Home > PALMYRA STATE BANK > Performance and Condition Ratios
PALMYRA STATE BANK, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3267% | 6,044 |
| Cost of funding earning assets | 0.2351% | 4,950 |
| Net interest margin | 2.0916% | 6,028 |
| Noninterest income to average assets | 0.3248% | 4,573 |
| Noninterest expense to average assets | 1.9537% | 5,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3827% | 5,100 |
| Return on assets (ROA) | 0.3827% | 5,189 |
| Pretax return on assets | 0.3424% | 5,434 |
| Return on Equity (ROE) | 2.1615% | 5,532 |
| Retained earnings to average equity (ytd only) | 0.7395% | 5,221 |
| Net charge-offs to loans | 0.0306% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,328 |
| Efficiency ratio | 85.0877% | 1,081 |
| Assets per employee ($millions) | 3.9375% | 4,051 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 3,028 |
| Loan loss allowance to noncurrent loans | 112.0000% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 4,068 |
| Noncurrent loans to loans | 1.1396% | 2,063 |
| Net loans and leases to total assets | 33.0032% | 5,808 |
| Net loans and leases to deposits | 40.5397% | 5,757 |
| Net loans and leases to core deposits | 41.5109% | 5,780 |
| Total domestic deposits to total assets | 81.4095% | 4,364 |
| Equity capital to assets | 17.8870% | 324 |
| Core capital (leverage) ratio | 18.2954% | 274 |
| Tier 1 risk-based capital ratio | 35.8113% | 318 |
| Total risk-based capital ratio | 36.6655% | 323 |
| Memoranda: | ||
| Average total assets | $39,718,800 | 5,771 |
| Average earning assets | $37,434,600 | 5,741 |
| Average equity | $7,032,000 | 5,235 |
| Average total loans | $13,054,800 | 5,951 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2851% | 6,146 |
| Cost of funding earning assets | 0.2377% | 5,015 |
| Net interest margin | 2.0473% | 6,125 |
| Noninterest income to average assets | 0.3316% | 4,570 |
| Noninterest expense to average assets | 1.9863% | 5,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2512% | 5,574 |
| Return on assets (ROA) | 0.2512% | 5,650 |
| Pretax return on assets | 0.2780% | 5,674 |
| Return on Equity (ROE) | 1.4226% | 5,791 |
| Retained earnings to average equity (ytd only) | 1.4226% | 5,147 |
| Net charge-offs to loans | 0.0409% | 3,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.7617% | 1,854 |
| Efficiency ratio | 87.7219% | 871 |
| Assets per employee ($millions) | 3.9074% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 3,594 |
| Loan loss allowance to noncurrent loans | 112.0000% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 4,225 |
| Noncurrent loans to loans | 1.0798% | 2,327 |
| Net loans and leases to total assets | 35.1231% | 5,812 |
| Net loans and leases to deposits | 43.3029% | 5,750 |
| Net loans and leases to core deposits | 44.3525% | 5,783 |
| Total domestic deposits to total assets | 81.1102% | 4,446 |
| Equity capital to assets | 18.0836% | 334 |
| Core capital (leverage) ratio | 18.3532% | 280 |
| Tier 1 risk-based capital ratio | 34.4381% | 364 |
| Total risk-based capital ratio | 35.2568% | 376 |
| Memoranda: | ||
| Average total assets | $39,804,750 | 5,841 |
| Average earning assets | $37,576,250 | 5,813 |
| Average equity | $7,029,250 | 5,305 |
| Average total loans | $13,027,750 | 6,029 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2581% | 6,227 |
| Cost of funding earning assets | 0.2385% | 5,071 |
| Net interest margin | 2.0196% | 6,207 |
| Noninterest income to average assets | 0.3146% | 4,702 |
| Noninterest expense to average assets | 1.9227% | 5,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2597% | 5,549 |
| Return on assets (ROA) | 0.2597% | 5,635 |
| Pretax return on assets | 0.2946% | 5,670 |
| Return on Equity (ROE) | 1.4821% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.4821% | 4,959 |
| Net charge-offs to loans | 0.0785% | 2,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.8000% | 2,256 |
| Efficiency ratio | 86.7117% | 999 |
| Assets per employee ($millions) | 3.8403% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 3,551 |
| Loan loss allowance to noncurrent loans | 111.3333% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 4,338 |
| Noncurrent loans to loans | 1.1156% | 2,419 |
| Net loans and leases to total assets | 34.5780% | 5,881 |
| Net loans and leases to deposits | 42.7266% | 5,812 |
| Net loans and leases to core deposits | 43.7832% | 5,838 |
| Total domestic deposits to total assets | 80.9286% | 4,633 |
| Equity capital to assets | 18.3397% | 305 |
| Core capital (leverage) ratio | 17.3610% | 342 |
| Tier 1 risk-based capital ratio | 36.3416% | 327 |
| Total risk-based capital ratio | 37.2033% | 337 |
| Memoranda: | ||
| Average total assets | $40,048,330 | 5,900 |
| Average earning assets | $37,731,000 | 5,870 |
| Average equity | $7,017,000 | 5,356 |
| Average total loans | $12,739,670 | 6,104 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1643% | 6,316 |
| Cost of funding earning assets | 0.2393% | 5,134 |
| Net interest margin | 1.9250% | 6,293 |
| Noninterest income to average assets | 0.3132% | 4,690 |
| Noninterest expense to average assets | 1.8497% | 5,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2545% | 5,552 |
| Return on assets (ROA) | 0.2545% | 5,644 |
| Pretax return on assets | 0.2740% | 5,705 |
| Return on Equity (ROE) | 1.4849% | 5,811 |
| Retained earnings to average equity (ytd only) | 1.4849% | 4,894 |
| Net charge-offs to loans | 0.1615% | 1,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.6000% | 2,373 |
| Efficiency ratio | 87.0968% | 1,086 |
