Home > Peoples State Bank & Trust > Performance and Condition Ratios
Peoples State Bank & Trust, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5891% | 1,288 |
| Cost of funding earning assets | 0.2611% | 4,538 |
| Net interest margin | 4.3280% | 873 |
| Noninterest income to average assets | 1.7191% | 430 |
| Noninterest expense to average assets | 3.8957% | 681 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1678% | 1,712 |
| Return on assets (ROA) | 1.1678% | 1,810 |
| Pretax return on assets | 1.8540% | 775 |
| Return on Equity (ROE) | 10.0393% | 2,031 |
| Retained earnings to average equity (ytd only) | 10.0393% | 589 |
| Net charge-offs to loans | 0.0993% | 1,840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 32.0833% | 1,348 |
| Efficiency ratio | 67.7554% | 3,387 |
| Assets per employee ($millions) | 3.2888% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 1,587 |
| Loan loss allowance to noncurrent loans | 124.8869% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 2.0267% | 811 |
| Noncurrent loans to loans | 1.2648% | 1,807 |
| Net loans and leases to total assets | 60.3321% | 3,839 |
| Net loans and leases to deposits | 68.6740% | 4,114 |
| Net loans and leases to core deposits | 71.6180% | 4,213 |
| Total domestic deposits to total assets | 87.8529% | 1,505 |
| Equity capital to assets | 11.6045% | 2,439 |
| Core capital (leverage) ratio | 11.6599% | 1,864 |
| Tier 1 risk-based capital ratio | 16.0034% | 2,642 |
| Total risk-based capital ratio | 17.2545% | 2,577 |
| Memoranda: | ||
| Average total assets | $83,065,330 | 4,742 |
| Average earning assets | $77,357,330 | 4,719 |
| Average equity | $9,662,000 | 4,710 |
| Average total loans | $48,325,670 | 4,705 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7855% | 883 |
| Cost of funding earning assets | 0.2627% | 4,582 |
| Net interest margin | 4.5229% | 580 |
| Noninterest income to average assets | 1.1339% | 854 |
| Noninterest expense to average assets | 3.7682% | 817 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9921% | 2,318 |
| Return on assets (ROA) | 0.9921% | 2,429 |
| Pretax return on assets | 1.5737% | 1,365 |
| Return on Equity (ROE) | 8.5191% | 2,656 |
| Retained earnings to average equity (ytd only) | 8.5191% | 1,256 |
| Net charge-offs to loans | -0.0086% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5398% | 3,037 |
| Assets per employee ($millions) | 3.1677% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 1,144 |
| Loan loss allowance to noncurrent loans | 128.6576% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 2.1345% | 786 |
| Noncurrent loans to loans | 1.4015% | 1,703 |
| Net loans and leases to total assets | 56.4017% | 4,209 |
| Net loans and leases to deposits | 64.1368% | 4,433 |
| Net loans and leases to core deposits | 66.9998% | 4,474 |
| Total domestic deposits to total assets | 87.9397% | 1,673 |
| Equity capital to assets | 11.7034% | 2,243 |
| Core capital (leverage) ratio | 11.7775% | 1,773 |
| Tier 1 risk-based capital ratio | 16.9899% | 2,292 |
| Total risk-based capital ratio | 18.2422% | 2,243 |
| Memoranda: | ||
| Average total assets | $81,843,000 | 4,821 |
| Average earning assets | $76,146,500 | 4,792 |
| Average equity | $9,531,500 | 4,757 |
| Average total loans | $46,279,500 | 4,799 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1589% | 460 |
| Cost of funding earning assets | 0.2810% | 4,475 |
| Net interest margin | 4.8779% | 313 |
| Noninterest income to average assets | 1.8176% | 408 |
| Noninterest expense to average assets | 3.8895% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7265% | 548 |
| Return on assets (ROA) | 1.7282% | 569 |
| Pretax return on assets | 2.4528% | 223 |
| Return on Equity (ROE) | 14.7345% | 730 |
| Retained earnings to average equity (ytd only) | 4.0406% | 3,145 |
| Net charge-offs to loans | -0.0137% | 5,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3503% | 4,706 |
| Assets per employee ($millions) | 3.1279% | 5,380 |
| Cash dividends to net income (ytd only)* | 72.5772% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8827% | 987 |
| Loan loss allowance to noncurrent loans | 128.5068% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 2.3707% | 671 |
| Noncurrent loans to loans | 1.4651% | 1,594 |
| Net loans and leases to total assets | 54.5970% | 4,436 |
| Net loans and leases to deposits | 62.9935% | 4,542 |
| Net loans and leases to core deposits | 65.7832% | 4,613 |
| Total domestic deposits to total assets | 86.6708% | 2,289 |
| Equity capital to assets | 11.5881% | 2,289 |
| Core capital (leverage) ratio | 11.4898% | 1,967 |
| Tier 1 risk-based capital ratio | 16.8011% | 2,362 |
| Total risk-based capital ratio | 18.0537% | 2,312 |
| Memoranda: | ||
| Average total assets | $80,602,000 | 4,857 |
| Average earning assets | $74,725,200 | 4,841 |
| Average equity | $9,454,000 | 4,757 |
| Average total loans | $51,228,000 | 4,629 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1013% | 516 |
| Cost of funding earning assets | 0.2827% | 4,531 |
| Net interest margin | 4.8186% | 364 |
| Noninterest income to average assets | 1.7806% | 423 |
| Noninterest expense to average assets | 3.8049% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5364% | 873 |
| Return on assets (ROA) | 1.5385% | 905 |
| Pretax return on assets | 2.4437% | 261 |
| Return on Equity (ROE) | 13.0772% | 1,105 |
| Retained earnings to average equity (ytd only) | 13.0772% | 270 |
| Net charge-offs to loans | -0.0152% | 5,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9238% | 4,748 |
| Assets per employee ($millions) | 3.1370% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6930% | 1,490 |
| Loan loss allowance to noncurrent loans | 128.3560% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 2.4202% | 732 |
| Noncurrent loans to loans | 1.3190% | 1,931 |
| Net loans and leases to total assets | 60.5838% | 3,799 |
| Net loans and leases to deposits | 70.5420% | 3,919 |
| Net loans and leases to core deposits | 73.5722% | 4,056 |
| Total domestic deposits to total assets | 85.8833% | 2,598 |
| Equity capital to assets | 12.2470% | 1,913 |
| Core capital (leverage) ratio | 12.2579% | 1,536 |
| Tier 1 risk-based capital ratio | 17.1101% | 2,330 |
| Total risk-based capital ratio | 18.3622% | 2,280 |
| Memoranda: | ||
| Average total assets | $80,421,250 | 4,920 |
| Average earning assets | $74,514,500 | 4,900 |
