Home > Fife Commercial Bank > Performance and Condition Ratios
Fife Commercial Bank, Performance and Condition Ratios
| 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 | 4.6709% | 1,131 |
| Cost of funding earning assets | 0.4927% | 2,319 |
| Net interest margin | 4.1782% | 1,156 |
| Noninterest income to average assets | 0.3340% | 4,568 |
| Noninterest expense to average assets | 2.4191% | 4,488 |
| Loan and lease loss provision to assets | -0.3317% | 6,239 |
| Net operating income to assets | 2.2197% | 244 |
| Return on assets (ROA) | 2.2197% | 260 |
| Pretax return on assets | 2.2197% | 400 |
| Return on Equity (ROE) | 18.3181% | 394 |
| Retained earnings to average equity (ytd only) | 1.8567% | 4,767 |
| Net charge-offs to loans | -0.6944% | 6,232 |
| Credit loss provision to net charge-offs | 66.5116% | 2,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1659% | 5,412 |
| Assets per employee ($millions) | 5.3826% | 1,855 |
| Cash dividends to net income (ytd only)* | 89.8642% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7980% | 1,377 |
| Loan loss allowance to noncurrent loans | 75.3826% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.7452% | 1,343 |
| Noncurrent loans to loans | 2.3852% | 963 |
| Net loans and leases to total assets | 71.8516% | 2,011 |
| Net loans and leases to deposits | 85.3258% | 2,129 |
| Net loans and leases to core deposits | 89.9419% | 2,357 |
| Total domestic deposits to total assets | 84.2084% | 3,484 |
| Equity capital to assets | 12.1827% | 1,887 |
| Core capital (leverage) ratio | 11.9290% | 1,701 |
| Tier 1 risk-based capital ratio | 17.6636% | 2,166 |
| Total risk-based capital ratio | 18.9234% | 2,116 |
| Memoranda: | ||
| Average total assets | $86,229,670 | 4,852 |
| Average earning assets | $81,997,000 | 4,775 |
| Average equity | $10,448,670 | 4,659 |
| Average total loans | $61,926,000 | 4,409 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7721% | 904 |
| Cost of funding earning assets | 0.4982% | 2,298 |
| Net interest margin | 4.2739% | 932 |
| Noninterest income to average assets | 0.3616% | 4,318 |
| Noninterest expense to average assets | 2.4617% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9563% | 363 |
| Return on assets (ROA) | 1.9563% | 384 |
| Pretax return on assets | 1.9563% | 637 |
| Return on Equity (ROE) | 16.1887% | 545 |
| Retained earnings to average equity (ytd only) | 1.6112% | 4,832 |
| Net charge-offs to loans | -0.1759% | 6,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7188% | 5,536 |
| Assets per employee ($millions) | 5.1601% | 2,162 |
| Cash dividends to net income (ytd only)* | 90.0474% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7972% | 1,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 67.7740% | 2,487 |
| Net loans and leases to deposits | 81.7221% | 2,372 |
| Net loans and leases to core deposits | 86.1174% | 2,537 |
| Total domestic deposits to total assets | 82.9323% | 4,196 |
| Equity capital to assets | 11.9105% | 2,092 |
| Core capital (leverage) ratio | 12.1858% | 1,519 |
| Tier 1 risk-based capital ratio | 17.8502% | 2,183 |
| Total risk-based capital ratio | 19.1077% | 2,139 |
| Memoranda: | ||
| Average total assets | $86,283,500 | 4,895 |
| Average earning assets | $81,892,000 | 4,821 |
| Average equity | $10,427,000 | 4,703 |
| Average total loans | $61,382,500 | 4,458 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2074% | 517 |
| Cost of funding earning assets | 0.5033% | 2,644 |
| Net interest margin | 4.7041% | 520 |
| Noninterest income to average assets | 0.3138% | 4,877 |
| Noninterest expense to average assets | 2.7150% | 3,814 |
| Loan and lease loss provision to assets | 0.1732% | 1,497 |
| Net operating income to assets | 1.9408% | 362 |
| Return on assets (ROA) | 1.9408% | 375 |
| Pretax return on assets | 1.8306% | 743 |
| Return on Equity (ROE) | 15.2831% | 733 |
| Retained earnings to average equity (ytd only) | 0.6296% | 5,482 |
| Net charge-offs to loans | 0.7301% | 498 |
| Credit loss provision to net charge-offs | 31.6372% | 3,812 |
| Earnings coverage of net charge-offs (x) | 3.6593% | 3,833 |
| Efficiency ratio | 57.5353% | 5,512 |
| Assets per employee ($millions) | 4.7137% | 2,705 |
| Cash dividends to net income (ytd only)* | 95.8801% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 1,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 5,889 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 72.0883% | 1,897 |
| Net loans and leases to deposits | 87.6828% | 1,774 |
| Net loans and leases to core deposits | 95.2532% | 1,783 |
| Total domestic deposits to total assets | 82.2148% | 4,341 |
| Equity capital to assets | 12.2646% | 1,812 |
| Core capital (leverage) ratio | 12.3683% | 1,413 |
| Tier 1 risk-based capital ratio | 18.0797% | 2,110 |
| Total risk-based capital ratio | 19.3393% | 2,073 |
| Memoranda: | ||
| Average total assets | $82,541,200 | 5,004 |
| Average earning assets | $77,293,600 | 4,947 |
| Average equity | $10,482,200 | 4,660 |
| Average total loans | $61,911,400 | 4,430 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2366% | 482 |
| Cost of funding earning assets | 0.5104% | 2,656 |
| Net interest margin | 4.7262% | 478 |
| Noninterest income to average assets | 0.3237% | 4,842 |
| Noninterest expense to average assets | 2.7523% | 3,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.1326% | 266 |
| Return on assets (ROA) | 2.1326% | 277 |
| Pretax return on assets | 1.9845% | 590 |
| Return on Equity (ROE) | 16.6453% | 601 |
| Retained earnings to average equity (ytd only) | 1.9806% | 5,065 |
| Net charge-offs to loans | 0.1078% | 2,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 24.3982% | 1,548 |
| Efficiency ratio | 58.1044% | 5,428 |
| Assets per employee ($millions) | 4.4572% | 3,043 |
| Cash dividends to net income (ytd only)* | 88.1004% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1681% | 987 |
