Home > Dairyland State Bank > Performance and Condition Ratios
Dairyland State Bank, Performance and Condition Ratios
| 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 | 4.2021% | 3,104 |
| Cost of funding earning assets | 0.3338% | 4,176 |
| Net interest margin | 3.8683% | 2,321 |
| Noninterest income to average assets | 0.4438% | 3,196 |
| Noninterest expense to average assets | 3.0811% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0067% | 2,986 |
| Return on assets (ROA) | 1.0067% | 2,986 |
| Pretax return on assets | 1.0067% | 3,640 |
| Return on Equity (ROE) | 9.5948% | 2,758 |
| Retained earnings to average equity (ytd only) | 6.4529% | 2,330 |
| Net charge-offs to loans | 0.0225% | 2,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 66.1667% | 944 |
| Efficiency ratio | 75.3722% | 1,509 |
| Assets per employee ($millions) | 3.0683% | 5,054 |
| Cash dividends to net income (ytd only)* | 32.7456% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,335 |
| Loan loss allowance to noncurrent loans | 246.0674% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 2,993 |
| Noncurrent loans to loans | 0.5153% | 2,873 |
| Net loans and leases to total assets | 64.1271% | 3,382 |
| Net loans and leases to deposits | 71.8168% | 3,727 |
| Net loans and leases to core deposits | 72.2367% | 3,992 |
| Total domestic deposits to total assets | 89.2925% | 821 |
| Equity capital to assets | 10.5132% | 3,100 |
| Core capital (leverage) ratio | 10.1041% | 3,473 |
| Tier 1 risk-based capital ratio | 15.7446% | 2,537 |
| Total risk-based capital ratio | 16.9950% | 2,480 |
| Memoranda: | ||
| Average total assets | $78,867,670 | 4,538 |
| Average earning assets | $74,295,670 | 4,499 |
| Average equity | $8,275,330 | 4,650 |
| Average total loans | $53,325,330 | 4,320 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0541% | 3,396 |
| Cost of funding earning assets | 0.3306% | 4,131 |
| Net interest margin | 3.7235% | 2,716 |
| Noninterest income to average assets | 0.4030% | 3,447 |
| Noninterest expense to average assets | 3.1984% | 1,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7040% | 4,085 |
| Return on assets (ROA) | 0.7040% | 4,092 |
| Pretax return on assets | 0.7091% | 4,415 |
| Return on Equity (ROE) | 6.7157% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.7157% | 2,404 |
| Net charge-offs to loans | 0.0148% | 2,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 778 |
| Efficiency ratio | 81.8538% | 959 |
| Assets per employee ($millions) | 2.5894% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,646 |
| Loan loss allowance to noncurrent loans | 93.4936% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 1,556 |
| Noncurrent loans to loans | 1.3133% | 1,356 |
| Net loans and leases to total assets | 68.4505% | 2,708 |
| Net loans and leases to deposits | 76.7764% | 3,135 |
| Net loans and leases to core deposits | 77.2381% | 3,556 |
| Total domestic deposits to total assets | 89.1556% | 1,024 |
| Equity capital to assets | 10.6397% | 2,935 |
| Core capital (leverage) ratio | 9.8457% | 3,714 |
| Tier 1 risk-based capital ratio | 14.9629% | 2,883 |
| Total risk-based capital ratio | 16.2114% | 2,815 |
| Memoranda: | ||
| Average total assets | $78,413,500 | 4,597 |
| Average earning assets | $73,802,000 | 4,557 |
| Average equity | $8,219,500 | 4,711 |
| Average total loans | $54,080,500 | 4,346 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 2,326 |
| Cost of funding earning assets | 0.3226% | 3,929 |
| Net interest margin | 3.9791% | 1,813 |
| Noninterest income to average assets | 0.4933% | 3,040 |
| Noninterest expense to average assets | 3.4765% | 1,075 |
| Loan and lease loss provision to assets | 0.0013% | 4,213 |
| Net operating income to assets | 0.7387% | 3,434 |
| Return on assets (ROA) | 0.7387% | 3,479 |
| Pretax return on assets | 0.7426% | 4,406 |
| Return on Equity (ROE) | 6.9303% | 3,315 |
| Retained earnings to average equity (ytd only) | 0.0848% | 4,972 |
| Net charge-offs to loans | 0.0676% | 2,494 |
| Credit loss provision to net charge-offs | 2.5641% | 3,700 |
| Earnings coverage of net charge-offs (x) | 14.7692% | 2,304 |
| Efficiency ratio | 82.3745% | 903 |
| Assets per employee ($millions) | 2.9313% | 5,246 |
| Cash dividends to net income (ytd only)* | 98.7762% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,662 |
| Loan loss allowance to noncurrent loans | 153.4722% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 2,214 |
| Noncurrent loans to loans | 0.7952% | 2,226 |
| Net loans and leases to total assets | 67.8038% | 2,850 |
| Net loans and leases to deposits | 75.7602% | 3,353 |
| Net loans and leases to core deposits | 76.2056% | 3,725 |
| Total domestic deposits to total assets | 89.4979% | 778 |
| Equity capital to assets | 10.3277% | 3,353 |
| Core capital (leverage) ratio | 9.7182% | 3,785 |
| Tier 1 risk-based capital ratio | 14.7411% | 2,968 |
| Total risk-based capital ratio | 15.9912% | 2,906 |
| Memoranda: | ||
| Average total assets | $77,433,800 | 4,636 |
| Average earning assets | $72,528,200 | 4,610 |
| Average equity | $8,253,600 | 4,744 |
| Average total loans | $57,714,600 | 4,253 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 2,189 |
| Cost of funding earning assets | 0.3175% | 3,955 |
| Net interest margin | 4.0097% | 1,667 |
| Noninterest income to average assets | 0.4675% | 3,235 |
| Noninterest expense to average assets | 3.4732% | 1,034 |
| Loan and lease loss provision to assets | 0.0017% | 4,067 |
| Net operating income to assets | 0.7480% | 3,748 |
| Return on assets (ROA) | 0.7480% | 3,807 |
| Pretax return on assets | 0.7532% | 4,473 |
| Return on Equity (ROE) | 6.9619% | 3,680 |
| Retained earnings to average equity (ytd only) | 1.0797% | 4,953 |
| Net charge-offs to loans | -0.0023% | 4,333 |
| Credit loss provision to net charge-offs | -100.0000% | 4,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1458% | 903 |
| Assets per employee ($millions) | 2.7011% | 5,437 |
| Cash dividends to net income (ytd only)* | 84.4893% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 2,750 |
| Loan loss allowance to noncurrent loans | 167.7804% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 2,561 |
| Noncurrent loans to loans | 0.7324% | 2,526 |
| Net loans and leases to total assets | 72.1413% | 2,236 |
| Net loans and leases to deposits | 80.9028% | 2,887 |
| Net loans and leases to core deposits | 81.3852% | 3,341 |
| Total domestic deposits to total assets | 89.1703% | 794 |
| Equity capital to assets | 10.5514% | 3,310 |
| Core capital (leverage) ratio | 10.0919% | 3,453 |
| Tier 1 risk-based capital ratio | 14.2304% | 3,338 |
| Total risk-based capital ratio | 15.4794% | 3,238 |
| Memoranda: | ||
| Average total assets | $77,005,750 | 4,694 |
| Average earning assets | $72,224,000 | 4,664 |
| Average equity | $8,273,500 | 4,787 |
| Average total loans | $58,561,500 | 4,275 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3475% | 1,982 |
| Cost of funding earning assets | 0.3177% | 3,901 |
| Net interest margin | 4.0298% | 1,517 |
| Noninterest income to average assets | 0.5042% | 3,001 |
| Noninterest expense to average assets | 3.4716% | 1,051 |
| Loan and lease loss provision to assets | 0.0026% | 3,844 |
| Net operating income to assets | 0.8019% | 3,392 |
| Return on assets (ROA) | 0.8019% | 3,453 |
| Pretax return on assets | 0.8072% | 4,242 |
| Return on Equity (ROE) | 7.4187% | 3,330 |
| Retained earnings to average equity (ytd only) | 1.6191% | 4,608 |
| Net charge-offs to loans | -0.0034% | 4,252 |
| Credit loss provision to net charge-offs | -100.0000% | 4,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0860% | 1,101 |
| Assets per employee ($millions) | 2.5920% | 5,514 |
| Cash dividends to net income (ytd only)* | 78.1759% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,870 |
| Loan loss allowance to noncurrent loans | 115.4351% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.9259% | 1,900 |
| Noncurrent loans to loans | 1.0606% | 1,854 |
| Net loans and leases to total assets | 75.4586% | 1,618 |
| Net loans and leases to deposits | 85.0018% | 2,352 |
| Net loans and leases to core deposits | 85.5273% | 2,931 |
| Total domestic deposits to total assets | 88.7730% | 1,068 |
| Equity capital to assets | 11.0181% | 2,785 |
| Core capital (leverage) ratio | 10.3391% | 3,089 |
| Tier 1 risk-based capital ratio | 13.9463% | 3,453 |
| Total risk-based capital ratio | 15.1957% | 3,375 |
| Memoranda: | ||
| Average total assets | $76,564,000 | 4,735 |
| Average earning assets | $71,765,330 | 4,702 |
