Home > Peoples State Bank > Performance and Condition Ratios
Peoples State Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 3,186 |
| Cost of funding earning assets | 0.9183% | 2,123 |
| Net interest margin | 3.5032% | 3,440 |
| Noninterest income to average assets | 0.5573% | 2,436 |
| Noninterest expense to average assets | 3.0600% | 1,852 |
| Loan and lease loss provision to assets | 0.0500% | 3,022 |
| Net operating income to assets | 0.6624% | 3,983 |
| Return on assets (ROA) | 0.6798% | 3,996 |
| Pretax return on assets | 0.7140% | 4,175 |
| Return on Equity (ROE) | 4.9187% | 4,227 |
| Retained earnings to average equity (ytd only) | 3.9241% | 3,005 |
| Net charge-offs to loans | 0.0180% | 3,072 |
| Credit loss provision to net charge-offs | 461.5385% | 628 |
| Earnings coverage of net charge-offs (x) | 68.8462% | 895 |
| Efficiency ratio | 79.8161% | 963 |
| Assets per employee ($millions) | 4.6655% | 2,995 |
| Cash dividends to net income (ytd only)* | 20.2206% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,212 |
| Loan loss allowance to noncurrent loans | 233.7461% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 3,364 |
| Noncurrent loans to loans | 0.4495% | 2,831 |
| Net loans and leases to total assets | 58.6201% | 3,708 |
| Net loans and leases to deposits | 71.9607% | 3,526 |
| Net loans and leases to core deposits | 80.4489% | 3,260 |
| Total domestic deposits to total assets | 81.4613% | 3,663 |
| Equity capital to assets | 14.0994% | 1,060 |
| Core capital (leverage) ratio | 13.0096% | 1,230 |
| Tier 1 risk-based capital ratio | 19.7015% | 1,367 |
| Total risk-based capital ratio | 20.6662% | 1,395 |
| Memoranda: | ||
| Average total assets | $120,033,000 | 3,705 |
| Average earning assets | $111,298,600 | 3,685 |
| Average equity | $16,589,800 | 3,483 |
| Average total loans | $72,211,200 | 3,733 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4212% | 3,282 |
| Cost of funding earning assets | 0.9197% | 2,141 |
| Net interest margin | 3.5014% | 3,559 |
| Noninterest income to average assets | 0.5502% | 2,459 |
| Noninterest expense to average assets | 2.8545% | 2,395 |
| Loan and lease loss provision to assets | 0.0501% | 2,896 |
| Net operating income to assets | 0.8543% | 3,505 |
| Return on assets (ROA) | 0.8776% | 3,502 |
| Pretax return on assets | 0.9222% | 3,813 |
| Return on Equity (ROE) | 6.3824% | 3,926 |
| Retained earnings to average equity (ytd only) | 5.0460% | 2,870 |
| Net charge-offs to loans | 0.0184% | 2,764 |
| Credit loss provision to net charge-offs | 450.0000% | 690 |
| Earnings coverage of net charge-offs (x) | 85.1193% | 829 |
| Efficiency ratio | 74.4874% | 1,497 |
| Assets per employee ($millions) | 4.2749% | 3,518 |
| Cash dividends to net income (ytd only)* | 20.9387% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 3,525 |
| Loan loss allowance to noncurrent loans | 252.7211% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 3,490 |
| Noncurrent loans to loans | 0.3989% | 3,114 |
| Net loans and leases to total assets | 60.9494% | 3,598 |
| Net loans and leases to deposits | 74.7311% | 3,415 |
| Net loans and leases to core deposits | 83.6485% | 3,124 |
| Total domestic deposits to total assets | 81.5583% | 3,598 |
| Equity capital to assets | 14.2929% | 1,043 |
| Core capital (leverage) ratio | 13.1788% | 1,266 |
| Tier 1 risk-based capital ratio | 20.5100% | 1,283 |
| Total risk-based capital ratio | 21.5005% | 1,296 |
| Memoranda: | ||
| Average total assets | $119,715,500 | 3,748 |
| Average earning assets | $111,189,500 | 3,729 |
| Average equity | $16,461,500 | 3,520 |
| Average total loans | $72,298,250 | 3,772 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 3,350 |
| Cost of funding earning assets | 0.9080% | 2,101 |
| Net interest margin | 3.4868% | 3,640 |
| Noninterest income to average assets | 0.5129% | 2,604 |
| Noninterest expense to average assets | 2.8366% | 2,458 |
| Loan and lease loss provision to assets | 0.0501% | 2,817 |
| Net operating income to assets | 0.8304% | 3,541 |
| Return on assets (ROA) | 0.8653% | 3,475 |
| Pretax return on assets | 0.9088% | 3,825 |
| Return on Equity (ROE) | 6.3770% | 3,911 |
| Retained earnings to average equity (ytd only) | 4.9612% | 2,785 |
| Net charge-offs to loans | 0.0195% | 2,477 |
| Credit loss provision to net charge-offs | 428.5714% | 669 |
| Earnings coverage of net charge-offs (x) | 78.8571% | 827 |
| Efficiency ratio | 74.8889% | 1,528 |
| Assets per employee ($millions) | 4.1089% | 3,713 |
| Cash dividends to net income (ytd only)* | 22.2008% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 3,610 |
| Loan loss allowance to noncurrent loans | 343.1925% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 3,868 |
| Noncurrent loans to loans | 0.2917% | 3,487 |
| Net loans and leases to total assets | 60.6754% | 3,680 |
| Net loans and leases to deposits | 72.7310% | 3,619 |
| Net loans and leases to core deposits | 82.3310% | 3,247 |
| Total domestic deposits to total assets | 83.4244% | 3,066 |
| Equity capital to assets | 14.0915% | 1,089 |
| Core capital (leverage) ratio | 12.8098% | 1,398 |
| Tier 1 risk-based capital ratio | 19.0514% | 1,543 |
| Total risk-based capital ratio | 19.9701% | 1,582 |
| Memoranda: | ||
| Average total assets | $119,722,000 | 3,768 |
| Average earning assets | $111,447,670 | 3,748 |
| Average equity | $16,246,000 | 3,543 |
| Average total loans | $71,832,000 | 3,802 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 3,376 |
| Cost of funding earning assets | 0.8942% | 2,033 |
| Net interest margin | 3.4657% | 3,694 |
| Noninterest income to average assets | 0.5366% | 2,359 |
| Noninterest expense to average assets | 2.8866% | 2,312 |
| Loan and lease loss provision to assets | 0.0500% | 2,655 |
| Net operating income to assets | 0.7898% | 3,661 |
| Return on assets (ROA) | 0.8500% | 3,498 |
| Pretax return on assets | 0.8933% | 3,789 |
| Return on Equity (ROE) | 6.3856% | 3,880 |
| Retained earnings to average equity (ytd only) | 3.5058% | 3,513 |
| Net charge-offs to loans | 0.0056% | 2,503 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 300 |
| Efficiency ratio | 76.0177% | 1,494 |
| Assets per employee ($millions) | 4.0157% | 3,900 |
| Cash dividends to net income (ytd only)* | 45.0980% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,677 |
| Loan loss allowance to noncurrent loans | 355.6650% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 3,742 |
| Noncurrent loans to loans | 0.2822% | 3,550 |
| Net loans and leases to total assets | 59.1025% | 3,779 |
| Net loans and leases to deposits | 70.8308% | 3,702 |
| Net loans and leases to core deposits | 80.0535% | 3,369 |
| Total domestic deposits to total assets | 83.4418% | 3,240 |
| Equity capital to assets | 13.4811% | 1,215 |
| Core capital (leverage) ratio | 12.4276% | 1,550 |
| Tier 1 risk-based capital ratio | 18.6535% | 1,617 |
| Total risk-based capital ratio | 19.5580% | 1,662 |
| Memoranda: | ||
| Average total assets | $120,004,500 | 3,805 |
| Average earning assets | $111,838,000 | 3,789 |
| Average equity | $15,973,500 | 3,585 |
| Average total loans | $71,233,000 | 3,848 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 3,044 |
| Cost of funding earning assets | 0.8204% | 1,438 |
| Net interest margin | 3.4995% | 3,706 |
| Noninterest income to average assets | 0.5234% | 2,696 |
| Noninterest expense to average assets | 2.8351% | 2,565 |
| Loan and lease loss provision to assets | 0.0411% | 3,368 |
| Net operating income to assets | 0.8645% | 3,562 |
| Return on assets (ROA) | 0.8724% | 3,519 |
| Pretax return on assets | 0.9168% | 3,850 |
| Return on Equity (ROE) | 6.9827% | 3,829 |
| Retained earnings to average equity (ytd only) | 5.9616% | 2,215 |
| Net charge-offs to loans | -0.0212% | 4,718 |
| Credit loss provision to net charge-offs | -333.3333% | 4,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3205% | 1,586 |
| Assets per employee ($millions) | 4.1220% | 3,715 |
| Cash dividends to net income (ytd only)* | 14.6226% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 3,661 |
| Loan loss allowance to noncurrent loans | 345.3659% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 3,387 |
| Noncurrent loans to loans | 0.2906% | 3,524 |
| Net loans and leases to total assets | 58.4204% | 3,919 |
| Net loans and leases to deposits | 70.6150% | 3,782 |
| Net loans and leases to core deposits | 78.8194% | 3,516 |
| Total domestic deposits to total assets | 82.7309% | 3,413 |
| Equity capital to assets | 13.1390% | 1,283 |
| Core capital (leverage) ratio | 12.4213% | 1,497 |
| Tier 1 risk-based capital ratio | 19.2294% | 1,470 |
| Total risk-based capital ratio | 20.1529% | 1,499 |
| Memoranda: | ||
| Average total assets | $121,510,400 | 3,765 |
| Average earning assets | $113,243,200 | 3,753 |
| Average equity | $15,180,400 | 3,617 |
| Average total loans | $70,632,400 | 3,859 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 2,980 |
| Cost of funding earning assets | 0.8127% | 1,274 |
| Net interest margin | 3.4841% | 3,747 |
| Noninterest income to average assets | 0.5289% | 2,685 |
| Noninterest expense to average assets | 2.8020% | 2,624 |
| Loan and lease loss provision to assets | 0.0492% | 3,010 |
| Net operating income to assets | 0.8803% | 3,626 |
| Return on assets (ROA) | 0.8907% | 3,580 |
| Pretax return on assets | 0.9355% | 3,910 |
| Return on Equity (ROE) | 7.2207% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.2904% | 2,497 |
| Net charge-offs to loans | -0.1245% | 5,211 |
| Credit loss provision to net charge-offs | -68.1818% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6324% | 1,650 |
