Home > The Farmers and Merchants State Bank of Argonia > Performance and Condition Ratios
The Farmers and Merchants State Bank of Argonia, 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 | 5.0958% | 507 |
| Cost of funding earning assets | 0.9415% | 272 |
| Net interest margin | 4.1542% | 1,270 |
| Noninterest income to average assets | 0.4550% | 3,308 |
| Noninterest expense to average assets | 5.5792% | 174 |
| Loan and lease loss provision to assets | 7.6442% | 5 |
| Net operating income to assets | -10.4854% | 5,733 |
| Return on assets (ROA) | -10.4892% | 5,733 |
| Pretax return on assets | -9.2120% | 5,732 |
| Return on Equity (ROE) | -282.7945% | 5,737 |
| Retained earnings to average equity (ytd only) | -282.7945% | 5,737 |
| Net charge-offs to loans | 8.5314% | 6 |
| Credit loss provision to net charge-offs | 110.7479% | 2,135 |
| Earnings coverage of net charge-offs (x) | -0.2266% | 3,707 |
| Efficiency ratio | 138.9524% | 35 |
| Assets per employee ($millions) | 2.3580% | 5,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0505% | 22 |
| Loan loss allowance to noncurrent loans | 52.4275% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 9.1391% | 29 |
| Noncurrent loans to loans | 11.5406% | 19 |
| Net loans and leases to total assets | 65.5216% | 3,175 |
| Net loans and leases to deposits | 78.7519% | 3,091 |
| Net loans and leases to core deposits | 95.6699% | 2,113 |
| Total domestic deposits to total assets | 83.2000% | 3,392 |
| Equity capital to assets | -1.0935% | 5,737 |
| Core capital (leverage) ratio | -1.2654% | 5,737 |
| Tier 1 risk-based capital ratio | -2.2784% | 5,737 |
| Total risk-based capital ratio | -0.9511% | 5,737 |
| Memoranda: | ||
| Average total assets | $34,866,750 | 5,473 |
| Average earning assets | $29,880,250 | 5,500 |
| Average equity | $1,293,250 | 5,720 |
| Average total loans | $28,209,000 | 5,118 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9314% | 649 |
| Cost of funding earning assets | 0.8595% | 386 |
| Net interest margin | 4.0719% | 1,401 |
| Noninterest income to average assets | 0.4340% | 3,460 |
| Noninterest expense to average assets | 5.5178% | 180 |
| Loan and lease loss provision to assets | 4.5991% | 16 |
| Net operating income to assets | -7.9076% | 5,779 |
| Return on assets (ROA) | -7.9188% | 5,779 |
| Pretax return on assets | -6.0364% | 5,779 |
| Return on Equity (ROE) | -152.3308% | 5,783 |
| Retained earnings to average equity (ytd only) | -152.3308% | 5,781 |
| Net charge-offs to loans | 7.0346% | 10 |
| Credit loss provision to net charge-offs | 77.4929% | 2,291 |
| Earnings coverage of net charge-offs (x) | -0.2403% | 3,417 |
| Efficiency ratio | 134.8485% | 41 |
| Assets per employee ($millions) | 2.1374% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4100% | 109 |
| Loan loss allowance to noncurrent loans | 26.8041% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 11.5471% | 21 |
| Noncurrent loans to loans | 12.7220% | 14 |
| Net loans and leases to total assets | 79.6778% | 997 |
| Net loans and leases to deposits | 92.0201% | 1,489 |
| Net loans and leases to core deposits | 112.9445% | 853 |
| Total domestic deposits to total assets | 86.5873% | 2,135 |
| Equity capital to assets | 2.8773% | 5,783 |
| Core capital (leverage) ratio | 2.7750% | 5,785 |
| Tier 1 risk-based capital ratio | 4.1818% | 5,783 |
| Total risk-based capital ratio | 5.4672% | 5,783 |
| Memoranda: | ||
| Average total assets | $35,485,000 | 5,514 |
| Average earning assets | $31,877,330 | 5,508 |
| Average equity | $1,844,670 | 5,736 |
| Average total loans | $29,937,670 | 5,118 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 572 |
| Cost of funding earning assets | 0.8021% | 481 |
| Net interest margin | 4.1460% | 1,106 |
| Noninterest income to average assets | 0.3211% | 4,253 |
| Noninterest expense to average assets | 5.0930% | 224 |
| Loan and lease loss provision to assets | 1.1072% | 77 |
| Net operating income to assets | -2.1590% | 5,822 |
| Return on assets (ROA) | -2.1590% | 5,822 |
| Pretax return on assets | -2.1590% | 5,818 |
| Return on Equity (ROE) | -34.2857% | 5,836 |
| Retained earnings to average equity (ytd only) | -34.2857% | 5,800 |
| Net charge-offs to loans | 1.1039% | 158 |
| Credit loss provision to net charge-offs | 117.6471% | 1,417 |
| Earnings coverage of net charge-offs (x) | -1.1176% | 2,879 |
| Efficiency ratio | 126.0274% | 66 |
| Assets per employee ($millions) | 2.2753% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9585% | 82 |
| Loan loss allowance to noncurrent loans | 31.2887% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 11.7020% | 25 |
| Noncurrent loans to loans | 12.6516% | 20 |
| Net loans and leases to total assets | 80.9087% | 708 |
| Net loans and leases to deposits | 96.0822% | 929 |
| Net loans and leases to core deposits | 121.0654% | 439 |
| Total domestic deposits to total assets | 84.2078% | 3,391 |
| Equity capital to assets | 5.9911% | 5,809 |
| Core capital (leverage) ratio | 6.0906% | 5,804 |
| Tier 1 risk-based capital ratio | 8.3419% | 5,825 |
| Total risk-based capital ratio | 9.6317% | 5,825 |
| Memoranda: | ||
| Average total assets | $36,128,000 | 5,565 |
| Average earning assets | $32,416,500 | 5,567 |
| Average equity | $2,275,000 | 5,761 |
| Average total loans | $30,801,000 | 5,133 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8337% | 155 |
| Cost of funding earning assets | 0.6962% | 824 |
| Net interest margin | 5.1376% | 190 |
| Noninterest income to average assets | 0.6461% | 2,437 |
| Noninterest expense to average assets | 4.6491% | 331 |
| Loan and lease loss provision to assets | 0.2969% | 640 |
| Net operating income to assets | 0.2750% | 5,278 |
| Return on assets (ROA) | 0.3272% | 5,226 |
| Pretax return on assets | 0.4124% | 5,204 |
| Return on Equity (ROE) | 4.1236% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.1236% | 2,970 |
| Net charge-offs to loans | 0.2277% | 1,225 |
| Credit loss provision to net charge-offs | 154.2857% | 1,778 |
| Earnings coverage of net charge-offs (x) | 3.3429% | 3,682 |
| Efficiency ratio | 87.8442% | 693 |
| Assets per employee ($millions) | 2.4238% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2596% | 431 |
| Loan loss allowance to noncurrent loans | 65.6955% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 4.0102% | 190 |
| Noncurrent loans to loans | 3.4396% | 357 |
| Net loans and leases to total assets | 83.1614% | 464 |
| Net loans and leases to deposits | 101.2050% | 586 |
| Net loans and leases to core deposits | 129.9033% | 286 |
| Total domestic deposits to total assets | 82.1712% | 4,023 |
| Equity capital to assets | 7.9049% | 5,601 |
| Core capital (leverage) ratio | 8.0782% | 5,577 |
| Tier 1 risk-based capital ratio | 10.8007% | 5,433 |
| Total risk-based capital ratio | 12.0670% | 5,323 |
| Memoranda: | ||
| Average total assets | $36,373,000 | 5,611 |
| Average earning assets | $32,895,000 | 5,610 |
| Average equity | $2,885,800 | 5,767 |
| Average total loans | $30,743,600 | 5,167 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8173% | 160 |
| Cost of funding earning assets | 0.7003% | 814 |
| Net interest margin | 5.1170% | 205 |
| Noninterest income to average assets | 0.6854% | 2,236 |
| Noninterest expense to average assets | 4.5999% | 354 |
| Loan and lease loss provision to assets | 0.0293% | 3,654 |
| Net operating income to assets | 0.5757% | 4,387 |
| Return on assets (ROA) | 0.6487% | 4,212 |
| Pretax return on assets | 0.7770% | 4,387 |
| Return on Equity (ROE) | 8.1693% | 2,925 |
| Retained earnings to average equity (ytd only) | 8.1693% | 1,104 |
| Net charge-offs to loans | 0.2476% | 949 |
| Credit loss provision to net charge-offs | 14.0351% | 3,337 |
| Earnings coverage of net charge-offs (x) | 3.4386% | 3,418 |
