Home > State Bank of Alcester > Performance and Condition Ratios
State Bank of Alcester, Performance and Condition Ratios
| 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 | 4.1647% | 2,734 |
| Cost of funding earning assets | 0.9440% | 265 |
| Net interest margin | 3.2207% | 4,400 |
| Noninterest income to average assets | 0.4315% | 3,464 |
| Noninterest expense to average assets | 2.6457% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8390% | 3,331 |
| Return on assets (ROA) | 0.8390% | 3,376 |
| Pretax return on assets | 0.8826% | 4,093 |
| Return on Equity (ROE) | 9.4334% | 2,390 |
| Retained earnings to average equity (ytd only) | 6.3707% | 2,023 |
| Net charge-offs to loans | 0.0185% | 3,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 67.4981% | 918 |
| Efficiency ratio | 74.9846% | 1,747 |
| Assets per employee ($millions) | 4.9146% | 2,562 |
| Cash dividends to net income (ytd only)* | 32.4681% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 4,464 |
| Loan loss allowance to noncurrent loans | 2,247.2222% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 5,097 |
| Noncurrent loans to loans | 0.0409% | 4,931 |
| Net loans and leases to total assets | 70.9305% | 2,419 |
| Net loans and leases to deposits | 88.3173% | 2,013 |
| Net loans and leases to core deposits | 103.6908% | 1,408 |
| Total domestic deposits to total assets | 80.3132% | 4,251 |
| Equity capital to assets | 9.0873% | 4,833 |
| Core capital (leverage) ratio | 8.9207% | 4,835 |
| Tier 1 risk-based capital ratio | 13.5254% | 3,687 |
| Total risk-based capital ratio | 14.5078% | 3,762 |
| Memoranda: | ||
| Average total assets | $122,360,250 | 3,899 |
| Average earning assets | $117,654,000 | 3,828 |
| Average equity | $10,883,000 | 4,362 |
| Average total loans | $86,700,500 | 3,622 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0762% | 2,904 |
| Cost of funding earning assets | 0.9391% | 242 |
| Net interest margin | 3.1371% | 4,583 |
| Noninterest income to average assets | 0.4468% | 3,378 |
| Noninterest expense to average assets | 2.6532% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7709% | 3,540 |
| Return on assets (ROA) | 0.7709% | 3,591 |
| Pretax return on assets | 0.8118% | 4,228 |
| Return on Equity (ROE) | 8.7311% | 2,646 |
| Retained earnings to average equity (ytd only) | 6.4139% | 1,894 |
| Net charge-offs to loans | 0.0394% | 2,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 29.1765% | 1,481 |
| Efficiency ratio | 76.5706% | 1,634 |
| Assets per employee ($millions) | 4.7554% | 2,710 |
| Cash dividends to net income (ytd only)* | 26.5393% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 4,571 |
| Loan loss allowance to noncurrent loans | 644.0000% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 4,793 |
| Noncurrent loans to loans | 0.1423% | 4,553 |
| Net loans and leases to total assets | 70.3723% | 2,469 |
| Net loans and leases to deposits | 87.3199% | 2,066 |
| Net loans and leases to core deposits | 102.4021% | 1,476 |
| Total domestic deposits to total assets | 80.5914% | 4,288 |
| Equity capital to assets | 8.8903% | 4,999 |
| Core capital (leverage) ratio | 8.9388% | 4,790 |
| Tier 1 risk-based capital ratio | 13.4175% | 3,736 |
| Total risk-based capital ratio | 14.4027% | 3,816 |
| Memoranda: | ||
| Average total assets | $122,192,330 | 3,928 |
| Average earning assets | $117,561,670 | 3,845 |
| Average equity | $10,789,000 | 4,393 |
| Average total loans | $86,281,670 | 3,649 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9849% | 3,098 |
| Cost of funding earning assets | 0.9156% | 254 |
| Net interest margin | 3.0692% | 4,737 |
| Noninterest income to average assets | 0.3952% | 3,700 |
| Noninterest expense to average assets | 2.6970% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6125% | 4,100 |
| Return on assets (ROA) | 0.6125% | 4,159 |
| Pretax return on assets | 0.6454% | 4,609 |
| Return on Equity (ROE) | 6.9614% | 3,415 |
| Retained earnings to average equity (ytd only) | 6.9614% | 1,861 |
| Net charge-offs to loans | -0.0047% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6897% | 1,295 |
| Assets per employee ($millions) | 4.8971% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 4,443 |
| Loan loss allowance to noncurrent loans | 61.0534% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 1,616 |
| Noncurrent loans to loans | 1.5887% | 1,229 |
| Net loans and leases to total assets | 68.6319% | 2,580 |
| Net loans and leases to deposits | 85.1989% | 2,130 |
| Net loans and leases to core deposits | 98.3934% | 1,631 |
| Total domestic deposits to total assets | 80.5549% | 4,511 |
| Equity capital to assets | 8.8273% | 4,974 |
| Core capital (leverage) ratio | 8.8860% | 4,859 |
| Tier 1 risk-based capital ratio | 13.5456% | 3,750 |
| Total risk-based capital ratio | 14.5775% | 3,786 |
| Memoranda: | ||
| Average total assets | $121,468,000 | 3,972 |
| Average earning assets | $116,641,000 | 3,905 |
| Average equity | $10,687,500 | 4,436 |
| Average total loans | $85,515,500 | 3,698 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 2,662 |
| Cost of funding earning assets | 0.9072% | 283 |
| Net interest margin | 3.2417% | 4,323 |
| Noninterest income to average assets | 0.3929% | 3,947 |
| Noninterest expense to average assets | 2.7941% | 3,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6775% | 3,883 |
| Return on assets (ROA) | 0.6775% | 3,998 |
| Pretax return on assets | 0.7128% | 4,449 |
| Return on Equity (ROE) | 7.6283% | 3,154 |
| Retained earnings to average equity (ytd only) | 2.9020% | 3,832 |
| Net charge-offs to loans | 0.0093% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 106.1250% | 570 |
| Efficiency ratio | 79.6744% | 1,458 |
| Assets per employee ($millions) | 4.6350% | 2,906 |
| Cash dividends to net income (ytd only)* | 61.9579% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 4,558 |
| Loan loss allowance to noncurrent loans | 622.7273% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 4,873 |
| Noncurrent loans to loans | 0.1532% | 4,624 |
| Net loans and leases to total assets | 70.8345% | 2,365 |
| Net loans and leases to deposits | 88.1429% | 1,906 |
| Net loans and leases to core deposits | 103.1328% | 1,350 |
| Total domestic deposits to total assets | 80.3633% | 4,495 |
| Equity capital to assets | 8.7695% | 5,047 |
| Core capital (leverage) ratio | 8.9581% | 4,789 |
| Tier 1 risk-based capital ratio | 12.8880% | 4,141 |
| Total risk-based capital ratio | 13.8858% | 4,189 |
| Memoranda: | ||
| Average total assets | $119,108,400 | 4,012 |
| Average earning assets | $114,414,600 | 3,919 |
| Average equity | $10,579,000 | 4,482 |
| Average total loans | $86,001,000 | 3,664 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 2,630 |
| Cost of funding earning assets | 0.9122% | 270 |
| Net interest margin | 3.2528% | 4,340 |
| Noninterest income to average assets | 0.4233% | 3,743 |
| Noninterest expense to average assets | 2.8584% | 2,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6568% | 4,049 |
| Return on assets (ROA) | 0.6568% | 4,169 |
| Pretax return on assets | 0.6916% | 4,631 |
| Return on Equity (ROE) | 7.3710% | 3,370 |
| Retained earnings to average equity (ytd only) | 2.6460% | 4,330 |
| Net charge-offs to loans | -0.0015% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5187% | 1,371 |
| Assets per employee ($millions) | 4.4987% | 3,090 |
| Cash dividends to net income (ytd only)* | 64.1029% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 4,564 |
| Loan loss allowance to noncurrent loans | 590.0709% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 4,948 |
| Noncurrent loans to loans | 0.1643% | 4,699 |
| Net loans and leases to total assets | 72.6493% | 2,076 |
| Net loans and leases to deposits | 91.7310% | 1,531 |