| Assets per employee ($millions) | 4.1201% | 3,696 |
| Cash dividends to net income (ytd only)* | 12.8838% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 3,287 |
| Loan loss allowance to noncurrent loans | 290.7336% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 3,478 |
| Noncurrent loans to loans | 0.3725% | 3,314 |
| Net loans and leases to total assets | 57.5684% | 4,085 |
| Net loans and leases to deposits | 67.8012% | 4,073 |
| Net loans and leases to core deposits | 77.1522% | 3,726 |
| Total domestic deposits to total assets | 84.9076% | 2,638 |
| Equity capital to assets | 12.6829% | 1,477 |
| Core capital (leverage) ratio | 12.1088% | 1,718 |
| Tier 1 risk-based capital ratio | 17.9463% | 1,807 |
| Total risk-based capital ratio | 18.8757% | 1,850 |
| Memoranda: | ||
| Average total assets | $122,003,750 | 3,799 |
| Average earning assets | $113,694,500 | 3,786 |
| Average equity | $15,049,000 | 3,657 |
| Average total loans | $70,655,000 | 3,895 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 2,971 |
| Cost of funding earning assets | 0.7958% | 1,143 |
| Net interest margin | 3.4467% | 3,812 |
| Noninterest income to average assets | 0.5031% | 2,843 |
| Noninterest expense to average assets | 2.7677% | 2,772 |
| Loan and lease loss provision to assets | 0.0488% | 2,938 |
| Net operating income to assets | 0.8572% | 3,645 |
| Return on assets (ROA) | 0.8727% | 3,578 |
| Pretax return on assets | 0.9182% | 3,916 |
| Return on Equity (ROE) | 7.1400% | 3,854 |
| Retained earnings to average equity (ytd only) | 5.7413% | 2,699 |
| Net charge-offs to loans | -0.1915% | 5,321 |
| Credit loss provision to net charge-offs | -44.1176% | 4,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8616% | 1,727 |
| Assets per employee ($millions) | 4.0792% | 3,765 |
| Cash dividends to net income (ytd only)* | 19.5896% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 3,604 |
| Loan loss allowance to noncurrent loans | 226.6055% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 3,338 |
| Noncurrent loans to loans | 0.4582% | 3,060 |
| Net loans and leases to total assets | 57.7169% | 4,019 |
| Net loans and leases to deposits | 68.6538% | 3,972 |
| Net loans and leases to core deposits | 77.9686% | 3,583 |
| Total domestic deposits to total assets | 84.0695% | 3,040 |
| Equity capital to assets | 12.3563% | 1,626 |
| Core capital (leverage) ratio | 11.5662% | 2,017 |
| Tier 1 risk-based capital ratio | 18.3618% | 1,708 |
| Total risk-based capital ratio | 19.3163% | 1,744 |
| Memoranda: | ||
| Average total assets | $122,843,670 | 3,811 |
| Average earning assets | $114,602,000 | 3,794 |
| Average equity | $15,014,000 | 3,684 |
| Average total loans | $71,027,330 | 3,908 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 2,931 |
| Cost of funding earning assets | 0.7665% | 1,113 |
| Net interest margin | 3.4179% | 3,826 |
| Noninterest income to average assets | 0.4907% | 2,864 |
| Noninterest expense to average assets | 2.8827% | 2,435 |
| Loan and lease loss provision to assets | 0.0487% | 2,806 |
| Net operating income to assets | 0.7087% | 4,068 |
| Return on assets (ROA) | 0.7117% | 4,068 |
| Pretax return on assets | 0.7507% | 4,293 |
| Return on Equity (ROE) | 5.8554% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.0480% | 3,985 |
| Net charge-offs to loans | 0.0056% | 2,532 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 245.0000% | 277 |
| Efficiency ratio | 77.7385% | 1,377 |
| Assets per employee ($millions) | 4.3499% | 3,399 |
| Cash dividends to net income (ytd only)* | 47.9452% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 4,309 |
| Loan loss allowance to noncurrent loans | 478.8321% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 4,038 |
| Noncurrent loans to loans | 0.1940% | 4,092 |
| Net loans and leases to total assets | 55.4484% | 4,163 |
| Net loans and leases to deposits | 65.9768% | 4,087 |
| Net loans and leases to core deposits | 75.4908% | 3,708 |
| Total domestic deposits to total assets | 84.0423% | 3,313 |
| Equity capital to assets | 11.7745% | 1,929 |
| Core capital (leverage) ratio | 11.5192% | 1,994 |
| Tier 1 risk-based capital ratio | 17.5309% | 1,962 |
| Total risk-based capital ratio | 18.3627% | 2,039 |
| Memoranda: | ||
| Average total assets | $123,078,000 | 3,849 |
| Average earning assets | $114,807,500 | 3,835 |
| Average equity | $14,960,500 | 3,714 |
| Average total loans | $70,855,000 | 3,954 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2222% | 2,606 |
| Cost of funding earning assets | 0.6996% | 1,022 |
| Net interest margin | 3.5227% | 3,457 |
| Noninterest income to average assets | 0.5524% | 2,705 |
| Noninterest expense to average assets | 2.8380% | 2,654 |
| Loan and lease loss provision to assets | 0.0495% | 3,232 |
| Net operating income to assets | 0.8967% | 2,729 |
| Return on assets (ROA) | 0.9116% | 2,678 |
| Pretax return on assets | 0.9570% | 3,709 |
| Return on Equity (ROE) | 7.5028% | 3,032 |
| Retained earnings to average equity (ytd only) | 6.5513% | 1,257 |
| Net charge-offs to loans | 0.1654% | 1,482 |
| Credit loss provision to net charge-offs | 51.7241% | 3,308 |
| Earnings coverage of net charge-offs (x) | 10.3448% | 2,687 |
| Efficiency ratio | 73.5389% | 1,974 |
| Assets per employee ($millions) | 4.1383% | 3,760 |
| Cash dividends to net income (ytd only)* | 12.6812% | 3,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 4,462 |
| Loan loss allowance to noncurrent loans | 737.9310% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 4,295 |
| Noncurrent loans to loans | 0.1223% | 4,432 |
| Net loans and leases to total assets | 58.7168% | 3,950 |
| Net loans and leases to deposits | 70.7888% | 3,810 |
| Net loans and leases to core deposits | 81.7699% | 3,265 |
| Total domestic deposits to total assets | 82.9464% | 3,583 |
| Equity capital to assets | 12.5556% | 1,484 |
| Core capital (leverage) ratio | 11.6162% | 1,858 |
| Tier 1 risk-based capital ratio | 18.8026% | 1,559 |
| Total risk-based capital ratio | 19.6794% | 1,627 |
| Memoranda: | ||
| Average total assets | $121,105,000 | 3,875 |
| Average earning assets | $112,642,000 | 3,869 |
| Average equity | $14,714,600 | 3,754 |
| Average total loans | $70,147,600 | 3,954 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1998% | 2,617 |
| Cost of funding earning assets | 0.6873% | 1,024 |
| Net interest margin | 3.5124% | 3,455 |
| Noninterest income to average assets | 0.5514% | 2,722 |
| Noninterest expense to average assets | 2.7835% | 2,784 |
| Loan and lease loss provision to assets | 0.0494% | 3,105 |
| Net operating income to assets | 0.9330% | 2,866 |
| Return on assets (ROA) | 0.9414% | 2,887 |
| Pretax return on assets | 0.9886% | 3,730 |
| Return on Equity (ROE) | 7.8123% | 3,228 |
| Retained earnings to average equity (ytd only) | 6.5361% | 1,948 |
| Net charge-offs to loans | 0.0591% | 2,278 |
| Credit loss provision to net charge-offs | 145.1613% | 1,732 |
| Earnings coverage of net charge-offs (x) | 30.2274% | 1,542 |
| Efficiency ratio | 72.4287% | 2,149 |
| Assets per employee ($millions) | 4.3207% | 3,437 |
| Cash dividends to net income (ytd only)* | 16.3359% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 3,981 |
| Loan loss allowance to noncurrent loans | 194.8087% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 3,785 |
| Noncurrent loans to loans | 0.5208% | 3,140 |
| Net loans and leases to total assets | 57.4984% | 4,110 |
| Net loans and leases to deposits | 68.8859% | 4,045 |
| Net loans and leases to core deposits | 79.3876% | 3,500 |
| Total domestic deposits to total assets | 83.4690% | 3,299 |
| Equity capital to assets | 12.5476% | 1,633 |
| Core capital (leverage) ratio | 11.4707% | 2,040 |
| Tier 1 risk-based capital ratio | 18.7878% | 1,646 |
| Total risk-based capital ratio | 19.7768% | 1,675 |
| Memoranda: | ||
| Average total assets | $121,378,750 | 3,915 |
| Average earning assets | $112,701,750 | 3,908 |
| Average equity | $14,626,250 | 3,800 |
| Average total loans | $69,907,500 | 3,998 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1742% | 2,569 |
| Cost of funding earning assets | 0.6783% | 1,001 |
| Net interest margin | 3.4959% | 3,416 |
| Noninterest income to average assets | 0.5218% | 2,886 |
| Noninterest expense to average assets | 2.7619% | 2,886 |
| Loan and lease loss provision to assets | 0.0494% | 3,000 |
| Net operating income to assets | 0.9125% | 2,849 |
| Return on assets (ROA) | 0.9250% | 2,835 |
| Pretax return on assets | 0.9727% | 3,679 |
| Return on Equity (ROE) | 7.7830% | 3,153 |
| Retained earnings to average equity (ytd only) | 5.8442% | 2,203 |
| Net charge-offs to loans | 0.0774% | 1,847 |
| Credit loss provision to net charge-offs | 111.1111% | 1,871 |
| Earnings coverage of net charge-offs (x) | 22.7037% | 1,701 |
| Efficiency ratio | 72.6757% | 2,235 |
| Assets per employee ($millions) | 4.0165% | 3,928 |
| Cash dividends to net income (ytd only)* | 24.9110% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 4,141 |
| Loan loss allowance to noncurrent loans | 369.4737% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 4,321 |
| Noncurrent loans to loans | 0.2709% | 4,072 |
| Net loans and leases to total assets | 57.6218% | 4,072 |
| Net loans and leases to deposits | 69.0309% | 3,985 |
| Net loans and leases to core deposits | 78.4702% | 3,555 |
| Total domestic deposits to total assets | 83.4725% | 3,412 |
| Equity capital to assets | 12.4004% | 1,671 |
| Core capital (leverage) ratio | 11.0928% | 2,320 |
| Tier 1 risk-based capital ratio | 18.3737% | 1,754 |
