Home > Farmers-Merchants National Bank of Paxton > Performance and Condition Ratios
Farmers-Merchants National Bank of Paxton, 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 | 3.3865% | 5,049 |
| Cost of funding earning assets | 0.2934% | 4,565 |
| Net interest margin | 3.0931% | 4,720 |
| Noninterest income to average assets | 0.8319% | 1,373 |
| Noninterest expense to average assets | 2.2676% | 4,174 |
| Loan and lease loss provision to assets | -0.2020% | 5,399 |
| Net operating income to assets | 1.3735% | 1,582 |
| Return on assets (ROA) | 1.4238% | 1,407 |
| Pretax return on assets | 1.7209% | 1,225 |
| Return on Equity (ROE) | 11.8524% | 1,848 |
| Retained earnings to average equity (ytd only) | 11.8524% | 500 |
| Net charge-offs to loans | 0.0841% | 1,672 |
| Credit loss provision to net charge-offs | -772.7273% | 4,586 |
| Earnings coverage of net charge-offs (x) | 55.7777% | 1,104 |
| Efficiency ratio | 60.8612% | 3,679 |
| Assets per employee ($millions) | 4.9943% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 2,855 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5970% | 2,392 |
| Noncurrent loans to loans | 1.8535% | 823 |
| Net loans and leases to total assets | 31.8392% | 5,246 |
| Net loans and leases to deposits | 36.5652% | 5,266 |
| Net loans and leases to core deposits | 38.0966% | 5,267 |
| Total domestic deposits to total assets | 87.0752% | 1,692 |
| Equity capital to assets | 12.4788% | 1,603 |
| Core capital (leverage) ratio | 12.2794% | 1,630 |
| Tier 1 risk-based capital ratio | 23.3428% | 908 |
| Total risk-based capital ratio | 24.0007% | 941 |
| Memoranda: | ||
| Average total assets | $112,184,000 | 3,950 |
| Average earning assets | $104,963,250 | 3,940 |
| Average equity | $13,476,500 | 3,852 |
| Average total loans | $34,875,250 | 4,738 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2793% | 5,157 |
| Cost of funding earning assets | 0.2878% | 4,513 |
| Net interest margin | 2.9915% | 4,890 |
| Noninterest income to average assets | 0.9526% | 1,047 |
| Noninterest expense to average assets | 2.3124% | 4,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1534% | 2,380 |
| Return on assets (ROA) | 1.2270% | 2,075 |
| Pretax return on assets | 1.5298% | 1,710 |
| Return on Equity (ROE) | 10.3446% | 2,404 |
| Retained earnings to average equity (ytd only) | 10.3446% | 828 |
| Net charge-offs to loans | 0.1268% | 1,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 36.9091% | 1,351 |
| Efficiency ratio | 61.6619% | 3,670 |
| Assets per employee ($millions) | 5.0806% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 946 |
| Loan loss allowance to noncurrent loans | 93.5588% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 2,567 |
| Noncurrent loans to loans | 1.7905% | 872 |
| Net loans and leases to total assets | 30.5109% | 5,311 |
| Net loans and leases to deposits | 34.9420% | 5,341 |
| Net loans and leases to core deposits | 37.6321% | 5,327 |
| Total domestic deposits to total assets | 87.3189% | 1,715 |
| Equity capital to assets | 12.0485% | 1,825 |
| Core capital (leverage) ratio | 12.3879% | 1,497 |
| Tier 1 risk-based capital ratio | 29.6727% | 483 |
| Total risk-based capital ratio | 30.8983% | 483 |
| Memoranda: | ||
| Average total assets | $112,954,000 | 3,972 |
| Average earning assets | $105,633,670 | 3,953 |
| Average equity | $13,398,330 | 3,887 |
| Average total loans | $34,702,670 | 4,794 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1576% | 5,269 |
| Cost of funding earning assets | 0.2782% | 4,522 |
| Net interest margin | 2.8795% | 5,063 |
| Noninterest income to average assets | 0.6024% | 2,247 |
| Noninterest expense to average assets | 2.2405% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8956% | 3,313 |
| Return on assets (ROA) | 1.0111% | 2,837 |
| Pretax return on assets | 1.1978% | 2,755 |
| Return on Equity (ROE) | 8.5902% | 3,109 |
| Retained earnings to average equity (ytd only) | 8.5902% | 1,619 |
| Net charge-offs to loans | 0.2650% | 584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 13.0870% | 1,769 |
| Efficiency ratio | 67.8762% | 2,848 |
| Assets per employee ($millions) | 5.2103% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 901 |
| Loan loss allowance to noncurrent loans | 91.0518% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.0381% | 1,515 |
| Noncurrent loans to loans | 1.8962% | 865 |
| Net loans and leases to total assets | 28.8012% | 5,393 |
| Net loans and leases to deposits | 32.7660% | 5,410 |
| Net loans and leases to core deposits | 35.9634% | 5,394 |
| Total domestic deposits to total assets | 87.8999% | 1,679 |
| Equity capital to assets | 11.4484% | 2,175 |
| Core capital (leverage) ratio | 11.9447% | 1,682 |
| Tier 1 risk-based capital ratio | 28.7458% | 527 |
| Total risk-based capital ratio | 29.9686% | 526 |
| Memoranda: | ||
| Average total assets | $113,544,500 | 4,004 |
| Average earning assets | $106,409,000 | 3,979 |
| Average equity | $13,364,000 | 3,922 |
| Average total loans | $34,712,000 | 4,837 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0780% | 5,311 |
| Cost of funding earning assets | 0.2461% | 4,603 |
| Net interest margin | 2.8320% | 5,126 |
| Noninterest income to average assets | 0.4634% | 3,226 |
| Noninterest expense to average assets | 2.1749% | 4,580 |
| Loan and lease loss provision to assets | 0.0326% | 3,616 |
| Net operating income to assets | 0.7605% | 3,347 |
| Return on assets (ROA) | 0.8275% | 3,085 |
| Pretax return on assets | 0.9876% | 3,624 |
| Return on Equity (ROE) | 7.0802% | 3,231 |
| Retained earnings to average equity (ytd only) | 1.5832% | 4,361 |
| Net charge-offs to loans | 0.3222% | 787 |
| Credit loss provision to net charge-offs | 33.9286% | 3,502 |
| Earnings coverage of net charge-offs (x) | 9.8036% | 2,746 |
| Efficiency ratio | 69.8103% | 2,594 |
| Assets per employee ($millions) | 5.1119% | 2,349 |
| Cash dividends to net income (ytd only)* | 77.6398% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6802% | 979 |
| Loan loss allowance to noncurrent loans | 79.3149% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.1666% | 1,272 |
| Noncurrent loans to loans | 2.1183% | 705 |
| Net loans and leases to total assets | 31.3244% | 5,406 |
| Net loans and leases to deposits | 36.2910% | 5,423 |
| Net loans and leases to core deposits | 40.3570% | 5,380 |
| Total domestic deposits to total assets | 86.3145% | 2,308 |
| Equity capital to assets | 12.0974% | 1,761 |
| Core capital (leverage) ratio | 11.4807% | 1,952 |
| Tier 1 risk-based capital ratio | 27.0202% | 595 |
| Total risk-based capital ratio | 28.2389% | 590 |
| Memoranda: | ||
| Average total assets | $116,743,200 | 3,951 |
| Average earning assets | $109,323,200 | 3,932 |
| Average equity | $13,643,600 | 3,892 |
| Average total loans | $34,757,800 | 4,878 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0607% | 5,370 |
| Cost of funding earning assets | 0.2381% | 4,667 |
| Net interest margin | 2.8226% | 5,191 |
| Noninterest income to average assets | 0.4844% | 3,123 |
| Noninterest expense to average assets | 2.1729% | 4,583 |
| Loan and lease loss provision to assets | 0.0068% | 3,991 |
| Net operating income to assets | 0.8294% | 3,393 |
| Return on assets (ROA) | 0.9201% | 2,990 |
| Pretax return on assets | 1.0502% | 3,490 |
| Return on Equity (ROE) | 7.9393% | 3,157 |
| Retained earnings to average equity (ytd only) | 5.4980% | 2,541 |
| Net charge-offs to loans | 0.3131% | 670 |
| Credit loss provision to net charge-offs | 7.4074% | 3,239 |
| Earnings coverage of net charge-offs (x) | 10.4071% | 2,597 |
| Efficiency ratio | 69.4897% | 2,624 |
| Assets per employee ($millions) | 5.4610% | 1,964 |
| Cash dividends to net income (ytd only)* | 30.7509% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6939% | 1,044 |
| Loan loss allowance to noncurrent loans | 129.8056% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 2,036 |
| Noncurrent loans to loans | 1.3050% | 1,465 |
| Net loans and leases to total assets | 29.0315% | 5,517 |
| Net loans and leases to deposits | 33.1310% | 5,542 |
| Net loans and leases to core deposits | 37.1342% | 5,509 |
| Total domestic deposits to total assets | 87.6263% | 1,563 |
| Equity capital to assets | 11.8318% | 2,088 |
| Core capital (leverage) ratio | 11.5715% | 1,969 |
| Tier 1 risk-based capital ratio | 27.8016% | 579 |
| Total risk-based capital ratio | 29.0178% | 567 |
| Memoranda: | ||
| Average total assets | $117,813,500 | 3,964 |
| Average earning assets | $110,298,250 | 3,947 |
