Home > Farmers Exchange Bank > Performance and Condition Ratios
Farmers Exchange Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3689% | 2,002 |
| Cost of funding earning assets | 0.2434% | 4,850 |
| Net interest margin | 4.1255% | 1,348 |
| Noninterest income to average assets | 1.5290% | 536 |
| Noninterest expense to average assets | 2.4110% | 4,486 |
| Loan and lease loss provision to assets | 0.4208% | 311 |
| Net operating income to assets | 1.7710% | 506 |
| Return on assets (ROA) | 1.7710% | 523 |
| Pretax return on assets | 2.3532% | 273 |
| Return on Equity (ROE) | 14.3957% | 787 |
| Retained earnings to average equity (ytd only) | -16.6619% | 6,103 |
| Net charge-offs to loans | 0.3411% | 869 |
| Credit loss provision to net charge-offs | 242.4242% | 1,177 |
| Earnings coverage of net charge-offs (x) | 15.9798% | 2,165 |
| Efficiency ratio | 46.4998% | 5,902 |
| Assets per employee ($millions) | 4.6137% | 2,864 |
| Cash dividends to net income (ytd only)* | 215.7426% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4062% | 5,990 |
| Loan loss allowance to noncurrent loans | 39.2027% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 0.6737% | 3,020 |
| Noncurrent loans to loans | 1.0363% | 2,263 |
| Net loans and leases to total assets | 52.2524% | 4,672 |
| Net loans and leases to deposits | 57.8742% | 4,920 |
| Net loans and leases to core deposits | 57.8742% | 5,105 |
| Total domestic deposits to total assets | 90.2861% | 506 |
| Equity capital to assets | 9.3418% | 4,739 |
| Core capital (leverage) ratio | 9.2378% | 4,564 |
| Tier 1 risk-based capital ratio | 17.7395% | 2,041 |
| Total risk-based capital ratio | 18.1499% | 2,269 |
| Memoranda: | ||
| Average total assets | $57,029,400 | 5,380 |
| Average earning assets | $50,539,400 | 5,421 |
| Average equity | $7,016,000 | 5,239 |
| Average total loans | $29,024,000 | 5,400 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 1,833 |
| Cost of funding earning assets | 0.2481% | 4,900 |
| Net interest margin | 4.1763% | 1,222 |
| Noninterest income to average assets | 1.7779% | 424 |
| Noninterest expense to average assets | 2.3303% | 4,701 |
| Loan and lease loss provision to assets | 0.2437% | 717 |
| Net operating income to assets | 2.1539% | 279 |
| Return on assets (ROA) | 2.1539% | 295 |
| Pretax return on assets | 2.8757% | 135 |
| Return on Equity (ROE) | 16.5481% | 526 |
| Retained earnings to average equity (ytd only) | 16.5481% | 119 |
| Net charge-offs to loans | 0.4595% | 547 |
| Credit loss provision to net charge-offs | 105.0000% | 2,185 |
| Earnings coverage of net charge-offs (x) | 13.4400% | 2,331 |
| Efficiency ratio | 42.7598% | 6,066 |
| Assets per employee ($millions) | 4.7853% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 2,241 |
| Loan loss allowance to noncurrent loans | 106.0302% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.9978% | 2,365 |
| Noncurrent loans to loans | 1.3952% | 1,827 |
| Net loans and leases to total assets | 48.9412% | 5,019 |
| Net loans and leases to deposits | 57.2931% | 5,053 |
| Net loans and leases to core deposits | 57.2931% | 5,235 |
| Total domestic deposits to total assets | 85.4225% | 2,818 |
| Equity capital to assets | 13.9628% | 1,037 |
| Core capital (leverage) ratio | 11.5095% | 2,028 |
| Tier 1 risk-based capital ratio | 20.8772% | 1,361 |
| Total risk-based capital ratio | 22.1313% | 1,334 |
| Memoranda: | ||
| Average total assets | $57,445,750 | 5,442 |
| Average earning assets | $50,506,000 | 5,492 |
| Average equity | $7,477,000 | 5,218 |
| Average total loans | $29,018,250 | 5,468 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 1,281 |
| Cost of funding earning assets | 0.2516% | 4,923 |
| Net interest margin | 4.3485% | 838 |
| Noninterest income to average assets | 0.5187% | 3,235 |
| Noninterest expense to average assets | 2.5064% | 4,223 |
| Loan and lease loss provision to assets | 0.1984% | 992 |
| Net operating income to assets | 1.3026% | 1,318 |
| Return on assets (ROA) | 1.3054% | 1,367 |
| Pretax return on assets | 1.6083% | 1,308 |
| Return on Equity (ROE) | 10.2787% | 1,941 |
| Retained earnings to average equity (ytd only) | 10.2787% | 621 |
| Net charge-offs to loans | 0.3564% | 735 |
| Credit loss provision to net charge-offs | 109.6154% | 1,931 |
| Earnings coverage of net charge-offs (x) | 9.9615% | 2,406 |
| Efficiency ratio | 58.1583% | 5,204 |
| Assets per employee ($millions) | 4.4316% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 2,405 |
| Loan loss allowance to noncurrent loans | 82.2957% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.0397% | 2,430 |
| Noncurrent loans to loans | 1.7890% | 1,434 |
| Net loans and leases to total assets | 49.1364% | 5,002 |
| Net loans and leases to deposits | 56.6205% | 5,086 |
| Net loans and leases to core deposits | 56.6205% | 5,271 |
| Total domestic deposits to total assets | 86.7820% | 2,274 |
| Equity capital to assets | 12.8083% | 1,488 |
| Core capital (leverage) ratio | 10.4380% | 3,038 |
| Tier 1 risk-based capital ratio | 18.5129% | 1,916 |
| Total risk-based capital ratio | 19.7634% | 1,882 |
| Memoranda: | ||
| Average total assets | $57,453,000 | 5,503 |
| Average earning assets | $50,085,670 | 5,560 |
| Average equity | $7,296,670 | 5,299 |
| Average total loans | $29,182,330 | 5,507 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3380% | 1,977 |
| Cost of funding earning assets | 0.2510% | 5,011 |
| Net interest margin | 4.0870% | 1,314 |
| Noninterest income to average assets | 0.5020% | 3,270 |
| Noninterest expense to average assets | 1.9521% | 5,660 |
| Loan and lease loss provision to assets | 0.0627% | 2,672 |
| Net operating income to assets | 1.6175% | 697 |
| Return on assets (ROA) | 1.6175% | 729 |
| Pretax return on assets | 2.1194% | 465 |
| Return on Equity (ROE) | 12.7903% | 1,142 |
| Retained earnings to average equity (ytd only) | 12.7903% | 472 |
| Net charge-offs to loans | -0.0136% | 4,865 |
| Credit loss provision to net charge-offs | -900.0000% | 4,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2175% | 6,055 |
| Assets per employee ($millions) | 4.3027% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 2,616 |
| Loan loss allowance to noncurrent loans | 48.4677% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 1.8933% | 1,281 |
| Noncurrent loans to loans | 3.0143% | 717 |
| Net loans and leases to total assets | 51.4883% | 4,707 |