| Total risk-based capital ratio | 19.3489% | 1,783 |
| Memoranda: | ||
| Average total assets | $121,512,000 | 3,940 |
| Average earning assets | $112,931,330 | 3,925 |
| Average equity | $14,441,670 | 3,832 |
| Average total loans | $69,785,330 | 4,024 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 2,613 |
| Cost of funding earning assets | 0.6548% | 1,054 |
| Net interest margin | 3.4570% | 3,429 |
| Noninterest income to average assets | 0.5016% | 2,968 |
| Noninterest expense to average assets | 2.8454% | 2,634 |
| Loan and lease loss provision to assets | 0.0492% | 2,826 |
| Net operating income to assets | 0.7840% | 3,289 |
| Return on assets (ROA) | 0.7933% | 3,311 |
| Pretax return on assets | 0.8359% | 3,989 |
| Return on Equity (ROE) | 6.8210% | 3,486 |
| Retained earnings to average equity (ytd only) | 2.8750% | 3,980 |
| Net charge-offs to loans | 0.0115% | 2,591 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 133.5000% | 411 |
| Efficiency ratio | 75.8590% | 1,928 |
| Assets per employee ($millions) | 4.2518% | 3,586 |
| Cash dividends to net income (ytd only)* | 57.8512% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 4,150 |
| Loan loss allowance to noncurrent loans | 197.2299% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 3,793 |
| Noncurrent loans to loans | 0.5183% | 3,263 |
| Net loans and leases to total assets | 55.9123% | 4,181 |
| Net loans and leases to deposits | 67.9496% | 3,994 |
| Net loans and leases to core deposits | 77.1428% | 3,549 |
| Total domestic deposits to total assets | 82.2850% | 4,086 |
| Equity capital to assets | 11.6275% | 2,091 |
| Core capital (leverage) ratio | 10.8202% | 2,579 |
| Tier 1 risk-based capital ratio | 17.9946% | 1,879 |
| Total risk-based capital ratio | 18.9848% | 1,919 |
| Memoranda: | ||
| Average total assets | $122,020,000 | 3,964 |
| Average earning assets | $113,623,000 | 3,949 |
| Average equity | $14,191,500 | 3,892 |
| Average total loans | $69,611,000 | 4,061 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 2,649 |
| Cost of funding earning assets | 0.6233% | 1,180 |
| Net interest margin | 3.5296% | 3,319 |
| Noninterest income to average assets | 0.5742% | 2,790 |
| Noninterest expense to average assets | 2.8825% | 2,735 |
| Loan and lease loss provision to assets | 0.0467% | 3,457 |
| Net operating income to assets | 0.8784% | 2,940 |
| Return on assets (ROA) | 0.9002% | 2,942 |
| Pretax return on assets | 0.9428% | 3,682 |
| Return on Equity (ROE) | 7.7645% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.7645% | 940 |
| Net charge-offs to loans | -0.0045% | 4,794 |
| Credit loss provision to net charge-offs | -1,900.0000% | 5,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3350% | 2,249 |
| Assets per employee ($millions) | 4.1634% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 4,294 |
| Loan loss allowance to noncurrent loans | 227.6873% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 4,012 |
| Noncurrent loans to loans | 0.4413% | 3,562 |
| Net loans and leases to total assets | 57.0409% | 4,160 |
| Net loans and leases to deposits | 70.4416% | 3,861 |
| Net loans and leases to core deposits | 79.7891% | 3,410 |
| Total domestic deposits to total assets | 80.9762% | 4,339 |
| Equity capital to assets | 11.6335% | 2,057 |
| Core capital (leverage) ratio | 10.7513% | 2,591 |
| Tier 1 risk-based capital ratio | 18.0288% | 1,840 |
| Total risk-based capital ratio | 19.0087% | 1,878 |
| Memoranda: | ||
| Average total assets | $122,083,200 | 3,955 |
| Average earning assets | $113,269,800 | 3,942 |
| Average equity | $14,154,200 | 3,927 |
| Average total loans | $66,700,400 | 4,127 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 2,895 |
| Cost of funding earning assets | 0.6295% | 1,144 |
| Net interest margin | 3.4660% | 3,606 |
| Noninterest income to average assets | 0.5990% | 2,664 |
| Noninterest expense to average assets | 2.8241% | 2,921 |
| Loan and lease loss provision to assets | 0.0468% | 3,310 |
| Net operating income to assets | 0.8998% | 2,907 |
| Return on assets (ROA) | 0.9290% | 2,882 |
| Pretax return on assets | 0.9726% | 3,728 |
| Return on Equity (ROE) | 8.0197% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.0197% | 1,162 |
| Net charge-offs to loans | -0.0040% | 4,580 |
| Credit loss provision to net charge-offs | -2,150.0000% | 5,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4933% | 2,370 |
| Assets per employee ($millions) | 4.0875% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 4,454 |
| Loan loss allowance to noncurrent loans | 152.6786% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 3,828 |
| Noncurrent loans to loans | 0.6502% | 3,069 |
| Net loans and leases to total assets | 55.6301% | 4,346 |
| Net loans and leases to deposits | 67.4748% | 4,209 |
| Net loans and leases to core deposits | 76.0036% | 3,834 |
| Total domestic deposits to total assets | 82.4458% | 3,798 |
| Equity capital to assets | 12.0374% | 2,093 |
| Core capital (leverage) ratio | 10.4337% | 3,065 |
| Tier 1 risk-based capital ratio | 17.9375% | 1,943 |
| Total risk-based capital ratio | 18.9076% | 1,981 |
| Memoranda: | ||
| Average total assets | $122,419,500 | 3,977 |
| Average earning assets | $113,520,000 | 3,961 |
| Average equity | $14,181,250 | 3,955 |
| Average total loans | $65,983,250 | 4,168 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 3,046 |
| Cost of funding earning assets | 0.6342% | 1,120 |
| Net interest margin | 3.4203% | 3,803 |
| Noninterest income to average assets | 0.5738% | 2,770 |
| Noninterest expense to average assets | 2.8247% | 2,943 |
| Loan and lease loss provision to assets | 0.0458% | 3,234 |
| Net operating income to assets | 0.8484% | 3,102 |
| Return on assets (ROA) | 0.8484% | 3,229 |
| Pretax return on assets | 0.8860% | 4,004 |
| Return on Equity (ROE) | 7.4206% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.4206% | 1,424 |
| Net charge-offs to loans | -0.0031% | 4,435 |
| Credit loss provision to net charge-offs | -2,800.0000% | 5,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6301% | 2,270 |
| Assets per employee ($millions) | 4.1500% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 4,580 |
| Loan loss allowance to noncurrent loans | 176.2533% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 4,131 |
| Noncurrent loans to loans | 0.5618% | 3,382 |
| Net loans and leases to total assets | 53.6534% | 4,540 |
| Net loans and leases to deposits | 64.8789% | 4,432 |
| Net loans and leases to core deposits | 73.7146% | 4,007 |
| Total domestic deposits to total assets | 82.6979% | 3,763 |
| Equity capital to assets | 11.6732% | 2,386 |
| Core capital (leverage) ratio | 10.1983% | 3,336 |
| Tier 1 risk-based capital ratio | 17.3145% | 2,128 |
| Total risk-based capital ratio | 18.2525% | 2,178 |
| Memoranda: | ||
| Average total assets | $122,350,670 | 4,003 |
| Average earning assets | $113,849,330 | 3,981 |
| Average equity | $13,988,000 | 3,995 |
| Average total loans | $65,010,670 | 4,218 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 2,984 |
| Cost of funding earning assets | 0.6527% | 1,039 |
| Net interest margin | 3.4125% | 3,829 |
| Noninterest income to average assets | 0.6300% | 2,368 |
| Noninterest expense to average assets | 2.8497% | 2,891 |
| Loan and lease loss provision to assets | 0.0429% | 3,064 |
| Net operating income to assets | 0.8740% | 2,881 |
| Return on assets (ROA) | 0.8740% | 2,994 |
| Pretax return on assets | 0.9103% | 3,798 |
| Return on Equity (ROE) | 7.7285% | 3,073 |
| Retained earnings to average equity (ytd only) | 7.7285% | 1,579 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3278% | 2,422 |
| Assets per employee ($millions) | 4.0305% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 4,599 |
| Loan loss allowance to noncurrent loans | 300.4608% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 4,695 |
| Noncurrent loans to loans | 0.3336% | 4,237 |
| Net loans and leases to total assets | 53.2527% | 4,516 |
| Net loans and leases to deposits | 64.4080% | 4,401 |
| Net loans and leases to core deposits | 73.4735% | 3,940 |
| Total domestic deposits to total assets | 82.6803% | 4,012 |
| Equity capital to assets | 11.5346% | 2,412 |
| Core capital (leverage) ratio | 9.9444% | 3,604 |
| Tier 1 risk-based capital ratio | 17.7879% | 2,042 |
| Total risk-based capital ratio | 18.7488% | 2,092 |
| Memoranda: | ||
| Average total assets | $121,276,500 | 4,048 |
| Average earning assets | $112,763,000 | 4,024 |
| Average equity | $13,715,500 | 4,044 |
| Average total loans | $63,783,000 | 4,268 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9437% | 3,551 |
| Cost of funding earning assets | 0.7478% | 647 |
| Net interest margin | 3.1959% | 4,640 |
| Noninterest income to average assets | 0.4679% | 3,543 |
| Noninterest expense to average assets | 2.7652% | 3,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6204% | 4,181 |
| Return on assets (ROA) | 0.6272% | 4,240 |
| Pretax return on assets | 0.6609% | 4,644 |
| Return on Equity (ROE) | 4.6110% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.6110% | 2,701 |
| Net charge-offs to loans | 0.0379% | 3,468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 35.5556% | 1,286 |
| Efficiency ratio | 80.8186% | 1,564 |
| Assets per employee ($millions) | 4.5051% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 4,481 |
| Loan loss allowance to noncurrent loans | 160.9572% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 3,810 |
| Noncurrent loans to loans | 0.6350% | 3,281 |
| Net loans and leases to total assets | 50.8760% | 4,791 |