| Assets per employee ($millions) | 4.1454% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 3,021 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 28.8102% | 6,114 |
| Net loans and leases to deposits | 34.9476% | 6,096 |
| Net loans and leases to core deposits | 35.7318% | 6,110 |
| Total domestic deposits to total assets | 82.4384% | 4,372 |
| Equity capital to assets | 16.9272% | 435 |
| Core capital (leverage) ratio | 16.7594% | 383 |
| Tier 1 risk-based capital ratio | 36.6289% | 318 |
| Total risk-based capital ratio | 37.5007% | 324 |
| Memoranda: | ||
| Average total assets | $40,871,000 | 5,942 |
| Average earning assets | $38,442,500 | 5,908 |
| Average equity | $7,004,000 | 5,402 |
| Average total loans | $12,386,500 | 6,166 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2916% | 6,382 |
| Cost of funding earning assets | 0.2593% | 5,229 |
| Net interest margin | 2.0323% | 6,360 |
| Noninterest income to average assets | 0.3212% | 4,823 |
| Noninterest expense to average assets | 1.8996% | 5,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3087% | 5,494 |
| Return on assets (ROA) | 0.3087% | 5,568 |
| Pretax return on assets | 0.3336% | 5,636 |
| Return on Equity (ROE) | 1.7511% | 5,835 |
| Retained earnings to average equity (ytd only) | 0.3389% | 5,623 |
| Net charge-offs to loans | 0.2737% | 1,583 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.8286% | 3,802 |
| Efficiency ratio | 85.0613% | 1,272 |
| Assets per employee ($millions) | 4.0288% | 3,888 |
| Cash dividends to net income (ytd only)* | 80.6452% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 3,141 |
| Loan loss allowance to noncurrent loans | 4,300.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 6,030 |
| Noncurrent loans to loans | 0.0316% | 5,761 |
| Net loans and leases to total assets | 31.0043% | 6,146 |
| Net loans and leases to deposits | 37.7908% | 6,113 |
| Net loans and leases to core deposits | 38.9759% | 6,125 |
| Total domestic deposits to total assets | 82.0418% | 4,407 |
| Equity capital to assets | 17.5362% | 357 |
| Core capital (leverage) ratio | 18.2610% | 277 |
| Tier 1 risk-based capital ratio | 37.3651% | 273 |
| Total risk-based capital ratio | 38.2748% | 276 |
| Memoranda: | ||
| Average total assets | $40,166,000 | 6,032 |
| Average earning assets | $37,790,000 | 5,992 |
| Average equity | $7,081,200 | 5,396 |
| Average total loans | $12,790,000 | 6,237 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3001% | 6,459 |
| Cost of funding earning assets | 0.2610% | 5,294 |
| Net interest margin | 2.0391% | 6,438 |
| Noninterest income to average assets | 0.3222% | 4,859 |
| Noninterest expense to average assets | 1.9334% | 5,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2857% | 5,637 |
| Return on assets (ROA) | 0.2857% | 5,704 |
| Pretax return on assets | 0.3089% | 5,758 |
| Return on Equity (ROE) | 1.6183% | 5,917 |
| Retained earnings to average equity (ytd only) | 1.6183% | 5,236 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2222% | 1,163 |
| Assets per employee ($millions) | 3.8758% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 2,013 |
| Loan loss allowance to noncurrent loans | 272.3684% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 4,363 |
| Noncurrent loans to loans | 0.6192% | 4,070 |
| Net loans and leases to total assets | 31.1342% | 6,219 |
| Net loans and leases to deposits | 38.4336% | 6,169 |
| Net loans and leases to core deposits | 40.3687% | 6,167 |
| Total domestic deposits to total assets | 81.0078% | 4,822 |
| Equity capital to assets | 18.3885% | 312 |
| Core capital (leverage) ratio | 18.3970% | 277 |
| Tier 1 risk-based capital ratio | 38.9517% | 259 |
| Total risk-based capital ratio | 40.0831% | 257 |
| Memoranda: | ||
| Average total assets | $40,135,500 | 6,109 |
| Average earning assets | $37,793,750 | 6,063 |
| Average equity | $7,085,250 | 5,445 |
| Average total loans | $12,821,750 | 6,307 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3129% | 6,525 |
| Cost of funding earning assets | 0.2669% | 5,320 |
| Net interest margin | 2.0460% | 6,509 |
| Noninterest income to average assets | 0.3202% | 4,854 |
| Noninterest expense to average assets | 1.9116% | 5,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3104% | 5,533 |
| Return on assets (ROA) | 0.3104% | 5,606 |
| Pretax return on assets | 0.3350% | 5,713 |
| Return on Equity (ROE) | 1.7818% | 5,894 |
| Retained earnings to average equity (ytd only) | 1.7818% | 5,003 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0877% | 1,369 |
| Assets per employee ($millions) | 3.9072% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 2,251 |
| Loan loss allowance to noncurrent loans | 115.0000% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 4,613 |
| Noncurrent loans to loans | 1.4471% | 2,387 |
| Net loans and leases to total assets | 31.3063% | 6,265 |
| Net loans and leases to deposits | 38.5175% | 6,208 |
| Net loans and leases to core deposits | 39.7763% | 6,230 |
| Total domestic deposits to total assets | 81.2782% | 4,883 |
| Equity capital to assets | 18.1818% | 319 |
| Core capital (leverage) ratio | 17.4327% | 331 |
| Tier 1 risk-based capital ratio | 38.6150% | 269 |
| Total risk-based capital ratio | 39.7402% | 270 |
| Memoranda: | ||
| Average total assets | $40,594,670 | 6,153 |
| Average earning assets | $38,220,330 | 6,099 |
| Average equity | $7,071,330 | 5,472 |
| Average total loans | $13,004,330 | 6,356 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2546% | 6,610 |
| Cost of funding earning assets | 0.2664% | 5,427 |
| Net interest margin | 1.9881% | 6,589 |
| Noninterest income to average assets | 0.3095% | 4,890 |
