Home > FNB New Mexico > Performance and Condition Ratios
FNB New Mexico, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6370% | 463 |
| Cost of funding earning assets | 0.9561% | 1,966 |
| Net interest margin | 4.6809% | 516 |
| Noninterest income to average assets | 0.7658% | 1,537 |
| Noninterest expense to average assets | 5.1063% | 198 |
| Loan and lease loss provision to assets | 0.0702% | 2,473 |
| Net operating income to assets | -0.2404% | 5,109 |
| Return on assets (ROA) | -0.1278% | 5,097 |
| Pretax return on assets | -0.1278% | 5,092 |
| Return on Equity (ROE) | -1.3510% | 5,105 |
| Retained earnings to average equity (ytd only) | -10.0435% | 5,144 |
| Net charge-offs to loans | 0.0653% | 1,888 |
| Credit loss provision to net charge-offs | 145.6522% | 1,670 |
| Earnings coverage of net charge-offs (x) | -3.5327% | 3,413 |
| Efficiency ratio | 103.3217% | 128 |
| Assets per employee ($millions) | 3.7988% | 4,165 |
| Cash dividends to net income (ytd only)* | -643.4328% | 5,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,210 |
| Loan loss allowance to noncurrent loans | 117.2380% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.0814% | 1,215 |
| Noncurrent loans to loans | 1.0702% | 1,487 |
| Net loans and leases to total assets | 76.3969% | 1,415 |
| Net loans and leases to deposits | 85.6527% | 2,240 |
| Net loans and leases to core deposits | 90.3065% | 2,523 |
| Total domestic deposits to total assets | 89.1939% | 557 |
| Equity capital to assets | 9.4895% | 4,466 |
| Core capital (leverage) ratio | 8.9445% | 4,674 |
| Tier 1 risk-based capital ratio | 11.6756% | 4,578 |
| Total risk-based capital ratio | 12.8890% | 4,500 |
| Memoranda: | ||
| Average total assets | $254,529,500 | 2,450 |
| Average earning assets | $226,758,250 | 2,514 |
| Average equity | $24,081,250 | 2,800 |
| Average total loans | $187,864,250 | 2,276 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5092% | 562 |
| Cost of funding earning assets | 0.9286% | 2,015 |
| Net interest margin | 4.5806% | 644 |
| Noninterest income to average assets | 0.7486% | 1,529 |
| Noninterest expense to average assets | 3.5706% | 881 |
| Loan and lease loss provision to assets | 0.0906% | 2,039 |
| Net operating income to assets | 1.1969% | 2,161 |
| Return on assets (ROA) | 1.1946% | 2,229 |
| Pretax return on assets | 1.1946% | 2,922 |
| Return on Equity (ROE) | 12.6382% | 1,356 |
| Retained earnings to average equity (ytd only) | 3.9151% | 3,292 |
| Net charge-offs to loans | 0.0533% | 1,880 |
| Credit loss provision to net charge-offs | 234.0000% | 1,077 |
| Earnings coverage of net charge-offs (x) | 33.2600% | 1,388 |
| Efficiency ratio | 73.3705% | 1,721 |
| Assets per employee ($millions) | 3.8424% | 4,070 |
| Cash dividends to net income (ytd only)* | 69.0214% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,434 |
| Loan loss allowance to noncurrent loans | 613.1105% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 2,991 |
| Noncurrent loans to loans | 0.1985% | 3,838 |
| Net loans and leases to total assets | 73.0116% | 2,056 |
| Net loans and leases to deposits | 88.4949% | 1,940 |
| Net loans and leases to core deposits | 92.6319% | 2,354 |
| Total domestic deposits to total assets | 82.5037% | 3,371 |
| Equity capital to assets | 9.6057% | 4,309 |
| Core capital (leverage) ratio | 9.5556% | 4,096 |
| Tier 1 risk-based capital ratio | 12.0042% | 4,413 |
| Total risk-based capital ratio | 13.1577% | 4,351 |
| Memoranda: | ||
