Home > The Bartlett Farmers Bank > Performance and Condition Ratios
The Bartlett Farmers Bank, Performance and Condition Ratios
| 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 | 4.2402% | 3,235 |
| Cost of funding earning assets | 0.4172% | 4,649 |
| Net interest margin | 3.8230% | 2,563 |
| Noninterest income to average assets | 0.4374% | 4,244 |
| Noninterest expense to average assets | 3.5797% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3687% | 5,374 |
| Return on assets (ROA) | 0.8462% | 3,233 |
| Pretax return on assets | 1.0413% | 3,332 |
| Return on Equity (ROE) | 7.7415% | 3,265 |
| Retained earnings to average equity (ytd only) | 6.4826% | 2,146 |
| Net charge-offs to loans | 0.0309% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 43.9775% | 946 |
| Efficiency ratio | 88.7927% | 1,105 |
| Assets per employee ($millions) | 2.6345% | 6,349 |
| Cash dividends to net income (ytd only)* | 16.2619% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 5,320 |
| Loan loss allowance to noncurrent loans | 352.1127% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 5,806 |
| Noncurrent loans to loans | 0.3131% | 5,445 |
| Net loans and leases to total assets | 35.4716% | 6,303 |
| Net loans and leases to deposits | 41.4435% | 6,338 |
| Net loans and leases to core deposits | 41.4435% | 6,400 |
| Total domestic deposits to total assets | 85.5902% | 3,456 |
| Equity capital to assets | 10.2012% | 3,644 |
| Core capital (leverage) ratio | 11.2126% | 2,290 |
| Tier 1 risk-based capital ratio | 25.1455% | 862 |
| Total risk-based capital ratio | 26.0222% | 884 |
| Memoranda: | ||
| Average total assets | $64,919,750 | 5,690 |
| Average earning assets | $61,033,250 | 5,626 |
| Average equity | $7,095,750 | 5,610 |
| Average total loans | $21,555,000 | 6,198 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1934% | 3,396 |
| Cost of funding earning assets | 0.4372% | 4,582 |
| Net interest margin | 3.7563% | 2,739 |
| Noninterest income to average assets | 0.4184% | 4,388 |
| Noninterest expense to average assets | 3.3963% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4721% | 4,918 |
| Return on assets (ROA) | 0.8979% | 2,953 |
| Pretax return on assets | 1.0720% | 3,206 |
| Return on Equity (ROE) | 8.0427% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.0305% | 1,882 |
| Net charge-offs to loans | 0.0472% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 979 |
| Efficiency ratio | 85.7363% | 1,441 |
| Assets per employee ($millions) | 2.2861% | 6,644 |
| Cash dividends to net income (ytd only)* | 12.5850% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,116 |
| Loan loss allowance to noncurrent loans | 316.4557% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 5,814 |
| Noncurrent loans to loans | 0.3718% | 5,346 |
| Net loans and leases to total assets | 32.8058% | 6,468 |
| Net loans and leases to deposits | 39.0447% | 6,450 |
| Net loans and leases to core deposits | 39.0447% | 6,506 |
| Total domestic deposits to total assets | 84.0212% | 4,306 |
| Equity capital to assets | 10.0469% | 3,857 |
| Core capital (leverage) ratio | 10.7579% | 2,610 |
| Tier 1 risk-based capital ratio | 25.1902% | 857 |
| Total risk-based capital ratio | 26.0792% | 877 |
| Memoranda: | ||
| Average total assets | $65,483,670 | 5,710 |
| Average earning assets | $61,763,670 | 5,642 |
| Average equity | $7,311,000 | 5,601 |
| Average total loans | $21,180,670 | 6,246 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 3,747 |
| Cost of funding earning assets | 0.4528% | 4,561 |
| Net interest margin | 3.6417% | 3,105 |
| Noninterest income to average assets | 0.4289% | 4,257 |
| Noninterest expense to average assets | 3.4128% | 1,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4081% | 5,099 |
| Return on assets (ROA) | 0.7430% | 3,600 |
| Pretax return on assets | 0.8457% | 3,974 |
| Return on Equity (ROE) | 6.3476% | 3,857 |
| Retained earnings to average equity (ytd only) | 5.5219% | 2,948 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0062% | 1,326 |
| Assets per employee ($millions) | 2.3771% | 6,674 |