| Net loans and leases to core deposits | 107.1618% | 1,104 |
| Total domestic deposits to total assets | 79.1982% | 4,673 |
| Equity capital to assets | 9.1608% | 5,017 |
| Core capital (leverage) ratio | 8.9721% | 4,859 |
| Tier 1 risk-based capital ratio | 13.1498% | 4,067 |
| Total risk-based capital ratio | 14.1897% | 4,106 |
| Memoranda: | ||
| Average total assets | $118,758,250 | 4,045 |
| Average earning assets | $114,155,000 | 3,946 |
| Average equity | $10,581,750 | 4,524 |
| Average total loans | $85,955,250 | 3,682 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 2,744 |
| Cost of funding earning assets | 0.9157% | 266 |
| Net interest margin | 3.2153% | 4,497 |
| Noninterest income to average assets | 0.4089% | 3,810 |
| Noninterest expense to average assets | 2.8771% | 2,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5949% | 4,298 |
| Return on assets (ROA) | 0.5949% | 4,420 |
| Pretax return on assets | 0.6267% | 4,823 |
| Return on Equity (ROE) | 6.7379% | 3,675 |
| Retained earnings to average equity (ytd only) | 1.9929% | 4,567 |
| Net charge-offs to loans | -0.0023% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1138% | 1,254 |
| Assets per employee ($millions) | 4.5023% | 3,026 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 4,643 |
| Loan loss allowance to noncurrent loans | 589.3617% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 4,843 |
| Noncurrent loans to loans | 0.1655% | 4,779 |
| Net loans and leases to total assets | 72.0807% | 2,152 |
| Net loans and leases to deposits | 89.5788% | 1,800 |
| Net loans and leases to core deposits | 103.0974% | 1,392 |
| Total domestic deposits to total assets | 80.4663% | 4,424 |
| Equity capital to assets | 9.1270% | 5,133 |
| Core capital (leverage) ratio | 8.8205% | 5,033 |
| Tier 1 risk-based capital ratio | 13.4852% | 3,918 |
| Total risk-based capital ratio | 14.5611% | 3,933 |
| Memoranda: | ||
| Average total assets | $119,355,670 | 4,056 |
| Average earning assets | $114,889,670 | 3,963 |
| Average equity | $10,537,330 | 4,558 |
| Average total loans | $86,004,670 | 3,692 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 2,612 |
| Cost of funding earning assets | 0.9343% | 246 |
| Net interest margin | 3.2270% | 4,486 |
| Noninterest income to average assets | 0.4382% | 3,556 |
| Noninterest expense to average assets | 2.9443% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5709% | 4,312 |
| Return on assets (ROA) | 0.5709% | 4,425 |
| Pretax return on assets | 0.6008% | 4,820 |
| Return on Equity (ROE) | 6.5749% | 3,687 |
| Retained earnings to average equity (ytd only) | 1.7966% | 4,547 |
| Net charge-offs to loans | -0.0046% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0524% | 1,252 |
| Assets per employee ($millions) | 4.8443% | 2,521 |
| Cash dividends to net income (ytd only)* | 72.6744% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9832% | 4,702 |
| Loan loss allowance to noncurrent loans | 461.6667% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 4,815 |
| Noncurrent loans to loans | 0.2130% | 4,666 |
| Net loans and leases to total assets | 69.0995% | 2,479 |
| Net loans and leases to deposits | 84.9473% | 2,198 |
| Net loans and leases to core deposits | 100.9043% | 1,413 |
| Total domestic deposits to total assets | 81.3439% | 4,393 |
| Equity capital to assets | 8.7377% | 5,394 |
| Core capital (leverage) ratio | 8.5341% | 5,360 |
| Tier 1 risk-based capital ratio | 12.4767% | 4,592 |
| Total risk-based capital ratio | 13.4776% | 4,671 |
| Memoranda: | ||
| Average total assets | $120,504,000 | 4,061 |
| Average earning assets | $116,019,500 | 3,973 |
| Average equity | $10,464,000 | 4,587 |
| Average total loans | $86,403,000 | 3,695 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1990% | 2,563 |
| Cost of funding earning assets | 1.0247% | 149 |
| Net interest margin | 3.1743% | 4,699 |
| Noninterest income to average assets | 0.3999% | 4,036 |
| Noninterest expense to average assets | 2.8600% | 2,995 |
| Loan and lease loss provision to assets | 0.0500% | 3,320 |
| Net operating income to assets | 0.5024% | 4,684 |
| Return on assets (ROA) | 0.5024% | 4,777 |
| Pretax return on assets | 0.5274% | 5,050 |
| Return on Equity (ROE) | 5.8265% | 4,121 |
| Retained earnings to average equity (ytd only) | 0.9952% | 5,117 |
| Net charge-offs to loans | 0.0045% | 4,289 |
| Credit loss provision to net charge-offs | 1,500.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 173.2500% | 377 |
| Efficiency ratio | 83.2041% | 1,253 |
| Assets per employee ($millions) | 4.4407% | 3,137 |
| Cash dividends to net income (ytd only)* | 82.9187% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 4,914 |
| Loan loss allowance to noncurrent loans | 1,276.9231% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 5,054 |
| Noncurrent loans to loans | 0.0736% | 5,211 |
| Net loans and leases to total assets | 72.9441% | 1,900 |
| Net loans and leases to deposits | 93.1724% | 1,292 |
| Net loans and leases to core deposits | 101.8090% | 1,377 |
| Total domestic deposits to total assets | 78.2894% | 5,105 |
| Equity capital to assets | 8.6289% | 5,443 |
| Core capital (leverage) ratio | 8.6840% | 5,232 |
| Tier 1 risk-based capital ratio | 11.7907% | 5,076 |
| Total risk-based capital ratio | 12.7399% | 5,168 |
| Memoranda: | ||
| Average total assets | $120,033,000 | 4,067 |
| Average earning assets | $114,861,000 | 3,985 |
| Average equity | $10,349,200 | 4,591 |
| Average total loans | $88,787,800 | 3,615 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 2,516 |
| Cost of funding earning assets | 1.0493% | 135 |
| Net interest margin | 3.1688% | 4,776 |
| Noninterest income to average assets | 0.3887% | 4,163 |
| Noninterest expense to average assets | 2.8883% | 2,886 |
| Loan and lease loss provision to assets | 0.0500% | 3,209 |
| Net operating income to assets | 0.4542% | 4,959 |
| Return on assets (ROA) | 0.4542% | 5,048 |
| Pretax return on assets | 0.4786% | 5,273 |
| Return on Equity (ROE) | 5.2688% | 4,507 |
| Retained earnings to average equity (ytd only) | 0.4380% | 5,496 |
| Net charge-offs to loans | -0.0090% | 4,955 |
| Credit loss provision to net charge-offs | -750.0000% | 5,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5304% | 1,120 |
| Assets per employee ($millions) | 4.3095% | 3,304 |
| Cash dividends to net income (ytd only)* | 91.6874% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 4,927 |
| Loan loss allowance to noncurrent loans | 1,044.3038% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 5,160 |
| Noncurrent loans to loans | 0.0922% | 5,259 |
| Net loans and leases to total assets | 72.9161% | 1,922 |
| Net loans and leases to deposits | 97.1388% | 894 |
| Net loans and leases to core deposits | 112.2381% | 751 |
| Total domestic deposits to total assets | 75.0638% | 5,619 |
| Equity capital to assets | 8.9225% | 5,378 |
| Core capital (leverage) ratio | 8.5634% | 5,504 |
| Tier 1 risk-based capital ratio | 11.9078% | 5,136 |
| Total risk-based capital ratio | 12.8670% | 5,242 |
| Memoranda: | ||
| Average total assets | $120,066,250 | 4,116 |
| Average earning assets | $114,742,500 | 4,029 |
| Average equity | $10,350,000 | 4,644 |
| Average total loans | $88,912,250 | 3,645 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1747% | 2,636 |
| Cost of funding earning assets | 1.0557% | 126 |
| Net interest margin | 3.1189% | 4,917 |
| Noninterest income to average assets | 0.3429% | 4,502 |
| Noninterest expense to average assets | 2.7732% | 3,340 |
| Loan and lease loss provision to assets | 0.0495% | 3,129 |
| Net operating income to assets | 0.4765% | 4,863 |
| Return on assets (ROA) | 0.4765% | 4,962 |
| Pretax return on assets | 0.5012% | 5,223 |
| Return on Equity (ROE) | 5.5903% | 4,328 |
