Home > Farmers and Merchants State Bank of Neola, Iowa > Performance and Condition Ratios
Farmers and Merchants State Bank of Neola, Iowa, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3920% | 5,087 |
| Cost of funding earning assets | 0.4209% | 4,430 |
| Net interest margin | 2.9710% | 4,732 |
| Noninterest income to average assets | 0.2558% | 4,226 |
| Noninterest expense to average assets | 1.9150% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0624% | 2,672 |
| Return on assets (ROA) | 1.0624% | 2,736 |
| Pretax return on assets | 1.1181% | 3,181 |
| Return on Equity (ROE) | 9.7273% | 2,521 |
| Retained earnings to average equity (ytd only) | 9.7273% | 834 |
| Net charge-offs to loans | 0.0825% | 1,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 34.1000% | 1,366 |
| Efficiency ratio | 63.1351% | 3,263 |
| Assets per employee ($millions) | 5.4979% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6692% | 4,758 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 4,014 |
| Noncurrent loans to loans | 0.3904% | 3,125 |
| Net loans and leases to total assets | 38.2856% | 4,903 |
| Net loans and leases to deposits | 43.3441% | 4,964 |
| Net loans and leases to core deposits | 44.5947% | 4,987 |
| Total domestic deposits to total assets | 88.3294% | 952 |
| Equity capital to assets | 11.5035% | 2,602 |
| Core capital (leverage) ratio | 11.3511% | 2,295 |
| Tier 1 risk-based capital ratio | 25.7452% | 705 |
| Total risk-based capital ratio | 26.3250% | 732 |
| Memoranda: | ||
| Average total assets | $60,993,670 | 4,675 |
| Average earning assets | $57,017,000 | 4,670 |
| Average equity | $6,661,670 | 4,759 |
| Average total loans | $24,236,330 | 4,881 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3564% | 5,144 |
| Cost of funding earning assets | 0.3916% | 4,519 |
| Net interest margin | 2.9649% | 4,798 |
| Noninterest income to average assets | 0.2873% | 3,953 |
| Noninterest expense to average assets | 1.8089% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1820% | 2,122 |
| Return on assets (ROA) | 1.1820% | 2,169 |
| Pretax return on assets | 1.2473% | 2,642 |
| Return on Equity (ROE) | 11.1145% | 1,907 |
| Retained earnings to average equity (ytd only) | 11.1145% | 779 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1880% | 3,926 |
| Assets per employee ($millions) | 5.5324% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6828% | 4,800 |
| Loan loss allowance to noncurrent loans | 188.6364% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 4,081 |
| Noncurrent loans to loans | 0.3620% | 3,282 |
| Net loans and leases to total assets | 39.6756% | 4,898 |
| Net loans and leases to deposits | 44.6303% | 4,971 |
| Net loans and leases to core deposits | 46.3908% | 4,978 |
| Total domestic deposits to total assets | 88.8984% | 907 |
| Equity capital to assets | 10.9899% | 2,863 |
| Core capital (leverage) ratio | 11.1124% | 2,464 |
| Tier 1 risk-based capital ratio | 24.0825% | 838 |
| Total risk-based capital ratio | 24.6717% | 868 |
| Memoranda: | ||
| Average total assets | $61,252,000 | 4,721 |
| Average earning assets | $57,203,500 | 4,715 |
| Average equity | $6,514,000 | 4,816 |
| Average total loans | $24,699,500 | 4,912 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1486% | 5,173 |
| Cost of funding earning assets | 0.2854% | 4,637 |
| Net interest margin | 2.8632% | 4,960 |
| Noninterest income to average assets | 0.2571% | 4,391 |
| Noninterest expense to average assets | 1.9759% | 4,789 |
| Loan and lease loss provision to assets | 0.0162% | 3,831 |
| Net operating income to assets | 0.8812% | 3,487 |
| Return on assets (ROA) | 0.8812% | 3,481 |
| Pretax return on assets | 0.9249% | 3,834 |
| Return on Equity (ROE) | 8.4619% | 3,235 |
| Retained earnings to average equity (ytd only) | 0.6987% | 4,804 |
| Net charge-offs to loans | 0.0535% | 2,387 |
| Credit loss provision to net charge-offs | 76.9231% | 2,908 |
| Earnings coverage of net charge-offs (x) | 44.7692% | 1,215 |
| Efficiency ratio | 67.7384% | 2,591 |
| Assets per employee ($millions) | 5.6044% | 1,859 |
| Cash dividends to net income (ytd only)* | 91.7431% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6617% | 4,878 |
| Loan loss allowance to noncurrent loans | 244.1176% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 4,281 |
| Noncurrent loans to loans | 0.2710% | 3,604 |
| Net loans and leases to total assets | 40.4263% | 4,928 |
| Net loans and leases to deposits | 45.1690% | 5,001 |
| Net loans and leases to core deposits | 46.6407% | 5,019 |
| Total domestic deposits to total assets | 89.5001% | 660 |
| Equity capital to assets | 10.2842% | 3,390 |
| Core capital (leverage) ratio | 10.9953% | 2,534 |
| Tier 1 risk-based capital ratio | 22.4561% | 974 |
| Total risk-based capital ratio | 23.0207% | 1,043 |
| Memoranda: | ||
| Average total assets | $61,844,000 | 4,724 |
| Average earning assets | $57,454,000 | 4,723 |
| Average equity | $6,440,600 | 4,836 |
| Average total loans | $24,316,000 | 4,961 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1102% | 5,241 |
| Cost of funding earning assets | 0.2578% | 4,742 |
| Net interest margin | 2.8523% | 5,035 |
| Noninterest income to average assets | 0.2520% | 4,463 |
| Noninterest expense to average assets | 1.9646% | 4,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8854% | 3,601 |
| Return on assets (ROA) | 0.8854% | 3,603 |
| Pretax return on assets | 0.9328% | 3,919 |
| Return on Equity (ROE) | 8.4753% | 3,343 |
| Retained earnings to average equity (ytd only) | 8.4753% | 1,430 |
| Net charge-offs to loans | 0.0497% | 2,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 48.1100% | 1,196 |
| Efficiency ratio | 67.8067% | 2,571 |
| Assets per employee ($millions) | 4.2089% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6405% | 4,984 |
| Loan loss allowance to noncurrent loans | 282.4561% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 4,491 |
| Noncurrent loans to loans | 0.2267% | 3,894 |
| Net loans and leases to total assets | 42.3878% | 4,941 |
| Net loans and leases to deposits | 47.7965% | 5,014 |
| Net loans and leases to core deposits | 49.4398% | 5,035 |
| Total domestic deposits to total assets | 88.6839% | 966 |
| Equity capital to assets | 11.1566% | 2,513 |
| Core capital (leverage) ratio | 11.5549% | 2,135 |
| Tier 1 risk-based capital ratio | 23.0960% | 927 |
| Total risk-based capital ratio | 23.6296% | 978 |
| Memoranda: | ||
| Average total assets | $61,893,000 | 4,772 |
| Average earning assets | $57,402,000 | 4,773 |
| Average equity | $6,465,750 | 4,884 |
| Average total loans | $24,123,000 | 5,025 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9982% | 5,338 |
| Cost of funding earning assets | 0.2396% | 4,804 |
| Net interest margin | 2.7587% | 5,168 |
| Noninterest income to average assets | 0.2513% | 4,506 |
| Noninterest expense to average assets | 1.9338% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8365% | 3,731 |
| Return on assets (ROA) | 0.8365% | 3,737 |
| Pretax return on assets | 0.8810% | 4,021 |
| Return on Equity (ROE) | 8.1808% | 3,427 |
| Retained earnings to average equity (ytd only) | 8.1808% | 1,547 |
| Net charge-offs to loans | 0.0757% | 1,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 30.7778% | 1,479 |
| Efficiency ratio | 68.7006% | 2,528 |
| Assets per employee ($millions) | 4.5330% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6632% | 5,006 |
| Loan loss allowance to noncurrent loans | 592.5926% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 4,810 |
| Noncurrent loans to loans | 0.1119% | 4,404 |
| Net loans and leases to total assets | 37.7628% | 5,131 |
| Net loans and leases to deposits | 42.1266% | 5,192 |
| Net loans and leases to core deposits | 43.4440% | 5,206 |
| Total domestic deposits to total assets | 89.6410% | 690 |
| Equity capital to assets | 10.2313% | 3,411 |
| Core capital (leverage) ratio | 10.9880% | 2,536 |
| Tier 1 risk-based capital ratio | 25.1586% | 719 |
| Total risk-based capital ratio | 25.7486% | 764 |
| Memoranda: | ||
| Average total assets | $62,882,330 | 4,804 |
| Average earning assets | $58,434,330 | 4,806 |
| Average equity | $6,429,670 | 4,938 |
| Average total loans | $23,784,670 | 5,095 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9333% | 5,401 |
| Cost of funding earning assets | 0.2272% | 4,851 |
| Net interest margin | 2.7061% | 5,251 |
| Noninterest income to average assets | 0.2876% | 4,249 |
| Noninterest expense to average assets | 1.8021% | 5,147 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9394% | 3,111 |