| Cash dividends to net income (ytd only)* | 13.0081% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 5,136 |
| Loan loss allowance to noncurrent loans | 310.9756% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 5,894 |
| Noncurrent loans to loans | 0.3891% | 5,440 |
| Net loans and leases to total assets | 31.2790% | 6,551 |
| Net loans and leases to deposits | 39.3205% | 6,450 |
| Net loans and leases to core deposits | 39.3205% | 6,511 |
| Total domestic deposits to total assets | 79.5490% | 5,859 |
| Equity capital to assets | 11.5987% | 2,333 |
| Core capital (leverage) ratio | 10.5116% | 2,761 |
| Tier 1 risk-based capital ratio | 24.7766% | 919 |
| Total risk-based capital ratio | 25.6879% | 945 |
| Memoranda: | ||
| Average total assets | $66,220,500 | 5,733 |
| Average earning assets | $62,718,000 | 5,652 |
| Average equity | $7,751,000 | 5,565 |
| Average total loans | $21,146,500 | 6,304 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 3,880 |
| Cost of funding earning assets | 0.5527% | 4,793 |
| Net interest margin | 3.8309% | 3,096 |
| Noninterest income to average assets | 0.4501% | 4,241 |
| Noninterest expense to average assets | 3.1791% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7178% | 3,654 |
| Return on assets (ROA) | 0.9737% | 2,676 |
| Pretax return on assets | 1.1912% | 2,831 |
| Return on Equity (ROE) | 8.7596% | 2,760 |
| Retained earnings to average equity (ytd only) | 6.6676% | 1,737 |
| Net charge-offs to loans | -0.1036% | 6,831 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3364% | 2,388 |
| Assets per employee ($millions) | 2.2718% | 6,793 |
| Cash dividends to net income (ytd only)* | 23.8829% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 5,105 |
| Loan loss allowance to noncurrent loans | 310.9756% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 5,987 |
| Noncurrent loans to loans | 0.3864% | 5,525 |
| Net loans and leases to total assets | 31.8205% | 6,635 |
| Net loans and leases to deposits | 40.1540% | 6,541 |
| Net loans and leases to core deposits | 40.3728% | 6,600 |
| Total domestic deposits to total assets | 79.2462% | 5,838 |
| Equity capital to assets | 11.8120% | 2,173 |
| Core capital (leverage) ratio | 10.2730% | 3,044 |
| Tier 1 risk-based capital ratio | 24.6053% | 896 |
| Total risk-based capital ratio | 25.5245% | 919 |
| Memoranda: | ||
| Average total assets | $66,654,400 | 5,721 |
| Average earning assets | $62,778,600 | 5,644 |
| Average equity | $7,409,000 | 5,660 |
| Average total loans | $23,172,400 | 6,283 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 4,021 |
| Cost of funding earning assets | 0.5640% | 4,966 |
| Net interest margin | 3.8421% | 3,150 |
| Noninterest income to average assets | 0.4587% | 4,220 |
| Noninterest expense to average assets | 3.1992% | 2,570 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7050% | 3,895 |
| Return on assets (ROA) | 0.9215% | 3,097 |
| Pretax return on assets | 1.1409% | 3,192 |
| Return on Equity (ROE) | 8.4199% | 3,078 |
| Retained earnings to average equity (ytd only) | 7.1807% | 2,020 |
| Net charge-offs to loans | -0.1296% | 6,916 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5504% | 2,304 |
| Assets per employee ($millions) | 2.4059% | 6,777 |
| Cash dividends to net income (ytd only)* | 14.7180% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 5,706 |
| Loan loss allowance to noncurrent loans | 309.7561% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 6,148 |
| Noncurrent loans to loans | 0.3566% | 5,765 |
| Net loans and leases to total assets | 33.7599% | 6,669 |
| Net loans and leases to deposits | 43.0989% | 6,550 |
| Net loans and leases to core deposits | 43.3305% | 6,621 |
| Total domestic deposits to total assets | 78.3312% | 6,012 |
| Equity capital to assets | 11.5358% | 2,712 |
| Core capital (leverage) ratio | 10.0049% | 3,533 |
| Tier 1 risk-based capital ratio | 22.8367% | 1,192 |
| Total risk-based capital ratio | 23.6990% | 1,234 |
| Memoranda: | ||
| Average total assets | $66,847,500 | 5,782 |
| Average earning assets | $62,880,750 | 5,701 |
