Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 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 | 3.9674% | 3,342 |
| Cost of funding earning assets | 0.3809% | 3,286 |
| Net interest margin | 3.5864% | 3,139 |
| Noninterest income to average assets | 0.6206% | 2,414 |
| Noninterest expense to average assets | 2.9214% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6851% | 3,791 |
| Return on assets (ROA) | 1.0813% | 2,085 |
| Pretax return on assets | 1.5989% | 1,298 |
| Return on Equity (ROE) | 10.3852% | 1,826 |
| Retained earnings to average equity (ytd only) | 7.6262% | 1,615 |
| Net charge-offs to loans | -0.0038% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1913% | 2,444 |
| Assets per employee ($millions) | 4.3258% | 3,373 |
| Cash dividends to net income (ytd only)* | 26.5664% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8700% | 1,013 |
| Loan loss allowance to noncurrent loans | 5,300.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 5,546 |
| Noncurrent loans to loans | 0.0353% | 5,352 |
| Net loans and leases to total assets | 68.0757% | 2,638 |
| Net loans and leases to deposits | 82.4594% | 2,491 |
| Net loans and leases to core deposits | 91.4198% | 2,242 |
| Total domestic deposits to total assets | 82.5566% | 4,049 |
| Equity capital to assets | 10.5279% | 3,456 |
| Core capital (leverage) ratio | 10.5349% | 2,920 |
| Tier 1 risk-based capital ratio | 14.1856% | 3,575 |
| Total risk-based capital ratio | 15.4422% | 3,505 |
| Memoranda: | ||
| Average total assets | $147,599,000 | 3,612 |
| Average earning assets | $136,514,000 | 3,607 |
| Average equity | $15,368,000 | 3,828 |
| Average total loans | $104,155,500 | 3,352 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 2,723 |
| Cost of funding earning assets | 0.4012% | 3,149 |
| Net interest margin | 3.7532% | 2,543 |
| Noninterest income to average assets | 0.6753% | 2,319 |
| Noninterest expense to average assets | 2.9537% | 2,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8387% | 3,164 |
| Return on assets (ROA) | 0.8272% | 3,286 |
| Pretax return on assets | 1.1734% | 2,757 |
| Return on Equity (ROE) | 7.7413% | 3,109 |
| Retained earnings to average equity (ytd only) | 5.4573% | 2,100 |
| Net charge-offs to loans | 0.0683% | 2,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 23.6143% | 1,724 |
| Efficiency ratio | 71.2821% | 3,019 |
| Assets per employee ($millions) | 4.2321% | 3,518 |
| Cash dividends to net income (ytd only)* | 29.5039% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7953% | 1,140 |
| Loan loss allowance to noncurrent loans | 5,300.0000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 5,362 |
| Noncurrent loans to loans | 0.0339% | 5,379 |
| Net loans and leases to total assets | 70.4635% | 2,298 |
| Net loans and leases to deposits | 84.9997% | 2,238 |
| Net loans and leases to core deposits | 93.9738% | 2,050 |
| Total domestic deposits to total assets | 82.8986% | 3,871 |
| Equity capital to assets | 10.2969% | 3,626 |
| Core capital (leverage) ratio | 10.1279% | 3,355 |
| Tier 1 risk-based capital ratio | 13.5032% | 4,004 |
| Total risk-based capital ratio | 14.7583% | 3,941 |
| Memoranda: | ||
| Average total assets | $138,909,200 | 3,740 |
| Average earning assets | $128,371,400 | 3,736 |
| Average equity | $14,842,400 | 3,861 |
| Average total loans | $102,535,400 | 3,345 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 2,676 |
| Cost of funding earning assets | 0.3933% | 3,289 |
| Net interest margin | 3.7780% | 2,468 |
| Noninterest income to average assets | 0.6832% | 2,310 |
| Noninterest expense to average assets | 3.0696% | 2,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7909% | 3,475 |
| Return on assets (ROA) | 0.7798% | 3,616 |
| Pretax return on assets | 1.0951% | 3,247 |
| Return on Equity (ROE) | 7.2273% | 3,516 |
| Retained earnings to average equity (ytd only) | 4.9298% | 2,957 |
| Net charge-offs to loans | 0.0617% | 2,710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 24.2109% | 1,701 |
| Efficiency ratio | 73.4298% | 2,647 |
| Assets per employee ($millions) | 4.0128% | 3,853 |
| Cash dividends to net income (ytd only)* | 31.7898% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8524% | 1,171 |
| Loan loss allowance to noncurrent loans | 1,970.4082% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 5,304 |
| Noncurrent loans to loans | 0.0940% | 5,253 |
| Net loans and leases to total assets | 72.8483% | 1,929 |
| Net loans and leases to deposits | 90.0057% | 1,650 |
| Net loans and leases to core deposits | 97.0132% | 1,791 |
| Total domestic deposits to total assets | 80.9374% | 4,494 |
| Equity capital to assets | 10.6858% | 3,376 |
| Core capital (leverage) ratio | 10.5781% | 2,950 |
| Tier 1 risk-based capital ratio | 13.3989% | 4,194 |
| Total risk-based capital ratio | 14.6549% | 4,116 |
| Memoranda: | ||
| Average total assets | $136,606,000 | 3,813 |
| Average earning assets | $126,447,750 | 3,803 |
| Average equity | $14,740,000 | 3,915 |
| Average total loans | $101,599,250 | 3,393 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 2,634 |
| Cost of funding earning assets | 0.3875% | 3,400 |
| Net interest margin | 3.7881% | 2,367 |
| Noninterest income to average assets | 0.6754% | 2,322 |
| Noninterest expense to average assets | 3.1022% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7649% | 3,562 |
| Return on assets (ROA) | 0.7523% | 3,732 |
| Pretax return on assets | 1.0523% | 3,372 |
| Return on Equity (ROE) | 6.9485% | 3,644 |
| Retained earnings to average equity (ytd only) | 4.6005% | 3,109 |
| Net charge-offs to loans | 0.0119% | 3,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 120.6667% | 524 |
| Efficiency ratio | 74.3535% | 2,632 |
| Assets per employee ($millions) | 3.6468% | 4,539 |
| Cash dividends to net income (ytd only)* | 33.7917% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9075% | 1,148 |
| Loan loss allowance to noncurrent loans | 3,585.4545% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 5,473 |
| Noncurrent loans to loans | 0.0532% | 5,527 |
| Net loans and leases to total assets | 75.1551% | 1,482 |
| Net loans and leases to deposits | 94.5186% | 1,100 |
| Net loans and leases to core deposits | 98.8768% | 1,582 |
| Total domestic deposits to total assets | 79.5135% | 4,977 |
| Equity capital to assets | 10.9610% | 2,925 |
| Core capital (leverage) ratio | 10.7825% | 2,635 |
| Tier 1 risk-based capital ratio | 14.6304% | 3,563 |
| Total risk-based capital ratio | 15.8894% | 3,487 |