| Average equity | $13,653,250 | 3,929 |
| Average total loans | $34,489,750 | 4,934 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0323% | 5,413 |
| Cost of funding earning assets | 0.2300% | 4,716 |
| Net interest margin | 2.8023% | 5,241 |
| Noninterest income to average assets | 0.4819% | 3,137 |
| Noninterest expense to average assets | 2.2096% | 4,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8008% | 3,398 |
| Return on assets (ROA) | 0.8920% | 3,012 |
| Pretax return on assets | 0.9980% | 3,577 |
| Return on Equity (ROE) | 7.7529% | 3,167 |
| Retained earnings to average equity (ytd only) | 4.0398% | 3,309 |
| Net charge-offs to loans | 0.0468% | 2,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 885 |
| Efficiency ratio | 71.1613% | 2,487 |
| Assets per employee ($millions) | 5.3892% | 1,977 |
| Cash dividends to net income (ytd only)* | 47.8927% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 743 |
| Loan loss allowance to noncurrent loans | 97.0972% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.0476% | 1,675 |
| Noncurrent loans to loans | 1.9410% | 886 |
| Net loans and leases to total assets | 29.3753% | 5,558 |
| Net loans and leases to deposits | 33.4849% | 5,580 |
| Net loans and leases to core deposits | 35.8250% | 5,569 |
| Total domestic deposits to total assets | 87.7271% | 1,603 |
| Equity capital to assets | 11.7964% | 2,075 |
| Core capital (leverage) ratio | 11.3927% | 2,055 |
| Tier 1 risk-based capital ratio | 26.7027% | 625 |
| Total risk-based capital ratio | 27.9536% | 610 |
| Memoranda: | ||
| Average total assets | $117,037,330 | 4,008 |
| Average earning assets | $109,553,330 | 3,987 |
| Average equity | $13,466,000 | 3,964 |
| Average total loans | $34,159,670 | 4,980 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9912% | 5,465 |
| Cost of funding earning assets | 0.2247% | 4,758 |
| Net interest margin | 2.7665% | 5,310 |
| Noninterest income to average assets | 0.4438% | 3,345 |
| Noninterest expense to average assets | 2.2498% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7703% | 3,365 |
| Return on assets (ROA) | 0.7465% | 3,545 |
| Pretax return on assets | 0.7534% | 4,276 |
| Return on Equity (ROE) | 6.5728% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.5728% | 2,043 |
| Net charge-offs to loans | -0.0119% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3182% | 2,179 |
| Assets per employee ($millions) | 5.3323% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0412% | 619 |
| Loan loss allowance to noncurrent loans | 98.6900% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.0570% | 1,705 |
| Noncurrent loans to loans | 2.0683% | 851 |
| Net loans and leases to total assets | 27.7357% | 5,635 |
| Net loans and leases to deposits | 31.5192% | 5,660 |
| Net loans and leases to core deposits | 34.4045% | 5,642 |
| Total domestic deposits to total assets | 87.9960% | 1,715 |
| Equity capital to assets | 11.4763% | 2,197 |
| Core capital (leverage) ratio | 11.5825% | 1,890 |
| Tier 1 risk-based capital ratio | 27.8823% | 567 |
| Total risk-based capital ratio | 29.1335% | 552 |
| Memoranda: | ||
| Average total assets | $116,275,000 | 4,059 |
| Average earning assets | $108,584,000 | 4,033 |
| Average equity | $13,206,000 | 4,029 |
| Average total loans | $33,491,000 | 5,040 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9631% | 5,527 |
| Cost of funding earning assets | 0.2223% | 4,813 |
| Net interest margin | 2.7408% | 5,370 |
| Noninterest income to average assets | 0.5629% | 2,852 |
| Noninterest expense to average assets | 2.1837% | 4,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8415% | 3,102 |
| Return on assets (ROA) | 0.8742% | 3,068 |
| Pretax return on assets | 0.9888% | 3,516 |
| Return on Equity (ROE) | 7.2299% | 3,353 |
| Retained earnings to average equity (ytd only) | 0.4563% | 5,141 |
| Net charge-offs to loans | 0.6040% | 380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.4118% | 3,347 |
| Efficiency ratio | 69.6453% | 2,971 |
| Assets per employee ($millions) | 5.2381% | 2,124 |
| Cash dividends to net income (ytd only)* | 93.6884% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0049% | 651 |
| Loan loss allowance to noncurrent loans | 133.7945% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.9190% | 2,063 |
| Noncurrent loans to loans | 1.4985% | 1,340 |
| Net loans and leases to total assets | 28.7142% | 5,663 |
| Net loans and leases to deposits | 34.4519% | 5,669 |
| Net loans and leases to core deposits | 37.3127% | 5,653 |
| Total domestic deposits to total assets | 83.3459% | 3,648 |
| Equity capital to assets | 11.2366% | 2,380 |
| Core capital (leverage) ratio | 11.3895% | 2,016 |
| Tier 1 risk-based capital ratio | 27.1689% | 610 |
| Total risk-based capital ratio | 28.4206% | 598 |
| Memoranda: | ||
| Average total assets | $115,997,800 | 4,066 |
| Average earning assets | $108,872,200 | 4,024 |
| Average equity | $14,025,000 | 3,938 |
| Average total loans | $33,775,600 | 5,076 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9331% | 5,625 |
| Cost of funding earning assets | 0.2209% | 4,875 |
| Net interest margin | 2.7122% | 5,481 |
| Noninterest income to average assets | 0.5852% | 2,730 |
| Noninterest expense to average assets | 2.1780% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8228% | 3,267 |
| Return on assets (ROA) | 0.9146% | 2,961 |
| Pretax return on assets | 1.0638% | 3,379 |
| Return on Equity (ROE) | 7.4342% | 3,336 |
| Retained earnings to average equity (ytd only) | 3.2367% | 3,971 |
| Net charge-offs to loans | 0.4895% | 435 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 6.7258% | 2,971 |
| Efficiency ratio | 69.4729% | 2,972 |
| Assets per employee ($millions) | 5.3229% | 2,027 |
| Cash dividends to net income (ytd only)* | 56.4622% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2816% | 448 |
| Loan loss allowance to noncurrent loans | 96.9270% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.1383% | 1,772 |
| Noncurrent loans to loans | 2.3540% | 775 |
| Net loans and leases to total assets | 27.6859% | 5,761 |
| Net loans and leases to deposits | 31.8390% | 5,791 |
| Net loans and leases to core deposits | 34.6460% | 5,769 |
| Total domestic deposits to total assets | 86.9559% | 1,917 |
| Equity capital to assets | 12.4916% | 1,787 |
| Core capital (leverage) ratio | 11.6870% | 1,901 |
| Tier 1 risk-based capital ratio | 28.2722% | 568 |
| Total risk-based capital ratio | 29.5263% | 553 |
| Memoranda: | ||
| Average total assets | $116,187,500 | 4,085 |
| Average earning assets | $109,231,750 | 4,046 |
| Average equity | $14,294,000 | 3,939 |
| Average total loans | $33,777,750 | 5,122 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9128% | 5,725 |
| Cost of funding earning assets | 0.2239% | 4,899 |
| Net interest margin | 2.6889% | 5,584 |
| Noninterest income to average assets | 0.6403% | 2,416 |
| Noninterest expense to average assets | 2.2022% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8330% | 3,163 |
| Return on assets (ROA) | 0.8716% | 3,112 |
| Pretax return on assets | 1.0114% | 3,539 |
| Return on Equity (ROE) | 7.1214% | 3,474 |
| Retained earnings to average equity (ytd only) | 0.7756% | 5,070 |
| Net charge-offs to loans | 0.5298% | 398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.2222% | 2,772 |
| Efficiency ratio | 69.4989% | 3,056 |
| Assets per employee ($millions) | 5.4573% | 1,835 |
| Cash dividends to net income (ytd only)* | 89.1089% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3566% | 426 |
| Loan loss allowance to noncurrent loans | 138.1119% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 2,275 |
| Noncurrent loans to loans | 1.7063% | 1,240 |
| Net loans and leases to total assets | 27.2636% | 5,839 |
| Net loans and leases to deposits | 31.2806% | 5,867 |
| Net loans and leases to core deposits | 32.6791% | 5,862 |
| Total domestic deposits to total assets | 87.1582% | 1,832 |
| Equity capital to assets | 12.2621% | 1,932 |
| Core capital (leverage) ratio | 11.5314% | 1,968 |
| Tier 1 risk-based capital ratio | 27.8140% | 606 |
| Total risk-based capital ratio | 29.0687% | 590 |
| Memoranda: | ||
| Average total assets | $115,882,330 | 4,124 |
| Average earning assets | $108,967,670 | 4,083 |
| Average equity | $14,182,670 | 3,975 |
| Average total loans | $33,977,670 | 5,173 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8703% | 5,809 |
| Cost of funding earning assets | 0.2245% | 4,952 |
| Net interest margin | 2.6458% | 5,673 |
