Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5003% | 4,861 |
| Cost of funding earning assets | 0.2477% | 4,685 |
| Net interest margin | 3.2526% | 4,369 |
| Noninterest income to average assets | 0.3071% | 4,588 |
| Noninterest expense to average assets | 1.4203% | 5,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2475% | 1,437 |
| Return on assets (ROA) | 1.2475% | 1,544 |
| Pretax return on assets | 1.7849% | 912 |
| Return on Equity (ROE) | 5.7269% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.7269% | 2,279 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3114% | 5,808 |
| Assets per employee ($millions) | 7.1163% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,943 |
| Loan loss allowance to noncurrent loans | 169.1358% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 3,969 |
| Noncurrent loans to loans | 0.6506% | 3,125 |
| Net loans and leases to total assets | 57.6748% | 4,147 |
| Net loans and leases to deposits | 79.5670% | 2,993 |
| Net loans and leases to core deposits | 81.1507% | 3,347 |
| Total domestic deposits to total assets | 72.4858% | 5,640 |
| Equity capital to assets | 21.5701% | 166 |
| Core capital (leverage) ratio | 21.5853% | 142 |
| Tier 1 risk-based capital ratio | 34.0380% | 361 |
| Total risk-based capital ratio | 35.0506% | 362 |
| Memoranda: | ||
| Average total assets | $20,841,000 | 5,967 |
| Average earning assets | $18,569,670 | 5,959 |
| Average equity | $4,540,000 | 5,666 |
| Average total loans | $13,197,670 | 5,837 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5138% | 4,857 |
| Cost of funding earning assets | 0.2260% | 4,939 |
| Net interest margin | 3.2878% | 4,269 |
| Noninterest income to average assets | 0.1554% | 5,563 |
| Noninterest expense to average assets | 1.7098% | 5,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2629% | 1,365 |
| Return on assets (ROA) | 1.2629% | 1,456 |
| Pretax return on assets | 1.5544% | 1,422 |
| Return on Equity (ROE) | 5.7682% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.7682% | 2,491 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3810% | 5,490 |
| Assets per employee ($millions) | 6.8317% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 4,187 |
| Loan loss allowance to noncurrent loans | 169.1358% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 4,008 |
| Noncurrent loans to loans | 0.6366% | 3,261 |
| Net loans and leases to total assets | 61.4101% | 3,605 |
| Net loans and leases to deposits | 83.2903% | 2,392 |
| Net loans and leases to core deposits | 84.9946% | 2,843 |
| Total domestic deposits to total assets | 73.7302% | 5,634 |
| Equity capital to assets | 22.1517% | 151 |
| Core capital (leverage) ratio | 22.1886% | 134 |
| Tier 1 risk-based capital ratio | 31.7305% | 440 |
| Total risk-based capital ratio | 32.6880% | 444 |
| Memoranda: | ||
| Average total assets | $20,587,000 | 6,031 |
| Average earning assets | $19,466,000 | 6,009 |
| Average equity | $4,507,500 | 5,719 |
| Average total loans | $13,571,500 | 5,886 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4079% | 5,141 |
| Cost of funding earning assets | 0.2340% | 4,965 |
| Net interest margin | 3.1739% | 4,701 |
| Noninterest income to average assets | 0.2443% | 5,131 |
| Noninterest expense to average assets | 2.5125% | 4,189 |
| Loan and lease loss provision to assets | 0.0692% | 2,908 |
| Net operating income to assets | 0.4564% | 4,863 |
| Return on assets (ROA) | 0.4564% | 4,944 |
| Pretax return on assets | 0.6639% | 4,639 |
| Return on Equity (ROE) | 2.2254% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.2254% | 4,456 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4148% | 2,057 |
| Assets per employee ($millions) | 5.1698% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 4,870 |
| Loan loss allowance to noncurrent loans | 148.9130% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 3,832 |
| Noncurrent loans to loans | 0.6380% | 3,276 |
| Net loans and leases to total assets | 69.0701% | 2,529 |
| Net loans and leases to deposits | 96.8208% | 920 |
| Net loans and leases to core deposits | 98.8511% | 1,604 |
| Total domestic deposits to total assets | 71.3381% | 5,831 |
| Equity capital to assets | 21.6403% | 157 |
| Core capital (leverage) ratio | 20.5908% | 172 |
| Tier 1 risk-based capital ratio | 28.6455% | 572 |
| Total risk-based capital ratio | 29.5225% | 576 |
| Memoranda: | ||
| Average total assets | $21,691,400 | 6,073 |
| Average earning assets | $20,511,000 | 6,050 |
| Average equity | $4,448,600 | 5,769 |
| Average total loans | $14,561,200 | 5,904 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3463% | 5,328 |
| Cost of funding earning assets | 0.2308% | 5,083 |
| Net interest margin | 3.1155% | 4,920 |
| Noninterest income to average assets | 0.2066% | 5,410 |
| Noninterest expense to average assets | 1.8288% | 5,740 |
| Loan and lease loss provision to assets | 0.0911% | 2,348 |
| Net operating income to assets | 0.8203% | 3,334 |
| Return on assets (ROA) | 0.8203% | 3,420 |
| Pretax return on assets | 1.2395% | 2,654 |
| Return on Equity (ROE) | 4.0522% | 5,011 |
| Retained earnings to average equity (ytd only) | 4.0522% | 3,574 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8846% | 5,132 |
| Assets per employee ($millions) | 5.8813% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 5,245 |
| Loan loss allowance to noncurrent loans | 148.9130% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 4,204 |
| Noncurrent loans to loans | 0.5964% | 3,538 |
| Net loans and leases to total assets | 64.9904% | 3,159 |
| Net loans and leases to deposits | 95.1223% | 1,083 |
| Net loans and leases to core deposits | 96.9438% | 1,802 |
| Total domestic deposits to total assets | 68.3231% | 6,027 |
| Equity capital to assets | 19.1711% | 271 |