| Memoranda: | ||
| Average total assets | $135,325,330 | 3,875 |
| Average earning assets | $124,917,000 | 3,862 |
| Average equity | $14,650,670 | 3,941 |
| Average total loans | $100,717,330 | 3,429 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 2,679 |
| Cost of funding earning assets | 0.3856% | 3,462 |
| Net interest margin | 3.7529% | 2,420 |
| Noninterest income to average assets | 0.6375% | 2,462 |
| Noninterest expense to average assets | 3.0844% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7190% | 3,705 |
| Return on assets (ROA) | 0.7084% | 3,883 |
| Pretax return on assets | 0.9858% | 3,555 |
| Return on Equity (ROE) | 6.5839% | 3,723 |
| Retained earnings to average equity (ytd only) | 3.8406% | 3,697 |
| Net charge-offs to loans | 0.0241% | 2,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 771 |
| Efficiency ratio | 75.5058% | 2,583 |
| Assets per employee ($millions) | 3.5437% | 4,823 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9817% | 1,116 |
| Loan loss allowance to noncurrent loans | 1,428.9855% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 5,352 |
| Noncurrent loans to loans | 0.1387% | 5,279 |
| Net loans and leases to total assets | 72.4335% | 1,743 |
| Net loans and leases to deposits | 89.1842% | 1,484 |
| Net loans and leases to core deposits | 92.9598% | 1,854 |
| Total domestic deposits to total assets | 81.2179% | 4,759 |
| Equity capital to assets | 10.8956% | 3,094 |
| Core capital (leverage) ratio | 10.7020% | 2,747 |
| Tier 1 risk-based capital ratio | 14.9436% | 3,461 |
| Total risk-based capital ratio | 16.2037% | 3,382 |
| Memoranda: | ||
| Average total assets | $135,521,500 | 3,890 |
| Average earning assets | $124,489,500 | 3,899 |
| Average equity | $14,581,000 | 3,979 |
| Average total loans | $99,385,500 | 3,463 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2899% | 2,643 |
| Cost of funding earning assets | 0.4019% | 3,672 |
| Net interest margin | 3.8880% | 2,286 |
| Noninterest income to average assets | 0.6814% | 2,388 |
| Noninterest expense to average assets | 3.0795% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8153% | 3,299 |
| Return on assets (ROA) | 0.9240% | 2,851 |
| Pretax return on assets | 1.3188% | 2,181 |
| Return on Equity (ROE) | 9.1199% | 2,531 |
| Retained earnings to average equity (ytd only) | 6.1773% | 1,821 |
| Net charge-offs to loans | -0.2728% | 6,322 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5757% | 3,110 |
| Assets per employee ($millions) | 3.4096% | 5,036 |
| Cash dividends to net income (ytd only)* | 32.2656% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9927% | 1,127 |
| Loan loss allowance to noncurrent loans | 2,039.1753% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 5,672 |
| Noncurrent loans to loans | 0.0977% | 5,504 |
| Net loans and leases to total assets | 71.3300% | 2,028 |
| Net loans and leases to deposits | 87.7735% | 1,760 |
| Net loans and leases to core deposits | 91.8682% | 2,103 |
| Total domestic deposits to total assets | 81.2660% | 4,660 |
| Equity capital to assets | 10.6245% | 3,327 |
| Core capital (leverage) ratio | 10.4217% | 3,037 |
| Tier 1 risk-based capital ratio | 14.7783% | 3,615 |
| Total risk-based capital ratio | 15.9629% | 3,579 |
| Memoranda: | ||
| Average total assets | $138,529,800 | 3,830 |
| Average earning assets | $126,903,400 | 3,824 |
| Average equity | $14,035,200 | 4,015 |
| Average total loans | $98,618,400 | 3,454 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 2,645 |
| Cost of funding earning assets | 0.4030% | 3,762 |
| Net interest margin | 3.8950% | 2,267 |
| Noninterest income to average assets | 0.6759% | 2,448 |
| Noninterest expense to average assets | 3.0584% | 2,601 |
| Loan and lease loss provision to assets | 0.0192% | 4,024 |
| Net operating income to assets | 0.8197% | 3,342 |
| Return on assets (ROA) | 0.9070% | 2,973 |
| Pretax return on assets | 1.2905% | 2,410 |
| Return on Equity (ROE) | 9.0601% | 2,650 |
| Retained earnings to average equity (ytd only) | 5.9762% | 2,426 |
| Net charge-offs to loans | -0.3670% | 6,420 |
| Credit loss provision to net charge-offs | -7.3801% | 5,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0741% | 3,159 |
| Assets per employee ($millions) | 3.4879% | 4,888 |
| Cash dividends to net income (ytd only)* | 34.0379% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 1,152 |
| Loan loss allowance to noncurrent loans | 5,263.1579% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 5,975 |
| Noncurrent loans to loans | 0.0391% | 5,863 |
| Net loans and leases to total assets | 69.9542% | 2,202 |
| Net loans and leases to deposits | 88.0269% | 1,668 |
| Net loans and leases to core deposits | 92.0050% | 2,035 |
| Total domestic deposits to total assets | 79.4691% | 5,232 |
| Equity capital to assets | 10.4889% | 3,579 |
| Core capital (leverage) ratio | 10.2227% | 3,381 |
| Tier 1 risk-based capital ratio | 14.7615% | 3,724 |
| Total risk-based capital ratio | 16.0218% | 3,660 |
| Memoranda: | ||
| Average total assets | $139,066,500 | 3,844 |
| Average earning assets | $127,374,000 | 3,845 |
| Average equity | $13,921,500 | 4,056 |
| Average total loans | $98,458,000 | 3,478 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2093% | 2,919 |
| Cost of funding earning assets | 0.4042% | 3,828 |
| Net interest margin | 3.8051% | 2,556 |
| Noninterest income to average assets | 0.6525% | 2,526 |
| Noninterest expense to average assets | 3.0054% | 2,806 |
| Loan and lease loss provision to assets | 0.0286% | 3,708 |
| Net operating income to assets | 0.7802% | 3,422 |
| Return on assets (ROA) | 0.9181% | 2,819 |
| Pretax return on assets | 1.2936% | 2,274 |
| Return on Equity (ROE) | 9.3148% | 2,454 |
| Retained earnings to average equity (ytd only) | 6.2437% | 2,190 |
| Net charge-offs to loans | 0.1537% | 2,158 |
| Credit loss provision to net charge-offs | 26.3158% | 3,108 |
| Earnings coverage of net charge-offs (x) | 10.3947% | 2,253 |
| Efficiency ratio | 72.7116% | 3,210 |
| Assets per employee ($millions) | 3.3822% | 5,094 |
| Cash dividends to net income (ytd only)* | 32.9705% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 2,271 |
| Loan loss allowance to noncurrent loans | 387.1194% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 5,078 |
| Noncurrent loans to loans | 0.4278% | 4,708 |
| Net loans and leases to total assets | 70.7803% | 1,955 |
| Net loans and leases to deposits | 89.3712% | 1,429 |
| Net loans and leases to core deposits | 92.8994% | 1,871 |