| Average equity | $7,315,750 | 5,744 |
| Average total loans | $23,660,750 | 6,341 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 4,029 |
| Cost of funding earning assets | 0.5777% | 5,093 |
| Net interest margin | 3.8617% | 3,082 |
| Noninterest income to average assets | 0.4589% | 4,218 |
| Noninterest expense to average assets | 3.1256% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7733% | 3,503 |
| Return on assets (ROA) | 0.9629% | 2,853 |
| Pretax return on assets | 1.1998% | 2,927 |
| Return on Equity (ROE) | 8.9615% | 2,832 |
| Retained earnings to average equity (ytd only) | 7.7889% | 1,721 |
| Net charge-offs to loans | -0.2094% | 7,003 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4490% | 2,679 |
| Assets per employee ($millions) | 2.3414% | 6,874 |
| Cash dividends to net income (ytd only)* | 13.0841% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 5,904 |
| Loan loss allowance to noncurrent loans | 258.5859% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 6,151 |
| Noncurrent loans to loans | 0.4127% | 5,710 |
| Net loans and leases to total assets | 34.9538% | 6,670 |
| Net loans and leases to deposits | 44.3518% | 6,538 |
| Net loans and leases to core deposits | 44.5868% | 6,636 |
| Total domestic deposits to total assets | 78.8103% | 5,994 |
| Equity capital to assets | 11.0941% | 3,023 |
| Core capital (leverage) ratio | 9.9294% | 3,515 |
| Tier 1 risk-based capital ratio | 22.6160% | 1,184 |
| Total risk-based capital ratio | 23.4916% | 1,226 |
| Memoranda: | ||
| Average total assets | $66,675,330 | 5,818 |
| Average earning assets | $62,666,000 | 5,746 |
| Average equity | $7,164,000 | 5,795 |
| Average total loans | $23,882,330 | 6,374 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4968% | 3,924 |
| Cost of funding earning assets | 0.5991% | 5,140 |
| Net interest margin | 3.8977% | 2,936 |
| Noninterest income to average assets | 0.4602% | 4,224 |
| Noninterest expense to average assets | 3.1728% | 2,689 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7642% | 3,546 |
| Return on assets (ROA) | 0.9506% | 2,900 |
| Pretax return on assets | 1.1807% | 2,981 |
| Return on Equity (ROE) | 8.9978% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.0808% | 1,956 |
| Net charge-offs to loans | -0.4197% | 7,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9457% | 2,657 |
| Assets per employee ($millions) | 2.2694% | 7,012 |
| Cash dividends to net income (ytd only)* | 10.1911% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 5,971 |
| Loan loss allowance to noncurrent loans | 256.0000% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 6,248 |
| Noncurrent loans to loans | 0.4216% | 5,826 |
| Net loans and leases to total assets | 35.6531% | 6,646 |
| Net loans and leases to deposits | 44.3839% | 6,535 |
| Net loans and leases to core deposits | 44.6211% | 6,632 |
| Total domestic deposits to total assets | 80.3288% | 5,775 |
| Equity capital to assets | 10.7868% | 3,167 |
| Core capital (leverage) ratio | 10.0316% | 3,329 |
| Tier 1 risk-based capital ratio | 22.4449% | 1,218 |
| Total risk-based capital ratio | 23.3324% | 1,243 |
| Memoranda: | ||
| Average total assets | $66,062,500 | 5,885 |
| Average earning assets | $62,088,000 | 5,808 |
| Average equity | $6,979,500 | 5,880 |
| Average total loans | $23,828,500 | 6,424 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8968% | 3,376 |
| Cost of funding earning assets | 0.8028% | 4,844 |
| Net interest margin | 4.0940% | 2,451 |
| Noninterest income to average assets | 0.4907% | 3,917 |
| Noninterest expense to average assets | 3.2987% | 2,527 |
| Loan and lease loss provision to assets | 0.0392% | 6,082 |
| Net operating income to assets | 0.8138% | 2,984 |
| Return on assets (ROA) | 1.0614% | 2,099 |
| Pretax return on assets | 1.3123% | 2,081 |
| Return on Equity (ROE) | 10.8895% | 1,729 |
| Retained earnings to average equity (ytd only) | 5.0185% | 2,628 |
| Net charge-offs to loans | 0.2882% | 3,969 |
| Credit loss provision to net charge-offs | 36.2319% | 5,696 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,946 |