| Loan loss allowance to noncurrent loans | 1,138.7931% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 5,475 |
| Noncurrent loans to loans | 0.1904% | 5,335 |
| Net loans and leases to total assets | 74.2964% | 1,473 |
| Net loans and leases to deposits | 91.6285% | 1,265 |
| Net loans and leases to core deposits | 100.1495% | 1,355 |
| Total domestic deposits to total assets | 81.0844% | 4,799 |
| Equity capital to assets | 13.0749% | 1,391 |
| Core capital (leverage) ratio | 12.8298% | 1,255 |
| Tier 1 risk-based capital ratio | 18.9365% | 1,920 |
| Total risk-based capital ratio | 20.2012% | 1,883 |
| Memoranda: | ||
| Average total assets | $81,965,000 | 5,068 |
| Average earning assets | $76,536,000 | 5,024 |
| Average equity | $10,501,250 | 4,689 |
| Average total loans | $61,833,000 | 4,468 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7162% | 212 |
| Cost of funding earning assets | 0.5062% | 2,771 |
| Net interest margin | 5.2100% | 195 |
| Noninterest income to average assets | 0.3271% | 4,798 |
| Noninterest expense to average assets | 3.0360% | 2,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1540% | 249 |
| Return on assets (ROA) | 2.1540% | 262 |
| Pretax return on assets | 2.1540% | 399 |
| Return on Equity (ROE) | 16.9253% | 560 |
| Retained earnings to average equity (ytd only) | 2.1704% | 4,804 |
| Net charge-offs to loans | 0.1609% | 2,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.7800% | 1,713 |
| Efficiency ratio | 58.4967% | 5,491 |
| Assets per employee ($millions) | 4.7888% | 2,489 |
| Cash dividends to net income (ytd only)* | 87.1766% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1312% | 1,119 |
| Loan loss allowance to noncurrent loans | 43,966.6667% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 6,067 |
| Noncurrent loans to loans | 0.0048% | 6,089 |
| Net loans and leases to total assets | 74.4033% | 1,387 |
| Net loans and leases to deposits | 92.1723% | 1,125 |
| Net loans and leases to core deposits | 100.6330% | 1,231 |
| Total domestic deposits to total assets | 80.7220% | 5,062 |
| Equity capital to assets | 12.8278% | 1,471 |
| Core capital (leverage) ratio | 12.7572% | 1,260 |
| Tier 1 risk-based capital ratio | 18.4476% | 2,085 |
| Total risk-based capital ratio | 19.7130% | 2,037 |
| Memoranda: | ||
| Average total assets | $82,543,330 | 5,094 |
| Average earning assets | $77,044,670 | 5,045 |
| Average equity | $10,505,000 | 4,702 |
| Average total loans | $62,134,330 | 4,479 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6236% | 248 |
| Cost of funding earning assets | 0.5164% | 2,751 |
| Net interest margin | 5.1072% | 220 |
| Noninterest income to average assets | 0.2455% | 5,399 |
| Noninterest expense to average assets | 2.8685% | 3,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1369% | 268 |
| Return on assets (ROA) | 2.1369% | 282 |
| Pretax return on assets | 2.1369% | 400 |
| Return on Equity (ROE) | 16.8565% | 544 |
| Retained earnings to average equity (ytd only) | 16.2870% | 260 |
| Net charge-offs to loans | 0.1799% | 1,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 15.8571% | 1,529 |
| Efficiency ratio | 57.3077% | 5,720 |
| Assets per employee ($millions) | 4.8482% | 2,445 |
| Cash dividends to net income (ytd only)* | 3.3784% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1977% | 1,164 |
| Loan loss allowance to noncurrent loans | 741.4365% | 679 |
| Noncurrent assets plus other real estate owned to assets | 1.0507% | 3,153 |
| Noncurrent loans to loans | 0.2964% | 5,227 |
| Net loans and leases to total assets | 72.4606% | 1,503 |
| Net loans and leases to deposits | 90.1151% | 1,131 |
| Net loans and leases to core deposits | 98.2981% | 1,217 |
| Total domestic deposits to total assets | 80.4089% | 5,401 |
| Equity capital to assets | 13.0490% | 1,288 |
| Core capital (leverage) ratio | 12.9685% | 1,178 |
| Tier 1 risk-based capital ratio | 19.1529% | 1,920 |
| Total risk-based capital ratio | 20.4191% | 1,880 |
| Memoranda: | ||
| Average total assets | $83,110,500 | 5,129 |
| Average earning assets | $77,459,000 | 5,078 |
| Average equity | $10,536,000 | 4,721 |
| Average total loans | $62,256,500 | 4,516 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7907% | 232 |
| Cost of funding earning assets | 0.6148% | 2,526 |
| Net interest margin | 5.1759% | 223 |
| Noninterest income to average assets | 0.2959% | 5,237 |
| Noninterest expense to average assets | 2.9569% | 3,171 |
| Loan and lease loss provision to assets | 0.1022% | 3,094 |
| Net operating income to assets | 2.1096% | 286 |
| Return on assets (ROA) | 2.1096% | 283 |
| Pretax return on assets | 2.1096% | 371 |
| Return on Equity (ROE) | 16.9798% | 503 |
| Retained earnings to average equity (ytd only) | -1.4253% | 6,118 |
| Net charge-offs to loans | -0.0270% | 6,206 |
| Credit loss provision to net charge-offs | -505.8824% | 6,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2086% | 5,825 |
| Assets per employee ($millions) | 5.5867% | 1,577 |
| Cash dividends to net income (ytd only)* | 108.3944% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1592% | 1,237 |
| Loan loss allowance to noncurrent loans | 22,833.3333% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 3,860 |
| Noncurrent loans to loans | 0.0095% | 6,262 |
| Net loans and leases to total assets | 74.0791% | 1,336 |
| Net loans and leases to deposits | 92.2532% | 1,026 |
| Net loans and leases to core deposits | 100.0725% | 1,155 |
| Total domestic deposits to total assets | 80.2998% | 5,374 |
| Equity capital to assets | 12.3113% | 1,620 |
| Core capital (leverage) ratio | 12.3581% | 1,422 |
| Tier 1 risk-based capital ratio | 18.1101% | 2,215 |
| Total risk-based capital ratio | 19.3765% | 2,169 |
| Memoranda: | ||
| Average total assets | $84,140,800 | 5,138 |