| Noninterest expense to average assets | 1.8957% | 6,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2708% | 5,594 |
| Return on assets (ROA) | 0.2708% | 5,640 |
| Pretax return on assets | 0.2902% | 5,740 |
| Return on Equity (ROE) | 1.5875% | 5,905 |
| Retained earnings to average equity (ytd only) | 1.5875% | 4,978 |
| Net charge-offs to loans | 0.2408% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 2,635 |
| Efficiency ratio | 86.7257% | 1,368 |
| Assets per employee ($millions) | 4.2669% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 3,110 |
| Loan loss allowance to noncurrent loans | 145.2555% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 5,185 |
| Noncurrent loans to loans | 1.0384% | 3,347 |
| Net loans and leases to total assets | 30.4554% | 6,336 |
| Net loans and leases to deposits | 36.7049% | 6,291 |
| Net loans and leases to core deposits | 37.7762% | 6,318 |
| Total domestic deposits to total assets | 82.9736% | 4,612 |
| Equity capital to assets | 16.5671% | 450 |
| Core capital (leverage) ratio | 16.5799% | 407 |
| Tier 1 risk-based capital ratio | 35.6049% | 332 |
| Total risk-based capital ratio | 36.6072% | 337 |
| Memoranda: | ||
| Average total assets | $41,356,000 | 6,184 |
| Average earning assets | $39,032,000 | 6,130 |
| Average equity | $7,055,000 | 5,500 |
| Average total loans | $13,287,000 | 6,409 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4670% | 6,627 |
| Cost of funding earning assets | 0.3186% | 5,436 |
| Net interest margin | 2.1484% | 6,599 |
| Noninterest income to average assets | 0.3801% | 4,595 |
| Noninterest expense to average assets | 1.9030% | 6,188 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4472% | 4,966 |
| Return on assets (ROA) | 0.4472% | 5,093 |
| Pretax return on assets | 0.5043% | 5,197 |
| Return on Equity (ROE) | 2.5533% | 5,660 |
| Retained earnings to average equity (ytd only) | 0.8511% | 5,456 |
| Net charge-offs to loans | 0.0557% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 25.3750% | 1,334 |
| Efficiency ratio | 79.0506% | 2,310 |
| Assets per employee ($millions) | 4.0043% | 3,854 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 2,972 |
| Loan loss allowance to noncurrent loans | 230.0000% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 5,607 |
| Noncurrent loans to loans | 0.6726% | 4,295 |
| Net loans and leases to total assets | 32.8971% | 6,346 |
| Net loans and leases to deposits | 40.1310% | 6,296 |
| Net loans and leases to core deposits | 41.7197% | 6,314 |
| Total domestic deposits to total assets | 81.9744% | 4,886 |
| Equity capital to assets | 17.5836% | 346 |
| Core capital (leverage) ratio | 18.3833% | 279 |
| Tier 1 risk-based capital ratio | 36.0209% | 297 |
| Total risk-based capital ratio | 37.0799% | 296 |
| Memoranda: | ||
| Average total assets | $40,251,200 | 6,281 |
| Average earning assets | $37,981,400 | 6,220 |
| Average equity | $7,049,600 | 5,552 |
| Average total loans | $14,358,600 | 6,442 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4867% | 6,698 |
| Cost of funding earning assets | 0.3292% | 5,473 |
| Net interest margin | 2.1575% | 6,670 |
| Noninterest income to average assets | 0.3771% | 4,693 |
| Noninterest expense to average assets | 1.9320% | 6,135 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4367% | 5,083 |
| Return on assets (ROA) | 0.4367% | 5,233 |
| Pretax return on assets | 0.4830% | 5,405 |
| Return on Equity (ROE) | 2.4958% | 5,787 |
| Retained earnings to average equity (ytd only) | 2.4958% | 4,826 |
| Net charge-offs to loans | 0.0731% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 18.2437% | 1,694 |
| Efficiency ratio | 80.0000% | 2,102 |
| Assets per employee ($millions) | 3.8203% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 3,395 |
| Loan loss allowance to noncurrent loans | 272.3684% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 5,838 |
| Noncurrent loans to loans | 0.5563% | 4,807 |
| Net loans and leases to total assets | 35.2197% | 6,315 |
| Net loans and leases to deposits | 43.5917% | 6,226 |
| Net loans and leases to core deposits | 44.6772% | 6,263 |
| Total domestic deposits to total assets | 80.7947% | 5,269 |
| Equity capital to assets | 18.6190% | 283 |
| Core capital (leverage) ratio | 18.6243% | 251 |
| Tier 1 risk-based capital ratio | 36.3818% | 300 |
| Total risk-based capital ratio | 37.4405% | 299 |
| Memoranda: | ||
| Average total assets | $40,303,250 | 6,351 |
| Average earning assets | $38,068,250 | 6,296 |
| Average equity | $7,051,750 | 5,621 |
| Average total loans | $14,603,250 | 6,501 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4846% | 6,739 |
| Cost of funding earning assets | 0.3409% | 5,486 |
| Net interest margin | 2.1437% | 6,715 |
| Noninterest income to average assets | 0.3658% | 4,780 |
| Noninterest expense to average assets | 1.8925% | 6,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4487% | 5,017 |
| Return on assets (ROA) | 0.4487% | 5,189 |
| Pretax return on assets | 0.4975% | 5,388 |
| Return on Equity (ROE) | 2.6169% | 5,751 |
| Retained earnings to average equity (ytd only) | 2.6169% | 4,646 |
| Net charge-offs to loans | 0.1073% | 3,284 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 1,955 |
| Efficiency ratio | 79.1837% | 2,274 |
| Assets per employee ($millions) | 3.8802% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 3,652 |
| Loan loss allowance to noncurrent loans | 197.1429% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 5,681 |
| Noncurrent loans to loans | 0.7531% | 4,418 |
| Net loans and leases to total assets | 35.4002% | 6,338 |
