Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8650% | 5,493 |
| Cost of funding earning assets | 0.7435% | 780 |
| Net interest margin | 2.1215% | 5,617 |
| Noninterest income to average assets | 0.3358% | 4,130 |
| Noninterest expense to average assets | 2.1684% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2015% | 5,355 |
| Return on assets (ROA) | 0.2015% | 5,367 |
| Pretax return on assets | 0.2207% | 5,369 |
| Return on Equity (ROE) | 2.1678% | 5,282 |
| Retained earnings to average equity (ytd only) | 2.1678% | 4,561 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7631% | 380 |
| Assets per employee ($millions) | 9.3020% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3121% | 340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 30.2802% | 5,493 |
| Net loans and leases to deposits | 33.5424% | 5,536 |
| Net loans and leases to core deposits | 35.8172% | 5,527 |
| Total domestic deposits to total assets | 90.2745% | 385 |
| Equity capital to assets | 9.4281% | 4,514 |
| Core capital (leverage) ratio | 9.8336% | 3,778 |
| Tier 1 risk-based capital ratio | 21.1918% | 1,165 |
| Total risk-based capital ratio | 22.4444% | 1,147 |
| Memoranda: | ||
| Average total assets | $27,793,000 | 5,584 |
| Average earning assets | $26,898,750 | 5,545 |
| Average equity | $2,583,250 | 5,625 |
| Average total loans | $9,212,000 | 5,619 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8399% | 5,540 |
| Cost of funding earning assets | 0.7434% | 708 |
| Net interest margin | 2.0965% | 5,675 |
| Noninterest income to average assets | 0.1585% | 5,258 |
| Noninterest expense to average assets | 1.8735% | 5,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2810% | 5,264 |
| Return on assets (ROA) | 0.2810% | 5,282 |
| Pretax return on assets | 0.3171% | 5,313 |
| Return on Equity (ROE) | 3.0382% | 5,112 |
| Retained earnings to average equity (ytd only) | 3.0382% | 3,905 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5263% | 729 |
| Assets per employee ($millions) | 9.1540% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2359% | 410 |
| Loan loss allowance to noncurrent loans | 1,176.4706% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 4,955 |
| Noncurrent loans to loans | 0.1901% | 4,359 |
| Net loans and leases to total assets | 31.8440% | 5,502 |
| Net loans and leases to deposits | 35.3348% | 5,548 |
| Net loans and leases to core deposits | 37.7737% | 5,545 |
| Total domestic deposits to total assets | 90.1209% | 498 |
| Equity capital to assets | 9.5842% | 4,330 |
| Core capital (leverage) ratio | 9.8541% | 3,712 |
| Tier 1 risk-based capital ratio | 20.8075% | 1,225 |
| Total risk-based capital ratio | 22.0616% | 1,195 |
| Memoranda: | ||
| Average total assets | $27,755,330 | 5,628 |
| Average earning assets | $26,902,000 | 5,592 |
| Average equity | $2,567,330 | 5,675 |
| Average total loans | $9,399,330 | 5,656 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8140% | 5,592 |
| Cost of funding earning assets | 0.7444% | 675 |
| Net interest margin | 2.0695% | 5,745 |
| Noninterest income to average assets | 0.0573% | 5,710 |
| Noninterest expense to average assets | 1.6773% | 5,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3154% | 5,155 |
| Return on assets (ROA) | 0.3154% | 5,181 |
| Pretax return on assets | 0.3727% | 5,204 |
| Return on Equity (ROE) | 3.4714% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.4714% | 3,702 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 1,182 |
| Assets per employee ($millions) | 9.2673% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3135% | 407 |
| Loan loss allowance to noncurrent loans | 666.6667% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 4,837 |
| Noncurrent loans to loans | 0.3470% | 3,855 |
| Net loans and leases to total assets | 30.3755% | 5,577 |
| Net loans and leases to deposits | 33.5146% | 5,623 |
| Net loans and leases to core deposits | 35.7794% | 5,623 |
| Total domestic deposits to total assets | 90.6338% | 414 |
| Equity capital to assets | 9.2403% | 4,576 |
| Core capital (leverage) ratio | 9.8979% | 3,629 |
| Tier 1 risk-based capital ratio | 20.9482% | 1,222 |
| Total risk-based capital ratio | 22.2033% | 1,200 |
| Memoranda: | ||
| Average total assets | $27,902,000 | 5,690 |
| Average earning assets | $26,866,000 | 5,658 |
| Average equity | $2,535,000 | 5,740 |
| Average total loans | $9,626,500 | 5,718 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1651% | 5,345 |
| Cost of funding earning assets | 0.7664% | 593 |
| Net interest margin | 2.3987% | 5,646 |
| Noninterest income to average assets | 0.4525% | 3,526 |
| Noninterest expense to average assets | 2.0362% | 5,119 |
| Loan and lease loss provision to assets | -0.1414% | 5,737 |
| Net operating income to assets | 0.6323% | 4,080 |
| Return on assets (ROA) | 0.6009% | 4,311 |
| Pretax return on assets | 0.8166% | 4,142 |
| Return on Equity (ROE) | 6.6004% | 3,689 |
| Retained earnings to average equity (ytd only) | 5.6298% | 1,937 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9409% | 2,294 |
| Assets per employee ($millions) | 9.3340% | 385 |
| Cash dividends to net income (ytd only)* | 14.7059% | 3,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 37.1688% | 5,439 |
| Net loans and leases to deposits | 40.9619% | 5,520 |
| Net loans and leases to core deposits | 43.7017% | 5,494 |
| Total domestic deposits to total assets | 90.7399% | 372 |
| Equity capital to assets | 8.9315% | 4,880 |
| Core capital (leverage) ratio | 9.5892% | 3,979 |
| Tier 1 risk-based capital ratio | 18.3598% | 1,758 |
| Total risk-based capital ratio | 19.6125% | 1,725 |
| Memoranda: | ||
| Average total assets | $28,288,600 | 5,740 |
| Average earning assets | $27,140,000 | 5,706 |
| Average equity | $2,575,600 | 5,795 |
| Average total loans | $11,562,600 | 5,737 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2163% | 5,339 |
| Cost of funding earning assets | 0.7648% | 600 |
| Net interest margin | 2.4515% | 5,686 |
| Noninterest income to average assets | 0.4889% | 3,330 |
| Noninterest expense to average assets | 1.9980% | 5,206 |
| Loan and lease loss provision to assets | -0.1880% | 5,863 |
| Net operating income to assets | 0.7359% | 3,662 |
| Return on assets (ROA) | 0.6958% | 4,006 |
| Pretax return on assets | 0.9732% | 3,725 |
| Return on Equity (ROE) | 7.6064% | 3,236 |
| Retained earnings to average equity (ytd only) | 6.3217% | 1,998 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3642% | 2,839 |
| Assets per employee ($millions) | 9.3140% | 371 |
| Cash dividends to net income (ytd only)* | 16.8905% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0410% | 678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 34.3533% | 5,609 |