| Retained earnings to average equity (ytd only) | 0.7544% | 5,251 |
| Net charge-offs to loans | -0.0022% | 4,599 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4325% | 1,323 |
| Assets per employee ($millions) | 4.7338% | 2,627 |
| Cash dividends to net income (ytd only)* | 86.5052% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 5,166 |
| Loan loss allowance to noncurrent loans | 77.6278% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 0.9582% | 2,611 |
| Noncurrent loans to loans | 1.2038% | 2,253 |
| Net loans and leases to total assets | 72.1123% | 1,957 |
| Net loans and leases to deposits | 96.2034% | 946 |
| Net loans and leases to core deposits | 109.9740% | 838 |
| Total domestic deposits to total assets | 74.9582% | 5,709 |
| Equity capital to assets | 8.7405% | 5,493 |
| Core capital (leverage) ratio | 8.5097% | 5,520 |
| Tier 1 risk-based capital ratio | 11.8835% | 5,228 |
| Total risk-based capital ratio | 12.8170% | 5,339 |
| Memoranda: | ||
| Average total assets | $121,302,670 | 4,134 |
| Average earning assets | $115,937,330 | 4,036 |
| Average equity | $10,339,330 | 4,680 |
| Average total loans | $89,993,670 | 3,642 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 2,308 |
| Cost of funding earning assets | 1.0603% | 126 |
| Net interest margin | 3.1809% | 4,675 |
| Noninterest income to average assets | 0.3193% | 4,632 |
| Noninterest expense to average assets | 2.8115% | 3,212 |
| Loan and lease loss provision to assets | 0.0977% | 2,068 |
| Net operating income to assets | 0.4268% | 4,964 |
| Return on assets (ROA) | 0.4268% | 5,087 |
| Pretax return on assets | 0.4496% | 5,322 |
| Return on Equity (ROE) | 5.0692% | 4,499 |
| Retained earnings to average equity (ytd only) | 0.2322% | 5,289 |
| Net charge-offs to loans | -0.0087% | 4,664 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7051% | 1,414 |
| Assets per employee ($millions) | 4.8856% | 2,510 |
| Cash dividends to net income (ytd only)* | 95.4198% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 5,388 |
| Loan loss allowance to noncurrent loans | 196.1071% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 4,088 |
| Noncurrent loans to loans | 0.4672% | 4,181 |
| Net loans and leases to total assets | 71.3605% | 1,923 |
| Net loans and leases to deposits | 94.3514% | 946 |
| Net loans and leases to core deposits | 108.6703% | 800 |
| Total domestic deposits to total assets | 75.6327% | 5,773 |
| Equity capital to assets | 8.4936% | 5,747 |
| Core capital (leverage) ratio | 8.2920% | 5,736 |
| Tier 1 risk-based capital ratio | 11.6129% | 5,489 |
| Total risk-based capital ratio | 12.5293% | 5,585 |
| Memoranda: | ||
| Average total assets | $122,781,000 | 4,132 |
| Average earning assets | $117,324,500 | 4,030 |
| Average equity | $10,337,000 | 4,714 |
| Average total loans | $91,917,000 | 3,616 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 2,689 |
| Cost of funding earning assets | 1.0722% | 159 |
| Net interest margin | 3.2060% | 4,896 |
| Noninterest income to average assets | 0.3785% | 4,357 |
| Noninterest expense to average assets | 2.6025% | 4,207 |
| Loan and lease loss provision to assets | -0.0843% | 6,117 |
| Net operating income to assets | 0.8902% | 2,925 |
| Return on assets (ROA) | 0.8894% | 3,008 |
| Pretax return on assets | 0.9248% | 3,801 |
| Return on Equity (ROE) | 10.4549% | 1,925 |
| Retained earnings to average equity (ytd only) | 5.5000% | 2,258 |
| Net charge-offs to loans | 0.0134% | 4,618 |
| Credit loss provision to net charge-offs | -833.3333% | 5,874 |
| Earnings coverage of net charge-offs (x) | 83.1667% | 606 |
| Efficiency ratio | 75.5692% | 2,581 |
| Assets per employee ($millions) | 5.8773% | 1,469 |
| Cash dividends to net income (ytd only)* | 47.3934% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 5,751 |
| Loan loss allowance to noncurrent loans | 171.0817% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 4,090 |
| Noncurrent loans to loans | 0.4725% | 4,243 |
| Net loans and leases to total assets | 77.0472% | 1,122 |
| Net loans and leases to deposits | 106.9253% | 325 |
| Net loans and leases to core deposits | 119.2581% | 430 |
| Total domestic deposits to total assets | 72.0571% | 6,080 |
| Equity capital to assets | 8.3453% | 5,867 |
| Core capital (leverage) ratio | 8.4579% | 5,598 |
| Tier 1 risk-based capital ratio | 11.0296% | 5,894 |
| Total risk-based capital ratio | 11.8670% | 6,000 |
| Memoranda: | ||
| Average total assets | $118,616,000 | 4,211 |
| Average earning assets | $113,413,000 | 4,105 |
| Average equity | $10,091,000 | 4,733 |
| Average total loans | $89,576,400 | 3,640 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 2,789 |
| Cost of funding earning assets | 1.0636% | 182 |
| Net interest margin | 3.1921% | 4,993 |
| Noninterest income to average assets | 0.3702% | 4,467 |
| Noninterest expense to average assets | 2.5232% | 4,453 |
| Loan and lease loss provision to assets | -0.1136% | 6,299 |
| Net operating income to assets | 0.9822% | 2,531 |
| Return on assets (ROA) | 0.9822% | 2,598 |
| Pretax return on assets | 1.0174% | 3,531 |
| Return on Equity (ROE) | 11.4885% | 1,629 |
| Retained earnings to average equity (ytd only) | 6.5080% | 2,099 |
| Net charge-offs to loans | 0.0212% | 4,097 |
| Credit loss provision to net charge-offs | -714.2857% | 5,822 |
| Earnings coverage of net charge-offs (x) | 56.8457% | 899 |
| Efficiency ratio | 73.6249% | 2,882 |
| Assets per employee ($millions) | 4.7840% | 2,543 |
| Cash dividends to net income (ytd only)* | 43.3530% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 5,743 |
| Loan loss allowance to noncurrent loans | 1,488.4615% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 5,241 |
| Noncurrent loans to loans | 0.0572% | 5,785 |
| Net loans and leases to total assets | 75.4158% | 1,304 |
| Net loans and leases to deposits | 104.0022% | 407 |
| Net loans and leases to core deposits | 117.0430% | 462 |
| Total domestic deposits to total assets | 72.5136% | 6,135 |
| Equity capital to assets | 8.5810% | 5,740 |
| Core capital (leverage) ratio | 8.5870% | 5,561 |
| Tier 1 risk-based capital ratio | 11.7415% | 5,649 |
| Total risk-based capital ratio | 12.6375% | 5,777 |
| Memoranda: | ||
| Average total assets | $117,414,250 | 4,272 |
| Average earning assets | $112,443,000 | 4,157 |
| Average equity | $10,038,750 | 4,776 |
| Average total loans | $88,003,250 | 3,706 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 2,977 |
| Cost of funding earning assets | 1.0579% | 189 |
| Net interest margin | 3.1343% | 5,144 |
| Noninterest income to average assets | 0.3188% | 4,867 |
| Noninterest expense to average assets | 2.4939% | 4,592 |
| Loan and lease loss provision to assets | -0.1714% | 6,444 |
| Net operating income to assets | 0.9769% | 2,426 |
| Return on assets (ROA) | 0.9753% | 2,512 |
| Pretax return on assets | 1.0010% | 3,474 |
| Return on Equity (ROE) | 11.4211% | 1,590 |
| Retained earnings to average equity (ytd only) | 6.4031% | 2,089 |
| Net charge-offs to loans | 0.0046% | 4,223 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,909 |
| Earnings coverage of net charge-offs (x) | 242.5000% | 277 |
| Efficiency ratio | 75.0000% | 2,807 |
| Assets per employee ($millions) | 4.6443% | 2,709 |
| Cash dividends to net income (ytd only)* | 43.9367% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 5,722 |
| Loan loss allowance to noncurrent loans | 720.1835% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 5,375 |
| Noncurrent loans to loans | 0.1250% | 5,646 |
| Net loans and leases to total assets | 74.4115% | 1,385 |
| Net loans and leases to deposits | 97.6193% | 693 |
| Net loans and leases to core deposits | 107.7457% | 782 |
| Total domestic deposits to total assets | 76.2262% | 5,889 |
