Home > State Bank of Arthur > Performance and Condition Ratios
State Bank of Arthur, 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 | 3.5480% | 4,697 |
| Cost of funding earning assets | 0.1540% | 5,289 |
| Net interest margin | 3.3940% | 3,864 |
| Noninterest income to average assets | 0.5377% | 2,793 |
| Noninterest expense to average assets | 2.2986% | 4,302 |
| Loan and lease loss provision to assets | 0.5856% | 189 |
| Net operating income to assets | 0.6786% | 4,086 |
| Return on assets (ROA) | 0.7648% | 3,728 |
| Pretax return on assets | 1.0979% | 3,310 |
| Return on Equity (ROE) | 5.5534% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.1097% | 2,805 |
| Net charge-offs to loans | 1.5947% | 96 |
| Credit loss provision to net charge-offs | 77.2849% | 2,622 |
| Earnings coverage of net charge-offs (x) | 2.0591% | 3,510 |
| Efficiency ratio | 59.5672% | 4,281 |
| Assets per employee ($millions) | 7.4336% | 782 |
| Cash dividends to net income (ytd only)* | 7.9895% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 1,755 |
| Loan loss allowance to noncurrent loans | 267.5516% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 3,788 |
| Noncurrent loans to loans | 0.5367% | 3,096 |
| Net loans and leases to total assets | 46.5282% | 4,908 |
| Net loans and leases to deposits | 53.9769% | 4,967 |
| Net loans and leases to core deposits | 54.8684% | 5,047 |
| Total domestic deposits to total assets | 86.2001% | 2,232 |
| Equity capital to assets | 13.7715% | 1,054 |
| Core capital (leverage) ratio | 13.7659% | 954 |
| Tier 1 risk-based capital ratio | 24.9908% | 752 |
| Total risk-based capital ratio | 26.2324% | 738 |
| Memoranda: | ||
| Average total assets | $130,919,500 | 3,773 |
| Average earning assets | $128,104,750 | 3,645 |
| Average equity | $18,030,500 | 3,385 |
| Average total loans | $62,205,250 | 4,179 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 4,650 |
| Cost of funding earning assets | 0.1560% | 5,302 |
| Net interest margin | 3.3852% | 3,826 |
| Noninterest income to average assets | 0.5263% | 2,853 |
| Noninterest expense to average assets | 2.2361% | 4,485 |
| Loan and lease loss provision to assets | 0.5386% | 209 |
| Net operating income to assets | 0.6925% | 3,879 |
| Return on assets (ROA) | 0.7295% | 3,773 |
| Pretax return on assets | 1.1157% | 3,110 |
| Return on Equity (ROE) | 5.2966% | 4,355 |
| Retained earnings to average equity (ytd only) | 4.6261% | 2,960 |
| Net charge-offs to loans | 1.5125% | 121 |
| Credit loss provision to net charge-offs | 74.7863% | 2,328 |
| Earnings coverage of net charge-offs (x) | 2.2179% | 3,191 |
| Efficiency ratio | 58.3300% | 4,552 |
| Assets per employee ($millions) | 7.2822% | 816 |
| Cash dividends to net income (ytd only)* | 12.6582% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5444% | 1,416 |
| Loan loss allowance to noncurrent loans | 179.0654% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.8628% | 2,053 |
| Noncurrent loans to loans | 0.8625% | 2,258 |
| Net loans and leases to total assets | 46.5918% | 4,909 |
| Net loans and leases to deposits | 54.1966% | 4,956 |
| Net loans and leases to core deposits | 55.1122% | 5,043 |
| Total domestic deposits to total assets | 85.9680% | 2,385 |
| Equity capital to assets | 13.9328% | 990 |
| Core capital (leverage) ratio | 14.0570% | 849 |
| Tier 1 risk-based capital ratio | 24.7409% | 777 |
| Total risk-based capital ratio | 25.9925% | 758 |
| Memoranda: | ||
| Average total assets | $129,957,670 | 3,802 |
| Average earning assets | $126,963,670 | 3,689 |
| Average equity | $17,898,330 | 3,410 |
| Average total loans | $61,885,670 | 4,205 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 4,650 |
| Cost of funding earning assets | 0.1552% | 5,336 |
| Net interest margin | 3.3600% | 3,800 |
| Noninterest income to average assets | 0.4853% | 3,070 |
| Noninterest expense to average assets | 2.2628% | 4,498 |
| Loan and lease loss provision to assets | 0.3864% | 293 |
| Net operating income to assets | 0.7697% | 3,371 |
| Return on assets (ROA) | 0.7697% | 3,428 |
| Pretax return on assets | 1.1159% | 2,917 |
| Return on Equity (ROE) | 5.6220% | 4,072 |
| Retained earnings to average equity (ytd only) | 4.2673% | 3,307 |
| Net charge-offs to loans | 0.9124% | 183 |
| Credit loss provision to net charge-offs | 88.6525% | 1,700 |
| Earnings coverage of net charge-offs (x) | 3.4468% | 2,483 |
| Efficiency ratio | 60.0985% | 4,443 |
| Assets per employee ($millions) | 7.1621% | 873 |
| Cash dividends to net income (ytd only)* | 24.0964% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 1,117 |
| Loan loss allowance to noncurrent loans | 111.1111% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.1628% | 1,518 |
| Noncurrent loans to loans | 1.5421% | 1,277 |
| Net loans and leases to total assets | 47.1652% | 4,880 |
| Net loans and leases to deposits | 54.7917% | 4,895 |
| Net loans and leases to core deposits | 55.7308% | 4,990 |
| Total domestic deposits to total assets | 86.0810% | 2,632 |
| Equity capital to assets | 13.8593% | 949 |
| Core capital (leverage) ratio | 13.8739% | 874 |
| Tier 1 risk-based capital ratio | 24.5182% | 818 |
| Total risk-based capital ratio | 25.7714% | 798 |
| Memoranda: | ||
| Average total assets | $129,397,000 | 3,852 |
| Average earning assets | $126,308,000 | 3,728 |
| Average equity | $17,716,000 | 3,448 |
| Average total loans | $61,813,500 | 4,249 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6402% | 4,403 |
| Cost of funding earning assets | 0.1647% | 5,318 |
| Net interest margin | 3.4755% | 3,523 |
| Noninterest income to average assets | 0.5135% | 3,143 |
| Noninterest expense to average assets | 2.3016% | 4,552 |
| Loan and lease loss provision to assets | 0.3200% | 574 |
| Net operating income to assets | 0.8864% | 2,898 |
| Return on assets (ROA) | 0.8858% | 3,018 |
| Pretax return on assets | 1.2831% | 2,340 |
| Return on Equity (ROE) | 6.3740% | 3,803 |
| Retained earnings to average equity (ytd only) | 3.1168% | 3,688 |
| Net charge-offs to loans | 0.5867% | 394 |
| Credit loss provision to net charge-offs | 111.4130% | 2,355 |
| Earnings coverage of net charge-offs (x) | 5.5842% | 3,318 |
| Efficiency ratio | 58.9329% | 4,731 |
| Assets per employee ($millions) | 6.4939% | 1,161 |
| Cash dividends to net income (ytd only)* | 51.1013% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 1,054 |
| Loan loss allowance to noncurrent loans | 241.7978% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7800% | 2,400 |
| Noncurrent loans to loans | 0.7205% | 2,733 |
| Net loans and leases to total assets | 46.7265% | 4,970 |
| Net loans and leases to deposits | 54.0463% | 5,007 |
| Net loans and leases to core deposits | 54.8088% | 5,107 |
| Total domestic deposits to total assets | 86.4564% | 2,394 |
| Equity capital to assets | 13.5243% | 1,038 |
| Core capital (leverage) ratio | 13.6994% | 898 |
| Tier 1 risk-based capital ratio | 24.4164% | 826 |
| Total risk-based capital ratio | 25.6696% | 803 |
| Memoranda: | ||
| Average total assets | $128,128,400 | 3,860 |
| Average earning assets | $125,047,200 | 3,733 |
| Average equity | $17,806,800 | 3,433 |
| Average total loans | $62,719,000 | 4,204 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 4,343 |
| Cost of funding earning assets | 0.1679% | 5,365 |
| Net interest margin | 3.5036% | 3,451 |
| Noninterest income to average assets | 0.5189% | 3,125 |
| Noninterest expense to average assets | 2.3149% | 4,495 |
| Loan and lease loss provision to assets | 0.3550% | 449 |
| Net operating income to assets | 0.8749% | 3,030 |
| Return on assets (ROA) | 0.8792% | 3,136 |
| Pretax return on assets | 1.2760% | 2,520 |
| Return on Equity (ROE) | 6.2832% | 3,936 |
| Retained earnings to average equity (ytd only) | 4.9400% | 2,870 |
| Net charge-offs to loans | 0.6142% | 337 |
| Credit loss provision to net charge-offs | 117.2414% | 2,134 |
| Earnings coverage of net charge-offs (x) | 5.3655% | 3,144 |
| Efficiency ratio | 58.7596% | 4,716 |