| Net loans and leases to deposits | 38.1488% | 5,674 |
| Net loans and leases to core deposits | 41.1762% | 5,654 |
| Total domestic deposits to total assets | 90.0508% | 467 |
| Equity capital to assets | 9.5591% | 4,603 |
| Core capital (leverage) ratio | 9.6794% | 3,962 |
| Tier 1 risk-based capital ratio | 19.9940% | 1,447 |
| Total risk-based capital ratio | 21.2492% | 1,404 |
| Memoranda: | ||
| Average total assets | $28,360,250 | 5,797 |
| Average earning assets | $27,193,750 | 5,766 |
| Average equity | $2,594,250 | 5,856 |
| Average total loans | $11,801,250 | 5,796 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3368% | 5,210 |
| Cost of funding earning assets | 0.7683% | 574 |
| Net interest margin | 2.5685% | 5,692 |
| Noninterest income to average assets | 0.5754% | 2,752 |
| Noninterest expense to average assets | 2.0632% | 5,134 |
| Loan and lease loss provision to assets | -0.2807% | 5,975 |
| Net operating income to assets | 0.9098% | 2,815 |
| Return on assets (ROA) | 0.8491% | 3,222 |
| Pretax return on assets | 1.1719% | 2,894 |
| Return on Equity (ROE) | 9.4212% | 2,310 |
| Retained earnings to average equity (ytd only) | 7.4747% | 1,397 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8984% | 3,365 |
| Assets per employee ($millions) | 9.1843% | 363 |
| Cash dividends to net income (ytd only)* | 20.6612% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9512% | 815 |
| 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 | 36.4752% | 5,587 |
| Net loans and leases to deposits | 40.5487% | 5,670 |
| Net loans and leases to core deposits | 43.8138% | 5,631 |
| Total domestic deposits to total assets | 89.9539% | 505 |
| Equity capital to assets | 9.6541% | 4,608 |
| Core capital (leverage) ratio | 9.2647% | 4,503 |
| Tier 1 risk-based capital ratio | 19.5281% | 1,556 |
| Total risk-based capital ratio | 20.7820% | 1,519 |
| Memoranda: | ||
| Average total assets | $28,499,670 | 5,869 |
| Average earning assets | $27,331,330 | 5,832 |
| Average equity | $2,568,670 | 5,930 |
| Average total loans | $12,468,670 | 5,857 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4504% | 5,004 |
| Cost of funding earning assets | 0.7507% | 633 |
| Net interest margin | 2.6997% | 5,619 |
| Noninterest income to average assets | 0.7179% | 1,949 |
| Noninterest expense to average assets | 1.8086% | 5,642 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0255% | 2,179 |
| Return on assets (ROA) | 0.9112% | 2,816 |
| Pretax return on assets | 1.3254% | 2,200 |
| Return on Equity (ROE) | 10.4637% | 1,791 |
| Retained earnings to average equity (ytd only) | 6.5002% | 2,131 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8117% | 5,301 |
| Assets per employee ($millions) | 9.7623% | 303 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7521% | 1,243 |
| 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 | 45.9521% | 5,117 |
| Net loans and leases to deposits | 50.5522% | 5,310 |
| Net loans and leases to core deposits | 54.3143% | 5,228 |
| Total domestic deposits to total assets | 90.9004% | 301 |
| Equity capital to assets | 8.7923% | 5,349 |
| Core capital (leverage) ratio | 8.9448% | 4,922 |
| Tier 1 risk-based capital ratio | 16.3184% | 2,552 |
| Total risk-based capital ratio | 17.5722% | 2,505 |
| Memoranda: | ||
| Average total assets | $28,973,000 | 5,921 |
| Average earning assets | $27,707,000 | 5,885 |
| Average equity | $2,523,000 | 5,988 |
| Average total loans | $13,578,000 | 5,885 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 4,617 |
| Cost of funding earning assets | 0.7758% | 557 |
| Net interest margin | 2.8446% | 5,435 |
| Noninterest income to average assets | 0.3403% | 4,475 |
| Noninterest expense to average assets | 1.9533% | 5,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7647% | 3,496 |
| Return on assets (ROA) | 0.7551% | 3,644 |
| Pretax return on assets | 1.1025% | 3,047 |
| Return on Equity (ROE) | 8.9189% | 2,490 |
| Retained earnings to average equity (ytd only) | 7.6627% | 1,035 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6259% | 4,345 |
| Assets per employee ($millions) | 9.5530% | 313 |
| Cash dividends to net income (ytd only)* | 14.0845% | 3,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 1,166 |
| 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 | 46.1216% | 5,147 |
| Net loans and leases to deposits | 50.5720% | 5,359 |
| Net loans and leases to core deposits | 53.7404% | 5,333 |
| Total domestic deposits to total assets | 91.2000% | 239 |
| Equity capital to assets | 8.6221% | 5,449 |
| Core capital (leverage) ratio | 8.8178% | 5,095 |
| Tier 1 risk-based capital ratio | 16.2972% | 2,563 |
| Total risk-based capital ratio | 17.5503% | 2,521 |
| Memoranda: | ||
| Average total assets | $28,208,400 | 5,989 |
| Average earning assets | $27,068,800 | 5,948 |
| Average equity | $2,388,200 | 6,061 |
| Average total loans | $13,817,600 | 5,931 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6413% | 4,599 |
| Cost of funding earning assets | 0.7757% | 575 |
| Net interest margin | 2.8656% | 5,465 |
| Noninterest income to average assets | 0.2610% | 5,072 |
| Noninterest expense to average assets | 1.8697% | 5,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7817% | 3,517 |
| Return on assets (ROA) | 0.7688% | 3,682 |
| Pretax return on assets | 1.1247% | 3,122 |
| Return on Equity (ROE) | 9.1231% | 2,509 |
| Retained earnings to average equity (ytd only) | 7.4340% | 1,484 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0472% | 4,561 |
| Assets per employee ($millions) | 9.3487% | 336 |
| Cash dividends to net income (ytd only)* | 18.5194% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7035% | 1,460 |
| 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 | 49.3796% | 4,982 |
| Net loans and leases to deposits | 54.3077% | 5,231 |
| Net loans and leases to core deposits | 57.7933% | 5,199 |
| Total domestic deposits to total assets | 90.9256% | 262 |
| Equity capital to assets | 8.7749% | 5,511 |
| Core capital (leverage) ratio | 8.8516% | 5,179 |
| Tier 1 risk-based capital ratio | 15.6171% | 2,989 |
| Total risk-based capital ratio | 16.8678% | 2,919 |
| Memoranda: | ||
| Average total assets | $28,095,750 | 6,071 |
| Average earning assets | $26,986,000 | 6,033 |
| Average equity | $2,367,500 | 6,149 |
| Average total loans | $13,907,500 | 6,001 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6275% | 4,648 |
| Cost of funding earning assets | 0.7773% | 560 |
| Net interest margin | 2.8502% | 5,531 |
| Noninterest income to average assets | 0.1423% | 5,855 |
| Noninterest expense to average assets | 1.8355% | 5,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7240% | 3,770 |