| Noninterest income to average assets | 0.7417% | 1,852 |
| Noninterest expense to average assets | 2.2497% | 4,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8567% | 2,962 |
| Return on assets (ROA) | 0.8753% | 2,989 |
| Pretax return on assets | 0.9983% | 3,486 |
| Return on Equity (ROE) | 7.1588% | 3,368 |
| Retained earnings to average equity (ytd only) | 1.4088% | 4,700 |
| Net charge-offs to loans | 1.0993% | 166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.9574% | 2,608 |
| Efficiency ratio | 69.7168% | 3,182 |
| Assets per employee ($millions) | 5.1538% | 2,184 |
| Cash dividends to net income (ytd only)* | 80.3213% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2858% | 519 |
| Loan loss allowance to noncurrent loans | 132.7150% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 1.0107% | 2,188 |
| Noncurrent loans to loans | 1.7223% | 1,303 |
| Net loans and leases to total assets | 29.6717% | 5,831 |
| Net loans and leases to deposits | 35.0817% | 5,848 |
| Net loans and leases to core deposits | 37.4531% | 5,831 |
| Total domestic deposits to total assets | 84.5790% | 3,286 |
| Equity capital to assets | 12.4056% | 1,745 |
| Core capital (leverage) ratio | 11.8510% | 1,711 |
| Tier 1 risk-based capital ratio | 27.3720% | 649 |
| Total risk-based capital ratio | 28.6240% | 636 |
| Memoranda: | ||
| Average total assets | $113,793,000 | 4,185 |
| Average earning assets | $106,886,000 | 4,146 |
| Average equity | $13,913,000 | 4,014 |
| Average total loans | $34,205,000 | 5,207 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0640% | 5,678 |
| Cost of funding earning assets | 0.2165% | 5,129 |
| Net interest margin | 2.8475% | 5,430 |
| Noninterest income to average assets | 0.5157% | 3,225 |
| Noninterest expense to average assets | 2.1508% | 5,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8785% | 2,983 |
| Return on assets (ROA) | 1.0165% | 2,353 |
| Pretax return on assets | 1.2098% | 2,619 |
| Return on Equity (ROE) | 8.4839% | 2,717 |
| Retained earnings to average equity (ytd only) | 2.9844% | 3,941 |
| Net charge-offs to loans | 0.0429% | 3,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 79.3333% | 707 |
| Efficiency ratio | 67.2897% | 3,699 |
| Assets per employee ($millions) | 4.9653% | 2,406 |
| Cash dividends to net income (ytd only)* | 64.8228% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5927% | 359 |
| Loan loss allowance to noncurrent loans | 146.8333% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.0096% | 2,176 |
| Noncurrent loans to loans | 1.7657% | 1,263 |
| Net loans and leases to total assets | 28.9829% | 5,916 |
| Net loans and leases to deposits | 35.0072% | 5,905 |
| Net loans and leases to core deposits | 37.9963% | 5,880 |
| Total domestic deposits to total assets | 82.7910% | 3,909 |
| Equity capital to assets | 12.0488% | 1,920 |
| Core capital (leverage) ratio | 11.5361% | 1,932 |
| Tier 1 risk-based capital ratio | 27.5456% | 626 |
| Total risk-based capital ratio | 28.8040% | 613 |
| Memoranda: | ||
| Average total assets | $113,819,200 | 4,181 |
| Average earning assets | $107,147,000 | 4,113 |
| Average equity | $13,637,600 | 4,029 |
| Average total loans | $34,984,200 | 5,194 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9779% | 5,826 |
| Cost of funding earning assets | 0.2115% | 5,274 |
| Net interest margin | 2.7663% | 5,640 |
| Noninterest income to average assets | 0.5229% | 3,211 |
| Noninterest expense to average assets | 2.1314% | 5,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8406% | 3,214 |
| Return on assets (ROA) | 1.0130% | 2,503 |
| Pretax return on assets | 1.2029% | 2,810 |
| Return on Equity (ROE) | 8.4660% | 2,840 |
| Retained earnings to average equity (ytd only) | 4.0076% | 3,613 |
| Net charge-offs to loans | 0.0643% | 2,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 50.0503% | 1,053 |
| Efficiency ratio | 68.1154% | 3,516 |
| Assets per employee ($millions) | 5.2812% | 1,969 |
| Cash dividends to net income (ytd only)* | 52.6620% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5386% | 415 |
| Loan loss allowance to noncurrent loans | 149.3197% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.0905% | 2,179 |
| Noncurrent loans to loans | 1.7001% | 1,422 |
| Net loans and leases to total assets | 29.0121% | 6,003 |
| Net loans and leases to deposits | 33.1853% | 6,032 |
| Net loans and leases to core deposits | 36.9893% | 5,994 |
| Total domestic deposits to total assets | 87.4245% | 1,834 |
| Equity capital to assets | 11.9378% | 2,151 |
| Core capital (leverage) ratio | 11.7685% | 1,841 |
| Tier 1 risk-based capital ratio | 27.2663% | 665 |
| Total risk-based capital ratio | 28.5242% | 650 |
| Memoranda: | ||
| Average total assets | $113,723,500 | 4,229 |
| Average earning assets | $107,143,500 | 4,160 |
| Average equity | $13,607,000 | 4,079 |
| Average total loans | $35,235,250 | 5,239 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0519% | 5,796 |
| Cost of funding earning assets | 0.2102% | 5,351 |
| Net interest margin | 2.8417% | 5,541 |
| Noninterest income to average assets | 0.4818% | 3,491 |
| Noninterest expense to average assets | 2.1629% | 5,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8218% | 3,271 |
| Return on assets (ROA) | 1.0469% | 2,261 |
| Pretax return on assets | 1.2754% | 2,453 |
| Return on Equity (ROE) | 8.7430% | 2,681 |
| Retained earnings to average equity (ytd only) | 2.0119% | 4,692 |
| Net charge-offs to loans | 0.4344% | 590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 7.3377% | 2,680 |
| Efficiency ratio | 68.3651% | 3,622 |
| Assets per employee ($millions) | 4.9183% | 2,375 |
| Cash dividends to net income (ytd only)* | 76.9882% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4003% | 548 |
| Loan loss allowance to noncurrent loans | 167.8279% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 2,463 |
| Noncurrent loans to loans | 1.4302% | 1,872 |
| Net loans and leases to total assets | 29.4390% | 6,054 |
| Net loans and leases to deposits | 33.6038% | 6,089 |
| Net loans and leases to core deposits | 35.1658% | 6,089 |
| Total domestic deposits to total assets | 87.6063% | 1,836 |
| Equity capital to assets | 11.7448% | 2,211 |
| Core capital (leverage) ratio | 11.5347% | 1,965 |
| Tier 1 risk-based capital ratio | 24.8968% | 874 |
| Total risk-based capital ratio | 26.1510% | 859 |
| Memoranda: | ||
| Average total assets | $112,902,670 | 4,279 |
| Average earning assets | $106,555,330 | 4,212 |
| Average equity | $13,519,330 | 4,120 |
| Average total loans | $35,451,670 | 5,281 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9633% | 5,931 |
| Cost of funding earning assets | 0.2095% | 5,425 |
| Net interest margin | 2.7538% | 5,734 |
| Noninterest income to average assets | 0.4362% | 3,721 |
| Noninterest expense to average assets | 2.1774% | 5,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7538% | 3,513 |
| Return on assets (ROA) | 0.8618% | 3,066 |
| Pretax return on assets | 0.9930% | 3,538 |
| Return on Equity (ROE) | 7.1282% | 3,437 |
| Retained earnings to average equity (ytd only) | 1.2614% | 4,985 |
| Net charge-offs to loans | -0.0222% | 5,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4785% | 3,252 |
| Assets per employee ($millions) | 5.0882% | 2,247 |
| Cash dividends to net income (ytd only)* | 82.3045% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5569% | 494 |
| Loan loss allowance to noncurrent loans | 99.0077% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.4070% | 1,886 |
| Noncurrent loans to loans | 2.5826% | 926 |
| Net loans and leases to total assets | 30.5717% | 6,052 |
| Net loans and leases to deposits | 35.1107% | 6,088 |
| Net loans and leases to core deposits | 37.6629% | 6,051 |
| Total domestic deposits to total assets | 87.0725% | 2,332 |
| Equity capital to assets | 12.2852% | 1,827 |
| Core capital (leverage) ratio | 11.4164% | 2,066 |
| Tier 1 risk-based capital ratio | 25.4975% | 837 |
| Total risk-based capital ratio | 25.4975% | 953 |
| Memoranda: | ||
| Average total assets | $112,793,000 | 4,317 |
| Average earning assets | $106,906,500 | 4,237 |
| Average equity | $13,636,000 | 4,132 |
| Average total loans | $36,117,000 | 5,293 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1227% | 5,923 |
| Cost of funding earning assets | 0.2310% | 5,511 |
| Net interest margin | 2.8917% | 5,662 |
| Noninterest income to average assets | 0.5152% | 3,389 |
