Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8476% | 1,134 |
| Cost of funding earning assets | 0.6248% | 2,077 |
| Net interest margin | 4.2227% | 1,230 |
| Noninterest income to average assets | 0.1465% | 5,093 |
| Noninterest expense to average assets | 2.0142% | 4,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0076% | 2,984 |
| Return on assets (ROA) | 1.8230% | 557 |
| Pretax return on assets | 3.1583% | 94 |
| Return on Equity (ROE) | 17.7760% | 441 |
| Retained earnings to average equity (ytd only) | -55.2771% | 5,531 |
| Net charge-offs to loans | -0.0085% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6475% | 5,083 |
| Assets per employee ($millions) | 9.4298% | 384 |
| Cash dividends to net income (ytd only)* | 410.9641% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 1,327 |
| Loan loss allowance to noncurrent loans | 10,915.3846% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,984 |
| Noncurrent loans to loans | 0.0139% | 4,883 |
| Net loans and leases to total assets | 81.1290% | 838 |
| Net loans and leases to deposits | 95.5237% | 1,192 |
| Net loans and leases to core deposits | 98.6249% | 1,844 |
| Total domestic deposits to total assets | 84.9308% | 2,699 |
| Equity capital to assets | 8.3529% | 5,046 |
| Core capital (leverage) ratio | 8.1932% | 5,266 |
| Tier 1 risk-based capital ratio | 8.6929% | 5,519 |
| Total risk-based capital ratio | 9.9431% | 5,519 |
| Memoranda: | ||
| Average total assets | $116,075,000 | 3,928 |
| Average earning assets | $109,787,330 | 3,876 |
| Average equity | $11,903,670 | 4,100 |
| Average total loans | $93,577,000 | 3,452 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7811% | 1,121 |
| Cost of funding earning assets | 0.6089% | 1,996 |
| Net interest margin | 4.1722% | 1,240 |
| Noninterest income to average assets | 0.1429% | 5,155 |
| Noninterest expense to average assets | 1.5587% | 5,350 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6703% | 731 |
| Return on assets (ROA) | 3.2808% | 72 |
| Pretax return on assets | 4.5638% | 53 |
| Return on Equity (ROE) | 29.3690% | 48 |
| Retained earnings to average equity (ytd only) | 23.8242% | 56 |
| Net charge-offs to loans | -0.0085% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1667% | 5,487 |
| Assets per employee ($millions) | 8.4527% | 535 |
| Cash dividends to net income (ytd only)* | 18.8797% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 1,401 |
| Loan loss allowance to noncurrent loans | 6,747.6190% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 5,030 |
| Noncurrent loans to loans | 0.0225% | 4,881 |
| Net loans and leases to total assets | 77.7045% | 1,283 |
| Net loans and leases to deposits | 91.5084% | 1,502 |
| Net loans and leases to core deposits | 94.3457% | 2,109 |
| Total domestic deposits to total assets | 84.9152% | 2,962 |
| Equity capital to assets | 11.4165% | 2,204 |
| Core capital (leverage) ratio | 11.4568% | 2,045 |
| Tier 1 risk-based capital ratio | 12.3499% | 4,343 |
| Total risk-based capital ratio | 13.6000% | 4,234 |
| Memoranda: | ||
| Average total assets | $117,533,500 | 3,941 |
| Average earning assets | $111,020,500 | 3,905 |
| Average equity | $13,129,500 | 3,946 |
| Average total loans | $93,754,000 | 3,469 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 1,782 |
| Cost of funding earning assets | 0.5333% | 2,083 |
| Net interest margin | 3.9465% | 1,927 |
| Noninterest income to average assets | 0.2068% | 4,904 |
| Noninterest expense to average assets | 1.7199% | 5,312 |
| Loan and lease loss provision to assets | 0.0472% | 3,280 |
| Net operating income to assets | 1.3921% | 1,039 |
| Return on assets (ROA) | 1.3921% | 1,059 |
| Pretax return on assets | 2.1550% | 345 |
| Return on Equity (ROE) | 13.1393% | 921 |
| Retained earnings to average equity (ytd only) | 7.2258% | 1,003 |
| Net charge-offs to loans | 0.0712% | 2,430 |
| Credit loss provision to net charge-offs | 83.3333% | 2,892 |
| Earnings coverage of net charge-offs (x) | 38.8788% | 1,289 |
| Efficiency ratio | 43.8512% | 5,457 |
| Assets per employee ($millions) | 9.7274% | 351 |
| Cash dividends to net income (ytd only)* | 45.0062% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 1,398 |
| Loan loss allowance to noncurrent loans | 269.0114% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 3,063 |
| Noncurrent loans to loans | 0.5588% | 2,824 |
| Net loans and leases to total assets | 79.4336% | 1,047 |
| Net loans and leases to deposits | 97.1491% | 980 |
| Net loans and leases to core deposits | 98.8539% | 1,798 |
| Total domestic deposits to total assets | 81.7646% | 3,923 |
| Equity capital to assets | 10.9219% | 2,711 |
| Core capital (leverage) ratio | 10.7457% | 2,596 |
| Tier 1 risk-based capital ratio | 11.6206% | 4,775 |
| Total risk-based capital ratio | 12.8713% | 4,662 |
| Memoranda: | ||
| Average total assets | $116,517,200 | 3,953 |
| Average earning assets | $109,690,800 | 3,919 |
| Average equity | $12,344,600 | 4,080 |
| Average total loans | $92,712,600 | 3,475 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 1,856 |
| Cost of funding earning assets | 0.5052% | 2,226 |
| Net interest margin | 3.9260% | 1,945 |
| Noninterest income to average assets | 0.1866% | 5,082 |
| Noninterest expense to average assets | 1.5581% | 5,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4928% | 912 |
| Return on assets (ROA) | 1.4928% | 933 |
| Pretax return on assets | 2.3297% | 284 |
| Return on Equity (ROE) | 14.2004% | 794 |
| Retained earnings to average equity (ytd only) | 8.2436% | 1,111 |
| Net charge-offs to loans | 0.0996% | 1,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 29.4921% | 1,571 |
| Efficiency ratio | 40.0766% | 5,580 |
| Assets per employee ($millions) | 8.5779% | 510 |
| Cash dividends to net income (ytd only)* | 41.9482% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,904 |
| Loan loss allowance to noncurrent loans | 6,461.9048% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 5,167 |
| Noncurrent loans to loans | 0.0216% | 5,030 |
| Net loans and leases to total assets | 79.7485% | 1,021 |
| Net loans and leases to deposits | 104.3815% | 483 |
| Net loans and leases to core deposits | 106.2883% | 1,251 |
| Total domestic deposits to total assets | 76.4010% | 4,972 |
| Equity capital to assets | 10.5671% | 3,296 |
| Core capital (leverage) ratio | 10.4950% | 2,991 |
| Tier 1 risk-based capital ratio | 11.2904% | 5,083 |
| Total risk-based capital ratio | 12.4999% | 5,005 |
| Memoranda: | ||
| Average total assets | $116,464,250 | 3,990 |
| Average earning assets | $109,794,750 | 3,958 |
| Average equity | $12,243,500 | 4,136 |
| Average total loans | $92,356,500 | 3,514 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2896% | 2,170 |
| Cost of funding earning assets | 0.4321% | 2,787 |
| Net interest margin | 3.8575% | 2,066 |
| Noninterest income to average assets | 0.1770% | 5,168 |
| Noninterest expense to average assets | 1.5878% | 5,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4385% | 980 |
| Return on assets (ROA) | 1.4385% | 1,011 |
| Pretax return on assets | 2.2298% | 337 |
| Return on Equity (ROE) | 13.7085% | 867 |
| Retained earnings to average equity (ytd only) | 7.6893% | 1,288 |
| Net charge-offs to loans | 0.1586% | 1,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 17.8472% | 1,909 |
| Efficiency ratio | 41.5909% | 5,589 |
| Assets per employee ($millions) | 9.0897% | 412 |
| Cash dividends to net income (ytd only)* | 43.9083% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 1,868 |
| Loan loss allowance to noncurrent loans | 2,603.8462% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 5,061 |
| Noncurrent loans to loans | 0.0545% | 4,916 |
| Net loans and leases to total assets | 79.6456% | 1,001 |
| Net loans and leases to deposits | 100.0064% | 735 |
| Net loans and leases to core deposits | 101.7581% | 1,530 |
| Total domestic deposits to total assets | 79.6405% | 4,494 |
| Equity capital to assets | 10.4819% | 3,372 |
| Core capital (leverage) ratio | 10.7944% | 2,605 |
| Tier 1 risk-based capital ratio | 11.2555% | 5,114 |
| Total risk-based capital ratio | 12.4872% | 5,009 |
