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 | 2.9075% | 5,729 |
| Cost of funding earning assets | 0.1322% | 5,674 |
| Net interest margin | 2.7753% | 5,464 |
| Noninterest income to average assets | 0.2828% | 4,762 |
| Noninterest expense to average assets | 1.1641% | 5,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5455% | 814 |
| Return on assets (ROA) | 1.5455% | 858 |
| Pretax return on assets | 1.6047% | 1,363 |
| Return on Equity (ROE) | 16.0118% | 543 |
| Retained earnings to average equity (ytd only) | -63.0253% | 6,045 |
| 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 | 42.0428% | 5,864 |
| Assets per employee ($millions) | 6.9186% | 900 |
| Cash dividends to net income (ytd only)* | 493.6170% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 1,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 34.4463% | 5,661 |
| Net loans and leases to deposits | 36.9294% | 5,768 |
| Net loans and leases to core deposits | 37.5331% | 5,797 |
| Total domestic deposits to total assets | 93.2761% | 25 |
| Equity capital to assets | 6.6863% | 5,982 |
| Core capital (leverage) ratio | 7.8634% | 5,799 |
| Tier 1 risk-based capital ratio | 13.9772% | 3,618 |
| Total risk-based capital ratio | 15.2218% | 3,543 |
| Memoranda: | ||
| Average total assets | $30,411,000 | 5,842 |
| Average earning assets | $27,240,330 | 5,834 |
| Average equity | $2,935,330 | 5,899 |
| Average total loans | $12,360,000 | 5,858 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9620% | 5,723 |
| Cost of funding earning assets | 0.1197% | 5,814 |
| Net interest margin | 2.8423% | 5,408 |
| Noninterest income to average assets | 0.1695% | 5,476 |
| Noninterest expense to average assets | 1.7938% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0169% | 2,202 |
| Return on assets (ROA) | 1.0169% | 2,321 |
| Pretax return on assets | 1.0593% | 3,244 |
| Return on Equity (ROE) | 8.8711% | 2,488 |
| Retained earnings to average equity (ytd only) | 5.1748% | 2,833 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8713% | 4,317 |
| Assets per employee ($millions) | 5.8092% | 1,573 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 1,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 39.8024% | 5,460 |
| Net loans and leases to deposits | 45.4103% | 5,542 |
| Net loans and leases to core deposits | 46.3534% | 5,573 |
| Total domestic deposits to total assets | 87.6506% | 1,829 |
| Equity capital to assets | 11.2787% | 2,653 |
| Core capital (leverage) ratio | 11.1457% | 2,267 |
| Tier 1 risk-based capital ratio | 21.6766% | 1,206 |
| Total risk-based capital ratio | 22.9275% | 1,189 |
| Memoranda: | ||
| Average total assets | $28,320,000 | 5,933 |
| Average earning assets | $26,739,000 | 5,907 |
| Average equity | $3,246,500 | 5,916 |
| Average total loans | $12,478,000 | 5,910 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0000% | 5,725 |
| Cost of funding earning assets | 0.1230% | 5,865 |
| Net interest margin | 2.8770% | 5,378 |
| Noninterest income to average assets | 0.3666% | 4,282 |
| Noninterest expense to average assets | 2.2991% | 4,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7641% | 3,503 |
| Return on assets (ROA) | 0.7641% | 3,589 |
| Pretax return on assets | 0.7915% | 4,219 |
| Return on Equity (ROE) | 7.0060% | 3,514 |
| Retained earnings to average equity (ytd only) | 3.2359% | 3,751 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3902% | 2,519 |
| Assets per employee ($millions) | 5.5188% | 1,786 |
| Cash dividends to net income (ytd only)* | 53.8117% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 1,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 47.0356% | 5,091 |
| Net loans and leases to deposits | 53.9264% | 5,167 |
| Net loans and leases to core deposits | 55.1102% | 5,248 |
| Total domestic deposits to total assets | 87.2219% | 2,021 |
| Equity capital to assets | 11.6583% | 2,224 |
| Core capital (leverage) ratio | 11.4282% | 2,016 |
| Tier 1 risk-based capital ratio | 19.1281% | 1,678 |
| Total risk-based capital ratio | 20.3652% | 1,632 |
| Memoranda: | ||
| Average total assets | $29,184,800 | 5,970 |
| Average earning assets | $27,633,000 | 5,940 |
| Average equity | $3,183,000 | 5,972 |
| Average total loans | $12,958,600 | 5,956 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9654% | 5,836 |
| Cost of funding earning assets | 0.1281% | 5,929 |
| Net interest margin | 2.8373% | 5,519 |
| Noninterest income to average assets | 0.1983% | 5,457 |
| Noninterest expense to average assets | 1.8614% | 5,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9780% | 2,585 |
| Return on assets (ROA) | 0.9780% | 2,663 |
| Pretax return on assets | 1.0321% | 3,497 |
| Return on Equity (ROE) | 9.1142% | 2,515 |
| Retained earnings to average equity (ytd only) | 5.3341% | 2,694 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3302% | 4,188 |
| Assets per employee ($millions) | 5.6190% | 1,672 |
| Cash dividends to net income (ytd only)* | 41.4751% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7572% | 1,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 41.3917% | 5,522 |
| Net loans and leases to deposits | 47.4343% | 5,597 |
| Net loans and leases to core deposits | 48.4521% | 5,635 |
| Total domestic deposits to total assets | 87.2611% | 1,915 |
| Equity capital to assets | 11.5964% | 2,424 |
| Core capital (leverage) ratio | 11.3728% | 2,131 |
| Tier 1 risk-based capital ratio | 20.9465% | 1,351 |
| Total risk-based capital ratio | 22.1942% | 1,327 |
| Memoranda: | ||