| Average equity | $8,276,330 | 4,810 |
| Average total loans | $59,011,330 | 4,291 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 1,791 |
| Cost of funding earning assets | 0.3097% | 3,942 |
| Net interest margin | 4.0487% | 1,350 |
| Noninterest income to average assets | 0.5436% | 2,690 |
| Noninterest expense to average assets | 3.4376% | 1,134 |
| Loan and lease loss provision to assets | 0.0052% | 3,492 |
| Net operating income to assets | 0.8801% | 2,859 |
| Return on assets (ROA) | 0.8801% | 2,910 |
| Pretax return on assets | 0.8905% | 3,807 |
| Return on Equity (ROE) | 8.2190% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.2190% | 1,366 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3309% | 1,449 |
| Assets per employee ($millions) | 2.6007% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 3,179 |
| Loan loss allowance to noncurrent loans | 106.6869% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9891% | 1,850 |
| Noncurrent loans to loans | 1.1181% | 1,827 |
| Net loans and leases to total assets | 77.0992% | 1,256 |
| Net loans and leases to deposits | 86.9141% | 1,922 |
| Net loans and leases to core deposits | 87.4513% | 2,596 |
| Total domestic deposits to total assets | 88.7074% | 1,314 |
| Equity capital to assets | 11.0884% | 2,545 |
| Core capital (leverage) ratio | 9.9936% | 3,506 |
| Tier 1 risk-based capital ratio | 13.8084% | 3,598 |
| Total risk-based capital ratio | 15.0488% | 3,513 |
| Memoranda: | ||
| Average total assets | $77,262,500 | 4,766 |
| Average earning assets | $72,319,000 | 4,737 |
| Average equity | $8,273,500 | 4,847 |
| Average total loans | $59,805,500 | 4,309 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 2,058 |
| Cost of funding earning assets | 0.2748% | 4,312 |
| Net interest margin | 4.0512% | 1,491 |
| Noninterest income to average assets | 0.5489% | 2,922 |
| Noninterest expense to average assets | 3.4615% | 1,231 |
| Loan and lease loss provision to assets | 0.0651% | 3,067 |
| Net operating income to assets | 0.8055% | 3,280 |
| Return on assets (ROA) | 0.8141% | 3,351 |
| Pretax return on assets | 0.8141% | 4,147 |
| Return on Equity (ROE) | 7.9477% | 2,969 |
| Retained earnings to average equity (ytd only) | 0.3596% | 5,175 |
| Net charge-offs to loans | 0.0565% | 2,922 |
| Credit loss provision to net charge-offs | 151.4286% | 1,805 |
| Earnings coverage of net charge-offs (x) | 20.2571% | 1,861 |
| Efficiency ratio | 79.9036% | 1,431 |
| Assets per employee ($millions) | 2.7277% | 5,543 |
| Cash dividends to net income (ytd only)* | 95.4751% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 3,408 |
| Loan loss allowance to noncurrent loans | 145.4357% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.7724% | 2,419 |
| Noncurrent loans to loans | 0.7933% | 2,533 |
| Net loans and leases to total assets | 75.9241% | 1,525 |
| Net loans and leases to deposits | 84.8303% | 2,329 |
| Net loans and leases to core deposits | 87.6045% | 2,713 |
| Total domestic deposits to total assets | 89.5012% | 860 |
| Equity capital to assets | 10.3459% | 3,333 |
| Core capital (leverage) ratio | 9.6130% | 3,948 |
| Tier 1 risk-based capital ratio | 13.0825% | 4,012 |
| Total risk-based capital ratio | 14.2820% | 3,959 |
| Memoranda: | ||
| Average total assets | $81,439,400 | 4,710 |
| Average earning assets | $76,051,400 | 4,676 |
| Average equity | $8,342,000 | 4,877 |
| Average total loans | $61,902,800 | 4,232 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 2,129 |
| Cost of funding earning assets | 0.2751% | 4,336 |
| Net interest margin | 4.0362% | 1,564 |
| Noninterest income to average assets | 0.4226% | 3,748 |
| Noninterest expense to average assets | 3.3925% | 1,355 |
| Loan and lease loss provision to assets | 0.0341% | 3,550 |
| Net operating income to assets | 0.7656% | 3,531 |
| Return on assets (ROA) | 0.7770% | 3,617 |
| Pretax return on assets | 0.7754% | 4,394 |
| Return on Equity (ROE) | 7.6039% | 3,238 |
| Retained earnings to average equity (ytd only) | 0.7159% | 5,172 |
| Net charge-offs to loans | -0.0343% | 5,214 |
| Credit loss provision to net charge-offs | -131.2500% | 4,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9542% | 1,306 |
| Assets per employee ($millions) | 2.6513% | 5,641 |
| Cash dividends to net income (ytd only)* | 90.5856% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 3,272 |
| Loan loss allowance to noncurrent loans | 119.2053% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 2,291 |
| Noncurrent loans to loans | 1.0025% | 2,239 |
| Net loans and leases to total assets | 72.4306% | 2,126 |
| Net loans and leases to deposits | 80.8843% | 2,870 |
| Net loans and leases to core deposits | 85.3330% | 3,006 |
| Total domestic deposits to total assets | 89.5485% | 652 |
| Equity capital to assets | 10.1778% | 3,948 |
| Core capital (leverage) ratio | 9.4192% | 4,299 |
| Tier 1 risk-based capital ratio | 12.7803% | 4,288 |
| Total risk-based capital ratio | 13.9816% | 4,234 |
| Memoranda: | ||
| Average total assets | $82,023,250 | 4,732 |
| Average earning assets | $76,572,250 | 4,699 |
| Average equity | $8,381,500 | 4,916 |
| Average total loans | $62,188,500 | 4,253 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 2,123 |
| Cost of funding earning assets | 0.2772% | 4,377 |
| Net interest margin | 4.0331% | 1,540 |
| Noninterest income to average assets | 0.4416% | 3,581 |
| Noninterest expense to average assets | 3.2842% | 1,625 |
| Loan and lease loss provision to assets | 0.0439% | 3,272 |
| Net operating income to assets | 0.8760% | 2,982 |
| Return on assets (ROA) | 0.8930% | 3,018 |
| Pretax return on assets | 0.8930% | 3,976 |
| Return on Equity (ROE) | 8.7278% | 2,621 |
| Retained earnings to average equity (ytd only) | 1.2162% | 4,895 |
| Net charge-offs to loans | -0.0509% | 5,376 |
| Credit loss provision to net charge-offs | -112.5000% | 4,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1196% | 1,772 |
| Assets per employee ($millions) | 2.4417% | 5,815 |
| Cash dividends to net income (ytd only)* | 86.0656% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 3,643 |
| Loan loss allowance to noncurrent loans | 90.4161% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 1,513 |
| Noncurrent loans to loans | 1.2723% | 1,785 |
| Net loans and leases to total assets | 76.4647% | 1,416 |
| Net loans and leases to deposits | 85.6069% | 2,296 |
| Net loans and leases to core deposits | 91.0923% | 2,427 |
| Total domestic deposits to total assets | 89.3208% | 753 |
| Equity capital to assets | 10.4658% | 3,673 |
| Core capital (leverage) ratio | 9.4260% | 4,300 |
| Tier 1 risk-based capital ratio | 12.5752% | 4,463 |
| Total risk-based capital ratio | 13.7513% | 4,435 |
| Memoranda: | ||
| Average total assets | $81,968,000 | 4,772 |
| Average earning assets | $76,466,670 | 4,748 |
| Average equity | $8,387,000 | 4,948 |
| Average total loans | $62,834,670 | 4,261 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 2,254 |
| Cost of funding earning assets | 0.2695% | 4,507 |
| Net interest margin | 3.9953% | 1,626 |
| Noninterest income to average assets | 0.4016% | 3,816 |
| Noninterest expense to average assets | 3.2082% | 1,822 |
| Loan and lease loss provision to assets | 0.0484% | 2,956 |
| Net operating income to assets | 0.8758% | 2,872 |
| Return on assets (ROA) | 0.9097% | 2,823 |
| Pretax return on assets | 0.9097% | 3,802 |
| Return on Equity (ROE) | 8.9909% | 2,430 |
| Retained earnings to average equity (ytd only) | 8.9909% | 1,121 |
| Net charge-offs to loans | -0.0824% | 5,560 |
| Credit loss provision to net charge-offs | -76.9231% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6347% | 1,954 |
| Assets per employee ($millions) | 2.5702% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 4,025 |
| Loan loss allowance to noncurrent loans | 143.4959% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9897% | 2,232 |
| Noncurrent loans to loans | 0.7700% | 2,914 |
| Net loans and leases to total assets | 76.8296% | 1,274 |
| Net loans and leases to deposits | 87.4650% | 1,889 |
| Net loans and leases to core deposits | 90.7407% | 2,300 |
| Total domestic deposits to total assets | 87.8403% | 1,730 |
| Equity capital to assets | 10.3311% | 3,707 |
| Core capital (leverage) ratio | 9.4006% | 4,347 |
| Tier 1 risk-based capital ratio | 12.4752% | 4,594 |
| Total risk-based capital ratio | 13.6040% | 4,587 |
| Memoranda: | ||
| Average total assets | $82,663,500 | 4,796 |
| Average earning assets | $77,191,000 | 4,763 |
| Average equity | $8,364,000 | 4,988 |