| Efficiency ratio | 75.9293% | 2,899 |
| Assets per employee ($millions) | 2.4560% | 6,869 |
| Cash dividends to net income (ytd only)* | 53.9143% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 6,348 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 6,689 |
| Noncurrent loans to loans | 0.0125% | 6,814 |
| Net loans and leases to total assets | 35.7486% | 6,783 |
| Net loans and leases to deposits | 44.8756% | 6,681 |
| Net loans and leases to core deposits | 45.1148% | 6,766 |
| Total domestic deposits to total assets | 79.6616% | 5,827 |
| Equity capital to assets | 10.3449% | 3,718 |
| Core capital (leverage) ratio | 9.5397% | 3,961 |
| Tier 1 risk-based capital ratio | 21.6084% | 1,298 |
| Total risk-based capital ratio | 22.3966% | 1,363 |
| Memoranda: | ||
| Average total assets | $63,782,000 | 5,929 |
| Average earning assets | $60,039,800 | 5,866 |
| Average equity | $6,217,000 | 6,096 |
| Average total loans | $23,939,800 | 6,469 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9529% | 3,314 |
| Cost of funding earning assets | 0.8516% | 4,761 |
| Net interest margin | 4.1013% | 2,470 |
| Noninterest income to average assets | 0.5025% | 3,855 |
| Noninterest expense to average assets | 3.3824% | 2,242 |
| Loan and lease loss provision to assets | 0.0528% | 5,789 |
| Net operating income to assets | 0.7762% | 3,273 |
| Return on assets (ROA) | 1.0937% | 2,141 |
| Pretax return on assets | 1.3090% | 2,260 |
| Return on Equity (ROE) | 11.4039% | 1,719 |
| Retained earnings to average equity (ytd only) | 4.7553% | 3,347 |
| Net charge-offs to loans | 0.3843% | 3,199 |
| Credit loss provision to net charge-offs | 36.2319% | 5,320 |
| Earnings coverage of net charge-offs (x) | 6.7535% | 2,495 |
| Efficiency ratio | 77.4662% | 2,613 |
| Assets per employee ($millions) | 2.3885% | 7,000 |
| Cash dividends to net income (ytd only)* | 58.3016% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 6,309 |
| Loan loss allowance to noncurrent loans | 11,550.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 6,587 |
| Noncurrent loans to loans | 0.0086% | 6,941 |
| Net loans and leases to total assets | 35.6970% | 6,880 |
| Net loans and leases to deposits | 42.7606% | 6,885 |
| Net loans and leases to core deposits | 42.9841% | 6,954 |
| Total domestic deposits to total assets | 83.4812% | 4,488 |
| Equity capital to assets | 10.4698% | 3,745 |
| Core capital (leverage) ratio | 9.7852% | 3,720 |
| Tier 1 risk-based capital ratio | 22.0167% | 1,285 |
| Total risk-based capital ratio | 22.8322% | 1,324 |
| Memoranda: | ||
| Average total assets | $63,149,250 | 5,995 |
| Average earning assets | $59,492,250 | 5,923 |
| Average equity | $6,056,250 | 6,186 |
| Average total loans | $23,940,500 | 6,535 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 2,917 |
| Cost of funding earning assets | 0.8966% | 4,698 |
| Net interest margin | 4.1550% | 2,213 |
| Noninterest income to average assets | 0.5103% | 3,777 |
| Noninterest expense to average assets | 3.3236% | 2,485 |
| Loan and lease loss provision to assets | 0.0797% | 5,313 |
| Net operating income to assets | 0.8567% | 2,830 |
| Return on assets (ROA) | 1.1515% | 1,794 |
| Pretax return on assets | 1.3747% | 1,881 |
| Return on Equity (ROE) | 12.3963% | 1,381 |
| Retained earnings to average equity (ytd only) | 10.9884% | 667 |
| Net charge-offs to loans | 0.5710% | 2,398 |
| Credit loss provision to net charge-offs | 36.2319% | 4,883 |
| Earnings coverage of net charge-offs (x) | 5.0145% | 2,715 |
| Efficiency ratio | 75.0720% | 3,168 |
| Assets per employee ($millions) | 2.3837% | 7,040 |
| Cash dividends to net income (ytd only)* | 11.3573% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 6,443 |
| Loan loss allowance to noncurrent loans | 660.0000% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 6,538 |
| Noncurrent loans to loans | 0.1472% | 6,612 |
| Net loans and leases to total assets | 36.5911% | 6,931 |
| Net loans and leases to deposits | 45.5698% | 6,851 |
| Net loans and leases to core deposits | 45.8171% | 6,948 |
