Home > Farmers Deposit Bank > Performance and Condition Ratios
Farmers Deposit Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9202% | 4,161 |
| Cost of funding earning assets | 0.3235% | 4,361 |
| Net interest margin | 3.5966% | 3,379 |
| Noninterest income to average assets | 0.9913% | 973 |
| Noninterest expense to average assets | 3.7972% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4536% | 4,847 |
| Return on assets (ROA) | 0.4735% | 4,817 |
| Pretax return on assets | 0.4735% | 4,936 |
| Return on Equity (ROE) | 3.2091% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.2091% | 4,139 |
| Net charge-offs to loans | 0.1417% | 1,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 6.4063% | 2,888 |
| Efficiency ratio | 89.3285% | 351 |
| Assets per employee ($millions) | 3.7996% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 2,608 |
| Loan loss allowance to noncurrent loans | 87.3188% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 3.1547% | 218 |
| Noncurrent loans to loans | 1.3775% | 1,212 |
| Net loans and leases to total assets | 52.1007% | 4,479 |
| Net loans and leases to deposits | 66.0829% | 4,192 |
| Net loans and leases to core deposits | 67.6964% | 4,309 |
| Total domestic deposits to total assets | 78.8414% | 4,348 |
| Equity capital to assets | 15.4070% | 636 |
| Core capital (leverage) ratio | 16.0954% | 504 |
| Tier 1 risk-based capital ratio | 29.8132% | 487 |
| Total risk-based capital ratio | 31.0031% | 482 |
| Memoranda: | ||
| Average total assets | $120,507,250 | 3,820 |
| Average earning assets | $109,210,000 | 3,858 |
| Average equity | $17,782,000 | 3,342 |
| Average total loans | $60,215,500 | 4,131 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8597% | 4,191 |
| Cost of funding earning assets | 0.2957% | 4,444 |
| Net interest margin | 3.5641% | 3,426 |
| Noninterest income to average assets | 0.9423% | 1,073 |
| Noninterest expense to average assets | 3.8409% | 644 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3244% | 5,087 |
| Return on assets (ROA) | 0.3489% | 5,049 |
| Pretax return on assets | 0.3489% | 5,109 |
| Return on Equity (ROE) | 2.3970% | 5,119 |
| Retained earnings to average equity (ytd only) | 2.3970% | 4,311 |
| Net charge-offs to loans | 0.0365% | 2,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 18.0909% | 1,922 |
| Efficiency ratio | 92.2114% | 301 |
| Assets per employee ($millions) | 3.7622% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 2,287 |
| Loan loss allowance to noncurrent loans | 82.1164% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 3.0958% | 229 |
| Noncurrent loans to loans | 1.5555% | 1,059 |
| Net loans and leases to total assets | 49.8193% | 4,621 |
| Net loans and leases to deposits | 62.1659% | 4,412 |
| Net loans and leases to core deposits | 63.5760% | 4,518 |
| Total domestic deposits to total assets | 80.1394% | 4,205 |
| Equity capital to assets | 14.7057% | 758 |
| Core capital (leverage) ratio | 15.4811% | 573 |
| Tier 1 risk-based capital ratio | 28.9252% | 522 |
| Total risk-based capital ratio | 30.1749% | 516 |
| Memoranda: | ||
| Average total assets | $122,680,670 | 3,815 |
| Average earning assets | $110,940,000 | 3,858 |
| Average equity | $17,855,330 | 3,349 |
| Average total loans | $60,250,330 | 4,161 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 4,145 |
| Cost of funding earning assets | 0.2581% | 4,658 |
| Net interest margin | 3.5674% | 3,292 |
| Noninterest income to average assets | 0.9400% | 1,048 |
| Noninterest expense to average assets | 3.9701% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1841% | 5,259 |
| Return on assets (ROA) | 0.2326% | 5,206 |
| Pretax return on assets | 0.2326% | 5,237 |
| Return on Equity (ROE) | 1.6062% | 5,232 |
| Retained earnings to average equity (ytd only) | 1.6062% | 4,457 |
| Net charge-offs to loans | 0.0400% | 1,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,961 |
| Efficiency ratio | 95.5677% | 258 |
| Assets per employee ($millions) | 3.5903% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 2,258 |
| Loan loss allowance to noncurrent loans | 111.5714% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 2.7755% | 313 |
| Noncurrent loans to loans | 1.1636% | 1,562 |
| Net loans and leases to total assets | 48.6413% | 4,652 |
| Net loans and leases to deposits | 60.8810% | 4,412 |
| Net loans and leases to core deposits | 62.5761% | 4,515 |
| Total domestic deposits to total assets | 79.8958% | 4,435 |
| Equity capital to assets | 14.4304% | 788 |
| Core capital (leverage) ratio | 15.0974% | 640 |
| Tier 1 risk-based capital ratio | 28.0569% | 557 |
| Total risk-based capital ratio | 29.2842% | 555 |
| Memoranda: | ||
| Average total assets | $123,826,500 | 3,832 |
| Average earning assets | $111,567,000 | 3,896 |
| Average equity | $17,931,000 | 3,361 |
| Average total loans | $59,999,000 | 4,195 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 3,941 |
| Cost of funding earning assets | 0.2204% | 4,789 |
| Net interest margin | 3.6119% | 3,129 |
| Noninterest income to average assets | 1.3552% | 571 |
| Noninterest expense to average assets | 3.8825% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7127% | 3,545 |
| Return on assets (ROA) | 0.7390% | 3,475 |
| Pretax return on assets | 0.7390% | 4,416 |
| Return on Equity (ROE) | 3.9933% | 4,504 |
| Retained earnings to average equity (ytd only) | -27.3019% | 5,637 |
| Net charge-offs to loans | 0.0819% | 2,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 20.0652% | 1,988 |
| Efficiency ratio | 84.4900% | 735 |
| Assets per employee ($millions) | 3.5881% | 4,591 |
| Cash dividends to net income (ytd only)* | 783.6991% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,146 |
| Loan loss allowance to noncurrent loans | 134.5299% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 2.6365% | 334 |
| Noncurrent loans to loans | 0.9776% | 1,812 |
| Net loans and leases to total assets | 47.0235% | 4,829 |
| Net loans and leases to deposits | 59.5314% | 4,597 |
| Net loans and leases to core deposits | 61.1274% | 4,702 |
| Total domestic deposits to total assets | 78.9894% | 4,550 |
| Equity capital to assets | 14.5297% | 771 |
| Core capital (leverage) ratio | 14.6833% | 685 |
| Tier 1 risk-based capital ratio | 27.0977% | 591 |
| Total risk-based capital ratio | 28.2976% | 585 |
| Memoranda: | ||
| Average total assets | $129,504,000 | 3,756 |
| Average earning assets | $116,173,000 | 3,813 |
| Average equity | $23,965,400 | 2,764 |
| Average total loans | $56,172,000 | 4,283 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8018% | 4,009 |
| Cost of funding earning assets | 0.2184% | 4,826 |
| Net interest margin | 3.5834% | 3,219 |
| Noninterest income to average assets | 1.0453% | 934 |
| Noninterest expense to average assets | 3.5978% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6662% | 4,132 |
| Return on assets (ROA) | 0.7010% | 4,038 |
| Pretax return on assets | 0.7010% | 4,608 |
| Return on Equity (ROE) | 3.6017% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.6017% | 3,775 |
| Net charge-offs to loans | 0.1110% | 1,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 14.1743% | 2,311 |
| Efficiency ratio | 84.3757% | 729 |
| Assets per employee ($millions) | 3.6695% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 2,174 |
| Loan loss allowance to noncurrent loans | 154.9213% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 2.7431% | 349 |
| Noncurrent loans to loans | 0.8629% | 2,213 |
| Net loans and leases to total assets | 45.2282% | 4,979 |
| Net loans and leases to deposits | 57.1751% | 4,808 |
| Net loans and leases to core deposits | 58.9668% | 4,871 |
| Total domestic deposits to total assets | 79.1047% | 4,510 |
| Equity capital to assets | 20.3417% | 216 |
| Core capital (leverage) ratio | 19.9590% | 208 |
| Tier 1 risk-based capital ratio | 34.7871% | 326 |
| Total risk-based capital ratio | 35.8996% | 325 |
| Memoranda: | ||
| Average total assets | $130,484,000 | 3,778 |
| Average earning assets | $117,205,750 | 3,837 |
| Average equity | $25,395,000 | 2,672 |
| Average total loans | $55,254,750 | 4,355 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7698% | 4,002 |
| Cost of funding earning assets | 0.2153% | 4,844 |
| Net interest margin | 3.5545% | 3,202 |
| Noninterest income to average assets | 1.1253% | 788 |