| Efficiency ratio | 86.4921% | 788 |
| Assets per employee ($millions) | 2.4871% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0540% | 661 |
| Loan loss allowance to noncurrent loans | 115.0376% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.5796% | 1,111 |
| Noncurrent loans to loans | 1.7855% | 1,162 |
| Net loans and leases to total assets | 83.8110% | 420 |
| Net loans and leases to deposits | 95.7008% | 1,079 |
| Net loans and leases to core deposits | 127.6876% | 340 |
| Total domestic deposits to total assets | 87.5761% | 1,627 |
| Equity capital to assets | 8.5181% | 5,518 |
| Core capital (leverage) ratio | 8.3498% | 5,468 |
| Tier 1 risk-based capital ratio | 11.2254% | 5,243 |
| Total risk-based capital ratio | 12.4891% | 5,137 |
| Memoranda: | ||
| Average total assets | $36,377,000 | 5,665 |
| Average earning assets | $32,935,250 | 5,666 |
| Average equity | $2,888,750 | 5,830 |
| Average total loans | $30,696,000 | 5,219 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9271% | 134 |
| Cost of funding earning assets | 0.7012% | 804 |
| Net interest margin | 5.2259% | 162 |
| Noninterest income to average assets | 0.4716% | 3,399 |
| Noninterest expense to average assets | 4.3148% | 441 |
| Loan and lease loss provision to assets | 0.0434% | 3,279 |
| Net operating income to assets | 0.6667% | 3,971 |
| Return on assets (ROA) | 0.6667% | 4,109 |
| Pretax return on assets | 0.8402% | 4,155 |
| Return on Equity (ROE) | 8.5924% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.5924% | 975 |
| Net charge-offs to loans | 0.3549% | 658 |
| Credit loss provision to net charge-offs | 14.5455% | 2,969 |
| Earnings coverage of net charge-offs (x) | 2.9636% | 3,190 |
| Efficiency ratio | 83.0031% | 1,145 |
| Assets per employee ($millions) | 2.5966% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9894% | 754 |
| Loan loss allowance to noncurrent loans | 123.0461% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.4222% | 1,371 |
| Noncurrent loans to loans | 1.6168% | 1,325 |
| Net loans and leases to total assets | 83.2091% | 489 |
| Net loans and leases to deposits | 96.6329% | 1,012 |
| Net loans and leases to core deposits | 126.4802% | 362 |
| Total domestic deposits to total assets | 86.1084% | 2,366 |
| Equity capital to assets | 8.0736% | 5,780 |
| Core capital (leverage) ratio | 7.9199% | 5,771 |
| Tier 1 risk-based capital ratio | 10.8915% | 5,484 |
| Total risk-based capital ratio | 12.1554% | 5,393 |
| Memoranda: | ||
| Average total assets | $36,896,000 | 5,724 |
| Average earning assets | $33,372,330 | 5,723 |
| Average equity | $2,863,000 | 5,904 |
| Average total loans | $30,996,330 | 5,265 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9153% | 134 |
| Cost of funding earning assets | 0.7065% | 785 |
| Net interest margin | 5.2088% | 177 |
| Noninterest income to average assets | 0.4305% | 3,612 |
| Noninterest expense to average assets | 4.3264% | 445 |
| Loan and lease loss provision to assets | 0.0861% | 2,245 |
| Net operating income to assets | 0.6672% | 3,885 |
| Return on assets (ROA) | 0.6672% | 4,008 |
| Pretax return on assets | 0.6995% | 4,530 |
| Return on Equity (ROE) | 8.7726% | 2,527 |
| Retained earnings to average equity (ytd only) | 8.7726% | 1,180 |
| Net charge-offs to loans | -0.0258% | 4,994 |
| Credit loss provision to net charge-offs | -400.0000% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6316% | 1,096 |
| Assets per employee ($millions) | 2.6165% | 5,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1772% | 609 |
| Loan loss allowance to noncurrent loans | 114.1156% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.6543% | 1,186 |
| Noncurrent loans to loans | 1.9079% | 1,147 |
| Net loans and leases to total assets | 82.3046% | 523 |
| Net loans and leases to deposits | 90.9088% | 1,468 |
| Net loans and leases to core deposits | 123.3895% | 380 |
| Total domestic deposits to total assets | 90.5353% | 420 |
| Equity capital to assets | 7.8185% | 5,880 |
| Core capital (leverage) ratio | 7.5902% | 5,907 |
| Tier 1 risk-based capital ratio | 10.6944% | 5,662 |
| Total risk-based capital ratio | 11.9583% | 5,567 |
| Memoranda: | ||
| Average total assets | $37,167,500 | 5,773 |
| Average earning assets | $33,405,000 | 5,776 |
| Average equity | $2,827,000 | 5,962 |
| Average total loans | $31,063,000 | 5,306 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7581% | 182 |
| Cost of funding earning assets | 0.6617% | 1,010 |
| Net interest margin | 5.0964% | 211 |
| Noninterest income to average assets | 0.5220% | 3,184 |
| Noninterest expense to average assets | 4.2499% | 516 |
| Loan and lease loss provision to assets | 0.1181% | 2,016 |
| Net operating income to assets | 0.5575% | 4,468 |
| Return on assets (ROA) | 0.5494% | 4,595 |
| Pretax return on assets | 0.7555% | 4,349 |
| Return on Equity (ROE) | 6.8677% | 3,583 |
| Retained earnings to average equity (ytd only) | 2.2320% | 4,449 |
| Net charge-offs to loans | 0.0935% | 2,495 |
| Credit loss provision to net charge-offs | 153.5714% | 1,739 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,570 |
| Efficiency ratio | 82.7715% | 1,299 |
| Assets per employee ($millions) | 2.7030% | 5,765 |
| Cash dividends to net income (ytd only)* | 67.5000% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 2,058 |
| Loan loss allowance to noncurrent loans | 69.2422% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.8260% | 1,036 |
| Noncurrent loans to loans | 2.1497% | 940 |
| Net loans and leases to total assets | 81.4967% | 642 |
| Net loans and leases to deposits | 96.0209% | 1,007 |
| Net loans and leases to core deposits | 110.8754% | 816 |
| Total domestic deposits to total assets | 84.8739% | 3,146 |
| Equity capital to assets | 7.6978% | 5,945 |
| Core capital (leverage) ratio | 7.9471% | 5,863 |
| Tier 1 risk-based capital ratio | 10.9684% | 5,535 |
| Total risk-based capital ratio | 12.2261% | 5,437 |
| Memoranda: | ||
| Average total assets | $36,400,800 | 5,842 |
| Average earning assets | $32,944,800 | 5,835 |
| Average equity | $2,912,200 | 6,014 |
| Average total loans | $29,946,600 | 5,359 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7529% | 179 |
| Cost of funding earning assets | 0.6519% | 1,080 |
| Net interest margin | 5.1010% | 205 |
| Noninterest income to average assets | 0.4883% | 3,453 |
| Noninterest expense to average assets | 4.2433% | 518 |
| Loan and lease loss provision to assets | 0.1369% | 1,633 |
| Net operating income to assets | 0.5775% | 4,489 |
| Return on assets (ROA) | 0.5660% | 4,630 |
| Pretax return on assets | 0.7251% | 4,594 |
| Return on Equity (ROE) | 7.0052% | 3,611 |
| Retained earnings to average equity (ytd only) | 7.0052% | 1,683 |
| Net charge-offs to loans | 0.1126% | 2,003 |
| Credit loss provision to net charge-offs | 148.0000% | 1,702 |
| Earnings coverage of net charge-offs (x) | 9.4806% | 2,692 |
| Efficiency ratio | 82.8757% | 1,281 |
| Assets per employee ($millions) | 2.5482% | 5,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 1,873 |
| Loan loss allowance to noncurrent loans | 84.6435% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.5837% | 1,411 |
| Noncurrent loans to loans | 1.8595% | 1,258 |
| Net loans and leases to total assets | 81.1605% | 683 |
| Net loans and leases to deposits | 88.9688% | 1,772 |
| Net loans and leases to core deposits | 101.7501% | 1,394 |
| Total domestic deposits to total assets | 91.2235% | 202 |
| Equity capital to assets | 8.3896% | 5,770 |
| Core capital (leverage) ratio | 8.3702% | 5,655 |
| Tier 1 risk-based capital ratio | 11.8586% | 5,162 |
| Total risk-based capital ratio | 13.1146% | 5,082 |
| Memoranda: | ||
| Average total assets | $36,040,500 | 5,930 |
| Average earning assets | $32,724,750 | 5,917 |