| Total domestic deposits to total assets | 79.1981% | 5,414 |
| Equity capital to assets | 10.1594% | 3,888 |
| Core capital (leverage) ratio | 9.9908% | 3,623 |
| Tier 1 risk-based capital ratio | 14.2599% | 4,093 |
| Total risk-based capital ratio | 15.5158% | 4,023 |
| Memoranda: | ||
| Average total assets | $140,079,000 | 3,848 |
| Average earning assets | $128,144,670 | 3,848 |
| Average equity | $13,806,000 | 4,080 |
| Average total loans | $98,891,330 | 3,476 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 2,929 |
| Cost of funding earning assets | 0.4067% | 3,882 |
| Net interest margin | 3.7782% | 2,560 |
| Noninterest income to average assets | 0.6308% | 2,562 |
| Noninterest expense to average assets | 2.9464% | 3,060 |
| Loan and lease loss provision to assets | 0.0568% | 2,977 |
| Net operating income to assets | 0.7996% | 3,157 |
| Return on assets (ROA) | 0.7870% | 3,294 |
| Pretax return on assets | 1.0683% | 3,039 |
| Return on Equity (ROE) | 8.1083% | 2,878 |
| Retained earnings to average equity (ytd only) | 4.2737% | 3,560 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0639% | 3,476 |
| Assets per employee ($millions) | 3.4875% | 4,949 |
| Cash dividends to net income (ytd only)* | 47.2924% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7867% | 2,080 |
| Loan loss allowance to noncurrent loans | 402.0930% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 5,228 |
| Noncurrent loans to loans | 0.4444% | 4,812 |
| Net loans and leases to total assets | 68.1278% | 2,202 |
| Net loans and leases to deposits | 86.3434% | 1,556 |
| Net loans and leases to core deposits | 89.7407% | 1,931 |
| Total domestic deposits to total assets | 78.9034% | 5,701 |
| Equity capital to assets | 9.8695% | 3,994 |
| Core capital (leverage) ratio | 9.7329% | 3,949 |
| Tier 1 risk-based capital ratio | 14.2802% | 4,146 |
| Total risk-based capital ratio | 15.5379% | 4,087 |
| Memoranda: | ||
| Average total assets | $140,783,500 | 3,866 |
| Average earning assets | $128,845,000 | 3,867 |
| Average equity | $13,665,000 | 4,113 |
| Average total loans | $98,435,000 | 3,505 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 3,127 |
| Cost of funding earning assets | 0.5202% | 3,392 |
| Net interest margin | 3.7359% | 2,917 |
| Noninterest income to average assets | 0.8197% | 1,984 |
| Noninterest expense to average assets | 3.0138% | 3,015 |
| Loan and lease loss provision to assets | 0.0261% | 4,606 |
| Net operating income to assets | 0.9465% | 2,580 |
| Return on assets (ROA) | 0.9210% | 2,763 |
| Pretax return on assets | 1.1853% | 2,639 |
| Return on Equity (ROE) | 9.3519% | 2,393 |
| Retained earnings to average equity (ytd only) | 7.5148% | 1,228 |
| Net charge-offs to loans | 0.0075% | 5,307 |
| Credit loss provision to net charge-offs | 500.0000% | 459 |
| Earnings coverage of net charge-offs (x) | 238.7143% | 191 |
| Efficiency ratio | 70.7816% | 3,703 |
| Assets per employee ($millions) | 3.3825% | 5,133 |
| Cash dividends to net income (ytd only)* | 19.6443% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 2,378 |
| Loan loss allowance to noncurrent loans | 463.1436% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 5,482 |
| Noncurrent loans to loans | 0.3686% | 5,082 |
| Net loans and leases to total assets | 69.2587% | 2,133 |
| Net loans and leases to deposits | 87.4309% | 1,528 |
| Net loans and leases to core deposits | 90.8414% | 1,922 |
| Total domestic deposits to total assets | 79.2153% | 5,617 |
| Equity capital to assets | 9.5463% | 4,353 |
| Core capital (leverage) ratio | 9.3824% | 4,432 |
| Tier 1 risk-based capital ratio | 13.9041% | 4,361 |
| Total risk-based capital ratio | 15.1607% | 4,294 |
| Memoranda: | ||
| Average total assets | $134,315,000 | 3,993 |
| Average earning assets | $123,613,000 | 3,976 |
| Average equity | $13,227,200 | 4,222 |
| Average total loans | $93,015,600 | 3,619 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 3,134 |
| Cost of funding earning assets | 0.5427% | 3,341 |
| Net interest margin | 3.7237% | 2,941 |
| Noninterest income to average assets | 0.7886% | 2,204 |
| Noninterest expense to average assets | 3.0669% | 2,769 |
| Loan and lease loss provision to assets | 0.0252% | 4,504 |
| Net operating income to assets | 0.8077% | 3,303 |
| Return on assets (ROA) | 0.8128% | 3,412 |
| Pretax return on assets | 1.1311% | 2,978 |
| Return on Equity (ROE) | 8.1863% | 3,026 |
| Retained earnings to average equity (ytd only) | 6.5430% | 2,109 |
| Net charge-offs to loans | 0.0219% | 4,689 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 76.0650% | 621 |
| Efficiency ratio | 72.7425% | 3,273 |
| Assets per employee ($millions) | 3.3138% | 5,260 |
| Cash dividends to net income (ytd only)* | 20.0740% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 2,421 |
| Loan loss allowance to noncurrent loans | 433.2474% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 5,605 |
| Noncurrent loans to loans | 0.4063% | 5,175 |
| Net loans and leases to total assets | 67.4129% | 2,392 |
| Net loans and leases to deposits | 86.1279% | 1,600 |
| Net loans and leases to core deposits | 91.6852% | 1,795 |
| Total domestic deposits to total assets | 78.2707% | 5,863 |
| Equity capital to assets | 9.5229% | 4,522 |
| Core capital (leverage) ratio | 9.6591% | 4,159 |
| Tier 1 risk-based capital ratio | 14.1686% | 4,305 |
| Total risk-based capital ratio | 15.4256% | 4,250 |
| Memoranda: | ||
| Average total assets | $132,377,250 | 4,062 |
| Average earning assets | $121,846,500 | 4,053 |
| Average equity | $13,143,500 | 4,281 |
| Average total loans | $91,244,000 | 3,689 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 3,073 |
| Cost of funding earning assets | 0.5658% | 3,257 |
| Net interest margin | 3.7046% | 2,941 |
| Noninterest income to average assets | 0.8255% | 2,086 |
| Noninterest expense to average assets | 3.0774% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8204% | 3,192 |
| Return on assets (ROA) | 0.8270% | 3,315 |
| Pretax return on assets | 1.1590% | 2,845 |
| Return on Equity (ROE) | 8.2096% | 2,984 |
| Retained earnings to average equity (ytd only) | 7.0804% | 1,853 |
| Net charge-offs to loans | 0.0200% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 83.1111% | 544 |
| Efficiency ratio | 72.8000% | 3,341 |
| Assets per employee ($millions) | 3.3929% | 5,079 |
| Cash dividends to net income (ytd only)* | 13.7546% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 2,596 |
