Home > Central State Bank > Performance and Condition Ratios
Central State Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6274% | 4,760 |
| Cost of funding earning assets | 0.1310% | 5,273 |
| Net interest margin | 3.4964% | 3,710 |
| Noninterest income to average assets | 1.5460% | 408 |
| Noninterest expense to average assets | 3.7601% | 699 |
| Loan and lease loss provision to assets | 0.0269% | 3,475 |
| Net operating income to assets | 0.7219% | 4,158 |
| Return on assets (ROA) | 0.7219% | 4,167 |
| Pretax return on assets | 0.9136% | 3,969 |
| Return on Equity (ROE) | 5.0692% | 4,535 |
| Retained earnings to average equity (ytd only) | 1.2956% | 4,781 |
| Net charge-offs to loans | 0.0420% | 2,248 |
| Credit loss provision to net charge-offs | 125.0000% | 1,939 |
| Earnings coverage of net charge-offs (x) | 43.7488% | 1,276 |
| Efficiency ratio | 79.9924% | 942 |
| Assets per employee ($millions) | 3.2730% | 4,803 |
| Cash dividends to net income (ytd only)* | 74.4417% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,451 |
| Loan loss allowance to noncurrent loans | 96.6102% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5768% | 2,452 |
| Noncurrent loans to loans | 1.2730% | 1,326 |
| Net loans and leases to total assets | 44.7547% | 4,854 |
| Net loans and leases to deposits | 52.1370% | 4,885 |
| Net loans and leases to core deposits | 52.5296% | 4,952 |
| Total domestic deposits to total assets | 85.8407% | 2,264 |
| Equity capital to assets | 12.9201% | 1,368 |
| Core capital (leverage) ratio | 13.7032% | 1,030 |
| Tier 1 risk-based capital ratio | 26.1056% | 674 |
| Total risk-based capital ratio | 27.2316% | 671 |
| Memoranda: | ||
| Average total assets | $74,429,000 | 4,569 |
| Average earning assets | $67,153,000 | 4,589 |
| Average equity | $10,599,750 | 4,255 |
| Average total loans | $38,137,250 | 4,659 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 4,693 |
| Cost of funding earning assets | 0.1175% | 5,355 |
| Net interest margin | 3.5270% | 3,546 |
| Noninterest income to average assets | 1.6508% | 368 |
| Noninterest expense to average assets | 3.9298% | 587 |
| Loan and lease loss provision to assets | 0.0417% | 3,068 |
| Net operating income to assets | 0.6726% | 4,275 |
| Return on assets (ROA) | 0.6726% | 4,280 |
| Pretax return on assets | 0.8504% | 4,110 |
| Return on Equity (ROE) | 4.5622% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.5622% | 3,312 |
| Net charge-offs to loans | 0.0779% | 1,547 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 21.4000% | 1,776 |
| Efficiency ratio | 81.4986% | 873 |
| Assets per employee ($millions) | 2.9870% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 2,811 |
| Loan loss allowance to noncurrent loans | 78.5095% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7727% | 1,930 |
| Noncurrent loans to loans | 1.5089% | 1,109 |
| Net loans and leases to total assets | 50.6006% | 4,575 |
| Net loans and leases to deposits | 59.7133% | 4,544 |
| Net loans and leases to core deposits | 60.6770% | 4,670 |
| Total domestic deposits to total assets | 84.7392% | 2,777 |
| Equity capital to assets | 14.3515% | 849 |
| Core capital (leverage) ratio | 14.4173% | 801 |
| Tier 1 risk-based capital ratio | 27.0832% | 601 |
| Total risk-based capital ratio | 28.2278% | 601 |
| Memoranda: | ||
| Average total assets | $71,963,330 | 4,654 |
| Average earning assets | $64,700,330 | 4,683 |
| Average equity | $10,609,000 | 4,289 |
| Average total loans | $38,490,670 | 4,686 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 4,698 |
| Cost of funding earning assets | 0.1079% | 5,441 |
| Net interest margin | 3.4956% | 3,553 |
| Noninterest income to average assets | 2.0224% | 268 |
| Noninterest expense to average assets | 3.9769% | 548 |
| Loan and lease loss provision to assets | 0.0850% | 2,101 |
| Net operating income to assets | 0.8554% | 3,474 |
| Return on assets (ROA) | 0.8554% | 3,489 |
| Pretax return on assets | 1.0820% | 3,240 |
| Return on Equity (ROE) | 5.7224% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.7224% | 2,844 |
| Net charge-offs to loans | 0.1554% | 908 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 13.7333% | 1,742 |
| Efficiency ratio | 77.3128% | 1,422 |
| Assets per employee ($millions) | 2.8182% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 2,950 |
| Loan loss allowance to noncurrent loans | 83.8590% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9425% | 1,675 |
| Noncurrent loans to loans | 1.4050% | 1,269 |
| Net loans and leases to total assets | 53.8110% | 4,305 |
| Net loans and leases to deposits | 64.1337% | 4,202 |
| Net loans and leases to core deposits | 65.2407% | 4,361 |
| Total domestic deposits to total assets | 83.9044% | 3,367 |
| Equity capital to assets | 15.0850% | 650 |
| Core capital (leverage) ratio | 15.4258% | 566 |
| Tier 1 risk-based capital ratio | 26.7875% | 624 |
| Total risk-based capital ratio | 27.9266% | 621 |
| Memoranda: | ||
| Average total assets | $70,607,500 | 4,730 |
| Average earning assets | $63,050,500 | 4,770 |
| Average equity | $10,555,000 | 4,345 |
| Average total loans | $38,616,500 | 4,736 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6704% | 4,407 |
| Cost of funding earning assets | 0.1115% | 5,449 |
| Net interest margin | 3.5590% | 3,303 |
| Noninterest income to average assets | 1.6910% | 378 |
| Noninterest expense to average assets | 3.7756% | 713 |
| Loan and lease loss provision to assets | 0.0416% | 3,431 |
| Net operating income to assets | 1.1255% | 1,767 |
| Return on assets (ROA) | 1.1255% | 1,799 |
| Pretax return on assets | 1.0603% | 3,343 |
| Return on Equity (ROE) | 8.0714% | 2,764 |
| Retained earnings to average equity (ytd only) | 6.0834% | 1,492 |
| Net charge-offs to loans | 0.0420% | 2,943 |
| Credit loss provision to net charge-offs | 176.4706% | 1,540 |
| Earnings coverage of net charge-offs (x) | 46.7647% | 1,145 |
| Efficiency ratio | 77.4084% | 1,434 |
| Assets per employee ($millions) | 2.7216% | 5,368 |
| Cash dividends to net income (ytd only)* | 24.6305% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 2,980 |
| Loan loss allowance to noncurrent loans | 72.5962% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.0585% | 1,439 |
| Noncurrent loans to loans | 1.6054% | 1,038 |
| Net loans and leases to total assets | 54.2898% | 4,340 |
| Net loans and leases to deposits | 64.8120% | 4,272 |
| Net loans and leases to core deposits | 65.9264% | 4,420 |
| Total domestic deposits to total assets | 83.7651% | 3,291 |
| Equity capital to assets | 14.8132% | 716 |
| Core capital (leverage) ratio | 14.9197% | 637 |
| Tier 1 risk-based capital ratio | 26.5123% | 624 |
| Total risk-based capital ratio | 27.6588% | 622 |
| Memoranda: | ||
| Average total assets | $72,147,200 | 4,745 |
| Average earning assets | $64,597,600 | 4,774 |
| Average equity | $10,060,200 | 4,435 |
| Average total loans | $40,448,800 | 4,718 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 4,404 |
| Cost of funding earning assets | 0.1108% | 5,517 |
| Net interest margin | 3.5565% | 3,299 |
| Noninterest income to average assets | 1.7675% | 376 |
| Noninterest expense to average assets | 3.7924% | 675 |
| Loan and lease loss provision to assets | 0.0368% | 3,377 |
| Net operating income to assets | 0.7559% | 3,710 |
| Return on assets (ROA) | 0.7559% | 3,773 |
| Pretax return on assets | 1.1274% | 3,195 |
| Return on Equity (ROE) | 5.5048% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.5048% | 2,538 |
| Net charge-offs to loans | 0.0490% | 2,454 |
| Credit loss provision to net charge-offs | 133.3333% | 1,848 |
| Earnings coverage of net charge-offs (x) | 42.1990% | 1,248 |
| Efficiency ratio | 76.5121% | 1,518 |
| Assets per employee ($millions) | 2.8744% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 3,688 |
| Loan loss allowance to noncurrent loans | 80.1802% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1240% | 1,476 |
| Noncurrent loans to loans | 1.3306% | 1,431 |
| Net loans and leases to total assets | 55.2172% | 4,299 |
| Net loans and leases to deposits | 65.7269% | 4,272 |
| Net loans and leases to core deposits | 66.7908% | 4,438 |
| Total domestic deposits to total assets | 84.0100% | 3,120 |
| Equity capital to assets | 13.7769% | 1,053 |
| Core capital (leverage) ratio | 14.5210% | 762 |
| Tier 1 risk-based capital ratio | 24.5247% | 804 |
| Total risk-based capital ratio | 25.5862% | 795 |
| Memoranda: | ||
| Average total assets | $72,493,750 | 4,783 |
| Average earning assets | $65,006,750 | 4,814 |
| Average equity | $9,954,750 | 4,502 |
