Home > First State Bank, Inc. > Performance and Condition Ratios
First State Bank, Inc., Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3464% | 739 |
| Cost of funding earning assets | 1.2288% | 923 |
| Net interest margin | 4.1176% | 1,562 |
| Noninterest income to average assets | 0.7013% | 1,707 |
| Noninterest expense to average assets | 3.2370% | 1,432 |
| Loan and lease loss provision to assets | 0.0755% | 2,305 |
| Net operating income to assets | 1.2616% | 1,911 |
| Return on assets (ROA) | 1.2616% | 1,978 |
| Pretax return on assets | 1.2616% | 2,706 |
| Return on Equity (ROE) | 15.1646% | 727 |
| Retained earnings to average equity (ytd only) | 6.5380% | 2,033 |
| Net charge-offs to loans | 0.0354% | 2,161 |
| Credit loss provision to net charge-offs | 260.8696% | 987 |
| Earnings coverage of net charge-offs (x) | 46.1739% | 1,154 |
| Efficiency ratio | 70.7680% | 2,105 |
| Assets per employee ($millions) | 4.6714% | 2,912 |
| Cash dividends to net income (ytd only)* | 56.8862% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,195 |
| Loan loss allowance to noncurrent loans | 661.9433% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 3,983 |
| Noncurrent loans to loans | 0.1903% | 3,872 |
| Net loans and leases to total assets | 80.6897% | 777 |
| Net loans and leases to deposits | 89.8282% | 1,759 |
| Net loans and leases to core deposits | 116.1747% | 678 |
| Total domestic deposits to total assets | 89.8267% | 385 |
| Equity capital to assets | 8.4771% | 5,049 |
| Core capital (leverage) ratio | 8.2897% | 5,064 |
| Tier 1 risk-based capital ratio | 11.1976% | 4,834 |
| Total risk-based capital ratio | 12.4473% | 4,727 |
| Memoranda: | ||
| Average total assets | $158,851,330 | 3,259 |
| Average earning assets | $149,408,670 | 3,229 |
| Average equity | $13,215,000 | 3,903 |
| Average total loans | $129,793,000 | 2,871 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3141% | 738 |
| Cost of funding earning assets | 1.1753% | 975 |
| Net interest margin | 4.1388% | 1,454 |
| Noninterest income to average assets | 0.6874% | 1,656 |
| Noninterest expense to average assets | 3.2430% | 1,401 |
| Loan and lease loss provision to assets | 0.1133% | 1,569 |
| Net operating income to assets | 1.2237% | 1,969 |
| Return on assets (ROA) | 1.2237% | 2,015 |
| Pretax return on assets | 1.2237% | 2,720 |
| Return on Equity (ROE) | 14.8505% | 781 |
| Retained earnings to average equity (ytd only) | 4.9196% | 2,939 |
| Net charge-offs to loans | 0.0092% | 2,361 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 177.0000% | 436 |
| Efficiency ratio | 70.8081% | 2,221 |
| Assets per employee ($millions) | 4.9376% | 2,599 |
| Cash dividends to net income (ytd only)* | 66.8724% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,333 |
| Loan loss allowance to noncurrent loans | 680.4979% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 4,062 |
| Noncurrent loans to loans | 0.1834% | 3,929 |
| Net loans and leases to total assets | 79.6356% | 884 |
| Net loans and leases to deposits | 88.1072% | 1,857 |
| Net loans and leases to core deposits | 113.5428% | 761 |
| Total domestic deposits to total assets | 90.3849% | 321 |
| Equity capital to assets | 8.0888% | 5,152 |
| Core capital (leverage) ratio | 8.3797% | 5,071 |
| Tier 1 risk-based capital ratio | 10.7965% | 5,068 |
| Total risk-based capital ratio | 12.0466% | 4,968 |
| Memoranda: | ||
| Average total assets | $158,863,500 | 3,306 |
| Average earning assets | $149,413,500 | 3,273 |
| Average equity | $13,090,500 | 3,930 |
| Average total loans | $129,793,500 | 2,907 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0773% | 894 |
| Cost of funding earning assets | 0.9512% | 924 |
| Net interest margin | 4.1261% | 1,601 |
| Noninterest income to average assets | 0.7468% | 1,655 |
| Noninterest expense to average assets | 3.1946% | 1,564 |
| Loan and lease loss provision to assets | 0.0808% | 2,510 |
| Net operating income to assets | 1.3710% | 1,528 |
| Return on assets (ROA) | 1.3710% | 1,515 |
| Pretax return on assets | 1.3710% | 2,232 |
| Return on Equity (ROE) | 16.7277% | 519 |
| Retained earnings to average equity (ytd only) | 13.4413% | 201 |
| Net charge-offs to loans | 0.0025% | 3,651 |
| Credit loss provision to net charge-offs | 4,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 718.6667% | 154 |
| Efficiency ratio | 68.7536% | 2,423 |
| Assets per employee ($millions) | 4.6905% | 2,891 |
| Cash dividends to net income (ytd only)* | 19.6464% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,317 |
| Loan loss allowance to noncurrent loans | 859.1398% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 4,226 |
| Noncurrent loans to loans | 0.1451% | 4,093 |
| Net loans and leases to total assets | 81.7839% | 681 |
| Net loans and leases to deposits | 90.8973% | 1,686 |
| Net loans and leases to core deposits | 118.6622% | 595 |
| Total domestic deposits to total assets | 89.9739% | 488 |
| Equity capital to assets | 8.3993% | 4,989 |
| Core capital (leverage) ratio | 8.4599% | 5,044 |
| Tier 1 risk-based capital ratio | 11.1906% | 4,869 |
| Total risk-based capital ratio | 12.4422% | 4,780 |
| Memoranda: | ||
| Average total assets | $148,500,800 | 3,404 |
| Average earning assets | $140,350,200 | 3,355 |
| Average equity | $12,171,400 | 4,000 |
| Average total loans | $120,368,200 | 2,988 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 885 |
| Cost of funding earning assets | 0.8980% | 930 |
| Net interest margin | 4.1310% | 1,544 |
| Noninterest income to average assets | 0.7450% | 1,694 |
| Noninterest expense to average assets | 3.2087% | 1,502 |
| Loan and lease loss provision to assets | 0.0817% | 2,316 |
| Net operating income to assets | 1.3621% | 1,610 |
| Return on assets (ROA) | 1.3621% | 1,618 |
| Pretax return on assets | 1.3621% | 2,371 |
| Return on Equity (ROE) | 16.7275% | 582 |
| Retained earnings to average equity (ytd only) | 12.2698% | 446 |
| Net charge-offs to loans | -0.0180% | 4,598 |
| Credit loss provision to net charge-offs | -562.5000% | 4,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9682% | 2,363 |
| Assets per employee ($millions) | 4.5049% | 3,121 |
| Cash dividends to net income (ytd only)* | 26.6489% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 2,319 |
| Loan loss allowance to noncurrent loans | 342.0259% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 3,485 |
| Noncurrent loans to loans | 0.3678% | 3,325 |
| Net loans and leases to total assets | 81.3368% | 821 |
| Net loans and leases to deposits | 88.8729% | 2,037 |
| Net loans and leases to core deposits | 114.2975% | 798 |
| Total domestic deposits to total assets | 91.5204% | 129 |
| Equity capital to assets | 8.1296% | 5,121 |
| Core capital (leverage) ratio | 8.1285% | 5,283 |
| Tier 1 risk-based capital ratio | 10.8353% | 5,111 |
| Total risk-based capital ratio | 12.0860% | 5,015 |
| Memoranda: | ||
| Average total assets | $146,929,500 | 3,456 |
| Average earning assets | $138,979,250 | 3,407 |
| Average equity | $11,964,000 | 4,066 |
| Average total loans | $118,413,250 | 3,038 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 928 |
| Cost of funding earning assets | 0.8128% | 1,073 |
| Net interest margin | 4.1344% | 1,461 |
| Noninterest income to average assets | 0.7442% | 1,672 |
| Noninterest expense to average assets | 3.2295% | 1,472 |
| Loan and lease loss provision to assets | 0.0621% | 2,662 |
| Net operating income to assets | 1.3573% | 1,577 |
| Return on assets (ROA) | 1.3559% | 1,587 |
| Pretax return on assets | 1.3559% | 2,304 |
| Return on Equity (ROE) | 16.6422% | 568 |
| Retained earnings to average equity (ytd only) | 14.1001% | 272 |
| Net charge-offs to loans | -0.0207% | 4,586 |
| Credit loss provision to net charge-offs | -375.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4684% | 2,402 |
| Assets per employee ($millions) | 4.2700% | 3,470 |
| Cash dividends to net income (ytd only)* | 15.2749% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 2,341 |
| Loan loss allowance to noncurrent loans | 331.4655% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 3,382 |
| Noncurrent loans to loans | 0.3822% | 3,326 |
| Net loans and leases to total assets | 80.1955% | 987 |
| Net loans and leases to deposits | 92.3054% | 1,548 |
| Net loans and leases to core deposits | 116.0557% | 713 |
| Total domestic deposits to total assets | 86.8806% | 1,890 |
| Equity capital to assets | 8.1545% | 5,169 |
| Core capital (leverage) ratio | 8.3794% | 5,180 |
| Tier 1 risk-based capital ratio | 11.0165% | 5,049 |
| Total risk-based capital ratio | 12.2675% | 4,946 |
| Memoranda: | ||
| Average total assets | $144,850,000 | 3,503 |
| Average earning assets | $136,804,000 | 3,462 |
| Average equity | $11,801,330 | 4,117 |
| Average total loans | $115,828,000 | 3,084 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 808 |
| Cost of funding earning assets | 0.7762% | 1,071 |
| Net interest margin | 4.1576% | 1,277 |
| Noninterest income to average assets | 0.7576% | 1,596 |
| Noninterest expense to average assets | 3.2578% | 1,436 |
| Loan and lease loss provision to assets | 0.0645% | 2,480 |
| Net operating income to assets | 1.3581% | 1,456 |
| Return on assets (ROA) | 1.3581% | 1,469 |