| Average total assets | $29,582,500 | 6,045 |
| Average earning assets | $28,101,000 | 6,015 |
| Average equity | $3,174,500 | 6,053 |
| Average total loans | $12,901,500 | 6,032 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9373% | 5,912 |
| Cost of funding earning assets | 0.1189% | 6,050 |
| Net interest margin | 2.8184% | 5,574 |
| Noninterest income to average assets | 0.1529% | 5,797 |
| Noninterest expense to average assets | 1.8485% | 5,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9043% | 2,857 |
| Return on assets (ROA) | 0.9043% | 2,975 |
| Pretax return on assets | 0.9841% | 3,650 |
| Return on Equity (ROE) | 8.6441% | 2,725 |
| Retained earnings to average equity (ytd only) | 4.8305% | 2,969 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2582% | 4,140 |
| Assets per employee ($millions) | 5.8784% | 1,445 |
| Cash dividends to net income (ytd only)* | 44.1176% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 1,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 43.4778% | 5,405 |
| Net loans and leases to deposits | 49.3588% | 5,540 |
| Net loans and leases to core deposits | 50.3586% | 5,599 |
| Total domestic deposits to total assets | 88.0852% | 1,607 |
| Equity capital to assets | 10.8193% | 3,089 |
| Core capital (leverage) ratio | 10.2290% | 3,299 |
| Tier 1 risk-based capital ratio | 19.5392% | 1,657 |
| Total risk-based capital ratio | 20.7892% | 1,623 |
| Memoranda: | ||
| Average total assets | $30,078,330 | 6,112 |
| Average earning assets | $28,597,330 | 6,073 |
| Average equity | $3,146,670 | 6,121 |
| Average total loans | $13,256,330 | 6,089 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8931% | 5,997 |
| Cost of funding earning assets | 0.1107% | 6,156 |
| Net interest margin | 2.7824% | 5,680 |
| Noninterest income to average assets | 0.1709% | 5,696 |
| Noninterest expense to average assets | 1.6436% | 6,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0124% | 2,204 |
| Return on assets (ROA) | 1.0124% | 2,341 |
| Pretax return on assets | 1.1702% | 2,783 |
| Return on Equity (ROE) | 9.8403% | 2,075 |
| Retained earnings to average equity (ytd only) | 6.0064% | 2,507 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4112% | 5,291 |
| Assets per employee ($millions) | 6.4168% | 1,129 |
| Cash dividends to net income (ytd only)* | 38.9610% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 1,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 39.0132% | 5,664 |
| Net loans and leases to deposits | 43.7841% | 5,769 |
| Net loans and leases to core deposits | 44.5841% | 5,822 |
| Total domestic deposits to total assets | 89.1036% | 1,199 |
| Equity capital to assets | 9.8959% | 4,276 |
| Core capital (leverage) ratio | 9.7721% | 3,929 |
| Tier 1 risk-based capital ratio | 19.5557% | 1,721 |
| Total risk-based capital ratio | 20.8057% | 1,680 |
| Memoranda: | ||
| Average total assets | $30,421,500 | 6,165 |
| Average earning assets | $28,896,000 | 6,128 |
| Average equity | $3,130,000 | 6,186 |
| Average total loans | $13,391,000 | 6,140 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7090% | 6,257 |
| Cost of funding earning assets | 0.1212% | 6,241 |
| Net interest margin | 2.5878% | 6,090 |
| Noninterest income to average assets | 0.3703% | 4,427 |
| Noninterest expense to average assets | 2.1042% | 5,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6801% | 3,989 |
| Return on assets (ROA) | 0.6801% | 4,107 |
| Pretax return on assets | 0.7104% | 4,580 |
| Return on Equity (ROE) | 6.5487% | 3,871 |
| Retained earnings to average equity (ytd only) | 0.3890% | 5,601 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7608% | 2,705 |
| Assets per employee ($millions) | 4.7932% | 2,601 |
| Cash dividends to net income (ytd only)* | 94.0594% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 2,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 48.1554% | 5,139 |
| Net loans and leases to deposits | 54.6010% | 5,286 |
| Net loans and leases to core deposits | 55.7237% | 5,402 |
| Total domestic deposits to total assets | 88.1950% | 1,667 |
| Equity capital to assets | 10.7271% | 3,204 |
| Core capital (leverage) ratio | 10.6289% | 2,804 |
| Tier 1 risk-based capital ratio | 16.9019% | 2,550 |
| Total risk-based capital ratio | 18.0313% | 2,558 |
| Memoranda: | ||
| Average total assets | $29,702,400 | 6,255 |
| Average earning assets | $28,054,400 | 6,219 |
| Average equity | $3,084,600 | 6,255 |
| Average total loans | $11,714,600 | 6,262 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5929% | 6,379 |
| Cost of funding earning assets | 0.1226% | 6,326 |
| Net interest margin | 2.4703% | 6,252 |
| Noninterest income to average assets | 0.2405% | 5,483 |
| Noninterest expense to average assets | 1.7992% | 6,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7348% | 3,756 |
| Return on assets (ROA) | 0.7348% | 3,860 |
| Pretax return on assets | 0.7749% | 4,452 |
| Return on Equity (ROE) | 7.1321% | 3,643 |
| Retained earnings to average equity (ytd only) | 2.8095% | 4,602 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8962% | 3,529 |
| Assets per employee ($millions) | 5.8674% | 1,433 |
| Cash dividends to net income (ytd only)* | 60.6073% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 1,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 38.0237% | 5,941 |
| Net loans and leases to deposits | 43.1144% | 6,015 |
| Net loans and leases to core deposits | 43.9814% | 6,040 |
| Total domestic deposits to total assets | 88.1924% | 1,661 |
| Equity capital to assets | 10.7237% | 3,266 |