| Average total loans | $40,843,750 | 4,750 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5925% | 4,531 |
| Cost of funding earning assets | 0.1149% | 5,536 |
| Net interest margin | 3.4776% | 3,479 |
| Noninterest income to average assets | 1.8231% | 368 |
| Noninterest expense to average assets | 3.8413% | 636 |
| Loan and lease loss provision to assets | 0.0028% | 3,841 |
| Net operating income to assets | 0.7387% | 3,676 |
| Return on assets (ROA) | 0.7387% | 3,741 |
| Pretax return on assets | 1.1011% | 3,176 |
| Return on Equity (ROE) | 5.3856% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.3856% | 2,474 |
| Net charge-offs to loans | 0.0789% | 1,836 |
| Credit loss provision to net charge-offs | 6.2500% | 2,876 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,631 |
| Efficiency ratio | 77.6776% | 1,510 |
| Assets per employee ($millions) | 2.5931% | 5,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 4,000 |
| Loan loss allowance to noncurrent loans | 90.6183% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 1,488 |
| Noncurrent loans to loans | 1.1303% | 1,738 |
| Net loans and leases to total assets | 58.6589% | 3,960 |
| Net loans and leases to deposits | 70.7372% | 3,855 |
| Net loans and leases to core deposits | 71.1083% | 4,148 |
| Total domestic deposits to total assets | 82.9251% | 3,592 |
| Equity capital to assets | 14.5026% | 825 |
| Core capital (leverage) ratio | 14.7620% | 688 |
| Tier 1 risk-based capital ratio | 24.4369% | 812 |
| Total risk-based capital ratio | 25.4607% | 806 |
| Memoranda: | ||
| Average total assets | $71,747,000 | 4,828 |
| Average earning assets | $64,411,670 | 4,857 |
| Average equity | $9,841,000 | 4,534 |
| Average total loans | $40,554,670 | 4,788 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4737% | 4,767 |
| Cost of funding earning assets | 0.1162% | 5,584 |
| Net interest margin | 3.3575% | 3,810 |
| Noninterest income to average assets | 1.3166% | 591 |
| Noninterest expense to average assets | 3.7183% | 758 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4187% | 4,898 |
| Return on assets (ROA) | 0.4187% | 4,920 |
| Pretax return on assets | 0.6225% | 4,675 |
| Return on Equity (ROE) | 3.1390% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.1390% | 3,844 |
| Net charge-offs to loans | -0.0100% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6599% | 825 |
| Assets per employee ($millions) | 2.7278% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 3,657 |
| Loan loss allowance to noncurrent loans | 111.6456% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2776% | 1,335 |
| Noncurrent loans to loans | 0.9942% | 2,059 |
| Net loans and leases to total assets | 53.3462% | 4,389 |
| Net loans and leases to deposits | 64.9100% | 4,258 |
| Net loans and leases to core deposits | 65.3581% | 4,470 |
| Total domestic deposits to total assets | 82.1849% | 4,120 |
| Equity capital to assets | 13.2069% | 1,183 |
| Core capital (leverage) ratio | 13.6090% | 942 |
| Tier 1 risk-based capital ratio | 24.7578% | 796 |
| Total risk-based capital ratio | 25.8822% | 787 |
| Memoranda: | ||
| Average total assets | $72,613,000 | 4,860 |
| Average earning assets | $65,405,500 | 4,891 |
| Average equity | $9,684,500 | 4,592 |
| Average total loans | $40,084,500 | 4,847 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4124% | 4,951 |
| Cost of funding earning assets | 0.1275% | 5,571 |
| Net interest margin | 3.2849% | 4,189 |
| Noninterest income to average assets | 1.4887% | 533 |
| Noninterest expense to average assets | 3.8839% | 704 |
| Loan and lease loss provision to assets | 0.0141% | 4,101 |
| Net operating income to assets | 0.4159% | 4,890 |
| Return on assets (ROA) | 0.4159% | 4,972 |
| Pretax return on assets | 0.6062% | 4,772 |
| Return on Equity (ROE) | 3.1101% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.1101% | 3,692 |
| Net charge-offs to loans | -0.0203% | 5,130 |
| Credit loss provision to net charge-offs | -125.0000% | 4,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2285% | 806 |
| Assets per employee ($millions) | 2.8630% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 3,775 |
| Loan loss allowance to noncurrent loans | 124.6459% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.2700% | 1,404 |
| Noncurrent loans to loans | 0.8729% | 2,355 |
| Net loans and leases to total assets | 55.8826% | 4,274 |
| Net loans and leases to deposits | 65.7537% | 4,265 |
| Net loans and leases to core deposits | 66.2603% | 4,512 |
| Total domestic deposits to total assets | 84.9878% | 3,052 |
| Equity capital to assets | 13.4712% | 1,061 |
| Core capital (leverage) ratio | 13.4891% | 969 |
| Tier 1 risk-based capital ratio | 24.5053% | 816 |
| Total risk-based capital ratio | 25.6258% | 808 |
| Memoranda: | ||
| Average total assets | $70,933,400 | 4,916 |
| Average earning assets | $65,115,600 | 4,914 |
| Average equity | $9,485,200 | 4,658 |
| Average total loans | $39,407,000 | 4,895 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4255% | 4,970 |
| Cost of funding earning assets | 0.1282% | 5,628 |
| Net interest margin | 3.2974% | 4,194 |
| Noninterest income to average assets | 1.4337% | 581 |
| Noninterest expense to average assets | 3.8432% | 719 |
| Loan and lease loss provision to assets | 0.0188% | 3,870 |
| Net operating income to assets | 0.4333% | 4,924 |
| Return on assets (ROA) | 0.4333% | 5,008 |
| Pretax return on assets | 0.6255% | 4,811 |
| Return on Equity (ROE) | 3.2465% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.2465% | 3,963 |
| Net charge-offs to loans | -0.0375% | 5,258 |
| Credit loss provision to net charge-offs | -90.9091% | 4,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6423% | 848 |
| Assets per employee ($millions) | 2.8707% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 3,781 |
| Loan loss allowance to noncurrent loans | 112.4365% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.3197% | 1,447 |
| Noncurrent loans to loans | 0.9864% | 2,269 |
| Net loans and leases to total assets | 52.9208% | 4,578 |
| Net loans and leases to deposits | 61.5479% | 4,659 |
| Net loans and leases to core deposits | 62.3406% | 4,809 |
| Total domestic deposits to total assets | 85.9830% | 2,361 |
| Equity capital to assets | 12.8567% | 1,568 |
| Core capital (leverage) ratio | 13.2542% | 1,087 |
| Tier 1 risk-based capital ratio | 24.3273% | 874 |
| Total risk-based capital ratio | 25.4540% | 868 |
| Memoranda: | ||
| Average total assets | $70,773,000 | 4,958 |
| Average earning assets | $65,545,500 | 4,947 |
| Average equity | $9,446,000 | 4,712 |
| Average total loans | $39,149,250 | 4,952 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4444% | 4,992 |
| Cost of funding earning assets | 0.1308% | 5,684 |
| Net interest margin | 3.3136% | 4,181 |
| Noninterest income to average assets | 1.3557% | 621 |
| Noninterest expense to average assets | 3.8685% | 698 |
| Loan and lease loss provision to assets | 0.0288% | 3,552 |
| Net operating income to assets | 0.3684% | 5,126 |
| Return on assets (ROA) | 0.3684% | 5,216 |
| Pretax return on assets | 0.5210% | 5,092 |
| Return on Equity (ROE) | 2.7246% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.7246% | 4,174 |
| Net charge-offs to loans | -0.0309% | 5,137 |
| Credit loss provision to net charge-offs | -166.6667% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5570% | 748 |
| Assets per employee ($millions) | 2.7745% | 5,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 3,844 |
| Loan loss allowance to noncurrent loans | 108.6849% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.6363% | 1,112 |
| Noncurrent loans to loans | 1.0302% | 2,223 |
| Net loans and leases to total assets | 55.7660% | 4,339 |
| Net loans and leases to deposits | 65.4136% | 4,391 |
| Net loans and leases to core deposits | 66.5228% | 4,570 |
| Total domestic deposits to total assets | 85.2515% | 2,758 |
| Equity capital to assets | 13.6658% | 1,156 |
| Core capital (leverage) ratio | 13.6196% | 944 |
| Tier 1 risk-based capital ratio | 24.3293% | 872 |
| Total risk-based capital ratio | 25.4591% | 867 |
| Memoranda: | ||
| Average total assets | $69,484,670 | 5,035 |
| Average earning assets | $64,220,000 | 5,024 |
| Average equity | $9,396,000 | 4,756 |
| Average total loans | $38,885,000 | 5,010 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3296% | 5,264 |
| Cost of funding earning assets | 0.1364% | 5,706 |
| Net interest margin | 3.1932% | 4,604 |
| Noninterest income to average assets | 1.1503% | 831 |
| Noninterest expense to average assets | 3.7271% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2761% | 5,365 |