| Average equity | $9,461,500 | 4,815 |
| Average total loans | $52,721,750 | 4,639 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 552 |
| Cost of funding earning assets | 0.2829% | 4,577 |
| Net interest margin | 4.7749% | 378 |
| Noninterest income to average assets | 1.1969% | 845 |
| Noninterest expense to average assets | 3.7756% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1644% | 1,728 |
| Return on assets (ROA) | 1.1644% | 1,798 |
| Pretax return on assets | 1.8491% | 818 |
| Return on Equity (ROE) | 10.0370% | 2,050 |
| Retained earnings to average equity (ytd only) | 10.0370% | 655 |
| Net charge-offs to loans | -0.0224% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1257% | 3,807 |
| Assets per employee ($millions) | 3.2964% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 2,317 |
| Loan loss allowance to noncurrent loans | 128.3560% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 2.4026% | 807 |
| Noncurrent loans to loans | 1.1648% | 2,319 |
| Net loans and leases to total assets | 68.0342% | 2,638 |
| Net loans and leases to deposits | 78.6486% | 2,949 |
| Net loans and leases to core deposits | 81.9633% | 3,182 |
| Total domestic deposits to total assets | 86.5041% | 2,439 |
| Equity capital to assets | 11.5532% | 2,370 |
| Core capital (leverage) ratio | 11.7708% | 1,794 |
| Tier 1 risk-based capital ratio | 14.7637% | 3,496 |
| Total risk-based capital ratio | 16.0147% | 3,424 |
| Memoranda: | ||
| Average total assets | $80,040,670 | 4,977 |
| Average earning assets | $74,221,670 | 4,955 |
| Average equity | $9,285,670 | 4,889 |
| Average total loans | $53,540,670 | 4,658 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9775% | 589 |
| Cost of funding earning assets | 0.2902% | 4,549 |
| Net interest margin | 4.6873% | 418 |
| Noninterest income to average assets | 1.4406% | 565 |
| Noninterest expense to average assets | 3.8856% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1971% | 1,557 |
| Return on assets (ROA) | 1.1971% | 1,658 |
| Pretax return on assets | 1.8971% | 721 |
| Return on Equity (ROE) | 10.2967% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.2967% | 854 |
| Net charge-offs to loans | -0.0231% | 5,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1930% | 3,957 |
| Assets per employee ($millions) | 3.0612% | 5,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 2,025 |
| Loan loss allowance to noncurrent loans | 71.9864% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 3.1310% | 583 |
| Noncurrent loans to loans | 2.2335% | 1,123 |
| Net loans and leases to total assets | 65.2021% | 2,898 |
| Net loans and leases to deposits | 74.9928% | 3,163 |
| Net loans and leases to core deposits | 77.8935% | 3,391 |
| Total domestic deposits to total assets | 86.9445% | 2,404 |
| Equity capital to assets | 11.6772% | 2,316 |
| Core capital (leverage) ratio | 11.7308% | 1,829 |
| Tier 1 risk-based capital ratio | 14.9074% | 3,480 |
| Total risk-based capital ratio | 16.1585% | 3,416 |
| Memoranda: | ||
| Average total assets | $78,856,000 | 5,049 |
| Average earning assets | $73,048,500 | 5,024 |
| Average equity | $9,168,000 | 4,949 |
| Average total loans | $51,852,000 | 4,743 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3816% | 394 |
| Cost of funding earning assets | 0.3009% | 4,789 |
| Net interest margin | 5.0807% | 263 |
| Noninterest income to average assets | 1.5705% | 510 |
| Noninterest expense to average assets | 3.9435% | 814 |
| Loan and lease loss provision to assets | 0.0385% | 3,805 |
| Net operating income to assets | 1.4487% | 983 |
| Return on assets (ROA) | 1.4487% | 1,014 |
| Pretax return on assets | 2.2859% | 267 |
| Return on Equity (ROE) | 12.1854% | 1,359 |
| Retained earnings to average equity (ytd only) | 1.6607% | 4,983 |
| Net charge-offs to loans | 0.0019% | 4,936 |
| Credit loss provision to net charge-offs | 3,000.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 1,813.0000% | 17 |
| Efficiency ratio | 62.9168% | 4,767 |
| Assets per employee ($millions) | 3.0047% | 5,691 |
| Cash dividends to net income (ytd only)* | 86.3717% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 1,906 |
| Loan loss allowance to noncurrent loans | 55.8493% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 3.1976% | 602 |
| Noncurrent loans to loans | 2.9689% | 761 |
| Net loans and leases to total assets | 64.1518% | 3,205 |
| Net loans and leases to deposits | 73.5335% | 3,493 |
| Net loans and leases to core deposits | 76.4138% | 3,664 |
| Total domestic deposits to total assets | 87.2416% | 2,152 |
| Equity capital to assets | 11.5744% | 2,369 |
| Core capital (leverage) ratio | 11.3038% | 2,130 |
| Tier 1 risk-based capital ratio | 15.1326% | 3,420 |
| Total risk-based capital ratio | 16.3839% | 3,368 |
| Memoranda: | ||
| Average total assets | $78,001,200 | 5,110 |
| Average earning assets | $72,116,400 | 5,085 |
| Average equity | $9,273,400 | 4,907 |
| Average total loans | $53,424,600 | 4,711 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3580% | 408 |
| Cost of funding earning assets | 0.3016% | 4,875 |
| Net interest margin | 5.0565% | 265 |
| Noninterest income to average assets | 1.7117% | 449 |
| Noninterest expense to average assets | 3.7979% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6279% | 702 |
| Return on assets (ROA) | 1.6279% | 731 |
| Pretax return on assets | 2.5872% | 182 |
| Return on Equity (ROE) | 13.6027% | 1,072 |
| Retained earnings to average equity (ytd only) | 13.6027% | 277 |
| Net charge-offs to loans | -0.0123% | 5,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4804% | 5,254 |
| Assets per employee ($millions) | 3.0425% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 2,965 |
| Loan loss allowance to noncurrent loans | 82.6788% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 2.5966% | 993 |
| Noncurrent loans to loans | 1.7485% | 1,855 |
| Net loans and leases to total assets | 70.7562% | 2,067 |
| Net loans and leases to deposits | 82.0040% | 2,425 |
| Net loans and leases to core deposits | 84.9500% | 2,782 |
| Total domestic deposits to total assets | 86.2839% | 2,711 |
| Equity capital to assets | 12.4330% | 1,747 |
| Core capital (leverage) ratio | 12.3993% | 1,462 |
| Tier 1 risk-based capital ratio | 15.5570% | 3,279 |
| Total risk-based capital ratio | 16.8070% | 3,221 |
| Memoranda: | ||
| Average total assets | $77,971,250 | 5,170 |
