Home > Farmers State Bank of Danforth > Performance and Condition Ratios
Farmers State Bank of Danforth, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 4,304 |
| Cost of funding earning assets | 0.3753% | 4,580 |
| Net interest margin | 3.6528% | 3,083 |
| Noninterest income to average assets | 0.9981% | 940 |
| Noninterest expense to average assets | 2.7815% | 2,619 |
| Loan and lease loss provision to assets | 0.0905% | 2,094 |
| Net operating income to assets | 1.1633% | 2,325 |
| Return on assets (ROA) | 1.1633% | 2,412 |
| Pretax return on assets | 1.4960% | 1,970 |
| Return on Equity (ROE) | 9.0936% | 2,848 |
| Retained earnings to average equity (ytd only) | 4.1576% | 3,329 |
| Net charge-offs to loans | 0.0284% | 2,528 |
| Credit loss provision to net charge-offs | 571.4286% | 564 |
| Earnings coverage of net charge-offs (x) | 100.1758% | 752 |
| Efficiency ratio | 63.6788% | 3,069 |
| Assets per employee ($millions) | 3.5077% | 4,492 |
| Cash dividends to net income (ytd only)* | 54.2798% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 4,354 |
| Loan loss allowance to noncurrent loans | 108.4000% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 2,832 |
| Noncurrent loans to loans | 0.7560% | 2,076 |
| Net loans and leases to total assets | 54.9999% | 4,104 |
| Net loans and leases to deposits | 63.8745% | 4,179 |
| Net loans and leases to core deposits | 64.5763% | 4,343 |
| Total domestic deposits to total assets | 86.1062% | 1,946 |
| Equity capital to assets | 13.0737% | 1,586 |
| Core capital (leverage) ratio | 13.3157% | 1,206 |
| Tier 1 risk-based capital ratio | 20.1151% | 1,345 |
| Total risk-based capital ratio | 20.8142% | 1,415 |
| Memoranda: | ||
| Average total assets | $58,911,500 | 4,675 |
| Average earning assets | $54,349,250 | 4,675 |
| Average equity | $7,536,250 | 4,615 |
| Average total loans | $32,808,250 | 4,647 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 4,357 |
| Cost of funding earning assets | 0.3728% | 4,609 |
| Net interest margin | 3.6355% | 3,143 |
| Noninterest income to average assets | 0.9272% | 1,017 |
| Noninterest expense to average assets | 2.8054% | 2,571 |
| Loan and lease loss provision to assets | 0.1364% | 1,358 |
| Net operating income to assets | 1.0533% | 2,709 |
| Return on assets (ROA) | 1.0533% | 2,778 |
| Pretax return on assets | 1.3431% | 2,406 |
| Return on Equity (ROE) | 8.2957% | 3,165 |
| Retained earnings to average equity (ytd only) | 4.5640% | 2,996 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4733% | 2,895 |
| Assets per employee ($millions) | 3.4008% | 4,603 |
| Cash dividends to net income (ytd only)* | 44.9838% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 4,257 |
| Loan loss allowance to noncurrent loans | 375.6757% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 4,112 |
| Noncurrent loans to loans | 0.2270% | 3,727 |
| Net loans and leases to total assets | 55.9113% | 4,081 |
| Net loans and leases to deposits | 65.0945% | 4,151 |
| Net loans and leases to core deposits | 65.4438% | 4,340 |
| Total domestic deposits to total assets | 85.8924% | 2,090 |
| Equity capital to assets | 13.3102% | 1,433 |
| Core capital (leverage) ratio | 13.1296% | 1,244 |
| Tier 1 risk-based capital ratio | 20.7237% | 1,213 |
| Total risk-based capital ratio | 21.4688% | 1,279 |
| Memoranda: | ||
| Average total assets | $58,671,670 | 4,716 |
| Average earning assets | $54,188,000 | 4,711 |
| Average equity | $7,449,670 | 4,659 |
| Average total loans | $32,721,670 | 4,686 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 4,498 |
| Cost of funding earning assets | 0.3595% | 4,649 |
| Net interest margin | 3.5732% | 3,353 |
| Noninterest income to average assets | 0.7513% | 1,428 |
| Noninterest expense to average assets | 2.7749% | 2,665 |
| Loan and lease loss provision to assets | 0.2707% | 512 |
| Net operating income to assets | 0.8122% | 3,572 |
| Return on assets (ROA) | 0.8122% | 3,611 |
| Pretax return on assets | 1.0017% | 3,435 |
| Return on Equity (ROE) | 6.5511% | 3,824 |
| Retained earnings to average equity (ytd only) | 5.4593% | 2,711 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5619% | 2,556 |
| Assets per employee ($millions) | 3.5091% | 4,552 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 4,320 |
| Loan loss allowance to noncurrent loans | 380.8219% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 4,189 |
| Noncurrent loans to loans | 0.2248% | 3,781 |
| Net loans and leases to total assets | 53.9796% | 4,210 |
| Net loans and leases to deposits | 62.2350% | 4,291 |
| Net loans and leases to core deposits | 62.5529% | 4,448 |
| Total domestic deposits to total assets | 86.7352% | 1,943 |
| Equity capital to assets | 12.4920% | 1,740 |
| Core capital (leverage) ratio | 12.9719% | 1,290 |
| Tier 1 risk-based capital ratio | 20.2153% | 1,303 |
| Total risk-based capital ratio | 20.9488% | 1,374 |
| Memoranda: | ||
| Average total assets | $59,101,000 | 4,758 |
| Average earning assets | $54,517,000 | 4,760 |
| Average equity | $7,327,000 | 4,708 |
| Average total loans | $32,781,500 | 4,734 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 4,313 |
| Cost of funding earning assets | 0.2867% | 4,632 |
| Net interest margin | 3.5956% | 3,396 |
| Noninterest income to average assets | 0.7216% | 1,766 |
| Noninterest expense to average assets | 2.8050% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0069% | 2,977 |
| Return on assets (ROA) | 1.0069% | 2,964 |
| Pretax return on assets | 1.2599% | 2,656 |
| Return on Equity (ROE) | 8.4066% | 3,265 |
| Retained earnings to average equity (ytd only) | 2.6935% | 4,058 |
| Net charge-offs to loans | 0.0031% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 742.0000% | 149 |
| Efficiency ratio | 69.0058% | 2,386 |
| Assets per employee ($millions) | 3.4445% | 4,619 |
| Cash dividends to net income (ytd only)* | 67.9595% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7163% | 4,769 |
| Loan loss allowance to noncurrent loans | 103.9474% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 3,002 |
| Noncurrent loans to loans | 0.6891% | 2,265 |
| Net loans and leases to total assets | 56.1026% | 4,124 |
| Net loans and leases to deposits | 64.3476% | 4,235 |
| Net loans and leases to core deposits | 64.6808% | 4,423 |
| Total domestic deposits to total assets | 87.1868% | 1,690 |
| Equity capital to assets | 12.3145% | 1,692 |
| Core capital (leverage) ratio | 12.6960% | 1,377 |
| Tier 1 risk-based capital ratio | 19.8787% | 1,325 |
| Total risk-based capital ratio | 20.5010% | 1,426 |
| Memoranda: | ||
| Average total assets | $58,895,400 | 4,783 |
| Average earning assets | $54,761,400 | 4,773 |
| Average equity | $7,054,000 | 4,739 |
| Average total loans | $32,367,600 | 4,756 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 4,376 |
| Cost of funding earning assets | 0.2665% | 4,698 |
| Net interest margin | 3.5619% | 3,488 |
| Noninterest income to average assets | 0.7279% | 1,757 |
| Noninterest expense to average assets | 2.8416% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9766% | 3,187 |
| Return on assets (ROA) | 0.9766% | 3,201 |
| Pretax return on assets | 1.2094% | 2,954 |
| Return on Equity (ROE) | 8.2111% | 3,461 |
| Retained earnings to average equity (ytd only) | 5.9302% | 2,690 |
| Net charge-offs to loans | 0.0041% | 3,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 536.3308% | 167 |
| Efficiency ratio | 70.1451% | 2,167 |
| Assets per employee ($millions) | 3.4426% | 4,632 |
| Cash dividends to net income (ytd only)* | 27.7783% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7449% | 4,768 |
| Loan loss allowance to noncurrent loans | 457.6923% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 4,523 |
| Noncurrent loans to loans | 0.1627% | 4,154 |
| Net loans and leases to total assets | 54.1888% | 4,353 |
| Net loans and leases to deposits | 62.0894% | 4,434 |
| Net loans and leases to core deposits | 63.0359% | 4,569 |
| Total domestic deposits to total assets | 87.2755% | 1,611 |
| Equity capital to assets | 12.3178% | 1,688 |
| Core capital (leverage) ratio | 13.0905% | 1,240 |
| Tier 1 risk-based capital ratio | 20.5366% | 1,240 |
| Total risk-based capital ratio | 21.1721% | 1,316 |
| Memoranda: | ||
| Average total assets | $58,980,000 | 4,835 |
| Average earning assets | $55,025,750 | 4,821 |
| Average equity | $7,014,750 | 4,793 |
| Average total loans | $32,187,250 | 4,817 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 4,402 |
| Cost of funding earning assets | 0.2497% | 4,747 |
| Net interest margin | 3.5251% | 3,551 |
| Noninterest income to average assets | 0.6494% | 2,093 |
| Noninterest expense to average assets | 2.8479% | 2,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8929% | 3,484 |
| Return on assets (ROA) | 0.8929% | 3,498 |
| Pretax return on assets | 1.0959% | 3,332 |
| Return on Equity (ROE) | 7.5971% | 3,680 |
| Retained earnings to average equity (ytd only) | 4.6043% | 3,286 |
| Net charge-offs to loans | 0.0062% | 2,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 324.0000% | 282 |
| Efficiency ratio | 72.2127% | 1,968 |
| Assets per employee ($millions) | 3.2436% | 4,886 |
| Cash dividends to net income (ytd only)* | 39.3939% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 4,869 |