| Return on assets (ROA) | 0.2761% | 5,440 |
| Pretax return on assets | 0.3854% | 5,339 |
| Return on Equity (ROE) | 2.0525% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.0525% | 4,438 |
| Net charge-offs to loans | 0.0310% | 2,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,409 |
| Efficiency ratio | 90.6294% | 631 |
| Assets per employee ($millions) | 2.9279% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 4,210 |
| Loan loss allowance to noncurrent loans | 82.1569% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.5683% | 1,277 |
| Noncurrent loans to loans | 1.3050% | 1,843 |
| Net loans and leases to total assets | 55.0186% | 4,350 |
| Net loans and leases to deposits | 63.9500% | 4,445 |
| Net loans and leases to core deposits | 65.4594% | 4,579 |
| Total domestic deposits to total assets | 86.0337% | 2,656 |
| Equity capital to assets | 13.3515% | 1,243 |
| Core capital (leverage) ratio | 13.5200% | 978 |
| Tier 1 risk-based capital ratio | 24.7401% | 841 |
| Total risk-based capital ratio | 25.8538% | 836 |
| Memoranda: | ||
| Average total assets | $69,545,500 | 5,080 |
| Average earning assets | $64,512,000 | 5,062 |
| Average equity | $9,354,500 | 4,789 |
| Average total loans | $38,768,000 | 5,055 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3812% | 5,203 |
| Cost of funding earning assets | 0.1486% | 5,693 |
| Net interest margin | 3.2326% | 4,524 |
| Noninterest income to average assets | 1.2542% | 762 |
| Noninterest expense to average assets | 3.6768% | 1,007 |
| Loan and lease loss provision to assets | 0.0406% | 3,524 |
| Net operating income to assets | 0.3585% | 5,186 |
| Return on assets (ROA) | 0.3585% | 5,270 |
| Pretax return on assets | 0.5051% | 5,102 |
| Return on Equity (ROE) | 2.6868% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.6868% | 4,159 |
| Net charge-offs to loans | 0.0110% | 4,089 |
| Credit loss provision to net charge-offs | 700.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 613 |
| Efficiency ratio | 87.0746% | 901 |
| Assets per employee ($millions) | 2.8676% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 4,066 |
| Loan loss allowance to noncurrent loans | 83.7302% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.2859% | 1,656 |
| Noncurrent loans to loans | 1.3106% | 1,803 |
| Net loans and leases to total assets | 55.2643% | 4,358 |
| Net loans and leases to deposits | 64.3608% | 4,444 |
| Net loans and leases to core deposits | 66.3191% | 4,566 |
| Total domestic deposits to total assets | 85.8664% | 2,702 |
| Equity capital to assets | 13.5524% | 1,109 |
| Core capital (leverage) ratio | 13.4096% | 1,001 |
| Tier 1 risk-based capital ratio | 24.5679% | 856 |
| Total risk-based capital ratio | 25.6849% | 852 |
| Memoranda: | ||
| Average total assets | $68,891,000 | 5,111 |
| Average earning assets | $63,262,400 | 5,102 |
| Average equity | $9,193,000 | 4,802 |
| Average total loans | $36,514,600 | 5,134 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3245% | 5,367 |
| Cost of funding earning assets | 0.1478% | 5,793 |
| Net interest margin | 3.1766% | 4,753 |
| Noninterest income to average assets | 1.1609% | 889 |
| Noninterest expense to average assets | 3.6744% | 1,016 |
| Loan and lease loss provision to assets | 0.0155% | 3,960 |
| Net operating income to assets | 0.2825% | 5,508 |
| Return on assets (ROA) | 0.2825% | 5,578 |
| Pretax return on assets | 0.3812% | 5,501 |
| Return on Equity (ROE) | 2.1252% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.1252% | 4,822 |
| Net charge-offs to loans | 0.0074% | 3,906 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 102.3708% | 612 |
| Efficiency ratio | 90.2567% | 686 |
| Assets per employee ($millions) | 2.8832% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 4,422 |
| Loan loss allowance to noncurrent loans | 49.5706% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 1.6523% | 1,327 |
| Noncurrent loans to loans | 2.1394% | 1,045 |
| Net loans and leases to total assets | 52.2891% | 4,726 |
| Net loans and leases to deposits | 60.6104% | 4,809 |
| Net loans and leases to core deposits | 62.1537% | 4,931 |
| Total domestic deposits to total assets | 86.2708% | 2,397 |
| Equity capital to assets | 12.8219% | 1,547 |
| Core capital (leverage) ratio | 13.4741% | 1,025 |
| Tier 1 risk-based capital ratio | 24.2822% | 919 |
| Total risk-based capital ratio | 25.3503% | 926 |
| Memoranda: | ||
| Average total assets | $68,908,250 | 5,178 |
| Average earning assets | $63,126,500 | 5,174 |
| Average equity | $9,159,500 | 4,873 |
| Average total loans | $36,029,250 | 5,213 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3054% | 5,426 |
| Cost of funding earning assets | 0.1513% | 5,836 |
| Net interest margin | 3.1541% | 4,814 |
| Noninterest income to average assets | 1.1466% | 910 |
| Noninterest expense to average assets | 3.7258% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2417% | 5,602 |
| Return on assets (ROA) | 0.2417% | 5,673 |
| Pretax return on assets | 0.3095% | 5,647 |
| Return on Equity (ROE) | 1.7959% | 5,733 |
| Retained earnings to average equity (ytd only) | 1.7959% | 4,802 |
| Net charge-offs to loans | 0.0057% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 580 |
| Efficiency ratio | 92.3302% | 622 |
| Assets per employee ($millions) | 2.6584% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 4,488 |
| Loan loss allowance to noncurrent loans | 33.8448% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 1.8748% | 1,215 |
| Noncurrent loans to loans | 3.1622% | 603 |
| Net loans and leases to total assets | 55.2167% | 4,421 |
| Net loans and leases to deposits | 65.0437% | 4,435 |
| Net loans and leases to core deposits | 66.8738% | 4,580 |
| Total domestic deposits to total assets | 84.8917% | 3,168 |
| Equity capital to assets | 13.8053% | 1,052 |
| Core capital (leverage) ratio | 13.8671% | 880 |
| Tier 1 risk-based capital ratio | 24.3154% | 929 |
| Total risk-based capital ratio | 25.3729% | 931 |
| Memoranda: | ||
| Average total assets | $67,851,000 | 5,256 |
| Average earning assets | $62,141,670 | 5,249 |
| Average equity | $9,132,000 | 4,918 |
| Average total loans | $35,341,000 | 5,283 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2496% | 5,554 |
| Cost of funding earning assets | 0.1463% | 5,956 |
| Net interest margin | 3.1034% | 4,938 |
| Noninterest income to average assets | 1.0270% | 1,063 |
| Noninterest expense to average assets | 3.6063% | 1,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2159% | 5,642 |
| Return on assets (ROA) | 0.2159% | 5,733 |
| Pretax return on assets | 0.2684% | 5,717 |
| Return on Equity (ROE) | 1.6245% | 5,775 |
| Retained earnings to average equity (ytd only) | 1.6245% | 4,828 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0723% | 645 |
| Assets per employee ($millions) | 2.9589% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 4,327 |
| Loan loss allowance to noncurrent loans | 40.9887% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 1.5341% | 1,692 |
| Noncurrent loans to loans | 2.7779% | 831 |
| Net loans and leases to total assets | 50.7766% | 4,770 |
| Net loans and leases to deposits | 59.4205% | 4,787 |
| Net loans and leases to core deposits | 61.0401% | 4,915 |
| Total domestic deposits to total assets | 85.4529% | 3,196 |
| Equity capital to assets | 13.4347% | 1,200 |
| Core capital (leverage) ratio | 13.2272% | 1,078 |
| Tier 1 risk-based capital ratio | 24.8394% | 900 |
| Total risk-based capital ratio | 25.9274% | 901 |
| Memoranda: | ||
| Average total assets | $68,546,500 | 5,298 |
| Average earning assets | $62,899,500 | 5,282 |
| Average equity | $9,110,500 | 4,962 |
| Average total loans | $34,464,500 | 5,350 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0812% | 5,980 |
| Cost of funding earning assets | 0.1764% | 5,931 |
| Net interest margin | 2.9048% | 5,636 |
| Noninterest income to average assets | 0.8261% | 1,772 |
| Noninterest expense to average assets | 3.1928% | 2,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2459% | 5,670 |
| Return on assets (ROA) | 0.2459% | 5,723 |
| Pretax return on assets | 0.3179% | 5,667 |
| Return on Equity (ROE) | 1.9953% | 5,763 |
| Retained earnings to average equity (ytd only) | 0.3197% | 5,633 |
| Net charge-offs to loans | 0.0327% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 21.2727% | 1,685 |
| Efficiency ratio | 90.9443% | 784 |
| Assets per employee ($millions) | 3.0017% | 5,696 |
| Cash dividends to net income (ytd only)* | 83.9779% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 4,159 |