| Net loans and leases to deposits | 59.6508% | 4,770 |
| Net loans and leases to core deposits | 59.6508% | 5,017 |
| Total domestic deposits to total assets | 86.3163% | 2,759 |
| Equity capital to assets | 13.2761% | 1,267 |
| Core capital (leverage) ratio | 10.2666% | 3,256 |
| Tier 1 risk-based capital ratio | 20.5855% | 1,511 |
| Total risk-based capital ratio | 21.8380% | 1,474 |
| Memoranda: | ||
| Average total assets | $57,374,000 | 5,560 |
| Average earning assets | $50,991,000 | 5,590 |
| Average equity | $7,255,500 | 5,351 |
| Average total loans | $29,408,000 | 5,545 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 2,532 |
| Cost of funding earning assets | 0.2821% | 4,985 |
| Net interest margin | 4.0371% | 1,784 |
| Noninterest income to average assets | 0.6660% | 2,475 |
| Noninterest expense to average assets | 2.8478% | 3,316 |
| Loan and lease loss provision to assets | -0.1474% | 6,229 |
| Net operating income to assets | 1.1135% | 1,931 |
| Return on assets (ROA) | 1.1135% | 1,979 |
| Pretax return on assets | 1.6147% | 1,193 |
| Return on Equity (ROE) | 9.4384% | 2,368 |
| Retained earnings to average equity (ytd only) | 2.3817% | 4,533 |
| Net charge-offs to loans | 0.0611% | 3,622 |
| Credit loss provision to net charge-offs | -472.2222% | 5,777 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 974 |
| Efficiency ratio | 65.9968% | 4,253 |
| Assets per employee ($millions) | 4.2009% | 3,545 |
| Cash dividends to net income (ytd only)* | 74.7664% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 2,906 |
| Loan loss allowance to noncurrent loans | 53.5302% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 1.6272% | 1,659 |
| Noncurrent loans to loans | 2.6327% | 936 |
| Net loans and leases to total assets | 49.6013% | 5,007 |
| Net loans and leases to deposits | 56.7295% | 5,137 |
| Net loans and leases to core deposits | 56.7295% | 5,333 |
| Total domestic deposits to total assets | 87.4348% | 2,068 |
| Equity capital to assets | 12.0467% | 1,988 |
| Core capital (leverage) ratio | 10.0690% | 3,473 |
| Tier 1 risk-based capital ratio | 18.1459% | 2,094 |
| Total risk-based capital ratio | 19.3149% | 2,083 |
| Memoranda: | ||
| Average total assets | $57,658,600 | 5,609 |
| Average earning assets | $52,116,800 | 5,618 |
| Average equity | $6,802,000 | 5,458 |
| Average total loans | $29,446,800 | 5,579 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 2,168 |
| Cost of funding earning assets | 0.2878% | 5,015 |
| Net interest margin | 4.1295% | 1,488 |
| Noninterest income to average assets | 0.6159% | 2,771 |
| Noninterest expense to average assets | 2.8562% | 3,269 |
| Loan and lease loss provision to assets | -0.1975% | 6,383 |
| Net operating income to assets | 1.1550% | 1,846 |
| Return on assets (ROA) | 1.1550% | 1,906 |
| Pretax return on assets | 1.6919% | 1,083 |
| Return on Equity (ROE) | 9.8444% | 2,295 |
| Retained earnings to average equity (ytd only) | 0.3368% | 5,708 |
| Net charge-offs to loans | 0.1269% | 2,526 |
| Credit loss provision to net charge-offs | -303.5714% | 5,648 |
| Earnings coverage of net charge-offs (x) | 22.9657% | 1,610 |
| Efficiency ratio | 65.6517% | 4,265 |
| Assets per employee ($millions) | 3.5241% | 4,817 |
| Cash dividends to net income (ytd only)* | 96.5789% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 3,285 |
| Loan loss allowance to noncurrent loans | 93.3638% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0907% | 2,782 |
| Noncurrent loans to loans | 1.4732% | 2,206 |
| Net loans and leases to total assets | 51.8844% | 4,821 |
| Net loans and leases to deposits | 59.5340% | 4,983 |
| Net loans and leases to core deposits | 59.9918% | 5,188 |
| Total domestic deposits to total assets | 87.1508% | 2,232 |
| Equity capital to assets | 12.2958% | 1,830 |
| Core capital (leverage) ratio | 9.6741% | 4,124 |
| Tier 1 risk-based capital ratio | 17.7262% | 2,305 |
| Total risk-based capital ratio | 18.9774% | 2,267 |
| Memoranda: | ||
| Average total assets | $57,370,000 | 5,678 |
| Average earning assets | $51,885,750 | 5,685 |
| Average equity | $6,731,250 | 5,525 |
| Average total loans | $29,411,250 | 5,642 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 2,136 |
| Cost of funding earning assets | 0.2954% | 5,013 |
| Net interest margin | 4.1161% | 1,458 |
| Noninterest income to average assets | 0.4576% | 3,809 |
| Noninterest expense to average assets | 2.7626% | 3,648 |
| Loan and lease loss provision to assets | 0.0728% | 2,816 |
| Net operating income to assets | 0.9428% | 2,582 |
| Return on assets (ROA) | 0.9428% | 2,681 |
| Pretax return on assets | 1.3415% | 2,109 |
| Return on Equity (ROE) | 8.1633% | 3,011 |
| Retained earnings to average equity (ytd only) | -6.2425% | 6,307 |
| Net charge-offs to loans | 0.1909% | 1,880 |
| Credit loss provision to net charge-offs | 75.0000% | 2,386 |
| Earnings coverage of net charge-offs (x) | 14.5714% | 1,906 |
| Efficiency ratio | 66.1411% | 4,349 |
| Assets per employee ($millions) | 3.6318% | 4,595 |
| Cash dividends to net income (ytd only)* | 176.4706% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 1,937 |
| Loan loss allowance to noncurrent loans | 180.6338% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 3,990 |
| Noncurrent loans to loans | 0.9781% | 3,278 |
| Net loans and leases to total assets | 49.0845% | 5,067 |
| Net loans and leases to deposits | 55.7342% | 5,215 |
| Net loans and leases to core deposits | 56.1457% | 5,402 |
| Total domestic deposits to total assets | 88.0688% | 1,865 |
| Equity capital to assets | 11.5561% | 2,369 |
| Core capital (leverage) ratio | 9.2811% | 4,620 |
| Tier 1 risk-based capital ratio | 17.1398% | 2,562 |
| Total risk-based capital ratio | 18.3957% | 2,527 |
| Memoranda: | ||
| Average total assets | $57,698,330 | 5,721 |
| Average earning assets | $52,136,330 | 5,733 |
| Average equity | $6,664,000 | 5,570 |
| Average total loans | $29,327,330 | 5,686 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 2,462 |
| Cost of funding earning assets | 0.3006% | 5,058 |
| Net interest margin | 4.0163% | 1,705 |
| Noninterest income to average assets | 0.4940% | 3,460 |
| Noninterest expense to average assets | 2.8177% | 3,501 |
| Loan and lease loss provision to assets | 0.1461% | 1,667 |
| Net operating income to assets | 0.8349% | 2,979 |
| Return on assets (ROA) | 0.8349% | 3,050 |
| Pretax return on assets | 1.1549% | 2,676 |
| Return on Equity (ROE) | 7.2305% | 3,335 |