| Loan loss allowance to noncurrent loans | 3,777.2727% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 6,418 |
| Noncurrent loans to loans | 0.0463% | 6,252 |
| Net loans and leases to total assets | 70.4997% | 1,801 |
| Net loans and leases to deposits | 90.8257% | 1,069 |
| Net loans and leases to core deposits | 97.5795% | 1,246 |
| Total domestic deposits to total assets | 77.6208% | 6,042 |
| Equity capital to assets | 9.9385% | 3,985 |
| Core capital (leverage) ratio | 9.7638% | 3,845 |
| Tier 1 risk-based capital ratio | 14.2037% | 4,287 |
| Total risk-based capital ratio | 15.4606% | 4,242 |
| Memoranda: | ||
| Average total assets | $130,109,330 | 4,139 |
| Average earning assets | $119,474,670 | 4,127 |
| Average equity | $13,106,670 | 4,324 |
| Average total loans | $89,823,000 | 3,726 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 3,096 |
| Cost of funding earning assets | 0.5798% | 3,296 |
| Net interest margin | 3.6720% | 2,979 |
| Noninterest income to average assets | 0.7752% | 2,235 |
| Noninterest expense to average assets | 3.0790% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7659% | 3,353 |
| Return on assets (ROA) | 0.7659% | 3,496 |
| Pretax return on assets | 1.0542% | 3,128 |
| Return on Equity (ROE) | 7.5509% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.5509% | 1,920 |
| Net charge-offs to loans | 0.0413% | 3,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 37.7778% | 829 |
| Efficiency ratio | 74.4936% | 3,176 |
| Assets per employee ($millions) | 3.5887% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9424% | 2,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 6,486 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 63.1893% | 2,855 |
| Net loans and leases to deposits | 81.2220% | 1,932 |
| Net loans and leases to core deposits | 87.2138% | 1,988 |
| Total domestic deposits to total assets | 77.7982% | 6,138 |
| Equity capital to assets | 9.9313% | 4,237 |
| Core capital (leverage) ratio | 9.9919% | 3,394 |
| Tier 1 risk-based capital ratio | 15.2445% | 3,683 |
| Total risk-based capital ratio | 16.4282% | 3,671 |
| Memoranda: | ||
| Average total assets | $129,002,000 | 4,204 |
| Average earning assets | $117,972,500 | 4,199 |
| Average equity | $13,084,500 | 4,368 |
| Average total loans | $87,259,500 | 3,803 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 2,483 |
| Cost of funding earning assets | 0.7130% | 3,382 |
| Net interest margin | 4.0147% | 2,338 |
| Noninterest income to average assets | 0.9883% | 1,565 |
| Noninterest expense to average assets | 3.2307% | 2,514 |
| Loan and lease loss provision to assets | 0.2577% | 2,586 |
| Net operating income to assets | 0.8758% | 2,927 |
| Return on assets (ROA) | 0.8763% | 3,169 |
| Pretax return on assets | 1.2106% | 2,766 |
| Return on Equity (ROE) | 8.6326% | 2,815 |
| Retained earnings to average equity (ytd only) | 5.4192% | 2,433 |
| Net charge-offs to loans | 0.2518% | 3,430 |
| Credit loss provision to net charge-offs | 146.1187% | 1,866 |
| Earnings coverage of net charge-offs (x) | 8.3196% | 2,431 |
| Efficiency ratio | 68.7639% | 4,007 |
| Assets per employee ($millions) | 3.1306% | 5,781 |
| Cash dividends to net income (ytd only)* | 37.2243% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8785% | 2,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 6,539 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 69.7018% | 1,900 |
| Net loans and leases to deposits | 90.5359% | 1,023 |
| Net loans and leases to core deposits | 94.0356% | 1,463 |
| Total domestic deposits to total assets | 76.9881% | 6,225 |
| Equity capital to assets | 10.3672% | 3,673 |
| Core capital (leverage) ratio | 9.9038% | 3,540 |
| Tier 1 risk-based capital ratio | 14.6805% | 3,907 |
| Total risk-based capital ratio | 15.9383% | 3,861 |
| Memoranda: | ||
| Average total assets | $124,153,200 | 4,270 |
| Average earning assets | $114,727,600 | 4,230 |
| Average equity | $12,603,400 | 4,442 |
| Average total loans | $86,988,000 | 3,825 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 2,617 |
| Cost of funding earning assets | 0.7397% | 3,434 |
| Net interest margin | 4.0011% | 2,494 |
| Noninterest income to average assets | 0.8685% | 1,949 |
| Noninterest expense to average assets | 3.1975% | 2,577 |
| Loan and lease loss provision to assets | 0.3121% | 2,112 |
| Net operating income to assets | 0.7856% | 3,525 |
| Return on assets (ROA) | 0.7856% | 3,766 |
| Pretax return on assets | 1.0612% | 3,496 |
| Return on Equity (ROE) | 7.7810% | 3,377 |
| Retained earnings to average equity (ytd only) | 5.4360% | 3,075 |
| Net charge-offs to loans | 0.3345% | 2,783 |
| Credit loss provision to net charge-offs | 133.6406% | 2,157 |
| Earnings coverage of net charge-offs (x) | 5.8801% | 2,904 |
| Efficiency ratio | 69.9553% | 3,693 |
| Assets per employee ($millions) | 3.1120% | 5,818 |
| Cash dividends to net income (ytd only)* | 30.1374% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8530% | 2,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 6,658 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 69.9120% | 1,918 |
| Net loans and leases to deposits | 92.9466% | 877 |
| Net loans and leases to core deposits | 99.9747% | 1,123 |
| Total domestic deposits to total assets | 75.2173% | 6,489 |
| Equity capital to assets | 10.3376% | 4,032 |
| Core capital (leverage) ratio | 9.8407% | 3,766 |
| Tier 1 risk-based capital ratio | 14.4083% | 4,251 |
| Total risk-based capital ratio | 15.6661% | 4,212 |
| Memoranda: | ||
| Average total assets | $123,886,000 | 4,314 |
| Average earning assets | $114,632,750 | 4,272 |
| Average equity | $12,508,750 | 4,501 |
| Average total loans | $86,496,750 | 3,874 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 2,678 |
| Cost of funding earning assets | 0.7795% | 3,370 |
| Net interest margin | 3.9812% | 2,585 |
| Noninterest income to average assets | 0.7309% | 2,512 |
| Noninterest expense to average assets | 2.9962% | 3,270 |
| Loan and lease loss provision to assets | 0.4123% | 1,594 |
| Net operating income to assets | 0.7535% | 3,584 |
| Return on assets (ROA) | 0.7535% | 3,863 |
| Pretax return on assets | 1.0058% | 3,684 |
| Return on Equity (ROE) | 7.5228% | 3,495 |
| Retained earnings to average equity (ytd only) | 5.1820% | 3,166 |
| Net charge-offs to loans | 0.4967% | 2,096 |
| Credit loss provision to net charge-offs | 119.7183% | 2,299 |
| Earnings coverage of net charge-offs (x) | 4.1174% | 3,172 |
| Efficiency ratio | 67.8755% | 4,148 |
| Assets per employee ($millions) | 3.2400% | 5,580 |