| Loan loss allowance to noncurrent loans | 68.9855% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 2,456 |
| Noncurrent loans to loans | 1.0574% | 1,664 |
| Net loans and leases to total assets | 55.4749% | 4,206 |
| Net loans and leases to deposits | 63.7767% | 4,292 |
| Net loans and leases to core deposits | 64.7547% | 4,444 |
| Total domestic deposits to total assets | 86.9830% | 1,847 |
| Equity capital to assets | 11.4567% | 2,232 |
| Core capital (leverage) ratio | 12.6190% | 1,375 |
| Tier 1 risk-based capital ratio | 19.5697% | 1,412 |
| Total risk-based capital ratio | 20.1874% | 1,524 |
| Memoranda: | ||
| Average total assets | $59,131,670 | 4,885 |
| Average earning assets | $55,261,000 | 4,873 |
| Average equity | $6,950,000 | 4,851 |
| Average total loans | $32,265,670 | 4,866 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6670% | 4,553 |
| Cost of funding earning assets | 0.2310% | 4,827 |
| Net interest margin | 3.4360% | 3,754 |
| Noninterest income to average assets | 0.6117% | 2,206 |
| Noninterest expense to average assets | 2.8435% | 2,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7999% | 3,704 |
| Return on assets (ROA) | 0.7999% | 3,714 |
| Pretax return on assets | 0.9680% | 3,643 |
| Return on Equity (ROE) | 6.7227% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.4402% | 2,532 |
| Net charge-offs to loans | 0.0125% | 2,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 447 |
| Efficiency ratio | 74.6032% | 1,810 |
| Assets per employee ($millions) | 3.3144% | 4,891 |
| Cash dividends to net income (ytd only)* | 4.2017% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7458% | 4,929 |
| Loan loss allowance to noncurrent loans | 517.3913% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 4,703 |
| Noncurrent loans to loans | 0.1441% | 4,317 |
| Net loans and leases to total assets | 53.0942% | 4,360 |
| Net loans and leases to deposits | 60.7297% | 4,421 |
| Net loans and leases to core deposits | 61.6337% | 4,573 |
| Total domestic deposits to total assets | 87.4271% | 1,940 |
| Equity capital to assets | 11.6711% | 2,013 |
| Core capital (leverage) ratio | 12.5295% | 1,377 |
| Tier 1 risk-based capital ratio | 19.5671% | 1,424 |
| Total risk-based capital ratio | 20.1885% | 1,530 |
| Memoranda: | ||
| Average total assets | $59,505,000 | 4,938 |
| Average earning assets | $55,413,000 | 4,927 |
| Average equity | $7,080,500 | 4,885 |
| Average total loans | $32,085,000 | 4,917 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5873% | 4,600 |
| Cost of funding earning assets | 0.1946% | 4,990 |
| Net interest margin | 3.3927% | 3,873 |
| Noninterest income to average assets | 0.7731% | 1,680 |
| Noninterest expense to average assets | 2.7044% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9109% | 2,654 |
| Return on assets (ROA) | 0.9144% | 2,661 |
| Pretax return on assets | 1.2458% | 2,572 |
| Return on Equity (ROE) | 7.8469% | 2,864 |
| Retained earnings to average equity (ytd only) | 3.3450% | 3,295 |
| Net charge-offs to loans | 0.0516% | 2,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 47.7500% | 1,123 |
| Efficiency ratio | 68.5467% | 2,784 |
| Assets per employee ($millions) | 3.4912% | 4,710 |
| Cash dividends to net income (ytd only)* | 57.3712% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7409% | 4,977 |
| Loan loss allowance to noncurrent loans | 531.1111% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 4,740 |
| Noncurrent loans to loans | 0.1395% | 4,367 |
| Net loans and leases to total assets | 53.9461% | 4,375 |
| Net loans and leases to deposits | 62.6801% | 4,393 |
| Net loans and leases to core deposits | 63.6331% | 4,555 |
| Total domestic deposits to total assets | 86.0657% | 2,402 |
| Equity capital to assets | 12.1281% | 1,742 |
| Core capital (leverage) ratio | 11.9710% | 1,615 |
| Tier 1 risk-based capital ratio | 19.2086% | 1,469 |
| Total risk-based capital ratio | 19.8328% | 1,573 |
| Memoranda: | ||
| Average total assets | $61,567,200 | 4,935 |
| Average earning assets | $57,564,800 | 4,918 |
| Average equity | $7,174,800 | 4,912 |
| Average total loans | $30,991,200 | 5,003 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5196% | 4,769 |
| Cost of funding earning assets | 0.1927% | 5,034 |
| Net interest margin | 3.3269% | 4,087 |
| Noninterest income to average assets | 0.7533% | 1,768 |
| Noninterest expense to average assets | 2.5927% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9375% | 2,844 |
| Return on assets (ROA) | 0.9422% | 2,881 |
| Pretax return on assets | 1.2792% | 2,587 |
| Return on Equity (ROE) | 8.1646% | 3,037 |
| Retained earnings to average equity (ytd only) | 5.9515% | 2,270 |
| Net charge-offs to loans | 0.0695% | 2,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 37.0675% | 1,379 |
| Efficiency ratio | 67.0738% | 3,036 |
| Assets per employee ($millions) | 3.4451% | 4,806 |
| Cash dividends to net income (ytd only)* | 27.1065% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7594% | 5,000 |
| Loan loss allowance to noncurrent loans | 597.5000% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 4,746 |
| Noncurrent loans to loans | 0.1271% | 4,552 |
| Net loans and leases to total assets | 50.3669% | 4,673 |
| Net loans and leases to deposits | 57.9580% | 4,762 |
| Net loans and leases to core deposits | 58.7904% | 4,879 |
| Total domestic deposits to total assets | 86.9023% | 1,902 |
| Equity capital to assets | 11.9801% | 1,979 |
| Core capital (leverage) ratio | 11.9946% | 1,691 |
| Tier 1 risk-based capital ratio | 19.6756% | 1,444 |
| Total risk-based capital ratio | 20.3059% | 1,533 |
| Memoranda: | ||
| Average total assets | $62,121,500 | 4,979 |
| Average earning assets | $58,110,500 | 4,959 |
| Average equity | $7,169,000 | 4,969 |
| Average total loans | $30,675,000 | 5,058 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4870% | 4,799 |
| Cost of funding earning assets | 0.1924% | 5,051 |
| Net interest margin | 3.2946% | 4,126 |
| Noninterest income to average assets | 0.6403% | 2,252 |
| Noninterest expense to average assets | 2.5869% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8423% | 3,195 |
| Return on assets (ROA) | 0.8494% | 3,204 |
| Pretax return on assets | 1.1487% | 2,984 |
| Return on Equity (ROE) | 7.4552% | 3,308 |
| Retained earnings to average equity (ytd only) | 4.3771% | 3,099 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4301% | 2,779 |
| Assets per employee ($millions) | 3.6536% | 4,506 |
| Cash dividends to net income (ytd only)* | 41.2879% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 4,864 |
| Loan loss allowance to noncurrent loans | 747.0588% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 4,997 |
| Noncurrent loans to loans | 0.1116% | 4,674 |
| Net loans and leases to total assets | 48.6605% | 4,785 |
| Net loans and leases to deposits | 55.7710% | 4,857 |
| Net loans and leases to core deposits | 56.5675% | 4,973 |
| Total domestic deposits to total assets | 87.2505% | 1,832 |
| Equity capital to assets | 11.7320% | 2,129 |
| Core capital (leverage) ratio | 11.6710% | 1,852 |
| Tier 1 risk-based capital ratio | 19.5556% | 1,464 |
| Total risk-based capital ratio | 20.2364% | 1,542 |
| Memoranda: | ||
| Average total assets | $62,158,330 | 5,013 |
| Average earning assets | $58,215,670 | 4,994 |
| Average equity | $7,082,330 | 5,008 |
| Average total loans | $30,409,330 | 5,099 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3903% | 4,944 |
| Cost of funding earning assets | 0.1842% | 5,119 |
| Net interest margin | 3.2061% | 4,322 |
| Noninterest income to average assets | 0.5790% | 2,513 |
| Noninterest expense to average assets | 2.6053% | 3,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7699% | 3,368 |
| Return on assets (ROA) | 0.7848% | 3,342 |
| Pretax return on assets | 1.0164% | 3,297 |
| Return on Equity (ROE) | 6.9914% | 3,402 |
| Retained earnings to average equity (ytd only) | 6.4183% | 2,128 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3214% | 2,518 |
| Assets per employee ($millions) | 3.6873% | 4,519 |
| Cash dividends to net income (ytd only)* | 8.1967% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 4,952 |
| Loan loss allowance to noncurrent loans | 747.0588% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 5,079 |
| Noncurrent loans to loans | 0.1127% | 4,746 |
| Net loans and leases to total assets | 47.7267% | 4,848 |
| Net loans and leases to deposits | 54.0877% | 4,928 |
| Net loans and leases to core deposits | 54.8433% | 5,030 |
| Total domestic deposits to total assets | 88.2394% | 1,565 |
| Equity capital to assets | 11.2868% | 2,360 |
| Core capital (leverage) ratio | 11.7762% | 1,770 |
| Tier 1 risk-based capital ratio | 19.2483% | 1,549 |
| Total risk-based capital ratio | 19.9225% | 1,648 |
| Memoranda: | ||
| Average total assets | $62,181,500 | 5,070 |
| Average earning assets | $58,638,000 | 5,033 |
| Average equity | $6,980,000 | 5,069 |
| Average total loans | $30,375,000 | 5,145 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3701% | 5,038 |
| Cost of funding earning assets | 0.1973% | 5,039 |
| Net interest margin | 3.1728% | 4,529 |
| Noninterest income to average assets | 0.7251% | 2,053 |
| Noninterest expense to average assets | 2.5403% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8895% | 2,880 |