| Equity capital to assets | 8.7075% | 5,608 |
| Core capital (leverage) ratio | 8.4649% | 5,665 |
| Tier 1 risk-based capital ratio | 11.9911% | 5,545 |
| Total risk-based capital ratio | 12.9350% | 5,648 |
| Memoranda: | ||
| Average total assets | $116,685,330 | 4,314 |
| Average earning assets | $111,923,330 | 4,189 |
| Average equity | $9,964,000 | 4,812 |
| Average total loans | $87,013,670 | 3,745 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 3,214 |
| Cost of funding earning assets | 1.0427% | 221 |
| Net interest margin | 3.0747% | 5,323 |
| Noninterest income to average assets | 0.3078% | 4,899 |
| Noninterest expense to average assets | 2.5031% | 4,616 |
| Loan and lease loss provision to assets | -0.3420% | 6,631 |
| Net operating income to assets | 1.0942% | 1,836 |
| Return on assets (ROA) | 1.0908% | 1,912 |
| Pretax return on assets | 1.0977% | 2,912 |
| Return on Equity (ROE) | 12.9006% | 1,183 |
| Retained earnings to average equity (ytd only) | 7.8455% | 1,664 |
| Net charge-offs to loans | -0.0046% | 4,802 |
| Credit loss provision to net charge-offs | 10,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7296% | 2,684 |
| Assets per employee ($millions) | 4.7711% | 2,560 |
| Cash dividends to net income (ytd only)* | 39.1850% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 5,826 |
| Loan loss allowance to noncurrent loans | 1,459.2593% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 5,713 |
| Noncurrent loans to loans | 0.0626% | 5,963 |
| Net loans and leases to total assets | 71.6444% | 1,625 |
| Net loans and leases to deposits | 93.0498% | 869 |
| Net loans and leases to core deposits | 103.5504% | 885 |
| Total domestic deposits to total assets | 76.9958% | 5,963 |
| Equity capital to assets | 8.3779% | 5,762 |
| Core capital (leverage) ratio | 8.5602% | 5,571 |
| Tier 1 risk-based capital ratio | 11.8422% | 5,732 |
| Total risk-based capital ratio | 12.7898% | 5,847 |
| Memoranda: | ||
| Average total assets | $116,974,500 | 4,338 |
| Average earning assets | $112,399,500 | 4,204 |
| Average equity | $9,891,000 | 4,844 |
| Average total loans | $86,929,500 | 3,772 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 2,532 |
| Cost of funding earning assets | 1.1179% | 257 |
| Net interest margin | 3.2972% | 4,675 |
| Noninterest income to average assets | 0.3998% | 4,443 |
| Noninterest expense to average assets | 2.5924% | 4,493 |
| Loan and lease loss provision to assets | 0.0531% | 4,079 |
| Net operating income to assets | 0.8577% | 2,989 |
| Return on assets (ROA) | 0.8358% | 3,185 |
| Pretax return on assets | 0.8801% | 3,849 |
| Return on Equity (ROE) | 9.7547% | 2,216 |
| Retained earnings to average equity (ytd only) | 4.5935% | 2,885 |
| Net charge-offs to loans | -0.1080% | 6,488 |
| Credit loss provision to net charge-offs | -65.2174% | 5,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0558% | 3,279 |
| Assets per employee ($millions) | 4.5868% | 2,745 |
| Cash dividends to net income (ytd only)* | 52.9101% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 5,505 |
| Loan loss allowance to noncurrent loans | 2,861.2903% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 5,835 |
| Noncurrent loans to loans | 0.0354% | 6,146 |
| Net loans and leases to total assets | 75.6320% | 1,127 |
| Net loans and leases to deposits | 102.0485% | 396 |
| Net loans and leases to core deposits | 112.6601% | 510 |
| Total domestic deposits to total assets | 74.1138% | 6,273 |
| Equity capital to assets | 8.5366% | 5,545 |
| Core capital (leverage) ratio | 8.4054% | 5,773 |
| Tier 1 risk-based capital ratio | 11.4603% | 5,925 |
| Total risk-based capital ratio | 12.5134% | 5,983 |
| Memoranda: | ||
| Average total assets | $113,061,200 | 4,432 |
| Average earning assets | $107,970,000 | 4,311 |
| Average equity | $9,687,600 | 4,922 |
| Average total loans | $85,165,800 | 3,793 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 2,498 |
| Cost of funding earning assets | 1.1271% | 263 |
| Net interest margin | 3.3019% | 4,632 |
| Noninterest income to average assets | 0.4083% | 4,472 |
| Noninterest expense to average assets | 2.5658% | 4,499 |
| Loan and lease loss provision to assets | 0.0533% | 3,968 |
| Net operating income to assets | 0.8908% | 2,880 |
| Return on assets (ROA) | 0.8616% | 3,152 |
| Pretax return on assets | 0.9066% | 3,851 |
| Return on Equity (ROE) | 10.0457% | 2,156 |
| Retained earnings to average equity (ytd only) | 4.8710% | 3,175 |
| Net charge-offs to loans | 0.0110% | 4,921 |
| Credit loss provision to net charge-offs | 642.8571% | 444 |
| Earnings coverage of net charge-offs (x) | 119.6109% | 434 |
| Efficiency ratio | 72.1464% | 3,379 |
| Assets per employee ($millions) | 4.5491% | 2,802 |
| Cash dividends to net income (ytd only)* | 51.5114% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 6,147 |
| Loan loss allowance to noncurrent loans | 2,342.4242% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 5,706 |
| Noncurrent loans to loans | 0.0369% | 6,233 |
| Net loans and leases to total assets | 77.9569% | 749 |
| Net loans and leases to deposits | 104.0477% | 295 |
| Net loans and leases to core deposits | 113.8012% | 452 |
| Total domestic deposits to total assets | 74.9242% | 6,285 |
| Equity capital to assets | 8.5767% | 5,654 |
| Core capital (leverage) ratio | 8.4757% | 5,794 |
| Tier 1 risk-based capital ratio | 11.3407% | 6,132 |
| Total risk-based capital ratio | 12.2576% | 6,243 |
| Memoranda: | ||
| Average total assets | $112,658,750 | 4,494 |
| Average earning assets | $107,409,750 | 4,371 |
| Average equity | $9,662,250 | 4,985 |
| Average total loans | $84,553,500 | 3,847 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 2,562 |
| Cost of funding earning assets | 1.1400% | 275 |
| Net interest margin | 3.2599% | 4,731 |
| Noninterest income to average assets | 0.4167% | 4,402 |
| Noninterest expense to average assets | 2.5538% | 4,551 |
| Loan and lease loss provision to assets | 0.0534% | 3,920 |
| Net operating income to assets | 0.8846% | 2,874 |
| Return on assets (ROA) | 0.8406% | 3,253 |
| Pretax return on assets | 0.8851% | 3,969 |
| Return on Equity (ROE) | 9.8010% | 2,276 |
| Retained earnings to average equity (ytd only) | 4.6098% | 3,331 |
| Net charge-offs to loans | 0.0048% | 4,811 |
| Credit loss provision to net charge-offs | 1,500.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 276.5000% | 184 |
| Efficiency ratio | 72.1691% | 3,440 |
| Assets per employee ($millions) | 4.7125% | 2,492 |
| Cash dividends to net income (ytd only)* | 52.9661% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 6,174 |
| Loan loss allowance to noncurrent loans | 582.4427% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 5,848 |
| Noncurrent loans to loans | 0.1522% | 5,943 |
| Net loans and leases to total assets | 75.4454% | 1,047 |
| Net loans and leases to deposits | 99.8140% | 435 |
| Net loans and leases to core deposits | 102.1342% | 931 |
| Total domestic deposits to total assets | 75.5860% | 6,298 |
| Equity capital to assets | 8.4952% | 5,771 |
| Core capital (leverage) ratio | 8.2569% | 5,947 |
| Tier 1 risk-based capital ratio | 11.6371% | 6,039 |
| Total risk-based capital ratio | 12.5787% | 6,155 |
| Memoranda: | ||
| Average total assets | $112,302,670 | 4,530 |
| Average earning assets | $107,548,330 | 4,397 |
| Average equity | $9,631,670 | 5,027 |
| Average total loans | $82,927,670 | 3,900 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 1,988 |
| Cost of funding earning assets | 1.1654% | 264 |
| Net interest margin | 3.3842% | 4,179 |
| Noninterest income to average assets | 0.3324% | 5,038 |
| Noninterest expense to average assets | 2.6094% | 4,375 |
| Loan and lease loss provision to assets | 0.0536% | 3,728 |