| Retained earnings to average equity (ytd only) | -21.6916% | 6,546 |
| Net charge-offs to loans | -0.0271% | 5,506 |
| Credit loss provision to net charge-offs | -1,050.0000% | 5,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4122% | 4,110 |
| Assets per employee ($millions) | 3.1137% | 5,660 |
| Cash dividends to net income (ytd only)* | 400.0000% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8653% | 1,855 |
| Loan loss allowance to noncurrent loans | 161.4243% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 3,780 |
| Noncurrent loans to loans | 1.1555% | 3,119 |
| Net loans and leases to total assets | 51.0643% | 4,790 |
| Net loans and leases to deposits | 58.0645% | 4,934 |
| Net loans and leases to core deposits | 58.5085% | 5,163 |
| Total domestic deposits to total assets | 87.9440% | 2,260 |
| Equity capital to assets | 11.5635% | 2,192 |
| Core capital (leverage) ratio | 9.0950% | 4,877 |
| Tier 1 risk-based capital ratio | 16.4220% | 2,937 |
| Total risk-based capital ratio | 17.6780% | 2,904 |
| Memoranda: | ||
| Average total assets | $57,493,500 | 5,779 |
| Average earning assets | $51,889,000 | 5,791 |
| Average equity | $6,638,500 | 5,606 |
| Average total loans | $29,473,500 | 5,732 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 1,766 |
| Cost of funding earning assets | 0.3295% | 5,329 |
| Net interest margin | 4.3031% | 1,101 |
| Noninterest income to average assets | 0.8539% | 1,854 |
| Noninterest expense to average assets | 3.1198% | 2,675 |
| Loan and lease loss provision to assets | 0.1479% | 2,436 |
| Net operating income to assets | 0.9560% | 2,537 |
| Return on assets (ROA) | 0.9560% | 2,610 |
| Pretax return on assets | 1.4490% | 1,618 |
| Return on Equity (ROE) | 7.9891% | 3,038 |
| Retained earnings to average equity (ytd only) | 0.9269% | 5,419 |
| Net charge-offs to loans | 0.6344% | 1,026 |
| Credit loss provision to net charge-offs | 42.8571% | 3,978 |
| Earnings coverage of net charge-offs (x) | 4.6276% | 3,509 |
| Efficiency ratio | 66.1441% | 4,532 |
| Assets per employee ($millions) | 3.1021% | 5,667 |
| Cash dividends to net income (ytd only)* | 88.3978% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 2,254 |
| Loan loss allowance to noncurrent loans | 205.5336% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 4,424 |
| Noncurrent loans to loans | 0.8495% | 3,852 |
| Net loans and leases to total assets | 49.6488% | 5,126 |
| Net loans and leases to deposits | 56.4596% | 5,259 |
| Net loans and leases to core deposits | 56.8699% | 5,473 |
| Total domestic deposits to total assets | 87.9369% | 2,212 |
| Equity capital to assets | 11.5304% | 2,140 |
| Core capital (leverage) ratio | 9.7889% | 3,851 |
| Tier 1 risk-based capital ratio | 17.1222% | 2,555 |
| Total risk-based capital ratio | 18.3760% | 2,527 |
| Memoranda: | ||
| Average total assets | $56,797,800 | 5,842 |
| Average earning assets | $50,986,200 | 5,864 |
| Average equity | $6,796,800 | 5,620 |
| Average total loans | $30,896,800 | 5,717 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6877% | 1,632 |
| Cost of funding earning assets | 0.3411% | 5,374 |
| Net interest margin | 4.3466% | 996 |
| Noninterest income to average assets | 0.9835% | 1,501 |
| Noninterest expense to average assets | 2.8295% | 3,561 |
| Loan and lease loss provision to assets | 0.1493% | 2,403 |
| Net operating income to assets | 1.2276% | 1,539 |
| Return on assets (ROA) | 1.2276% | 1,613 |
| Pretax return on assets | 1.9006% | 709 |
| Return on Equity (ROE) | 10.1611% | 2,121 |
| Retained earnings to average equity (ytd only) | 0.7455% | 5,675 |
| Net charge-offs to loans | 0.5517% | 1,152 |
| Credit loss provision to net charge-offs | 48.8372% | 3,536 |
| Earnings coverage of net charge-offs (x) | 6.7052% | 2,922 |
| Efficiency ratio | 57.9893% | 5,685 |
| Assets per employee ($millions) | 2.8215% | 6,124 |
| Cash dividends to net income (ytd only)* | 92.6634% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8546% | 2,127 |
| Loan loss allowance to noncurrent loans | 76.6938% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.4903% | 2,699 |
| Noncurrent loans to loans | 2.4182% | 1,812 |
| Net loans and leases to total assets | 53.0799% | 4,739 |
| Net loans and leases to deposits | 60.7936% | 4,893 |
| Net loans and leases to core deposits | 61.2561% | 5,186 |
| Total domestic deposits to total assets | 87.3117% | 2,502 |
| Equity capital to assets | 12.0326% | 1,897 |
| Core capital (leverage) ratio | 9.8773% | 3,853 |
| Tier 1 risk-based capital ratio | 12.7879% | 5,263 |
| Total risk-based capital ratio | 14.0383% | 5,202 |
| Memoranda: | ||
| Average total assets | $56,262,250 | 5,926 |
| Average earning assets | $50,429,000 | 5,942 |
| Average equity | $6,797,000 | 5,696 |
| Average total loans | $31,175,250 | 5,758 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 1,522 |
| Cost of funding earning assets | 0.3506% | 5,401 |
| Net interest margin | 4.3667% | 908 |
| Noninterest income to average assets | 1.0782% | 1,314 |
| Noninterest expense to average assets | 2.7790% | 3,749 |
| Loan and lease loss provision to assets | 0.1494% | 2,462 |
| Net operating income to assets | 1.3628% | 1,163 |
| Return on assets (ROA) | 1.3628% | 1,247 |
| Pretax return on assets | 2.0496% | 545 |
| Return on Equity (ROE) | 11.2658% | 1,727 |
| Retained earnings to average equity (ytd only) | -1.4413% | 6,118 |
| Net charge-offs to loans | 0.6562% | 997 |
| Credit loss provision to net charge-offs | 40.7767% | 3,407 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,786 |
| Efficiency ratio | 55.8256% | 5,983 |
| Assets per employee ($millions) | 2.7764% | 6,187 |
| Cash dividends to net income (ytd only)* | 112.7937% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 2,459 |
| Loan loss allowance to noncurrent loans | 206.1372% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 4,452 |
| Noncurrent loans to loans | 0.8691% | 4,185 |
| Net loans and leases to total assets | 56.3690% | 4,229 |
| Net loans and leases to deposits | 64.5587% | 4,429 |
| Net loans and leases to core deposits | 65.0579% | 4,783 |
| Total domestic deposits to total assets | 87.3143% | 2,649 |
| Equity capital to assets | 12.1022% | 1,848 |
| Core capital (leverage) ratio | 9.8235% | 3,766 |
| Tier 1 risk-based capital ratio | 12.2829% | 5,632 |
| Total risk-based capital ratio | 13.5339% | 5,580 |
| Memoranda: | ||
| Average total assets | $56,206,330 | 5,968 |