| Core capital (leverage) ratio | 20.3906% | 188 |
| Tier 1 risk-based capital ratio | 26.4377% | 735 |
| Total risk-based capital ratio | 27.2408% | 750 |
| Memoranda: | ||
| Average total assets | $21,944,500 | 6,156 |
| Average earning assets | $20,798,500 | 6,128 |
| Average equity | $4,442,000 | 5,850 |
| Average total loans | $14,596,500 | 5,980 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3977% | 5,235 |
| Cost of funding earning assets | 0.2370% | 5,084 |
| Net interest margin | 3.1606% | 4,784 |
| Noninterest income to average assets | 0.2428% | 5,222 |
| Noninterest expense to average assets | 2.0170% | 5,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8031% | 3,370 |
| Return on assets (ROA) | 0.8031% | 3,464 |
| Pretax return on assets | 1.2140% | 2,718 |
| Return on Equity (ROE) | 3.8920% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.8920% | 3,524 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4277% | 4,610 |
| Assets per employee ($millions) | 5.4978% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 5,558 |
| Loan loss allowance to noncurrent loans | 132.6087% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 4,234 |
| Noncurrent loans to loans | 0.6154% | 3,621 |
| Net loans and leases to total assets | 67.4230% | 2,727 |
| Net loans and leases to deposits | 94.7110% | 1,076 |
| Net loans and leases to core deposits | 96.5740% | 1,752 |
| Total domestic deposits to total assets | 71.1882% | 5,977 |
| Equity capital to assets | 20.2901% | 213 |
| Core capital (leverage) ratio | 20.0368% | 203 |
| Tier 1 risk-based capital ratio | 27.6593% | 667 |
| Total risk-based capital ratio | 28.4156% | 680 |
| Memoranda: | ||
| Average total assets | $21,417,670 | 6,236 |
| Average earning assets | $20,249,000 | 6,213 |
| Average equity | $4,419,330 | 5,916 |
| Average total loans | $14,320,000 | 6,052 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3715% | 5,274 |
| Cost of funding earning assets | 0.2408% | 5,120 |
| Net interest margin | 3.1306% | 4,850 |
| Noninterest income to average assets | 0.1514% | 5,833 |
| Noninterest expense to average assets | 1.8362% | 5,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8329% | 3,099 |
| Return on assets (ROA) | 0.8329% | 3,228 |
| Pretax return on assets | 1.2683% | 2,392 |
| Return on Equity (ROE) | 4.0018% | 4,983 |
| Retained earnings to average equity (ytd only) | 4.0018% | 3,601 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1463% | 5,207 |
| Assets per employee ($millions) | 5.2945% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 5,419 |
| Loan loss allowance to noncurrent loans | 132.6087% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 4,298 |
| Noncurrent loans to loans | 0.6847% | 3,567 |
| Net loans and leases to total assets | 62.8671% | 3,251 |
| Net loans and leases to deposits | 86.2306% | 1,801 |
| Net loans and leases to core deposits | 87.9509% | 2,338 |
| Total domestic deposits to total assets | 72.9058% | 5,982 |
| Equity capital to assets | 20.8707% | 189 |
| Core capital (leverage) ratio | 20.4990% | 188 |
| Tier 1 risk-based capital ratio | 29.5099% | 566 |
| Total risk-based capital ratio | 30.3245% | 580 |
| Memoranda: | ||
| Average total assets | $21,131,000 | 6,307 |
| Average earning assets | $19,932,000 | 6,282 |
| Average equity | $4,398,000 | 5,972 |
| Average total loans | $14,005,500 | 6,113 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3833% | 5,564 |
| Cost of funding earning assets | 0.2413% | 5,412 |
| Net interest margin | 3.1420% | 5,090 |
| Noninterest income to average assets | 0.2562% | 5,302 |
| Noninterest expense to average assets | 2.5197% | 4,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3893% | 5,253 |
| Return on assets (ROA) | 0.4318% | 5,190 |
| Pretax return on assets | 0.7687% | 4,371 |
| Return on Equity (ROE) | 2.0894% | 5,743 |
| Retained earnings to average equity (ytd only) | 2.0894% | 4,734 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2032% | 2,184 |
| Assets per employee ($millions) | 5.2710% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8370% | 5,670 |
| Loan loss allowance to noncurrent loans | 132.6087% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 4,366 |
| Noncurrent loans to loans | 0.6312% | 3,795 |
| Net loans and leases to total assets | 68.5496% | 2,484 |
| Net loans and leases to deposits | 95.6329% | 932 |
| Net loans and leases to core deposits | 97.5829% | 1,586 |
| Total domestic deposits to total assets | 71.6799% | 6,104 |
| Equity capital to assets | 20.7551% | 193 |
| Core capital (leverage) ratio | 20.5649% | 188 |
| Tier 1 risk-based capital ratio | 27.5324% | 642 |
| Total risk-based capital ratio | 28.3000% | 661 |
| Memoranda: | ||
| Average total assets | $21,074,200 | 6,394 |
| Average earning assets | $19,891,600 | 6,369 |
| Average equity | $4,355,400 | 6,022 |
| Average total loans | $13,813,800 | 6,199 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3014% | 5,769 |
| Cost of funding earning assets | 0.2406% | 5,503 |
| Net interest margin | 3.0608% | 5,356 |
| Noninterest income to average assets | 0.2278% | 5,565 |
| Noninterest expense to average assets | 1.8476% | 6,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8228% | 3,325 |
| Return on assets (ROA) | 0.8795% | 3,120 |
| Pretax return on assets | 1.3667% | 2,131 |
| Return on Equity (ROE) | 4.2602% | 5,054 |
| Retained earnings to average equity (ytd only) | 4.2602% | 3,620 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1093% | 5,301 |
| Assets per employee ($millions) | 5.4740% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 5,798 |
| Loan loss allowance to noncurrent loans | 132.6087% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 4,658 |
| Noncurrent loans to loans | 0.6254% | 4,049 |