| Average total loans | $63,087,000 | 4,285 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 2,354 |
| Cost of funding earning assets | 0.2672% | 4,618 |
| Net interest margin | 3.9917% | 1,741 |
| Noninterest income to average assets | 0.4080% | 3,978 |
| Noninterest expense to average assets | 3.2817% | 1,758 |
| Loan and lease loss provision to assets | 0.0420% | 3,496 |
| Net operating income to assets | 0.7811% | 3,416 |
| Return on assets (ROA) | 0.7811% | 3,489 |
| Pretax return on assets | 0.7943% | 4,209 |
| Return on Equity (ROE) | 7.8417% | 3,045 |
| Retained earnings to average equity (ytd only) | 0.5541% | 5,296 |
| Net charge-offs to loans | 0.1642% | 1,726 |
| Credit loss provision to net charge-offs | 34.3137% | 3,596 |
| Earnings coverage of net charge-offs (x) | 6.8333% | 3,165 |
| Efficiency ratio | 79.5746% | 1,733 |
| Assets per employee ($millions) | 2.6800% | 5,784 |
| Cash dividends to net income (ytd only)* | 92.9339% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 4,079 |
| Loan loss allowance to noncurrent loans | 310.0000% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.5946% | 3,301 |
| Noncurrent loans to loans | 0.3533% | 4,195 |
| Net loans and leases to total assets | 74.1406% | 1,703 |
| Net loans and leases to deposits | 82.4336% | 2,536 |
| Net loans and leases to core deposits | 87.0443% | 2,692 |
| Total domestic deposits to total assets | 89.9398% | 655 |
| Equity capital to assets | 9.9073% | 4,064 |
| Core capital (leverage) ratio | 9.2363% | 4,568 |
| Tier 1 risk-based capital ratio | 12.4298% | 4,680 |
| Total risk-based capital ratio | 13.5429% | 4,661 |
| Memoranda: | ||
| Average total assets | $83,340,200 | 4,804 |
| Average earning assets | $77,461,400 | 4,776 |
| Average equity | $8,301,800 | 5,003 |
| Average total loans | $62,103,800 | 4,317 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2481% | 2,411 |
| Cost of funding earning assets | 0.2686% | 4,677 |
| Net interest margin | 3.9795% | 1,771 |
| Noninterest income to average assets | 0.4412% | 3,782 |
| Noninterest expense to average assets | 3.2499% | 1,827 |
| Loan and lease loss provision to assets | 0.0384% | 3,439 |
| Net operating income to assets | 0.8361% | 3,242 |
| Return on assets (ROA) | 0.8361% | 3,326 |
| Pretax return on assets | 0.8472% | 4,184 |
| Return on Equity (ROE) | 8.3818% | 2,886 |
| Retained earnings to average equity (ytd only) | 2.5321% | 4,611 |
| Net charge-offs to loans | -0.0021% | 4,709 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4306% | 1,898 |
| Assets per employee ($millions) | 2.5267% | 5,949 |
| Cash dividends to net income (ytd only)* | 69.7886% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 3,456 |
| Loan loss allowance to noncurrent loans | 184.5238% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.8791% | 2,681 |
| Noncurrent loans to loans | 0.6695% | 3,323 |
| Net loans and leases to total assets | 74.3047% | 1,678 |
| Net loans and leases to deposits | 82.8643% | 2,544 |
| Net loans and leases to core deposits | 88.7774% | 2,578 |
| Total domestic deposits to total assets | 89.6703% | 703 |
| Equity capital to assets | 10.0718% | 4,078 |
| Core capital (leverage) ratio | 9.3859% | 4,461 |
| Tier 1 risk-based capital ratio | 12.4464% | 4,796 |
| Total risk-based capital ratio | 13.6948% | 4,701 |
| Memoranda: | ||
| Average total assets | $83,405,250 | 4,859 |
| Average earning assets | $77,429,000 | 4,834 |
| Average equity | $8,319,500 | 5,066 |
| Average total loans | $62,060,250 | 4,358 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 2,408 |
| Cost of funding earning assets | 0.2717% | 4,696 |
| Net interest margin | 3.9640% | 1,764 |
| Noninterest income to average assets | 0.4388% | 3,781 |
| Noninterest expense to average assets | 3.1386% | 2,146 |
| Loan and lease loss provision to assets | 0.0432% | 3,245 |
| Net operating income to assets | 0.9207% | 2,780 |
| Return on assets (ROA) | 0.9207% | 2,907 |
| Pretax return on assets | 0.9303% | 3,847 |
| Return on Equity (ROE) | 9.2605% | 2,404 |
| Retained earnings to average equity (ytd only) | 2.7492% | 4,304 |
| Net charge-offs to loans | 0.0032% | 3,791 |
| Credit loss provision to net charge-offs | 1,800.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 406.0000% | 162 |
| Efficiency ratio | 76.0933% | 2,338 |
| Assets per employee ($millions) | 2.4875% | 6,036 |
| Cash dividends to net income (ytd only)* | 70.3125% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 3,581 |
| Loan loss allowance to noncurrent loans | 127.1973% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.2535% | 2,003 |
| Noncurrent loans to loans | 0.9723% | 2,704 |
| Net loans and leases to total assets | 74.6160% | 1,565 |
| Net loans and leases to deposits | 84.4699% | 2,255 |
| Net loans and leases to core deposits | 89.3052% | 2,417 |
| Total domestic deposits to total assets | 88.3343% | 1,476 |
| Equity capital to assets | 10.0661% | 3,959 |
| Core capital (leverage) ratio | 9.3289% | 4,514 |
| Tier 1 risk-based capital ratio | 12.2177% | 4,987 |
| Total risk-based capital ratio | 13.4374% | 4,910 |
| Memoranda: | ||
| Average total assets | $83,413,330 | 4,912 |
| Average earning assets | $77,295,000 | 4,884 |
| Average equity | $8,293,330 | 5,101 |
| Average total loans | $61,836,670 | 4,415 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 2,527 |
| Cost of funding earning assets | 0.2671% | 4,827 |
| Net interest margin | 3.9137% | 1,848 |
| Noninterest income to average assets | 0.3806% | 4,161 |
| Noninterest expense to average assets | 3.1638% | 2,081 |
| Loan and lease loss provision to assets | 0.0476% | 2,979 |
| Net operating income to assets | 0.7898% | 3,317 |
| Return on assets (ROA) | 0.7898% | 3,451 |
| Pretax return on assets | 0.7945% | 4,267 |
| Return on Equity (ROE) | 7.9918% | 2,960 |
| Retained earnings to average equity (ytd only) | 7.9918% | 1,577 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5036% | 2,115 |
| Assets per employee ($millions) | 2.5503% | 6,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 3,865 |
| Loan loss allowance to noncurrent loans | 119.4969% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.1074% | 2,422 |
| Noncurrent loans to loans | 1.0182% | 2,726 |
| Net loans and leases to total assets | 73.3160% | 1,596 |
| Net loans and leases to deposits | 82.8960% | 2,222 |
| Net loans and leases to core deposits | 86.1435% | 2,534 |
| Total domestic deposits to total assets | 88.4433% | 1,576 |
| Equity capital to assets | 10.0144% | 4,130 |
| Core capital (leverage) ratio | 9.3248% | 4,532 |
| Tier 1 risk-based capital ratio | 12.3948% | 4,979 |
| Total risk-based capital ratio | 13.6127% | 4,915 |
| Memoranda: | ||
| Average total assets | $84,076,500 | 4,938 |
| Average earning assets | $77,879,500 | 4,920 |
| Average equity | $8,308,500 | 5,137 |
| Average total loans | $61,746,500 | 4,439 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 2,829 |
| Cost of funding earning assets | 0.3046% | 4,748 |
| Net interest margin | 3.9316% | 2,116 |
| Noninterest income to average assets | 0.4326% | 3,949 |
| Noninterest expense to average assets | 3.2008% | 2,216 |
| Loan and lease loss provision to assets | 0.0794% | 2,896 |
| Net operating income to assets | 0.7968% | 3,386 |
| Return on assets (ROA) | 0.8078% | 3,425 |
| Pretax return on assets | 0.8078% | 4,226 |
| Return on Equity (ROE) | 8.1625% | 3,043 |
| Retained earnings to average equity (ytd only) | 0.7533% | 5,430 |
| Net charge-offs to loans | 0.0723% | 3,452 |
| Credit loss provision to net charge-offs | 154.7619% | 1,569 |
| Earnings coverage of net charge-offs (x) | 17.0714% | 1,962 |
| Efficiency ratio | 77.9976% | 2,211 |
| Assets per employee ($millions) | 2.6248% | 6,083 |
| Cash dividends to net income (ytd only)* | 90.7716% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 3,836 |
| Loan loss allowance to noncurrent loans | 92.9368% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.3132% | 2,143 |
| Noncurrent loans to loans | 1.3223% | 2,227 |
| Net loans and leases to total assets | 71.7682% | 1,945 |
| Net loans and leases to deposits | 79.6367% | 2,769 |
| Net loans and leases to core deposits | 82.1390% | 3,090 |
| Total domestic deposits to total assets | 90.1195% | 684 |
| Equity capital to assets | 9.7495% | 4,416 |
| Core capital (leverage) ratio | 9.1321% | 4,777 |
| Tier 1 risk-based capital ratio | 12.9098% | 4,788 |
| Total risk-based capital ratio | 14.1607% | 4,706 |
| Memoranda: | ||
| Average total assets | $81,822,600 | 5,019 |