| Return on assets (ROA) | 0.7043% | 3,992 |
| Pretax return on assets | 1.0173% | 3,511 |
| Return on Equity (ROE) | 8.4748% | 2,812 |
| Retained earnings to average equity (ytd only) | 5.9067% | 2,299 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7037% | 4,401 |
| Assets per employee ($millions) | 9.2623% | 338 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 1,618 |
| 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 | 50.1745% | 4,915 |
| Net loans and leases to deposits | 54.8876% | 5,196 |
| Net loans and leases to core deposits | 58.4178% | 5,171 |
| Total domestic deposits to total assets | 91.4133% | 199 |
| Equity capital to assets | 8.3276% | 5,811 |
| Core capital (leverage) ratio | 8.6324% | 5,395 |
| Tier 1 risk-based capital ratio | 15.2040% | 3,247 |
| Total risk-based capital ratio | 16.4595% | 3,181 |
| Memoranda: | ||
| Average total assets | $28,112,330 | 6,142 |
| Average earning assets | $27,015,670 | 6,100 |
| Average equity | $2,336,330 | 6,224 |
| Average total loans | $13,847,000 | 6,067 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5668% | 4,785 |
| Cost of funding earning assets | 0.7633% | 610 |
| Net interest margin | 2.8036% | 5,631 |
| Noninterest income to average assets | 0.1981% | 5,530 |
| Noninterest expense to average assets | 1.8674% | 5,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7187% | 3,707 |
| Return on assets (ROA) | 0.6790% | 4,022 |
| Pretax return on assets | 0.9761% | 3,575 |
| Return on Equity (ROE) | 8.1789% | 2,868 |
| Retained earnings to average equity (ytd only) | 3.0671% | 4,140 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3902% | 4,420 |
| Assets per employee ($millions) | 9.3577% | 319 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 1,573 |
| 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 | 47.5688% | 5,077 |
| Net loans and leases to deposits | 52.3317% | 5,312 |
| Net loans and leases to core deposits | 55.6741% | 5,274 |
| Total domestic deposits to total assets | 90.8987% | 403 |
| Equity capital to assets | 8.3425% | 5,844 |
| Core capital (leverage) ratio | 8.2242% | 5,791 |
| Tier 1 risk-based capital ratio | 15.1380% | 3,360 |
| Total risk-based capital ratio | 16.3855% | 3,281 |
| Memoranda: | ||
| Average total assets | $28,275,000 | 6,201 |
| Average earning assets | $27,251,000 | 6,157 |
| Average equity | $2,347,500 | 6,286 |
| Average total loans | $13,679,500 | 6,129 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5169% | 5,277 |
| Cost of funding earning assets | 0.7939% | 670 |
| Net interest margin | 2.7230% | 5,910 |
| Noninterest income to average assets | 0.5362% | 3,263 |
| Noninterest expense to average assets | 2.0482% | 5,679 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7685% | 3,523 |
| Return on assets (ROA) | 0.7685% | 3,630 |
| Pretax return on assets | 1.1117% | 3,039 |
| Return on Equity (ROE) | 9.5581% | 2,310 |
| Retained earnings to average equity (ytd only) | 7.3353% | 1,258 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8190% | 4,433 |
| Assets per employee ($millions) | 7.1193% | 794 |
| Cash dividends to net income (ytd only)* | 23.2558% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7436% | 1,673 |
| 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 | 47.4945% | 5,203 |
| Net loans and leases to deposits | 54.9060% | 5,255 |
| Net loans and leases to core deposits | 58.5371% | 5,228 |
| Total domestic deposits to total assets | 86.5014% | 2,568 |
| Equity capital to assets | 8.2628% | 5,920 |
| Core capital (leverage) ratio | 8.3680% | 5,705 |
| Tier 1 risk-based capital ratio | 14.2321% | 3,937 |
| Total risk-based capital ratio | 15.4842% | 3,870 |
| Memoranda: | ||
| Average total assets | $27,976,400 | 6,291 |
| Average earning assets | $26,955,200 | 6,245 |
| Average equity | $2,249,400 | 6,377 |
| Average total loans | $12,794,600 | 6,236 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5141% | 5,362 |
| Cost of funding earning assets | 0.8002% | 684 |
| Net interest margin | 2.7139% | 5,989 |
| Noninterest income to average assets | 0.4260% | 4,055 |
| Noninterest expense to average assets | 1.9963% | 5,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7324% | 3,772 |
| Return on assets (ROA) | 0.7324% | 3,875 |
| Pretax return on assets | 1.0436% | 3,409 |
| Return on Equity (ROE) | 9.1743% | 2,594 |
| Retained earnings to average equity (ytd only) | 6.1763% | 2,287 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6693% | 4,264 |
| Assets per employee ($millions) | 9.3057% | 295 |
| Cash dividends to net income (ytd only)* | 32.6830% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9335% | 1,386 |
| 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 | 43.6043% | 5,545 |
| Net loans and leases to deposits | 47.6886% | 5,783 |
| Net loans and leases to core deposits | 50.7187% | 5,755 |
| Total domestic deposits to total assets | 91.4353% | 249 |
| Equity capital to assets | 8.2065% | 6,010 |
| Core capital (leverage) ratio | 8.1519% | 5,970 |
| Tier 1 risk-based capital ratio | 15.0565% | 3,555 |
| Total risk-based capital ratio | 16.3118% | 3,487 |
| Memoranda: | ||
| Average total assets | $27,851,250 | 6,370 |
| Average earning assets | $26,824,250 | 6,320 |
| Average equity | $2,223,500 | 6,456 |
| Average total loans | $12,552,000 | 6,313 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5208% | 5,367 |
| Cost of funding earning assets | 0.7998% | 703 |
| Net interest margin | 2.7210% | 6,024 |
| Noninterest income to average assets | 0.2659% | 5,300 |
| Noninterest expense to average assets | 1.9907% | 5,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6468% | 4,117 |
| Return on assets (ROA) | 0.6468% | 4,219 |
| Pretax return on assets | 0.8911% | 3,919 |
| Return on Equity (ROE) | 8.1781% | 3,004 |
| Retained earnings to average equity (ytd only) | 3.6347% | 3,877 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0773% | 3,822 |
| Assets per employee ($millions) | 9.1937% | 305 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9377% | 1,487 |
| 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 | 44.0376% | 5,531 |
| Net loans and leases to deposits | 48.0421% | 5,768 |
| Net loans and leases to core deposits | 51.1195% | 5,728 |
| Total domestic deposits to total assets | 91.6646% | 225 |
| Equity capital to assets | 8.0780% | 6,113 |
| Core capital (leverage) ratio | 7.9393% | 6,138 |
| Tier 1 risk-based capital ratio | 14.5213% | 3,915 |
| Total risk-based capital ratio | 15.7727% | 3,855 |
| Memoranda: | ||
| Average total assets | $27,829,330 | 6,431 |
| Average earning assets | $26,755,330 | 6,384 |
| Average equity | $2,201,000 | 6,516 |