| Total domestic deposits to total assets | 80.2968% | 5,740 |
| Equity capital to assets | 10.0186% | 4,122 |
| Core capital (leverage) ratio | 10.1194% | 3,119 |
| Tier 1 risk-based capital ratio | 22.1265% | 1,238 |
| Total risk-based capital ratio | 22.9325% | 1,274 |
| Memoranda: | ||
| Average total assets | $62,702,330 | 6,064 |
| Average earning assets | $59,110,000 | 5,978 |
| Average equity | $5,824,330 | 6,282 |
| Average total loans | $24,170,000 | 6,583 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 2,146 |
| Cost of funding earning assets | 0.9277% | 4,728 |
| Net interest margin | 4.2948% | 1,576 |
| Noninterest income to average assets | 0.4978% | 3,910 |
| Noninterest expense to average assets | 3.4457% | 2,156 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9081% | 2,522 |
| Return on assets (ROA) | 1.3964% | 1,109 |
| Pretax return on assets | 1.6808% | 1,014 |
| Return on Equity (ROE) | 15.6735% | 716 |
| Retained earnings to average equity (ytd only) | 14.5125% | 435 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9259% | 3,175 |
| Assets per employee ($millions) | 2.3114% | 7,176 |
| Cash dividends to net income (ytd only)* | 7.4074% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 5,919 |
| Loan loss allowance to noncurrent loans | 176.2821% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 6,308 |
| Noncurrent loans to loans | 0.6428% | 5,746 |
| Net loans and leases to total assets | 38.4444% | 6,876 |
| Net loans and leases to deposits | 47.6419% | 6,768 |
| Net loans and leases to core deposits | 47.9102% | 6,881 |
| Total domestic deposits to total assets | 80.6945% | 5,748 |
| Equity capital to assets | 9.2922% | 4,740 |
| Core capital (leverage) ratio | 10.1538% | 2,972 |
| Tier 1 risk-based capital ratio | 21.3804% | 1,328 |
| Total risk-based capital ratio | 22.3257% | 1,352 |
| Memoranda: | ||
| Average total assets | $61,873,500 | 6,126 |
| Average earning assets | $58,209,500 | 6,056 |
| Average equity | $5,512,500 | 6,386 |
| Average total loans | $24,364,500 | 6,623 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5023% | 2,273 |
| Cost of funding earning assets | 1.1878% | 4,635 |
| Net interest margin | 4.3145% | 1,771 |
| Noninterest income to average assets | 0.5130% | 4,072 |
| Noninterest expense to average assets | 3.4618% | 2,269 |
| Loan and lease loss provision to assets | 0.0425% | 6,739 |
| Net operating income to assets | 0.8734% | 2,491 |
| Return on assets (ROA) | 1.2230% | 1,435 |
| Pretax return on assets | 1.4948% | 1,387 |
| Return on Equity (ROE) | 12.7932% | 1,147 |
| Retained earnings to average equity (ytd only) | 9.5416% | 597 |
| Net charge-offs to loans | 0.0041% | 6,807 |
| Credit loss provision to net charge-offs | 2,500.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 654.0000% | 28 |
| Efficiency ratio | 75.7058% | 3,092 |
| Assets per employee ($millions) | 2.3592% | 7,167 |
| Cash dividends to net income (ytd only)* | 25.4167% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 5,851 |
| Loan loss allowance to noncurrent loans | 175.1592% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 6,352 |
| Noncurrent loans to loans | 0.6418% | 5,767 |
| Net loans and leases to total assets | 39.4310% | 6,998 |
| Net loans and leases to deposits | 47.4944% | 6,973 |
| Net loans and leases to core deposits | 47.7551% | 7,083 |
| Total domestic deposits to total assets | 83.0225% | 4,787 |
| Equity capital to assets | 8.5197% | 5,828 |
| Core capital (leverage) ratio | 9.7507% | 3,376 |
| Tier 1 risk-based capital ratio | 20.2435% | 1,443 |
| Total risk-based capital ratio | 21.1682% | 1,473 |
| Memoranda: | ||
| Average total assets | $58,871,400 | 6,244 |
| Average earning assets | $55,394,800 | 6,160 |
| Average equity | $5,628,000 | 6,476 |
| Average total loans | $24,311,200 | 6,714 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5384% | 2,296 |
| Cost of funding earning assets | 1.2248% | 4,714 |
| Net interest margin | 4.3136% | 1,802 |
| Noninterest income to average assets | 0.5127% | 4,079 |