| Noninterest expense to average assets | 2.1141% | 5,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9077% | 2,835 |
| Return on assets (ROA) | 0.9236% | 2,853 |
| Pretax return on assets | 1.1694% | 2,782 |
| Return on Equity (ROE) | 8.0693% | 3,094 |
| Retained earnings to average equity (ytd only) | 3.8054% | 3,501 |
| Net charge-offs to loans | 0.5977% | 666 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.6883% | 3,374 |
| Efficiency ratio | 64.7816% | 4,442 |
| Assets per employee ($millions) | 5.1657% | 2,107 |
| Cash dividends to net income (ytd only)* | 52.8409% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4142% | 614 |
| Loan loss allowance to noncurrent loans | 107.4341% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 2,128 |
| Noncurrent loans to loans | 2.2471% | 1,169 |
| Net loans and leases to total assets | 31.8691% | 6,118 |
| Net loans and leases to deposits | 38.3170% | 6,093 |
| Net loans and leases to core deposits | 41.5477% | 6,059 |
| Total domestic deposits to total assets | 83.1723% | 4,013 |
| Equity capital to assets | 11.8966% | 2,087 |
| Core capital (leverage) ratio | 11.1979% | 2,219 |
| Tier 1 risk-based capital ratio | 26.6867% | 707 |
| Total risk-based capital ratio | 27.9428% | 690 |
| Memoranda: | ||
| Average total assets | $114,330,200 | 4,292 |
| Average earning assets | $108,655,600 | 4,215 |
| Average equity | $13,086,600 | 4,176 |
| Average total loans | $38,647,600 | 5,227 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1416% | 5,969 |
| Cost of funding earning assets | 0.2367% | 5,545 |
| Net interest margin | 2.9049% | 5,689 |
| Noninterest income to average assets | 0.5275% | 3,341 |
| Noninterest expense to average assets | 2.1321% | 5,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8967% | 2,922 |
| Return on assets (ROA) | 0.9176% | 2,931 |
| Pretax return on assets | 1.1807% | 2,855 |
| Return on Equity (ROE) | 8.0954% | 3,155 |
| Retained earnings to average equity (ytd only) | 5.0956% | 3,025 |
| Net charge-offs to loans | 0.7993% | 419 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.2351% | 3,508 |
| Efficiency ratio | 64.8831% | 4,395 |
| Assets per employee ($millions) | 4.9741% | 2,268 |
| Cash dividends to net income (ytd only)* | 37.0555% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3968% | 741 |
| Loan loss allowance to noncurrent loans | 172.2008% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.0367% | 2,890 |
| Noncurrent loans to loans | 1.3919% | 2,324 |
| Net loans and leases to total assets | 31.7504% | 6,193 |
| Net loans and leases to deposits | 36.3284% | 6,233 |
| Net loans and leases to core deposits | 39.6884% | 6,187 |
| Total domestic deposits to total assets | 87.3983% | 2,093 |
| Equity capital to assets | 11.8553% | 2,190 |
| Core capital (leverage) ratio | 11.2487% | 2,263 |
| Tier 1 risk-based capital ratio | 27.7374% | 660 |
| Total risk-based capital ratio | 28.9950% | 643 |
| Memoranda: | ||
| Average total assets | $114,501,250 | 4,326 |
| Average earning assets | $108,732,500 | 4,249 |
| Average equity | $12,978,250 | 4,225 |
| Average total loans | $39,031,000 | 5,271 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1945% | 5,963 |
| Cost of funding earning assets | 0.2396% | 5,587 |
| Net interest margin | 2.9549% | 5,622 |
| Noninterest income to average assets | 0.5221% | 3,325 |
| Noninterest expense to average assets | 2.1653% | 5,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8876% | 2,874 |
| Return on assets (ROA) | 0.8836% | 2,982 |
| Pretax return on assets | 1.1508% | 2,876 |
| Return on Equity (ROE) | 7.9166% | 3,143 |
| Retained earnings to average equity (ytd only) | 3.3481% | 4,069 |
| Net charge-offs to loans | 0.5248% | 774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.3654% | 2,780 |
| Efficiency ratio | 65.1945% | 4,486 |
| Assets per employee ($millions) | 5.2447% | 1,919 |
| Cash dividends to net income (ytd only)* | 57.7075% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6984% | 537 |
| Loan loss allowance to noncurrent loans | 93.5897% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.5254% | 2,138 |
| Noncurrent loans to loans | 2.8832% | 1,033 |
| Net loans and leases to total assets | 31.9388% | 6,245 |
| Net loans and leases to deposits | 36.3403% | 6,282 |
| Net loans and leases to core deposits | 38.6650% | 6,255 |
| Total domestic deposits to total assets | 87.8882% | 1,971 |
| Equity capital to assets | 11.4956% | 2,427 |
| Core capital (leverage) ratio | 10.9210% | 2,505 |
| Tier 1 risk-based capital ratio | 26.1202% | 761 |
| Total risk-based capital ratio | 27.3798% | 746 |
| Memoranda: | ||
| Average total assets | $114,533,330 | 4,358 |
| Average earning assets | $108,497,330 | 4,277 |
| Average equity | $12,783,330 | 4,272 |
| Average total loans | $39,636,000 | 5,293 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2019% | 6,000 |
| Cost of funding earning assets | 0.2409% | 5,669 |
| Net interest margin | 2.9610% | 5,622 |
| Noninterest income to average assets | 0.4838% | 3,537 |
| Noninterest expense to average assets | 2.1734% | 5,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8308% | 2,999 |
| Return on assets (ROA) | 0.8308% | 3,072 |
| Pretax return on assets | 1.1112% | 2,850 |
| Return on Equity (ROE) | 7.5580% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.5580% | 1,788 |
| Net charge-offs to loans | 0.8194% | 424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.8193% | 2,624 |
| Efficiency ratio | 66.1686% | 4,504 |
| Assets per employee ($millions) | 5.1895% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6984% | 628 |
| Loan loss allowance to noncurrent loans | 74.0767% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.8183% | 1,922 |
| Noncurrent loans to loans | 3.6427% | 779 |
| Net loans and leases to total assets | 32.9421% | 6,231 |
| Net loans and leases to deposits | 37.3835% | 6,272 |
| Net loans and leases to core deposits | 40.0451% | 6,233 |
| Total domestic deposits to total assets | 88.1195% | 2,160 |
| Equity capital to assets | 11.2762% | 2,454 |
| Core capital (leverage) ratio | 11.0451% | 2,342 |
| Tier 1 risk-based capital ratio | 25.3881% | 848 |
| Total risk-based capital ratio | 26.6490% | 831 |
| Memoranda: | ||
| Average total assets | $114,108,500 | 4,410 |
| Average earning assets | $107,937,000 | 4,317 |
| Average equity | $12,543,000 | 4,334 |
| Average total loans | $40,517,000 | 5,297 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0290% | 6,314 |
| Cost of funding earning assets | 0.3121% | 5,500 |
| Net interest margin | 2.7169% | 6,117 |
| Noninterest income to average assets | 0.5453% | 3,435 |
| Noninterest expense to average assets | 2.1077% | 5,815 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8562% | 3,000 |
| Return on assets (ROA) | 0.7891% | 3,451 |
| Pretax return on assets | 0.9162% | 3,692 |
| Return on Equity (ROE) | 7.1686% | 3,479 |
| Retained earnings to average equity (ytd only) | 1.6488% | 5,044 |
| Net charge-offs to loans | 0.0222% | 4,989 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 373 |
| Efficiency ratio | 67.8632% | 4,220 |
| Assets per employee ($millions) | 5.1840% | 1,973 |
| Cash dividends to net income (ytd only)* | 77.0000% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6569% | 694 |
| Loan loss allowance to noncurrent loans | 84.5345% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.7537% | 2,114 |
| Noncurrent loans to loans | 3.1429% | 1,093 |
| Net loans and leases to total assets | 36.1737% | 6,194 |
| Net loans and leases to deposits | 43.1642% | 6,164 |
| Net loans and leases to core deposits | 47.1459% | 6,085 |
| Total domestic deposits to total assets | 83.8049% | 4,244 |
| Equity capital to assets | 10.7079% | 2,928 |
| Core capital (leverage) ratio | 10.7973% | 2,578 |
| Tier 1 risk-based capital ratio | 22.9304% | 1,106 |
| Total risk-based capital ratio | 24.1890% | 1,081 |
| Memoranda: | ||
| Average total assets | $114,056,600 | 4,408 |
| Average earning assets | $107,328,600 | 4,332 |
| Average equity | $12,554,800 | 4,344 |
| Average total loans | $40,577,600 | 5,324 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9740% | 6,442 |
| Cost of funding earning assets | 0.3257% | 5,501 |
| Net interest margin | 2.6483% | 6,252 |
| Noninterest income to average assets | 0.4956% | 3,837 |
| Noninterest expense to average assets | 2.1322% | 5,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7215% | 3,747 |
| Return on assets (ROA) | 0.7166% | 3,904 |
| Pretax return on assets | 0.8475% | 4,107 |