| Net loans and leases to deposits | 43.5635% | 6,251 |
| Net loans and leases to core deposits | 44.6249% | 6,303 |
| Total domestic deposits to total assets | 81.2613% | 5,274 |
| Equity capital to assets | 18.2284% | 311 |
| Core capital (leverage) ratio | 17.5583% | 318 |
| Tier 1 risk-based capital ratio | 35.1314% | 334 |
| Total risk-based capital ratio | 36.1595% | 334 |
| Memoranda: | ||
| Average total assets | $41,003,330 | 6,378 |
| Average earning assets | $38,718,670 | 6,324 |
| Average equity | $7,031,330 | 5,675 |
| Average total loans | $14,917,000 | 6,522 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5972% | 6,781 |
| Cost of funding earning assets | 0.3423% | 5,621 |
| Net interest margin | 2.2549% | 6,722 |
| Noninterest income to average assets | 0.3610% | 4,778 |
| Noninterest expense to average assets | 1.8241% | 6,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5605% | 4,411 |
| Return on assets (ROA) | 0.5605% | 4,567 |
| Pretax return on assets | 0.6650% | 4,726 |
| Return on Equity (ROE) | 3.3664% | 5,406 |
| Retained earnings to average equity (ytd only) | 3.3664% | 4,234 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2824% | 3,398 |
| Assets per employee ($millions) | 4.1382% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 3,697 |
| Loan loss allowance to noncurrent loans | 565.7895% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 6,314 |
| Noncurrent loans to loans | 0.2706% | 5,728 |
| Net loans and leases to total assets | 33.4155% | 6,445 |
| Net loans and leases to deposits | 40.4955% | 6,397 |
| Net loans and leases to core deposits | 42.0342% | 6,402 |
| Total domestic deposits to total assets | 82.5166% | 5,025 |
| Equity capital to assets | 17.0122% | 423 |
| Core capital (leverage) ratio | 16.9410% | 360 |
| Tier 1 risk-based capital ratio | 33.7585% | 384 |
| Total risk-based capital ratio | 34.7895% | 389 |
| Memoranda: | ||
| Average total assets | $42,104,000 | 6,399 |
| Average earning assets | $39,735,000 | 6,345 |
| Average equity | $7,010,500 | 5,740 |
| Average total loans | $15,404,000 | 6,561 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9437% | 6,801 |
| Cost of funding earning assets | 0.4404% | 5,650 |
| Net interest margin | 2.5033% | 6,712 |
| Noninterest income to average assets | 0.4010% | 4,604 |
| Noninterest expense to average assets | 2.0425% | 6,248 |
| Loan and lease loss provision to assets | 0.0199% | 5,654 |
| Net operating income to assets | 0.6053% | 4,216 |
| Return on assets (ROA) | 0.6053% | 4,478 |
| Pretax return on assets | 0.6750% | 4,744 |
| Return on Equity (ROE) | 3.4956% | 5,351 |
| Retained earnings to average equity (ytd only) | 1.7694% | 4,968 |
| Net charge-offs to loans | 0.0420% | 5,333 |
| Credit loss provision to net charge-offs | 114.2857% | 2,542 |
| Earnings coverage of net charge-offs (x) | 39.8571% | 806 |
| Efficiency ratio | 74.6133% | 2,969 |
| Assets per employee ($millions) | 4.2826% | 3,393 |
| Cash dividends to net income (ytd only)* | 49.3827% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 4,727 |
| Loan loss allowance to noncurrent loans | 202.8302% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 5,929 |
| Noncurrent loans to loans | 0.6323% | 4,943 |
| Net loans and leases to total assets | 38.6447% | 6,258 |
| Net loans and leases to deposits | 46.4327% | 6,224 |
| Net loans and leases to core deposits | 48.4797% | 6,237 |
| Total domestic deposits to total assets | 83.2275% | 4,629 |
| Equity capital to assets | 16.3008% | 499 |
| Core capital (leverage) ratio | 17.7241% | 300 |
| Tier 1 risk-based capital ratio | 33.0508% | 402 |
| Total risk-based capital ratio | 34.0687% | 397 |
| Memoranda: | ||
| Average total assets | $40,146,000 | 6,498 |
| Average earning assets | $37,469,800 | 6,455 |
| Average equity | $6,951,600 | 5,779 |
| Average total loans | $16,680,400 | 6,566 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0206% | 6,895 |
| Cost of funding earning assets | 0.4641% | 5,687 |
| Net interest margin | 2.5565% | 6,787 |
| Noninterest income to average assets | 0.4120% | 4,540 |
| Noninterest expense to average assets | 2.1413% | 6,081 |
| Loan and lease loss provision to assets | 0.0169% | 5,594 |
| Net operating income to assets | 0.5573% | 4,588 |
| Return on assets (ROA) | 0.5573% | 4,845 |
| Pretax return on assets | 0.6350% | 5,065 |
| Return on Equity (ROE) | 3.1679% | 5,618 |
| Retained earnings to average equity (ytd only) | 3.1679% | 4,643 |
| Net charge-offs to loans | 0.0400% | 5,088 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 38.5802% | 906 |
| Efficiency ratio | 76.6626% | 2,572 |
| Assets per employee ($millions) | 3.8629% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 4,892 |
| Loan loss allowance to noncurrent loans | 85.9438% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 5,058 |
| Noncurrent loans to loans | 1.4920% | 3,547 |
| Net loans and leases to total assets | 42.6493% | 6,074 |
| Net loans and leases to deposits | 52.4815% | 5,945 |
| Net loans and leases to core deposits | 54.2155% | 6,035 |
| Total domestic deposits to total assets | 81.2654% | 5,275 |
| Equity capital to assets | 18.1806% | 346 |
| Core capital (leverage) ratio | 18.2141% | 288 |
| Tier 1 risk-based capital ratio | 34.8190% | 364 |
| Total risk-based capital ratio | 35.8800% | 363 |
| Memoranda: | ||
| Average total assets | $39,476,000 | 6,599 |
| Average earning assets | $36,768,750 | 6,553 |
| Average equity | $6,944,250 | 5,848 |
| Average total loans | $16,659,250 | 6,653 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0997% | 6,932 |
| Cost of funding earning assets | 0.4831% | 5,736 |