| Loan loss allowance to noncurrent loans | 37.8327% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 1.6368% | 1,647 |
| Noncurrent loans to loans | 3.0964% | 720 |
| Net loans and leases to total assets | 48.6355% | 5,106 |
| Net loans and leases to deposits | 56.3032% | 5,164 |
| Net loans and leases to core deposits | 58.3096% | 5,244 |
| Total domestic deposits to total assets | 86.3814% | 2,629 |
| Equity capital to assets | 13.1493% | 1,291 |
| Core capital (leverage) ratio | 12.8419% | 1,202 |
| Tier 1 risk-based capital ratio | 23.9819% | 962 |
| Total risk-based capital ratio | 25.0392% | 955 |
| Memoranda: | ||
| Average total assets | $73,602,600 | 5,196 |
| Average earning assets | $68,024,600 | 5,171 |
| Average equity | $9,071,200 | 4,960 |
| Average total loans | $33,643,200 | 5,410 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0182% | 6,121 |
| Cost of funding earning assets | 0.1795% | 5,996 |
| Net interest margin | 2.8387% | 5,806 |
| Noninterest income to average assets | 0.7795% | 1,970 |
| Noninterest expense to average assets | 3.0593% | 2,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2658% | 5,693 |
| Return on assets (ROA) | 0.2658% | 5,758 |
| Pretax return on assets | 0.3443% | 5,689 |
| Return on Equity (ROE) | 2.1904% | 5,792 |
| Retained earnings to average equity (ytd only) | 0.5146% | 5,660 |
| Net charge-offs to loans | 0.0159% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 48.2795% | 999 |
| Efficiency ratio | 89.8847% | 850 |
| Assets per employee ($millions) | 3.2579% | 5,315 |
| Cash dividends to net income (ytd only)* | 76.5126% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 4,334 |
| Loan loss allowance to noncurrent loans | 52.3256% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 1.1370% | 2,680 |
| Noncurrent loans to loans | 2.2575% | 1,335 |
| Net loans and leases to total assets | 45.2157% | 5,435 |
| Net loans and leases to deposits | 51.7647% | 5,542 |
| Net loans and leases to core deposits | 56.9754% | 5,392 |
| Total domestic deposits to total assets | 87.3485% | 2,124 |
| Equity capital to assets | 12.1577% | 1,940 |
| Core capital (leverage) ratio | 12.4022% | 1,460 |
| Tier 1 risk-based capital ratio | 23.6393% | 1,030 |
| Total risk-based capital ratio | 24.6970% | 1,042 |
| Memoranda: | ||
| Average total assets | $74,743,750 | 5,237 |
| Average earning assets | $69,089,750 | 5,204 |
| Average equity | $9,069,500 | 4,992 |
| Average total loans | $33,560,250 | 5,472 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9764% | 6,208 |
| Cost of funding earning assets | 0.1886% | 6,013 |
| Net interest margin | 2.7878% | 5,933 |
| Noninterest income to average assets | 0.8088% | 1,804 |
| Noninterest expense to average assets | 3.0048% | 2,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2892% | 5,607 |
| Return on assets (ROA) | 0.2892% | 5,675 |
| Pretax return on assets | 0.3776% | 5,621 |
| Return on Equity (ROE) | 2.3852% | 5,734 |
| Retained earnings to average equity (ytd only) | -0.1325% | 5,709 |
| Net charge-offs to loans | 0.0120% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 728 |
| Efficiency ratio | 88.8361% | 1,007 |
| Assets per employee ($millions) | 3.1821% | 5,458 |
| Cash dividends to net income (ytd only)* | 105.5556% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 4,282 |
| Loan loss allowance to noncurrent loans | 42.5732% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 1.3062% | 2,499 |
| Noncurrent loans to loans | 2.8860% | 1,031 |
| Net loans and leases to total assets | 44.7040% | 5,484 |
| Net loans and leases to deposits | 51.5122% | 5,529 |
| Net loans and leases to core deposits | 57.7985% | 5,287 |
| Total domestic deposits to total assets | 86.7834% | 2,588 |
| Equity capital to assets | 12.3900% | 1,711 |
| Core capital (leverage) ratio | 12.5080% | 1,387 |
| Tier 1 risk-based capital ratio | 23.8128% | 1,008 |
| Total risk-based capital ratio | 24.8883% | 1,008 |
| Memoranda: | ||
| Average total assets | $74,681,000 | 5,278 |
| Average earning assets | $68,942,670 | 5,246 |
| Average equity | $9,056,000 | 5,014 |
| Average total loans | $33,318,330 | 5,521 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9259% | 6,304 |
| Cost of funding earning assets | 0.1943% | 6,051 |
| Net interest margin | 2.7316% | 6,061 |
| Noninterest income to average assets | 0.8061% | 1,723 |
| Noninterest expense to average assets | 2.9803% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2758% | 5,582 |
| Return on assets (ROA) | 0.2758% | 5,628 |
| Pretax return on assets | 0.3606% | 5,569 |
| Return on Equity (ROE) | 2.2983% | 5,711 |
| Retained earnings to average equity (ytd only) | -0.2210% | 5,599 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2063% | 1,103 |
| Assets per employee ($millions) | 3.4302% | 5,079 |
| Cash dividends to net income (ytd only)* | 109.6154% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 4,424 |
| Loan loss allowance to noncurrent loans | 43.0526% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 1.6233% | 2,172 |
| Noncurrent loans to loans | 2.8863% | 1,129 |
| Net loans and leases to total assets | 43.0735% | 5,587 |
| Net loans and leases to deposits | 49.2664% | 5,649 |
| Net loans and leases to core deposits | 55.0270% | 5,434 |
| Total domestic deposits to total assets | 87.4298% | 2,543 |
| Equity capital to assets | 12.0097% | 1,862 |
| Core capital (leverage) ratio | 12.0347% | 1,637 |
| Tier 1 risk-based capital ratio | 23.8616% | 1,023 |
| Total risk-based capital ratio | 24.9463% | 1,028 |
| Memoranda: | ||
| Average total assets | $75,427,500 | 5,313 |
| Average earning assets | $69,994,500 | 5,273 |
| Average equity | $9,050,000 | 5,038 |
| Average total loans | $33,415,000 | 5,571 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4055% | 5,829 |
| Cost of funding earning assets | 0.2369% | 6,051 |
| Net interest margin | 3.1686% | 5,096 |
| Noninterest income to average assets | 1.0972% | 1,164 |
| Noninterest expense to average assets | 3.0288% | 2,969 |
| Loan and lease loss provision to assets | 0.0284% | 4,544 |
| Net operating income to assets | 0.6481% | 4,040 |
| Return on assets (ROA) | 0.6481% | 4,149 |
| Pretax return on assets | 0.9295% | 3,646 |
| Return on Equity (ROE) | 5.1103% | 4,573 |
| Retained earnings to average equity (ytd only) | 3.2051% | 3,955 |
| Net charge-offs to loans | 0.1674% | 3,143 |
| Credit loss provision to net charge-offs | 34.4828% | 4,157 |
| Earnings coverage of net charge-offs (x) | 11.6207% | 2,217 |
| Efficiency ratio | 75.9715% | 2,774 |
| Assets per employee ($millions) | 3.4269% | 5,030 |
| Cash dividends to net income (ytd only)* | 37.2807% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 4,629 |
| Loan loss allowance to noncurrent loans | 36.1627% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 1.8636% | 1,962 |
| Noncurrent loans to loans | 3.3347% | 970 |
| Net loans and leases to total assets | 44.4443% | 5,636 |
| Net loans and leases to deposits | 50.8599% | 5,702 |
| Net loans and leases to core deposits | 54.6946% | 5,633 |
| Total domestic deposits to total assets | 87.3858% | 2,531 |
| Equity capital to assets | 11.9868% | 1,814 |
| Core capital (leverage) ratio | 11.8768% | 1,694 |
| Tier 1 risk-based capital ratio | 23.8455% | 969 |
| Total risk-based capital ratio | 24.9322% | 973 |
| Memoranda: | ||
| Average total assets | $70,358,400 | 5,466 |
| Average earning assets | $64,161,800 | 5,458 |
| Average equity | $8,923,200 | 5,101 |
| Average total loans | $34,651,600 | 5,553 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4691% | 5,752 |
| Cost of funding earning assets | 0.2460% | 6,116 |
| Net interest margin | 3.2231% | 4,920 |
| Noninterest income to average assets | 1.0882% | 1,238 |
| Noninterest expense to average assets | 3.0139% | 2,946 |
| Loan and lease loss provision to assets | 0.0386% | 4,239 |
| Net operating income to assets | 0.6734% | 3,993 |
| Return on assets (ROA) | 0.6734% | 4,139 |
| Pretax return on assets | 0.9686% | 3,620 |
| Return on Equity (ROE) | 5.2314% | 4,609 |
| Retained earnings to average equity (ytd only) | 2.6832% | 4,710 |
| Net charge-offs to loans | 0.1378% | 3,160 |
| Credit loss provision to net charge-offs | 55.5556% | 3,386 |
| Earnings coverage of net charge-offs (x) | 14.4996% | 1,940 |
| Efficiency ratio | 74.9520% | 2,915 |
| Assets per employee ($millions) | 3.4564% | 4,936 |
| Cash dividends to net income (ytd only)* | 48.7106% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 4,309 |
| Loan loss allowance to noncurrent loans | 51.7407% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 1.5439% | 2,618 |