| Core capital (leverage) ratio | 10.8555% | 2,628 |
| Tier 1 risk-based capital ratio | 19.3746% | 1,808 |
| Total risk-based capital ratio | 20.6230% | 1,784 |
| Memoranda: | ||
| Average total assets | $29,938,250 | 6,325 |
| Average earning assets | $28,282,000 | 6,290 |
| Average equity | $3,084,500 | 6,323 |
| Average total loans | $11,129,000 | 6,352 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5261% | 6,471 |
| Cost of funding earning assets | 0.1196% | 6,411 |
| Net interest margin | 2.4064% | 6,355 |
| Noninterest income to average assets | 0.1593% | 6,000 |
| Noninterest expense to average assets | 1.7784% | 6,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5906% | 4,402 |
| Return on assets (ROA) | 0.5906% | 4,497 |
| Pretax return on assets | 0.6503% | 4,785 |
| Return on Equity (ROE) | 5.8094% | 4,265 |
| Retained earnings to average equity (ytd only) | 1.5666% | 5,115 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2240% | 3,118 |
| Assets per employee ($millions) | 6.1472% | 1,201 |
| Cash dividends to net income (ytd only)* | 73.0337% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0332% | 1,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 32.6067% | 6,217 |
| Net loans and leases to deposits | 36.6985% | 6,274 |
| Net loans and leases to core deposits | 37.3941% | 6,294 |
| Total domestic deposits to total assets | 88.8502% | 1,448 |
| Equity capital to assets | 10.1152% | 3,949 |
| Core capital (leverage) ratio | 10.2250% | 3,304 |
| Tier 1 risk-based capital ratio | 20.1288% | 1,657 |
| Total risk-based capital ratio | 21.3780% | 1,628 |
| Memoranda: | ||
| Average total assets | $30,138,670 | 6,380 |
| Average earning assets | $28,423,670 | 6,344 |
| Average equity | $3,064,000 | 6,378 |
| Average total loans | $11,051,000 | 6,410 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6165% | 6,507 |
| Cost of funding earning assets | 0.1144% | 6,513 |
| Net interest margin | 2.5021% | 6,335 |
| Noninterest income to average assets | 0.2011% | 5,748 |
| Noninterest expense to average assets | 1.7292% | 6,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6971% | 3,703 |
| Return on assets (ROA) | 0.6971% | 3,781 |
| Pretax return on assets | 0.8177% | 4,039 |
| Return on Equity (ROE) | 6.8387% | 3,565 |
| Retained earnings to average equity (ytd only) | 2.8933% | 4,361 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8947% | 4,202 |
| Assets per employee ($millions) | 6.2872% | 1,123 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0175% | 1,486 |
| 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 | 32.1351% | 6,262 |
| Net loans and leases to deposits | 36.0322% | 6,316 |
| Net loans and leases to core deposits | 36.6958% | 6,344 |
| Total domestic deposits to total assets | 89.1844% | 1,544 |
| Equity capital to assets | 9.8072% | 4,097 |
| Core capital (leverage) ratio | 9.9888% | 3,590 |
| Tier 1 risk-based capital ratio | 19.8462% | 1,760 |
| Total risk-based capital ratio | 21.0981% | 1,722 |
| Memoranda: | ||
| Average total assets | $29,840,000 | 6,450 |
| Average earning assets | $27,976,500 | 6,420 |
| Average equity | $3,041,500 | 6,440 |
| Average total loans | $11,461,500 | 6,464 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8696% | 6,450 |
| Cost of funding earning assets | 0.1462% | 6,550 |
| Net interest margin | 2.7234% | 6,108 |
| Noninterest income to average assets | 0.3486% | 4,825 |
| Noninterest expense to average assets | 1.9979% | 6,030 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6972% | 3,806 |
| Return on assets (ROA) | 0.6972% | 3,902 |
| Pretax return on assets | 0.7241% | 4,445 |
| Return on Equity (ROE) | 6.9352% | 3,588 |
| Retained earnings to average equity (ytd only) | 2.9341% | 4,153 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3990% | 3,232 |
| Assets per employee ($millions) | 5.6488% | 1,517 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 2,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 43.9208% | 5,678 |
| Net loans and leases to deposits | 51.3261% | 5,670 |
| Net loans and leases to core deposits | 52.4214% | 5,767 |
| Total domestic deposits to total assets | 85.5722% | 3,472 |
| Equity capital to assets | 10.6217% | 3,018 |
| Core capital (leverage) ratio | 11.0766% | 2,318 |
| Tier 1 risk-based capital ratio | 18.2101% | 2,181 |
| Total risk-based capital ratio | 19.4316% | 2,150 |
| Memoranda: | ||
| Average total assets | $29,831,800 | 6,517 |
| Average earning assets | $25,996,600 | 6,529 |
| Average equity | $2,999,200 | 6,532 |
| Average total loans | $10,507,000 | 6,569 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7808% | 6,580 |
| Cost of funding earning assets | 0.1485% | 6,642 |
| Net interest margin | 2.6324% | 6,273 |
| Noninterest income to average assets | 0.2779% | 5,456 |
| Noninterest expense to average assets | 1.7202% | 6,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7939% | 3,382 |
| Return on assets (ROA) | 0.7939% | 3,511 |
| Pretax return on assets | 0.8248% | 4,202 |
| Return on Equity (ROE) | 8.0023% | 3,121 |
| Retained earnings to average equity (ytd only) | 4.0013% | 3,852 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5910% | 4,172 |
| Assets per employee ($millions) | 5.5806% | 1,555 |
| Cash dividends to net income (ytd only)* | 50.0021% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 1,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 38.3866% | 6,150 |
| Net loans and leases to deposits | 43.5832% | 6,227 |