| Return on assets (ROA) | 0.9394% | 3,127 |
| Pretax return on assets | 0.9969% | 3,543 |
| Return on Equity (ROE) | 9.1904% | 2,812 |
| Retained earnings to average equity (ytd only) | 9.1904% | 1,398 |
| Net charge-offs to loans | 0.1016% | 1,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,327 |
| Efficiency ratio | 64.3836% | 3,418 |
| Assets per employee ($millions) | 4.8045% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6940% | 5,042 |
| Loan loss allowance to noncurrent loans | 905.5556% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 4,966 |
| Noncurrent loans to loans | 0.0766% | 4,642 |
| Net loans and leases to total assets | 37.3413% | 5,162 |
| Net loans and leases to deposits | 41.6445% | 5,231 |
| Net loans and leases to core deposits | 42.9648% | 5,239 |
| Total domestic deposits to total assets | 89.6668% | 799 |
| Equity capital to assets | 10.2483% | 3,338 |
| Core capital (leverage) ratio | 10.8625% | 2,574 |
| Tier 1 risk-based capital ratio | 23.7049% | 864 |
| Total risk-based capital ratio | 24.2809% | 916 |
| Memoranda: | ||
| Average total assets | $62,592,500 | 4,880 |
| Average earning assets | $58,091,000 | 4,872 |
| Average equity | $6,398,000 | 4,999 |
| Average total loans | $23,614,500 | 5,156 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7845% | 5,464 |
| Cost of funding earning assets | 0.2088% | 4,875 |
| Net interest margin | 2.5756% | 5,367 |
| Noninterest income to average assets | 0.2734% | 4,491 |
| Noninterest expense to average assets | 2.0315% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6066% | 3,983 |
| Return on assets (ROA) | 0.6066% | 4,018 |
| Pretax return on assets | 0.6357% | 4,665 |
| Return on Equity (ROE) | 5.9639% | 3,774 |
| Retained earnings to average equity (ytd only) | 5.9639% | 1,560 |
| Net charge-offs to loans | 0.1081% | 1,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 15.7200% | 2,227 |
| Efficiency ratio | 76.1674% | 1,593 |
| Assets per employee ($millions) | 4.8251% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 5,046 |
| Loan loss allowance to noncurrent loans | 938.8889% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 5,004 |
| Noncurrent loans to loans | 0.0758% | 4,660 |
| Net loans and leases to total assets | 37.5825% | 5,239 |
| Net loans and leases to deposits | 41.9302% | 5,299 |
| Net loans and leases to core deposits | 43.2503% | 5,316 |
| Total domestic deposits to total assets | 89.6311% | 715 |
| Equity capital to assets | 10.1951% | 3,495 |
| Core capital (leverage) ratio | 9.6107% | 3,908 |
| Tier 1 risk-based capital ratio | 20.3756% | 1,255 |
| Total risk-based capital ratio | 20.9475% | 1,344 |
| Memoranda: | ||
| Average total assets | $61,824,800 | 4,927 |
| Average earning assets | $57,461,400 | 4,922 |
| Average equity | $6,287,800 | 5,060 |
| Average total loans | $23,118,600 | 5,219 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7532% | 5,537 |
| Cost of funding earning assets | 0.2053% | 4,931 |
| Net interest margin | 2.5479% | 5,441 |
| Noninterest income to average assets | 0.2684% | 4,588 |
| Noninterest expense to average assets | 2.0065% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5931% | 4,415 |
| Return on assets (ROA) | 0.5931% | 4,453 |
| Pretax return on assets | 0.6255% | 4,788 |
| Return on Equity (ROE) | 5.8349% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.8349% | 2,353 |
| Net charge-offs to loans | 0.1045% | 1,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 16.0550% | 2,190 |
| Efficiency ratio | 76.2336% | 1,557 |
| Assets per employee ($millions) | 4.7385% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 4,989 |
| Loan loss allowance to noncurrent loans | 141.9355% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 4,288 |
| Noncurrent loans to loans | 0.5381% | 3,088 |
| Net loans and leases to total assets | 37.1201% | 5,301 |
| Net loans and leases to deposits | 41.5240% | 5,375 |
| Net loans and leases to core deposits | 42.8596% | 5,395 |
| Total domestic deposits to total assets | 89.3945% | 702 |
| Equity capital to assets | 10.4756% | 3,400 |
| Core capital (leverage) ratio | 10.0229% | 3,540 |
| Tier 1 risk-based capital ratio | 21.4373% | 1,125 |
| Total risk-based capital ratio | 22.0483% | 1,198 |
| Memoranda: | ||
| Average total assets | $61,599,500 | 4,985 |
| Average earning assets | $57,143,500 | 4,981 |
| Average equity | $6,261,000 | 5,120 |
| Average total loans | $22,962,500 | 5,280 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6921% | 5,595 |
| Cost of funding earning assets | 0.2030% | 4,946 |
| Net interest margin | 2.4890% | 5,512 |
| Noninterest income to average assets | 0.2597% | 4,674 |
| Noninterest expense to average assets | 1.9676% | 5,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5682% | 4,437 |
| Return on assets (ROA) | 0.5682% | 4,488 |
| Pretax return on assets | 0.6007% | 4,804 |
| Return on Equity (ROE) | 5.6479% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.6479% | 2,325 |
| Net charge-offs to loans | 0.1570% | 1,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 10.2778% | 2,352 |
| Efficiency ratio | 76.6119% | 1,631 |
| Assets per employee ($millions) | 4.7562% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 4,997 |
| Loan loss allowance to noncurrent loans | 145.4545% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 4,393 |
| Noncurrent loans to loans | 0.5353% | 3,151 |
| Net loans and leases to total assets | 36.2769% | 5,373 |
| Net loans and leases to deposits | 40.4976% | 5,439 |
| Net loans and leases to core deposits | 41.7885% | 5,448 |
| Total domestic deposits to total assets | 89.5779% | 700 |
| Equity capital to assets | 10.3073% | 3,562 |
| Core capital (leverage) ratio | 10.3842% | 3,038 |
| Tier 1 risk-based capital ratio | 22.2253% | 1,023 |
| Total risk-based capital ratio | 22.8404% | 1,078 |
| Memoranda: | ||
| Average total assets | $61,599,330 | 5,028 |
| Average earning assets | $57,130,330 | 5,018 |
| Average equity | $6,197,000 | 5,160 |
| Average total loans | $22,936,000 | 5,318 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6320% | 5,673 |
| Cost of funding earning assets | 0.2100% | 4,884 |
| Net interest margin | 2.4220% | 5,607 |
| Noninterest income to average assets | 0.2797% | 4,553 |
| Noninterest expense to average assets | 1.9908% | 5,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5140% | 4,542 |
| Return on assets (ROA) | 0.5140% | 4,572 |
| Pretax return on assets | 0.5400% | 4,867 |
| Return on Equity (ROE) | 5.1727% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.1727% | 2,799 |
| Net charge-offs to loans | 0.3117% | 593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.6111% | 2,368 |
| Efficiency ratio | 78.6632% | 1,538 |
| Assets per employee ($millions) | 4.6852% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7617% | 5,172 |
| Loan loss allowance to noncurrent loans | 94.6237% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 3,970 |
| Noncurrent loans to loans | 0.8050% | 2,436 |
| Net loans and leases to total assets | 37.6469% | 5,340 |
| Net loans and leases to deposits | 41.9403% | 5,419 |
| Net loans and leases to core deposits | 43.2952% | 5,434 |
| Total domestic deposits to total assets | 89.7632% | 769 |
| Equity capital to assets | 10.1629% | 3,555 |
| Core capital (leverage) ratio | 9.8962% | 3,630 |
| Tier 1 risk-based capital ratio | 22.1053% | 1,076 |
| Total risk-based capital ratio | 22.7419% | 1,132 |
| Memoranda: | ||
| Average total assets | $61,484,000 | 5,084 |
| Average earning assets | $57,142,500 | 5,070 |
| Average equity | $6,109,000 | 5,220 |
| Average total loans | $23,101,000 | 5,369 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5709% | 5,734 |
| Cost of funding earning assets | 0.2117% | 4,912 |
| Net interest margin | 2.3592% | 5,678 |
| Noninterest income to average assets | 0.2428% | 4,975 |
| Noninterest expense to average assets | 2.0041% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3956% | 4,956 |
| Return on assets (ROA) | 0.4459% | 4,891 |
| Pretax return on assets | 0.4665% | 5,094 |
| Return on Equity (ROE) | 4.5992% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.5992% | 2,637 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8740% | 1,105 |
| Assets per employee ($millions) | 4.4329% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 4,989 |
| Loan loss allowance to noncurrent loans | 85.4626% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 3,816 |