| Average equity | $2,912,000 | 6,096 |
| Average total loans | $29,606,750 | 5,438 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6607% | 210 |
| Cost of funding earning assets | 0.6506% | 1,099 |
| Net interest margin | 5.0101% | 242 |
| Noninterest income to average assets | 0.4867% | 3,461 |
| Noninterest expense to average assets | 4.1480% | 582 |
| Loan and lease loss provision to assets | 0.1714% | 1,218 |
| Net operating income to assets | 0.5991% | 4,348 |
| Return on assets (ROA) | 0.5807% | 4,528 |
| Pretax return on assets | 0.7024% | 4,642 |
| Return on Equity (ROE) | 7.2790% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.2790% | 1,578 |
| Net charge-offs to loans | 0.1079% | 1,916 |
| Credit loss provision to net charge-offs | 193.7500% | 1,267 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 2,391 |
| Efficiency ratio | 82.2368% | 1,458 |
| Assets per employee ($millions) | 2.3887% | 6,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5677% | 2,023 |
| Loan loss allowance to noncurrent loans | 82.9181% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.6188% | 1,486 |
| Noncurrent loans to loans | 1.8907% | 1,318 |
| Net loans and leases to total assets | 81.6606% | 589 |
| Net loans and leases to deposits | 91.4087% | 1,437 |
| Net loans and leases to core deposits | 103.9101% | 1,197 |
| Total domestic deposits to total assets | 89.3358% | 986 |
| Equity capital to assets | 8.1831% | 5,888 |
| Core capital (leverage) ratio | 8.1973% | 5,791 |
| Tier 1 risk-based capital ratio | 11.4922% | 5,470 |
| Total risk-based capital ratio | 12.7504% | 5,386 |
| Memoranda: | ||
| Average total assets | $36,162,330 | 5,994 |
| Average earning assets | $32,893,330 | 5,980 |
| Average equity | $2,885,000 | 6,161 |
| Average total loans | $29,670,000 | 5,486 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5767% | 231 |
| Cost of funding earning assets | 0.6411% | 1,174 |
| Net interest margin | 4.9356% | 275 |
| Noninterest income to average assets | 0.4514% | 3,627 |
| Noninterest expense to average assets | 4.1840% | 564 |
| Loan and lease loss provision to assets | 0.0661% | 2,615 |
| Net operating income to assets | 0.4937% | 4,713 |
| Return on assets (ROA) | 0.4624% | 4,940 |
| Pretax return on assets | 0.6496% | 4,767 |
| Return on Equity (ROE) | 5.8710% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.8710% | 2,564 |
| Net charge-offs to loans | -0.0135% | 4,859 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6325% | 1,304 |
| Assets per employee ($millions) | 2.5551% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 2,211 |
| Loan loss allowance to noncurrent loans | 99.7821% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.3334% | 1,996 |
| Noncurrent loans to loans | 1.5593% | 1,796 |
| Net loans and leases to total assets | 81.0103% | 568 |
| Net loans and leases to deposits | 88.3129% | 1,582 |
| Net loans and leases to core deposits | 102.1538% | 1,169 |
| Total domestic deposits to total assets | 91.7310% | 187 |
| Equity capital to assets | 8.0650% | 6,000 |
| Core capital (leverage) ratio | 8.0526% | 5,910 |
| Tier 1 risk-based capital ratio | 11.3190% | 5,651 |
| Total risk-based capital ratio | 12.5727% | 5,558 |
| Memoranda: | ||
| Average total assets | $36,328,500 | 6,044 |
| Average earning assets | $33,066,000 | 6,038 |
| Average equity | $2,861,500 | 6,226 |
| Average total loans | $29,642,500 | 5,528 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6802% | 235 |
| Cost of funding earning assets | 0.6448% | 1,445 |
| Net interest margin | 5.0354% | 286 |
| Noninterest income to average assets | 0.6285% | 2,690 |
| Noninterest expense to average assets | 4.4614% | 479 |
| Loan and lease loss provision to assets | 0.0645% | 3,220 |
| Net operating income to assets | 0.5151% | 4,753 |
| Return on assets (ROA) | 0.6089% | 4,429 |
| Pretax return on assets | 0.8053% | 4,239 |
| Return on Equity (ROE) | 8.2091% | 3,016 |
| Retained earnings to average equity (ytd only) | 3.1021% | 4,031 |
| Net charge-offs to loans | 0.0917% | 3,184 |
| Credit loss provision to net charge-offs | 92.0000% | 2,604 |
| Earnings coverage of net charge-offs (x) | 10.6400% | 2,596 |
| Efficiency ratio | 85.6681% | 1,204 |
| Assets per employee ($millions) | 2.4590% | 6,181 |
| Cash dividends to net income (ytd only)* | 62.2120% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 2,423 |
| Loan loss allowance to noncurrent loans | 1,186.8421% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 5,419 |
| Noncurrent loans to loans | 0.1273% | 5,390 |
| Net loans and leases to total assets | 79.6991% | 776 |
| Net loans and leases to deposits | 91.9030% | 1,300 |
| Net loans and leases to core deposits | 104.4707% | 1,101 |
| Total domestic deposits to total assets | 86.7209% | 2,440 |
| Equity capital to assets | 7.6942% | 6,180 |
| Core capital (leverage) ratio | 7.6136% | 6,165 |
| Tier 1 risk-based capital ratio | 11.1255% | 5,856 |
| Total risk-based capital ratio | 12.3815% | 5,791 |
| Memoranda: | ||
| Average total assets | $35,638,800 | 6,140 |
| Average earning assets | $32,410,800 | 6,134 |
| Average equity | $2,643,400 | 6,327 |
| Average total loans | $27,277,000 | 5,680 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6930% | 231 |
| Cost of funding earning assets | 0.6463% | 1,480 |
| Net interest margin | 5.0466% | 269 |
| Noninterest income to average assets | 0.5020% | 3,535 |
| Noninterest expense to average assets | 4.4837% | 466 |
| Loan and lease loss provision to assets | 0.0679% | 2,982 |
| Net operating income to assets | 0.4114% | 5,205 |
| Return on assets (ROA) | 0.4680% | 5,078 |
| Pretax return on assets | 0.6227% | 4,958 |
| Return on Equity (ROE) | 6.3717% | 4,043 |
| Retained earnings to average equity (ytd only) | 6.3717% | 2,177 |
| Net charge-offs to loans | 0.0100% | 4,388 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 81.3970% | 695 |
| Efficiency ratio | 87.9349% | 1,009 |
| Assets per employee ($millions) | 2.2736% | 6,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7871% | 1,726 |
| Loan loss allowance to noncurrent loans | 1,042.2222% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 5,673 |
| Noncurrent loans to loans | 0.1715% | 5,395 |
| Net loans and leases to total assets | 70.8505% | 2,045 |
| Net loans and leases to deposits | 76.9052% | 3,079 |
| Net loans and leases to core deposits | 86.8660% | 2,560 |
| Total domestic deposits to total assets | 92.1271% | 140 |
| Equity capital to assets | 7.3891% | 6,326 |
| Core capital (leverage) ratio | 7.2402% | 6,343 |
| Tier 1 risk-based capital ratio | 10.6829% | 6,141 |
| Total risk-based capital ratio | 11.9397% | 6,090 |
| Memoranda: | ||
| Average total assets | $35,327,250 | 6,223 |
| Average earning assets | $32,179,250 | 6,213 |
| Average equity | $2,594,750 | 6,407 |
| Average total loans | $26,634,250 | 5,777 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7413% | 202 |
| Cost of funding earning assets | 0.6358% | 1,614 |
| Net interest margin | 5.1054% | 237 |
| Noninterest income to average assets | 0.5146% | 3,372 |
| Noninterest expense to average assets | 4.5401% | 433 |
| Loan and lease loss provision to assets | 0.0629% | 3,009 |
| Net operating income to assets | 0.4075% | 5,192 |
| Return on assets (ROA) | 0.4117% | 5,255 |
| Pretax return on assets | 0.5547% | 5,120 |
| Return on Equity (ROE) | 5.6169% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.6169% | 2,567 |
| Net charge-offs to loans | -0.0075% | 5,258 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1243% | 1,078 |
| Assets per employee ($millions) | 2.3374% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 2,031 |
| Loan loss allowance to noncurrent loans | 588.6076% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 5,431 |