| Noninterest expense to average assets | 3.5451% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7776% | 3,502 |
| Return on assets (ROA) | 0.8295% | 3,304 |
| Pretax return on assets | 0.8295% | 4,164 |
| Return on Equity (ROE) | 4.3258% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.3258% | 3,130 |
| Net charge-offs to loans | 0.1221% | 1,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 15.4545% | 2,027 |
| Efficiency ratio | 82.0106% | 1,005 |
| Assets per employee ($millions) | 4.0243% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 1,952 |
| Loan loss allowance to noncurrent loans | 224.7191% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 2.5670% | 409 |
| Noncurrent loans to loans | 0.6231% | 2,863 |
| Net loans and leases to total assets | 42.4222% | 5,119 |
| Net loans and leases to deposits | 53.0525% | 5,013 |
| Net loans and leases to core deposits | 54.6403% | 5,063 |
| Total domestic deposits to total assets | 79.9628% | 4,423 |
| Equity capital to assets | 19.5651% | 238 |
| Core capital (leverage) ratio | 19.5558% | 216 |
| Tier 1 risk-based capital ratio | 34.8034% | 314 |
| Total risk-based capital ratio | 35.9400% | 308 |
| Memoranda: | ||
| Average total assets | $131,168,330 | 3,785 |
| Average earning assets | $117,991,330 | 3,839 |
| Average equity | $25,151,670 | 2,694 |
| Average total loans | $54,048,330 | 4,417 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 3,598 |
| Cost of funding earning assets | 0.2138% | 4,849 |
| Net interest margin | 3.6315% | 2,771 |
| Noninterest income to average assets | 1.2612% | 645 |
| Noninterest expense to average assets | 3.5658% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9789% | 2,397 |
| Return on assets (ROA) | 0.9789% | 2,449 |
| Pretax return on assets | 0.9789% | 3,462 |
| Return on Equity (ROE) | 5.1585% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.1585% | 2,802 |
| Net charge-offs to loans | 0.1219% | 1,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 19.9375% | 1,504 |
| Efficiency ratio | 78.4605% | 1,569 |
| Assets per employee ($millions) | 4.0987% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 1,809 |
| Loan loss allowance to noncurrent loans | 222.0109% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 2.6373% | 414 |
| Noncurrent loans to loans | 0.6605% | 2,850 |
| Net loans and leases to total assets | 41.8538% | 5,169 |
| Net loans and leases to deposits | 52.0036% | 5,034 |
| Net loans and leases to core deposits | 53.5665% | 5,084 |
| Total domestic deposits to total assets | 80.4825% | 4,526 |
| Equity capital to assets | 19.1394% | 240 |
| Core capital (leverage) ratio | 19.4218% | 215 |
| Tier 1 risk-based capital ratio | 36.9787% | 276 |
| Total risk-based capital ratio | 38.2213% | 273 |
| Memoranda: | ||
| Average total assets | $130,351,000 | 3,833 |
| Average earning assets | $117,856,500 | 3,874 |
| Average equity | $24,736,000 | 2,733 |
| Average total loans | $52,503,500 | 4,495 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5927% | 4,528 |
| Cost of funding earning assets | 0.2303% | 4,734 |
| Net interest margin | 3.3624% | 3,952 |
| Noninterest income to average assets | 0.8128% | 1,703 |
| Noninterest expense to average assets | 3.5317% | 1,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3492% | 5,084 |
| Return on assets (ROA) | 0.3987% | 5,027 |
| Pretax return on assets | 0.3987% | 5,226 |
| Return on Equity (ROE) | 2.0205% | 5,401 |
| Retained earnings to average equity (ytd only) | 2.0205% | 4,390 |
| Net charge-offs to loans | 2.3978% | 51 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 0.3776% | 4,106 |
| Efficiency ratio | 91.0014% | 502 |
| Assets per employee ($millions) | 4.0482% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 1,164 |
| Loan loss allowance to noncurrent loans | 105.0441% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 2.9589% | 348 |
| Noncurrent loans to loans | 1.6087% | 1,223 |
| Net loans and leases to total assets | 37.4100% | 5,428 |
| Net loans and leases to deposits | 46.3414% | 5,356 |
| Net loans and leases to core deposits | 47.8599% | 5,376 |
| Total domestic deposits to total assets | 80.7269% | 4,406 |
| Equity capital to assets | 18.8115% | 254 |
| Core capital (leverage) ratio | 20.0990% | 193 |
| Tier 1 risk-based capital ratio | 37.8491% | 253 |
| Total risk-based capital ratio | 39.0996% | 252 |
| Memoranda: | ||
| Average total assets | $129,428,000 | 3,841 |
| Average earning assets | $118,099,200 | 3,868 |
| Average equity | $25,537,800 | 2,675 |
| Average total loans | $49,921,800 | 4,576 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6126% | 4,516 |
| Cost of funding earning assets | 0.2365% | 4,736 |
| Net interest margin | 3.3761% | 3,929 |
| Noninterest income to average assets | 0.8078% | 1,730 |
| Noninterest expense to average assets | 3.5198% | 1,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3771% | 5,102 |
| Return on assets (ROA) | 0.4420% | 4,981 |
| Pretax return on assets | 0.4420% | 5,242 |
| Return on Equity (ROE) | 2.2144% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.2144% | 4,588 |
| Net charge-offs to loans | 3.1550% | 37 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.3089% | 3,803 |
| Efficiency ratio | 90.3226% | 545 |
| Assets per employee ($millions) | 3.7426% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 1,111 |
| Loan loss allowance to noncurrent loans | 100.8353% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.0869% | 1,885 |
| Noncurrent loans to loans | 1.7327% | 1,201 |
| Net loans and leases to total assets | 37.3447% | 5,495 |
| Net loans and leases to deposits | 47.4536% | 5,394 |
| Net loans and leases to core deposits | 48.8241% | 5,423 |
| Total domestic deposits to total assets | 78.6973% | 4,789 |
| Equity capital to assets | 20.7518% | 207 |
| Core capital (leverage) ratio | 20.1229% | 198 |
| Tier 1 risk-based capital ratio | 38.8702% | 247 |
| Total risk-based capital ratio | 40.1204% | 240 |
| Memoranda: | ||
| Average total assets | $129,399,250 | 3,865 |
| Average earning assets | $118,398,250 | 3,879 |
| Average equity | $25,830,000 | 2,673 |
| Average total loans | $50,078,500 | 4,606 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6096% | 4,559 |
| Cost of funding earning assets | 0.2410% | 4,747 |
| Net interest margin | 3.3687% | 4,001 |
| Noninterest income to average assets | 0.7885% | 1,769 |
| Noninterest expense to average assets | 3.4538% | 1,256 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4288% | 4,944 |
| Return on assets (ROA) | 0.4488% | 4,963 |
| Pretax return on assets | 0.4488% | 5,250 |
| Return on Equity (ROE) | 2.2779% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.2779% | 4,427 |
| Net charge-offs to loans | 4.6910% | 24 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.2348% | 3,540 |
| Efficiency ratio | 88.9549% | 660 |
| Assets per employee ($millions) | 3.7840% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7379% | 1,195 |
| Loan loss allowance to noncurrent loans | 86.0061% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 1,760 |
| Noncurrent loans to loans | 2.0207% | 984 |
| Net loans and leases to total assets | 37.0023% | 5,559 |
| Net loans and leases to deposits | 46.8960% | 5,466 |
| Net loans and leases to core deposits | 48.2311% | 5,492 |
| Total domestic deposits to total assets | 78.9028% | 4,805 |
| Equity capital to assets | 20.5135% | 205 |
| Core capital (leverage) ratio | 19.4169% | 213 |
| Tier 1 risk-based capital ratio | 38.1030% | 264 |
| Total risk-based capital ratio | 39.3535% | 262 |
| Memoranda: | ||
| Average total assets | $130,116,670 | 3,882 |
| Average earning assets | $119,513,000 | 3,889 |
| Average equity | $25,638,000 | 2,694 |
| Average total loans | $50,649,670 | 4,620 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 4,627 |
| Cost of funding earning assets | 0.2425% | 4,778 |
| Net interest margin | 3.3518% | 4,036 |
| Noninterest income to average assets | 0.8315% | 1,510 |
| Noninterest expense to average assets | 3.4239% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4922% | 4,660 |
| Return on assets (ROA) | 0.5319% | 4,602 |
| Pretax return on assets | 0.5319% | 5,003 |
| Return on Equity (ROE) | 2.7552% | 5,311 |
| Retained earnings to average equity (ytd only) | 2.7552% | 4,139 |
| Net charge-offs to loans | -0.0077% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4317% | 855 |