| Assets per employee ($millions) | 6.4756% | 1,124 |
| Cash dividends to net income (ytd only)* | 21.3773% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 1,095 |
| Loan loss allowance to noncurrent loans | 222.5873% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 2,495 |
| Noncurrent loans to loans | 0.7882% | 2,704 |
| Net loans and leases to total assets | 46.8682% | 5,031 |
| Net loans and leases to deposits | 54.6197% | 5,076 |
| Net loans and leases to core deposits | 55.3974% | 5,178 |
| Total domestic deposits to total assets | 85.8083% | 2,450 |
| Equity capital to assets | 14.0605% | 1,007 |
| Core capital (leverage) ratio | 14.0958% | 821 |
| Tier 1 risk-based capital ratio | 24.5847% | 850 |
| Total risk-based capital ratio | 25.8382% | 837 |
| Memoranda: | ||
| Average total assets | $127,691,250 | 3,892 |
| Average earning assets | $124,669,750 | 3,765 |
| Average equity | $17,867,250 | 3,453 |
| Average total loans | $62,958,000 | 4,224 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 4,333 |
| Cost of funding earning assets | 0.1693% | 5,417 |
| Net interest margin | 3.5192% | 3,417 |
| Noninterest income to average assets | 0.5209% | 3,058 |
| Noninterest expense to average assets | 2.3496% | 4,472 |
| Loan and lease loss provision to assets | 0.3305% | 506 |
| Net operating income to assets | 0.8722% | 2,996 |
| Return on assets (ROA) | 0.8797% | 3,084 |
| Pretax return on assets | 1.2858% | 2,463 |
| Return on Equity (ROE) | 6.2975% | 3,904 |
| Retained earnings to average equity (ytd only) | 4.9456% | 2,774 |
| Net charge-offs to loans | 0.5588% | 376 |
| Credit loss provision to net charge-offs | 118.6441% | 1,885 |
| Earnings coverage of net charge-offs (x) | 5.7627% | 2,824 |
| Efficiency ratio | 59.4111% | 4,724 |
| Assets per employee ($millions) | 6.2409% | 1,242 |
| Cash dividends to net income (ytd only)* | 21.4669% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 1,278 |
| Loan loss allowance to noncurrent loans | 375.7042% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.6954% | 2,895 |
| Noncurrent loans to loans | 0.4520% | 3,751 |
| Net loans and leases to total assets | 49.4885% | 4,873 |
| Net loans and leases to deposits | 58.0044% | 4,901 |
| Net loans and leases to core deposits | 58.8650% | 5,031 |
| Total domestic deposits to total assets | 85.3185% | 2,728 |
| Equity capital to assets | 14.4780% | 878 |
| Core capital (leverage) ratio | 14.0612% | 804 |
| Tier 1 risk-based capital ratio | 24.3031% | 876 |
| Total risk-based capital ratio | 25.5593% | 857 |
| Memoranda: | ||
| Average total assets | $127,084,330 | 3,930 |
| Average earning assets | $124,005,000 | 3,802 |
| Average equity | $17,753,000 | 3,479 |
| Average total loans | $63,349,330 | 4,248 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5824% | 4,670 |
| Cost of funding earning assets | 0.1727% | 5,444 |
| Net interest margin | 3.4097% | 3,840 |
| Noninterest income to average assets | 0.4742% | 3,314 |
| Noninterest expense to average assets | 2.2961% | 4,672 |
| Loan and lease loss provision to assets | 0.3744% | 384 |
| Net operating income to assets | 0.7612% | 3,433 |
| Return on assets (ROA) | 0.7612% | 3,543 |
| Pretax return on assets | 1.1293% | 2,975 |
| Return on Equity (ROE) | 5.5473% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.5473% | 2,611 |
| Net charge-offs to loans | 0.6981% | 306 |
| Credit loss provision to net charge-offs | 108.1081% | 1,531 |
| Earnings coverage of net charge-offs (x) | 4.3423% | 2,444 |
| Efficiency ratio | 60.4269% | 4,689 |
| Assets per employee ($millions) | 6.0039% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 1,482 |
| Loan loss allowance to noncurrent loans | 239.7701% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.8502% | 2,565 |
| Noncurrent loans to loans | 0.6887% | 3,125 |
| Net loans and leases to total assets | 49.2659% | 4,864 |
| Net loans and leases to deposits | 57.4336% | 4,891 |
| Net loans and leases to core deposits | 58.2709% | 5,031 |
| Total domestic deposits to total assets | 85.7790% | 2,772 |
| Equity capital to assets | 14.1250% | 938 |
| Core capital (leverage) ratio | 13.7093% | 903 |
| Tier 1 risk-based capital ratio | 24.1331% | 902 |
| Total risk-based capital ratio | 25.3855% | 886 |
| Memoranda: | ||
| Average total assets | $128,218,000 | 3,946 |
| Average earning assets | $125,055,500 | 3,803 |
| Average equity | $17,594,000 | 3,499 |
| Average total loans | $63,605,500 | 4,273 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 3,931 |
| Cost of funding earning assets | 0.1874% | 5,382 |
| Net interest margin | 3.6482% | 2,947 |
| Noninterest income to average assets | 0.5391% | 3,082 |
| Noninterest expense to average assets | 2.3788% | 4,564 |
| Loan and lease loss provision to assets | 0.2727% | 672 |
| Net operating income to assets | 1.0022% | 2,350 |
| Return on assets (ROA) | 1.0190% | 2,340 |
| Pretax return on assets | 1.4461% | 1,737 |
| Return on Equity (ROE) | 7.4211% | 3,295 |
| Retained earnings to average equity (ytd only) | 4.6251% | 2,691 |
| Net charge-offs to loans | 0.5385% | 477 |
| Credit loss provision to net charge-offs | 100.2941% | 2,494 |
| Earnings coverage of net charge-offs (x) | 6.2324% | 3,262 |
| Efficiency ratio | 58.3939% | 5,099 |
| Assets per employee ($millions) | 6.5178% | 1,092 |
| Cash dividends to net income (ytd only)* | 37.6766% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 1,574 |
| Loan loss allowance to noncurrent loans | 183.3333% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9037% | 2,404 |
| Noncurrent loans to loans | 0.8805% | 2,591 |
| Net loans and leases to total assets | 48.3441% | 4,986 |
| Net loans and leases to deposits | 55.7917% | 5,060 |
| Net loans and leases to core deposits | 56.3752% | 5,183 |
| Total domestic deposits to total assets | 86.6511% | 2,297 |
| Equity capital to assets | 13.3321% | 1,195 |
| Core capital (leverage) ratio | 13.1621% | 1,088 |
| Tier 1 risk-based capital ratio | 23.0431% | 1,009 |
| Total risk-based capital ratio | 24.2944% | 994 |
| Memoranda: | ||
| Average total assets | $125,023,400 | 3,986 |
| Average earning assets | $121,128,000 | 3,862 |
| Average equity | $17,167,200 | 3,509 |
| Average total loans | $63,142,200 | 4,287 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9036% | 3,737 |
| Cost of funding earning assets | 0.1906% | 5,458 |
| Net interest margin | 3.7131% | 2,708 |
| Noninterest income to average assets | 0.5659% | 2,945 |
| Noninterest expense to average assets | 2.3553% | 4,639 |
| Loan and lease loss provision to assets | 0.1628% | 1,311 |
| Net operating income to assets | 1.1386% | 1,870 |
| Return on assets (ROA) | 1.1609% | 1,860 |
| Pretax return on assets | 1.6719% | 1,183 |
| Return on Equity (ROE) | 8.3904% | 2,881 |
| Retained earnings to average equity (ytd only) | 7.4556% | 1,474 |
| Net charge-offs to loans | 0.3433% | 767 |
| Credit loss provision to net charge-offs | 93.2099% | 2,422 |
| Earnings coverage of net charge-offs (x) | 10.3212% | 2,605 |
| Efficiency ratio | 56.6502% | 5,263 |
| Assets per employee ($millions) | 6.1601% | 1,268 |
| Cash dividends to net income (ytd only)* | 11.1424% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6070% | 1,769 |
| Loan loss allowance to noncurrent loans | 309.6970% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.7321% | 3,080 |
| Noncurrent loans to loans | 0.5189% | 3,799 |
| Net loans and leases to total assets | 48.3712% | 5,055 |
| Net loans and leases to deposits | 56.0383% | 5,118 |
| Net loans and leases to core deposits | 56.6301% | 5,273 |
| Total domestic deposits to total assets | 86.3182% | 2,373 |
| Equity capital to assets | 13.5488% | 1,207 |
| Core capital (leverage) ratio | 13.6049% | 973 |
| Tier 1 risk-based capital ratio | 23.3040% | 1,020 |
| Total risk-based capital ratio | 24.5560% | 1,007 |
| Memoranda: | ||
| Average total assets | $123,690,500 | 4,051 |
| Average earning assets | $119,646,250 | 3,925 |
| Average equity | $17,114,250 | 3,541 |