| Average total loans | $12,598,330 | 6,367 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4712% | 5,499 |
| Cost of funding earning assets | 0.8011% | 741 |
| Net interest margin | 2.6702% | 6,141 |
| Noninterest income to average assets | 0.4722% | 3,615 |
| Noninterest expense to average assets | 2.0606% | 5,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7012% | 3,682 |
| Return on assets (ROA) | 0.7012% | 3,761 |
| Pretax return on assets | 0.9874% | 3,373 |
| Return on Equity (ROE) | 8.9600% | 2,484 |
| Retained earnings to average equity (ytd only) | -0.1829% | 5,589 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6056% | 4,249 |
| Assets per employee ($millions) | 9.6060% | 267 |
| Cash dividends to net income (ytd only)* | 102.0408% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8753% | 1,821 |
| 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 | 43.5769% | 5,549 |
| Net loans and leases to deposits | 47.2905% | 5,776 |
| Net loans and leases to core deposits | 50.1598% | 5,753 |
| Total domestic deposits to total assets | 92.1473% | 213 |
| Equity capital to assets | 7.5890% | 6,282 |
| Core capital (leverage) ratio | 7.8065% | 6,216 |
| Tier 1 risk-based capital ratio | 13.6841% | 4,549 |
| Total risk-based capital ratio | 14.9356% | 4,505 |
| Memoranda: | ||
| Average total assets | $27,953,500 | 6,494 |
| Average earning assets | $26,964,500 | 6,441 |
| Average equity | $2,187,500 | 6,576 |
| Average total loans | $12,704,500 | 6,430 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5891% | 5,433 |
| Cost of funding earning assets | 0.8670% | 875 |
| Net interest margin | 2.7221% | 6,109 |
| Noninterest income to average assets | 0.3851% | 4,552 |
| Noninterest expense to average assets | 2.1049% | 5,822 |
| Loan and lease loss provision to assets | 0.0037% | 5,038 |
| Net operating income to assets | 0.6842% | 3,879 |
| Return on assets (ROA) | 0.6842% | 3,969 |
| Pretax return on assets | 0.8823% | 3,836 |
| Return on Equity (ROE) | 8.7351% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.7351% | 840 |
| Net charge-offs to loans | 0.0082% | 5,289 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 192 |
| Efficiency ratio | 70.3750% | 3,779 |
| Assets per employee ($millions) | 9.0297% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9031% | 1,774 |
| 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 | 45.6680% | 5,522 |
| Net loans and leases to deposits | 49.9859% | 5,771 |
| Net loans and leases to core deposits | 53.2475% | 5,719 |
| Total domestic deposits to total assets | 91.3618% | 452 |
| Equity capital to assets | 8.0771% | 5,961 |
| Core capital (leverage) ratio | 7.9642% | 6,160 |
| Tier 1 risk-based capital ratio | 13.8280% | 4,413 |
| Total risk-based capital ratio | 15.0793% | 4,366 |
| Memoranda: | ||
| Average total assets | $26,747,400 | 6,589 |
| Average earning assets | $25,605,000 | 6,537 |
| Average equity | $2,095,000 | 6,671 |
| Average total loans | $12,237,800 | 6,509 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6693% | 5,254 |
| Cost of funding earning assets | 0.8689% | 953 |
| Net interest margin | 2.8004% | 6,018 |
| Noninterest income to average assets | 0.3301% | 5,048 |
| Noninterest expense to average assets | 2.0703% | 5,890 |
| Loan and lease loss provision to assets | 0.0050% | 4,867 |
| Net operating income to assets | 0.7151% | 3,783 |
| Return on assets (ROA) | 0.7151% | 3,913 |
| Pretax return on assets | 0.9301% | 3,762 |
| Return on Equity (ROE) | 9.2028% | 2,537 |
| Retained earnings to average equity (ytd only) | 9.2028% | 1,000 |
| Net charge-offs to loans | 0.0110% | 4,927 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 187.4662% | 309 |
| Efficiency ratio | 68.8852% | 3,937 |
| Assets per employee ($millions) | 9.3350% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8168% | 2,252 |
| 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 | 46.3132% | 5,517 |
| Net loans and leases to deposits | 53.5221% | 5,576 |
| Net loans and leases to core deposits | 57.0838% | 5,520 |
| Total domestic deposits to total assets | 86.5310% | 2,946 |
| Equity capital to assets | 7.6701% | 6,317 |
| Core capital (leverage) ratio | 7.9647% | 6,245 |
| Tier 1 risk-based capital ratio | 13.3020% | 4,901 |
| Total risk-based capital ratio | 14.5529% | 4,839 |
| Memoranda: | ||
| Average total assets | $26,662,000 | 6,663 |
| Average earning assets | $25,471,750 | 6,617 |
| Average equity | $2,071,750 | 6,759 |
| Average total loans | $12,144,500 | 6,581 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5954% | 5,447 |
| Cost of funding earning assets | 0.8709% | 1,026 |
| Net interest margin | 2.7245% | 6,139 |
| Noninterest income to average assets | 0.2518% | 5,646 |
| Noninterest expense to average assets | 2.0752% | 5,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6256% | 4,176 |
| Return on assets (ROA) | 0.6256% | 4,333 |
| Pretax return on assets | 0.7782% | 4,397 |
| Return on Equity (ROE) | 8.0143% | 3,092 |
| Retained earnings to average equity (ytd only) | 8.0143% | 1,481 |
| Net charge-offs to loans | 0.0170% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 454 |
| Efficiency ratio | 72.7273% | 3,351 |
| Assets per employee ($millions) | 8.8780% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9910% | 1,872 |
| 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 | 44.1729% | 5,724 |
| Net loans and leases to deposits | 49.6623% | 5,867 |
| Net loans and leases to core deposits | 53.0409% | 5,812 |
| Total domestic deposits to total assets | 88.9465% | 1,661 |
| Equity capital to assets | 7.8358% | 6,304 |
| Core capital (leverage) ratio | 7.9925% | 6,193 |
| Tier 1 risk-based capital ratio | 13.7892% | 4,577 |
| Total risk-based capital ratio | 15.0446% | 4,539 |
| Memoranda: | ||
| Average total assets | $26,214,330 | 6,725 |
| Average earning assets | $25,032,330 | 6,676 |
| Average equity | $2,046,330 | 6,809 |
| Average total loans | $11,789,330 | 6,639 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 5,577 |
| Cost of funding earning assets | 0.8716% | 1,137 |
| Net interest margin | 2.6793% | 6,252 |
| Noninterest income to average assets | 0.3692% | 4,714 |
| Noninterest expense to average assets | 2.1227% | 5,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6460% | 3,984 |
| Return on assets (ROA) | 0.6460% | 4,143 |
| Pretax return on assets | 0.7999% | 4,167 |
| Return on Equity (ROE) | 8.2922% | 2,823 |
| Retained earnings to average equity (ytd only) | 8.2922% | 1,645 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6316% | 3,495 |
| Assets per employee ($millions) | 9.0303% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1254% | 1,741 |