| Assets per employee ($millions) | 3.8444% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9383% | 98 |
| Loan loss allowance to noncurrent loans | 54.7144% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 3.2760% | 365 |
| Noncurrent loans to loans | 7.1978% | 94 |
| Net loans and leases to total assets | 37.9007% | 5,561 |
| Net loans and leases to deposits | 47.3809% | 5,450 |
| Net loans and leases to core deposits | 48.9013% | 5,480 |
| Total domestic deposits to total assets | 79.9916% | 4,745 |
| Equity capital to assets | 19.5983% | 228 |
| Core capital (leverage) ratio | 18.9581% | 236 |
| Tier 1 risk-based capital ratio | 38.6423% | 258 |
| Total risk-based capital ratio | 39.9165% | 253 |
| Memoranda: | ||
| Average total assets | $130,846,500 | 3,901 |
| Average earning assets | $120,414,000 | 3,897 |
| Average equity | $25,261,000 | 2,725 |
| Average total loans | $51,750,500 | 4,619 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5767% | 4,735 |
| Cost of funding earning assets | 0.2517% | 4,771 |
| Net interest margin | 3.3250% | 4,195 |
| Noninterest income to average assets | 0.8299% | 1,675 |
| Noninterest expense to average assets | 3.4629% | 1,361 |
| Loan and lease loss provision to assets | -0.7436% | 6,157 |
| Net operating income to assets | 1.1853% | 1,605 |
| Return on assets (ROA) | 1.1905% | 1,662 |
| Pretax return on assets | 1.1905% | 2,694 |
| Return on Equity (ROE) | 6.5940% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.5940% | 1,496 |
| Net charge-offs to loans | 0.3597% | 820 |
| Credit loss provision to net charge-offs | -526.3158% | 5,453 |
| Earnings coverage of net charge-offs (x) | 3.1263% | 3,768 |
| Efficiency ratio | 88.6879% | 780 |
| Assets per employee ($millions) | 3.7567% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9463% | 234 |
| Loan loss allowance to noncurrent loans | 87.9310% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.4336% | 1,451 |
| Noncurrent loans to loans | 3.3507% | 433 |
| Net loans and leases to total assets | 38.3320% | 5,607 |
| Net loans and leases to deposits | 48.1481% | 5,481 |
| Net loans and leases to core deposits | 49.6914% | 5,514 |
| Total domestic deposits to total assets | 79.6126% | 4,836 |
| Equity capital to assets | 19.3219% | 239 |
| Core capital (leverage) ratio | 19.2856% | 224 |
| Tier 1 risk-based capital ratio | 38.1013% | 259 |
| Total risk-based capital ratio | 39.3640% | 255 |
| Memoranda: | ||
| Average total assets | $134,481,400 | 3,810 |
| Average earning assets | $124,360,400 | 3,797 |
| Average equity | $24,279,800 | 2,761 |
| Average total loans | $52,824,400 | 4,586 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5770% | 4,803 |
| Cost of funding earning assets | 0.2553% | 4,818 |
| Net interest margin | 3.3217% | 4,251 |
| Noninterest income to average assets | 0.8844% | 1,497 |
| Noninterest expense to average assets | 3.4666% | 1,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4959% | 4,801 |
| Return on assets (ROA) | 0.5028% | 4,865 |
| Pretax return on assets | 0.5028% | 5,209 |
| Return on Equity (ROE) | 2.8334% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.8334% | 4,419 |
| Net charge-offs to loans | 0.3820% | 673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.3092% | 3,519 |
| Efficiency ratio | 87.4844% | 893 |
| Assets per employee ($millions) | 3.7538% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8098% | 62 |
| Loan loss allowance to noncurrent loans | 139.8693% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.5854% | 1,408 |
| Noncurrent loans to loans | 3.4388% | 463 |
| Net loans and leases to total assets | 38.6828% | 5,665 |
| Net loans and leases to deposits | 49.0517% | 5,509 |
| Net loans and leases to core deposits | 50.6407% | 5,557 |
| Total domestic deposits to total assets | 78.8612% | 5,009 |
| Equity capital to assets | 18.5030% | 307 |
| Core capital (leverage) ratio | 18.1140% | 293 |
| Tier 1 risk-based capital ratio | 36.1649% | 320 |
| Total risk-based capital ratio | 37.4474% | 319 |
| Memoranda: | ||
| Average total assets | $135,231,000 | 3,841 |
| Average earning assets | $125,316,000 | 3,823 |
| Average equity | $23,998,500 | 2,805 |
| Average total loans | $53,048,000 | 4,631 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5458% | 4,871 |
| Cost of funding earning assets | 0.2568% | 4,872 |
| Net interest margin | 3.2890% | 4,340 |
| Noninterest income to average assets | 0.6446% | 2,508 |
| Noninterest expense to average assets | 3.4693% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2154% | 5,659 |
| Return on assets (ROA) | 0.2256% | 5,707 |
| Pretax return on assets | 0.2256% | 5,776 |
| Return on Equity (ROE) | 1.2890% | 5,839 |
| Retained earnings to average equity (ytd only) | 1.2890% | 5,036 |
| Net charge-offs to loans | 0.0945% | 2,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.8800% | 2,868 |
| Efficiency ratio | 94.1551% | 512 |
| Assets per employee ($millions) | 3.8017% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2085% | 58 |
| Loan loss allowance to noncurrent loans | 135.2056% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 2.5454% | 732 |
| Noncurrent loans to loans | 3.8522% | 417 |
| Net loans and leases to total assets | 36.8748% | 5,781 |
| Net loans and leases to deposits | 46.2085% | 5,666 |
| Net loans and leases to core deposits | 47.6674% | 5,701 |
| Total domestic deposits to total assets | 79.8010% | 4,908 |
| Equity capital to assets | 17.6393% | 368 |
| Core capital (leverage) ratio | 17.5159% | 329 |
| Tier 1 risk-based capital ratio | 35.6085% | 351 |
| Total risk-based capital ratio | 36.8930% | 345 |
| Memoranda: | ||
| Average total assets | $136,513,330 | 3,843 |
| Average earning assets | $126,178,670 | 3,844 |
| Average equity | $23,894,670 | 2,823 |
| Average total loans | $52,933,670 | 4,674 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3586% | 5,305 |
| Cost of funding earning assets | 0.2608% | 4,897 |
| Net interest margin | 3.0978% | 4,961 |
| Noninterest income to average assets | 0.6192% | 2,548 |
| Noninterest expense to average assets | 3.3941% | 1,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0781% | 5,917 |
| Return on assets (ROA) | 0.0984% | 5,936 |
| Pretax return on assets | 0.0984% | 5,952 |
| Return on Equity (ROE) | 0.5642% | 5,979 |
| Retained earnings to average equity (ytd only) | 0.5642% | 5,204 |
| Net charge-offs to loans | 0.2093% | 1,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.9643% | 2,985 |
| Efficiency ratio | 97.7500% | 439 |
| Assets per employee ($millions) | 3.6368% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1911% | 62 |
| Loan loss allowance to noncurrent loans | 127.4621% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 2.5362% | 846 |
| Noncurrent loans to loans | 4.0727% | 423 |
| Net loans and leases to total assets | 35.5762% | 5,847 |
| Net loans and leases to deposits | 43.6596% | 5,773 |
| Net loans and leases to core deposits | 45.0626% | 5,796 |
| Total domestic deposits to total assets | 81.4854% | 4,675 |
| Equity capital to assets | 17.5037% | 377 |
| Core capital (leverage) ratio | 17.2804% | 337 |
| Tier 1 risk-based capital ratio | 35.2062% | 354 |
| Total risk-based capital ratio | 36.4901% | 352 |
| Memoranda: | ||
| Average total assets | $138,239,500 | 3,838 |
| Average earning assets | $127,316,000 | 3,840 |
| Average equity | $24,106,500 | 2,816 |
| Average total loans | $53,519,500 | 4,686 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5749% | 5,151 |
| Cost of funding earning assets | 0.2979% | 4,816 |
| Net interest margin | 3.2770% | 4,662 |
| Noninterest income to average assets | 0.6148% | 2,773 |
| Noninterest expense to average assets | 3.6019% | 1,302 |
| Loan and lease loss provision to assets | -1.4550% | 6,505 |
| Net operating income to assets | 1.5169% | 847 |
| Return on assets (ROA) | 1.5169% | 879 |
| Pretax return on assets | 1.5169% | 1,485 |
| Return on Equity (ROE) | 9.7384% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.7384% | 561 |
| Net charge-offs to loans | -1.6578% | 6,460 |
| Credit loss provision to net charge-offs | 210.9705% | 1,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3122% | 414 |
| Assets per employee ($millions) | 3.5456% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9292% | 77 |