| Pretax return on assets | 1.3581% | 2,156 |
| Return on Equity (ROE) | 16.6774% | 540 |
| Retained earnings to average equity (ytd only) | 16.6774% | 209 |
| Net charge-offs to loans | -0.0142% | 4,396 |
| Credit loss provision to net charge-offs | -575.0000% | 4,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6043% | 2,550 |
| Assets per employee ($millions) | 4.1308% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 2,136 |
| Loan loss allowance to noncurrent loans | 329.9781% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 3,453 |
| Noncurrent loans to loans | 0.4007% | 3,345 |
| Net loans and leases to total assets | 77.8329% | 1,269 |
| Net loans and leases to deposits | 86.9166% | 2,058 |
| Net loans and leases to core deposits | 104.2717% | 1,356 |
| Total domestic deposits to total assets | 89.5490% | 861 |
| Equity capital to assets | 8.1907% | 5,181 |
| Core capital (leverage) ratio | 8.3954% | 5,207 |
| Tier 1 risk-based capital ratio | 11.5358% | 4,840 |
| Total risk-based capital ratio | 12.7880% | 4,736 |
| Memoranda: | ||
| Average total assets | $142,549,500 | 3,573 |
| Average earning assets | $134,499,500 | 3,529 |
| Average equity | $11,608,500 | 4,179 |
| Average total loans | $113,046,500 | 3,143 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 605 |
| Cost of funding earning assets | 0.7431% | 842 |
| Net interest margin | 4.2939% | 973 |
| Noninterest income to average assets | 0.7879% | 1,618 |
| Noninterest expense to average assets | 3.4163% | 1,177 |
| Loan and lease loss provision to assets | 0.1126% | 2,020 |
| Net operating income to assets | 1.0100% | 2,195 |
| Return on assets (ROA) | 1.0100% | 2,230 |
| Pretax return on assets | 1.1870% | 2,818 |
| Return on Equity (ROE) | 12.6482% | 1,038 |
| Retained earnings to average equity (ytd only) | 0.9209% | 4,650 |
| Net charge-offs to loans | 0.0537% | 2,732 |
| Credit loss provision to net charge-offs | 263.1579% | 1,064 |
| Earnings coverage of net charge-offs (x) | 30.3860% | 1,534 |
| Efficiency ratio | 72.4423% | 2,155 |
| Assets per employee ($millions) | 4.0149% | 3,934 |
| Cash dividends to net income (ytd only)* | 92.7192% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 2,110 |
| Loan loss allowance to noncurrent loans | 394.9333% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 3,437 |
| Noncurrent loans to loans | 0.3347% | 3,567 |
| Net loans and leases to total assets | 78.6892% | 1,187 |
| Net loans and leases to deposits | 90.0352% | 1,770 |
| Net loans and leases to core deposits | 106.4307% | 1,238 |
| Total domestic deposits to total assets | 87.3982% | 1,816 |
| Equity capital to assets | 8.0949% | 5,355 |
| Core capital (leverage) ratio | 8.2165% | 5,344 |
| Tier 1 risk-based capital ratio | 11.2653% | 5,005 |
| Total risk-based capital ratio | 12.5173% | 4,876 |
| Memoranda: | ||
| Average total assets | $133,272,800 | 3,694 |
| Average earning assets | $121,916,400 | 3,712 |
| Average equity | $10,641,800 | 4,358 |
| Average total loans | $106,102,800 | 3,246 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 568 |
| Cost of funding earning assets | 0.7324% | 836 |
| Net interest margin | 4.3027% | 919 |
| Noninterest income to average assets | 0.8093% | 1,553 |
| Noninterest expense to average assets | 3.4828% | 1,022 |
| Loan and lease loss provision to assets | 0.1521% | 1,366 |
| Net operating income to assets | 1.0771% | 2,197 |
| Return on assets (ROA) | 1.0771% | 2,243 |
| Pretax return on assets | 1.0771% | 3,395 |
| Return on Equity (ROE) | 13.5388% | 922 |
| Retained earnings to average equity (ytd only) | -2.3712% | 5,451 |
| Net charge-offs to loans | 0.0484% | 2,464 |
| Credit loss provision to net charge-offs | 394.7368% | 773 |
| Earnings coverage of net charge-offs (x) | 31.8918% | 1,497 |
| Efficiency ratio | 73.9130% | 1,907 |
| Assets per employee ($millions) | 4.0548% | 3,892 |
| Cash dividends to net income (ytd only)* | 117.5146% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 1,942 |
| Loan loss allowance to noncurrent loans | 294.6955% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5107% | 3,025 |
| Noncurrent loans to loans | 0.4714% | 3,280 |
| Net loans and leases to total assets | 77.2396% | 1,390 |
| Net loans and leases to deposits | 85.6552% | 2,345 |
| Net loans and leases to core deposits | 103.2042% | 1,451 |
| Total domestic deposits to total assets | 90.1750% | 412 |
| Equity capital to assets | 8.0552% | 5,501 |
| Core capital (leverage) ratio | 8.0327% | 5,506 |
| Tier 1 risk-based capital ratio | 11.3459% | 5,052 |
| Total risk-based capital ratio | 12.5992% | 4,931 |
| Memoranda: | ||
| Average total assets | $131,461,000 | 3,760 |
| Average earning assets | $119,241,250 | 3,797 |
| Average equity | $10,458,500 | 4,424 |
| Average total loans | $104,614,750 | 3,297 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0021% | 559 |
| Cost of funding earning assets | 0.7102% | 848 |
| Net interest margin | 4.2919% | 882 |
| Noninterest income to average assets | 0.8413% | 1,436 |
| Noninterest expense to average assets | 3.5847% | 884 |
| Loan and lease loss provision to assets | 0.1624% | 1,231 |
| Net operating income to assets | 0.9634% | 2,594 |
| Return on assets (ROA) | 0.9634% | 2,649 |
| Pretax return on assets | 0.9634% | 3,710 |
| Return on Equity (ROE) | 12.1644% | 1,254 |
| Retained earnings to average equity (ytd only) | -10.0361% | 5,652 |
| Net charge-offs to loans | 0.0812% | 1,803 |
| Credit loss provision to net charge-offs | 250.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,928 |
| Efficiency ratio | 76.0998% | 1,707 |
| Assets per employee ($millions) | 3.6371% | 4,525 |
| Cash dividends to net income (ytd only)* | 182.5040% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 2,085 |
| Loan loss allowance to noncurrent loans | 476.0656% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 3,581 |
| Noncurrent loans to loans | 0.2880% | 4,009 |
| Net loans and leases to total assets | 79.7784% | 986 |
| Net loans and leases to deposits | 88.7749% | 1,892 |
| Net loans and leases to core deposits | 96.7669% | 1,907 |
| Total domestic deposits to total assets | 89.8659% | 581 |
| Equity capital to assets | 8.0605% | 5,510 |
| Core capital (leverage) ratio | 8.0924% | 5,491 |
| Tier 1 risk-based capital ratio | 12.1263% | 4,553 |
| Total risk-based capital ratio | 13.3815% | 4,428 |
| Memoranda: | ||
| Average total assets | $129,327,330 | 3,816 |
| Average earning assets | $116,592,000 | 3,869 |
| Average equity | $10,243,000 | 4,475 |
| Average total loans | $103,491,670 | 3,327 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 610 |
| Cost of funding earning assets | 0.7112% | 796 |
| Net interest margin | 4.2012% | 989 |
| Noninterest income to average assets | 0.8777% | 1,312 |
| Noninterest expense to average assets | 3.5915% | 905 |
| Loan and lease loss provision to assets | 0.1867% | 904 |
| Net operating income to assets | 0.8496% | 2,994 |
| Return on assets (ROA) | 0.8496% | 3,036 |
| Pretax return on assets | 0.8496% | 3,943 |
| Return on Equity (ROE) | 10.8253% | 1,628 |
| Retained earnings to average equity (ytd only) | -28.8278% | 5,790 |
| Net charge-offs to loans | 0.0860% | 1,488 |
| Credit loss provision to net charge-offs | 272.7273% | 835 |
| Earnings coverage of net charge-offs (x) | 15.1364% | 1,688 |
| Efficiency ratio | 77.6059% | 1,686 |
| Assets per employee ($millions) | 3.8709% | 4,232 |
| Cash dividends to net income (ytd only)* | 366.3004% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 2,062 |
| Loan loss allowance to noncurrent loans | 317.5947% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 3,667 |
| Noncurrent loans to loans | 0.4416% | 3,506 |
| Net loans and leases to total assets | 76.1747% | 1,390 |
| Net loans and leases to deposits | 84.4288% | 2,231 |
| Net loans and leases to core deposits | 91.0441% | 2,260 |
| Total domestic deposits to total assets | 90.2235% | 569 |
| Equity capital to assets | 7.8473% | 5,586 |
| Core capital (leverage) ratio | 8.0164% | 5,554 |
| Tier 1 risk-based capital ratio | 12.2540% | 4,542 |
| Total risk-based capital ratio | 13.5093% | 4,436 |
| Memoranda: | ||
| Average total assets | $128,524,000 | 3,869 |
| Average earning assets | $114,728,500 | 3,934 |
| Average equity | $10,087,500 | 4,529 |
| Average total loans | $102,283,000 | 3,378 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 472 |
| Cost of funding earning assets | 0.6729% | 939 |
| Net interest margin | 4.4573% | 674 |
| Noninterest income to average assets | 0.8837% | 1,468 |
| Noninterest expense to average assets | 3.7010% | 884 |
| Loan and lease loss provision to assets | 0.1864% | 1,265 |
| Net operating income to assets | 0.7644% | 3,474 |
| Return on assets (ROA) | 0.8600% | 3,137 |
| Pretax return on assets | 1.2057% | 2,638 |
| Return on Equity (ROE) | 10.7476% | 1,670 |
| Retained earnings to average equity (ytd only) | 5.4532% | 2,044 |
| Net charge-offs to loans | 0.0774% | 2,581 |
| Credit loss provision to net charge-offs | 293.3333% | 1,002 |
| Earnings coverage of net charge-offs (x) | 19.7867% | 1,898 |
| Efficiency ratio | 74.6411% | 2,195 |
| Assets per employee ($millions) | 3.6893% | 4,496 |