| Average total assets | $258,332,330 | 2,432 |
| Average earning assets | $231,758,000 | 2,486 |
| Average equity | $24,418,000 | 2,775 |
| Average total loans | $187,786,670 | 2,276 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4683% | 552 |
| Cost of funding earning assets | 0.8755% | 2,121 |
| Net interest margin | 4.5928% | 616 |
| Noninterest income to average assets | 0.6904% | 1,645 |
| Noninterest expense to average assets | 3.5146% | 952 |
| Loan and lease loss provision to assets | 0.1365% | 1,269 |
| Net operating income to assets | 1.1548% | 2,244 |
| Return on assets (ROA) | 1.1501% | 2,319 |
| Pretax return on assets | 1.1501% | 2,976 |
| Return on Equity (ROE) | 12.2711% | 1,444 |
| Retained earnings to average equity (ytd only) | 4.1518% | 3,258 |
| Net charge-offs to loans | 0.0196% | 2,063 |
| Credit loss provision to net charge-offs | 966.6667% | 387 |
| Earnings coverage of net charge-offs (x) | 91.4444% | 709 |
| Efficiency ratio | 73.0003% | 1,884 |
| Assets per employee ($millions) | 3.7636% | 4,251 |
| Cash dividends to net income (ytd only)* | 66.1664% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,129 |
| Loan loss allowance to noncurrent loans | 4,061.0169% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 3,565 |
| Noncurrent loans to loans | 0.0318% | 4,632 |
| Net loans and leases to total assets | 71.5603% | 2,241 |
| Net loans and leases to deposits | 82.4324% | 2,571 |
| Net loans and leases to core deposits | 86.6800% | 2,808 |
| Total domestic deposits to total assets | 86.8109% | 1,906 |
| Equity capital to assets | 9.5165% | 4,243 |
| Core capital (leverage) ratio | 9.8109% | 3,806 |
| Tier 1 risk-based capital ratio | 12.5031% | 4,167 |
| Total risk-based capital ratio | 13.7214% | 4,053 |
| Memoranda: | ||
| Average total assets | $254,936,000 | 2,480 |
| Average earning assets | $228,445,000 | 2,531 |
| Average equity | $23,893,500 | 2,814 |
| Average total loans | $183,701,500 | 2,327 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3716% | 505 |
| Cost of funding earning assets | 0.6589% | 2,333 |
| Net interest margin | 4.7128% | 473 |
| Noninterest income to average assets | 0.7135% | 1,797 |
| Noninterest expense to average assets | 3.5401% | 947 |
| Loan and lease loss provision to assets | 0.1648% | 1,231 |
| Net operating income to assets | 1.2294% | 2,050 |
| Return on assets (ROA) | 1.2294% | 2,042 |
| Pretax return on assets | 1.2294% | 2,779 |
| Return on Equity (ROE) | 13.4417% | 1,200 |
| Retained earnings to average equity (ytd only) | 5.7075% | 2,353 |
| Net charge-offs to loans | 0.0348% | 2,708 |
| Credit loss provision to net charge-offs | 648.3871% | 532 |
| Earnings coverage of net charge-offs (x) | 54.8387% | 1,082 |
| Efficiency ratio | 71.6114% | 1,956 |
| Assets per employee ($millions) | 3.8477% | 4,106 |
| Cash dividends to net income (ytd only)* | 57.5384% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 2,170 |
| Loan loss allowance to noncurrent loans | 2,971.7949% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 3,489 |
| Noncurrent loans to loans | 0.0429% | 4,563 |
| Net loans and leases to total assets | 70.7031% | 2,459 |
| Net loans and leases to deposits | 78.5363% | 3,104 |
| Net loans and leases to core deposits | 82.1220% | 3,252 |
| Total domestic deposits to total assets | 90.0259% | 469 |
| Equity capital to assets | 9.2271% | 4,384 |
| Core capital (leverage) ratio | 9.7279% | 3,878 |
| Tier 1 risk-based capital ratio | 12.5956% | 4,078 |
