Home > Farmers State Bank of Camp Point > Performance and Condition Ratios
Farmers State Bank of Camp Point, Performance and Condition Ratios
| 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 | 3.4735% | 4,768 |
| Cost of funding earning assets | 0.1866% | 5,096 |
| Net interest margin | 3.2869% | 4,059 |
| Noninterest income to average assets | 0.3277% | 4,200 |
| Noninterest expense to average assets | 1.9583% | 5,137 |
| Loan and lease loss provision to assets | 0.0936% | 1,977 |
| Net operating income to assets | 1.1703% | 1,589 |
| Return on assets (ROA) | 1.1703% | 1,633 |
| Pretax return on assets | 1.1625% | 2,733 |
| Return on Equity (ROE) | 8.5100% | 2,670 |
| Retained earnings to average equity (ytd only) | -48.2235% | 5,819 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9223% | 4,328 |
| Assets per employee ($millions) | 6.3153% | 1,287 |
| Cash dividends to net income (ytd only)* | 666.6667% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0652% | 5,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 36.4297% | 5,387 |
| Net loans and leases to deposits | 46.3707% | 5,289 |
| Net loans and leases to core deposits | 46.6658% | 5,344 |
| Total domestic deposits to total assets | 78.5618% | 4,898 |
| Equity capital to assets | 13.2932% | 1,152 |
| Core capital (leverage) ratio | 8.0772% | 5,522 |
| Tier 1 risk-based capital ratio | 15.7953% | 2,622 |
| Total risk-based capital ratio | 15.8510% | 3,086 |
| Memoranda: | ||
| Average total assets | $51,270,000 | 5,286 |
| Average earning assets | $45,027,000 | 5,319 |
| Average equity | $7,050,500 | 5,053 |
| Average total loans | $17,753,500 | 5,529 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4378% | 5,904 |
| Cost of funding earning assets | 0.0390% | 5,854 |
| Net interest margin | 0.3989% | 5,903 |
| Noninterest income to average assets | 0.5250% | 3,060 |
| Noninterest expense to average assets | 0.2149% | 5,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6593% | 3,956 |
| Return on assets (ROA) | 0.6593% | 4,074 |
| Pretax return on assets | 0.6696% | 4,589 |
| Return on Equity (ROE) | 4.5356% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.5356% | 2,672 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.2991% | 5,889 |
| Assets per employee ($millions) | 6.5023% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,860 |
| 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 | 32.8540% | 5,576 |
| Net loans and leases to deposits | 41.8852% | 5,495 |
| Net loans and leases to core deposits | 41.8852% | 5,549 |
| Total domestic deposits to total assets | 78.4382% | 4,905 |
| Equity capital to assets | 14.1970% | 826 |
| Core capital (leverage) ratio | 9.7613% | 3,793 |
| Tier 1 risk-based capital ratio | 20.0776% | 1,360 |
| Total risk-based capital ratio | 20.0858% | 1,604 |
| Memoranda: | ||
| Average total assets | $48,384,200 | 5,377 |
| Average earning assets | $43,625,200 | 5,386 |
| Average equity | $7,033,200 | 5,083 |
| Average total loans | $16,678,200 | 5,622 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9711% | 5,594 |
| Cost of funding earning assets | 0.2468% | 4,631 |
| Net interest margin | 2.7243% | 5,461 |
| Noninterest income to average assets | 0.4156% | 3,813 |
| Noninterest expense to average assets | 2.0192% | 5,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7892% | 3,413 |
| Return on assets (ROA) | 0.7892% | 3,558 |
| Pretax return on assets | 0.8762% | 4,061 |
| Return on Equity (ROE) | 5.3945% | 4,351 |
| Retained earnings to average equity (ytd only) | 2.5148% | 4,412 |
| Net charge-offs to loans | -0.0322% | 5,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7381% | 2,932 |
| Assets per employee ($millions) | 6.0126% | 1,426 |
| Cash dividends to net income (ytd only)* | 53.3817% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 4,583 |
| Loan loss allowance to noncurrent loans | 24.8466% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 1.3555% | 1,387 |
| Noncurrent loans to loans | 3.8877% | 292 |
| Net loans and leases to total assets | 34.5294% | 5,601 |
| Net loans and leases to deposits | 41.7479% | 5,587 |
| Net loans and leases to core deposits | 41.7479% | 5,638 |
| Total domestic deposits to total assets | 82.7093% | 3,708 |
| Equity capital to assets | 14.6878% | 818 |
| Core capital (leverage) ratio | 11.6004% | 1,957 |
| Tier 1 risk-based capital ratio | 22.2346% | 1,108 |
| Total risk-based capital ratio | 22.9326% | 1,157 |
| Memoranda: | ||
| Average total assets | $47,475,750 | 5,450 |
| Average earning assets | $43,215,000 | 5,448 |
| Average equity | $6,945,250 | 5,150 |
| Average total loans | $16,575,250 | 5,684 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0327% | 5,617 |
| Cost of funding earning assets | 0.2465% | 4,692 |
| Net interest margin | 2.7862% | 5,445 |
| Noninterest income to average assets | 0.4147% | 3,786 |
| Noninterest expense to average assets | 2.0268% | 5,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7151% | 3,719 |
| Return on assets (ROA) | 0.7151% | 3,874 |
| Pretax return on assets | 0.9224% | 3,866 |
| Return on Equity (ROE) | 4.8948% | 4,561 |
| Retained earnings to average equity (ytd only) | 1.9985% | 4,565 |
| Net charge-offs to loans | -0.0485% | 5,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7231% | 3,210 |
| Assets per employee ($millions) | 5.1456% | 2,148 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 4,722 |
| Loan loss allowance to noncurrent loans | 24.8466% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 1.4079% | 1,393 |
| Noncurrent loans to loans | 3.8621% | 322 |
| Net loans and leases to total assets | 36.1045% | 5,601 |
| Net loans and leases to deposits | 44.0266% | 5,564 |
| Net loans and leases to core deposits | 44.0266% | 5,627 |
| Total domestic deposits to total assets | 82.0060% | 3,995 |
| Equity capital to assets | 15.1976% | 691 |
| Core capital (leverage) ratio | 11.5048% | 1,991 |
| Tier 1 risk-based capital ratio | 22.1819% | 1,116 |
| Total risk-based capital ratio | 22.8867% | 1,166 |
| Memoranda: | ||
| Average total assets | $47,267,330 | 5,517 |
| Average earning assets | $42,998,000 | 5,519 |
| Average equity | $6,905,330 | 5,213 |
| Average total loans | $16,510,000 | 5,749 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0529% | 5,640 |
| Cost of funding earning assets | 0.2582% | 4,626 |
| Net interest margin | 2.7946% | 5,470 |
| Noninterest income to average assets | 0.3519% | 4,208 |
| Noninterest expense to average assets | 2.0274% | 5,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6870% | 3,777 |
| Return on assets (ROA) | 0.6870% | 3,894 |
| Pretax return on assets | 0.8629% | 3,991 |
| Return on Equity (ROE) | 4.7960% | 4,580 |
| Retained earnings to average equity (ytd only) | 1.8716% | 4,511 |