| Cash dividends to net income (ytd only)* | 49.2611% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 2,305 |
| Loan loss allowance to noncurrent loans | 155.2573% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.7590% | 2,462 |
| Noncurrent loans to loans | 0.8689% | 2,362 |
| Net loans and leases to total assets | 80.9154% | 756 |
| Net loans and leases to deposits | 91.4791% | 1,514 |
| Net loans and leases to core deposits | 99.2597% | 1,688 |
| Total domestic deposits to total assets | 88.4523% | 1,404 |
| Equity capital to assets | 7.8502% | 5,618 |
| Core capital (leverage) ratio | 7.9651% | 5,634 |
| Tier 1 risk-based capital ratio | 11.9074% | 4,790 |
| Total risk-based capital ratio | 13.1627% | 4,675 |
| Memoranda: | ||
| Average total assets | $118,023,000 | 4,028 |
| Average earning assets | $107,891,400 | 4,043 |
| Average equity | $9,444,000 | 4,666 |
| Average total loans | $96,932,000 | 3,444 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 459 |
| Cost of funding earning assets | 0.6631% | 989 |
| Net interest margin | 4.4823% | 660 |
| Noninterest income to average assets | 0.8941% | 1,429 |
| Noninterest expense to average assets | 3.7599% | 784 |
| Loan and lease loss provision to assets | 0.1722% | 1,313 |
| Net operating income to assets | 0.7604% | 3,563 |
| Return on assets (ROA) | 0.8918% | 3,080 |
| Pretax return on assets | 1.2407% | 2,650 |
| Return on Equity (ROE) | 11.0879% | 1,640 |
| Retained earnings to average equity (ytd only) | 3.9528% | 3,491 |
| Net charge-offs to loans | 0.0014% | 3,898 |
| Credit loss provision to net charge-offs | 15,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,074.6617% | 69 |
| Efficiency ratio | 75.3450% | 2,056 |
| Assets per employee ($millions) | 3.7030% | 4,466 |
| Cash dividends to net income (ytd only)* | 64.3503% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 2,281 |
| Loan loss allowance to noncurrent loans | 143.2544% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 2,440 |
| Noncurrent loans to loans | 0.9648% | 2,309 |
| Net loans and leases to total assets | 81.2208% | 730 |
| Net loans and leases to deposits | 93.9157% | 1,261 |
| Net loans and leases to core deposits | 101.2125% | 1,541 |
| Total domestic deposits to total assets | 86.4827% | 2,135 |
| Equity capital to assets | 7.8839% | 5,774 |
| Core capital (leverage) ratio | 8.0651% | 5,654 |
| Tier 1 risk-based capital ratio | 11.9400% | 4,827 |
| Total risk-based capital ratio | 13.1955% | 4,712 |
| Memoranda: | ||
| Average total assets | $116,169,750 | 4,086 |
| Average earning assets | $106,163,750 | 4,101 |
| Average equity | $9,343,250 | 4,731 |
| Average total loans | $95,443,750 | 3,481 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1320% | 469 |
| Cost of funding earning assets | 0.6458% | 1,069 |
| Net interest margin | 4.4862% | 633 |
| Noninterest income to average assets | 0.8655% | 1,491 |
| Noninterest expense to average assets | 3.8139% | 755 |
| Loan and lease loss provision to assets | 0.1577% | 1,444 |
| Net operating income to assets | 0.7322% | 3,641 |
| Return on assets (ROA) | 0.9355% | 2,833 |
| Pretax return on assets | 1.2859% | 2,462 |
| Return on Equity (ROE) | 11.5505% | 1,459 |
| Retained earnings to average equity (ytd only) | 0.7354% | 5,082 |
| Net charge-offs to loans | 0.0107% | 3,344 |
| Credit loss provision to net charge-offs | 1,800.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 451 |
| Efficiency ratio | 76.6010% | 1,995 |
| Assets per employee ($millions) | 3.4223% | 4,881 |
| Cash dividends to net income (ytd only)* | 93.6330% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 2,555 |
| Loan loss allowance to noncurrent loans | 145.7739% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.8065% | 2,578 |
| Noncurrent loans to loans | 0.9221% | 2,432 |
| Net loans and leases to total assets | 81.3735% | 701 |
| Net loans and leases to deposits | 92.2845% | 1,474 |
| Net loans and leases to core deposits | 98.1186% | 1,799 |
| Total domestic deposits to total assets | 88.1768% | 1,337 |
| Equity capital to assets | 7.8401% | 5,851 |
| Core capital (leverage) ratio | 8.0601% | 5,694 |
| Tier 1 risk-based capital ratio | 11.2196% | 5,305 |
| Total risk-based capital ratio | 12.4738% | 5,215 |
| Memoranda: | ||
| Average total assets | $114,160,000 | 4,153 |
| Average earning assets | $104,676,000 | 4,157 |
| Average equity | $9,246,330 | 4,788 |
| Average total loans | $93,711,000 | 3,529 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 444 |
| Cost of funding earning assets | 0.6434% | 1,089 |
| Net interest margin | 4.5156% | 587 |
| Noninterest income to average assets | 0.8981% | 1,318 |
| Noninterest expense to average assets | 3.8617% | 718 |
| Loan and lease loss provision to assets | 0.1617% | 1,282 |
| Net operating income to assets | 0.6840% | 3,795 |
| Return on assets (ROA) | 0.7149% | 3,757 |
| Pretax return on assets | 1.0813% | 3,166 |
| Return on Equity (ROE) | 8.6767% | 2,569 |
| Retained earnings to average equity (ytd only) | -13.1240% | 5,877 |
| Net charge-offs to loans | 0.0263% | 2,414 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 816 |
| Efficiency ratio | 76.3494% | 2,128 |
| Assets per employee ($millions) | 3.5718% | 4,698 |
| Cash dividends to net income (ytd only)* | 251.2563% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 2,531 |
| Loan loss allowance to noncurrent loans | 137.2990% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.9519% | 2,323 |
| Noncurrent loans to loans | 1.0025% | 2,379 |
| Net loans and leases to total assets | 80.3059% | 771 |
| Net loans and leases to deposits | 91.1509% | 1,449 |
| Net loans and leases to core deposits | 96.9209% | 1,712 |
| Total domestic deposits to total assets | 88.1022% | 1,590 |
| Equity capital to assets | 7.8952% | 5,862 |
| Core capital (leverage) ratio | 8.0272% | 5,757 |
| Tier 1 risk-based capital ratio | 10.2973% | 5,829 |
| Total risk-based capital ratio | 11.5498% | 5,754 |
| Memoranda: | ||
| Average total assets | $111,349,500 | 4,239 |
| Average earning assets | $102,577,500 | 4,242 |
| Average equity | $9,174,000 | 4,823 |
| Average total loans | $91,167,500 | 3,596 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2374% | 403 |
| Cost of funding earning assets | 0.6008% | 1,352 |
| Net interest margin | 4.6366% | 507 |
| Noninterest income to average assets | 1.1609% | 880 |
| Noninterest expense to average assets | 3.7311% | 940 |
| Loan and lease loss provision to assets | 0.1760% | 1,289 |
| Net operating income to assets | 1.1805% | 1,619 |
| Return on assets (ROA) | 1.1893% | 1,666 |
| Pretax return on assets | 1.5902% | 1,275 |
| Return on Equity (ROE) | 14.1461% | 820 |
| Retained earnings to average equity (ytd only) | 14.1461% | 158 |
| Net charge-offs to loans | 0.0588% | 3,041 |
| Credit loss provision to net charge-offs | 367.3469% | 812 |
| Earnings coverage of net charge-offs (x) | 36.6122% | 1,262 |
| Efficiency ratio | 68.0157% | 3,574 |
| Assets per employee ($millions) | 3.4968% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 2,460 |
| Loan loss allowance to noncurrent loans | 281.8594% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 3,972 |
| Noncurrent loans to loans | 0.4940% | 3,715 |
| Net loans and leases to total assets | 81.2013% | 672 |
| Net loans and leases to deposits | 93.1717% | 1,294 |
| Net loans and leases to core deposits | 99.3073% | 1,571 |
| Total domestic deposits to total assets | 87.1523% | 2,049 |
| Equity capital to assets | 8.6014% | 5,467 |
| Core capital (leverage) ratio | 8.5196% | 5,404 |
| Tier 1 risk-based capital ratio | 11.3509% | 5,345 |
| Total risk-based capital ratio | 12.6036% | 5,238 |
| Memoranda: | ||
| Average total assets | $102,248,800 | 4,421 |
| Average earning assets | $95,371,400 | 4,406 |
| Average equity | $8,596,000 | 4,935 |
| Average total loans | $83,338,400 | 3,736 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 426 |
| Cost of funding earning assets | 0.5860% | 1,491 |
| Net interest margin | 4.6342% | 512 |
| Noninterest income to average assets | 0.9823% | 1,226 |
| Noninterest expense to average assets | 3.7718% | 888 |
| Loan and lease loss provision to assets | 0.1787% | 1,171 |
| Net operating income to assets | 0.9369% | 2,769 |
| Return on assets (ROA) | 0.9479% | 2,821 |
| Pretax return on assets | 1.3716% | 2,131 |
| Return on Equity (ROE) | 11.3459% | 1,588 |
| Retained earnings to average equity (ytd only) | 11.3459% | 433 |
| Net charge-offs to loans | 0.0635% | 2,680 |
| Credit loss provision to net charge-offs | 346.1538% | 850 |
| Earnings coverage of net charge-offs (x) | 29.7171% | 1,505 |
| Efficiency ratio | 71.0828% | 3,028 |
| Assets per employee ($millions) | 3.5219% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 2,678 |
| Loan loss allowance to noncurrent loans | 308.9514% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 4,269 |
| Noncurrent loans to loans | 0.4485% | 4,002 |
| Net loans and leases to total assets | 81.3748% | 659 |
| Net loans and leases to deposits | 95.4718% | 1,054 |
| Net loans and leases to core deposits | 99.9919% | 1,519 |
| Total domestic deposits to total assets | 85.2344% | 2,915 |
| Equity capital to assets | 8.3231% | 5,817 |
| Core capital (leverage) ratio | 8.4427% | 5,593 |