| Net loans and leases to core deposits | 44.4957% | 6,278 |
| Total domestic deposits to total assets | 88.0766% | 2,081 |
| Equity capital to assets | 10.7910% | 2,963 |
| Core capital (leverage) ratio | 10.9825% | 2,504 |
| Tier 1 risk-based capital ratio | 20.0155% | 1,735 |
| Total risk-based capital ratio | 21.2669% | 1,709 |
| Memoranda: | ||
| Average total assets | $30,228,750 | 6,582 |
| Average earning assets | $26,034,500 | 6,603 |
| Average equity | $2,999,000 | 6,606 |
| Average total loans | $9,980,500 | 6,662 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7016% | 6,665 |
| Cost of funding earning assets | 0.1594% | 6,672 |
| Net interest margin | 2.5422% | 6,400 |
| Noninterest income to average assets | 0.1484% | 6,307 |
| Noninterest expense to average assets | 1.6449% | 6,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6193% | 4,201 |
| Return on assets (ROA) | 0.6193% | 4,363 |
| Pretax return on assets | 0.6644% | 4,800 |
| Return on Equity (ROE) | 6.4107% | 3,928 |
| Retained earnings to average equity (ytd only) | 2.4040% | 4,770 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2291% | 3,608 |
| Assets per employee ($millions) | 5.8148% | 1,342 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2184% | 1,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 31.5333% | 6,528 |
| Net loans and leases to deposits | 35.4771% | 6,570 |
| Net loans and leases to core deposits | 36.1814% | 6,600 |
| Total domestic deposits to total assets | 88.8835% | 1,694 |
| Equity capital to assets | 10.0227% | 3,887 |
| Core capital (leverage) ratio | 10.4896% | 2,884 |
| Tier 1 risk-based capital ratio | 21.0305% | 1,485 |
| Total risk-based capital ratio | 22.2858% | 1,459 |
| Memoranda: | ||
| Average total assets | $31,004,000 | 6,619 |
| Average earning assets | $26,354,670 | 6,647 |
| Average equity | $2,995,000 | 6,653 |
| Average total loans | $9,667,670 | 6,723 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6604% | 6,754 |
| Cost of funding earning assets | 0.1635% | 6,754 |
| Net interest margin | 2.4969% | 6,512 |
| Noninterest income to average assets | 0.1627% | 6,286 |
| Noninterest expense to average assets | 1.5390% | 6,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6381% | 4,032 |
| Return on assets (ROA) | 0.6381% | 4,195 |
| Pretax return on assets | 0.7257% | 4,464 |
| Return on Equity (ROE) | 6.7205% | 3,645 |
| Retained earnings to average equity (ytd only) | 2.7673% | 4,626 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9558% | 4,319 |
| Assets per employee ($millions) | 6.2012% | 1,139 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2767% | 1,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 28.7944% | 6,644 |
| Net loans and leases to deposits | 32.2893% | 6,682 |
| Net loans and leases to core deposits | 32.8852% | 6,698 |
| Total domestic deposits to total assets | 89.1763% | 1,580 |
| Equity capital to assets | 9.7981% | 4,421 |
| Core capital (leverage) ratio | 9.6859% | 3,815 |
| Tier 1 risk-based capital ratio | 21.0009% | 1,535 |
| Total risk-based capital ratio | 22.2538% | 1,511 |
| Memoranda: | ||
| Average total assets | $31,969,000 | 6,668 |
| Average earning assets | $26,913,000 | 6,695 |
| Average equity | $3,035,500 | 6,716 |
| Average total loans | $9,813,500 | 6,778 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4268% | 6,952 |
| Cost of funding earning assets | 0.1433% | 6,933 |
| Net interest margin | 2.2835% | 6,846 |
| Noninterest income to average assets | 0.5582% | 3,519 |
| Noninterest expense to average assets | 1.8857% | 6,511 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5689% | 4,382 |
| Return on assets (ROA) | 0.5689% | 4,644 |
| Pretax return on assets | 0.5876% | 5,030 |
| Return on Equity (ROE) | 7.0736% | 3,598 |
| Retained earnings to average equity (ytd only) | 2.7564% | 4,298 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2419% | 2,706 |
| Assets per employee ($millions) | 6.5864% | 961 |
| Cash dividends to net income (ytd only)* | 61.0329% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9827% | 2,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 31.2249% | 6,655 |
| Net loans and leases to deposits | 34.7540% | 6,717 |
| Net loans and leases to core deposits | 34.7540% | 6,754 |
| Total domestic deposits to total assets | 89.8457% | 1,044 |
| Equity capital to assets | 9.2099% | 5,256 |
| Core capital (leverage) ratio | 10.1441% | 3,211 |
| Tier 1 risk-based capital ratio | 18.8675% | 1,997 |
| Total risk-based capital ratio | 20.1203% | 1,962 |
| Memoranda: | ||
| Average total assets | $37,440,000 | 6,572 |
| Average earning assets | $31,398,800 | 6,628 |
| Average equity | $3,011,200 | 6,780 |
| Average total loans | $9,823,400 | 6,856 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2906% | 7,083 |
| Cost of funding earning assets | 0.1366% | 7,066 |
| Net interest margin | 2.1540% | 6,998 |
| Noninterest income to average assets | 0.4010% | 4,632 |
| Noninterest expense to average assets | 1.4589% | 6,959 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7744% | 3,578 |
| Return on assets (ROA) | 0.7744% | 3,830 |
| Pretax return on assets | 0.7951% | 4,499 |
| Return on Equity (ROE) | 9.9363% | 2,371 |
| Retained earnings to average equity (ytd only) | 5.9439% | 2,734 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7239% | 4,676 |
| Assets per employee ($millions) | 6.3748% | 1,017 |
| Cash dividends to net income (ytd only)* | 40.1795% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0913% | 1,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 30.5515% | 6,795 |