| Net charge-offs to loans | -0.0980% | 5,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1449% | 3,093 |
| Assets per employee ($millions) | 5.2124% | 2,123 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 4,664 |
| 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 | 34.5157% | 5,696 |
| Net loans and leases to deposits | 41.7126% | 5,660 |
| Net loans and leases to core deposits | 41.7126% | 5,724 |
| Total domestic deposits to total assets | 82.7464% | 3,988 |
| Equity capital to assets | 14.7063% | 772 |
| Core capital (leverage) ratio | 11.1189% | 2,291 |
| Tier 1 risk-based capital ratio | 21.7328% | 1,199 |
| Total risk-based capital ratio | 22.4242% | 1,260 |
| Memoranda: | ||
| Average total assets | $47,746,000 | 5,559 |
| Average earning assets | $43,369,000 | 5,564 |
| Average equity | $6,839,000 | 5,263 |
| Average total loans | $16,324,000 | 5,812 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0457% | 5,696 |
| Cost of funding earning assets | 0.2646% | 4,646 |
| Net interest margin | 2.7811% | 5,549 |
| Noninterest income to average assets | 0.4430% | 3,724 |
| Noninterest expense to average assets | 1.9554% | 5,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7751% | 3,444 |
| Return on assets (ROA) | 0.8248% | 3,307 |
| Pretax return on assets | 1.0800% | 3,154 |
| Return on Equity (ROE) | 5.7296% | 4,170 |
| Retained earnings to average equity (ytd only) | -4.5280% | 5,894 |
| Net charge-offs to loans | -0.0492% | 5,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8381% | 3,928 |
| Assets per employee ($millions) | 5.3978% | 1,904 |
| Cash dividends to net income (ytd only)* | 179.0281% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 4,772 |
| Loan loss allowance to noncurrent loans | 1,316.6667% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 5,594 |
| Noncurrent loans to loans | 0.0736% | 5,210 |
| Net loans and leases to total assets | 33.2153% | 5,798 |
| Net loans and leases to deposits | 39.6150% | 5,781 |
| Net loans and leases to core deposits | 39.6150% | 5,835 |
| Total domestic deposits to total assets | 83.8452% | 3,548 |
| Equity capital to assets | 13.9543% | 945 |
| Core capital (leverage) ratio | 10.8876% | 2,508 |
| Tier 1 risk-based capital ratio | 20.7718% | 1,336 |
| Total risk-based capital ratio | 21.4204% | 1,421 |
| Memoranda: | ||
| Average total assets | $47,407,000 | 5,603 |
| Average earning assets | $43,076,600 | 5,606 |
| Average equity | $6,824,200 | 5,275 |
| Average total loans | $16,251,200 | 5,856 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0097% | 5,806 |
| Cost of funding earning assets | 0.2648% | 4,726 |
| Net interest margin | 2.7449% | 5,671 |
| Noninterest income to average assets | 0.4330% | 3,846 |
| Noninterest expense to average assets | 2.0715% | 5,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6798% | 3,993 |
| Return on assets (ROA) | 0.7499% | 3,777 |
| Pretax return on assets | 0.9424% | 3,843 |
| Return on Equity (ROE) | 5.1689% | 4,544 |
| Retained earnings to average equity (ytd only) | -7.5096% | 6,085 |
| Net charge-offs to loans | -0.2299% | 6,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7930% | 3,079 |
| Assets per employee ($millions) | 5.2569% | 1,993 |
| Cash dividends to net income (ytd only)* | 245.2876% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 3,725 |
| Loan loss allowance to noncurrent loans | 556.2500% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 5,488 |
| Noncurrent loans to loans | 0.2136% | 4,798 |
| Net loans and leases to total assets | 31.2902% | 5,940 |
| Net loans and leases to deposits | 37.5803% | 5,937 |
| Net loans and leases to core deposits | 37.5803% | 5,982 |
| Total domestic deposits to total assets | 83.2622% | 3,714 |
| Equity capital to assets | 14.2966% | 916 |
| Core capital (leverage) ratio | 10.9476% | 2,545 |
| Tier 1 risk-based capital ratio | 21.7975% | 1,224 |
| Total risk-based capital ratio | 22.5760% | 1,273 |
| Memoranda: | ||
| Average total assets | $47,113,750 | 5,677 |
| Average earning assets | $42,794,250 | 5,688 |
| Average equity | $6,835,500 | 5,339 |
| Average total loans | $16,240,500 | 5,929 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0403% | 5,819 |
| Cost of funding earning assets | 0.2573% | 4,868 |
| Net interest margin | 2.7830% | 5,649 |
| Noninterest income to average assets | 0.4208% | 3,911 |
| Noninterest expense to average assets | 2.0660% | 5,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6879% | 3,947 |
| Return on assets (ROA) | 0.7907% | 3,529 |
| Pretax return on assets | 1.0160% | 3,517 |
| Return on Equity (ROE) | 5.4233% | 4,416 |
| Retained earnings to average equity (ytd only) | -12.0711% | 6,208 |
| Net charge-offs to loans | -0.2521% | 6,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0288% | 3,323 |
| Assets per employee ($millions) | 5.0884% | 2,155 |
| Cash dividends to net income (ytd only)* | 322.5806% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 4,512 |
| Loan loss allowance to noncurrent loans | 534.3750% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 5,584 |
| Noncurrent loans to loans | 0.1993% | 4,977 |
| Net loans and leases to total assets | 34.6930% | 5,876 |
| Net loans and leases to deposits | 41.8050% | 5,847 |
| Net loans and leases to core deposits | 41.8050% | 5,906 |
| Total domestic deposits to total assets | 82.9876% | 3,966 |
| Equity capital to assets | 14.6083% | 798 |
| Core capital (leverage) ratio | 10.9860% | 2,435 |
| Tier 1 risk-based capital ratio | 21.1698% | 1,329 |
| Total risk-based capital ratio | 21.9004% | 1,401 |
| Memoranda: | ||
| Average total assets | $47,047,670 | 5,743 |
| Average earning assets | $42,759,000 | 5,746 |
| Average equity | $6,859,330 | 5,387 |
| Average total loans | $16,660,000 | 5,977 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1107% | 5,767 |
| Cost of funding earning assets | 0.2677% | 4,822 |
| Net interest margin | 2.8430% | 5,564 |
| Noninterest income to average assets | 0.3692% | 4,255 |
| Noninterest expense to average assets | 2.0473% | 5,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6775% | 3,908 |
| Return on assets (ROA) | 0.8726% | 3,007 |
| Pretax return on assets | 1.1663% | 2,806 |
| Return on Equity (ROE) | 5.9908% | 4,043 |
| Retained earnings to average equity (ytd only) | -25.6912% | 6,319 |
| Net charge-offs to loans | -0.2594% | 6,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3182% | 3,608 |
| Assets per employee ($millions) | 5.2466% | 2,059 |
| Cash dividends to net income (ytd only)* | 528.8462% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 5,178 |
| Loan loss allowance to noncurrent loans | 447.2222% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 5,636 |
| Noncurrent loans to loans | 0.2164% | 5,005 |