| Return on Equity (ROE) | 6.4658% | 3,947 |
| Retained earnings to average equity (ytd only) | 4.3985% | 3,544 |
| Net charge-offs to loans | 0.0199% | 4,734 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 121.6638% | 431 |
| Efficiency ratio | 71.2999% | 3,552 |
| Assets per employee ($millions) | 5.1735% | 1,960 |
| Cash dividends to net income (ytd only)* | 31.9744% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7488% | 705 |
| Loan loss allowance to noncurrent loans | 80.7582% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.8152% | 2,252 |
| Noncurrent loans to loans | 3.4038% | 1,137 |
| Net loans and leases to total assets | 35.0937% | 6,320 |
| Net loans and leases to deposits | 39.6776% | 6,393 |
| Net loans and leases to core deposits | 43.4531% | 6,328 |
| Total domestic deposits to total assets | 88.4473% | 1,866 |
| Equity capital to assets | 10.8920% | 2,868 |
| Core capital (leverage) ratio | 10.9248% | 2,555 |
| Tier 1 risk-based capital ratio | 24.2184% | 965 |
| Total risk-based capital ratio | 25.4803% | 948 |
| Memoranda: | ||
| Average total assets | $114,059,000 | 4,447 |
| Average earning assets | $107,236,500 | 4,374 |
| Average equity | $12,640,500 | 4,372 |
| Average total loans | $40,126,750 | 5,390 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9269% | 6,514 |
| Cost of funding earning assets | 0.3330% | 5,539 |
| Net interest margin | 2.5939% | 6,342 |
| Noninterest income to average assets | 0.4714% | 4,016 |
| Noninterest expense to average assets | 2.1640% | 5,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6665% | 3,988 |
| Return on assets (ROA) | 0.6588% | 4,179 |
| Pretax return on assets | 0.7552% | 4,489 |
| Return on Equity (ROE) | 5.9112% | 4,226 |
| Retained earnings to average equity (ytd only) | 2.8298% | 4,516 |
| Net charge-offs to loans | 0.0301% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 72.6667% | 616 |
| Efficiency ratio | 73.7283% | 3,181 |
| Assets per employee ($millions) | 5.0728% | 2,027 |
| Cash dividends to net income (ytd only)* | 52.1277% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8186% | 697 |
| Loan loss allowance to noncurrent loans | 89.1785% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.6833% | 2,587 |
| Noncurrent loans to loans | 3.1606% | 1,390 |
| Net loans and leases to total assets | 33.3636% | 6,447 |
| Net loans and leases to deposits | 37.5482% | 6,503 |
| Net loans and leases to core deposits | 39.8532% | 6,482 |
| Total domestic deposits to total assets | 88.8554% | 1,707 |
| Equity capital to assets | 10.5610% | 3,223 |
| Core capital (leverage) ratio | 10.6981% | 2,668 |
| Tier 1 risk-based capital ratio | 24.6719% | 912 |
| Total risk-based capital ratio | 25.9358% | 893 |
| Memoranda: | ||
| Average total assets | $114,139,330 | 4,482 |
| Average earning assets | $108,099,000 | 4,381 |
| Average equity | $12,721,670 | 4,392 |
| Average total loans | $39,811,670 | 5,428 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1043% | 6,394 |
| Cost of funding earning assets | 0.3524% | 5,514 |
| Net interest margin | 2.7519% | 6,124 |
| Noninterest income to average assets | 0.4855% | 3,879 |
| Noninterest expense to average assets | 2.2787% | 5,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6592% | 3,907 |
| Return on assets (ROA) | 0.6592% | 4,068 |
| Pretax return on assets | 0.8080% | 4,138 |
| Return on Equity (ROE) | 5.7578% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.7578% | 2,809 |
| Net charge-offs to loans | 0.0202% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 341 |
| Efficiency ratio | 73.4788% | 3,353 |
| Assets per employee ($millions) | 4.9734% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9184% | 717 |
| Loan loss allowance to noncurrent loans | 79.8450% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.8096% | 2,600 |
| Noncurrent loans to loans | 3.6551% | 1,299 |
| Net loans and leases to total assets | 32.9481% | 6,469 |
| Net loans and leases to deposits | 37.4393% | 6,525 |
| Net loans and leases to core deposits | 40.0164% | 6,482 |
| Total domestic deposits to total assets | 88.0041% | 2,309 |
| Equity capital to assets | 11.3149% | 2,617 |
| Core capital (leverage) ratio | 10.9056% | 2,346 |
| Tier 1 risk-based capital ratio | 25.0468% | 883 |
| Total risk-based capital ratio | 26.2799% | 872 |
| Memoranda: | ||
| Average total assets | $112,871,500 | 4,557 |
| Average earning assets | $106,691,000 | 4,454 |
| Average equity | $12,921,500 | 4,395 |
| Average total loans | $39,689,500 | 5,480 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5494% | 6,295 |
| Cost of funding earning assets | 0.4520% | 5,573 |
| Net interest margin | 3.0975% | 5,820 |
| Noninterest income to average assets | 0.5029% | 3,877 |
| Noninterest expense to average assets | 2.2197% | 5,884 |
| Loan and lease loss provision to assets | 0.1207% | 4,108 |
| Net operating income to assets | 0.7834% | 3,354 |
| Return on assets (ROA) | 1.1030% | 2,111 |
| Pretax return on assets | 1.5306% | 1,592 |
| Return on Equity (ROE) | 9.0304% | 2,626 |
| Retained earnings to average equity (ytd only) | -2.1182% | 6,176 |
| Net charge-offs to loans | 0.8416% | 1,375 |
| Credit loss provision to net charge-offs | 37.8917% | 4,973 |
| Earnings coverage of net charge-offs (x) | 3.7892% | 3,604 |
| Efficiency ratio | 63.9205% | 4,898 |
| Assets per employee ($millions) | 4.6398% | 2,716 |
| Cash dividends to net income (ytd only)* | 123.4568% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7985% | 821 |
| Loan loss allowance to noncurrent loans | 69.5466% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.0502% | 2,392 |
| Noncurrent loans to loans | 4.0240% | 1,162 |
| Net loans and leases to total assets | 35.4024% | 6,471 |
| Net loans and leases to deposits | 40.3575% | 6,531 |
| Net loans and leases to core deposits | 43.8261% | 6,473 |
| Total domestic deposits to total assets | 87.7220% | 2,397 |
| Equity capital to assets | 11.5847% | 2,362 |
| Core capital (leverage) ratio | 10.9462% | 2,301 |
| Tier 1 risk-based capital ratio | 25.0616% | 845 |
| Total risk-based capital ratio | 26.3255% | 833 |
| Memoranda: | ||
| Average total assets | $110,152,400 | 4,588 |
| Average earning assets | $103,988,200 | 4,492 |
| Average equity | $13,454,600 | 4,266 |
| Average total loans | $41,708,200 | 5,433 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6446% | 6,326 |
| Cost of funding earning assets | 0.4734% | 5,608 |
| Net interest margin | 3.1712% | 5,765 |
| Noninterest income to average assets | 0.6748% | 2,849 |
| Noninterest expense to average assets | 2.2393% | 5,854 |
| Loan and lease loss provision to assets | 0.1614% | 3,494 |
| Net operating income to assets | 0.9107% | 2,927 |
| Return on assets (ROA) | 1.1021% | 2,279 |
| Pretax return on assets | 1.5402% | 1,754 |
| Return on Equity (ROE) | 8.9062% | 2,846 |
| Retained earnings to average equity (ytd only) | 5.9636% | 2,714 |
| Net charge-offs to loans | 1.1239% | 898 |
| Credit loss provision to net charge-offs | 37.5706% | 4,667 |
| Earnings coverage of net charge-offs (x) | 3.3418% | 3,683 |
| Efficiency ratio | 60.1387% | 5,470 |
| Assets per employee ($millions) | 5.0410% | 2,131 |
| Cash dividends to net income (ytd only)* | 33.0395% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7498% | 936 |
| Loan loss allowance to noncurrent loans | 62.6313% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 2.4048% | 2,212 |
| Noncurrent loans to loans | 4.3905% | 1,093 |
| Net loans and leases to total assets | 36.1310% | 6,541 |
| Net loans and leases to deposits | 41.7748% | 6,605 |
| Net loans and leases to core deposits | 44.1786% | 6,590 |
| Total domestic deposits to total assets | 86.4899% | 2,991 |
| Equity capital to assets | 12.6842% | 1,776 |
| Core capital (leverage) ratio | 11.5969% | 1,916 |
| Tier 1 risk-based capital ratio | 26.1521% | 811 |
| Total risk-based capital ratio | 27.4169% | 793 |
| Memoranda: | ||
| Average total assets | $109,852,000 | 4,644 |
| Average earning assets | $103,933,500 | 4,542 |
| Average equity | $13,593,250 | 4,282 |
| Average total loans | $41,996,000 | 5,487 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 6,233 |
| Cost of funding earning assets | 0.4874% | 5,704 |
| Net interest margin | 3.2704% | 5,533 |
| Noninterest income to average assets | 0.7196% | 2,554 |
| Noninterest expense to average assets | 2.2100% | 5,975 |
| Loan and lease loss provision to assets | 0.1224% | 3,994 |
| Net operating income to assets | 1.0414% | 2,290 |