| Net operating income to assets | 0.8614% | 2,858 |
| Return on assets (ROA) | 0.8614% | 2,990 |
| Pretax return on assets | 0.9079% | 3,729 |
| Return on Equity (ROE) | 9.9964% | 2,062 |
| Retained earnings to average equity (ytd only) | 4.8115% | 3,349 |
| Net charge-offs to loans | 0.0197% | 3,764 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 67.2500% | 533 |
| Efficiency ratio | 73.0731% | 3,435 |
| Assets per employee ($millions) | 4.7929% | 2,497 |
| Cash dividends to net income (ytd only)* | 51.8672% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 6,212 |
| Loan loss allowance to noncurrent loans | 573.8462% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 5,716 |
| Noncurrent loans to loans | 0.1601% | 5,996 |
| Net loans and leases to total assets | 69.9458% | 1,667 |
| Net loans and leases to deposits | 92.4581% | 765 |
| Net loans and leases to core deposits | 98.9948% | 1,007 |
| Total domestic deposits to total assets | 75.6514% | 6,396 |
| Equity capital to assets | 8.4144% | 6,087 |
| Core capital (leverage) ratio | 8.1431% | 6,000 |
| Tier 1 risk-based capital ratio | 11.4193% | 6,228 |
| Total risk-based capital ratio | 12.3327% | 6,343 |
| Memoranda: | ||
| Average total assets | $111,904,500 | 4,581 |
| Average earning assets | $107,085,000 | 4,445 |
| Average equity | $9,643,500 | 5,081 |
| Average total loans | $81,346,000 | 3,979 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7355% | 2,441 |
| Cost of funding earning assets | 1.2239% | 516 |
| Net interest margin | 3.5116% | 4,450 |
| Noninterest income to average assets | 0.3921% | 4,666 |
| Noninterest expense to average assets | 2.6426% | 4,589 |
| Loan and lease loss provision to assets | 0.0672% | 4,914 |
| Net operating income to assets | 0.9794% | 2,428 |
| Return on assets (ROA) | 0.9794% | 2,651 |
| Pretax return on assets | 1.0309% | 3,432 |
| Return on Equity (ROE) | 11.2982% | 1,711 |
| Retained earnings to average equity (ytd only) | 5.9889% | 2,083 |
| Net charge-offs to loans | 0.0548% | 5,165 |
| Credit loss provision to net charge-offs | 162.2222% | 1,656 |
| Earnings coverage of net charge-offs (x) | 26.5111% | 1,096 |
| Efficiency ratio | 70.6447% | 3,686 |
| Assets per employee ($millions) | 4.5325% | 2,905 |
| Cash dividends to net income (ytd only)* | 46.9925% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 6,259 |
| Loan loss allowance to noncurrent loans | 622.8814% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 5,808 |
| Noncurrent loans to loans | 0.1448% | 6,118 |
| Net loans and leases to total assets | 74.2352% | 1,162 |
| Net loans and leases to deposits | 95.7492% | 632 |
| Net loans and leases to core deposits | 99.5869% | 1,049 |
| Total domestic deposits to total assets | 77.5308% | 6,158 |
| Equity capital to assets | 8.8325% | 5,713 |
| Core capital (leverage) ratio | 8.3616% | 5,808 |
| Tier 1 risk-based capital ratio | 11.9733% | 5,809 |
| Total risk-based capital ratio | 12.9289% | 5,935 |
| Memoranda: | ||
| Average total assets | $108,643,400 | 4,621 |
| Average earning assets | $103,599,600 | 4,501 |
| Average equity | $9,417,400 | 5,128 |
| Average total loans | $82,088,800 | 3,968 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 2,510 |
| Cost of funding earning assets | 1.2353% | 590 |
| Net interest margin | 3.5347% | 4,507 |
| Noninterest income to average assets | 0.3941% | 4,680 |
| Noninterest expense to average assets | 2.6345% | 4,621 |
| Loan and lease loss provision to assets | 0.0552% | 5,050 |
| Net operating income to assets | 1.0226% | 2,400 |
| Return on assets (ROA) | 1.0226% | 2,624 |
| Pretax return on assets | 1.0766% | 3,439 |
| Return on Equity (ROE) | 11.8535% | 1,680 |
| Retained earnings to average equity (ytd only) | 6.5172% | 2,368 |
| Net charge-offs to loans | 0.0308% | 5,221 |
| Credit loss provision to net charge-offs | 236.8421% | 1,170 |
| Earnings coverage of net charge-offs (x) | 48.5314% | 773 |
| Efficiency ratio | 69.9478% | 3,695 |
| Assets per employee ($millions) | 4.5858% | 2,766 |
| Cash dividends to net income (ytd only)* | 45.0182% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 6,470 |
| Loan loss allowance to noncurrent loans | 284.1085% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 5,779 |
| Noncurrent loans to loans | 0.3047% | 5,879 |
| Net loans and leases to total assets | 76.2711% | 928 |
| Net loans and leases to deposits | 106.8738% | 221 |
| Net loans and leases to core deposits | 110.9710% | 536 |
| Total domestic deposits to total assets | 71.3656% | 6,771 |
| Equity capital to assets | 8.7134% | 6,093 |
| Core capital (leverage) ratio | 8.2795% | 6,049 |
| Tier 1 risk-based capital ratio | 11.3732% | 6,313 |
| Total risk-based capital ratio | 12.2891% | 6,437 |
| Memoranda: | ||
| Average total assets | $108,609,250 | 4,673 |
| Average earning assets | $103,618,250 | 4,555 |
| Average equity | $9,369,750 | 5,183 |
| Average total loans | $82,239,000 | 4,014 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 2,770 |
| Cost of funding earning assets | 1.2451% | 665 |
| Net interest margin | 3.4914% | 4,708 |
| Noninterest income to average assets | 0.3829% | 4,771 |
| Noninterest expense to average assets | 2.6562% | 4,587 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0099% | 2,423 |
| Return on assets (ROA) | 1.0099% | 2,639 |
| Pretax return on assets | 1.0617% | 3,456 |
| Return on Equity (ROE) | 11.7466% | 1,755 |
| Retained earnings to average equity (ytd only) | 6.3681% | 2,461 |
| Net charge-offs to loans | 0.0368% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 38.2667% | 908 |
| Efficiency ratio | 71.4428% | 3,528 |
| Assets per employee ($millions) | 4.5098% | 2,889 |
| Cash dividends to net income (ytd only)* | 45.7875% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 6,628 |
| Loan loss allowance to noncurrent loans | 1,064.6154% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 6,297 |
| Noncurrent loans to loans | 0.0773% | 6,470 |
| Net loans and leases to total assets | 77.0352% | 841 |
| Net loans and leases to deposits | 103.3838% | 294 |
| Net loans and leases to core deposits | 104.1157% | 851 |
| Total domestic deposits to total assets | 74.5138% | 6,633 |
| Equity capital to assets | 8.7208% | 6,002 |
| Core capital (leverage) ratio | 8.2719% | 5,961 |
| Tier 1 risk-based capital ratio | 11.3561% | 6,309 |
| Total risk-based capital ratio | 12.2352% | 6,486 |
| Memoranda: | ||
| Average total assets | $108,125,670 | 4,714 |
| Average earning assets | $103,281,670 | 4,595 |
| Average equity | $9,296,330 | 5,202 |
| Average total loans | $81,426,330 | 4,059 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7180% | 2,980 |
| Cost of funding earning assets | 1.2473% | 786 |
| Net interest margin | 3.4707% | 4,825 |
| Noninterest income to average assets | 0.3849% | 4,786 |
| Noninterest expense to average assets | 2.6057% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0401% | 2,325 |
| Return on assets (ROA) | 1.0401% | 2,515 |
| Pretax return on assets | 1.0956% | 3,340 |
| Return on Equity (ROE) | 12.1843% | 1,618 |
| Retained earnings to average equity (ytd only) | 6.7642% | 2,543 |
| Net charge-offs to loans | -0.0100% | 5,944 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4000% | 3,744 |
| Assets per employee ($millions) | 4.5480% | 2,903 |
| Cash dividends to net income (ytd only)* | 44.4840% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 6,547 |
| Loan loss allowance to noncurrent loans | 1,026.0870% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 6,253 |
| Noncurrent loans to loans | 0.0872% | 6,539 |
| Net loans and leases to total assets | 71.8237% | 1,435 |
| Net loans and leases to deposits | 94.8622% | 611 |
| Net loans and leases to core deposits | 96.2316% | 1,286 |