| 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 | 40.7958% | 5,935 |
| Net loans and leases to deposits | 44.2753% | 6,184 |
| Net loans and leases to core deposits | 47.1180% | 6,146 |
| Total domestic deposits to total assets | 92.1413% | 224 |
| Equity capital to assets | 7.5560% | 6,574 |
| Core capital (leverage) ratio | 7.8279% | 6,264 |
| Tier 1 risk-based capital ratio | 14.0629% | 4,464 |
| Total risk-based capital ratio | 15.3201% | 4,415 |
| Memoranda: | ||
| Average total assets | $26,004,500 | 6,798 |
| Average earning assets | $24,783,000 | 6,751 |
| Average equity | $2,026,000 | 6,876 |
| Average total loans | $11,682,000 | 6,713 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1814% | 4,658 |
| Cost of funding earning assets | 0.9425% | 1,688 |
| Net interest margin | 3.2389% | 5,461 |
| Noninterest income to average assets | 0.6204% | 3,162 |
| Noninterest expense to average assets | 2.3725% | 5,484 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0940% | 1,956 |
| Return on assets (ROA) | 1.0940% | 2,139 |
| Pretax return on assets | 1.3162% | 2,336 |
| Return on Equity (ROE) | 13.6821% | 1,059 |
| Retained earnings to average equity (ytd only) | 8.9641% | 836 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3182% | 4,827 |
| Assets per employee ($millions) | 6.2295% | 1,146 |
| Cash dividends to net income (ytd only)* | 34.4828% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9881% | 2,042 |
| 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 | 47.4837% | 5,464 |
| Net loans and leases to deposits | 53.7305% | 5,676 |
| Net loans and leases to core deposits | 55.7903% | 5,728 |
| Total domestic deposits to total assets | 88.3739% | 1,980 |
| Equity capital to assets | 8.0464% | 6,382 |
| Core capital (leverage) ratio | 8.1720% | 6,025 |
| Tier 1 risk-based capital ratio | 13.8333% | 4,514 |
| Total risk-based capital ratio | 15.0890% | 4,462 |
| Memoranda: | ||
| Average total assets | $23,856,600 | 6,896 |
| Average earning assets | $22,600,000 | 6,852 |
| Average equity | $1,907,600 | 6,964 |
| Average total loans | $12,136,800 | 6,776 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 4,793 |
| Cost of funding earning assets | 0.9458% | 1,873 |
| Net interest margin | 3.2625% | 5,506 |
| Noninterest income to average assets | 0.7064% | 2,678 |
| Noninterest expense to average assets | 2.4302% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1642% | 1,850 |
| Return on assets (ROA) | 1.1642% | 2,047 |
| Pretax return on assets | 1.3564% | 2,389 |
| Return on Equity (ROE) | 14.5844% | 981 |
| Retained earnings to average equity (ytd only) | 11.3984% | 631 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1791% | 4,781 |
| Assets per employee ($millions) | 5.9318% | 1,294 |
| Cash dividends to net income (ytd only)* | 21.8452% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8938% | 2,497 |
| 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 | 52.4002% | 4,993 |
| Net loans and leases to deposits | 57.4883% | 5,483 |
| Net loans and leases to core deposits | 59.7310% | 5,585 |
| Total domestic deposits to total assets | 91.1493% | 374 |
| Equity capital to assets | 8.4081% | 6,341 |
| Core capital (leverage) ratio | 8.3122% | 5,990 |
| Tier 1 risk-based capital ratio | 13.5816% | 4,832 |
| Total risk-based capital ratio | 14.8342% | 4,788 |
| Memoranda: | ||
| Average total assets | $23,591,250 | 6,990 |
| Average earning assets | $22,273,000 | 6,945 |
| Average equity | $1,883,250 | 7,061 |
| Average total loans | $12,153,000 | 6,864 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 4,978 |
| Cost of funding earning assets | 0.9517% | 2,053 |
| Net interest margin | 3.2410% | 5,619 |
| Noninterest income to average assets | 0.2378% | 5,863 |
| Noninterest expense to average assets | 2.4038% | 5,448 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7220% | 3,741 |
| Return on assets (ROA) | 0.7220% | 4,021 |
| Pretax return on assets | 0.9004% | 4,077 |
| Return on Equity (ROE) | 9.2091% | 2,711 |
| Retained earnings to average equity (ytd only) | 4.3337% | 3,730 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7506% | 3,288 |
| Assets per employee ($millions) | 6.0298% | 1,211 |
| Cash dividends to net income (ytd only)* | 52.9412% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0085% | 2,205 |
| 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 | 48.5468% | 5,558 |
| Net loans and leases to deposits | 52.8361% | 5,969 |
| Net loans and leases to core deposits | 54.8405% | 6,035 |
| Total domestic deposits to total assets | 91.8819% | 242 |
| Equity capital to assets | 7.7698% | 6,685 |
| Core capital (leverage) ratio | 7.8269% | 6,426 |
| Tier 1 risk-based capital ratio | 13.1269% | 5,096 |
| Total risk-based capital ratio | 14.3808% | 5,065 |
| Memoranda: | ||
| Average total assets | $23,546,000 | 7,050 |
| Average earning assets | $22,277,000 | 7,004 |
| Average equity | $1,846,000 | 7,116 |
| Average total loans | $11,979,670 | 6,927 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 5,028 |
| Cost of funding earning assets | 0.9827% | 2,086 |
| Net interest margin | 3.2393% | 5,667 |
| Noninterest income to average assets | 0.3439% | 5,106 |
| Noninterest expense to average assets | 2.5280% | 5,064 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7051% | 3,861 |
| Return on assets (ROA) | 0.7051% | 4,080 |
| Pretax return on assets | 0.8771% | 4,121 |
| Return on Equity (ROE) | 8.9520% | 2,858 |
| Retained earnings to average equity (ytd only) | -0.8734% | 6,136 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2424% | 3,063 |
| Assets per employee ($millions) | 5.8493% | 1,384 |
| Cash dividends to net income (ytd only)* | 109.7561% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1086% | 2,083 |
| 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 | 47.6215% | 5,606 |
| Net loans and leases to deposits | 51.8377% | 5,987 |
| Net loans and leases to core deposits | 53.8651% | 6,067 |
| Total domestic deposits to total assets | 91.8665% | 292 |
| Equity capital to assets | 7.8215% | 6,627 |
| Core capital (leverage) ratio | 7.7457% | 6,453 |
| Tier 1 risk-based capital ratio | 13.2888% | 4,995 |
| Total risk-based capital ratio | 14.5451% | 4,977 |
| Memoranda: | ||
| Average total assets | $23,259,500 | 7,117 |
| Average earning assets | $21,980,000 | 7,077 |
| Average equity | $1,832,000 | 7,175 |
| Average total loans | $11,995,000 | 6,986 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 5,068 |
| Cost of funding earning assets | 1.1726% | 2,206 |
| Net interest margin | 3.3283% | 5,730 |
| Noninterest income to average assets | 0.2977% | 5,397 |