| Average total loans | $62,914,500 | 4,338 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8861% | 3,744 |
| Cost of funding earning assets | 0.1940% | 5,499 |
| Net interest margin | 3.6922% | 2,748 |
| Noninterest income to average assets | 0.5862% | 2,815 |
| Noninterest expense to average assets | 2.4302% | 4,461 |
| Loan and lease loss provision to assets | 0.1576% | 1,349 |
| Net operating income to assets | 1.0688% | 2,061 |
| Return on assets (ROA) | 1.1034% | 2,029 |
| Pretax return on assets | 1.6125% | 1,295 |
| Return on Equity (ROE) | 7.9167% | 3,103 |
| Retained earnings to average equity (ytd only) | 6.5030% | 1,942 |
| Net charge-offs to loans | 0.1691% | 1,453 |
| Credit loss provision to net charge-offs | 181.1321% | 1,335 |
| Earnings coverage of net charge-offs (x) | 19.7547% | 1,739 |
| Efficiency ratio | 58.5675% | 5,160 |
| Assets per employee ($millions) | 5.8294% | 1,476 |
| Cash dividends to net income (ytd only)* | 17.8571% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6900% | 1,626 |
| Loan loss allowance to noncurrent loans | 343.7700% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7589% | 3,110 |
| Noncurrent loans to loans | 0.4916% | 3,998 |
| Net loans and leases to total assets | 51.1289% | 4,836 |
| Net loans and leases to deposits | 59.5470% | 4,890 |
| Net loans and leases to core deposits | 60.2143% | 5,063 |
| Total domestic deposits to total assets | 85.8632% | 2,765 |
| Equity capital to assets | 14.0355% | 972 |
| Core capital (leverage) ratio | 13.9271% | 861 |
| Tier 1 risk-based capital ratio | 18.9371% | 1,803 |
| Total risk-based capital ratio | 20.1412% | 1,781 |
| Memoranda: | ||
| Average total assets | $121,800,000 | 4,122 |
| Average earning assets | $117,546,000 | 3,999 |
| Average equity | $16,976,670 | 3,569 |
| Average total loans | $62,687,330 | 4,382 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 3,851 |
| Cost of funding earning assets | 0.1983% | 5,533 |
| Net interest margin | 3.6441% | 2,838 |
| Noninterest income to average assets | 0.4675% | 3,517 |
| Noninterest expense to average assets | 2.4529% | 4,432 |
| Loan and lease loss provision to assets | 0.1679% | 1,191 |
| Net operating income to assets | 0.9917% | 2,300 |
| Return on assets (ROA) | 0.8955% | 2,890 |
| Pretax return on assets | 1.2248% | 2,571 |
| Return on Equity (ROE) | 6.4478% | 3,801 |
| Retained earnings to average equity (ytd only) | 3.6032% | 3,839 |
| Net charge-offs to loans | 0.0129% | 2,929 |
| Credit loss provision to net charge-offs | 2,550.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 231.5000% | 242 |
| Efficiency ratio | 61.6722% | 4,849 |
| Assets per employee ($millions) | 5.8393% | 1,523 |
| Cash dividends to net income (ytd only)* | 44.1176% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7398% | 1,640 |
| Loan loss allowance to noncurrent loans | 385.0534% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.7372% | 3,281 |
| Noncurrent loans to loans | 0.4518% | 4,228 |
| Net loans and leases to total assets | 49.8336% | 4,870 |
| Net loans and leases to deposits | 58.0129% | 4,914 |
| Net loans and leases to core deposits | 58.6599% | 5,079 |
| Total domestic deposits to total assets | 85.9010% | 2,994 |
| Equity capital to assets | 13.8926% | 1,017 |
| Core capital (leverage) ratio | 11.7032% | 1,850 |
| Tier 1 risk-based capital ratio | 20.5836% | 1,512 |
| Total risk-based capital ratio | 21.8374% | 1,475 |
| Memoranda: | ||
| Average total assets | $121,491,000 | 4,159 |
| Average earning assets | $117,010,000 | 4,041 |
| Average equity | $16,874,000 | 3,605 |
| Average total loans | $62,197,500 | 4,425 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 3,484 |
| Cost of funding earning assets | 0.2343% | 5,476 |
| Net interest margin | 3.8256% | 2,526 |
| Noninterest income to average assets | 0.4772% | 3,666 |
| Noninterest expense to average assets | 2.4608% | 4,671 |
| Loan and lease loss provision to assets | 0.1714% | 1,517 |
| Net operating income to assets | 1.0326% | 2,254 |
| Return on assets (ROA) | 1.0326% | 2,325 |
| Pretax return on assets | 1.4804% | 1,616 |
| Return on Equity (ROE) | 7.4756% | 3,389 |
| Retained earnings to average equity (ytd only) | 4.5559% | 2,930 |
| Net charge-offs to loans | 0.3176% | 1,391 |
| Credit loss provision to net charge-offs | 105.6995% | 2,267 |
| Earnings coverage of net charge-offs (x) | 10.1865% | 2,645 |
| Efficiency ratio | 59.8366% | 5,244 |
| Assets per employee ($millions) | 5.7312% | 1,578 |
| Cash dividends to net income (ytd only)* | 39.0561% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 1,890 |
| Loan loss allowance to noncurrent loans | 478.2407% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7004% | 3,472 |
| Noncurrent loans to loans | 0.3472% | 4,616 |
| Net loans and leases to total assets | 50.8251% | 4,886 |
| Net loans and leases to deposits | 59.0380% | 4,980 |
| Net loans and leases to core deposits | 59.7099% | 5,163 |
| Total domestic deposits to total assets | 86.0888% | 2,791 |
| Equity capital to assets | 13.8855% | 999 |
| Core capital (leverage) ratio | 13.5877% | 948 |
| Tier 1 risk-based capital ratio | 22.7477% | 1,116 |
| Total risk-based capital ratio | 24.0002% | 1,098 |
| Memoranda: | ||
| Average total assets | $119,025,600 | 4,203 |
| Average earning assets | $113,106,000 | 4,111 |
| Average equity | $16,440,200 | 3,611 |
| Average total loans | $60,773,000 | 4,466 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0843% | 3,441 |
| Cost of funding earning assets | 0.2397% | 5,517 |
| Net interest margin | 3.8446% | 2,454 |
| Noninterest income to average assets | 0.4628% | 3,791 |
| Noninterest expense to average assets | 2.4017% | 4,815 |
| Loan and lease loss provision to assets | 0.1719% | 1,434 |
| Net operating income to assets | 1.0975% | 2,047 |
| Return on assets (ROA) | 1.0975% | 2,110 |
| Pretax return on assets | 1.5288% | 1,549 |
| Return on Equity (ROE) | 7.9563% | 3,235 |
| Retained earnings to average equity (ytd only) | 6.1973% | 2,275 |
| Net charge-offs to loans | 0.2229% | 1,706 |
| Credit loss provision to net charge-offs | 151.4851% | 1,571 |
| Earnings coverage of net charge-offs (x) | 14.9905% | 2,091 |
| Efficiency ratio | 58.5433% | 5,374 |
| Assets per employee ($millions) | 6.4017% | 1,080 |
| Cash dividends to net income (ytd only)* | 22.1084% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7076% | 1,946 |
| Loan loss allowance to noncurrent loans | 556.4767% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 3,781 |
| Noncurrent loans to loans | 0.3069% | 4,988 |
| Net loans and leases to total assets | 50.8275% | 4,910 |
| Net loans and leases to deposits | 59.0681% | 5,013 |
| Net loans and leases to core deposits | 59.7283% | 5,211 |
| Total domestic deposits to total assets | 86.0490% | 2,823 |
| Equity capital to assets | 13.7693% | 1,084 |
| Core capital (leverage) ratio | 13.7709% | 906 |
| Tier 1 risk-based capital ratio | 22.6737% | 1,164 |
| Total risk-based capital ratio | 23.9268% | 1,142 |
| Memoranda: | ||
| Average total assets | $118,693,000 | 4,246 |
| Average earning assets | $112,363,250 | 4,160 |
| Average equity | $16,372,250 | 3,637 |
| Average total loans | $60,415,250 | 4,516 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 3,520 |
| Cost of funding earning assets | 0.2464% | 5,520 |
| Net interest margin | 3.8100% | 2,533 |
| Noninterest income to average assets | 0.4689% | 3,728 |
| Noninterest expense to average assets | 2.4993% | 4,577 |
| Loan and lease loss provision to assets | 0.1733% | 1,412 |
| Net operating income to assets | 0.9787% | 2,417 |
| Return on assets (ROA) | 0.9787% | 2,494 |
| Pretax return on assets | 1.3949% | 1,905 |
| Return on Equity (ROE) | 7.0905% | 3,580 |
| Retained earnings to average equity (ytd only) | 5.6133% | 2,570 |
| Net charge-offs to loans | 0.3021% | 1,338 |
| Credit loss provision to net charge-offs | 113.3333% | 1,780 |
| Earnings coverage of net charge-offs (x) | 10.2556% | 2,268 |
| Efficiency ratio | 61.4453% | 5,081 |
| Assets per employee ($millions) | 6.2599% | 1,131 |