| Average earning assets | $75,846,400 | 4,993 |
| Average equity | $8,098,000 | 5,179 |
| Average total loans | $58,111,000 | 4,545 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 2,909 |
| Cost of funding earning assets | 0.3093% | 4,791 |
| Net interest margin | 3.9149% | 2,175 |
| Noninterest income to average assets | 0.4363% | 3,982 |
| Noninterest expense to average assets | 3.2086% | 2,148 |
| Loan and lease loss provision to assets | 0.0820% | 2,710 |
| Net operating income to assets | 0.7792% | 3,518 |
| Return on assets (ROA) | 0.7792% | 3,624 |
| Pretax return on assets | 0.7792% | 4,429 |
| Return on Equity (ROE) | 7.8427% | 3,288 |
| Retained earnings to average equity (ytd only) | 2.0638% | 5,021 |
| Net charge-offs to loans | 0.1022% | 2,773 |
| Credit loss provision to net charge-offs | 113.6364% | 1,997 |
| Earnings coverage of net charge-offs (x) | 11.9308% | 2,361 |
| Efficiency ratio | 78.3152% | 2,134 |
| Assets per employee ($millions) | 2.6067% | 6,151 |
| Cash dividends to net income (ytd only)* | 73.6847% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 4,134 |
| Loan loss allowance to noncurrent loans | 117.2800% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0718% | 2,818 |
| Noncurrent loans to loans | 1.0387% | 2,997 |
| Net loans and leases to total assets | 71.2563% | 1,980 |
| Net loans and leases to deposits | 80.9008% | 2,565 |
| Net loans and leases to core deposits | 85.0157% | 2,771 |
| Total domestic deposits to total assets | 88.0786% | 1,721 |
| Equity capital to assets | 9.8558% | 4,347 |
| Core capital (leverage) ratio | 9.2739% | 4,673 |
| Tier 1 risk-based capital ratio | 13.1013% | 4,799 |
| Total risk-based capital ratio | 14.3520% | 4,728 |
| Memoranda: | ||
| Average total assets | $81,279,750 | 5,081 |
| Average earning assets | $75,435,750 | 5,053 |
| Average equity | $8,075,250 | 5,224 |
| Average total loans | $57,381,000 | 4,615 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 3,055 |
| Cost of funding earning assets | 0.3180% | 4,784 |
| Net interest margin | 3.8564% | 2,353 |
| Noninterest income to average assets | 0.4568% | 3,816 |
| Noninterest expense to average assets | 3.2022% | 2,188 |
| Loan and lease loss provision to assets | 0.0496% | 3,311 |
| Net operating income to assets | 0.7869% | 3,396 |
| Return on assets (ROA) | 0.7869% | 3,496 |
| Pretax return on assets | 0.7869% | 4,326 |
| Return on Equity (ROE) | 7.8987% | 3,157 |
| Retained earnings to average equity (ytd only) | 1.5448% | 5,122 |
| Net charge-offs to loans | 0.1630% | 2,089 |
| Credit loss provision to net charge-offs | 43.4783% | 2,884 |
| Earnings coverage of net charge-offs (x) | 7.3261% | 2,648 |
| Efficiency ratio | 78.7339% | 2,200 |
| Assets per employee ($millions) | 2.5491% | 6,257 |
| Cash dividends to net income (ytd only)* | 80.4416% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 4,431 |
| Loan loss allowance to noncurrent loans | 207.3964% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7441% | 3,732 |
| Noncurrent loans to loans | 0.5779% | 4,289 |
| Net loans and leases to total assets | 70.8422% | 1,939 |
| Net loans and leases to deposits | 79.6686% | 2,563 |
| Net loans and leases to core deposits | 81.9892% | 2,973 |
| Total domestic deposits to total assets | 88.9212% | 1,401 |
| Equity capital to assets | 9.9926% | 4,116 |
| Core capital (leverage) ratio | 9.4212% | 4,442 |
| Tier 1 risk-based capital ratio | 13.2765% | 4,738 |
| Total risk-based capital ratio | 14.5081% | 4,683 |
| Memoranda: | ||
| Average total assets | $80,568,670 | 5,149 |
| Average earning assets | $74,836,000 | 5,114 |
| Average equity | $8,026,670 | 5,268 |
| Average total loans | $56,451,330 | 4,674 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 3,188 |
| Cost of funding earning assets | 0.3226% | 4,825 |
| Net interest margin | 3.8008% | 2,468 |
| Noninterest income to average assets | 0.4596% | 3,716 |
| Noninterest expense to average assets | 3.2073% | 2,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7843% | 3,229 |
| Return on assets (ROA) | 0.7843% | 3,310 |
| Pretax return on assets | 0.7843% | 4,167 |
| Return on Equity (ROE) | 7.8850% | 2,983 |
| Retained earnings to average equity (ytd only) | 7.8850% | 1,639 |
| Net charge-offs to loans | 0.3608% | 999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.1400% | 2,728 |
| Efficiency ratio | 79.8498% | 2,232 |
| Assets per employee ($millions) | 2.4103% | 6,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 4,506 |
| Loan loss allowance to noncurrent loans | 295.6332% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 4,170 |
| Noncurrent loans to loans | 0.4153% | 4,889 |
| Net loans and leases to total assets | 68.4670% | 2,151 |
| Net loans and leases to deposits | 77.8083% | 2,585 |
| Net loans and leases to core deposits | 78.2589% | 3,175 |
| Total domestic deposits to total assets | 87.9946% | 2,237 |
| Equity capital to assets | 10.2302% | 3,562 |
| Core capital (leverage) ratio | 9.6400% | 4,081 |
| Tier 1 risk-based capital ratio | 14.2098% | 4,192 |
| Total risk-based capital ratio | 15.4602% | 4,134 |
| Memoranda: | ||
| Average total assets | $80,068,000 | 5,206 |
| Average earning assets | $74,406,000 | 5,166 |
| Average equity | $7,964,500 | 5,305 |
| Average total loans | $55,433,500 | 4,745 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 2,880 |
| Cost of funding earning assets | 0.4159% | 4,472 |
| Net interest margin | 3.9041% | 2,269 |
| Noninterest income to average assets | 0.4126% | 4,356 |
| Noninterest expense to average assets | 3.2227% | 2,349 |
| Loan and lease loss provision to assets | 0.0063% | 4,997 |
| Net operating income to assets | 0.7962% | 3,307 |
| Return on assets (ROA) | 0.7962% | 3,408 |
| Pretax return on assets | 0.7962% | 4,159 |
| Return on Equity (ROE) | 7.8168% | 3,132 |
| Retained earnings to average equity (ytd only) | 0.1363% | 5,791 |
| Net charge-offs to loans | 0.1342% | 3,460 |
| Credit loss provision to net charge-offs | 7.0423% | 4,622 |
| Earnings coverage of net charge-offs (x) | 8.9577% | 2,575 |
| Efficiency ratio | 79.5298% | 2,231 |
| Assets per employee ($millions) | 2.4423% | 6,433 |
| Cash dividends to net income (ytd only)* | 98.2567% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 4,121 |
| Loan loss allowance to noncurrent loans | 112.0185% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.1167% | 3,172 |
| Noncurrent loans to loans | 1.1645% | 3,213 |
| Net loans and leases to total assets | 68.2470% | 2,309 |
| Net loans and leases to deposits | 75.6644% | 3,003 |
| Net loans and leases to core deposits | 76.0862% | 3,598 |
| Total domestic deposits to total assets | 90.1969% | 969 |
| Equity capital to assets | 9.6679% | 4,199 |
| Core capital (leverage) ratio | 9.4760% | 4,305 |
| Tier 1 risk-based capital ratio | 13.7682% | 4,467 |
| Total risk-based capital ratio | 15.0187% | 4,411 |
| Memoranda: | ||
| Average total assets | $79,249,800 | 5,254 |
| Average earning assets | $73,333,000 | 5,216 |
| Average equity | $8,072,400 | 5,318 |
| Average total loans | $52,913,000 | 4,847 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 2,830 |
| Cost of funding earning assets | 0.4350% | 4,451 |
| Net interest margin | 3.9056% | 2,254 |
| Noninterest income to average assets | 0.4325% | 4,281 |
| Noninterest expense to average assets | 3.2001% | 2,367 |
| Loan and lease loss provision to assets | 0.0085% | 4,812 |
| Net operating income to assets | 0.8347% | 3,166 |
| Return on assets (ROA) | 0.8347% | 3,296 |
| Pretax return on assets | 0.8347% | 4,169 |
| Return on Equity (ROE) | 8.0890% | 3,078 |
| Retained earnings to average equity (ytd only) | 2.4398% | 4,868 |
| Net charge-offs to loans | 0.0741% | 3,882 |
| Credit loss provision to net charge-offs | 17.2414% | 4,113 |
| Earnings coverage of net charge-offs (x) | 17.2051% | 1,744 |
| Efficiency ratio | 78.6043% | 2,324 |
| Assets per employee ($millions) | 2.4305% | 6,527 |
| Cash dividends to net income (ytd only)* | 69.8383% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 3,851 |
| Loan loss allowance to noncurrent loans | 86.9910% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.4463% | 2,780 |
| Noncurrent loans to loans | 1.6212% | 2,745 |
| Net loans and leases to total assets | 67.0245% | 2,455 |
| Net loans and leases to deposits | 74.6604% | 3,131 |
| Net loans and leases to core deposits | 75.0807% | 3,722 |
| Total domestic deposits to total assets | 89.7725% | 1,124 |
| Equity capital to assets | 9.8822% | 4,078 |