| Memoranda: | ||
| Average total assets | $115,255,670 | 4,039 |
| Average earning assets | $108,775,330 | 3,997 |
| Average equity | $12,094,670 | 4,166 |
| Average total loans | $90,766,330 | 3,561 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1524% | 2,464 |
| Cost of funding earning assets | 0.4100% | 2,906 |
| Net interest margin | 3.7424% | 2,340 |
| Noninterest income to average assets | 0.1687% | 5,265 |
| Noninterest expense to average assets | 1.6485% | 5,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3181% | 1,194 |
| Return on assets (ROA) | 1.3181% | 1,228 |
| Pretax return on assets | 2.0492% | 463 |
| Return on Equity (ROE) | 12.5534% | 1,101 |
| Retained earnings to average equity (ytd only) | 6.4608% | 2,105 |
| Net charge-offs to loans | -0.0226% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5817% | 5,577 |
| Assets per employee ($millions) | 7.6565% | 712 |
| Cash dividends to net income (ytd only)* | 48.5333% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 1,362 |
| Loan loss allowance to noncurrent loans | 1,811.3924% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 4,999 |
| Noncurrent loans to loans | 0.0887% | 4,838 |
| Net loans and leases to total assets | 76.3165% | 1,363 |
| Net loans and leases to deposits | 89.6123% | 1,586 |
| Net loans and leases to core deposits | 91.1216% | 2,249 |
| Total domestic deposits to total assets | 85.1630% | 3,021 |
| Equity capital to assets | 10.5156% | 3,168 |
| Core capital (leverage) ratio | 10.6902% | 2,692 |
| Tier 1 risk-based capital ratio | 11.6048% | 4,972 |
| Total risk-based capital ratio | 12.8561% | 4,868 |
| Memoranda: | ||
| Average total assets | $113,799,000 | 4,099 |
| Average earning assets | $107,311,000 | 4,059 |
| Average equity | $11,949,000 | 4,221 |
| Average total loans | $88,415,500 | 3,633 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 2,179 |
| Cost of funding earning assets | 0.3962% | 3,035 |
| Net interest margin | 3.8917% | 1,993 |
| Noninterest income to average assets | 0.1907% | 5,266 |
| Noninterest expense to average assets | 1.7668% | 5,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3333% | 1,132 |
| Return on assets (ROA) | 1.3523% | 1,150 |
| Pretax return on assets | 2.1142% | 391 |
| Return on Equity (ROE) | 12.7615% | 1,052 |
| Retained earnings to average equity (ytd only) | 0.5506% | 5,106 |
| Net charge-offs to loans | -0.0174% | 5,088 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8738% | 5,643 |
| Assets per employee ($millions) | 8.6731% | 470 |
| Cash dividends to net income (ytd only)* | 95.6858% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 1,317 |
| 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 | 76.5641% | 1,428 |
| Net loans and leases to deposits | 90.0552% | 1,676 |
| Net loans and leases to core deposits | 91.3068% | 2,362 |
| Total domestic deposits to total assets | 85.0191% | 3,034 |
| Equity capital to assets | 10.4843% | 3,174 |
| Core capital (leverage) ratio | 10.4976% | 2,886 |
| Tier 1 risk-based capital ratio | 11.4350% | 5,097 |
| Total risk-based capital ratio | 12.6860% | 4,992 |
| Memoranda: | ||
| Average total assets | $114,843,200 | 4,082 |
| Average earning assets | $108,024,000 | 4,041 |
| Average equity | $12,169,400 | 4,228 |
| Average total loans | $91,760,200 | 3,541 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 2,113 |
| Cost of funding earning assets | 0.3989% | 3,032 |
| Net interest margin | 3.9181% | 1,915 |
| Noninterest income to average assets | 0.1838% | 5,361 |
| Noninterest expense to average assets | 1.5833% | 5,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4518% | 974 |
| Return on assets (ROA) | 1.4770% | 963 |
| Pretax return on assets | 2.3288% | 298 |
| Return on Equity (ROE) | 13.9025% | 842 |
| Retained earnings to average equity (ytd only) | 8.1478% | 1,114 |
| Net charge-offs to loans | -0.0201% | 5,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8833% | 5,811 |
| Assets per employee ($millions) | 7.1074% | 853 |
| Cash dividends to net income (ytd only)* | 41.3930% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 1,600 |
| 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 | 79.2742% | 998 |
| Net loans and leases to deposits | 98.9746% | 779 |
| Net loans and leases to core deposits | 100.4233% | 1,592 |
| Total domestic deposits to total assets | 80.0955% | 4,492 |
| Equity capital to assets | 11.0888% | 2,925 |
| Core capital (leverage) ratio | 11.2214% | 2,253 |
| Tier 1 risk-based capital ratio | 11.7567% | 4,946 |
| Total risk-based capital ratio | 13.0078% | 4,844 |
| Memoranda: | ||
| Average total assets | $115,366,500 | 4,103 |
| Average earning assets | $108,621,250 | 4,055 |
| Average equity | $12,256,500 | 4,248 |
| Average total loans | $92,762,250 | 3,533 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 2,096 |
| Cost of funding earning assets | 0.4030% | 3,011 |
| Net interest margin | 3.9161% | 1,927 |
| Noninterest income to average assets | 0.1622% | 5,508 |
| Noninterest expense to average assets | 1.5632% | 5,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4446% | 980 |
| Return on assets (ROA) | 1.4821% | 969 |
| Pretax return on assets | 2.3465% | 282 |
| Return on Equity (ROE) | 14.1531% | 807 |
| Retained earnings to average equity (ytd only) | 8.4523% | 1,027 |
| Net charge-offs to loans | -0.0236% | 5,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5914% | 5,896 |
| Assets per employee ($millions) | 8.7056% | 437 |
| Cash dividends to net income (ytd only)* | 40.2794% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 1,741 |
| 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 | 80.6138% | 810 |
| Net loans and leases to deposits | 96.9883% | 964 |
| Net loans and leases to core deposits | 98.8868% | 1,732 |
| Total domestic deposits to total assets | 83.1170% | 3,608 |
| Equity capital to assets | 10.9726% | 3,093 |
| Core capital (leverage) ratio | 10.8490% | 2,595 |
| Tier 1 risk-based capital ratio | 11.3309% | 5,259 |
| Total risk-based capital ratio | 12.5819% | 5,158 |
| Memoranda: | ||
| Average total assets | $115,916,000 | 4,123 |
| Average earning assets | $109,189,330 | 4,075 |
| Average equity | $12,138,670 | 4,296 |
| Average total loans | $93,158,670 | 3,542 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 2,101 |
| Cost of funding earning assets | 0.4043% | 3,022 |
| Net interest margin | 3.9046% | 1,921 |
| Noninterest income to average assets | 0.1739% | 5,454 |
| Noninterest expense to average assets | 1.5790% | 5,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4221% | 1,003 |
| Return on assets (ROA) | 1.4221% | 1,051 |
| Pretax return on assets | 2.2509% | 342 |
| Return on Equity (ROE) | 13.9012% | 859 |
| Retained earnings to average equity (ytd only) | 8.3007% | 1,340 |
| Net charge-offs to loans | -0.0214% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2289% | 5,938 |
| Assets per employee ($millions) | 8.2691% | 513 |
| Cash dividends to net income (ytd only)* | 40.2878% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 1,927 |
| 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 | 79.5513% | 879 |
| Net loans and leases to deposits | 95.5382% | 987 |
| Net loans and leases to core deposits | 97.3623% | 1,682 |
| Total domestic deposits to total assets | 83.2665% | 3,803 |
| Equity capital to assets | 10.4891% | 3,511 |
| Core capital (leverage) ratio | 10.5144% | 2,945 |
| Tier 1 risk-based capital ratio | 10.8910% | 5,556 |
| Total risk-based capital ratio | 12.1412% | 5,464 |
| Memoranda: | ||
| Average total assets | $117,287,500 | 4,134 |
| Average earning assets | $109,820,000 | 4,092 |
| Average equity | $11,999,000 | 4,333 |
| Average total loans | $93,411,000 | 3,543 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3028% | 2,222 |
| Cost of funding earning assets | 0.4264% | 2,878 |
| Net interest margin | 3.8763% | 2,110 |
| Noninterest income to average assets | 0.2052% | 5,370 |
| Noninterest expense to average assets | 1.7956% | 5,742 |
| Loan and lease loss provision to assets | 0.0044% | 4,303 |
| Net operating income to assets | 1.3100% | 1,243 |
| Return on assets (ROA) | 1.3100% | 1,296 |