| Cash dividends to net income (ytd only)* | 20.8333% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 2,114 |
| Loan loss allowance to noncurrent loans | 276.4706% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 3,397 |
| Noncurrent loans to loans | 0.6170% | 4,176 |
| Net loans and leases to total assets | 50.0908% | 4,954 |
| Net loans and leases to deposits | 58.4753% | 4,997 |
| Net loans and leases to core deposits | 59.1458% | 5,190 |
| Total domestic deposits to total assets | 85.6614% | 3,209 |
| Equity capital to assets | 14.0098% | 966 |
| Core capital (leverage) ratio | 13.6703% | 926 |
| Tier 1 risk-based capital ratio | 22.8138% | 1,138 |
| Total risk-based capital ratio | 24.0659% | 1,124 |
| Memoranda: | ||
| Average total assets | $117,713,000 | 4,292 |
| Average earning assets | $111,179,670 | 4,213 |
| Average equity | $16,247,000 | 3,652 |
| Average total loans | $59,588,000 | 4,560 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 4,066 |
| Cost of funding earning assets | 0.2443% | 5,642 |
| Net interest margin | 3.6607% | 3,017 |
| Noninterest income to average assets | 0.4099% | 4,104 |
| Noninterest expense to average assets | 2.5721% | 4,370 |
| Loan and lease loss provision to assets | 0.1742% | 1,389 |
| Net operating income to assets | 0.5226% | 4,577 |
| Return on assets (ROA) | 0.5226% | 4,649 |
| Pretax return on assets | 1.0931% | 2,937 |
| Return on Equity (ROE) | 3.8157% | 5,129 |
| Retained earnings to average equity (ytd only) | 2.3193% | 4,674 |
| Net charge-offs to loans | 0.2167% | 1,456 |
| Credit loss provision to net charge-offs | 159.3750% | 1,202 |
| Earnings coverage of net charge-offs (x) | 11.5938% | 1,772 |
| Efficiency ratio | 66.9929% | 4,364 |
| Assets per employee ($millions) | 6.3164% | 1,107 |
| Cash dividends to net income (ytd only)* | 39.2157% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7720% | 2,123 |
| Loan loss allowance to noncurrent loans | 218.0294% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 3,377 |
| Noncurrent loans to loans | 0.8127% | 3,848 |
| Net loans and leases to total assets | 48.0389% | 5,124 |
| Net loans and leases to deposits | 55.6954% | 5,137 |
| Net loans and leases to core deposits | 56.8000% | 5,293 |
| Total domestic deposits to total assets | 86.2529% | 3,231 |
| Equity capital to assets | 13.4513% | 1,114 |
| Core capital (leverage) ratio | 13.4894% | 976 |
| Tier 1 risk-based capital ratio | 22.5491% | 1,199 |
| Total risk-based capital ratio | 23.8024% | 1,179 |
| Memoranda: | ||
| Average total assets | $117,100,500 | 4,336 |
| Average earning assets | $109,705,000 | 4,282 |
| Average equity | $16,039,000 | 3,690 |
| Average total loans | $59,076,500 | 4,622 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 3,751 |
| Cost of funding earning assets | 0.2935% | 5,647 |
| Net interest margin | 3.8036% | 2,643 |
| Noninterest income to average assets | 0.4965% | 3,786 |
| Noninterest expense to average assets | 2.3852% | 5,113 |
| Loan and lease loss provision to assets | 0.1917% | 1,929 |
| Net operating income to assets | 1.0398% | 2,156 |
| Return on assets (ROA) | 1.0398% | 2,226 |
| Pretax return on assets | 1.5141% | 1,398 |
| Return on Equity (ROE) | 7.3515% | 3,384 |
| Retained earnings to average equity (ytd only) | 4.6157% | 2,875 |
| Net charge-offs to loans | 0.3864% | 1,750 |
| Credit loss provision to net charge-offs | 96.4444% | 2,591 |
| Earnings coverage of net charge-offs (x) | 8.5822% | 2,643 |
| Efficiency ratio | 58.3027% | 5,699 |
| Assets per employee ($millions) | 6.0100% | 1,265 |
| Cash dividends to net income (ytd only)* | 37.2133% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7188% | 2,337 |
| Loan loss allowance to noncurrent loans | 291.1681% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 3,695 |
| Noncurrent loans to loans | 0.5903% | 4,510 |
| Net loans and leases to total assets | 51.1770% | 4,954 |
| Net loans and leases to deposits | 59.5187% | 4,977 |
| Net loans and leases to core deposits | 60.3921% | 5,191 |
| Total domestic deposits to total assets | 85.9848% | 3,265 |
| Equity capital to assets | 13.9548% | 913 |
| Core capital (leverage) ratio | 13.6990% | 900 |
| Tier 1 risk-based capital ratio | 22.6178% | 1,158 |
| Total risk-based capital ratio | 23.8708% | 1,136 |
| Memoranda: | ||
| Average total assets | $113,199,800 | 4,429 |
| Average earning assets | $106,976,200 | 4,339 |
| Average equity | $16,010,400 | 3,699 |
| Average total loans | $58,231,600 | 4,678 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 3,942 |
| Cost of funding earning assets | 0.2987% | 5,751 |
| Net interest margin | 3.7497% | 2,847 |
| Noninterest income to average assets | 0.5005% | 3,803 |
| Noninterest expense to average assets | 2.2451% | 5,494 |
| Loan and lease loss provision to assets | 0.1676% | 2,165 |
| Net operating income to assets | 1.1344% | 1,869 |
| Return on assets (ROA) | 1.1344% | 1,940 |
| Pretax return on assets | 1.6585% | 1,190 |
| Return on Equity (ROE) | 7.9935% | 3,125 |
| Retained earnings to average equity (ytd only) | 6.4963% | 2,132 |
| Net charge-offs to loans | 0.4558% | 1,408 |
| Credit loss provision to net charge-offs | 71.7172% | 3,035 |
| Earnings coverage of net charge-offs (x) | 7.8133% | 2,726 |
| Efficiency ratio | 55.1464% | 6,011 |
| Assets per employee ($millions) | 5.9098% | 1,303 |
| Cash dividends to net income (ytd only)* | 18.7302% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 2,788 |
| Loan loss allowance to noncurrent loans | 213.1291% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.9912% | 3,678 |
| Noncurrent loans to loans | 0.7757% | 4,296 |
| Net loans and leases to total assets | 51.5972% | 4,930 |
| Net loans and leases to deposits | 60.3303% | 4,936 |
| Net loans and leases to core deposits | 61.2338% | 5,191 |
| Total domestic deposits to total assets | 85.5246% | 3,483 |
| Equity capital to assets | 14.2599% | 893 |
| Core capital (leverage) ratio | 14.0891% | 852 |
| Tier 1 risk-based capital ratio | 23.0990% | 1,126 |
| Total risk-based capital ratio | 24.3516% | 1,115 |
| Memoranda: | ||
| Average total assets | $112,952,250 | 4,486 |
| Average earning assets | $107,562,750 | 4,366 |
| Average equity | $16,029,250 | 3,736 |
| Average total loans | $57,924,250 | 4,735 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 4,178 |
| Cost of funding earning assets | 0.3060% | 5,785 |
| Net interest margin | 3.6762% | 3,050 |
| Noninterest income to average assets | 0.4913% | 3,893 |
| Noninterest expense to average assets | 2.1330% | 5,793 |
| Loan and lease loss provision to assets | 0.1537% | 2,396 |
| Net operating income to assets | 1.1345% | 1,794 |
| Return on assets (ROA) | 1.1345% | 1,909 |
| Pretax return on assets | 1.7071% | 1,098 |
| Return on Equity (ROE) | 8.0075% | 3,097 |
| Retained earnings to average equity (ytd only) | 6.5108% | 2,135 |
| Net charge-offs to loans | 0.4063% | 1,590 |
| Credit loss provision to net charge-offs | 74.3590% | 2,734 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,337 |
| Efficiency ratio | 53.4071% | 6,190 |
| Assets per employee ($millions) | 5.8645% | 1,296 |
| Cash dividends to net income (ytd only)* | 18.6916% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7199% | 2,707 |
| Loan loss allowance to noncurrent loans | 241.5459% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9603% | 3,859 |
| Noncurrent loans to loans | 0.7120% | 4,507 |
| Net loans and leases to total assets | 51.2829% | 4,956 |
| Net loans and leases to deposits | 60.2281% | 4,954 |
| Net loans and leases to core deposits | 61.1399% | 5,163 |
| Total domestic deposits to total assets | 85.1479% | 3,823 |
| Equity capital to assets | 14.3729% | 853 |
| Core capital (leverage) ratio | 13.7952% | 882 |
| Tier 1 risk-based capital ratio | 22.9016% | 1,150 |
| Total risk-based capital ratio | 24.1540% | 1,138 |
| Memoranda: | ||
| Average total assets | $113,174,000 | 4,505 |
| Average earning assets | $107,827,670 | 4,391 |
| Average equity | $16,035,000 | 3,767 |