| Tier 1 risk-based capital ratio | 11.0662% | 5,624 |
| Total risk-based capital ratio | 12.3178% | 5,516 |
| Memoranda: | ||
| Average total assets | $100,710,750 | 4,496 |
| Average earning assets | $93,965,000 | 4,486 |
| Average equity | $8,414,000 | 5,039 |
| Average total loans | $81,856,500 | 3,809 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 417 |
| Cost of funding earning assets | 0.5789% | 1,578 |
| Net interest margin | 4.6351% | 498 |
| Noninterest income to average assets | 0.9428% | 1,324 |
| Noninterest expense to average assets | 3.7431% | 938 |
| Loan and lease loss provision to assets | 0.1817% | 1,125 |
| Net operating income to assets | 0.9319% | 2,723 |
| Return on assets (ROA) | 0.9348% | 2,832 |
| Pretax return on assets | 1.3386% | 2,214 |
| Return on Equity (ROE) | 11.1737% | 1,625 |
| Retained earnings to average equity (ytd only) | 11.1737% | 481 |
| Net charge-offs to loans | 0.0574% | 2,576 |
| Credit loss provision to net charge-offs | 391.3043% | 758 |
| Earnings coverage of net charge-offs (x) | 32.6522% | 1,290 |
| Efficiency ratio | 71.1708% | 3,134 |
| Assets per employee ($millions) | 3.3753% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 2,689 |
| Loan loss allowance to noncurrent loans | 412.2378% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 4,748 |
| Noncurrent loans to loans | 0.3431% | 4,456 |
| Net loans and leases to total assets | 81.1513% | 649 |
| Net loans and leases to deposits | 94.0162% | 1,150 |
| Net loans and leases to core deposits | 98.5654% | 1,608 |
| Total domestic deposits to total assets | 86.3163% | 2,520 |
| Equity capital to assets | 8.3943% | 5,765 |
| Core capital (leverage) ratio | 8.6240% | 5,410 |
| Tier 1 risk-based capital ratio | 11.2957% | 5,581 |
| Total risk-based capital ratio | 12.5488% | 5,502 |
| Memoranda: | ||
| Average total assets | $99,061,670 | 4,568 |
| Average earning assets | $92,251,670 | 4,551 |
| Average equity | $8,287,330 | 5,105 |
| Average total loans | $80,079,670 | 3,875 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1988% | 406 |
| Cost of funding earning assets | 0.5816% | 1,566 |
| Net interest margin | 4.6172% | 482 |
| Noninterest income to average assets | 0.9391% | 1,268 |
| Noninterest expense to average assets | 3.7443% | 942 |
| Loan and lease loss provision to assets | 0.1837% | 1,037 |
| Net operating income to assets | 0.9555% | 2,475 |
| Return on assets (ROA) | 0.9555% | 2,612 |
| Pretax return on assets | 1.2903% | 2,328 |
| Return on Equity (ROE) | 11.4411% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.4411% | 654 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7527% | 3,211 |
| Assets per employee ($millions) | 3.3431% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 2,652 |
| Loan loss allowance to noncurrent loans | 455.1181% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 4,894 |
| Noncurrent loans to loans | 0.3196% | 4,649 |
| Net loans and leases to total assets | 80.7705% | 599 |
| Net loans and leases to deposits | 91.0250% | 1,292 |
| Net loans and leases to core deposits | 96.9770% | 1,550 |
| Total domestic deposits to total assets | 88.7344% | 1,434 |
| Equity capital to assets | 8.5890% | 5,672 |
| Core capital (leverage) ratio | 8.3946% | 5,640 |
| Tier 1 risk-based capital ratio | 11.9254% | 5,287 |
| Total risk-based capital ratio | 13.1794% | 5,177 |
| Memoranda: | ||
| Average total assets | $97,963,000 | 4,626 |
| Average earning assets | $90,791,000 | 4,623 |
| Average equity | $8,181,000 | 5,171 |
| Average total loans | $78,443,500 | 3,949 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4661% | 339 |
| Cost of funding earning assets | 0.6423% | 1,456 |
| Net interest margin | 4.8238% | 416 |
| Noninterest income to average assets | 1.0673% | 1,067 |
| Noninterest expense to average assets | 3.9146% | 841 |
| Loan and lease loss provision to assets | 0.1929% | 1,325 |
| Net operating income to assets | 1.0076% | 2,343 |
| Return on assets (ROA) | 1.0212% | 2,366 |
| Pretax return on assets | 1.3642% | 2,020 |
| Return on Equity (ROE) | 12.4426% | 1,281 |
| Retained earnings to average equity (ytd only) | 8.5257% | 820 |
| Net charge-offs to loans | 0.1184% | 2,858 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 15.9556% | 2,049 |
| Efficiency ratio | 71.7823% | 3,241 |
| Assets per employee ($millions) | 3.1928% | 5,442 |
| Cash dividends to net income (ytd only)* | 31.4795% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 2,765 |
| Loan loss allowance to noncurrent loans | 357.5563% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 4,788 |
| Noncurrent loans to loans | 0.4017% | 4,436 |
| Net loans and leases to total assets | 77.1015% | 1,118 |
| Net loans and leases to deposits | 90.8920% | 1,413 |
| Net loans and leases to core deposits | 96.9768% | 1,636 |
| Total domestic deposits to total assets | 84.8276% | 3,355 |
| Equity capital to assets | 8.1181% | 6,000 |
| Core capital (leverage) ratio | 8.5923% | 5,455 |
| Tier 1 risk-based capital ratio | 11.5998% | 5,606 |
| Total risk-based capital ratio | 12.8531% | 5,523 |
| Memoranda: | ||
| Average total assets | $93,318,000 | 4,769 |
| Average earning assets | $84,850,000 | 4,763 |
| Average equity | $7,659,200 | 5,282 |
| Average total loans | $75,990,000 | 3,992 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5131% | 314 |
| Cost of funding earning assets | 0.6552% | 1,424 |
| Net interest margin | 4.8579% | 370 |
| Noninterest income to average assets | 1.0707% | 1,067 |
| Noninterest expense to average assets | 3.9577% | 791 |
| Loan and lease loss provision to assets | 0.1959% | 1,228 |
| Net operating income to assets | 1.0250% | 2,346 |
| Return on assets (ROA) | 1.0373% | 2,352 |
| Pretax return on assets | 1.3434% | 2,225 |
| Return on Equity (ROE) | 12.6012% | 1,320 |
| Retained earnings to average equity (ytd only) | 7.3140% | 1,661 |
| Net charge-offs to loans | 0.0494% | 3,512 |
| Credit loss provision to net charge-offs | 482.1429% | 588 |
| Earnings coverage of net charge-offs (x) | 37.5025% | 1,177 |
| Efficiency ratio | 72.2075% | 3,143 |
| Assets per employee ($millions) | 3.0077% | 5,713 |
| Cash dividends to net income (ytd only)* | 41.9580% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 2,794 |
| Loan loss allowance to noncurrent loans | 366.2338% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 4,664 |
| Noncurrent loans to loans | 0.4057% | 4,691 |
| Net loans and leases to total assets | 80.2100% | 695 |
| Net loans and leases to deposits | 90.4820% | 1,377 |
| Net loans and leases to core deposits | 97.2611% | 1,571 |
| Total domestic deposits to total assets | 88.6475% | 1,425 |
| Equity capital to assets | 8.4235% | 5,862 |
| Core capital (leverage) ratio | 8.5104% | 5,649 |
| Tier 1 risk-based capital ratio | 11.5435% | 5,769 |
| Total risk-based capital ratio | 12.7989% | 5,691 |
| Memoranda: | ||
| Average total assets | $91,903,500 | 4,847 |
| Average earning assets | $83,436,250 | 4,859 |
| Average equity | $7,565,250 | 5,341 |
| Average total loans | $75,631,500 | 4,044 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4926% | 312 |
| Cost of funding earning assets | 0.6544% | 1,477 |
| Net interest margin | 4.8382% | 385 |
| Noninterest income to average assets | 1.0387% | 1,102 |
| Noninterest expense to average assets | 3.9603% | 793 |
| Loan and lease loss provision to assets | 0.1968% | 1,238 |
| Net operating income to assets | 1.0647% | 2,058 |
| Return on assets (ROA) | 1.0846% | 2,055 |
| Pretax return on assets | 1.3033% | 2,242 |
| Return on Equity (ROE) | 13.2816% | 1,102 |
| Retained earnings to average equity (ytd only) | 5.2484% | 2,799 |
| Net charge-offs to loans | 0.0026% | 4,298 |
| Credit loss provision to net charge-offs | 9,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 675.0000% | 104 |
| Efficiency ratio | 72.8479% | 3,184 |
| Assets per employee ($millions) | 2.9584% | 5,811 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 3,052 |
| Loan loss allowance to noncurrent loans | 309.4708% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 4,839 |
| Noncurrent loans to loans | 0.4733% | 4,583 |
| Net loans and leases to total assets | 81.4886% | 521 |
| Net loans and leases to deposits | 91.6903% | 1,192 |
| Net loans and leases to core deposits | 99.4451% | 1,326 |
| Total domestic deposits to total assets | 88.8737% | 1,433 |
| Equity capital to assets | 8.3229% | 5,936 |
| Core capital (leverage) ratio | 8.3020% | 5,845 |
| Tier 1 risk-based capital ratio | 11.2771% | 5,920 |
| Total risk-based capital ratio | 12.5311% | 5,857 |
| Memoranda: | ||
| Average total assets | $91,458,330 | 4,891 |
| Average earning assets | $83,129,330 | 4,899 |
| Average equity | $7,469,000 | 5,386 |
| Average total loans | $75,537,000 | 4,061 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5283% | 280 |
| Cost of funding earning assets | 0.6729% | 1,421 |
| Net interest margin | 4.8554% | 348 |
| Noninterest income to average assets | 1.0292% | 1,067 |
| Noninterest expense to average assets | 3.9373% | 815 |
| Loan and lease loss provision to assets | 0.1971% | 1,187 |
| Net operating income to assets | 1.2876% | 1,248 |
| Return on assets (ROA) | 1.3358% | 1,175 |
| Pretax return on assets | 1.3358% | 1,977 |