| Noninterest expense to average assets | 2.4851% | 5,518 |
| Loan and lease loss provision to assets | 0.0345% | 6,133 |
| Net operating income to assets | 0.7507% | 3,258 |
| Return on assets (ROA) | 0.7507% | 3,424 |
| Pretax return on assets | 0.9621% | 3,384 |
| Return on Equity (ROE) | 9.9691% | 2,068 |
| Retained earnings to average equity (ytd only) | 7.6773% | 1,200 |
| Net charge-offs to loans | 0.0083% | 6,315 |
| Credit loss provision to net charge-offs | 800.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 146 |
| Efficiency ratio | 71.3755% | 3,717 |
| Assets per employee ($millions) | 5.7805% | 1,391 |
| Cash dividends to net income (ytd only)* | 22.9885% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 2,557 |
| 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 | 53.4902% | 5,109 |
| Net loans and leases to deposits | 58.2270% | 5,676 |
| Net loans and leases to core deposits | 62.0665% | 5,647 |
| Total domestic deposits to total assets | 91.8649% | 255 |
| Equity capital to assets | 7.9318% | 6,616 |
| Core capital (leverage) ratio | 7.8363% | 6,413 |
| Tier 1 risk-based capital ratio | 12.8144% | 5,233 |
| Total risk-based capital ratio | 14.0721% | 5,204 |
| Memoranda: | ||
| Average total assets | $23,178,000 | 7,143 |
| Average earning assets | $22,173,400 | 7,102 |
| Average equity | $1,745,400 | 7,247 |
| Average total loans | $12,003,000 | 7,031 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7588% | 4,195 |
| Cost of funding earning assets | 1.1957% | 2,339 |
| Net interest margin | 3.5631% | 4,925 |
| Noninterest income to average assets | 0.0575% | 6,926 |
| Noninterest expense to average assets | 2.5295% | 5,354 |
| Loan and lease loss provision to assets | 0.0345% | 6,005 |
| Net operating income to assets | 0.6669% | 3,789 |
| Return on assets (ROA) | 0.6669% | 3,962 |
| Pretax return on assets | 0.9026% | 3,755 |
| Return on Equity (ROE) | 8.9749% | 2,610 |
| Retained earnings to average equity (ytd only) | 5.8802% | 2,631 |
| Net charge-offs to loans | 0.0112% | 5,997 |
| Credit loss provision to net charge-offs | 600.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 163.4060% | 238 |
| Efficiency ratio | 72.9685% | 3,366 |
| Assets per employee ($millions) | 5.6750% | 1,439 |
| Cash dividends to net income (ytd only)* | 34.4821% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9025% | 2,602 |
| 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 | 54.0617% | 5,154 |
| Net loans and leases to deposits | 58.9037% | 5,758 |
| Net loans and leases to core deposits | 62.8560% | 5,728 |
| Total domestic deposits to total assets | 91.7797% | 244 |
| Equity capital to assets | 7.8238% | 6,792 |
| Core capital (leverage) ratio | 7.5694% | 6,723 |
| Tier 1 risk-based capital ratio | 12.9418% | 5,141 |
| Total risk-based capital ratio | 14.1951% | 5,107 |
| Memoranda: | ||
| Average total assets | $23,192,000 | 7,216 |
| Average earning assets | $22,190,000 | 7,173 |
| Average equity | $1,723,250 | 7,324 |
| Average total loans | $11,851,750 | 7,108 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6159% | 4,902 |
| Cost of funding earning assets | 1.2049% | 2,545 |
| Net interest margin | 3.4110% | 5,518 |
| Noninterest income to average assets | 0.0599% | 7,004 |
| Noninterest expense to average assets | 2.5604% | 5,325 |
| Loan and lease loss provision to assets | 0.0514% | 5,669 |
| Net operating income to assets | 0.5652% | 4,239 |
| Return on assets (ROA) | 0.5652% | 4,362 |
| Pretax return on assets | 0.7450% | 4,230 |
| Return on Equity (ROE) | 7.7389% | 3,079 |
| Retained earnings to average equity (ytd only) | 3.0487% | 4,340 |
| Net charge-offs to loans | 0.0172% | 5,599 |
| Credit loss provision to net charge-offs | 600.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 386 |
| Efficiency ratio | 76.2755% | 2,968 |
| Assets per employee ($millions) | 5.9538% | 1,213 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0079% | 2,350 |
| 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 | 48.7718% | 5,977 |
| Net loans and leases to deposits | 53.8454% | 6,312 |
| Net loans and leases to core deposits | 57.3184% | 6,324 |
| Total domestic deposits to total assets | 90.5774% | 687 |
| Equity capital to assets | 7.2475% | 7,044 |
| Core capital (leverage) ratio | 7.2527% | 6,892 |
| Tier 1 risk-based capital ratio | 12.6781% | 5,195 |
| Total risk-based capital ratio | 13.9342% | 5,160 |
| Memoranda: | ||
| Average total assets | $23,356,000 | 7,280 |
| Average earning assets | $22,574,330 | 7,231 |
| Average equity | $1,705,670 | 7,397 |
| Average total loans | $11,632,330 | 7,184 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 4,687 |
| Cost of funding earning assets | 1.2326% | 2,612 |
| Net interest margin | 3.4299% | 5,302 |
| Noninterest income to average assets | 0.0519% | 7,127 |
| Noninterest expense to average assets | 2.5944% | 5,250 |
| Loan and lease loss provision to assets | 0.0692% | 5,126 |
| Net operating income to assets | 0.5362% | 4,326 |
| Return on assets (ROA) | 0.5362% | 4,409 |
| Pretax return on assets | 0.7091% | 4,270 |
| Return on Equity (ROE) | 7.3135% | 3,242 |
| Retained earnings to average equity (ytd only) | -2.1233% | 6,164 |
| Net charge-offs to loans | 0.0347% | 4,610 |
| Credit loss provision to net charge-offs | 400.0000% | 835 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 626 |
| Efficiency ratio | 76.9231% | 2,994 |
| Assets per employee ($millions) | 5.8873% | 1,277 |
| Cash dividends to net income (ytd only)* | 129.0323% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0892% | 2,214 |
| 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 | 46.9659% | 6,197 |
| Net loans and leases to deposits | 50.7549% | 6,570 |
| Net loans and leases to core deposits | 52.6968% | 6,644 |
| Total domestic deposits to total assets | 92.5347% | 176 |
| Equity capital to assets | 7.1808% | 7,024 |
| Core capital (leverage) ratio | 7.2280% | 6,904 |
| Tier 1 risk-based capital ratio | 12.8535% | 4,941 |
| Total risk-based capital ratio | 14.1076% | 4,910 |
| Memoranda: | ||
| Average total assets | $23,126,500 | 7,339 |
| Average earning assets | $22,391,500 | 7,286 |
| Average equity | $1,695,500 | 7,449 |
| Average total loans | $11,522,000 | 7,248 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9848% | 4,630 |
| Cost of funding earning assets | 1.3923% | 3,321 |
| Net interest margin | 3.5925% | 4,858 |
| Noninterest income to average assets | 0.1370% | 6,704 |
| Noninterest expense to average assets | 2.7040% | 4,972 |
| Loan and lease loss provision to assets | 0.1233% | 5,929 |
| Net operating income to assets | 0.5983% | 3,677 |
| Return on assets (ROA) | 0.5983% | 3,841 |