| Average total loans | $57,595,330 | 4,763 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7907% | 4,851 |
| Cost of funding earning assets | 0.3221% | 5,785 |
| Net interest margin | 3.4687% | 3,824 |
| Noninterest income to average assets | 0.4665% | 4,015 |
| Noninterest expense to average assets | 2.3253% | 5,352 |
| Loan and lease loss provision to assets | 0.1438% | 2,442 |
| Net operating income to assets | 0.8102% | 3,099 |
| Return on assets (ROA) | 0.8102% | 3,235 |
| Pretax return on assets | 1.2837% | 2,282 |
| Return on Equity (ROE) | 5.7588% | 4,173 |
| Retained earnings to average equity (ytd only) | 4.2630% | 3,670 |
| Net charge-offs to loans | 0.2721% | 1,868 |
| Credit loss provision to net charge-offs | 105.1282% | 1,754 |
| Earnings coverage of net charge-offs (x) | 10.4359% | 1,743 |
| Efficiency ratio | 61.9626% | 5,307 |
| Assets per employee ($millions) | 6.0157% | 1,243 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8309% | 2,514 |
| Loan loss allowance to noncurrent loans | 235.0797% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.9633% | 4,005 |
| Noncurrent loans to loans | 0.7789% | 4,561 |
| Net loans and leases to total assets | 48.4112% | 5,185 |
| Net loans and leases to deposits | 56.8229% | 5,156 |
| Net loans and leases to core deposits | 57.4978% | 5,389 |
| Total domestic deposits to total assets | 85.1966% | 3,947 |
| Equity capital to assets | 14.0790% | 1,002 |
| Core capital (leverage) ratio | 13.4092% | 971 |
| Tier 1 risk-based capital ratio | 22.5632% | 1,227 |
| Total risk-based capital ratio | 23.8168% | 1,210 |
| Memoranda: | ||
| Average total assets | $114,048,500 | 4,527 |
| Average earning assets | $108,053,500 | 4,423 |
| Average equity | $16,045,000 | 3,814 |
| Average total loans | $57,322,000 | 4,804 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 4,539 |
| Cost of funding earning assets | 0.4491% | 5,583 |
| Net interest margin | 3.7631% | 3,380 |
| Noninterest income to average assets | 0.5011% | 3,888 |
| Noninterest expense to average assets | 2.4808% | 5,161 |
| Loan and lease loss provision to assets | 0.1832% | 3,346 |
| Net operating income to assets | 1.0147% | 2,275 |
| Return on assets (ROA) | 1.0673% | 2,244 |
| Pretax return on assets | 1.5198% | 1,622 |
| Return on Equity (ROE) | 7.4192% | 3,395 |
| Retained earnings to average equity (ytd only) | 4.2095% | 3,265 |
| Net charge-offs to loans | 0.2960% | 3,168 |
| Credit loss provision to net charge-offs | 125.7862% | 2,247 |
| Earnings coverage of net charge-offs (x) | 11.1761% | 2,064 |
| Efficiency ratio | 60.3790% | 5,489 |
| Assets per employee ($millions) | 5.9894% | 1,285 |
| Cash dividends to net income (ytd only)* | 43.2618% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 2,702 |
| Loan loss allowance to noncurrent loans | 184.5878% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 1.0756% | 3,875 |
| Noncurrent loans to loans | 0.9575% | 4,284 |
| Net loans and leases to total assets | 50.3071% | 5,123 |
| Net loans and leases to deposits | 58.9995% | 5,126 |
| Net loans and leases to core deposits | 59.6978% | 5,394 |
| Total domestic deposits to total assets | 85.2670% | 3,729 |
| Equity capital to assets | 14.0581% | 1,027 |
| Core capital (leverage) ratio | 13.5191% | 933 |
| Tier 1 risk-based capital ratio | 20.9503% | 1,471 |
| Total risk-based capital ratio | 22.2022% | 1,447 |
| Memoranda: | ||
| Average total assets | $109,157,800 | 4,610 |
| Average earning assets | $104,647,200 | 4,477 |
| Average equity | $15,702,600 | 3,828 |
| Average total loans | $53,721,000 | 4,954 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 4,760 |
| Cost of funding earning assets | 0.4645% | 5,684 |
| Net interest margin | 3.7520% | 3,539 |
| Noninterest income to average assets | 0.5062% | 3,886 |
| Noninterest expense to average assets | 2.5407% | 4,956 |
| Loan and lease loss provision to assets | 0.2099% | 2,972 |
| Net operating income to assets | 0.9160% | 2,902 |
| Return on assets (ROA) | 0.9160% | 3,126 |
| Pretax return on assets | 1.3753% | 2,323 |
| Return on Equity (ROE) | 6.3301% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.0779% | 4,023 |
| Net charge-offs to loans | 0.2155% | 3,434 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 15.1060% | 1,791 |
| Efficiency ratio | 61.5799% | 5,221 |
| Assets per employee ($millions) | 5.8942% | 1,313 |
| Cash dividends to net income (ytd only)* | 35.5793% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9780% | 2,230 |
| Loan loss allowance to noncurrent loans | 208.9494% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 4,178 |
| Noncurrent loans to loans | 0.9466% | 4,548 |
| Net loans and leases to total assets | 47.5257% | 5,604 |
| Net loans and leases to deposits | 56.0082% | 5,633 |
| Net loans and leases to core deposits | 56.6804% | 5,839 |
| Total domestic deposits to total assets | 84.8549% | 3,809 |
| Equity capital to assets | 14.2656% | 1,055 |
| Core capital (leverage) ratio | 13.7608% | 919 |
| Tier 1 risk-based capital ratio | 22.6608% | 1,226 |
| Total risk-based capital ratio | 23.9163% | 1,206 |
| Memoranda: | ||
| Average total assets | $107,997,500 | 4,686 |
| Average earning assets | $104,189,500 | 4,535 |
| Average equity | $15,628,750 | 3,876 |
| Average total loans | $52,581,500 | 5,045 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 4,603 |
| Cost of funding earning assets | 0.4738% | 5,805 |
| Net interest margin | 3.8191% | 3,274 |
| Noninterest income to average assets | 0.5231% | 3,760 |
| Noninterest expense to average assets | 2.5481% | 4,965 |
| Loan and lease loss provision to assets | 0.2250% | 2,829 |
| Net operating income to assets | 0.9150% | 2,836 |
| Return on assets (ROA) | 0.9150% | 3,099 |
| Pretax return on assets | 1.4381% | 2,054 |
| Return on Equity (ROE) | 6.2915% | 4,166 |
| Retained earnings to average equity (ytd only) | 3.9709% | 3,968 |
| Net charge-offs to loans | 0.2500% | 3,079 |
| Credit loss provision to net charge-offs | 184.6154% | 1,537 |
| Earnings coverage of net charge-offs (x) | 13.6462% | 1,778 |
| Efficiency ratio | 60.5076% | 5,496 |
| Assets per employee ($millions) | 5.6789% | 1,460 |
| Cash dividends to net income (ytd only)* | 36.8852% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9724% | 2,305 |
| Loan loss allowance to noncurrent loans | 196.2406% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 4,160 |
| Noncurrent loans to loans | 1.0051% | 4,497 |
| Net loans and leases to total assets | 48.0880% | 5,604 |
| Net loans and leases to deposits | 56.9018% | 5,561 |
| Net loans and leases to core deposits | 57.6093% | 5,802 |
| Total domestic deposits to total assets | 84.5107% | 4,096 |
| Equity capital to assets | 14.5950% | 890 |
| Core capital (leverage) ratio | 13.6794% | 906 |
| Tier 1 risk-based capital ratio | 22.5370% | 1,192 |
| Total risk-based capital ratio | 23.7910% | 1,178 |
| Memoranda: | ||
| Average total assets | $106,666,670 | 4,740 |
| Average earning assets | $103,007,330 | 4,601 |
| Average equity | $15,513,000 | 3,888 |
| Average total loans | $52,009,330 | 5,107 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2323% | 4,989 |
| Cost of funding earning assets | 0.4824% | 5,927 |
| Net interest margin | 3.7499% | 3,597 |
| Noninterest income to average assets | 0.4639% | 4,193 |
| Noninterest expense to average assets | 2.6742% | 4,527 |
| Loan and lease loss provision to assets | 0.2263% | 2,685 |
| Net operating income to assets | 0.7391% | 3,684 |
| Return on assets (ROA) | 0.7657% | 3,775 |
| Pretax return on assets | 1.2409% | 2,763 |
| Return on Equity (ROE) | 5.2743% | 4,655 |
| Retained earnings to average equity (ytd only) | 3.7154% | 4,359 |
| Net charge-offs to loans | 0.1474% | 3,213 |
| Credit loss provision to net charge-offs | 315.7895% | 941 |
| Earnings coverage of net charge-offs (x) | 19.8947% | 1,209 |
| Efficiency ratio | 65.2254% | 4,694 |
| Assets per employee ($millions) | 5.7230% | 1,501 |