| Net loans and leases to total assets | 66.6286% | 2,749 |
| Net loans and leases to deposits | 96.6799% | 829 |
| Net loans and leases to core deposits | 98.6476% | 1,476 |
| Total domestic deposits to total assets | 68.9167% | 6,317 |
| Equity capital to assets | 20.2046% | 221 |
| Core capital (leverage) ratio | 20.3430% | 202 |
| Tier 1 risk-based capital ratio | 27.4340% | 681 |
| Total risk-based capital ratio | 28.1905% | 696 |
| Memoranda: | ||
| Average total assets | $21,071,750 | 6,470 |
| Average earning assets | $19,950,750 | 6,447 |
| Average equity | $4,350,250 | 6,080 |
| Average total loans | $13,623,500 | 6,276 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3188% | 5,766 |
| Cost of funding earning assets | 0.2334% | 5,638 |
| Net interest margin | 3.0854% | 5,299 |
| Noninterest income to average assets | 0.2500% | 5,411 |
| Noninterest expense to average assets | 2.0388% | 5,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6639% | 4,023 |
| Return on assets (ROA) | 0.7501% | 3,675 |
| Pretax return on assets | 1.2694% | 2,371 |
| Return on Equity (ROE) | 3.6064% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.6064% | 3,897 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2424% | 4,657 |
| Assets per employee ($millions) | 5.5620% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 5,673 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 4,770 |
| Noncurrent loans to loans | 0.6918% | 3,987 |
| Net loans and leases to total assets | 59.2233% | 3,830 |
| Net loans and leases to deposits | 80.5330% | 2,447 |
| Net loans and leases to core deposits | 82.0423% | 2,968 |
| Total domestic deposits to total assets | 73.5392% | 6,151 |
| Equity capital to assets | 19.6108% | 234 |
| Core capital (leverage) ratio | 20.8936% | 168 |
| Tier 1 risk-based capital ratio | 29.0344% | 576 |
| Total risk-based capital ratio | 29.8463% | 595 |
| Memoranda: | ||
| Average total assets | $20,797,000 | 6,537 |
| Average earning assets | $19,705,670 | 6,512 |
| Average equity | $4,325,670 | 6,132 |
| Average total loans | $13,261,000 | 6,348 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4787% | 5,486 |
| Cost of funding earning assets | 0.2333% | 5,724 |
| Net interest margin | 3.2454% | 4,753 |
| Noninterest income to average assets | 0.1993% | 5,763 |
| Noninterest expense to average assets | 1.8534% | 6,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8769% | 2,762 |
| Return on assets (ROA) | 0.8769% | 2,828 |
| Pretax return on assets | 1.3950% | 1,761 |
| Return on Equity (ROE) | 4.0864% | 4,991 |
| Retained earnings to average equity (ytd only) | 4.0864% | 3,664 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0552% | 5,750 |
| Assets per employee ($millions) | 5.2705% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 5,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 60.6774% | 3,447 |
| Net loans and leases to deposits | 81.8636% | 2,057 |
| Net loans and leases to core deposits | 83.4660% | 2,578 |
| Total domestic deposits to total assets | 74.1201% | 6,234 |
| Equity capital to assets | 20.5341% | 193 |
| Core capital (leverage) ratio | 21.2414% | 156 |
| Tier 1 risk-based capital ratio | 30.5634% | 508 |
| Total risk-based capital ratio | 31.4247% | 515 |
| Memoranda: | ||
| Average total assets | $20,071,500 | 6,622 |
| Average earning assets | $18,857,500 | 6,595 |
| Average equity | $4,307,000 | 6,183 |
| Average total loans | $13,242,500 | 6,412 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4582% | 5,715 |
| Cost of funding earning assets | 0.2069% | 6,248 |
| Net interest margin | 3.2513% | 4,833 |
| Noninterest income to average assets | 0.2871% | 5,307 |
| Noninterest expense to average assets | 2.5328% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5025% | 4,726 |
| Return on assets (ROA) | 0.5025% | 4,857 |
| Pretax return on assets | 0.8152% | 4,091 |
| Return on Equity (ROE) | 2.3005% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.3005% | 4,613 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6508% | 2,835 |
| Assets per employee ($millions) | 4.7653% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 5,934 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 4,794 |
| Noncurrent loans to loans | 0.6779% | 4,281 |
| Net loans and leases to total assets | 70.5577% | 1,926 |
| Net loans and leases to deposits | 100.0149% | 483 |
| Net loans and leases to core deposits | 102.2971% | 1,003 |
| Total domestic deposits to total assets | 70.5472% | 6,498 |
| Equity capital to assets | 22.4805% | 133 |
| Core capital (leverage) ratio | 22.4557% | 127 |
| Tier 1 risk-based capital ratio | 30.3965% | 485 |
| Total risk-based capital ratio | 31.2620% | 495 |
| Memoranda: | ||
| Average total assets | $19,504,000 | 6,709 |
| Average earning assets | $18,362,000 | 6,678 |
| Average equity | $4,260,000 | 6,272 |
| Average total loans | $12,952,400 | 6,489 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3701% | 5,944 |
| Cost of funding earning assets | 0.2098% | 6,357 |
| Net interest margin | 3.1604% | 5,113 |
| Noninterest income to average assets | 0.2719% | 5,503 |
| Noninterest expense to average assets | 1.8081% | 6,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9381% | 2,647 |
| Return on assets (ROA) | 0.9381% | 2,759 |
| Pretax return on assets | 1.4343% | 1,820 |
| Return on Equity (ROE) | 4.3256% | 5,061 |
| Retained earnings to average equity (ytd only) | 4.3256% | 3,595 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7652% | 5,935 |
| Assets per employee ($millions) | 5.1185% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 6,282 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 5,084 |
| Noncurrent loans to loans | 0.6045% | 4,685 |
| Net loans and leases to total assets | 73.7423% | 1,324 |