| Cash dividends to net income (ytd only)* | 31.1159% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 2,601 |
| Loan loss allowance to noncurrent loans | 3,289.7959% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 6,698 |
| Noncurrent loans to loans | 0.0573% | 6,535 |
| Net loans and leases to total assets | 66.3997% | 2,594 |
| Net loans and leases to deposits | 88.1379% | 1,356 |
| Net loans and leases to core deposits | 92.3441% | 1,749 |
| Total domestic deposits to total assets | 75.3361% | 6,553 |
| Equity capital to assets | 9.9653% | 4,390 |
| Core capital (leverage) ratio | 9.6746% | 3,880 |
| Tier 1 risk-based capital ratio | 14.4049% | 4,175 |
| Total risk-based capital ratio | 15.6273% | 4,153 |
| Memoranda: | ||
| Average total assets | $123,688,670 | 4,339 |
| Average earning assets | $114,437,000 | 4,299 |
| Average equity | $12,389,000 | 4,529 |
| Average total loans | $85,773,000 | 3,915 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8415% | 2,481 |
| Cost of funding earning assets | 0.8211% | 3,299 |
| Net interest margin | 4.0204% | 2,413 |
| Noninterest income to average assets | 0.6931% | 2,691 |
| Noninterest expense to average assets | 2.8769% | 3,719 |
| Loan and lease loss provision to assets | 0.6048% | 944 |
| Net operating income to assets | 0.7062% | 3,858 |
| Return on assets (ROA) | 0.7062% | 4,077 |
| Pretax return on assets | 0.9252% | 3,948 |
| Return on Equity (ROE) | 7.0315% | 3,767 |
| Retained earnings to average equity (ytd only) | 4.4273% | 3,942 |
| Net charge-offs to loans | 0.8614% | 1,189 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 2.5297% | 3,157 |
| Efficiency ratio | 65.2819% | 4,688 |
| Assets per employee ($millions) | 3.2832% | 5,601 |
| Cash dividends to net income (ytd only)* | 37.0370% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8466% | 2,852 |
| Loan loss allowance to noncurrent loans | 139.6797% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.9434% | 4,617 |
| Noncurrent loans to loans | 1.3220% | 4,131 |
| Net loans and leases to total assets | 66.8879% | 2,314 |
| Net loans and leases to deposits | 89.6377% | 993 |
| Net loans and leases to core deposits | 98.0980% | 1,119 |
| Total domestic deposits to total assets | 74.6203% | 6,689 |
| Equity capital to assets | 9.8837% | 4,275 |
| Core capital (leverage) ratio | 9.7877% | 3,661 |
| Tier 1 risk-based capital ratio | 14.3101% | 4,234 |
| Total risk-based capital ratio | 15.5397% | 4,220 |
| Memoranda: | ||
| Average total assets | $122,353,500 | 4,400 |
| Average earning assets | $113,022,500 | 4,355 |
| Average equity | $12,287,500 | 4,559 |
| Average total loans | $85,902,500 | 3,941 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1286% | 2,336 |
| Cost of funding earning assets | 1.0223% | 3,222 |
| Net interest margin | 4.1063% | 2,402 |
| Noninterest income to average assets | 0.6723% | 2,772 |
| Noninterest expense to average assets | 3.1477% | 3,035 |
| Loan and lease loss provision to assets | 0.3288% | 3,055 |
| Net operating income to assets | 0.7240% | 3,367 |
| Return on assets (ROA) | 0.7856% | 3,269 |
| Pretax return on assets | 1.0452% | 3,052 |
| Return on Equity (ROE) | 7.7688% | 3,025 |
| Retained earnings to average equity (ytd only) | 5.6811% | 2,184 |
| Net charge-offs to loans | 0.2363% | 4,300 |
| Credit loss provision to net charge-offs | 203.2086% | 1,223 |
| Earnings coverage of net charge-offs (x) | 7.9840% | 2,230 |
| Efficiency ratio | 70.9024% | 3,794 |
| Assets per employee ($millions) | 3.2418% | 5,629 |
| Cash dividends to net income (ytd only)* | 26.8722% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8091% | 2,841 |
| Loan loss allowance to noncurrent loans | 125.9022% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 1.1847% | 4,265 |
| Noncurrent loans to loans | 1.4369% | 4,009 |
| Net loans and leases to total assets | 71.0445% | 1,812 |
| Net loans and leases to deposits | 97.6408% | 581 |
| Net loans and leases to core deposits | 102.0441% | 1,024 |
| Total domestic deposits to total assets | 72.7611% | 6,831 |
| Equity capital to assets | 10.2079% | 3,895 |
| Core capital (leverage) ratio | 9.9082% | 3,444 |
| Tier 1 risk-based capital ratio | 14.1901% | 4,184 |
| Total risk-based capital ratio | 15.4199% | 4,150 |
| Memoranda: | ||
| Average total assets | $115,577,200 | 4,508 |
| Average earning assets | $106,032,600 | 4,503 |
| Average equity | $11,687,800 | 4,618 |
| Average total loans | $79,127,800 | 4,168 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1096% | 2,562 |
| Cost of funding earning assets | 1.0590% | 3,257 |
| Net interest margin | 4.0506% | 2,689 |
| Noninterest income to average assets | 0.7116% | 2,535 |
| Noninterest expense to average assets | 3.2656% | 2,618 |
| Loan and lease loss provision to assets | 0.2912% | 3,186 |
| Net operating income to assets | 0.6601% | 3,823 |
| Return on assets (ROA) | 0.7442% | 3,579 |
| Pretax return on assets | 0.9759% | 3,492 |
| Return on Equity (ROE) | 7.3772% | 3,346 |
| Retained earnings to average equity (ytd only) | 5.3222% | 2,976 |
| Net charge-offs to loans | 0.1502% | 4,563 |
| Credit loss provision to net charge-offs | 287.3563% | 994 |
| Earnings coverage of net charge-offs (x) | 11.4135% | 1,810 |
| Efficiency ratio | 73.8478% | 3,211 |
| Assets per employee ($millions) | 2.9048% | 6,301 |
| Cash dividends to net income (ytd only)* | 27.8563% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8772% | 2,691 |
| Loan loss allowance to noncurrent loans | 151.1286% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 4,759 |
| Noncurrent loans to loans | 1.2421% | 4,463 |
| Net loans and leases to total assets | 69.2804% | 2,224 |
| Net loans and leases to deposits | 93.3831% | 889 |
| Net loans and leases to core deposits | 100.7371% | 1,186 |
| Total domestic deposits to total assets | 74.1895% | 6,733 |
| Equity capital to assets | 10.3311% | 3,920 |
| Core capital (leverage) ratio | 9.9690% | 3,480 |
| Tier 1 risk-based capital ratio | 14.6211% | 3,887 |
| Total risk-based capital ratio | 15.8795% | 3,861 |
| Memoranda: | ||
| Average total assets | $114,485,000 | 4,570 |
| Average earning assets | $104,871,500 | 4,551 |
| Average equity | $11,548,750 | 4,680 |
| Average total loans | $77,213,500 | 4,274 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0690% | 2,839 |
| Cost of funding earning assets | 1.0989% | 3,248 |
| Net interest margin | 3.9701% | 2,993 |
| Noninterest income to average assets | 0.8076% | 1,985 |