| Net loans and leases to deposits | 61.3087% | 4,683 |
| Net loans and leases to core deposits | 72.1228% | 4,121 |
| Total domestic deposits to total assets | 82.9833% | 3,837 |
| Equity capital to assets | 11.0853% | 2,737 |
| Core capital (leverage) ratio | 11.9012% | 1,682 |
| Tier 1 risk-based capital ratio | 17.7179% | 2,051 |
| Total risk-based capital ratio | 18.6730% | 2,103 |
| Memoranda: | ||
| Average total assets | $97,894,200 | 4,503 |
| Average earning assets | $90,398,000 | 4,499 |
| Average equity | $13,316,000 | 4,073 |
| Average total loans | $47,452,600 | 4,744 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 2,876 |
| Cost of funding earning assets | 0.7833% | 547 |
| Net interest margin | 3.3329% | 4,211 |
| Noninterest income to average assets | 0.4930% | 3,416 |
| Noninterest expense to average assets | 2.5779% | 3,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9400% | 2,762 |
| Return on assets (ROA) | 0.9497% | 2,811 |
| Pretax return on assets | 0.9975% | 3,624 |
| Return on Equity (ROE) | 6.5791% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.5791% | 1,901 |
| Net charge-offs to loans | 0.0549% | 2,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 37.8325% | 1,297 |
| Efficiency ratio | 72.3058% | 2,826 |
| Assets per employee ($millions) | 4.6681% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 2,324 |
| Loan loss allowance to noncurrent loans | 901.4085% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 4,733 |
| Noncurrent loans to loans | 0.1620% | 5,001 |
| Net loans and leases to total assets | 46.2469% | 5,212 |
| Net loans and leases to deposits | 62.0823% | 4,715 |
| Net loans and leases to core deposits | 74.2192% | 3,997 |
| Total domestic deposits to total assets | 74.4928% | 5,664 |
| Equity capital to assets | 14.5220% | 850 |
| Core capital (leverage) ratio | 14.1906% | 814 |
| Tier 1 risk-based capital ratio | 25.5750% | 804 |
| Total risk-based capital ratio | 26.8247% | 791 |
| Memoranda: | ||
| Average total assets | $91,958,000 | 4,681 |
| Average earning assets | $84,769,500 | 4,670 |
| Average equity | $13,274,000 | 4,125 |
| Average total loans | $43,684,750 | 4,921 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 2,853 |
| Cost of funding earning assets | 0.7951% | 514 |
| Net interest margin | 3.3171% | 4,227 |
| Noninterest income to average assets | 0.4634% | 3,607 |
| Noninterest expense to average assets | 2.5642% | 4,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9269% | 2,749 |
| Return on assets (ROA) | 0.9269% | 2,869 |
| Pretax return on assets | 0.9728% | 3,685 |
| Return on Equity (ROE) | 6.4343% | 3,912 |
| Retained earnings to average equity (ytd only) | 6.4343% | 1,985 |
| Net charge-offs to loans | 0.0871% | 2,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 23.4211% | 1,608 |
| Efficiency ratio | 72.4969% | 2,934 |
| Assets per employee ($millions) | 4.6041% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 2,542 |
| Loan loss allowance to noncurrent loans | 873.9726% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 4,805 |
| Noncurrent loans to loans | 0.1652% | 5,101 |
| Net loans and leases to total assets | 47.3051% | 5,163 |
| Net loans and leases to deposits | 66.2112% | 4,319 |
| Net loans and leases to core deposits | 79.8662% | 3,399 |
| Total domestic deposits to total assets | 71.4458% | 5,962 |
| Equity capital to assets | 14.2809% | 885 |
| Core capital (leverage) ratio | 13.8032% | 904 |
| Tier 1 risk-based capital ratio | 24.3232% | 928 |
| Total risk-based capital ratio | 25.5430% | 920 |
| Memoranda: | ||
| Average total assets | $91,490,000 | 4,738 |
| Average earning assets | $84,773,330 | 4,716 |
| Average equity | $13,179,330 | 4,170 |
| Average total loans | $43,640,670 | 4,962 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1000% | 2,828 |
| Cost of funding earning assets | 0.7943% | 520 |
| Net interest margin | 3.3057% | 4,193 |
| Noninterest income to average assets | 0.4430% | 3,679 |
| Noninterest expense to average assets | 2.5528% | 4,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8948% | 2,763 |
| Return on assets (ROA) | 0.8948% | 2,893 |
| Pretax return on assets | 0.9387% | 3,749 |
| Return on Equity (ROE) | 6.1846% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.1846% | 2,383 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1156% | 2,973 |
| Assets per employee ($millions) | 4.8916% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 2,356 |
| Loan loss allowance to noncurrent loans | 325.2475% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 4,815 |
| Noncurrent loans to loans | 0.4685% | 4,174 |
| Net loans and leases to total assets | 45.6881% | 5,220 |
| Net loans and leases to deposits | 59.4945% | 4,780 |
| Net loans and leases to core deposits | 70.6480% | 4,091 |
| Total domestic deposits to total assets | 76.7939% | 5,647 |
| Equity capital to assets | 14.4113% | 856 |
| Core capital (leverage) ratio | 13.6824% | 907 |
| Tier 1 risk-based capital ratio | 25.2550% | 863 |
| Total risk-based capital ratio | 26.5055% | 842 |
| Memoranda: | ||
| Average total assets | $91,194,500 | 4,784 |
| Average earning assets | $84,097,500 | 4,773 |
| Average equity | $13,194,000 | 4,205 |
| Average total loans | $43,362,500 | 5,004 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3464% | 2,430 |
| Cost of funding earning assets | 0.8846% | 424 |
| Net interest margin | 3.4619% | 3,935 |
| Noninterest income to average assets | 0.5811% | 2,979 |
| Noninterest expense to average assets | 2.6937% | 3,886 |
| Loan and lease loss provision to assets | 0.0673% | 3,146 |
| Net operating income to assets | 0.9777% | 2,494 |
| Return on assets (ROA) | 1.0939% | 2,055 |
| Pretax return on assets | 1.1477% | 2,879 |
| Return on Equity (ROE) | 7.9179% | 3,174 |
| Retained earnings to average equity (ytd only) | 6.3750% | 1,723 |
| Net charge-offs to loans | 0.0272% | 4,279 |
| Credit loss provision to net charge-offs | 500.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 81.1667% | 617 |
| Efficiency ratio | 71.1407% | 3,349 |
| Assets per employee ($millions) | 4.7077% | 2,719 |
| Cash dividends to net income (ytd only)* | 19.4872% | 3,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 2,441 |
| Loan loss allowance to noncurrent loans | 328.5000% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 4,857 |
| Noncurrent loans to loans | 0.4588% | 4,274 |
| Net loans and leases to total assets | 48.0050% | 5,155 |
| Net loans and leases to deposits | 63.3861% | 4,592 |
| Net loans and leases to core deposits | 75.8104% | 3,734 |
| Total domestic deposits to total assets | 75.7342% | 5,779 |
| Equity capital to assets | 14.5259% | 801 |
| Core capital (leverage) ratio | 13.7750% | 874 |
| Tier 1 risk-based capital ratio | 25.4417% | 800 |
| Total risk-based capital ratio | 26.6933% | 790 |
| Memoranda: | ||
| Average total assets | $89,134,600 | 4,858 |
| Average earning assets | $82,527,800 | 4,837 |
| Average equity | $12,313,800 | 4,300 |
| Average total loans | $44,120,800 | 5,031 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 2,271 |
| Cost of funding earning assets | 0.8990% | 421 |
| Net interest margin | 3.4860% | 3,887 |
| Noninterest income to average assets | 0.6123% | 2,792 |
| Noninterest expense to average assets | 2.7473% | 3,645 |
| Loan and lease loss provision to assets | 0.0674% | 3,000 |
| Net operating income to assets | 0.9776% | 2,552 |
| Return on assets (ROA) | 1.1184% | 2,027 |
| Pretax return on assets | 1.1738% | 2,899 |
| Return on Equity (ROE) | 8.2014% | 3,093 |
| Retained earnings to average equity (ytd only) | 6.1154% | 2,337 |
| Net charge-offs to loans | -0.0060% | 5,332 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5400% | 3,261 |
| Assets per employee ($millions) | 4.9939% | 2,247 |
| Cash dividends to net income (ytd only)* | 25.4352% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 2,840 |
| Loan loss allowance to noncurrent loans | 198.7879% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 4,827 |
| Noncurrent loans to loans | 0.7418% | 3,751 |
| Net loans and leases to total assets | 48.7618% | 5,127 |
| Net loans and leases to deposits | 65.8168% | 4,350 |
| Net loans and leases to core deposits | 80.5306% | 3,254 |
| Total domestic deposits to total assets | 74.0872% | 6,009 |
| Equity capital to assets | 14.1284% | 958 |
| Core capital (leverage) ratio | 13.6856% | 936 |
| Tier 1 risk-based capital ratio | 24.5990% | 914 |
| Total risk-based capital ratio | 25.8504% | 904 |
| Memoranda: | ||
| Average total assets | $89,056,500 | 4,913 |
| Average earning assets | $82,461,750 | 4,890 |
| Average equity | $12,144,000 | 4,358 |
| Average total loans | $44,252,000 | 5,083 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 2,278 |
| Cost of funding earning assets | 0.9180% | 388 |
| Net interest margin | 3.4563% | 3,961 |
| Noninterest income to average assets | 0.4506% | 3,869 |
| Noninterest expense to average assets | 2.6605% | 4,017 |
| Loan and lease loss provision to assets | 0.0676% | 2,913 |
| Net operating income to assets | 0.8941% | 2,845 |
| Return on assets (ROA) | 1.1039% | 1,993 |
| Pretax return on assets | 1.1579% | 2,842 |
| Return on Equity (ROE) | 8.1949% | 2,989 |
| Retained earnings to average equity (ytd only) | 5.0173% | 2,949 |
| Net charge-offs to loans | -0.0045% | 5,158 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5876% | 3,228 |
| Assets per employee ($millions) | 4.6456% | 2,702 |
| Cash dividends to net income (ytd only)* | 38.7755% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 3,152 |