| Core capital (leverage) ratio | 9.5878% | 4,269 |
| Tier 1 risk-based capital ratio | 14.1992% | 4,283 |
| Total risk-based capital ratio | 15.4514% | 4,231 |
| Memoranda: | ||
| Average total assets | $78,913,000 | 5,314 |
| Average earning assets | $72,953,500 | 5,276 |
| Average equity | $8,142,500 | 5,351 |
| Average total loans | $52,208,250 | 4,916 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 2,774 |
| Cost of funding earning assets | 0.4571% | 4,350 |
| Net interest margin | 3.8882% | 2,250 |
| Noninterest income to average assets | 0.4256% | 4,336 |
| Noninterest expense to average assets | 3.2109% | 2,328 |
| Loan and lease loss provision to assets | 0.0127% | 4,628 |
| Net operating income to assets | 0.8002% | 3,298 |
| Return on assets (ROA) | 0.8002% | 3,447 |
| Pretax return on assets | 0.8002% | 4,312 |
| Return on Equity (ROE) | 7.6449% | 3,265 |
| Retained earnings to average equity (ytd only) | 1.6799% | 5,176 |
| Net charge-offs to loans | -0.0428% | 6,212 |
| Credit loss provision to net charge-offs | -45.4545% | 5,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2274% | 2,271 |
| Assets per employee ($millions) | 2.3811% | 6,593 |
| Cash dividends to net income (ytd only)* | 78.0255% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 3,251 |
| Loan loss allowance to noncurrent loans | 190.3529% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8921% | 4,001 |
| Noncurrent loans to loans | 0.8266% | 4,264 |
| Net loans and leases to total assets | 64.4034% | 2,851 |
| Net loans and leases to deposits | 71.7913% | 3,482 |
| Net loans and leases to core deposits | 72.2011% | 4,011 |
| Total domestic deposits to total assets | 89.7092% | 1,200 |
| Equity capital to assets | 10.0426% | 3,864 |
| Core capital (leverage) ratio | 9.6333% | 4,032 |
| Tier 1 risk-based capital ratio | 14.6943% | 3,973 |
| Total risk-based capital ratio | 15.9479% | 3,934 |
| Memoranda: | ||
| Average total assets | $78,482,330 | 5,361 |
| Average earning assets | $72,629,670 | 5,315 |
| Average equity | $8,214,670 | 5,378 |
| Average total loans | $51,435,670 | 4,967 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 2,473 |
| Cost of funding earning assets | 0.4745% | 4,331 |
| Net interest margin | 3.9392% | 1,984 |
| Noninterest income to average assets | 0.4284% | 4,262 |
| Noninterest expense to average assets | 3.1771% | 2,430 |
| Loan and lease loss provision to assets | 0.0255% | 4,150 |
| Net operating income to assets | 0.8669% | 2,826 |
| Return on assets (ROA) | 0.8669% | 2,969 |
| Pretax return on assets | 0.8669% | 3,887 |
| Return on Equity (ROE) | 8.1179% | 2,911 |
| Retained earnings to average equity (ytd only) | 8.1179% | 1,707 |
| Net charge-offs to loans | -0.0778% | 6,334 |
| Credit loss provision to net charge-offs | -50.0000% | 5,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5689% | 2,680 |
| Assets per employee ($millions) | 2.4058% | 6,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 3,415 |
| Loan loss allowance to noncurrent loans | 88.0174% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.5493% | 2,945 |
| Noncurrent loans to loans | 1.8124% | 2,845 |
| Net loans and leases to total assets | 62.7825% | 2,922 |
| Net loans and leases to deposits | 70.3938% | 3,409 |
| Net loans and leases to core deposits | 70.7937% | 3,971 |
| Total domestic deposits to total assets | 89.1876% | 1,567 |
| Equity capital to assets | 10.6147% | 3,417 |
| Core capital (leverage) ratio | 9.6029% | 3,920 |
| Tier 1 risk-based capital ratio | 14.9725% | 3,854 |
| Total risk-based capital ratio | 16.2260% | 3,812 |
| Memoranda: | ||
| Average total assets | $78,436,000 | 5,404 |
| Average earning assets | $72,502,500 | 5,371 |
| Average equity | $8,376,500 | 5,393 |
| Average total loans | $51,446,500 | 5,008 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 2,280 |
| Cost of funding earning assets | 0.6462% | 3,943 |
| Net interest margin | 4.1319% | 1,883 |
| Noninterest income to average assets | 0.6011% | 3,271 |
| Noninterest expense to average assets | 3.5640% | 1,693 |
| Loan and lease loss provision to assets | 0.0909% | 4,550 |
| Net operating income to assets | 0.7401% | 3,556 |
| Return on assets (ROA) | 0.7479% | 3,762 |
| Pretax return on assets | 0.7479% | 4,483 |
| Return on Equity (ROE) | 6.9279% | 3,682 |
| Retained earnings to average equity (ytd only) | 0.8540% | 5,440 |
| Net charge-offs to loans | 0.0096% | 5,805 |
| Credit loss provision to net charge-offs | 1,400.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 315 |
| Efficiency ratio | 80.5908% | 2,068 |
| Assets per employee ($millions) | 2.2789% | 6,787 |
| Cash dividends to net income (ytd only)* | 87.6736% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 3,670 |
| Loan loss allowance to noncurrent loans | 75.1659% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.7643% | 2,758 |
| Noncurrent loans to loans | 2.0194% | 2,674 |
| Net loans and leases to total assets | 66.4012% | 2,467 |
| Net loans and leases to deposits | 74.5486% | 3,013 |
| Net loans and leases to core deposits | 74.9832% | 3,661 |
| Total domestic deposits to total assets | 89.0710% | 1,514 |
| Equity capital to assets | 10.7457% | 3,223 |
| Core capital (leverage) ratio | 9.7938% | 3,666 |
| Tier 1 risk-based capital ratio | 14.6209% | 3,949 |
| Total risk-based capital ratio | 15.8756% | 3,904 |
| Memoranda: | ||
| Average total assets | $77,020,600 | 5,433 |
| Average earning assets | $70,718,600 | 5,399 |
| Average equity | $8,314,200 | 5,416 |
| Average total loans | $52,350,800 | 5,001 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8688% | 2,127 |
| Cost of funding earning assets | 0.6737% | 3,988 |
| Net interest margin | 4.1951% | 1,752 |
| Noninterest income to average assets | 0.6588% | 2,940 |
| Noninterest expense to average assets | 3.6095% | 1,540 |
| Loan and lease loss provision to assets | 0.1092% | 4,206 |
| Net operating income to assets | 0.7940% | 3,482 |
| Return on assets (ROA) | 0.7940% | 3,723 |
| Pretax return on assets | 0.7940% | 4,507 |
| Return on Equity (ROE) | 7.3473% | 3,612 |
| Retained earnings to average equity (ytd only) | 2.7753% | 4,888 |
| Net charge-offs to loans | 0.0178% | 5,427 |
| Credit loss provision to net charge-offs | 900.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 74.4534% | 551 |
| Efficiency ratio | 79.4852% | 2,171 |
| Assets per employee ($millions) | 2.3503% | 6,827 |
| Cash dividends to net income (ytd only)* | 62.2271% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 3,882 |
| Loan loss allowance to noncurrent loans | 167.5214% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 1.1062% | 4,089 |
| Noncurrent loans to loans | 0.9057% | 4,616 |
| Net loans and leases to total assets | 67.6616% | 2,345 |
| Net loans and leases to deposits | 77.7062% | 2,704 |
| Net loans and leases to core deposits | 78.5967% | 3,374 |
| Total domestic deposits to total assets | 87.0737% | 2,618 |
| Equity capital to assets | 11.2337% | 2,998 |
| Core capital (leverage) ratio | 9.9433% | 3,626 |
| Tier 1 risk-based capital ratio | 15.0734% | 3,797 |
| Total risk-based capital ratio | 16.3282% | 3,746 |
| Memoranda: | ||
| Average total assets | $76,905,250 | 5,490 |
| Average earning assets | $70,652,500 | 5,468 |
| Average equity | $8,311,250 | 5,472 |
| Average total loans | $52,378,000 | 5,055 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 2,135 |
| Cost of funding earning assets | 0.6902% | 4,093 |
| Net interest margin | 4.2035% | 1,741 |
| Noninterest income to average assets | 0.6635% | 2,879 |
| Noninterest expense to average assets | 3.5575% | 1,665 |
| Loan and lease loss provision to assets | 0.1162% | 4,075 |
| Net operating income to assets | 0.8416% | 3,187 |
| Return on assets (ROA) | 0.8416% | 3,452 |
| Pretax return on assets | 0.8416% | 4,309 |
| Return on Equity (ROE) | 7.8884% | 3,307 |
| Retained earnings to average equity (ytd only) | 3.2909% | 4,418 |
| Net charge-offs to loans | 0.0304% | 4,951 |
| Credit loss provision to net charge-offs | 562.5000% | 555 |
| Earnings coverage of net charge-offs (x) | 46.3750% | 778 |
| Efficiency ratio | 78.2733% | 2,425 |
| Assets per employee ($millions) | 2.2597% | 6,944 |
| Cash dividends to net income (ytd only)* | 58.2822% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 4,204 |
| Loan loss allowance to noncurrent loans | 81.9058% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.9420% | 2,859 |
| Noncurrent loans to loans | 1.7835% | 3,245 |
| Net loans and leases to total assets | 67.1686% | 2,436 |