| Total risk-based capital ratio | 13.7955% | 3,983 |
| Memoranda: | ||
| Average total assets | $243,864,400 | 2,517 |
| Average earning assets | $218,406,800 | 2,574 |
| Average equity | $22,303,800 | 2,880 |
| Average total loans | $177,957,200 | 2,349 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3463% | 484 |
| Cost of funding earning assets | 0.5999% | 2,477 |
| Net interest margin | 4.7464% | 425 |
| Noninterest income to average assets | 0.7116% | 1,828 |
| Noninterest expense to average assets | 3.5760% | 889 |
| Loan and lease loss provision to assets | 0.2221% | 740 |
| Net operating income to assets | 1.1618% | 2,402 |
| Return on assets (ROA) | 1.1618% | 2,407 |
| Pretax return on assets | 1.1618% | 3,153 |
| Return on Equity (ROE) | 12.7325% | 1,527 |
| Retained earnings to average equity (ytd only) | 2.2886% | 4,472 |
| Net charge-offs to loans | 0.0354% | 2,378 |
| Credit loss provision to net charge-offs | 855.3191% | 465 |
| Earnings coverage of net charge-offs (x) | 53.2938% | 1,132 |
| Efficiency ratio | 71.9648% | 1,883 |
| Assets per employee ($millions) | 3.9976% | 3,890 |
| Cash dividends to net income (ytd only)* | 82.0256% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,296 |
| Loan loss allowance to noncurrent loans | 3,824.5902% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 3,608 |
| Noncurrent loans to loans | 0.0330% | 4,746 |
| Net loans and leases to total assets | 72.4071% | 2,270 |
| Net loans and leases to deposits | 86.0451% | 2,360 |
| Net loans and leases to core deposits | 88.9152% | 2,753 |
| Total domestic deposits to total assets | 84.1502% | 2,890 |
| Equity capital to assets | 8.7762% | 4,732 |
| Core capital (leverage) ratio | 9.3993% | 4,279 |
| Tier 1 risk-based capital ratio | 11.9470% | 4,529 |
| Total risk-based capital ratio | 13.1360% | 4,440 |
| Memoranda: | ||
| Average total assets | $241,343,500 | 2,546 |
| Average earning assets | $216,020,000 | 2,604 |
| Average equity | $22,021,750 | 2,915 |
| Average total loans | $176,979,750 | 2,370 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2457% | 515 |
| Cost of funding earning assets | 0.4887% | 3,103 |
| Net interest margin | 4.7570% | 383 |
| Noninterest income to average assets | 0.7072% | 1,846 |
| Noninterest expense to average assets | 3.6159% | 853 |
| Loan and lease loss provision to assets | 0.2640% | 578 |
| Net operating income to assets | 1.0999% | 2,582 |
| Return on assets (ROA) | 1.0999% | 2,590 |
| Pretax return on assets | 1.0999% | 3,316 |
| Return on Equity (ROE) | 11.8938% | 1,761 |
| Retained earnings to average equity (ytd only) | 4.3465% | 3,429 |
| Net charge-offs to loans | 0.0539% | 1,834 |
| Credit loss provision to net charge-offs | 668.0851% | 577 |
| Earnings coverage of net charge-offs (x) | 34.5106% | 1,396 |
| Efficiency ratio | 72.4755% | 1,923 |
| Assets per employee ($millions) | 3.7943% | 4,219 |
| Cash dividends to net income (ytd only)* | 63.4557% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,460 |
| Loan loss allowance to noncurrent loans | 3,680.3279% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 3,659 |
| Noncurrent loans to loans | 0.0338% | 4,764 |
| Net loans and leases to total assets | 73.3489% | 2,065 |
| Net loans and leases to deposits | 88.2914% | 2,075 |
| Net loans and leases to core deposits | 91.4646% | 2,442 |
| Total domestic deposits to total assets | 83.0760% | 3,391 |
| Equity capital to assets | 9.3194% | 4,265 |