| Return on assets (ROA) | 0.9012% | 2,934 |
| Pretax return on assets | 1.2389% | 2,519 |
| Return on Equity (ROE) | 7.9020% | 2,995 |
| Retained earnings to average equity (ytd only) | 3.4668% | 3,461 |
| Net charge-offs to loans | 0.0105% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 254.6667% | 281 |
| Efficiency ratio | 67.5032% | 3,345 |
| Assets per employee ($millions) | 3.6282% | 4,568 |
| Cash dividends to net income (ytd only)* | 56.1279% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 5,005 |
| Loan loss allowance to noncurrent loans | 750.0000% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 5,120 |
| Noncurrent loans to loans | 0.1112% | 4,784 |
| Net loans and leases to total assets | 49.1642% | 4,823 |
| Net loans and leases to deposits | 55.8186% | 4,920 |
| Net loans and leases to core deposits | 56.6127% | 5,026 |
| Total domestic deposits to total assets | 88.0786% | 1,594 |
| Equity capital to assets | 11.1626% | 2,467 |
| Core capital (leverage) ratio | 11.2561% | 2,120 |
| Tier 1 risk-based capital ratio | 19.3707% | 1,510 |
| Total risk-based capital ratio | 20.0597% | 1,616 |
| Memoranda: | ||
| Average total assets | $62,473,400 | 5,082 |
| Average earning assets | $59,821,000 | 5,024 |
| Average equity | $7,124,800 | 5,070 |
| Average total loans | $28,492,600 | 5,248 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3510% | 5,120 |
| Cost of funding earning assets | 0.1929% | 5,139 |
| Net interest margin | 3.1581% | 4,612 |
| Noninterest income to average assets | 0.6595% | 2,366 |
| Noninterest expense to average assets | 2.4784% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8807% | 3,008 |
| Return on assets (ROA) | 0.8978% | 3,057 |
| Pretax return on assets | 1.2339% | 2,688 |
| Return on Equity (ROE) | 7.8312% | 3,096 |
| Retained earnings to average equity (ytd only) | 5.7157% | 2,346 |
| Net charge-offs to loans | 0.0143% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 189.6625% | 388 |
| Efficiency ratio | 67.1857% | 3,388 |
| Assets per employee ($millions) | 3.8683% | 4,182 |
| Cash dividends to net income (ytd only)* | 27.0150% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 4,857 |
| Loan loss allowance to noncurrent loans | 529.1667% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 5,125 |
| Noncurrent loans to loans | 0.1707% | 4,673 |
| Net loans and leases to total assets | 45.0349% | 5,140 |
| Net loans and leases to deposits | 53.4365% | 5,142 |
| Net loans and leases to core deposits | 54.2276% | 5,216 |
| Total domestic deposits to total assets | 84.2775% | 3,107 |
| Equity capital to assets | 11.9450% | 2,157 |
| Core capital (leverage) ratio | 11.4646% | 2,059 |
| Tier 1 risk-based capital ratio | 20.6905% | 1,322 |
| Total risk-based capital ratio | 21.4202% | 1,378 |
| Memoranda: | ||
| Average total assets | $62,672,000 | 5,125 |
| Average earning assets | $60,119,750 | 5,059 |
| Average equity | $7,184,750 | 5,109 |
| Average total loans | $27,971,000 | 5,321 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3603% | 5,163 |
| Cost of funding earning assets | 0.1926% | 5,213 |
| Net interest margin | 3.1678% | 4,646 |
| Noninterest income to average assets | 0.5752% | 2,757 |
| Noninterest expense to average assets | 2.3803% | 4,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8971% | 2,876 |
| Return on assets (ROA) | 0.8994% | 2,999 |
| Pretax return on assets | 1.2299% | 2,667 |
| Return on Equity (ROE) | 7.9547% | 2,998 |
| Retained earnings to average equity (ytd only) | 4.7503% | 2,898 |
| Net charge-offs to loans | 0.0143% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 337 |
| Efficiency ratio | 65.9912% | 3,682 |
| Assets per employee ($millions) | 3.8809% | 4,120 |
| Cash dividends to net income (ytd only)* | 40.2827% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 4,907 |
| Loan loss allowance to noncurrent loans | 508.0000% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 5,202 |
| Noncurrent loans to loans | 0.1799% | 4,713 |
| Net loans and leases to total assets | 44.3489% | 5,210 |
| Net loans and leases to deposits | 50.5563% | 5,311 |
| Net loans and leases to core deposits | 51.2726% | 5,392 |
| Total domestic deposits to total assets | 87.7218% | 1,560 |
| Equity capital to assets | 11.7306% | 2,325 |
| Core capital (leverage) ratio | 11.1092% | 2,319 |
| Tier 1 risk-based capital ratio | 20.3944% | 1,363 |
| Total risk-based capital ratio | 21.1279% | 1,446 |
| Memoranda: | ||
| Average total assets | $62,932,000 | 5,175 |
| Average earning assets | $60,232,000 | 5,105 |
| Average equity | $7,115,330 | 5,170 |
| Average total loans | $27,919,000 | 5,378 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4077% | 5,113 |
| Cost of funding earning assets | 0.1915% | 5,270 |
| Net interest margin | 3.2162% | 4,529 |
| Noninterest income to average assets | 0.4925% | 3,174 |
| Noninterest expense to average assets | 2.3425% | 4,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8335% | 3,070 |
| Return on assets (ROA) | 0.8335% | 3,202 |
| Pretax return on assets | 1.2249% | 2,603 |
| Return on Equity (ROE) | 7.5096% | 3,181 |
| Retained earnings to average equity (ytd only) | 6.6562% | 2,056 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6637% | 3,855 |
| Assets per employee ($millions) | 3.9159% | 4,096 |
| Cash dividends to net income (ytd only)* | 11.3636% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9283% | 4,958 |
| Loan loss allowance to noncurrent loans | 12,850.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 5,673 |
| Noncurrent loans to loans | 0.0072% | 5,497 |
| Net loans and leases to total assets | 43.7753% | 5,255 |
| Net loans and leases to deposits | 49.8709% | 5,346 |
| Net loans and leases to core deposits | 50.5697% | 5,423 |
| Total domestic deposits to total assets | 87.7773% | 1,764 |
| Equity capital to assets | 11.3927% | 2,543 |
| Core capital (leverage) ratio | 10.9349% | 2,463 |
| Tier 1 risk-based capital ratio | 20.1148% | 1,477 |
| Total risk-based capital ratio | 20.8521% | 1,555 |
| Memoranda: | ||
| Average total assets | $63,351,000 | 5,214 |
| Average earning assets | $60,568,500 | 5,142 |
| Average equity | $7,031,000 | 5,227 |
| Average total loans | $27,982,500 | 5,416 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3848% | 5,193 |
| Cost of funding earning assets | 0.2051% | 5,240 |
| Net interest margin | 3.1797% | 4,686 |
| Noninterest income to average assets | 0.4558% | 3,622 |
| Noninterest expense to average assets | 2.3083% | 4,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8865% | 2,947 |
| Return on assets (ROA) | 0.8978% | 2,964 |
| Pretax return on assets | 1.2079% | 2,631 |
| Return on Equity (ROE) | 8.5964% | 2,672 |
| Retained earnings to average equity (ytd only) | 5.2019% | 2,278 |
| Net charge-offs to loans | 0.0037% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 777.0000% | 80 |
| Efficiency ratio | 65.9360% | 3,915 |
| Assets per employee ($millions) | 4.2699% | 3,450 |
| Cash dividends to net income (ytd only)* | 39.4872% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 5,054 |
| Loan loss allowance to noncurrent loans | 12,850.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 5,715 |
| Noncurrent loans to loans | 0.0071% | 5,516 |
| Net loans and leases to total assets | 43.7547% | 5,294 |
| Net loans and leases to deposits | 49.7903% | 5,403 |
| Net loans and leases to core deposits | 50.4719% | 5,478 |
| Total domestic deposits to total assets | 87.8778% | 1,696 |
| Equity capital to assets | 10.8106% | 3,017 |
| Core capital (leverage) ratio | 10.5931% | 2,830 |
| Tier 1 risk-based capital ratio | 20.1186% | 1,462 |
| Total risk-based capital ratio | 20.8694% | 1,529 |
| Memoranda: | ||
| Average total assets | $65,155,800 | 5,196 |
| Average earning assets | $62,396,000 | 5,119 |
| Average equity | $6,805,200 | 5,278 |
| Average total loans | $27,392,000 | 5,462 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3826% | 5,237 |
| Cost of funding earning assets | 0.2041% | 5,344 |
| Net interest margin | 3.1785% | 4,745 |
| Noninterest income to average assets | 0.4462% | 3,749 |
| Noninterest expense to average assets | 2.2068% | 5,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9569% | 2,687 |
| Return on assets (ROA) | 0.9720% | 2,694 |
| Pretax return on assets | 1.3061% | 2,373 |
| Return on Equity (ROE) | 9.3865% | 2,361 |
| Retained earnings to average equity (ytd only) | 7.4384% | 1,481 |
| Net charge-offs to loans | 0.0049% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 632.5639% | 118 |
| Efficiency ratio | 63.1855% | 4,380 |
| Assets per employee ($millions) | 4.2612% | 3,400 |
| Cash dividends to net income (ytd only)* | 20.7554% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 5,267 |
| Loan loss allowance to noncurrent loans | 1,028.0000% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 5,627 |
| Noncurrent loans to loans | 0.0859% | 5,288 |
| Net loans and leases to total assets | 45.1094% | 5,284 |
| Net loans and leases to deposits | 51.4829% | 5,393 |
| Net loans and leases to core deposits | 52.1911% | 5,493 |
| Total domestic deposits to total assets | 87.6201% | 1,738 |
| Equity capital to assets | 10.8717% | 3,168 |
| Core capital (leverage) ratio | 10.6663% | 2,860 |
| Tier 1 risk-based capital ratio | 19.9504% | 1,566 |