| Average earning assets | $72,064,500 | 5,137 |
| Average equity | $9,331,250 | 4,939 |
| Average total loans | $54,040,500 | 4,728 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3055% | 429 |
| Cost of funding earning assets | 0.3040% | 4,928 |
| Net interest margin | 5.0015% | 279 |
| Noninterest income to average assets | 1.3352% | 673 |
| Noninterest expense to average assets | 3.8019% | 971 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3558% | 1,172 |
| Return on assets (ROA) | 1.3558% | 1,219 |
| Pretax return on assets | 2.1548% | 398 |
| Return on Equity (ROE) | 11.4805% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.4805% | 480 |
| Net charge-offs to loans | -0.0151% | 5,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8252% | 4,718 |
| Assets per employee ($millions) | 3.0745% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 3,116 |
| Loan loss allowance to noncurrent loans | 82.5780% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 2.5696% | 1,076 |
| Noncurrent loans to loans | 1.7533% | 1,968 |
| Net loans and leases to total assets | 69.8259% | 2,115 |
| Net loans and leases to deposits | 80.1735% | 2,496 |
| Net loans and leases to core deposits | 81.4808% | 3,033 |
| Total domestic deposits to total assets | 87.0934% | 2,404 |
| Equity capital to assets | 11.7807% | 2,180 |
| Core capital (leverage) ratio | 12.1207% | 1,589 |
| Tier 1 risk-based capital ratio | 14.9138% | 3,682 |
| Total risk-based capital ratio | 16.1648% | 3,624 |
| Memoranda: | ||
| Average total assets | $77,593,670 | 5,213 |
| Average earning assets | $71,699,000 | 5,190 |
| Average equity | $9,163,330 | 4,994 |
| Average total loans | $53,123,330 | 4,784 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3397% | 387 |
| Cost of funding earning assets | 0.3067% | 4,997 |
| Net interest margin | 5.0329% | 255 |
| Noninterest income to average assets | 1.5755% | 487 |
| Noninterest expense to average assets | 3.7476% | 1,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5493% | 736 |
| Return on assets (ROA) | 1.5493% | 768 |
| Pretax return on assets | 2.4652% | 236 |
| Return on Equity (ROE) | 13.1024% | 1,137 |
| Retained earnings to average equity (ytd only) | 13.1024% | 473 |
| Net charge-offs to loans | -0.0156% | 5,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3201% | 5,354 |
| Assets per employee ($millions) | 2.9821% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 2,929 |
| Loan loss allowance to noncurrent loans | 79.4175% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 2.6968% | 1,133 |
| Noncurrent loans to loans | 1.9516% | 1,927 |
| Net loans and leases to total assets | 67.0123% | 2,395 |
| Net loans and leases to deposits | 77.3691% | 2,647 |
| Net loans and leases to core deposits | 78.6730% | 3,125 |
| Total domestic deposits to total assets | 86.6138% | 3,033 |
| Equity capital to assets | 11.8463% | 1,984 |
| Core capital (leverage) ratio | 12.0542% | 1,623 |
| Tier 1 risk-based capital ratio | 15.1080% | 3,653 |
| Total risk-based capital ratio | 16.3593% | 3,608 |
| Memoranda: | ||
| Average total assets | $76,422,500 | 5,291 |
| Average earning assets | $70,416,500 | 5,263 |
| Average equity | $9,036,500 | 5,044 |
| Average total loans | $51,367,000 | 4,885 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1849% | 662 |
| Cost of funding earning assets | 0.3660% | 4,993 |
| Net interest margin | 4.8188% | 414 |
| Noninterest income to average assets | 1.7627% | 481 |
| Noninterest expense to average assets | 4.3077% | 628 |
| Loan and lease loss provision to assets | 0.0130% | 4,861 |
| Net operating income to assets | 0.9855% | 2,390 |
| Return on assets (ROA) | 0.9855% | 2,463 |
| Pretax return on assets | 1.8121% | 738 |
| Return on Equity (ROE) | 8.0551% | 3,013 |
| Retained earnings to average equity (ytd only) | -2.1175% | 6,190 |
| Net charge-offs to loans | 0.2251% | 2,660 |
| Credit loss provision to net charge-offs | 9.0090% | 4,597 |
| Earnings coverage of net charge-offs (x) | 12.6306% | 2,107 |
| Efficiency ratio | 70.2399% | 3,801 |
| Assets per employee ($millions) | 2.8965% | 5,993 |
| Cash dividends to net income (ytd only)* | 126.2880% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 2,634 |
| Loan loss allowance to noncurrent loans | 78.8406% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 2.8469% | 1,133 |
| Noncurrent loans to loans | 2.0717% | 1,915 |
| Net loans and leases to total assets | 65.2530% | 2,813 |
| Net loans and leases to deposits | 75.0695% | 3,087 |
| Net loans and leases to core deposits | 77.2661% | 3,455 |
| Total domestic deposits to total assets | 86.9234% | 2,767 |
| Equity capital to assets | 11.8019% | 1,949 |
| Core capital (leverage) ratio | 11.4852% | 1,973 |
| Tier 1 risk-based capital ratio | 15.1800% | 3,558 |
| Total risk-based capital ratio | 16.4313% | 3,503 |
| Memoranda: | ||
| Average total assets | $76,815,400 | 5,309 |
| Average earning assets | $69,664,200 | 5,320 |
| Average equity | $9,397,800 | 5,002 |
| Average total loans | $49,301,600 | 4,991 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2186% | 619 |
| Cost of funding earning assets | 0.3786% | 5,013 |
| Net interest margin | 4.8399% | 400 |
| Noninterest income to average assets | 2.0710% | 400 |
| Noninterest expense to average assets | 4.3268% | 614 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3317% | 1,265 |
| Return on assets (ROA) | 1.3317% | 1,320 |
| Pretax return on assets | 2.1159% | 461 |
| Return on Equity (ROE) | 10.7921% | 1,888 |
| Retained earnings to average equity (ytd only) | 10.7921% | 618 |
| Net charge-offs to loans | 0.3066% | 2,002 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 10.8409% | 2,310 |
| Efficiency ratio | 67.1582% | 4,270 |
| Assets per employee ($millions) | 3.0057% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 3,273 |
| Loan loss allowance to noncurrent loans | 77.6812% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 3.3437% | 1,045 |
| Noncurrent loans to loans | 1.9831% | 2,270 |
| Net loans and leases to total assets | 65.7568% | 2,677 |
| Net loans and leases to deposits | 76.1932% | 2,937 |
| Net loans and leases to core deposits | 78.4451% | 3,305 |
| Total domestic deposits to total assets | 86.3027% | 3,077 |
| Equity capital to assets | 12.6057% | 1,523 |
| Core capital (leverage) ratio | 12.5057% | 1,420 |
| Tier 1 risk-based capital ratio | 16.4809% | 2,940 |