| Loan loss allowance to noncurrent loans | 138.9882% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 2.5072% | 923 |
| Noncurrent loans to loans | 3.5465% | 573 |
| Net loans and leases to total assets | 37.9382% | 5,855 |
| Net loans and leases to deposits | 47.2711% | 5,727 |
| Net loans and leases to core deposits | 49.0528% | 5,762 |
| Total domestic deposits to total assets | 80.2567% | 4,951 |
| Equity capital to assets | 17.3727% | 380 |
| Core capital (leverage) ratio | 17.4657% | 329 |
| Tier 1 risk-based capital ratio | 35.4766% | 328 |
| Total risk-based capital ratio | 36.7632% | 322 |
| Memoranda: | ||
| Average total assets | $137,453,600 | 3,853 |
| Average earning assets | $127,891,600 | 3,811 |
| Average equity | $21,410,000 | 3,012 |
| Average total loans | $57,185,200 | 4,578 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6075% | 5,122 |
| Cost of funding earning assets | 0.3051% | 4,840 |
| Net interest margin | 3.3024% | 4,598 |
| Noninterest income to average assets | 0.6373% | 2,639 |
| Noninterest expense to average assets | 3.4885% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2302% | 5,781 |
| Return on assets (ROA) | 0.2302% | 5,841 |
| Pretax return on assets | 0.2302% | 5,903 |
| Return on Equity (ROE) | 1.5223% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.5223% | 5,286 |
| Net charge-offs to loans | -2.1772% | 6,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8088% | 606 |
| Assets per employee ($millions) | 3.4495% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3855% | 18 |
| Loan loss allowance to noncurrent loans | 135.4598% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 2.7570% | 900 |
| Noncurrent loans to loans | 6.1904% | 222 |
| Net loans and leases to total assets | 38.2832% | 5,928 |
| Net loans and leases to deposits | 46.1421% | 5,856 |
| Net loans and leases to core deposits | 48.1890% | 5,877 |
| Total domestic deposits to total assets | 82.9680% | 4,163 |
| Equity capital to assets | 15.9230% | 578 |
| Core capital (leverage) ratio | 15.9162% | 489 |
| Tier 1 risk-based capital ratio | 33.7459% | 397 |
| Total risk-based capital ratio | 35.0716% | 387 |
| Memoranda: | ||
| Average total assets | $137,247,000 | 3,876 |
| Average earning assets | $128,064,250 | 3,833 |
| Average equity | $20,756,750 | 3,087 |
| Average total loans | $57,686,250 | 4,606 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5991% | 5,152 |
| Cost of funding earning assets | 0.3100% | 4,878 |
| Net interest margin | 3.2891% | 4,633 |
| Noninterest income to average assets | 0.6370% | 2,627 |
| Noninterest expense to average assets | 3.4179% | 1,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2910% | 5,601 |
| Return on assets (ROA) | 0.2910% | 5,669 |
| Pretax return on assets | 0.2910% | 5,799 |
| Return on Equity (ROE) | 1.9576% | 5,844 |
| Retained earnings to average equity (ytd only) | 1.9576% | 4,896 |
| Net charge-offs to loans | -3.2762% | 6,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1546% | 757 |
| Assets per employee ($millions) | 3.5731% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4538% | 14 |
| Loan loss allowance to noncurrent loans | 192.2701% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 1.9146% | 1,688 |
| Noncurrent loans to loans | 4.3968% | 506 |
| Net loans and leases to total assets | 36.7262% | 6,020 |
| Net loans and leases to deposits | 44.9340% | 5,939 |
| Net loans and leases to core deposits | 47.1978% | 5,945 |
| Total domestic deposits to total assets | 81.7338% | 4,738 |
| Equity capital to assets | 15.2809% | 643 |
| Core capital (leverage) ratio | 15.6585% | 522 |
| Tier 1 risk-based capital ratio | 33.4068% | 400 |
| Total risk-based capital ratio | 34.7320% | 386 |
| Memoranda: | ||
| Average total assets | $138,153,000 | 3,884 |
| Average earning assets | $129,033,000 | 3,831 |
| Average equity | $20,535,330 | 3,117 |
| Average total loans | $58,176,330 | 4,606 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4492% | 5,538 |
| Cost of funding earning assets | 0.3170% | 4,897 |
| Net interest margin | 3.1322% | 5,137 |
| Noninterest income to average assets | 0.5787% | 2,864 |
| Noninterest expense to average assets | 3.2482% | 2,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2617% | 5,623 |
| Return on assets (ROA) | 0.2617% | 5,665 |
| Pretax return on assets | 0.2617% | 5,798 |
| Return on Equity (ROE) | 1.7861% | 5,842 |
| Retained earnings to average equity (ytd only) | 1.7861% | 4,889 |
| Net charge-offs to loans | -0.2023% | 6,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5435% | 842 |
| Assets per employee ($millions) | 3.7900% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5946% | 32 |
| Loan loss allowance to noncurrent loans | 104.4493% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 2.7426% | 1,102 |
| Noncurrent loans to loans | 6.3137% | 271 |
| Net loans and leases to total assets | 38.4116% | 5,914 |
| Net loans and leases to deposits | 46.5421% | 5,815 |
| Net loans and leases to core deposits | 49.2282% | 5,811 |
| Total domestic deposits to total assets | 82.5310% | 4,776 |
| Equity capital to assets | 14.5617% | 771 |
| Core capital (leverage) ratio | 15.6639% | 520 |
| Tier 1 risk-based capital ratio | 32.3079% | 437 |
| Total risk-based capital ratio | 33.6125% | 427 |
| Memoranda: | ||
| Average total assets | $137,554,500 | 3,932 |
| Average earning assets | $128,725,500 | 3,871 |
| Average equity | $20,156,000 | 3,159 |
| Average total loans | $59,312,500 | 4,614 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5752% | 5,472 |
| Cost of funding earning assets | 0.3973% | 4,683 |
| Net interest margin | 3.1778% | 5,067 |
| Noninterest income to average assets | 0.6575% | 2,768 |
| Noninterest expense to average assets | 3.5339% | 1,584 |
| Loan and lease loss provision to assets | 0.1680% | 2,179 |
| Net operating income to assets | -0.0616% | 6,263 |
| Return on assets (ROA) | 0.0985% | 6,099 |
| Pretax return on assets | 0.0985% | 6,093 |
| Return on Equity (ROE) | 0.7079% | 6,131 |
| Retained earnings to average equity (ytd only) | 0.7079% | 5,516 |
| Net charge-offs to loans | 1.0475% | 541 |
| Credit loss provision to net charge-offs | 34.5238% | 4,156 |
| Earnings coverage of net charge-offs (x) | 0.2188% | 5,015 |
| Efficiency ratio | 97.0758% | 585 |
| Assets per employee ($millions) | 3.5494% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1880% | 36 |
| Loan loss allowance to noncurrent loans | 52.3671% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 5.4998% | 389 |
| Noncurrent loans to loans | 11.8165% | 79 |
| Net loans and leases to total assets | 42.3976% | 5,801 |
| Net loans and leases to deposits | 51.7128% | 5,646 |
| Net loans and leases to core deposits | 54.8101% | 5,624 |
| Total domestic deposits to total assets | 81.9867% | 4,880 |
| Equity capital to assets | 14.7481% | 719 |
| Core capital (leverage) ratio | 16.0305% | 466 |
| Tier 1 risk-based capital ratio | 31.4261% | 449 |
| Total risk-based capital ratio | 32.7294% | 442 |
| Memoranda: | ||
| Average total assets | $138,090,600 | 3,918 |
| Average earning assets | $129,616,600 | 3,852 |
| Average equity | $19,210,800 | 3,257 |
| Average total loans | $64,151,400 | 4,478 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5652% | 5,536 |
| Cost of funding earning assets | 0.4132% | 4,695 |
| Net interest margin | 3.1520% | 5,144 |
| Noninterest income to average assets | 0.6854% | 2,699 |
| Noninterest expense to average assets | 3.3243% | 2,018 |
| Loan and lease loss provision to assets | 0.2227% | 1,635 |
| Net operating income to assets | 0.0970% | 6,147 |
| Return on assets (ROA) | 0.2755% | 5,797 |
| Pretax return on assets | 0.2755% | 5,923 |
| Return on Equity (ROE) | 2.0097% | 5,935 |
| Retained earnings to average equity (ytd only) | 2.0097% | 5,126 |
| Net charge-offs to loans | 3.5924% | 53 |
| Credit loss provision to net charge-offs | 13.2571% | 4,178 |
| Earnings coverage of net charge-offs (x) | 0.1903% | 4,800 |
| Efficiency ratio | 91.2276% | 903 |
| Assets per employee ($millions) | 3.7199% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1970% | 205 |
| Loan loss allowance to noncurrent loans | 30.9663% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 6.5847% | 324 |
| Noncurrent loans to loans | 13.5535% | 60 |
| Net loans and leases to total assets | 45.9370% | 5,554 |
| Net loans and leases to deposits | 55.1035% | 5,447 |