| Total risk-based capital ratio | 20.6921% | 1,647 |
| Memoranda: | ||
| Average total assets | $65,432,750 | 5,256 |
| Average earning assets | $62,711,500 | 5,179 |
| Average equity | $6,775,500 | 5,351 |
| Average total loans | $27,169,750 | 5,537 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3332% | 5,379 |
| Cost of funding earning assets | 0.2024% | 5,415 |
| Net interest margin | 3.1308% | 4,882 |
| Noninterest income to average assets | 0.4610% | 3,621 |
| Noninterest expense to average assets | 2.1930% | 5,135 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9736% | 2,522 |
| Return on assets (ROA) | 0.9736% | 2,631 |
| Pretax return on assets | 1.2709% | 2,467 |
| Return on Equity (ROE) | 9.5569% | 2,275 |
| Retained earnings to average equity (ytd only) | 6.6094% | 1,894 |
| Net charge-offs to loans | 0.0075% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 419.0000% | 155 |
| Efficiency ratio | 63.3100% | 4,466 |
| Assets per employee ($millions) | 4.4373% | 3,084 |
| Cash dividends to net income (ytd only)* | 30.8411% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9477% | 5,102 |
| Loan loss allowance to noncurrent loans | 1,028.0000% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 5,566 |
| Noncurrent loans to loans | 0.0922% | 5,374 |
| Net loans and leases to total assets | 40.3567% | 5,607 |
| Net loans and leases to deposits | 45.8919% | 5,683 |
| Net loans and leases to core deposits | 46.4956% | 5,744 |
| Total domestic deposits to total assets | 87.9385% | 1,679 |
| Equity capital to assets | 10.1444% | 3,877 |
| Core capital (leverage) ratio | 10.2483% | 3,286 |
| Tier 1 risk-based capital ratio | 19.9746% | 1,547 |
| Total risk-based capital ratio | 20.7344% | 1,642 |
| Memoranda: | ||
| Average total assets | $65,937,670 | 5,307 |
| Average earning assets | $63,242,330 | 5,217 |
| Average equity | $6,717,670 | 5,408 |
| Average total loans | $26,529,670 | 5,607 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3634% | 5,298 |
| Cost of funding earning assets | 0.2035% | 5,483 |
| Net interest margin | 3.1600% | 4,751 |
| Noninterest income to average assets | 0.4510% | 3,631 |
| Noninterest expense to average assets | 2.2430% | 5,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9264% | 2,625 |
| Return on assets (ROA) | 0.9264% | 2,747 |
| Pretax return on assets | 1.2373% | 2,521 |
| Return on Equity (ROE) | 9.0739% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.0739% | 1,170 |
| Net charge-offs to loans | 0.0152% | 2,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 280 |
| Efficiency ratio | 64.4483% | 4,409 |
| Assets per employee ($millions) | 4.1524% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 5,057 |
| Loan loss allowance to noncurrent loans | 5,140.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 5,736 |
| Noncurrent loans to loans | 0.0194% | 5,727 |
| Net loans and leases to total assets | 38.4955% | 5,697 |
| Net loans and leases to deposits | 43.6831% | 5,772 |
| Net loans and leases to core deposits | 44.2568% | 5,835 |
| Total domestic deposits to total assets | 88.1244% | 1,744 |
| Equity capital to assets | 10.2696% | 3,803 |
| Core capital (leverage) ratio | 10.1879% | 3,359 |
| Tier 1 risk-based capital ratio | 20.5250% | 1,523 |
| Total risk-based capital ratio | 21.3141% | 1,568 |
| Memoranda: | ||
| Average total assets | $65,627,000 | 5,361 |
| Average earning assets | $62,912,000 | 5,281 |
| Average equity | $6,700,500 | 5,463 |
| Average total loans | $26,235,500 | 5,667 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4029% | 5,526 |
| Cost of funding earning assets | 0.2217% | 5,582 |
| Net interest margin | 3.1812% | 4,981 |
| Noninterest income to average assets | 0.4877% | 3,603 |
| Noninterest expense to average assets | 2.3079% | 5,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9298% | 2,729 |
| Return on assets (ROA) | 0.9309% | 2,808 |
| Pretax return on assets | 1.2229% | 2,557 |
| Return on Equity (ROE) | 10.2350% | 2,015 |
| Retained earnings to average equity (ytd only) | 7.0081% | 1,409 |
| Net charge-offs to loans | 0.5559% | 732 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.6828% | 3,375 |
| Efficiency ratio | 65.3927% | 4,343 |
| Assets per employee ($millions) | 3.6008% | 4,716 |
| Cash dividends to net income (ytd only)* | 31.5287% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 5,205 |
| Loan loss allowance to noncurrent loans | 758.8235% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 5,634 |
| Noncurrent loans to loans | 0.1276% | 5,388 |
| Net loans and leases to total assets | 40.7005% | 5,700 |
| Net loans and leases to deposits | 46.7946% | 5,758 |
| Net loans and leases to core deposits | 47.4332% | 5,839 |
| Total domestic deposits to total assets | 86.9768% | 2,303 |
| Equity capital to assets | 10.1489% | 3,925 |
| Core capital (leverage) ratio | 9.9093% | 3,696 |
| Tier 1 risk-based capital ratio | 19.6472% | 1,670 |
| Total risk-based capital ratio | 20.4252% | 1,763 |
| Memoranda: | ||
| Average total assets | $67,462,800 | 5,359 |
| Average earning assets | $64,504,400 | 5,266 |
| Average equity | $6,135,800 | 5,587 |
| Average total loans | $26,082,200 | 5,733 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3922% | 5,606 |
| Cost of funding earning assets | 0.2234% | 5,637 |
| Net interest margin | 3.1688% | 5,061 |
| Noninterest income to average assets | 0.4208% | 4,090 |
| Noninterest expense to average assets | 2.2331% | 5,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9282% | 2,787 |
| Return on assets (ROA) | 0.9296% | 2,872 |
| Pretax return on assets | 1.2154% | 2,716 |
| Return on Equity (ROE) | 10.5111% | 1,993 |
| Retained earnings to average equity (ytd only) | 9.0506% | 984 |
| Net charge-offs to loans | 0.5705% | 654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.5855% | 3,233 |
| Efficiency ratio | 64.7927% | 4,413 |
| Assets per employee ($millions) | 3.9388% | 4,015 |
| Cash dividends to net income (ytd only)* | 13.8950% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 4,720 |
| Loan loss allowance to noncurrent loans | 14,600.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 5,792 |
| Noncurrent loans to loans | 0.0076% | 6,013 |
| Net loans and leases to total assets | 39.0239% | 5,880 |
| Net loans and leases to deposits | 44.1825% | 5,961 |
| Net loans and leases to core deposits | 44.7562% | 6,006 |
| Total domestic deposits to total assets | 88.3242% | 1,592 |
| Equity capital to assets | 9.6163% | 4,650 |
| Core capital (leverage) ratio | 9.4586% | 4,431 |
| Tier 1 risk-based capital ratio | 18.1450% | 2,166 |
| Total risk-based capital ratio | 18.9607% | 2,273 |
| Memoranda: | ||
| Average total assets | $68,124,750 | 5,400 |
| Average earning assets | $65,049,750 | 5,305 |
| Average equity | $6,025,250 | 5,675 |
| Average total loans | $25,943,250 | 5,796 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3902% | 5,640 |
| Cost of funding earning assets | 0.2268% | 5,689 |
| Net interest margin | 3.1634% | 5,058 |
| Noninterest income to average assets | 0.3853% | 4,363 |
| Noninterest expense to average assets | 2.2448% | 5,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8910% | 2,855 |
| Return on assets (ROA) | 0.8933% | 2,943 |
| Pretax return on assets | 1.1560% | 2,852 |
| Return on Equity (ROE) | 10.3952% | 1,979 |
| Retained earnings to average equity (ytd only) | 8.1531% | 1,271 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0653% | 4,359 |
| Assets per employee ($millions) | 3.7976% | 4,261 |
| Cash dividends to net income (ytd only)* | 21.5686% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 2,742 |
| Loan loss allowance to noncurrent loans | 184.8624% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 4,551 |
| Noncurrent loans to loans | 0.8302% | 3,624 |
| Net loans and leases to total assets | 37.8249% | 5,972 |
| Net loans and leases to deposits | 42.3445% | 6,057 |
| Net loans and leases to core deposits | 42.8768% | 6,119 |
| Total domestic deposits to total assets | 89.3266% | 1,194 |
| Equity capital to assets | 9.1490% | 5,158 |
| Core capital (leverage) ratio | 9.2778% | 4,627 |
| Tier 1 risk-based capital ratio | 19.1668% | 1,885 |
| Total risk-based capital ratio | 20.3878% | 1,851 |
| Memoranda: | ||
| Average total assets | $68,513,330 | 5,438 |
| Average earning assets | $65,246,330 | 5,341 |
| Average equity | $5,887,330 | 5,741 |
| Average total loans | $25,783,670 | 5,847 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4000% | 5,646 |
| Cost of funding earning assets | 0.2328% | 5,733 |
| Net interest margin | 3.1672% | 5,021 |
| Noninterest income to average assets | 0.3441% | 4,623 |
| Noninterest expense to average assets | 2.1810% | 5,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8240% | 3,037 |
| Return on assets (ROA) | 0.8281% | 3,083 |
| Pretax return on assets | 1.1838% | 2,554 |
| Return on Equity (ROE) | 9.9579% | 2,056 |
| Retained earnings to average equity (ytd only) | 9.9579% | 975 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9306% | 4,704 |
| Assets per employee ($millions) | 3.8499% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 2,537 |
| Loan loss allowance to noncurrent loans | 225.1397% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 4,865 |