| Return on assets (ROA) | 1.1361% | 2,145 |
| Pretax return on assets | 1.6091% | 1,520 |
| Return on Equity (ROE) | 9.2592% | 2,686 |
| Retained earnings to average equity (ytd only) | 4.7933% | 3,415 |
| Net charge-offs to loans | 1.6280% | 572 |
| Credit loss provision to net charge-offs | 19.4767% | 4,614 |
| Earnings coverage of net charge-offs (x) | 2.5436% | 3,742 |
| Efficiency ratio | 57.2662% | 5,960 |
| Assets per employee ($millions) | 4.8659% | 2,333 |
| Cash dividends to net income (ytd only)* | 48.2315% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5770% | 1,177 |
| Loan loss allowance to noncurrent loans | 61.2977% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.3366% | 2,390 |
| Noncurrent loans to loans | 4.2042% | 1,298 |
| Net loans and leases to total assets | 36.3803% | 6,595 |
| Net loans and leases to deposits | 41.8023% | 6,662 |
| Net loans and leases to core deposits | 44.1877% | 6,656 |
| Total domestic deposits to total assets | 87.0294% | 2,748 |
| Equity capital to assets | 12.2298% | 1,989 |
| Core capital (leverage) ratio | 11.4539% | 1,933 |
| Tier 1 risk-based capital ratio | 25.3780% | 867 |
| Total risk-based capital ratio | 26.6401% | 849 |
| Memoranda: | ||
| Average total assets | $109,502,000 | 4,680 |
| Average earning assets | $103,413,000 | 4,588 |
| Average equity | $13,435,330 | 4,310 |
| Average total loans | $42,260,330 | 5,504 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8274% | 6,193 |
| Cost of funding earning assets | 0.5221% | 5,665 |
| Net interest margin | 3.3053% | 5,454 |
| Noninterest income to average assets | 0.6464% | 2,947 |
| Noninterest expense to average assets | 2.2235% | 5,981 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0624% | 2,242 |
| Return on assets (ROA) | 1.2484% | 1,779 |
| Pretax return on assets | 1.8025% | 1,065 |
| Return on Equity (ROE) | 10.1582% | 2,342 |
| Retained earnings to average equity (ytd only) | 10.1582% | 1,223 |
| Net charge-offs to loans | 3.2569% | 211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.1994% | 3,737 |
| Efficiency ratio | 58.4071% | 5,860 |
| Assets per employee ($millions) | 4.9610% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4391% | 1,446 |
| Loan loss allowance to noncurrent loans | 48.6721% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 3.2527% | 1,777 |
| Noncurrent loans to loans | 5.0113% | 1,116 |
| Net loans and leases to total assets | 36.9421% | 6,561 |
| Net loans and leases to deposits | 42.5602% | 6,631 |
| Net loans and leases to core deposits | 45.0341% | 6,618 |
| Total domestic deposits to total assets | 86.7996% | 3,068 |
| Equity capital to assets | 12.3812% | 1,800 |
| Core capital (leverage) ratio | 11.6952% | 1,772 |
| Tier 1 risk-based capital ratio | 25.1106% | 894 |
| Total risk-based capital ratio | 26.3706% | 878 |
| Memoranda: | ||
| Average total assets | $108,295,500 | 4,745 |
| Average earning assets | $101,897,500 | 4,654 |
| Average equity | $13,309,500 | 4,349 |
| Average total loans | $42,494,500 | 5,531 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 6,057 |
| Cost of funding earning assets | 0.6878% | 5,617 |
| Net interest margin | 3.5108% | 5,101 |
| Noninterest income to average assets | 0.6825% | 2,704 |
| Noninterest expense to average assets | 2.6887% | 4,783 |
| Loan and lease loss provision to assets | 0.5955% | 1,739 |
| Net operating income to assets | 0.5726% | 4,134 |
| Return on assets (ROA) | 0.6086% | 4,140 |
| Pretax return on assets | 0.7442% | 4,175 |
| Return on Equity (ROE) | 5.1058% | 4,339 |
| Retained earnings to average equity (ytd only) | 2.7529% | 4,277 |
| Net charge-offs to loans | 0.7535% | 2,268 |
| Credit loss provision to net charge-offs | 183.0460% | 1,406 |
| Earnings coverage of net charge-offs (x) | 3.9828% | 3,312 |
| Efficiency ratio | 66.7292% | 4,617 |
| Assets per employee ($millions) | 4.8841% | 2,342 |
| Cash dividends to net income (ytd only)* | 46.0829% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1011% | 742 |
| Loan loss allowance to noncurrent loans | 50.5224% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 3.7543% | 1,549 |
| Noncurrent loans to loans | 6.1381% | 793 |
| Net loans and leases to total assets | 39.3746% | 6,580 |
| Net loans and leases to deposits | 45.8991% | 6,632 |
| Net loans and leases to core deposits | 48.6746% | 6,608 |
| Total domestic deposits to total assets | 85.7850% | 3,438 |
| Equity capital to assets | 12.1973% | 1,966 |
| Core capital (leverage) ratio | 11.4676% | 1,916 |
| Tier 1 risk-based capital ratio | 23.3258% | 1,062 |
| Total risk-based capital ratio | 24.5920% | 1,038 |
| Memoranda: | ||
| Average total assets | $106,966,000 | 4,708 |
| Average earning assets | $100,603,600 | 4,623 |
| Average equity | $12,750,200 | 4,383 |
| Average total loans | $46,187,400 | 5,420 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 6,182 |
| Cost of funding earning assets | 0.7304% | 5,592 |
| Net interest margin | 3.4798% | 5,270 |
| Noninterest income to average assets | 0.6614% | 2,814 |
| Noninterest expense to average assets | 2.8102% | 4,304 |
| Loan and lease loss provision to assets | 0.7949% | 1,174 |
| Net operating income to assets | 0.3129% | 5,350 |
| Return on assets (ROA) | 0.4455% | 4,995 |
| Pretax return on assets | 0.4729% | 5,250 |
| Return on Equity (ROE) | 3.7594% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.7594% | 4,071 |
| Net charge-offs to loans | 0.8486% | 1,878 |
| Credit loss provision to net charge-offs | 213.7584% | 1,354 |
| Earnings coverage of net charge-offs (x) | 3.0302% | 3,620 |
| Efficiency ratio | 70.6181% | 3,830 |
| Assets per employee ($millions) | 4.5785% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2949% | 663 |
| Loan loss allowance to noncurrent loans | 50.9434% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 3.9551% | 1,549 |
| Noncurrent loans to loans | 6.4678% | 822 |
| Net loans and leases to total assets | 37.5005% | 6,800 |
| Net loans and leases to deposits | 42.9021% | 6,878 |
| Net loans and leases to core deposits | 45.3852% | 6,869 |
| Total domestic deposits to total assets | 87.4094% | 2,401 |
| Equity capital to assets | 12.0099% | 2,244 |
| Core capital (leverage) ratio | 11.2833% | 2,169 |
| Tier 1 risk-based capital ratio | 24.1797% | 995 |
| Total risk-based capital ratio | 25.4491% | 975 |
| Memoranda: | ||
| Average total assets | $106,845,000 | 4,739 |
| Average earning assets | $100,577,000 | 4,660 |
| Average equity | $12,661,250 | 4,413 |
| Average total loans | $46,818,750 | 5,436 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 6,448 |
| Cost of funding earning assets | 0.7817% | 5,499 |
| Net interest margin | 3.3379% | 5,749 |
| Noninterest income to average assets | 0.6142% | 3,045 |
| Noninterest expense to average assets | 3.0161% | 3,574 |
| Loan and lease loss provision to assets | 1.2038% | 646 |
| Net operating income to assets | -0.1344% | 6,396 |
| Return on assets (ROA) | -0.0038% | 6,306 |
| Pretax return on assets | -0.2627% | 6,506 |
| Return on Equity (ROE) | -0.0320% | 6,307 |
| Retained earnings to average equity (ytd only) | -0.0320% | 5,843 |
| Net charge-offs to loans | 1.9037% | 711 |
| Credit loss provision to net charge-offs | 138.7800% | 2,196 |
| Earnings coverage of net charge-offs (x) | 0.8497% | 4,662 |
| Efficiency ratio | 79.5569% | 2,457 |
| Assets per employee ($millions) | 4.5867% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7262% | 1,151 |
| Loan loss allowance to noncurrent loans | 30.4039% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 5.1607% | 1,181 |
| Noncurrent loans to loans | 8.9666% | 465 |
| Net loans and leases to total assets | 40.2576% | 6,723 |
| Net loans and leases to deposits | 45.9057% | 6,835 |
| Net loans and leases to core deposits | 50.7728% | 6,727 |
| Total domestic deposits to total assets | 87.6963% | 2,342 |
| Equity capital to assets | 11.5633% | 2,448 |
| Core capital (leverage) ratio | 11.1653% | 2,136 |
| Tier 1 risk-based capital ratio | 21.9053% | 1,270 |
| Total risk-based capital ratio | 23.1701% | 1,240 |
| Memoranda: | ||
| Average total assets | $105,832,000 | 4,801 |
| Average earning assets | $99,525,000 | 4,717 |
| Average equity | $12,482,670 | 4,437 |
| Average total loans | $48,221,330 | 5,428 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 6,226 |
| Cost of funding earning assets | 0.8298% | 5,395 |
| Net interest margin | 3.3931% | 5,456 |
| Noninterest income to average assets | 0.4821% | 4,031 |