| Net loans and leases to core deposits | 58.0711% | 5,446 |
| Total domestic deposits to total assets | 83.3649% | 4,437 |
| Equity capital to assets | 15.0400% | 709 |
| Core capital (leverage) ratio | 15.9187% | 502 |
| Tier 1 risk-based capital ratio | 30.3841% | 498 |
| Total risk-based capital ratio | 31.6676% | 496 |
| Memoranda: | ||
| Average total assets | $138,893,750 | 3,938 |
| Average earning assets | $130,369,750 | 3,874 |
| Average equity | $19,040,500 | 3,310 |
| Average total loans | $64,950,000 | 4,489 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3950% | 5,920 |
| Cost of funding earning assets | 0.4238% | 4,718 |
| Net interest margin | 2.9712% | 5,643 |
| Noninterest income to average assets | 0.7186% | 2,556 |
| Noninterest expense to average assets | 3.2984% | 2,076 |
| Loan and lease loss provision to assets | 0.3301% | 1,043 |
| Net operating income to assets | -0.1167% | 6,417 |
| Return on assets (ROA) | 0.1437% | 6,144 |
| Pretax return on assets | 0.1437% | 6,169 |
| Return on Equity (ROE) | 1.0817% | 6,190 |
| Retained earnings to average equity (ytd only) | 1.0817% | 5,464 |
| Net charge-offs to loans | 5.2273% | 33 |
| Credit loss provision to net charge-offs | 13.6150% | 3,843 |
| Earnings coverage of net charge-offs (x) | 0.0880% | 4,517 |
| Efficiency ratio | 93.9222% | 766 |
| Assets per employee ($millions) | 4.0205% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3186% | 197 |
| Loan loss allowance to noncurrent loans | 28.5045% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 7.1135% | 333 |
| Noncurrent loans to loans | 15.1507% | 48 |
| Net loans and leases to total assets | 44.3927% | 5,706 |
| Net loans and leases to deposits | 53.2629% | 5,583 |
| Net loans and leases to core deposits | 55.7778% | 5,616 |
| Total domestic deposits to total assets | 83.3465% | 4,569 |
| Equity capital to assets | 15.1604% | 683 |
| Core capital (leverage) ratio | 15.3831% | 547 |
| Tier 1 risk-based capital ratio | 30.3140% | 505 |
| Total risk-based capital ratio | 31.5972% | 500 |
| Memoranda: | ||
| Average total assets | $140,553,000 | 3,935 |
| Average earning assets | $132,134,670 | 3,864 |
| Average equity | $18,673,670 | 3,373 |
| Average total loans | $65,196,000 | 4,493 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7412% | 5,018 |
| Cost of funding earning assets | 0.3315% | 5,705 |
| Net interest margin | 3.4097% | 4,083 |
| Noninterest income to average assets | 0.6291% | 2,985 |
| Noninterest expense to average assets | 2.6815% | 4,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1501% | 1,674 |
| Return on assets (ROA) | 2.2875% | 229 |
| Pretax return on assets | 2.2875% | 359 |
| Return on Equity (ROE) | 17.1889% | 499 |
| Retained earnings to average equity (ytd only) | 17.1889% | 223 |
| Net charge-offs to loans | 0.0525% | 3,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 45.2500% | 723 |
| Efficiency ratio | 69.9834% | 3,976 |
| Assets per employee ($millions) | 4.9271% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9486% | 2,179 |
| Loan loss allowance to noncurrent loans | 24.7671% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 3.8047% | 1,084 |
| Noncurrent loans to loans | 7.8678% | 342 |
| Net loans and leases to total assets | 45.9564% | 5,443 |
| Net loans and leases to deposits | 54.9189% | 5,355 |
| Net loans and leases to core deposits | 55.1835% | 5,586 |
| Total domestic deposits to total assets | 83.6804% | 4,601 |
| Equity capital to assets | 13.1065% | 1,382 |
| Core capital (leverage) ratio | 12.8735% | 1,165 |
| Tier 1 risk-based capital ratio | 25.4813% | 842 |
| Total risk-based capital ratio | 26.7408% | 828 |
| Memoranda: | ||
| Average total assets | $62,949,500 | 5,838 |
| Average earning assets | $59,126,000 | 5,774 |
| Average equity | $8,377,500 | 5,391 |
| Average total loans | $30,497,000 | 5,870 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 3,913 |
| Cost of funding earning assets | 0.4487% | 5,588 |
| Net interest margin | 3.9287% | 2,703 |
| Noninterest income to average assets | 0.8269% | 2,146 |
| Noninterest expense to average assets | 2.7134% | 4,351 |
| Loan and lease loss provision to assets | 0.7769% | 634 |
| Net operating income to assets | 1.0272% | 2,221 |
| Return on assets (ROA) | 1.0272% | 2,433 |
| Pretax return on assets | 1.0272% | 3,450 |
| Return on Equity (ROE) | 6.0214% | 4,162 |
| Retained earnings to average equity (ytd only) | -33.7423% | 6,958 |
| Net charge-offs to loans | 1.2952% | 752 |
| Credit loss provision to net charge-offs | 116.4649% | 2,475 |
| Earnings coverage of net charge-offs (x) | 2.7046% | 4,079 |
| Efficiency ratio | 60.0644% | 5,529 |
| Assets per employee ($millions) | 4.7575% | 2,570 |
| Cash dividends to net income (ytd only)* | 660.3774% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9017% | 2,290 |
| Loan loss allowance to noncurrent loans | 26.4838% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 3.7172% | 1,198 |
| Noncurrent loans to loans | 7.1804% | 437 |
| Net loans and leases to total assets | 49.1277% | 5,289 |
| Net loans and leases to deposits | 58.0312% | 5,235 |
| Net loans and leases to core deposits | 58.3175% | 5,513 |
| Total domestic deposits to total assets | 84.6573% | 4,010 |
| Equity capital to assets | 13.5172% | 1,220 |
| Core capital (leverage) ratio | 12.6227% | 1,270 |
| Tier 1 risk-based capital ratio | 24.0299% | 965 |
| Total risk-based capital ratio | 25.2882% | 948 |
| Memoranda: | ||
| Average total assets | $61,916,000 | 5,878 |
| Average earning assets | $58,161,600 | 5,809 |
| Average equity | $10,562,400 | 4,854 |
| Average total loans | $31,887,600 | 5,860 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 3,803 |
| Cost of funding earning assets | 0.4648% | 5,682 |
| Net interest margin | 3.9906% | 2,542 |
| Noninterest income to average assets | 0.8654% | 1,963 |
| Noninterest expense to average assets | 2.7104% | 4,320 |
| Loan and lease loss provision to assets | 0.9300% | 463 |
| Net operating income to assets | 0.9774% | 2,623 |
| Return on assets (ROA) | 0.9774% | 2,847 |
| Pretax return on assets | 0.9774% | 3,798 |
| Return on Equity (ROE) | 5.4470% | 4,620 |
| Retained earnings to average equity (ytd only) | -44.9432% | 7,104 |
| Net charge-offs to loans | 1.4198% | 629 |
| Credit loss provision to net charge-offs | 126.3158% | 2,271 |
| Earnings coverage of net charge-offs (x) | 2.5906% | 4,004 |
| Efficiency ratio | 58.6946% | 5,696 |
| Assets per employee ($millions) | 4.6103% | 2,731 |
| Cash dividends to net income (ytd only)* | 925.1074% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 2,528 |
| Loan loss allowance to noncurrent loans | 26.7513% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 3.8109% | 1,290 |
| Noncurrent loans to loans | 7.0472% | 512 |
| Net loans and leases to total assets | 53.0567% | 4,906 |
| Net loans and leases to deposits | 69.5942% | 3,951 |
| Net loans and leases to core deposits | 71.0354% | 4,370 |
| Total domestic deposits to total assets | 76.2372% | 6,351 |
| Equity capital to assets | 13.7968% | 1,233 |
| Core capital (leverage) ratio | 12.5076% | 1,404 |
| Tier 1 risk-based capital ratio | 23.4201% | 1,110 |
| Total risk-based capital ratio | 24.6791% | 1,087 |
| Memoranda: | ||
| Average total assets | $61,933,250 | 5,943 |
| Average earning assets | $58,235,250 | 5,873 |
| Average equity | $11,113,000 | 4,782 |
| Average total loans | $32,116,250 | 5,922 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3888% | 4,229 |
| Cost of funding earning assets | 0.4793% | 5,761 |
| Net interest margin | 3.9095% | 2,867 |
| Noninterest income to average assets | 0.9201% | 1,712 |
| Noninterest expense to average assets | 2.5623% | 4,911 |
| Loan and lease loss provision to assets | 1.3035% | 306 |
| Net operating income to assets | 0.7284% | 3,711 |
| Return on assets (ROA) | 0.7284% | 3,986 |
| Pretax return on assets | 0.7284% | 4,741 |
| Return on Equity (ROE) | 3.7808% | 5,370 |
| Retained earnings to average equity (ytd only) | 3.7808% | 4,098 |
| Net charge-offs to loans | 2.1300% | 370 |
| Credit loss provision to net charge-offs | 119.6481% | 2,301 |
| Earnings coverage of net charge-offs (x) | 1.8651% | 4,042 |
| Efficiency ratio | 55.7719% | 6,140 |
| Assets per employee ($millions) | 4.3249% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8689% | 2,646 |