| Net loans and leases to total assets | 34.8906% | 5,882 |
| Net loans and leases to deposits | 41.9499% | 5,834 |
| Net loans and leases to core deposits | 41.9499% | 5,913 |
| Total domestic deposits to total assets | 83.1720% | 4,132 |
| Equity capital to assets | 14.3057% | 887 |
| Core capital (leverage) ratio | 10.7152% | 2,734 |
| Tier 1 risk-based capital ratio | 20.0980% | 1,591 |
| Total risk-based capital ratio | 20.7553% | 1,691 |
| Memoranda: | ||
| Average total assets | $47,673,500 | 5,779 |
| Average earning assets | $43,334,000 | 5,773 |
| Average equity | $6,944,000 | 5,416 |
| Average total loans | $16,960,500 | 6,017 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2899% | 5,715 |
| Cost of funding earning assets | 0.3020% | 4,773 |
| Net interest margin | 2.9880% | 5,472 |
| Noninterest income to average assets | 0.4061% | 4,137 |
| Noninterest expense to average assets | 1.9814% | 5,803 |
| Loan and lease loss provision to assets | -0.0615% | 6,070 |
| Net operating income to assets | 0.8882% | 2,932 |
| Return on assets (ROA) | 0.8882% | 3,013 |
| Pretax return on assets | 1.2061% | 2,631 |
| Return on Equity (ROE) | 6.2077% | 4,049 |
| Retained earnings to average equity (ytd only) | 3.3404% | 3,841 |
| Net charge-offs to loans | -0.1657% | 6,226 |
| Credit loss provision to net charge-offs | 107.1429% | 2,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3858% | 4,688 |
| Assets per employee ($millions) | 6.0160% | 1,366 |
| Cash dividends to net income (ytd only)* | 46.1894% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 5,574 |
| Loan loss allowance to noncurrent loans | 288.4615% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 5,607 |
| Noncurrent loans to loans | 0.3008% | 4,766 |
| Net loans and leases to total assets | 35.6030% | 5,971 |
| Net loans and leases to deposits | 42.9287% | 5,933 |
| Net loans and leases to core deposits | 42.9287% | 5,996 |
| Total domestic deposits to total assets | 82.9351% | 4,104 |
| Equity capital to assets | 14.8209% | 734 |
| Core capital (leverage) ratio | 11.2193% | 2,203 |
| Tier 1 risk-based capital ratio | 21.5602% | 1,299 |
| Total risk-based capital ratio | 22.1624% | 1,397 |
| Memoranda: | ||
| Average total assets | $48,752,800 | 5,814 |
| Average earning assets | $44,377,600 | 5,822 |
| Average equity | $6,975,200 | 5,421 |
| Average total loans | $16,896,000 | 6,092 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3060% | 5,760 |
| Cost of funding earning assets | 0.3082% | 4,802 |
| Net interest margin | 2.9979% | 5,509 |
| Noninterest income to average assets | 0.3816% | 4,386 |
| Noninterest expense to average assets | 2.0146% | 5,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8260% | 3,309 |
| Return on assets (ROA) | 0.8260% | 3,398 |
| Pretax return on assets | 1.0986% | 3,193 |
| Return on Equity (ROE) | 5.8247% | 4,323 |
| Retained earnings to average equity (ytd only) | 2.9411% | 4,501 |
| Net charge-offs to loans | -0.1826% | 6,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7110% | 4,428 |
| Assets per employee ($millions) | 5.3946% | 1,821 |
| Cash dividends to net income (ytd only)* | 49.5062% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 4,942 |
| Loan loss allowance to noncurrent loans | 336.5385% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 5,736 |
| Noncurrent loans to loans | 0.3150% | 4,964 |
| Net loans and leases to total assets | 33.6368% | 6,128 |
| Net loans and leases to deposits | 41.4083% | 6,073 |
| Net loans and leases to core deposits | 41.4083% | 6,141 |
| Total domestic deposits to total assets | 81.2321% | 4,757 |
| Equity capital to assets | 14.5126% | 850 |
| Core capital (leverage) ratio | 11.1996% | 2,311 |
| Tier 1 risk-based capital ratio | 21.0984% | 1,434 |
| Total risk-based capital ratio | 21.7964% | 1,506 |
| Memoranda: | ||
| Average total assets | $48,909,000 | 5,878 |
| Average earning assets | $44,564,250 | 5,879 |
| Average equity | $6,935,750 | 5,478 |
| Average total loans | $16,798,750 | 6,157 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4245% | 5,570 |
| Cost of funding earning assets | 0.3093% | 4,887 |
| Net interest margin | 3.1152% | 5,214 |
| Noninterest income to average assets | 0.4079% | 4,188 |
| Noninterest expense to average assets | 2.0111% | 5,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8974% | 2,825 |
| Return on assets (ROA) | 0.8974% | 2,921 |
| Pretax return on assets | 1.2319% | 2,531 |
| Return on Equity (ROE) | 6.3777% | 3,951 |
| Retained earnings to average equity (ytd only) | 3.4788% | 3,988 |
| Net charge-offs to loans | -0.2367% | 6,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0126% | 5,003 |
| Assets per employee ($millions) | 5.3850% | 1,798 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 5,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 33.2797% | 6,186 |
| Net loans and leases to deposits | 41.7288% | 6,079 |
| Net loans and leases to core deposits | 41.7288% | 6,159 |
| Total domestic deposits to total assets | 79.7524% | 5,297 |
| Equity capital to assets | 14.5074% | 818 |
| Core capital (leverage) ratio | 11.1295% | 2,308 |
| Tier 1 risk-based capital ratio | 20.9684% | 1,455 |
| Total risk-based capital ratio | 21.6545% | 1,559 |
| Memoranda: | ||
| Average total assets | $49,028,330 | 5,923 |
| Average earning assets | $44,620,000 | 5,930 |
| Average equity | $6,899,000 | 5,510 |
| Average total loans | $16,896,330 | 6,205 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5899% | 5,200 |
| Cost of funding earning assets | 0.3126% | 4,946 |
| Net interest margin | 3.2773% | 4,634 |
| Noninterest income to average assets | 0.3650% | 4,470 |
| Noninterest expense to average assets | 2.0037% | 5,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9572% | 2,372 |
| Return on assets (ROA) | 0.9572% | 2,444 |
| Pretax return on assets | 1.3385% | 1,968 |
| Return on Equity (ROE) | 6.9077% | 3,525 |
| Retained earnings to average equity (ytd only) | 3.9807% | 3,727 |
| Net charge-offs to loans | -0.2094% | 6,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9515% | 5,416 |
| Assets per employee ($millions) | 5.4551% | 1,747 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 5,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 34.6342% | 6,148 |
| Net loans and leases to deposits | 41.4105% | 6,109 |
| Net loans and leases to core deposits | 41.4105% | 6,181 |
| Total domestic deposits to total assets | 83.6361% | 4,406 |
| Equity capital to assets | 14.0684% | 896 |
| Core capital (leverage) ratio | 10.9191% | 2,466 |
| Tier 1 risk-based capital ratio | 20.0617% | 1,703 |
| Total risk-based capital ratio | 20.6821% | 1,821 |
| Memoranda: | ||
| Average total assets | $49,310,000 | 5,982 |
| Average earning assets | $44,792,500 | 5,979 |