| Pretax return on assets | 2.0636% | 474 |
| Return on Equity (ROE) | 12.9612% | 1,069 |
| Retained earnings to average equity (ytd only) | 8.5591% | 762 |
| Net charge-offs to loans | -0.0202% | 5,269 |
| Credit loss provision to net charge-offs | -26.3158% | 5,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4744% | 5,903 |
| Assets per employee ($millions) | 9.1390% | 365 |
| Cash dividends to net income (ytd only)* | 33.9635% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 1,952 |
| 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 | 77.3540% | 1,201 |
| Net loans and leases to deposits | 96.1801% | 986 |
| Net loans and leases to core deposits | 98.0330% | 1,671 |
| Total domestic deposits to total assets | 80.4262% | 4,634 |
| Equity capital to assets | 9.9784% | 3,983 |
| Core capital (leverage) ratio | 10.1574% | 3,311 |
| Tier 1 risk-based capital ratio | 10.3649% | 5,836 |
| Total risk-based capital ratio | 11.5989% | 5,767 |
| Memoranda: | ||
| Average total assets | $113,052,200 | 4,193 |
| Average earning assets | $106,698,600 | 4,124 |
| Average equity | $11,426,400 | 4,401 |
| Average total loans | $94,101,200 | 3,502 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 2,160 |
| Cost of funding earning assets | 0.4258% | 2,954 |
| Net interest margin | 3.8976% | 2,041 |
| Noninterest income to average assets | 0.1911% | 5,511 |
| Noninterest expense to average assets | 1.6354% | 5,955 |
| Loan and lease loss provision to assets | 0.0060% | 4,146 |
| Net operating income to assets | 1.4180% | 1,067 |
| Return on assets (ROA) | 1.4180% | 1,111 |
| Pretax return on assets | 2.2458% | 373 |
| Return on Equity (ROE) | 13.9818% | 912 |
| Retained earnings to average equity (ytd only) | 10.0357% | 628 |
| Net charge-offs to loans | -0.0212% | 5,224 |
| Credit loss provision to net charge-offs | -33.3333% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0713% | 6,088 |
| Assets per employee ($millions) | 8.9832% | 373 |
| Cash dividends to net income (ytd only)* | 28.2226% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4423% | 2,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 5,781 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 82.2685% | 547 |
| Net loans and leases to deposits | 104.1035% | 441 |
| Net loans and leases to core deposits | 105.9425% | 1,102 |
| Total domestic deposits to total assets | 79.0257% | 4,969 |
| Equity capital to assets | 10.0564% | 4,088 |
| Core capital (leverage) ratio | 10.1139% | 3,482 |
| Tier 1 risk-based capital ratio | 10.3216% | 5,943 |
| Total risk-based capital ratio | 11.5602% | 5,883 |
| Memoranda: | ||
| Average total assets | $111,613,500 | 4,275 |
| Average earning assets | $105,841,500 | 4,184 |
| Average equity | $11,319,250 | 4,474 |
| Average total loans | $94,298,500 | 3,522 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 2,211 |
| Cost of funding earning assets | 0.4242% | 2,999 |
| Net interest margin | 3.8635% | 2,089 |
| Noninterest income to average assets | 0.1893% | 5,557 |
| Noninterest expense to average assets | 1.6671% | 5,998 |
| Loan and lease loss provision to assets | 0.0091% | 3,927 |
| Net operating income to assets | 1.3741% | 1,140 |
| Return on assets (ROA) | 1.3741% | 1,184 |
| Pretax return on assets | 2.1767% | 435 |
| Return on Equity (ROE) | 13.5091% | 1,010 |
| Retained earnings to average equity (ytd only) | 10.5031% | 581 |
| Net charge-offs to loans | -0.0193% | 5,165 |
| Credit loss provision to net charge-offs | -55.5556% | 4,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2688% | 6,139 |
| Assets per employee ($millions) | 8.7534% | 403 |
| Cash dividends to net income (ytd only)* | 22.2517% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 2,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 5,875 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 84.0554% | 372 |
| Net loans and leases to deposits | 104.2507% | 438 |
| Net loans and leases to core deposits | 106.1009% | 1,067 |
| Total domestic deposits to total assets | 80.6282% | 4,709 |
| Equity capital to assets | 10.0541% | 3,977 |
| Core capital (leverage) ratio | 10.1130% | 3,446 |
| Tier 1 risk-based capital ratio | 10.2306% | 6,024 |
| Total risk-based capital ratio | 11.4803% | 5,963 |
| Memoranda: | ||
| Average total assets | $109,891,000 | 4,347 |
| Average earning assets | $104,206,000 | 4,264 |
| Average equity | $11,177,670 | 4,529 |
| Average total loans | $93,238,000 | 3,570 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 2,358 |
| Cost of funding earning assets | 0.4235% | 3,021 |
| Net interest margin | 3.8039% | 2,219 |
| Noninterest income to average assets | 0.1816% | 5,628 |
| Noninterest expense to average assets | 1.6824% | 6,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3230% | 1,199 |
| Return on assets (ROA) | 1.3230% | 1,280 |
| Pretax return on assets | 2.0938% | 488 |
| Return on Equity (ROE) | 12.9278% | 1,114 |
| Retained earnings to average equity (ytd only) | 12.9278% | 457 |
| Net charge-offs to loans | -0.0219% | 5,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5535% | 6,159 |
| Assets per employee ($millions) | 7.8783% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 2,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 5,927 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 82.5406% | 410 |
| Net loans and leases to deposits | 95.8931% | 835 |
| Net loans and leases to core deposits | 97.5359% | 1,515 |
| Total domestic deposits to total assets | 86.0757% | 2,900 |
| Equity capital to assets | 10.1772% | 3,908 |
| Core capital (leverage) ratio | 10.3349% | 3,181 |
| Tier 1 risk-based capital ratio | 10.3520% | 6,059 |
| Total risk-based capital ratio | 11.6020% | 6,011 |
| Memoranda: | ||
| Average total assets | $107,939,500 | 4,417 |
| Average earning assets | $101,999,500 | 4,344 |
| Average equity | $11,046,000 | 4,587 |
| Average total loans | $91,332,000 | 3,624 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 2,211 |
| Cost of funding earning assets | 0.4531% | 3,135 |
| Net interest margin | 3.9499% | 2,053 |
| Noninterest income to average assets | 0.2342% | 5,459 |
| Noninterest expense to average assets | 1.8700% | 5,977 |
| Loan and lease loss provision to assets | 0.0793% | 2,900 |
| Net operating income to assets | 1.2581% | 1,410 |
| Return on assets (ROA) | 1.2653% | 1,443 |
| Pretax return on assets | 2.0053% | 509 |
| Return on Equity (ROE) | 12.6426% | 1,226 |
| Retained earnings to average equity (ytd only) | 4.4100% | 3,041 |
| Net charge-offs to loans | -0.0262% | 5,757 |
| Credit loss provision to net charge-offs | -369.5652% | 5,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4207% | 6,207 |
| Assets per employee ($millions) | 7.5416% | 649 |
| Cash dividends to net income (ytd only)* | 65.1180% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 2,316 |
| Loan loss allowance to noncurrent loans | 138,600.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 6,038 |
| Noncurrent loans to loans | 0.0011% | 5,937 |
| Net loans and leases to total assets | 84.1499% | 335 |
| Net loans and leases to deposits | 98.3267% | 736 |
| Net loans and leases to core deposits | 100.3853% | 1,368 |
| Total domestic deposits to total assets | 85.5820% | 3,040 |
| Equity capital to assets | 10.2924% | 3,734 |
| Core capital (leverage) ratio | 9.9300% | 3,679 |
| Tier 1 risk-based capital ratio | 10.8993% | 5,947 |
| Total risk-based capital ratio | 12.1513% | 5,877 |
| Memoranda: | ||
| Average total assets | $107,168,000 | 4,432 |
| Average earning assets | $100,634,400 | 4,376 |
| Average equity | $10,725,600 | 4,615 |
| Average total loans | $87,770,200 | 3,680 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3617% | 2,381 |
| Cost of funding earning assets | 0.4513% | 3,232 |
| Net interest margin | 3.9103% | 2,196 |
| Noninterest income to average assets | 0.2430% | 5,461 |
| Noninterest expense to average assets | 1.7292% | 6,183 |
| Loan and lease loss provision to assets | 0.0806% | 2,737 |
| Net operating income to assets | 1.3242% | 1,302 |
| Return on assets (ROA) | 1.3337% | 1,337 |
| Pretax return on assets | 2.1209% | 435 |