| Loan loss allowance to noncurrent loans | 242.4242% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 5,019 |
| Noncurrent loans to loans | 0.5936% | 4,245 |
| Net loans and leases to total assets | 49.6630% | 4,995 |
| Net loans and leases to deposits | 64.4979% | 4,439 |
| Net loans and leases to core deposits | 78.0056% | 3,437 |
| Total domestic deposits to total assets | 76.9993% | 5,801 |
| Equity capital to assets | 14.0358% | 954 |
| Core capital (leverage) ratio | 13.2163% | 1,079 |
| Tier 1 risk-based capital ratio | 23.8622% | 1,004 |
| Total risk-based capital ratio | 25.1146% | 981 |
| Memoranda: | ||
| Average total assets | $88,778,670 | 4,957 |
| Average earning assets | $82,573,670 | 4,919 |
| Average equity | $11,958,670 | 4,402 |
| Average total loans | $44,173,330 | 5,120 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 2,099 |
| Cost of funding earning assets | 0.9521% | 335 |
| Net interest margin | 3.4586% | 3,868 |
| Noninterest income to average assets | 0.4672% | 3,655 |
| Noninterest expense to average assets | 2.6731% | 4,025 |
| Loan and lease loss provision to assets | 0.0674% | 2,779 |
| Net operating income to assets | 0.8848% | 2,721 |
| Return on assets (ROA) | 1.2220% | 1,472 |
| Pretax return on assets | 1.2804% | 2,174 |
| Return on Equity (ROE) | 9.2647% | 2,341 |
| Retained earnings to average equity (ytd only) | 2.7930% | 4,415 |
| Net charge-offs to loans | -0.0363% | 5,665 |
| Credit loss provision to net charge-offs | -375.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9167% | 3,320 |
| Assets per employee ($millions) | 4.7289% | 2,623 |
| Cash dividends to net income (ytd only)* | 69.8529% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 3,557 |
| Loan loss allowance to noncurrent loans | 163.1169% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 4,488 |
| Noncurrent loans to loans | 0.8639% | 3,735 |
| Net loans and leases to total assets | 48.8998% | 5,015 |
| Net loans and leases to deposits | 62.6824% | 4,468 |
| Net loans and leases to core deposits | 75.4046% | 3,475 |
| Total domestic deposits to total assets | 78.0120% | 5,836 |
| Equity capital to assets | 13.2033% | 1,212 |
| Core capital (leverage) ratio | 13.0866% | 1,130 |
| Tier 1 risk-based capital ratio | 23.2674% | 1,105 |
| Total risk-based capital ratio | 24.5194% | 1,088 |
| Memoranda: | ||
| Average total assets | $89,034,500 | 4,996 |
| Average earning assets | $82,344,500 | 4,964 |
| Average equity | $11,743,500 | 4,463 |
| Average total loans | $44,022,000 | 5,162 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 2,026 |
| Cost of funding earning assets | 1.0716% | 327 |
| Net interest margin | 3.4809% | 3,985 |
| Noninterest income to average assets | 0.4433% | 4,132 |
| Noninterest expense to average assets | 2.6406% | 4,313 |
| Loan and lease loss provision to assets | 0.1354% | 2,618 |
| Net operating income to assets | 0.8792% | 2,885 |
| Return on assets (ROA) | 0.9983% | 2,399 |
| Pretax return on assets | 1.0378% | 3,202 |
| Return on Equity (ROE) | 7.4734% | 3,305 |
| Retained earnings to average equity (ytd only) | 4.9400% | 2,638 |
| Net charge-offs to loans | -0.0177% | 6,119 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5683% | 3,558 |
| Assets per employee ($millions) | 4.6432% | 2,664 |
| Cash dividends to net income (ytd only)* | 33.8983% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 3,654 |
| Loan loss allowance to noncurrent loans | 217.5000% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 4,897 |
| Noncurrent loans to loans | 0.6440% | 4,369 |
| Net loans and leases to total assets | 48.5956% | 5,232 |
| Net loans and leases to deposits | 63.1803% | 4,593 |
| Net loans and leases to core deposits | 76.0907% | 3,597 |
| Total domestic deposits to total assets | 76.9157% | 5,983 |
| Equity capital to assets | 13.1762% | 1,197 |
| Core capital (leverage) ratio | 12.9598% | 1,157 |
| Tier 1 risk-based capital ratio | 23.6688% | 992 |
| Total risk-based capital ratio | 24.9209% | 975 |
| Memoranda: | ||
| Average total assets | $88,653,200 | 5,010 |
| Average earning assets | $82,679,800 | 4,961 |
| Average equity | $11,842,000 | 4,472 |
| Average total loans | $45,274,200 | 5,139 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 1,860 |
| Cost of funding earning assets | 1.0816% | 341 |
| Net interest margin | 3.5303% | 3,757 |
| Noninterest income to average assets | 0.3605% | 4,814 |
| Noninterest expense to average assets | 2.5806% | 4,456 |
| Loan and lease loss provision to assets | 0.1352% | 2,590 |
| Net operating income to assets | 0.9019% | 2,825 |
| Return on assets (ROA) | 1.0259% | 2,357 |
| Pretax return on assets | 1.0635% | 3,253 |
| Return on Equity (ROE) | 7.6547% | 3,308 |
| Retained earnings to average equity (ytd only) | 4.2924% | 3,623 |
| Net charge-offs to loans | -0.0350% | 6,201 |
| Credit loss provision to net charge-offs | -750.0000% | 6,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6996% | 3,644 |
| Assets per employee ($millions) | 4.4173% | 3,024 |
| Cash dividends to net income (ytd only)* | 43.9241% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 4,615 |
| Loan loss allowance to noncurrent loans | 221.6730% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 4,659 |
| Noncurrent loans to loans | 0.5662% | 4,796 |
| Net loans and leases to total assets | 51.9226% | 4,884 |
| Net loans and leases to deposits | 67.3395% | 4,138 |
| Net loans and leases to core deposits | 81.0972% | 2,993 |
| Total domestic deposits to total assets | 77.1057% | 6,032 |
| Equity capital to assets | 13.1360% | 1,271 |
| Core capital (leverage) ratio | 12.6954% | 1,325 |
| Tier 1 risk-based capital ratio | 22.1721% | 1,289 |
| Total risk-based capital ratio | 23.3148% | 1,294 |
| Memoranda: | ||
| Average total assets | $88,761,500 | 5,055 |
| Average earning assets | $82,710,750 | 5,005 |
| Average equity | $11,896,500 | 4,513 |
| Average total loans | $45,722,750 | 5,176 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 1,920 |
| Cost of funding earning assets | 1.0814% | 361 |
| Net interest margin | 3.4951% | 3,796 |
| Noninterest income to average assets | 0.5039% | 3,804 |
| Noninterest expense to average assets | 2.5602% | 4,521 |
| Loan and lease loss provision to assets | 0.1350% | 2,638 |
| Net operating income to assets | 1.0349% | 2,181 |
| Return on assets (ROA) | 1.0349% | 2,297 |
| Pretax return on assets | 1.0664% | 3,233 |
| Return on Equity (ROE) | 7.6707% | 3,248 |
| Retained earnings to average equity (ytd only) | 2.6681% | 4,610 |
| Net charge-offs to loans | -0.0264% | 6,059 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0622% | 4,174 |
| Assets per employee ($millions) | 4.7028% | 2,508 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 5,146 |
| Loan loss allowance to noncurrent loans | 372.1088% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 4,664 |
| Noncurrent loans to loans | 0.3145% | 5,509 |
| Net loans and leases to total assets | 51.7022% | 4,905 |
| Net loans and leases to deposits | 69.3716% | 3,805 |
| Net loans and leases to core deposits | 83.5362% | 2,621 |
| Total domestic deposits to total assets | 74.5294% | 6,399 |
| Equity capital to assets | 12.7224% | 1,459 |
| Core capital (leverage) ratio | 12.4910% | 1,363 |
| Tier 1 risk-based capital ratio | 21.5934% | 1,370 |
| Total risk-based capital ratio | 22.6587% | 1,371 |
| Memoranda: | ||
| Average total assets | $88,900,330 | 5,079 |
| Average earning assets | $82,858,670 | 5,026 |
| Average equity | $11,993,670 | 4,539 |
| Average total loans | $45,479,000 | 5,210 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 1,834 |
| Cost of funding earning assets | 1.1041% | 367 |
| Net interest margin | 3.4915% | 3,732 |
| Noninterest income to average assets | 0.5233% | 3,616 |
| Noninterest expense to average assets | 2.5442% | 4,596 |
| Loan and lease loss provision to assets | 0.1353% | 2,552 |
| Net operating income to assets | 1.0826% | 1,925 |
| Return on assets (ROA) | 1.0826% | 2,034 |
| Pretax return on assets | 1.0962% | 2,966 |
| Return on Equity (ROE) | 7.8008% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.8008% | 1,825 |
| Net charge-offs to loans | -0.0178% | 5,668 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3835% | 4,431 |
| Assets per employee ($millions) | 4.7083% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 5,415 |
| Loan loss allowance to noncurrent loans | 316.6667% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 3,946 |
| Noncurrent loans to loans | 0.3625% | 5,495 |
| Net loans and leases to total assets | 49.3869% | 5,067 |
| Net loans and leases to deposits | 62.3413% | 4,496 |
| Net loans and leases to core deposits | 74.5365% | 3,512 |
| Total domestic deposits to total assets | 79.2202% | 5,921 |
| Equity capital to assets | 13.7351% | 1,120 |
| Core capital (leverage) ratio | 12.5969% | 1,299 |
| Tier 1 risk-based capital ratio | 22.4480% | 1,252 |
| Total risk-based capital ratio | 23.4790% | 1,263 |
| Memoranda: | ||
| Average total assets | $88,673,500 | 5,137 |
| Average earning assets | $82,600,000 | 5,072 |
| Average equity | $12,306,500 | 4,517 |
| Average total loans | $44,846,000 | 5,260 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8073% | 2,166 |
| Cost of funding earning assets | 1.3400% | 318 |
| Net interest margin | 3.4673% | 4,641 |
| Noninterest income to average assets | 0.5609% | 3,506 |
| Noninterest expense to average assets | 2.6310% | 4,637 |
| Loan and lease loss provision to assets | 0.1360% | 3,924 |
| Net operating income to assets | 0.9542% | 2,524 |
| Return on assets (ROA) | 0.8679% | 3,210 |