| Net loans and leases to deposits | 116.8847% | 90 |
| Net loans and leases to core deposits | 119.6545% | 331 |
| Total domestic deposits to total assets | 63.0898% | 6,766 |
| Equity capital to assets | 21.1244% | 169 |
| Core capital (leverage) ratio | 21.7523% | 141 |
| Tier 1 risk-based capital ratio | 27.5355% | 662 |
| Total risk-based capital ratio | 28.3122% | 686 |
| Memoranda: | ||
| Average total assets | $19,614,750 | 6,782 |
| Average earning assets | $18,436,000 | 6,752 |
| Average equity | $4,253,750 | 6,347 |
| Average total loans | $12,797,750 | 6,560 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3128% | 6,064 |
| Cost of funding earning assets | 0.2216% | 6,359 |
| Net interest margin | 3.0912% | 5,293 |
| Noninterest income to average assets | 0.2897% | 5,382 |
| Noninterest expense to average assets | 1.9350% | 6,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9313% | 2,657 |
| Return on assets (ROA) | 0.9313% | 2,789 |
| Pretax return on assets | 1.2417% | 2,509 |
| Return on Equity (ROE) | 4.2553% | 5,110 |
| Retained earnings to average equity (ytd only) | 4.2553% | 3,587 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9121% | 5,349 |
| Assets per employee ($millions) | 4.7753% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 5,820 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 5,066 |
| Noncurrent loans to loans | 0.7546% | 4,417 |
| Net loans and leases to total assets | 63.1904% | 3,062 |
| Net loans and leases to deposits | 88.5352% | 1,280 |
| Net loans and leases to core deposits | 90.5205% | 1,863 |
| Total domestic deposits to total assets | 71.3732% | 6,596 |
| Equity capital to assets | 22.3915% | 127 |
| Core capital (leverage) ratio | 22.6380% | 115 |
| Tier 1 risk-based capital ratio | 32.6215% | 419 |
| Total risk-based capital ratio | 33.5520% | 425 |
| Memoranda: | ||
| Average total assets | $19,328,330 | 6,836 |
| Average earning assets | $18,051,330 | 6,805 |
| Average equity | $4,230,000 | 6,400 |
| Average total loans | $11,990,330 | 6,630 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2606% | 6,224 |
| Cost of funding earning assets | 0.2218% | 6,463 |
| Net interest margin | 3.0388% | 5,466 |
| Noninterest income to average assets | 0.2057% | 6,008 |
| Noninterest expense to average assets | 1.7694% | 6,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8024% | 3,152 |
| Return on assets (ROA) | 0.8024% | 3,283 |
| Pretax return on assets | 1.2550% | 2,395 |
| Return on Equity (ROE) | 3.7085% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.7085% | 4,006 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5034% | 5,782 |
| Assets per employee ($millions) | 4.7828% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 5,457 |
| Loan loss allowance to noncurrent loans | 134.0659% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 5,190 |
| Noncurrent loans to loans | 0.8479% | 4,424 |
| Net loans and leases to total assets | 55.4650% | 4,174 |
| Net loans and leases to deposits | 75.9284% | 2,648 |
| Net loans and leases to core deposits | 77.5828% | 3,126 |
| Total domestic deposits to total assets | 73.0490% | 6,595 |
| Equity capital to assets | 22.0898% | 149 |
| Core capital (leverage) ratio | 21.7790% | 142 |
| Tier 1 risk-based capital ratio | 34.7390% | 355 |
| Total risk-based capital ratio | 35.7419% | 357 |
| Memoranda: | ||
| Average total assets | $19,442,000 | 6,908 |
| Average earning assets | $18,033,500 | 6,881 |
| Average equity | $4,206,500 | 6,465 |
| Average total loans | $11,889,500 | 6,701 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5752% | 6,261 |
| Cost of funding earning assets | 0.2836% | 6,532 |
| Net interest margin | 3.2916% | 5,268 |
| Noninterest income to average assets | 0.2933% | 5,370 |
| Noninterest expense to average assets | 2.6501% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4271% | 4,979 |
| Return on assets (ROA) | 0.4271% | 5,232 |
| Pretax return on assets | 0.6895% | 4,702 |
| Return on Equity (ROE) | 1.9149% | 5,927 |
| Retained earnings to average equity (ytd only) | -2.6993% | 6,237 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3529% | 2,230 |
| Assets per employee ($millions) | 4.9383% | 2,306 |
| Cash dividends to net income (ytd only)* | 240.9639% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 6,179 |
| Loan loss allowance to noncurrent loans | 134.0659% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 5,326 |
| Noncurrent loans to loans | 0.6975% | 4,799 |
| Net loans and leases to total assets | 65.4280% | 2,628 |
| Net loans and leases to deposits | 97.8424% | 517 |
| Net loans and leases to core deposits | 100.1007% | 1,018 |
| Total domestic deposits to total assets | 66.8709% | 6,882 |
| Equity capital to assets | 21.1968% | 178 |
| Core capital (leverage) ratio | 20.5871% | 175 |
| Tier 1 risk-based capital ratio | 30.2354% | 510 |
| Total risk-based capital ratio | 31.1164% | 513 |
| Memoranda: | ||
| Average total assets | $19,433,200 | 6,964 |
| Average earning assets | $17,985,000 | 6,937 |
| Average equity | $4,334,400 | 6,481 |
| Average total loans | $12,879,800 | 6,745 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6149% | 6,373 |
| Cost of funding earning assets | 0.2969% | 6,632 |
| Net interest margin | 3.3180% | 5,319 |
| Noninterest income to average assets | 0.2618% | 5,688 |
| Noninterest expense to average assets | 1.9634% | 6,418 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9576% | 2,714 |
| Return on assets (ROA) | 0.9576% | 2,934 |
| Pretax return on assets | 1.3779% | 2,312 |
| Return on Equity (ROE) | 4.2397% | 5,175 |
| Retained earnings to average equity (ytd only) | 4.2397% | 3,909 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7629% | 5,688 |
| Assets per employee ($millions) | 5.0760% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 6,375 |