| Total risk-based capital ratio | 17.7325% | 2,914 |
| Memoranda: | ||
| Average total assets | $77,191,750 | 5,354 |
| Average earning assets | $69,723,750 | 5,368 |
| Average equity | $9,525,250 | 5,027 |
| Average total loans | $49,137,500 | 5,041 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2844% | 539 |
| Cost of funding earning assets | 0.3849% | 5,084 |
| Net interest margin | 4.8995% | 369 |
| Noninterest income to average assets | 2.4248% | 335 |
| Noninterest expense to average assets | 4.5191% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4543% | 974 |
| Return on assets (ROA) | 1.4543% | 1,049 |
| Pretax return on assets | 2.3103% | 345 |
| Return on Equity (ROE) | 11.8726% | 1,530 |
| Retained earnings to average equity (ytd only) | 11.8726% | 518 |
| Net charge-offs to loans | 0.4904% | 1,332 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.5254% | 2,536 |
| Efficiency ratio | 66.1714% | 4,522 |
| Assets per employee ($millions) | 3.0502% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 2,980 |
| Loan loss allowance to noncurrent loans | 77.1981% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 3.3226% | 1,181 |
| Noncurrent loans to loans | 2.1366% | 2,242 |
| Net loans and leases to total assets | 60.0749% | 3,643 |
| Net loans and leases to deposits | 69.0368% | 3,855 |
| Net loans and leases to core deposits | 72.1033% | 4,023 |
| Total domestic deposits to total assets | 87.0186% | 2,809 |
| Equity capital to assets | 12.1517% | 1,808 |
| Core capital (leverage) ratio | 12.3826% | 1,415 |
| Tier 1 risk-based capital ratio | 17.1947% | 2,642 |
| Total risk-based capital ratio | 18.4472% | 2,616 |
| Memoranda: | ||
| Average total assets | $76,873,330 | 5,393 |
| Average earning assets | $69,109,000 | 5,416 |
| Average equity | $9,416,670 | 5,079 |
| Average total loans | $48,119,670 | 5,095 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 611 |
| Cost of funding earning assets | 0.3922% | 5,183 |
| Net interest margin | 4.8011% | 401 |
| Noninterest income to average assets | 3.2885% | 224 |
| Noninterest expense to average assets | 4.4305% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9668% | 363 |
| Return on assets (ROA) | 1.9668% | 392 |
| Pretax return on assets | 3.1299% | 142 |
| Return on Equity (ROE) | 15.9888% | 607 |
| Retained earnings to average equity (ytd only) | 15.9888% | 277 |
| Net charge-offs to loans | -0.0334% | 5,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6014% | 5,768 |
| Assets per employee ($millions) | 3.1220% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9219% | 2,242 |
| Loan loss allowance to noncurrent loans | 79.3966% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 4.9635% | 744 |
| Noncurrent loans to loans | 2.4206% | 2,137 |
| Net loans and leases to total assets | 60.2191% | 3,387 |
| Net loans and leases to deposits | 69.1476% | 3,618 |
| Net loans and leases to core deposits | 71.4453% | 3,890 |
| Total domestic deposits to total assets | 87.0878% | 2,911 |
| Equity capital to assets | 12.1614% | 1,930 |
| Core capital (leverage) ratio | 12.4365% | 1,365 |
| Tier 1 risk-based capital ratio | 17.0390% | 2,732 |
| Total risk-based capital ratio | 18.2938% | 2,702 |
| Memoranda: | ||
| Average total assets | $75,657,000 | 5,467 |
| Average earning assets | $67,318,000 | 5,511 |
| Average equity | $9,306,500 | 5,154 |
| Average total loans | $47,958,500 | 5,132 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7472% | 399 |
| Cost of funding earning assets | 0.5109% | 5,143 |
| Net interest margin | 5.2363% | 253 |
| Noninterest income to average assets | 2.0221% | 431 |
| Noninterest expense to average assets | 4.4793% | 589 |
| Loan and lease loss provision to assets | 0.3354% | 2,003 |
| Net operating income to assets | 1.2299% | 1,502 |
| Return on assets (ROA) | 1.2299% | 1,672 |
| Pretax return on assets | 1.9022% | 753 |
| Return on Equity (ROE) | 9.8688% | 2,224 |
| Retained earnings to average equity (ytd only) | -2.2591% | 6,197 |
| Net charge-offs to loans | 0.4856% | 2,289 |
| Credit loss provision to net charge-offs | 102.0492% | 2,955 |
| Earnings coverage of net charge-offs (x) | 6.8074% | 2,736 |
| Efficiency ratio | 66.6867% | 4,381 |
| Assets per employee ($millions) | 2.8178% | 6,289 |
| Cash dividends to net income (ytd only)* | 122.8916% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 2,267 |
| Loan loss allowance to noncurrent loans | 77.4493% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 5.2782% | 718 |
| Noncurrent loans to loans | 2.4669% | 2,151 |
| Net loans and leases to total assets | 64.2580% | 2,860 |
| Net loans and leases to deposits | 74.3282% | 3,046 |
| Net loans and leases to core deposits | 76.9802% | 3,412 |
| Total domestic deposits to total assets | 86.4517% | 3,123 |
| Equity capital to assets | 12.4495% | 1,748 |
| Core capital (leverage) ratio | 12.0534% | 1,540 |
| Tier 1 risk-based capital ratio | 15.5999% | 3,374 |
| Total risk-based capital ratio | 16.8542% | 3,329 |
| Memoranda: | ||
| Average total assets | $74,231,000 | 5,503 |
| Average earning assets | $66,554,200 | 5,535 |
| Average equity | $9,251,400 | 5,157 |
| Average total loans | $50,251,400 | 5,095 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8970% | 335 |
| Cost of funding earning assets | 0.5289% | 5,257 |
| Net interest margin | 5.3682% | 214 |
| Noninterest income to average assets | 1.9192% | 444 |
| Noninterest expense to average assets | 4.2252% | 703 |
| Loan and lease loss provision to assets | 0.3097% | 2,131 |
| Net operating income to assets | 1.3964% | 1,232 |
| Return on assets (ROA) | 1.3964% | 1,356 |
| Pretax return on assets | 2.2182% | 464 |
| Return on Equity (ROE) | 11.2017% | 1,890 |
| Retained earnings to average equity (ytd only) | -0.3304% | 6,147 |
| Net charge-offs to loans | 0.4539% | 2,289 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 8.1619% | 2,495 |
| Efficiency ratio | 62.5663% | 5,062 |
| Assets per employee ($millions) | 3.0875% | 5,881 |
| Cash dividends to net income (ytd only)* | 102.9491% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 3,016 |
| Loan loss allowance to noncurrent loans | 71.4174% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 5.5033% | 772 |
| Noncurrent loans to loans | 2.4302% | 2,362 |
| Net loans and leases to total assets | 69.6819% | 1,975 |
| Net loans and leases to deposits | 80.7655% | 2,276 |