| Average earning assets | $79,213,400 | 5,057 |
| Average equity | $10,453,600 | 4,755 |
| Average total loans | $63,027,600 | 4,512 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8040% | 235 |
| Cost of funding earning assets | 0.6326% | 2,524 |
| Net interest margin | 5.1714% | 226 |
| Noninterest income to average assets | 0.2659% | 5,546 |
| Noninterest expense to average assets | 2.8589% | 3,451 |
| Loan and lease loss provision to assets | 0.0855% | 3,349 |
| Net operating income to assets | 2.2004% | 259 |
| Return on assets (ROA) | 2.2004% | 267 |
| Pretax return on assets | 2.2004% | 385 |
| Return on Equity (ROE) | 17.6710% | 470 |
| Retained earnings to average equity (ytd only) | -3.8775% | 6,433 |
| Net charge-offs to loans | 0.0466% | 4,243 |
| Credit loss provision to net charge-offs | 245.4545% | 1,005 |
| Earnings coverage of net charge-offs (x) | 65.6423% | 699 |
| Efficiency ratio | 55.5692% | 5,963 |
| Assets per employee ($millions) | 5.8426% | 1,347 |
| Cash dividends to net income (ytd only)* | 121.9421% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9896% | 1,744 |
| Loan loss allowance to noncurrent loans | 198.3206% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 1.3448% | 2,952 |
| Noncurrent loans to loans | 1.0032% | 3,802 |
| Net loans and leases to total assets | 78.2303% | 722 |
| Net loans and leases to deposits | 97.8830% | 579 |
| Net loans and leases to core deposits | 106.4283% | 735 |
| Total domestic deposits to total assets | 79.9222% | 5,527 |
| Equity capital to assets | 12.4320% | 1,622 |
| Core capital (leverage) ratio | 11.9052% | 1,735 |
| Tier 1 risk-based capital ratio | 16.0032% | 3,193 |
| Total risk-based capital ratio | 17.2639% | 3,142 |
| Memoranda: | ||
| Average total assets | $84,225,750 | 5,182 |
| Average earning assets | $79,460,250 | 5,101 |
| Average equity | $10,487,750 | 4,796 |
| Average total loans | $62,922,250 | 4,558 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6890% | 283 |
| Cost of funding earning assets | 0.6576% | 2,434 |
| Net interest margin | 5.0314% | 295 |
| Noninterest income to average assets | 0.2093% | 5,944 |
| Noninterest expense to average assets | 2.8106% | 3,636 |
| Loan and lease loss provision to assets | 0.0964% | 3,179 |
| Net operating income to assets | 2.0533% | 328 |
| Return on assets (ROA) | 2.0533% | 342 |
| Pretax return on assets | 2.0533% | 539 |
| Return on Equity (ROE) | 16.4810% | 604 |
| Retained earnings to average equity (ytd only) | 2.1333% | 4,916 |
| Net charge-offs to loans | 0.1706% | 2,758 |
| Credit loss provision to net charge-offs | 77.3585% | 2,679 |
| Earnings coverage of net charge-offs (x) | 17.2453% | 1,618 |
| Efficiency ratio | 56.6619% | 5,881 |
| Assets per employee ($millions) | 5.7133% | 1,405 |
| Cash dividends to net income (ytd only)* | 87.0561% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9774% | 1,900 |
| Loan loss allowance to noncurrent loans | 13,944.4444% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.7165% | 4,430 |
| Noncurrent loans to loans | 0.0142% | 6,389 |
| Net loans and leases to total assets | 72.5939% | 1,461 |
| Net loans and leases to deposits | 90.2684% | 1,121 |
| Net loans and leases to core deposits | 98.4243% | 1,176 |
| Total domestic deposits to total assets | 80.4201% | 5,500 |
| Equity capital to assets | 12.3687% | 1,660 |
| Core capital (leverage) ratio | 12.2439% | 1,477 |
| Tier 1 risk-based capital ratio | 17.7551% | 2,409 |
| Total risk-based capital ratio | 19.0180% | 2,373 |
| Memoranda: | ||
| Average total assets | $85,035,330 | 5,190 |
| Average earning assets | $80,295,330 | 5,110 |
| Average equity | $10,594,000 | 4,809 |
| Average total loans | $62,133,330 | 4,600 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6552% | 290 |
| Cost of funding earning assets | 0.7000% | 2,205 |
| Net interest margin | 4.9552% | 312 |
| Noninterest income to average assets | 0.2172% | 5,918 |
| Noninterest expense to average assets | 2.7390% | 3,918 |
| Loan and lease loss provision to assets | 0.0519% | 3,755 |
| Net operating income to assets | 2.1062% | 288 |
| Return on assets (ROA) | 2.1062% | 315 |
| Pretax return on assets | 2.1062% | 486 |
| Return on Equity (ROE) | 16.8445% | 524 |
| Retained earnings to average equity (ytd only) | 5.3630% | 3,022 |
| Net charge-offs to loans | -0.0195% | 5,698 |
| Credit loss provision to net charge-offs | -366.6667% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9306% | 6,069 |
| Assets per employee ($millions) | 5.3369% | 1,822 |
| Cash dividends to net income (ytd only)* | 68.1614% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0553% | 1,906 |
| Loan loss allowance to noncurrent loans | 248.2558% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 1.2566% | 3,470 |
| Noncurrent loans to loans | 0.8279% | 4,468 |
| Net loans and leases to total assets | 71.4911% | 1,436 |
| Net loans and leases to deposits | 89.3022% | 1,022 |
| Net loans and leases to core deposits | 96.2249% | 1,189 |
| Total domestic deposits to total assets | 80.0553% | 5,740 |
| Equity capital to assets | 12.4826% | 1,725 |
| Core capital (leverage) ratio | 12.4093% | 1,379 |
| Tier 1 risk-based capital ratio | 18.5385% | 2,175 |
| Total risk-based capital ratio | 19.8028% | 2,140 |
| Memoranda: | ||
| Average total assets | $84,703,000 | 5,243 |
| Average earning assets | $79,997,000 | 5,153 |
| Average equity | $10,591,000 | 4,863 |
| Average total loans | $61,466,000 | 4,650 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7393% | 406 |
| Cost of funding earning assets | 0.7686% | 2,932 |
| Net interest margin | 4.9707% | 402 |
| Noninterest income to average assets | 0.7316% | 2,579 |
| Noninterest expense to average assets | 2.8836% | 3,706 |
| Loan and lease loss provision to assets | -0.0521% | 6,867 |
| Net operating income to assets | 2.5699% | 143 |
