Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5449% | 4,759 |
| Cost of funding earning assets | 0.3623% | 3,428 |
| Net interest margin | 3.1826% | 4,603 |
| Noninterest income to average assets | 0.4617% | 3,449 |
| Noninterest expense to average assets | 2.5738% | 3,803 |
| Loan and lease loss provision to assets | 0.1061% | 2,088 |
| Net operating income to assets | 0.7996% | 3,312 |
| Return on assets (ROA) | 0.7996% | 3,455 |
| Pretax return on assets | 0.8279% | 4,196 |
| Return on Equity (ROE) | 10.6923% | 1,766 |
| Retained earnings to average equity (ytd only) | 0.5204% | 5,147 |
| Net charge-offs to loans | 0.0619% | 2,312 |
| Credit loss provision to net charge-offs | 260.8696% | 1,068 |
| Earnings coverage of net charge-offs (x) | 22.9565% | 1,608 |
| Efficiency ratio | 73.3737% | 2,457 |
| Assets per employee ($millions) | 4.3402% | 3,313 |
| Cash dividends to net income (ytd only)* | 95.1327% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4896% | 5,809 |
| Loan loss allowance to noncurrent loans | 502.8169% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 5,201 |
| Noncurrent loans to loans | 0.0974% | 5,062 |
| Net loans and leases to total assets | 64.2970% | 3,325 |
| Net loans and leases to deposits | 69.6930% | 4,008 |
| Net loans and leases to core deposits | 71.9680% | 4,181 |
| Total domestic deposits to total assets | 92.2575% | 70 |
| Equity capital to assets | 7.5971% | 5,897 |
| Core capital (leverage) ratio | 7.3383% | 5,909 |
| Tier 1 risk-based capital ratio | 12.6650% | 4,407 |
| Total risk-based capital ratio | 13.2143% | 4,765 |
| Memoranda: | ||
| Average total assets | $113,060,330 | 4,165 |
| Average earning assets | $108,212,000 | 4,093 |
| Average equity | $8,454,670 | 4,932 |
| Average total loans | $74,307,670 | 3,993 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4963% | 4,900 |
| Cost of funding earning assets | 0.3599% | 3,501 |
| Net interest margin | 3.1364% | 4,761 |
| Noninterest income to average assets | 0.5267% | 2,955 |
| Noninterest expense to average assets | 2.5484% | 3,915 |
| Loan and lease loss provision to assets | 0.1060% | 1,924 |
| Net operating income to assets | 0.8554% | 2,972 |
| Return on assets (ROA) | 0.8554% | 3,090 |
| Pretax return on assets | 0.8907% | 3,881 |
| Return on Equity (ROE) | 11.5300% | 1,454 |
| Retained earnings to average equity (ytd only) | 11.5300% | 575 |
| Net charge-offs to loans | 0.0800% | 1,689 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 18.8000% | 1,529 |
| Efficiency ratio | 71.8843% | 2,815 |
| Assets per employee ($millions) | 4.3537% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4522% | 5,907 |
| Loan loss allowance to noncurrent loans | 452.7027% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 5,250 |
| Noncurrent loans to loans | 0.0999% | 5,071 |
| Net loans and leases to total assets | 65.1448% | 3,089 |
| Net loans and leases to deposits | 70.6693% | 3,791 |
| Net loans and leases to core deposits | 72.3621% | 4,042 |
| Total domestic deposits to total assets | 92.1827% | 94 |
| Equity capital to assets | 7.6203% | 5,925 |
| Core capital (leverage) ratio | 7.5158% | 5,924 |
| Tier 1 risk-based capital ratio | 13.1041% | 4,198 |
| Total risk-based capital ratio | 13.6235% | 4,569 |
| Memoranda: | ||
| Average total assets | $113,168,000 | 4,197 |
| Average earning assets | $108,914,000 | 4,108 |
| Average equity | $8,395,500 | 4,975 |
| Average total loans | $75,005,000 | 3,999 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3700% | 5,224 |
| Cost of funding earning assets | 0.3630% | 3,550 |
| Net interest margin | 3.0069% | 5,123 |
| Noninterest income to average assets | 0.9730% | 1,251 |
| Noninterest expense to average assets | 2.5282% | 4,135 |
| Loan and lease loss provision to assets | 0.0520% | 3,279 |
| Net operating income to assets | 1.2242% | 1,473 |
| Return on assets (ROA) | 1.2234% | 1,535 |
| Pretax return on assets | 1.2840% | 2,340 |
| Return on Equity (ROE) | 17.3635% | 425 |
| Retained earnings to average equity (ytd only) | 3.2218% | 3,762 |
| Net charge-offs to loans | 0.0738% | 2,777 |
| Credit loss provision to net charge-offs | 109.0909% | 2,307 |
| Earnings coverage of net charge-offs (x) | 28.0545% | 1,524 |
| Efficiency ratio | 65.4113% | 4,004 |
| Assets per employee ($millions) | 4.3515% | 3,302 |
| Cash dividends to net income (ytd only)* | 81.4448% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4214% | 5,979 |
| Loan loss allowance to noncurrent loans | 275.8621% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 5,195 |
| Noncurrent loans to loans | 0.1528% | 4,883 |
| Net loans and leases to total assets | 66.8320% | 2,871 |
| Net loans and leases to deposits | 72.1677% | 3,704 |
| Net loans and leases to core deposits | 73.8935% | 3,951 |
| Total domestic deposits to total assets | 92.6064% | 64 |
| Equity capital to assets | 7.2168% | 6,025 |
| Core capital (leverage) ratio | 7.1704% | 6,029 |
| Tier 1 risk-based capital ratio | 12.0874% | 4,893 |
| Total risk-based capital ratio | 12.5585% | 5,263 |
| Memoranda: | ||
| Average total assets | $115,416,400 | 4,149 |
| Average earning assets | $111,010,000 | 4,053 |
| Average equity | $8,132,000 | 5,036 |
| Average total loans | $74,558,400 | 3,982 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3532% | 5,307 |
| Cost of funding earning assets | 0.3622% | 3,631 |
| Net interest margin | 2.9910% | 5,215 |
| Noninterest income to average assets | 0.7989% | 1,811 |
| Noninterest expense to average assets | 2.4267% | 4,429 |
| Loan and lease loss provision to assets | 0.0517% | 3,164 |
| Net operating income to assets | 1.1449% | 1,849 |
| Return on assets (ROA) | 1.1449% | 1,915 |
| Pretax return on assets | 1.1967% | 2,833 |
| Return on Equity (ROE) | 16.3468% | 554 |
| Retained earnings to average equity (ytd only) | 4.8581% | 3,017 |
| Net charge-offs to loans | 0.0054% | 3,984 |
| Credit loss provision to net charge-offs | 1,500.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 361.9900% | 205 |
| Efficiency ratio | 66.0307% | 3,886 |
| Assets per employee ($millions) | 4.3386% | 3,260 |
| Cash dividends to net income (ytd only)* | 70.2810% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4983% | 6,021 |
| Loan loss allowance to noncurrent loans | 216.3636% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 5,177 |
| Noncurrent loans to loans | 0.2303% | 4,740 |