| Return on Equity (ROE) | 13.4200% | 1,113 |
| Retained earnings to average equity (ytd only) | 7.5331% | 1,569 |
| Net charge-offs to loans | -0.0337% | 5,781 |
| Credit loss provision to net charge-offs | -295.4545% | 5,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1595% | 6,361 |
| Assets per employee ($millions) | 7.9406% | 538 |
| Cash dividends to net income (ytd only)* | 43.8664% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 2,930 |
| Loan loss allowance to noncurrent loans | 68,250.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 6,153 |
| Noncurrent loans to loans | 0.0021% | 6,048 |
| Net loans and leases to total assets | 83.2381% | 381 |
| Net loans and leases to deposits | 104.4354% | 381 |
| Net loans and leases to core deposits | 106.6649% | 919 |
| Total domestic deposits to total assets | 79.7030% | 5,173 |
| Equity capital to assets | 9.8984% | 4,303 |
| Core capital (leverage) ratio | 9.9767% | 3,716 |
| Tier 1 risk-based capital ratio | 10.5635% | 6,186 |
| Total risk-based capital ratio | 11.8138% | 6,131 |
| Memoranda: | ||
| Average total assets | $107,564,250 | 4,468 |
| Average earning assets | $101,029,250 | 4,413 |
| Average equity | $10,690,250 | 4,648 |
| Average total loans | $87,154,250 | 3,725 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3477% | 2,392 |
| Cost of funding earning assets | 0.4468% | 3,365 |
| Net interest margin | 3.9009% | 2,164 |
| Noninterest income to average assets | 0.2162% | 5,657 |
| Noninterest expense to average assets | 1.7469% | 6,217 |
| Loan and lease loss provision to assets | 0.0658% | 2,950 |
| Net operating income to assets | 1.2962% | 1,323 |
| Return on assets (ROA) | 1.3106% | 1,330 |
| Pretax return on assets | 2.0872% | 448 |
| Return on Equity (ROE) | 13.1687% | 1,128 |
| Retained earnings to average equity (ytd only) | 7.2362% | 1,645 |
| Net charge-offs to loans | -0.0165% | 5,477 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0533% | 6,387 |
| Assets per employee ($millions) | 7.6656% | 577 |
| Cash dividends to net income (ytd only)* | 45.0502% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 2,962 |
| Loan loss allowance to noncurrent loans | 33,000.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 6,197 |
| Noncurrent loans to loans | 0.0045% | 6,092 |
| Net loans and leases to total assets | 81.4355% | 529 |
| Net loans and leases to deposits | 98.5821% | 625 |
| Net loans and leases to core deposits | 101.8590% | 1,142 |
| Total domestic deposits to total assets | 82.6068% | 4,444 |
| Equity capital to assets | 10.0514% | 4,034 |
| Core capital (leverage) ratio | 10.1060% | 3,463 |
| Tier 1 risk-based capital ratio | 10.8194% | 6,121 |
| Total risk-based capital ratio | 12.0705% | 6,070 |
| Memoranda: | ||
| Average total assets | $106,362,670 | 4,526 |
| Average earning assets | $99,823,330 | 4,474 |
| Average equity | $10,585,670 | 4,685 |
| Average total loans | $84,905,670 | 3,793 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3462% | 2,348 |
| Cost of funding earning assets | 0.4520% | 3,406 |
| Net interest margin | 3.8942% | 2,109 |
| Noninterest income to average assets | 0.2078% | 5,696 |
| Noninterest expense to average assets | 1.7113% | 6,334 |
| Loan and lease loss provision to assets | 0.0567% | 2,980 |
| Net operating income to assets | 1.3109% | 1,189 |
| Return on assets (ROA) | 1.3109% | 1,234 |
| Pretax return on assets | 2.0853% | 440 |
| Return on Equity (ROE) | 13.2380% | 1,101 |
| Retained earnings to average equity (ytd only) | 7.3247% | 1,896 |
| Net charge-offs to loans | -0.0289% | 5,536 |
| Credit loss provision to net charge-offs | -250.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4118% | 6,481 |
| Assets per employee ($millions) | 7.5407% | 615 |
| Cash dividends to net income (ytd only)* | 44.6686% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 2,663 |
| Loan loss allowance to noncurrent loans | 11,809.0909% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 6,064 |
| Noncurrent loans to loans | 0.0136% | 6,128 |
| Net loans and leases to total assets | 75.3055% | 1,089 |
| Net loans and leases to deposits | 86.2106% | 1,578 |
| Net loans and leases to core deposits | 88.7079% | 2,024 |
| Total domestic deposits to total assets | 87.3506% | 2,596 |
| Equity capital to assets | 10.0265% | 3,813 |
| Core capital (leverage) ratio | 9.9462% | 3,640 |
| Tier 1 risk-based capital ratio | 11.3778% | 5,973 |
| Total risk-based capital ratio | 12.6291% | 5,926 |
| Memoranda: | ||
| Average total assets | $105,885,000 | 4,588 |
| Average earning assets | $99,121,000 | 4,534 |
| Average equity | $10,485,000 | 4,731 |
| Average total loans | $83,001,000 | 3,859 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 3,535 |
| Cost of funding earning assets | 0.5537% | 3,082 |
| Net interest margin | 3.5973% | 3,480 |
| Noninterest income to average assets | 0.2895% | 5,289 |
| Noninterest expense to average assets | 1.8900% | 6,203 |
| Loan and lease loss provision to assets | 0.1538% | 2,354 |
| Net operating income to assets | 1.0259% | 2,219 |
| Return on assets (ROA) | 1.0338% | 2,253 |
| Pretax return on assets | 1.6252% | 1,108 |
| Return on Equity (ROE) | 10.5075% | 1,922 |
| Retained earnings to average equity (ytd only) | 2.1131% | 4,737 |
| Net charge-offs to loans | -0.0129% | 6,063 |
| Credit loss provision to net charge-offs | -1,620.0000% | 6,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6874% | 6,317 |
| Assets per employee ($millions) | 7.5857% | 583 |
| Cash dividends to net income (ytd only)* | 79.8898% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 3,193 |
| Loan loss allowance to noncurrent loans | 9,830.7692% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 6,044 |
| Noncurrent loans to loans | 0.0153% | 6,227 |
| Net loans and leases to total assets | 79.0254% | 713 |
| Net loans and leases to deposits | 95.0604% | 796 |
| Net loans and leases to core deposits | 97.9551% | 1,303 |
| Total domestic deposits to total assets | 83.1318% | 4,502 |
| Equity capital to assets | 9.7787% | 4,066 |
| Core capital (leverage) ratio | 10.0453% | 3,501 |
| Tier 1 risk-based capital ratio | 10.7236% | 6,293 |
| Total risk-based capital ratio | 11.9742% | 6,242 |
| Memoranda: | ||
| Average total assets | $105,342,600 | 4,614 |
| Average earning assets | $98,602,800 | 4,548 |
| Average equity | $10,364,000 | 4,772 |
| Average total loans | $77,235,600 | 4,015 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 3,895 |
| Cost of funding earning assets | 0.5785% | 3,010 |
| Net interest margin | 3.4817% | 3,959 |
| Noninterest income to average assets | 0.3069% | 5,246 |
| Noninterest expense to average assets | 1.7286% | 6,441 |
| Loan and lease loss provision to assets | 0.1332% | 2,616 |
| Net operating income to assets | 1.0890% | 2,042 |
| Return on assets (ROA) | 1.0996% | 2,080 |
| Pretax return on assets | 1.7210% | 1,055 |
| Return on Equity (ROE) | 11.1594% | 1,768 |
| Retained earnings to average equity (ytd only) | 5.1743% | 2,955 |
| Net charge-offs to loans | 0.0408% | 4,331 |
| Credit loss provision to net charge-offs | 456.5217% | 585 |
| Earnings coverage of net charge-offs (x) | 62.9915% | 730 |
| Efficiency ratio | 48.4708% | 6,480 |
| Assets per employee ($millions) | 8.0078% | 463 |
| Cash dividends to net income (ytd only)* | 53.6329% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 3,539 |
| Loan loss allowance to noncurrent loans | 1,365.5172% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 5,860 |
| Noncurrent loans to loans | 0.1083% | 6,008 |
| Net loans and leases to total assets | 75.9993% | 1,005 |
| Net loans and leases to deposits | 90.5000% | 1,111 |
| Net loans and leases to core deposits | 93.2994% | 1,642 |
| Total domestic deposits to total assets | 83.9771% | 4,193 |
| Equity capital to assets | 10.1430% | 3,712 |
| Core capital (leverage) ratio | 10.2199% | 3,372 |
| Tier 1 risk-based capital ratio | 11.3997% | 6,102 |
| Total risk-based capital ratio | 12.6501% | 6,069 |
| Memoranda: | ||
| Average total assets | $105,128,250 | 4,664 |
| Average earning assets | $98,417,000 | 4,601 |
| Average equity | $10,358,750 | 4,821 |