| Return on assets (ROA) | 2.7072% | 130 |
| Pretax return on assets | 2.7072% | 194 |
| Return on Equity (ROE) | 21.9764% | 221 |
| Retained earnings to average equity (ytd only) | 8.7541% | 895 |
| Net charge-offs to loans | -0.1574% | 6,904 |
| Credit loss provision to net charge-offs | 45.3608% | 4,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3859% | 6,335 |
| Assets per employee ($millions) | 5.6010% | 1,596 |
| Cash dividends to net income (ytd only)* | 60.1662% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0906% | 1,793 |
| Loan loss allowance to noncurrent loans | 974.6154% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 4,977 |
| Noncurrent loans to loans | 0.2145% | 5,937 |
| Net loans and leases to total assets | 70.6267% | 1,722 |
| Net loans and leases to deposits | 89.4600% | 1,121 |
| Net loans and leases to core deposits | 96.6117% | 1,254 |
| Total domestic deposits to total assets | 78.9478% | 5,903 |
| Equity capital to assets | 12.5251% | 1,691 |
| Core capital (leverage) ratio | 12.1440% | 1,483 |
| Tier 1 risk-based capital ratio | 19.0785% | 1,939 |
| Total risk-based capital ratio | 20.3425% | 1,906 |
| Memoranda: | ||
| Average total assets | $84,477,000 | 5,236 |
| Average earning assets | $79,365,400 | 5,144 |
| Average equity | $10,406,600 | 4,890 |
| Average total loans | $61,607,400 | 4,653 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7648% | 417 |
| Cost of funding earning assets | 0.7739% | 3,157 |
| Net interest margin | 4.9909% | 411 |
| Noninterest income to average assets | 0.1750% | 6,257 |
| Noninterest expense to average assets | 2.7646% | 4,113 |
| Loan and lease loss provision to assets | 0.1324% | 3,890 |
| Net operating income to assets | 1.9639% | 404 |
| Return on assets (ROA) | 1.9639% | 463 |
| Pretax return on assets | 1.9639% | 758 |
| Return on Equity (ROE) | 16.0086% | 739 |
| Retained earnings to average equity (ytd only) | 8.1071% | 1,570 |
| Net charge-offs to loans | -0.0108% | 6,375 |
| Credit loss provision to net charge-offs | -1,680.0000% | 6,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8742% | 5,936 |
| Assets per employee ($millions) | 5.6227% | 1,521 |
| Cash dividends to net income (ytd only)* | 49.3580% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0669% | 1,991 |
| Loan loss allowance to noncurrent loans | 668.2051% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 4,970 |
| Noncurrent loans to loans | 0.3093% | 5,867 |
| Net loans and leases to total assets | 73.2001% | 1,364 |
| Net loans and leases to deposits | 92.5453% | 914 |
| Net loans and leases to core deposits | 100.3984% | 1,095 |
| Total domestic deposits to total assets | 79.0965% | 5,845 |
| Equity capital to assets | 12.2872% | 2,052 |
| Core capital (leverage) ratio | 12.0144% | 1,646 |
| Tier 1 risk-based capital ratio | 16.6790% | 2,908 |
| Total risk-based capital ratio | 17.9407% | 2,861 |
| Memoranda: | ||
| Average total assets | $84,592,500 | 5,282 |
| Average earning assets | $79,422,750 | 5,197 |
| Average equity | $10,377,500 | 4,944 |
| Average total loans | $61,858,250 | 4,689 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7649% | 427 |
| Cost of funding earning assets | 0.7847% | 3,323 |
| Net interest margin | 4.9801% | 419 |
| Noninterest income to average assets | 0.1795% | 6,285 |
| Noninterest expense to average assets | 2.7304% | 4,289 |
| Loan and lease loss provision to assets | 0.1819% | 3,283 |
| Net operating income to assets | 1.9439% | 427 |
| Return on assets (ROA) | 1.9439% | 492 |
| Pretax return on assets | 1.9439% | 774 |
| Return on Equity (ROE) | 15.8539% | 789 |
| Retained earnings to average equity (ytd only) | 15.8539% | 233 |
| Net charge-offs to loans | 0.0130% | 5,266 |
| Credit loss provision to net charge-offs | 1,925.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 225.0000% | 192 |
| Efficiency ratio | 56.2257% | 6,088 |
| Assets per employee ($millions) | 5.2136% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0299% | 2,153 |
| Loan loss allowance to noncurrent loans | 493.1034% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 4,531 |
| Noncurrent loans to loans | 0.4117% | 5,712 |
| Net loans and leases to total assets | 74.4620% | 1,182 |
| Net loans and leases to deposits | 94.8725% | 704 |
| Net loans and leases to core deposits | 104.2164% | 843 |
| Total domestic deposits to total assets | 78.4864% | 6,061 |
| Equity capital to assets | 12.9458% | 1,547 |
| Core capital (leverage) ratio | 12.6370% | 1,298 |
| Tier 1 risk-based capital ratio | 17.8794% | 2,332 |
| Total risk-based capital ratio | 19.1411% | 2,294 |
| Memoranda: | ||
| Average total assets | $84,676,670 | 5,310 |
| Average earning assets | $79,516,000 | 5,224 |
| Average equity | $10,382,330 | 4,942 |
| Average total loans | $61,464,330 | 4,728 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5860% | 643 |
| Cost of funding earning assets | 0.7980% | 3,492 |
| Net interest margin | 4.7880% | 580 |
| Noninterest income to average assets | 0.1360% | 6,569 |
| Noninterest expense to average assets | 2.6821% | 4,492 |
| Loan and lease loss provision to assets | 0.0656% | 4,596 |
| Net operating income to assets | 1.8897% | 501 |
| Return on assets (ROA) | 1.8897% | 576 |
| Pretax return on assets | 1.8897% | 898 |
| Return on Equity (ROE) | 15.8443% | 827 |
| Retained earnings to average equity (ytd only) | 15.8443% | 377 |
| Net charge-offs to loans | -0.0132% | 6,036 |
| Credit loss provision to net charge-offs | -700.0000% | 5,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8362% | 5,934 |
| Assets per employee ($millions) | 5.6696% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0321% | 2,262 |
| Loan loss allowance to noncurrent loans | 471.2644% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.8525% | 4,825 |