| Net loans and leases to total assets | 63.1955% | 3,420 |
| Net loans and leases to deposits | 68.4622% | 4,144 |
| Net loans and leases to core deposits | 69.7484% | 4,395 |
| Total domestic deposits to total assets | 92.3070% | 80 |
| Equity capital to assets | 7.4173% | 6,083 |
| Core capital (leverage) ratio | 7.1886% | 6,104 |
| Tier 1 risk-based capital ratio | 13.0660% | 4,398 |
| Total risk-based capital ratio | 13.6318% | 4,743 |
| Memoranda: | ||
| Average total assets | $115,985,750 | 4,179 |
| Average earning assets | $111,531,250 | 4,094 |
| Average equity | $8,123,750 | 5,100 |
| Average total loans | $74,214,750 | 4,030 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3254% | 5,390 |
| Cost of funding earning assets | 0.3557% | 3,746 |
| Net interest margin | 2.9697% | 5,289 |
| Noninterest income to average assets | 0.4955% | 3,409 |
| Noninterest expense to average assets | 2.3837% | 4,604 |
| Loan and lease loss provision to assets | 0.0513% | 3,095 |
| Net operating income to assets | 0.8766% | 3,005 |
| Return on assets (ROA) | 0.8766% | 3,114 |
| Pretax return on assets | 0.9142% | 3,902 |
| Return on Equity (ROE) | 12.7570% | 1,170 |
| Retained earnings to average equity (ytd only) | 1.5666% | 4,919 |
| Net charge-offs to loans | -0.0027% | 4,629 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1735% | 3,133 |
| Assets per employee ($millions) | 4.4913% | 3,001 |
| Cash dividends to net income (ytd only)* | 87.7193% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4698% | 6,114 |
| Loan loss allowance to noncurrent loans | 209.6970% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 5,296 |
| Noncurrent loans to loans | 0.2240% | 4,886 |
| Net loans and leases to total assets | 62.7737% | 3,439 |
| Net loans and leases to deposits | 67.5669% | 4,172 |
| Net loans and leases to core deposits | 68.7810% | 4,430 |
| Total domestic deposits to total assets | 92.9060% | 58 |
| Equity capital to assets | 6.8602% | 6,210 |
| Core capital (leverage) ratio | 6.7404% | 6,219 |
| Tier 1 risk-based capital ratio | 12.2327% | 4,975 |
| Total risk-based capital ratio | 12.7611% | 5,379 |
| Memoranda: | ||
| Average total assets | $117,046,330 | 4,205 |
| Average earning assets | $112,469,000 | 4,108 |
| Average equity | $8,042,670 | 5,156 |
| Average total loans | $75,071,670 | 4,029 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2946% | 5,463 |
| Cost of funding earning assets | 0.3479% | 3,881 |
| Net interest margin | 2.9466% | 5,352 |
| Noninterest income to average assets | 0.5462% | 2,977 |
| Noninterest expense to average assets | 2.4270% | 4,526 |
| Loan and lease loss provision to assets | 0.0512% | 2,914 |
| Net operating income to assets | 0.8636% | 2,942 |
| Return on assets (ROA) | 0.8636% | 3,057 |
| Pretax return on assets | 0.9012% | 3,887 |
| Return on Equity (ROE) | 12.5582% | 1,203 |
| Retained earnings to average equity (ytd only) | 12.5582% | 496 |
| Net charge-offs to loans | -0.0053% | 4,512 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8182% | 3,202 |
| Assets per employee ($millions) | 4.5629% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4513% | 6,203 |
| Loan loss allowance to noncurrent loans | 193.5673% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 5,379 |
| Noncurrent loans to loans | 0.2331% | 4,940 |
| Net loans and leases to total assets | 61.5476% | 3,441 |
| Net loans and leases to deposits | 66.3122% | 4,119 |
| Net loans and leases to core deposits | 67.0792% | 4,421 |
| Total domestic deposits to total assets | 92.8149% | 74 |
| Equity capital to assets | 6.9954% | 6,263 |
| Core capital (leverage) ratio | 7.0565% | 6,233 |
| Tier 1 risk-based capital ratio | 12.7426% | 4,759 |
| Total risk-based capital ratio | 13.2569% | 5,129 |
| Memoranda: | ||
| Average total assets | $117,182,000 | 4,234 |
| Average earning assets | $112,670,500 | 4,131 |
| Average equity | $8,058,500 | 5,199 |
| Average total loans | $75,782,500 | 4,030 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4713% | 5,391 |
| Cost of funding earning assets | 0.3738% | 3,994 |
| Net interest margin | 3.0975% | 5,210 |
| Noninterest income to average assets | 0.9366% | 1,393 |
| Noninterest expense to average assets | 2.5544% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2936% | 1,316 |
| Return on assets (ROA) | 1.2936% | 1,368 |
| Pretax return on assets | 1.3481% | 2,083 |
| Return on Equity (ROE) | 18.6896% | 342 |
| Retained earnings to average equity (ytd only) | 3.5962% | 3,658 |
| Net charge-offs to loans | 0.0445% | 3,938 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 46.3750% | 982 |
| Efficiency ratio | 65.4562% | 4,328 |
| Assets per employee ($millions) | 4.6292% | 2,835 |
| Cash dividends to net income (ytd only)* | 80.7584% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4027% | 6,323 |
| Loan loss allowance to noncurrent loans | 516.3934% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 5,804 |
| Noncurrent loans to loans | 0.0780% | 5,573 |
| Net loans and leases to total assets | 67.3142% | 2,679 |
| Net loans and leases to deposits | 72.3149% | 3,641 |
| Net loans and leases to core deposits | 73.0884% | 4,019 |
| Total domestic deposits to total assets | 93.0847% | 64 |
| Equity capital to assets | 6.7554% | 6,353 |
| Core capital (leverage) ratio | 6.9171% | 6,325 |
| Tier 1 risk-based capital ratio | 11.2726% | 5,782 |
| Total risk-based capital ratio | 11.7194% | 6,053 |
| Memoranda: | ||
| Average total assets | $110,083,000 | 4,379 |
| Average earning assets | $105,406,000 | 4,284 |
| Average equity | $7,619,200 | 5,290 |
| Average total loans | $71,977,000 | 4,125 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4686% | 5,454 |
| Cost of funding earning assets | 0.3797% | 4,024 |
| Net interest margin | 3.0889% | 5,289 |
| Noninterest income to average assets | 0.8318% | 1,769 |
| Noninterest expense to average assets | 2.5017% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2306% | 1,580 |
| Return on assets (ROA) | 1.2306% | 1,638 |
| Pretax return on assets | 1.2846% | 2,439 |
| Return on Equity (ROE) | 17.6670% | 474 |
| Retained earnings to average equity (ytd only) | 4.4563% | 3,481 |
| Net charge-offs to loans | 0.0170% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 116.3308% | 511 |
| Efficiency ratio | 66.0726% | 4,203 |
| Assets per employee ($millions) | 4.3351% | 3,241 |
| Cash dividends to net income (ytd only)* | 74.7760% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4803% | 6,361 |