| Noninterest expense to average assets | 3.4927% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8797% | 2,700 |
| Return on assets (ROA) | 1.2542% | 1,536 |
| Pretax return on assets | 1.5449% | 1,488 |
| Return on Equity (ROE) | 12.7546% | 1,328 |
| Retained earnings to average equity (ytd only) | 10.1246% | 763 |
| Net charge-offs to loans | 0.0055% | 6,594 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 474.1729% | 69 |
| Efficiency ratio | 76.3382% | 2,884 |
| Assets per employee ($millions) | 1.8120% | 7,579 |
| Cash dividends to net income (ytd only)* | 20.6200% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 6,283 |
| Loan loss allowance to noncurrent loans | 152.4390% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 6,707 |
| Noncurrent loans to loans | 0.6728% | 5,856 |
| Net loans and leases to total assets | 39.1605% | 7,125 |
| Net loans and leases to deposits | 48.7010% | 7,056 |
| Net loans and leases to core deposits | 48.9779% | 7,160 |
| Total domestic deposits to total assets | 80.4100% | 5,576 |
| Equity capital to assets | 9.9971% | 4,164 |
| Core capital (leverage) ratio | 9.7948% | 3,494 |
| Tier 1 risk-based capital ratio | 20.8917% | 1,376 |
| Total risk-based capital ratio | 21.7743% | 1,424 |
| Memoranda: | ||
| Average total assets | $58,254,250 | 6,337 |
| Average earning assets | $54,864,500 | 6,245 |
| Average equity | $5,728,500 | 6,532 |
| Average total loans | $24,273,500 | 6,802 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6376% | 1,993 |
| Cost of funding earning assets | 1.2838% | 4,626 |
| Net interest margin | 4.3538% | 1,578 |
| Noninterest income to average assets | 0.4971% | 4,139 |
| Noninterest expense to average assets | 3.4374% | 2,173 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9514% | 2,361 |
| Return on assets (ROA) | 1.3582% | 1,246 |
| Pretax return on assets | 1.6452% | 1,180 |
| Return on Equity (ROE) | 13.8944% | 1,065 |
| Retained earnings to average equity (ytd only) | 12.3545% | 443 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8476% | 3,291 |
| Assets per employee ($millions) | 2.0442% | 7,557 |
| Cash dividends to net income (ytd only)* | 11.0825% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,365 |
| Loan loss allowance to noncurrent loans | 1,045.8333% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 7,294 |
| Noncurrent loans to loans | 0.0964% | 7,073 |
| Net loans and leases to total assets | 41.5826% | 7,061 |
| Net loans and leases to deposits | 49.8564% | 7,074 |
| Net loans and leases to core deposits | 49.8564% | 7,217 |
| Total domestic deposits to total assets | 83.4047% | 4,389 |
| Equity capital to assets | 9.9558% | 4,070 |
| Core capital (leverage) ratio | 9.8091% | 3,389 |
| Tier 1 risk-based capital ratio | 20.8553% | 1,365 |
| Total risk-based capital ratio | 21.7534% | 1,401 |
| Memoranda: | ||
| Average total assets | $57,136,330 | 6,429 |
| Average earning assets | $53,746,670 | 6,334 |
| Average equity | $5,585,000 | 6,590 |
| Average total loans | $24,239,330 | 6,849 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7150% | 1,719 |
| Cost of funding earning assets | 1.3300% | 4,627 |
| Net interest margin | 4.3850% | 1,433 |
| Noninterest income to average assets | 0.4709% | 4,293 |
| Noninterest expense to average assets | 3.3605% | 2,345 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0494% | 2,005 |
| Return on assets (ROA) | 1.1844% | 1,661 |
| Pretax return on assets | 1.3841% | 1,823 |
| Return on Equity (ROE) | 12.2362% | 1,433 |
| Retained earnings to average equity (ytd only) | 10.3197% | 1,079 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2504% | 3,712 |
| Assets per employee ($millions) | 1.9605% | 7,685 |
| Cash dividends to net income (ytd only)* | 15.6627% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 6,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 41.3832% | 7,159 |
| Net loans and leases to deposits | 49.2496% | 7,169 |
| Net loans and leases to core deposits | 49.5097% | 7,302 |
| Total domestic deposits to total assets | 84.0275% | 4,138 |
| Equity capital to assets | 9.8164% | 4,087 |