| Noncurrent loans to loans | 0.7299% | 4,034 |
| Net loans and leases to total assets | 34.8062% | 6,131 |
| Net loans and leases to deposits | 39.0418% | 6,200 |
| Net loans and leases to core deposits | 39.2049% | 6,268 |
| Total domestic deposits to total assets | 89.1512% | 1,556 |
| Equity capital to assets | 8.4764% | 5,677 |
| Core capital (leverage) ratio | 9.0763% | 4,898 |
| Tier 1 risk-based capital ratio | 18.0501% | 2,276 |
| Total risk-based capital ratio | 19.2181% | 2,291 |
| Memoranda: | ||
| Average total assets | $68,591,500 | 5,487 |
| Average earning assets | $65,295,000 | 5,397 |
| Average equity | $5,704,000 | 5,820 |
| Average total loans | $25,546,000 | 5,911 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 5,269 |
| Cost of funding earning assets | 0.3161% | 5,458 |
| Net interest margin | 3.3383% | 4,524 |
| Noninterest income to average assets | 0.1502% | 6,188 |
| Noninterest expense to average assets | 2.3634% | 5,192 |
| Loan and lease loss provision to assets | 0.0088% | 4,948 |
| Net operating income to assets | 0.7697% | 3,445 |
| Return on assets (ROA) | 0.8217% | 3,274 |
| Pretax return on assets | 0.9984% | 3,355 |
| Return on Equity (ROE) | 9.5633% | 2,302 |
| Retained earnings to average equity (ytd only) | 6.1699% | 1,873 |
| Net charge-offs to loans | 0.0396% | 4,670 |
| Credit loss provision to net charge-offs | 60.0000% | 3,562 |
| Earnings coverage of net charge-offs (x) | 64.1000% | 654 |
| Efficiency ratio | 71.4604% | 3,575 |
| Assets per employee ($millions) | 3.7714% | 4,327 |
| Cash dividends to net income (ytd only)* | 35.4839% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 3,112 |
| Loan loss allowance to noncurrent loans | 188.3178% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 4,788 |
| Noncurrent loans to loans | 0.8054% | 3,963 |
| Net loans and leases to total assets | 38.5446% | 6,051 |
| Net loans and leases to deposits | 42.9803% | 6,177 |
| Net loans and leases to core deposits | 43.1625% | 6,263 |
| Total domestic deposits to total assets | 89.6796% | 1,232 |
| Equity capital to assets | 8.1520% | 5,901 |
| Core capital (leverage) ratio | 8.8956% | 5,147 |
| Tier 1 risk-based capital ratio | 17.8271% | 2,297 |
| Total risk-based capital ratio | 19.0076% | 2,292 |
| Memoranda: | ||
| Average total assets | $67,911,200 | 5,542 |
| Average earning assets | $64,224,400 | 5,457 |
| Average equity | $5,834,800 | 5,856 |
| Average total loans | $25,227,600 | 5,973 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6302% | 5,357 |
| Cost of funding earning assets | 0.3327% | 5,446 |
| Net interest margin | 3.2975% | 4,647 |
| Noninterest income to average assets | 0.1394% | 6,334 |
| Noninterest expense to average assets | 2.1967% | 5,612 |
| Loan and lease loss provision to assets | 0.0118% | 4,763 |
| Net operating income to assets | 0.8490% | 3,103 |
| Return on assets (ROA) | 0.9030% | 2,931 |
| Pretax return on assets | 1.1111% | 3,065 |
| Return on Equity (ROE) | 10.3777% | 2,046 |
| Retained earnings to average equity (ytd only) | 8.8887% | 1,092 |
| Net charge-offs to loans | 0.0214% | 4,699 |
| Credit loss provision to net charge-offs | 150.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 134.5816% | 403 |
| Efficiency ratio | 67.5317% | 4,183 |
| Assets per employee ($millions) | 3.7751% | 4,291 |
| Cash dividends to net income (ytd only)* | 14.3481% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 3,425 |
| Loan loss allowance to noncurrent loans | 132.3625% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 4,745 |
| Noncurrent loans to loans | 1.1383% | 3,527 |
| Net loans and leases to total assets | 39.3460% | 6,084 |
| Net loans and leases to deposits | 42.9639% | 6,265 |
| Net loans and leases to core deposits | 43.1414% | 6,341 |
| Total domestic deposits to total assets | 91.5792% | 346 |
| Equity capital to assets | 8.2839% | 5,929 |
| Core capital (leverage) ratio | 8.9512% | 5,203 |
| Tier 1 risk-based capital ratio | 18.1049% | 2,283 |
| Total risk-based capital ratio | 19.3149% | 2,263 |
| Memoranda: | ||
| Average total assets | $67,917,750 | 5,597 |
| Average earning assets | $64,127,250 | 5,520 |
| Average equity | $5,910,000 | 5,913 |
| Average total loans | $24,892,250 | 6,045 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6101% | 5,405 |
| Cost of funding earning assets | 0.3532% | 5,372 |
| Net interest margin | 3.2569% | 4,746 |
| Noninterest income to average assets | 0.1855% | 6,099 |
| Noninterest expense to average assets | 2.2148% | 5,595 |
| Loan and lease loss provision to assets | 0.0177% | 4,546 |
| Net operating income to assets | 0.8489% | 3,048 |
| Return on assets (ROA) | 0.8953% | 2,967 |
| Pretax return on assets | 1.0780% | 3,183 |
| Return on Equity (ROE) | 10.1271% | 2,152 |
| Retained earnings to average equity (ytd only) | 7.9285% | 1,517 |
| Net charge-offs to loans | 0.0414% | 4,097 |
| Credit loss provision to net charge-offs | 120.0000% | 1,854 |
| Earnings coverage of net charge-offs (x) | 70.6000% | 635 |
| Efficiency ratio | 68.0543% | 4,177 |
| Assets per employee ($millions) | 3.7493% | 4,304 |
| Cash dividends to net income (ytd only)* | 21.7105% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 2,869 |
| Loan loss allowance to noncurrent loans | 116.2393% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 4,550 |
| Noncurrent loans to loans | 1.4427% | 3,140 |
| Net loans and leases to total assets | 35.4468% | 6,335 |
| Net loans and leases to deposits | 38.7627% | 6,457 |
| Net loans and leases to core deposits | 39.1368% | 6,502 |
| Total domestic deposits to total assets | 91.4458% | 398 |
| Equity capital to assets | 8.5113% | 5,752 |
| Core capital (leverage) ratio | 8.6650% | 5,467 |
| Tier 1 risk-based capital ratio | 18.8036% | 2,045 |
| Total risk-based capital ratio | 20.0555% | 2,010 |
| Memoranda: | ||
| Average total assets | $67,906,670 | 5,640 |
| Average earning assets | $63,987,670 | 5,558 |
| Average equity | $6,003,670 | 5,936 |
| Average total loans | $24,141,330 | 6,114 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4690% | 5,784 |
| Cost of funding earning assets | 0.3792% | 5,294 |
| Net interest margin | 3.0898% | 5,301 |
| Noninterest income to average assets | 0.1703% | 6,239 |
| Noninterest expense to average assets | 2.1140% | 5,886 |
| Loan and lease loss provision to assets | 0.0352% | 4,004 |
| Net operating income to assets | 0.8515% | 2,897 |
| Return on assets (ROA) | 0.8515% | 3,033 |
| Pretax return on assets | 0.9396% | 3,615 |
| Return on Equity (ROE) | 9.4563% | 2,291 |
| Retained earnings to average equity (ytd only) | 9.4563% | 1,255 |
| Net charge-offs to loans | 0.0665% | 3,165 |
| Credit loss provision to net charge-offs | 150.0000% | 1,364 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 765 |
| Efficiency ratio | 68.4411% | 4,231 |
| Assets per employee ($millions) | 3.8573% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8808% | 2,365 |
| Loan loss allowance to noncurrent loans | 335.2459% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 5,619 |
| Noncurrent loans to loans | 0.5610% | 5,037 |
| Net loans and leases to total assets | 30.7312% | 6,574 |
| Net loans and leases to deposits | 33.9054% | 6,642 |
| Net loans and leases to core deposits | 34.5058% | 6,660 |
| Total domestic deposits to total assets | 90.6382% | 698 |
| Equity capital to assets | 8.8635% | 5,648 |
| Core capital (leverage) ratio | 8.2547% | 5,871 |
| Tier 1 risk-based capital ratio | 18.0073% | 2,357 |
| Total risk-based capital ratio | 19.2616% | 2,324 |
| Memoranda: | ||
| Average total assets | $68,116,500 | 5,684 |
| Average earning assets | $64,340,500 | 5,605 |
| Average equity | $6,133,500 | 5,950 |
| Average total loans | $24,047,000 | 6,170 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 4,552 |
| Cost of funding earning assets | 0.5723% | 4,617 |
| Net interest margin | 3.6368% | 3,933 |
| Noninterest income to average assets | 0.1764% | 6,138 |
| Noninterest expense to average assets | 2.4037% | 5,396 |
| Loan and lease loss provision to assets | 0.1135% | 4,221 |
| Net operating income to assets | 0.8238% | 3,164 |
| Return on assets (ROA) | 0.9219% | 2,938 |
| Pretax return on assets | 1.1658% | 2,921 |
| Return on Equity (ROE) | 10.0341% | 2,155 |
| Retained earnings to average equity (ytd only) | 6.2942% | 1,923 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5431% | 4,228 |
| Assets per employee ($millions) | 3.7112% | 4,538 |
| Cash dividends to net income (ytd only)* | 37.2712% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 3,546 |
| Loan loss allowance to noncurrent loans | 333.6066% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 5,668 |
| Noncurrent loans to loans | 0.4630% | 5,359 |
| Net loans and leases to total assets | 38.8327% | 6,241 |
| Net loans and leases to deposits | 43.1164% | 6,419 |
| Net loans and leases to core deposits | 44.9226% | 6,422 |
| Total domestic deposits to total assets | 90.0647% | 916 |
| Equity capital to assets | 9.1509% | 5,336 |
| Core capital (leverage) ratio | 8.7932% | 5,189 |
| Tier 1 risk-based capital ratio | 16.9966% | 2,656 |
| Total risk-based capital ratio | 18.2045% | 2,637 |
| Memoranda: | ||
| Average total assets | $65,190,000 | 5,777 |
| Average earning assets | $60,630,800 | 5,720 |
| Average equity | $5,989,600 | 6,028 |