| Loan loss allowance to noncurrent loans | 889.4737% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 6,034 |
| Noncurrent loans to loans | 0.0540% | 5,801 |
| Net loans and leases to total assets | 62.1321% | 3,465 |
| Net loans and leases to deposits | 66.8892% | 4,247 |
| Net loans and leases to core deposits | 67.6249% | 4,547 |
| Total domestic deposits to total assets | 92.8881% | 84 |
| Equity capital to assets | 6.8377% | 6,408 |
| Core capital (leverage) ratio | 7.3009% | 6,332 |
| Tier 1 risk-based capital ratio | 12.3050% | 5,295 |
| Total risk-based capital ratio | 12.8297% | 5,669 |
| Memoranda: | ||
| Average total assets | $108,671,500 | 4,448 |
| Average earning assets | $103,938,750 | 4,351 |
| Average equity | $7,569,500 | 5,340 |
| Average total loans | $70,417,000 | 4,205 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4911% | 5,426 |
| Cost of funding earning assets | 0.3844% | 4,053 |
| Net interest margin | 3.1067% | 5,233 |
| Noninterest income to average assets | 0.5646% | 3,017 |
| Noninterest expense to average assets | 2.5139% | 4,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9746% | 2,437 |
| Return on assets (ROA) | 0.9746% | 2,517 |
| Pretax return on assets | 1.0175% | 3,411 |
| Return on Equity (ROE) | 13.9028% | 976 |
| Retained earnings to average equity (ytd only) | 1.9405% | 4,912 |
| Net charge-offs to loans | 0.0256% | 3,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 60.6667% | 800 |
| Efficiency ratio | 71.1873% | 3,472 |
| Assets per employee ($millions) | 4.1583% | 3,533 |
| Cash dividends to net income (ytd only)* | 86.0421% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4893% | 6,427 |
| Loan loss allowance to noncurrent loans | 16,900.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 6,274 |
| Noncurrent loans to loans | 0.0029% | 6,106 |
| Net loans and leases to total assets | 63.5811% | 3,144 |
| Net loans and leases to deposits | 68.6068% | 3,980 |
| Net loans and leases to core deposits | 69.5847% | 4,306 |
| Total domestic deposits to total assets | 92.6746% | 104 |
| Equity capital to assets | 7.0063% | 6,442 |
| Core capital (leverage) ratio | 7.1364% | 6,408 |
| Tier 1 risk-based capital ratio | 12.1833% | 5,435 |
| Total risk-based capital ratio | 12.7149% | 5,773 |
| Memoranda: | ||
| Average total assets | $107,324,330 | 4,505 |
| Average earning assets | $102,489,000 | 4,404 |
| Average equity | $7,523,670 | 5,378 |
| Average total loans | $70,433,000 | 4,222 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 5,476 |
| Cost of funding earning assets | 0.3878% | 4,113 |
| Net interest margin | 3.0942% | 5,275 |
| Noninterest income to average assets | 0.6135% | 2,653 |
| Noninterest expense to average assets | 2.5101% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0138% | 2,157 |
| Return on assets (ROA) | 1.0138% | 2,223 |
| Pretax return on assets | 1.0587% | 3,090 |
| Return on Equity (ROE) | 14.4572% | 866 |
| Retained earnings to average equity (ytd only) | 14.4572% | 362 |
| Net charge-offs to loans | 0.0169% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 94.3333% | 475 |
| Efficiency ratio | 70.3354% | 3,773 |
| Assets per employee ($millions) | 3.9997% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4907% | 6,513 |
| Loan loss allowance to noncurrent loans | 484.5070% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 6,078 |
| Noncurrent loans to loans | 0.1013% | 5,823 |
| Net loans and leases to total assets | 64.5998% | 2,792 |
| Net loans and leases to deposits | 69.6860% | 3,643 |
| Net loans and leases to core deposits | 70.1119% | 4,076 |
| Total domestic deposits to total assets | 92.7012% | 145 |
| Equity capital to assets | 7.1061% | 6,423 |
| Core capital (leverage) ratio | 7.4876% | 6,342 |
| Tier 1 risk-based capital ratio | 12.1746% | 5,526 |
| Total risk-based capital ratio | 12.7017% | 5,892 |
| Memoranda: | ||
| Average total assets | $106,928,000 | 4,562 |
| Average earning assets | $102,125,000 | 4,447 |
| Average equity | $7,498,000 | 5,420 |
| Average total loans | $71,109,500 | 4,230 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5599% | 5,509 |
| Cost of funding earning assets | 0.4416% | 4,200 |
| Net interest margin | 3.1183% | 5,262 |
| Noninterest income to average assets | 0.8788% | 1,758 |
| Noninterest expense to average assets | 2.5082% | 4,742 |
| Loan and lease loss provision to assets | -0.1927% | 6,592 |
| Net operating income to assets | 1.4637% | 889 |
| Return on assets (ROA) | 1.4637% | 935 |
| Pretax return on assets | 1.5302% | 1,349 |
| Return on Equity (ROE) | 20.5676% | 256 |
| Retained earnings to average equity (ytd only) | 4.9963% | 2,598 |
| Net charge-offs to loans | 0.0330% | 4,771 |
| Credit loss provision to net charge-offs | -909.0909% | 6,212 |
| Earnings coverage of net charge-offs (x) | 63.0909% | 660 |
| Efficiency ratio | 65.2217% | 4,696 |
| Assets per employee ($millions) | 3.9209% | 4,024 |
| Cash dividends to net income (ytd only)* | 75.7077% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4812% | 6,589 |
| Loan loss allowance to noncurrent loans | 5,783.3333% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 6,419 |
| Noncurrent loans to loans | 0.0083% | 6,268 |
| Net loans and leases to total assets | 67.7901% | 2,393 |
| Net loans and leases to deposits | 72.9656% | 3,401 |
| Net loans and leases to core deposits | 73.6303% | 3,878 |
| Total domestic deposits to total assets | 92.9070% | 144 |
| Equity capital to assets | 6.9164% | 6,478 |
| Core capital (leverage) ratio | 7.3169% | 6,438 |
| Tier 1 risk-based capital ratio | 11.5564% | 5,876 |
| Total risk-based capital ratio | 12.0789% | 6,199 |
| Memoranda: | ||
| Average total assets | $103,778,000 | 4,654 |
| Average earning assets | $98,739,200 | 4,543 |
| Average equity | $7,385,400 | 5,481 |
| Average total loans | $66,619,600 | 4,394 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5466% | 5,586 |
| Cost of funding earning assets | 0.4494% | 4,281 |
| Net interest margin | 3.0972% | 5,323 |
| Noninterest income to average assets | 0.8496% | 1,937 |
| Noninterest expense to average assets | 2.4598% | 4,843 |
| Loan and lease loss provision to assets | -0.2583% | 6,757 |
| Net operating income to assets | 1.5250% | 861 |
| Return on assets (ROA) | 1.5250% | 905 |
| Pretax return on assets | 1.5934% | 1,349 |
| Return on Equity (ROE) | 21.2752% | 234 |