| Noncurrent loans to loans | 2.5423% | 1,695 |
| Net loans and leases to total assets | 42.5224% | 5,856 |
| Net loans and leases to deposits | 48.5131% | 5,929 |
| Net loans and leases to core deposits | 50.6310% | 5,977 |
| Total domestic deposits to total assets | 87.6512% | 2,326 |
| Equity capital to assets | 11.7596% | 2,075 |
| Core capital (leverage) ratio | 12.5956% | 1,370 |
| Tier 1 risk-based capital ratio | 24.1219% | 983 |
| Total risk-based capital ratio | 25.2891% | 982 |
| Memoranda: | ||
| Average total assets | $69,100,250 | 5,562 |
| Average earning assets | $62,877,750 | 5,569 |
| Average equity | $8,894,750 | 5,163 |
| Average total loans | $34,835,500 | 5,599 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5821% | 5,490 |
| Cost of funding earning assets | 0.2657% | 6,071 |
| Net interest margin | 3.3164% | 4,505 |
| Noninterest income to average assets | 1.2248% | 1,033 |
| Noninterest expense to average assets | 3.0545% | 2,820 |
| Loan and lease loss provision to assets | 0.0599% | 3,810 |
| Net operating income to assets | 0.7876% | 3,365 |
| Return on assets (ROA) | 0.7876% | 3,528 |
| Pretax return on assets | 1.1379% | 2,931 |
| Return on Equity (ROE) | 5.9241% | 4,220 |
| Retained earnings to average equity (ytd only) | 3.3788% | 4,173 |
| Net charge-offs to loans | 0.1745% | 2,725 |
| Credit loss provision to net charge-offs | 64.5161% | 2,936 |
| Earnings coverage of net charge-offs (x) | 12.9032% | 1,943 |
| Efficiency ratio | 71.8310% | 3,502 |
| Assets per employee ($millions) | 3.0484% | 5,768 |
| Cash dividends to net income (ytd only)* | 42.9658% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 4,860 |
| Loan loss allowance to noncurrent loans | 48.3370% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 1.8624% | 2,324 |
| Noncurrent loans to loans | 2.5335% | 1,825 |
| Net loans and leases to total assets | 52.4372% | 4,798 |
| Net loans and leases to deposits | 61.0358% | 4,858 |
| Net loans and leases to core deposits | 66.7927% | 4,616 |
| Total domestic deposits to total assets | 85.9122% | 3,420 |
| Equity capital to assets | 13.3557% | 1,198 |
| Core capital (leverage) ratio | 13.4825% | 983 |
| Tier 1 risk-based capital ratio | 23.9574% | 1,002 |
| Total risk-based capital ratio | 25.1305% | 995 |
| Memoranda: | ||
| Average total assets | $66,787,000 | 5,663 |
| Average earning assets | $60,969,330 | 5,664 |
| Average equity | $8,879,000 | 5,203 |
| Average total loans | $35,525,670 | 5,597 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4880% | 5,737 |
| Cost of funding earning assets | 0.2896% | 6,049 |
| Net interest margin | 3.1984% | 4,939 |
| Noninterest income to average assets | 1.2243% | 1,014 |
| Noninterest expense to average assets | 3.2469% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6182% | 4,128 |
| Return on assets (ROA) | 0.6182% | 4,286 |
| Pretax return on assets | 0.8943% | 3,785 |
| Return on Equity (ROE) | 4.6606% | 4,759 |
| Retained earnings to average equity (ytd only) | 2.1267% | 4,940 |
| Net charge-offs to loans | -0.1127% | 6,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4058% | 2,549 |
| Assets per employee ($millions) | 3.1436% | 5,740 |
| Cash dividends to net income (ytd only)* | 54.3689% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 4,797 |
| Loan loss allowance to noncurrent loans | 41.9651% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 1.8496% | 2,544 |
| Noncurrent loans to loans | 3.0504% | 1,636 |
| Net loans and leases to total assets | 53.3864% | 4,500 |
| Net loans and leases to deposits | 62.2459% | 4,507 |
| Net loans and leases to core deposits | 67.8141% | 4,325 |
| Total domestic deposits to total assets | 85.7669% | 3,655 |
| Equity capital to assets | 13.4454% | 1,231 |
| Core capital (leverage) ratio | 13.2215% | 1,039 |
| Tier 1 risk-based capital ratio | 23.0486% | 1,156 |
| Total risk-based capital ratio | 24.2517% | 1,137 |
| Memoranda: | ||
| Average total assets | $66,648,000 | 5,719 |
| Average earning assets | $60,780,000 | 5,719 |
| Average equity | $8,840,000 | 5,259 |
| Average total loans | $35,487,000 | 5,643 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 5,116 |
| Cost of funding earning assets | 0.3581% | 6,168 |
| Net interest margin | 3.6982% | 3,651 |
| Noninterest income to average assets | 1.0857% | 1,316 |
| Noninterest expense to average assets | 3.2946% | 2,355 |
| Loan and lease loss provision to assets | 0.3904% | 1,669 |
| Net operating income to assets | 0.5256% | 4,575 |
| Return on assets (ROA) | 0.5256% | 4,846 |
| Pretax return on assets | 0.7658% | 4,430 |
| Return on Equity (ROE) | 4.0123% | 5,136 |
| Retained earnings to average equity (ytd only) | 1.7425% | 4,986 |
| Net charge-offs to loans | 0.4943% | 2,261 |
| Credit loss provision to net charge-offs | 143.6464% | 1,897 |
| Earnings coverage of net charge-offs (x) | 4.2541% | 3,426 |
| Efficiency ratio | 74.0216% | 3,065 |
| Assets per employee ($millions) | 3.0582% | 5,927 |
| Cash dividends to net income (ytd only)* | 56.5714% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 4,795 |
| Loan loss allowance to noncurrent loans | 51.9767% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 1.4506% | 3,202 |
| Noncurrent loans to loans | 2.4381% | 2,176 |
| Net loans and leases to total assets | 51.7635% | 4,961 |
| Net loans and leases to deposits | 60.2929% | 4,999 |
| Net loans and leases to core deposits | 65.5653% | 4,783 |
| Total domestic deposits to total assets | 85.8534% | 3,425 |
| Equity capital to assets | 13.0854% | 1,399 |
| Core capital (leverage) ratio | 12.7980% | 1,201 |
| Tier 1 risk-based capital ratio | 23.0067% | 1,116 |
| Total risk-based capital ratio | 24.2039% | 1,102 |
| Memoranda: | ||
| Average total assets | $66,594,800 | 5,722 |
| Average earning assets | $60,597,200 | 5,723 |
| Average equity | $8,723,200 | 5,298 |
| Average total loans | $36,616,000 | 5,653 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 5,527 |
| Cost of funding earning assets | 0.3713% | 6,265 |
| Net interest margin | 3.6255% | 4,126 |
| Noninterest income to average assets | 1.3047% | 866 |
| Noninterest expense to average assets | 3.5168% | 1,719 |
| Loan and lease loss provision to assets | 0.3071% | 2,153 |
| Net operating income to assets | 0.5440% | 4,647 |
| Return on assets (ROA) | 0.5440% | 4,909 |
| Pretax return on assets | 0.7929% | 4,515 |
| Return on Equity (ROE) | 4.1517% | 5,233 |
| Retained earnings to average equity (ytd only) | 1.9763% | 5,333 |
| Net charge-offs to loans | 0.5413% | 1,978 |
| Credit loss provision to net charge-offs | 102.0000% | 2,888 |
| Earnings coverage of net charge-offs (x) | 3.6533% | 3,564 |
| Efficiency ratio | 76.1739% | 2,649 |
| Assets per employee ($millions) | 3.2281% | 5,584 |
| Cash dividends to net income (ytd only)* | 52.3995% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,047 |
| Loan loss allowance to noncurrent loans | 42.3826% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 1.7756% | 2,948 |
| Noncurrent loans to loans | 2.3784% | 2,428 |
| Net loans and leases to total assets | 51.1631% | 5,162 |
| Net loans and leases to deposits | 58.8974% | 5,324 |
| Net loans and leases to core deposits | 63.6897% | 5,189 |
| Total domestic deposits to total assets | 86.8681% | 2,758 |
| Equity capital to assets | 12.3814% | 1,975 |
| Core capital (leverage) ratio | 12.8600% | 1,247 |
| Tier 1 risk-based capital ratio | 21.9203% | 1,343 |
| Total risk-based capital ratio | 22.8689% | 1,373 |
| Memoranda: | ||
| Average total assets | $66,423,250 | 5,797 |
| Average earning assets | $60,680,000 | 5,781 |
| Average equity | $8,703,000 | 5,350 |
| Average total loans | $36,951,500 | 5,709 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1051% | 5,304 |
| Cost of funding earning assets | 0.3939% | 6,304 |
| Net interest margin | 3.7112% | 3,763 |
| Noninterest income to average assets | 1.2482% | 916 |
| Noninterest expense to average assets | 3.5629% | 1,654 |
| Loan and lease loss provision to assets | 0.2312% | 2,763 |
| Net operating income to assets | 0.5609% | 4,531 |
| Return on assets (ROA) | 0.5609% | 4,817 |
| Pretax return on assets | 0.8229% | 4,392 |
| Return on Equity (ROE) | 4.1969% | 5,179 |
| Retained earnings to average equity (ytd only) | 0.9224% | 5,703 |
| Net charge-offs to loans | 0.3240% | 2,738 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 5.7000% | 2,775 |
| Efficiency ratio | 77.1696% | 2,569 |
| Assets per employee ($millions) | 2.9570% | 6,141 |
| Cash dividends to net income (ytd only)* | 78.0220% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,167 |