| Average earning assets | $50,197,670 | 5,989 |
| Average equity | $6,799,330 | 5,735 |
| Average total loans | $31,394,000 | 5,784 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 1,777 |
| Cost of funding earning assets | 0.3650% | 5,416 |
| Net interest margin | 4.2531% | 1,064 |
| Noninterest income to average assets | 1.0823% | 1,265 |
| Noninterest expense to average assets | 2.5537% | 4,555 |
| Loan and lease loss provision to assets | 0.1486% | 2,394 |
| Net operating income to assets | 1.4501% | 955 |
| Return on assets (ROA) | 1.4501% | 1,034 |
| Pretax return on assets | 2.1717% | 438 |
| Return on Equity (ROE) | 11.9901% | 1,428 |
| Retained earnings to average equity (ytd only) | -11.4052% | 6,666 |
| Net charge-offs to loans | 1.4893% | 366 |
| Credit loss provision to net charge-offs | 18.1034% | 3,063 |
| Earnings coverage of net charge-offs (x) | 2.8276% | 2,930 |
| Efficiency ratio | 52.3948% | 6,351 |
| Assets per employee ($millions) | 2.9383% | 6,095 |
| Cash dividends to net income (ytd only)* | 195.1220% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 2,944 |
| Loan loss allowance to noncurrent loans | 183.9041% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.8759% | 4,191 |
| Noncurrent loans to loans | 0.9329% | 4,268 |
| Net loans and leases to total assets | 55.1050% | 4,222 |
| Net loans and leases to deposits | 63.0023% | 4,423 |
| Net loans and leases to core deposits | 63.4846% | 4,792 |
| Total domestic deposits to total assets | 87.4651% | 2,650 |
| Equity capital to assets | 12.0656% | 1,997 |
| Core capital (leverage) ratio | 9.3557% | 4,311 |
| Tier 1 risk-based capital ratio | 12.0589% | 5,879 |
| Total risk-based capital ratio | 13.3103% | 5,831 |
| Memoranda: | ||
| Average total assets | $56,546,000 | 6,011 |
| Average earning assets | $50,410,000 | 6,036 |
| Average equity | $6,839,000 | 5,784 |
| Average total loans | $31,155,500 | 5,841 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8519% | 2,012 |
| Cost of funding earning assets | 0.4306% | 5,720 |
| Net interest margin | 4.4214% | 1,113 |
| Noninterest income to average assets | 1.1746% | 1,144 |
| Noninterest expense to average assets | 2.9191% | 3,569 |
| Loan and lease loss provision to assets | 0.3909% | 1,665 |
| Net operating income to assets | 1.2221% | 1,528 |
| Return on assets (ROA) | 1.2221% | 1,697 |
| Pretax return on assets | 1.7847% | 946 |
| Return on Equity (ROE) | 9.8400% | 2,237 |
| Retained earnings to average equity (ytd only) | 1.1326% | 5,307 |
| Net charge-offs to loans | 0.3142% | 3,069 |
| Credit loss provision to net charge-offs | 227.6596% | 1,087 |
| Earnings coverage of net charge-offs (x) | 12.6702% | 1,904 |
| Efficiency ratio | 57.2965% | 5,921 |
| Assets per employee ($millions) | 3.0139% | 5,994 |
| Cash dividends to net income (ytd only)* | 88.4903% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0381% | 1,922 |
| Loan loss allowance to noncurrent loans | 106.3973% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.4355% | 3,241 |
| Noncurrent loans to loans | 1.9155% | 2,786 |
| Net loans and leases to total assets | 53.0490% | 4,748 |
| Net loans and leases to deposits | 60.7002% | 4,945 |
| Net loans and leases to core deposits | 61.1535% | 5,259 |
| Total domestic deposits to total assets | 87.3952% | 2,577 |
| Equity capital to assets | 12.1228% | 1,963 |
| Core capital (leverage) ratio | 9.9309% | 3,498 |
| Tier 1 risk-based capital ratio | 12.4900% | 5,487 |
| Total risk-based capital ratio | 13.7458% | 5,435 |
| Memoranda: | ||
| Average total assets | $54,742,000 | 6,057 |
| Average earning assets | $48,537,200 | 6,100 |
| Average equity | $6,798,800 | 5,818 |
| Average total loans | $29,914,400 | 5,953 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8739% | 2,112 |
| Cost of funding earning assets | 0.4496% | 5,802 |
| Net interest margin | 4.4243% | 1,152 |
| Noninterest income to average assets | 1.1507% | 1,152 |
| Noninterest expense to average assets | 2.7769% | 4,066 |
| Loan and lease loss provision to assets | 0.2218% | 2,843 |
| Net operating income to assets | 1.3971% | 1,230 |
| Return on assets (ROA) | 1.3971% | 1,353 |
| Pretax return on assets | 2.0796% | 596 |
| Return on Equity (ROE) | 11.1782% | 1,898 |
| Retained earnings to average equity (ytd only) | 0.4535% | 5,957 |
| Net charge-offs to loans | 0.3779% | 2,587 |
| Credit loss provision to net charge-offs | 107.1429% | 2,742 |
| Earnings coverage of net charge-offs (x) | 11.1188% | 2,107 |
| Efficiency ratio | 54.6822% | 6,179 |
| Assets per employee ($millions) | 2.7373% | 6,445 |
| Cash dividends to net income (ytd only)* | 95.9443% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 2,988 |
| Loan loss allowance to noncurrent loans | 72.8551% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.8705% | 2,829 |
| Noncurrent loans to loans | 2.3904% | 2,414 |
| Net loans and leases to total assets | 53.3847% | 4,840 |
| Net loans and leases to deposits | 61.5401% | 5,022 |
| Net loans and leases to core deposits | 62.0233% | 5,358 |
| Total domestic deposits to total assets | 86.7479% | 2,826 |
| Equity capital to assets | 12.6347% | 1,807 |
| Core capital (leverage) ratio | 9.8750% | 3,720 |
| Tier 1 risk-based capital ratio | 12.6525% | 5,521 |
| Total risk-based capital ratio | 13.8943% | 5,486 |
| Memoranda: | ||
| Average total assets | $54,111,500 | 6,149 |
| Average earning assets | $48,037,000 | 6,197 |
| Average equity | $6,763,000 | 5,888 |
| Average total loans | $29,640,500 | 6,044 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 2,001 |
| Cost of funding earning assets | 0.4708% | 5,826 |
| Net interest margin | 4.4555% | 1,069 |
| Noninterest income to average assets | 1.1429% | 1,089 |
| Noninterest expense to average assets | 2.7124% | 4,360 |
| Loan and lease loss provision to assets | 0.2449% | 2,612 |
| Net operating income to assets | 1.4063% | 1,180 |
| Return on assets (ROA) | 1.4063% | 1,316 |
| Pretax return on assets | 2.1187% | 563 |
| Return on Equity (ROE) | 11.2938% | 1,883 |
| Retained earnings to average equity (ytd only) | -3.4865% | 6,509 |
| Net charge-offs to loans | 0.5472% | 1,948 |
| Credit loss provision to net charge-offs | 81.4815% | 3,276 |
| Earnings coverage of net charge-offs (x) | 7.8642% | 2,409 |
| Efficiency ratio | 53.4357% | 6,375 |
| Assets per employee ($millions) | 2.5946% | 6,660 |