| Cash dividends to net income (ytd only)* | 29.5567% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9959% | 2,368 |
| Loan loss allowance to noncurrent loans | 169.4079% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 1.1781% | 4,163 |
| Noncurrent loans to loans | 1.1781% | 4,366 |
| Net loans and leases to total assets | 46.5131% | 5,731 |
| Net loans and leases to deposits | 54.7655% | 5,726 |
| Net loans and leases to core deposits | 55.2815% | 5,967 |
| Total domestic deposits to total assets | 84.9315% | 4,077 |
| Equity capital to assets | 14.1976% | 951 |
| Core capital (leverage) ratio | 13.7200% | 874 |
| Tier 1 risk-based capital ratio | 22.5990% | 1,190 |
| Total risk-based capital ratio | 23.8535% | 1,168 |
| Memoranda: | ||
| Average total assets | $106,050,000 | 4,788 |
| Average earning assets | $102,828,500 | 4,636 |
| Average equity | $15,395,500 | 3,912 |
| Average total loans | $51,548,500 | 5,161 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 5,003 |
| Cost of funding earning assets | 0.6454% | 5,851 |
| Net interest margin | 3.8714% | 3,469 |
| Noninterest income to average assets | 0.5830% | 3,274 |
| Noninterest expense to average assets | 2.6787% | 4,822 |
| Loan and lease loss provision to assets | 0.3042% | 3,234 |
| Net operating income to assets | 0.9437% | 2,435 |
| Return on assets (ROA) | 1.0605% | 2,101 |
| Pretax return on assets | 1.4783% | 1,537 |
| Return on Equity (ROE) | 7.0907% | 3,362 |
| Retained earnings to average equity (ytd only) | 4.3249% | 3,105 |
| Net charge-offs to loans | 0.5122% | 2,939 |
| Credit loss provision to net charge-offs | 120.9677% | 2,624 |
| Earnings coverage of net charge-offs (x) | 6.4435% | 2,518 |
| Efficiency ratio | 62.3113% | 5,410 |
| Assets per employee ($millions) | 5.4402% | 1,703 |
| Cash dividends to net income (ytd only)* | 39.0057% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9208% | 2,504 |
| Loan loss allowance to noncurrent loans | 97.0559% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.0884% | 4,442 |
| Noncurrent loans to loans | 1.9790% | 3,236 |
| Net loans and leases to total assets | 48.8579% | 5,735 |
| Net loans and leases to deposits | 57.9931% | 5,697 |
| Net loans and leases to core deposits | 58.5682% | 5,968 |
| Total domestic deposits to total assets | 84.2477% | 4,218 |
| Equity capital to assets | 14.8535% | 815 |
| Core capital (leverage) ratio | 14.0126% | 823 |
| Tier 1 risk-based capital ratio | 23.2546% | 1,073 |
| Total risk-based capital ratio | 24.5094% | 1,052 |
| Memoranda: | ||
| Average total assets | $98,629,000 | 4,926 |
| Average earning assets | $94,669,000 | 4,789 |
| Average equity | $14,751,800 | 3,957 |
| Average total loans | $48,415,000 | 5,328 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 5,156 |
| Cost of funding earning assets | 0.6698% | 5,935 |
| Net interest margin | 3.8618% | 3,565 |
| Noninterest income to average assets | 0.5829% | 3,275 |
| Noninterest expense to average assets | 2.6914% | 4,763 |
| Loan and lease loss provision to assets | 0.3694% | 2,640 |
| Net operating income to assets | 0.8478% | 2,950 |
| Return on assets (ROA) | 0.9988% | 2,478 |
| Pretax return on assets | 1.4490% | 1,791 |
| Return on Equity (ROE) | 6.6658% | 3,681 |
| Retained earnings to average equity (ytd only) | 5.0222% | 3,159 |
| Net charge-offs to loans | 0.5065% | 2,733 |
| Credit loss provision to net charge-offs | 149.1713% | 2,105 |
| Earnings coverage of net charge-offs (x) | 6.4585% | 2,549 |
| Efficiency ratio | 62.7232% | 5,286 |
| Assets per employee ($millions) | 5.4317% | 1,666 |
| Cash dividends to net income (ytd only)* | 24.6571% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0289% | 2,258 |
| Loan loss allowance to noncurrent loans | 94.4751% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 4,472 |
| Noncurrent loans to loans | 2.1476% | 3,185 |
| Net loans and leases to total assets | 48.0054% | 5,955 |
| Net loans and leases to deposits | 57.0575% | 5,929 |
| Net loans and leases to core deposits | 57.6195% | 6,160 |
| Total domestic deposits to total assets | 84.1352% | 4,165 |
| Equity capital to assets | 14.7757% | 911 |
| Core capital (leverage) ratio | 14.3032% | 819 |
| Tier 1 risk-based capital ratio | 23.2689% | 1,113 |
| Total risk-based capital ratio | 24.5241% | 1,094 |
| Memoranda: | ||
| Average total assets | $97,445,500 | 4,998 |
| Average earning assets | $93,563,750 | 4,857 |
| Average equity | $14,601,500 | 4,000 |
| Average total loans | $47,646,250 | 5,402 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 5,329 |
| Cost of funding earning assets | 0.6970% | 5,982 |
| Net interest margin | 3.8106% | 3,732 |
| Noninterest income to average assets | 0.5988% | 3,154 |
| Noninterest expense to average assets | 2.7574% | 4,603 |
| Loan and lease loss provision to assets | 0.3769% | 2,531 |
| Net operating income to assets | 0.8668% | 2,789 |
| Return on assets (ROA) | 0.8668% | 2,878 |
| Pretax return on assets | 1.1390% | 2,698 |
| Return on Equity (ROE) | 5.7557% | 4,085 |
| Retained earnings to average equity (ytd only) | 4.0874% | 3,596 |
| Net charge-offs to loans | 0.4885% | 2,637 |
| Credit loss provision to net charge-offs | 157.8947% | 1,929 |
| Earnings coverage of net charge-offs (x) | 6.3509% | 2,415 |
| Efficiency ratio | 64.5272% | 5,143 |
| Assets per employee ($millions) | 5.1604% | 1,921 |
| Cash dividends to net income (ytd only)* | 28.9855% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0866% | 2,143 |
| Loan loss allowance to noncurrent loans | 90.9338% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.2371% | 4,427 |
| Noncurrent loans to loans | 2.2947% | 3,109 |
| Net loans and leases to total assets | 48.0020% | 6,048 |
| Net loans and leases to deposits | 57.0430% | 6,047 |
| Net loans and leases to core deposits | 57.6290% | 6,296 |
| Total domestic deposits to total assets | 84.1506% | 4,283 |
| Equity capital to assets | 15.0488% | 812 |
| Core capital (leverage) ratio | 14.4126% | 780 |
| Tier 1 risk-based capital ratio | 24.1330% | 990 |
| Total risk-based capital ratio | 25.3892% | 969 |
| Memoranda: | ||
| Average total assets | $95,526,330 | 5,087 |
| Average earning assets | $92,112,670 | 4,931 |
| Average equity | $14,385,670 | 4,042 |
| Average total loans | $46,672,000 | 5,489 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4033% | 5,685 |
| Cost of funding earning assets | 0.7251% | 6,004 |
| Net interest margin | 3.6782% | 4,211 |
| Noninterest income to average assets | 0.5474% | 3,530 |
| Noninterest expense to average assets | 2.8727% | 4,175 |
| Loan and lease loss provision to assets | 0.3819% | 2,273 |
| Net operating income to assets | 0.6832% | 3,592 |
| Return on assets (ROA) | 0.6832% | 3,659 |
| Pretax return on assets | 0.8444% | 3,725 |
| Return on Equity (ROE) | 4.5349% | 4,631 |
| Retained earnings to average equity (ytd only) | 2.8449% | 4,462 |
| Net charge-offs to loans | 0.6351% | 1,932 |
| Credit loss provision to net charge-offs | 123.2877% | 2,228 |
| Earnings coverage of net charge-offs (x) | 3.9589% | 2,597 |
| Efficiency ratio | 70.0828% | 4,254 |
| Assets per employee ($millions) | 5.0766% | 2,058 |
| Cash dividends to net income (ytd only)* | 37.2671% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0937% | 2,200 |
| Loan loss allowance to noncurrent loans | 100.6329% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1000% | 4,723 |
| Noncurrent loans to loans | 2.0805% | 3,469 |
| Net loans and leases to total assets | 46.2516% | 6,264 |
| Net loans and leases to deposits | 54.6555% | 6,241 |
| Net loans and leases to core deposits | 55.3932% | 6,458 |
| Total domestic deposits to total assets | 84.6239% | 4,215 |
| Equity capital to assets | 14.8266% | 805 |
| Core capital (leverage) ratio | 14.2621% | 790 |
| Tier 1 risk-based capital ratio | 24.6451% | 915 |
| Total risk-based capital ratio | 25.9011% | 892 |
| Memoranda: | ||
| Average total assets | $94,265,500 | 5,160 |
| Average earning assets | $91,022,000 | 5,007 |
| Average equity | $14,201,000 | 4,071 |