| Net interest margin | 2.6165% | 6,806 |
| Noninterest income to average assets | 0.4125% | 4,561 |
| Noninterest expense to average assets | 2.1228% | 6,191 |
| Loan and lease loss provision to assets | 0.0101% | 5,534 |
| Net operating income to assets | 0.6036% | 4,355 |
| Return on assets (ROA) | 0.6036% | 4,605 |
| Pretax return on assets | 0.7043% | 4,821 |
| Return on Equity (ROE) | 3.4692% | 5,499 |
| Retained earnings to average equity (ytd only) | 3.4692% | 4,288 |
| Net charge-offs to loans | 0.0360% | 4,878 |
| Credit loss provision to net charge-offs | 66.6667% | 3,644 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 765 |
| Efficiency ratio | 74.8227% | 2,933 |
| Assets per employee ($millions) | 3.8432% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 4,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 41.7308% | 6,203 |
| Net loans and leases to deposits | 51.2839% | 6,076 |
| Net loans and leases to core deposits | 52.9849% | 6,163 |
| Total domestic deposits to total assets | 81.3723% | 5,340 |
| Equity capital to assets | 18.1567% | 329 |
| Core capital (leverage) ratio | 17.5977% | 315 |
| Tier 1 risk-based capital ratio | 34.2260% | 367 |
| Total risk-based capital ratio | 35.2707% | 369 |
| Memoranda: | ||
| Average total assets | $39,758,330 | 6,638 |
| Average earning assets | $36,842,670 | 6,593 |
| Average equity | $6,918,000 | 5,873 |
| Average total loans | $16,649,330 | 6,707 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0946% | 7,004 |
| Cost of funding earning assets | 0.4926% | 5,863 |
| Net interest margin | 2.6020% | 6,872 |
| Noninterest income to average assets | 0.3859% | 4,780 |
| Noninterest expense to average assets | 2.1078% | 6,256 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5937% | 4,372 |
| Return on assets (ROA) | 0.5937% | 4,589 |
| Pretax return on assets | 0.6828% | 4,850 |
| Return on Equity (ROE) | 3.4843% | 5,516 |
| Retained earnings to average equity (ytd only) | 3.4843% | 4,487 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5319% | 2,849 |
| Assets per employee ($millions) | 4.1008% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 5,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 40.3238% | 6,323 |
| Net loans and leases to deposits | 48.7356% | 6,248 |
| Net loans and leases to core deposits | 50.2217% | 6,324 |
| Total domestic deposits to total assets | 82.7400% | 5,034 |
| Equity capital to assets | 16.8699% | 447 |
| Core capital (leverage) ratio | 16.7599% | 380 |
| Tier 1 risk-based capital ratio | 32.2668% | 424 |
| Total risk-based capital ratio | 33.2649% | 425 |
| Memoranda: | ||
| Average total assets | $40,421,500 | 6,670 |
| Average earning assets | $37,355,500 | 6,628 |
| Average equity | $6,888,000 | 5,905 |
| Average total loans | $16,848,500 | 6,756 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 6,907 |
| Cost of funding earning assets | 0.6370% | 5,887 |
| Net interest margin | 3.0022% | 6,529 |
| Noninterest income to average assets | 0.4341% | 4,340 |
| Noninterest expense to average assets | 2.2655% | 6,135 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7834% | 3,121 |
| Return on assets (ROA) | 0.7834% | 3,283 |
| Pretax return on assets | 0.9530% | 3,419 |
| Return on Equity (ROE) | 4.4879% | 4,632 |
| Retained earnings to average equity (ytd only) | 2.7222% | 4,298 |
| Net charge-offs to loans | 0.0052% | 6,358 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 371.0000% | 93 |
| Efficiency ratio | 70.3911% | 3,867 |
| Assets per employee ($millions) | 3.9835% | 3,896 |
| Cash dividends to net income (ytd only)* | 39.3443% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 5,104 |
| 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 | 42.0058% | 6,389 |
| Net loans and leases to deposits | 51.0308% | 6,287 |
| Net loans and leases to core deposits | 52.6410% | 6,394 |
| Total domestic deposits to total assets | 82.3145% | 5,022 |
| Equity capital to assets | 17.2160% | 425 |
| Core capital (leverage) ratio | 17.9388% | 300 |
| Tier 1 risk-based capital ratio | 30.7824% | 478 |
| Total risk-based capital ratio | 31.7429% | 489 |
| Memoranda: | ||
| Average total assets | $38,931,600 | 6,707 |
| Average earning assets | $36,107,000 | 6,674 |
| Average equity | $6,796,000 | 5,922 |
| Average total loans | $19,280,800 | 6,693 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7586% | 6,881 |
| Cost of funding earning assets | 0.6609% | 5,977 |
| Net interest margin | 3.0977% | 6,385 |
| Noninterest income to average assets | 0.4306% | 4,430 |
| Noninterest expense to average assets | 2.4457% | 5,643 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6752% | 3,742 |
| Return on assets (ROA) | 0.6752% | 3,920 |
| Pretax return on assets | 0.8750% | 3,861 |
| Return on Equity (ROE) | 3.8541% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.8541% | 3,983 |
| Net charge-offs to loans | 0.0067% | 6,074 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 254.6316% | 158 |
| Efficiency ratio | 73.6515% | 3,248 |
| Assets per employee ($millions) | 4.2340% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 5,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 48.7272% | 5,869 |
| Net loans and leases to deposits | 59.8196% | 5,652 |
| Net loans and leases to core deposits | 61.8150% | 5,830 |
| Total domestic deposits to total assets | 81.4570% | 5,271 |
| Equity capital to assets | 18.0260% | 387 |
| Core capital (leverage) ratio | 17.8964% | 331 |
| Tier 1 risk-based capital ratio | 29.1393% | 590 |
| Total risk-based capital ratio | 30.0471% | 594 |
| Memoranda: | ||
| Average total assets | $38,705,750 | 6,770 |