| Noninterest expense to average assets | 2.4492% | 5,742 |
| Loan and lease loss provision to assets | 0.4513% | 1,957 |
| Net operating income to assets | 0.5978% | 4,038 |
| Return on assets (ROA) | 0.5978% | 4,106 |
| Pretax return on assets | 0.7675% | 4,029 |
| Return on Equity (ROE) | 5.0164% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.0164% | 3,185 |
| Net charge-offs to loans | 0.1049% | 3,909 |
| Credit loss provision to net charge-offs | 900.0000% | 420 |
| Earnings coverage of net charge-offs (x) | 24.3077% | 987 |
| Efficiency ratio | 65.9306% | 5,045 |
| Assets per employee ($millions) | 4.4439% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4725% | 1,499 |
| Loan loss allowance to noncurrent loans | 26.5636% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 5.2412% | 1,186 |
| Noncurrent loans to loans | 9.3078% | 463 |
| Net loans and leases to total assets | 43.1976% | 6,529 |
| Net loans and leases to deposits | 50.5065% | 6,586 |
| Net loans and leases to core deposits | 55.7887% | 6,428 |
| Total domestic deposits to total assets | 85.5289% | 3,770 |
| Equity capital to assets | 11.7717% | 2,059 |
| Core capital (leverage) ratio | 11.3588% | 1,924 |
| Tier 1 risk-based capital ratio | 21.9158% | 1,245 |
| Total risk-based capital ratio | 23.1509% | 1,211 |
| Memoranda: | ||
| Average total assets | $103,707,500 | 4,899 |
| Average earning assets | $97,373,500 | 4,810 |
| Average equity | $12,359,500 | 4,473 |
| Average total loans | $49,553,000 | 5,414 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 4,402 |
| Cost of funding earning assets | 1.1317% | 4,959 |
| Net interest margin | 3.9003% | 3,488 |
| Noninterest income to average assets | 0.6002% | 3,477 |
| Noninterest expense to average assets | 2.5197% | 5,716 |
| Loan and lease loss provision to assets | 0.4417% | 3,468 |
| Net operating income to assets | 0.8600% | 2,554 |
| Return on assets (ROA) | 0.8874% | 2,572 |
| Pretax return on assets | 1.1846% | 2,274 |
| Return on Equity (ROE) | 7.3991% | 2,934 |
| Retained earnings to average equity (ytd only) | 1.9489% | 4,503 |
| Net charge-offs to loans | 0.6933% | 2,928 |
| Credit loss provision to net charge-offs | 121.1957% | 3,471 |
| Earnings coverage of net charge-offs (x) | 4.3614% | 2,953 |
| Efficiency ratio | 60.5447% | 5,962 |
| Assets per employee ($millions) | 4.1984% | 3,384 |
| Cash dividends to net income (ytd only)* | 73.6607% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0534% | 2,170 |
| Loan loss allowance to noncurrent loans | 25.4055% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 5.3443% | 1,161 |
| Noncurrent loans to loans | 8.0824% | 638 |
| Net loans and leases to total assets | 50.4173% | 6,129 |
| Net loans and leases to deposits | 59.5697% | 6,107 |
| Net loans and leases to core deposits | 66.6024% | 5,822 |
| Total domestic deposits to total assets | 84.6359% | 4,038 |
| Equity capital to assets | 12.0721% | 1,870 |
| Core capital (leverage) ratio | 11.4064% | 1,889 |
| Tier 1 risk-based capital ratio | 19.7952% | 1,530 |
| Total risk-based capital ratio | 21.0261% | 1,503 |
| Memoranda: | ||
| Average total assets | $100,964,200 | 4,958 |
| Average earning assets | $90,838,400 | 4,991 |
| Average equity | $12,109,600 | 4,574 |
| Average total loans | $53,078,000 | 5,354 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1467% | 4,093 |
| Cost of funding earning assets | 1.1842% | 4,957 |
| Net interest margin | 3.9625% | 3,277 |
| Noninterest income to average assets | 0.5834% | 3,556 |
| Noninterest expense to average assets | 2.4603% | 5,855 |
| Loan and lease loss provision to assets | 0.4065% | 3,464 |
| Net operating income to assets | 0.8957% | 2,628 |
| Return on assets (ROA) | 0.9319% | 2,618 |
| Pretax return on assets | 1.3001% | 2,169 |
| Return on Equity (ROE) | 7.7820% | 2,995 |
| Retained earnings to average equity (ytd only) | 2.5683% | 4,623 |
| Net charge-offs to loans | 0.8442% | 2,339 |
| Credit loss provision to net charge-offs | 91.1243% | 4,723 |
| Earnings coverage of net charge-offs (x) | 3.7130% | 3,325 |
| Efficiency ratio | 58.9933% | 6,105 |
| Assets per employee ($millions) | 4.4052% | 3,072 |
| Cash dividends to net income (ytd only)* | 66.9971% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8587% | 2,601 |
| Loan loss allowance to noncurrent loans | 31.4370% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 3.9036% | 1,806 |
| Noncurrent loans to loans | 5.9123% | 1,075 |
| Net loans and leases to total assets | 47.7460% | 6,542 |
| Net loans and leases to deposits | 56.2058% | 6,607 |
| Net loans and leases to core deposits | 61.7798% | 6,485 |
| Total domestic deposits to total assets | 84.9485% | 3,639 |
| Equity capital to assets | 11.6634% | 2,395 |
| Core capital (leverage) ratio | 11.4769% | 1,954 |
| Tier 1 risk-based capital ratio | 19.9425% | 1,562 |
| Total risk-based capital ratio | 21.1737% | 1,533 |
| Memoranda: | ||
| Average total assets | $101,015,000 | 5,011 |
| Average earning assets | $90,075,000 | 5,065 |
| Average equity | $12,096,000 | 4,649 |
| Average total loans | $53,381,000 | 5,416 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3221% | 3,359 |
| Cost of funding earning assets | 1.2129% | 5,056 |
| Net interest margin | 4.1091% | 2,514 |
| Noninterest income to average assets | 0.6094% | 3,268 |
| Noninterest expense to average assets | 2.4476% | 5,919 |
| Loan and lease loss provision to assets | 0.2977% | 4,007 |
| Net operating income to assets | 1.1059% | 1,839 |
| Return on assets (ROA) | 1.1001% | 1,928 |
| Pretax return on assets | 1.5285% | 1,485 |
| Return on Equity (ROE) | 9.1033% | 2,422 |
| Retained earnings to average equity (ytd only) | 5.4087% | 2,671 |
| Net charge-offs to loans | 0.0962% | 5,184 |
| Credit loss provision to net charge-offs | 569.2308% | 652 |
| Earnings coverage of net charge-offs (x) | 35.0769% | 813 |
| Efficiency ratio | 56.4115% | 6,586 |
| Assets per employee ($millions) | 4.3295% | 3,162 |
| Cash dividends to net income (ytd only)* | 40.5850% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0790% | 2,014 |
| Loan loss allowance to noncurrent loans | 41.3742% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 2.6947% | 2,686 |
| Noncurrent loans to loans | 5.0250% | 1,371 |
| Net loans and leases to total assets | 50.2233% | 6,410 |
| Net loans and leases to deposits | 59.0019% | 6,498 |
| Net loans and leases to core deposits | 63.1570% | 6,469 |
| Total domestic deposits to total assets | 85.1215% | 3,564 |
| Equity capital to assets | 11.7710% | 2,229 |
| Core capital (leverage) ratio | 11.9362% | 1,679 |
| Tier 1 risk-based capital ratio | 19.6627% | 1,571 |
| Total risk-based capital ratio | 20.8896% | 1,551 |
| Memoranda: | ||
| Average total assets | $99,445,330 | 5,095 |
| Average earning assets | $88,875,330 | 5,139 |
| Average equity | $12,017,670 | 4,672 |
| Average total loans | $54,029,670 | 5,423 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3514% | 3,295 |
| Cost of funding earning assets | 1.2218% | 5,274 |
| Net interest margin | 4.1296% | 2,323 |
| Noninterest income to average assets | 0.5226% | 3,870 |
| Noninterest expense to average assets | 2.5634% | 5,499 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2220% | 1,484 |
| Return on assets (ROA) | 1.2220% | 1,560 |
| Pretax return on assets | 1.7281% | 1,005 |
| Return on Equity (ROE) | 9.9740% | 2,113 |
| Retained earnings to average equity (ytd only) | 2.5187% | 4,620 |
| Net charge-offs to loans | 0.0809% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 38.1818% | 719 |
| Efficiency ratio | 58.9645% | 6,342 |
| Assets per employee ($millions) | 4.0647% | 3,719 |
| Cash dividends to net income (ytd only)* | 74.7475% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8168% | 2,681 |
| Loan loss allowance to noncurrent loans | 57.5991% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.8585% | 3,691 |
| Noncurrent loans to loans | 3.1542% | 2,545 |
| Net loans and leases to total assets | 53.9579% | 6,027 |
| Net loans and leases to deposits | 63.4609% | 6,114 |
| Net loans and leases to core deposits | 69.0140% | 6,003 |
| Total domestic deposits to total assets | 85.0254% | 3,664 |
| Equity capital to assets | 12.2786% | 1,891 |
| Core capital (leverage) ratio | 12.0419% | 1,634 |
| Tier 1 risk-based capital ratio | 19.0124% | 1,721 |
| Total risk-based capital ratio | 20.2347% | 1,691 |
| Memoranda: | ||
| Average total assets | $97,214,000 | 5,229 |
| Average earning assets | $88,724,500 | 5,207 |