| Pretax return on assets | 0.7628% | 3,750 |
| Return on Equity (ROE) | 7.9888% | 2,700 |
| Retained earnings to average equity (ytd only) | 4.9396% | 2,449 |
| Net charge-offs to loans | 0.2662% | 4,702 |
| Credit loss provision to net charge-offs | 84.3750% | 5,370 |
| Earnings coverage of net charge-offs (x) | 6.0625% | 2,452 |
| Efficiency ratio | 75.3181% | 3,146 |
| Assets per employee ($millions) | 5.6760% | 1,442 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9833% | 2,346 |
| 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 | 50.7179% | 6,079 |
| Net loans and leases to deposits | 54.9563% | 6,523 |
| Net loans and leases to core deposits | 57.1436% | 6,626 |
| Total domestic deposits to total assets | 92.2877% | 220 |
| Equity capital to assets | 7.4877% | 6,884 |
| Core capital (leverage) ratio | 7.5683% | 6,644 |
| Tier 1 risk-based capital ratio | 12.8176% | 4,762 |
| Total risk-based capital ratio | 14.0768% | 4,716 |
| Memoranda: | ||
| Average total assets | $21,893,800 | 7,425 |
| Average earning assets | $21,044,000 | 7,375 |
| Average equity | $1,639,800 | 7,559 |
| Average total loans | $12,021,600 | 7,305 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 4,758 |
| Cost of funding earning assets | 1.4291% | 3,394 |
| Net interest margin | 3.5824% | 4,958 |
| Noninterest income to average assets | 0.1844% | 6,561 |
| Noninterest expense to average assets | 2.7722% | 4,590 |
| Loan and lease loss provision to assets | 0.1660% | 5,383 |
| Net operating income to assets | 0.5593% | 4,055 |
| Return on assets (ROA) | 0.5593% | 4,221 |
| Pretax return on assets | 0.6823% | 4,295 |
| Return on Equity (ROE) | 7.4676% | 3,119 |
| Retained earnings to average equity (ytd only) | 3.3648% | 4,080 |
| Net charge-offs to loans | 0.3529% | 3,891 |
| Credit loss provision to net charge-offs | 84.3750% | 4,984 |
| Earnings coverage of net charge-offs (x) | 4.3122% | 3,106 |
| Efficiency ratio | 76.5705% | 2,840 |
| Assets per employee ($millions) | 5.4640% | 1,660 |
| Cash dividends to net income (ytd only)* | 54.9493% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8991% | 2,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 6,309 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 55.0695% | 5,688 |
| Net loans and leases to deposits | 59.8330% | 6,330 |
| Net loans and leases to core deposits | 62.3110% | 6,431 |
| Total domestic deposits to total assets | 92.0388% | 185 |
| Equity capital to assets | 7.5952% | 7,066 |
| Core capital (leverage) ratio | 7.4971% | 6,847 |
| Tier 1 risk-based capital ratio | 12.3530% | 5,117 |
| Total risk-based capital ratio | 13.6107% | 5,084 |
| Memoranda: | ||
| Average total assets | $21,691,250 | 7,520 |
| Average earning assets | $20,805,000 | 7,473 |
| Average equity | $1,624,750 | 7,660 |
| Average total loans | $12,090,000 | 7,398 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9019% | 5,374 |
| Cost of funding earning assets | 1.4764% | 3,389 |
| Net interest margin | 3.4255% | 5,531 |
| Noninterest income to average assets | 0.2218% | 6,328 |
| Noninterest expense to average assets | 2.7916% | 4,523 |
| Loan and lease loss provision to assets | 0.0647% | 6,305 |
| Net operating income to assets | 0.5546% | 4,067 |
| Return on assets (ROA) | 0.5546% | 4,209 |
| Pretax return on assets | 0.6471% | 4,411 |
| Return on Equity (ROE) | 7.4396% | 3,132 |
| Retained earnings to average equity (ytd only) | 1.2399% | 5,256 |
| Net charge-offs to loans | 0.1164% | 5,010 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,813 |
| Efficiency ratio | 79.6834% | 2,480 |
| Assets per employee ($millions) | 5.6758% | 1,462 |
| Cash dividends to net income (ytd only)* | 83.3333% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9558% | 2,289 |
| 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 | 52.5525% | 6,157 |
| Net loans and leases to deposits | 56.7899% | 6,669 |
| Net loans and leases to core deposits | 57.6126% | 6,857 |
| Total domestic deposits to total assets | 92.5384% | 147 |
| Equity capital to assets | 7.1753% | 7,285 |
| Core capital (leverage) ratio | 7.4133% | 6,907 |
| Tier 1 risk-based capital ratio | 12.1016% | 5,226 |
| Total risk-based capital ratio | 13.3571% | 5,187 |
| Memoranda: | ||
| Average total assets | $21,636,330 | 7,586 |
| Average earning assets | $20,726,670 | 7,539 |
| Average equity | $1,613,000 | 7,728 |
| Average total loans | $12,030,330 | 7,456 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0113% | 4,970 |
| Cost of funding earning assets | 1.5710% | 3,133 |
| Net interest margin | 3.4403% | 5,426 |
| Noninterest income to average assets | 0.0948% | 7,231 |
| Noninterest expense to average assets | 2.6537% | 5,133 |
| Loan and lease loss provision to assets | 0.1327% | 5,243 |
| Net operating income to assets | 0.4170% | 4,765 |
| Return on assets (ROA) | 0.4170% | 4,907 |
| Pretax return on assets | 0.5876% | 4,662 |
| Return on Equity (ROE) | 5.4829% | 4,112 |
| Retained earnings to average equity (ytd only) | -6.9782% | 6,738 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6517% | 2,784 |
| Assets per employee ($millions) | 5.2923% | 1,872 |
| Cash dividends to net income (ytd only)* | 227.2727% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0817% | 1,992 |
| 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 | 54.4381% | 5,973 |
| Net loans and leases to deposits | 59.0581% | 6,548 |
| Net loans and leases to core deposits | 59.9802% | 6,755 |
| Total domestic deposits to total assets | 92.1772% | 212 |
| Equity capital to assets | 7.5157% | 7,062 |
| Core capital (leverage) ratio | 7.5001% | 6,853 |
| Tier 1 risk-based capital ratio | 12.4951% | 4,759 |
| Total risk-based capital ratio | 13.7517% | 4,700 |
| Memoranda: | ||
| Average total assets | $21,103,000 | 7,697 |
| Average earning assets | $20,114,500 | 7,644 |
| Average equity | $1,605,000 | 7,819 |
| Average total loans | $11,961,000 | 7,552 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3794% | 4,793 |
| Cost of funding earning assets | 1.9358% | 3,274 |
| Net interest margin | 3.4436% | 5,201 |
| Noninterest income to average assets | 0.1073% | 7,228 |
| Noninterest expense to average assets | 2.6669% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5558% | 3,502 |
| Return on assets (ROA) | 0.5558% | 3,590 |
| Pretax return on assets | 0.7362% | 3,455 |
| Return on Equity (ROE) | 7.2769% | 2,677 |
| Retained earnings to average equity (ytd only) | 4.0853% | 2,359 |
| Net charge-offs to loans | -0.0421% | 7,838 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3668% | 3,134 |
| Assets per employee ($millions) | 5.2593% | 1,876 |
| Cash dividends to net income (ytd only)* | 43.8596% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9584% | 2,115 |