| Noncurrent loans to loans | 0.2941% | 5,135 |
| Net loans and leases to total assets | 75.2774% | 1,270 |
| Net loans and leases to deposits | 81.6994% | 2,286 |
| Net loans and leases to core deposits | 91.1298% | 2,017 |
| Total domestic deposits to total assets | 92.1394% | 155 |
| Equity capital to assets | 7.4984% | 6,349 |
| Core capital (leverage) ratio | 7.2699% | 6,379 |
| Tier 1 risk-based capital ratio | 10.0777% | 6,375 |
| Total risk-based capital ratio | 11.3349% | 6,329 |
| Memoranda: | ||
| Average total assets | $34,977,000 | 6,291 |
| Average earning assets | $31,770,000 | 6,280 |
| Average equity | $2,563,670 | 6,466 |
| Average total loans | $26,764,670 | 5,811 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7501% | 202 |
| Cost of funding earning assets | 0.6192% | 1,823 |
| Net interest margin | 5.1309% | 211 |
| Noninterest income to average assets | 0.4923% | 3,476 |
| Noninterest expense to average assets | 4.5914% | 418 |
| Loan and lease loss provision to assets | 0.0687% | 2,757 |
| Net operating income to assets | 0.4694% | 4,843 |
| Return on assets (ROA) | 0.4694% | 4,917 |
| Pretax return on assets | 0.4809% | 5,223 |
| Return on Equity (ROE) | 6.4797% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.4797% | 2,296 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3096% | 1,094 |
| Assets per employee ($millions) | 2.1791% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 2,245 |
| Loan loss allowance to noncurrent loans | 441.3462% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 5,268 |
| Noncurrent loans to loans | 0.3921% | 4,957 |
| Net loans and leases to total assets | 74.7627% | 1,158 |
| Net loans and leases to deposits | 83.1743% | 1,926 |
| Net loans and leases to core deposits | 93.6077% | 1,584 |
| Total domestic deposits to total assets | 89.8867% | 1,134 |
| Equity capital to assets | 7.3684% | 6,356 |
| Core capital (leverage) ratio | 7.1499% | 6,437 |
| Tier 1 risk-based capital ratio | 10.0787% | 6,452 |
| Total risk-based capital ratio | 11.3380% | 6,421 |
| Memoranda: | ||
| Average total assets | $34,935,000 | 6,355 |
| Average earning assets | $31,651,500 | 6,348 |
| Average equity | $2,531,000 | 6,531 |
| Average total loans | $26,718,000 | 5,864 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8835% | 205 |
| Cost of funding earning assets | 0.5929% | 2,732 |
| Net interest margin | 5.2906% | 189 |
| Noninterest income to average assets | 1.6781% | 512 |
| Noninterest expense to average assets | 4.6641% | 456 |
| Loan and lease loss provision to assets | -0.5114% | 6,746 |
| Net operating income to assets | 1.5065% | 813 |
| Return on assets (ROA) | 1.5782% | 745 |
| Pretax return on assets | 2.4070% | 228 |
| Return on Equity (ROE) | 21.1135% | 227 |
| Retained earnings to average equity (ytd only) | 6.4087% | 1,734 |
| Net charge-offs to loans | -1.2233% | 6,761 |
| Credit loss provision to net charge-offs | 55.0633% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3007% | 3,418 |
| Assets per employee ($millions) | 2.3337% | 6,501 |
| Cash dividends to net income (ytd only)* | 69.6462% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6833% | 2,455 |
| Loan loss allowance to noncurrent loans | 427.3585% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 5,357 |
| Noncurrent loans to loans | 0.3939% | 5,028 |
| Net loans and leases to total assets | 75.5835% | 1,131 |
| Net loans and leases to deposits | 86.4245% | 1,634 |
| Net loans and leases to core deposits | 95.6198% | 1,479 |
| Total domestic deposits to total assets | 87.4561% | 2,493 |
| Equity capital to assets | 7.1218% | 6,426 |
| Core capital (leverage) ratio | 7.0997% | 6,503 |
| Tier 1 risk-based capital ratio | 9.7619% | 6,563 |
| Total risk-based capital ratio | 11.0210% | 6,531 |
| Memoranda: | ||
| Average total assets | $34,025,600 | 6,433 |
| Average earning assets | $30,696,200 | 6,436 |
| Average equity | $2,543,400 | 6,620 |
| Average total loans | $25,831,400 | 5,942 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9446% | 196 |
| Cost of funding earning assets | 0.5918% | 2,880 |
| Net interest margin | 5.3528% | 177 |
| Noninterest income to average assets | 2.0682% | 403 |
| Noninterest expense to average assets | 4.4206% | 565 |
| Loan and lease loss provision to assets | -0.7104% | 6,856 |
| Net operating income to assets | 2.0418% | 337 |
| Return on assets (ROA) | 2.1353% | 299 |
| Pretax return on assets | 3.3233% | 106 |
| Return on Equity (ROE) | 28.2207% | 85 |
| Retained earnings to average equity (ytd only) | 15.2316% | 188 |
| Net charge-offs to loans | -1.6431% | 6,842 |
| Credit loss provision to net charge-offs | 57.1429% | 3,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1834% | 4,773 |
| Assets per employee ($millions) | 2.2512% | 6,614 |
| Cash dividends to net income (ytd only)* | 46.0253% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 2,176 |
| Loan loss allowance to noncurrent loans | 2,477.7778% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 6,295 |
| Noncurrent loans to loans | 0.0742% | 6,114 |
| Net loans and leases to total assets | 70.4898% | 1,871 |
| Net loans and leases to deposits | 77.4157% | 2,757 |
| Net loans and leases to core deposits | 81.4390% | 2,941 |
| Total domestic deposits to total assets | 91.0537% | 509 |
| Equity capital to assets | 7.7944% | 6,262 |
| Core capital (leverage) ratio | 7.7338% | 6,362 |
| Tier 1 risk-based capital ratio | 11.3172% | 6,143 |
| Total risk-based capital ratio | 12.5777% | 6,105 |
| Memoranda: | ||
| Average total assets | $33,780,750 | 6,510 |
| Average earning assets | $30,413,250 | 6,508 |
| Average equity | $2,556,000 | 6,692 |
| Average total loans | $25,561,500 | 6,008 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0703% | 162 |
| Cost of funding earning assets | 0.6011% | 2,926 |
| Net interest margin | 5.4693% | 140 |
| Noninterest income to average assets | 2.7409% | 284 |
| Noninterest expense to average assets | 4.2800% | 638 |
| Loan and lease loss provision to assets | -1.1011% | 6,920 |
| Net operating income to assets | 2.8256% | 125 |
| Return on assets (ROA) | 2.9658% | 120 |
| Pretax return on assets | 4.6826% | 62 |
| Return on Equity (ROE) | 39.5943% | 31 |
| Retained earnings to average equity (ytd only) | 19.9157% | 90 |
| Net charge-offs to loans | -2.4001% | 6,894 |
| Credit loss provision to net charge-offs | 59.6154% | 3,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0031% | 5,965 |
| Assets per employee ($millions) | 2.1148% | 6,712 |
| Cash dividends to net income (ytd only)* | 49.7006% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 2,882 |
| Loan loss allowance to noncurrent loans | 4,370.0000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 6,443 |
| Noncurrent loans to loans | 0.0383% | 6,285 |
| Net loans and leases to total assets | 75.8541% | 999 |
| Net loans and leases to deposits | 87.0034% | 1,460 |
| Net loans and leases to core deposits | 92.8817% | 1,625 |
| Total domestic deposits to total assets | 87.1852% | 2,715 |
| Equity capital to assets | 7.5630% | 6,418 |
| Core capital (leverage) ratio | 7.5714% | 6,426 |
| Tier 1 risk-based capital ratio | 10.6639% | 6,457 |
| Total risk-based capital ratio | 11.9200% | 6,427 |
| Memoranda: | ||
| Average total assets | $33,785,000 | 6,562 |
| Average earning assets | $30,278,330 | 6,554 |
| Average equity | $2,530,670 | 6,746 |
| Average total loans | $25,999,000 | 6,022 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8577% | 213 |
| Cost of funding earning assets | 0.6145% | 2,973 |
| Net interest margin | 5.2432% | 184 |
| Noninterest income to average assets | 4.9290% | 150 |
| Noninterest expense to average assets | 4.0996% | 795 |
| Loan and lease loss provision to assets | -2.2749% | 7,010 |