| Core capital (leverage) ratio | 10.0463% | 3,109 |
| Tier 1 risk-based capital ratio | 20.9610% | 1,346 |
| Total risk-based capital ratio | 21.8967% | 1,376 |
| Memoranda: | ||
| Average total assets | $56,063,500 | 6,531 |
| Average earning assets | $52,633,500 | 6,457 |
| Average equity | $5,426,500 | 6,699 |
| Average total loans | $23,908,000 | 6,951 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4223% | 789 |
| Cost of funding earning assets | 1.5486% | 5,292 |
| Net interest margin | 4.8737% | 594 |
| Noninterest income to average assets | 0.5589% | 3,955 |
| Noninterest expense to average assets | 3.4671% | 2,463 |
| Loan and lease loss provision to assets | 0.0523% | 7,042 |
| Net operating income to assets | 1.2361% | 1,162 |
| Return on assets (ROA) | 1.5700% | 628 |
| Pretax return on assets | 2.0317% | 384 |
| Return on Equity (ROE) | 16.8451% | 469 |
| Retained earnings to average equity (ytd only) | 13.5162% | 136 |
| Net charge-offs to loans | 0.0127% | 7,045 |
| Credit loss provision to net charge-offs | 933.3333% | 315 |
| Earnings coverage of net charge-offs (x) | 294.3333% | 99 |
| Efficiency ratio | 67.7502% | 5,050 |
| Assets per employee ($millions) | 2.1259% | 7,633 |
| Cash dividends to net income (ytd only)* | 19.7619% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 6,157 |
| Loan loss allowance to noncurrent loans | 432.7586% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 7,227 |
| Noncurrent loans to loans | 0.2413% | 6,825 |
| Net loans and leases to total assets | 43.0337% | 7,177 |
| Net loans and leases to deposits | 50.8270% | 7,212 |
| Net loans and leases to core deposits | 56.0330% | 7,404 |
| Total domestic deposits to total assets | 84.6670% | 3,722 |
| Equity capital to assets | 9.5381% | 4,373 |
| Core capital (leverage) ratio | 9.7215% | 3,419 |
| Tier 1 risk-based capital ratio | 20.0982% | 1,443 |
| Total risk-based capital ratio | 21.0183% | 1,466 |
| Memoranda: | ||
| Average total assets | $53,502,200 | 6,580 |
| Average earning assets | $50,044,000 | 6,529 |
| Average equity | $4,986,600 | 6,944 |
| Average total loans | $23,695,400 | 6,995 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4613% | 821 |
| Cost of funding earning assets | 1.5878% | 5,458 |
| Net interest margin | 4.8736% | 590 |
| Noninterest income to average assets | 0.5453% | 4,116 |
| Noninterest expense to average assets | 3.5230% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2774% | 1,271 |
| Return on assets (ROA) | 1.6560% | 649 |
| Pretax return on assets | 2.0479% | 496 |
| Return on Equity (ROE) | 17.8758% | 468 |
| Retained earnings to average equity (ytd only) | 15.9770% | 130 |
| Net charge-offs to loans | 0.0169% | 6,679 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 209.6625% | 181 |
| Efficiency ratio | 69.0300% | 4,777 |
| Assets per employee ($millions) | 1.9471% | 7,834 |
| Cash dividends to net income (ytd only)* | 10.6221% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 6,620 |
| Loan loss allowance to noncurrent loans | 892.0000% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 7,454 |
| Noncurrent loans to loans | 0.1048% | 7,215 |
| Net loans and leases to total assets | 43.3657% | 7,287 |
| Net loans and leases to deposits | 52.0851% | 7,300 |
| Net loans and leases to core deposits | 56.6435% | 7,526 |
| Total domestic deposits to total assets | 83.2594% | 4,084 |
| Equity capital to assets | 10.5154% | 3,495 |
| Core capital (leverage) ratio | 9.9071% | 3,388 |
| Tier 1 risk-based capital ratio | 20.2590% | 1,505 |
| Total risk-based capital ratio | 21.0959% | 1,549 |
| Memoranda: | ||
| Average total assets | $53,059,500 | 6,638 |
| Average earning assets | $49,627,250 | 6,590 |
| Average equity | $4,915,250 | 7,034 |
| Average total loans | $23,610,000 | 7,056 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2992% | 1,208 |
| Cost of funding earning assets | 1.6635% | 5,454 |
| Net interest margin | 4.6357% | 894 |
| Noninterest income to average assets | 0.5326% | 4,161 |
| Noninterest expense to average assets | 3.4961% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1221% | 1,691 |