| Noncurrent loans to loans | 0.9829% | 2,130 |
| Net loans and leases to total assets | 36.9030% | 5,453 |
| Net loans and leases to deposits | 40.9535% | 5,521 |
| Net loans and leases to core deposits | 42.2421% | 5,540 |
| Total domestic deposits to total assets | 90.1096% | 594 |
| Equity capital to assets | 9.7132% | 4,049 |
| Core capital (leverage) ratio | 9.1306% | 4,583 |
| Tier 1 risk-based capital ratio | 19.9854% | 1,374 |
| Total risk-based capital ratio | 20.6600% | 1,461 |
| Memoranda: | ||
| Average total assets | $63,019,400 | 5,075 |
| Average earning assets | $58,112,600 | 5,067 |
| Average equity | $6,109,800 | 5,262 |
| Average total loans | $23,155,800 | 5,415 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5741% | 5,801 |
| Cost of funding earning assets | 0.2128% | 4,947 |
| Net interest margin | 2.3613% | 5,740 |
| Noninterest income to average assets | 0.2382% | 5,050 |
| Noninterest expense to average assets | 2.0023% | 5,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3878% | 5,061 |
| Return on assets (ROA) | 0.4532% | 4,948 |
| Pretax return on assets | 0.4805% | 5,171 |
| Return on Equity (ROE) | 4.6762% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.6762% | 3,038 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9694% | 1,075 |
| Assets per employee ($millions) | 4.3791% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 4,960 |
| Loan loss allowance to noncurrent loans | 68.0702% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 3,571 |
| Noncurrent loans to loans | 1.2830% | 1,742 |
| Net loans and leases to total assets | 35.9176% | 5,553 |
| Net loans and leases to deposits | 40.0786% | 5,631 |
| Net loans and leases to core deposits | 41.3622% | 5,651 |
| Total domestic deposits to total assets | 89.6178% | 617 |
| Equity capital to assets | 10.2354% | 3,873 |
| Core capital (leverage) ratio | 9.6127% | 4,039 |
| Tier 1 risk-based capital ratio | 22.0047% | 1,137 |
| Total risk-based capital ratio | 22.7093% | 1,184 |
| Memoranda: | ||
| Average total assets | $63,259,250 | 5,115 |
| Average earning assets | $58,271,000 | 5,107 |
| Average equity | $6,130,250 | 5,313 |
| Average total loans | $23,170,750 | 5,468 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5321% | 5,893 |
| Cost of funding earning assets | 0.2127% | 5,010 |
| Net interest margin | 2.3194% | 5,852 |
| Noninterest income to average assets | 0.1815% | 5,407 |
| Noninterest expense to average assets | 1.8714% | 5,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4370% | 4,915 |
| Return on assets (ROA) | 0.5351% | 4,651 |
| Pretax return on assets | 0.5633% | 4,990 |
| Return on Equity (ROE) | 5.6232% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.6232% | 2,352 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2685% | 1,467 |
| Assets per employee ($millions) | 4.5554% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8322% | 5,188 |
| Loan loss allowance to noncurrent loans | 86.2222% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 4,076 |
| Noncurrent loans to loans | 0.9652% | 2,348 |
| Net loans and leases to total assets | 36.2472% | 5,595 |
| Net loans and leases to deposits | 40.2434% | 5,680 |
| Net loans and leases to core deposits | 41.4722% | 5,697 |
| Total domestic deposits to total assets | 90.0699% | 465 |
| Equity capital to assets | 9.8140% | 4,433 |
| Core capital (leverage) ratio | 9.6006% | 4,071 |
| Tier 1 risk-based capital ratio | 24.0928% | 896 |
| Total risk-based capital ratio | 24.8605% | 922 |
| Memoranda: | ||
| Average total assets | $63,910,000 | 5,147 |
| Average earning assets | $59,239,330 | 5,133 |
| Average equity | $6,082,000 | 5,371 |
| Average total loans | $23,489,670 | 5,521 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5482% | 5,953 |
| Cost of funding earning assets | 0.2169% | 5,037 |
| Net interest margin | 2.3314% | 5,912 |
| Noninterest income to average assets | 0.2063% | 5,259 |
| Noninterest expense to average assets | 2.0695% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2763% | 5,364 |
| Return on assets (ROA) | 0.4564% | 4,887 |
| Pretax return on assets | 0.4752% | 5,149 |
| Return on Equity (ROE) | 4.8719% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.8719% | 3,019 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7984% | 829 |
| Assets per employee ($millions) | 4.5117% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8417% | 5,250 |
| Loan loss allowance to noncurrent loans | 412.7660% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 5,284 |
| Noncurrent loans to loans | 0.2039% | 4,691 |
| Net loans and leases to total assets | 36.1820% | 5,629 |
| Net loans and leases to deposits | 40.0449% | 5,716 |
| Net loans and leases to core deposits | 41.2765% | 5,739 |
| Total domestic deposits to total assets | 90.3537% | 482 |
| Equity capital to assets | 9.5830% | 4,579 |
| Core capital (leverage) ratio | 9.3335% | 4,450 |
| Tier 1 risk-based capital ratio | 23.4127% | 977 |
| Total risk-based capital ratio | 24.1721% | 1,002 |
| Memoranda: | ||
| Average total assets | $63,977,000 | 5,198 |
| Average earning assets | $59,021,500 | 5,185 |
| Average equity | $5,993,500 | 5,424 |
| Average total loans | $23,579,000 | 5,568 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5598% | 5,980 |
| Cost of funding earning assets | 0.2285% | 5,019 |
| Net interest margin | 2.3314% | 5,930 |
| Noninterest income to average assets | 0.2425% | 5,144 |
| Noninterest expense to average assets | 2.2029% | 5,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1951% | 5,585 |
| Return on assets (ROA) | 0.2058% | 5,623 |
| Pretax return on assets | 0.2153% | 5,667 |
| Return on Equity (ROE) | 2.1978% | 5,522 |
| Retained earnings to average equity (ytd only) | 2.1978% | 4,467 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5176% | 599 |
| Assets per employee ($millions) | 4.6279% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8046% | 5,397 |
| Loan loss allowance to noncurrent loans | 86.2222% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 4,199 |
| Noncurrent loans to loans | 0.9332% | 2,472 |
| Net loans and leases to total assets | 36.9131% | 5,671 |
| Net loans and leases to deposits | 40.7122% | 5,749 |
| Net loans and leases to core deposits | 42.2582% | 5,757 |
| Total domestic deposits to total assets | 90.6683% | 390 |
| Equity capital to assets | 9.1588% | 4,959 |
| Core capital (leverage) ratio | 9.1638% | 4,671 |
| Tier 1 risk-based capital ratio | 21.6386% | 1,196 |
| Total risk-based capital ratio | 22.3618% | 1,254 |
| Memoranda: | ||
| Average total assets | $62,690,600 | 5,250 |
| Average earning assets | $58,206,600 | 5,235 |
| Average equity | $5,869,600 | 5,464 |
| Average total loans | $22,854,200 | 5,625 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5608% | 6,061 |
| Cost of funding earning assets | 0.2303% | 5,091 |
| Net interest margin | 2.3305% | 6,016 |
| Noninterest income to average assets | 0.2402% | 5,211 |
| Noninterest expense to average assets | 2.1919% | 5,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2088% | 5,662 |
| Return on assets (ROA) | 0.2230% | 5,703 |
| Pretax return on assets | 0.2338% | 5,747 |
| Return on Equity (ROE) | 2.3688% | 5,587 |
| Retained earnings to average equity (ytd only) | 2.3688% | 4,697 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9253% | 636 |
| Assets per employee ($millions) | 4.2909% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 5,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 36.9500% | 5,752 |
| Net loans and leases to deposits | 41.0539% | 5,832 |
| Net loans and leases to core deposits | 42.7531% | 5,832 |
| Total domestic deposits to total assets | 90.0038% | 563 |
| Equity capital to assets | 9.8630% | 4,323 |
| Core capital (leverage) ratio | 9.4541% | 4,359 |
| Tier 1 risk-based capital ratio | 22.8131% | 1,081 |
| Total risk-based capital ratio | 23.5734% | 1,129 |
| Memoranda: | ||
| Average total assets | $62,165,750 | 5,336 |
| Average earning assets | $57,897,750 | 5,311 |
| Average equity | $5,853,500 | 5,536 |
| Average total loans | $22,540,250 | 5,704 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5139% | 6,160 |
| Cost of funding earning assets | 0.2313% | 5,129 |
| Net interest margin | 2.2826% | 6,107 |
| Noninterest income to average assets | 0.2036% | 5,465 |
| Noninterest expense to average assets | 2.1539% | 5,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1761% | 5,747 |
| Return on assets (ROA) | 0.1973% | 5,762 |