| Loan loss allowance to noncurrent loans | 134.0659% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 5,542 |
| Noncurrent loans to loans | 0.6717% | 5,102 |
| Net loans and leases to total assets | 66.1249% | 2,627 |
| Net loans and leases to deposits | 100.8867% | 401 |
| Net loans and leases to core deposits | 103.1896% | 919 |
| Total domestic deposits to total assets | 65.5437% | 6,987 |
| Equity capital to assets | 21.8824% | 173 |
| Core capital (leverage) ratio | 22.7263% | 127 |
| Tier 1 risk-based capital ratio | 30.9057% | 487 |
| Total risk-based capital ratio | 31.7543% | 493 |
| Memoranda: | ||
| Average total assets | $19,353,250 | 7,061 |
| Average earning assets | $17,962,250 | 7,031 |
| Average equity | $4,371,250 | 6,552 |
| Average total loans | $12,838,250 | 6,833 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5433% | 6,554 |
| Cost of funding earning assets | 0.2990% | 6,748 |
| Net interest margin | 3.2443% | 5,611 |
| Noninterest income to average assets | 0.3047% | 5,372 |
| Noninterest expense to average assets | 2.1328% | 6,173 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8300% | 3,243 |
| Return on assets (ROA) | 0.8300% | 3,508 |
| Pretax return on assets | 1.2502% | 2,726 |
| Return on Equity (ROE) | 3.6344% | 5,427 |
| Retained earnings to average equity (ytd only) | 3.6344% | 4,178 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0435% | 5,072 |
| Assets per employee ($millions) | 5.1565% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 6,617 |
| Loan loss allowance to noncurrent loans | 134.0659% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 5,678 |
| Noncurrent loans to loans | 0.6175% | 5,278 |
| Net loans and leases to total assets | 70.8572% | 1,767 |
| Net loans and leases to deposits | 114.4300% | 97 |
| Net loans and leases to core deposits | 117.1543% | 364 |
| Total domestic deposits to total assets | 61.9218% | 7,110 |
| Equity capital to assets | 21.2547% | 192 |
| Core capital (leverage) ratio | 21.8207% | 141 |
| Tier 1 risk-based capital ratio | 28.4288% | 617 |
| Total risk-based capital ratio | 29.2199% | 627 |
| Memoranda: | ||
| Average total assets | $19,036,330 | 7,123 |
| Average earning assets | $18,062,330 | 7,088 |
| Average equity | $4,347,330 | 6,589 |
| Average total loans | $12,601,670 | 6,898 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 6,516 |
| Cost of funding earning assets | 0.3251% | 6,751 |
| Net interest margin | 3.3205% | 5,404 |
| Noninterest income to average assets | 0.2193% | 6,043 |
| Noninterest expense to average assets | 2.0393% | 6,391 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0964% | 2,100 |
| Return on assets (ROA) | 1.0964% | 2,295 |
| Pretax return on assets | 1.3157% | 2,489 |
| Return on Equity (ROE) | 4.6200% | 4,975 |
| Retained earnings to average equity (ytd only) | 4.6200% | 3,801 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7843% | 5,494 |
| Assets per employee ($millions) | 4.6053% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 5,763 |
| Loan loss allowance to noncurrent loans | 134.0659% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 5,625 |
| Noncurrent loans to loans | 0.8490% | 4,979 |
| Net loans and leases to total assets | 57.5267% | 4,127 |
| Net loans and leases to deposits | 83.6914% | 1,703 |
| Net loans and leases to core deposits | 85.6946% | 2,326 |
| Total domestic deposits to total assets | 68.7368% | 7,030 |
| Equity capital to assets | 23.6361% | 115 |
| Core capital (leverage) ratio | 23.9362% | 107 |
| Tier 1 risk-based capital ratio | 36.9139% | 290 |
| Total risk-based capital ratio | 37.9483% | 289 |
| Memoranda: | ||
| Average total assets | $18,241,500 | 7,199 |
| Average earning assets | $17,226,500 | 7,168 |
| Average equity | $4,329,000 | 6,627 |
| Average total loans | $11,534,000 | 7,003 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 6,633 |
| Cost of funding earning assets | 0.3608% | 6,984 |
| Net interest margin | 3.5235% | 5,054 |
| Noninterest income to average assets | 0.3833% | 4,760 |
| Noninterest expense to average assets | 2.7312% | 4,615 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6282% | 3,839 |
| Return on assets (ROA) | 0.6282% | 4,040 |
| Pretax return on assets | 0.9796% | 3,320 |
| Return on Equity (ROE) | 2.7636% | 5,379 |
| Retained earnings to average equity (ytd only) | 2.7636% | 4,266 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6011% | 3,290 |
| Assets per employee ($millions) | 4.5155% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 6,279 |
| Loan loss allowance to noncurrent loans | 134.0659% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 5,709 |
| Noncurrent loans to loans | 0.7369% | 5,224 |
| Net loans and leases to total assets | 67.6946% | 2,457 |
| Net loans and leases to deposits | 104.9258% | 279 |
| Net loans and leases to core deposits | 107.6605% | 721 |
| Total domestic deposits to total assets | 64.5167% | 7,165 |
| Equity capital to assets | 23.8290% | 116 |
| Core capital (leverage) ratio | 23.0691% | 122 |
| Tier 1 risk-based capital ratio | 33.5595% | 375 |
| Total risk-based capital ratio | 34.5107% | 377 |
| Memoranda: | ||
| Average total assets | $18,783,200 | 7,226 |
| Average earning assets | $17,738,200 | 7,188 |
| Average equity | $4,269,800 | 6,665 |
| Average total loans | $13,154,200 | 6,983 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8523% | 6,785 |
| Cost of funding earning assets | 0.3712% | 7,085 |
| Net interest margin | 3.4812% | 5,263 |
| Noninterest income to average assets | 0.3234% | 5,284 |
| Noninterest expense to average assets | 2.0038% | 6,681 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1039% | 1,951 |
| Return on assets (ROA) | 1.1039% | 2,095 |