| Average equity | $6,833,000 | 5,558 |
| Average total loans | $17,194,000 | 6,249 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9501% | 6,390 |
| Cost of funding earning assets | 0.3757% | 4,882 |
| Net interest margin | 2.5743% | 6,294 |
| Noninterest income to average assets | 0.3892% | 4,521 |
| Noninterest expense to average assets | 1.8197% | 6,287 |
| Loan and lease loss provision to assets | -0.1791% | 6,579 |
| Net operating income to assets | 0.7955% | 3,311 |
| Return on assets (ROA) | 0.8330% | 3,202 |
| Pretax return on assets | 1.1327% | 2,837 |
| Return on Equity (ROE) | 6.2943% | 3,921 |
| Retained earnings to average equity (ytd only) | 3.3530% | 3,841 |
| Net charge-offs to loans | -0.1933% | 6,609 |
| Credit loss provision to net charge-offs | 287.5000% | 787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8335% | 4,398 |
| Assets per employee ($millions) | 5.5027% | 1,647 |
| Cash dividends to net income (ytd only)* | 46.7290% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 5,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 34.4702% | 6,268 |
| Net loans and leases to deposits | 41.4919% | 6,253 |
| Net loans and leases to core deposits | 41.7466% | 6,313 |
| Total domestic deposits to total assets | 83.0769% | 4,523 |
| Equity capital to assets | 13.6479% | 1,014 |
| Core capital (leverage) ratio | 10.5457% | 2,854 |
| Tier 1 risk-based capital ratio | 19.5301% | 1,771 |
| Total risk-based capital ratio | 20.1080% | 1,925 |
| Memoranda: | ||
| Average total assets | $51,381,800 | 5,981 |
| Average earning assets | $46,575,400 | 5,968 |
| Average equity | $6,799,800 | 5,619 |
| Average total loans | $16,553,400 | 6,346 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8463% | 6,541 |
| Cost of funding earning assets | 0.3892% | 4,908 |
| Net interest margin | 2.4571% | 6,467 |
| Noninterest income to average assets | 0.3883% | 4,617 |
| Noninterest expense to average assets | 1.8644% | 6,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5997% | 4,346 |
| Return on assets (ROA) | 0.6532% | 4,235 |
| Pretax return on assets | 0.8152% | 4,233 |
| Return on Equity (ROE) | 4.9730% | 4,742 |
| Retained earnings to average equity (ytd only) | 2.0361% | 5,110 |
| Net charge-offs to loans | -0.1872% | 6,638 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3583% | 3,544 |
| Assets per employee ($millions) | 5.4921% | 1,632 |
| Cash dividends to net income (ytd only)* | 59.0563% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 3,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 33.5087% | 6,388 |
| Net loans and leases to deposits | 39.7623% | 6,391 |
| Net loans and leases to core deposits | 40.0024% | 6,450 |
| Total domestic deposits to total assets | 84.2724% | 4,074 |
| Equity capital to assets | 13.5912% | 1,082 |
| Core capital (leverage) ratio | 10.5099% | 2,995 |
| Tier 1 risk-based capital ratio | 19.1270% | 1,947 |
| Total risk-based capital ratio | 20.0237% | 2,025 |
| Memoranda: | ||
| Average total assets | $51,846,250 | 6,038 |
| Average earning assets | $46,936,750 | 6,033 |
| Average equity | $6,810,000 | 5,690 |
| Average total loans | $16,386,000 | 6,418 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8043% | 6,608 |
| Cost of funding earning assets | 0.3994% | 4,953 |
| Net interest margin | 2.4049% | 6,548 |
| Noninterest income to average assets | 0.3799% | 4,670 |
| Noninterest expense to average assets | 1.8233% | 6,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6002% | 4,278 |
| Return on assets (ROA) | 0.6002% | 4,461 |
| Pretax return on assets | 0.7293% | 4,581 |
| Return on Equity (ROE) | 4.6194% | 4,941 |
| Retained earnings to average equity (ytd only) | 1.6957% | 5,167 |
| Net charge-offs to loans | -0.1477% | 6,589 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 3,570 |
| Assets per employee ($millions) | 5.5176% | 1,570 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 4,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 32.0835% | 6,504 |
| Net loans and leases to deposits | 38.6708% | 6,462 |
| Net loans and leases to core deposits | 38.9069% | 6,511 |
| Total domestic deposits to total assets | 82.9655% | 4,707 |
| Equity capital to assets | 13.3211% | 1,211 |
| Core capital (leverage) ratio | 10.2222% | 3,195 |
| Tier 1 risk-based capital ratio | 19.1246% | 1,962 |
| Total risk-based capital ratio | 19.9869% | 2,034 |
| Memoranda: | ||
| Average total assets | $52,652,000 | 6,059 |
| Average earning assets | $47,570,330 | 6,051 |
| Average equity | $6,840,670 | 5,727 |
| Average total loans | $16,248,670 | 6,460 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7512% | 6,710 |
| Cost of funding earning assets | 0.4118% | 4,991 |
| Net interest margin | 2.3393% | 6,655 |
| Noninterest income to average assets | 0.4063% | 4,410 |
| Noninterest expense to average assets | 1.7507% | 6,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6131% | 4,153 |
| Return on assets (ROA) | 0.6131% | 4,315 |
| Pretax return on assets | 0.7535% | 4,359 |
| Return on Equity (ROE) | 4.7746% | 4,698 |
| Retained earnings to average equity (ytd only) | 1.8983% | 5,044 |
| Net charge-offs to loans | -0.1473% | 6,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9115% | 3,994 |
| Assets per employee ($millions) | 5.5874% | 1,590 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 4,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 30.6361% | 6,579 |
| Net loans and leases to deposits | 36.5184% | 6,554 |
| Net loans and leases to core deposits | 36.7361% | 6,601 |
| Total domestic deposits to total assets | 83.8925% | 4,522 |
| Equity capital to assets | 13.7908% | 1,096 |
| Core capital (leverage) ratio | 9.8272% | 3,631 |
| Tier 1 risk-based capital ratio | 19.6173% | 1,876 |
| Total risk-based capital ratio | 20.4827% | 1,944 |
| Memoranda: | ||
| Average total assets | $54,149,000 | 6,071 |
| Average earning assets | $48,561,500 | 6,085 |
| Average equity | $6,953,500 | 5,753 |
| Average total loans | $16,295,000 | 6,521 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3644% | 6,524 |
| Cost of funding earning assets | 0.5121% | 5,134 |
| Net interest margin | 2.8523% | 6,306 |
| Noninterest income to average assets | 0.3954% | 4,649 |
| Noninterest expense to average assets | 1.5950% | 6,813 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9444% | 2,582 |
| Return on assets (ROA) | 0.9458% | 2,825 |
| Pretax return on assets | 1.3392% | 2,260 |
| Return on Equity (ROE) | 7.0943% | 3,589 |
| Retained earnings to average equity (ytd only) | 4.1868% | 3,279 |
| Net charge-offs to loans | -0.1599% | 6,907 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3952% | 6,224 |
| Assets per employee ($millions) | 6.4457% | 1,026 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 4,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 28.8807% | 6,738 |