| Net loans and leases to core deposits | 83.1134% | 2,809 |
| Total domestic deposits to total assets | 86.2768% | 3,103 |
| Equity capital to assets | 12.5734% | 1,840 |
| Core capital (leverage) ratio | 12.4916% | 1,412 |
| Tier 1 risk-based capital ratio | 15.1853% | 3,715 |
| Total risk-based capital ratio | 16.4391% | 3,661 |
| Memoranda: | ||
| Average total assets | $74,472,750 | 5,557 |
| Average earning assets | $67,060,500 | 5,578 |
| Average equity | $9,284,000 | 5,202 |
| Average total loans | $50,815,500 | 5,137 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9419% | 322 |
| Cost of funding earning assets | 0.5523% | 5,292 |
| Net interest margin | 5.3896% | 215 |
| Noninterest income to average assets | 1.1877% | 1,007 |
| Noninterest expense to average assets | 3.9439% | 1,016 |
| Loan and lease loss provision to assets | 0.2574% | 2,516 |
| Net operating income to assets | 1.1663% | 1,826 |
| Return on assets (ROA) | 1.1663% | 2,028 |
| Pretax return on assets | 1.8526% | 934 |
| Return on Equity (ROE) | 9.3821% | 2,624 |
| Retained earnings to average equity (ytd only) | -7.9370% | 6,765 |
| Net charge-offs to loans | 0.3344% | 2,686 |
| Credit loss provision to net charge-offs | 114.2857% | 2,388 |
| Earnings coverage of net charge-offs (x) | 9.3690% | 2,181 |
| Efficiency ratio | 65.1461% | 4,697 |
| Assets per employee ($millions) | 3.1390% | 5,771 |
| Cash dividends to net income (ytd only)* | 184.5977% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 3,158 |
| Loan loss allowance to noncurrent loans | 69.7358% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 4.9167% | 976 |
| Noncurrent loans to loans | 2.4606% | 2,441 |
| Net loans and leases to total assets | 70.2529% | 1,876 |
| Net loans and leases to deposits | 80.4185% | 2,328 |
| Net loans and leases to core deposits | 83.0196% | 2,823 |
| Total domestic deposits to total assets | 87.3591% | 2,562 |
| Equity capital to assets | 11.9042% | 2,216 |
| Core capital (leverage) ratio | 11.7916% | 1,731 |
| Tier 1 risk-based capital ratio | 14.3443% | 4,214 |
| Total risk-based capital ratio | 15.5970% | 4,172 |
| Memoranda: | ||
| Average total assets | $74,596,670 | 5,590 |
| Average earning assets | $67,352,330 | 5,609 |
| Average equity | $9,273,000 | 5,208 |
| Average total loans | $50,238,330 | 5,185 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9788% | 316 |
| Cost of funding earning assets | 0.5842% | 5,255 |
| Net interest margin | 5.3946% | 217 |
| Noninterest income to average assets | 0.5066% | 3,869 |
| Noninterest expense to average assets | 3.6698% | 1,425 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0778% | 2,177 |
| Return on assets (ROA) | 1.0778% | 2,361 |
| Pretax return on assets | 1.7137% | 1,270 |
| Return on Equity (ROE) | 8.4876% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.4876% | 1,784 |
| Net charge-offs to loans | -0.0330% | 6,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1682% | 4,138 |
| Assets per employee ($millions) | 3.2130% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8375% | 2,874 |
| Loan loss allowance to noncurrent loans | 64.1457% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 4.9772% | 1,047 |
| Noncurrent loans to loans | 2.8645% | 2,253 |
| Net loans and leases to total assets | 63.4596% | 2,959 |
| Net loans and leases to deposits | 72.8633% | 3,288 |
| Net loans and leases to core deposits | 75.2800% | 3,713 |
| Total domestic deposits to total assets | 87.0941% | 2,905 |
| Equity capital to assets | 12.3509% | 1,819 |
| Core capital (leverage) ratio | 12.6848% | 1,255 |
| Tier 1 risk-based capital ratio | 16.5403% | 2,891 |
| Total risk-based capital ratio | 17.7937% | 2,856 |
| Memoranda: | ||
| Average total assets | $74,227,500 | 5,638 |
| Average earning assets | $67,104,000 | 5,656 |
| Average equity | $9,425,500 | 5,187 |
| Average total loans | $48,433,000 | 5,291 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0964% | 367 |
| Cost of funding earning assets | 0.8164% | 4,735 |
| Net interest margin | 5.2800% | 249 |
| Noninterest income to average assets | 1.2202% | 885 |
| Noninterest expense to average assets | 3.8422% | 1,270 |
| Loan and lease loss provision to assets | 0.0205% | 6,312 |
| Net operating income to assets | 1.3431% | 1,154 |
| Return on assets (ROA) | 1.3431% | 1,240 |
| Pretax return on assets | 2.0801% | 458 |
| Return on Equity (ROE) | 10.5108% | 1,871 |
| Retained earnings to average equity (ytd only) | 5.0631% | 2,594 |
| Net charge-offs to loans | 0.0517% | 5,799 |
| Credit loss provision to net charge-offs | 55.5556% | 5,280 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 498 |
| Efficiency ratio | 64.6532% | 5,012 |
| Assets per employee ($millions) | 2.9726% | 6,150 |
| Cash dividends to net income (ytd only)* | 51.8293% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9398% | 2,451 |
| Loan loss allowance to noncurrent loans | 46.9619% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 6.2501% | 764 |
| Noncurrent loans to loans | 4.1306% | 1,497 |
| Net loans and leases to total assets | 64.6216% | 3,054 |
| Net loans and leases to deposits | 74.9630% | 3,350 |
| Net loans and leases to core deposits | 77.6759% | 3,721 |
| Total domestic deposits to total assets | 86.2047% | 3,195 |
| Equity capital to assets | 13.0735% | 1,451 |
| Core capital (leverage) ratio | 12.7092% | 1,264 |
| Tier 1 risk-based capital ratio | 17.1422% | 2,537 |
| Total risk-based capital ratio | 18.3973% | 2,498 |
| Memoranda: | ||
| Average total assets | $73,264,400 | 5,665 |
| Average earning assets | $65,530,400 | 5,681 |
| Average equity | $9,361,800 | 5,195 |
| Average total loans | $52,183,800 | 5,180 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2948% | 273 |
| Cost of funding earning assets | 0.8680% | 4,650 |
| Net interest margin | 5.4267% | 196 |
| Noninterest income to average assets | 1.5766% | 533 |
| Noninterest expense to average assets | 3.5780% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8116% | 509 |
| Return on assets (ROA) | 1.8116% | 550 |
| Pretax return on assets | 2.8476% | 159 |
| Return on Equity (ROE) | 14.2572% | 986 |
| Retained earnings to average equity (ytd only) | 14.2572% | 283 |
| Net charge-offs to loans | 0.0598% | 5,368 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 65.6234% | 500 |
| Efficiency ratio | 55.6837% | 6,324 |