| Return on Equity (ROE) | 16.5155% | 587 |
| Retained earnings to average equity (ytd only) | 0.2707% | 5,467 |
| Net charge-offs to loans | -0.0212% | 5,384 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6171% | 3,375 |
| Assets per employee ($millions) | 3.0438% | 5,787 |
| Cash dividends to net income (ytd only)* | 98.3607% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 3,663 |
| Loan loss allowance to noncurrent loans | 447.6987% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 5,427 |
| Noncurrent loans to loans | 0.3101% | 5,176 |
| Net loans and leases to total assets | 80.5424% | 494 |
| Net loans and leases to deposits | 89.9365% | 1,163 |
| Net loans and leases to core deposits | 96.0068% | 1,383 |
| Total domestic deposits to total assets | 89.5548% | 1,341 |
| Equity capital to assets | 7.8498% | 6,146 |
| Core capital (leverage) ratio | 8.0206% | 6,102 |
| Tier 1 risk-based capital ratio | 10.7458% | 6,262 |
| Total risk-based capital ratio | 11.9615% | 6,231 |
| Memoranda: | ||
| Average total assets | $91,332,000 | 4,930 |
| Average earning assets | $82,629,000 | 4,953 |
| Average equity | $7,387,000 | 5,434 |
| Average total loans | $75,383,000 | 4,085 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8083% | 226 |
| Cost of funding earning assets | 0.7471% | 1,513 |
| Net interest margin | 5.0612% | 282 |
| Noninterest income to average assets | 0.9831% | 1,432 |
| Noninterest expense to average assets | 4.1480% | 734 |
| Loan and lease loss provision to assets | 0.3180% | 1,038 |
| Net operating income to assets | 1.0227% | 2,236 |
| Return on assets (ROA) | 1.0227% | 2,294 |
| Pretax return on assets | 1.0227% | 3,254 |
| Return on Equity (ROE) | 12.4751% | 1,286 |
| Retained earnings to average equity (ytd only) | 12.4751% | 274 |
| Net charge-offs to loans | 0.3237% | 2,063 |
| Credit loss provision to net charge-offs | 121.3333% | 1,960 |
| Earnings coverage of net charge-offs (x) | 5.1156% | 3,379 |
| Efficiency ratio | 75.5730% | 2,847 |
| Assets per employee ($millions) | 2.9435% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 3,720 |
| Loan loss allowance to noncurrent loans | 466.2100% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 4,885 |
| Noncurrent loans to loans | 0.2972% | 5,293 |
| Net loans and leases to total assets | 82.3011% | 386 |
| Net loans and leases to deposits | 92.5161% | 1,004 |
| Net loans and leases to core deposits | 98.5798% | 1,270 |
| Total domestic deposits to total assets | 88.9587% | 1,658 |
| Equity capital to assets | 8.3427% | 5,741 |
| Core capital (leverage) ratio | 8.5104% | 5,659 |
| Tier 1 risk-based capital ratio | 11.1897% | 6,080 |
| Total risk-based capital ratio | 12.4443% | 6,026 |
| Memoranda: | ||
| Average total assets | $85,849,600 | 5,089 |
| Average earning assets | $76,425,200 | 5,138 |
| Average equity | $7,038,000 | 5,559 |
| Average total loans | $69,510,400 | 4,287 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8535% | 220 |
| Cost of funding earning assets | 0.7586% | 1,543 |
| Net interest margin | 5.0949% | 261 |
| Noninterest income to average assets | 0.9073% | 1,734 |
| Noninterest expense to average assets | 4.0545% | 802 |
| Loan and lease loss provision to assets | 0.2315% | 1,567 |
| Net operating income to assets | 1.1388% | 1,856 |
| Return on assets (ROA) | 1.1388% | 1,930 |
| Pretax return on assets | 1.1388% | 2,951 |
| Return on Equity (ROE) | 13.9545% | 1,005 |
| Retained earnings to average equity (ytd only) | 13.9545% | 255 |
| Net charge-offs to loans | 0.3058% | 2,007 |
| Credit loss provision to net charge-offs | 94.2675% | 2,527 |
| Earnings coverage of net charge-offs (x) | 5.5796% | 3,156 |
| Efficiency ratio | 74.7405% | 2,943 |
| Assets per employee ($millions) | 2.8959% | 6,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 4,229 |
| Loan loss allowance to noncurrent loans | 165.3516% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 3,979 |
| Noncurrent loans to loans | 0.8058% | 4,224 |
| Net loans and leases to total assets | 82.1679% | 356 |
| Net loans and leases to deposits | 92.5972% | 936 |
| Net loans and leases to core deposits | 100.0982% | 1,110 |
| Total domestic deposits to total assets | 88.7369% | 1,704 |
| Equity capital to assets | 8.3520% | 5,873 |
| Core capital (leverage) ratio | 8.5507% | 5,723 |
| Tier 1 risk-based capital ratio | 11.2684% | 6,164 |
| Total risk-based capital ratio | 12.5360% | 6,117 |
| Memoranda: | ||
| Average total assets | $85,235,750 | 5,152 |
| Average earning assets | $75,576,500 | 5,211 |
| Average equity | $6,955,750 | 5,650 |
| Average total loans | $68,463,750 | 4,360 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8432% | 225 |
| Cost of funding earning assets | 0.7777% | 1,542 |
| Net interest margin | 5.0655% | 278 |
| Noninterest income to average assets | 0.8691% | 1,929 |
| Noninterest expense to average assets | 3.9486% | 920 |
| Loan and lease loss provision to assets | 0.2432% | 1,533 |
| Net operating income to assets | 1.1383% | 1,783 |
| Return on assets (ROA) | 1.1383% | 1,898 |
| Pretax return on assets | 1.1383% | 2,930 |
| Return on Equity (ROE) | 14.0614% | 1,000 |
| Retained earnings to average equity (ytd only) | 14.0614% | 296 |
| Net charge-offs to loans | 0.4615% | 1,431 |
| Credit loss provision to net charge-offs | 66.4516% | 2,903 |
| Earnings coverage of net charge-offs (x) | 3.7742% | 3,304 |
| Efficiency ratio | 74.0806% | 3,115 |
| Assets per employee ($millions) | 2.9412% | 5,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 4,173 |
| Loan loss allowance to noncurrent loans | 350.5703% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 4,954 |
| Noncurrent loans to loans | 0.3907% | 5,298 |
| Net loans and leases to total assets | 77.8437% | 768 |
| Net loans and leases to deposits | 89.9236% | 1,149 |
| Net loans and leases to core deposits | 98.9847% | 1,143 |
| Total domestic deposits to total assets | 86.5665% | 3,083 |
| Equity capital to assets | 8.2128% | 6,048 |
| Core capital (leverage) ratio | 8.1693% | 6,039 |
| Tier 1 risk-based capital ratio | 11.4295% | 6,147 |
| Total risk-based capital ratio | 12.6951% | 6,104 |
| Memoranda: | ||
| Average total assets | $84,688,670 | 5,203 |
| Average earning assets | $74,582,670 | 5,262 |
| Average equity | $6,855,670 | 5,721 |
| Average total loans | $67,168,670 | 4,417 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7660% | 248 |
| Cost of funding earning assets | 0.7907% | 1,582 |
| Net interest margin | 4.9753% | 306 |
| Noninterest income to average assets | 0.8437% | 1,945 |
| Noninterest expense to average assets | 3.9817% | 902 |
| Loan and lease loss provision to assets | 0.2133% | 1,738 |
| Net operating income to assets | 1.0333% | 2,098 |
| Return on assets (ROA) | 1.0333% | 2,209 |
| Pretax return on assets | 1.0333% | 3,212 |
| Return on Equity (ROE) | 12.8595% | 1,201 |
| Retained earnings to average equity (ytd only) | 12.8595% | 574 |
| Net charge-offs to loans | -0.0179% | 5,671 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1559% | 2,898 |
| Assets per employee ($millions) | 3.2839% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 3,770 |
| Loan loss allowance to noncurrent loans | 193.9279% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5944% | 4,897 |
| Noncurrent loans to loans | 0.7798% | 4,560 |
| Net loans and leases to total assets | 75.0691% | 955 |
| Net loans and leases to deposits | 87.2609% | 1,217 |
| Net loans and leases to core deposits | 94.4810% | 1,309 |
| Total domestic deposits to total assets | 86.0283% | 3,514 |
| Equity capital to assets | 7.8712% | 6,445 |
| Core capital (leverage) ratio | 8.0878% | 6,062 |
| Tier 1 risk-based capital ratio | 11.0374% | 6,388 |
| Total risk-based capital ratio | 12.3051% | 6,356 |
| Memoranda: | ||
| Average total assets | $84,386,000 | 5,252 |
| Average earning assets | $74,367,500 | 5,312 |
| Average equity | $6,781,000 | 5,796 |
| Average total loans | $67,094,000 | 4,452 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0569% | 245 |
| Cost of funding earning assets | 0.9520% | 1,632 |
| Net interest margin | 5.1049% | 322 |
| Noninterest income to average assets | 0.8042% | 2,250 |
| Noninterest expense to average assets | 4.2637% | 711 |
| Loan and lease loss provision to assets | 0.3119% | 2,196 |
| Net operating income to assets | 0.8245% | 3,160 |
| Return on assets (ROA) | 0.8354% | 3,371 |
| Pretax return on assets | 0.8354% | 4,164 |
| Return on Equity (ROE) | 10.4620% | 1,985 |
| Retained earnings to average equity (ytd only) | 10.4620% | 516 |
| Net charge-offs to loans | 0.0655% | 5,031 |
| Credit loss provision to net charge-offs | 589.7436% | 418 |
| Earnings coverage of net charge-offs (x) | 21.4872% | 1,300 |
| Efficiency ratio | 78.9553% | 2,280 |
| Assets per employee ($millions) | 2.8610% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 3,889 |
| Loan loss allowance to noncurrent loans | 141.3643% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 4,325 |
| Noncurrent loans to loans | 1.0344% | 4,144 |
| Net loans and leases to total assets | 81.9304% | 328 |
| Net loans and leases to deposits | 96.2078% | 603 |
| Net loans and leases to core deposits | 103.3835% | 819 |
| Total domestic deposits to total assets | 85.1598% | 3,787 |