| Noninterest expense to average assets | 3.2954% | 2,587 |
| Loan and lease loss provision to assets | 0.2809% | 3,131 |
| Net operating income to assets | 0.6526% | 3,786 |
| Return on assets (ROA) | 0.7391% | 3,461 |
| Pretax return on assets | 0.9656% | 3,376 |
| Return on Equity (ROE) | 7.3879% | 3,244 |
| Retained earnings to average equity (ytd only) | 5.1417% | 2,914 |
| Net charge-offs to loans | 0.0979% | 4,700 |
| Credit loss provision to net charge-offs | 432.4324% | 703 |
| Earnings coverage of net charge-offs (x) | 17.4595% | 1,300 |
| Efficiency ratio | 74.3956% | 3,291 |
| Assets per employee ($millions) | 2.9523% | 6,185 |
| Cash dividends to net income (ytd only)* | 30.4038% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8835% | 2,716 |
| Loan loss allowance to noncurrent loans | 125.7334% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 1.3036% | 4,296 |
| Noncurrent loans to loans | 1.4980% | 4,173 |
| Net loans and leases to total assets | 67.8637% | 2,648 |
| Net loans and leases to deposits | 90.9333% | 1,167 |
| Net loans and leases to core deposits | 95.4626% | 1,735 |
| Total domestic deposits to total assets | 74.6302% | 6,769 |
| Equity capital to assets | 10.1085% | 4,002 |
| Core capital (leverage) ratio | 10.1100% | 3,133 |
| Tier 1 risk-based capital ratio | 14.7464% | 3,650 |
| Total risk-based capital ratio | 16.0041% | 3,610 |
| Memoranda: | ||
| Average total assets | $113,915,670 | 4,610 |
| Average earning assets | $103,926,670 | 4,606 |
| Average equity | $11,397,000 | 4,715 |
| Average total loans | $75,605,000 | 4,361 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0751% | 2,753 |
| Cost of funding earning assets | 1.1369% | 3,251 |
| Net interest margin | 3.9382% | 2,965 |
| Noninterest income to average assets | 1.1262% | 1,033 |
| Noninterest expense to average assets | 3.3644% | 2,368 |
| Loan and lease loss provision to assets | 0.2824% | 2,887 |
| Net operating income to assets | 0.9391% | 2,404 |
| Return on assets (ROA) | 0.9391% | 2,466 |
| Pretax return on assets | 1.0626% | 2,891 |
| Return on Equity (ROE) | 9.4360% | 2,303 |
| Retained earnings to average equity (ytd only) | 7.6268% | 1,875 |
| Net charge-offs to loans | 0.1033% | 3,924 |
| Credit loss provision to net charge-offs | 421.0526% | 810 |
| Earnings coverage of net charge-offs (x) | 20.0526% | 1,117 |
| Efficiency ratio | 71.4393% | 3,968 |
| Assets per employee ($millions) | 2.8039% | 6,528 |
| Cash dividends to net income (ytd only)* | 19.1729% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9956% | 2,437 |
| Loan loss allowance to noncurrent loans | 123.6457% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.3571% | 4,258 |
| Noncurrent loans to loans | 1.6140% | 4,056 |
| Net loans and leases to total assets | 62.9679% | 3,670 |
| Net loans and leases to deposits | 81.0450% | 2,517 |
| Net loans and leases to core deposits | 86.6420% | 2,782 |
| Total domestic deposits to total assets | 77.6950% | 6,415 |
| Equity capital to assets | 10.2047% | 3,532 |
| Core capital (leverage) ratio | 10.0649% | 3,073 |
| Tier 1 risk-based capital ratio | 15.6735% | 3,068 |
| Total risk-based capital ratio | 16.9334% | 3,026 |
| Memoranda: | ||
| Average total assets | $113,303,000 | 4,661 |
| Average earning assets | $103,091,500 | 4,656 |
| Average equity | $11,276,000 | 4,725 |
| Average total loans | $73,588,000 | 4,485 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4195% | 2,582 |
| Cost of funding earning assets | 1.3968% | 3,293 |
| Net interest margin | 4.0227% | 2,914 |
| Noninterest income to average assets | 0.7315% | 2,639 |
| Noninterest expense to average assets | 3.6386% | 1,826 |
| Loan and lease loss provision to assets | 0.3666% | 3,918 |
| Net operating income to assets | 0.3348% | 4,809 |
| Return on assets (ROA) | 0.5669% | 3,974 |
| Pretax return on assets | 0.6725% | 4,084 |
| Return on Equity (ROE) | 5.6481% | 3,761 |
| Retained earnings to average equity (ytd only) | 3.9020% | 3,135 |
| Net charge-offs to loans | 0.4756% | 3,714 |
| Credit loss provision to net charge-offs | 115.1685% | 3,761 |
| Earnings coverage of net charge-offs (x) | 2.3961% | 3,934 |
| Efficiency ratio | 82.6696% | 2,085 |
| Assets per employee ($millions) | 2.9347% | 6,237 |
| Cash dividends to net income (ytd only)* | 30.9148% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 2,748 |
| Loan loss allowance to noncurrent loans | 125.4098% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 1.2957% | 4,441 |
| Noncurrent loans to loans | 1.4617% | 4,293 |
| Net loans and leases to total assets | 64.4288% | 3,779 |
| Net loans and leases to deposits | 85.0755% | 2,267 |
| Net loans and leases to core deposits | 89.0504% | 2,891 |
| Total domestic deposits to total assets | 75.7313% | 6,666 |
| Equity capital to assets | 9.7045% | 4,122 |
| Core capital (leverage) ratio | 9.8682% | 3,246 |
| Tier 1 risk-based capital ratio | 14.8240% | 3,357 |
| Total risk-based capital ratio | 15.9839% | 3,367 |
| Memoranda: | ||
| Average total assets | $111,829,800 | 4,663 |
| Average earning assets | $102,020,000 | 4,671 |
| Average equity | $11,225,000 | 4,810 |
| Average total loans | $74,852,400 | 4,489 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4740% | 2,541 |
| Cost of funding earning assets | 1.4433% | 3,309 |
| Net interest margin | 4.0307% | 2,954 |
| Noninterest income to average assets | 0.7388% | 2,588 |
| Noninterest expense to average assets | 3.4731% | 2,108 |
| Loan and lease loss provision to assets | 0.3838% | 3,583 |
| Net operating income to assets | 0.4769% | 4,411 |
| Return on assets (ROA) | 0.5565% | 4,233 |
| Pretax return on assets | 0.6608% | 4,383 |
| Return on Equity (ROE) | 5.4969% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.7199% | 3,847 |
| Net charge-offs to loans | 0.6079% | 2,920 |
| Credit loss provision to net charge-offs | 93.8416% | 4,622 |
| Earnings coverage of net charge-offs (x) | 2.3225% | 4,006 |
| Efficiency ratio | 78.5249% | 2,556 |
| Assets per employee ($millions) | 2.8838% | 6,412 |
| Cash dividends to net income (ytd only)* | 32.3285% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7527% | 2,969 |
| Loan loss allowance to noncurrent loans | 109.2282% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.3657% | 4,442 |
| Noncurrent loans to loans | 1.6046% | 4,237 |
| Net loans and leases to total assets | 64.8934% | 3,928 |
| Net loans and leases to deposits | 82.0268% | 3,101 |
| Net loans and leases to core deposits | 88.8890% | 3,253 |