| Net loans and leases to deposits | 34.2044% | 6,861 |
| Net loans and leases to core deposits | 34.2044% | 6,896 |
| Total domestic deposits to total assets | 89.3204% | 1,231 |
| Equity capital to assets | 9.6819% | 4,945 |
| Core capital (leverage) ratio | 8.1539% | 6,188 |
| Tier 1 risk-based capital ratio | 20.0118% | 1,754 |
| Total risk-based capital ratio | 21.2662% | 1,725 |
| Memoranda: | ||
| Average total assets | $38,567,000 | 6,627 |
| Average earning assets | $33,178,250 | 6,663 |
| Average equity | $3,005,750 | 6,868 |
| Average total loans | $9,656,500 | 6,952 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1687% | 7,165 |
| Cost of funding earning assets | 0.1419% | 7,130 |
| Net interest margin | 2.0268% | 7,099 |
| Noninterest income to average assets | 0.1667% | 6,346 |
| Noninterest expense to average assets | 1.3285% | 7,091 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5589% | 4,544 |
| Return on assets (ROA) | 0.5589% | 4,826 |
| Pretax return on assets | 0.5883% | 5,181 |
| Return on Equity (ROE) | 7.6536% | 3,417 |
| Retained earnings to average equity (ytd only) | 3.6254% | 4,183 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3095% | 3,879 |
| Assets per employee ($millions) | 8.4552% | 384 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3204% | 1,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 20.7115% | 7,071 |
| Net loans and leases to deposits | 22.4795% | 7,106 |
| Net loans and leases to core deposits | 22.4795% | 7,118 |
| Total domestic deposits to total assets | 92.1350% | 204 |
| Equity capital to assets | 7.1104% | 6,887 |
| Core capital (leverage) ratio | 6.9647% | 6,832 |
| Tier 1 risk-based capital ratio | 17.8959% | 2,327 |
| Total risk-based capital ratio | 19.1442% | 2,293 |
| Memoranda: | ||
| Average total assets | $40,798,000 | 6,603 |
| Average earning assets | $35,228,330 | 6,650 |
| Average equity | $2,979,000 | 6,914 |
| Average total loans | $9,560,000 | 7,018 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2255% | 7,221 |
| Cost of funding earning assets | 0.1469% | 7,198 |
| Net interest margin | 2.0786% | 7,137 |
| Noninterest income to average assets | 0.1298% | 6,597 |
| Noninterest expense to average assets | 1.3181% | 7,163 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5891% | 4,395 |
| Return on assets (ROA) | 0.5891% | 4,612 |
| Pretax return on assets | 0.6490% | 4,942 |
| Return on Equity (ROE) | 7.9582% | 3,299 |
| Retained earnings to average equity (ytd only) | 3.9117% | 4,241 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0051% | 4,358 |
| Assets per employee ($millions) | 8.9686% | 326 |
| Cash dividends to net income (ytd only)* | 50.8475% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2885% | 1,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 19.8047% | 7,146 |
| Net loans and leases to deposits | 21.3768% | 7,176 |
| Net loans and leases to core deposits | 21.3768% | 7,185 |
| Total domestic deposits to total assets | 92.6455% | 168 |
| Equity capital to assets | 6.6432% | 6,988 |
| Core capital (leverage) ratio | 7.3000% | 6,726 |
| Tier 1 risk-based capital ratio | 17.2041% | 2,603 |
| Total risk-based capital ratio | 18.4146% | 2,579 |
| Memoranda: | ||
| Average total assets | $40,059,000 | 6,681 |
| Average earning assets | $35,408,000 | 6,692 |
| Average equity | $2,965,500 | 6,969 |
| Average total loans | $9,858,000 | 7,066 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7203% | 7,235 |
| Cost of funding earning assets | 0.2614% | 7,164 |
| Net interest margin | 2.4589% | 7,076 |
| Noninterest income to average assets | 0.6459% | 2,915 |
| Noninterest expense to average assets | 2.1972% | 6,272 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6171% | 3,906 |
| Return on assets (ROA) | 0.6171% | 4,100 |
| Pretax return on assets | 0.6459% | 4,528 |
| Return on Equity (ROE) | 7.2675% | 3,267 |
| Retained earnings to average equity (ytd only) | 1.8339% | 4,908 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2819% | 2,699 |
| Assets per employee ($millions) | 7.0550% | 711 |
| Cash dividends to net income (ytd only)* | 74.7664% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9573% | 2,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 29.5365% | 7,027 |
| Net loans and leases to deposits | 32.5492% | 7,079 |
| Net loans and leases to core deposits | 32.5492% | 7,104 |
| Total domestic deposits to total assets | 90.7442% | 603 |
| Equity capital to assets | 8.3685% | 6,283 |
| Core capital (leverage) ratio | 8.9021% | 4,935 |
| Tier 1 risk-based capital ratio | 17.6495% | 2,320 |
| Total risk-based capital ratio | 18.8977% | 2,283 |
| Memoranda: | ||
| Average total assets | $34,680,000 | 6,838 |
| Average earning assets | $30,989,200 | 6,838 |
| Average equity | $2,944,600 | 7,023 |
| Average total loans | $10,146,600 | 7,112 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7465% | 7,316 |
| Cost of funding earning assets | 0.2781% | 7,245 |
| Net interest margin | 2.4684% | 7,146 |
| Noninterest income to average assets | 0.7645% | 2,234 |
| Noninterest expense to average assets | 1.8765% | 6,882 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0811% | 2,039 |
| Return on assets (ROA) | 1.0811% | 2,182 |
| Pretax return on assets | 1.1159% | 2,940 |
| Return on Equity (ROE) | 12.6861% | 1,362 |
| Retained earnings to average equity (ytd only) | 7.2493% | 1,837 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7097% | 5,290 |