| Pretax return on assets | 0.9212% | 3,856 |
| Return on Equity (ROE) | 6.3237% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.9368% | 2,743 |
| Net charge-offs to loans | 0.4738% | 2,344 |
| Credit loss provision to net charge-offs | 56.3380% | 4,541 |
| Earnings coverage of net charge-offs (x) | 4.7606% | 3,265 |
| Efficiency ratio | 69.6043% | 3,882 |
| Assets per employee ($millions) | 4.6258% | 2,739 |
| Cash dividends to net income (ytd only)* | 21.9321% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 5,680 |
| Loan loss allowance to noncurrent loans | 279.6512% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 4,773 |
| Noncurrent loans to loans | 0.3822% | 5,542 |
| Net loans and leases to total assets | 50.6520% | 5,085 |
| Net loans and leases to deposits | 64.9301% | 4,434 |
| Net loans and leases to core deposits | 77.5345% | 3,329 |
| Total domestic deposits to total assets | 78.0100% | 6,078 |
| Equity capital to assets | 14.0243% | 1,039 |
| Core capital (leverage) ratio | 12.3223% | 1,392 |
| Tier 1 risk-based capital ratio | 22.1002% | 1,248 |
| Total risk-based capital ratio | 23.0729% | 1,270 |
| Memoranda: | ||
| Average total assets | $88,255,600 | 5,133 |
| Average earning assets | $81,937,800 | 5,069 |
| Average equity | $12,113,200 | 4,547 |
| Average total loans | $44,958,200 | 5,285 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8437% | 2,219 |
| Cost of funding earning assets | 1.3438% | 367 |
| Net interest margin | 3.5000% | 4,645 |
| Noninterest income to average assets | 0.5644% | 3,512 |
| Noninterest expense to average assets | 2.6229% | 4,665 |
| Loan and lease loss provision to assets | 0.0906% | 4,471 |
| Net operating income to assets | 1.0483% | 2,289 |
| Return on assets (ROA) | 1.1802% | 1,992 |
| Pretax return on assets | 1.2405% | 2,821 |
| Return on Equity (ROE) | 8.6454% | 2,979 |
| Retained earnings to average equity (ytd only) | 8.6454% | 1,358 |
| Net charge-offs to loans | 0.1572% | 3,863 |
| Credit loss provision to net charge-offs | 113.2075% | 2,579 |
| Earnings coverage of net charge-offs (x) | 14.9067% | 1,810 |
| Efficiency ratio | 68.7500% | 3,921 |
| Assets per employee ($millions) | 4.7058% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 5,087 |
| Loan loss allowance to noncurrent loans | 46.1111% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 1.5054% | 3,331 |
| Noncurrent loans to loans | 2.6929% | 2,104 |
| Net loans and leases to total assets | 51.6810% | 5,085 |
| Net loans and leases to deposits | 66.2205% | 4,441 |
| Net loans and leases to core deposits | 81.2906% | 3,047 |
| Total domestic deposits to total assets | 78.0438% | 6,067 |
| Equity capital to assets | 13.9336% | 1,186 |
| Core capital (leverage) ratio | 12.4629% | 1,428 |
| Tier 1 risk-based capital ratio | 21.5887% | 1,404 |
| Total risk-based capital ratio | 22.7174% | 1,401 |
| Memoranda: | ||
| Average total assets | $88,347,000 | 5,183 |
| Average earning assets | $82,056,250 | 5,115 |
| Average equity | $12,060,000 | 4,601 |
| Average total loans | $44,948,000 | 5,347 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 2,260 |
| Cost of funding earning assets | 1.3649% | 400 |
| Net interest margin | 3.4979% | 4,676 |
| Noninterest income to average assets | 0.5523% | 3,572 |
| Noninterest expense to average assets | 2.5911% | 4,802 |
| Loan and lease loss provision to assets | 0.0682% | 4,775 |
| Net operating income to assets | 1.0872% | 2,088 |
| Return on assets (ROA) | 1.1455% | 2,106 |
| Pretax return on assets | 1.2046% | 2,905 |
| Return on Equity (ROE) | 8.4512% | 3,040 |
| Retained earnings to average equity (ytd only) | 8.4512% | 1,461 |
| Net charge-offs to loans | 0.2346% | 3,165 |
| Credit loss provision to net charge-offs | 57.6923% | 3,862 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 2,074 |
| Efficiency ratio | 68.1411% | 4,092 |
| Assets per employee ($millions) | 4.7059% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 5,421 |
| Loan loss allowance to noncurrent loans | 63.4483% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.0692% | 4,248 |
| Noncurrent loans to loans | 1.8673% | 3,125 |
| Net loans and leases to total assets | 51.4903% | 5,157 |
| Net loans and leases to deposits | 67.7752% | 4,238 |
| Net loans and leases to core deposits | 83.9163% | 2,700 |
| Total domestic deposits to total assets | 75.9722% | 6,464 |
| Equity capital to assets | 13.7732% | 1,184 |
| Core capital (leverage) ratio | 12.1384% | 1,528 |
| Tier 1 risk-based capital ratio | 20.4685% | 1,586 |
| Total risk-based capital ratio | 21.5113% | 1,612 |
| Memoranda: | ||
| Average total assets | $87,992,670 | 5,226 |
| Average earning assets | $81,762,670 | 5,161 |
| Average equity | $11,927,330 | 4,624 |
| Average total loans | $44,334,330 | 5,417 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 2,087 |
| Cost of funding earning assets | 1.3661% | 476 |
| Net interest margin | 3.5735% | 4,378 |
| Noninterest income to average assets | 0.5683% | 3,441 |
| Noninterest expense to average assets | 2.6076% | 4,790 |
| Loan and lease loss provision to assets | 0.0687% | 4,551 |
| Net operating income to assets | 1.1411% | 1,915 |
| Return on assets (ROA) | 1.1411% | 2,099 |
| Pretax return on assets | 1.2007% | 2,913 |
| Return on Equity (ROE) | 8.4885% | 3,064 |
| Retained earnings to average equity (ytd only) | 8.4885% | 1,783 |
| Net charge-offs to loans | -0.0278% | 6,310 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2577% | 4,311 |
| Assets per employee ($millions) | 4.7502% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 4,807 |
| Loan loss allowance to noncurrent loans | 72.4602% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.9939% | 4,509 |
| Noncurrent loans to loans | 1.8617% | 3,326 |
| Net loans and leases to total assets | 47.9685% | 5,558 |
| Net loans and leases to deposits | 60.7186% | 5,070 |
| Net loans and leases to core deposits | 74.6560% | 3,806 |
| Total domestic deposits to total assets | 79.0013% | 6,071 |
| Equity capital to assets | 13.2151% | 1,352 |
| Core capital (leverage) ratio | 12.2486% | 1,462 |
| Tier 1 risk-based capital ratio | 20.8526% | 1,521 |
| Total risk-based capital ratio | 22.0194% | 1,502 |
| Memoranda: | ||
| Average total assets | $87,282,500 | 5,283 |
| Average earning assets | $80,816,000 | 5,222 |
| Average equity | $11,733,500 | 4,666 |
| Average total loans | $43,206,000 | 5,498 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2770% | 1,779 |
| Cost of funding earning assets | 1.6067% | 468 |
| Net interest margin | 3.6703% | 4,426 |
| Noninterest income to average assets | 0.6482% | 2,900 |
| Noninterest expense to average assets | 2.7600% | 4,509 |
| Loan and lease loss provision to assets | 0.1435% | 4,819 |
| Net operating income to assets | 1.0747% | 1,906 |
| Return on assets (ROA) | 1.0894% | 1,994 |
| Pretax return on assets | 1.1420% | 2,687 |
| Return on Equity (ROE) | 8.3753% | 2,729 |
| Retained earnings to average equity (ytd only) | 6.9963% | 1,506 |
| Net charge-offs to loans | 0.0071% | 6,332 |
| Credit loss provision to net charge-offs | 4,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 354.0000% | 99 |
| Efficiency ratio | 68.4866% | 4,254 |
| Assets per employee ($millions) | 4.2156% | 3,441 |
| Cash dividends to net income (ytd only)* | 16.4654% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 4,666 |
| Loan loss allowance to noncurrent loans | 1,793.7500% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 6,620 |
| Noncurrent loans to loans | 0.0752% | 6,628 |
| Net loans and leases to total assets | 49.7592% | 5,621 |
| Net loans and leases to deposits | 61.6276% | 5,287 |
| Net loans and leases to core deposits | 76.5873% | 3,892 |
| Total domestic deposits to total assets | 80.7418% | 5,533 |
| Equity capital to assets | 13.6873% | 1,181 |
| Core capital (leverage) ratio | 12.1737% | 1,506 |
| Tier 1 risk-based capital ratio | 21.3160% | 1,355 |
| Total risk-based capital ratio | 22.5003% | 1,345 |
| Memoranda: | ||
| Average total assets | $83,622,000 | 5,351 |
| Average earning assets | $77,051,200 | 5,315 |
| Average equity | $10,877,200 | 4,811 |
| Average total loans | $42,378,400 | 5,590 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2695% | 1,966 |
| Cost of funding earning assets | 1.6397% | 498 |
| Net interest margin | 3.6298% | 4,657 |
| Noninterest income to average assets | 0.6519% | 2,866 |
| Noninterest expense to average assets | 2.7034% | 4,713 |
| Loan and lease loss provision to assets | 0.1438% | 4,643 |
| Net operating income to assets | 1.0939% | 1,992 |
| Return on assets (ROA) | 1.1136% | 2,060 |
| Pretax return on assets | 1.1679% | 2,751 |
| Return on Equity (ROE) | 8.6758% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.6758% | 1,256 |
| Net charge-offs to loans | -0.0346% | 6,989 |
| Credit loss provision to net charge-offs | -818.1818% | 6,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6800% | 4,383 |
| Assets per employee ($millions) | 4.3488% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 5,088 |
| Loan loss allowance to noncurrent loans | 133.4928% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 5,662 |
| Noncurrent loans to loans | 0.9609% | 4,963 |
| Net loans and leases to total assets | 49.3717% | 5,785 |
| Net loans and leases to deposits | 61.1861% | 5,487 |
| Net loans and leases to core deposits | 75.9614% | 4,200 |
| Total domestic deposits to total assets | 80.6910% | 5,534 |
| Equity capital to assets | 13.2705% | 1,479 |
| Core capital (leverage) ratio | 12.2604% | 1,554 |