| Net loans and leases to deposits | 76.7498% | 2,879 |
| Net loans and leases to core deposits | 77.1421% | 3,637 |
| Total domestic deposits to total assets | 87.5164% | 2,456 |
| Equity capital to assets | 10.8800% | 3,255 |
| Core capital (leverage) ratio | 9.7838% | 3,736 |
| Tier 1 risk-based capital ratio | 14.9508% | 3,796 |
| Total risk-based capital ratio | 16.2041% | 3,746 |
| Memoranda: | ||
| Average total assets | $77,470,000 | 5,508 |
| Average earning assets | $70,989,000 | 5,493 |
| Average equity | $8,265,330 | 5,492 |
| Average total loans | $52,613,000 | 5,077 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8700% | 2,354 |
| Cost of funding earning assets | 0.6949% | 4,326 |
| Net interest margin | 4.1751% | 1,836 |
| Noninterest income to average assets | 0.5296% | 3,701 |
| Noninterest expense to average assets | 3.4452% | 1,896 |
| Loan and lease loss provision to assets | 0.1183% | 3,869 |
| Net operating income to assets | 0.7970% | 3,390 |
| Return on assets (ROA) | 0.7970% | 3,629 |
| Pretax return on assets | 0.7970% | 4,422 |
| Return on Equity (ROE) | 7.5440% | 3,476 |
| Retained earnings to average equity (ytd only) | 2.9202% | 4,793 |
| Net charge-offs to loans | 0.0910% | 3,608 |
| Credit loss provision to net charge-offs | 191.6667% | 1,378 |
| Earnings coverage of net charge-offs (x) | 14.8333% | 1,449 |
| Efficiency ratio | 78.5377% | 2,420 |
| Assets per employee ($millions) | 2.3302% | 6,975 |
| Cash dividends to net income (ytd only)* | 61.2903% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 4,628 |
| Loan loss allowance to noncurrent loans | 71.8872% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 2.2212% | 2,672 |
| Noncurrent loans to loans | 1.9430% | 3,228 |
| Net loans and leases to total assets | 67.8414% | 2,138 |
| Net loans and leases to deposits | 77.3203% | 2,624 |
| Net loans and leases to core deposits | 78.0549% | 3,314 |
| Total domestic deposits to total assets | 87.7407% | 2,502 |
| Equity capital to assets | 10.7169% | 3,244 |
| Core capital (leverage) ratio | 9.6187% | 3,890 |
| Tier 1 risk-based capital ratio | 14.2638% | 4,270 |
| Total risk-based capital ratio | 15.5165% | 4,237 |
| Memoranda: | ||
| Average total assets | $77,790,500 | 5,540 |
| Average earning assets | $71,376,000 | 5,520 |
| Average equity | $8,218,500 | 5,525 |
| Average total loans | $52,734,500 | 5,116 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 2,447 |
| Cost of funding earning assets | 0.8376% | 4,565 |
| Net interest margin | 4.2651% | 1,825 |
| Noninterest income to average assets | 0.5656% | 3,388 |
| Noninterest expense to average assets | 3.5484% | 1,868 |
| Loan and lease loss provision to assets | 0.1559% | 4,680 |
| Net operating income to assets | 0.7782% | 3,144 |
| Return on assets (ROA) | 0.7782% | 3,305 |
| Pretax return on assets | 0.7782% | 4,059 |
| Return on Equity (ROE) | 7.0668% | 3,376 |
| Retained earnings to average equity (ytd only) | -13.7592% | 6,832 |
| Net charge-offs to loans | 0.3936% | 3,446 |
| Credit loss provision to net charge-offs | 59.0244% | 5,191 |
| Earnings coverage of net charge-offs (x) | 3.5366% | 3,480 |
| Efficiency ratio | 78.6720% | 2,502 |
| Assets per employee ($millions) | 2.3142% | 6,997 |
| Cash dividends to net income (ytd only)* | 294.7020% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 4,537 |
| Loan loss allowance to noncurrent loans | 122.9730% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.6318% | 3,510 |
| Noncurrent loans to loans | 1.1263% | 4,474 |
| Net loans and leases to total assets | 65.8762% | 2,812 |
| Net loans and leases to deposits | 74.7588% | 3,380 |
| Net loans and leases to core deposits | 75.4498% | 4,049 |
| Total domestic deposits to total assets | 88.1183% | 2,083 |
| Equity capital to assets | 10.4163% | 3,633 |
| Core capital (leverage) ratio | 9.6148% | 3,841 |
| Tier 1 risk-based capital ratio | 14.1586% | 4,209 |
| Total risk-based capital ratio | 15.4112% | 4,157 |
| Memoranda: | ||
| Average total assets | $77,611,600 | 5,521 |
| Average earning assets | $71,275,800 | 5,497 |
| Average equity | $8,547,000 | 5,389 |
| Average total loans | $52,079,600 | 5,187 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1177% | 2,524 |
| Cost of funding earning assets | 0.8736% | 4,611 |
| Net interest margin | 4.2441% | 1,934 |
| Noninterest income to average assets | 0.5206% | 3,721 |
| Noninterest expense to average assets | 3.5443% | 1,826 |
| Loan and lease loss provision to assets | 0.0776% | 5,471 |
| Net operating income to assets | 0.8016% | 3,156 |
| Return on assets (ROA) | 0.8016% | 3,316 |
| Pretax return on assets | 0.8016% | 4,125 |
| Return on Equity (ROE) | 7.1801% | 3,437 |
| Retained earnings to average equity (ytd only) | -15.7500% | 7,003 |
| Net charge-offs to loans | 0.1386% | 4,673 |
| Credit loss provision to net charge-offs | 83.3333% | 4,023 |
| Earnings coverage of net charge-offs (x) | 9.4442% | 2,045 |
| Efficiency ratio | 79.6181% | 2,314 |
| Assets per employee ($millions) | 2.2032% | 7,144 |
| Cash dividends to net income (ytd only)* | 319.3571% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 3,893 |
| Loan loss allowance to noncurrent loans | 65.2846% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 2.2474% | 2,844 |
| Noncurrent loans to loans | 2.3719% | 2,927 |
| Net loans and leases to total assets | 66.2089% | 2,853 |
| Net loans and leases to deposits | 75.5889% | 3,389 |
| Net loans and leases to core deposits | 76.3074% | 4,162 |
| Total domestic deposits to total assets | 87.5908% | 2,296 |
| Equity capital to assets | 10.7441% | 3,426 |
| Core capital (leverage) ratio | 9.9156% | 3,552 |
| Tier 1 risk-based capital ratio | 14.7072% | 3,832 |
| Total risk-based capital ratio | 15.9605% | 3,808 |
| Memoranda: | ||
| Average total assets | $77,343,500 | 5,566 |
| Average earning assets | $71,124,500 | 5,544 |
| Average equity | $8,634,750 | 5,403 |
| Average total loans | $51,959,000 | 5,229 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1380% | 2,522 |
| Cost of funding earning assets | 0.9084% | 4,596 |
| Net interest margin | 4.2297% | 1,921 |
| Noninterest income to average assets | 0.5270% | 3,651 |
| Noninterest expense to average assets | 3.6295% | 1,676 |
| Loan and lease loss provision to assets | 0.0775% | 5,343 |
| Net operating income to assets | 0.7052% | 3,517 |
| Return on assets (ROA) | 0.7052% | 3,627 |
| Pretax return on assets | 0.7052% | 4,368 |
| Return on Equity (ROE) | 6.2391% | 3,827 |
| Retained earnings to average equity (ytd only) | -25.5275% | 7,190 |
| Net charge-offs to loans | 0.1577% | 4,234 |
| Credit loss provision to net charge-offs | 73.1707% | 3,976 |
| Earnings coverage of net charge-offs (x) | 7.3902% | 2,227 |
| Efficiency ratio | 81.7916% | 2,133 |
| Assets per employee ($millions) | 2.2175% | 7,174 |
| Cash dividends to net income (ytd only)* | 509.1575% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 3,740 |
| Loan loss allowance to noncurrent loans | 56.4085% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 2.8357% | 2,364 |
| Noncurrent loans to loans | 2.8148% | 2,583 |
| Net loans and leases to total assets | 65.8483% | 3,061 |
| Net loans and leases to deposits | 75.1521% | 3,627 |
| Net loans and leases to core deposits | 75.9396% | 4,324 |
| Total domestic deposits to total assets | 87.6200% | 2,393 |
| Equity capital to assets | 10.7088% | 3,275 |
| Core capital (leverage) ratio | 9.7590% | 3,580 |
| Tier 1 risk-based capital ratio | 15.1173% | 3,438 |
| Total risk-based capital ratio | 16.3621% | 3,409 |
| Memoranda: | ||
| Average total assets | $77,420,670 | 5,610 |
| Average earning assets | $71,116,670 | 5,593 |
| Average equity | $8,751,330 | 5,394 |
| Average total loans | $51,992,670 | 5,282 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0858% | 2,708 |
| Cost of funding earning assets | 0.9498% | 4,568 |
| Net interest margin | 4.1360% | 2,131 |
| Noninterest income to average assets | 0.5253% | 3,693 |
| Noninterest expense to average assets | 3.6005% | 1,768 |
| Loan and lease loss provision to assets | 0.0765% | 5,040 |
| Net operating income to assets | 0.6681% | 3,671 |
| Return on assets (ROA) | 0.6681% | 3,742 |
| Pretax return on assets | 0.6681% | 4,427 |
| Return on Equity (ROE) | 5.7646% | 4,037 |
| Retained earnings to average equity (ytd only) | 1.5842% | 5,161 |
| Net charge-offs to loans | 0.1592% | 3,529 |
| Credit loss provision to net charge-offs | 71.4286% | 3,327 |
| Earnings coverage of net charge-offs (x) | 6.9524% | 2,023 |