| Pretax return on assets | 0.2068% | 5,807 |
| Return on Equity (ROE) | 2.1271% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.1271% | 4,646 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1088% | 634 |
| Assets per employee ($millions) | 4.4395% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 5,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 36.2798% | 5,803 |
| Net loans and leases to deposits | 40.0430% | 5,898 |
| Net loans and leases to core deposits | 41.6294% | 5,914 |
| Total domestic deposits to total assets | 90.6022% | 416 |
| Equity capital to assets | 9.3141% | 4,882 |
| Core capital (leverage) ratio | 9.1832% | 4,717 |
| Tier 1 risk-based capital ratio | 23.1065% | 1,067 |
| Total risk-based capital ratio | 23.8746% | 1,104 |
| Memoranda: | ||
| Average total assets | $62,863,330 | 5,377 |
| Average earning assets | $58,793,670 | 5,334 |
| Average equity | $5,829,670 | 5,595 |
| Average total loans | $22,590,000 | 5,758 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4860% | 6,225 |
| Cost of funding earning assets | 0.2345% | 5,170 |
| Net interest margin | 2.2514% | 6,178 |
| Noninterest income to average assets | 0.2594% | 5,103 |
| Noninterest expense to average assets | 2.2019% | 5,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1785% | 5,728 |
| Return on assets (ROA) | 0.2215% | 5,720 |
| Pretax return on assets | 0.2278% | 5,793 |
| Return on Equity (ROE) | 2.3932% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.3932% | 4,494 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3077% | 691 |
| Assets per employee ($millions) | 4.6069% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8658% | 5,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 34.4388% | 5,908 |
| Net loans and leases to deposits | 37.9588% | 5,991 |
| Net loans and leases to core deposits | 39.7744% | 5,984 |
| Total domestic deposits to total assets | 90.7267% | 462 |
| Equity capital to assets | 9.2082% | 5,077 |
| Core capital (leverage) ratio | 8.7405% | 5,275 |
| Tier 1 risk-based capital ratio | 20.0856% | 1,594 |
| Total risk-based capital ratio | 20.0856% | 1,873 |
| Memoranda: | ||
| Average total assets | $63,219,000 | 5,417 |
| Average earning assets | $59,695,000 | 5,360 |
| Average equity | $5,850,000 | 5,639 |
| Average total loans | $22,513,000 | 5,805 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5833% | 6,303 |
| Cost of funding earning assets | 0.2475% | 5,354 |
| Net interest margin | 2.3358% | 6,254 |
| Noninterest income to average assets | 0.2998% | 4,980 |
| Noninterest expense to average assets | 2.0985% | 5,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3680% | 5,332 |
| Return on assets (ROA) | 0.3680% | 5,399 |
| Pretax return on assets | 0.3870% | 5,516 |
| Return on Equity (ROE) | 4.2254% | 5,012 |
| Retained earnings to average equity (ytd only) | 4.2254% | 3,183 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4288% | 1,352 |
| Assets per employee ($millions) | 4.4244% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 5,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 36.2054% | 5,942 |
| Net loans and leases to deposits | 39.9986% | 6,037 |
| Net loans and leases to core deposits | 41.9963% | 6,043 |
| Total domestic deposits to total assets | 90.5168% | 533 |
| Equity capital to assets | 9.3008% | 4,949 |
| Core capital (leverage) ratio | 9.1456% | 4,759 |
| Tier 1 risk-based capital ratio | 20.7466% | 1,454 |
| Total risk-based capital ratio | 21.4437% | 1,532 |
| Memoranda: | ||
| Average total assets | $63,043,600 | 5,475 |
| Average earning assets | $58,995,200 | 5,430 |
| Average equity | $5,490,600 | 5,743 |
| Average total loans | $22,711,600 | 5,867 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5783% | 6,386 |
| Cost of funding earning assets | 0.2506% | 5,401 |
| Net interest margin | 2.3277% | 6,326 |
| Noninterest income to average assets | 0.3159% | 4,914 |
| Noninterest expense to average assets | 2.0509% | 5,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4169% | 5,186 |
| Return on assets (ROA) | 0.4169% | 5,262 |
| Pretax return on assets | 0.4359% | 5,506 |
| Return on Equity (ROE) | 4.8680% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.8680% | 3,177 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4725% | 1,555 |
| Assets per employee ($millions) | 4.5157% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 5,472 |
| Loan loss allowance to noncurrent loans | 4,280.0000% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 6,166 |
| Noncurrent loans to loans | 0.0219% | 5,937 |
| Net loans and leases to total assets | 35.7355% | 6,037 |
| Net loans and leases to deposits | 39.3034% | 6,140 |
| Net loans and leases to core deposits | 41.2157% | 6,144 |
| Total domestic deposits to total assets | 90.9222% | 384 |
| Equity capital to assets | 8.9465% | 5,407 |
| Core capital (leverage) ratio | 8.8454% | 5,275 |
| Tier 1 risk-based capital ratio | 20.3228% | 1,592 |
| Total risk-based capital ratio | 21.0839% | 1,681 |
| Memoranda: | ||
| Average total assets | $63,319,250 | 5,527 |
| Average earning assets | $59,056,500 | 5,485 |
| Average equity | $5,423,000 | 5,818 |
| Average total loans | $22,734,500 | 5,926 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5869% | 6,446 |
| Cost of funding earning assets | 0.2512% | 5,472 |
| Net interest margin | 2.3357% | 6,391 |
| Noninterest income to average assets | 0.3125% | 4,920 |
| Noninterest expense to average assets | 2.0047% | 5,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4578% | 4,983 |
| Return on assets (ROA) | 0.4578% | 5,053 |
| Pretax return on assets | 0.4799% | 5,334 |
| Return on Equity (ROE) | 5.4253% | 4,472 |
| Retained earnings to average equity (ytd only) | 5.4253% | 2,691 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6861% | 1,921 |
| Assets per employee ($millions) | 4.7094% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 5,534 |
| Loan loss allowance to noncurrent loans | 106.4356% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 5,145 |
| Noncurrent loans to loans | 0.8993% | 3,457 |
| Net loans and leases to total assets | 33.7408% | 6,165 |
| Net loans and leases to deposits | 36.9100% | 6,270 |
| Net loans and leases to core deposits | 38.6155% | 6,256 |
| Total domestic deposits to total assets | 91.4139% | 282 |
| Equity capital to assets | 8.4754% | 5,820 |
| Core capital (leverage) ratio | 8.9975% | 5,021 |
| Tier 1 risk-based capital ratio | 20.1358% | 1,652 |
| Total risk-based capital ratio | 20.8964% | 1,741 |
| Memoranda: | ||
| Average total assets | $63,352,330 | 5,576 |
| Average earning assets | $58,912,330 | 5,535 |
| Average equity | $5,345,330 | 5,877 |
| Average total loans | $22,710,670 | 5,969 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6217% | 6,505 |
| Cost of funding earning assets | 0.2559% | 5,528 |
| Net interest margin | 2.3658% | 6,439 |
| Noninterest income to average assets | 0.4834% | 3,541 |
| Noninterest expense to average assets | 2.0624% | 5,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6123% | 4,143 |
| Return on assets (ROA) | 0.6123% | 4,220 |
| Pretax return on assets | 0.6252% | 4,741 |
| Return on Equity (ROE) | 7.2741% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.2741% | 1,915 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7386% | 2,682 |
| Assets per employee ($millions) | 4.4243% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 5,741 |
| Loan loss allowance to noncurrent loans | 860.0000% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 6,169 |
| Noncurrent loans to loans | 0.1092% | 5,798 |
| Net loans and leases to total assets | 36.6145% | 6,036 |
| Net loans and leases to deposits | 40.1185% | 6,168 |
| Net loans and leases to core deposits | 42.1011% | 6,154 |
| Total domestic deposits to total assets | 91.2657% | 462 |
| Equity capital to assets | 8.6600% | 5,485 |
| Core capital (leverage) ratio | 8.9559% | 5,080 |
| Tier 1 risk-based capital ratio | 18.6038% | 2,091 |
| Total risk-based capital ratio | 19.3131% | 2,248 |
| Memoranda: | ||
| Average total assets | $62,062,500 | 5,662 |
| Average earning assets | $57,824,000 | 5,615 |
| Average equity | $5,224,000 | 5,943 |
| Average total loans | $22,835,500 | 6,025 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6369% | 6,575 |
| Cost of funding earning assets | 0.2895% | 5,679 |
| Net interest margin | 2.3474% | 6,487 |
| Noninterest income to average assets | 0.1968% | 5,908 |