| Retained earnings to average equity (ytd only) | 6.8636% | 1,940 |
| Net charge-offs to loans | 0.0368% | 4,408 |
| Credit loss provision to net charge-offs | -1,111.1111% | 6,202 |
| Earnings coverage of net charge-offs (x) | 57.4429% | 782 |
| Efficiency ratio | 64.8180% | 4,674 |
| Assets per employee ($millions) | 3.7367% | 4,378 |
| Cash dividends to net income (ytd only)* | 67.7391% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5256% | 6,636 |
| Loan loss allowance to noncurrent loans | 5,850.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 6,500 |
| Noncurrent loans to loans | 0.0090% | 6,352 |
| Net loans and leases to total assets | 65.8450% | 2,669 |
| Net loans and leases to deposits | 71.3269% | 3,598 |
| Net loans and leases to core deposits | 71.8033% | 4,118 |
| Total domestic deposits to total assets | 92.3144% | 203 |
| Equity capital to assets | 7.3764% | 6,434 |
| Core capital (leverage) ratio | 7.6078% | 6,402 |
| Tier 1 risk-based capital ratio | 12.7509% | 5,297 |
| Total risk-based capital ratio | 13.3332% | 5,663 |
| Memoranda: | ||
| Average total assets | $103,256,250 | 4,711 |
| Average earning assets | $98,194,250 | 4,606 |
| Average equity | $7,401,250 | 5,539 |
| Average total loans | $65,246,250 | 4,478 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5361% | 5,616 |
| Cost of funding earning assets | 0.4503% | 4,423 |
| Net interest margin | 3.0858% | 5,312 |
| Noninterest income to average assets | 0.5613% | 3,430 |
| Noninterest expense to average assets | 2.3375% | 5,250 |
| Loan and lease loss provision to assets | -0.3844% | 6,857 |
| Net operating income to assets | 1.4917% | 914 |
| Return on assets (ROA) | 1.4917% | 983 |
| Pretax return on assets | 1.5455% | 1,496 |
| Return on Equity (ROE) | 21.0080% | 250 |
| Retained earnings to average equity (ytd only) | 7.4719% | 1,683 |
| Net charge-offs to loans | 0.0649% | 3,775 |
| Credit loss provision to net charge-offs | -952.3810% | 6,017 |
| Earnings coverage of net charge-offs (x) | 28.7619% | 1,181 |
| Efficiency ratio | 66.8132% | 4,395 |
| Assets per employee ($millions) | 3.7210% | 4,369 |
| Cash dividends to net income (ytd only)* | 64.4330% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5310% | 6,681 |
| Loan loss allowance to noncurrent loans | 3,866.6667% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 6,531 |
| Noncurrent loans to loans | 0.0137% | 6,391 |
| Net loans and leases to total assets | 64.8850% | 2,778 |
| Net loans and leases to deposits | 70.2563% | 3,684 |
| Net loans and leases to core deposits | 70.9190% | 4,173 |
| Total domestic deposits to total assets | 92.3547% | 202 |
| Equity capital to assets | 7.2372% | 6,531 |
| Core capital (leverage) ratio | 7.4939% | 6,454 |
| Tier 1 risk-based capital ratio | 12.6504% | 5,392 |
| Total risk-based capital ratio | 13.2310% | 5,753 |
| Memoranda: | ||
| Average total assets | $104,045,000 | 4,725 |
| Average earning assets | $99,034,670 | 4,622 |
| Average equity | $7,387,670 | 5,590 |
| Average total loans | $64,734,330 | 4,511 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 5,684 |
| Cost of funding earning assets | 0.4538% | 4,549 |
| Net interest margin | 3.0535% | 5,419 |
| Noninterest income to average assets | 0.6161% | 3,045 |
| Noninterest expense to average assets | 2.5776% | 4,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8995% | 2,656 |
| Return on assets (ROA) | 0.8995% | 2,803 |
| Pretax return on assets | 0.9373% | 3,625 |
| Return on Equity (ROE) | 12.7854% | 1,219 |
| Retained earnings to average equity (ytd only) | -0.6446% | 5,905 |
| Net charge-offs to loans | 0.1368% | 2,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 11.2727% | 1,672 |
| Efficiency ratio | 73.3333% | 3,383 |
| Assets per employee ($millions) | 3.8123% | 4,330 |
| Cash dividends to net income (ytd only)* | 105.0420% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 6,359 |
| Loan loss allowance to noncurrent loans | 303.8889% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 6,047 |
| Noncurrent loans to loans | 0.2812% | 5,699 |
| Net loans and leases to total assets | 61.6520% | 3,134 |
| Net loans and leases to deposits | 66.6264% | 3,966 |
| Net loans and leases to core deposits | 67.5966% | 4,347 |
| Total domestic deposits to total assets | 92.5338% | 171 |
| Equity capital to assets | 7.2126% | 6,672 |
| Core capital (leverage) ratio | 6.9642% | 6,655 |
| Tier 1 risk-based capital ratio | 12.2660% | 5,745 |
| Total risk-based capital ratio | 13.1859% | 5,922 |
| Memoranda: | ||
| Average total assets | $105,834,000 | 4,725 |
| Average earning assets | $100,476,500 | 4,608 |
| Average equity | $7,446,000 | 5,633 |
| Average total loans | $64,333,500 | 4,551 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 5,109 |
| Cost of funding earning assets | 0.5411% | 4,894 |
| Net interest margin | 3.5166% | 4,431 |
| Noninterest income to average assets | 0.9099% | 1,832 |
| Noninterest expense to average assets | 2.7882% | 4,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4213% | 1,062 |
| Return on assets (ROA) | 1.4213% | 1,176 |
| Pretax return on assets | 1.4836% | 1,737 |
| Return on Equity (ROE) | 19.2565% | 339 |
| Retained earnings to average equity (ytd only) | 3.8459% | 3,492 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2697% | 4,653 |
| Assets per employee ($millions) | 4.0273% | 3,890 |
| Cash dividends to net income (ytd only)* | 80.0278% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 6,311 |
| Loan loss allowance to noncurrent loans | 237.0833% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 6,006 |
| Noncurrent loans to loans | 0.3712% | 5,565 |
| Net loans and leases to total assets | 58.9422% | 3,809 |
| Net loans and leases to deposits | 63.4373% | 4,611 |
| Net loans and leases to core deposits | 63.9666% | 4,960 |
| Total domestic deposits to total assets | 92.9141% | 141 |
| Equity capital to assets | 6.8679% | 6,797 |
| Core capital (leverage) ratio | 6.9891% | 6,706 |
| Tier 1 risk-based capital ratio | 12.0426% | 5,759 |
| Total risk-based capital ratio | 12.9805% | 5,910 |
| Memoranda: | ||
| Average total assets | $101,104,800 | 4,807 |
| Average earning assets | $96,655,200 | 4,673 |
| Average equity | $7,462,400 | 5,651 |
| Average total loans | $65,591,200 | 4,527 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 4,800 |
| Cost of funding earning assets | 0.5645% | 4,962 |