| Assets per employee ($millions) | 3.0707% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 3,375 |
| Loan loss allowance to noncurrent loans | 153.8462% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 4.2919% | 1,417 |
| Noncurrent loans to loans | 1.0863% | 4,739 |
| Net loans and leases to total assets | 71.8537% | 1,739 |
| Net loans and leases to deposits | 83.9341% | 2,013 |
| Net loans and leases to core deposits | 86.8925% | 2,662 |
| Total domestic deposits to total assets | 85.6073% | 3,440 |
| Equity capital to assets | 13.3927% | 1,416 |
| Core capital (leverage) ratio | 13.1943% | 1,156 |
| Tier 1 risk-based capital ratio | 16.4748% | 2,877 |
| Total risk-based capital ratio | 17.7285% | 2,837 |
| Memoranda: | ||
| Average total assets | $73,744,750 | 5,689 |
| Average earning assets | $65,894,250 | 5,717 |
| Average equity | $9,370,500 | 5,214 |
| Average total loans | $53,476,000 | 5,185 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2242% | 321 |
| Cost of funding earning assets | 0.9026% | 4,643 |
| Net interest margin | 5.3215% | 235 |
| Noninterest income to average assets | 2.1204% | 337 |
| Noninterest expense to average assets | 3.6307% | 1,670 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.0553% | 316 |
| Return on assets (ROA) | 2.0553% | 324 |
| Pretax return on assets | 3.2375% | 126 |
| Return on Equity (ROE) | 16.4711% | 613 |
| Retained earnings to average equity (ytd only) | 16.4711% | 186 |
| Net charge-offs to loans | 0.0825% | 4,818 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 54.2727% | 585 |
| Efficiency ratio | 52.8622% | 6,728 |
| Assets per employee ($millions) | 3.1065% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 3,524 |
| Loan loss allowance to noncurrent loans | 130.1587% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 4.5349% | 1,387 |
| Noncurrent loans to loans | 1.2611% | 4,558 |
| Net loans and leases to total assets | 72.4982% | 1,686 |
| Net loans and leases to deposits | 84.0816% | 2,096 |
| Net loans and leases to core deposits | 89.0887% | 2,483 |
| Total domestic deposits to total assets | 86.2236% | 3,203 |
| Equity capital to assets | 12.8764% | 1,583 |
| Core capital (leverage) ratio | 12.7818% | 1,254 |
| Tier 1 risk-based capital ratio | 15.5125% | 3,233 |
| Total risk-based capital ratio | 16.7653% | 3,179 |
| Memoranda: | ||
| Average total assets | $73,760,670 | 5,727 |
| Average earning assets | $65,808,000 | 5,762 |
| Average equity | $9,204,000 | 5,262 |
| Average total loans | $53,350,000 | 5,233 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2156% | 328 |
| Cost of funding earning assets | 0.9403% | 4,641 |
| Net interest margin | 5.2753% | 230 |
| Noninterest income to average assets | 2.4045% | 285 |
| Noninterest expense to average assets | 3.4840% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.3063% | 227 |
| Return on assets (ROA) | 2.3063% | 239 |
| Pretax return on assets | 3.6312% | 120 |
| Return on Equity (ROE) | 18.7875% | 413 |
| Retained earnings to average equity (ytd only) | 18.7875% | 203 |
| Net charge-offs to loans | 0.1142% | 3,846 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 44.4000% | 629 |
| Efficiency ratio | 48.9655% | 7,066 |
| Assets per employee ($millions) | 3.2387% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 3,214 |
| Loan loss allowance to noncurrent loans | 710.1563% | 496 |
| Noncurrent assets plus other real estate owned to assets | 3.6636% | 1,852 |
| Noncurrent loans to loans | 0.2450% | 6,497 |
| Net loans and leases to total assets | 68.9082% | 2,349 |
| Net loans and leases to deposits | 79.8125% | 2,750 |
| Net loans and leases to core deposits | 84.5534% | 3,090 |
| Total domestic deposits to total assets | 86.3376% | 3,317 |
| Equity capital to assets | 12.3804% | 1,693 |
| Core capital (leverage) ratio | 12.4128% | 1,367 |
| Tier 1 risk-based capital ratio | 15.6075% | 3,099 |
| Total risk-based capital ratio | 16.8613% | 3,060 |
| Memoranda: | ||
| Average total assets | $73,363,500 | 5,775 |
| Average earning assets | $65,512,500 | 5,810 |
| Average equity | $9,006,000 | 5,328 |
| Average total loans | $52,548,500 | 5,306 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0419% | 784 |
| Cost of funding earning assets | 1.1292% | 4,970 |
| Net interest margin | 4.9126% | 530 |
| Noninterest income to average assets | 1.2043% | 1,032 |
| Noninterest expense to average assets | 3.4988% | 2,183 |
| Loan and lease loss provision to assets | 0.0655% | 6,489 |
| Net operating income to assets | 1.3681% | 1,012 |
| Return on assets (ROA) | 1.3681% | 1,087 |
| Pretax return on assets | 2.0979% | 389 |
| Return on Equity (ROE) | 11.5925% | 1,421 |
| Retained earnings to average equity (ytd only) | 2.3985% | 4,197 |
| Net charge-offs to loans | 0.0245% | 6,566 |
| Credit loss provision to net charge-offs | 357.1429% | 719 |
| Earnings coverage of net charge-offs (x) | 117.9286% | 217 |
| Efficiency ratio | 61.7913% | 5,764 |
| Assets per employee ($millions) | 3.0099% | 6,080 |
| Cash dividends to net income (ytd only)* | 79.3103% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7480% | 3,037 |
| Loan loss allowance to noncurrent loans | 646.1538% | 521 |
| Noncurrent assets plus other real estate owned to assets | 3.7598% | 1,825 |
| Noncurrent loans to loans | 0.2705% | 6,522 |
| Net loans and leases to total assets | 71.8943% | 2,124 |
| Net loans and leases to deposits | 82.7214% | 2,679 |
| Net loans and leases to core deposits | 90.6544% | 2,670 |
| Total domestic deposits to total assets | 86.9113% | 2,875 |
| Equity capital to assets | 12.1681% | 1,816 |
| Core capital (leverage) ratio | 11.8578% | 1,643 |
| Tier 1 risk-based capital ratio | 14.7096% | 3,419 |
| Total risk-based capital ratio | 15.9630% | 3,380 |
| Memoranda: | ||
| Average total assets | $76,312,600 | 5,703 |
| Average earning assets | $69,250,000 | 5,693 |
| Average equity | $9,005,800 | 5,425 |
| Average total loans | $57,035,000 | 5,198 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1433% | 693 |
| Cost of funding earning assets | 1.1514% | 5,140 |
| Net interest margin | 4.9919% | 449 |
| Noninterest income to average assets | 1.2207% | 932 |
| Noninterest expense to average assets | 3.2224% | 2,847 |
| Loan and lease loss provision to assets | 0.0690% | 6,375 |
| Net operating income to assets | 1.5569% | 814 |
| Return on assets (ROA) | 1.5569% | 890 |
| Pretax return on assets | 2.4741% | 236 |