| Cash dividends to net income (ytd only)* | 130.8707% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 3,228 |
| Loan loss allowance to noncurrent loans | 42.6609% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 2.5474% | 2,194 |
| Noncurrent loans to loans | 3.9836% | 1,387 |
| Net loans and leases to total assets | 52.7612% | 4,997 |
| Net loans and leases to deposits | 60.4941% | 5,197 |
| Net loans and leases to core deposits | 60.9675% | 5,493 |
| Total domestic deposits to total assets | 87.2171% | 2,641 |
| Equity capital to assets | 12.3736% | 1,899 |
| Core capital (leverage) ratio | 9.8484% | 3,649 |
| Tier 1 risk-based capital ratio | 12.5805% | 5,512 |
| Total risk-based capital ratio | 13.7977% | 5,513 |
| Memoranda: | ||
| Average total assets | $53,900,000 | 6,191 |
| Average earning assets | $47,582,000 | 6,244 |
| Average equity | $6,711,670 | 5,927 |
| Average total loans | $29,606,000 | 6,083 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1135% | 1,538 |
| Cost of funding earning assets | 0.4927% | 5,862 |
| Net interest margin | 4.6208% | 793 |
| Noninterest income to average assets | 1.3804% | 762 |
| Noninterest expense to average assets | 2.7982% | 4,035 |
| Loan and lease loss provision to assets | 0.3134% | 1,999 |
| Net operating income to assets | 1.5446% | 951 |
| Return on assets (ROA) | 1.5446% | 1,067 |
| Pretax return on assets | 2.3281% | 437 |
| Return on Equity (ROE) | 12.3647% | 1,562 |
| Retained earnings to average equity (ytd only) | -16.3070% | 6,995 |
| Net charge-offs to loans | 1.0609% | 972 |
| Credit loss provision to net charge-offs | 53.1646% | 3,231 |
| Earnings coverage of net charge-offs (x) | 4.4810% | 2,564 |
| Efficiency ratio | 51.4403% | 6,585 |
| Assets per employee ($millions) | 2.4035% | 6,921 |
| Cash dividends to net income (ytd only)* | 231.8841% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 3,644 |
| Loan loss allowance to noncurrent loans | 136.1032% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 1.2519% | 4,044 |
| Noncurrent loans to loans | 1.1899% | 4,345 |
| Net loans and leases to total assets | 54.5671% | 4,626 |
| Net loans and leases to deposits | 62.6730% | 4,813 |
| Net loans and leases to core deposits | 63.1793% | 5,203 |
| Total domestic deposits to total assets | 87.0665% | 2,925 |
| Equity capital to assets | 12.4078% | 1,785 |
| Core capital (leverage) ratio | 9.6366% | 3,867 |
| Tier 1 risk-based capital ratio | 12.1812% | 5,838 |
| Total risk-based capital ratio | 13.3426% | 5,876 |
| Memoranda: | ||
| Average total assets | $53,606,500 | 6,243 |
| Average earning assets | $47,091,000 | 6,297 |
| Average equity | $6,696,500 | 5,964 |
| Average total loans | $29,786,500 | 6,120 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3019% | 1,691 |
| Cost of funding earning assets | 0.6240% | 5,968 |
| Net interest margin | 4.6779% | 786 |
| Noninterest income to average assets | 0.7448% | 2,365 |
| Noninterest expense to average assets | 2.9605% | 3,739 |
| Loan and lease loss provision to assets | 0.1354% | 4,922 |
| Net operating income to assets | 1.2075% | 1,494 |
| Return on assets (ROA) | 1.2075% | 1,601 |
| Pretax return on assets | 1.7943% | 808 |
| Return on Equity (ROE) | 9.4556% | 2,262 |
| Retained earnings to average equity (ytd only) | 1.2077% | 5,286 |
| Net charge-offs to loans | 0.0164% | 6,207 |
| Credit loss provision to net charge-offs | 1,440.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 205.2000% | 169 |
| Efficiency ratio | 60.1538% | 5,733 |
| Assets per employee ($millions) | 2.5874% | 6,739 |
| Cash dividends to net income (ytd only)* | 87.2274% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 3,231 |
| Loan loss allowance to noncurrent loans | 252.2167% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9497% | 4,709 |
| Noncurrent loans to loans | 0.6712% | 5,357 |
| Net loans and leases to total assets | 54.7198% | 4,920 |
| Net loans and leases to deposits | 63.1145% | 5,110 |
| Net loans and leases to core deposits | 63.6115% | 5,509 |
| Total domestic deposits to total assets | 86.6992% | 2,915 |
| Equity capital to assets | 12.5738% | 1,762 |
| Core capital (leverage) ratio | 10.1818% | 3,116 |
| Tier 1 risk-based capital ratio | 12.7071% | 5,300 |
| Total risk-based capital ratio | 13.9454% | 5,289 |
| Memoranda: | ||
| Average total assets | $53,167,200 | 6,256 |
| Average earning assets | $47,115,000 | 6,289 |
| Average equity | $6,789,600 | 5,927 |
| Average total loans | $30,494,200 | 6,137 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3035% | 1,842 |
| Cost of funding earning assets | 0.6527% | 6,018 |
| Net interest margin | 4.6509% | 848 |
| Noninterest income to average assets | 0.7237% | 2,460 |
| Noninterest expense to average assets | 2.8368% | 4,207 |
| Loan and lease loss provision to assets | 0.1362% | 4,738 |
| Net operating income to assets | 1.2557% | 1,499 |
| Return on assets (ROA) | 1.2557% | 1,604 |
| Pretax return on assets | 1.8836% | 812 |
| Return on Equity (ROE) | 9.7947% | 2,275 |
| Retained earnings to average equity (ytd only) | 3.1862% | 4,433 |
| Net charge-offs to loans | 0.0305% | 5,717 |
| Credit loss provision to net charge-offs | 771.4286% | 349 |
| Earnings coverage of net charge-offs (x) | 114.4662% | 312 |
| Efficiency ratio | 57.8920% | 6,029 |
| Assets per employee ($millions) | 2.5771% | 6,809 |
| Cash dividends to net income (ytd only)* | 67.4704% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 3,741 |
| Loan loss allowance to noncurrent loans | 1,587.0968% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.8389% | 5,083 |
| Noncurrent loans to loans | 0.0997% | 6,679 |
| Net loans and leases to total assets | 56.5254% | 4,757 |
| Net loans and leases to deposits | 65.3444% | 5,001 |
| Net loans and leases to core deposits | 65.8607% | 5,429 |
| Total domestic deposits to total assets | 86.5038% | 2,929 |
| Equity capital to assets | 12.7756% | 1,741 |
| Core capital (leverage) ratio | 10.3276% | 3,062 |
| Tier 1 risk-based capital ratio | 12.6437% | 5,376 |
| Total risk-based capital ratio | 13.8099% | 5,434 |
| Memoranda: | ||
| Average total assets | $52,875,250 | 6,319 |
| Average earning assets | $46,986,500 | 6,340 |
| Average equity | $6,779,000 | 5,975 |
| Average total loans | $30,556,750 | 6,200 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 1,858 |
| Cost of funding earning assets | 0.6878% | 6,027 |
| Net interest margin | 4.6212% | 874 |