| Tier 1 risk-based capital ratio | 20.6380% | 1,531 |
| Total risk-based capital ratio | 21.7595% | 1,536 |
| Memoranda: | ||
| Average total assets | $83,449,500 | 5,389 |
| Average earning assets | $76,843,250 | 5,360 |
| Average equity | $10,711,500 | 4,863 |
| Average total loans | $42,341,250 | 5,634 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3081% | 1,859 |
| Cost of funding earning assets | 1.6771% | 511 |
| Net interest margin | 3.6310% | 4,596 |
| Noninterest income to average assets | 0.6272% | 2,966 |
| Noninterest expense to average assets | 2.7177% | 4,748 |
| Loan and lease loss provision to assets | 0.1459% | 4,485 |
| Net operating income to assets | 1.0623% | 1,992 |
| Return on assets (ROA) | 1.0623% | 2,088 |
| Pretax return on assets | 1.1109% | 2,810 |
| Return on Equity (ROE) | 8.3759% | 2,775 |
| Retained earnings to average equity (ytd only) | 8.3759% | 1,311 |
| Net charge-offs to loans | 0.0238% | 5,498 |
| Credit loss provision to net charge-offs | 1,200.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 103.4000% | 355 |
| Efficiency ratio | 68.3792% | 4,444 |
| Assets per employee ($millions) | 4.3405% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 5,521 |
| Loan loss allowance to noncurrent loans | 97.3384% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 5,385 |
| Noncurrent loans to loans | 1.2372% | 4,593 |
| Net loans and leases to total assets | 50.9300% | 5,703 |
| Net loans and leases to deposits | 63.4433% | 5,346 |
| Net loans and leases to core deposits | 80.8104% | 3,674 |
| Total domestic deposits to total assets | 80.2765% | 5,746 |
| Equity capital to assets | 13.3709% | 1,350 |
| Core capital (leverage) ratio | 11.9459% | 1,630 |
| Tier 1 risk-based capital ratio | 19.1989% | 1,789 |
| Total risk-based capital ratio | 20.1811% | 1,830 |
| Memoranda: | ||
| Average total assets | $82,274,330 | 5,480 |
| Average earning assets | $75,846,000 | 5,438 |
| Average equity | $10,434,670 | 4,941 |
| Average total loans | $41,955,330 | 5,704 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2315% | 2,107 |
| Cost of funding earning assets | 1.6908% | 577 |
| Net interest margin | 3.5406% | 4,848 |
| Noninterest income to average assets | 0.5938% | 3,218 |
| Noninterest expense to average assets | 2.6431% | 5,068 |
| Loan and lease loss provision to assets | 0.1460% | 4,186 |
| Net operating income to assets | 1.0271% | 2,085 |
| Return on assets (ROA) | 1.0271% | 2,132 |
| Pretax return on assets | 1.0563% | 2,921 |
| Return on Equity (ROE) | 8.3247% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.3247% | 1,611 |
| Net charge-offs to loans | -0.0384% | 6,804 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7342% | 4,519 |
| Assets per employee ($millions) | 4.3403% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,713 |
| Loan loss allowance to noncurrent loans | 191.7969% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 5,290 |
| Noncurrent loans to loans | 0.6159% | 5,800 |
| Net loans and leases to total assets | 49.8084% | 5,875 |
| Net loans and leases to deposits | 61.6196% | 5,556 |
| Net loans and leases to core deposits | 79.2372% | 3,851 |
| Total domestic deposits to total assets | 80.8321% | 5,711 |
| Equity capital to assets | 12.4803% | 1,638 |
| Core capital (leverage) ratio | 11.8789% | 1,630 |
| Tier 1 risk-based capital ratio | 19.0219% | 1,794 |
| Total risk-based capital ratio | 19.9767% | 1,844 |
| Memoranda: | ||
| Average total assets | $82,176,500 | 5,519 |
| Average earning assets | $75,466,500 | 5,494 |
| Average equity | $10,138,500 | 5,008 |
| Average total loans | $41,676,000 | 5,773 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5237% | 2,191 |
| Cost of funding earning assets | 1.9372% | 750 |
| Net interest margin | 3.5865% | 4,880 |
| Noninterest income to average assets | 0.6395% | 3,212 |
| Noninterest expense to average assets | 2.6433% | 5,250 |
| Loan and lease loss provision to assets | 0.1705% | 5,520 |
| Net operating income to assets | 1.0521% | 1,865 |
| Return on assets (ROA) | 1.0695% | 1,896 |
| Pretax return on assets | 1.1231% | 2,490 |
| Return on Equity (ROE) | 8.9647% | 2,303 |
| Retained earnings to average equity (ytd only) | 8.6890% | 791 |
| Net charge-offs to loans | 0.2996% | 4,519 |
| Credit loss provision to net charge-offs | 112.9032% | 3,867 |
| Earnings coverage of net charge-offs (x) | 8.4435% | 1,967 |
| Efficiency ratio | 67.4541% | 4,677 |
| Assets per employee ($millions) | 4.3098% | 3,183 |
| Cash dividends to net income (ytd only)* | 3.0752% | 3,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 5,972 |
| Loan loss allowance to noncurrent loans | 146.9453% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 5,083 |
| Noncurrent loans to loans | 0.7443% | 5,555 |
| Net loans and leases to total assets | 50.4708% | 6,124 |
| Net loans and leases to deposits | 62.9977% | 5,743 |
| Net loans and leases to core deposits | 79.0486% | 4,340 |
| Total domestic deposits to total assets | 80.1153% | 5,803 |
| Equity capital to assets | 12.1936% | 1,797 |
| Core capital (leverage) ratio | 11.4903% | 1,839 |
| Tier 1 risk-based capital ratio | 18.5384% | 1,831 |
| Total risk-based capital ratio | 19.4236% | 1,910 |
| Memoranda: | ||
| Average total assets | $82,094,400 | 5,529 |
| Average earning assets | $75,058,400 | 5,511 |
| Average equity | $9,794,000 | 5,187 |
| Average total loans | $41,382,600 | 5,867 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5320% | 2,322 |
| Cost of funding earning assets | 1.9512% | 878 |
| Net interest margin | 3.5808% | 4,969 |
| Noninterest income to average assets | 0.6492% | 3,130 |
| Noninterest expense to average assets | 2.6472% | 5,123 |
| Loan and lease loss provision to assets | 0.0325% | 6,747 |
| Net operating income to assets | 1.1809% | 1,649 |
| Return on assets (ROA) | 1.1978% | 1,680 |
| Pretax return on assets | 1.2579% | 2,311 |
| Return on Equity (ROE) | 10.0960% | 2,090 |
| Retained earnings to average equity (ytd only) | 10.0686% | 775 |
| Net charge-offs to loans | 0.1001% | 5,527 |
| Credit loss provision to net charge-offs | 64.5161% | 5,577 |
| Earnings coverage of net charge-offs (x) | 25.2918% | 999 |
| Efficiency ratio | 67.5362% | 4,555 |
| Assets per employee ($millions) | 4.3359% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.2713% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 6,215 |
| Loan loss allowance to noncurrent loans | 78.0399% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.2563% | 4,637 |
| Noncurrent loans to loans | 1.3332% | 4,631 |
| Net loans and leases to total assets | 49.6462% | 6,358 |
| Net loans and leases to deposits | 62.9919% | 6,024 |
| Net loans and leases to core deposits | 80.5261% | 4,443 |
| Total domestic deposits to total assets | 78.8136% | 6,061 |
| Equity capital to assets | 12.6980% | 1,756 |
| Core capital (leverage) ratio | 11.4563% | 1,968 |
| Tier 1 risk-based capital ratio | 18.0928% | 2,001 |
| Total risk-based capital ratio | 18.9155% | 2,090 |
| Memoranda: | ||
| Average total assets | $82,146,250 | 5,591 |
| Average earning assets | $75,028,750 | 5,573 |
| Average equity | $9,746,250 | 5,268 |
| Average total loans | $41,281,750 | 5,953 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5461% | 2,347 |
| Cost of funding earning assets | 1.9750% | 968 |
| Net interest margin | 3.5711% | 4,944 |
| Noninterest income to average assets | 0.6141% | 3,232 |
| Noninterest expense to average assets | 2.6685% | 5,042 |
| Loan and lease loss provision to assets | 0.0122% | 6,787 |
| Net operating income to assets | 1.1346% | 1,739 |
| Return on assets (ROA) | 1.1600% | 1,734 |
| Pretax return on assets | 1.2209% | 2,347 |
| Return on Equity (ROE) | 10.0126% | 2,102 |
| Retained earnings to average equity (ytd only) | 9.9706% | 849 |
| Net charge-offs to loans | -0.3199% | 7,696 |
| Credit loss provision to net charge-offs | -7.5758% | 6,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8679% | 4,410 |
| Assets per employee ($millions) | 4.3745% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.4202% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 5,263 |
| Loan loss allowance to noncurrent loans | 151.0324% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 5,548 |
| Noncurrent loans to loans | 0.8177% | 5,640 |
| Net loans and leases to total assets | 49.2631% | 6,518 |
| Net loans and leases to deposits | 63.3814% | 6,099 |
| Net loans and leases to core deposits | 80.4784% | 4,637 |
| Total domestic deposits to total assets | 77.7248% | 6,330 |
| Equity capital to assets | 11.9281% | 2,140 |
| Core capital (leverage) ratio | 11.0668% | 2,189 |
| Tier 1 risk-based capital ratio | 17.7090% | 2,031 |
| Total risk-based capital ratio | 18.6952% | 2,081 |
| Memoranda: | ||
| Average total assets | $82,067,330 | 5,627 |
| Average earning assets | $74,935,670 | 5,610 |
| Average equity | $9,508,000 | 5,339 |
| Average total loans | $41,265,670 | 5,999 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5477% | 2,371 |
| Cost of funding earning assets | 2.0075% | 1,059 |
| Net interest margin | 3.5402% | 4,991 |
| Noninterest income to average assets | 0.5788% | 3,425 |
| Noninterest expense to average assets | 2.6342% | 5,211 |
| Loan and lease loss provision to assets | 0.0245% | 6,418 |
| Net operating income to assets | 1.0792% | 1,896 |
| Return on assets (ROA) | 1.0792% | 1,975 |
| Pretax return on assets | 1.1380% | 2,593 |
| Return on Equity (ROE) | 9.4573% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.4573% | 1,280 |
| Net charge-offs to loans | 0.1749% | 3,873 |