| Net loans and leases to deposits | 33.3207% | 6,751 |
| Net loans and leases to core deposits | 33.3207% | 6,785 |
| Total domestic deposits to total assets | 86.6749% | 3,006 |
| Equity capital to assets | 12.0184% | 2,034 |
| Core capital (leverage) ratio | 9.7700% | 3,696 |
| Tier 1 risk-based capital ratio | 18.4976% | 2,103 |
| Total risk-based capital ratio | 19.2963% | 2,218 |
| Memoranda: | ||
| Average total assets | $51,597,200 | 6,159 |
| Average earning assets | $45,892,000 | 6,183 |
| Average equity | $6,878,800 | 5,796 |
| Average total loans | $16,262,600 | 6,587 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5194% | 6,490 |
| Cost of funding earning assets | 0.5378% | 5,183 |
| Net interest margin | 2.9816% | 6,201 |
| Noninterest income to average assets | 0.4027% | 4,614 |
| Noninterest expense to average assets | 1.6242% | 6,856 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0062% | 2,469 |
| Return on assets (ROA) | 1.0081% | 2,693 |
| Pretax return on assets | 1.4428% | 2,103 |
| Return on Equity (ROE) | 7.3516% | 3,607 |
| Retained earnings to average equity (ytd only) | 4.4342% | 3,774 |
| Net charge-offs to loans | -0.2569% | 7,031 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0026% | 6,350 |
| Assets per employee ($millions) | 6.2596% | 1,092 |
| Cash dividends to net income (ytd only)* | 39.6833% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 4,739 |
| Loan loss allowance to noncurrent loans | 58.9674% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 4,845 |
| Noncurrent loans to loans | 2.2327% | 2,576 |
| Net loans and leases to total assets | 32.4800% | 6,724 |
| Net loans and leases to deposits | 38.5390% | 6,736 |
| Net loans and leases to core deposits | 38.5390% | 6,790 |
| Total domestic deposits to total assets | 84.2782% | 4,090 |
| Equity capital to assets | 14.0324% | 1,141 |
| Core capital (leverage) ratio | 10.2942% | 3,170 |
| Tier 1 risk-based capital ratio | 19.2834% | 1,926 |
| Total risk-based capital ratio | 20.1463% | 2,007 |
| Memoranda: | ||
| Average total assets | $49,993,750 | 6,284 |
| Average earning assets | $44,628,250 | 6,287 |
| Average equity | $6,855,500 | 5,868 |
| Average total loans | $16,086,750 | 6,680 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 6,473 |
| Cost of funding earning assets | 0.5563% | 5,255 |
| Net interest margin | 3.0505% | 6,124 |
| Noninterest income to average assets | 0.3883% | 4,738 |
| Noninterest expense to average assets | 1.6251% | 6,903 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0259% | 2,355 |
| Return on assets (ROA) | 1.0287% | 2,566 |
| Pretax return on assets | 1.4890% | 1,879 |
| Return on Equity (ROE) | 7.5607% | 3,473 |
| Retained earnings to average equity (ytd only) | 4.6188% | 3,537 |
| Net charge-offs to loans | -0.2883% | 7,067 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2523% | 6,478 |
| Assets per employee ($millions) | 6.0793% | 1,187 |
| Cash dividends to net income (ytd only)* | 38.9105% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 4,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 32.2614% | 6,794 |
| Net loans and leases to deposits | 38.5712% | 6,778 |
| Net loans and leases to core deposits | 38.5712% | 6,853 |
| Total domestic deposits to total assets | 83.6411% | 4,469 |
| Equity capital to assets | 14.1753% | 1,024 |
| Core capital (leverage) ratio | 10.0403% | 3,366 |
| Tier 1 risk-based capital ratio | 19.7455% | 1,773 |
| Total risk-based capital ratio | 20.6090% | 1,855 |
| Memoranda: | ||
| Average total assets | $49,966,000 | 6,323 |
| Average earning assets | $44,583,000 | 6,332 |
| Average equity | $6,798,330 | 5,908 |
| Average total loans | $15,955,000 | 6,734 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6015% | 6,572 |
| Cost of funding earning assets | 0.5869% | 5,237 |
| Net interest margin | 3.0146% | 6,261 |
| Noninterest income to average assets | 0.3713% | 4,895 |
| Noninterest expense to average assets | 1.6669% | 6,925 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9584% | 2,648 |
| Return on assets (ROA) | 0.9638% | 2,819 |
| Pretax return on assets | 1.3904% | 2,218 |
| Return on Equity (ROE) | 7.2291% | 3,642 |
| Retained earnings to average equity (ytd only) | 4.2664% | 4,027 |
| Net charge-offs to loans | -0.4255% | 7,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6632% | 6,272 |
| Assets per employee ($millions) | 6.2044% | 1,149 |
| Cash dividends to net income (ytd only)* | 40.9836% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 5,107 |
| Loan loss allowance to noncurrent loans | 140.9722% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 6,164 |
| Noncurrent loans to loans | 0.9082% | 4,853 |
| Net loans and leases to total assets | 31.5362% | 6,853 |
| Net loans and leases to deposits | 37.4707% | 6,845 |
| Net loans and leases to core deposits | 37.4707% | 6,896 |
| Total domestic deposits to total assets | 84.1624% | 4,417 |
| Equity capital to assets | 13.7020% | 1,143 |
| Core capital (leverage) ratio | 9.8065% | 3,634 |
| Tier 1 risk-based capital ratio | 19.2701% | 1,911 |
| Total risk-based capital ratio | 20.1035% | 1,995 |
| Memoranda: | ||
| Average total assets | $50,632,000 | 6,349 |
| Average earning assets | $44,981,000 | 6,362 |
| Average equity | $6,750,500 | 5,947 |
| Average total loans | $15,983,000 | 6,797 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7400% | 6,797 |
| Cost of funding earning assets | 0.7955% | 4,905 |
| Net interest margin | 2.9444% | 6,618 |
| Noninterest income to average assets | 0.3542% | 4,968 |
| Noninterest expense to average assets | 1.6771% | 7,067 |
| Loan and lease loss provision to assets | 0.0040% | 6,470 |
| Net operating income to assets | 0.9214% | 2,520 |
| Return on assets (ROA) | 0.9466% | 2,548 |
| Pretax return on assets | 1.3609% | 1,911 |
| Return on Equity (ROE) | 7.2273% | 3,295 |
| Retained earnings to average equity (ytd only) | 4.1714% | 3,207 |
| Net charge-offs to loans | -0.1157% | 7,151 |
| Credit loss provision to net charge-offs | -11.1111% | 6,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7923% | 6,338 |
| Assets per employee ($millions) | 6.4536% | 981 |
| Cash dividends to net income (ytd only)* | 42.2833% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 5,607 |
| Loan loss allowance to noncurrent loans | 128.2759% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 6,259 |
| Noncurrent loans to loans | 0.9001% | 4,886 |
| Net loans and leases to total assets | 30.8431% | 6,977 |
| Net loans and leases to deposits | 36.2511% | 6,988 |
| Net loans and leases to core deposits | 36.2511% | 7,032 |
| Total domestic deposits to total assets | 85.0820% | 3,800 |