| Loan loss allowance to noncurrent loans | 45.0059% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 2.0644% | 2,706 |
| Noncurrent loans to loans | 2.2200% | 2,697 |
| Net loans and leases to total assets | 58.3362% | 4,107 |
| Net loans and leases to deposits | 67.9998% | 4,204 |
| Net loans and leases to core deposits | 74.3229% | 3,980 |
| Total domestic deposits to total assets | 85.7887% | 3,465 |
| Equity capital to assets | 13.3443% | 1,371 |
| Core capital (leverage) ratio | 13.3399% | 1,041 |
| Tier 1 risk-based capital ratio | 21.7450% | 1,339 |
| Total risk-based capital ratio | 22.7313% | 1,363 |
| Memoranda: | ||
| Average total assets | $64,891,670 | 5,886 |
| Average earning assets | $58,902,330 | 5,873 |
| Average equity | $8,673,000 | 5,363 |
| Average total loans | $37,033,670 | 5,734 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 5,396 |
| Cost of funding earning assets | 0.4062% | 6,378 |
| Net interest margin | 3.7099% | 3,784 |
| Noninterest income to average assets | 1.1973% | 999 |
| Noninterest expense to average assets | 3.5858% | 1,588 |
| Loan and lease loss provision to assets | 0.0741% | 4,475 |
| Net operating income to assets | 0.6234% | 4,243 |
| Return on assets (ROA) | 0.6234% | 4,452 |
| Pretax return on assets | 0.9196% | 3,971 |
| Return on Equity (ROE) | 4.6603% | 4,951 |
| Retained earnings to average equity (ytd only) | 4.6603% | 3,772 |
| Net charge-offs to loans | 0.2309% | 2,771 |
| Credit loss provision to net charge-offs | 57.1429% | 3,167 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,054 |
| Efficiency ratio | 78.3019% | 2,455 |
| Assets per employee ($millions) | 2.9439% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 6,234 |
| Loan loss allowance to noncurrent loans | 39.4939% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 2.2790% | 2,616 |
| Noncurrent loans to loans | 2.5394% | 2,564 |
| Net loans and leases to total assets | 54.7163% | 4,600 |
| Net loans and leases to deposits | 64.0142% | 4,636 |
| Net loans and leases to core deposits | 70.4331% | 4,349 |
| Total domestic deposits to total assets | 85.4752% | 3,807 |
| Equity capital to assets | 13.4980% | 1,240 |
| Core capital (leverage) ratio | 13.2454% | 1,042 |
| Tier 1 risk-based capital ratio | 22.7630% | 1,165 |
| Total risk-based capital ratio | 23.7199% | 1,189 |
| Memoranda: | ||
| Average total assets | $64,810,500 | 5,928 |
| Average earning assets | $59,084,500 | 5,902 |
| Average equity | $8,669,000 | 5,373 |
| Average total loans | $36,384,000 | 5,802 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 5,871 |
| Cost of funding earning assets | 0.5100% | 6,485 |
| Net interest margin | 3.7543% | 4,057 |
| Noninterest income to average assets | 1.2168% | 892 |
| Noninterest expense to average assets | 3.6473% | 1,644 |
| Loan and lease loss provision to assets | 0.6138% | 1,682 |
| Net operating income to assets | 0.2418% | 5,453 |
| Return on assets (ROA) | 0.2418% | 5,599 |
| Pretax return on assets | 0.3582% | 5,409 |
| Return on Equity (ROE) | 1.8854% | 5,703 |
| Retained earnings to average equity (ytd only) | 0.1432% | 5,771 |
| Net charge-offs to loans | 1.2278% | 1,364 |
| Credit loss provision to net charge-offs | 86.0515% | 4,198 |
| Earnings coverage of net charge-offs (x) | 1.3627% | 4,749 |
| Efficiency ratio | 78.9596% | 2,458 |
| Assets per employee ($millions) | 3.2428% | 5,627 |
| Cash dividends to net income (ytd only)* | 92.4051% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 6,244 |
| Loan loss allowance to noncurrent loans | 39.6980% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 2.3128% | 2,611 |
| Noncurrent loans to loans | 2.5073% | 2,619 |
| Net loans and leases to total assets | 56.4389% | 4,632 |
| Net loans and leases to deposits | 65.5293% | 4,800 |
| Net loans and leases to core deposits | 75.0082% | 4,102 |
| Total domestic deposits to total assets | 86.1277% | 3,244 |
| Equity capital to assets | 13.2540% | 1,379 |
| Core capital (leverage) ratio | 12.8028% | 1,218 |
| Tier 1 risk-based capital ratio | 22.2944% | 1,196 |
| Total risk-based capital ratio | 23.2696% | 1,208 |
| Memoranda: | ||
| Average total assets | $65,335,400 | 5,886 |
| Average earning assets | $59,211,400 | 5,891 |
| Average equity | $8,380,400 | 5,445 |
| Average total loans | $37,955,000 | 5,787 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 6,196 |
| Cost of funding earning assets | 0.5354% | 6,561 |
| Net interest margin | 3.6670% | 4,492 |
| Noninterest income to average assets | 1.0348% | 1,261 |
| Noninterest expense to average assets | 3.5708% | 1,770 |
| Loan and lease loss provision to assets | 0.1996% | 4,026 |
| Net operating income to assets | 0.4094% | 4,955 |
| Return on assets (ROA) | 0.4094% | 5,145 |
| Pretax return on assets | 0.5846% | 4,863 |
| Return on Equity (ROE) | 3.2185% | 5,342 |
| Retained earnings to average equity (ytd only) | 0.8807% | 5,651 |
| Net charge-offs to loans | 0.5270% | 2,650 |
| Credit loss provision to net charge-offs | 64.9007% | 4,639 |
| Earnings coverage of net charge-offs (x) | 2.5496% | 3,849 |
| Efficiency ratio | 81.9925% | 1,972 |
| Assets per employee ($millions) | 3.3590% | 5,345 |
| Cash dividends to net income (ytd only)* | 72.6370% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 6,121 |
| Loan loss allowance to noncurrent loans | 30.9894% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 2.2342% | 2,856 |
| Noncurrent loans to loans | 3.3249% | 2,076 |
| Net loans and leases to total assets | 51.6076% | 5,495 |
| Net loans and leases to deposits | 59.1473% | 5,737 |
| Net loans and leases to core deposits | 63.6100% | 5,662 |
| Total domestic deposits to total assets | 87.2526% | 2,494 |
| Equity capital to assets | 11.8599% | 2,367 |
| Core capital (leverage) ratio | 12.4195% | 1,475 |
| Tier 1 risk-based capital ratio | 19.4547% | 1,826 |
| Total risk-based capital ratio | 20.3478% | 1,879 |
| Memoranda: | ||
| Average total assets | $65,455,250 | 5,932 |
| Average earning assets | $59,265,250 | 5,932 |
| Average equity | $8,326,500 | 5,505 |
| Average total loans | $38,200,750 | 5,828 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 6,003 |
| Cost of funding earning assets | 0.5787% | 6,547 |
| Net interest margin | 3.7288% | 4,125 |
| Noninterest income to average assets | 0.8469% | 1,813 |
| Noninterest expense to average assets | 3.6041% | 1,729 |
| Loan and lease loss provision to assets | 0.2133% | 3,781 |
| Net operating income to assets | 0.2949% | 5,388 |
| Return on assets (ROA) | 0.2949% | 5,527 |
| Pretax return on assets | 0.4046% | 5,381 |
| Return on Equity (ROE) | 2.2614% | 5,696 |
| Retained earnings to average equity (ytd only) | 0.3849% | 5,688 |
| Net charge-offs to loans | 0.6361% | 2,245 |
| Credit loss provision to net charge-offs | 55.2846% | 4,453 |
| Earnings coverage of net charge-offs (x) | 1.6016% | 4,088 |
| Efficiency ratio | 85.3640% | 1,666 |
| Assets per employee ($millions) | 2.9992% | 6,092 |
| Cash dividends to net income (ytd only)* | 82.9787% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 6,344 |
| Loan loss allowance to noncurrent loans | 28.7671% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 2.7705% | 2,418 |
| Noncurrent loans to loans | 3.4701% | 2,038 |
| Net loans and leases to total assets | 59.5199% | 4,368 |
| Net loans and leases to deposits | 69.3465% | 4,518 |
| Net loans and leases to core deposits | 75.3588% | 4,394 |
| Total domestic deposits to total assets | 85.8297% | 3,423 |
| Equity capital to assets | 13.2748% | 1,397 |
| Core capital (leverage) ratio | 12.9463% | 1,187 |
| Tier 1 risk-based capital ratio | 20.1547% | 1,582 |
| Total risk-based capital ratio | 21.0715% | 1,619 |
| Memoranda: | ||
| Average total assets | $63,760,330 | 6,021 |
| Average earning assets | $57,712,330 | 6,030 |
| Average equity | $8,313,330 | 5,513 |
| Average total loans | $38,673,330 | 5,860 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 6,081 |
| Cost of funding earning assets | 0.6088% | 6,580 |
| Net interest margin | 3.6664% | 4,261 |
| Noninterest income to average assets | 0.6921% | 2,620 |
| Noninterest expense to average assets | 3.5667% | 1,833 |
| Loan and lease loss provision to assets | 0.4240% | 2,069 |
| Net operating income to assets | 0.0374% | 6,264 |
| Return on assets (ROA) | 0.0374% | 6,300 |
| Pretax return on assets | 0.0062% | 6,343 |
| Return on Equity (ROE) | 0.2895% | 6,313 |
| Retained earnings to average equity (ytd only) | -3.4743% | 6,361 |
| Net charge-offs to loans | 1.2591% | 1,098 |
| Credit loss provision to net charge-offs | 55.2846% | 3,649 |
| Earnings coverage of net charge-offs (x) | 0.5610% | 4,197 |