| Average total loans | $45,974,000 | 5,560 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8335% | 5,297 |
| Cost of funding earning assets | 0.8741% | 6,276 |
| Net interest margin | 3.9594% | 3,216 |
| Noninterest income to average assets | 0.5551% | 3,788 |
| Noninterest expense to average assets | 2.8846% | 4,298 |
| Loan and lease loss provision to assets | 0.3862% | 3,797 |
| Net operating income to assets | 0.8704% | 2,503 |
| Return on assets (ROA) | 0.8784% | 2,610 |
| Pretax return on assets | 1.0881% | 2,622 |
| Return on Equity (ROE) | 5.6910% | 3,737 |
| Retained earnings to average equity (ytd only) | 3.7177% | 3,264 |
| Net charge-offs to loans | 0.6984% | 2,912 |
| Credit loss provision to net charge-offs | 103.8576% | 4,329 |
| Earnings coverage of net charge-offs (x) | 3.9377% | 3,130 |
| Efficiency ratio | 66.3283% | 4,910 |
| Assets per employee ($millions) | 4.8461% | 2,348 |
| Cash dividends to net income (ytd only)* | 34.6734% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0202% | 2,255 |
| Loan loss allowance to noncurrent loans | 58.5259% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.8637% | 3,533 |
| Noncurrent loans to loans | 3.4518% | 2,197 |
| Net loans and leases to total assets | 49.3560% | 6,234 |
| Net loans and leases to deposits | 58.5813% | 6,202 |
| Net loans and leases to core deposits | 59.2102% | 6,455 |
| Total domestic deposits to total assets | 84.2521% | 4,243 |
| Equity capital to assets | 15.3145% | 715 |
| Core capital (leverage) ratio | 14.6331% | 724 |
| Tier 1 risk-based capital ratio | 24.4470% | 892 |
| Total risk-based capital ratio | 25.7022% | 877 |
| Memoranda: | ||
| Average total assets | $90,619,200 | 5,271 |
| Average earning assets | $86,830,600 | 5,125 |
| Average equity | $13,987,000 | 4,147 |
| Average total loans | $48,255,200 | 5,550 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 5,114 |
| Cost of funding earning assets | 0.8988% | 6,396 |
| Net interest margin | 4.0353% | 2,928 |
| Noninterest income to average assets | 0.5702% | 3,646 |
| Noninterest expense to average assets | 2.8969% | 4,100 |
| Loan and lease loss provision to assets | 0.4579% | 3,183 |
| Net operating income to assets | 0.8756% | 2,711 |
| Return on assets (ROA) | 0.8864% | 2,809 |
| Pretax return on assets | 1.0887% | 2,862 |
| Return on Equity (ROE) | 5.7311% | 3,937 |
| Retained earnings to average equity (ytd only) | 4.0118% | 3,653 |
| Net charge-offs to loans | 0.5062% | 3,263 |
| Credit loss provision to net charge-offs | 167.5676% | 2,224 |
| Earnings coverage of net charge-offs (x) | 5.6108% | 2,707 |
| Efficiency ratio | 65.3885% | 4,978 |
| Assets per employee ($millions) | 4.8887% | 2,335 |
| Cash dividends to net income (ytd only)* | 29.9995% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2094% | 1,789 |
| Loan loss allowance to noncurrent loans | 88.4486% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.4028% | 4,350 |
| Noncurrent loans to loans | 2.4979% | 3,117 |
| Net loans and leases to total assets | 49.9876% | 6,325 |
| Net loans and leases to deposits | 59.6133% | 6,340 |
| Net loans and leases to core deposits | 60.2452% | 6,583 |
| Total domestic deposits to total assets | 83.8532% | 4,208 |
| Equity capital to assets | 15.3566% | 808 |
| Core capital (leverage) ratio | 15.0892% | 699 |
| Tier 1 risk-based capital ratio | 23.8066% | 969 |
| Total risk-based capital ratio | 25.0644% | 944 |
| Memoranda: | ||
| Average total assets | $90,255,000 | 5,349 |
| Average earning assets | $86,335,000 | 5,194 |
| Average equity | $13,958,500 | 4,210 |
| Average total loans | $48,723,500 | 5,614 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0106% | 4,897 |
| Cost of funding earning assets | 0.9176% | 6,509 |
| Net interest margin | 4.0930% | 2,591 |
| Noninterest income to average assets | 0.6064% | 3,292 |
| Noninterest expense to average assets | 3.0074% | 3,685 |
| Loan and lease loss provision to assets | 0.4923% | 2,832 |
| Net operating income to assets | 0.8647% | 2,676 |
| Return on assets (ROA) | 0.8816% | 2,743 |
| Pretax return on assets | 1.0495% | 2,937 |
| Return on Equity (ROE) | 5.6868% | 3,950 |
| Retained earnings to average equity (ytd only) | 3.9548% | 3,562 |
| Net charge-offs to loans | 0.5454% | 2,894 |
| Credit loss provision to net charge-offs | 164.1791% | 2,402 |
| Earnings coverage of net charge-offs (x) | 5.0746% | 2,755 |
| Efficiency ratio | 66.4032% | 4,909 |
| Assets per employee ($millions) | 4.4857% | 2,906 |
| Cash dividends to net income (ytd only)* | 30.4569% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0501% | 2,069 |
| Loan loss allowance to noncurrent loans | 75.5423% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.6241% | 4,006 |
| Noncurrent loans to loans | 2.7138% | 2,939 |
| Net loans and leases to total assets | 53.7904% | 6,014 |
| Net loans and leases to deposits | 64.2596% | 6,005 |
| Net loans and leases to core deposits | 64.9602% | 6,315 |
| Total domestic deposits to total assets | 83.7080% | 4,240 |
| Equity capital to assets | 15.5830% | 753 |
| Core capital (leverage) ratio | 16.3053% | 530 |
| Tier 1 risk-based capital ratio | 22.9876% | 1,075 |
| Total risk-based capital ratio | 24.2431% | 1,048 |
| Memoranda: | ||
| Average total assets | $89,378,330 | 5,414 |
| Average earning assets | $85,658,330 | 5,248 |
| Average equity | $13,856,670 | 4,230 |
| Average total loans | $49,138,000 | 5,639 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 5,058 |
| Cost of funding earning assets | 0.9333% | 6,641 |
| Net interest margin | 4.0567% | 2,626 |
| Noninterest income to average assets | 0.5470% | 3,675 |
| Noninterest expense to average assets | 3.0400% | 3,524 |
| Loan and lease loss provision to assets | 0.4932% | 2,528 |
| Net operating income to assets | 0.8278% | 2,848 |
| Return on assets (ROA) | 0.8654% | 2,778 |
| Pretax return on assets | 0.9326% | 3,336 |
| Return on Equity (ROE) | 5.5962% | 4,067 |
| Retained earnings to average equity (ytd only) | 3.8565% | 3,826 |
| Net charge-offs to loans | 0.8966% | 1,779 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 2.8091% | 3,144 |
| Efficiency ratio | 68.6930% | 4,576 |
| Assets per employee ($millions) | 4.4568% | 3,029 |
| Cash dividends to net income (ytd only)* | 31.0881% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8994% | 2,446 |
| Loan loss allowance to noncurrent loans | 65.0704% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.7311% | 3,881 |
| Noncurrent loans to loans | 2.9190% | 2,758 |
| Net loans and leases to total assets | 53.5384% | 6,086 |
| Net loans and leases to deposits | 63.9140% | 6,059 |
| Net loans and leases to core deposits | 64.6079% | 6,411 |
| Total domestic deposits to total assets | 83.7664% | 4,254 |
| Equity capital to assets | 15.5470% | 757 |
| Core capital (leverage) ratio | 14.9634% | 757 |
| Tier 1 risk-based capital ratio | 23.0332% | 1,073 |
| Total risk-based capital ratio | 24.2871% | 1,049 |
| Memoranda: | ||
| Average total assets | $89,211,000 | 5,477 |
| Average earning assets | $85,292,000 | 5,330 |
| Average equity | $13,795,000 | 4,288 |
| Average total loans | $49,073,500 | 5,708 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3143% | 5,109 |
| Cost of funding earning assets | 1.2200% | 6,590 |
| Net interest margin | 4.0943% | 2,481 |
| Noninterest income to average assets | 0.5485% | 4,036 |
| Noninterest expense to average assets | 2.9924% | 4,171 |
| Loan and lease loss provision to assets | 0.4088% | 4,358 |
| Net operating income to assets | 0.8380% | 2,391 |
| Return on assets (ROA) | 0.8472% | 2,446 |
| Pretax return on assets | 1.0459% | 2,432 |
| Return on Equity (ROE) | 5.5596% | 3,400 |
| Retained earnings to average equity (ytd only) | 3.5027% | 2,719 |
| Net charge-offs to loans | 0.6618% | 3,201 |
| Credit loss provision to net charge-offs | 113.5647% | 4,828 |
| Earnings coverage of net charge-offs (x) | 4.0095% | 3,103 |
| Efficiency ratio | 67.4603% | 5,104 |
| Assets per employee ($millions) | 4.2517% | 3,345 |