| Equity capital to assets | 12.9772% | 1,494 |
| Core capital (leverage) ratio | 9.5861% | 3,897 |
| Tier 1 risk-based capital ratio | 18.6451% | 2,007 |
| Total risk-based capital ratio | 19.3956% | 2,120 |
| Memoranda: | ||
| Average total assets | $49,968,200 | 6,367 |
| Average earning assets | $45,000,400 | 6,357 |
| Average equity | $6,544,600 | 6,000 |
| Average total loans | $15,556,400 | 6,877 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 6,867 |
| Cost of funding earning assets | 0.8335% | 4,914 |
| Net interest margin | 2.9453% | 6,677 |
| Noninterest income to average assets | 0.3471% | 5,083 |
| Noninterest expense to average assets | 1.6763% | 7,115 |
| Loan and lease loss provision to assets | 0.0054% | 6,356 |
| Net operating income to assets | 0.9271% | 2,639 |
| Return on assets (ROA) | 0.9606% | 2,647 |
| Pretax return on assets | 1.3857% | 1,984 |
| Return on Equity (ROE) | 7.3165% | 3,372 |
| Retained earnings to average equity (ytd only) | 4.2422% | 3,711 |
| Net charge-offs to loans | -0.0433% | 7,027 |
| Credit loss provision to net charge-offs | -40.0000% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5258% | 6,338 |
| Assets per employee ($millions) | 6.1996% | 1,085 |
| Cash dividends to net income (ytd only)* | 42.0177% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,887 |
| Loan loss allowance to noncurrent loans | 118.4932% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 6,322 |
| Noncurrent loans to loans | 0.9289% | 5,023 |
| Net loans and leases to total assets | 31.3406% | 7,042 |
| Net loans and leases to deposits | 37.1582% | 7,056 |
| Net loans and leases to core deposits | 37.1582% | 7,095 |
| Total domestic deposits to total assets | 84.3438% | 4,083 |
| Equity capital to assets | 13.5190% | 1,362 |
| Core capital (leverage) ratio | 9.6147% | 3,972 |
| Tier 1 risk-based capital ratio | 19.0269% | 1,926 |
| Total risk-based capital ratio | 19.7494% | 2,052 |
| Memoranda: | ||
| Average total assets | $49,553,000 | 6,433 |
| Average earning assets | $44,951,500 | 6,422 |
| Average equity | $6,505,750 | 6,056 |
| Average total loans | $15,418,000 | 6,950 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 6,985 |
| Cost of funding earning assets | 0.8587% | 4,994 |
| Net interest margin | 2.8786% | 6,831 |
| Noninterest income to average assets | 0.3472% | 5,106 |
| Noninterest expense to average assets | 1.6795% | 7,196 |
| Loan and lease loss provision to assets | 0.0081% | 6,160 |
| Net operating income to assets | 0.8825% | 2,726 |
| Return on assets (ROA) | 0.9326% | 2,610 |
| Pretax return on assets | 1.3444% | 1,984 |
| Return on Equity (ROE) | 7.1747% | 3,360 |
| Retained earnings to average equity (ytd only) | 4.0687% | 3,611 |
| Net charge-offs to loans | 0.0261% | 5,458 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 158.5000% | 225 |
| Efficiency ratio | 56.7531% | 6,326 |
| Assets per employee ($millions) | 6.0960% | 1,136 |
| Cash dividends to net income (ytd only)* | 43.2900% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 6,173 |
| Loan loss allowance to noncurrent loans | 113.6986% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 6,383 |
| Noncurrent loans to loans | 0.9173% | 5,136 |
| Net loans and leases to total assets | 32.2978% | 7,106 |
| Net loans and leases to deposits | 38.4471% | 7,106 |
| Net loans and leases to core deposits | 38.4471% | 7,155 |
| Total domestic deposits to total assets | 84.0059% | 4,349 |
| Equity capital to assets | 13.5806% | 1,255 |
| Core capital (leverage) ratio | 9.6016% | 3,804 |
| Tier 1 risk-based capital ratio | 18.9493% | 1,864 |
| Total risk-based capital ratio | 19.6515% | 1,990 |
| Memoranda: | ||
| Average total assets | $49,538,330 | 6,495 |
| Average earning assets | $44,952,330 | 6,475 |
| Average equity | $6,439,330 | 6,105 |
| Average total loans | $15,318,330 | 7,024 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5403% | 7,185 |
| Cost of funding earning assets | 0.8851% | 5,030 |
| Net interest margin | 2.6552% | 7,067 |
| Noninterest income to average assets | 0.3686% | 4,962 |
| Noninterest expense to average assets | 1.6746% | 7,249 |
| Loan and lease loss provision to assets | 0.0160% | 5,729 |
| Net operating income to assets | 0.7692% | 3,173 |
| Return on assets (ROA) | 0.7692% | 3,244 |
| Pretax return on assets | 1.0817% | 2,827 |
| Return on Equity (ROE) | 6.0496% | 3,877 |
| Retained earnings to average equity (ytd only) | 2.8988% | 4,421 |
| Net charge-offs to loans | 0.1065% | 3,891 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 34.2500% | 755 |
| Efficiency ratio | 60.4046% | 5,925 |
| Assets per employee ($millions) | 6.0169% | 1,182 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 6,002 |
| Loan loss allowance to noncurrent loans | 112.3288% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 6,440 |
| Noncurrent loans to loans | 0.9892% | 5,063 |
| Net loans and leases to total assets | 30.3210% | 7,219 |
| Net loans and leases to deposits | 35.8838% | 7,228 |
| Net loans and leases to core deposits | 35.8838% | 7,265 |
| Total domestic deposits to total assets | 84.4978% | 4,270 |
| Equity capital to assets | 13.2731% | 1,272 |
| Core capital (leverage) ratio | 9.3832% | 3,990 |
| Tier 1 risk-based capital ratio | 19.4452% | 1,711 |
| Total risk-based capital ratio | 20.1708% | 1,782 |
| Memoranda: | ||
| Average total assets | $49,923,500 | 6,534 |
| Average earning assets | $45,194,500 | 6,516 |
| Average equity | $6,347,500 | 6,140 |
| Average total loans | $15,019,000 | 7,090 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 7,002 |
| Cost of funding earning assets | 1.2024% | 4,553 |
| Net interest margin | 2.9360% | 6,843 |
| Noninterest income to average assets | 0.4324% | 4,664 |
| Noninterest expense to average assets | 1.7024% | 7,349 |
| Loan and lease loss provision to assets | 0.0501% | 6,655 |
| Net operating income to assets | 0.9567% | 2,182 |
| Return on assets (ROA) | 0.9567% | 2,305 |
| Pretax return on assets | 1.3473% | 1,809 |
| Return on Equity (ROE) | 7.3011% | 2,978 |
| Retained earnings to average equity (ytd only) | 4.1129% | 2,972 |
| Net charge-offs to loans | 0.0067% | 6,776 |
| Credit loss provision to net charge-offs | 2,400.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 669.0000% | 26 |
| Efficiency ratio | 54.9191% | 6,722 |
| Assets per employee ($millions) | 6.4640% | 960 |
| Cash dividends to net income (ytd only)* | 43.6681% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 5,999 |
| Loan loss allowance to noncurrent loans | 3,320.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 7,232 |
| Noncurrent loans to loans | 0.0327% | 7,050 |
| Net loans and leases to total assets | 29.2253% | 7,374 |
| Net loans and leases to deposits | 34.4983% | 7,386 |