| Average total loans | $75,243,750 | 4,110 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8953% | 4,497 |
| Cost of funding earning assets | 0.5937% | 2,997 |
| Net interest margin | 3.3016% | 4,576 |
| Noninterest income to average assets | 0.2996% | 5,308 |
| Noninterest expense to average assets | 1.7199% | 6,480 |
| Loan and lease loss provision to assets | 0.1233% | 2,779 |
| Net operating income to assets | 0.9968% | 2,337 |
| Return on assets (ROA) | 1.0126% | 2,408 |
| Pretax return on assets | 1.5815% | 1,419 |
| Return on Equity (ROE) | 10.3770% | 2,050 |
| Retained earnings to average equity (ytd only) | 4.3529% | 3,502 |
| Net charge-offs to loans | 0.0109% | 4,657 |
| Credit loss provision to net charge-offs | 1,625.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 221.5000% | 236 |
| Efficiency ratio | 50.5856% | 6,382 |
| Assets per employee ($millions) | 8.0367% | 453 |
| Cash dividends to net income (ytd only)* | 58.0524% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 3,379 |
| Loan loss allowance to noncurrent loans | 748.0769% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 5,711 |
| Noncurrent loans to loans | 0.2068% | 5,793 |
| Net loans and leases to total assets | 71.0999% | 1,709 |
| Net loans and leases to deposits | 81.4927% | 2,120 |
| Net loans and leases to core deposits | 85.7514% | 2,358 |
| Total domestic deposits to total assets | 87.2470% | 2,687 |
| Equity capital to assets | 9.9314% | 3,998 |
| Core capital (leverage) ratio | 9.9004% | 3,651 |
| Tier 1 risk-based capital ratio | 11.7193% | 5,977 |
| Total risk-based capital ratio | 12.9705% | 5,936 |
| Memoranda: | ||
| Average total assets | $105,470,670 | 4,693 |
| Average earning assets | $99,041,670 | 4,621 |
| Average equity | $10,292,000 | 4,874 |
| Average total loans | $73,557,000 | 4,189 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 4,747 |
| Cost of funding earning assets | 0.6089% | 3,025 |
| Net interest margin | 3.2136% | 4,879 |
| Noninterest income to average assets | 0.1887% | 6,121 |
| Noninterest expense to average assets | 1.7251% | 6,529 |
| Loan and lease loss provision to assets | 0.0377% | 3,958 |
| Net operating income to assets | 0.9248% | 2,543 |
| Return on assets (ROA) | 0.9248% | 2,685 |
| Pretax return on assets | 1.4344% | 1,760 |
| Return on Equity (ROE) | 9.5610% | 2,237 |
| Retained earnings to average equity (ytd only) | 3.5122% | 4,135 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9551% | 6,232 |
| Assets per employee ($millions) | 7.6739% | 568 |
| Cash dividends to net income (ytd only)* | 63.2653% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 3,586 |
| Loan loss allowance to noncurrent loans | 693.1677% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 5,165 |
| Noncurrent loans to loans | 0.2246% | 5,852 |
| Net loans and leases to total assets | 65.6850% | 2,428 |
| Net loans and leases to deposits | 75.1163% | 2,755 |
| Net loans and leases to core deposits | 78.9184% | 2,945 |
| Total domestic deposits to total assets | 87.4444% | 2,664 |
| Equity capital to assets | 9.5947% | 4,714 |
| Core capital (leverage) ratio | 9.7119% | 3,779 |
| Tier 1 risk-based capital ratio | 11.9763% | 5,930 |
| Total risk-based capital ratio | 13.2273% | 5,893 |
| Memoranda: | ||
| Average total assets | $105,967,500 | 4,719 |
| Average earning assets | $99,202,500 | 4,651 |
| Average equity | $10,250,000 | 4,935 |
| Average total loans | $72,610,500 | 4,245 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 3,702 |
| Cost of funding earning assets | 0.7063% | 3,448 |
| Net interest margin | 3.7227% | 3,554 |
| Noninterest income to average assets | 0.2754% | 5,491 |
| Noninterest expense to average assets | 1.8217% | 6,597 |
| Loan and lease loss provision to assets | 0.1052% | 4,323 |
| Net operating income to assets | 1.1594% | 1,741 |
| Return on assets (ROA) | 1.1600% | 1,892 |
| Pretax return on assets | 1.8323% | 865 |
| Return on Equity (ROE) | 12.0385% | 1,501 |
| Retained earnings to average equity (ytd only) | 4.1683% | 3,296 |
| Net charge-offs to loans | 0.5432% | 2,101 |
| Credit loss provision to net charge-offs | 28.0612% | 5,153 |
| Earnings coverage of net charge-offs (x) | 5.1658% | 3,126 |
| Efficiency ratio | 48.4733% | 6,680 |
| Assets per employee ($millions) | 7.4644% | 632 |
| Cash dividends to net income (ytd only)* | 65.3751% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 3,731 |
| Loan loss allowance to noncurrent loans | 674.3902% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 5,212 |
| Noncurrent loans to loans | 0.2230% | 5,920 |
| Net loans and leases to total assets | 69.3113% | 1,972 |
| Net loans and leases to deposits | 79.8067% | 2,310 |
| Net loans and leases to core deposits | 83.9945% | 2,553 |
| Total domestic deposits to total assets | 86.8489% | 2,913 |
| Equity capital to assets | 9.7530% | 4,526 |
| Core capital (leverage) ratio | 9.7305% | 3,760 |
| Tier 1 risk-based capital ratio | 12.0636% | 5,751 |
| Total risk-based capital ratio | 13.3147% | 5,704 |
| Memoranda: | ||
| Average total assets | $104,570,400 | 4,718 |
| Average earning assets | $97,832,000 | 4,641 |
| Average equity | $10,076,000 | 4,968 |
| Average total loans | $72,170,400 | 4,270 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 3,435 |
| Cost of funding earning assets | 0.7212% | 3,584 |
| Net interest margin | 3.8262% | 3,224 |
| Noninterest income to average assets | 0.2919% | 5,436 |
| Noninterest expense to average assets | 1.8740% | 6,568 |
| Loan and lease loss provision to assets | 0.1020% | 4,304 |
| Net operating income to assets | 1.1988% | 1,743 |
| Return on assets (ROA) | 1.1996% | 1,916 |
| Pretax return on assets | 1.9020% | 867 |
| Return on Equity (ROE) | 12.4877% | 1,470 |
| Retained earnings to average equity (ytd only) | 5.4543% | 3,064 |
| Net charge-offs to loans | 0.6163% | 1,788 |
| Credit loss provision to net charge-offs | 24.0964% | 4,894 |
| Earnings coverage of net charge-offs (x) | 4.7319% | 3,217 |
| Efficiency ratio | 48.3394% | 6,698 |
| Assets per employee ($millions) | 7.4936% | 598 |
| Cash dividends to net income (ytd only)* | 56.3229% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 3,771 |
| Loan loss allowance to noncurrent loans | 817.2662% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.5357% | 5,341 |
| Noncurrent loans to loans | 0.1885% | 6,135 |
| Net loans and leases to total assets | 69.2187% | 2,067 |
| Net loans and leases to deposits | 79.8702% | 2,408 |
| Net loans and leases to core deposits | 84.0661% | 2,687 |
| Total domestic deposits to total assets | 86.6639% | 2,874 |
| Equity capital to assets | 9.7178% | 4,901 |
| Core capital (leverage) ratio | 9.6946% | 3,964 |
| Tier 1 risk-based capital ratio | 11.9563% | 5,960 |
| Total risk-based capital ratio | 13.2078% | 5,946 |
| Memoranda: | ||
| Average total assets | $104,587,750 | 4,757 |
| Average earning assets | $97,987,750 | 4,689 |
| Average equity | $10,047,000 | 5,017 |
| Average total loans | $71,828,750 | 4,331 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5756% | 3,454 |
| Cost of funding earning assets | 0.7310% | 3,762 |
| Net interest margin | 3.8446% | 3,157 |
| Noninterest income to average assets | 0.3312% | 5,178 |
| Noninterest expense to average assets | 1.8836% | 6,632 |
| Loan and lease loss provision to assets | 0.0957% | 4,344 |
| Net operating income to assets | 1.2366% | 1,593 |
| Return on assets (ROA) | 1.2366% | 1,779 |
| Pretax return on assets | 1.9659% | 733 |
| Return on Equity (ROE) | 12.9230% | 1,381 |
| Retained earnings to average equity (ytd only) | 7.6218% | 1,801 |
| Net charge-offs to loans | 0.7024% | 1,580 |
| Credit loss provision to net charge-offs | 20.0000% | 4,604 |
| Earnings coverage of net charge-offs (x) | 4.3080% | 3,121 |
| Efficiency ratio | 47.7438% | 6,793 |
| Assets per employee ($millions) | 6.9662% | 739 |
| Cash dividends to net income (ytd only)* | 41.0217% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6875% | 3,278 |
| Loan loss allowance to noncurrent loans | 211.7647% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 5,137 |
| Noncurrent loans to loans | 0.7969% | 4,916 |