| Noninterest income to average assets | 0.6405% | 2,899 |
| Noninterest expense to average assets | 2.8059% | 4,407 |
| Loan and lease loss provision to assets | 0.1372% | 4,591 |
| Net operating income to assets | 1.1895% | 1,608 |
| Return on assets (ROA) | 1.1895% | 1,700 |
| Pretax return on assets | 1.7956% | 887 |
| Return on Equity (ROE) | 9.2664% | 2,399 |
| Retained earnings to average equity (ytd only) | 4.5144% | 3,318 |
| Net charge-offs to loans | -0.0658% | 7,078 |
| Credit loss provision to net charge-offs | -360.0000% | 6,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4071% | 6,109 |
| Assets per employee ($millions) | 2.4600% | 6,961 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 3,826 |
| Loan loss allowance to noncurrent loans | 232.7014% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8362% | 5,207 |
| Noncurrent loans to loans | 0.6742% | 5,558 |
| Net loans and leases to total assets | 59.6303% | 4,340 |
| Net loans and leases to deposits | 69.1936% | 4,541 |
| Net loans and leases to core deposits | 69.7688% | 5,099 |
| Total domestic deposits to total assets | 86.1789% | 3,226 |
| Equity capital to assets | 13.2404% | 1,415 |
| Core capital (leverage) ratio | 10.5107% | 2,704 |
| Tier 1 risk-based capital ratio | 12.7411% | 5,142 |
| Total risk-based capital ratio | 13.9161% | 5,178 |
| Memoranda: | ||
| Average total assets | $52,460,670 | 6,392 |
| Average earning assets | $46,524,670 | 6,424 |
| Average equity | $6,734,000 | 6,008 |
| Average total loans | $30,381,330 | 6,262 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 2,403 |
| Cost of funding earning assets | 0.7255% | 5,999 |
| Net interest margin | 4.4301% | 1,218 |
| Noninterest income to average assets | 0.6659% | 2,750 |
| Noninterest expense to average assets | 2.7393% | 4,676 |
| Loan and lease loss provision to assets | 0.1362% | 4,305 |
| Net operating income to assets | 1.1351% | 1,718 |
| Return on assets (ROA) | 1.1351% | 1,764 |
| Pretax return on assets | 1.7177% | 955 |
| Return on Equity (ROE) | 8.9807% | 2,478 |
| Retained earnings to average equity (ytd only) | 8.9807% | 1,383 |
| Net charge-offs to loans | 0.0267% | 4,717 |
| Credit loss provision to net charge-offs | 900.0000% | 420 |
| Earnings coverage of net charge-offs (x) | 122.5000% | 262 |
| Efficiency ratio | 59.6376% | 6,034 |
| Assets per employee ($millions) | 2.5848% | 6,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 3,972 |
| Loan loss allowance to noncurrent loans | 76.5781% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.5901% | 3,864 |
| Noncurrent loans to loans | 2.0226% | 3,542 |
| Net loans and leases to total assets | 56.6844% | 4,875 |
| Net loans and leases to deposits | 65.5445% | 5,036 |
| Net loans and leases to core deposits | 66.0841% | 5,498 |
| Total domestic deposits to total assets | 86.4823% | 3,245 |
| Equity capital to assets | 13.0980% | 1,344 |
| Core capital (leverage) ratio | 10.2740% | 2,839 |
| Tier 1 risk-based capital ratio | 12.8469% | 4,948 |
| Total risk-based capital ratio | 13.9593% | 5,033 |
| Memoranda: | ||
| Average total assets | $52,861,000 | 6,419 |
| Average earning assets | $46,861,500 | 6,460 |
| Average equity | $6,681,000 | 6,031 |
| Average total loans | $29,924,000 | 6,337 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4256% | 2,560 |
| Cost of funding earning assets | 1.0443% | 5,459 |
| Net interest margin | 4.3813% | 1,550 |
| Noninterest income to average assets | 0.9725% | 1,599 |
| Noninterest expense to average assets | 2.9606% | 3,997 |
| Loan and lease loss provision to assets | 0.2949% | 4,440 |
| Net operating income to assets | 0.9968% | 2,050 |
| Return on assets (ROA) | 0.9968% | 2,153 |
| Pretax return on assets | 1.6016% | 1,127 |
| Return on Equity (ROE) | 7.9280% | 2,723 |
| Retained earnings to average equity (ytd only) | 0.3266% | 5,417 |
| Net charge-offs to loans | 1.3397% | 1,665 |
| Credit loss provision to net charge-offs | 36.9159% | 6,426 |
| Earnings coverage of net charge-offs (x) | 2.3738% | 3,953 |
| Efficiency ratio | 56.2260% | 6,571 |
| Assets per employee ($millions) | 2.8435% | 6,450 |
| Cash dividends to net income (ytd only)* | 95.8801% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 4,125 |
| Loan loss allowance to noncurrent loans | 70.5230% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.4271% | 4,204 |
| Noncurrent loans to loans | 2.0975% | 3,440 |
| Net loans and leases to total assets | 54.8596% | 5,515 |
| Net loans and leases to deposits | 62.7002% | 5,774 |
| Net loans and leases to core deposits | 63.1881% | 6,129 |
| Total domestic deposits to total assets | 87.4951% | 2,550 |
| Equity capital to assets | 12.1995% | 1,791 |
| Core capital (leverage) ratio | 10.0399% | 3,041 |
| Tier 1 risk-based capital ratio | 12.3034% | 5,203 |
| Total risk-based capital ratio | 13.3640% | 5,355 |
| Memoranda: | ||
| Average total assets | $53,570,800 | 6,417 |
| Average earning assets | $47,496,800 | 6,454 |
| Average equity | $6,735,600 | 6,126 |
| Average total loans | $31,947,000 | 6,320 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 2,357 |
| Cost of funding earning assets | 1.1107% | 5,368 |
| Net interest margin | 4.4090% | 1,497 |
| Noninterest income to average assets | 0.9353% | 1,672 |
| Noninterest expense to average assets | 2.8558% | 4,255 |
| Loan and lease loss provision to assets | 0.3492% | 3,819 |
| Net operating income to assets | 1.0226% | 2,167 |
| Return on assets (ROA) | 1.0226% | 2,278 |
| Pretax return on assets | 1.6412% | 1,241 |
| Return on Equity (ROE) | 8.0725% | 2,870 |
| Retained earnings to average equity (ytd only) | 3.6621% | 3,877 |
| Net charge-offs to loans | 1.1641% | 1,755 |
| Credit loss provision to net charge-offs | 49.4700% | 5,894 |
| Earnings coverage of net charge-offs (x) | 2.8198% | 3,724 |
| Efficiency ratio | 54.1945% | 6,772 |
| Assets per employee ($millions) | 2.7946% | 6,595 |
| Cash dividends to net income (ytd only)* | 54.6346% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 2,618 |
| Loan loss allowance to noncurrent loans | 108.7452% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 1.2242% | 4,703 |
| Noncurrent loans to loans | 1.7050% | 4,081 |
| Net loans and leases to total assets | 57.0247% | 5,409 |
| Net loans and leases to deposits | 65.8970% | 5,672 |
| Net loans and leases to core deposits | 67.1553% | 6,023 |
| Total domestic deposits to total assets | 86.5362% | 2,790 |