| 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 | 56.6383% | 5,880 |
| Net loans and leases to deposits | 61.5349% | 6,513 |
| Net loans and leases to core deposits | 69.9073% | 6,776 |
| Total domestic deposits to total assets | 92.0426% | 261 |
| Equity capital to assets | 7.6960% | 6,863 |
| Core capital (leverage) ratio | 7.6440% | 6,624 |
| Tier 1 risk-based capital ratio | 12.4080% | 4,587 |
| Total risk-based capital ratio | 13.6649% | 4,542 |
| Memoranda: | ||
| Average total assets | $20,510,600 | 7,761 |
| Average earning assets | $19,630,600 | 7,721 |
| Average equity | $1,566,600 | 7,915 |
| Average total loans | $11,890,200 | 7,609 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3790% | 5,049 |
| Cost of funding earning assets | 2.0094% | 3,308 |
| Net interest margin | 3.3696% | 5,382 |
| Noninterest income to average assets | 0.1047% | 7,385 |
| Noninterest expense to average assets | 2.7086% | 5,281 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4841% | 4,059 |
| Return on assets (ROA) | 0.4841% | 4,152 |
| Pretax return on assets | 0.6215% | 4,122 |
| Return on Equity (ROE) | 6.3508% | 3,372 |
| Retained earnings to average equity (ytd only) | 2.0599% | 4,175 |
| Net charge-offs to loans | -0.0564% | 7,867 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3360% | 2,671 |
| Assets per employee ($millions) | 5.1993% | 1,893 |
| Cash dividends to net income (ytd only)* | 67.5755% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9204% | 1,977 |
| 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 | 58.4459% | 5,821 |
| Net loans and leases to deposits | 63.5423% | 6,539 |
| Net loans and leases to core deposits | 72.7104% | 6,796 |
| Total domestic deposits to total assets | 91.9796% | 181 |
| Equity capital to assets | 7.5924% | 7,227 |
| Core capital (leverage) ratio | 7.5223% | 6,945 |
| Tier 1 risk-based capital ratio | 12.0700% | 4,907 |
| Total risk-based capital ratio | 13.3237% | 4,843 |
| Memoranda: | ||
| Average total assets | $20,379,000 | 7,839 |
| Average earning assets | $19,507,500 | 7,796 |
| Average equity | $1,553,500 | 8,004 |
| Average total loans | $11,824,500 | 7,685 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3249% | 5,530 |
| Cost of funding earning assets | 2.0846% | 3,341 |
| Net interest margin | 3.2403% | 5,771 |
| Noninterest income to average assets | 0.1087% | 7,438 |
| Noninterest expense to average assets | 2.7174% | 5,314 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3953% | 4,531 |
| Return on assets (ROA) | 0.3953% | 4,639 |
| Pretax return on assets | 0.4941% | 4,639 |
| Return on Equity (ROE) | 5.1780% | 4,003 |
| Retained earnings to average equity (ytd only) | -1.2945% | 5,567 |
| Net charge-offs to loans | -0.0859% | 7,927 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 2,408 |
| Assets per employee ($millions) | 5.1210% | 1,944 |
| Cash dividends to net income (ytd only)* | 125.0000% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0295% | 1,517 |
| 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 | 56.0877% | 6,195 |
| Net loans and leases to deposits | 60.9593% | 6,820 |
| Net loans and leases to core deposits | 69.8759% | 7,022 |
| Total domestic deposits to total assets | 92.0084% | 213 |
| Equity capital to assets | 7.5425% | 7,226 |
| Core capital (leverage) ratio | 7.4656% | 7,065 |
| Tier 1 risk-based capital ratio | 12.2668% | 4,705 |
| Total risk-based capital ratio | 13.5212% | 4,618 |
| Memoranda: | ||
| Average total assets | $20,239,670 | 7,918 |
| Average earning assets | $19,380,670 | 7,875 |
| Average equity | $1,545,000 | 8,089 |
| Average total loans | $11,635,000 | 7,772 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4560% | 5,144 |
| Cost of funding earning assets | 2.1949% | 3,191 |
| Net interest margin | 3.2610% | 5,655 |
| Noninterest income to average assets | 0.1193% | 7,426 |
| Noninterest expense to average assets | 2.3661% | 6,316 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5965% | 4,032 |
| Return on assets (ROA) | 0.5965% | 4,225 |
| Pretax return on assets | 0.8550% | 3,872 |
| Return on Equity (ROE) | 7.7670% | 3,258 |
| Retained earnings to average equity (ytd only) | -5.1780% | 6,574 |
| Net charge-offs to loans | -0.1726% | 7,994 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4568% | 3,925 |
| Assets per employee ($millions) | 5.2133% | 1,837 |
| Cash dividends to net income (ytd only)* | 166.6667% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0645% | 1,303 |
| 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 | 54.1409% | 6,450 |
| Net loans and leases to deposits | 58.7623% | 6,988 |
| Net loans and leases to core deposits | 67.1904% | 7,181 |
| Total domestic deposits to total assets | 92.1354% | 162 |
| Equity capital to assets | 7.3611% | 7,445 |
| Core capital (leverage) ratio | 7.6216% | 6,998 |
| Tier 1 risk-based capital ratio | 12.5480% | 4,513 |
| Total risk-based capital ratio | 13.8069% | 4,430 |
| Memoranda: | ||
| Average total assets | $20,117,500 | 7,971 |
| Average earning assets | $19,135,000 | 7,930 |
| Average equity | $1,545,000 | 8,142 |
| Average total loans | $11,589,000 | 7,822 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5435% | 2,747 |
| Cost of funding earning assets | 3.1880% | 1,231 |
| Net interest margin | 3.3555% | 5,846 |
| Noninterest income to average assets | 0.1289% | 7,468 |
| Noninterest expense to average assets | 2.6026% | 5,640 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4362% | 5,003 |
| Return on assets (ROA) | 0.4362% | 4,829 |
| Pretax return on assets | 0.6048% | 4,678 |
| Return on Equity (ROE) | 5.7880% | 4,035 |
| Retained earnings to average equity (ytd only) | 3.1571% | 3,190 |
| Net charge-offs to loans | -0.0422% | 8,012 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1437% | 2,422 |
| Assets per employee ($millions) | 4.8455% | 2,122 |
| Cash dividends to net income (ytd only)* | 45.4545% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 1,221 |
| 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 | 58.9052% | 6,073 |
| Net loans and leases to deposits | 64.4737% | 6,759 |
| Net loans and leases to core deposits | 72.7105% | 7,034 |
| Total domestic deposits to total assets | 91.3631% | 231 |
| Equity capital to assets | 8.0229% | 6,813 |
| Core capital (leverage) ratio | 7.9284% | 6,604 |
| Tier 1 risk-based capital ratio | 13.1434% | 4,036 |
| Total risk-based capital ratio | 14.4028% | 3,934 |
| Memoranda: | ||
| Average total assets | $20,172,000 | 8,008 |
| Average earning assets | $18,507,000 | 7,988 |
| Average equity | $1,520,400 | 8,213 |
| Average total loans | $11,854,800 | 7,838 |