| Net loans and leases to total assets | 66.2379% | 2,622 |
| Net loans and leases to deposits | 77.7161% | 2,719 |
| Net loans and leases to core deposits | 82.8682% | 2,844 |
| Total domestic deposits to total assets | 85.2306% | 3,753 |
| Equity capital to assets | 9.7107% | 4,743 |
| Core capital (leverage) ratio | 9.4583% | 4,203 |
| Tier 1 risk-based capital ratio | 12.4165% | 5,634 |
| Total risk-based capital ratio | 13.6686% | 5,608 |
| Memoranda: | ||
| Average total assets | $104,480,000 | 4,790 |
| Average earning assets | $98,216,330 | 4,709 |
| Average equity | $9,997,670 | 5,032 |
| Average total loans | $71,187,000 | 4,384 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6395% | 3,315 |
| Cost of funding earning assets | 0.7502% | 3,861 |
| Net interest margin | 3.8894% | 2,969 |
| Noninterest income to average assets | 0.2182% | 6,048 |
| Noninterest expense to average assets | 1.9641% | 6,528 |
| Loan and lease loss provision to assets | 0.0766% | 4,436 |
| Net operating income to assets | 1.1639% | 1,843 |
| Return on assets (ROA) | 1.1639% | 2,023 |
| Pretax return on assets | 1.8301% | 1,015 |
| Return on Equity (ROE) | 12.2544% | 1,599 |
| Retained earnings to average equity (ytd only) | 12.2544% | 789 |
| Net charge-offs to loans | 1.3970% | 719 |
| Credit loss provision to net charge-offs | 8.0000% | 3,928 |
| Earnings coverage of net charge-offs (x) | 1.9920% | 3,345 |
| Efficiency ratio | 50.7418% | 6,624 |
| Assets per employee ($millions) | 7.1740% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 3,575 |
| Loan loss allowance to noncurrent loans | 156.9106% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 4,941 |
| Noncurrent loans to loans | 1.0456% | 4,603 |
| Net loans and leases to total assets | 64.5135% | 2,757 |
| Net loans and leases to deposits | 74.5194% | 3,040 |
| Net loans and leases to core deposits | 79.2274% | 3,148 |
| Total domestic deposits to total assets | 86.5728% | 3,190 |
| Equity capital to assets | 9.3755% | 4,995 |
| Core capital (leverage) ratio | 9.4474% | 4,122 |
| Tier 1 risk-based capital ratio | 12.0089% | 5,956 |
| Total risk-based capital ratio | 13.2604% | 5,940 |
| Memoranda: | ||
| Average total assets | $104,473,500 | 4,825 |
| Average earning assets | $98,113,500 | 4,743 |
| Average equity | $9,923,000 | 5,061 |
| Average total loans | $71,579,500 | 4,393 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8791% | 3,458 |
| Cost of funding earning assets | 1.0587% | 2,963 |
| Net interest margin | 3.8205% | 3,723 |
| Noninterest income to average assets | 0.3105% | 5,326 |
| Noninterest expense to average assets | 2.1251% | 6,438 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1211% | 1,752 |
| Return on assets (ROA) | 1.1211% | 1,876 |
| Pretax return on assets | 1.7729% | 850 |
| Return on Equity (ROE) | 11.7281% | 1,486 |
| Retained earnings to average equity (ytd only) | 6.1443% | 1,930 |
| Net charge-offs to loans | 0.2281% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 10.8303% | 1,786 |
| Efficiency ratio | 54.5177% | 6,464 |
| Assets per employee ($millions) | 6.3336% | 1,040 |
| Cash dividends to net income (ytd only)* | 47.6106% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9124% | 2,530 |
| Loan loss allowance to noncurrent loans | 168.2424% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 4,733 |
| Noncurrent loans to loans | 1.1367% | 4,461 |
| Net loans and leases to total assets | 70.2507% | 1,986 |
| Net loans and leases to deposits | 84.8642% | 1,821 |
| Net loans and leases to core deposits | 90.5126% | 2,049 |
| Total domestic deposits to total assets | 82.7802% | 4,847 |
| Equity capital to assets | 9.6283% | 4,705 |
| Core capital (leverage) ratio | 9.7047% | 3,739 |
| Tier 1 risk-based capital ratio | 10.5413% | 6,667 |
| Total risk-based capital ratio | 11.7859% | 6,653 |
| Memoranda: | ||
| Average total assets | $100,794,600 | 4,871 |
| Average earning assets | $94,647,800 | 4,791 |
| Average equity | $9,635,000 | 5,110 |
| Average total loans | $72,321,600 | 4,403 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 3,429 |
| Cost of funding earning assets | 1.1252% | 2,794 |
| Net interest margin | 3.8038% | 3,861 |
| Noninterest income to average assets | 0.2888% | 5,544 |
| Noninterest expense to average assets | 2.0306% | 6,635 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1603% | 1,779 |
| Return on assets (ROA) | 1.1603% | 1,888 |
| Pretax return on assets | 1.8359% | 894 |
| Return on Equity (ROE) | 12.1607% | 1,505 |
| Retained earnings to average equity (ytd only) | 12.1607% | 485 |
| Net charge-offs to loans | 0.3192% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 8.0116% | 2,259 |
| Efficiency ratio | 52.5180% | 6,633 |
| Assets per employee ($millions) | 6.0729% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9377% | 2,510 |
| Loan loss allowance to noncurrent loans | 156.4626% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 1.0364% | 4,687 |
| Noncurrent loans to loans | 1.2384% | 4,470 |
| Net loans and leases to total assets | 71.8770% | 1,735 |
| Net loans and leases to deposits | 84.2918% | 1,955 |
| Net loans and leases to core deposits | 89.9907% | 2,251 |
| Total domestic deposits to total assets | 85.2716% | 3,634 |
| Equity capital to assets | 10.3637% | 3,871 |
| Core capital (leverage) ratio | 10.1081% | 3,296 |
| Tier 1 risk-based capital ratio | 12.3813% | 5,594 |
| Total risk-based capital ratio | 13.6370% | 5,581 |
| Memoranda: | ||
| Average total assets | $100,659,000 | 4,908 |
| Average earning assets | $94,674,250 | 4,831 |
| Average equity | $9,604,500 | 5,157 |
| Average total loans | $72,257,500 | 4,443 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9225% | 3,521 |
| Cost of funding earning assets | 1.1707% | 2,771 |
| Net interest margin | 3.7518% | 4,021 |
| Noninterest income to average assets | 0.3025% | 5,474 |
| Noninterest expense to average assets | 2.0545% | 6,683 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1294% | 1,789 |
| Return on assets (ROA) | 1.1294% | 1,866 |
| Pretax return on assets | 1.7854% | 908 |
| Return on Equity (ROE) | 12.1702% | 1,445 |
| Retained earnings to average equity (ytd only) | 12.1702% | 500 |
| Net charge-offs to loans | 0.0220% | 5,531 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 113.6250% | 315 |
| Efficiency ratio | 53.5038% | 6,667 |
| Assets per employee ($millions) | 6.2972% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2118% | 1,900 |
| Loan loss allowance to noncurrent loans | 138.9388% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 1.2277% | 4,440 |
| Noncurrent loans to loans | 1.5919% | 4,006 |
| Net loans and leases to total assets | 67.7951% | 2,663 |
| Net loans and leases to deposits | 78.6340% | 3,015 |
| Net loans and leases to core deposits | 85.6944% | 2,955 |
| Total domestic deposits to total assets | 86.2161% | 3,209 |
| Equity capital to assets | 9.6799% | 4,566 |
| Core capital (leverage) ratio | 9.6609% | 3,718 |
| Tier 1 risk-based capital ratio | 12.4450% | 5,399 |
| Total risk-based capital ratio | 13.7041% | 5,369 |
| Memoranda: | ||
| Average total assets | $101,823,330 | 4,907 |
| Average earning assets | $96,007,330 | 4,815 |
| Average equity | $9,449,330 | 5,200 |
| Average total loans | $72,603,330 | 4,487 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 3,138 |
| Cost of funding earning assets | 1.2139% | 2,724 |
| Net interest margin | 3.7783% | 3,715 |
| Noninterest income to average assets | 0.2501% | 5,902 |
| Noninterest expense to average assets | 2.0516% | 6,736 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1137% | 1,791 |
| Return on assets (ROA) | 1.1137% | 1,842 |
| Pretax return on assets | 1.7625% | 877 |
| Return on Equity (ROE) | 12.2614% | 1,385 |
| Retained earnings to average equity (ytd only) | 12.2614% | 695 |
| Net charge-offs to loans | 0.0487% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 50.1111% | 575 |
| Efficiency ratio | 53.7910% | 6,710 |
| Assets per employee ($millions) | 6.3959% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2193% | 1,915 |