| Return on Equity (ROE) | 13.2892% | 1,189 |
| Retained earnings to average equity (ytd only) | 13.2892% | 321 |
| Net charge-offs to loans | 0.0115% | 6,509 |
| Credit loss provision to net charge-offs | 800.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 294.8456% | 108 |
| Efficiency ratio | 55.8911% | 6,574 |
| Assets per employee ($millions) | 3.2762% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 3,387 |
| Loan loss allowance to noncurrent loans | 46.7105% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 4.3436% | 1,564 |
| Noncurrent loans to loans | 3.5031% | 2,260 |
| Net loans and leases to total assets | 73.6331% | 1,882 |
| Net loans and leases to deposits | 85.2865% | 2,468 |
| Net loans and leases to core deposits | 98.7348% | 1,966 |
| Total domestic deposits to total assets | 86.3361% | 2,893 |
| Equity capital to assets | 12.6168% | 1,800 |
| Core capital (leverage) ratio | 12.5361% | 1,391 |
| Tier 1 risk-based capital ratio | 15.5803% | 2,952 |
| Total risk-based capital ratio | 16.8331% | 2,914 |
| Memoranda: | ||
| Average total assets | $77,331,250 | 5,736 |
| Average earning assets | $70,406,000 | 5,725 |
| Average equity | $9,059,750 | 5,474 |
| Average total loans | $58,079,000 | 5,231 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1711% | 658 |
| Cost of funding earning assets | 1.1768% | 5,256 |
| Net interest margin | 4.9943% | 425 |
| Noninterest income to average assets | 1.2617% | 810 |
| Noninterest expense to average assets | 3.2183% | 2,841 |
| Loan and lease loss provision to assets | 0.1026% | 5,889 |
| Net operating income to assets | 1.5668% | 788 |
| Return on assets (ROA) | 1.5668% | 841 |
| Pretax return on assets | 2.4900% | 236 |
| Return on Equity (ROE) | 13.7139% | 1,095 |
| Retained earnings to average equity (ytd only) | 13.7139% | 323 |
| Net charge-offs to loans | -0.0034% | 7,090 |
| Credit loss provision to net charge-offs | -4,000.0000% | 7,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3839% | 6,717 |
| Assets per employee ($millions) | 3.5375% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 3,456 |
| Loan loss allowance to noncurrent loans | 67.8102% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 3.4269% | 2,056 |
| Noncurrent loans to loans | 2.3552% | 3,309 |
| Net loans and leases to total assets | 73.5474% | 2,013 |
| Net loans and leases to deposits | 86.3828% | 2,448 |
| Net loans and leases to core deposits | 99.2767% | 2,091 |
| Total domestic deposits to total assets | 85.1412% | 3,550 |
| Equity capital to assets | 11.8508% | 2,184 |
| Core capital (leverage) ratio | 11.9004% | 1,705 |
| Tier 1 risk-based capital ratio | 14.5549% | 3,413 |
| Total risk-based capital ratio | 15.8082% | 3,374 |
| Memoranda: | ||
| Average total assets | $77,991,000 | 5,757 |
| Average earning assets | $71,041,330 | 5,739 |
| Average equity | $8,910,670 | 5,526 |
| Average total loans | $58,636,330 | 5,242 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4791% | 372 |
| Cost of funding earning assets | 1.2194% | 5,288 |
| Net interest margin | 5.2597% | 258 |
| Noninterest income to average assets | 1.0913% | 1,060 |
| Noninterest expense to average assets | 3.0740% | 3,371 |
| Loan and lease loss provision to assets | 0.1537% | 4,994 |
| Net operating income to assets | 1.6753% | 647 |
| Return on assets (ROA) | 1.6753% | 696 |
| Pretax return on assets | 2.6590% | 198 |
| Return on Equity (ROE) | 14.9409% | 888 |
| Retained earnings to average equity (ytd only) | 14.9409% | 416 |
| Net charge-offs to loans | 0.0068% | 5,509 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 549.0000% | 44 |
| Efficiency ratio | 52.2193% | 7,128 |
| Assets per employee ($millions) | 3.3640% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 3,519 |
| Loan loss allowance to noncurrent loans | 804.3860% | 403 |
| Noncurrent assets plus other real estate owned to assets | 1.8237% | 3,750 |
| Noncurrent loans to loans | 0.1969% | 6,949 |
| Net loans and leases to total assets | 73.6309% | 2,049 |
| Net loans and leases to deposits | 84.4598% | 2,863 |
| Net loans and leases to core deposits | 97.3430% | 2,417 |
| Total domestic deposits to total assets | 87.1787% | 2,535 |
| Equity capital to assets | 11.5082% | 2,356 |
| Core capital (leverage) ratio | 11.4598% | 1,936 |
| Tier 1 risk-based capital ratio | 14.5579% | 3,350 |
| Total risk-based capital ratio | 15.8106% | 3,311 |
| Memoranda: | ||
| Average total assets | $78,073,500 | 5,822 |
| Average earning assets | $71,183,000 | 5,809 |
| Average equity | $8,754,500 | 5,608 |
| Average total loans | $58,870,500 | 5,301 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5295% | 631 |
| Cost of funding earning assets | 1.4810% | 5,590 |
| Net interest margin | 5.0485% | 409 |
| Noninterest income to average assets | 1.6207% | 550 |
| Noninterest expense to average assets | 4.3225% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8845% | 2,230 |
| Return on assets (ROA) | 0.6724% | 3,103 |
| Pretax return on assets | 1.3664% | 1,511 |
| Return on Equity (ROE) | 5.4696% | 3,446 |
| Retained earnings to average equity (ytd only) | -3.6537% | 5,812 |
| Net charge-offs to loans | 0.1299% | 5,899 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 17.4306% | 1,189 |
| Efficiency ratio | 71.7978% | 4,291 |
| Assets per employee ($millions) | 3.2823% | 5,534 |
| Cash dividends to net income (ytd only)* | 166.8008% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 3,810 |
| Loan loss allowance to noncurrent loans | 862.1359% | 409 |
| Noncurrent assets plus other real estate owned to assets | 1.8051% | 3,659 |
| Noncurrent loans to loans | 0.1721% | 6,990 |
| Net loans and leases to total assets | 74.8540% | 2,063 |
| Net loans and leases to deposits | 90.8736% | 2,069 |
| Net loans and leases to core deposits | 128.1418% | 1,387 |
| Total domestic deposits to total assets | 82.3715% | 4,786 |
| Equity capital to assets | 10.9234% | 2,758 |
| Core capital (leverage) ratio | 11.0497% | 2,200 |
| Tier 1 risk-based capital ratio | 13.2127% | 4,006 |
| Total risk-based capital ratio | 14.4635% | 3,952 |
| Memoranda: | ||
| Average total assets | $73,916,400 | 5,891 |
| Average earning assets | $64,415,200 | 5,979 |
| Average equity | $9,086,600 | 5,582 |
| Average total loans | $55,436,000 | 5,440 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7718% | 445 |