| Net interest margin | 3.6427% | 4,043 |
| Noninterest income to average assets | 0.7621% | 2,418 |
| Noninterest expense to average assets | 2.7621% | 4,119 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4247% | 1,172 |
| Return on assets (ROA) | 1.4247% | 1,291 |
| Pretax return on assets | 1.4866% | 1,931 |
| Return on Equity (ROE) | 18.9425% | 399 |
| Retained earnings to average equity (ytd only) | 6.4333% | 2,411 |
| Net charge-offs to loans | 0.0020% | 5,747 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1,108.7444% | 36 |
| Efficiency ratio | 65.0111% | 4,626 |
| Assets per employee ($millions) | 3.7072% | 4,522 |
| Cash dividends to net income (ytd only)* | 66.0376% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 6,387 |
| Loan loss allowance to noncurrent loans | 336.0947% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 6,282 |
| Noncurrent loans to loans | 0.2673% | 5,952 |
| Net loans and leases to total assets | 62.6032% | 3,280 |
| Net loans and leases to deposits | 68.1042% | 4,166 |
| Net loans and leases to core deposits | 69.2604% | 4,583 |
| Total domestic deposits to total assets | 91.9226% | 215 |
| Equity capital to assets | 7.6258% | 6,738 |
| Core capital (leverage) ratio | 7.5376% | 6,602 |
| Tier 1 risk-based capital ratio | 12.9135% | 5,323 |
| Total risk-based capital ratio | 13.9077% | 5,478 |
| Memoranda: | ||
| Average total assets | $99,196,750 | 4,899 |
| Average earning assets | $94,946,750 | 4,772 |
| Average equity | $7,461,000 | 5,705 |
| Average total loans | $65,823,750 | 4,557 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3051% | 4,548 |
| Cost of funding earning assets | 0.5836% | 5,041 |
| Net interest margin | 3.7215% | 3,718 |
| Noninterest income to average assets | 0.5582% | 3,535 |
| Noninterest expense to average assets | 2.7503% | 4,215 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3104% | 1,413 |
| Return on assets (ROA) | 1.3104% | 1,562 |
| Pretax return on assets | 1.3671% | 2,330 |
| Return on Equity (ROE) | 17.5048% | 570 |
| Retained earnings to average equity (ytd only) | 6.6994% | 2,272 |
| Net charge-offs to loans | -0.0060% | 6,197 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7976% | 4,362 |
| Assets per employee ($millions) | 3.6209% | 4,711 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 6,437 |
| Loan loss allowance to noncurrent loans | 1,502.6316% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 6,734 |
| Noncurrent loans to loans | 0.0602% | 6,520 |
| Net loans and leases to total assets | 63.9298% | 3,049 |
| Net loans and leases to deposits | 69.5801% | 3,957 |
| Net loans and leases to core deposits | 70.5899% | 4,459 |
| Total domestic deposits to total assets | 91.8795% | 243 |
| Equity capital to assets | 7.6684% | 6,727 |
| Core capital (leverage) ratio | 7.5119% | 6,624 |
| Tier 1 risk-based capital ratio | 12.7904% | 5,349 |
| Total risk-based capital ratio | 12.7904% | 6,171 |
| Memoranda: | ||
| Average total assets | $98,897,670 | 4,922 |
| Average earning assets | $94,586,000 | 4,803 |
| Average equity | $7,403,670 | 5,742 |
| Average total loans | $66,688,330 | 4,534 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4353% | 4,178 |
| Cost of funding earning assets | 0.6090% | 5,059 |
| Net interest margin | 3.8262% | 3,257 |
| Noninterest income to average assets | 0.5308% | 3,691 |
| Noninterest expense to average assets | 2.7628% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3754% | 1,266 |
| Return on assets (ROA) | 1.3754% | 1,416 |
| Pretax return on assets | 1.4317% | 2,084 |
| Return on Equity (ROE) | 18.5945% | 488 |
| Retained earnings to average equity (ytd only) | 7.7205% | 2,084 |
| Net charge-offs to loans | -0.0058% | 5,823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8677% | 4,578 |
| Assets per employee ($millions) | 3.6139% | 4,849 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 6,609 |
| Loan loss allowance to noncurrent loans | 14,250.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 6,939 |
| Noncurrent loans to loans | 0.0061% | 6,784 |
| Net loans and leases to total assets | 66.4388% | 2,383 |
| Net loans and leases to deposits | 72.1462% | 3,417 |
| Net loans and leases to core deposits | 73.0198% | 4,021 |
| Total domestic deposits to total assets | 92.0891% | 239 |
| Equity capital to assets | 7.6137% | 6,729 |
| Core capital (leverage) ratio | 7.2279% | 6,750 |
| Tier 1 risk-based capital ratio | 12.4617% | 5,636 |
| Total risk-based capital ratio | 12.4617% | 6,420 |
| Memoranda: | ||
| Average total assets | $99,464,000 | 4,952 |
| Average earning assets | $95,237,000 | 4,812 |
| Average equity | $7,357,000 | 5,777 |
| Average total loans | $68,496,500 | 4,500 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5786% | 4,759 |
| Cost of funding earning assets | 0.7994% | 4,880 |
| Net interest margin | 3.7792% | 3,929 |
| Noninterest income to average assets | 0.8285% | 1,931 |
| Noninterest expense to average assets | 2.8871% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4810% | 865 |
| Return on assets (ROA) | 1.4810% | 938 |
| Pretax return on assets | 1.5442% | 1,358 |
| Return on Equity (ROE) | 19.6503% | 277 |
| Retained earnings to average equity (ytd only) | 4.2657% | 3,148 |
| Net charge-offs to loans | -0.0016% | 6,794 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1522% | 4,926 |
| Assets per employee ($millions) | 3.7539% | 4,426 |
| Cash dividends to net income (ytd only)* | 78.2918% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 6,755 |
| 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 | 70.0781% | 2,015 |
| Net loans and leases to deposits | 80.0494% | 2,507 |
| Net loans and leases to core deposits | 81.3178% | 3,277 |
| Total domestic deposits to total assets | 87.5437% | 2,450 |
| Equity capital to assets | 7.1877% | 6,909 |
| Core capital (leverage) ratio | 7.2036% | 6,788 |
| Tier 1 risk-based capital ratio | 11.1732% | 6,363 |
| Total risk-based capital ratio | 11.1732% | 6,863 |
| Memoranda: | ||
| Average total assets | $94,871,200 | 5,050 |
| Average earning assets | $90,442,600 | 4,921 |
| Average equity | $7,150,000 | 5,823 |
| Average total loans | $64,112,400 | 4,711 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6310% | 4,742 |
| Cost of funding earning assets | 0.8491% | 4,777 |
| Net interest margin | 3.7819% | 3,957 |
| Noninterest income to average assets | 0.8193% | 1,963 |