| Assets per employee ($millions) | 6.7548% | 831 |
| Cash dividends to net income (ytd only)* | 42.8587% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0995% | 2,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 28.7174% | 7,128 |
| Net loans and leases to deposits | 31.9162% | 7,177 |
| Net loans and leases to core deposits | 31.9162% | 7,201 |
| Total domestic deposits to total assets | 89.9775% | 879 |
| Equity capital to assets | 9.0691% | 5,667 |
| Core capital (leverage) ratio | 8.8260% | 5,218 |
| Tier 1 risk-based capital ratio | 19.3590% | 1,847 |
| Total risk-based capital ratio | 20.6104% | 1,815 |
| Memoranda: | ||
| Average total assets | $34,531,250 | 6,906 |
| Average earning assets | $31,166,000 | 6,899 |
| Average equity | $2,942,750 | 7,085 |
| Average total loans | $10,026,500 | 7,189 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7675% | 7,393 |
| Cost of funding earning assets | 0.2843% | 7,332 |
| Net interest margin | 2.4832% | 7,196 |
| Noninterest income to average assets | 0.4312% | 4,416 |
| Noninterest expense to average assets | 1.9377% | 6,896 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7015% | 3,541 |
| Return on assets (ROA) | 0.7015% | 3,648 |
| Pretax return on assets | 0.7532% | 4,202 |
| Return on Equity (ROE) | 8.4061% | 2,765 |
| Retained earnings to average equity (ytd only) | 2.8939% | 4,444 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0085% | 3,731 |
| Assets per employee ($millions) | 6.7776% | 816 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1404% | 2,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 28.0630% | 7,238 |
| Net loans and leases to deposits | 31.0703% | 7,290 |
| Net loans and leases to core deposits | 31.0703% | 7,309 |
| Total domestic deposits to total assets | 90.3211% | 801 |
| Equity capital to assets | 8.7199% | 5,915 |
| Core capital (leverage) ratio | 8.3367% | 5,813 |
| Tier 1 risk-based capital ratio | 18.8272% | 1,899 |
| Total risk-based capital ratio | 20.0815% | 1,865 |
| Memoranda: | ||
| Average total assets | $34,783,670 | 6,969 |
| Average earning assets | $31,653,330 | 6,946 |
| Average equity | $2,902,670 | 7,153 |
| Average total loans | $10,066,330 | 7,256 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6501% | 7,459 |
| Cost of funding earning assets | 0.2758% | 7,413 |
| Net interest margin | 2.3743% | 7,266 |
| Noninterest income to average assets | 0.1930% | 6,343 |
| Noninterest expense to average assets | 1.6690% | 7,253 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6699% | 3,660 |
| Return on assets (ROA) | 0.6699% | 3,731 |
| Pretax return on assets | 0.7720% | 4,010 |
| Return on Equity (ROE) | 8.2044% | 2,829 |
| Retained earnings to average equity (ytd only) | 2.6421% | 4,582 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3721% | 4,584 |
| Assets per employee ($millions) | 7.3996% | 610 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1272% | 2,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 25.8663% | 7,345 |
| Net loans and leases to deposits | 28.3245% | 7,384 |
| Net loans and leases to core deposits | 28.3245% | 7,396 |
| Total domestic deposits to total assets | 91.3212% | 474 |
| Equity capital to assets | 7.8031% | 6,677 |
| Core capital (leverage) ratio | 8.2456% | 5,909 |
| Tier 1 risk-based capital ratio | 17.9018% | 2,147 |
| Total risk-based capital ratio | 19.1536% | 2,118 |
| Memoranda: | ||
| Average total assets | $35,231,500 | 6,998 |
| Average earning assets | $33,357,000 | 6,944 |
| Average equity | $2,876,500 | 7,203 |
| Average total loans | $10,240,500 | 7,309 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4869% | 7,393 |
| Cost of funding earning assets | 0.3722% | 7,451 |
| Net interest margin | 3.1147% | 6,485 |
| Noninterest income to average assets | 0.8117% | 2,222 |
| Noninterest expense to average assets | 2.6149% | 5,354 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9208% | 2,315 |
| Return on assets (ROA) | 0.9208% | 2,437 |
| Pretax return on assets | 0.9625% | 3,057 |
| Return on Equity (ROE) | 9.7979% | 2,002 |
| Retained earnings to average equity (ytd only) | 3.1408% | 3,667 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0942% | 3,578 |
| Assets per employee ($millions) | 6.6930% | 865 |
| Cash dividends to net income (ytd only)* | 67.9443% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 2,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 31.3611% | 7,309 |
| Net loans and leases to deposits | 34.7241% | 7,376 |
| Net loans and leases to core deposits | 34.7241% | 7,408 |
| Total domestic deposits to total assets | 90.3153% | 927 |
| Equity capital to assets | 8.5642% | 5,767 |
| Core capital (leverage) ratio | 9.2815% | 4,040 |
| Tier 1 risk-based capital ratio | 17.7329% | 2,081 |
| Total risk-based capital ratio | 18.9814% | 2,048 |
| Memoranda: | ||
| Average total assets | $31,167,400 | 7,168 |
| Average earning assets | $27,674,800 | 7,170 |
| Average equity | $2,929,200 | 7,292 |
| Average total loans | $9,759,600 | 7,406 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6627% | 7,470 |
| Cost of funding earning assets | 0.3876% | 7,579 |
| Net interest margin | 3.2750% | 6,095 |
| Noninterest income to average assets | 0.4227% | 4,776 |
| Noninterest expense to average assets | 1.9655% | 7,112 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2770% | 1,391 |
| Return on assets (ROA) | 1.2770% | 1,477 |
| Pretax return on assets | 1.3293% | 2,092 |
| Return on Equity (ROE) | 13.2652% | 1,193 |