| Efficiency ratio | 89.2356% | 1,396 |
| Assets per employee ($millions) | 2.8085% | 6,520 |
| Cash dividends to net income (ytd only)* | 1,300.0000% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 6,439 |
| Loan loss allowance to noncurrent loans | 28.5068% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 2.8439% | 2,424 |
| Noncurrent loans to loans | 3.4686% | 2,151 |
| Net loans and leases to total assets | 58.5974% | 4,531 |
| Net loans and leases to deposits | 67.8881% | 4,695 |
| Net loans and leases to core deposits | 74.2657% | 4,511 |
| Total domestic deposits to total assets | 86.3147% | 3,334 |
| Equity capital to assets | 12.7874% | 1,478 |
| Core capital (leverage) ratio | 12.7800% | 1,205 |
| Tier 1 risk-based capital ratio | 19.8007% | 1,627 |
| Total risk-based capital ratio | 20.7106% | 1,673 |
| Memoranda: | ||
| Average total assets | $64,148,500 | 6,057 |
| Average earning assets | $57,822,000 | 6,072 |
| Average equity | $8,289,500 | 5,525 |
| Average total loans | $39,077,000 | 5,890 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7556% | 5,602 |
| Cost of funding earning assets | 0.8303% | 6,442 |
| Net interest margin | 3.9253% | 3,371 |
| Noninterest income to average assets | 1.1703% | 1,078 |
| Noninterest expense to average assets | 3.5755% | 1,988 |
| Loan and lease loss provision to assets | 0.3178% | 4,268 |
| Net operating income to assets | 0.5679% | 3,812 |
| Return on assets (ROA) | 0.5679% | 3,970 |
| Pretax return on assets | 0.8022% | 3,626 |
| Return on Equity (ROE) | 4.4177% | 4,335 |
| Retained earnings to average equity (ytd only) | 2.7045% | 3,968 |
| Net charge-offs to loans | 0.5834% | 3,293 |
| Credit loss provision to net charge-offs | 83.8174% | 5,396 |
| Earnings coverage of net charge-offs (x) | 2.9544% | 3,594 |
| Efficiency ratio | 74.7404% | 3,244 |
| Assets per employee ($millions) | 2.8955% | 6,337 |
| Cash dividends to net income (ytd only)* | 38.7812% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 6,005 |
| Loan loss allowance to noncurrent loans | 51.3642% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 1.8618% | 3,540 |
| Noncurrent loans to loans | 2.1115% | 3,421 |
| Net loans and leases to total assets | 61.9949% | 4,287 |
| Net loans and leases to deposits | 72.0604% | 4,506 |
| Net loans and leases to core deposits | 79.5216% | 4,274 |
| Total domestic deposits to total assets | 86.0318% | 3,343 |
| Equity capital to assets | 13.0592% | 1,369 |
| Core capital (leverage) ratio | 12.7883% | 1,200 |
| Tier 1 risk-based capital ratio | 19.4285% | 1,611 |
| Total risk-based capital ratio | 20.4419% | 1,644 |
| Memoranda: | ||
| Average total assets | $63,571,600 | 6,075 |
| Average earning assets | $57,090,600 | 6,094 |
| Average equity | $8,171,600 | 5,660 |
| Average total loans | $41,309,400 | 5,871 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8501% | 5,469 |
| Cost of funding earning assets | 0.8674% | 6,518 |
| Net interest margin | 3.9827% | 3,178 |
| Noninterest income to average assets | 1.1541% | 1,052 |
| Noninterest expense to average assets | 3.5945% | 1,809 |
| Loan and lease loss provision to assets | 0.3924% | 3,541 |
| Net operating income to assets | 0.5351% | 4,163 |
| Return on assets (ROA) | 0.5351% | 4,334 |
| Pretax return on assets | 0.7512% | 4,077 |
| Return on Equity (ROE) | 4.1795% | 4,686 |
| Retained earnings to average equity (ytd only) | 1.9012% | 5,009 |
| Net charge-offs to loans | 0.7170% | 2,630 |
| Credit loss provision to net charge-offs | 83.4821% | 5,024 |
| Earnings coverage of net charge-offs (x) | 2.4330% | 3,958 |
| Efficiency ratio | 74.1807% | 3,294 |
| Assets per employee ($millions) | 3.1170% | 5,884 |
| Cash dividends to net income (ytd only)* | 54.5104% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 6,106 |
| Loan loss allowance to noncurrent loans | 51.6627% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 1.7324% | 3,845 |
| Noncurrent loans to loans | 2.0570% | 3,612 |
| Net loans and leases to total assets | 59.0580% | 5,096 |
| Net loans and leases to deposits | 67.7910% | 5,446 |
| Net loans and leases to core deposits | 74.4741% | 5,235 |
| Total domestic deposits to total assets | 87.1178% | 2,462 |
| Equity capital to assets | 11.9854% | 2,167 |
| Core capital (leverage) ratio | 12.7182% | 1,327 |
| Tier 1 risk-based capital ratio | 18.0923% | 2,002 |
| Total risk-based capital ratio | 19.0552% | 2,043 |
| Memoranda: | ||
| Average total assets | $63,539,000 | 6,141 |
| Average earning assets | $57,179,250 | 6,157 |
| Average equity | $8,134,750 | 5,743 |
| Average total loans | $41,655,500 | 5,933 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 5,565 |
| Cost of funding earning assets | 0.9316% | 6,460 |
| Net interest margin | 3.9314% | 3,316 |
| Noninterest income to average assets | 1.0508% | 1,215 |
| Noninterest expense to average assets | 3.5402% | 1,928 |
| Loan and lease loss provision to assets | 0.0550% | 6,408 |
| Net operating income to assets | 0.6919% | 3,435 |
| Return on assets (ROA) | 0.6919% | 3,591 |
| Pretax return on assets | 0.9893% | 3,157 |
| Return on Equity (ROE) | 5.2796% | 4,139 |
| Retained earnings to average equity (ytd only) | 1.8503% | 4,943 |
| Net charge-offs to loans | 0.2626% | 4,026 |
| Credit loss provision to net charge-offs | 30.9091% | 5,719 |
| Earnings coverage of net charge-offs (x) | 5.8727% | 2,581 |
| Efficiency ratio | 75.3879% | 3,186 |
| Assets per employee ($millions) | 2.7695% | 6,639 |
| Cash dividends to net income (ytd only)* | 64.9533% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 6,322 |
| Loan loss allowance to noncurrent loans | 121.2291% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 4,486 |
| Noncurrent loans to loans | 0.8399% | 5,601 |
| Net loans and leases to total assets | 69.2473% | 3,077 |
| Net loans and leases to deposits | 80.7236% | 3,478 |
| Net loans and leases to core deposits | 90.9289% | 3,136 |
| Total domestic deposits to total assets | 85.7832% | 3,214 |
| Equity capital to assets | 13.3699% | 1,403 |
| Core capital (leverage) ratio | 12.8485% | 1,259 |
| Tier 1 risk-based capital ratio | 18.0634% | 1,946 |
| Total risk-based capital ratio | 19.0348% | 1,977 |
| Memoranda: | ||
| Average total assets | $61,860,330 | 6,241 |
| Average earning assets | $55,604,000 | 6,258 |
| Average equity | $8,106,670 | 5,759 |
| Average total loans | $41,896,000 | 5,962 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6770% | 6,324 |
| Cost of funding earning assets | 0.9782% | 6,476 |
| Net interest margin | 3.6988% | 4,252 |
| Noninterest income to average assets | 0.9883% | 1,339 |
| Noninterest expense to average assets | 3.5041% | 1,974 |
| Loan and lease loss provision to assets | 0.0321% | 6,354 |
| Net operating income to assets | 0.5455% | 4,154 |
| Return on assets (ROA) | 0.5455% | 4,289 |
| Pretax return on assets | 0.7766% | 3,967 |
| Return on Equity (ROE) | 4.2043% | 4,802 |
| Retained earnings to average equity (ytd only) | -2.6710% | 6,320 |
| Net charge-offs to loans | 0.4719% | 2,631 |
| Credit loss provision to net charge-offs | 10.2041% | 5,044 |
| Earnings coverage of net charge-offs (x) | 2.5714% | 3,255 |
| Efficiency ratio | 79.4643% | 2,655 |
| Assets per employee ($millions) | 2.9770% | 6,265 |
| Cash dividends to net income (ytd only)* | 163.5294% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 6,332 |
| Loan loss allowance to noncurrent loans | 620.2899% | 525 |
| Noncurrent assets plus other real estate owned to assets | 1.1325% | 4,898 |
| Noncurrent loans to loans | 0.1657% | 7,004 |
| Net loans and leases to total assets | 65.9079% | 3,872 |
| Net loans and leases to deposits | 76.4236% | 4,337 |
| Net loans and leases to core deposits | 84.0277% | 4,194 |
| Total domestic deposits to total assets | 86.2403% | 3,013 |
| Equity capital to assets | 12.8895% | 1,565 |
| Core capital (leverage) ratio | 12.7025% | 1,325 |
| Tier 1 risk-based capital ratio | 17.6650% | 2,033 |
| Total risk-based capital ratio | 18.6103% | 2,090 |
| Memoranda: | ||
| Average total assets | $62,326,500 | 6,295 |
| Average earning assets | $56,018,500 | 6,328 |
| Average equity | $8,087,000 | 5,813 |
| Average total loans | $41,531,500 | 6,049 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 4,423 |
| Cost of funding earning assets | 1.3132% | 6,265 |
| Net interest margin | 4.1396% | 2,285 |
| Noninterest income to average assets | 1.4492% | 690 |
| Noninterest expense to average assets | 3.7054% | 1,903 |
| Loan and lease loss provision to assets | 0.4740% | 3,989 |
| Net operating income to assets | 0.6597% | 3,101 |