| Noninterest expense to average assets | 2.0169% | 6,001 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3486% | 5,338 |
| Return on assets (ROA) | 0.3822% | 5,323 |
| Pretax return on assets | 0.4050% | 5,485 |
| Return on Equity (ROE) | 4.4153% | 4,931 |
| Retained earnings to average equity (ytd only) | 4.4153% | 3,034 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5262% | 1,574 |
| Assets per employee ($millions) | 4.4418% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 5,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 36.2821% | 6,190 |
| Net loans and leases to deposits | 39.5957% | 6,315 |
| Net loans and leases to core deposits | 41.5331% | 6,319 |
| Total domestic deposits to total assets | 91.6314% | 368 |
| Equity capital to assets | 8.1756% | 5,890 |
| Core capital (leverage) ratio | 8.8674% | 5,187 |
| Tier 1 risk-based capital ratio | 17.8206% | 2,300 |
| Total risk-based capital ratio | 18.5117% | 2,480 |
| Memoranda: | ||
| Average total assets | $61,480,600 | 5,716 |
| Average earning assets | $57,340,600 | 5,672 |
| Average equity | $5,322,400 | 5,979 |
| Average total loans | $22,237,200 | 6,108 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6156% | 6,657 |
| Cost of funding earning assets | 0.2932% | 5,786 |
| Net interest margin | 2.3224% | 6,572 |
| Noninterest income to average assets | 0.1870% | 6,074 |
| Noninterest expense to average assets | 1.9443% | 6,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3956% | 5,259 |
| Return on assets (ROA) | 0.4415% | 5,203 |
| Pretax return on assets | 0.4611% | 5,473 |
| Return on Equity (ROE) | 5.0290% | 4,709 |
| Retained earnings to average equity (ytd only) | 5.0290% | 3,058 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4723% | 1,767 |
| Assets per employee ($millions) | 4.3167% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 5,946 |
| Loan loss allowance to noncurrent loans | 796.2963% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 6,128 |
| Noncurrent loans to loans | 0.1182% | 5,971 |
| Net loans and leases to total assets | 37.4359% | 6,202 |
| Net loans and leases to deposits | 40.9952% | 6,352 |
| Net loans and leases to core deposits | 43.0695% | 6,344 |
| Total domestic deposits to total assets | 91.3178% | 414 |
| Equity capital to assets | 8.5382% | 5,691 |
| Core capital (leverage) ratio | 8.9947% | 5,138 |
| Tier 1 risk-based capital ratio | 20.0567% | 1,723 |
| Total risk-based capital ratio | 20.8386% | 1,804 |
| Memoranda: | ||
| Average total assets | $61,304,500 | 5,785 |
| Average earning assets | $57,295,250 | 5,735 |
| Average equity | $5,382,000 | 6,040 |
| Average total loans | $22,102,250 | 6,178 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5847% | 6,706 |
| Cost of funding earning assets | 0.2996% | 5,832 |
| Net interest margin | 2.2851% | 6,634 |
| Noninterest income to average assets | 0.2013% | 6,003 |
| Noninterest expense to average assets | 1.9515% | 6,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3582% | 5,373 |
| Return on assets (ROA) | 0.4254% | 5,280 |
| Pretax return on assets | 0.4513% | 5,515 |
| Return on Equity (ROE) | 4.8021% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.8021% | 3,183 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7047% | 1,669 |
| Assets per employee ($millions) | 4.3816% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 5,935 |
| Loan loss allowance to noncurrent loans | 1,188.8889% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 6,445 |
| Noncurrent loans to loans | 0.0815% | 6,150 |
| Net loans and leases to total assets | 35.6455% | 6,320 |
| Net loans and leases to deposits | 38.9518% | 6,452 |
| Net loans and leases to core deposits | 41.3018% | 6,427 |
| Total domestic deposits to total assets | 91.5117% | 377 |
| Equity capital to assets | 8.3563% | 5,912 |
| Core capital (leverage) ratio | 8.8151% | 5,271 |
| Tier 1 risk-based capital ratio | 20.3517% | 1,640 |
| Total risk-based capital ratio | 21.1560% | 1,714 |
| Memoranda: | ||
| Average total assets | $61,594,670 | 5,819 |
| Average earning assets | $57,414,330 | 5,764 |
| Average equity | $5,456,000 | 6,058 |
| Average total loans | $21,856,670 | 6,230 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5694% | 6,792 |
| Cost of funding earning assets | 0.3133% | 5,859 |
| Net interest margin | 2.2561% | 6,719 |
| Noninterest income to average assets | 0.3824% | 4,601 |
| Noninterest expense to average assets | 1.8665% | 6,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5898% | 4,269 |
| Return on assets (ROA) | 0.5898% | 4,418 |
| Pretax return on assets | 0.6157% | 4,894 |
| Return on Equity (ROE) | 6.4757% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.4757% | 2,417 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1958% | 3,062 |
| Assets per employee ($millions) | 4.4759% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 5,872 |
| Loan loss allowance to noncurrent loans | 1,188.8889% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 6,521 |
| Noncurrent loans to loans | 0.0867% | 6,220 |
| Net loans and leases to total assets | 32.8040% | 6,475 |
| Net loans and leases to deposits | 36.0936% | 6,568 |
| Net loans and leases to core deposits | 38.2373% | 6,554 |
| Total domestic deposits to total assets | 90.8862% | 574 |
| Equity capital to assets | 9.0021% | 5,479 |
| Core capital (leverage) ratio | 8.6577% | 5,382 |
| Tier 1 risk-based capital ratio | 20.9955% | 1,538 |
| Total risk-based capital ratio | 21.8277% | 1,606 |
| Memoranda: | ||
| Average total assets | $61,720,500 | 5,869 |
| Average earning assets | $57,445,000 | 5,813 |
| Average equity | $5,621,000 | 6,072 |
| Average total loans | $21,745,000 | 6,285 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8010% | 6,852 |
| Cost of funding earning assets | 0.4114% | 5,844 |
| Net interest margin | 2.3896% | 6,787 |
| Noninterest income to average assets | 0.3187% | 5,177 |
| Noninterest expense to average assets | 1.9866% | 6,355 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4729% | 4,792 |
| Return on assets (ROA) | 0.4729% | 5,046 |
| Pretax return on assets | 0.4983% | 5,286 |
| Return on Equity (ROE) | 5.1174% | 4,625 |
| Retained earnings to average equity (ytd only) | 5.1174% | 2,626 |
| Net charge-offs to loans | -0.0457% | 6,690 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9454% | 2,156 |
| Assets per employee ($millions) | 4.3413% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 6,155 |
| Loan loss allowance to noncurrent loans | 1,188.8889% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 6,586 |
| Noncurrent loans to loans | 0.0792% | 6,287 |
| Net loans and leases to total assets | 37.0298% | 6,368 |
| Net loans and leases to deposits | 40.8962% | 6,510 |
| Net loans and leases to core deposits | 43.4085% | 6,490 |
| Total domestic deposits to total assets | 90.5459% | 684 |
| Equity capital to assets | 9.2155% | 5,251 |
| Core capital (leverage) ratio | 8.7738% | 5,223 |
| Tier 1 risk-based capital ratio | 19.9422% | 1,696 |
| Total risk-based capital ratio | 20.7460% | 1,783 |
| Memoranda: | ||
| Average total assets | $58,995,400 | 5,946 |
| Average earning assets | $53,481,000 | 5,941 |
| Average equity | $5,452,000 | 6,163 |
| Average total loans | $21,866,800 | 6,345 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8340% | 6,961 |
| Cost of funding earning assets | 0.4236% | 5,965 |
| Net interest margin | 2.4104% | 6,885 |
| Noninterest income to average assets | 0.3165% | 5,249 |
| Noninterest expense to average assets | 2.0131% | 6,331 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4577% | 5,002 |
| Return on assets (ROA) | 0.4577% | 5,251 |
| Pretax return on assets | 0.4805% | 5,520 |
| Return on Equity (ROE) | 4.9493% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.9493% | 3,399 |
| Net charge-offs to loans | -0.0554% | 6,737 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7306% | 1,984 |
| Assets per employee ($millions) | 4.2827% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 6,056 |
| Loan loss allowance to noncurrent loans | 856.0000% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 6,659 |
| Noncurrent loans to loans | 0.1175% | 6,317 |
| Net loans and leases to total assets | 35.1146% | 6,606 |
| Net loans and leases to deposits | 38.7713% | 6,727 |
| Net loans and leases to core deposits | 41.7829% | 6,675 |
| Total domestic deposits to total assets | 90.5684% | 573 |
| Equity capital to assets | 9.2498% | 5,534 |
| Core capital (leverage) ratio | 8.6254% | 5,589 |