| Noncurrent loans to loans | 0.4312% | 5,804 |
| Net loans and leases to total assets | 69.7286% | 1,803 |
| Net loans and leases to deposits | 87.7790% | 1,195 |
| Net loans and leases to core deposits | 96.3648% | 1,268 |
| Total domestic deposits to total assets | 79.4365% | 5,992 |
| Equity capital to assets | 12.2160% | 1,904 |
| Core capital (leverage) ratio | 12.0777% | 1,544 |
| Tier 1 risk-based capital ratio | 19.0277% | 1,980 |
| Total risk-based capital ratio | 20.2904% | 1,943 |
| Memoranda: | ||
| Average total assets | $85,306,500 | 5,330 |
| Average earning assets | $80,200,500 | 5,241 |
| Average equity | $10,174,000 | 4,999 |
| Average total loans | $60,496,000 | 4,792 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8209% | 615 |
| Cost of funding earning assets | 0.9189% | 3,967 |
| Net interest margin | 4.9020% | 504 |
| Noninterest income to average assets | 0.4603% | 4,137 |
| Noninterest expense to average assets | 2.7440% | 4,583 |
| Loan and lease loss provision to assets | 0.7447% | 1,358 |
| Net operating income to assets | 1.5803% | 695 |
| Return on assets (ROA) | 1.5803% | 755 |
| Pretax return on assets | 1.5803% | 1,251 |
| Return on Equity (ROE) | 14.0256% | 923 |
| Retained earnings to average equity (ytd only) | 9.6472% | 640 |
| Net charge-offs to loans | 0.6843% | 2,444 |
| Credit loss provision to net charge-offs | 146.7442% | 1,950 |
| Earnings coverage of net charge-offs (x) | 4.5814% | 3,056 |
| Efficiency ratio | 54.1327% | 6,498 |
| Assets per employee ($millions) | 5.7046% | 1,433 |
| Cash dividends to net income (ytd only)* | 31.2173% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0079% | 2,250 |
| Loan loss allowance to noncurrent loans | 205.7627% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 4,294 |
| Noncurrent loans to loans | 0.9758% | 4,756 |
| Net loans and leases to total assets | 69.2400% | 2,170 |
| Net loans and leases to deposits | 87.8764% | 1,396 |
| Net loans and leases to core deposits | 95.7048% | 1,526 |
| Total domestic deposits to total assets | 78.7926% | 6,038 |
| Equity capital to assets | 11.6386% | 2,395 |
| Core capital (leverage) ratio | 11.4197% | 1,952 |
| Tier 1 risk-based capital ratio | 18.2393% | 2,124 |
| Total risk-based capital ratio | 19.5028% | 2,087 |
| Memoranda: | ||
| Average total assets | $84,731,200 | 5,318 |
| Average earning assets | $79,661,800 | 5,244 |
| Average equity | $9,546,800 | 5,137 |
| Average total loans | $62,834,400 | 4,757 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8370% | 650 |
| Cost of funding earning assets | 0.9429% | 4,093 |
| Net interest margin | 4.8941% | 515 |
| Noninterest income to average assets | 0.5143% | 3,764 |
| Noninterest expense to average assets | 2.8031% | 4,333 |
| Loan and lease loss provision to assets | 0.8676% | 1,048 |
| Net operating income to assets | 1.4450% | 1,062 |
| Return on assets (ROA) | 1.4450% | 1,136 |
| Pretax return on assets | 1.4450% | 1,799 |
| Return on Equity (ROE) | 12.9324% | 1,298 |
| Retained earnings to average equity (ytd only) | 10.3205% | 761 |
| Net charge-offs to loans | 0.8619% | 1,841 |
| Credit loss provision to net charge-offs | 134.1463% | 2,373 |
| Earnings coverage of net charge-offs (x) | 3.5756% | 3,388 |
| Efficiency ratio | 54.7949% | 6,413 |
| Assets per employee ($millions) | 5.7621% | 1,386 |
| Cash dividends to net income (ytd only)* | 20.1965% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 2,787 |
| Loan loss allowance to noncurrent loans | 174.1692% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 1.3329% | 4,143 |
| Noncurrent loans to loans | 1.0610% | 4,792 |
| Net loans and leases to total assets | 70.8542% | 1,924 |
| Net loans and leases to deposits | 89.1516% | 1,301 |
| Net loans and leases to core deposits | 98.2308% | 1,407 |
| Total domestic deposits to total assets | 79.4761% | 5,877 |
| Equity capital to assets | 11.3015% | 2,864 |
| Core capital (leverage) ratio | 11.1981% | 2,231 |
| Tier 1 risk-based capital ratio | 17.4555% | 2,464 |
| Total risk-based capital ratio | 18.7156% | 2,431 |
| Memoranda: | ||
| Average total assets | $84,521,750 | 5,365 |
| Average earning assets | $79,467,750 | 5,285 |
| Average equity | $9,443,750 | 5,193 |
| Average total loans | $63,427,500 | 4,780 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8268% | 680 |
| Cost of funding earning assets | 0.9682% | 4,185 |
| Net interest margin | 4.8587% | 539 |
| Noninterest income to average assets | 0.6509% | 2,831 |
| Noninterest expense to average assets | 2.9564% | 3,803 |
| Loan and lease loss provision to assets | 0.4125% | 2,368 |
| Net operating income to assets | 1.8525% | 440 |
| Return on assets (ROA) | 1.8525% | 469 |
| Pretax return on assets | 1.8525% | 784 |
| Return on Equity (ROE) | 16.6458% | 591 |
| Retained earnings to average equity (ytd only) | 16.0031% | 206 |
| Net charge-offs to loans | 0.3701% | 3,071 |
| Credit loss provision to net charge-offs | 146.6102% | 2,087 |
| Earnings coverage of net charge-offs (x) | 8.0508% | 2,126 |
| Efficiency ratio | 56.6210% | 6,344 |
| Assets per employee ($millions) | 5.6993% | 1,394 |
| Cash dividends to net income (ytd only)* | 3.8610% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 3,329 |
| Loan loss allowance to noncurrent loans | 69.8039% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 2.4272% | 2,730 |
| Noncurrent loans to loans | 2.4358% | 2,950 |
| Net loans and leases to total assets | 72.2257% | 1,747 |
| Net loans and leases to deposits | 91.0586% | 1,150 |
| Net loans and leases to core deposits | 100.4098% | 1,307 |
| Total domestic deposits to total assets | 79.3178% | 6,002 |
| Equity capital to assets | 11.3886% | 2,610 |
| Core capital (leverage) ratio | 11.5704% | 1,865 |
| Tier 1 risk-based capital ratio | 17.1663% | 2,456 |
| Total risk-based capital ratio | 18.4248% | 2,430 |