| Loan loss allowance to noncurrent loans | 113.5294% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 1.4511% | 4,092 |
| Noncurrent loans to loans | 1.9548% | 3,635 |
| Net loans and leases to total assets | 66.4774% | 2,883 |
| Net loans and leases to deposits | 76.5592% | 3,324 |
| Net loans and leases to core deposits | 83.2495% | 3,270 |
| Total domestic deposits to total assets | 86.8314% | 3,033 |
| Equity capital to assets | 9.1895% | 4,886 |
| Core capital (leverage) ratio | 9.2215% | 4,254 |
| Tier 1 risk-based capital ratio | 11.5945% | 6,027 |
| Total risk-based capital ratio | 12.8526% | 6,006 |
| Memoranda: | ||
| Average total assets | $102,357,500 | 4,935 |
| Average earning assets | $96,551,000 | 4,836 |
| Average equity | $9,297,500 | 5,233 |
| Average total loans | $73,979,000 | 4,465 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5122% | 2,230 |
| Cost of funding earning assets | 1.5191% | 2,535 |
| Net interest margin | 3.9932% | 3,049 |
| Noninterest income to average assets | 0.2724% | 5,835 |
| Noninterest expense to average assets | 2.0698% | 6,911 |
| Loan and lease loss provision to assets | 0.2696% | 4,651 |
| Net operating income to assets | 0.9463% | 2,212 |
| Return on assets (ROA) | 0.9463% | 2,341 |
| Pretax return on assets | 1.5519% | 1,245 |
| Return on Equity (ROE) | 10.3012% | 1,819 |
| Retained earnings to average equity (ytd only) | 4.2232% | 2,887 |
| Net charge-offs to loans | 0.1195% | 5,692 |
| Credit loss provision to net charge-offs | 288.6598% | 936 |
| Earnings coverage of net charge-offs (x) | 19.5052% | 1,053 |
| Efficiency ratio | 53.1915% | 6,874 |
| Assets per employee ($millions) | 6.8254% | 808 |
| Cash dividends to net income (ytd only)* | 59.0031% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9812% | 2,352 |
| Loan loss allowance to noncurrent loans | 168.6211% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.8996% | 5,219 |
| Noncurrent loans to loans | 1.1750% | 4,757 |
| Net loans and leases to total assets | 75.0452% | 1,469 |
| Net loans and leases to deposits | 87.7088% | 1,834 |
| Net loans and leases to core deposits | 96.6951% | 1,923 |
| Total domestic deposits to total assets | 85.5618% | 3,572 |
| Equity capital to assets | 8.9773% | 5,175 |
| Core capital (leverage) ratio | 8.8215% | 4,824 |
| Tier 1 risk-based capital ratio | 9.9466% | 7,002 |
| Total risk-based capital ratio | 11.1843% | 6,997 |
| Memoranda: | ||
| Average total assets | $103,875,400 | 4,874 |
| Average earning assets | $94,136,000 | 4,890 |
| Average equity | $9,542,600 | 5,251 |
| Average total loans | $81,198,600 | 4,305 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0141% | 909 |
| Cost of funding earning assets | 1.2987% | 4,228 |
| Net interest margin | 4.7154% | 810 |
| Noninterest income to average assets | 0.2845% | 5,837 |
| Noninterest expense to average assets | 1.9968% | 7,051 |
| Loan and lease loss provision to assets | 0.2659% | 4,450 |
| Net operating income to assets | 1.2869% | 1,362 |
| Return on assets (ROA) | 1.2869% | 1,447 |
| Pretax return on assets | 2.1537% | 450 |
| Return on Equity (ROE) | 12.8723% | 1,288 |
| Retained earnings to average equity (ytd only) | 2.2341% | 4,827 |
| Net charge-offs to loans | -0.1660% | 7,606 |
| Credit loss provision to net charge-offs | -196.0784% | 6,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2137% | 7,418 |
| Assets per employee ($millions) | 7.1053% | 737 |
| Cash dividends to net income (ytd only)* | 82.6443% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3349% | 1,572 |
| Loan loss allowance to noncurrent loans | 100.2183% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.8417% | 3,693 |
| Noncurrent loans to loans | 2.3298% | 3,306 |
| Net loans and leases to total assets | 77.2041% | 1,176 |
| Net loans and leases to deposits | 86.4044% | 2,256 |
| Net loans and leases to core deposits | 98.8748% | 1,950 |
| Total domestic deposits to total assets | 89.3520% | 1,201 |
| Equity capital to assets | 10.2439% | 3,828 |
| Core capital (leverage) ratio | 10.4410% | 2,754 |
| Tier 1 risk-based capital ratio | 12.0011% | 5,465 |
| Total risk-based capital ratio | 13.2612% | 5,426 |
| Memoranda: | ||
| Average total assets | $50,145,750 | 6,600 |
| Average earning assets | $43,940,250 | 6,662 |
| Average equity | $5,013,250 | 6,749 |
| Average total loans | $40,963,500 | 5,964 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0762% | 795 |
| Cost of funding earning assets | 1.3453% | 4,215 |
| Net interest margin | 4.7309% | 765 |
| Noninterest income to average assets | 0.3023% | 5,736 |
| Noninterest expense to average assets | 1.9331% | 7,208 |
| Loan and lease loss provision to assets | 0.2387% | 4,529 |
| Net operating income to assets | 1.3325% | 1,234 |
| Return on assets (ROA) | 1.3325% | 1,311 |
| Pretax return on assets | 2.3269% | 315 |
| Return on Equity (ROE) | 13.4376% | 1,153 |
| Retained earnings to average equity (ytd only) | -2.6073% | 6,241 |
| Net charge-offs to loans | -0.2553% | 7,673 |
| Credit loss provision to net charge-offs | -113.2075% | 6,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9708% | 7,553 |
| Assets per employee ($millions) | 7.0044% | 771 |
| Cash dividends to net income (ytd only)* | 119.4030% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1141% | 1,939 |
| Loan loss allowance to noncurrent loans | 57.6293% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 3.1144% | 2,273 |
| Noncurrent loans to loans | 3.6684% | 2,139 |
| Net loans and leases to total assets | 83.1025% | 425 |
| Net loans and leases to deposits | 92.9871% | 1,392 |
| Net loans and leases to core deposits | 102.5960% | 1,775 |
| Total domestic deposits to total assets | 89.3700% | 1,240 |
| Equity capital to assets | 10.0732% | 3,920 |
| Core capital (leverage) ratio | 9.9187% | 3,259 |
| Tier 1 risk-based capital ratio | 11.2158% | 6,026 |
| Total risk-based capital ratio | 12.4746% | 6,003 |
| Memoranda: | ||
| Average total assets | $50,282,000 | 6,638 |
| Average earning assets | $44,600,330 | 6,676 |
| Average equity | $4,986,000 | 6,784 |
| Average total loans | $41,512,330 | 5,980 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0567% | 871 |
| Cost of funding earning assets | 1.3915% | 4,232 |
| Net interest margin | 4.6652% | 840 |
| Noninterest income to average assets | 0.3300% | 5,501 |
| Noninterest expense to average assets | 1.7836% | 7,484 |
| Loan and lease loss provision to assets | 0.2357% | 4,154 |
| Net operating income to assets | 1.6265% | 711 |
| Return on assets (ROA) | 1.6265% | 758 |
| Pretax return on assets | 2.4201% | 283 |
| Return on Equity (ROE) | 16.5286% | 650 |
| Retained earnings to average equity (ytd only) | 0.5589% | 5,606 |
| Net charge-offs to loans | -0.5693% | 7,808 |
| Credit loss provision to net charge-offs | -50.8475% | 6,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1770% | 7,731 |
| Assets per employee ($millions) | 6.1741% | 1,156 |
| Cash dividends to net income (ytd only)* | 96.6184% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0539% | 2,052 |
| Loan loss allowance to noncurrent loans | 105.4187% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.6440% | 4,017 |
| Noncurrent loans to loans | 1.9484% | 3,862 |
| Net loans and leases to total assets | 82.6433% | 518 |
| Net loans and leases to deposits | 99.0056% | 823 |
| Net loans and leases to core deposits | 101.4666% | 1,973 |
| Total domestic deposits to total assets | 83.4734% | 4,397 |
| Equity capital to assets | 10.1371% | 3,691 |
| Core capital (leverage) ratio | 9.9804% | 3,187 |
| Tier 1 risk-based capital ratio | 11.3404% | 5,821 |
| Total risk-based capital ratio | 12.5994% | 5,785 |
| Memoranda: | ||
| Average total assets | $50,907,500 | 6,704 |
| Average earning assets | $44,843,000 | 6,746 |
| Average equity | $5,009,500 | 6,841 |
| Average total loans | $41,455,500 | 6,052 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4998% | 673 |
| Cost of funding earning assets | 1.7023% | 4,492 |
| Net interest margin | 4.7975% | 696 |
| Noninterest income to average assets | 0.3624% | 5,500 |
| Noninterest expense to average assets | 2.1433% | 7,095 |
| Loan and lease loss provision to assets | 0.5091% | 3,830 |