| Efficiency ratio | 82.3944% | 2,167 |
| Assets per employee ($millions) | 2.2720% | 7,202 |
| Cash dividends to net income (ytd only)* | 72.5191% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5726% | 3,857 |
| Loan loss allowance to noncurrent loans | 43.2172% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 3.1898% | 2,165 |
| Noncurrent loans to loans | 3.6387% | 2,038 |
| Net loans and leases to total assets | 65.3074% | 3,178 |
| Net loans and leases to deposits | 75.4645% | 3,503 |
| Net loans and leases to core deposits | 76.2342% | 4,275 |
| Total domestic deposits to total assets | 86.5406% | 3,213 |
| Equity capital to assets | 11.8309% | 2,021 |
| Core capital (leverage) ratio | 10.8882% | 2,272 |
| Tier 1 risk-based capital ratio | 16.9284% | 2,508 |
| Total risk-based capital ratio | 18.1829% | 2,481 |
| Memoranda: | ||
| Average total assets | $78,433,000 | 5,632 |
| Average earning assets | $72,437,000 | 5,589 |
| Average equity | $9,090,000 | 5,288 |
| Average total loans | $52,765,000 | 5,297 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3317% | 2,973 |
| Cost of funding earning assets | 1.2904% | 3,944 |
| Net interest margin | 4.0413% | 2,835 |
| Noninterest income to average assets | 0.6820% | 2,956 |
| Noninterest expense to average assets | 3.6552% | 1,799 |
| Loan and lease loss provision to assets | 0.4642% | 3,345 |
| Net operating income to assets | 0.2478% | 5,114 |
| Return on assets (ROA) | 0.2478% | 5,270 |
| Pretax return on assets | 0.2778% | 5,294 |
| Return on Equity (ROE) | 2.1628% | 5,325 |
| Retained earnings to average equity (ytd only) | 0.1748% | 5,488 |
| Net charge-offs to loans | 0.5963% | 3,244 |
| Credit loss provision to net charge-offs | 117.0347% | 3,658 |
| Earnings coverage of net charge-offs (x) | 1.8707% | 4,323 |
| Efficiency ratio | 83.1246% | 2,041 |
| Assets per employee ($millions) | 2.3417% | 7,178 |
| Cash dividends to net income (ytd only)* | 91.9192% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 4,025 |
| Loan loss allowance to noncurrent loans | 46.4837% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 2.6363% | 2,639 |
| Noncurrent loans to loans | 3.2224% | 2,356 |
| Net loans and leases to total assets | 67.1485% | 3,176 |
| Net loans and leases to deposits | 77.1183% | 3,654 |
| Net loans and leases to core deposits | 77.8765% | 4,474 |
| Total domestic deposits to total assets | 87.0722% | 2,782 |
| Equity capital to assets | 11.3553% | 2,372 |
| Core capital (leverage) ratio | 10.8207% | 2,297 |
| Tier 1 risk-based capital ratio | 16.3444% | 2,598 |
| Total risk-based capital ratio | 17.5977% | 2,554 |
| Memoranda: | ||
| Average total assets | $79,914,200 | 5,596 |
| Average earning assets | $73,465,600 | 5,557 |
| Average equity | $9,155,000 | 5,372 |
| Average total loans | $53,163,600 | 5,349 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3798% | 2,975 |
| Cost of funding earning assets | 1.3590% | 3,838 |
| Net interest margin | 4.0208% | 3,003 |
| Noninterest income to average assets | 0.7301% | 2,641 |
| Noninterest expense to average assets | 3.6521% | 1,667 |
| Loan and lease loss provision to assets | 0.3150% | 4,059 |
| Net operating income to assets | 0.4150% | 4,681 |
| Return on assets (ROA) | 0.4150% | 4,857 |
| Pretax return on assets | 0.4517% | 5,073 |
| Return on Equity (ROE) | 3.6151% | 4,955 |
| Retained earnings to average equity (ytd only) | 1.6406% | 5,133 |
| Net charge-offs to loans | 0.4336% | 3,561 |
| Credit loss provision to net charge-offs | 109.8837% | 3,863 |
| Earnings coverage of net charge-offs (x) | 2.6744% | 3,811 |
| Efficiency ratio | 82.6481% | 1,989 |
| Assets per employee ($millions) | 2.3272% | 7,282 |
| Cash dividends to net income (ytd only)* | 54.6191% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 4,318 |
| Loan loss allowance to noncurrent loans | 67.6856% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.8957% | 3,617 |
| Noncurrent loans to loans | 2.1095% | 3,561 |
| Net loans and leases to total assets | 67.6171% | 3,304 |
| Net loans and leases to deposits | 78.1062% | 3,808 |
| Net loans and leases to core deposits | 80.5353% | 4,441 |
| Total domestic deposits to total assets | 86.5706% | 2,772 |
| Equity capital to assets | 11.7068% | 2,350 |
| Core capital (leverage) ratio | 10.8930% | 2,341 |
| Tier 1 risk-based capital ratio | 16.0490% | 2,739 |
| Total risk-based capital ratio | 17.3017% | 2,687 |
| Memoranda: | ||
| Average total assets | $79,988,000 | 5,664 |
| Average earning assets | $73,384,000 | 5,622 |
| Average equity | $9,183,500 | 5,436 |
| Average total loans | $52,885,500 | 5,443 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3615% | 3,150 |
| Cost of funding earning assets | 1.3819% | 3,995 |
| Net interest margin | 3.9796% | 3,118 |
| Noninterest income to average assets | 0.8097% | 2,070 |
| Noninterest expense to average assets | 3.6798% | 1,598 |
| Loan and lease loss provision to assets | 0.1744% | 5,121 |
| Net operating income to assets | 0.5481% | 4,104 |
| Return on assets (ROA) | 0.5481% | 4,244 |
| Pretax return on assets | 0.6004% | 4,561 |
| Return on Equity (ROE) | 4.8051% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.8394% | 4,335 |
| Net charge-offs to loans | 0.5799% | 2,796 |
| Credit loss provision to net charge-offs | 46.0526% | 5,504 |
| Earnings coverage of net charge-offs (x) | 2.0461% | 4,001 |
| Efficiency ratio | 82.6063% | 2,091 |
| Assets per employee ($millions) | 2.4058% | 7,220 |
| Cash dividends to net income (ytd only)* | 40.9091% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 4,997 |
| Loan loss allowance to noncurrent loans | 58.0756% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.9196% | 3,598 |
| Noncurrent loans to loans | 2.2170% | 3,463 |
| Net loans and leases to total assets | 65.2828% | 3,989 |
| Net loans and leases to deposits | 76.4323% | 4,250 |
| Net loans and leases to core deposits | 78.3575% | 4,883 |
| Total domestic deposits to total assets | 85.4125% | 3,413 |
| Equity capital to assets | 11.5909% | 2,366 |
| Core capital (leverage) ratio | 10.9080% | 2,319 |
| Tier 1 risk-based capital ratio | 16.4859% | 2,476 |
| Total risk-based capital ratio | 17.7365% | 2,428 |
| Memoranda: | ||
| Average total assets | $80,275,670 | 5,691 |
| Average earning assets | $73,524,330 | 5,658 |
| Average equity | $9,157,000 | 5,454 |
| Average total loans | $52,421,670 | 5,493 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0722% | 4,669 |
| Cost of funding earning assets | 1.4161% | 4,079 |
| Net interest margin | 3.6561% | 4,454 |
| Noninterest income to average assets | 1.1992% | 847 |
| Noninterest expense to average assets | 3.8009% | 1,329 |
| Loan and lease loss provision to assets | 0.2924% | 3,682 |
| Net operating income to assets | 0.3667% | 4,994 |
| Return on assets (ROA) | 0.3667% | 5,116 |
| Pretax return on assets | 0.4708% | 5,056 |
| Return on Equity (ROE) | 3.2405% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.2405% | 4,205 |
| Net charge-offs to loans | 1.1226% | 1,499 |
| Credit loss provision to net charge-offs | 40.1361% | 4,637 |
| Earnings coverage of net charge-offs (x) | 1.0476% | 4,139 |
| Efficiency ratio | 83.2790% | 2,103 |
| Assets per employee ($millions) | 2.3494% | 7,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 5,084 |
| Loan loss allowance to noncurrent loans | 40.4474% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 2.4124% | 3,014 |
| Noncurrent loans to loans | 3.1438% | 2,554 |
| Net loans and leases to total assets | 65.0259% | 4,096 |
| Net loans and leases to deposits | 78.0989% | 4,021 |
| Net loans and leases to core deposits | 79.6876% | 4,799 |
| Total domestic deposits to total assets | 83.2609% | 4,495 |
| Equity capital to assets | 11.5137% | 2,349 |
| Core capital (leverage) ratio | 10.6032% | 2,531 |
| Tier 1 risk-based capital ratio | 15.7116% | 2,773 |
| Total risk-based capital ratio | 16.9376% | 2,735 |
| Memoranda: | ||
| Average total assets | $80,718,500 | 5,745 |
| Average earning assets | $74,287,500 | 5,696 |
| Average equity | $9,134,500 | 5,509 |
| Average total loans | $52,380,500 | 5,563 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4455% | 4,460 |
| Cost of funding earning assets | 1.3283% | 6,213 |
| Net interest margin | 4.1172% | 2,375 |
| Noninterest income to average assets | 0.4792% | 4,573 |
| Noninterest expense to average assets | 3.9192% | 1,483 |
| Loan and lease loss provision to assets | 0.2897% | 5,111 |
| Net operating income to assets | 0.0604% | 5,312 |
| Return on assets (ROA) | 0.1316% | 5,164 |