| Net loans and leases to core deposits | 34.4983% | 7,415 |
| Total domestic deposits to total assets | 84.7153% | 3,991 |
| Equity capital to assets | 12.1945% | 1,795 |
| Core capital (leverage) ratio | 9.1801% | 4,207 |
| Tier 1 risk-based capital ratio | 18.6428% | 1,805 |
| Total risk-based capital ratio | 19.3544% | 1,934 |
| Memoranda: | ||
| Average total assets | $47,872,400 | 6,606 |
| Average earning assets | $43,495,000 | 6,599 |
| Average equity | $6,273,000 | 6,282 |
| Average total loans | $14,967,200 | 7,170 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 6,971 |
| Cost of funding earning assets | 1.2707% | 4,434 |
| Net interest margin | 3.0240% | 6,783 |
| Noninterest income to average assets | 0.4348% | 4,679 |
| Noninterest expense to average assets | 1.7479% | 7,392 |
| Loan and lease loss provision to assets | 0.0512% | 6,568 |
| Net operating income to assets | 0.9891% | 2,277 |
| Return on assets (ROA) | 0.9891% | 2,392 |
| Pretax return on assets | 1.3955% | 1,889 |
| Return on Equity (ROE) | 7.4064% | 3,148 |
| Retained earnings to average equity (ytd only) | 4.2139% | 3,525 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7153% | 6,720 |
| Assets per employee ($millions) | 5.9898% | 1,248 |
| Cash dividends to net income (ytd only)* | 43.1044% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 6,137 |
| Loan loss allowance to noncurrent loans | 670.8333% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 7,221 |
| Noncurrent loans to loans | 0.1572% | 6,864 |
| Net loans and leases to total assets | 31.5163% | 7,428 |
| Net loans and leases to deposits | 37.9896% | 7,422 |
| Net loans and leases to core deposits | 37.9896% | 7,457 |
| Total domestic deposits to total assets | 82.9605% | 4,605 |
| Equity capital to assets | 13.4563% | 1,369 |
| Core capital (leverage) ratio | 9.2888% | 4,227 |
| Tier 1 risk-based capital ratio | 19.0023% | 1,751 |
| Total risk-based capital ratio | 19.7156% | 1,843 |
| Memoranda: | ||
| Average total assets | $46,912,500 | 6,719 |
| Average earning assets | $42,811,500 | 6,703 |
| Average equity | $6,264,750 | 6,371 |
| Average total loans | $14,889,250 | 7,262 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 6,942 |
| Cost of funding earning assets | 1.3195% | 4,422 |
| Net interest margin | 3.0585% | 6,706 |
| Noninterest income to average assets | 0.4165% | 4,786 |
| Noninterest expense to average assets | 1.7347% | 7,473 |
| Loan and lease loss provision to assets | 0.0515% | 6,453 |
| Net operating income to assets | 1.0005% | 2,203 |
| Return on assets (ROA) | 1.0005% | 2,278 |
| Pretax return on assets | 1.4170% | 1,789 |
| Return on Equity (ROE) | 7.5117% | 3,111 |
| Retained earnings to average equity (ytd only) | 4.2878% | 3,350 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1555% | 6,867 |
| Assets per employee ($millions) | 5.9059% | 1,298 |
| Cash dividends to net income (ytd only)* | 42.9185% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 6,308 |
| Loan loss allowance to noncurrent loans | 1,937.5000% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 7,367 |
| Noncurrent loans to loans | 0.0527% | 7,184 |
| Net loans and leases to total assets | 31.7925% | 7,489 |
| Net loans and leases to deposits | 38.4208% | 7,486 |
| Net loans and leases to core deposits | 38.6900% | 7,518 |
| Total domestic deposits to total assets | 82.7481% | 4,669 |
| Equity capital to assets | 13.5353% | 1,331 |
| Core capital (leverage) ratio | 9.3412% | 4,055 |
| Tier 1 risk-based capital ratio | 19.1400% | 1,686 |
| Total risk-based capital ratio | 19.8423% | 1,779 |
| Memoranda: | ||
| Average total assets | $46,577,330 | 6,773 |
| Average earning assets | $42,439,330 | 6,760 |
| Average equity | $6,203,670 | 6,403 |
| Average total loans | $14,764,670 | 7,328 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 7,150 |
| Cost of funding earning assets | 1.3754% | 4,326 |
| Net interest margin | 2.9133% | 7,000 |
| Noninterest income to average assets | 0.3806% | 5,090 |
| Noninterest expense to average assets | 1.7560% | 7,518 |
| Loan and lease loss provision to assets | 0.0519% | 6,147 |
| Net operating income to assets | 0.8737% | 2,659 |
| Return on assets (ROA) | 0.8737% | 2,741 |
| Pretax return on assets | 1.2110% | 2,326 |
| Return on Equity (ROE) | 6.6143% | 3,558 |
| Retained earnings to average equity (ytd only) | 3.3399% | 4,150 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1662% | 6,466 |
| Assets per employee ($millions) | 5.7255% | 1,476 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 6,406 |
| Loan loss allowance to noncurrent loans | 83.7079% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3886% | 6,500 |
| Noncurrent loans to loans | 1.2078% | 4,946 |
| Net loans and leases to total assets | 31.8509% | 7,571 |
| Net loans and leases to deposits | 38.4619% | 7,568 |
| Net loans and leases to core deposits | 38.7377% | 7,607 |
| Total domestic deposits to total assets | 82.8115% | 4,711 |
| Equity capital to assets | 13.4290% | 1,353 |
| Core capital (leverage) ratio | 9.3062% | 4,043 |
| Tier 1 risk-based capital ratio | 19.2786% | 1,658 |
| Total risk-based capital ratio | 19.9721% | 1,753 |
| Memoranda: | ||
| Average total assets | $46,242,500 | 6,868 |
| Average earning assets | $41,877,500 | 6,863 |
| Average equity | $6,108,000 | 6,481 |
| Average total loans | $14,559,000 | 7,425 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7939% | 6,963 |
| Cost of funding earning assets | 1.6439% | 4,827 |
| Net interest margin | 3.1500% | 6,226 |
| Noninterest income to average assets | 0.4014% | 5,189 |
| Noninterest expense to average assets | 1.8894% | 7,521 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9790% | 1,909 |
| Return on assets (ROA) | 0.9858% | 1,937 |
| Pretax return on assets | 1.3637% | 1,521 |
| Return on Equity (ROE) | 7.0800% | 2,761 |
| Retained earnings to average equity (ytd only) | 3.7086% | 2,598 |
| Net charge-offs to loans | 0.0143% | 7,019 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 288.5000% | 100 |
| Efficiency ratio | 58.2489% | 6,727 |
| Assets per employee ($millions) | 5.8351% | 1,366 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 6,425 |
| Loan loss allowance to noncurrent loans | 79.0055% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 6,479 |
| Noncurrent loans to loans | 1.2587% | 4,835 |
| Net loans and leases to total assets | 30.4985% | 7,698 |
| Net loans and leases to deposits | 36.8462% | 7,707 |
| Net loans and leases to core deposits | 39.7282% | 7,758 |
| Total domestic deposits to total assets | 82.7724% | 4,628 |
| Equity capital to assets | 12.9924% | 1,508 |
| Core capital (leverage) ratio | 9.3415% | 3,911 |
| Tier 1 risk-based capital ratio | 18.8557% | 1,688 |
| Total risk-based capital ratio | 19.5150% | 1,774 |