| Tier 1 risk-based capital ratio | 20.6352% | 1,609 |
| Total risk-based capital ratio | 21.4796% | 1,669 |
| Memoranda: | ||
| Average total assets | $58,549,750 | 6,027 |
| Average earning assets | $52,880,250 | 6,030 |
| Average equity | $5,414,750 | 6,239 |
| Average total loans | $21,653,500 | 6,438 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8754% | 7,023 |
| Cost of funding earning assets | 0.4397% | 6,035 |
| Net interest margin | 2.4357% | 6,941 |
| Noninterest income to average assets | 0.2583% | 5,728 |
| Noninterest expense to average assets | 2.0041% | 6,424 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4270% | 5,122 |
| Return on assets (ROA) | 0.4270% | 5,353 |
| Pretax return on assets | 0.4477% | 5,582 |
| Return on Equity (ROE) | 4.6174% | 4,988 |
| Retained earnings to average equity (ytd only) | 4.6174% | 3,539 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7416% | 1,917 |
| Assets per employee ($millions) | 4.2779% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 6,269 |
| Loan loss allowance to noncurrent loans | 683.3333% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 6,701 |
| Noncurrent loans to loans | 0.1416% | 6,308 |
| Net loans and leases to total assets | 35.0209% | 6,665 |
| Net loans and leases to deposits | 38.6055% | 6,776 |
| Net loans and leases to core deposits | 41.4138% | 6,756 |
| Total domestic deposits to total assets | 90.7146% | 555 |
| Equity capital to assets | 9.1050% | 5,575 |
| Core capital (leverage) ratio | 8.6939% | 5,394 |
| Tier 1 risk-based capital ratio | 19.6620% | 1,796 |
| Total risk-based capital ratio | 20.4441% | 1,890 |
| Memoranda: | ||
| Average total assets | $58,080,330 | 6,076 |
| Average earning assets | $52,306,330 | 6,083 |
| Average equity | $5,371,000 | 6,276 |
| Average total loans | $21,782,000 | 6,480 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9530% | 7,058 |
| Cost of funding earning assets | 0.4687% | 6,025 |
| Net interest margin | 2.4843% | 6,965 |
| Noninterest income to average assets | 0.3078% | 5,421 |
| Noninterest expense to average assets | 1.9799% | 6,501 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5247% | 4,712 |
| Return on assets (ROA) | 0.5247% | 4,923 |
| Pretax return on assets | 0.5527% | 5,269 |
| Return on Equity (ROE) | 5.6285% | 4,483 |
| Retained earnings to average equity (ytd only) | 5.6285% | 3,180 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1768% | 2,471 |
| Assets per employee ($millions) | 4.1747% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 6,364 |
| Loan loss allowance to noncurrent loans | 266.2338% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 6,236 |
| Noncurrent loans to loans | 0.3638% | 5,944 |
| Net loans and leases to total assets | 35.8622% | 6,630 |
| Net loans and leases to deposits | 39.5233% | 6,757 |
| Net loans and leases to core deposits | 42.4747% | 6,723 |
| Total domestic deposits to total assets | 90.7367% | 670 |
| Equity capital to assets | 9.1298% | 5,323 |
| Core capital (leverage) ratio | 8.7347% | 5,240 |
| Tier 1 risk-based capital ratio | 19.6520% | 1,796 |
| Total risk-based capital ratio | 20.4412% | 1,904 |
| Memoranda: | ||
| Average total assets | $57,175,500 | 6,148 |
| Average earning assets | $51,202,500 | 6,147 |
| Average equity | $5,330,000 | 6,323 |
| Average total loans | $22,083,500 | 6,506 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3673% | 7,072 |
| Cost of funding earning assets | 0.6194% | 5,987 |
| Net interest margin | 2.7480% | 6,885 |
| Noninterest income to average assets | 0.3694% | 4,865 |
| Noninterest expense to average assets | 2.2474% | 6,168 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5732% | 4,128 |
| Return on assets (ROA) | 0.5732% | 4,313 |
| Pretax return on assets | 0.6005% | 4,693 |
| Return on Equity (ROE) | 6.1859% | 3,775 |
| Retained earnings to average equity (ytd only) | 1.2765% | 5,257 |
| Net charge-offs to loans | 0.0841% | 5,482 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 17.3684% | 1,276 |
| Efficiency ratio | 78.9137% | 2,472 |
| Assets per employee ($millions) | 3.9932% | 3,870 |
| Cash dividends to net income (ytd only)* | 79.3651% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 6,563 |
| Loan loss allowance to noncurrent loans | 268.4211% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 6,289 |
| Noncurrent loans to loans | 0.3304% | 6,069 |
| Net loans and leases to total assets | 40.7799% | 6,487 |
| Net loans and leases to deposits | 45.2189% | 6,663 |
| Net loans and leases to core deposits | 48.8829% | 6,598 |
| Total domestic deposits to total assets | 90.1833% | 887 |
| Equity capital to assets | 9.5233% | 4,846 |
| Core capital (leverage) ratio | 8.8450% | 5,027 |
| Tier 1 risk-based capital ratio | 18.6425% | 2,009 |
| Total risk-based capital ratio | 19.4024% | 2,116 |
| Memoranda: | ||
| Average total assets | $54,952,600 | 6,201 |
| Average earning assets | $49,564,200 | 6,208 |
| Average equity | $5,092,200 | 6,410 |
| Average total loans | $22,594,200 | 6,526 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4049% | 7,137 |
| Cost of funding earning assets | 0.6396% | 6,097 |
| Net interest margin | 2.7653% | 6,928 |
| Noninterest income to average assets | 0.3314% | 5,212 |
| Noninterest expense to average assets | 2.3101% | 6,003 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5020% | 4,541 |
| Return on assets (ROA) | 0.5020% | 4,725 |
| Pretax return on assets | 0.5288% | 5,043 |
| Return on Equity (ROE) | 5.4558% | 4,308 |
| Retained earnings to average equity (ytd only) | -1.1654% | 6,179 |
| Net charge-offs to loans | 0.1186% | 4,839 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 10.8485% | 1,874 |
| Efficiency ratio | 81.3734% | 2,059 |
| Assets per employee ($millions) | 3.9946% | 3,854 |
| Cash dividends to net income (ytd only)* | 121.3610% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 6,554 |
| Loan loss allowance to noncurrent loans | 263.6364% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 6,697 |
| Noncurrent loans to loans | 0.3470% | 6,156 |
| Net loans and leases to total assets | 39.3169% | 6,689 |
| Net loans and leases to deposits | 43.4451% | 6,861 |
| Net loans and leases to core deposits | 46.8448% | 6,805 |
| Total domestic deposits to total assets | 90.4980% | 638 |
| Equity capital to assets | 9.2821% | 5,407 |
| Core capital (leverage) ratio | 8.7721% | 5,308 |
| Tier 1 risk-based capital ratio | 18.5304% | 2,083 |
| Total risk-based capital ratio | 19.2987% | 2,193 |
| Memoranda: | ||
| Average total assets | $54,714,500 | 6,253 |
| Average earning assets | $49,613,000 | 6,260 |
| Average equity | $5,034,250 | 6,487 |
| Average total loans | $22,492,250 | 6,598 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3946% | 7,216 |
| Cost of funding earning assets | 0.6510% | 6,227 |
| Net interest margin | 2.7436% | 6,981 |
| Noninterest income to average assets | 0.3351% | 5,208 |
| Noninterest expense to average assets | 2.3126% | 6,089 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5229% | 4,402 |
| Return on assets (ROA) | 0.5229% | 4,547 |
| Pretax return on assets | 0.5524% | 4,901 |
| Return on Equity (ROE) | 5.7005% | 4,117 |
| Retained earnings to average equity (ytd only) | -4.3356% | 6,506 |
| Net charge-offs to loans | 0.1505% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.8235% | 2,002 |
| Efficiency ratio | 80.7198% | 2,280 |
| Assets per employee ($millions) | 4.0458% | 3,666 |
| Cash dividends to net income (ytd only)* | 176.0563% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 6,619 |
| Loan loss allowance to noncurrent loans | 276.0000% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 6,757 |
| Noncurrent loans to loans | 0.3312% | 6,251 |
| Net loans and leases to total assets | 39.6091% | 6,775 |
| Net loans and leases to deposits | 43.6173% | 6,932 |
| Net loans and leases to core deposits | 46.9558% | 6,899 |
| Total domestic deposits to total assets | 90.8105% | 584 |
| Equity capital to assets | 8.9635% | 5,636 |
| Core capital (leverage) ratio | 8.8070% | 5,034 |
| Tier 1 risk-based capital ratio | 18.0860% | 2,144 |
| Total risk-based capital ratio | 18.8568% | 2,273 |
| Memoranda: | ||
| Average total assets | $54,311,000 | 6,320 |
| Average earning assets | $50,079,670 | 6,290 |
| Average equity | $4,982,000 | 6,537 |
| Average total loans | $22,592,670 | 6,655 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4387% | 7,245 |
| Cost of funding earning assets | 0.6747% | 6,278 |
| Net interest margin | 2.7639% | 6,956 |