| Loan loss allowance to noncurrent loans | 26.7516% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 3.6731% | 1,428 |
| Noncurrent loans to loans | 6.9860% | 556 |
| Net loans and leases to total assets | 50.9926% | 5,221 |
| Net loans and leases to deposits | 65.7362% | 4,535 |
| Net loans and leases to core deposits | 67.0583% | 4,889 |
| Total domestic deposits to total assets | 77.5715% | 6,237 |
| Equity capital to assets | 20.1658% | 228 |
| Core capital (leverage) ratio | 18.6408% | 263 |
| Tier 1 risk-based capital ratio | 37.3467% | 295 |
| Total risk-based capital ratio | 38.6051% | 286 |
| Memoranda: | ||
| Average total assets | $62,599,670 | 5,959 |
| Average earning assets | $58,831,330 | 5,878 |
| Average equity | $12,061,000 | 4,588 |
| Average total loans | $32,018,330 | 5,965 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3939% | 4,356 |
| Cost of funding earning assets | 0.5023% | 5,801 |
| Net interest margin | 3.8915% | 2,962 |
| Noninterest income to average assets | 0.5847% | 3,327 |
| Noninterest expense to average assets | 2.5964% | 4,827 |
| Loan and lease loss provision to assets | 2.2004% | 126 |
| Net operating income to assets | -0.5595% | 6,862 |
| Return on assets (ROA) | -0.5595% | 6,884 |
| Pretax return on assets | -0.5595% | 6,853 |
| Return on Equity (ROE) | -2.9700% | 6,753 |
| Retained earnings to average equity (ytd only) | -2.9700% | 6,391 |
| Net charge-offs to loans | 4.1615% | 137 |
| Credit loss provision to net charge-offs | 104.1667% | 2,219 |
| Earnings coverage of net charge-offs (x) | 0.7768% | 3,944 |
| Efficiency ratio | 61.2760% | 5,408 |
| Assets per employee ($millions) | 4.4876% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 3,346 |
| Loan loss allowance to noncurrent loans | 23.9374% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 3.5988% | 1,582 |
| Noncurrent loans to loans | 7.1070% | 616 |
| Net loans and leases to total assets | 49.2042% | 5,405 |
| Net loans and leases to deposits | 62.5048% | 4,846 |
| Net loans and leases to core deposits | 63.6974% | 5,151 |
| Total domestic deposits to total assets | 78.7206% | 6,142 |
| Equity capital to assets | 18.8839% | 285 |
| Core capital (leverage) ratio | 17.2880% | 337 |
| Tier 1 risk-based capital ratio | 35.7309% | 324 |
| Total risk-based capital ratio | 36.9880% | 314 |
| Memoranda: | ||
| Average total assets | $63,625,500 | 5,964 |
| Average earning assets | $59,719,500 | 5,888 |
| Average equity | $11,986,500 | 4,610 |
| Average total loans | $32,296,000 | 5,986 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 3,961 |
| Cost of funding earning assets | 0.7547% | 5,175 |
| Net interest margin | 4.0096% | 2,835 |
| Noninterest income to average assets | 0.6649% | 2,810 |
| Noninterest expense to average assets | 2.5193% | 5,406 |
| Loan and lease loss provision to assets | 1.7003% | 399 |
| Net operating income to assets | 0.1723% | 5,667 |
| Return on assets (ROA) | 0.1738% | 5,808 |
| Pretax return on assets | 0.1738% | 5,848 |
| Return on Equity (ROE) | 0.9730% | 5,971 |
| Retained earnings to average equity (ytd only) | 0.9730% | 5,404 |
| Net charge-offs to loans | 2.6257% | 428 |
| Credit loss provision to net charge-offs | 125.1403% | 2,499 |
| Earnings coverage of net charge-offs (x) | 1.3782% | 4,738 |
| Efficiency ratio | 57.3611% | 6,134 |
| Assets per employee ($millions) | 4.9558% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 3,701 |
| Loan loss allowance to noncurrent loans | 20.9911% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 3.8913% | 1,481 |
| Noncurrent loans to loans | 7.4885% | 566 |
| Net loans and leases to total assets | 50.6372% | 5,510 |
| Net loans and leases to deposits | 63.8452% | 5,036 |
| Net loans and leases to core deposits | 65.0197% | 5,360 |
| Total domestic deposits to total assets | 79.3124% | 5,910 |
| Equity capital to assets | 18.7955% | 290 |
| Core capital (leverage) ratio | 17.3295% | 341 |
| Tier 1 risk-based capital ratio | 34.1966% | 360 |
| Total risk-based capital ratio | 35.4507% | 354 |
| Memoranda: | ||
| Average total assets | $65,574,800 | 5,880 |
| Average earning assets | $60,953,000 | 5,837 |
| Average equity | $11,716,400 | 4,615 |
| Average total loans | $33,934,400 | 5,954 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 3,989 |
| Cost of funding earning assets | 0.8328% | 4,921 |
| Net interest margin | 3.9757% | 3,022 |
| Noninterest income to average assets | 0.6660% | 2,795 |
| Noninterest expense to average assets | 2.4455% | 5,644 |
| Loan and lease loss provision to assets | 2.1357% | 239 |
| Net operating income to assets | -0.2429% | 6,436 |
| Return on assets (ROA) | -0.2409% | 6,503 |
| Pretax return on assets | -0.2409% | 6,447 |
| Return on Equity (ROE) | -1.3656% | 6,421 |
| Retained earnings to average equity (ytd only) | -1.3656% | 6,214 |
| Net charge-offs to loans | 3.2969% | 254 |
| Credit loss provision to net charge-offs | 125.0000% | 2,566 |
| Earnings coverage of net charge-offs (x) | 1.1078% | 4,800 |
| Efficiency ratio | 56.3696% | 6,233 |
| Assets per employee ($millions) | 4.6621% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 4,014 |
| Loan loss allowance to noncurrent loans | 17.7312% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 4.4155% | 1,364 |
| Noncurrent loans to loans | 8.5681% | 489 |
| Net loans and leases to total assets | 50.4520% | 5,647 |
| Net loans and leases to deposits | 65.3918% | 4,992 |
| Net loans and leases to core deposits | 66.6114% | 5,354 |
| Total domestic deposits to total assets | 77.1534% | 6,353 |
| Equity capital to assets | 18.2320% | 364 |
| Core capital (leverage) ratio | 16.9165% | 409 |
| Tier 1 risk-based capital ratio | 32.4996% | 436 |
| Total risk-based capital ratio | 33.7546% | 429 |
| Memoranda: | ||
| Average total assets | $65,862,250 | 5,914 |
| Average earning assets | $60,834,500 | 5,877 |
| Average equity | $11,618,250 | 4,658 |
| Average total loans | $34,132,000 | 6,014 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8180% | 4,016 |
| Cost of funding earning assets | 0.8943% | 4,718 |
| Net interest margin | 3.9237% | 3,195 |
| Noninterest income to average assets | 0.6630% | 2,749 |
| Noninterest expense to average assets | 2.4947% | 5,559 |
| Loan and lease loss provision to assets | 3.0427% | 148 |
| Net operating income to assets | -1.2746% | 7,025 |
| Return on assets (ROA) | -1.2716% | 7,035 |
| Pretax return on assets | -1.2716% | 6,987 |
| Return on Equity (ROE) | -7.2889% | 6,835 |
| Retained earnings to average equity (ytd only) | -7.2889% | 6,732 |
| Net charge-offs to loans | 4.7900% | 143 |
| Credit loss provision to net charge-offs | 122.1142% | 2,494 |
| Earnings coverage of net charge-offs (x) | 0.7096% | 4,764 |
| Efficiency ratio | 58.5227% | 6,097 |
| Assets per employee ($millions) | 4.3658% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 4,422 |
| Loan loss allowance to noncurrent loans | 17.1808% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 4.2955% | 1,477 |
| Noncurrent loans to loans | 8.3476% | 521 |
| Net loans and leases to total assets | 50.2695% | 5,789 |
| Net loans and leases to deposits | 62.5166% | 5,448 |
| Net loans and leases to core deposits | 63.6258% | 5,765 |
| Total domestic deposits to total assets | 80.4099% | 5,703 |
| Equity capital to assets | 17.4661% | 429 |
| Core capital (leverage) ratio | 16.1383% | 491 |
| Tier 1 risk-based capital ratio | 31.5743% | 470 |
| Total risk-based capital ratio | 32.8248% | 461 |
| Memoranda: | ||
| Average total assets | $66,059,670 | 5,958 |
| Average earning assets | $60,605,670 | 5,933 |
| Average equity | $11,524,330 | 4,681 |
| Average total loans | $34,363,330 | 6,053 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9770% | 3,208 |
| Cost of funding earning assets | 0.9820% | 4,336 |
| Net interest margin | 3.9950% | 2,706 |
| Noninterest income to average assets | 0.6391% | 2,905 |
| Noninterest expense to average assets | 2.4839% | 5,611 |
| Loan and lease loss provision to assets | 2.4116% | 213 |
| Net operating income to assets | -0.6511% | 6,895 |
| Return on assets (ROA) | -0.6511% | 6,898 |
| Pretax return on assets | -0.6511% | 6,845 |
| Return on Equity (ROE) | -3.7346% | 6,720 |
| Retained earnings to average equity (ytd only) | -3.7346% | 6,382 |
| Net charge-offs to loans | 2.6173% | 419 |
| Credit loss provision to net charge-offs | 175.4386% | 1,664 |