| Net operating income to assets | 4.5773% | 46 |
| Return on assets (ROA) | 4.8579% | 48 |
| Pretax return on assets | 8.2940% | 33 |
| Return on Equity (ROE) | 65.1699% | 14 |
| Retained earnings to average equity (ytd only) | 25.5911% | 61 |
| Net charge-offs to loans | -4.9331% | 6,972 |
| Credit loss provision to net charge-offs | 60.0000% | 2,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3501% | 6,825 |
| Assets per employee ($millions) | 2.2085% | 6,762 |
| Cash dividends to net income (ytd only)* | 60.7317% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 3,035 |
| Loan loss allowance to noncurrent loans | 1,513.7931% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 6,328 |
| Noncurrent loans to loans | 0.1119% | 6,144 |
| Net loans and leases to total assets | 76.9191% | 731 |
| Net loans and leases to deposits | 84.3937% | 1,548 |
| Net loans and leases to core deposits | 91.2251% | 1,588 |
| Total domestic deposits to total assets | 91.1432% | 467 |
| Equity capital to assets | 7.8033% | 6,466 |
| Core capital (leverage) ratio | 7.3691% | 6,517 |
| Tier 1 risk-based capital ratio | 10.5038% | 6,577 |
| Total risk-based capital ratio | 11.7622% | 6,555 |
| Memoranda: | ||
| Average total assets | $33,759,500 | 6,623 |
| Average earning assets | $30,592,000 | 6,611 |
| Average equity | $2,516,500 | 6,809 |
| Average total loans | $25,947,000 | 6,074 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7493% | 397 |
| Cost of funding earning assets | 0.6942% | 3,539 |
| Net interest margin | 5.0550% | 348 |
| Noninterest income to average assets | 0.7008% | 2,718 |
| Noninterest expense to average assets | 4.1734% | 798 |
| Loan and lease loss provision to assets | 0.0754% | 4,781 |
| Net operating income to assets | 0.7406% | 3,553 |
| Return on assets (ROA) | 0.9585% | 2,755 |
| Pretax return on assets | 1.3042% | 2,380 |
| Return on Equity (ROE) | 13.1989% | 1,182 |
| Retained earnings to average equity (ytd only) | 9.7369% | 648 |
| Net charge-offs to loans | -0.1395% | 6,891 |
| Credit loss provision to net charge-offs | -80.0000% | 6,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4258% | 2,221 |
| Assets per employee ($millions) | 2.4566% | 6,649 |
| Cash dividends to net income (ytd only)* | 26.2295% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 5,141 |
| Loan loss allowance to noncurrent loans | 756.0976% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 6,270 |
| Noncurrent loans to loans | 0.1579% | 6,084 |
| Net loans and leases to total assets | 74.6220% | 1,112 |
| Net loans and leases to deposits | 85.2880% | 1,607 |
| Net loans and leases to core deposits | 92.5529% | 1,593 |
| Total domestic deposits to total assets | 87.4942% | 2,529 |
| Equity capital to assets | 7.1179% | 6,749 |
| Core capital (leverage) ratio | 7.0406% | 6,689 |
| Tier 1 risk-based capital ratio | 9.7500% | 6,759 |
| Total risk-based capital ratio | 11.0000% | 6,735 |
| Memoranda: | ||
| Average total assets | $31,820,800 | 6,711 |
| Average earning assets | $28,664,600 | 6,695 |
| Average equity | $2,310,800 | 6,914 |
| Average total loans | $21,510,400 | 6,360 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6918% | 468 |
| Cost of funding earning assets | 0.7049% | 3,716 |
| Net interest margin | 4.9869% | 415 |
| Noninterest income to average assets | 0.7526% | 2,465 |
| Noninterest expense to average assets | 4.3534% | 626 |
| Loan and lease loss provision to assets | 0.0770% | 4,678 |
| Net operating income to assets | 0.6239% | 4,272 |
| Return on assets (ROA) | 0.9408% | 3,015 |
| Pretax return on assets | 1.2059% | 2,975 |
| Return on Equity (ROE) | 12.8851% | 1,366 |
| Retained earnings to average equity (ytd only) | 8.1994% | 1,531 |
| Net charge-offs to loans | -0.1961% | 6,984 |
| Credit loss provision to net charge-offs | -60.0000% | 6,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2379% | 1,677 |
| Assets per employee ($millions) | 2.1167% | 6,957 |
| Cash dividends to net income (ytd only)* | 36.3618% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 4,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 69.8466% | 1,937 |
| Net loans and leases to deposits | 75.7670% | 3,015 |
| Net loans and leases to core deposits | 82.3995% | 2,903 |
| Total domestic deposits to total assets | 92.1861% | 190 |
| Equity capital to assets | 7.4076% | 6,790 |
| Core capital (leverage) ratio | 6.9841% | 6,798 |
| Tier 1 risk-based capital ratio | 10.8293% | 6,552 |
| Total risk-based capital ratio | 12.0807% | 6,530 |
| Memoranda: | ||
| Average total assets | $31,178,000 | 6,814 |
| Average earning assets | $27,992,500 | 6,804 |
| Average equity | $2,276,500 | 7,007 |
| Average total loans | $20,394,500 | 6,496 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5406% | 659 |
| Cost of funding earning assets | 0.7258% | 3,801 |
| Net interest margin | 4.8148% | 542 |
| Noninterest income to average assets | 0.8262% | 2,071 |
| Noninterest expense to average assets | 4.1695% | 763 |
| Loan and lease loss provision to assets | 0.0775% | 4,647 |
| Net operating income to assets | 0.5935% | 4,398 |
| Return on assets (ROA) | 1.0004% | 2,681 |
| Pretax return on assets | 1.5297% | 1,779 |
| Return on Equity (ROE) | 13.7696% | 1,176 |
| Retained earnings to average equity (ytd only) | 6.6627% | 2,295 |
| Net charge-offs to loans | -0.3452% | 7,090 |
| Credit loss provision to net charge-offs | -35.2941% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 2,034 |
| Assets per employee ($millions) | 2.3144% | 6,898 |
| Cash dividends to net income (ytd only)* | 51.6129% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 4,012 |
| Loan loss allowance to noncurrent loans | 15,100.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 6,836 |
| Noncurrent loans to loans | 0.0099% | 6,686 |
| Net loans and leases to total assets | 61.2370% | 3,582 |
| Net loans and leases to deposits | 66.1532% | 4,491 |
| Net loans and leases to core deposits | 71.1591% | 4,396 |
| Total domestic deposits to total assets | 92.5684% | 154 |
| Equity capital to assets | 7.0798% | 6,895 |
| Core capital (leverage) ratio | 7.3332% | 6,698 |
| Tier 1 risk-based capital ratio | 11.9775% | 5,950 |
| Total risk-based capital ratio | 13.2337% | 5,918 |
| Memoranda: | ||
| Average total assets | $30,987,000 | 6,866 |
| Average earning assets | $27,830,670 | 6,858 |
| Average equity | $2,251,330 | 7,059 |
| Average total loans | $19,699,000 | 6,573 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5946% | 634 |
| Cost of funding earning assets | 0.7596% | 3,791 |
| Net interest margin | 4.8350% | 526 |
| Noninterest income to average assets | 0.6077% | 3,181 |
| Noninterest expense to average assets | 4.2141% | 727 |
| Loan and lease loss provision to assets | 0.0793% | 4,406 |
| Net operating income to assets | 0.4581% | 5,005 |
| Return on assets (ROA) | 1.3078% | 1,606 |
| Pretax return on assets | 1.9551% | 801 |
| Return on Equity (ROE) | 17.7578% | 575 |
| Retained earnings to average equity (ytd only) | 3.4081% | 4,525 |
| Net charge-offs to loans | -0.7599% | 7,190 |
| Credit loss provision to net charge-offs | -16.2162% | 5,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 1,623 |
| Assets per employee ($millions) | 2.3643% | 6,947 |
| Cash dividends to net income (ytd only)* | 80.8081% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 3,942 |
| Loan loss allowance to noncurrent loans | 318.0851% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 1.5910% | 3,464 |
| Noncurrent loans to loans | 0.4873% | 5,698 |
| Net loans and leases to total assets | 61.7875% | 3,298 |
| Net loans and leases to deposits | 66.7968% | 4,260 |
| Net loans and leases to core deposits | 71.7345% | 4,191 |
| Total domestic deposits to total assets | 92.5007% | 191 |