| Return on assets (ROA) | 0.6597% | 3,151 |
| Pretax return on assets | 0.9496% | 2,762 |
| Return on Equity (ROE) | 4.6706% | 3,810 |
| Retained earnings to average equity (ytd only) | -12.9801% | 6,753 |
| Net charge-offs to loans | 0.7105% | 3,053 |
| Credit loss provision to net charge-offs | 96.7320% | 5,745 |
| Earnings coverage of net charge-offs (x) | 2.9052% | 3,629 |
| Efficiency ratio | 70.6525% | 4,499 |
| Assets per employee ($millions) | 2.9589% | 6,324 |
| Cash dividends to net income (ytd only)* | 377.9126% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 5,694 |
| Loan loss allowance to noncurrent loans | 458.2524% | 727 |
| Noncurrent assets plus other real estate owned to assets | 1.3374% | 4,421 |
| Noncurrent loans to loans | 0.2486% | 6,802 |
| Net loans and leases to total assets | 65.9189% | 4,169 |
| Net loans and leases to deposits | 76.5136% | 4,654 |
| Net loans and leases to core deposits | 95.0282% | 4,566 |
| Total domestic deposits to total assets | 86.1532% | 2,931 |
| Equity capital to assets | 13.0615% | 1,488 |
| Core capital (leverage) ratio | 12.7371% | 1,334 |
| Tier 1 risk-based capital ratio | 17.6035% | 1,997 |
| Total risk-based capital ratio | 18.6339% | 2,017 |
| Memoranda: | ||
| Average total assets | $62,449,600 | 6,256 |
| Average earning assets | $55,512,200 | 6,315 |
| Average equity | $8,821,200 | 5,660 |
| Average total loans | $43,069,800 | 5,975 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5633% | 4,077 |
| Cost of funding earning assets | 1.3590% | 6,371 |
| Net interest margin | 4.2043% | 2,045 |
| Noninterest income to average assets | 1.4521% | 704 |
| Noninterest expense to average assets | 3.6932% | 1,836 |
| Loan and lease loss provision to assets | 0.2815% | 4,726 |
| Net operating income to assets | 0.8337% | 2,686 |
| Return on assets (ROA) | 0.8337% | 2,743 |
| Pretax return on assets | 1.2112% | 2,228 |
| Return on Equity (ROE) | 5.7941% | 3,609 |
| Retained earnings to average equity (ytd only) | -4.7864% | 6,224 |
| Net charge-offs to loans | 0.5090% | 3,186 |
| Credit loss provision to net charge-offs | 79.5181% | 5,776 |
| Earnings coverage of net charge-offs (x) | 4.2168% | 3,211 |
| Efficiency ratio | 69.6546% | 4,659 |
| Assets per employee ($millions) | 3.0267% | 6,091 |
| Cash dividends to net income (ytd only)* | 182.6095% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 6,078 |
| Loan loss allowance to noncurrent loans | 97.3913% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.4207% | 4,264 |
| Noncurrent loans to loans | 1.0649% | 5,185 |
| Net loans and leases to total assets | 64.1963% | 4,824 |
| Net loans and leases to deposits | 74.6933% | 5,263 |
| Net loans and leases to core deposits | 92.3660% | 5,201 |
| Total domestic deposits to total assets | 85.9464% | 2,722 |
| Equity capital to assets | 13.3658% | 1,548 |
| Core capital (leverage) ratio | 13.6258% | 1,196 |
| Tier 1 risk-based capital ratio | 16.3792% | 2,480 |
| Total risk-based capital ratio | 17.2154% | 2,576 |
| Memoranda: | ||
| Average total assets | $62,527,750 | 6,296 |
| Average earning assets | $55,529,250 | 6,359 |
| Average equity | $8,997,500 | 5,662 |
| Average total loans | $43,479,250 | 5,998 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9333% | 2,443 |
| Cost of funding earning assets | 1.4094% | 6,445 |
| Net interest margin | 4.5239% | 1,112 |
| Noninterest income to average assets | 1.7001% | 506 |
| Noninterest expense to average assets | 3.7924% | 1,670 |
| Loan and lease loss provision to assets | 0.3531% | 3,809 |
| Net operating income to assets | 1.0985% | 1,777 |
| Return on assets (ROA) | 1.0985% | 1,854 |
| Pretax return on assets | 1.6052% | 1,191 |
| Return on Equity (ROE) | 7.4419% | 3,012 |
| Retained earnings to average equity (ytd only) | -8.3721% | 6,711 |
| Net charge-offs to loans | 0.2892% | 3,747 |
| Credit loss provision to net charge-offs | 171.4286% | 2,681 |
| Earnings coverage of net charge-offs (x) | 9.5079% | 2,120 |
| Efficiency ratio | 64.4684% | 5,811 |
| Assets per employee ($millions) | 2.8221% | 6,576 |
| Cash dividends to net income (ytd only)* | 212.5000% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 4,933 |
| Loan loss allowance to noncurrent loans | 48.5267% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 2.5803% | 2,497 |
| Noncurrent loans to loans | 2.4744% | 2,928 |
| Net loans and leases to total assets | 69.8423% | 3,741 |
| Net loans and leases to deposits | 82.5019% | 4,138 |
| Net loans and leases to core deposits | 100.2474% | 4,487 |
| Total domestic deposits to total assets | 84.6554% | 3,419 |
| Equity capital to assets | 14.3798% | 1,199 |
| Core capital (leverage) ratio | 14.1816% | 1,099 |
| Tier 1 risk-based capital ratio | 18.7713% | 1,824 |
| Total risk-based capital ratio | 19.8912% | 1,807 |
| Memoranda: | ||
| Average total assets | $61,174,330 | 6,403 |
| Average earning assets | $54,775,330 | 6,438 |
| Average equity | $9,030,000 | 5,678 |
| Average total loans | $43,574,000 | 6,041 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4345% | 985 |
| Cost of funding earning assets | 1.4701% | 6,502 |
| Net interest margin | 4.9644% | 441 |
| Noninterest income to average assets | 2.2596% | 294 |
| Noninterest expense to average assets | 3.9856% | 1,200 |
| Loan and lease loss provision to assets | 0.4611% | 2,625 |
| Net operating income to assets | 1.5284% | 890 |
| Return on assets (ROA) | 1.5284% | 963 |
| Pretax return on assets | 2.2399% | 402 |
| Return on Equity (ROE) | 10.2191% | 2,231 |
| Retained earnings to average equity (ytd only) | -16.7382% | 7,521 |
| Net charge-offs to loans | 0.2395% | 3,207 |
| Credit loss provision to net charge-offs | 269.2308% | 1,766 |
| Earnings coverage of net charge-offs (x) | 15.7692% | 1,587 |
| Efficiency ratio | 58.3251% | 6,645 |
| Assets per employee ($millions) | 2.9369% | 6,328 |
| Cash dividends to net income (ytd only)* | 263.7931% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 4,653 |
| Loan loss allowance to noncurrent loans | 31.1981% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 3.4585% | 1,558 |
| Noncurrent loans to loans | 3.9153% | 1,557 |
| Net loans and leases to total assets | 68.9680% | 3,925 |
| Net loans and leases to deposits | 81.4413% | 4,380 |
| Net loans and leases to core deposits | 98.1404% | 4,725 |
| Total domestic deposits to total assets | 84.6842% | 3,377 |
| Equity capital to assets | 14.4418% | 1,249 |
| Core capital (leverage) ratio | 14.4548% | 1,095 |
| Tier 1 risk-based capital ratio | 17.9531% | 2,068 |
| Total risk-based capital ratio | 19.0240% | 2,054 |
| Memoranda: | ||
| Average total assets | $60,718,000 | 6,448 |
| Average earning assets | $54,146,000 | 6,493 |
| Average equity | $9,081,000 | 5,677 |
| Average total loans | $43,416,000 | 6,076 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9657% | 5,725 |
| Cost of funding earning assets | 1.7978% | 7,013 |
| Net interest margin | 4.1679% | 2,441 |
| Noninterest income to average assets | 0.8882% | 2,009 |
| Noninterest expense to average assets | 3.6181% | 2,101 |
| Loan and lease loss provision to assets | 0.9583% | 1,539 |
| Net operating income to assets | 0.0909% | 6,131 |
| Return on assets (ROA) | 0.0909% | 5,975 |
| Pretax return on assets | 0.0973% | 5,950 |
| Return on Equity (ROE) | 0.6070% | 6,034 |
| Retained earnings to average equity (ytd only) | -2.4598% | 5,989 |
| Net charge-offs to loans | 1.3013% | 921 |
| Credit loss provision to net charge-offs | 106.1837% | 5,044 |
| Earnings coverage of net charge-offs (x) | 1.1696% | 5,540 |
| Efficiency ratio | 75.6738% | 3,287 |
| Assets per employee ($millions) | 2.8458% | 6,460 |
| Cash dividends to net income (ytd only)* | 505.2632% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 5,277 |
| Loan loss allowance to noncurrent loans | 27.0331% | 6,890 |
| Noncurrent assets plus other real estate owned to assets | 3.6579% | 1,197 |
| Noncurrent loans to loans | 4.0736% | 1,203 |
| Net loans and leases to total assets | 72.4352% | 3,495 |
| Net loans and leases to deposits | 86.4015% | 4,055 |
| Net loans and leases to core deposits | 104.9635% | 4,300 |
| Total domestic deposits to total assets | 83.8356% | 3,406 |
| Equity capital to assets | 15.4867% | 1,049 |
| Core capital (leverage) ratio | 14.9182% | 1,057 |
| Tier 1 risk-based capital ratio | 17.6252% | 2,140 |
| Total risk-based capital ratio | 18.5501% | 2,183 |
| Memoranda: | ||
| Average total assets | $62,712,400 | 6,290 |
| Average earning assets | $56,959,400 | 6,304 |
| Average equity | $9,391,000 | 5,608 |
| Average total loans | $43,496,200 | 6,004 |