| Cash dividends to net income (ytd only)* | 36.9973% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8666% | 2,349 |
| Loan loss allowance to noncurrent loans | 66.0472% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.7069% | 3,810 |
| Noncurrent loans to loans | 2.8262% | 2,729 |
| Net loans and leases to total assets | 54.4061% | 6,155 |
| Net loans and leases to deposits | 64.7806% | 6,178 |
| Net loans and leases to core deposits | 70.8667% | 6,718 |
| Total domestic deposits to total assets | 83.9852% | 4,030 |
| Equity capital to assets | 15.3798% | 824 |
| Core capital (leverage) ratio | 16.0648% | 609 |
| Tier 1 risk-based capital ratio | 22.4859% | 1,094 |
| Total risk-based capital ratio | 23.7397% | 1,071 |
| Memoranda: | ||
| Average total assets | $88,055,000 | 5,447 |
| Average earning assets | $83,604,200 | 5,342 |
| Average equity | $13,418,200 | 4,398 |
| Average total loans | $47,899,600 | 5,762 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 5,296 |
| Cost of funding earning assets | 1.2736% | 6,644 |
| Net interest margin | 4.0533% | 2,580 |
| Noninterest income to average assets | 0.6154% | 3,585 |
| Noninterest expense to average assets | 2.9903% | 4,082 |
| Loan and lease loss provision to assets | 0.3647% | 4,133 |
| Net operating income to assets | 0.9086% | 2,394 |
| Return on assets (ROA) | 0.9223% | 2,408 |
| Pretax return on assets | 1.1214% | 2,497 |
| Return on Equity (ROE) | 6.0669% | 3,500 |
| Retained earnings to average equity (ytd only) | 4.2678% | 2,888 |
| Net charge-offs to loans | 0.7859% | 2,397 |
| Credit loss provision to net charge-offs | 85.7143% | 5,601 |
| Earnings coverage of net charge-offs (x) | 3.4536% | 3,522 |
| Efficiency ratio | 67.0528% | 5,173 |
| Assets per employee ($millions) | 4.1425% | 3,479 |
| Cash dividends to net income (ytd only)* | 29.6537% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7426% | 2,466 |
| Loan loss allowance to noncurrent loans | 113.9566% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9392% | 5,192 |
| Noncurrent loans to loans | 1.5292% | 4,357 |
| Net loans and leases to total assets | 54.5113% | 6,322 |
| Net loans and leases to deposits | 65.5040% | 6,352 |
| Net loans and leases to core deposits | 71.8750% | 6,854 |
| Total domestic deposits to total assets | 83.2182% | 4,105 |
| Equity capital to assets | 15.8541% | 815 |
| Core capital (leverage) ratio | 14.8839% | 881 |
| Tier 1 risk-based capital ratio | 23.9452% | 1,005 |
| Total risk-based capital ratio | 25.1985% | 981 |
| Memoranda: | ||
| Average total assets | $87,747,250 | 5,487 |
| Average earning assets | $83,223,250 | 5,393 |
| Average equity | $13,339,750 | 4,448 |
| Average total loans | $47,499,250 | 5,827 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3373% | 5,460 |
| Cost of funding earning assets | 1.3134% | 6,758 |
| Net interest margin | 4.0239% | 2,604 |
| Noninterest income to average assets | 0.5523% | 4,019 |
| Noninterest expense to average assets | 2.9978% | 4,092 |
| Loan and lease loss provision to assets | 0.3409% | 3,890 |
| Net operating income to assets | 0.8784% | 2,542 |
| Return on assets (ROA) | 0.8977% | 2,571 |
| Pretax return on assets | 1.0591% | 2,776 |
| Return on Equity (ROE) | 5.9898% | 3,654 |
| Retained earnings to average equity (ytd only) | 4.1701% | 2,977 |
| Net charge-offs to loans | 0.9144% | 1,877 |
| Credit loss provision to net charge-offs | 69.4444% | 5,425 |
| Earnings coverage of net charge-offs (x) | 2.8056% | 3,686 |
| Efficiency ratio | 68.5195% | 5,065 |
| Assets per employee ($millions) | 4.2543% | 3,195 |
| Cash dividends to net income (ytd only)* | 30.3797% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 2,281 |
| Loan loss allowance to noncurrent loans | 108.8117% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.8898% | 5,205 |
| Noncurrent loans to loans | 1.5784% | 4,131 |
| Net loans and leases to total assets | 52.2034% | 6,662 |
| Net loans and leases to deposits | 61.7858% | 6,745 |
| Net loans and leases to core deposits | 68.0335% | 7,121 |
| Total domestic deposits to total assets | 84.4909% | 3,506 |
| Equity capital to assets | 14.8890% | 1,060 |
| Core capital (leverage) ratio | 14.9102% | 943 |
| Tier 1 risk-based capital ratio | 22.4555% | 1,191 |
| Total risk-based capital ratio | 23.6933% | 1,163 |
| Memoranda: | ||
| Average total assets | $87,998,670 | 5,528 |
| Average earning assets | $83,600,000 | 5,427 |
| Average equity | $13,189,000 | 4,498 |
| Average total loans | $47,245,000 | 5,875 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2541% | 6,100 |
| Cost of funding earning assets | 1.3717% | 6,811 |
| Net interest margin | 3.8824% | 3,123 |
| Noninterest income to average assets | 0.4993% | 4,326 |
| Noninterest expense to average assets | 2.8307% | 4,421 |
| Loan and lease loss provision to assets | 0.3435% | 3,268 |
| Net operating income to assets | 0.8799% | 2,791 |
| Return on assets (ROA) | 0.9207% | 2,755 |
| Pretax return on assets | 1.0398% | 3,204 |
| Return on Equity (ROE) | 6.1222% | 3,991 |
| Retained earnings to average equity (ytd only) | 4.2947% | 3,520 |
| Net charge-offs to loans | 0.8740% | 1,497 |
| Credit loss provision to net charge-offs | 72.8155% | 4,305 |
| Earnings coverage of net charge-offs (x) | 2.8350% | 3,361 |
| Efficiency ratio | 67.9121% | 4,980 |
| Assets per employee ($millions) | 4.1925% | 3,272 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 1,811 |
| Loan loss allowance to noncurrent loans | 95.5157% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.0654% | 4,560 |
| Noncurrent loans to loans | 1.9011% | 3,413 |
| Net loans and leases to total assets | 52.3256% | 6,649 |
| Net loans and leases to deposits | 62.0734% | 6,734 |
| Net loans and leases to core deposits | 68.4705% | 7,108 |
| Total domestic deposits to total assets | 84.2963% | 3,560 |
| Equity capital to assets | 15.0358% | 1,092 |
| Core capital (leverage) ratio | 14.7689% | 1,018 |
| Tier 1 risk-based capital ratio | 22.5587% | 1,238 |
| Total risk-based capital ratio | 23.8119% | 1,206 |
| Memoranda: | ||
| Average total assets | $87,327,500 | 5,573 |
| Average earning assets | $82,526,500 | 5,471 |
| Average equity | $13,132,500 | 4,551 |
| Average total loans | $47,140,500 | 5,910 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0068% | 5,517 |
| Cost of funding earning assets | 1.7298% | 7,188 |
| Net interest margin | 4.2770% | 2,053 |
| Noninterest income to average assets | 0.4143% | 5,350 |
| Noninterest expense to average assets | 2.8653% | 4,552 |
| Loan and lease loss provision to assets | 0.2785% | 4,163 |
| Net operating income to assets | 0.9935% | 2,583 |
| Return on assets (ROA) | 1.0131% | 2,387 |
| Pretax return on assets | 1.3102% | 2,277 |
| Return on Equity (ROE) | 7.0020% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.4996% | 2,328 |
| Net charge-offs to loans | 0.4465% | 2,596 |
| Credit loss provision to net charge-offs | 117.6471% | 4,575 |
| Earnings coverage of net charge-offs (x) | 6.6029% | 3,327 |
| Efficiency ratio | 64.7013% | 5,395 |
| Assets per employee ($millions) | 4.1244% | 3,264 |
| Cash dividends to net income (ytd only)* | 35.7388% | 3,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 1,508 |
| Loan loss allowance to noncurrent loans | 104.5131% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.0911% | 4,106 |
| Noncurrent loans to loans | 1.7779% | 3,099 |
| Net loans and leases to total assets | 53.6646% | 6,690 |
| Net loans and leases to deposits | 65.9890% | 6,644 |
| Net loans and leases to core deposits | 72.2334% | 7,066 |
| Total domestic deposits to total assets | 81.3236% | 4,499 |
| Equity capital to assets | 15.0406% | 1,152 |
| Core capital (leverage) ratio | 14.5361% | 1,134 |
| Tier 1 risk-based capital ratio | 22.1882% | 1,295 |
| Total risk-based capital ratio | 23.4416% | 1,258 |
| Memoranda: | ||
| Average total assets | $86,170,400 | 5,477 |
| Average earning assets | $80,875,000 | 5,407 |
| Average equity | $12,467,800 | 4,706 |
| Average total loans | $45,688,400 | 5,895 |