| Return on assets (ROA) | 1.6587% | 666 |
| Pretax return on assets | 2.0163% | 540 |
| Return on Equity (ROE) | 18.7823% | 421 |
| Retained earnings to average equity (ytd only) | 16.9299% | 134 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9655% | 4,417 |
| Assets per employee ($millions) | 1.9192% | 7,907 |
| Cash dividends to net income (ytd only)* | 9.8624% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 6,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 42.3217% | 7,430 |
| Net loans and leases to deposits | 52.3131% | 7,367 |
| Net loans and leases to core deposits | 57.0091% | 7,559 |
| Total domestic deposits to total assets | 80.9009% | 5,112 |
| Equity capital to assets | 8.8255% | 5,560 |
| Core capital (leverage) ratio | 9.7325% | 3,596 |
| Tier 1 risk-based capital ratio | 18.8553% | 1,804 |
| Total risk-based capital ratio | 19.6745% | 1,847 |
| Memoranda: | ||
| Average total assets | $52,572,670 | 6,721 |
| Average earning assets | $49,053,670 | 6,669 |
| Average equity | $4,642,670 | 7,196 |
| Average total loans | $23,524,670 | 7,111 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0826% | 2,008 |
| Cost of funding earning assets | 1.7199% | 5,518 |
| Net interest margin | 4.3627% | 1,436 |
| Noninterest income to average assets | 0.5173% | 4,161 |
| Noninterest expense to average assets | 3.3392% | 2,541 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9770% | 2,407 |
| Return on assets (ROA) | 1.9675% | 421 |
| Pretax return on assets | 2.5240% | 246 |
| Return on Equity (ROE) | 22.2715% | 293 |
| Retained earnings to average equity (ytd only) | 20.8518% | 148 |
| Net charge-offs to loans | -0.0171% | 7,397 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6962% | 4,063 |
| Assets per employee ($millions) | 1.9786% | 7,910 |
| Cash dividends to net income (ytd only)* | 6.3745% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 6,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.5639% | 7,298 |
| Net loans and leases to deposits | 51.6050% | 7,428 |
| Net loans and leases to core deposits | 55.8329% | 7,626 |
| Total domestic deposits to total assets | 86.3558% | 2,520 |
| Equity capital to assets | 8.9847% | 5,372 |
| Core capital (leverage) ratio | 9.9291% | 3,486 |
| Tier 1 risk-based capital ratio | 19.5443% | 1,710 |
| Total risk-based capital ratio | 20.4239% | 1,742 |
| Memoranda: | ||
| Average total assets | $51,030,500 | 6,818 |
| Average earning assets | $47,677,000 | 6,759 |
| Average equity | $4,508,000 | 7,284 |
| Average total loans | $23,396,500 | 7,163 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2966% | 3,975 |
| Cost of funding earning assets | 1.8815% | 6,785 |
| Net interest margin | 4.4151% | 1,644 |
| Noninterest income to average assets | 0.5854% | 3,972 |
| Noninterest expense to average assets | 3.5797% | 2,200 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8842% | 3,069 |
| Return on assets (ROA) | 0.9333% | 2,715 |
| Pretax return on assets | 1.1687% | 2,775 |
| Return on Equity (ROE) | 10.5673% | 2,062 |
| Retained earnings to average equity (ytd only) | 8.1572% | 796 |
| Net charge-offs to loans | -0.0130% | 7,879 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3755% | 3,175 |
| Assets per employee ($millions) | 2.0247% | 7,900 |
| Cash dividends to net income (ytd only)* | 22.8070% | 4,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 6,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 46.2582% | 7,304 |
| Net loans and leases to deposits | 57.7706% | 7,218 |
| Net loans and leases to core deposits | 60.7172% | 7,552 |
| Total domestic deposits to total assets | 80.0723% | 4,990 |
| Equity capital to assets | 8.6807% | 5,836 |
| Core capital (leverage) ratio | 9.1448% | 4,533 |
| Tier 1 risk-based capital ratio | 18.9944% | 1,815 |
| Total risk-based capital ratio | 19.8870% | 1,839 |
| Memoranda: | ||
| Average total assets | $48,858,600 | 6,827 |
| Average earning assets | $45,389,800 | 6,795 |
| Average equity | $4,315,200 | 7,384 |
| Average total loans | $23,085,200 | 7,129 |