| Noninterest expense to average assets | 2.9125% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4484% | 1,057 |
| Return on assets (ROA) | 1.4484% | 1,129 |
| Pretax return on assets | 1.5113% | 1,617 |
| Return on Equity (ROE) | 18.9795% | 387 |
| Retained earnings to average equity (ytd only) | 6.8012% | 2,080 |
| Net charge-offs to loans | -0.0214% | 6,925 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8371% | 4,749 |
| Assets per employee ($millions) | 3.5368% | 4,908 |
| Cash dividends to net income (ytd only)* | 64.1664% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 6,580 |
| Loan loss allowance to noncurrent loans | 5,254.5455% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 7,036 |
| Noncurrent loans to loans | 0.0172% | 6,901 |
| Net loans and leases to total assets | 66.1787% | 2,862 |
| Net loans and leases to deposits | 72.1481% | 3,963 |
| Net loans and leases to core deposits | 73.2563% | 4,555 |
| Total domestic deposits to total assets | 91.7261% | 256 |
| Equity capital to assets | 7.7597% | 6,820 |
| Core capital (leverage) ratio | 7.5311% | 6,749 |
| Tier 1 risk-based capital ratio | 11.9898% | 5,903 |
| Total risk-based capital ratio | 11.9898% | 6,671 |
| Memoranda: | ||
| Average total assets | $93,250,500 | 5,130 |
| Average earning assets | $88,877,500 | 4,995 |
| Average equity | $7,116,250 | 5,872 |
| Average total loans | $62,241,500 | 4,824 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6229% | 4,877 |
| Cost of funding earning assets | 0.8711% | 4,893 |
| Net interest margin | 3.7519% | 4,019 |
| Noninterest income to average assets | 0.5794% | 3,268 |
| Noninterest expense to average assets | 2.9123% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1913% | 1,599 |
| Return on assets (ROA) | 1.1913% | 1,688 |
| Pretax return on assets | 1.2432% | 2,336 |
| Return on Equity (ROE) | 15.7017% | 700 |
| Retained earnings to average equity (ytd only) | 5.7279% | 2,576 |
| Net charge-offs to loans | -0.0356% | 6,959 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0832% | 4,106 |
| Assets per employee ($millions) | 3.4534% | 5,070 |
| Cash dividends to net income (ytd only)* | 63.5209% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 6,511 |
| Loan loss allowance to noncurrent loans | 2,412.5000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 7,036 |
| Noncurrent loans to loans | 0.0393% | 6,885 |
| Net loans and leases to total assets | 64.8152% | 3,293 |
| Net loans and leases to deposits | 70.7488% | 4,332 |
| Net loans and leases to core deposits | 71.8609% | 4,838 |
| Total domestic deposits to total assets | 91.6132% | 322 |
| Equity capital to assets | 7.7562% | 6,833 |
| Core capital (leverage) ratio | 7.5716% | 6,695 |
| Tier 1 risk-based capital ratio | 11.9954% | 5,795 |
| Total risk-based capital ratio | 11.9954% | 6,668 |
| Memoranda: | ||
| Average total assets | $92,503,000 | 5,189 |
| Average earning assets | $88,169,330 | 5,052 |
| Average equity | $7,018,330 | 5,921 |
| Average total loans | $61,730,670 | 4,877 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 4,487 |
| Cost of funding earning assets | 0.9031% | 4,896 |
| Net interest margin | 3.8039% | 3,597 |
| Noninterest income to average assets | 0.5818% | 3,292 |
| Noninterest expense to average assets | 2.9783% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1722% | 1,592 |
| Return on assets (ROA) | 1.1722% | 1,646 |
| Pretax return on assets | 1.2243% | 2,295 |
| Return on Equity (ROE) | 15.6261% | 721 |
| Retained earnings to average equity (ytd only) | 4.0512% | 3,732 |
| Net charge-offs to loans | -0.0451% | 6,847 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8678% | 4,080 |
| Assets per employee ($millions) | 3.4687% | 5,071 |
| Cash dividends to net income (ytd only)* | 74.0741% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 6,437 |
| Loan loss allowance to noncurrent loans | 3,194.4444% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 7,137 |
| Noncurrent loans to loans | 0.0310% | 6,982 |
| Net loans and leases to total assets | 61.4603% | 3,971 |
| Net loans and leases to deposits | 66.7765% | 4,865 |
| Net loans and leases to core deposits | 69.6582% | 5,090 |
| Total domestic deposits to total assets | 92.0388% | 272 |
| Equity capital to assets | 7.3857% | 6,932 |
| Core capital (leverage) ratio | 7.4009% | 6,791 |
| Tier 1 risk-based capital ratio | 12.0880% | 5,611 |
| Total risk-based capital ratio | 12.0880% | 6,596 |
| Memoranda: | ||
| Average total assets | $92,133,500 | 5,236 |
| Average earning assets | $87,699,500 | 5,102 |
| Average equity | $6,911,500 | 5,951 |
| Average total loans | $62,089,000 | 4,901 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4959% | 2,304 |
| Cost of funding earning assets | 1.1570% | 4,809 |
| Net interest margin | 4.3389% | 1,684 |
| Noninterest income to average assets | 0.9909% | 1,531 |
| Noninterest expense to average assets | 3.1349% | 3,325 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.8810% | 352 |
| Return on assets (ROA) | 1.8810% | 374 |
| Pretax return on assets | 1.9632% | 524 |
| Return on Equity (ROE) | 23.1923% | 133 |
| Retained earnings to average equity (ytd only) | 3.1866% | 3,637 |
| Net charge-offs to loans | 0.0378% | 6,426 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 70.5833% | 347 |
| Efficiency ratio | 61.4912% | 5,811 |
| Assets per employee ($millions) | 3.3560% | 5,283 |
| Cash dividends to net income (ytd only)* | 86.2600% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 6,830 |
| Loan loss allowance to noncurrent loans | 3,786.6667% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 7,207 |
| Noncurrent loans to loans | 0.0227% | 7,084 |
| Net loans and leases to total assets | 72.2578% | 2,040 |
| Net loans and leases to deposits | 78.7158% | 3,385 |
| Net loans and leases to core deposits | 81.9175% | 3,919 |
| Total domestic deposits to total assets | 91.7959% | 325 |
| Equity capital to assets | 7.6214% | 6,802 |
| Core capital (leverage) ratio | 7.5643% | 6,650 |
| Tier 1 risk-based capital ratio | 11.0192% | 6,311 |
| Total risk-based capital ratio | 11.0192% | 7,062 |
| Memoranda: | ||
| Average total assets | $86,285,600 | 5,400 |
| Average earning assets | $81,679,000 | 5,286 |
| Average equity | $6,998,000 | 6,034 |
| Average total loans | $63,467,800 | 4,932 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6383% | 1,920 |
| Cost of funding earning assets | 1.2061% | 4,837 |