| Pretax return on assets | 1.6171% | 1,340 |
| Return on Equity (ROE) | 4.9124% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.9124% | 3,235 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3398% | 6,357 |
| Assets per employee ($millions) | 4.8985% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8113% | 6,800 |
| Loan loss allowance to noncurrent loans | 134.0659% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 5,929 |
| Noncurrent loans to loans | 0.6052% | 5,676 |
| Net loans and leases to total assets | 76.1202% | 961 |
| Net loans and leases to deposits | 122.9089% | 75 |
| Net loans and leases to core deposits | 125.9606% | 291 |
| Total domestic deposits to total assets | 61.9322% | 7,276 |
| Equity capital to assets | 22.1649% | 168 |
| Core capital (leverage) ratio | 21.9943% | 151 |
| Tier 1 risk-based capital ratio | 29.3050% | 584 |
| Total risk-based capital ratio | 30.1282% | 588 |
| Memoranda: | ||
| Average total assets | $18,963,500 | 7,298 |
| Average earning assets | $17,963,000 | 7,258 |
| Average equity | $4,261,250 | 6,721 |
| Average total loans | $13,355,500 | 7,047 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6497% | 7,061 |
| Cost of funding earning assets | 0.3683% | 7,192 |
| Net interest margin | 3.2814% | 5,914 |
| Noninterest income to average assets | 0.2453% | 5,890 |
| Noninterest expense to average assets | 2.0476% | 6,696 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9918% | 2,262 |
| Return on assets (ROA) | 0.9918% | 2,362 |
| Pretax return on assets | 1.3331% | 2,026 |
| Return on Equity (ROE) | 4.3930% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.3930% | 3,395 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5678% | 5,786 |
| Assets per employee ($millions) | 4.8910% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8689% | 6,732 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 5,977 |
| Noncurrent loans to loans | 0.6552% | 5,609 |
| Net loans and leases to total assets | 71.1460% | 1,967 |
| Net loans and leases to deposits | 113.8010% | 129 |
| Net loans and leases to core deposits | 116.6038% | 502 |
| Total domestic deposits to total assets | 62.5179% | 7,342 |
| Equity capital to assets | 21.8718% | 181 |
| Core capital (leverage) ratio | 22.2020% | 152 |
| Tier 1 risk-based capital ratio | 29.8521% | 543 |
| Total risk-based capital ratio | 30.7032% | 549 |
| Memoranda: | ||
| Average total assets | $18,753,330 | 7,373 |
| Average earning assets | $17,919,330 | 7,331 |
| Average equity | $4,234,000 | 6,768 |
| Average total loans | $12,795,000 | 7,134 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5683% | 7,162 |
| Cost of funding earning assets | 0.3864% | 7,249 |
| Net interest margin | 3.1819% | 6,126 |
| Noninterest income to average assets | 0.2398% | 5,987 |
| Noninterest expense to average assets | 1.9621% | 6,890 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1118% | 1,801 |
| Return on assets (ROA) | 1.1118% | 1,855 |
| Pretax return on assets | 1.3298% | 1,943 |
| Return on Equity (ROE) | 4.8439% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.8439% | 3,284 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6026% | 6,042 |
| Assets per employee ($millions) | 4.6800% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 6,491 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 5,999 |
| Noncurrent loans to loans | 0.7317% | 5,547 |
| Net loans and leases to total assets | 66.5118% | 2,880 |
| Net loans and leases to deposits | 107.3177% | 227 |
| Net loans and leases to core deposits | 110.0982% | 714 |
| Total domestic deposits to total assets | 61.9765% | 7,406 |
| Equity capital to assets | 22.6335% | 154 |
| Core capital (leverage) ratio | 22.6638% | 148 |
| Tier 1 risk-based capital ratio | 32.2132% | 429 |
| Total risk-based capital ratio | 33.1407% | 434 |
| Memoranda: | ||
| Average total assets | $18,348,000 | 7,439 |
| Average earning assets | $17,599,500 | 7,393 |
| Average equity | $4,211,500 | 6,806 |
| Average total loans | $12,172,000 | 7,221 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6877% | 5,841 |
| Cost of funding earning assets | 0.6797% | 6,931 |
| Net interest margin | 4.0081% | 2,990 |
| Noninterest income to average assets | 0.4686% | 4,389 |
| Noninterest expense to average assets | 3.0699% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7930% | 2,837 |
| Return on assets (ROA) | 0.7930% | 2,971 |
| Pretax return on assets | 1.1895% | 2,261 |
| Return on Equity (ROE) | 3.1867% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.1867% | 3,636 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0733% | 3,779 |
| Assets per employee ($millions) | 4.4940% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 6,207 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 6,001 |
| Noncurrent loans to loans | 0.7816% | 5,476 |
| Net loans and leases to total assets | 64.8031% | 3,710 |
| Net loans and leases to deposits | 99.0140% | 643 |
| Net loans and leases to core deposits | 101.5429% | 1,488 |
| Total domestic deposits to total assets | 65.4484% | 7,404 |
| Equity capital to assets | 23.2866% | 155 |
| Core capital (leverage) ratio | 23.4169% | 146 |
| Tier 1 risk-based capital ratio | 34.2581% | 363 |
| Total risk-based capital ratio | 35.2566% | 363 |
| Memoranda: | ||
| Average total assets | $16,645,400 | 7,541 |
| Average earning assets | $15,743,200 | 7,503 |
| Average equity | $4,142,200 | 6,944 |
| Average total loans | $11,767,600 | 7,316 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9002% | 5,268 |
| Cost of funding earning assets | 0.7459% | 6,929 |
| Net interest margin | 4.1544% | 2,389 |
| Noninterest income to average assets | 0.4169% | 4,822 |
| Noninterest expense to average assets | 2.3049% | 6,311 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1688% | 1,678 |