| Noninterest income to average assets | 0.3763% | 4,905 |
| Noninterest expense to average assets | 2.3859% | 5,925 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5193% | 4,407 |
| Return on assets (ROA) | 0.5193% | 4,494 |
| Pretax return on assets | 0.5494% | 4,867 |
| Return on Equity (ROE) | 5.5933% | 4,116 |
| Retained earnings to average equity (ytd only) | -14.6722% | 7,033 |
| Net charge-offs to loans | 0.2836% | 2,934 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.5625% | 2,445 |
| Efficiency ratio | 81.2821% | 2,334 |
| Assets per employee ($millions) | 3.8736% | 4,132 |
| Cash dividends to net income (ytd only)* | 362.3188% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 6,607 |
| Loan loss allowance to noncurrent loans | 279.7297% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 6,823 |
| Noncurrent loans to loans | 0.3343% | 6,325 |
| Net loans and leases to total assets | 40.4381% | 6,747 |
| Net loans and leases to deposits | 44.4891% | 6,935 |
| Net loans and leases to core deposits | 48.0542% | 6,876 |
| Total domestic deposits to total assets | 90.8945% | 679 |
| Equity capital to assets | 8.9432% | 5,293 |
| Core capital (leverage) ratio | 8.9001% | 4,773 |
| Tier 1 risk-based capital ratio | 18.6839% | 1,903 |
| Total risk-based capital ratio | 19.4923% | 1,997 |
| Memoranda: | ||
| Average total assets | $53,146,000 | 6,408 |
| Average earning assets | $49,205,000 | 6,370 |
| Average equity | $4,934,500 | 6,587 |
| Average total loans | $22,568,000 | 6,709 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7297% | 7,294 |
| Cost of funding earning assets | 0.8679% | 6,310 |
| Net interest margin | 2.8617% | 6,954 |
| Noninterest income to average assets | 0.3859% | 5,015 |
| Noninterest expense to average assets | 2.3074% | 6,339 |
| Loan and lease loss provision to assets | 0.0039% | 7,028 |
| Net operating income to assets | 0.6418% | 3,476 |
| Return on assets (ROA) | 0.6418% | 3,629 |
| Pretax return on assets | 0.6767% | 4,060 |
| Return on Equity (ROE) | 6.5222% | 3,332 |
| Retained earnings to average equity (ytd only) | 1.1034% | 4,992 |
| Net charge-offs to loans | 0.0554% | 6,234 |
| Credit loss provision to net charge-offs | 16.6667% | 6,582 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 747 |
| Efficiency ratio | 77.2226% | 2,836 |
| Assets per employee ($millions) | 3.7186% | 4,420 |
| Cash dividends to net income (ytd only)* | 83.0816% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 6,493 |
| Loan loss allowance to noncurrent loans | 318.5714% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 6,904 |
| Noncurrent loans to loans | 0.3044% | 6,444 |
| Net loans and leases to total assets | 43.7487% | 6,734 |
| Net loans and leases to deposits | 48.6023% | 6,919 |
| Net loans and leases to core deposits | 53.0279% | 6,857 |
| Total domestic deposits to total assets | 90.0136% | 1,090 |
| Equity capital to assets | 9.6406% | 4,223 |
| Core capital (leverage) ratio | 9.3377% | 3,949 |
| Tier 1 risk-based capital ratio | 19.1063% | 1,692 |
| Total risk-based capital ratio | 19.9646% | 1,755 |
| Memoranda: | ||
| Average total assets | $51,572,600 | 6,480 |
| Average earning assets | $46,894,400 | 6,483 |
| Average equity | $5,075,000 | 6,642 |
| Average total loans | $21,644,200 | 6,845 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7653% | 7,422 |
| Cost of funding earning assets | 0.9055% | 6,377 |
| Net interest margin | 2.8598% | 7,063 |
| Noninterest income to average assets | 0.3861% | 5,068 |
| Noninterest expense to average assets | 2.2701% | 6,407 |
| Loan and lease loss provision to assets | 0.0052% | 6,958 |
| Net operating income to assets | 0.6634% | 3,586 |
| Return on assets (ROA) | 0.6634% | 3,750 |
| Pretax return on assets | 0.6971% | 4,236 |
| Return on Equity (ROE) | 6.7070% | 3,476 |
| Retained earnings to average equity (ytd only) | -0.4977% | 5,917 |
| Net charge-offs to loans | 0.0375% | 6,189 |
| Credit loss provision to net charge-offs | 33.3333% | 6,115 |
| Earnings coverage of net charge-offs (x) | 45.1650% | 614 |
| Efficiency ratio | 76.3731% | 2,877 |
| Assets per employee ($millions) | 3.6580% | 4,598 |
| Cash dividends to net income (ytd only)* | 107.4241% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 6,062 |
| Loan loss allowance to noncurrent loans | 162.4113% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 6,689 |
| Noncurrent loans to loans | 0.6598% | 5,885 |
| Net loans and leases to total assets | 41.2794% | 7,010 |
| Net loans and leases to deposits | 46.0607% | 7,173 |
| Net loans and leases to core deposits | 50.3513% | 7,110 |
| Total domestic deposits to total assets | 89.6196% | 1,065 |
| Equity capital to assets | 10.0992% | 4,022 |
| Core capital (leverage) ratio | 9.3926% | 4,067 |
| Tier 1 risk-based capital ratio | 19.7487% | 1,593 |
| Total risk-based capital ratio | 20.6739% | 1,632 |
| Memoranda: | ||
| Average total assets | $51,450,500 | 6,558 |
| Average earning assets | $46,529,000 | 6,576 |
| Average equity | $5,089,000 | 6,723 |
| Average total loans | $21,305,500 | 6,947 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 7,487 |
| Cost of funding earning assets | 0.9354% | 6,439 |
| Net interest margin | 2.8573% | 7,071 |
| Noninterest income to average assets | 0.4192% | 4,763 |
| Noninterest expense to average assets | 2.1424% | 6,784 |
| Loan and lease loss provision to assets | 0.0078% | 6,815 |
| Net operating income to assets | 0.8228% | 2,866 |
| Return on assets (ROA) | 0.8228% | 3,015 |
| Pretax return on assets | 0.8655% | 3,642 |
| Return on Equity (ROE) | 8.3772% | 2,724 |
| Retained earnings to average equity (ytd only) | -2.4895% | 6,227 |
| Net charge-offs to loans | 0.0564% | 5,603 |
| Credit loss provision to net charge-offs | 33.3333% | 5,688 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 769 |
| Efficiency ratio | 71.0425% | 3,979 |
| Assets per employee ($millions) | 3.7246% | 4,402 |
| Cash dividends to net income (ytd only)* | 129.7170% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 5,923 |
| Loan loss allowance to noncurrent loans | 162.4113% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 6,729 |
| Noncurrent loans to loans | 0.6794% | 5,892 |
| Net loans and leases to total assets | 39.3614% | 7,201 |
| Net loans and leases to deposits | 43.7811% | 7,327 |
| Net loans and leases to core deposits | 43.7811% | 7,405 |
| Total domestic deposits to total assets | 89.9051% | 966 |
| Equity capital to assets | 9.7881% | 4,283 |
| Core capital (leverage) ratio | 9.2340% | 4,240 |
| Tier 1 risk-based capital ratio | 19.9301% | 1,528 |
| Total risk-based capital ratio | 20.8721% | 1,554 |
| Memoranda: | ||
| Average total assets | $51,530,000 | 6,600 |
| Average earning assets | $46,827,330 | 6,595 |
| Average equity | $5,061,330 | 6,759 |
| Average total loans | $21,284,330 | 7,001 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 7,551 |
| Cost of funding earning assets | 0.9783% | 6,475 |
| Net interest margin | 2.8748% | 7,064 |
| Noninterest income to average assets | 0.3670% | 5,207 |
| Noninterest expense to average assets | 2.2490% | 6,549 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6950% | 3,460 |
| Return on assets (ROA) | 0.6950% | 3,574 |
| Pretax return on assets | 0.7341% | 4,113 |
| Return on Equity (ROE) | 7.0635% | 3,313 |
| Retained earnings to average equity (ytd only) | -14.7619% | 7,200 |
| Net charge-offs to loans | 0.1299% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 13.4286% | 1,496 |
| Efficiency ratio | 75.3927% | 3,331 |
| Assets per employee ($millions) | 3.6640% | 4,665 |
| Cash dividends to net income (ytd only)* | 308.9888% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 6,173 |
| Loan loss allowance to noncurrent loans | 443.1373% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 7,235 |
| Noncurrent loans to loans | 0.2397% | 6,862 |
| Net loans and leases to total assets | 41.0383% | 7,179 |
| Net loans and leases to deposits | 45.5068% | 7,344 |
| Net loans and leases to core deposits | 45.5068% | 7,444 |
| Total domestic deposits to total assets | 90.1805% | 902 |
| Equity capital to assets | 9.5894% | 4,388 |
| Core capital (leverage) ratio | 9.0649% | 4,447 |
| Tier 1 risk-based capital ratio | 19.0929% | 1,700 |
| Total risk-based capital ratio | 20.0065% | 1,747 |
| Memoranda: | ||
| Average total assets | $51,222,500 | 6,691 |
| Average earning assets | $46,612,000 | 6,678 |
| Average equity | $5,040,000 | 6,830 |