| Equity capital to assets | 7.2521% | 6,866 |
| Core capital (leverage) ratio | 7.0817% | 6,809 |
| Tier 1 risk-based capital ratio | 12.1055% | 5,893 |
| Total risk-based capital ratio | 13.3600% | 5,865 |
| Memoranda: | ||
| Average total assets | $30,279,500 | 6,941 |
| Average earning assets | $27,383,500 | 6,925 |
| Average equity | $2,230,000 | 7,116 |
| Average total loans | $19,476,500 | 6,638 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1317% | 346 |
| Cost of funding earning assets | 1.1071% | 2,623 |
| Net interest margin | 5.0246% | 398 |
| Noninterest income to average assets | 0.7981% | 2,073 |
| Noninterest expense to average assets | 4.4277% | 629 |
| Loan and lease loss provision to assets | 0.2709% | 3,507 |
| Net operating income to assets | 0.4667% | 4,555 |
| Return on assets (ROA) | 0.5778% | 4,292 |
| Pretax return on assets | 0.7115% | 4,286 |
| Return on Equity (ROE) | 7.6482% | 3,079 |
| Retained earnings to average equity (ytd only) | 5.0191% | 2,627 |
| Net charge-offs to loans | 1.0067% | 1,728 |
| Credit loss provision to net charge-offs | 38.4615% | 5,659 |
| Earnings coverage of net charge-offs (x) | 1.2000% | 4,887 |
| Efficiency ratio | 83.9726% | 1,766 |
| Assets per employee ($millions) | 2.2941% | 7,016 |
| Cash dividends to net income (ytd only)* | 34.3750% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 4,896 |
| Loan loss allowance to noncurrent loans | 568.8889% | 624 |
| Noncurrent assets plus other real estate owned to assets | 1.4754% | 3,745 |
| Noncurrent loans to loans | 0.2289% | 6,283 |
| Net loans and leases to total assets | 65.0739% | 2,963 |
| Net loans and leases to deposits | 70.5350% | 4,017 |
| Net loans and leases to core deposits | 75.0841% | 4,088 |
| Total domestic deposits to total assets | 92.2577% | 206 |
| Equity capital to assets | 7.4808% | 6,817 |
| Core capital (leverage) ratio | 7.3169% | 6,740 |
| Tier 1 risk-based capital ratio | 10.9680% | 6,470 |
| Total risk-based capital ratio | 12.2200% | 6,450 |
| Memoranda: | ||
| Average total assets | $27,689,400 | 7,037 |
| Average earning assets | $24,658,600 | 7,022 |
| Average equity | $2,092,000 | 7,195 |
| Average total loans | $19,370,200 | 6,689 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2657% | 288 |
| Cost of funding earning assets | 1.1703% | 2,506 |
| Net interest margin | 5.0953% | 343 |
| Noninterest income to average assets | 0.8248% | 1,945 |
| Noninterest expense to average assets | 4.4973% | 578 |
| Loan and lease loss provision to assets | 0.3486% | 2,788 |
| Net operating income to assets | 0.3793% | 5,085 |
| Return on assets (ROA) | 0.3830% | 5,258 |
| Pretax return on assets | 0.5155% | 5,117 |
| Return on Equity (ROE) | 5.0553% | 4,510 |
| Retained earnings to average equity (ytd only) | 1.4908% | 5,392 |
| Net charge-offs to loans | 0.1451% | 4,614 |
| Credit loss provision to net charge-offs | 338.0952% | 836 |
| Earnings coverage of net charge-offs (x) | 8.3332% | 2,196 |
| Efficiency ratio | 83.9597% | 1,736 |
| Assets per employee ($millions) | 2.1416% | 7,176 |
| Cash dividends to net income (ytd only)* | 70.5096% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2573% | 1,759 |
| Loan loss allowance to noncurrent loans | 163.8462% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 2.3526% | 2,726 |
| Noncurrent loans to loans | 1.3777% | 4,228 |
| Net loans and leases to total assets | 66.2548% | 2,844 |
| Net loans and leases to deposits | 72.1618% | 3,960 |
| Net loans and leases to core deposits | 77.1767% | 4,020 |
| Total domestic deposits to total assets | 91.8142% | 238 |
| Equity capital to assets | 7.8230% | 6,794 |
| Core capital (leverage) ratio | 7.2793% | 6,868 |
| Tier 1 risk-based capital ratio | 11.2439% | 6,404 |
| Total risk-based capital ratio | 12.5056% | 6,375 |
| Memoranda: | ||
| Average total assets | $27,156,000 | 7,116 |
| Average earning assets | $24,152,250 | 7,108 |
| Average equity | $2,057,250 | 7,271 |
| Average total loans | $19,297,000 | 6,765 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3355% | 265 |
| Cost of funding earning assets | 1.2436% | 2,300 |
| Net interest margin | 5.0919% | 337 |
| Noninterest income to average assets | 0.8467% | 1,815 |
| Noninterest expense to average assets | 4.4564% | 624 |
| Loan and lease loss provision to assets | 0.0446% | 5,756 |
| Net operating income to assets | 0.7216% | 3,433 |
| Return on assets (ROA) | 0.7279% | 3,515 |
| Pretax return on assets | 0.8541% | 3,816 |
| Return on Equity (ROE) | 9.7174% | 2,225 |
| Retained earnings to average equity (ytd only) | 4.2638% | 3,480 |
| Net charge-offs to loans | 0.0309% | 5,412 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 743 |
| Efficiency ratio | 83.3333% | 1,907 |
| Assets per employee ($millions) | 1.9789% | 7,304 |
| Cash dividends to net income (ytd only)* | 56.1224% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9398% | 2,541 |
| Loan loss allowance to noncurrent loans | 164.0693% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 2.2595% | 2,904 |
| Noncurrent loans to loans | 1.1823% | 4,679 |
| Net loans and leases to total assets | 69.1536% | 2,387 |
| Net loans and leases to deposits | 75.2100% | 3,613 |
| Net loans and leases to core deposits | 79.9558% | 3,793 |
| Total domestic deposits to total assets | 91.9473% | 243 |
| Equity capital to assets | 7.6918% | 6,860 |
| Core capital (leverage) ratio | 7.5226% | 6,728 |
| Tier 1 risk-based capital ratio | 11.5354% | 6,149 |
| Total risk-based capital ratio | 12.7987% | 6,124 |
| Memoranda: | ||
| Average total assets | $26,927,670 | 7,187 |
| Average earning assets | $23,802,330 | 7,184 |
| Average equity | $2,017,000 | 7,344 |
| Average total loans | $19,438,670 | 6,820 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2392% | 312 |
| Cost of funding earning assets | 1.2956% | 2,204 |
| Net interest margin | 4.9436% | 420 |
| Noninterest income to average assets | 0.9495% | 1,474 |
| Noninterest expense to average assets | 4.5970% | 540 |
| Loan and lease loss provision to assets | 0.0452% | 5,434 |
| Net operating income to assets | 0.6782% | 3,619 |
| Return on assets (ROA) | 0.6782% | 3,685 |
| Pretax return on assets | 0.6782% | 4,391 |
| Return on Equity (ROE) | 9.1837% | 2,393 |
| Retained earnings to average equity (ytd only) | -2.0408% | 6,152 |
| Net charge-offs to loans | 0.0825% | 4,122 |
| Credit loss provision to net charge-offs | 75.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,523 |
| Efficiency ratio | 86.4023% | 1,668 |
| Assets per employee ($millions) | 1.9291% | 7,389 |
| Cash dividends to net income (ytd only)* | 122.2222% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9185% | 2,631 |
| Loan loss allowance to noncurrent loans | 162.3377% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 2.3178% | 2,930 |
| Noncurrent loans to loans | 1.1818% | 4,711 |
| Net loans and leases to total assets | 70.9864% | 1,931 |
| Net loans and leases to deposits | 76.9280% | 3,269 |
| Net loans and leases to core deposits | 82.2303% | 3,428 |
| Total domestic deposits to total assets | 92.2764% | 219 |
| Equity capital to assets | 7.4126% | 6,915 |
| Core capital (leverage) ratio | 7.1413% | 6,944 |
| Tier 1 risk-based capital ratio | 11.7745% | 5,875 |
| Total risk-based capital ratio | 13.0397% | 5,873 |
| Memoranda: | ||
| Average total assets | $26,539,000 | 7,248 |
| Average earning assets | $23,464,500 | 7,248 |
| Average equity | $1,960,000 | 7,400 |
| Average total loans | $19,389,000 | 6,874 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3989% | 381 |
| Cost of funding earning assets | 1.5341% | 2,451 |
| Net interest margin | 4.8648% | 582 |
| Noninterest income to average assets | 1.0080% | 1,477 |
| Noninterest expense to average assets | 4.7740% | 515 |