| Total domestic deposits to total assets | 75.7137% | 6,579 |
| Equity capital to assets | 8.5276% | 6,061 |
| Core capital (leverage) ratio | 8.3293% | 5,826 |
| Tier 1 risk-based capital ratio | 11.5769% | 6,238 |
| Total risk-based capital ratio | 12.5082% | 6,390 |
| Memoranda: | ||
| Average total assets | $108,071,000 | 4,752 |
| Average earning assets | $103,263,500 | 4,625 |
| Average equity | $9,225,000 | 5,238 |
| Average total loans | $80,104,000 | 4,120 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9265% | 3,221 |
| Cost of funding earning assets | 1.4712% | 798 |
| Net interest margin | 3.4553% | 5,303 |
| Noninterest income to average assets | 0.3812% | 4,777 |
| Noninterest expense to average assets | 2.6613% | 4,882 |
| Loan and lease loss provision to assets | 0.0727% | 5,701 |
| Net operating income to assets | 0.8942% | 2,625 |
| Return on assets (ROA) | 0.8942% | 2,760 |
| Pretax return on assets | 0.9408% | 3,465 |
| Return on Equity (ROE) | 10.4106% | 1,917 |
| Retained earnings to average equity (ytd only) | 4.7649% | 2,816 |
| Net charge-offs to loans | 0.0852% | 5,471 |
| Credit loss provision to net charge-offs | 115.3846% | 2,825 |
| Earnings coverage of net charge-offs (x) | 16.0769% | 1,356 |
| Efficiency ratio | 72.4202% | 3,498 |
| Assets per employee ($millions) | 4.4579% | 2,982 |
| Cash dividends to net income (ytd only)* | 54.2299% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 6,602 |
| Loan loss allowance to noncurrent loans | 954.0541% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 6,236 |
| Noncurrent loans to loans | 0.0912% | 6,583 |
| Net loans and leases to total assets | 75.1444% | 1,070 |
| Net loans and leases to deposits | 106.9280% | 227 |
| Net loans and leases to core deposits | 106.9280% | 760 |
| Total domestic deposits to total assets | 70.2757% | 6,971 |
| Equity capital to assets | 8.5447% | 6,079 |
| Core capital (leverage) ratio | 8.3991% | 5,714 |
| Tier 1 risk-based capital ratio | 11.1237% | 6,392 |
| Total risk-based capital ratio | 12.0321% | 6,548 |
| Memoranda: | ||
| Average total assets | $103,108,600 | 4,818 |
| Average earning assets | $98,284,000 | 4,680 |
| Average equity | $8,856,400 | 5,319 |
| Average total loans | $76,248,800 | 4,260 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9468% | 3,347 |
| Cost of funding earning assets | 1.5175% | 804 |
| Net interest margin | 3.4293% | 5,469 |
| Noninterest income to average assets | 0.3746% | 4,871 |
| Noninterest expense to average assets | 2.7022% | 4,718 |
| Loan and lease loss provision to assets | 0.0522% | 5,796 |
| Net operating income to assets | 0.8446% | 2,962 |
| Return on assets (ROA) | 0.8446% | 3,111 |
| Pretax return on assets | 0.8890% | 3,812 |
| Return on Equity (ROE) | 9.8196% | 2,265 |
| Retained earnings to average equity (ytd only) | 4.1282% | 3,790 |
| Net charge-offs to loans | 0.0782% | 5,186 |
| Credit loss provision to net charge-offs | 90.9091% | 3,741 |
| Earnings coverage of net charge-offs (x) | 16.3850% | 1,402 |
| Efficiency ratio | 74.1670% | 3,141 |
| Assets per employee ($millions) | 4.2522% | 3,359 |
| Cash dividends to net income (ytd only)* | 57.9598% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 6,591 |
| Loan loss allowance to noncurrent loans | 216.2500% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.5272% | 5,774 |
| Noncurrent loans to loans | 0.4165% | 6,008 |
| Net loans and leases to total assets | 74.6073% | 1,215 |
| Net loans and leases to deposits | 101.9646% | 392 |
| Net loans and leases to core deposits | 103.1666% | 1,028 |
| Total domestic deposits to total assets | 73.1698% | 6,840 |
| Equity capital to assets | 8.8454% | 5,927 |
| Core capital (leverage) ratio | 8.2630% | 6,031 |
| Tier 1 risk-based capital ratio | 11.6172% | 6,160 |
| Total risk-based capital ratio | 12.5634% | 6,345 |
| Memoranda: | ||
| Average total assets | $102,138,250 | 4,866 |
| Average earning assets | $97,353,750 | 4,734 |
| Average equity | $8,785,000 | 5,364 |
| Average total loans | $75,035,250 | 4,349 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9089% | 3,576 |
| Cost of funding earning assets | 1.5411% | 861 |
| Net interest margin | 3.3678% | 5,650 |
| Noninterest income to average assets | 0.3504% | 5,088 |
| Noninterest expense to average assets | 2.6643% | 4,956 |
| Loan and lease loss provision to assets | 0.0489% | 5,700 |
| Net operating income to assets | 0.8046% | 3,054 |
| Return on assets (ROA) | 0.8046% | 3,178 |
| Pretax return on assets | 0.8457% | 3,851 |
| Return on Equity (ROE) | 9.4436% | 2,327 |
| Retained earnings to average equity (ytd only) | 3.6993% | 3,861 |
| Net charge-offs to loans | 0.0403% | 5,286 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 30.4667% | 908 |
| Efficiency ratio | 74.8625% | 3,210 |
| Assets per employee ($millions) | 4.2427% | 3,271 |
| Cash dividends to net income (ytd only)* | 60.8273% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 6,584 |
| Loan loss allowance to noncurrent loans | 522.9630% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 6,189 |
| Noncurrent loans to loans | 0.1770% | 6,546 |
| Net loans and leases to total assets | 74.2057% | 1,373 |
| Net loans and leases to deposits | 101.6562% | 417 |
| Net loans and leases to core deposits | 103.4403% | 1,079 |
| Total domestic deposits to total assets | 72.9968% | 6,924 |
| Equity capital to assets | 8.7179% | 5,918 |
| Core capital (leverage) ratio | 8.1886% | 6,051 |
| Tier 1 risk-based capital ratio | 11.4680% | 6,188 |
| Total risk-based capital ratio | 12.4337% | 6,383 |
| Memoranda: | ||
| Average total assets | $102,166,670 | 4,896 |
| Average earning assets | $97,332,670 | 4,778 |
| Average equity | $8,704,330 | 5,406 |
| Average total loans | $74,436,670 | 4,414 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 4,008 |
| Cost of funding earning assets | 1.5764% | 891 |
| Net interest margin | 3.2349% | 5,968 |
| Noninterest income to average assets | 0.3166% | 5,395 |
| Noninterest expense to average assets | 2.6266% | 5,126 |
| Loan and lease loss provision to assets | 0.0977% | 4,788 |
| Net operating income to assets | 0.6410% | 3,798 |
| Return on assets (ROA) | 0.6410% | 3,872 |
| Pretax return on assets | 0.6723% | 4,405 |
| Return on Equity (ROE) | 7.6120% | 3,092 |
| Retained earnings to average equity (ytd only) | 1.8102% | 5,033 |
| Net charge-offs to loans | 0.0544% | 4,392 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 19.7000% | 1,129 |
| Efficiency ratio | 77.3303% | 2,939 |
| Assets per employee ($millions) | 4.2927% | 3,263 |
| Cash dividends to net income (ytd only)* | 76.2195% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 6,455 |
| Loan loss allowance to noncurrent loans | 415.7895% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 6,120 |
| Noncurrent loans to loans | 0.2367% | 6,511 |
| Net loans and leases to total assets | 69.4421% | 2,237 |
| Net loans and leases to deposits | 93.9685% | 829 |
| Net loans and leases to core deposits | 96.4646% | 1,639 |
| Total domestic deposits to total assets | 73.8993% | 6,914 |
| Equity capital to assets | 8.4058% | 6,043 |
| Core capital (leverage) ratio | 7.9525% | 6,305 |
| Tier 1 risk-based capital ratio | 11.5680% | 6,050 |
| Total risk-based capital ratio | 12.5635% | 6,227 |
| Memoranda: | ||
| Average total assets | $102,337,500 | 4,937 |
| Average earning assets | $97,437,500 | 4,808 |
| Average equity | $8,618,000 | 5,431 |
| Average total loans | $73,522,000 | 4,488 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2641% | 3,301 |
| Cost of funding earning assets | 1.7384% | 1,431 |
| Net interest margin | 3.5257% | 5,132 |
| Noninterest income to average assets | 0.3843% | 5,026 |
| Noninterest expense to average assets | 2.6622% | 5,164 |