| Equity capital to assets | 12.9647% | 1,594 |
| Core capital (leverage) ratio | 10.1657% | 3,076 |
| Tier 1 risk-based capital ratio | 12.6084% | 4,883 |
| Total risk-based capital ratio | 13.8587% | 4,862 |
| Memoranda: | ||
| Average total assets | $53,456,750 | 6,496 |
| Average earning assets | $47,416,750 | 6,536 |
| Average equity | $6,771,750 | 6,189 |
| Average total loans | $32,412,750 | 6,372 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5940% | 2,157 |
| Cost of funding earning assets | 1.1559% | 5,364 |
| Net interest margin | 4.4380% | 1,357 |
| Noninterest income to average assets | 0.6943% | 2,740 |
| Noninterest expense to average assets | 3.0685% | 3,435 |
| Loan and lease loss provision to assets | 0.2501% | 4,423 |
| Net operating income to assets | 0.8362% | 2,799 |
| Return on assets (ROA) | 0.8362% | 2,953 |
| Pretax return on assets | 1.3028% | 2,077 |
| Return on Equity (ROE) | 6.6525% | 3,467 |
| Retained earnings to average equity (ytd only) | 4.7518% | 3,044 |
| Net charge-offs to loans | 1.1660% | 1,627 |
| Credit loss provision to net charge-offs | 34.8958% | 5,672 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 3,936 |
| Efficiency ratio | 61.4701% | 5,773 |
| Assets per employee ($millions) | 2.5368% | 7,049 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 2,535 |
| Loan loss allowance to noncurrent loans | 118.4739% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 1.4604% | 4,271 |
| Noncurrent loans to loans | 1.5716% | 4,352 |
| Net loans and leases to total assets | 58.3740% | 5,357 |
| Net loans and leases to deposits | 67.1772% | 5,659 |
| Net loans and leases to core deposits | 67.9107% | 6,061 |
| Total domestic deposits to total assets | 86.8956% | 2,588 |
| Equity capital to assets | 12.8135% | 1,648 |
| Core capital (leverage) ratio | 10.0272% | 3,135 |
| Tier 1 risk-based capital ratio | 12.2081% | 5,117 |
| Total risk-based capital ratio | 13.4595% | 5,086 |
| Memoranda: | ||
| Average total assets | $53,576,330 | 6,534 |
| Average earning assets | $47,408,330 | 6,577 |
| Average equity | $6,734,330 | 6,225 |
| Average total loans | $32,933,330 | 6,386 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5451% | 2,383 |
| Cost of funding earning assets | 1.1798% | 5,511 |
| Net interest margin | 4.3653% | 1,486 |
| Noninterest income to average assets | 0.3797% | 5,098 |
| Noninterest expense to average assets | 3.2459% | 2,717 |
| Loan and lease loss provision to assets | 0.1340% | 5,219 |
| Net operating income to assets | 0.5509% | 4,134 |
| Return on assets (ROA) | 0.5509% | 4,269 |
| Pretax return on assets | 0.8562% | 3,641 |
| Return on Equity (ROE) | 4.4255% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.4255% | 3,498 |
| Net charge-offs to loans | 1.0251% | 1,607 |
| Credit loss provision to net charge-offs | 20.9302% | 4,937 |
| Earnings coverage of net charge-offs (x) | 1.5465% | 3,803 |
| Efficiency ratio | 71.1775% | 4,088 |
| Assets per employee ($millions) | 2.5234% | 7,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9674% | 2,272 |
| Loan loss allowance to noncurrent loans | 140.0433% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 1.5701% | 4,147 |
| Noncurrent loans to loans | 1.4049% | 4,630 |
| Net loans and leases to total assets | 60.8386% | 4,965 |
| Net loans and leases to deposits | 69.8630% | 5,363 |
| Net loans and leases to core deposits | 71.1866% | 5,808 |
| Total domestic deposits to total assets | 87.0827% | 2,587 |
| Equity capital to assets | 12.6776% | 1,667 |
| Core capital (leverage) ratio | 9.7566% | 3,448 |
| Tier 1 risk-based capital ratio | 11.7753% | 5,424 |
| Total risk-based capital ratio | 13.0282% | 5,357 |
| Memoranda: | ||
| Average total assets | $53,728,500 | 6,615 |
| Average earning assets | $47,465,000 | 6,649 |
| Average equity | $6,688,500 | 6,292 |
| Average total loans | $33,556,500 | 6,432 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1888% | 1,258 |
| Cost of funding earning assets | 1.5297% | 5,376 |
| Net interest margin | 4.6591% | 889 |
| Noninterest income to average assets | 1.2050% | 1,063 |
| Noninterest expense to average assets | 3.4516% | 2,519 |
| Loan and lease loss provision to assets | 0.4129% | 4,333 |
| Net operating income to assets | 0.8934% | 2,201 |
| Return on assets (ROA) | 0.8934% | 2,272 |
| Pretax return on assets | 1.4565% | 1,297 |
| Return on Equity (ROE) | 7.1456% | 2,739 |
| Retained earnings to average equity (ytd only) | 1.8615% | 3,795 |
| Net charge-offs to loans | 0.3264% | 4,606 |
| Credit loss provision to net charge-offs | 188.0342% | 2,148 |
| Earnings coverage of net charge-offs (x) | 8.5128% | 1,932 |
| Efficiency ratio | 60.5291% | 6,401 |
| Assets per employee ($millions) | 2.5936% | 7,050 |
| Cash dividends to net income (ytd only)* | 73.9496% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0890% | 1,843 |
| Loan loss allowance to noncurrent loans | 124.7818% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 1.6855% | 3,838 |
| Noncurrent loans to loans | 1.6741% | 4,140 |
| Net loans and leases to total assets | 61.5283% | 5,097 |
| Net loans and leases to deposits | 70.4641% | 5,541 |
| Net loans and leases to core deposits | 80.0134% | 6,101 |
| Total domestic deposits to total assets | 87.3187% | 2,313 |
| Equity capital to assets | 12.2260% | 1,895 |
| Core capital (leverage) ratio | 9.8188% | 3,303 |
| Tier 1 risk-based capital ratio | 11.2237% | 5,690 |
| Total risk-based capital ratio | 12.4787% | 5,637 |
| Memoranda: | ||
| Average total assets | $53,279,200 | 6,586 |
| Average earning assets | $47,068,800 | 6,634 |
| Average equity | $6,661,400 | 6,373 |
| Average total loans | $35,843,000 | 6,316 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2646% | 1,208 |
| Cost of funding earning assets | 1.5966% | 5,416 |
| Net interest margin | 4.6679% | 882 |
| Noninterest income to average assets | 1.3212% | 886 |
| Noninterest expense to average assets | 3.3243% | 2,825 |
| Loan and lease loss provision to assets | 0.4781% | 3,518 |
| Net operating income to assets | 1.0267% | 1,973 |
| Return on assets (ROA) | 1.0267% | 2,036 |
| Pretax return on assets | 1.6609% | 1,041 |
| Return on Equity (ROE) | 8.1656% | 2,572 |
| Retained earnings to average equity (ytd only) | 5.2835% | 2,325 |
| Net charge-offs to loans | 0.4009% | 3,659 |
| Credit loss provision to net charge-offs | 174.3119% | 2,657 |
| Earnings coverage of net charge-offs (x) | 7.7982% | 2,345 |