| Net operating income to assets | 1.4100% | 833 |
| Return on assets (ROA) | 1.4100% | 889 |
| Pretax return on assets | 2.0972% | 340 |
| Return on Equity (ROE) | 13.6766% | 839 |
| Retained earnings to average equity (ytd only) | 5.5479% | 1,554 |
| Net charge-offs to loans | 0.0326% | 6,801 |
| Credit loss provision to net charge-offs | 1,869.2308% | 170 |
| Earnings coverage of net charge-offs (x) | 95.6923% | 291 |
| Efficiency ratio | 45.1257% | 7,748 |
| Assets per employee ($millions) | 7.4889% | 651 |
| Cash dividends to net income (ytd only)* | 59.4354% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8601% | 2,374 |
| Loan loss allowance to noncurrent loans | 5,478.5714% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 7,456 |
| Noncurrent loans to loans | 0.0340% | 7,345 |
| Net loans and leases to total assets | 77.1966% | 1,550 |
| Net loans and leases to deposits | 88.2040% | 2,525 |
| Net loans and leases to core deposits | 96.8644% | 4,366 |
| Total domestic deposits to total assets | 87.5205% | 2,205 |
| Equity capital to assets | 9.5609% | 4,339 |
| Core capital (leverage) ratio | 9.6932% | 3,471 |
| Tier 1 risk-based capital ratio | 11.2318% | 5,680 |
| Total risk-based capital ratio | 12.4873% | 5,631 |
| Memoranda: | ||
| Average total assets | $47,731,200 | 6,802 |
| Average earning assets | $43,647,600 | 6,774 |
| Average equity | $4,920,800 | 6,973 |
| Average total loans | $39,904,400 | 6,115 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4980% | 751 |
| Cost of funding earning assets | 1.7618% | 4,578 |
| Net interest margin | 4.7362% | 782 |
| Noninterest income to average assets | 0.3322% | 5,832 |
| Noninterest expense to average assets | 1.9273% | 7,500 |
| Loan and lease loss provision to assets | 0.4668% | 3,568 |
| Net operating income to assets | 1.5149% | 785 |
| Return on assets (ROA) | 1.5149% | 843 |
| Pretax return on assets | 2.3339% | 273 |
| Return on Equity (ROE) | 14.4002% | 858 |
| Retained earnings to average equity (ytd only) | 6.2338% | 1,835 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7632% | 7,913 |
| Assets per employee ($millions) | 7.3201% | 690 |
| Cash dividends to net income (ytd only)* | 56.7104% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 3,145 |
| Loan loss allowance to noncurrent loans | 542.6357% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 6,883 |
| Noncurrent loans to loans | 0.2885% | 6,787 |
| Net loans and leases to total assets | 85.9097% | 346 |
| Net loans and leases to deposits | 103.2218% | 830 |
| Net loans and leases to core deposits | 115.1779% | 2,703 |
| Total domestic deposits to total assets | 83.2283% | 4,099 |
| Equity capital to assets | 9.7188% | 4,473 |
| Core capital (leverage) ratio | 10.0010% | 3,282 |
| Tier 1 risk-based capital ratio | 10.5141% | 6,452 |
| Total risk-based capital ratio | 11.7680% | 6,406 |
| Memoranda: | ||
| Average total assets | $46,558,500 | 6,895 |
| Average earning assets | $43,212,000 | 6,857 |
| Average equity | $4,898,000 | 7,039 |
| Average total loans | $39,571,750 | 6,178 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5290% | 773 |
| Cost of funding earning assets | 1.8791% | 4,377 |
| Net interest margin | 4.6499% | 876 |
| Noninterest income to average assets | 0.3200% | 5,949 |
| Noninterest expense to average assets | 2.0001% | 7,467 |
| Loan and lease loss provision to assets | 0.0978% | 6,194 |
| Net operating income to assets | 1.6401% | 631 |
| Return on assets (ROA) | 1.6401% | 695 |
| Pretax return on assets | 2.5335% | 202 |
| Return on Equity (ROE) | 15.1519% | 805 |
| Retained earnings to average equity (ytd only) | 11.0457% | 558 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1862% | 7,949 |
| Assets per employee ($millions) | 6.7490% | 866 |
| Cash dividends to net income (ytd only)* | 27.1003% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 3,868 |
| Loan loss allowance to noncurrent loans | 13,975.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 7,626 |
| Noncurrent loans to loans | 0.0098% | 7,539 |
| Net loans and leases to total assets | 84.9438% | 518 |
| Net loans and leases to deposits | 100.7937% | 1,197 |
| Net loans and leases to core deposits | 114.0024% | 2,908 |
| Total domestic deposits to total assets | 84.2749% | 3,612 |
| Equity capital to assets | 10.6365% | 3,264 |
| Core capital (leverage) ratio | 10.9287% | 2,457 |
| Tier 1 risk-based capital ratio | 11.6438% | 5,248 |
| Total risk-based capital ratio | 12.8949% | 5,176 |
| Memoranda: | ||
| Average total assets | $44,997,670 | 7,021 |
| Average earning assets | $41,721,330 | 6,984 |
| Average equity | $4,870,670 | 7,115 |
| Average total loans | $37,855,330 | 6,301 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6354% | 659 |
| Cost of funding earning assets | 2.0409% | 3,918 |
| Net interest margin | 4.5945% | 947 |
| Noninterest income to average assets | 0.2917% | 6,101 |
| Noninterest expense to average assets | 2.0786% | 7,169 |
| Loan and lease loss provision to assets | 0.0729% | 6,045 |
| Net operating income to assets | 1.5407% | 869 |
| Return on assets (ROA) | 1.5407% | 947 |
| Pretax return on assets | 2.3886% | 308 |
| Return on Equity (ROE) | 14.1024% | 1,146 |
| Retained earnings to average equity (ytd only) | 5.7578% | 2,749 |
| Net charge-offs to loans | 0.0110% | 5,473 |
| Credit loss provision to net charge-offs | 800.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 270.0000% | 152 |
| Efficiency ratio | 45.7831% | 7,853 |
| Assets per employee ($millions) | 6.3344% | 1,030 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 3,189 |
| Loan loss allowance to noncurrent loans | 183.7838% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 5,495 |
| Noncurrent loans to loans | 0.7928% | 5,456 |
| Net loans and leases to total assets | 82.9774% | 848 |
| Net loans and leases to deposits | 96.4860% | 1,874 |
| Net loans and leases to core deposits | 108.4188% | 3,624 |
| Total domestic deposits to total assets | 85.9994% | 2,728 |
| Equity capital to assets | 10.8838% | 3,092 |
| Core capital (leverage) ratio | 10.7138% | 2,725 |
| Tier 1 risk-based capital ratio | 12.1052% | 4,867 |
| Total risk-based capital ratio | 13.3590% | 4,767 |
| Memoranda: | ||
| Average total assets | $43,875,000 | 7,109 |
| Average earning assets | $40,570,500 | 7,076 |
| Average equity | $4,793,500 | 7,189 |
| Average total loans | $36,438,500 | 6,418 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8862% | 1,438 |
| Cost of funding earning assets | 2.6652% | 3,337 |
| Net interest margin | 4.2210% | 2,227 |
| Noninterest income to average assets | 0.4306% | 5,208 |
| Noninterest expense to average assets | 1.9667% | 7,506 |
| Loan and lease loss provision to assets | 0.0908% | 6,246 |
| Net operating income to assets | 1.5936% | 846 |
| Return on assets (ROA) | 1.6083% | 787 |
| Pretax return on assets | 2.2902% | 321 |
| Return on Equity (ROE) | 15.1084% | 906 |
| Retained earnings to average equity (ytd only) | 6.3626% | 1,376 |
| Net charge-offs to loans | -0.0115% | 7,868 |
| Credit loss provision to net charge-offs | -975.0000% | 7,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4545% | 7,951 |
| Assets per employee ($millions) | 5.4261% | 1,515 |
| Cash dividends to net income (ytd only)* | 57.8871% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 2,618 |
| Loan loss allowance to noncurrent loans | 17,900.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 7,615 |
| Noncurrent loans to loans | 0.0084% | 7,521 |
| Net loans and leases to total assets | 80.6354% | 1,521 |
| Net loans and leases to deposits | 92.8018% | 2,994 |
| Net loans and leases to core deposits | 103.4551% | 4,445 |
| Total domestic deposits to total assets | 86.8898% | 1,988 |
| Equity capital to assets | 10.9678% | 3,072 |
| Core capital (leverage) ratio | 10.9645% | 2,619 |
| Tier 1 risk-based capital ratio | 12.4189% | 4,495 |
| Total risk-based capital ratio | 13.6714% | 4,391 |
| Memoranda: | ||
| Average total assets | $42,965,800 | 7,080 |
| Average earning assets | $39,658,800 | 7,056 |
| Average equity | $4,573,600 | 7,309 |
| Average total loans | $34,715,800 | 6,445 |