| Loan and lease loss provision to assets | 0.1343% | 5,828 |
| Net operating income to assets | 0.8885% | 2,433 |
| Return on assets (ROA) | 0.8895% | 2,565 |
| Pretax return on assets | 0.9349% | 3,147 |
| Return on Equity (ROE) | 10.0980% | 1,886 |
| Retained earnings to average equity (ytd only) | 3.3543% | 3,522 |
| Net charge-offs to loans | 0.0463% | 6,340 |
| Credit loss provision to net charge-offs | 406.2500% | 597 |
| Earnings coverage of net charge-offs (x) | 32.3125% | 689 |
| Efficiency ratio | 71.3653% | 3,919 |
| Assets per employee ($millions) | 4.2355% | 3,316 |
| Cash dividends to net income (ytd only)* | 66.7828% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 6,636 |
| Loan loss allowance to noncurrent loans | 519.4030% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 6,200 |
| Noncurrent loans to loans | 0.1792% | 6,709 |
| Net loans and leases to total assets | 72.8916% | 1,903 |
| Net loans and leases to deposits | 101.4791% | 508 |
| Net loans and leases to core deposits | 102.9741% | 1,390 |
| Total domestic deposits to total assets | 71.8291% | 7,095 |
| Equity capital to assets | 8.4367% | 5,941 |
| Core capital (leverage) ratio | 7.9905% | 6,215 |
| Tier 1 risk-based capital ratio | 11.2038% | 6,179 |
| Total risk-based capital ratio | 12.1523% | 6,384 |
| Memoranda: | ||
| Average total assets | $96,799,800 | 5,084 |
| Average earning assets | $91,868,200 | 4,949 |
| Average equity | $8,526,400 | 5,538 |
| Average total loans | $69,082,400 | 4,713 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3032% | 3,340 |
| Cost of funding earning assets | 1.7427% | 1,659 |
| Net interest margin | 3.5605% | 5,060 |
| Noninterest income to average assets | 0.3710% | 5,188 |
| Noninterest expense to average assets | 2.6656% | 5,026 |
| Loan and lease loss provision to assets | 0.1186% | 5,845 |
| Net operating income to assets | 0.9137% | 2,555 |
| Return on assets (ROA) | 0.9150% | 2,695 |
| Pretax return on assets | 0.9624% | 3,321 |
| Return on Equity (ROE) | 10.2730% | 2,015 |
| Retained earnings to average equity (ytd only) | 3.2260% | 4,169 |
| Net charge-offs to loans | 0.0552% | 5,968 |
| Credit loss provision to net charge-offs | 303.5714% | 1,054 |
| Earnings coverage of net charge-offs (x) | 27.6445% | 931 |
| Efficiency ratio | 71.1732% | 3,855 |
| Assets per employee ($millions) | 4.1422% | 3,561 |
| Cash dividends to net income (ytd only)* | 68.5985% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 6,694 |
| Loan loss allowance to noncurrent loans | 425.3247% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 6,078 |
| Noncurrent loans to loans | 0.2151% | 6,748 |
| Net loans and leases to total assets | 71.3538% | 2,393 |
| Net loans and leases to deposits | 98.6496% | 748 |
| Net loans and leases to core deposits | 101.4183% | 1,706 |
| Total domestic deposits to total assets | 72.3306% | 7,104 |
| Equity capital to assets | 8.7463% | 5,948 |
| Core capital (leverage) ratio | 8.4995% | 5,505 |
| Tier 1 risk-based capital ratio | 11.5155% | 5,919 |
| Total risk-based capital ratio | 12.4418% | 6,198 |
| Memoranda: | ||
| Average total assets | $95,587,000 | 5,171 |
| Average earning assets | $90,584,750 | 5,048 |
| Average equity | $8,514,000 | 5,621 |
| Average total loans | $67,655,250 | 4,841 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2722% | 3,593 |
| Cost of funding earning assets | 1.7507% | 1,860 |
| Net interest margin | 3.5215% | 5,154 |
| Noninterest income to average assets | 0.3732% | 5,149 |
| Noninterest expense to average assets | 2.7017% | 4,900 |
| Loan and lease loss provision to assets | 0.0954% | 5,958 |
| Net operating income to assets | 0.8653% | 2,674 |
| Return on assets (ROA) | 0.8673% | 2,801 |
| Pretax return on assets | 0.9140% | 3,438 |
| Return on Equity (ROE) | 9.6763% | 2,220 |
| Retained earnings to average equity (ytd only) | 2.5788% | 4,503 |
| Net charge-offs to loans | 0.0633% | 5,508 |
| Credit loss provision to net charge-offs | 214.2857% | 1,818 |
| Earnings coverage of net charge-offs (x) | 22.6190% | 1,126 |
| Efficiency ratio | 72.8416% | 3,688 |
| Assets per employee ($millions) | 3.8757% | 4,045 |
| Cash dividends to net income (ytd only)* | 73.3496% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 6,755 |
| Loan loss allowance to noncurrent loans | 852.0548% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 6,236 |
| Noncurrent loans to loans | 0.1058% | 7,057 |
| Net loans and leases to total assets | 73.4960% | 2,032 |
| Net loans and leases to deposits | 93.3207% | 1,365 |
| Net loans and leases to core deposits | 95.9494% | 2,442 |
| Total domestic deposits to total assets | 78.7563% | 6,098 |
| Equity capital to assets | 9.1586% | 5,202 |
| Core capital (leverage) ratio | 8.4061% | 5,570 |
| Tier 1 risk-based capital ratio | 11.9949% | 5,316 |
| Total risk-based capital ratio | 12.9223% | 5,571 |
| Memoranda: | ||
| Average total assets | $94,311,670 | 5,238 |
| Average earning assets | $89,336,670 | 5,122 |
| Average equity | $8,453,670 | 5,649 |
| Average total loans | $66,343,670 | 4,924 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1848% | 4,108 |
| Cost of funding earning assets | 1.7653% | 2,036 |
| Net interest margin | 3.4195% | 5,500 |
| Noninterest income to average assets | 0.3580% | 5,275 |
| Noninterest expense to average assets | 2.7380% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8132% | 2,909 |
| Return on assets (ROA) | 0.8172% | 2,990 |
| Pretax return on assets | 0.8635% | 3,611 |
| Return on Equity (ROE) | 9.2151% | 2,421 |
| Retained earnings to average equity (ytd only) | 2.0900% | 4,881 |
| Net charge-offs to loans | 0.0246% | 5,234 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 566 |
| Efficiency ratio | 76.1124% | 3,194 |
| Assets per employee ($millions) | 3.9857% | 3,907 |
| Cash dividends to net income (ytd only)* | 77.3196% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 6,782 |
| Loan loss allowance to noncurrent loans | 1,120.7547% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 6,335 |
| Noncurrent loans to loans | 0.0819% | 7,185 |
| Net loans and leases to total assets | 67.0204% | 3,627 |
| Net loans and leases to deposits | 84.2265% | 2,905 |
| Net loans and leases to core deposits | 86.0212% | 3,891 |
| Total domestic deposits to total assets | 79.5716% | 5,922 |
| Equity capital to assets | 8.8264% | 5,498 |
| Core capital (leverage) ratio | 8.1596% | 5,978 |
| Tier 1 risk-based capital ratio | 12.1330% | 5,053 |
| Total risk-based capital ratio | 13.0362% | 5,350 |
| Memoranda: | ||
| Average total assets | $94,959,500 | 5,286 |
| Average earning assets | $89,955,500 | 5,167 |
| Average equity | $8,421,000 | 5,709 |
| Average total loans | $65,023,000 | 5,041 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4941% | 4,173 |
| Cost of funding earning assets | 2.0637% | 2,662 |
| Net interest margin | 3.4304% | 5,253 |
| Noninterest income to average assets | 0.3838% | 5,346 |
| Noninterest expense to average assets | 2.7117% | 5,332 |
| Loan and lease loss provision to assets | 0.0705% | 6,874 |
| Net operating income to assets | 0.8041% | 2,525 |
| Return on assets (ROA) | 0.8164% | 2,555 |
| Pretax return on assets | 0.8587% | 3,058 |
| Return on Equity (ROE) | 9.0887% | 1,997 |
| Retained earnings to average equity (ytd only) | 1.2432% | 4,171 |
| Net charge-offs to loans | 0.0709% | 6,406 |
| Credit loss provision to net charge-offs | 144.4444% | 3,305 |
| Earnings coverage of net charge-offs (x) | 18.7778% | 1,110 |
| Efficiency ratio | 74.7460% | 3,749 |
| Assets per employee ($millions) | 3.9276% | 3,960 |
| Cash dividends to net income (ytd only)* | 86.3214% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 6,748 |
| Loan loss allowance to noncurrent loans | 564.1509% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 6,059 |