| Credit loss provision to net charge-offs | 27.7778% | 4,851 |
| Earnings coverage of net charge-offs (x) | 13.1667% | 1,517 |
| Efficiency ratio | 69.3798% | 4,429 |
| Assets per employee ($millions) | 4.2654% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 6,284 |
| Loan loss allowance to noncurrent loans | 144.1077% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 5,542 |
| Noncurrent loans to loans | 0.7216% | 5,880 |
| Net loans and leases to total assets | 50.2597% | 6,439 |
| Net loans and leases to deposits | 65.2255% | 5,908 |
| Net loans and leases to core deposits | 80.9572% | 4,635 |
| Total domestic deposits to total assets | 77.0554% | 6,549 |
| Equity capital to assets | 11.6778% | 2,243 |
| Core capital (leverage) ratio | 11.0959% | 2,162 |
| Tier 1 risk-based capital ratio | 17.2973% | 2,153 |
| Total risk-based capital ratio | 18.1254% | 2,268 |
| Memoranda: | ||
| Average total assets | $81,543,500 | 5,723 |
| Average earning assets | $74,120,500 | 5,703 |
| Average equity | $9,305,000 | 5,454 |
| Average total loans | $41,170,000 | 6,067 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8345% | 2,510 |
| Cost of funding earning assets | 2.4461% | 1,172 |
| Net interest margin | 3.3883% | 5,409 |
| Noninterest income to average assets | 0.5706% | 3,856 |
| Noninterest expense to average assets | 2.7092% | 5,347 |
| Loan and lease loss provision to assets | 0.1561% | 6,111 |
| Net operating income to assets | 0.7922% | 2,560 |
| Return on assets (ROA) | 0.8515% | 2,422 |
| Pretax return on assets | 0.8927% | 2,948 |
| Return on Equity (ROE) | 7.6769% | 2,506 |
| Retained earnings to average equity (ytd only) | 6.3261% | 1,214 |
| Net charge-offs to loans | 0.4036% | 4,208 |
| Credit loss provision to net charge-offs | 75.3012% | 6,387 |
| Earnings coverage of net charge-offs (x) | 4.7590% | 2,829 |
| Efficiency ratio | 73.3108% | 4,032 |
| Assets per employee ($millions) | 4.3181% | 3,246 |
| Cash dividends to net income (ytd only)* | 17.5953% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 6,037 |
| Loan loss allowance to noncurrent loans | 110.5263% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.9422% | 5,221 |
| Noncurrent loans to loans | 0.9689% | 5,376 |
| Net loans and leases to total assets | 49.6551% | 6,675 |
| Net loans and leases to deposits | 65.5221% | 6,109 |
| Net loans and leases to core deposits | 82.5696% | 5,865 |
| Total domestic deposits to total assets | 75.7837% | 6,724 |
| Equity capital to assets | 11.1477% | 2,582 |
| Core capital (leverage) ratio | 10.8018% | 2,347 |
| Tier 1 risk-based capital ratio | 16.9389% | 2,166 |
| Total risk-based capital ratio | 17.7956% | 2,247 |
| Memoranda: | ||
| Average total assets | $80,097,200 | 5,727 |
| Average earning assets | $73,871,400 | 5,685 |
| Average equity | $8,883,800 | 5,640 |
| Average total loans | $41,134,400 | 6,051 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8927% | 2,483 |
| Cost of funding earning assets | 2.5006% | 1,300 |
| Net interest margin | 3.3920% | 5,303 |
| Noninterest income to average assets | 0.5493% | 4,081 |
| Noninterest expense to average assets | 2.6294% | 5,603 |
| Loan and lease loss provision to assets | 0.1005% | 6,360 |
| Net operating income to assets | 0.9157% | 2,363 |
| Return on assets (ROA) | 0.9395% | 2,336 |
| Pretax return on assets | 0.9864% | 2,949 |
| Return on Equity (ROE) | 8.4822% | 2,459 |
| Retained earnings to average equity (ytd only) | 8.4822% | 983 |
| Net charge-offs to loans | -0.0032% | 7,606 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2341% | 4,382 |
| Assets per employee ($millions) | 4.2251% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,416 |
| Loan loss allowance to noncurrent loans | 127.4648% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 5,412 |
| Noncurrent loans to loans | 1.0307% | 5,248 |
| Net loans and leases to total assets | 50.8122% | 6,714 |
| Net loans and leases to deposits | 67.3380% | 6,186 |
| Net loans and leases to core deposits | 93.2172% | 5,105 |
| Total domestic deposits to total assets | 75.4584% | 6,684 |
| Equity capital to assets | 11.7520% | 2,394 |
| Core capital (leverage) ratio | 11.0007% | 2,404 |
| Tier 1 risk-based capital ratio | 17.3019% | 2,180 |
| Total risk-based capital ratio | 18.3793% | 2,185 |
| Memoranda: | ||
| Average total assets | $79,610,500 | 5,778 |
| Average earning assets | $73,739,500 | 5,730 |
| Average equity | $8,818,250 | 5,712 |
| Average total loans | $41,123,000 | 6,101 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9091% | 2,546 |
| Cost of funding earning assets | 2.5421% | 1,471 |
| Net interest margin | 3.3669% | 5,295 |
| Noninterest income to average assets | 0.5316% | 4,170 |
| Noninterest expense to average assets | 2.6956% | 5,398 |
| Loan and lease loss provision to assets | 0.0756% | 6,434 |
| Net operating income to assets | 0.8458% | 2,670 |
| Return on assets (ROA) | 0.8817% | 2,635 |
| Pretax return on assets | 0.9246% | 3,259 |
| Return on Equity (ROE) | 8.1272% | 2,715 |
| Retained earnings to average equity (ytd only) | 8.1272% | 1,167 |
| Net charge-offs to loans | 0.0146% | 6,333 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 127.3333% | 306 |
| Efficiency ratio | 73.6915% | 4,080 |
| Assets per employee ($millions) | 4.1328% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 4,571 |
| Loan loss allowance to noncurrent loans | 110.6522% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 5,118 |
| Noncurrent loans to loans | 1.1337% | 4,949 |
| Net loans and leases to total assets | 51.0245% | 6,781 |
| Net loans and leases to deposits | 67.5889% | 6,239 |
| Net loans and leases to core deposits | 93.8666% | 5,132 |
| Total domestic deposits to total assets | 75.4925% | 6,662 |
| Equity capital to assets | 10.9331% | 2,982 |
| Core capital (leverage) ratio | 10.6262% | 2,714 |
| Tier 1 risk-based capital ratio | 17.5245% | 2,143 |
| Total risk-based capital ratio | 18.5728% | 2,145 |
| Memoranda: | ||
| Average total assets | $79,388,670 | 5,821 |
| Average earning assets | $73,717,330 | 5,758 |
| Average equity | $8,613,000 | 5,809 |
| Average total loans | $41,053,000 | 6,155 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9366% | 2,619 |
| Cost of funding earning assets | 2.5778% | 1,630 |
| Net interest margin | 3.3588% | 5,290 |
| Noninterest income to average assets | 0.5813% | 3,674 |
| Noninterest expense to average assets | 2.5557% | 5,628 |
| Loan and lease loss provision to assets | 0.0752% | 6,018 |
| Net operating income to assets | 0.9842% | 2,380 |
| Return on assets (ROA) | 1.0223% | 2,363 |
| Pretax return on assets | 1.0724% | 3,093 |
| Return on Equity (ROE) | 9.4587% | 2,550 |
| Retained earnings to average equity (ytd only) | 9.4587% | 1,350 |
| Net charge-offs to loans | 0.0872% | 4,290 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 24.5556% | 1,236 |
| Efficiency ratio | 69.7674% | 4,630 |
| Assets per employee ($millions) | 4.2821% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 4,917 |
| Loan loss allowance to noncurrent loans | 94.5736% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.1603% | 4,351 |
| Noncurrent loans to loans | 1.2503% | 4,471 |
| Net loans and leases to total assets | 50.1241% | 6,854 |
| Net loans and leases to deposits | 66.5932% | 6,320 |
| Net loans and leases to core deposits | 86.5508% | 5,863 |
| Total domestic deposits to total assets | 75.2692% | 6,656 |
| Equity capital to assets | 10.8260% | 3,146 |
| Core capital (leverage) ratio | 11.0112% | 2,489 |
| Tier 1 risk-based capital ratio | 16.8155% | 2,395 |
| Total risk-based capital ratio | 17.7968% | 2,429 |
| Memoranda: | ||
| Average total assets | $79,821,500 | 5,830 |
| Average earning assets | $73,240,500 | 5,805 |
| Average equity | $8,627,000 | 5,838 |
| Average total loans | $41,292,000 | 6,180 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3396% | 3,731 |
| Cost of funding earning assets | 2.9174% | 2,187 |
| Net interest margin | 3.4222% | 5,571 |
| Noninterest income to average assets | 0.7071% | 3,082 |
| Noninterest expense to average assets | 2.5910% | 5,684 |
| Loan and lease loss provision to assets | 0.0862% | 6,303 |
| Net operating income to assets | 1.1237% | 2,053 |
| Return on assets (ROA) | 1.1237% | 1,969 |
| Pretax return on assets | 1.1781% | 2,730 |
| Return on Equity (ROE) | 10.8331% | 1,956 |
| Retained earnings to average equity (ytd only) | 10.3215% | 408 |
| Net charge-offs to loans | 0.0975% | 5,351 |
| Credit loss provision to net charge-offs | 162.5000% | 3,180 |
| Earnings coverage of net charge-offs (x) | 23.8250% | 1,399 |
| Efficiency ratio | 67.2058% | 4,874 |
| Assets per employee ($millions) | 4.3491% | 2,884 |
| Cash dividends to net income (ytd only)* | 4.7226% | 4,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 4,804 |
| Loan loss allowance to noncurrent loans | 280.2326% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 5,160 |
| Noncurrent loans to loans | 0.4163% | 6,096 |
| Net loans and leases to total assets | 52.1608% | 6,832 |
| Net loans and leases to deposits | 71.8600% | 6,072 |
| Net loans and leases to core deposits | 92.4116% | 5,599 |
| Total domestic deposits to total assets | 72.5866% | 6,903 |
| Equity capital to assets | 10.7891% | 3,215 |
| Core capital (leverage) ratio | 10.6274% | 2,881 |
| Tier 1 risk-based capital ratio | 16.5736% | 2,461 |
| Total risk-based capital ratio | 18.1379% | 2,291 |
| Memoranda: | ||
| Average total assets | $75,377,000 | 5,862 |
| Average earning assets | $69,341,400 | 5,844 |
| Average equity | $7,818,600 | 6,166 |
| Average total loans | $41,044,400 | 6,119 |