| Return on assets (ROA) | 1.1688% | 1,774 |
| Pretax return on assets | 2.0270% | 589 |
| Return on Equity (ROE) | 4.6151% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.6151% | 3,249 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2075% | 6,868 |
| Assets per employee ($millions) | 4.4518% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 6,776 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 6,134 |
| Noncurrent loans to loans | 0.6711% | 5,857 |
| Net loans and leases to total assets | 76.2958% | 1,350 |
| Net loans and leases to deposits | 118.3140% | 131 |
| Net loans and leases to core deposits | 121.4011% | 572 |
| Total domestic deposits to total assets | 64.4859% | 7,508 |
| Equity capital to assets | 23.5694% | 153 |
| Core capital (leverage) ratio | 23.9582% | 139 |
| Tier 1 risk-based capital ratio | 30.9376% | 479 |
| Total risk-based capital ratio | 31.8369% | 479 |
| Memoranda: | ||
| Average total assets | $16,312,750 | 7,640 |
| Average earning assets | $15,373,000 | 7,609 |
| Average equity | $4,131,250 | 7,038 |
| Average total loans | $11,766,750 | 7,414 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 5,149 |
| Cost of funding earning assets | 0.7925% | 6,940 |
| Net interest margin | 4.1641% | 2,279 |
| Noninterest income to average assets | 0.4553% | 4,470 |
| Noninterest expense to average assets | 2.4661% | 5,858 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3785% | 1,129 |
| Return on assets (ROA) | 1.3785% | 1,200 |
| Pretax return on assets | 1.9096% | 725 |
| Return on Equity (ROE) | 5.3050% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.3050% | 2,723 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3584% | 6,592 |
| Assets per employee ($millions) | 4.2823% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 6,558 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 6,127 |
| Noncurrent loans to loans | 0.7257% | 5,805 |
| Net loans and leases to total assets | 73.3026% | 2,082 |
| Net loans and leases to deposits | 112.1272% | 232 |
| Net loans and leases to core deposits | 115.0976% | 878 |
| Total domestic deposits to total assets | 65.3745% | 7,553 |
| Equity capital to assets | 24.3038% | 145 |
| Core capital (leverage) ratio | 24.3735% | 134 |
| Tier 1 risk-based capital ratio | 32.4120% | 411 |
| Total risk-based capital ratio | 33.3619% | 412 |
| Memoranda: | ||
| Average total assets | $15,814,670 | 7,716 |
| Average earning assets | $14,889,330 | 7,690 |
| Average equity | $4,109,330 | 7,074 |
| Average total loans | $11,119,670 | 7,496 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1963% | 4,039 |
| Cost of funding earning assets | 0.8472% | 6,949 |
| Net interest margin | 4.3491% | 1,538 |
| Noninterest income to average assets | 0.3695% | 5,189 |
| Noninterest expense to average assets | 2.5862% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5042% | 886 |
| Return on assets (ROA) | 1.5042% | 954 |
| Pretax return on assets | 1.8473% | 810 |
| Return on Equity (ROE) | 5.5848% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.5848% | 2,820 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3333% | 6,433 |
| Assets per employee ($millions) | 3.7540% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 5,610 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 5,988 |
| Noncurrent loans to loans | 0.8889% | 5,543 |
| Net loans and leases to total assets | 68.1140% | 3,358 |
| Net loans and leases to deposits | 94.5199% | 1,290 |
| Net loans and leases to core deposits | 94.5199% | 2,765 |
| Total domestic deposits to total assets | 72.0631% | 7,260 |
| Equity capital to assets | 27.3775% | 112 |
| Core capital (leverage) ratio | 27.3011% | 101 |
| Tier 1 risk-based capital ratio | 38.6263% | 273 |
| Total risk-based capital ratio | 39.7726% | 268 |
| Memoranda: | ||
| Average total assets | $15,157,500 | 7,827 |
| Average earning assets | $14,164,000 | 7,800 |
| Average equity | $4,082,500 | 7,151 |
| Average total loans | $10,340,500 | 7,636 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6717% | 3,244 |
| Cost of funding earning assets | 1.2118% | 6,617 |
| Net interest margin | 4.4599% | 1,268 |
| Noninterest income to average assets | 0.6856% | 3,054 |
| Noninterest expense to average assets | 3.3083% | 2,990 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9718% | 1,935 |
| Return on assets (ROA) | 0.9718% | 1,989 |
| Pretax return on assets | 1.5177% | 1,140 |
| Return on Equity (ROE) | 3.6473% | 4,233 |
| Retained earnings to average equity (ytd only) | 3.6473% | 2,635 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5517% | 4,910 |
| Assets per employee ($millions) | 3.8248% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 5,468 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 5,956 |
| Noncurrent loans to loans | 0.8905% | 5,525 |
| Net loans and leases to total assets | 66.7299% | 3,979 |
| Net loans and leases to deposits | 91.5031% | 1,962 |
| Net loans and leases to core deposits | 120.4744% | 1,914 |
| Total domestic deposits to total assets | 72.9263% | 7,163 |
| Equity capital to assets | 26.4985% | 133 |
| Core capital (leverage) ratio | 26.9351% | 132 |
| Tier 1 risk-based capital ratio | 37.6346% | 293 |
| Total risk-based capital ratio | 38.7672% | 284 |
| Memoranda: | ||
| Average total assets | $15,023,000 | 7,893 |
| Average earning assets | $13,946,400 | 7,870 |
| Average equity | $4,003,000 | 7,292 |
| Average total loans | $10,602,400 | 7,676 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7343% | 3,169 |
| Cost of funding earning assets | 1.3107% | 6,525 |
| Net interest margin | 4.4236% | 1,384 |
| Noninterest income to average assets | 0.4815% | 4,657 |
| Noninterest expense to average assets | 2.4341% | 6,295 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4533% | 909 |