| Average equity | $11,911,000 | 4,740 |
| Average total loans | $54,397,500 | 5,475 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6451% | 3,375 |
| Cost of funding earning assets | 1.5169% | 5,449 |
| Net interest margin | 4.1282% | 2,326 |
| Noninterest income to average assets | 0.5814% | 3,772 |
| Noninterest expense to average assets | 2.7108% | 5,340 |
| Loan and lease loss provision to assets | 0.1921% | 5,804 |
| Net operating income to assets | 1.0228% | 1,768 |
| Return on assets (ROA) | 0.9717% | 1,990 |
| Pretax return on assets | 1.3693% | 1,503 |
| Return on Equity (ROE) | 8.3520% | 2,253 |
| Retained earnings to average equity (ytd only) | 6.1360% | 1,305 |
| Net charge-offs to loans | -0.0094% | 7,747 |
| Credit loss provision to net charge-offs | -3,740.0000% | 7,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6458% | 6,212 |
| Assets per employee ($millions) | 4.2120% | 3,416 |
| Cash dividends to net income (ytd only)* | 26.5328% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7867% | 2,592 |
| Loan loss allowance to noncurrent loans | 250.8906% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 6,194 |
| Noncurrent loans to loans | 0.7122% | 5,822 |
| Net loans and leases to total assets | 55.9457% | 5,960 |
| Net loans and leases to deposits | 66.6658% | 5,982 |
| Net loans and leases to core deposits | 78.5296% | 6,220 |
| Total domestic deposits to total assets | 83.9196% | 4,058 |
| Equity capital to assets | 12.2259% | 1,896 |
| Core capital (leverage) ratio | 11.9428% | 1,689 |
| Tier 1 risk-based capital ratio | 18.4196% | 1,774 |
| Total risk-based capital ratio | 19.6741% | 1,731 |
| Memoranda: | ||
| Average total assets | $97,351,000 | 5,154 |
| Average earning assets | $88,732,000 | 5,162 |
| Average equity | $11,326,600 | 4,926 |
| Average total loans | $52,942,000 | 5,549 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6688% | 3,483 |
| Cost of funding earning assets | 1.5520% | 5,623 |
| Net interest margin | 4.1168% | 2,329 |
| Noninterest income to average assets | 0.5718% | 3,906 |
| Noninterest expense to average assets | 2.7235% | 5,227 |
| Loan and lease loss provision to assets | 0.1860% | 5,512 |
| Net operating income to assets | 1.0659% | 1,845 |
| Return on assets (ROA) | 0.9890% | 2,160 |
| Pretax return on assets | 1.3282% | 1,884 |
| Return on Equity (ROE) | 8.6091% | 2,405 |
| Retained earnings to average equity (ytd only) | 5.6203% | 2,148 |
| Net charge-offs to loans | -0.0102% | 7,685 |
| Credit loss provision to net charge-offs | -3,400.0000% | 7,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9723% | 6,109 |
| Assets per employee ($millions) | 4.0020% | 3,729 |
| Cash dividends to net income (ytd only)* | 34.7165% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 2,504 |
| Loan loss allowance to noncurrent loans | 474.1117% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 6,726 |
| Noncurrent loans to loans | 0.3657% | 6,618 |
| Net loans and leases to total assets | 55.1058% | 6,255 |
| Net loans and leases to deposits | 64.9057% | 6,412 |
| Net loans and leases to core deposits | 76.7751% | 6,570 |
| Total domestic deposits to total assets | 84.9013% | 3,287 |
| Equity capital to assets | 12.1658% | 2,147 |
| Core capital (leverage) ratio | 12.0537% | 1,781 |
| Tier 1 risk-based capital ratio | 18.1419% | 1,946 |
| Total risk-based capital ratio | 19.3948% | 1,897 |
| Memoranda: | ||
| Average total assets | $97,469,750 | 5,194 |
| Average earning assets | $89,258,000 | 5,187 |
| Average equity | $11,197,250 | 5,018 |
| Average total loans | $52,381,500 | 5,620 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6854% | 3,634 |
| Cost of funding earning assets | 1.6117% | 5,701 |
| Net interest margin | 4.0737% | 2,426 |
| Noninterest income to average assets | 0.5575% | 3,975 |
| Noninterest expense to average assets | 2.5913% | 5,774 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1836% | 1,524 |
| Return on assets (ROA) | 1.3681% | 1,155 |
| Pretax return on assets | 1.9705% | 600 |
| Return on Equity (ROE) | 12.1435% | 1,371 |
| Retained earnings to average equity (ytd only) | 12.1435% | 421 |
| Net charge-offs to loans | 0.0116% | 6,396 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 278.0000% | 143 |
| Efficiency ratio | 59.5816% | 6,609 |
| Assets per employee ($millions) | 4.1525% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 3,051 |
| Loan loss allowance to noncurrent loans | 476.5060% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 6,819 |
| Noncurrent loans to loans | 0.3204% | 6,710 |
| Net loans and leases to total assets | 51.1895% | 6,767 |
| Net loans and leases to deposits | 59.7391% | 6,909 |
| Net loans and leases to core deposits | 66.4107% | 7,194 |
| Total domestic deposits to total assets | 85.6885% | 2,928 |
| Equity capital to assets | 11.3334% | 2,647 |
| Core capital (leverage) ratio | 12.0846% | 1,798 |
| Tier 1 risk-based capital ratio | 18.4462% | 1,889 |
| Total risk-based capital ratio | 19.6559% | 1,853 |
| Memoranda: | ||
| Average total assets | $97,943,670 | 5,216 |
| Average earning assets | $89,844,000 | 5,207 |
| Average equity | $11,034,670 | 5,079 |
| Average total loans | $51,888,000 | 5,683 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6055% | 4,321 |
| Cost of funding earning assets | 1.7358% | 5,447 |
| Net interest margin | 3.8697% | 3,192 |
| Noninterest income to average assets | 0.5150% | 4,185 |
| Noninterest expense to average assets | 2.4679% | 5,965 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1419% | 1,834 |
| Return on assets (ROA) | 1.1536% | 1,913 |
| Pretax return on assets | 1.6274% | 1,340 |
| Return on Equity (ROE) | 10.2710% | 2,209 |
| Retained earnings to average equity (ytd only) | 10.2710% | 1,125 |
| Net charge-offs to loans | 0.0154% | 5,367 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 195.5000% | 215 |
| Efficiency ratio | 59.6970% | 6,444 |
| Assets per employee ($millions) | 4.1660% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 2,833 |
| Loan loss allowance to noncurrent loans | 504.4586% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 7,017 |
| Noncurrent loans to loans | 0.3026% | 6,680 |
| Net loans and leases to total assets | 53.3214% | 6,551 |
| Net loans and leases to deposits | 62.6953% | 6,679 |
| Net loans and leases to core deposits | 74.3109% | 6,791 |
| Total domestic deposits to total assets | 85.0486% | 3,175 |
| Equity capital to assets | 11.6034% | 2,525 |
| Core capital (leverage) ratio | 11.5317% | 2,125 |
| Tier 1 risk-based capital ratio | 18.3925% | 1,962 |
| Total risk-based capital ratio | 19.6285% | 1,922 |
| Memoranda: | ||
| Average total assets | $97,085,000 | 5,268 |
| Average earning assets | $89,411,500 | 5,242 |
| Average equity | $10,904,500 | 5,132 |
| Average total loans | $51,928,500 | 5,724 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7592% | 6,563 |
| Cost of funding earning assets | 2.1915% | 5,637 |
| Net interest margin | 3.5677% | 5,024 |
| Noninterest income to average assets | 0.6883% | 3,197 |
| Noninterest expense to average assets | 2.4905% | 6,042 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1166% | 2,081 |
| Return on assets (ROA) | 1.1806% | 1,769 |
| Pretax return on assets | 1.6217% | 1,329 |
| Return on Equity (ROE) | 9.1877% | 2,573 |
| Retained earnings to average equity (ytd only) | -12.9537% | 7,325 |
| Net charge-offs to loans | 0.0514% | 6,055 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 58.8400% | 679 |
| Efficiency ratio | 61.0521% | 6,150 |
| Assets per employee ($millions) | 4.2762% | 2,996 |
| Cash dividends to net income (ytd only)* | 240.9894% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 2,555 |
| Loan loss allowance to noncurrent loans | 379.9043% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 6,683 |
| Noncurrent loans to loans | 0.4021% | 6,142 |
| Net loans and leases to total assets | 52.0371% | 6,842 |
| Net loans and leases to deposits | 61.6760% | 6,972 |
| Net loans and leases to core deposits | 73.2157% | 7,011 |
| Total domestic deposits to total assets | 84.3716% | 3,143 |
| Equity capital to assets | 10.8700% | 3,146 |
| Core capital (leverage) ratio | 11.0691% | 2,537 |
| Tier 1 risk-based capital ratio | 17.8437% | 2,080 |
| Total risk-based capital ratio | 19.0730% | 2,023 |
| Memoranda: | ||
| Average total assets | $95,885,000 | 5,176 |
| Average earning assets | $89,665,200 | 5,095 |
| Average equity | $12,320,800 | 4,753 |
| Average total loans | $48,601,000 | 5,752 |