| Loan and lease loss provision to assets | 0.1895% | 5,337 |
| Net operating income to assets | 0.3099% | 4,901 |
| Return on assets (ROA) | 0.3992% | 4,684 |
| Pretax return on assets | 0.4879% | 4,665 |
| Return on Equity (ROE) | 5.0619% | 4,042 |
| Retained earnings to average equity (ytd only) | 2.2497% | 4,307 |
| Net charge-offs to loans | 1.3123% | 1,702 |
| Credit loss provision to net charge-offs | 19.2623% | 6,558 |
| Earnings coverage of net charge-offs (x) | 0.5779% | 5,526 |
| Efficiency ratio | 89.3585% | 1,375 |
| Assets per employee ($millions) | 1.8621% | 7,471 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 2,411 |
| Loan loss allowance to noncurrent loans | 24.7531% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 7.3418% | 724 |
| Noncurrent loans to loans | 7.8987% | 666 |
| Net loans and leases to total assets | 72.3245% | 2,024 |
| Net loans and leases to deposits | 78.7068% | 3,388 |
| Net loans and leases to core deposits | 84.7378% | 3,488 |
| Total domestic deposits to total assets | 91.8911% | 304 |
| Equity capital to assets | 7.3571% | 6,967 |
| Core capital (leverage) ratio | 7.2536% | 6,875 |
| Tier 1 risk-based capital ratio | 11.2612% | 6,121 |
| Total risk-based capital ratio | 12.5219% | 6,099 |
| Memoranda: | ||
| Average total assets | $24,801,200 | 7,353 |
| Average earning assets | $22,097,600 | 7,346 |
| Average equity | $1,955,800 | 7,508 |
| Average total loans | $18,594,000 | 6,997 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5801% | 299 |
| Cost of funding earning assets | 1.5551% | 2,637 |
| Net interest margin | 5.0251% | 411 |
| Noninterest income to average assets | 1.0619% | 1,274 |
| Noninterest expense to average assets | 4.8793% | 412 |
| Loan and lease loss provision to assets | 0.1307% | 5,720 |
| Net operating income to assets | 0.4393% | 4,590 |
| Return on assets (ROA) | 0.5555% | 4,241 |
| Pretax return on assets | 0.6807% | 4,301 |
| Return on Equity (ROE) | 6.9202% | 3,380 |
| Retained earnings to average equity (ytd only) | 3.1889% | 4,194 |
| Net charge-offs to loans | 0.0072% | 6,564 |
| Credit loss provision to net charge-offs | 2,400.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 123.3083% | 261 |
| Efficiency ratio | 87.9293% | 1,452 |
| Assets per employee ($millions) | 1.9249% | 7,541 |
| Cash dividends to net income (ytd only)* | 53.9191% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3023% | 636 |
| Loan loss allowance to noncurrent loans | 34.3516% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 8.5118% | 564 |
| Noncurrent loans to loans | 9.6133% | 463 |
| Net loans and leases to total assets | 69.7410% | 2,802 |
| Net loans and leases to deposits | 76.3229% | 4,123 |
| Net loans and leases to core deposits | 81.3082% | 4,341 |
| Total domestic deposits to total assets | 91.3763% | 339 |
| Equity capital to assets | 8.0882% | 6,724 |
| Core capital (leverage) ratio | 7.4451% | 6,884 |
| Tier 1 risk-based capital ratio | 12.0482% | 5,421 |
| Total risk-based capital ratio | 13.3307% | 5,354 |
| Memoranda: | ||
| Average total assets | $24,484,000 | 7,457 |
| Average earning assets | $21,863,250 | 7,449 |
| Average equity | $1,965,250 | 7,601 |
| Average total loans | $18,434,750 | 7,100 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6636% | 264 |
| Cost of funding earning assets | 1.5831% | 2,755 |
| Net interest margin | 5.0805% | 359 |
| Noninterest income to average assets | 1.1521% | 970 |
| Noninterest expense to average assets | 4.9704% | 385 |
| Loan and lease loss provision to assets | 0.1728% | 5,135 |
| Net operating income to assets | 0.4552% | 4,527 |
| Return on assets (ROA) | 0.6172% | 3,935 |
| Pretax return on assets | 0.7488% | 4,071 |
| Return on Equity (ROE) | 7.7094% | 3,013 |
| Retained earnings to average equity (ytd only) | 2.0558% | 4,832 |
| Net charge-offs to loans | 0.0215% | 6,037 |
| Credit loss provision to net charge-offs | 1,050.0000% | 356 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 668 |
| Efficiency ratio | 87.2832% | 1,581 |
| Assets per employee ($millions) | 1.8995% | 7,621 |
| Cash dividends to net income (ytd only)* | 73.3333% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1296% | 745 |
| Loan loss allowance to noncurrent loans | 123.8494% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 3.5353% | 1,984 |
| Noncurrent loans to loans | 2.5270% | 3,128 |
| Net loans and leases to total assets | 74.2043% | 1,866 |
| Net loans and leases to deposits | 81.1335% | 3,414 |
| Net loans and leases to core deposits | 84.1206% | 4,125 |
| Total domestic deposits to total assets | 91.4595% | 341 |
| Equity capital to assets | 8.0424% | 6,708 |
| Core capital (leverage) ratio | 7.5550% | 6,775 |
| Tier 1 risk-based capital ratio | 11.7954% | 5,496 |
| Total risk-based capital ratio | 13.0788% | 5,432 |
| Memoranda: | ||
| Average total assets | $24,304,000 | 7,523 |
| Average earning assets | $21,730,000 | 7,514 |
| Average equity | $1,945,670 | 7,668 |
| Average total loans | $18,563,670 | 7,149 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7483% | 243 |
| Cost of funding earning assets | 1.6360% | 2,733 |
| Net interest margin | 5.1124% | 341 |
| Noninterest income to average assets | 1.1448% | 955 |
| Noninterest expense to average assets | 5.1101% | 340 |
| Loan and lease loss provision to assets | 0.0332% | 6,346 |
| Net operating income to assets | 0.4148% | 4,773 |
| Return on assets (ROA) | 0.4148% | 4,918 |
| Pretax return on assets | 0.5641% | 4,737 |
| Return on Equity (ROE) | 5.1935% | 4,262 |
| Retained earnings to average equity (ytd only) | -6.2321% | 6,679 |
| Net charge-offs to loans | -0.0435% | 7,307 |
| Credit loss provision to net charge-offs | -100.0000% | 6,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5349% | 1,468 |
| Assets per employee ($millions) | 1.7256% | 7,775 |
| Cash dividends to net income (ytd only)* | 220.0000% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0879% | 765 |
| Loan loss allowance to noncurrent loans | 116.5657% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 3.6841% | 1,898 |
| Noncurrent loans to loans | 2.6490% | 3,025 |
| Net loans and leases to total assets | 74.9607% | 1,747 |
| Net loans and leases to deposits | 81.8338% | 3,309 |
| Net loans and leases to core deposits | 85.9387% | 3,911 |
| Total domestic deposits to total assets | 91.6011% | 346 |
| Equity capital to assets | 7.9767% | 6,679 |
| Core capital (leverage) ratio | 7.4410% | 6,903 |
| Tier 1 risk-based capital ratio | 11.5842% | 5,591 |
| Total risk-based capital ratio | 12.8640% | 5,529 |
| Memoranda: | ||
| Average total assets | $24,109,000 | 7,623 |
| Average earning assets | $21,516,500 | 7,613 |
| Average equity | $1,925,500 | 7,759 |
| Average total loans | $18,387,500 | 7,245 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3144% | 172 |
| Cost of funding earning assets | 1.9583% | 3,167 |
| Net interest margin | 5.3560% | 226 |
| Noninterest income to average assets | 1.4578% | 678 |
| Noninterest expense to average assets | 5.0312% | 506 |
| Loan and lease loss provision to assets | 0.1032% | 6,602 |
| Net operating income to assets | 0.6990% | 2,940 |
| Return on assets (ROA) | 0.7224% | 2,918 |
| Pretax return on assets | 1.0621% | 2,370 |
| Return on Equity (ROE) | 9.0723% | 2,003 |
| Retained earnings to average equity (ytd only) | 6.9122% | 995 |
| Net charge-offs to loans | 0.2645% | 4,963 |
| Credit loss provision to net charge-offs | 52.1739% | 6,721 |
| Earnings coverage of net charge-offs (x) | 5.7174% | 2,518 |
| Efficiency ratio | 81.3678% | 2,688 |
| Assets per employee ($millions) | 1.6040% | 7,880 |
| Cash dividends to net income (ytd only)* | 23.8095% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1677% | 671 |