| Earnings coverage of net charge-offs (x) | 1.2807% | 3,708 |
| Efficiency ratio | 58.5227% | 6,205 |
| Assets per employee ($millions) | 4.6973% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 4,766 |
| Loan loss allowance to noncurrent loans | 15.4888% | 6,907 |
| Noncurrent assets plus other real estate owned to assets | 4.6577% | 1,377 |
| Noncurrent loans to loans | 8.9098% | 508 |
| Net loans and leases to total assets | 50.9656% | 5,715 |
| Net loans and leases to deposits | 63.2652% | 5,354 |
| Net loans and leases to core deposits | 65.0278% | 5,621 |
| Total domestic deposits to total assets | 80.5587% | 5,801 |
| Equity capital to assets | 17.6424% | 392 |
| Core capital (leverage) ratio | 16.4358% | 442 |
| Tier 1 risk-based capital ratio | 32.3479% | 422 |
| Total risk-based capital ratio | 33.5986% | 415 |
| Memoranda: | ||
| Average total assets | $66,346,000 | 5,982 |
| Average earning assets | $59,875,500 | 5,999 |
| Average equity | $11,567,500 | 4,651 |
| Average total loans | $34,845,500 | 6,090 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3416% | 2,926 |
| Cost of funding earning assets | 1.2415% | 4,270 |
| Net interest margin | 4.1001% | 2,559 |
| Noninterest income to average assets | 0.6502% | 3,152 |
| Noninterest expense to average assets | 2.2028% | 6,602 |
| Loan and lease loss provision to assets | 0.4010% | 3,711 |
| Net operating income to assets | 1.7832% | 436 |
| Return on assets (ROA) | 1.8777% | 377 |
| Pretax return on assets | 1.8777% | 640 |
| Return on Equity (ROE) | 9.1409% | 2,238 |
| Retained earnings to average equity (ytd only) | -46.6386% | 7,396 |
| Net charge-offs to loans | 1.2458% | 1,801 |
| Credit loss provision to net charge-offs | 62.2222% | 6,050 |
| Earnings coverage of net charge-offs (x) | 3.3889% | 3,387 |
| Efficiency ratio | 50.2122% | 7,109 |
| Assets per employee ($millions) | 4.7807% | 2,444 |
| Cash dividends to net income (ytd only)* | 610.2212% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 6,902 |
| Loan loss allowance to noncurrent loans | 12.6761% | 7,047 |
| Noncurrent assets plus other real estate owned to assets | 3.5007% | 1,979 |
| Noncurrent loans to loans | 6.5619% | 906 |
| Net loans and leases to total assets | 52.9045% | 5,796 |
| Net loans and leases to deposits | 67.2740% | 5,202 |
| Net loans and leases to core deposits | 67.2740% | 5,745 |
| Total domestic deposits to total assets | 78.6404% | 6,185 |
| Equity capital to assets | 17.2314% | 432 |
| Core capital (leverage) ratio | 15.7962% | 534 |
| Tier 1 risk-based capital ratio | 30.9063% | 471 |
| Total risk-based capital ratio | 31.7258% | 483 |
| Memoranda: | ||
| Average total assets | $69,819,600 | 5,895 |
| Average earning assets | $63,632,400 | 5,868 |
| Average equity | $14,342,200 | 4,060 |
| Average total loans | $36,122,800 | 6,109 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4044% | 2,861 |
| Cost of funding earning assets | 1.2574% | 4,514 |
| Net interest margin | 4.1470% | 2,417 |
| Noninterest income to average assets | 0.6351% | 3,219 |
| Noninterest expense to average assets | 2.0810% | 6,887 |
| Loan and lease loss provision to assets | 0.3383% | 3,896 |
| Net operating income to assets | 1.9997% | 338 |
| Return on assets (ROA) | 2.1207% | 297 |
| Pretax return on assets | 2.1207% | 481 |
| Return on Equity (ROE) | 9.9436% | 2,147 |
| Retained earnings to average equity (ytd only) | -60.9554% | 7,603 |
| Net charge-offs to loans | 0.0258% | 6,312 |
| Credit loss provision to net charge-offs | 2,557.1429% | 118 |
| Earnings coverage of net charge-offs (x) | 176.7728% | 183 |
| Efficiency ratio | 47.0915% | 7,329 |
| Assets per employee ($millions) | 5.4048% | 1,715 |
| Cash dividends to net income (ytd only)* | 713.0137% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 2,924 |
| Loan loss allowance to noncurrent loans | 17.5309% | 6,987 |
| Noncurrent assets plus other real estate owned to assets | 5.1877% | 1,213 |
| Noncurrent loans to loans | 10.0585% | 417 |
| Net loans and leases to total assets | 50.6661% | 6,251 |
| Net loans and leases to deposits | 63.4010% | 5,984 |
| Net loans and leases to core deposits | 64.2906% | 6,275 |
| Total domestic deposits to total assets | 79.9138% | 5,732 |
| Equity capital to assets | 16.8341% | 537 |
| Core capital (leverage) ratio | 15.6218% | 620 |
| Tier 1 risk-based capital ratio | 29.7491% | 526 |
| Total risk-based capital ratio | 31.0051% | 512 |
| Memoranda: | ||
| Average total assets | $70,542,000 | 5,932 |
| Average earning assets | $64,366,000 | 5,909 |
| Average equity | $15,044,500 | 3,978 |
| Average total loans | $36,227,000 | 6,190 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4736% | 2,639 |
| Cost of funding earning assets | 1.2568% | 4,786 |
| Net interest margin | 4.2169% | 2,102 |
| Noninterest income to average assets | 0.6257% | 3,162 |
| Noninterest expense to average assets | 2.0924% | 6,928 |
| Loan and lease loss provision to assets | 0.5068% | 2,771 |
| Net operating income to assets | 1.9027% | 395 |
| Return on assets (ROA) | 1.9763% | 380 |
| Pretax return on assets | 1.9763% | 631 |
| Return on Equity (ROE) | 8.6618% | 2,598 |
| Retained earnings to average equity (ytd only) | -90.6143% | 7,720 |
| Net charge-offs to loans | 0.0386% | 5,822 |
| Credit loss provision to net charge-offs | 2,557.1429% | 167 |
| Earnings coverage of net charge-offs (x) | 121.5714% | 276 |
| Efficiency ratio | 46.4780% | 7,418 |
| Assets per employee ($millions) | 5.4370% | 1,680 |
| Cash dividends to net income (ytd only)* | 1,146.1318% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 2,806 |
| Loan loss allowance to noncurrent loans | 367.2414% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 6,787 |
| Noncurrent loans to loans | 0.4833% | 6,285 |
| Net loans and leases to total assets | 50.0318% | 6,428 |
| Net loans and leases to deposits | 60.9581% | 6,317 |
| Net loans and leases to core deposits | 62.3312% | 6,528 |
| Total domestic deposits to total assets | 82.0758% | 4,954 |
| Equity capital to assets | 15.9321% | 682 |
| Core capital (leverage) ratio | 14.7241% | 782 |
| Tier 1 risk-based capital ratio | 28.6178% | 591 |
| Total risk-based capital ratio | 29.8743% | 577 |
| Memoranda: | ||
| Average total assets | $70,635,330 | 5,958 |
| Average earning assets | $64,929,330 | 5,926 |
| Average equity | $16,116,670 | 3,776 |
| Average total loans | $36,223,330 | 6,236 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4675% | 2,744 |
| Cost of funding earning assets | 1.3070% | 4,774 |
| Net interest margin | 4.1605% | 2,196 |
| Noninterest income to average assets | 0.6061% | 3,244 |
| Noninterest expense to average assets | 2.1243% | 6,876 |
| Loan and lease loss provision to assets | 0.0397% | 6,279 |
| Net operating income to assets | 2.2829% | 218 |
| Return on assets (ROA) | 2.3282% | 224 |
| Pretax return on assets | 2.3282% | 334 |
| Return on Equity (ROE) | 8.8652% | 2,541 |
| Retained earnings to average equity (ytd only) | 8.8652% | 1,437 |
| Net charge-offs to loans | 0.0220% | 5,266 |
| Credit loss provision to net charge-offs | 350.0000% | 1,156 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 166 |
| Efficiency ratio | 47.7707% | 7,456 |
| Assets per employee ($millions) | 5.0964% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 4,862 |
| Loan loss allowance to noncurrent loans | 151.7685% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4359% | 6,380 |
| Noncurrent loans to loans | 0.8650% | 5,590 |
| Net loans and leases to total assets | 49.7295% | 6,492 |
| Net loans and leases to deposits | 69.3333% | 5,426 |
| Net loans and leases to core deposits | 69.3333% | 5,971 |
| Total domestic deposits to total assets | 71.7253% | 7,286 |
| Equity capital to assets | 26.3700% | 125 |
| Core capital (leverage) ratio | 25.5786% | 129 |
| Tier 1 risk-based capital ratio | 48.6381% | 164 |
| Total risk-based capital ratio | 49.8924% | 163 |
| Memoranda: | ||
| Average total assets | $70,612,500 | 6,030 |
| Average earning assets | $65,185,000 | 5,992 |
| Average equity | $18,544,500 | 3,389 |
| Average total loans | $36,334,000 | 6,292 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9600% | 2,017 |
| Cost of funding earning assets | 1.6716% | 4,660 |
| Net interest margin | 4.2884% | 1,753 |
| Noninterest income to average assets | 0.6940% | 3,021 |
| Noninterest expense to average assets | 1.9258% | 7,461 |