| Average earning assets | $36,112,250 | 6,733 |
| Average equity | $6,780,500 | 5,973 |
| Average total loans | $19,864,250 | 6,730 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8448% | 6,871 |
| Cost of funding earning assets | 0.6840% | 6,048 |
| Net interest margin | 3.1608% | 6,262 |
| Noninterest income to average assets | 0.4267% | 4,454 |
| Noninterest expense to average assets | 2.3493% | 5,999 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7968% | 3,097 |
| Return on assets (ROA) | 0.7968% | 3,219 |
| Pretax return on assets | 1.0230% | 3,147 |
| Return on Equity (ROE) | 4.5919% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.5919% | 3,265 |
| Net charge-offs to loans | 0.0099% | 5,714 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 187 |
| Efficiency ratio | 69.6646% | 4,177 |
| Assets per employee ($millions) | 3.8466% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 6,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 50.7929% | 5,719 |
| Net loans and leases to deposits | 62.0904% | 5,491 |
| Net loans and leases to core deposits | 64.1305% | 5,711 |
| Total domestic deposits to total assets | 81.8047% | 5,233 |
| Equity capital to assets | 17.7507% | 405 |
| Core capital (leverage) ratio | 17.4518% | 370 |
| Tier 1 risk-based capital ratio | 27.7979% | 675 |
| Total risk-based capital ratio | 28.6691% | 689 |
| Memoranda: | ||
| Average total assets | $38,905,670 | 6,826 |
| Average earning assets | $36,257,000 | 6,789 |
| Average equity | $6,751,000 | 6,006 |
| Average total loans | $20,225,000 | 6,770 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 6,847 |
| Cost of funding earning assets | 0.7016% | 6,126 |
| Net interest margin | 3.1790% | 6,134 |
| Noninterest income to average assets | 0.4396% | 4,366 |
| Noninterest expense to average assets | 2.3719% | 5,973 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8077% | 2,990 |
| Return on assets (ROA) | 0.8077% | 3,055 |
| Pretax return on assets | 1.0326% | 3,010 |
| Return on Equity (ROE) | 4.7076% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.7076% | 3,374 |
| Net charge-offs to loans | 0.0195% | 4,803 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 314 |
| Efficiency ratio | 69.6697% | 4,342 |
| Assets per employee ($millions) | 4.0009% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 6,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 49.8238% | 5,869 |
| Net loans and leases to deposits | 60.2272% | 5,710 |
| Net loans and leases to core deposits | 61.6236% | 5,960 |
| Total domestic deposits to total assets | 82.7264% | 5,019 |
| Equity capital to assets | 16.8762% | 456 |
| Core capital (leverage) ratio | 17.1680% | 386 |
| Tier 1 risk-based capital ratio | 25.8232% | 803 |
| Total risk-based capital ratio | 26.6417% | 819 |
| Memoranda: | ||
| Average total assets | $39,125,500 | 6,863 |
| Average earning assets | $36,489,500 | 6,828 |
| Average equity | $6,712,500 | 6,019 |
| Average total loans | $20,461,500 | 6,812 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 6,788 |
| Cost of funding earning assets | 0.9090% | 6,139 |
| Net interest margin | 3.3944% | 5,656 |
| Noninterest income to average assets | 0.4807% | 4,310 |
| Noninterest expense to average assets | 2.2271% | 6,548 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0228% | 1,956 |
| Return on assets (ROA) | 1.0228% | 2,069 |
| Pretax return on assets | 1.4046% | 1,656 |
| Return on Equity (ROE) | 5.8324% | 3,681 |
| Retained earnings to average equity (ytd only) | 4.0050% | 3,062 |
| Net charge-offs to loans | -0.0050% | 7,266 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3235% | 5,843 |
| Assets per employee ($millions) | 3.8242% | 4,196 |
| Cash dividends to net income (ytd only)* | 31.3316% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 6,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 53.7629% | 5,662 |
| Net loans and leases to deposits | 65.3591% | 5,471 |
| Net loans and leases to core deposits | 68.6523% | 5,591 |
| Total domestic deposits to total assets | 82.2577% | 5,104 |
| Equity capital to assets | 17.4494% | 410 |
| Core capital (leverage) ratio | 17.8260% | 338 |
| Tier 1 risk-based capital ratio | 26.7251% | 684 |
| Total risk-based capital ratio | 27.5862% | 710 |
| Memoranda: | ||
| Average total assets | $37,448,000 | 6,956 |
| Average earning assets | $34,763,600 | 6,922 |
| Average equity | $6,566,800 | 6,179 |
| Average total loans | $19,928,600 | 6,928 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3522% | 6,890 |
| Cost of funding earning assets | 0.9453% | 6,197 |
| Net interest margin | 3.4069% | 5,651 |
| Noninterest income to average assets | 0.4796% | 4,333 |
| Noninterest expense to average assets | 2.3015% | 6,326 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9485% | 2,421 |
| Return on assets (ROA) | 0.9485% | 2,551 |
| Pretax return on assets | 1.3387% | 2,070 |
| Return on Equity (ROE) | 5.4022% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.4022% | 2,707 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2252% | 5,398 |
| Assets per employee ($millions) | 4.1499% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 6,116 |
| Loan loss allowance to noncurrent loans | 2,377.7778% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 7,299 |
| Noncurrent loans to loans | 0.0446% | 7,134 |
| Net loans and leases to total assets | 53.4740% | 5,924 |
| Net loans and leases to deposits | 65.4970% | 5,718 |
| Net loans and leases to core deposits | 67.7224% | 5,972 |
| Total domestic deposits to total assets | 81.6434% | 5,148 |