| Memoranda: | ||
| Average total assets | $83,885,330 | 5,430 |
| Average earning assets | $78,910,670 | 5,347 |
| Average equity | $9,335,670 | 5,226 |
| Average total loans | $63,772,330 | 4,806 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8715% | 639 |
| Cost of funding earning assets | 1.0271% | 4,013 |
| Net interest margin | 4.8444% | 520 |
| Noninterest income to average assets | 1.0399% | 1,218 |
| Noninterest expense to average assets | 3.1294% | 3,145 |
| Loan and lease loss provision to assets | 0.4670% | 1,884 |
| Net operating income to assets | 2.0076% | 347 |
| Return on assets (ROA) | 2.0076% | 363 |
| Pretax return on assets | 2.0076% | 555 |
| Return on Equity (ROE) | 18.2584% | 457 |
| Retained earnings to average equity (ytd only) | 18.2584% | 227 |
| Net charge-offs to loans | 0.6661% | 1,875 |
| Credit loss provision to net charge-offs | 90.6542% | 2,938 |
| Earnings coverage of net charge-offs (x) | 4.8037% | 2,395 |
| Efficiency ratio | 55.8419% | 6,518 |
| Assets per employee ($millions) | 5.2208% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 3,652 |
| Loan loss allowance to noncurrent loans | 61.1213% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 2.6553% | 2,588 |
| Noncurrent loans to loans | 2.6516% | 2,841 |
| Net loans and leases to total assets | 72.8882% | 1,539 |
| Net loans and leases to deposits | 91.8257% | 1,037 |
| Net loans and leases to core deposits | 102.4655% | 1,164 |
| Total domestic deposits to total assets | 79.3768% | 6,097 |
| Equity capital to assets | 11.1861% | 2,516 |
| Core capital (leverage) ratio | 11.1258% | 2,097 |
| Tier 1 risk-based capital ratio | 17.2315% | 2,398 |
| Total risk-based capital ratio | 18.4895% | 2,370 |
| Memoranda: | ||
| Average total assets | $83,083,500 | 5,496 |
| Average earning assets | $78,276,000 | 5,409 |
| Average equity | $9,135,500 | 5,278 |
| Average total loans | $64,252,000 | 4,829 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0493% | 777 |
| Cost of funding earning assets | 1.2752% | 4,052 |
| Net interest margin | 4.7740% | 692 |
| Noninterest income to average assets | 0.1800% | 6,464 |
| Noninterest expense to average assets | 2.5136% | 5,736 |
| Loan and lease loss provision to assets | 0.7337% | 2,238 |
| Net operating income to assets | 1.4640% | 832 |
| Return on assets (ROA) | 1.4912% | 841 |
| Pretax return on assets | 1.4912% | 1,403 |
| Return on Equity (ROE) | 15.5222% | 641 |
| Retained earnings to average equity (ytd only) | 11.8568% | 284 |
| Net charge-offs to loans | 1.3213% | 1,689 |
| Credit loss provision to net charge-offs | 70.8972% | 5,840 |
| Earnings coverage of net charge-offs (x) | 2.1236% | 4,130 |
| Efficiency ratio | 53.3526% | 6,859 |
| Assets per employee ($millions) | 5.1647% | 1,919 |
| Cash dividends to net income (ytd only)* | 23.6143% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 3,896 |
| Loan loss allowance to noncurrent loans | 89.2511% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.4933% | 4,075 |
| Noncurrent loans to loans | 1.7038% | 3,947 |
| Net loans and leases to total assets | 79.3889% | 745 |
| Net loans and leases to deposits | 99.5614% | 607 |
| Net loans and leases to core deposits | 111.7293% | 830 |
| Total domestic deposits to total assets | 79.7386% | 5,903 |
| Equity capital to assets | 10.8029% | 2,858 |
| Core capital (leverage) ratio | 10.2396% | 2,825 |
| Tier 1 risk-based capital ratio | 13.7769% | 4,002 |
| Total risk-based capital ratio | 15.0306% | 3,984 |
| Memoranda: | ||
| Average total assets | $88,319,800 | 5,338 |
| Average earning assets | $83,828,200 | 5,219 |
| Average equity | $8,484,600 | 5,549 |
| Average total loans | $69,172,600 | 4,710 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0189% | 904 |
| Cost of funding earning assets | 1.3017% | 4,205 |
| Net interest margin | 4.7172% | 804 |
| Noninterest income to average assets | 0.3105% | 5,670 |
| Noninterest expense to average assets | 2.5227% | 5,626 |
| Loan and lease loss provision to assets | 0.7547% | 2,029 |
| Net operating income to assets | 1.5125% | 902 |
| Return on assets (ROA) | 1.5481% | 908 |
| Pretax return on assets | 1.5481% | 1,478 |
| Return on Equity (ROE) | 16.5906% | 640 |
| Retained earnings to average equity (ytd only) | 11.6389% | 506 |
| Net charge-offs to loans | 1.3331% | 1,524 |
| Credit loss provision to net charge-offs | 72.7794% | 5,347 |
| Earnings coverage of net charge-offs (x) | 2.1863% | 4,085 |
| Efficiency ratio | 52.6675% | 6,917 |
| Assets per employee ($millions) | 5.8319% | 1,366 |
| Cash dividends to net income (ytd only)* | 29.8467% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 3,547 |
| Loan loss allowance to noncurrent loans | 60.3993% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.1445% | 3,274 |
| Noncurrent loans to loans | 2.6376% | 2,988 |
| Net loans and leases to total assets | 76.8970% | 1,237 |
| Net loans and leases to deposits | 94.8612% | 1,112 |
| Net loans and leases to core deposits | 106.6307% | 1,272 |
| Total domestic deposits to total assets | 81.0627% | 5,341 |
| Equity capital to assets | 9.9305% | 4,249 |
| Core capital (leverage) ratio | 9.7080% | 3,611 |
| Tier 1 risk-based capital ratio | 12.9084% | 4,645 |
| Total risk-based capital ratio | 14.1637% | 4,624 |
| Memoranda: | ||
| Average total assets | $89,741,000 | 5,365 |
| Average earning assets | $85,217,750 | 5,225 |
| Average equity | $8,374,000 | 5,668 |
| Average total loans | $69,811,750 | 4,763 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0558% | 835 |
| Cost of funding earning assets | 1.3326% | 4,310 |
| Net interest margin | 4.7233% | 784 |
| Noninterest income to average assets | 0.3337% | 5,482 |
| Noninterest expense to average assets | 2.5637% | 5,483 |
| Loan and lease loss provision to assets | 0.1149% | 5,755 |
| Net operating income to assets | 2.1438% | 255 |