| Cost of funding earning assets | 1.5527% | 5,620 |
| Net interest margin | 5.2191% | 291 |
| Noninterest income to average assets | 1.7221% | 494 |
| Noninterest expense to average assets | 4.3941% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1477% | 1,591 |
| Return on assets (ROA) | 0.8601% | 2,640 |
| Pretax return on assets | 1.3663% | 1,781 |
| Return on Equity (ROE) | 6.7918% | 3,171 |
| Retained earnings to average equity (ytd only) | 6.7918% | 1,594 |
| Net charge-offs to loans | 0.0319% | 6,445 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 76.1668% | 447 |
| Efficiency ratio | 70.7620% | 4,461 |
| Assets per employee ($millions) | 3.0739% | 5,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6438% | 2,832 |
| Loan loss allowance to noncurrent loans | 94,700.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 1.7372% | 3,763 |
| Noncurrent loans to loans | 0.0017% | 7,538 |
| Net loans and leases to total assets | 73.7326% | 2,611 |
| Net loans and leases to deposits | 88.8774% | 2,810 |
| Net loans and leases to core deposits | 125.7563% | 1,758 |
| Total domestic deposits to total assets | 82.9599% | 4,243 |
| Equity capital to assets | 12.2710% | 2,086 |
| Core capital (leverage) ratio | 12.7473% | 1,474 |
| Tier 1 risk-based capital ratio | 15.1100% | 2,994 |
| Total risk-based capital ratio | 16.3639% | 2,930 |
| Memoranda: | ||
| Average total assets | $72,701,500 | 5,962 |
| Average earning assets | $62,512,250 | 6,087 |
| Average equity | $9,207,000 | 5,587 |
| Average total loans | $54,331,250 | 5,544 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9820% | 329 |
| Cost of funding earning assets | 1.6307% | 5,606 |
| Net interest margin | 5.3513% | 228 |
| Noninterest income to average assets | 1.7387% | 483 |
| Noninterest expense to average assets | 4.7589% | 610 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9417% | 2,305 |
| Return on assets (ROA) | 0.5020% | 4,201 |
| Pretax return on assets | 0.8020% | 3,664 |
| Return on Equity (ROE) | 3.9200% | 4,526 |
| Retained earnings to average equity (ytd only) | 3.9200% | 3,098 |
| Net charge-offs to loans | 0.0526% | 5,754 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 37.9286% | 844 |
| Efficiency ratio | 76.1670% | 3,657 |
| Assets per employee ($millions) | 3.0256% | 6,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6885% | 2,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8330% | 3,424 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 75.8531% | 2,217 |
| Net loans and leases to deposits | 93.4732% | 2,176 |
| Net loans and leases to core deposits | 120.6043% | 2,311 |
| Total domestic deposits to total assets | 81.1496% | 5,022 |
| Equity capital to assets | 12.6023% | 1,878 |
| Core capital (leverage) ratio | 12.9509% | 1,448 |
| Tier 1 risk-based capital ratio | 15.5444% | 2,800 |
| Total risk-based capital ratio | 16.7986% | 2,724 |
| Memoranda: | ||
| Average total assets | $71,319,330 | 6,049 |
| Average earning assets | $60,097,000 | 6,220 |
| Average equity | $9,132,670 | 5,638 |
| Average total loans | $53,238,670 | 5,626 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5917% | 717 |
| Cost of funding earning assets | 1.7114% | 5,551 |
| Net interest margin | 4.8803% | 525 |
| Noninterest income to average assets | 1.4037% | 715 |
| Noninterest expense to average assets | 3.4695% | 2,174 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2982% | 1,387 |
| Return on assets (ROA) | 1.3018% | 1,476 |
| Pretax return on assets | 2.0715% | 569 |
| Return on Equity (ROE) | 10.0838% | 2,282 |
| Retained earnings to average equity (ytd only) | 10.0838% | 1,167 |
| Net charge-offs to loans | 0.0077% | 5,560 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 365.0000% | 96 |
| Efficiency ratio | 62.6789% | 5,936 |
| Assets per employee ($millions) | 2.8216% | 6,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8235% | 1,797 |
| Loan loss allowance to noncurrent loans | 6,850.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 1.8557% | 3,138 |
| Noncurrent loans to loans | 0.0266% | 7,477 |
| Net loans and leases to total assets | 73.1968% | 2,962 |
| Net loans and leases to deposits | 85.1005% | 3,797 |
| Net loans and leases to core deposits | 109.3665% | 3,518 |
| Total domestic deposits to total assets | 86.0122% | 2,711 |
| Equity capital to assets | 13.0904% | 1,707 |
| Core capital (leverage) ratio | 12.8309% | 1,544 |
| Tier 1 risk-based capital ratio | 16.0314% | 2,683 |
| Total risk-based capital ratio | 17.2862% | 2,617 |
| Memoranda: | ||
| Average total assets | $70,672,000 | 6,103 |
| Average earning assets | $59,832,500 | 6,267 |
| Average equity | $9,123,500 | 5,656 |
| Average total loans | $51,845,000 | 5,726 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5651% | 361 |
| Cost of funding earning assets | 2.0313% | 6,315 |
| Net interest margin | 5.5338% | 196 |
| Noninterest income to average assets | 1.2509% | 944 |
| Noninterest expense to average assets | 3.8876% | 1,583 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5201% | 979 |
| Return on assets (ROA) | 1.5346% | 922 |
| Pretax return on assets | 2.3898% | 251 |
| Return on Equity (ROE) | 11.2901% | 1,819 |
| Retained earnings to average equity (ytd only) | -4.3721% | 6,395 |
| Net charge-offs to loans | 0.0396% | 6,234 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 75.8636% | 539 |
| Efficiency ratio | 62.1542% | 5,926 |
| Assets per employee ($millions) | 2.8322% | 6,484 |
| Cash dividends to net income (ytd only)* | 138.7246% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8787% | 1,466 |
| Loan loss allowance to noncurrent loans | 48,000.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 1.7005% | 2,859 |
| Noncurrent loans to loans | 0.0039% | 7,549 |
| Net loans and leases to total assets | 70.8124% | 3,832 |
| Net loans and leases to deposits | 81.9275% | 4,741 |
| Net loans and leases to core deposits | 109.1214% | 3,853 |
| Total domestic deposits to total assets | 86.4330% | 2,200 |
| Equity capital to assets | 12.7295% | 1,905 |
| Core capital (leverage) ratio | 12.3431% | 1,808 |
| Tier 1 risk-based capital ratio | 15.7047% | 2,776 |
| Total risk-based capital ratio | 16.9604% | 2,706 |
| Memoranda: | ||
| Average total assets | $70,506,600 | 6,022 |
| Average earning assets | $63,753,400 | 6,028 |
| Average equity | $9,583,600 | 5,541 |
| Average total loans | $55,597,200 | 5,464 |