| Equity capital to assets | 17.8720% | 422 |
| Core capital (leverage) ratio | 18.0948% | 344 |
| Tier 1 risk-based capital ratio | 27.0385% | 692 |
| Total risk-based capital ratio | 27.9054% | 701 |
| Memoranda: | ||
| Average total assets | $37,249,500 | 7,041 |
| Average earning assets | $34,556,000 | 7,009 |
| Average equity | $6,540,250 | 6,266 |
| Average total loans | $19,717,000 | 7,032 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 6,994 |
| Cost of funding earning assets | 0.9732% | 6,269 |
| Net interest margin | 3.3598% | 5,798 |
| Noninterest income to average assets | 0.4622% | 4,420 |
| Noninterest expense to average assets | 2.2732% | 6,427 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9136% | 2,502 |
| Return on assets (ROA) | 0.9136% | 2,606 |
| Pretax return on assets | 1.3059% | 2,066 |
| Return on Equity (ROE) | 5.2345% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.2345% | 2,755 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5135% | 5,430 |
| Assets per employee ($millions) | 4.0632% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 6,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 54.0567% | 5,983 |
| Net loans and leases to deposits | 66.2844% | 5,769 |
| Net loans and leases to core deposits | 66.8470% | 6,169 |
| Total domestic deposits to total assets | 81.5527% | 5,177 |
| Equity capital to assets | 17.9934% | 418 |
| Core capital (leverage) ratio | 17.5720% | 394 |
| Tier 1 risk-based capital ratio | 27.9050% | 635 |
| Total risk-based capital ratio | 28.8126% | 643 |
| Memoranda: | ||
| Average total assets | $37,216,330 | 7,103 |
| Average earning assets | $34,526,000 | 7,062 |
| Average equity | $6,495,330 | 6,300 |
| Average total loans | $19,560,670 | 7,092 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 7,186 |
| Cost of funding earning assets | 0.9996% | 6,377 |
| Net interest margin | 3.2631% | 6,085 |
| Noninterest income to average assets | 0.4688% | 4,306 |
| Noninterest expense to average assets | 2.1950% | 6,698 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9164% | 2,486 |
| Return on assets (ROA) | 0.9164% | 2,549 |
| Pretax return on assets | 1.2999% | 2,048 |
| Return on Equity (ROE) | 5.3309% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.3309% | 2,971 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8049% | 5,691 |
| Assets per employee ($millions) | 4.2896% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 5,982 |
| Loan loss allowance to noncurrent loans | 436.7347% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 7,160 |
| Noncurrent loans to loans | 0.2532% | 6,832 |
| Net loans and leases to total assets | 49.5726% | 6,512 |
| Net loans and leases to deposits | 59.9017% | 6,477 |
| Net loans and leases to core deposits | 60.5940% | 6,703 |
| Total domestic deposits to total assets | 82.7566% | 4,734 |
| Equity capital to assets | 16.8264% | 554 |
| Core capital (leverage) ratio | 17.6675% | 387 |
| Tier 1 risk-based capital ratio | 26.2943% | 751 |
| Total risk-based capital ratio | 27.1605% | 769 |
| Memoranda: | ||
| Average total assets | $37,540,000 | 7,182 |
| Average earning assets | $34,813,000 | 7,134 |
| Average equity | $6,453,000 | 6,360 |
| Average total loans | $19,350,000 | 7,191 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 6,628 |
| Cost of funding earning assets | 1.3955% | 5,950 |
| Net interest margin | 3.5378% | 4,789 |
| Noninterest income to average assets | 0.4772% | 4,594 |
| Noninterest expense to average assets | 2.3033% | 6,739 |
| Loan and lease loss provision to assets | 0.0086% | 7,386 |
| Net operating income to assets | 1.0545% | 1,648 |
| Return on assets (ROA) | 1.0545% | 1,690 |
| Pretax return on assets | 1.4546% | 1,304 |
| Return on Equity (ROE) | 5.8618% | 3,271 |
| Retained earnings to average equity (ytd only) | 3.9555% | 2,430 |
| Net charge-offs to loans | -0.0103% | 7,749 |
| Credit loss provision to net charge-offs | -150.0000% | 7,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1533% | 6,306 |
| Assets per employee ($millions) | 4.0527% | 3,704 |
| Cash dividends to net income (ytd only)* | 32.5203% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 5,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 52.4593% | 6,369 |
| Net loans and leases to deposits | 63.8822% | 6,277 |
| Net loans and leases to core deposits | 75.8052% | 6,414 |
| Total domestic deposits to total assets | 82.1188% | 4,900 |
| Equity capital to assets | 17.5742% | 491 |
| Core capital (leverage) ratio | 18.2845% | 382 |
| Tier 1 risk-based capital ratio | 26.8156% | 712 |
| Total risk-based capital ratio | 27.7108% | 721 |
| Memoranda: | ||
| Average total assets | $34,993,400 | 7,280 |
| Average earning assets | $32,534,200 | 7,244 |
| Average equity | $6,295,000 | 6,500 |
| Average total loans | $19,448,000 | 7,231 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 6,522 |
| Cost of funding earning assets | 1.4665% | 5,977 |
| Net interest margin | 3.5609% | 4,631 |
| Noninterest income to average assets | 0.4351% | 4,996 |
| Noninterest expense to average assets | 2.4338% | 6,297 |
| Loan and lease loss provision to assets | 0.0116% | 7,216 |
| Net operating income to assets | 0.9550% | 2,217 |
| Return on assets (ROA) | 0.9550% | 2,275 |
| Pretax return on assets | 1.3093% | 1,933 |
| Return on Equity (ROE) | 5.2768% | 3,848 |
| Retained earnings to average equity (ytd only) | 5.2768% | 2,327 |
| Net charge-offs to loans | -0.0205% | 7,767 |
| Credit loss provision to net charge-offs | -100.0000% | 7,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8205% | 5,587 |