| Net interest margin | 4.4322% | 1,417 |
| Noninterest income to average assets | 0.9999% | 1,463 |
| Noninterest expense to average assets | 3.0593% | 3,539 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.0437% | 317 |
| Return on assets (ROA) | 2.0437% | 339 |
| Pretax return on assets | 2.1329% | 469 |
| Return on Equity (ROE) | 24.8012% | 123 |
| Retained earnings to average equity (ytd only) | 7.7100% | 1,511 |
| Net charge-offs to loans | 0.0488% | 6,034 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 59.2530% | 490 |
| Efficiency ratio | 58.9210% | 6,118 |
| Assets per employee ($millions) | 3.0703% | 5,986 |
| Cash dividends to net income (ytd only)* | 68.9127% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 6,591 |
| Loan loss allowance to noncurrent loans | 14,225.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 7,366 |
| Noncurrent loans to loans | 0.0066% | 7,256 |
| Net loans and leases to total assets | 69.3599% | 2,888 |
| Net loans and leases to deposits | 76.2916% | 4,129 |
| Net loans and leases to core deposits | 79.5677% | 4,578 |
| Total domestic deposits to total assets | 90.9142% | 479 |
| Equity capital to assets | 8.3472% | 6,458 |
| Core capital (leverage) ratio | 8.0035% | 6,336 |
| Tier 1 risk-based capital ratio | 11.9280% | 5,529 |
| Total risk-based capital ratio | 11.9280% | 6,638 |
| Memoranda: | ||
| Average total assets | $85,203,750 | 5,497 |
| Average earning assets | $80,590,250 | 5,383 |
| Average equity | $7,021,000 | 6,103 |
| Average total loans | $62,824,000 | 5,040 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6987% | 1,769 |
| Cost of funding earning assets | 1.2224% | 5,001 |
| Net interest margin | 4.4763% | 1,253 |
| Noninterest income to average assets | 0.5462% | 3,743 |
| Noninterest expense to average assets | 3.0795% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6269% | 683 |
| Return on assets (ROA) | 1.6269% | 735 |
| Pretax return on assets | 1.6999% | 1,056 |
| Return on Equity (ROE) | 19.8297% | 327 |
| Retained earnings to average equity (ytd only) | 5.4812% | 2,624 |
| Net charge-offs to loans | 0.0816% | 5,323 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 27.7692% | 967 |
| Efficiency ratio | 64.4335% | 5,251 |
| Assets per employee ($millions) | 3.0659% | 6,004 |
| Cash dividends to net income (ytd only)* | 72.3589% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 6,838 |
| Loan loss allowance to noncurrent loans | 2,460.8696% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 7,336 |
| Noncurrent loans to loans | 0.0355% | 7,229 |
| Net loans and leases to total assets | 74.7140% | 1,762 |
| Net loans and leases to deposits | 81.7880% | 3,301 |
| Net loans and leases to core deposits | 86.1030% | 3,812 |
| Total domestic deposits to total assets | 91.3508% | 370 |
| Equity capital to assets | 8.1145% | 6,638 |
| Core capital (leverage) ratio | 7.8703% | 6,419 |
| Tier 1 risk-based capital ratio | 11.2190% | 6,020 |
| Total risk-based capital ratio | 11.2190% | 7,024 |
| Memoranda: | ||
| Average total assets | $84,948,670 | 5,535 |
| Average earning assets | $80,334,670 | 5,425 |
| Average equity | $6,969,330 | 6,149 |
| Average total loans | $63,699,670 | 5,025 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6838% | 1,842 |
| Cost of funding earning assets | 1.2402% | 5,173 |
| Net interest margin | 4.4436% | 1,266 |
| Noninterest income to average assets | 0.5822% | 3,399 |
| Noninterest expense to average assets | 3.0627% | 3,424 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6379% | 701 |
| Return on assets (ROA) | 1.6379% | 748 |
| Pretax return on assets | 1.7089% | 1,046 |
| Return on Equity (ROE) | 19.8537% | 392 |
| Retained earnings to average equity (ytd only) | 19.8537% | 192 |
| Net charge-offs to loans | -0.0190% | 7,064 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1865% | 5,460 |
| Assets per employee ($millions) | 3.0241% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 6,635 |
| Loan loss allowance to noncurrent loans | 753.1646% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 7,252 |
| Noncurrent loans to loans | 0.1277% | 7,086 |
| Net loans and leases to total assets | 72.3445% | 2,375 |
| Net loans and leases to deposits | 79.3556% | 3,772 |
| Net loans and leases to core deposits | 83.4621% | 4,275 |
| Total domestic deposits to total assets | 91.1649% | 480 |
| Equity capital to assets | 8.3686% | 6,196 |
| Core capital (leverage) ratio | 8.2126% | 5,892 |
| Tier 1 risk-based capital ratio | 11.8194% | 5,376 |
| Total risk-based capital ratio | 11.8194% | 6,565 |
| Memoranda: | ||
| Average total assets | $84,500,000 | 5,615 |
| Average earning assets | $79,665,500 | 5,519 |
| Average equity | $6,971,000 | 6,200 |
| Average total loans | $63,197,000 | 5,130 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9778% | 1,952 |
| Cost of funding earning assets | 1.6715% | 4,662 |
| Net interest margin | 4.3063% | 1,699 |
| Noninterest income to average assets | 1.1060% | 1,255 |
| Noninterest expense to average assets | 3.3496% | 2,839 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.7515% | 398 |
| Return on assets (ROA) | 1.7515% | 420 |
| Pretax return on assets | 1.8295% | 594 |
| Return on Equity (ROE) | 20.2029% | 235 |
| Retained earnings to average equity (ytd only) | -0.8711% | 5,220 |
| Net charge-offs to loans | -0.0067% | 7,730 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6754% | 5,649 |
| Assets per employee ($millions) | 3.0116% | 6,199 |
| Cash dividends to net income (ytd only)* | 104.3115% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 6,740 |
| Loan loss allowance to noncurrent loans | 1,138.4615% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 7,345 |
| Noncurrent loans to loans | 0.0806% | 7,212 |
| Net loans and leases to total assets | 75.8366% | 1,847 |
| Net loans and leases to deposits | 84.5765% | 3,166 |
| Net loans and leases to core deposits | 94.0607% | 4,667 |
| Total domestic deposits to total assets | 89.6663% | 1,125 |
| Equity capital to assets | 8.1304% | 6,428 |
| Core capital (leverage) ratio | 8.0984% | 5,995 |
| Tier 1 risk-based capital ratio | 10.7000% | 6,206 |
| Total risk-based capital ratio | 11.6761% | 6,445 |
| Memoranda: | ||
| Average total assets | $82,099,600 | 5,663 |
| Average earning assets | $77,653,400 | 5,536 |
| Average equity | $7,117,800 | 6,229 |
| Average total loans | $59,292,400 | 5,282 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0436% | 1,862 |