| Memoranda: | ||
| Average total assets | $42,605,000 | 7,010 |
| Average earning assets | $38,445,000 | 7,000 |
| Average equity | $5,932,200 | 6,627 |
| Average total loans | $13,943,200 | 7,500 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8755% | 6,946 |
| Cost of funding earning assets | 1.6866% | 4,967 |
| Net interest margin | 3.1890% | 6,062 |
| Noninterest income to average assets | 0.4168% | 5,157 |
| Noninterest expense to average assets | 1.9205% | 7,513 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0007% | 2,052 |
| Return on assets (ROA) | 1.0099% | 2,081 |
| Pretax return on assets | 1.3947% | 1,709 |
| Return on Equity (ROE) | 7.1197% | 3,016 |
| Retained earnings to average equity (ytd only) | 4.8595% | 2,574 |
| Net charge-offs to loans | -0.0096% | 7,680 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1553% | 6,698 |
| Assets per employee ($millions) | 5.5046% | 1,618 |
| Cash dividends to net income (ytd only)* | 31.7460% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 5,998 |
| Loan loss allowance to noncurrent loans | 83.9080% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 6,469 |
| Noncurrent loans to loans | 1.2532% | 4,850 |
| Net loans and leases to total assets | 31.1965% | 7,777 |
| Net loans and leases to deposits | 38.4011% | 7,775 |
| Net loans and leases to core deposits | 41.7886% | 7,830 |
| Total domestic deposits to total assets | 81.2385% | 4,981 |
| Equity capital to assets | 14.0586% | 1,289 |
| Core capital (leverage) ratio | 10.1576% | 3,106 |
| Tier 1 risk-based capital ratio | 19.7620% | 1,601 |
| Total risk-based capital ratio | 20.4683% | 1,667 |
| Memoranda: | ||
| Average total assets | $41,586,000 | 7,084 |
| Average earning assets | $37,629,000 | 7,085 |
| Average equity | $5,899,000 | 6,701 |
| Average total loans | $13,834,000 | 7,576 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 6,681 |
| Cost of funding earning assets | 1.7702% | 4,907 |
| Net interest margin | 3.2572% | 5,709 |
| Noninterest income to average assets | 0.4415% | 4,922 |
| Noninterest expense to average assets | 1.9623% | 7,530 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0257% | 2,018 |
| Return on assets (ROA) | 1.0400% | 2,050 |
| Pretax return on assets | 1.4325% | 1,640 |
| Return on Equity (ROE) | 7.3082% | 3,058 |
| Retained earnings to average equity (ytd only) | 3.8610% | 3,138 |
| Net charge-offs to loans | -0.0145% | 7,650 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1395% | 6,846 |
| Assets per employee ($millions) | 5.1205% | 1,947 |
| Cash dividends to net income (ytd only)* | 47.1698% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,589 |
| Loan loss allowance to noncurrent loans | 82.0225% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4345% | 6,366 |
| Noncurrent loans to loans | 1.3420% | 4,530 |
| Net loans and leases to total assets | 32.0232% | 7,844 |
| Net loans and leases to deposits | 39.5085% | 7,830 |
| Net loans and leases to core deposits | 42.8875% | 7,893 |
| Total domestic deposits to total assets | 81.0541% | 5,068 |
| Equity capital to assets | 14.2076% | 1,246 |
| Core capital (leverage) ratio | 10.0239% | 3,272 |
| Tier 1 risk-based capital ratio | 20.7275% | 1,442 |
| Total risk-based capital ratio | 21.4873% | 1,488 |
| Memoranda: | ||
| Average total assets | $40,769,000 | 7,173 |
| Average earning assets | $36,719,000 | 7,186 |
| Average equity | $5,801,670 | 6,796 |
| Average total loans | $13,817,330 | 7,658 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1351% | 6,548 |
| Cost of funding earning assets | 1.8246% | 5,000 |
| Net interest margin | 3.3105% | 5,460 |
| Noninterest income to average assets | 0.3836% | 5,351 |
| Noninterest expense to average assets | 1.8981% | 7,546 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0622% | 2,100 |
| Return on assets (ROA) | 1.0622% | 2,227 |
| Pretax return on assets | 1.4654% | 1,765 |
| Return on Equity (ROE) | 7.4579% | 3,397 |
| Retained earnings to average equity (ytd only) | 4.0052% | 3,673 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4327% | 6,908 |
| Assets per employee ($millions) | 5.0968% | 1,968 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 5,481 |
| Loan loss allowance to noncurrent loans | 80.5556% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 6,173 |
| Noncurrent loans to loans | 1.3639% | 4,275 |
| Net loans and leases to total assets | 32.0106% | 7,865 |
| Net loans and leases to deposits | 39.7370% | 7,843 |
| Net loans and leases to core deposits | 44.0336% | 7,903 |
| Total domestic deposits to total assets | 80.5562% | 5,150 |
| Equity capital to assets | 14.3474% | 1,269 |
| Core capital (leverage) ratio | 10.3099% | 3,098 |
| Tier 1 risk-based capital ratio | 21.2528% | 1,408 |
| Total risk-based capital ratio | 22.0371% | 1,453 |
| Memoranda: | ||
| Average total assets | $40,671,500 | 7,222 |
| Average earning assets | $36,611,000 | 7,241 |
| Average equity | $5,792,500 | 6,839 |
| Average total loans | $14,094,000 | 7,684 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6387% | 6,965 |
| Cost of funding earning assets | 2.4430% | 4,512 |
| Net interest margin | 3.1957% | 6,381 |
| Noninterest income to average assets | 0.3859% | 5,590 |
| Noninterest expense to average assets | 1.8225% | 7,727 |
| Loan and lease loss provision to assets | -0.3486% | 8,287 |
| Net operating income to assets | 1.2474% | 1,635 |
| Return on assets (ROA) | 1.2474% | 1,578 |
| Pretax return on assets | 1.7553% | 1,039 |
| Return on Equity (ROE) | 9.2833% | 2,536 |
| Retained earnings to average equity (ytd only) | 5.5774% | 1,724 |
| Net charge-offs to loans | -0.0062% | 7,804 |
| Credit loss provision to net charge-offs | 14,000.0000% | 45 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4379% | 6,952 |
| Assets per employee ($millions) | 5.7956% | 1,267 |
| Cash dividends to net income (ytd only)* | 39.9202% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 6,280 |
| Loan loss allowance to noncurrent loans | 102.1127% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 6,193 |
| Noncurrent loans to loans | 0.9472% | 4,712 |
| Net loans and leases to total assets | 36.5944% | 7,811 |
| Net loans and leases to deposits | 45.2539% | 7,813 |
| Net loans and leases to core deposits | 49.8071% | 7,891 |
| Total domestic deposits to total assets | 80.8647% | 4,706 |
| Equity capital to assets | 14.1364% | 1,392 |
| Core capital (leverage) ratio | 10.2386% | 3,224 |
| Tier 1 risk-based capital ratio | 19.4210% | 1,725 |
| Total risk-based capital ratio | 20.1485% | 1,790 |
| Memoranda: | ||
| Average total assets | $40,164,600 | 7,205 |
| Average earning assets | $35,735,000 | 7,252 |
| Average equity | $5,396,800 | 7,019 |
| Average total loans | $16,082,800 | 7,582 |