| Return on assets (ROA) | 2.1438% | 279 |
| Pretax return on assets | 2.1438% | 455 |
| Return on Equity (ROE) | 23.4592% | 162 |
| Retained earnings to average equity (ytd only) | 15.9378% | 197 |
| Net charge-offs to loans | 0.4637% | 3,151 |
| Credit loss provision to net charge-offs | 31.9018% | 5,704 |
| Earnings coverage of net charge-offs (x) | 6.2699% | 2,490 |
| Efficiency ratio | 53.1622% | 6,965 |
| Assets per employee ($millions) | 6.0753% | 1,173 |
| Cash dividends to net income (ytd only)* | 32.0619% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 3,202 |
| Loan loss allowance to noncurrent loans | 203.1304% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 5,713 |
| Noncurrent loans to loans | 0.8203% | 5,636 |
| Net loans and leases to total assets | 75.6348% | 1,562 |
| Net loans and leases to deposits | 91.7094% | 1,579 |
| Net loans and leases to core deposits | 102.9745% | 1,737 |
| Total domestic deposits to total assets | 82.4723% | 4,792 |
| Equity capital to assets | 9.4821% | 4,729 |
| Core capital (leverage) ratio | 9.6799% | 3,567 |
| Tier 1 risk-based capital ratio | 12.4991% | 4,865 |
| Total risk-based capital ratio | 13.7540% | 4,835 |
| Memoranda: | ||
| Average total assets | $90,495,330 | 5,370 |
| Average earning assets | $85,999,670 | 5,235 |
| Average equity | $8,269,670 | 5,707 |
| Average total loans | $70,296,670 | 4,786 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9430% | 1,093 |
| Cost of funding earning assets | 1.4063% | 4,137 |
| Net interest margin | 4.5367% | 1,072 |
| Noninterest income to average assets | 0.2573% | 6,091 |
| Noninterest expense to average assets | 2.5904% | 5,388 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9739% | 361 |
| Return on assets (ROA) | 1.9739% | 395 |
| Pretax return on assets | 1.9739% | 639 |
| Return on Equity (ROE) | 22.0188% | 267 |
| Retained earnings to average equity (ytd only) | 14.2999% | 472 |
| Net charge-offs to loans | 0.2159% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 11.7105% | 1,627 |
| Efficiency ratio | 56.7541% | 6,660 |
| Assets per employee ($millions) | 5.6663% | 1,524 |
| Cash dividends to net income (ytd only)* | 35.0562% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 2,816 |
| Loan loss allowance to noncurrent loans | 119.0979% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 1.2630% | 4,651 |
| Noncurrent loans to loans | 1.4890% | 4,512 |
| Net loans and leases to total assets | 75.8206% | 1,581 |
| Net loans and leases to deposits | 91.3827% | 1,699 |
| Net loans and leases to core deposits | 102.3115% | 1,869 |
| Total domestic deposits to total assets | 82.9704% | 4,644 |
| Equity capital to assets | 9.0823% | 5,159 |
| Core capital (leverage) ratio | 9.1928% | 4,239 |
| Tier 1 risk-based capital ratio | 12.0750% | 5,116 |
| Total risk-based capital ratio | 13.3315% | 5,078 |
| Memoranda: | ||
| Average total assets | $90,178,000 | 5,446 |
| Average earning assets | $85,613,000 | 5,316 |
| Average equity | $8,084,000 | 5,816 |
| Average total loans | $70,398,000 | 4,840 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7899% | 390 |
| Cost of funding earning assets | 1.9881% | 3,013 |
| Net interest margin | 4.8019% | 694 |
| Noninterest income to average assets | 0.3097% | 5,866 |
| Noninterest expense to average assets | 2.5561% | 5,934 |
| Loan and lease loss provision to assets | 0.8591% | 2,590 |
| Net operating income to assets | 1.4384% | 787 |
| Return on assets (ROA) | 1.4551% | 809 |
| Pretax return on assets | 1.4551% | 1,301 |
| Return on Equity (ROE) | 17.2025% | 438 |
| Retained earnings to average equity (ytd only) | 9.0408% | 494 |
| Net charge-offs to loans | 0.5476% | 3,595 |
| Credit loss provision to net charge-offs | 195.4545% | 2,027 |
| Earnings coverage of net charge-offs (x) | 5.2273% | 2,654 |
| Efficiency ratio | 52.6641% | 7,339 |
| Assets per employee ($millions) | 5.6060% | 1,551 |
| Cash dividends to net income (ytd only)* | 47.4447% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8061% | 2,521 |
| Loan loss allowance to noncurrent loans | 181.1615% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.9120% | 5,269 |
| Noncurrent loans to loans | 0.9969% | 5,321 |
| Net loans and leases to total assets | 77.5252% | 1,477 |
| Net loans and leases to deposits | 93.2294% | 1,706 |
| Net loans and leases to core deposits | 134.4308% | 1,031 |
| Total domestic deposits to total assets | 83.1553% | 4,453 |
| Equity capital to assets | 8.8454% | 5,362 |
| Core capital (leverage) ratio | 8.6386% | 5,035 |
| Tier 1 risk-based capital ratio | 11.4214% | 5,483 |
| Total risk-based capital ratio | 12.6792% | 5,435 |
| Memoranda: | ||
| Average total assets | $90,098,400 | 5,386 |
| Average earning assets | $85,258,400 | 5,289 |
| Average equity | $7,621,000 | 6,044 |
| Average total loans | $72,314,800 | 4,791 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6270% | 588 |
| Cost of funding earning assets | 2.0844% | 2,964 |
| Net interest margin | 4.5426% | 1,089 |
| Noninterest income to average assets | 0.2395% | 6,518 |
| Noninterest expense to average assets | 2.5321% | 5,963 |
| Loan and lease loss provision to assets | 0.6194% | 2,917 |
| Net operating income to assets | 1.3821% | 1,063 |
| Return on assets (ROA) | 1.3791% | 1,130 |
| Pretax return on assets | 1.3791% | 1,752 |
| Return on Equity (ROE) | 16.4923% | 598 |
| Retained earnings to average equity (ytd only) | 8.2373% | 1,065 |
| Net charge-offs to loans | 0.4696% | 3,347 |
| Credit loss provision to net charge-offs | 163.6719% | 2,875 |
| Earnings coverage of net charge-offs (x) | 5.2891% | 2,873 |
| Efficiency ratio | 55.8526% | 7,018 |
| Assets per employee ($millions) | 5.6347% | 1,488 |
| Cash dividends to net income (ytd only)* | 50.0535% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 3,605 |