| Loan and lease loss provision to assets | 0.0233% | 7,274 |
| Net operating income to assets | 2.6390% | 77 |
| Return on assets (ROA) | 2.6814% | 77 |
| Pretax return on assets | 2.6814% | 131 |
| Return on Equity (ROE) | 11.1332% | 1,391 |
| Retained earnings to average equity (ytd only) | 5.5467% | 1,555 |
| Net charge-offs to loans | 0.0192% | 6,954 |
| Credit loss provision to net charge-offs | 242.8571% | 1,463 |
| Earnings coverage of net charge-offs (x) | 277.8571% | 105 |
| Efficiency ratio | 41.9749% | 7,825 |
| Assets per employee ($millions) | 4.9911% | 2,226 |
| Cash dividends to net income (ytd only)* | 50.1787% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 4,924 |
| Loan loss allowance to noncurrent loans | 657.7465% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 7,244 |
| Noncurrent loans to loans | 0.1934% | 6,939 |
| Net loans and leases to total assets | 51.8741% | 6,437 |
| Net loans and leases to deposits | 72.7574% | 5,230 |
| Net loans and leases to core deposits | 88.6972% | 5,253 |
| Total domestic deposits to total assets | 71.2973% | 7,305 |
| Equity capital to assets | 26.1524% | 137 |
| Core capital (leverage) ratio | 25.0063% | 153 |
| Tier 1 risk-based capital ratio | 47.4212% | 175 |
| Total risk-based capital ratio | 48.6589% | 174 |
| Memoranda: | ||
| Average total assets | $73,059,000 | 5,911 |
| Average earning assets | $66,341,800 | 5,926 |
| Average equity | $17,596,000 | 3,567 |
| Average total loans | $36,388,000 | 6,286 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1019% | 1,649 |
| Cost of funding earning assets | 1.7041% | 4,874 |
| Net interest margin | 4.3979% | 1,444 |
| Noninterest income to average assets | 0.5795% | 3,858 |
| Noninterest expense to average assets | 1.8667% | 7,582 |
| Loan and lease loss provision to assets | 0.0144% | 7,189 |
| Net operating income to assets | 2.6772% | 82 |
| Return on assets (ROA) | 2.7314% | 88 |
| Pretax return on assets | 2.7314% | 143 |
| Return on Equity (ROE) | 11.5759% | 1,471 |
| Retained earnings to average equity (ytd only) | 4.0550% | 3,009 |
| Net charge-offs to loans | 0.0184% | 6,656 |
| Credit loss provision to net charge-offs | 160.0000% | 2,966 |
| Earnings coverage of net charge-offs (x) | 298.0435% | 121 |
| Efficiency ratio | 40.9505% | 7,907 |
| Assets per employee ($millions) | 5.2639% | 1,826 |
| Cash dividends to net income (ytd only)* | 64.9702% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 4,791 |
| Loan loss allowance to noncurrent loans | 511.1111% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 6,918 |
| Noncurrent loans to loans | 0.2454% | 6,891 |
| Net loans and leases to total assets | 49.1519% | 6,853 |
| Net loans and leases to deposits | 73.0990% | 5,495 |
| Net loans and leases to core deposits | 88.7968% | 5,550 |
| Total domestic deposits to total assets | 67.2402% | 7,624 |
| Equity capital to assets | 24.3480% | 186 |
| Core capital (leverage) ratio | 24.2171% | 185 |
| Tier 1 risk-based capital ratio | 45.4202% | 203 |
| Total risk-based capital ratio | 46.6179% | 204 |
| Memoranda: | ||
| Average total assets | $73,855,000 | 5,935 |
| Average earning assets | $66,818,500 | 5,944 |
| Average equity | $17,426,500 | 3,626 |
| Average total loans | $36,306,500 | 6,329 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1373% | 1,658 |
| Cost of funding earning assets | 1.7069% | 5,234 |
| Net interest margin | 4.4303% | 1,335 |
| Noninterest income to average assets | 0.5872% | 3,793 |
| Noninterest expense to average assets | 1.8509% | 7,680 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.7818% | 75 |
| Return on assets (ROA) | 2.8522% | 79 |
| Pretax return on assets | 2.8522% | 122 |
| Return on Equity (ROE) | 12.2172% | 1,357 |
| Retained earnings to average equity (ytd only) | 4.3004% | 2,907 |
| Net charge-offs to loans | 0.0221% | 6,189 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 158 |
| Efficiency ratio | 39.9533% | 8,020 |
| Assets per employee ($millions) | 5.4401% | 1,631 |
| Cash dividends to net income (ytd only)* | 64.8008% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 4,481 |
| Loan loss allowance to noncurrent loans | 356.6929% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 6,715 |
| Noncurrent loans to loans | 0.3554% | 6,621 |
| Net loans and leases to total assets | 49.8819% | 6,881 |
| Net loans and leases to deposits | 70.0330% | 5,984 |
| Net loans and leases to core deposits | 85.0192% | 6,011 |
| Total domestic deposits to total assets | 71.2264% | 7,338 |
| Equity capital to assets | 24.6263% | 210 |
| Core capital (leverage) ratio | 23.7609% | 232 |
| Tier 1 risk-based capital ratio | 46.6901% | 206 |
| Total risk-based capital ratio | 47.9136% | 207 |
| Memoranda: | ||
| Average total assets | $73,908,670 | 5,980 |
| Average earning assets | $67,489,330 | 5,963 |
| Average equity | $17,254,330 | 3,671 |
| Average total loans | $36,181,330 | 6,394 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9788% | 2,447 |
| Cost of funding earning assets | 1.6495% | 5,816 |
| Net interest margin | 4.3293% | 1,517 |
| Noninterest income to average assets | 0.5245% | 4,100 |
| Noninterest expense to average assets | 1.7695% | 7,736 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.7178% | 87 |
| Return on assets (ROA) | 2.7973% | 103 |
| Pretax return on assets | 2.7973% | 152 |
| Return on Equity (ROE) | 12.2980% | 1,571 |
| Retained earnings to average equity (ytd only) | 5.2173% | 3,009 |
| Net charge-offs to loans | 0.0110% | 5,472 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 513.0000% | 56 |
| Efficiency ratio | 39.4333% | 8,059 |
| Assets per employee ($millions) | 5.7937% | 1,326 |
| Cash dividends to net income (ytd only)* | 57.5758% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 4,038 |
| Loan loss allowance to noncurrent loans | 216.1137% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 6,606 |
| Noncurrent loans to loans | 0.6044% | 5,885 |
| Net loans and leases to total assets | 45.7447% | 7,208 |
| Net loans and leases to deposits | 66.9517% | 6,281 |
| Net loans and leases to core deposits | 80.8988% | 6,315 |
| Total domestic deposits to total assets | 68.3250% | 7,573 |
| Equity capital to assets | 22.9533% | 278 |
| Core capital (leverage) ratio | 22.2527% | 300 |
| Tier 1 risk-based capital ratio | 46.2791% | 238 |
| Total risk-based capital ratio | 47.5104% | 238 |
| Memoranda: | ||
| Average total assets | $75,502,500 | 5,960 |
| Average earning assets | $69,111,000 | 5,945 |
| Average equity | $17,173,500 | 3,702 |
| Average total loans | $36,407,000 | 6,424 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5022% | 2,951 |
| Cost of funding earning assets | 2.2016% | 5,593 |
| Net interest margin | 4.3006% | 1,967 |
| Noninterest income to average assets | 0.7198% | 2,990 |
| Noninterest expense to average assets | 1.9170% | 7,586 |
| Loan and lease loss provision to assets | 0.1285% | 5,723 |
| Net operating income to assets | 2.6499% | 96 |
| Return on assets (ROA) | 2.6995% | 89 |
| Pretax return on assets | 2.6995% | 136 |
| Return on Equity (ROE) | 11.3744% | 1,797 |
| Retained earnings to average equity (ytd only) | 5.9548% | 1,554 |
| Net charge-offs to loans | 0.0852% | 5,542 |
| Credit loss provision to net charge-offs | 303.4483% | 1,483 |
| Earnings coverage of net charge-offs (x) | 65.6207% | 615 |
| Efficiency ratio | 40.8271% | 8,112 |
| Assets per employee ($millions) | 5.8221% | 1,249 |
| Cash dividends to net income (ytd only)* | 47.6474% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 4,485 |
| Loan loss allowance to noncurrent loans | 196.9828% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 6,247 |
| Noncurrent loans to loans | 0.6121% | 5,536 |
| Net loans and leases to total assets | 49.4761% | 7,074 |
| Net loans and leases to deposits | 78.0699% | 5,328 |
| Net loans and leases to core deposits | 94.3059% | 5,421 |
| Total domestic deposits to total assets | 63.3742% | 7,821 |
| Equity capital to assets | 22.5389% | 329 |
| Core capital (leverage) ratio | 22.5374% | 320 |
| Tier 1 risk-based capital ratio | 43.7204% | 276 |
| Total risk-based capital ratio | 44.9017% | 277 |
| Memoranda: | ||
| Average total assets | $68,493,800 | 6,078 |
| Average earning assets | $63,317,000 | 6,043 |
| Average equity | $16,255,800 | 3,875 |
| Average total loans | $34,037,600 | 6,487 |