| Equity capital to assets | 8.2178% | 6,269 |
| Core capital (leverage) ratio | 8.2814% | 5,905 |
| Tier 1 risk-based capital ratio | 10.6367% | 6,502 |
| Total risk-based capital ratio | 11.8916% | 6,462 |
| Memoranda: | ||
| Average total assets | $73,738,000 | 5,520 |
| Average earning assets | $66,387,200 | 5,538 |
| Average equity | $5,888,000 | 6,052 |
| Average total loans | $59,499,800 | 4,732 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2168% | 203 |
| Cost of funding earning assets | 1.0060% | 1,521 |
| Net interest margin | 5.2108% | 290 |
| Noninterest income to average assets | 0.6838% | 2,791 |
| Noninterest expense to average assets | 4.3522% | 629 |
| Loan and lease loss provision to assets | 0.2495% | 2,567 |
| Net operating income to assets | 0.7632% | 3,632 |
| Return on assets (ROA) | 0.7632% | 3,884 |
| Pretax return on assets | 0.7632% | 4,620 |
| Return on Equity (ROE) | 9.6364% | 2,527 |
| Retained earnings to average equity (ytd only) | 9.6364% | 1,018 |
| Net charge-offs to loans | 0.0762% | 4,643 |
| Credit loss provision to net charge-offs | 409.0909% | 659 |
| Earnings coverage of net charge-offs (x) | 16.6057% | 1,683 |
| Efficiency ratio | 81.1230% | 1,915 |
| Assets per employee ($millions) | 2.8972% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 4,227 |
| Loan loss allowance to noncurrent loans | 164.8045% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7965% | 4,714 |
| Noncurrent loans to loans | 0.8698% | 4,681 |
| Net loans and leases to total assets | 80.7835% | 448 |
| Net loans and leases to deposits | 93.9421% | 796 |
| Net loans and leases to core deposits | 101.8597% | 992 |
| Total domestic deposits to total assets | 85.9929% | 3,262 |
| Equity capital to assets | 8.0875% | 6,555 |
| Core capital (leverage) ratio | 8.0308% | 6,300 |
| Tier 1 risk-based capital ratio | 10.4807% | 6,670 |
| Total risk-based capital ratio | 11.7351% | 6,653 |
| Memoranda: | ||
| Average total assets | $72,145,750 | 5,630 |
| Average earning assets | $64,812,000 | 5,647 |
| Average equity | $5,714,250 | 6,169 |
| Average total loans | $57,723,250 | 4,851 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9705% | 306 |
| Cost of funding earning assets | 1.0518% | 1,459 |
| Net interest margin | 4.9187% | 453 |
| Noninterest income to average assets | 0.8356% | 2,022 |
| Noninterest expense to average assets | 4.3609% | 619 |
| Loan and lease loss provision to assets | 0.2532% | 2,548 |
| Net operating income to assets | 0.6162% | 4,303 |
| Return on assets (ROA) | 0.6162% | 4,549 |
| Pretax return on assets | 0.6162% | 5,083 |
| Return on Equity (ROE) | 7.8378% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.8378% | 1,704 |
| Net charge-offs to loans | 0.1632% | 3,630 |
| Credit loss provision to net charge-offs | 195.6522% | 1,450 |
| Earnings coverage of net charge-offs (x) | 6.7174% | 2,590 |
| Efficiency ratio | 83.3782% | 1,697 |
| Assets per employee ($millions) | 2.7907% | 6,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 4,376 |
| Loan loss allowance to noncurrent loans | 138.0634% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 4,544 |
| Noncurrent loans to loans | 1.0301% | 4,448 |
| Net loans and leases to total assets | 79.0055% | 616 |
| Net loans and leases to deposits | 91.7419% | 979 |
| Net loans and leases to core deposits | 99.7425% | 1,115 |
| Total domestic deposits to total assets | 86.1171% | 3,297 |
| Equity capital to assets | 7.8890% | 6,638 |
| Core capital (leverage) ratio | 7.7098% | 6,511 |
| Tier 1 risk-based capital ratio | 10.5403% | 6,681 |
| Total risk-based capital ratio | 11.7211% | 6,689 |
| Memoranda: | ||
| Average total assets | $71,085,670 | 5,698 |
| Average earning assets | $63,512,330 | 5,719 |
| Average equity | $5,588,330 | 6,220 |
| Average total loans | $56,385,670 | 4,938 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1026% | 265 |
| Cost of funding earning assets | 1.1148% | 1,321 |
| Net interest margin | 4.9878% | 407 |
| Noninterest income to average assets | 0.6652% | 2,836 |
| Noninterest expense to average assets | 4.3724% | 614 |
| Loan and lease loss provision to assets | 0.2559% | 2,410 |
| Net operating income to assets | 0.4890% | 4,877 |
| Return on assets (ROA) | 0.4890% | 5,079 |
| Pretax return on assets | 0.4890% | 5,464 |
| Return on Equity (ROE) | 6.2313% | 4,172 |
| Retained earnings to average equity (ytd only) | 6.2313% | 2,826 |
| Net charge-offs to loans | -0.0649% | 6,642 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4444% | 1,530 |
| Assets per employee ($millions) | 2.7705% | 6,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 4,229 |
| Loan loss allowance to noncurrent loans | 119.2308% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 1.0606% | 4,369 |
| Noncurrent loans to loans | 1.2471% | 4,252 |
| Net loans and leases to total assets | 76.9814% | 701 |
| Net loans and leases to deposits | 85.1366% | 1,519 |
| Net loans and leases to core deposits | 97.4672% | 1,168 |
| Total domestic deposits to total assets | 90.4211% | 851 |
| Equity capital to assets | 7.7326% | 6,671 |
| Core capital (leverage) ratio | 7.8134% | 6,405 |
| Tier 1 risk-based capital ratio | 10.4944% | 6,740 |
| Total risk-based capital ratio | 11.7178% | 6,744 |
| Memoranda: | ||
| Average total assets | $70,350,000 | 5,756 |
| Average earning assets | $62,793,000 | 5,785 |
| Average equity | $5,520,500 | 6,267 |
| Average total loans | $55,503,000 | 4,995 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8589% | 566 |
| Cost of funding earning assets | 1.2692% | 1,637 |
| Net interest margin | 4.5897% | 941 |
| Noninterest income to average assets | 0.6501% | 2,885 |
| Noninterest expense to average assets | 4.1012% | 906 |
| Loan and lease loss provision to assets | 0.3995% | 2,596 |
| Net operating income to assets | 0.4151% | 4,792 |
| Return on assets (ROA) | 0.4151% | 4,978 |
| Pretax return on assets | 0.4151% | 5,240 |
| Return on Equity (ROE) | 5.2911% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.2911% | 2,455 |
| Net charge-offs to loans | 0.1362% | 5,050 |
| Credit loss provision to net charge-offs | 380.5970% | 612 |
| Earnings coverage of net charge-offs (x) | 7.7612% | 2,270 |
| Efficiency ratio | 83.4289% | 1,830 |
| Assets per employee ($millions) | 2.6410% | 6,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 4,330 |
| Loan loss allowance to noncurrent loans | 60.0921% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.8976% | 3,110 |
| Noncurrent loans to loans | 2.3813% | 2,747 |
| Net loans and leases to total assets | 78.5443% | 650 |
| Net loans and leases to deposits | 91.6216% | 1,001 |
| Net loans and leases to core deposits | 103.1361% | 958 |
| Total domestic deposits to total assets | 85.7268% | 3,471 |
| Equity capital to assets | 7.9674% | 6,594 |
| Core capital (leverage) ratio | 7.8991% | 6,360 |
| Tier 1 risk-based capital ratio | 10.4848% | 6,691 |
| Total risk-based capital ratio | 11.7522% | 6,661 |
| Memoranda: | ||
| Average total assets | $63,835,200 | 5,927 |
| Average earning assets | $59,329,000 | 5,885 |
| Average equity | $5,008,400 | 6,446 |
| Average total loans | $49,203,800 | 5,296 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9177% | 541 |
| Cost of funding earning assets | 1.2999% | 1,702 |
| Net interest margin | 4.6178% | 916 |
| Noninterest income to average assets | 0.4982% | 3,884 |
| Noninterest expense to average assets | 4.0684% | 929 |
| Loan and lease loss provision to assets | 0.3832% | 2,560 |
| Net operating income to assets | 0.3726% | 5,118 |
| Return on assets (ROA) | 0.3726% | 5,302 |
| Pretax return on assets | 0.3726% | 5,551 |
| Return on Equity (ROE) | 4.7689% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.7689% | 3,332 |
| Net charge-offs to loans | 0.0530% | 5,444 |
| Credit loss provision to net charge-offs | 947.3684% | 282 |
| Earnings coverage of net charge-offs (x) | 18.6861% | 1,295 |
| Efficiency ratio | 84.3336% | 1,699 |
| Assets per employee ($millions) | 2.6494% | 6,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 4,272 |
| Loan loss allowance to noncurrent loans | 68.1081% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.6759% | 3,576 |
| Noncurrent loans to loans | 2.1491% | 3,182 |
| Net loans and leases to total assets | 76.8397% | 863 |
| Net loans and leases to deposits | 86.6355% | 1,603 |
| Net loans and leases to core deposits | 100.8901% | 1,172 |
| Total domestic deposits to total assets | 88.6931% | 1,627 |
| Equity capital to assets | 7.6970% | 6,843 |
| Core capital (leverage) ratio | 7.7848% | 6,579 |
| Tier 1 risk-based capital ratio | 10.7803% | 6,674 |
| Total risk-based capital ratio | 12.0536% | 6,642 |
| Memoranda: | ||
| Average total assets | $62,627,250 | 6,015 |
| Average earning assets | $58,670,250 | 5,950 |
| Average equity | $4,892,750 | 6,526 |
| Average total loans | $47,825,500 | 5,392 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8669% | 626 |
| Cost of funding earning assets | 1.3269% | 1,784 |
| Net interest margin | 4.5400% | 1,034 |
| Noninterest income to average assets | 0.4949% | 3,907 |
| Noninterest expense to average assets | 3.9333% | 1,139 |
| Loan and lease loss provision to assets | 0.3907% | 2,462 |