| Loan loss allowance to noncurrent loans | 61.2198% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.4547% | 2,804 |
| Noncurrent loans to loans | 2.3989% | 3,141 |
| Net loans and leases to total assets | 79.1825% | 1,352 |
| Net loans and leases to deposits | 96.2608% | 1,540 |
| Net loans and leases to core deposits | 138.5295% | 986 |
| Total domestic deposits to total assets | 82.2583% | 4,563 |
| Equity capital to assets | 8.6041% | 6,113 |
| Core capital (leverage) ratio | 8.5855% | 5,321 |
| Tier 1 risk-based capital ratio | 11.2812% | 5,648 |
| Total risk-based capital ratio | 12.5346% | 5,593 |
| Memoranda: | ||
| Average total assets | $90,199,000 | 5,422 |
| Average earning assets | $85,265,750 | 5,329 |
| Average equity | $7,542,750 | 6,132 |
| Average total loans | $72,689,500 | 4,823 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7434% | 499 |
| Cost of funding earning assets | 2.1538% | 3,026 |
| Net interest margin | 4.5895% | 981 |
| Noninterest income to average assets | 0.2616% | 6,405 |
| Noninterest expense to average assets | 2.6049% | 5,722 |
| Loan and lease loss provision to assets | 0.4079% | 3,481 |
| Net operating income to assets | 1.5807% | 707 |
| Return on assets (ROA) | 1.5807% | 771 |
| Pretax return on assets | 1.5807% | 1,250 |
| Return on Equity (ROE) | 19.0863% | 396 |
| Retained earnings to average equity (ytd only) | 10.7611% | 596 |
| Net charge-offs to loans | 0.2584% | 3,898 |
| Credit loss provision to net charge-offs | 195.7447% | 2,335 |
| Earnings coverage of net charge-offs (x) | 9.5426% | 2,110 |
| Efficiency ratio | 56.7085% | 7,025 |
| Assets per employee ($millions) | 5.6149% | 1,488 |
| Cash dividends to net income (ytd only)* | 43.6185% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 3,978 |
| Loan loss allowance to noncurrent loans | 195.0787% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 1.1855% | 4,567 |
| Noncurrent loans to loans | 0.6924% | 5,864 |
| Net loans and leases to total assets | 80.5597% | 1,216 |
| Net loans and leases to deposits | 98.1822% | 1,494 |
| Net loans and leases to core deposits | 140.5020% | 988 |
| Total domestic deposits to total assets | 82.0512% | 4,673 |
| Equity capital to assets | 8.5319% | 6,001 |
| Core capital (leverage) ratio | 8.2860% | 5,823 |
| Tier 1 risk-based capital ratio | 10.5960% | 6,300 |
| Total risk-based capital ratio | 11.8470% | 6,237 |
| Memoranda: | ||
| Average total assets | $90,213,670 | 5,452 |
| Average earning assets | $85,150,330 | 5,374 |
| Average equity | $7,471,330 | 6,195 |
| Average total loans | $72,769,000 | 4,850 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7226% | 558 |
| Cost of funding earning assets | 2.2190% | 3,065 |
| Net interest margin | 4.5036% | 1,118 |
| Noninterest income to average assets | 0.2212% | 6,702 |
| Noninterest expense to average assets | 2.6283% | 5,331 |
| Loan and lease loss provision to assets | 0.1947% | 4,493 |
| Net operating income to assets | 1.6460% | 724 |
| Return on assets (ROA) | 1.6460% | 795 |
| Pretax return on assets | 1.6460% | 1,298 |
| Return on Equity (ROE) | 20.1776% | 410 |
| Retained earnings to average equity (ytd only) | 11.7703% | 830 |
| Net charge-offs to loans | 0.0166% | 5,341 |
| Credit loss provision to net charge-offs | 1,466.6667% | 438 |
| Earnings coverage of net charge-offs (x) | 138.6667% | 317 |
| Efficiency ratio | 58.8119% | 6,574 |
| Assets per employee ($millions) | 5.4279% | 1,624 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 4,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 78.5391% | 1,685 |
| Net loans and leases to deposits | 94.7966% | 2,137 |
| Net loans and leases to core deposits | 134.4065% | 1,395 |
| Total domestic deposits to total assets | 82.8502% | 4,218 |
| Equity capital to assets | 8.1095% | 6,664 |
| Core capital (leverage) ratio | 8.3179% | 5,870 |
| Tier 1 risk-based capital ratio | 10.2667% | 6,622 |
| Total risk-based capital ratio | 11.5175% | 6,546 |
| Memoranda: | ||
| Average total assets | $90,401,000 | 5,470 |
| Average earning assets | $85,265,000 | 5,387 |
| Average equity | $7,374,500 | 6,268 |
| Average total loans | $72,471,000 | 4,890 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8197% | 240 |
| Cost of funding earning assets | 3.0651% | 1,622 |
| Net interest margin | 4.7546% | 858 |
| Noninterest income to average assets | 0.2922% | 6,374 |
| Noninterest expense to average assets | 2.6659% | 5,394 |
| Loan and lease loss provision to assets | 0.0612% | 6,640 |
| Net operating income to assets | 2.0238% | 332 |
| Return on assets (ROA) | 2.0238% | 316 |
| Pretax return on assets | 2.0238% | 567 |
| Return on Equity (ROE) | 24.0933% | 169 |
| Retained earnings to average equity (ytd only) | -2.2246% | 5,931 |
| Net charge-offs to loans | 0.1091% | 5,190 |
| Credit loss provision to net charge-offs | 69.2308% | 6,082 |
| Earnings coverage of net charge-offs (x) | 23.6026% | 1,414 |
| Efficiency ratio | 56.1144% | 6,990 |
| Assets per employee ($millions) | 5.2075% | 1,718 |
| Cash dividends to net income (ytd only)* | 109.2334% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 4,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 5,862 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 79.7802% | 1,709 |
| Net loans and leases to deposits | 96.0598% | 2,442 |
| Net loans and leases to core deposits | 140.9946% | 1,214 |
| Total domestic deposits to total assets | 83.0526% | 3,748 |
| Equity capital to assets | 8.2077% | 6,538 |
| Core capital (leverage) ratio | 8.0395% | 6,423 |
| Tier 1 risk-based capital ratio | 9.9884% | 6,747 |
| Total risk-based capital ratio | 11.2333% | 6,635 |
| Memoranda: | ||
| Average total assets | $88,299,400 | 5,410 |
| Average earning assets | $82,803,200 | 5,336 |
| Average equity | $7,417,000 | 6,305 |
| Average total loans | $71,507,800 | 4,808 |