| Efficiency ratio | 56.6099% | 6,921 |
| Assets per employee ($millions) | 2.4597% | 7,291 |
| Cash dividends to net income (ytd only)* | 35.2948% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9849% | 1,837 |
| Loan loss allowance to noncurrent loans | 108.9623% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 1.8992% | 3,510 |
| Noncurrent loans to loans | 1.8216% | 3,885 |
| Net loans and leases to total assets | 66.2517% | 4,373 |
| Net loans and leases to deposits | 76.8838% | 4,910 |
| Net loans and leases to core deposits | 86.8686% | 5,774 |
| Total domestic deposits to total assets | 86.1712% | 2,603 |
| Equity capital to assets | 13.2287% | 1,607 |
| Core capital (leverage) ratio | 10.0785% | 3,202 |
| Tier 1 risk-based capital ratio | 11.5564% | 5,378 |
| Total risk-based capital ratio | 12.8104% | 5,317 |
| Memoranda: | ||
| Average total assets | $52,982,500 | 6,640 |
| Average earning assets | $47,014,500 | 6,687 |
| Average equity | $6,662,000 | 6,428 |
| Average total loans | $36,247,000 | 6,335 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2980% | 1,211 |
| Cost of funding earning assets | 1.6645% | 5,451 |
| Net interest margin | 4.6335% | 901 |
| Noninterest income to average assets | 1.5161% | 647 |
| Noninterest expense to average assets | 3.3018% | 2,952 |
| Loan and lease loss provision to assets | 0.5990% | 2,653 |
| Net operating income to assets | 1.0444% | 1,960 |
| Return on assets (ROA) | 1.0444% | 2,033 |
| Pretax return on assets | 1.7108% | 990 |
| Return on Equity (ROE) | 8.4481% | 2,594 |
| Retained earnings to average equity (ytd only) | 5.5413% | 2,230 |
| Net charge-offs to loans | 0.5723% | 2,611 |
| Credit loss provision to net charge-offs | 152.3810% | 3,015 |
| Earnings coverage of net charge-offs (x) | 5.8762% | 2,737 |
| Efficiency ratio | 54.7698% | 7,250 |
| Assets per employee ($millions) | 2.5012% | 7,244 |
| Cash dividends to net income (ytd only)* | 34.4086% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8575% | 1,891 |
| Loan loss allowance to noncurrent loans | 103.8941% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.8791% | 3,363 |
| Noncurrent loans to loans | 1.7879% | 3,818 |
| Net loans and leases to total assets | 67.0938% | 4,338 |
| Net loans and leases to deposits | 77.3100% | 4,974 |
| Net loans and leases to core deposits | 87.7122% | 5,749 |
| Total domestic deposits to total assets | 86.7853% | 2,361 |
| Equity capital to assets | 12.7425% | 1,816 |
| Core capital (leverage) ratio | 9.8385% | 3,465 |
| Tier 1 risk-based capital ratio | 11.1222% | 5,748 |
| Total risk-based capital ratio | 12.3752% | 5,661 |
| Memoranda: | ||
| Average total assets | $53,425,670 | 6,689 |
| Average earning assets | $47,221,330 | 6,742 |
| Average equity | $6,605,000 | 6,498 |
| Average total loans | $36,691,330 | 6,358 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3144% | 1,256 |
| Cost of funding earning assets | 1.7252% | 5,491 |
| Net interest margin | 4.5893% | 957 |
| Noninterest income to average assets | 1.6705% | 489 |
| Noninterest expense to average assets | 3.2371% | 2,836 |
| Loan and lease loss provision to assets | 0.9652% | 1,342 |
| Net operating income to assets | 1.0023% | 2,303 |
| Return on assets (ROA) | 1.0023% | 2,437 |
| Pretax return on assets | 1.5369% | 1,570 |
| Return on Equity (ROE) | 8.2305% | 3,047 |
| Retained earnings to average equity (ytd only) | 5.3041% | 2,955 |
| Net charge-offs to loans | 0.3775% | 2,586 |
| Credit loss provision to net charge-offs | 371.4286% | 1,384 |
| Earnings coverage of net charge-offs (x) | 9.6286% | 2,038 |
| Efficiency ratio | 52.3933% | 7,373 |
| Assets per employee ($millions) | 2.4706% | 7,339 |
| Cash dividends to net income (ytd only)* | 35.5556% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9247% | 1,569 |
| Loan loss allowance to noncurrent loans | 106.9592% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.5535% | 3,605 |
| Noncurrent loans to loans | 1.7995% | 3,563 |
| Net loans and leases to total assets | 69.4383% | 3,809 |
| Net loans and leases to deposits | 80.0098% | 4,611 |
| Net loans and leases to core deposits | 90.8302% | 5,472 |
| Total domestic deposits to total assets | 86.7873% | 2,318 |
| Equity capital to assets | 12.7327% | 1,869 |
| Core capital (leverage) ratio | 9.6351% | 3,838 |
| Tier 1 risk-based capital ratio | 10.7308% | 6,157 |
| Total risk-based capital ratio | 11.9844% | 6,059 |
| Memoranda: | ||
| Average total assets | $53,876,000 | 6,715 |
| Average earning assets | $47,763,500 | 6,754 |
| Average equity | $6,561,000 | 6,564 |
| Average total loans | $37,083,000 | 6,376 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0014% | 1,127 |
| Cost of funding earning assets | 2.5471% | 3,969 |
| Net interest margin | 4.4544% | 1,529 |
| Noninterest income to average assets | 0.9697% | 1,691 |
| Noninterest expense to average assets | 2.8774% | 4,520 |
| Loan and lease loss provision to assets | 1.1725% | 1,235 |
| Net operating income to assets | 0.5519% | 4,519 |
| Return on assets (ROA) | 0.5519% | 4,370 |
| Pretax return on assets | 0.8728% | 3,819 |
| Return on Equity (ROE) | 4.7251% | 4,504 |
| Retained earnings to average equity (ytd only) | -3.3664% | 6,198 |
| Net charge-offs to loans | 1.6296% | 693 |
| Credit loss provision to net charge-offs | 103.5826% | 5,165 |
| Earnings coverage of net charge-offs (x) | 1.8069% | 5,170 |
| Efficiency ratio | 54.0473% | 7,262 |
| Assets per employee ($millions) | 2.6605% | 6,867 |
| Cash dividends to net income (ytd only)* | 171.2460% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 2,110 |
| Loan loss allowance to noncurrent loans | 93.4351% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.4319% | 3,344 |
| Noncurrent loans to loans | 1.7498% | 3,141 |
| Net loans and leases to total assets | 65.9048% | 4,868 |
| Net loans and leases to deposits | 75.0071% | 5,731 |
| Net loans and leases to core deposits | 84.9271% | 6,217 |
| Total domestic deposits to total assets | 87.8647% | 1,530 |
| Equity capital to assets | 11.6628% | 2,524 |
| Core capital (leverage) ratio | 8.9887% | 4,756 |
| Tier 1 risk-based capital ratio | 10.2406% | 6,476 |
| Total risk-based capital ratio | 11.4920% | 6,342 |
| Memoranda: | ||
| Average total assets | $56,717,200 | 6,505 |
| Average earning assets | $50,332,600 | 6,579 |
| Average equity | $6,624,200 | 6,596 |
| Average total loans | $39,396,600 | 6,202 |