| Total domestic deposits to total assets | 79.1125% | 5,996 |
| Equity capital to assets | 10.2642% | 3,809 |
| Core capital (leverage) ratio | 9.8722% | 3,398 |
| Tier 1 risk-based capital ratio | 14.8852% | 3,310 |
| Total risk-based capital ratio | 16.0400% | 3,330 |
| Memoranda: | ||
| Average total assets | $111,174,250 | 4,734 |
| Average earning assets | $101,617,750 | 4,739 |
| Average equity | $11,254,500 | 4,867 |
| Average total loans | $74,786,250 | 4,575 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4776% | 2,621 |
| Cost of funding earning assets | 1.4519% | 3,545 |
| Net interest margin | 4.0258% | 2,896 |
| Noninterest income to average assets | 0.7296% | 2,521 |
| Noninterest expense to average assets | 3.4567% | 2,132 |
| Loan and lease loss provision to assets | 0.4154% | 3,241 |
| Net operating income to assets | 0.4429% | 4,573 |
| Return on assets (ROA) | 0.5599% | 4,187 |
| Pretax return on assets | 0.6809% | 4,309 |
| Return on Equity (ROE) | 5.5566% | 4,017 |
| Retained earnings to average equity (ytd only) | 3.7462% | 3,714 |
| Net charge-offs to loans | 0.8992% | 2,031 |
| Credit loss provision to net charge-offs | 68.2493% | 5,012 |
| Earnings coverage of net charge-offs (x) | 1.5668% | 4,317 |
| Efficiency ratio | 78.3784% | 2,662 |
| Assets per employee ($millions) | 2.7518% | 6,685 |
| Cash dividends to net income (ytd only)* | 32.5806% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 3,240 |
| Loan loss allowance to noncurrent loans | 81.2291% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.6408% | 3,975 |
| Noncurrent loans to loans | 2.0353% | 3,674 |
| Net loans and leases to total assets | 65.7182% | 3,891 |
| Net loans and leases to deposits | 81.3312% | 3,378 |
| Net loans and leases to core deposits | 86.0231% | 3,831 |
| Total domestic deposits to total assets | 80.8031% | 5,468 |
| Equity capital to assets | 10.2526% | 3,701 |
| Core capital (leverage) ratio | 9.8729% | 3,310 |
| Tier 1 risk-based capital ratio | 15.0564% | 3,130 |
| Total risk-based capital ratio | 16.3093% | 3,092 |
| Memoranda: | ||
| Average total assets | $110,742,670 | 4,779 |
| Average earning assets | $101,248,000 | 4,771 |
| Average equity | $11,158,000 | 4,890 |
| Average total loans | $74,952,670 | 4,604 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4945% | 2,606 |
| Cost of funding earning assets | 1.4631% | 3,790 |
| Net interest margin | 4.0314% | 2,739 |
| Noninterest income to average assets | 0.7274% | 2,420 |
| Noninterest expense to average assets | 3.4174% | 2,187 |
| Loan and lease loss provision to assets | 0.4321% | 2,797 |
| Net operating income to assets | 0.4593% | 4,577 |
| Return on assets (ROA) | 0.5294% | 4,376 |
| Pretax return on assets | 0.6554% | 4,389 |
| Return on Equity (ROE) | 5.2999% | 4,210 |
| Retained earnings to average equity (ytd only) | 3.2449% | 4,200 |
| Net charge-offs to loans | 0.4283% | 2,763 |
| Credit loss provision to net charge-offs | 148.1481% | 2,406 |
| Earnings coverage of net charge-offs (x) | 3.4321% | 2,910 |
| Efficiency ratio | 77.3431% | 3,006 |
| Assets per employee ($millions) | 2.6783% | 6,903 |
| Cash dividends to net income (ytd only)* | 38.7755% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8070% | 2,710 |
| Loan loss allowance to noncurrent loans | 194.2939% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.8524% | 5,452 |
| Noncurrent loans to loans | 0.9300% | 5,461 |
| Net loans and leases to total assets | 67.4004% | 3,528 |
| Net loans and leases to deposits | 84.3136% | 2,885 |
| Net loans and leases to core deposits | 91.4339% | 3,181 |
| Total domestic deposits to total assets | 79.9401% | 5,800 |
| Equity capital to assets | 10.1456% | 3,675 |
| Core capital (leverage) ratio | 9.8476% | 3,342 |
| Tier 1 risk-based capital ratio | 14.8200% | 3,202 |
| Total risk-based capital ratio | 16.0773% | 3,152 |
| Memoranda: | ||
| Average total assets | $111,079,000 | 4,847 |
| Average earning assets | $101,701,000 | 4,825 |
| Average equity | $11,094,500 | 4,955 |
| Average total loans | $75,653,000 | 4,649 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7306% | 2,957 |
| Cost of funding earning assets | 1.8015% | 3,990 |
| Net interest margin | 3.9291% | 3,162 |
| Noninterest income to average assets | 0.8921% | 1,973 |
| Noninterest expense to average assets | 3.3516% | 2,828 |
| Loan and lease loss provision to assets | 0.6122% | 3,347 |
| Net operating income to assets | 0.4619% | 3,882 |
| Return on assets (ROA) | 0.4825% | 3,900 |
| Pretax return on assets | 0.5879% | 3,935 |
| Return on Equity (ROE) | 5.0007% | 3,663 |
| Retained earnings to average equity (ytd only) | 3.8531% | 2,511 |
| Net charge-offs to loans | 0.5941% | 3,437 |
| Credit loss provision to net charge-offs | 150.4425% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.8872% | 3,643 |
| Efficiency ratio | 74.0453% | 3,887 |
| Assets per employee ($millions) | 2.6749% | 6,901 |
| Cash dividends to net income (ytd only)* | 22.9478% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7437% | 2,735 |
| Loan loss allowance to noncurrent loans | 193.0029% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6507% | 5,840 |
| Noncurrent loans to loans | 0.9035% | 5,503 |
| Net loans and leases to total assets | 66.4076% | 4,055 |
| Net loans and leases to deposits | 83.2222% | 3,418 |
| Net loans and leases to core deposits | 99.3237% | 4,074 |
| Total domestic deposits to total assets | 79.7956% | 5,730 |
| Equity capital to assets | 9.8338% | 3,964 |
| Core capital (leverage) ratio | 9.4478% | 3,784 |
| Tier 1 risk-based capital ratio | 14.4072% | 3,257 |
| Total risk-based capital ratio | 15.6614% | 3,208 |
| Memoranda: | ||
| Average total assets | $111,082,600 | 4,792 |
| Average earning assets | $102,746,800 | 4,766 |
| Average equity | $10,718,600 | 5,096 |
| Average total loans | $76,078,400 | 4,651 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7554% | 3,083 |
| Cost of funding earning assets | 1.8471% | 4,169 |
| Net interest margin | 3.9083% | 3,211 |
| Noninterest income to average assets | 0.7788% | 2,557 |
| Noninterest expense to average assets | 3.3932% | 2,599 |
| Loan and lease loss provision to assets | 0.3852% | 4,012 |
| Net operating income to assets | 0.4153% | 4,338 |
| Return on assets (ROA) | 0.4153% | 4,435 |
| Pretax return on assets | 0.6247% | 4,111 |
| Return on Equity (ROE) | 4.3247% | 4,243 |
| Retained earnings to average equity (ytd only) | 3.3093% | 3,461 |
| Net charge-offs to loans | 0.6902% | 2,627 |