| Average total loans | $25,067,200 | 6,191 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 4,882 |
| Cost of funding earning assets | 0.6308% | 4,361 |
| Net interest margin | 3.5501% | 4,438 |
| Noninterest income to average assets | 0.1770% | 6,248 |
| Noninterest expense to average assets | 2.2864% | 5,724 |
| Loan and lease loss provision to assets | 0.6236% | 856 |
| Net operating income to assets | 0.5289% | 4,715 |
| Return on assets (ROA) | 0.6380% | 4,449 |
| Pretax return on assets | 0.6853% | 4,909 |
| Return on Equity (ROE) | 6.9364% | 3,853 |
| Retained earnings to average equity (ytd only) | 4.9002% | 3,438 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7396% | 4,498 |
| Assets per employee ($millions) | 3.5912% | 4,769 |
| Cash dividends to net income (ytd only)* | 29.3550% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4770% | 1,233 |
| Loan loss allowance to noncurrent loans | 141.9643% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 4,954 |
| Noncurrent loans to loans | 1.7448% | 3,165 |
| Net loans and leases to total assets | 38.7370% | 6,375 |
| Net loans and leases to deposits | 43.1382% | 6,543 |
| Net loans and leases to core deposits | 43.9645% | 6,598 |
| Total domestic deposits to total assets | 89.7975% | 950 |
| Equity capital to assets | 9.3950% | 5,344 |
| Core capital (leverage) ratio | 8.5536% | 5,685 |
| Tier 1 risk-based capital ratio | 12.3467% | 5,736 |
| Total risk-based capital ratio | 13.5307% | 5,756 |
| Memoranda: | ||
| Average total assets | $64,787,000 | 5,854 |
| Average earning assets | $60,240,500 | 5,796 |
| Average equity | $5,958,750 | 6,102 |
| Average total loans | $24,747,000 | 6,292 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5949% | 6,494 |
| Cost of funding earning assets | 0.7303% | 3,769 |
| Net interest margin | 2.8647% | 6,470 |
| Noninterest income to average assets | 0.5707% | 3,444 |
| Noninterest expense to average assets | 2.2919% | 5,764 |
| Loan and lease loss provision to assets | 0.0370% | 5,211 |
| Net operating income to assets | 0.7791% | 3,473 |
| Return on assets (ROA) | 0.9223% | 3,059 |
| Pretax return on assets | 1.0704% | 3,415 |
| Return on Equity (ROE) | 10.1002% | 2,316 |
| Retained earnings to average equity (ytd only) | 7.8707% | 1,690 |
| Net charge-offs to loans | 0.0082% | 5,354 |
| Credit loss provision to net charge-offs | 1,200.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 305.0000% | 139 |
| Efficiency ratio | 70.8969% | 3,618 |
| Assets per employee ($millions) | 3.5807% | 4,788 |
| Cash dividends to net income (ytd only)* | 22.0736% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 4,448 |
| Loan loss allowance to noncurrent loans | 91.0053% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5865% | 5,301 |
| Noncurrent loans to loans | 1.5431% | 3,593 |
| Net loans and leases to total assets | 37.4728% | 6,517 |
| Net loans and leases to deposits | 41.6924% | 6,668 |
| Net loans and leases to core deposits | 42.6827% | 6,705 |
| Total domestic deposits to total assets | 89.8793% | 994 |
| Equity capital to assets | 9.3387% | 5,271 |
| Core capital (leverage) ratio | 8.4522% | 5,707 |
| Tier 1 risk-based capital ratio | 11.8413% | 6,032 |
| Total risk-based capital ratio | 12.5842% | 6,296 |
| Memoranda: | ||
| Average total assets | $64,835,670 | 5,891 |
| Average earning assets | $60,251,670 | 5,833 |
| Average equity | $5,920,670 | 6,140 |
| Average total loans | $24,437,330 | 6,349 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 6,669 |
| Cost of funding earning assets | 0.7664% | 3,730 |
| Net interest margin | 2.7551% | 6,707 |
| Noninterest income to average assets | 0.5352% | 3,666 |
| Noninterest expense to average assets | 2.2452% | 5,920 |
| Loan and lease loss provision to assets | 0.0369% | 4,922 |
| Net operating income to assets | 0.7470% | 3,640 |
| Return on assets (ROA) | 0.8366% | 3,450 |
| Pretax return on assets | 0.9165% | 3,977 |
| Return on Equity (ROE) | 9.2651% | 2,701 |
| Retained earnings to average equity (ytd only) | 9.2651% | 1,495 |
| Net charge-offs to loans | 0.0328% | 4,227 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 484 |
| Efficiency ratio | 72.4206% | 3,359 |
| Assets per employee ($millions) | 3.6768% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 4,094 |
| Loan loss allowance to noncurrent loans | 103.3742% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 5,630 |
| Noncurrent loans to loans | 1.4627% | 3,924 |
| Net loans and leases to total assets | 33.1661% | 6,774 |
| Net loans and leases to deposits | 36.7081% | 6,865 |
| Net loans and leases to core deposits | 37.0708% | 6,906 |
| Total domestic deposits to total assets | 90.3509% | 890 |
| Equity capital to assets | 8.9269% | 5,598 |
| Core capital (leverage) ratio | 8.4311% | 5,702 |
| Tier 1 risk-based capital ratio | 17.5980% | 2,442 |
| Total risk-based capital ratio | 18.6785% | 2,473 |
| Memoranda: | ||
| Average total assets | $65,027,500 | 5,917 |
| Average earning assets | $60,542,500 | 5,854 |
| Average equity | $5,871,500 | 6,181 |
| Average total loans | $24,408,000 | 6,401 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 5,490 |
| Cost of funding earning assets | 0.8824% | 4,238 |
| Net interest margin | 3.4996% | 5,146 |
| Noninterest income to average assets | 0.2017% | 6,062 |
| Noninterest expense to average assets | 2.5465% | 5,309 |
| Loan and lease loss provision to assets | 0.1372% | 4,902 |
| Net operating income to assets | 0.7209% | 3,382 |
| Return on assets (ROA) | 0.8301% | 3,072 |
| Pretax return on assets | 0.9409% | 3,463 |
| Return on Equity (ROE) | 9.0689% | 2,416 |
| Retained earnings to average equity (ytd only) | 4.7151% | 2,847 |
| Net charge-offs to loans | 0.5743% | 2,729 |
| Credit loss provision to net charge-offs | 56.4626% | 5,263 |
| Earnings coverage of net charge-offs (x) | 3.9252% | 3,333 |
| Efficiency ratio | 72.7444% | 3,440 |
| Assets per employee ($millions) | 3.9921% | 3,876 |
| Cash dividends to net income (ytd only)* | 48.0080% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 5,137 |
| Loan loss allowance to noncurrent loans | 118.9286% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 5,870 |
| Noncurrent loans to loans | 1.0554% | 4,602 |
| Net loans and leases to total assets | 41.0126% | 6,462 |
| Net loans and leases to deposits | 45.5187% | 6,646 |
| Net loans and leases to core deposits | 45.9861% | 6,738 |
| Total domestic deposits to total assets | 90.1007% | 939 |
| Equity capital to assets | 9.1353% | 5,369 |
| Core capital (leverage) ratio | 8.4933% | 5,571 |
| Tier 1 risk-based capital ratio | 15.4682% | 3,350 |
| Total risk-based capital ratio | 16.4464% | 3,479 |
| Memoranda: | ||
| Average total assets | $60,476,000 | 6,020 |
| Average earning assets | $57,005,800 | 5,951 |
| Average equity | $5,535,400 | 6,286 |
| Average total loans | $25,594,400 | 6,383 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 5,854 |
| Cost of funding earning assets | 0.9017% | 4,383 |
| Net interest margin | 3.4269% | 5,479 |
| Noninterest income to average assets | 0.2348% | 5,943 |
| Noninterest expense to average assets | 2.4373% | 5,668 |
| Loan and lease loss provision to assets | 0.1722% | 4,317 |
| Net operating income to assets | 0.8468% | 2,953 |
| Return on assets (ROA) | 0.8139% | 3,253 |
| Pretax return on assets | 0.8296% | 4,018 |
| Return on Equity (ROE) | 8.8878% | 2,653 |
| Retained earnings to average equity (ytd only) | 6.6170% | 2,192 |
| Net charge-offs to loans | 0.7833% | 1,993 |
| Credit loss provision to net charge-offs | 51.6779% | 4,997 |
| Earnings coverage of net charge-offs (x) | 3.1074% | 3,583 |
| Efficiency ratio | 70.1867% | 3,928 |
| Assets per employee ($millions) | 3.7713% | 4,364 |
| Cash dividends to net income (ytd only)* | 25.5502% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 5,270 |
| Loan loss allowance to noncurrent loans | 240.7407% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 6,501 |
| Noncurrent loans to loans | 0.5176% | 5,813 |
| Net loans and leases to total assets | 42.6898% | 6,446 |
| Net loans and leases to deposits | 47.8552% | 6,629 |
| Net loans and leases to core deposits | 48.3792% | 6,746 |
| Total domestic deposits to total assets | 89.2062% | 1,302 |
| Equity capital to assets | 9.7730% | 4,665 |
| Core capital (leverage) ratio | 8.8036% | 5,261 |
| Tier 1 risk-based capital ratio | 16.0874% | 3,073 |
| Total risk-based capital ratio | 17.0620% | 3,170 |
| Memoranda: | ||
| Average total assets | $59,626,750 | 6,102 |
| Average earning assets | $56,338,000 | 6,018 |
| Average equity | $5,460,500 | 6,351 |
| Average total loans | $25,360,750 | 6,460 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2133% | 6,254 |
| Cost of funding earning assets | 0.9130% | 4,564 |
| Net interest margin | 3.3003% | 5,859 |
| Noninterest income to average assets | 0.2425% | 5,908 |
| Noninterest expense to average assets | 2.4718% | 5,637 |
| Loan and lease loss provision to assets | 0.2391% | 3,525 |
| Net operating income to assets | 0.6601% | 3,744 |
| Return on assets (ROA) | 0.6601% | 3,868 |
| Pretax return on assets | 0.6601% | 4,535 |
| Return on Equity (ROE) | 7.3754% | 3,251 |
| Retained earnings to average equity (ytd only) | 4.1392% | 3,562 |
| Net charge-offs to loans | 1.2421% | 1,256 |