| Average total loans | $21,549,500 | 7,074 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 7,521 |
| Cost of funding earning assets | 1.4132% | 5,878 |
| Net interest margin | 2.9365% | 6,787 |
| Noninterest income to average assets | 0.3938% | 5,255 |
| Noninterest expense to average assets | 2.4590% | 6,276 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5968% | 3,339 |
| Return on assets (ROA) | 0.5968% | 3,422 |
| Pretax return on assets | 0.6153% | 3,864 |
| Return on Equity (ROE) | 5.5944% | 3,381 |
| Retained earnings to average equity (ytd only) | -2.0955% | 5,538 |
| Net charge-offs to loans | 0.0680% | 6,434 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 21.4286% | 1,001 |
| Efficiency ratio | 79.9867% | 2,893 |
| Assets per employee ($millions) | 3.4099% | 5,233 |
| Cash dividends to net income (ytd only)* | 137.4570% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 6,026 |
| Loan loss allowance to noncurrent loans | 144.4444% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4047% | 6,443 |
| Noncurrent loans to loans | 0.7424% | 5,773 |
| Net loans and leases to total assets | 42.2061% | 7,240 |
| Net loans and leases to deposits | 47.1859% | 7,387 |
| Net loans and leases to core deposits | 55.3865% | 7,424 |
| Total domestic deposits to total assets | 89.4465% | 1,242 |
| Equity capital to assets | 10.0901% | 3,633 |
| Core capital (leverage) ratio | 9.6955% | 3,462 |
| Tier 1 risk-based capital ratio | 19.4402% | 1,568 |
| Total risk-based capital ratio | 20.3627% | 1,595 |
| Memoranda: | ||
| Average total assets | $48,760,400 | 6,756 |
| Average earning assets | $44,509,200 | 6,742 |
| Average equity | $5,201,600 | 6,871 |
| Average total loans | $20,600,200 | 7,161 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 7,529 |
| Cost of funding earning assets | 1.4821% | 5,900 |
| Net interest margin | 2.9974% | 6,619 |
| Noninterest income to average assets | 0.4069% | 5,231 |
| Noninterest expense to average assets | 2.4195% | 6,354 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7004% | 3,207 |
| Return on assets (ROA) | 0.7004% | 3,263 |
| Pretax return on assets | 0.7363% | 3,746 |
| Return on Equity (ROE) | 6.4723% | 3,310 |
| Retained earnings to average equity (ytd only) | -3.7607% | 6,072 |
| Net charge-offs to loans | 0.0920% | 5,765 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 18.9963% | 1,320 |
| Efficiency ratio | 76.6667% | 3,387 |
| Assets per employee ($millions) | 3.2778% | 5,454 |
| Cash dividends to net income (ytd only)* | 158.1051% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 5,679 |
| Loan loss allowance to noncurrent loans | 160.6897% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 6,490 |
| Noncurrent loans to loans | 0.6888% | 5,923 |
| Net loans and leases to total assets | 42.3394% | 7,339 |
| Net loans and leases to deposits | 47.5698% | 7,512 |
| Net loans and leases to core deposits | 56.1226% | 7,537 |
| Total domestic deposits to total assets | 89.0048% | 1,192 |
| Equity capital to assets | 10.5599% | 3,442 |
| Core capital (leverage) ratio | 9.7087% | 3,634 |
| Tier 1 risk-based capital ratio | 20.1098% | 1,538 |
| Total risk-based capital ratio | 21.0720% | 1,553 |
| Memoranda: | ||
| Average total assets | $48,163,250 | 6,829 |
| Average earning assets | $44,170,750 | 6,810 |
| Average equity | $5,211,750 | 6,933 |
| Average total loans | $20,294,750 | 7,240 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 7,541 |
| Cost of funding earning assets | 1.5594% | 5,890 |
| Net interest margin | 3.0367% | 6,446 |
| Noninterest income to average assets | 0.3638% | 5,600 |
| Noninterest expense to average assets | 2.3417% | 6,639 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7694% | 2,972 |
| Return on assets (ROA) | 0.7694% | 3,075 |
| Pretax return on assets | 0.8070% | 3,648 |
| Return on Equity (ROE) | 7.0521% | 3,182 |
| Retained earnings to average equity (ytd only) | -8.2785% | 6,701 |
| Net charge-offs to loans | 0.0698% | 5,534 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 27.5714% | 1,055 |
| Efficiency ratio | 74.3692% | 3,977 |
| Assets per employee ($millions) | 3.3037% | 5,309 |
| Cash dividends to net income (ytd only)* | 217.3913% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 4,949 |
| Loan loss allowance to noncurrent loans | 174.6377% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 6,531 |
| Noncurrent loans to loans | 0.6867% | 5,874 |
| Net loans and leases to total assets | 40.0678% | 7,548 |
| Net loans and leases to deposits | 44.9271% | 7,674 |
| Net loans and leases to core deposits | 52.3394% | 7,699 |
| Total domestic deposits to total assets | 89.1840% | 1,179 |
| Equity capital to assets | 10.3217% | 3,597 |
| Core capital (leverage) ratio | 9.8162% | 3,498 |
| Tier 1 risk-based capital ratio | 20.5697% | 1,470 |
| Total risk-based capital ratio | 21.6021% | 1,469 |
| Memoranda: | ||
| Average total assets | $47,828,670 | 6,910 |
| Average earning assets | $43,863,670 | 6,889 |
| Average equity | $5,218,330 | 6,994 |
| Average total loans | $20,043,000 | 7,321 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 7,429 |
| Cost of funding earning assets | 1.6524% | 5,805 |
| Net interest margin | 3.1017% | 6,193 |
| Noninterest income to average assets | 0.3918% | 5,283 |
| Noninterest expense to average assets | 2.2996% | 6,543 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9113% | 2,653 |
| Return on assets (ROA) | 0.9113% | 2,800 |
| Pretax return on assets | 0.9539% | 3,521 |
| Return on Equity (ROE) | 8.1214% | 3,087 |
| Retained earnings to average equity (ytd only) | -22.2391% | 7,705 |
| Net charge-offs to loans | 0.0200% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 389 |
| Efficiency ratio | 70.6806% | 4,432 |
| Assets per employee ($millions) | 3.1441% | 5,757 |
| Cash dividends to net income (ytd only)* | 373.8318% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 4,424 |
| Loan loss allowance to noncurrent loans | 3,542.8571% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 7,261 |
| Noncurrent loans to loans | 0.0353% | 7,450 |
| Net loans and leases to total assets | 41.5089% | 7,495 |
| Net loans and leases to deposits | 46.6896% | 7,640 |
| Net loans and leases to core deposits | 54.7106% | 7,658 |
| Total domestic deposits to total assets | 88.9040% | 1,270 |
| Equity capital to assets | 10.7250% | 3,268 |
| Core capital (leverage) ratio | 10.0925% | 3,297 |
| Tier 1 risk-based capital ratio | 20.7967% | 1,479 |
| Total risk-based capital ratio | 21.8882% | 1,473 |
| Memoranda: | ||
| Average total assets | $46,965,000 | 6,994 |
| Average earning assets | $43,331,000 | 6,965 |
| Average equity | $5,270,000 | 7,024 |
| Average total loans | $20,016,000 | 7,358 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3595% | 7,522 |
| Cost of funding earning assets | 2.1569% | 5,796 |
| Net interest margin | 3.2025% | 6,359 |
| Noninterest income to average assets | 0.4671% | 4,904 |
| Noninterest expense to average assets | 2.4265% | 6,309 |
| Loan and lease loss provision to assets | 0.1107% | 5,954 |
| Net operating income to assets | 0.8944% | 3,024 |
| Return on assets (ROA) | 0.8944% | 2,866 |
| Pretax return on assets | 0.9542% | 3,544 |
| Return on Equity (ROE) | 7.8095% | 3,147 |
| Retained earnings to average equity (ytd only) | 2.0104% | 3,983 |
| Net charge-offs to loans | 0.2846% | 3,504 |
| Credit loss provision to net charge-offs | 87.7193% | 5,729 |
| Earnings coverage of net charge-offs (x) | 8.4386% | 2,882 |
| Efficiency ratio | 69.4990% | 4,447 |
| Assets per employee ($millions) | 3.1179% | 5,727 |
| Cash dividends to net income (ytd only)* | 74.2574% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 4,293 |
| Loan loss allowance to noncurrent loans | 366.1765% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 6,992 |
| Noncurrent loans to loans | 0.3365% | 6,371 |
| Net loans and leases to total assets | 42.6757% | 7,549 |
| Net loans and leases to deposits | 48.6924% | 7,681 |
| Net loans and leases to core deposits | 57.0062% | 7,710 |
| Total domestic deposits to total assets | 87.6435% | 1,642 |
| Equity capital to assets | 11.7214% | 2,486 |
| Core capital (leverage) ratio | 10.7830% | 2,757 |
| Tier 1 risk-based capital ratio | 21.8854% | 1,328 |
| Total risk-based capital ratio | 22.9716% | 1,314 |
| Memoranda: | ||
| Average total assets | $45,168,000 | 6,984 |
| Average earning assets | $42,653,600 | 6,916 |
| Average equity | $5,173,200 | 7,090 |
| Average total loans | $20,031,200 | 7,335 |