| Cost of funding earning assets | 1.7570% | 4,605 |
| Net interest margin | 4.2866% | 1,763 |
| Noninterest income to average assets | 1.0988% | 1,318 |
| Noninterest expense to average assets | 3.1737% | 3,385 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9049% | 354 |
| Return on assets (ROA) | 1.9049% | 381 |
| Pretax return on assets | 1.9899% | 550 |
| Return on Equity (ROE) | 21.6238% | 220 |
| Retained earnings to average equity (ytd only) | 3.0625% | 3,609 |
| Net charge-offs to loans | -0.0023% | 7,594 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4630% | 6,202 |
| Assets per employee ($millions) | 2.8678% | 6,488 |
| Cash dividends to net income (ytd only)* | 85.8372% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 6,342 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 7,533 |
| Noncurrent loans to loans | 0.0320% | 7,433 |
| Net loans and leases to total assets | 73.1914% | 2,742 |
| Net loans and leases to deposits | 82.1033% | 4,002 |
| Net loans and leases to core deposits | 91.5594% | 5,273 |
| Total domestic deposits to total assets | 89.1456% | 1,131 |
| Equity capital to assets | 8.9453% | 5,566 |
| Core capital (leverage) ratio | 8.1871% | 6,039 |
| Tier 1 risk-based capital ratio | 11.7595% | 5,189 |
| Total risk-based capital ratio | 12.7906% | 5,341 |
| Memoranda: | ||
| Average total assets | $81,543,000 | 5,708 |
| Average earning assets | $77,324,750 | 5,584 |
| Average equity | $7,183,250 | 6,263 |
| Average total loans | $57,980,000 | 5,385 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0584% | 1,950 |
| Cost of funding earning assets | 1.7302% | 5,122 |
| Net interest margin | 4.3281% | 1,581 |
| Noninterest income to average assets | 0.6857% | 3,081 |
| Noninterest expense to average assets | 3.0601% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6545% | 615 |
| Return on assets (ROA) | 1.6545% | 675 |
| Pretax return on assets | 1.7277% | 971 |
| Return on Equity (ROE) | 18.8770% | 411 |
| Retained earnings to average equity (ytd only) | 2.1717% | 4,140 |
| Net charge-offs to loans | -0.0070% | 7,567 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9144% | 5,932 |
| Assets per employee ($millions) | 3.0730% | 5,937 |
| Cash dividends to net income (ytd only)* | 88.4956% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 6,505 |
| Loan loss allowance to noncurrent loans | 1,017.2414% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 7,410 |
| Noncurrent loans to loans | 0.0944% | 7,293 |
| Net loans and leases to total assets | 73.3726% | 2,867 |
| Net loans and leases to deposits | 84.8557% | 3,744 |
| Net loans and leases to core deposits | 93.9446% | 5,124 |
| Total domestic deposits to total assets | 86.4676% | 2,524 |
| Equity capital to assets | 8.5946% | 5,903 |
| Core capital (leverage) ratio | 8.0082% | 6,318 |
| Tier 1 risk-based capital ratio | 11.3734% | 5,529 |
| Total risk-based capital ratio | 12.3855% | 5,649 |
| Memoranda: | ||
| Average total assets | $81,957,670 | 5,732 |
| Average earning assets | $77,677,670 | 5,608 |
| Average equity | $7,183,330 | 6,308 |
| Average total loans | $57,519,670 | 5,444 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0610% | 2,103 |
| Cost of funding earning assets | 1.7793% | 5,214 |
| Net interest margin | 4.2817% | 1,643 |
| Noninterest income to average assets | 0.8398% | 2,126 |
| Noninterest expense to average assets | 3.0693% | 3,492 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7336% | 602 |
| Return on assets (ROA) | 1.7336% | 659 |
| Pretax return on assets | 1.8121% | 956 |
| Return on Equity (ROE) | 19.5853% | 451 |
| Retained earnings to average equity (ytd only) | 2.9406% | 4,235 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8773% | 5,899 |
| Assets per employee ($millions) | 2.9987% | 6,157 |
| Cash dividends to net income (ytd only)* | 84.9858% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 5,905 |
| Loan loss allowance to noncurrent loans | 2,177.7778% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 7,463 |
| Noncurrent loans to loans | 0.0475% | 7,405 |
| Net loans and leases to total assets | 69.5066% | 3,797 |
| Net loans and leases to deposits | 80.6189% | 4,516 |
| Net loans and leases to core deposits | 87.7996% | 5,761 |
| Total domestic deposits to total assets | 86.2163% | 2,606 |
| Equity capital to assets | 8.8359% | 5,566 |
| Core capital (leverage) ratio | 8.1802% | 6,143 |
| Tier 1 risk-based capital ratio | 12.0045% | 4,966 |
| Total risk-based capital ratio | 13.0732% | 5,013 |
| Memoranda: | ||
| Average total assets | $81,451,000 | 5,770 |
| Average earning assets | $76,885,000 | 5,660 |
| Average equity | $7,209,500 | 6,333 |
| Average total loans | $55,545,500 | 5,560 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4947% | 2,981 |
| Cost of funding earning assets | 2.3105% | 5,101 |
| Net interest margin | 4.1842% | 2,370 |
| Noninterest income to average assets | 1.3020% | 866 |
| Noninterest expense to average assets | 3.2698% | 3,075 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8655% | 469 |
| Return on assets (ROA) | 1.8655% | 453 |
| Pretax return on assets | 1.9499% | 694 |
| Return on Equity (ROE) | 20.8983% | 311 |
| Retained earnings to average equity (ytd only) | -0.5726% | 5,461 |
| Net charge-offs to loans | 0.0137% | 6,706 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 218 |
| Efficiency ratio | 62.6438% | 5,837 |
| Assets per employee ($millions) | 2.9263% | 6,229 |
| Cash dividends to net income (ytd only)* | 102.7397% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 5,383 |
| Loan loss allowance to noncurrent loans | 29,400.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 7,552 |
| Noncurrent loans to loans | 0.0037% | 7,550 |
| Net loans and leases to total assets | 65.4637% | 4,958 |
| Net loans and leases to deposits | 77.3755% | 5,424 |
| Net loans and leases to core deposits | 83.6750% | 6,321 |
| Total domestic deposits to total assets | 84.6052% | 3,023 |
| Equity capital to assets | 8.8666% | 5,541 |
| Core capital (leverage) ratio | 8.2976% | 5,955 |
| Tier 1 risk-based capital ratio | 12.3536% | 4,549 |
| Total risk-based capital ratio | 13.4623% | 4,547 |
| Memoranda: | ||
| Average total assets | $78,261,600 | 5,760 |
| Average earning assets | $73,275,600 | 5,696 |
| Average equity | $6,986,200 | 6,459 |
| Average total loans | $50,925,000 | 5,664 |