| Loan loss allowance to noncurrent loans | 9,550.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 1.8745% | 3,562 |
| Noncurrent loans to loans | 0.0332% | 7,347 |
| Net loans and leases to total assets | 72.8013% | 2,554 |
| Net loans and leases to deposits | 79.9343% | 4,009 |
| Net loans and leases to core deposits | 107.3877% | 3,174 |
| Total domestic deposits to total assets | 91.0765% | 505 |
| Equity capital to assets | 7.9967% | 6,586 |
| Core capital (leverage) ratio | 7.5776% | 6,711 |
| Tier 1 risk-based capital ratio | 11.8970% | 5,029 |
| Total risk-based capital ratio | 13.1776% | 4,957 |
| Memoranda: | ||
| Average total assets | $23,254,800 | 7,691 |
| Average earning assets | $20,425,600 | 7,695 |
| Average equity | $1,851,800 | 7,868 |
| Average total loans | $17,394,200 | 7,334 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3919% | 169 |
| Cost of funding earning assets | 1.9896% | 3,411 |
| Net interest margin | 5.4023% | 211 |
| Noninterest income to average assets | 1.4864% | 671 |
| Noninterest expense to average assets | 4.9160% | 518 |
| Loan and lease loss provision to assets | 0.1215% | 6,143 |
| Net operating income to assets | 0.7907% | 2,852 |
| Return on assets (ROA) | 0.8213% | 2,784 |
| Pretax return on assets | 1.2377% | 2,142 |
| Return on Equity (ROE) | 10.3247% | 1,812 |
| Retained earnings to average equity (ytd only) | 7.4165% | 1,344 |
| Net charge-offs to loans | 0.0852% | 5,833 |
| Credit loss provision to net charge-offs | 190.9091% | 2,373 |
| Earnings coverage of net charge-offs (x) | 20.6312% | 1,231 |
| Efficiency ratio | 78.9229% | 3,003 |
| Assets per employee ($millions) | 2.0275% | 7,782 |
| Cash dividends to net income (ytd only)* | 28.1677% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4346% | 444 |
| Loan loss allowance to noncurrent loans | 1,635.1351% | 234 |
| Noncurrent assets plus other real estate owned to assets | 1.9811% | 3,371 |
| Noncurrent loans to loans | 0.2100% | 6,974 |
| Net loans and leases to total assets | 69.9137% | 3,536 |
| Net loans and leases to deposits | 76.3157% | 4,984 |
| Net loans and leases to core deposits | 99.0797% | 4,476 |
| Total domestic deposits to total assets | 91.6112% | 239 |
| Equity capital to assets | 7.8997% | 6,946 |
| Core capital (leverage) ratio | 7.5118% | 6,955 |
| Tier 1 risk-based capital ratio | 11.5746% | 5,370 |
| Total risk-based capital ratio | 12.8592% | 5,269 |
| Memoranda: | ||
| Average total assets | $23,053,500 | 7,768 |
| Average earning assets | $20,237,750 | 7,777 |
| Average equity | $1,833,750 | 7,951 |
| Average total loans | $17,220,500 | 7,406 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5969% | 136 |
| Cost of funding earning assets | 2.0434% | 3,555 |
| Net interest margin | 5.5535% | 173 |
| Noninterest income to average assets | 1.2109% | 1,064 |
| Noninterest expense to average assets | 5.0557% | 494 |
| Loan and lease loss provision to assets | 0.1591% | 5,478 |
| Net operating income to assets | 0.6689% | 3,391 |
| Return on assets (ROA) | 0.7248% | 3,258 |
| Pretax return on assets | 0.9192% | 3,279 |
| Return on Equity (ROE) | 9.0892% | 2,331 |
| Retained earnings to average equity (ytd only) | 4.6555% | 2,709 |
| Net charge-offs to loans | 0.1287% | 4,883 |
| Credit loss provision to net charge-offs | 163.6364% | 2,803 |
| Earnings coverage of net charge-offs (x) | 10.3636% | 2,001 |
| Efficiency ratio | 83.3819% | 2,557 |
| Assets per employee ($millions) | 1.9009% | 7,917 |
| Cash dividends to net income (ytd only)* | 48.7805% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4355% | 400 |
| Loan loss allowance to noncurrent loans | 60,200.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 1.9552% | 3,259 |
| Noncurrent loans to loans | 0.0057% | 7,557 |
| Net loans and leases to total assets | 74.1791% | 2,659 |
| Net loans and leases to deposits | 81.2611% | 4,347 |
| Net loans and leases to core deposits | 99.6115% | 4,546 |
| Total domestic deposits to total assets | 91.2849% | 380 |
| Equity capital to assets | 8.1189% | 6,609 |
| Core capital (leverage) ratio | 7.6766% | 6,791 |
| Tier 1 risk-based capital ratio | 10.5944% | 6,302 |
| Total risk-based capital ratio | 11.8747% | 6,196 |
| Memoranda: | ||
| Average total assets | $22,628,000 | 7,859 |
| Average earning assets | $19,771,330 | 7,869 |
| Average equity | $1,804,330 | 8,039 |
| Average total loans | $17,089,000 | 7,484 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6794% | 136 |
| Cost of funding earning assets | 2.0777% | 3,751 |
| Net interest margin | 5.6017% | 158 |
| Noninterest income to average assets | 1.0649% | 1,308 |
| Noninterest expense to average assets | 5.0940% | 452 |
| Loan and lease loss provision to assets | 0.2662% | 3,832 |
| Net operating income to assets | 0.4643% | 4,596 |
| Return on assets (ROA) | 0.4082% | 5,002 |
| Pretax return on assets | 0.5147% | 5,042 |
| Return on Equity (ROE) | 5.1671% | 4,398 |
| Retained earnings to average equity (ytd only) | -3.8192% | 6,405 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6716% | 2,112 |
| Assets per employee ($millions) | 1.8723% | 7,981 |
| Cash dividends to net income (ytd only)* | 173.9130% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5248% | 315 |
| Loan loss allowance to noncurrent loans | 1,016.6667% | 398 |
| Noncurrent assets plus other real estate owned to assets | 2.0252% | 2,857 |
| Noncurrent loans to loans | 0.3467% | 6,561 |
| Net loans and leases to total assets | 74.3134% | 2,675 |
| Net loans and leases to deposits | 81.3130% | 4,404 |
| Net loans and leases to core deposits | 100.8578% | 4,455 |
| Total domestic deposits to total assets | 91.3918% | 299 |
| Equity capital to assets | 8.1275% | 6,634 |
| Core capital (leverage) ratio | 7.4234% | 7,250 |
| Tier 1 risk-based capital ratio | 10.8593% | 6,031 |
| Total risk-based capital ratio | 12.1459% | 5,904 |
| Memoranda: | ||
| Average total assets | $22,536,500 | 7,911 |
| Average earning assets | $19,637,000 | 7,915 |
| Average equity | $1,780,500 | 8,097 |
| Average total loans | $16,872,000 | 7,539 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9435% | 206 |
| Cost of funding earning assets | 2.8464% | 2,491 |
| Net interest margin | 5.0971% | 409 |
| Noninterest income to average assets | 0.9440% | 1,796 |
| Noninterest expense to average assets | 4.8919% | 668 |
| Loan and lease loss provision to assets | 0.4763% | 2,919 |
| Net operating income to assets | 0.0478% | 6,239 |
| Return on assets (ROA) | 0.1974% | 5,673 |
| Pretax return on assets | 0.2317% | 5,662 |
| Return on Equity (ROE) | 2.6810% | 5,348 |
| Retained earnings to average equity (ytd only) | 2.6810% | 3,507 |
| Net charge-offs to loans | 0.2367% | 3,881 |
| Credit loss provision to net charge-offs | 292.1053% | 1,555 |
| Earnings coverage of net charge-offs (x) | 3.2632% | 4,460 |
| Efficiency ratio | 90.1899% | 1,500 |
| Assets per employee ($millions) | 1.8838% | 8,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6197% | 254 |
| Loan loss allowance to noncurrent loans | 29,750.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 1.7562% | 2,783 |
| Noncurrent loans to loans | 0.0122% | 7,497 |
| Net loans and leases to total assets | 70.0832% | 3,999 |
| Net loans and leases to deposits | 80.6013% | 4,943 |
| Net loans and leases to core deposits | 97.2082% | 5,125 |
| Total domestic deposits to total assets | 86.9504% | 1,955 |
| Equity capital to assets | 7.6750% | 7,232 |
| Core capital (leverage) ratio | 6.8959% | 7,762 |
| Tier 1 risk-based capital ratio | 10.6159% | 6,082 |
| Total risk-based capital ratio | 11.9000% | 5,952 |
| Memoranda: | ||
| Average total assets | $23,304,000 | 7,900 |
| Average earning assets | $20,482,200 | 7,916 |
| Average equity | $1,715,800 | 8,180 |
| Average total loans | $16,055,000 | 7,585 |