| Pretax return on assets | 0.1316% | 5,153 |
| Return on Equity (ROE) | 1.1892% | 5,175 |
| Retained earnings to average equity (ytd only) | 0.2182% | 4,784 |
| Net charge-offs to loans | 0.5273% | 3,676 |
| Credit loss provision to net charge-offs | 83.3333% | 6,212 |
| Earnings coverage of net charge-offs (x) | 1.0069% | 5,108 |
| Efficiency ratio | 91.8010% | 1,580 |
| Assets per employee ($millions) | 2.2043% | 7,568 |
| Cash dividends to net income (ytd only)* | 81.6514% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 3,954 |
| Loan loss allowance to noncurrent loans | 34.2986% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 3.1278% | 2,212 |
| Noncurrent loans to loans | 4.2378% | 1,714 |
| Net loans and leases to total assets | 63.0128% | 4,807 |
| Net loans and leases to deposits | 73.2372% | 5,158 |
| Net loans and leases to core deposits | 79.8112% | 6,120 |
| Total domestic deposits to total assets | 86.0394% | 3,001 |
| Equity capital to assets | 11.1234% | 2,604 |
| Core capital (leverage) ratio | 10.6248% | 2,487 |
| Tier 1 risk-based capital ratio | 16.4180% | 2,349 |
| Total risk-based capital ratio | 17.6702% | 2,299 |
| Memoranda: | ||
| Average total assets | $82,848,000 | 5,638 |
| Average earning assets | $76,264,600 | 5,593 |
| Average equity | $9,165,600 | 5,558 |
| Average total loans | $54,622,400 | 5,479 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5194% | 4,322 |
| Cost of funding earning assets | 1.2820% | 6,618 |
| Net interest margin | 4.2374% | 1,915 |
| Noninterest income to average assets | 0.4921% | 4,554 |
| Noninterest expense to average assets | 3.8474% | 1,513 |
| Loan and lease loss provision to assets | 0.3158% | 4,453 |
| Net operating income to assets | 0.2340% | 5,043 |
| Return on assets (ROA) | 0.3286% | 4,786 |
| Pretax return on assets | 0.3286% | 4,984 |
| Return on Equity (ROE) | 2.9745% | 4,808 |
| Retained earnings to average equity (ytd only) | 1.6831% | 4,367 |
| Net charge-offs to loans | 0.1545% | 5,171 |
| Credit loss provision to net charge-offs | 307.8125% | 1,341 |
| Earnings coverage of net charge-offs (x) | 5.3594% | 2,847 |
| Efficiency ratio | 87.4954% | 1,919 |
| Assets per employee ($millions) | 2.1338% | 7,682 |
| Cash dividends to net income (ytd only)* | 43.4127% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 2,497 |
| Loan loss allowance to noncurrent loans | 30.5863% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 4.5534% | 1,334 |
| Noncurrent loans to loans | 5.6778% | 1,087 |
| Net loans and leases to total assets | 65.5267% | 4,530 |
| Net loans and leases to deposits | 76.5808% | 4,950 |
| Net loans and leases to core deposits | 83.0678% | 6,114 |
| Total domestic deposits to total assets | 85.5654% | 2,935 |
| Equity capital to assets | 11.4044% | 2,670 |
| Core capital (leverage) ratio | 10.5811% | 2,732 |
| Tier 1 risk-based capital ratio | 16.5106% | 2,424 |
| Total risk-based capital ratio | 17.7678% | 2,374 |
| Memoranda: | ||
| Average total assets | $83,170,500 | 5,647 |
| Average earning assets | $76,649,000 | 5,610 |
| Average equity | $9,189,000 | 5,597 |
| Average total loans | $55,240,500 | 5,498 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4998% | 4,636 |
| Cost of funding earning assets | 1.3341% | 6,693 |
| Net interest margin | 4.1656% | 2,110 |
| Noninterest income to average assets | 0.4746% | 4,678 |
| Noninterest expense to average assets | 3.7441% | 1,754 |
| Loan and lease loss provision to assets | 0.1908% | 5,135 |
| Net operating income to assets | 0.3744% | 4,605 |
| Return on assets (ROA) | 0.5151% | 4,149 |
| Pretax return on assets | 0.5151% | 4,569 |
| Return on Equity (ROE) | 4.7112% | 4,206 |
| Retained earnings to average equity (ytd only) | 3.7515% | 3,209 |
| Net charge-offs to loans | 0.2049% | 4,244 |
| Credit loss provision to net charge-offs | 140.3509% | 3,326 |
| Earnings coverage of net charge-offs (x) | 4.1579% | 3,195 |
| Efficiency ratio | 86.8843% | 2,131 |
| Assets per employee ($millions) | 1.9790% | 7,868 |
| Cash dividends to net income (ytd only)* | 20.3704% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 3,154 |
| Loan loss allowance to noncurrent loans | 32.7022% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 3.8920% | 1,546 |
| Noncurrent loans to loans | 4.6047% | 1,386 |
| Net loans and leases to total assets | 66.8256% | 4,393 |
| Net loans and leases to deposits | 78.0254% | 4,867 |
| Net loans and leases to core deposits | 84.4687% | 6,059 |
| Total domestic deposits to total assets | 85.6460% | 2,941 |
| Equity capital to assets | 11.3223% | 2,657 |
| Core capital (leverage) ratio | 10.4946% | 2,818 |
| Tier 1 risk-based capital ratio | 16.8355% | 2,353 |
| Total risk-based capital ratio | 18.0904% | 2,303 |
| Memoranda: | ||
| Average total assets | $83,866,330 | 5,661 |
| Average earning assets | $77,203,000 | 5,622 |
| Average equity | $9,169,670 | 5,623 |
| Average total loans | $55,630,670 | 5,527 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5215% | 4,802 |
| Cost of funding earning assets | 1.3956% | 6,749 |
| Net interest margin | 4.1258% | 2,190 |
| Noninterest income to average assets | 0.4506% | 4,761 |
| Noninterest expense to average assets | 3.7499% | 1,563 |
| Loan and lease loss provision to assets | 0.0329% | 6,526 |
| Net operating income to assets | 0.4693% | 4,568 |
| Return on assets (ROA) | 0.4693% | 4,756 |
| Pretax return on assets | 0.4693% | 5,175 |
| Return on Equity (ROE) | 4.3663% | 4,764 |
| Retained earnings to average equity (ytd only) | 2.4451% | 4,514 |
| Net charge-offs to loans | 0.1359% | 3,873 |
| Credit loss provision to net charge-offs | 36.8421% | 4,855 |
| Earnings coverage of net charge-offs (x) | 5.6316% | 2,639 |
| Efficiency ratio | 88.1898% | 1,880 |
| Assets per employee ($millions) | 2.0810% | 7,829 |
| Cash dividends to net income (ytd only)* | 44.0000% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 3,373 |
| Loan loss allowance to noncurrent loans | 45.5014% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 2.8448% | 1,996 |
| Noncurrent loans to loans | 3.1255% | 2,068 |
| Net loans and leases to total assets | 66.1177% | 4,560 |
| Net loans and leases to deposits | 77.9097% | 4,937 |
| Net loans and leases to core deposits | 84.3182% | 6,039 |
| Total domestic deposits to total assets | 84.8644% | 3,270 |
| Equity capital to assets | 11.0102% | 2,952 |
| Core capital (leverage) ratio | 9.9921% | 3,421 |
| Tier 1 risk-based capital ratio | 15.2557% | 2,953 |
| Total risk-based capital ratio | 16.5073% | 2,895 |
| Memoranda: | ||
| Average total assets | $85,229,000 | 5,638 |
| Average earning assets | $78,530,000 | 5,605 |
| Average equity | $9,161,000 | 5,634 |
| Average total loans | $55,920,000 | 5,543 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7081% | 1,999 |
| Cost of funding earning assets | 2.2807% | 5,242 |
| Net interest margin | 4.4274% | 1,603 |
| Noninterest income to average assets | 0.9707% | 1,687 |
| Noninterest expense to average assets | 4.0473% | 1,347 |
| Loan and lease loss provision to assets | 0.1930% | 4,954 |
| Net operating income to assets | 0.8132% | 3,380 |
| Return on assets (ROA) | 0.8132% | 3,216 |
| Pretax return on assets | 0.8132% | 4,020 |
| Return on Equity (ROE) | 8.4753% | 2,857 |
| Retained earnings to average equity (ytd only) | -0.5473% | 5,454 |
| Net charge-offs to loans | 0.6897% | 1,779 |
| Credit loss provision to net charge-offs | 40.7186% | 6,446 |
| Earnings coverage of net charge-offs (x) | 2.1228% | 5,009 |
| Efficiency ratio | 80.0899% | 2,586 |
| Assets per employee ($millions) | 2.1804% | 7,740 |
| Cash dividends to net income (ytd only)* | 106.4572% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 3,026 |
| Loan loss allowance to noncurrent loans | 44.5743% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 2.8859% | 1,610 |
| Noncurrent loans to loans | 3.2084% | 1,639 |
| Net loans and leases to total assets | 63.2996% | 5,403 |
| Net loans and leases to deposits | 73.0361% | 5,945 |
| Net loans and leases to core deposits | 79.3378% | 6,663 |
| Total domestic deposits to total assets | 86.6689% | 2,108 |
| Equity capital to assets | 10.4991% | 3,506 |
| Core capital (leverage) ratio | 9.7355% | 3,726 |
| Tier 1 risk-based capital ratio | 14.6265% | 3,241 |
| Total risk-based capital ratio | 15.8773% | 3,158 |
| Memoranda: | ||
| Average total assets | $70,466,000 | 6,027 |
| Average earning assets | $64,981,400 | 5,991 |
| Average equity | $6,760,800 | 6,546 |
| Average total loans | $48,425,600 | 5,758 |