| Retained earnings to average equity (ytd only) | 7.8323% | 1,476 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6561% | 6,004 |
| Assets per employee ($millions) | 6.0330% | 1,221 |
| Cash dividends to net income (ytd only)* | 40.9563% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1231% | 1,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 31.7885% | 7,415 |
| Net loans and leases to deposits | 35.7732% | 7,479 |
| Net loans and leases to core deposits | 35.7732% | 7,506 |
| Total domestic deposits to total assets | 88.8613% | 1,472 |
| Equity capital to assets | 10.0514% | 4,091 |
| Core capital (leverage) ratio | 9.3025% | 4,207 |
| Tier 1 risk-based capital ratio | 19.9581% | 1,559 |
| Total risk-based capital ratio | 21.2097% | 1,527 |
| Memoranda: | ||
| Average total assets | $30,593,000 | 7,267 |
| Average earning assets | $26,828,500 | 7,285 |
| Average equity | $2,945,000 | 7,384 |
| Average total loans | $9,523,750 | 7,509 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 7,478 |
| Cost of funding earning assets | 0.3976% | 7,658 |
| Net interest margin | 3.4182% | 5,568 |
| Noninterest income to average assets | 0.5661% | 3,578 |
| Noninterest expense to average assets | 2.0042% | 7,104 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3925% | 1,108 |
| Return on assets (ROA) | 1.3925% | 1,175 |
| Pretax return on assets | 1.4706% | 1,640 |
| Return on Equity (ROE) | 14.6776% | 914 |
| Retained earnings to average equity (ytd only) | 9.1907% | 1,053 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6779% | 6,427 |
| Assets per employee ($millions) | 6.1410% | 1,131 |
| Cash dividends to net income (ytd only)* | 37.3832% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2700% | 1,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 29.1646% | 7,557 |
| Net loans and leases to deposits | 32.7386% | 7,598 |
| Net loans and leases to core deposits | 32.7386% | 7,621 |
| Total domestic deposits to total assets | 89.0832% | 1,390 |
| Equity capital to assets | 9.8290% | 4,228 |
| Core capital (leverage) ratio | 9.6415% | 3,621 |
| Tier 1 risk-based capital ratio | 20.1663% | 1,487 |
| Total risk-based capital ratio | 21.4207% | 1,455 |
| Memoranda: | ||
| Average total assets | $30,735,670 | 7,318 |
| Average earning assets | $26,154,000 | 7,366 |
| Average equity | $2,916,000 | 7,443 |
| Average total loans | $9,432,670 | 7,572 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7351% | 7,620 |
| Cost of funding earning assets | 0.3986% | 7,774 |
| Net interest margin | 3.3365% | 5,836 |
| Noninterest income to average assets | 0.2081% | 6,471 |
| Noninterest expense to average assets | 1.8861% | 7,351 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1317% | 1,738 |
| Return on assets (ROA) | 1.1317% | 1,809 |
| Pretax return on assets | 1.2617% | 2,166 |
| Return on Equity (ROE) | 12.1466% | 1,456 |
| Retained earnings to average equity (ytd only) | 6.5620% | 2,344 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9174% | 6,188 |
| Assets per employee ($millions) | 6.2764% | 1,093 |
| Cash dividends to net income (ytd only)* | 45.9770% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2616% | 1,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 28.6438% | 7,658 |
| Net loans and leases to deposits | 31.9064% | 7,696 |
| Net loans and leases to core deposits | 31.9064% | 7,716 |
| Total domestic deposits to total assets | 89.7744% | 1,097 |
| Equity capital to assets | 9.1804% | 5,016 |
| Core capital (leverage) ratio | 8.9267% | 4,685 |
| Tier 1 risk-based capital ratio | 19.2654% | 1,661 |
| Total risk-based capital ratio | 20.5147% | 1,635 |
| Memoranda: | ||
| Average total assets | $30,751,000 | 7,417 |
| Average earning assets | $27,094,500 | 7,425 |
| Average equity | $2,865,000 | 7,536 |
| Average total loans | $9,567,500 | 7,668 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6780% | 7,171 |
| Cost of funding earning assets | 0.6198% | 7,765 |
| Net interest margin | 4.0582% | 2,616 |
| Noninterest income to average assets | 0.8970% | 1,953 |
| Noninterest expense to average assets | 2.9109% | 4,499 |
| Loan and lease loss provision to assets | 0.0901% | 6,710 |
| Net operating income to assets | 1.3005% | 1,033 |
| Return on assets (ROA) | 1.3005% | 1,079 |
| Pretax return on assets | 1.3402% | 1,583 |
| Return on Equity (ROE) | 12.4612% | 1,060 |
| Retained earnings to average equity (ytd only) | 4.3493% | 2,193 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0539% | 5,169 |
| Assets per employee ($millions) | 6.0240% | 1,230 |
| Cash dividends to net income (ytd only)* | 65.0970% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0930% | 1,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 32.3041% | 7,648 |
| Net loans and leases to deposits | 36.1871% | 7,719 |
| Net loans and leases to core deposits | 37.3298% | 7,796 |
| Total domestic deposits to total assets | 89.2696% | 1,342 |
| Equity capital to assets | 9.4588% | 4,479 |
| Core capital (leverage) ratio | 9.7484% | 3,389 |
| Tier 1 risk-based capital ratio | 18.4650% | 1,762 |
| Total risk-based capital ratio | 19.7164% | 1,723 |
| Memoranda: | ||
| Average total assets | $27,758,000 | 7,560 |
| Average earning assets | $23,557,000 | 7,600 |
| Average equity | $2,897,000 | 7,618 |
| Average total loans | $9,786,400 | 7,716 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 6,983 |
| Cost of funding earning assets | 0.6578% | 7,851 |
| Net interest margin | 4.2039% | 2,048 |
| Noninterest income to average assets | 0.7558% | 2,675 |