| Assets per employee ($millions) | 3.8257% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 5,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 55.4587% | 6,205 |
| Net loans and leases to deposits | 68.5736% | 6,079 |
| Net loans and leases to core deposits | 82.9712% | 6,121 |
| Total domestic deposits to total assets | 80.8748% | 5,129 |
| Equity capital to assets | 18.6140% | 456 |
| Core capital (leverage) ratio | 18.1981% | 439 |
| Tier 1 risk-based capital ratio | 27.4852% | 711 |
| Total risk-based capital ratio | 28.4072% | 719 |
| Memoranda: | ||
| Average total assets | $34,623,250 | 7,356 |
| Average earning assets | $32,276,000 | 7,315 |
| Average equity | $6,266,250 | 6,569 |
| Average total loans | $19,473,000 | 7,291 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1108% | 6,387 |
| Cost of funding earning assets | 1.4955% | 6,160 |
| Net interest margin | 3.6152% | 4,303 |
| Noninterest income to average assets | 0.4209% | 5,112 |
| Noninterest expense to average assets | 2.5197% | 6,055 |
| Loan and lease loss provision to assets | 0.0173% | 7,046 |
| Net operating income to assets | 0.9168% | 2,387 |
| Return on assets (ROA) | 0.9168% | 2,484 |
| Pretax return on assets | 1.2569% | 2,137 |
| Return on Equity (ROE) | 5.1136% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.1136% | 2,449 |
| Net charge-offs to loans | -0.0205% | 7,703 |
| Credit loss provision to net charge-offs | -150.0000% | 6,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4134% | 5,471 |
| Assets per employee ($millions) | 3.8461% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 5,628 |
| Loan loss allowance to noncurrent loans | 1,070.0000% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 7,448 |
| Noncurrent loans to loans | 0.1025% | 7,269 |
| Net loans and leases to total assets | 55.7620% | 6,234 |
| Net loans and leases to deposits | 68.6757% | 6,124 |
| Net loans and leases to core deposits | 82.0210% | 6,240 |
| Total domestic deposits to total assets | 81.1960% | 5,002 |
| Equity capital to assets | 18.2580% | 526 |
| Core capital (leverage) ratio | 18.1923% | 491 |
| Tier 1 risk-based capital ratio | 26.7967% | 792 |
| Total risk-based capital ratio | 27.7040% | 796 |
| Memoranda: | ||
| Average total assets | $34,687,330 | 7,419 |
| Average earning assets | $32,363,000 | 7,385 |
| Average equity | $6,218,670 | 6,631 |
| Average total loans | $19,527,330 | 7,357 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 6,978 |
| Cost of funding earning assets | 1.5176% | 6,353 |
| Net interest margin | 3.4635% | 4,882 |
| Noninterest income to average assets | 0.4262% | 4,993 |
| Noninterest expense to average assets | 2.5343% | 5,719 |
| Loan and lease loss provision to assets | 0.0230% | 6,616 |
| Net operating income to assets | 0.8064% | 3,104 |
| Return on assets (ROA) | 0.8064% | 3,263 |
| Pretax return on assets | 1.1289% | 2,875 |
| Return on Equity (ROE) | 4.5396% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.5396% | 3,406 |
| Net charge-offs to loans | -0.0205% | 7,445 |
| Credit loss provision to net charge-offs | -200.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 4,830 |
| Assets per employee ($millions) | 3.7643% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 5,466 |
| Loan loss allowance to noncurrent loans | 3,028.5714% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 7,567 |
| Noncurrent loans to loans | 0.0363% | 7,445 |
| Net loans and leases to total assets | 56.2354% | 6,206 |
| Net loans and leases to deposits | 69.3153% | 6,045 |
| Net loans and leases to core deposits | 81.0965% | 6,304 |
| Total domestic deposits to total assets | 81.1299% | 4,910 |
| Equity capital to assets | 18.3919% | 558 |
| Core capital (leverage) ratio | 17.8186% | 578 |
| Tier 1 risk-based capital ratio | 24.8267% | 997 |
| Total risk-based capital ratio | 25.6714% | 1,007 |
| Memoranda: | ||
| Average total assets | $34,723,500 | 7,462 |
| Average earning assets | $32,684,000 | 7,412 |
| Average equity | $6,168,000 | 6,699 |
| Average total loans | $19,533,000 | 7,401 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6691% | 6,868 |
| Cost of funding earning assets | 2.0179% | 6,354 |
| Net interest margin | 3.6512% | 4,673 |
| Noninterest income to average assets | 0.4040% | 5,438 |
| Noninterest expense to average assets | 2.2529% | 6,825 |
| Loan and lease loss provision to assets | 0.0560% | 6,709 |
| Net operating income to assets | 1.0586% | 2,316 |
| Return on assets (ROA) | 1.0586% | 2,216 |
| Pretax return on assets | 1.5098% | 1,657 |
| Return on Equity (ROE) | 5.9750% | 3,952 |
| Retained earnings to average equity (ytd only) | 3.9778% | 2,657 |
| Net charge-offs to loans | -0.0202% | 7,929 |
| Credit loss provision to net charge-offs | -475.0000% | 7,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9961% | 6,526 |
| Assets per employee ($millions) | 3.9520% | 3,615 |
| Cash dividends to net income (ytd only)* | 33.4262% | 3,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 5,578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 55.0860% | 6,540 |
| Net loans and leases to deposits | 66.8886% | 6,574 |
| Net loans and leases to core deposits | 76.2196% | 6,851 |
| Total domestic deposits to total assets | 82.3549% | 4,057 |
| Equity capital to assets | 17.1643% | 764 |
| Core capital (leverage) ratio | 18.3113% | 571 |
| Tier 1 risk-based capital ratio | 25.5825% | 941 |
| Total risk-based capital ratio | 26.4583% | 952 |
| Memoranda: | ||
| Average total assets | $33,911,800 | 7,464 |
| Average earning assets | $31,715,600 | 7,423 |
| Average equity | $6,008,400 | 6,797 |
| Average total loans | $19,830,600 | 7,341 |