| Credit loss provision to net charge-offs | 45.5128% | 4,690 |
| Earnings coverage of net charge-offs (x) | 1.7115% | 4,017 |
| Efficiency ratio | 73.3267% | 3,493 |
| Assets per employee ($millions) | 3.7233% | 4,375 |
| Cash dividends to net income (ytd only)* | 43.8776% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 5,233 |
| Loan loss allowance to noncurrent loans | 650.0000% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 6,898 |
| Noncurrent loans to loans | 0.1945% | 6,521 |
| Net loans and leases to total assets | 40.9034% | 6,678 |
| Net loans and leases to deposits | 45.5535% | 6,852 |
| Net loans and leases to core deposits | 46.0554% | 6,938 |
| Total domestic deposits to total assets | 89.7922% | 1,078 |
| Equity capital to assets | 9.2778% | 5,175 |
| Core capital (leverage) ratio | 8.4273% | 5,667 |
| Tier 1 risk-based capital ratio | 12.3596% | 5,467 |
| Total risk-based capital ratio | 13.1006% | 5,875 |
| Memoranda: | ||
| Average total assets | $59,389,000 | 6,164 |
| Average earning assets | $56,297,330 | 6,073 |
| Average equity | $5,315,000 | 6,430 |
| Average total loans | $25,119,670 | 6,533 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1599% | 6,371 |
| Cost of funding earning assets | 0.9118% | 4,838 |
| Net interest margin | 3.2481% | 5,928 |
| Noninterest income to average assets | 0.2428% | 5,959 |
| Noninterest expense to average assets | 2.5026% | 5,538 |
| Loan and lease loss provision to assets | 0.3575% | 2,412 |
| Net operating income to assets | 0.4520% | 4,710 |
| Return on assets (ROA) | 0.4520% | 4,795 |
| Pretax return on assets | 0.4587% | 5,154 |
| Return on Equity (ROE) | 5.1449% | 4,320 |
| Retained earnings to average equity (ytd only) | 3.6091% | 4,018 |
| Net charge-offs to loans | 1.9100% | 672 |
| Credit loss provision to net charge-offs | 43.8017% | 3,872 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,911 |
| Efficiency ratio | 75.4065% | 3,261 |
| Assets per employee ($millions) | 3.7601% | 4,392 |
| Cash dividends to net income (ytd only)* | 29.8507% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 4,595 |
| Loan loss allowance to noncurrent loans | 685.4167% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 6,960 |
| Noncurrent loans to loans | 0.2062% | 6,561 |
| Net loans and leases to total assets | 38.1470% | 6,897 |
| Net loans and leases to deposits | 42.2154% | 7,014 |
| Net loans and leases to core deposits | 42.8708% | 7,079 |
| Total domestic deposits to total assets | 90.3627% | 924 |
| Equity capital to assets | 8.8062% | 5,482 |
| Core capital (leverage) ratio | 8.3263% | 5,760 |
| Tier 1 risk-based capital ratio | 16.3763% | 2,720 |
| Total risk-based capital ratio | 17.4396% | 2,781 |
| Memoranda: | ||
| Average total assets | $59,297,500 | 6,205 |
| Average earning assets | $56,155,500 | 6,126 |
| Average equity | $5,209,000 | 6,478 |
| Average total loans | $25,340,000 | 6,571 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 5,406 |
| Cost of funding earning assets | 1.1056% | 5,107 |
| Net interest margin | 3.6942% | 4,373 |
| Noninterest income to average assets | 0.2395% | 6,085 |
| Noninterest expense to average assets | 2.6166% | 5,349 |
| Loan and lease loss provision to assets | 0.4545% | 3,398 |
| Net operating income to assets | 0.5581% | 3,860 |
| Return on assets (ROA) | 0.6852% | 3,410 |
| Pretax return on assets | 0.7464% | 3,810 |
| Return on Equity (ROE) | 7.2303% | 3,013 |
| Retained earnings to average equity (ytd only) | 0.5165% | 5,317 |
| Net charge-offs to loans | 0.7329% | 2,824 |
| Credit loss provision to net charge-offs | 130.0000% | 3,062 |
| Earnings coverage of net charge-offs (x) | 3.0400% | 3,552 |
| Efficiency ratio | 71.1164% | 3,972 |
| Assets per employee ($millions) | 3.4372% | 5,091 |
| Cash dividends to net income (ytd only)* | 92.8571% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 4,287 |
| Loan loss allowance to noncurrent loans | 156.2992% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 6,182 |
| Noncurrent loans to loans | 0.9270% | 5,195 |
| Net loans and leases to total assets | 46.2136% | 6,540 |
| Net loans and leases to deposits | 51.1014% | 6,800 |
| Net loans and leases to core deposits | 52.1766% | 6,901 |
| Total domestic deposits to total assets | 90.4352% | 870 |
| Equity capital to assets | 8.7622% | 5,496 |
| Core capital (leverage) ratio | 8.3967% | 5,540 |
| Tier 1 risk-based capital ratio | 14.7873% | 3,377 |
| Total risk-based capital ratio | 15.9558% | 3,387 |
| Memoranda: | ||
| Average total assets | $57,211,200 | 6,300 |
| Average earning assets | $53,272,200 | 6,244 |
| Average equity | $5,421,600 | 6,534 |
| Average total loans | $27,287,400 | 6,540 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 5,842 |
| Cost of funding earning assets | 1.1355% | 5,221 |
| Net interest margin | 3.6166% | 4,804 |
| Noninterest income to average assets | 0.2577% | 6,055 |
| Noninterest expense to average assets | 2.4789% | 5,789 |
| Loan and lease loss provision to assets | 0.3093% | 4,106 |
| Net operating income to assets | 0.8083% | 2,963 |
| Return on assets (ROA) | 0.8083% | 3,112 |
| Pretax return on assets | 0.8201% | 3,827 |
| Return on Equity (ROE) | 8.3680% | 2,762 |
| Retained earnings to average equity (ytd only) | 5.2390% | 2,818 |
| Net charge-offs to loans | 0.5967% | 2,953 |
| Credit loss provision to net charge-offs | 108.1967% | 3,938 |
| Earnings coverage of net charge-offs (x) | 3.9509% | 3,238 |
| Efficiency ratio | 68.7013% | 4,335 |
| Assets per employee ($millions) | 3.2681% | 5,546 |
| Cash dividends to net income (ytd only)* | 37.3921% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 5,216 |
| Loan loss allowance to noncurrent loans | 91.5567% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.9843% | 5,115 |
| Noncurrent loans to loans | 1.3673% | 4,571 |
| Net loans and leases to total assets | 46.5295% | 6,652 |
| Net loans and leases to deposits | 52.1690% | 6,888 |
| Net loans and leases to core deposits | 54.0363% | 6,955 |
| Total domestic deposits to total assets | 89.1900% | 1,290 |
| Equity capital to assets | 9.6184% | 4,663 |
| Core capital (leverage) ratio | 8.9671% | 4,742 |
| Tier 1 risk-based capital ratio | 15.1426% | 3,183 |
| Total risk-based capital ratio | 16.1490% | 3,281 |
| Memoranda: | ||
| Average total assets | $56,905,750 | 6,388 |
| Average earning assets | $52,719,000 | 6,340 |
| Average equity | $5,497,000 | 6,591 |
| Average total loans | $27,259,000 | 6,627 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 5,947 |
| Cost of funding earning assets | 1.1727% | 5,276 |
| Net interest margin | 3.5836% | 4,885 |
| Noninterest income to average assets | 0.2488% | 6,128 |
| Noninterest expense to average assets | 2.4775% | 5,806 |
| Loan and lease loss provision to assets | 0.3057% | 3,943 |
| Net operating income to assets | 0.7998% | 2,976 |
| Return on assets (ROA) | 0.7998% | 3,113 |
| Pretax return on assets | 0.7678% | 3,991 |
| Return on Equity (ROE) | 8.2670% | 2,779 |
| Retained earnings to average equity (ytd only) | 7.8996% | 1,479 |
| Net charge-offs to loans | 0.7895% | 2,272 |
| Credit loss provision to net charge-offs | 80.3738% | 4,698 |
| Earnings coverage of net charge-offs (x) | 2.8224% | 3,578 |
| Efficiency ratio | 69.7698% | 4,229 |
| Assets per employee ($millions) | 3.1961% | 5,694 |
| Cash dividends to net income (ytd only)* | 4.4444% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 5,775 |
| Loan loss allowance to noncurrent loans | 96.6361% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 6,055 |
| Noncurrent loans to loans | 1.1732% | 4,994 |
| Net loans and leases to total assets | 47.8985% | 6,632 |
| Net loans and leases to deposits | 53.5578% | 6,890 |
| Net loans and leases to core deposits | 54.6345% | 7,009 |
| Total domestic deposits to total assets | 89.4333% | 1,209 |
| Equity capital to assets | 9.6715% | 4,435 |
| Core capital (leverage) ratio | 9.2345% | 4,239 |
| Tier 1 risk-based capital ratio | 15.2644% | 3,030 |
| Total risk-based capital ratio | 16.1895% | 3,154 |
| Memoranda: | ||
| Average total assets | $56,266,000 | 6,451 |
| Average earning assets | $51,847,000 | 6,413 |
| Average equity | $5,443,330 | 6,635 |
| Average total loans | $27,106,000 | 6,682 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 6,386 |
| Cost of funding earning assets | 1.1918% | 5,450 |
| Net interest margin | 3.4656% | 5,308 |
| Noninterest income to average assets | 0.2301% | 6,308 |
| Noninterest expense to average assets | 2.4158% | 6,032 |
| Loan and lease loss provision to assets | 0.1294% | 5,275 |
| Net operating income to assets | 0.9203% | 2,474 |
| Return on assets (ROA) | 0.9203% | 2,536 |
| Pretax return on assets | 0.8628% | 3,618 |
| Return on Equity (ROE) | 9.5114% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.5114% | 1,266 |
| Net charge-offs to loans | 1.6016% | 1,089 |
| Credit loss provision to net charge-offs | 16.8224% | 4,979 |
| Earnings coverage of net charge-offs (x) | 1.2897% | 3,976 |
| Efficiency ratio | 70.8861% | 4,137 |
| Assets per employee ($millions) | 3.1736% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 6,811 |
| Loan loss allowance to noncurrent loans | 708.5714% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 7,332 |
| Noncurrent loans to loans | 0.1286% | 7,083 |