| Net operating income to assets | 0.4265% | 4,829 |
| Return on assets (ROA) | 0.4265% | 4,977 |
| Pretax return on assets | 0.4265% | 5,311 |
| Return on Equity (ROE) | 5.4308% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.4308% | 2,724 |
| Net charge-offs to loans | 0.0816% | 4,825 |
| Credit loss provision to net charge-offs | 631.5789% | 495 |
| Earnings coverage of net charge-offs (x) | 13.2105% | 1,566 |
| Efficiency ratio | 82.7964% | 1,980 |
| Assets per employee ($millions) | 2.7431% | 6,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 4,358 |
| Loan loss allowance to noncurrent loans | 63.0435% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.7498% | 3,575 |
| Noncurrent loans to loans | 2.2959% | 3,106 |
| Net loans and leases to total assets | 75.1109% | 1,225 |
| Net loans and leases to deposits | 86.3848% | 1,734 |
| Net loans and leases to core deposits | 97.0211% | 1,578 |
| Total domestic deposits to total assets | 86.9492% | 2,769 |
| Equity capital to assets | 7.8219% | 6,792 |
| Core capital (leverage) ratio | 7.9318% | 6,379 |
| Tier 1 risk-based capital ratio | 8.8833% | 7,189 |
| Total risk-based capital ratio | 10.1506% | 7,185 |
| Memoranda: | ||
| Average total assets | $61,425,000 | 6,092 |
| Average earning assets | $57,577,670 | 6,037 |
| Average equity | $4,824,330 | 6,588 |
| Average total loans | $46,550,670 | 5,497 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8278% | 701 |
| Cost of funding earning assets | 1.4113% | 1,553 |
| Net interest margin | 4.4165% | 1,242 |
| Noninterest income to average assets | 0.5677% | 3,385 |
| Noninterest expense to average assets | 3.9477% | 1,104 |
| Loan and lease loss provision to assets | 0.3961% | 2,213 |
| Net operating income to assets | 0.3763% | 5,042 |
| Return on assets (ROA) | 0.3763% | 5,124 |
| Pretax return on assets | 0.3763% | 5,409 |
| Return on Equity (ROE) | 4.7809% | 4,511 |
| Retained earnings to average equity (ytd only) | 4.7809% | 3,316 |
| Net charge-offs to loans | -0.0524% | 6,901 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6364% | 1,998 |
| Assets per employee ($millions) | 2.6188% | 6,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 4,536 |
| Loan loss allowance to noncurrent loans | 73.2004% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.4992% | 4,002 |
| Noncurrent loans to loans | 1.9487% | 3,640 |
| Net loans and leases to total assets | 75.8338% | 1,051 |
| Net loans and leases to deposits | 84.3185% | 1,977 |
| Net loans and leases to core deposits | 99.9803% | 1,337 |
| Total domestic deposits to total assets | 89.9374% | 1,183 |
| Equity capital to assets | 7.9691% | 6,528 |
| Core capital (leverage) ratio | 7.7706% | 6,489 |
| Tier 1 risk-based capital ratio | 9.2107% | 7,196 |
| Total risk-based capital ratio | 10.4780% | 7,196 |
| Memoranda: | ||
| Average total assets | $60,591,500 | 6,166 |
| Average earning assets | $56,968,500 | 6,103 |
| Average equity | $4,769,000 | 6,626 |
| Average total loans | $45,783,500 | 5,569 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0009% | 847 |
| Cost of funding earning assets | 1.5636% | 2,281 |
| Net interest margin | 4.4373% | 1,381 |
| Noninterest income to average assets | 0.6054% | 3,442 |
| Noninterest expense to average assets | 4.0736% | 1,060 |
| Loan and lease loss provision to assets | 0.3395% | 4,113 |
| Net operating income to assets | 0.3187% | 4,871 |
| Return on assets (ROA) | 0.3187% | 5,036 |
| Pretax return on assets | 0.3187% | 5,181 |
| Return on Equity (ROE) | 4.0158% | 4,515 |
| Retained earnings to average equity (ytd only) | 4.0158% | 3,053 |
| Net charge-offs to loans | 0.2509% | 4,786 |
| Credit loss provision to net charge-offs | 174.7573% | 1,915 |
| Earnings coverage of net charge-offs (x) | 3.3883% | 3,388 |
| Efficiency ratio | 86.0901% | 1,688 |
| Assets per employee ($millions) | 2.5396% | 6,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,921 |
| Loan loss allowance to noncurrent loans | 121.4286% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 5,396 |
| Noncurrent loans to loans | 1.0834% | 4,923 |
| Net loans and leases to total assets | 73.2305% | 1,820 |
| Net loans and leases to deposits | 84.8926% | 2,300 |
| Net loans and leases to core deposits | 103.6265% | 1,336 |
| Total domestic deposits to total assets | 86.2625% | 3,222 |
| Equity capital to assets | 7.7736% | 6,690 |
| Core capital (leverage) ratio | 8.0364% | 6,142 |
| Tier 1 risk-based capital ratio | 9.6497% | 7,091 |
| Total risk-based capital ratio | 10.8593% | 7,114 |
| Memoranda: | ||
| Average total assets | $53,025,000 | 6,429 |
| Average earning assets | $49,309,400 | 6,395 |
| Average equity | $4,208,400 | 6,914 |
| Average total loans | $41,050,800 | 5,882 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1062% | 752 |
| Cost of funding earning assets | 1.5900% | 2,443 |
| Net interest margin | 4.5163% | 1,223 |
| Noninterest income to average assets | 0.5407% | 3,856 |
| Noninterest expense to average assets | 4.2028% | 822 |
| Loan and lease loss provision to assets | 0.3135% | 4,074 |
| Net operating income to assets | 0.2090% | 5,485 |
| Return on assets (ROA) | 0.2090% | 5,647 |
| Pretax return on assets | 0.2090% | 5,709 |
| Return on Equity (ROE) | 2.6168% | 5,382 |
| Retained earnings to average equity (ytd only) | 2.6168% | 4,586 |
| Net charge-offs to loans | 0.1833% | 4,857 |
| Credit loss provision to net charge-offs | 218.1818% | 1,584 |
| Earnings coverage of net charge-offs (x) | 3.6364% | 3,362 |
| Efficiency ratio | 88.9442% | 1,373 |
| Assets per employee ($millions) | 2.1912% | 7,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,699 |
| Loan loss allowance to noncurrent loans | 167.0487% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6791% | 5,757 |
| Noncurrent loans to loans | 0.8101% | 5,597 |
| Net loans and leases to total assets | 77.5808% | 1,111 |
| Net loans and leases to deposits | 91.0002% | 1,580 |
| Net loans and leases to core deposits | 108.3718% | 1,132 |
| Total domestic deposits to total assets | 85.2535% | 3,489 |
| Equity capital to assets | 7.9647% | 6,826 |
| Core capital (leverage) ratio | 8.1595% | 6,097 |
| Tier 1 risk-based capital ratio | 10.6587% | 6,666 |
| Total risk-based capital ratio | 11.9290% | 6,636 |
| Memoranda: | ||
| Average total assets | $51,043,750 | 6,572 |
| Average earning assets | $47,294,750 | 6,542 |
| Average equity | $4,076,000 | 7,061 |
| Average total loans | $40,006,250 | 6,004 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0685% | 811 |
| Cost of funding earning assets | 1.6223% | 2,534 |
| Net interest margin | 4.4462% | 1,328 |
| Noninterest income to average assets | 0.5342% | 3,840 |
| Noninterest expense to average assets | 4.1166% | 905 |
| Loan and lease loss provision to assets | 0.3012% | 3,984 |
| Net operating income to assets | 0.2329% | 5,446 |
| Return on assets (ROA) | 0.2329% | 5,583 |
| Pretax return on assets | 0.2329% | 5,696 |
| Return on Equity (ROE) | 2.9143% | 5,268 |
| Retained earnings to average equity (ytd only) | 2.9143% | 4,282 |
| Net charge-offs to loans | 0.2976% | 3,837 |
| Credit loss provision to net charge-offs | 129.3103% | 3,113 |
| Earnings coverage of net charge-offs (x) | 2.2931% | 3,856 |
| Efficiency ratio | 88.5147% | 1,459 |
| Assets per employee ($millions) | 2.1539% | 7,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 4,758 |
| Loan loss allowance to noncurrent loans | 135.7868% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.7622% | 5,596 |
| Noncurrent loans to loans | 0.9812% | 5,342 |
| Net loans and leases to total assets | 76.6414% | 1,360 |
| Net loans and leases to deposits | 90.4172% | 1,785 |
| Net loans and leases to core deposits | 111.1052% | 1,091 |
| Total domestic deposits to total assets | 84.7642% | 3,745 |
| Equity capital to assets | 8.0377% | 6,716 |
| Core capital (leverage) ratio | 8.0923% | 6,135 |
| Tier 1 risk-based capital ratio | 9.7286% | 7,173 |
| Total risk-based capital ratio | 10.9836% | 7,161 |
| Memoranda: | ||
| Average total assets | $49,798,670 | 6,656 |
| Average earning assets | $46,107,000 | 6,630 |
| Average equity | $3,980,330 | 7,131 |
| Average total loans | $38,981,330 | 6,088 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0579% | 868 |
| Cost of funding earning assets | 1.6409% | 2,703 |
| Net interest margin | 4.4170% | 1,344 |
| Noninterest income to average assets | 0.5404% | 3,725 |
| Noninterest expense to average assets | 4.0777% | 932 |
| Loan and lease loss provision to assets | 0.3275% | 3,440 |
| Net operating income to assets | 0.2129% | 5,636 |
| Return on assets (ROA) | 0.2129% | 5,758 |
| Pretax return on assets | 0.2129% | 5,839 |
| Return on Equity (ROE) | 2.6715% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.6715% | 4,545 |
| Net charge-offs to loans | 0.0625% | 4,791 |
| Credit loss provision to net charge-offs | 666.6667% | 658 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,689 |
| Efficiency ratio | 88.2979% | 1,561 |
| Assets per employee ($millions) | 2.3304% | 7,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 4,292 |
| Loan loss allowance to noncurrent loans | 111.7409% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 5,228 |
| Noncurrent loans to loans | 1.2758% | 4,849 |