| Credit loss provision to net charge-offs | 81.2183% | 5,732 |
| Earnings coverage of net charge-offs (x) | 2.1294% | 4,226 |
| Efficiency ratio | 77.0640% | 3,306 |
| Assets per employee ($millions) | 2.7359% | 6,770 |
| Cash dividends to net income (ytd only)* | 23.4788% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 4,287 |
| Loan loss allowance to noncurrent loans | 321.3836% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 6,791 |
| Noncurrent loans to loans | 0.4154% | 6,506 |
| Net loans and leases to total assets | 67.3308% | 4,109 |
| Net loans and leases to deposits | 86.2453% | 3,262 |
| Net loans and leases to core deposits | 107.7144% | 3,505 |
| Total domestic deposits to total assets | 78.0690% | 6,069 |
| Equity capital to assets | 9.8101% | 4,336 |
| Core capital (leverage) ratio | 9.3268% | 4,144 |
| Tier 1 risk-based capital ratio | 14.1625% | 3,465 |
| Total risk-based capital ratio | 15.4128% | 3,407 |
| Memoranda: | ||
| Average total assets | $110,766,500 | 4,836 |
| Average earning assets | $102,718,000 | 4,796 |
| Average equity | $10,636,250 | 5,156 |
| Average total loans | $76,115,250 | 4,690 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7347% | 3,370 |
| Cost of funding earning assets | 1.9051% | 4,232 |
| Net interest margin | 3.8296% | 3,416 |
| Noninterest income to average assets | 0.7815% | 2,509 |
| Noninterest expense to average assets | 3.3980% | 2,640 |
| Loan and lease loss provision to assets | 0.3808% | 3,647 |
| Net operating income to assets | 0.3717% | 4,613 |
| Return on assets (ROA) | 0.3717% | 4,712 |
| Pretax return on assets | 0.5603% | 4,441 |
| Return on Equity (ROE) | 3.8997% | 4,536 |
| Retained earnings to average equity (ytd only) | 2.9295% | 3,698 |
| Net charge-offs to loans | 1.0293% | 1,728 |
| Credit loss provision to net charge-offs | 53.7084% | 5,706 |
| Earnings coverage of net charge-offs (x) | 1.3274% | 4,526 |
| Efficiency ratio | 78.3117% | 3,300 |
| Assets per employee ($millions) | 3.6989% | 4,330 |
| Cash dividends to net income (ytd only)* | 24.8780% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 4,834 |
| Loan loss allowance to noncurrent loans | 144.3218% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5894% | 5,945 |
| Noncurrent loans to loans | 0.8418% | 5,538 |
| Net loans and leases to total assets | 67.0473% | 4,350 |
| Net loans and leases to deposits | 88.2354% | 3,137 |
| Net loans and leases to core deposits | 103.0314% | 4,176 |
| Total domestic deposits to total assets | 75.9868% | 6,552 |
| Equity capital to assets | 9.4838% | 4,628 |
| Core capital (leverage) ratio | 9.3421% | 4,112 |
| Tier 1 risk-based capital ratio | 14.1325% | 3,439 |
| Total risk-based capital ratio | 15.3745% | 3,384 |
| Memoranda: | ||
| Average total assets | $110,298,670 | 4,874 |
| Average earning assets | $102,464,330 | 4,826 |
| Average equity | $10,513,670 | 5,208 |
| Average total loans | $75,971,330 | 4,736 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7329% | 3,629 |
| Cost of funding earning assets | 1.9606% | 4,327 |
| Net interest margin | 3.7723% | 3,578 |
| Noninterest income to average assets | 0.7821% | 2,418 |
| Noninterest expense to average assets | 3.5030% | 2,094 |
| Loan and lease loss provision to assets | 0.2183% | 4,270 |
| Net operating income to assets | 0.3747% | 4,962 |
| Return on assets (ROA) | 0.3747% | 5,145 |
| Pretax return on assets | 0.5602% | 4,880 |
| Return on Equity (ROE) | 3.9206% | 4,971 |
| Retained earnings to average equity (ytd only) | 1.9794% | 4,756 |
| Net charge-offs to loans | 1.8244% | 793 |
| Credit loss provision to net charge-offs | 17.2414% | 5,104 |
| Earnings coverage of net charge-offs (x) | 0.6149% | 4,504 |
| Efficiency ratio | 81.8182% | 2,556 |
| Assets per employee ($millions) | 2.7984% | 6,645 |
| Cash dividends to net income (ytd only)* | 49.5146% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 5,613 |
| Loan loss allowance to noncurrent loans | 261.4887% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 6,663 |
| Noncurrent loans to loans | 0.4126% | 6,390 |
| Net loans and leases to total assets | 67.8881% | 4,165 |
| Net loans and leases to deposits | 89.3578% | 3,039 |
| Net loans and leases to core deposits | 105.4586% | 3,975 |
| Total domestic deposits to total assets | 75.9733% | 6,516 |
| Equity capital to assets | 9.6805% | 4,412 |
| Core capital (leverage) ratio | 9.8870% | 3,533 |
| Tier 1 risk-based capital ratio | 14.1842% | 3,484 |
| Total risk-based capital ratio | 15.2967% | 3,484 |
| Memoranda: | ||
| Average total assets | $109,964,000 | 4,909 |
| Average earning assets | $102,007,500 | 4,861 |
| Average equity | $10,508,500 | 5,237 |
| Average total loans | $76,299,000 | 4,755 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2540% | 4,218 |
| Cost of funding earning assets | 2.3809% | 4,808 |
| Net interest margin | 3.8730% | 3,691 |
| Noninterest income to average assets | 0.9501% | 1,767 |
| Noninterest expense to average assets | 3.4823% | 2,446 |
| Loan and lease loss provision to assets | 0.2069% | 4,821 |
| Net operating income to assets | 0.5585% | 4,488 |
| Return on assets (ROA) | 0.6039% | 4,145 |
| Pretax return on assets | 0.8588% | 3,856 |
| Return on Equity (ROE) | 6.4046% | 3,796 |
| Retained earnings to average equity (ytd only) | 4.9980% | 2,029 |
| Net charge-offs to loans | 0.0383% | 6,258 |
| Credit loss provision to net charge-offs | 758.6207% | 558 |
| Earnings coverage of net charge-offs (x) | 36.6897% | 1,004 |
| Efficiency ratio | 77.6752% | 2,970 |
| Assets per employee ($millions) | 2.5765% | 7,054 |
| Cash dividends to net income (ytd only)* | 21.9626% | 4,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 3,138 |
| Loan loss allowance to noncurrent loans | 381.8815% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 6,544 |
| Noncurrent loans to loans | 0.3694% | 6,254 |
| Net loans and leases to total assets | 69.1419% | 4,214 |
| Net loans and leases to deposits | 91.1311% | 3,271 |
| Net loans and leases to core deposits | 106.9187% | 4,087 |
| Total domestic deposits to total assets | 75.8708% | 6,279 |
| Equity capital to assets | 9.4340% | 4,782 |
| Core capital (leverage) ratio | 9.4095% | 4,142 |
| Tier 1 risk-based capital ratio | 13.6164% | 3,751 |
| Total risk-based capital ratio | 14.8691% | 3,656 |
| Memoranda: | ||
| Average total assets | $106,309,800 | 4,867 |
| Average earning assets | $96,978,600 | 4,892 |
| Average equity | $10,024,000 | 5,405 |
| Average total loans | $75,710,800 | 4,664 |