| Net loans and leases to total assets | 47.1956% | 6,740 |
| Net loans and leases to deposits | 52.7057% | 6,999 |
| Net loans and leases to core deposits | 53.0761% | 7,153 |
| Total domestic deposits to total assets | 89.5456% | 1,212 |
| Equity capital to assets | 9.5354% | 4,475 |
| Core capital (leverage) ratio | 9.5835% | 3,663 |
| Tier 1 risk-based capital ratio | 12.6584% | 4,594 |
| Total risk-based capital ratio | 13.2637% | 5,144 |
| Memoranda: | ||
| Average total assets | $55,634,000 | 6,544 |
| Average earning assets | $51,015,000 | 6,510 |
| Average equity | $5,383,000 | 6,712 |
| Average total loans | $26,723,000 | 6,791 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3943% | 4,728 |
| Cost of funding earning assets | 1.3753% | 6,036 |
| Net interest margin | 4.0190% | 2,790 |
| Noninterest income to average assets | 0.3051% | 5,909 |
| Noninterest expense to average assets | 2.6831% | 5,468 |
| Loan and lease loss provision to assets | 0.3091% | 4,969 |
| Net operating income to assets | 0.7618% | 2,670 |
| Return on assets (ROA) | 0.5551% | 3,592 |
| Pretax return on assets | 0.7362% | 3,454 |
| Return on Equity (ROE) | 5.1471% | 3,605 |
| Retained earnings to average equity (ytd only) | -1.7340% | 5,441 |
| Net charge-offs to loans | 0.9575% | 2,487 |
| Credit loss provision to net charge-offs | 59.9237% | 6,639 |
| Earnings coverage of net charge-offs (x) | 2.5611% | 3,838 |
| Efficiency ratio | 67.0108% | 5,182 |
| Assets per employee ($millions) | 3.1849% | 5,754 |
| Cash dividends to net income (ytd only)* | 133.6879% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 4,847 |
| Loan loss allowance to noncurrent loans | 702.0833% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 7,272 |
| Noncurrent loans to loans | 0.1829% | 6,968 |
| Net loans and leases to total assets | 47.8372% | 6,823 |
| Net loans and leases to deposits | 53.5454% | 7,081 |
| Net loans and leases to core deposits | 59.1604% | 7,293 |
| Total domestic deposits to total assets | 89.3395% | 1,305 |
| Equity capital to assets | 9.8238% | 3,978 |
| Core capital (leverage) ratio | 9.4316% | 3,799 |
| Tier 1 risk-based capital ratio | 15.5960% | 2,677 |
| Total risk-based capital ratio | 16.6449% | 2,720 |
| Memoranda: | ||
| Average total assets | $50,799,000 | 6,675 |
| Average earning assets | $46,753,200 | 6,653 |
| Average equity | $5,478,800 | 6,778 |
| Average total loans | $27,362,000 | 6,779 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5259% | 4,293 |
| Cost of funding earning assets | 1.4062% | 6,205 |
| Net interest margin | 4.1197% | 2,319 |
| Noninterest income to average assets | 0.3042% | 6,048 |
| Noninterest expense to average assets | 2.5618% | 5,851 |
| Loan and lease loss provision to assets | 0.0347% | 7,008 |
| Net operating income to assets | 1.2062% | 1,455 |
| Return on assets (ROA) | 1.2062% | 1,511 |
| Pretax return on assets | 1.4917% | 1,436 |
| Return on Equity (ROE) | 10.9200% | 1,648 |
| Retained earnings to average equity (ytd only) | 7.3687% | 1,367 |
| Net charge-offs to loans | 0.8730% | 2,224 |
| Credit loss provision to net charge-offs | 7.1823% | 6,630 |
| Earnings coverage of net charge-offs (x) | 3.1602% | 3,659 |
| Efficiency ratio | 62.6632% | 5,987 |
| Assets per employee ($millions) | 3.0244% | 6,096 |
| Cash dividends to net income (ytd only)* | 32.5230% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 6,264 |
| Loan loss allowance to noncurrent loans | 282.4742% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 7,058 |
| Noncurrent loans to loans | 0.3553% | 6,642 |
| Net loans and leases to total assets | 52.5605% | 6,555 |
| Net loans and leases to deposits | 60.0320% | 6,826 |
| Net loans and leases to core deposits | 66.8563% | 7,122 |
| Total domestic deposits to total assets | 87.5542% | 1,860 |
| Equity capital to assets | 11.2613% | 2,782 |
| Core capital (leverage) ratio | 10.6462% | 2,669 |
| Tier 1 risk-based capital ratio | 16.9405% | 2,295 |
| Total risk-based capital ratio | 17.7883% | 2,365 |
| Memoranda: | ||
| Average total assets | $49,962,750 | 6,762 |
| Average earning assets | $45,891,750 | 6,743 |
| Average equity | $5,518,750 | 6,837 |
| Average total loans | $27,643,000 | 6,821 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5880% | 4,134 |
| Cost of funding earning assets | 1.4424% | 6,344 |
| Net interest margin | 4.1457% | 2,178 |
| Noninterest income to average assets | 0.3032% | 6,094 |
| Noninterest expense to average assets | 2.6112% | 5,698 |
| Loan and lease loss provision to assets | 0.0121% | 7,092 |
| Net operating income to assets | 1.2450% | 1,371 |
| Return on assets (ROA) | 1.2450% | 1,445 |
| Pretax return on assets | 1.4673% | 1,539 |
| Return on Equity (ROE) | 11.3479% | 1,602 |
| Retained earnings to average equity (ytd only) | 10.9794% | 569 |
| Net charge-offs to loans | 0.0144% | 6,336 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 223 |
| Efficiency ratio | 63.8340% | 5,947 |
| Assets per employee ($millions) | 2.9749% | 6,201 |
| Cash dividends to net income (ytd only)* | 3.2468% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 2,602 |
| Loan loss allowance to noncurrent loans | 109.6535% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.7988% | 5,394 |
| Noncurrent loans to loans | 1.4898% | 4,263 |
| Net loans and leases to total assets | 52.7436% | 6,595 |
| Net loans and leases to deposits | 59.9470% | 6,894 |
| Net loans and leases to core deposits | 65.7984% | 7,225 |
| Total domestic deposits to total assets | 87.9837% | 1,786 |
| Equity capital to assets | 10.9901% | 2,930 |
| Core capital (leverage) ratio | 10.8896% | 2,491 |
| Tier 1 risk-based capital ratio | 17.1222% | 2,265 |
| Total risk-based capital ratio | 18.3745% | 2,206 |
| Memoranda: | ||
| Average total assets | $49,478,670 | 6,853 |
| Average earning assets | $45,203,670 | 6,829 |
| Average equity | $5,428,330 | 6,920 |
| Average total loans | $27,758,000 | 6,861 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4214% | 5,311 |
| Cost of funding earning assets | 1.4369% | 6,618 |
| Net interest margin | 3.9845% | 2,711 |
| Noninterest income to average assets | 0.4823% | 4,482 |
| Noninterest expense to average assets | 2.5996% | 5,447 |
| Loan and lease loss provision to assets | 0.0082% | 6,709 |
| Net operating income to assets | 1.3161% | 1,345 |
| Return on assets (ROA) | 1.3161% | 1,444 |
| Pretax return on assets | 1.5695% | 1,483 |
| Return on Equity (ROE) | 12.0071% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.6342% | 861 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2309% | 6,011 |
| Assets per employee ($millions) | 2.9304% | 6,341 |
| Cash dividends to net income (ytd only)* | 3.1056% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 2,770 |
| Loan loss allowance to noncurrent loans | 223.7374% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 6,308 |
| Noncurrent loans to loans | 0.6877% | 5,687 |
| Net loans and leases to total assets | 56.9023% | 6,107 |
| Net loans and leases to deposits | 64.5776% | 6,503 |
| Net loans and leases to core deposits | 70.4011% | 6,998 |
| Total domestic deposits to total assets | 88.1145% | 1,692 |
| Equity capital to assets | 10.9742% | 2,983 |
| Core capital (leverage) ratio | 10.9688% | 2,525 |
| Tier 1 risk-based capital ratio | 16.0881% | 2,659 |
| Total risk-based capital ratio | 17.3389% | 2,598 |
| Memoranda: | ||
| Average total assets | $48,931,500 | 6,908 |
| Average earning assets | $45,376,000 | 6,865 |
| Average equity | $5,363,500 | 6,982 |
| Average total loans | $28,078,500 | 6,878 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1732% | 4,648 |
| Cost of funding earning assets | 2.0149% | 6,366 |
| Net interest margin | 4.1583% | 2,469 |
| Noninterest income to average assets | 0.4351% | 5,170 |
| Noninterest expense to average assets | 2.7926% | 4,852 |
| Loan and lease loss provision to assets | 0.1672% | 5,243 |
| Net operating income to assets | 1.0009% | 2,556 |
| Return on assets (ROA) | 1.0009% | 2,434 |
| Pretax return on assets | 1.2880% | 2,351 |
| Return on Equity (ROE) | 8.9235% | 2,664 |
| Retained earnings to average equity (ytd only) | 1.8153% | 4,105 |
| Net charge-offs to loans | 0.2956% | 3,422 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 8.7051% | 2,833 |
| Efficiency ratio | 65.7417% | 5,183 |
| Assets per employee ($millions) | 2.8262% | 6,499 |
| Cash dividends to net income (ytd only)* | 79.6574% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 2,179 |
| Loan loss allowance to noncurrent loans | 195.5752% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 5,815 |
| Noncurrent loans to loans | 0.8258% | 4,986 |
| Net loans and leases to total assets | 56.0400% | 6,436 |
| Net loans and leases to deposits | 63.3231% | 6,854 |
| Net loans and leases to core deposits | 68.9165% | 7,252 |
| Total domestic deposits to total assets | 88.4985% | 1,249 |
| Equity capital to assets | 10.9478% | 3,084 |
| Core capital (leverage) ratio | 10.8364% | 2,719 |
| Tier 1 risk-based capital ratio | 16.3489% | 2,537 |
| Total risk-based capital ratio | 17.6009% | 2,474 |
| Memoranda: | ||
| Average total assets | $46,659,800 | 6,910 |
| Average earning assets | $42,781,600 | 6,909 |
| Average equity | $5,233,400 | 7,073 |
| Average total loans | $26,385,000 | 6,939 |