| Noninterest expense to average assets | 2.0465% | 7,294 |
| Loan and lease loss provision to assets | 0.1227% | 6,132 |
| Net operating income to assets | 2.1447% | 214 |
| Return on assets (ROA) | 2.1447% | 233 |
| Pretax return on assets | 2.1937% | 357 |
| Return on Equity (ROE) | 20.0292% | 314 |
| Retained earnings to average equity (ytd only) | 13.8419% | 204 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9066% | 7,724 |
| Assets per employee ($millions) | 5.3880% | 1,718 |
| Cash dividends to net income (ytd only)* | 30.8933% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1377% | 1,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 35.3452% | 7,638 |
| Net loans and leases to deposits | 40.4297% | 7,718 |
| Net loans and leases to core deposits | 42.1346% | 7,824 |
| Total domestic deposits to total assets | 87.4239% | 1,938 |
| Equity capital to assets | 11.3437% | 2,719 |
| Core capital (leverage) ratio | 10.7742% | 2,579 |
| Tier 1 risk-based capital ratio | 20.8956% | 1,380 |
| Total risk-based capital ratio | 22.1498% | 1,355 |
| Memoranda: | ||
| Average total assets | $27,167,500 | 7,644 |
| Average earning assets | $23,311,000 | 7,680 |
| Average equity | $2,909,000 | 7,689 |
| Average total loans | $9,748,500 | 7,793 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0047% | 6,753 |
| Cost of funding earning assets | 0.7051% | 7,916 |
| Net interest margin | 4.2995% | 1,658 |
| Noninterest income to average assets | 0.3524% | 5,682 |
| Noninterest expense to average assets | 2.0335% | 7,402 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9161% | 361 |
| Return on assets (ROA) | 1.9161% | 392 |
| Pretax return on assets | 1.9895% | 584 |
| Return on Equity (ROE) | 18.2517% | 470 |
| Retained earnings to average equity (ytd only) | 12.3077% | 400 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5474% | 7,629 |
| Assets per employee ($millions) | 5.4552% | 1,619 |
| Cash dividends to net income (ytd only)* | 32.5670% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 1,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 35.4048% | 7,727 |
| Net loans and leases to deposits | 40.2325% | 7,807 |
| Net loans and leases to core deposits | 41.9541% | 7,909 |
| Total domestic deposits to total assets | 88.0004% | 1,777 |
| Equity capital to assets | 10.7127% | 3,188 |
| Core capital (leverage) ratio | 10.2887% | 3,007 |
| Tier 1 risk-based capital ratio | 19.7772% | 1,622 |
| Total risk-based capital ratio | 21.0242% | 1,576 |
| Memoranda: | ||
| Average total assets | $27,243,330 | 7,716 |
| Average earning assets | $23,258,330 | 7,757 |
| Average equity | $2,860,000 | 7,771 |
| Average total loans | $9,754,670 | 7,874 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0488% | 6,798 |
| Cost of funding earning assets | 0.7556% | 7,955 |
| Net interest margin | 4.2932% | 1,623 |
| Noninterest income to average assets | 0.2498% | 6,457 |
| Noninterest expense to average assets | 1.8364% | 7,651 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9393% | 389 |
| Return on assets (ROA) | 1.9393% | 443 |
| Pretax return on assets | 2.0862% | 554 |
| Return on Equity (ROE) | 18.6638% | 533 |
| Retained earnings to average equity (ytd only) | 13.0081% | 640 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8165% | 7,804 |
| Assets per employee ($millions) | 5.7902% | 1,329 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 1,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 31.6742% | 7,873 |
| Net loans and leases to deposits | 35.6006% | 7,952 |
| Net loans and leases to core deposits | 37.0595% | 8,018 |
| Total domestic deposits to total assets | 88.9710% | 1,240 |
| Equity capital to assets | 9.8615% | 4,167 |
| Core capital (leverage) ratio | 9.8756% | 3,549 |
| Tier 1 risk-based capital ratio | 19.2559% | 1,766 |
| Total risk-based capital ratio | 20.5078% | 1,723 |
| Memoranda: | ||
| Average total assets | $27,227,000 | 7,757 |
| Average earning assets | $23,292,500 | 7,795 |
| Average equity | $2,829,000 | 7,829 |
| Average total loans | $9,712,000 | 7,922 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5355% | 7,214 |
| Cost of funding earning assets | 1.3931% | 7,744 |
| Net interest margin | 4.1424% | 2,527 |
| Noninterest income to average assets | 1.3843% | 750 |
| Noninterest expense to average assets | 3.5335% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5423% | 941 |
| Return on assets (ROA) | 1.5423% | 907 |
| Pretax return on assets | 1.5838% | 1,436 |
| Return on Equity (ROE) | 13.4177% | 1,234 |
| Retained earnings to average equity (ytd only) | 1.3020% | 4,436 |
| Net charge-offs to loans | -0.0944% | 8,085 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8058% | 4,577 |
| Assets per employee ($millions) | 5.1006% | 1,840 |
| Cash dividends to net income (ytd only)* | 90.2965% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8171% | 1,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 38.7719% | 7,726 |
| Net loans and leases to deposits | 44.2100% | 7,842 |
| Net loans and leases to core deposits | 46.3681% | 7,961 |
| Total domestic deposits to total assets | 87.6995% | 1,609 |
| Equity capital to assets | 10.9909% | 3,045 |
| Core capital (leverage) ratio | 10.7176% | 2,804 |
| Tier 1 risk-based capital ratio | 18.7602% | 1,860 |
| Total risk-based capital ratio | 20.0085% | 1,810 |
| Memoranda: | ||
| Average total assets | $24,055,400 | 7,869 |
| Average earning assets | $21,678,400 | 7,872 |
| Average equity | $2,765,000 | 7,909 |
| Average total loans | $9,529,000 | 7,961 |