| Return on assets (ROA) | 1.4533% | 969 |
| Pretax return on assets | 2.1398% | 409 |
| Return on Equity (ROE) | 5.4465% | 3,762 |
| Retained earnings to average equity (ytd only) | 5.4465% | 2,231 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2164% | 7,316 |
| Assets per employee ($millions) | 3.6993% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 6,194 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 5,894 |
| Noncurrent loans to loans | 0.7648% | 5,773 |
| Net loans and leases to total assets | 80.4758% | 1,091 |
| Net loans and leases to deposits | 112.2126% | 381 |
| Net loans and leases to core deposits | 156.3756% | 454 |
| Total domestic deposits to total assets | 71.7172% | 7,245 |
| Equity capital to assets | 27.5123% | 141 |
| Core capital (leverage) ratio | 26.9157% | 152 |
| Tier 1 risk-based capital ratio | 35.4062% | 372 |
| Total risk-based capital ratio | 36.4672% | 374 |
| Memoranda: | ||
| Average total assets | $14,954,000 | 7,975 |
| Average earning assets | $13,834,500 | 7,956 |
| Average equity | $3,990,250 | 7,364 |
| Average total loans | $10,670,250 | 7,747 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5682% | 4,226 |
| Cost of funding earning assets | 1.3848% | 6,532 |
| Net interest margin | 4.1834% | 2,053 |
| Noninterest income to average assets | 0.4931% | 4,500 |
| Noninterest expense to average assets | 2.3990% | 6,462 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4127% | 1,000 |
| Return on assets (ROA) | 1.4127% | 1,064 |
| Pretax return on assets | 1.9592% | 617 |
| Return on Equity (ROE) | 5.3490% | 3,936 |
| Retained earnings to average equity (ytd only) | 5.3490% | 2,320 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0459% | 7,225 |
| Assets per employee ($millions) | 3.7918% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,319 |
| Loan loss allowance to noncurrent loans | 131.1828% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 5,886 |
| Noncurrent loans to loans | 0.8709% | 5,476 |
| Net loans and leases to total assets | 69.5985% | 3,795 |
| Net loans and leases to deposits | 95.5121% | 1,868 |
| Net loans and leases to core deposits | 134.1978% | 1,306 |
| Total domestic deposits to total assets | 72.8687% | 7,127 |
| Equity capital to assets | 26.4654% | 179 |
| Core capital (leverage) ratio | 26.3317% | 182 |
| Tier 1 risk-based capital ratio | 36.3554% | 386 |
| Total risk-based capital ratio | 37.4604% | 384 |
| Memoranda: | ||
| Average total assets | $15,006,330 | 8,063 |
| Average earning assets | $13,864,330 | 8,042 |
| Average equity | $3,963,330 | 7,431 |
| Average total loans | $10,217,000 | 7,849 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7029% | 3,789 |
| Cost of funding earning assets | 1.4479% | 6,583 |
| Net interest margin | 4.2550% | 1,726 |
| Noninterest income to average assets | 0.3484% | 5,659 |
| Noninterest expense to average assets | 2.2243% | 6,787 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6079% | 776 |
| Return on assets (ROA) | 1.6079% | 848 |
| Pretax return on assets | 1.9831% | 683 |
| Return on Equity (ROE) | 6.0945% | 4,002 |
| Retained earnings to average equity (ytd only) | 6.0945% | 2,585 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8662% | 7,333 |
| Assets per employee ($millions) | 3.7350% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 4,701 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 5,647 |
| Noncurrent loans to loans | 0.9158% | 5,170 |
| Net loans and leases to total assets | 66.4257% | 4,484 |
| Net loans and leases to deposits | 91.3308% | 2,723 |
| Net loans and leases to core deposits | 130.6993% | 1,616 |
| Total domestic deposits to total assets | 72.7309% | 7,096 |
| Equity capital to assets | 26.5596% | 191 |
| Core capital (leverage) ratio | 26.2781% | 199 |
| Tier 1 risk-based capital ratio | 38.2605% | 354 |
| Total risk-based capital ratio | 39.4369% | 348 |
| Memoranda: | ||
| Average total assets | $14,926,000 | 8,118 |
| Average earning assets | $13,537,000 | 8,104 |
| Average equity | $3,938,000 | 7,482 |
| Average total loans | $9,986,500 | 7,909 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7085% | 1,997 |
| Cost of funding earning assets | 1.9370% | 6,621 |
| Net interest margin | 4.7715% | 831 |
| Noninterest income to average assets | 0.5468% | 4,255 |
| Noninterest expense to average assets | 3.1321% | 3,577 |
| Loan and lease loss provision to assets | 0.1013% | 6,088 |
| Net operating income to assets | 1.0395% | 2,404 |
| Return on assets (ROA) | 1.0395% | 2,289 |
| Pretax return on assets | 1.6200% | 1,332 |
| Return on Equity (ROE) | 3.9666% | 4,837 |
| Retained earnings to average equity (ytd only) | 1.3909% | 4,382 |
| Net charge-offs to loans | 0.1499% | 4,706 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,800 |
| Efficiency ratio | 64.5341% | 5,443 |
| Assets per employee ($millions) | 3.7280% | 4,111 |
| Cash dividends to net income (ytd only)* | 64.9351% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 4,320 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 5,352 |
| Noncurrent loans to loans | 0.9268% | 4,766 |
| Net loans and leases to total assets | 65.7524% | 4,905 |
| Net loans and leases to deposits | 89.9706% | 3,462 |
| Net loans and leases to core deposits | 126.7287% | 2,109 |
| Total domestic deposits to total assets | 73.0821% | 6,815 |
| Equity capital to assets | 26.2071% | 241 |
| Core capital (leverage) ratio | 25.4080% | 255 |
| Tier 1 risk-based capital ratio | 37.8939% | 373 |
| Total risk-based capital ratio | 39.0769% | 368 |
| Memoranda: | ||
| Average total assets | $14,814,400 | 8,168 |
| Average earning assets | $13,371,000 | 8,160 |
| Average equity | $3,882,400 | 7,556 |
| Average total loans | $10,003,600 | 7,940 |