| Net loans and leases to total assets | 74.4485% | 1,875 |
| Net loans and leases to deposits | 87.6220% | 2,296 |
| Net loans and leases to core deposits | 106.1754% | 1,562 |
| Total domestic deposits to total assets | 84.9656% | 3,692 |
| Equity capital to assets | 7.8254% | 6,825 |
| Core capital (leverage) ratio | 8.1902% | 5,924 |
| Tier 1 risk-based capital ratio | 9.2495% | 7,410 |
| Total risk-based capital ratio | 10.5215% | 7,400 |
| Memoranda: | ||
| Average total assets | $48,851,000 | 6,769 |
| Average earning assets | $45,098,500 | 6,738 |
| Average equity | $3,893,000 | 7,220 |
| Average total loans | $38,395,000 | 6,196 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6721% | 494 |
| Cost of funding earning assets | 1.9666% | 3,114 |
| Net interest margin | 4.7055% | 824 |
| Noninterest income to average assets | 0.5964% | 3,656 |
| Noninterest expense to average assets | 4.1164% | 1,204 |
| Loan and lease loss provision to assets | 0.4382% | 4,201 |
| Net operating income to assets | 0.3286% | 4,420 |
| Return on assets (ROA) | 0.3432% | 4,451 |
| Pretax return on assets | 0.3432% | 4,659 |
| Return on Equity (ROE) | 4.2657% | 3,976 |
| Retained earnings to average equity (ytd only) | 4.2657% | 2,240 |
| Net charge-offs to loans | 0.0417% | 6,692 |
| Credit loss provision to net charge-offs | 1,285.7143% | 235 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 962 |
| Efficiency ratio | 84.2971% | 2,313 |
| Assets per employee ($millions) | 2.2111% | 7,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 4,430 |
| Loan loss allowance to noncurrent loans | 128.2178% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 5,374 |
| Noncurrent loans to loans | 1.0612% | 5,200 |
| Net loans and leases to total assets | 80.8714% | 854 |
| Net loans and leases to deposits | 96.3464% | 1,291 |
| Net loans and leases to core deposits | 147.0685% | 588 |
| Total domestic deposits to total assets | 83.9381% | 4,051 |
| Equity capital to assets | 8.1278% | 6,431 |
| Core capital (leverage) ratio | 8.5512% | 5,193 |
| Tier 1 risk-based capital ratio | 9.0405% | 7,455 |
| Total risk-based capital ratio | 10.2834% | 7,473 |
| Memoranda: | ||
| Average total assets | $41,079,400 | 7,048 |
| Average earning assets | $37,424,600 | 7,034 |
| Average equity | $3,305,400 | 7,501 |
| Average total loans | $33,595,800 | 6,422 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7156% | 496 |
| Cost of funding earning assets | 1.9639% | 3,548 |
| Net interest margin | 4.7516% | 754 |
| Noninterest income to average assets | 0.6073% | 3,637 |
| Noninterest expense to average assets | 4.2239% | 1,008 |
| Loan and lease loss provision to assets | 0.4529% | 3,651 |
| Net operating income to assets | 0.2650% | 4,929 |
| Return on assets (ROA) | 0.2650% | 5,026 |
| Pretax return on assets | 0.2650% | 5,152 |
| Return on Equity (ROE) | 3.3037% | 4,663 |
| Retained earnings to average equity (ytd only) | 3.3037% | 3,464 |
| Net charge-offs to loans | -0.0205% | 7,766 |
| Credit loss provision to net charge-offs | -2,700.0000% | 7,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4718% | 2,128 |
| Assets per employee ($millions) | 1.9845% | 7,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 4,174 |
| Loan loss allowance to noncurrent loans | 97.2332% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 1.2142% | 4,644 |
| Noncurrent loans to loans | 1.3950% | 4,582 |
| Net loans and leases to total assets | 85.8572% | 354 |
| Net loans and leases to deposits | 106.2097% | 642 |
| Net loans and leases to core deposits | 155.4479% | 468 |
| Total domestic deposits to total assets | 80.8374% | 5,141 |
| Equity capital to assets | 8.9238% | 5,603 |
| Core capital (leverage) ratio | 8.9523% | 4,723 |
| Tier 1 risk-based capital ratio | 11.0170% | 5,935 |
| Total risk-based capital ratio | 12.2982% | 5,858 |
| Memoranda: | ||
| Average total assets | $39,741,000 | 7,163 |
| Average earning assets | $36,253,250 | 7,150 |
| Average equity | $3,188,250 | 7,606 |
| Average total loans | $32,477,500 | 6,537 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5308% | 767 |
| Cost of funding earning assets | 2.1134% | 3,208 |
| Net interest margin | 4.4174% | 1,371 |
| Noninterest income to average assets | 0.4911% | 4,521 |
| Noninterest expense to average assets | 4.1436% | 1,138 |
| Loan and lease loss provision to assets | 0.4604% | 3,224 |
| Net operating income to assets | -0.0818% | 5,980 |
| Return on assets (ROA) | -0.0818% | 6,037 |
| Pretax return on assets | -0.0818% | 5,977 |
| Return on Equity (ROE) | -1.0627% | 6,078 |
| Retained earnings to average equity (ytd only) | -1.0627% | 5,502 |
| Net charge-offs to loans | -0.0256% | 7,745 |
| Credit loss provision to net charge-offs | -2,250.0000% | 7,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6290% | 1,670 |
| Assets per employee ($millions) | 2.1410% | 7,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 4,091 |
| Loan loss allowance to noncurrent loans | 86.4341% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.2685% | 4,400 |
| Noncurrent loans to loans | 1.5399% | 4,190 |
| Net loans and leases to total assets | 81.2778% | 1,088 |
| Net loans and leases to deposits | 99.2346% | 1,365 |
| Net loans and leases to core deposits | 144.6009% | 814 |
| Total domestic deposits to total assets | 81.9047% | 4,727 |
| Equity capital to assets | 8.8891% | 5,469 |
| Core capital (leverage) ratio | 8.7750% | 4,973 |
| Tier 1 risk-based capital ratio | 11.5500% | 5,335 |
| Total risk-based capital ratio | 12.8007% | 5,263 |
| Memoranda: | ||
| Average total assets | $39,096,330 | 7,254 |
| Average earning assets | $35,677,000 | 7,234 |
| Average equity | $3,011,330 | 7,728 |
| Average total loans | $31,212,330 | 6,658 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5619% | 766 |
| Cost of funding earning assets | 2.2179% | 3,072 |
| Net interest margin | 4.3440% | 1,480 |
| Noninterest income to average assets | 0.4490% | 4,782 |
| Noninterest expense to average assets | 4.1352% | 1,020 |
| Loan and lease loss provision to assets | 0.4699% | 2,597 |
| Net operating income to assets | -0.2089% | 6,567 |
| Return on assets (ROA) | -0.2089% | 6,650 |
| Pretax return on assets | -0.2089% | 6,584 |
| Return on Equity (ROE) | -2.9531% | 6,770 |
| Retained earnings to average equity (ytd only) | -2.9531% | 6,270 |
| Net charge-offs to loans | -0.1064% | 7,893 |
| Credit loss provision to net charge-offs | -562.5000% | 6,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0618% | 1,427 |
| Assets per employee ($millions) | 1.9185% | 7,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 3,902 |
| Loan loss allowance to noncurrent loans | 99.2647% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 4,667 |
| Noncurrent loans to loans | 1.3425% | 4,303 |
| Net loans and leases to total assets | 74.4248% | 2,644 |
| Net loans and leases to deposits | 88.7235% | 3,151 |
| Net loans and leases to core deposits | 128.5641% | 1,740 |
| Total domestic deposits to total assets | 83.8839% | 3,758 |
| Equity capital to assets | 6.8207% | 7,758 |
| Core capital (leverage) ratio | 7.0999% | 7,560 |
| Tier 1 risk-based capital ratio | 9.4521% | 7,466 |
| Total risk-based capital ratio | 10.7053% | 7,415 |
| Memoranda: | ||
| Average total assets | $38,305,000 | 7,324 |
| Average earning assets | $34,807,000 | 7,313 |
| Average equity | $2,709,000 | 7,870 |
| Average total loans | $30,064,000 | 6,759 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2755% | 625 |
| Cost of funding earning assets | 2.9751% | 1,963 |
| Net interest margin | 4.3004% | 1,971 |
| Noninterest income to average assets | 0.3473% | 5,961 |
| Noninterest expense to average assets | 4.9952% | 623 |
| Loan and lease loss provision to assets | 0.5436% | 2,649 |
| Net operating income to assets | -1.3892% | 7,424 |
| Return on assets (ROA) | -1.3892% | 7,369 |
| Pretax return on assets | -1.3892% | 7,212 |
| Return on Equity (ROE) | -18.2786% | 7,721 |
| Retained earnings to average equity (ytd only) | -23.6430% | 7,779 |
| Net charge-offs to loans | 0.4427% | 2,610 |
| Credit loss provision to net charge-offs | 157.8947% | 3,290 |
| Earnings coverage of net charge-offs (x) | -2.4561% | 6,734 |
| Efficiency ratio | 120.3785% | 568 |
| Assets per employee ($millions) | 1.8161% | 8,034 |
| Cash dividends to net income (ytd only)* | -29.3478% | 7,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 4,676 |
| Loan loss allowance to noncurrent loans | 111.0410% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.8728% | 4,670 |
| Noncurrent loans to loans | 1.0660% | 4,442 |
| Net loans and leases to total assets | 80.9064% | 1,466 |
| Net loans and leases to deposits | 98.3764% | 2,072 |
| Net loans and leases to core deposits | 141.8723% | 1,167 |
| Total domestic deposits to total assets | 82.2417% | 4,103 |
| Equity capital to assets | 7.3511% | 7,509 |
| Core capital (leverage) ratio | 7.2551% | 7,467 |
| Tier 1 risk-based capital ratio | 9.3918% | 7,416 |
| Total risk-based capital ratio | 10.6351% | 7,356 |
| Memoranda: | ||
| Average total assets | $33,111,800 | 7,503 |
| Average earning assets | $29,276,400 | 7,554 |
| Average equity | $2,516,600 | 7,979 |
| Average total loans | $25,750,600 | 6,984 |