| Noncurrent loans to loans | 0.1622% | 7,019 |
| Net loans and leases to total assets | 68.6855% | 3,553 |
| Net loans and leases to deposits | 88.3432% | 2,501 |
| Net loans and leases to core deposits | 105.9812% | 3,337 |
| Total domestic deposits to total assets | 77.7484% | 6,284 |
| Equity capital to assets | 8.9102% | 5,265 |
| Core capital (leverage) ratio | 8.1496% | 5,906 |
| Tier 1 risk-based capital ratio | 12.0522% | 4,901 |
| Total risk-based capital ratio | 12.9603% | 5,149 |
| Memoranda: | ||
| Average total assets | $92,230,200 | 5,325 |
| Average earning assets | $87,220,200 | 5,217 |
| Average equity | $8,285,000 | 5,840 |
| Average total loans | $63,464,400 | 5,120 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4588% | 4,638 |
| Cost of funding earning assets | 2.0970% | 2,904 |
| Net interest margin | 3.3619% | 5,403 |
| Noninterest income to average assets | 0.3852% | 5,433 |
| Noninterest expense to average assets | 2.6994% | 5,332 |
| Loan and lease loss provision to assets | 0.0581% | 6,781 |
| Net operating income to assets | 0.7704% | 2,936 |
| Return on assets (ROA) | 0.7704% | 2,996 |
| Pretax return on assets | 0.8111% | 3,506 |
| Return on Equity (ROE) | 8.5587% | 2,428 |
| Retained earnings to average equity (ytd only) | 1.2918% | 4,603 |
| Net charge-offs to loans | 0.0571% | 6,133 |
| Credit loss provision to net charge-offs | 148.1481% | 3,261 |
| Earnings coverage of net charge-offs (x) | 22.1475% | 1,173 |
| Efficiency ratio | 75.6415% | 3,569 |
| Assets per employee ($millions) | 4.0042% | 3,727 |
| Cash dividends to net income (ytd only)* | 84.9062% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 6,671 |
| Loan loss allowance to noncurrent loans | 353.8922% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 5,900 |
| Noncurrent loans to loans | 0.2601% | 6,859 |
| Net loans and leases to total assets | 66.2008% | 4,383 |
| Net loans and leases to deposits | 89.3325% | 2,712 |
| Net loans and leases to core deposits | 109.7485% | 3,267 |
| Total domestic deposits to total assets | 74.1061% | 6,926 |
| Equity capital to assets | 8.7575% | 5,868 |
| Core capital (leverage) ratio | 8.1028% | 6,179 |
| Tier 1 risk-based capital ratio | 12.1778% | 4,813 |
| Total risk-based capital ratio | 13.0873% | 5,061 |
| Memoranda: | ||
| Average total assets | $91,722,000 | 5,375 |
| Average earning assets | $86,854,000 | 5,272 |
| Average equity | $8,256,500 | 5,901 |
| Average total loans | $62,994,750 | 5,169 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4676% | 4,797 |
| Cost of funding earning assets | 2.1355% | 3,106 |
| Net interest margin | 3.3320% | 5,427 |
| Noninterest income to average assets | 0.3722% | 5,531 |
| Noninterest expense to average assets | 2.5437% | 5,973 |
| Loan and lease loss provision to assets | 0.0554% | 6,669 |
| Net operating income to assets | 0.8797% | 2,537 |
| Return on assets (ROA) | 0.8797% | 2,644 |
| Pretax return on assets | 0.9262% | 3,254 |
| Return on Equity (ROE) | 9.6790% | 2,141 |
| Retained earnings to average equity (ytd only) | 2.3649% | 4,019 |
| Net charge-offs to loans | 0.0288% | 6,072 |
| Credit loss provision to net charge-offs | 277.7778% | 1,681 |
| Earnings coverage of net charge-offs (x) | 49.2222% | 691 |
| Efficiency ratio | 72.1559% | 4,379 |
| Assets per employee ($millions) | 4.0688% | 3,558 |
| Cash dividends to net income (ytd only)* | 75.5668% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 6,624 |
| Loan loss allowance to noncurrent loans | 886.5672% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 6,083 |
| Noncurrent loans to loans | 0.1054% | 7,262 |
| Net loans and leases to total assets | 64.5076% | 4,875 |
| Net loans and leases to deposits | 86.2504% | 3,503 |
| Net loans and leases to core deposits | 104.0622% | 4,054 |
| Total domestic deposits to total assets | 74.7911% | 6,804 |
| Equity capital to assets | 8.3972% | 6,197 |
| Core capital (leverage) ratio | 8.7057% | 5,076 |
| Tier 1 risk-based capital ratio | 12.2801% | 4,693 |
| Total risk-based capital ratio | 13.2000% | 4,880 |
| Memoranda: | ||
| Average total assets | $90,262,670 | 5,448 |
| Average earning assets | $85,413,000 | 5,360 |
| Average equity | $8,203,330 | 5,950 |
| Average total loans | $62,589,670 | 5,232 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6325% | 4,155 |
| Cost of funding earning assets | 2.2549% | 2,904 |
| Net interest margin | 3.3775% | 5,225 |
| Noninterest income to average assets | 0.3650% | 5,515 |
| Noninterest expense to average assets | 2.6153% | 5,389 |
| Loan and lease loss provision to assets | 0.0462% | 6,393 |
| Net operating income to assets | 0.8456% | 2,927 |
| Return on assets (ROA) | 0.8456% | 3,077 |
| Pretax return on assets | 0.8872% | 3,762 |
| Return on Equity (ROE) | 8.9214% | 2,753 |
| Retained earnings to average equity (ytd only) | 1.6088% | 4,945 |
| Net charge-offs to loans | 0.0193% | 5,295 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 67.3333% | 592 |
| Efficiency ratio | 73.6979% | 3,876 |
| Assets per employee ($millions) | 3.6103% | 4,541 |
| Cash dividends to net income (ytd only)* | 81.9672% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 6,499 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.6348% | 5,585 |
| Noncurrent loans to loans | 0.0730% | 7,318 |
| Net loans and leases to total assets | 70.4845% | 3,574 |
| Net loans and leases to deposits | 88.7597% | 3,146 |
| Net loans and leases to core deposits | 104.9149% | 4,037 |
| Total domestic deposits to total assets | 79.4105% | 5,568 |
| Equity capital to assets | 9.4407% | 4,757 |
| Core capital (leverage) ratio | 9.0615% | 4,607 |
| Tier 1 risk-based capital ratio | 12.8662% | 4,277 |
| Total risk-based capital ratio | 13.8232% | 4,420 |
| Memoranda: | ||
| Average total assets | $86,568,000 | 5,585 |
| Average earning assets | $81,598,500 | 5,501 |
| Average equity | $8,205,000 | 5,986 |
| Average total loans | $62,091,000 | 5,284 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3678% | 3,590 |
| Cost of funding earning assets | 2.7695% | 2,836 |
| Net interest margin | 3.5984% | 4,896 |
| Noninterest income to average assets | 0.4828% | 4,777 |
| Noninterest expense to average assets | 2.7026% | 5,256 |
| Loan and lease loss provision to assets | 0.0483% | 6,813 |
| Net operating income to assets | 1.0465% | 2,369 |
| Return on assets (ROA) | 1.0465% | 2,263 |
| Pretax return on assets | 1.0960% | 3,040 |
| Return on Equity (ROE) | 10.6924% | 2,018 |
| Retained earnings to average equity (ytd only) | 2.7995% | 3,440 |
| Net charge-offs to loans | 0.0134% | 6,716 |
| Credit loss provision to net charge-offs | 500.0000% | 870 |
| Earnings coverage of net charge-offs (x) | 118.5000% | 382 |
| Efficiency ratio | 70.2542% | 4,303 |
| Assets per employee ($millions) | 3.6038% | 4,403 |
| Cash dividends to net income (ytd only)* | 73.8178% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 6,534 |
| Loan loss allowance to noncurrent loans | 1,864.5161% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 5,256 |
| Noncurrent loans to loans | 0.0496% | 7,312 |
| Net loans and leases to total assets | 71.6233% | 3,669 |
| Net loans and leases to deposits | 93.3288% | 2,892 |
| Net loans and leases to core deposits | 108.0364% | 3,964 |
| Total domestic deposits to total assets | 76.7430% | 6,057 |
| Equity capital to assets | 9.5156% | 4,670 |
| Core capital (leverage) ratio | 9.4853% | 4,031 |
| Tier 1 risk-based capital ratio | 12.4998% | 4,436 |
| Total risk-based capital ratio | 13.4223% | 4,577 |
| Memoranda: | ||
| Average total assets | $82,847,400 | 5,599 |
| Average earning assets | $77,451,800 | 5,527 |
| Average equity | $8,108,600 | 6,043 |
| Average total loans | $59,712,200 | 5,281 |