| Core capital (leverage) ratio | 9.8628% | 3,721 |
| Tier 1 risk-based capital ratio | 12.3195% | 4,297 |
| Total risk-based capital ratio | 13.4949% | 4,225 |
| Memoranda: | ||
| Average total assets | $237,841,000 | 2,579 |
| Average earning assets | $213,624,000 | 2,639 |
| Average equity | $21,994,670 | 2,925 |
| Average total loans | $174,409,330 | 2,402 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1755% | 515 |
| Cost of funding earning assets | 0.4481% | 3,210 |
| Net interest margin | 4.7273% | 392 |
| Noninterest income to average assets | 0.6799% | 1,910 |
| Noninterest expense to average assets | 3.5353% | 937 |
| Loan and lease loss provision to assets | 0.3569% | 336 |
| Net operating income to assets | 1.0368% | 2,705 |
| Return on assets (ROA) | 1.0368% | 2,722 |
| Pretax return on assets | 1.0368% | 3,404 |
| Return on Equity (ROE) | 11.2564% | 1,869 |
| Retained earnings to average equity (ytd only) | 2.6757% | 4,109 |
| Net charge-offs to loans | 0.1167% | 1,085 |
| Credit loss provision to net charge-offs | 420.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 16.4000% | 1,626 |
| Efficiency ratio | 71.5862% | 2,254 |
| Assets per employee ($millions) | 3.8848% | 4,170 |
| Cash dividends to net income (ytd only)* | 76.2295% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,624 |
| Loan loss allowance to noncurrent loans | 3,393.6508% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 3,557 |
| Noncurrent loans to loans | 0.0363% | 4,807 |
| Net loans and leases to total assets | 72.4001% | 2,108 |
| Net loans and leases to deposits | 80.5688% | 2,745 |
| Net loans and leases to core deposits | 83.6517% | 3,010 |
| Total domestic deposits to total assets | 89.8612% | 716 |
| Equity capital to assets | 9.4488% | 4,139 |
| Core capital (leverage) ratio | 9.7646% | 3,790 |
| Tier 1 risk-based capital ratio | 12.5642% | 4,204 |
| Total risk-based capital ratio | 13.7227% | 4,160 |
| Memoranda: | ||
| Average total assets | $235,342,500 | 2,625 |
| Average earning assets | $211,537,000 | 2,675 |
| Average equity | $21,676,500 | 2,980 |
| Average total loans | $171,432,000 | 2,454 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8848% | 824 |
| Cost of funding earning assets | 0.3465% | 3,745 |
| Net interest margin | 4.5383% | 566 |
| Noninterest income to average assets | 0.6927% | 1,998 |
| Noninterest expense to average assets | 3.4995% | 1,036 |
| Loan and lease loss provision to assets | 0.1483% | 1,531 |
| Net operating income to assets | 1.1344% | 1,738 |
| Return on assets (ROA) | 1.1427% | 1,742 |
| Pretax return on assets | 1.1427% | 3,014 |
| Return on Equity (ROE) | 13.0294% | 948 |
| Retained earnings to average equity (ytd only) | 4.8168% | 2,245 |
| Net charge-offs to loans | 0.0781% | 2,330 |
| Credit loss provision to net charge-offs | 275.6098% | 1,011 |
| Earnings coverage of net charge-offs (x) | 23.8455% | 1,788 |
| Efficiency ratio | 73.0316% | 2,058 |
| Assets per employee ($millions) | 3.7097% | 4,418 |
| Cash dividends to net income (ytd only)* | 63.0310% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,955 |
| Loan loss allowance to noncurrent loans | 644.2997% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 3,095 |
| Noncurrent loans to loans | 0.1815% | 4,193 |
| Net loans and leases to total assets | 71.5322% | 2,290 |
| Net loans and leases to deposits | 79.2972% | 2,995 |
| Net loans and leases to core deposits | 82.8715% | 3,162 |
| Total domestic deposits to total assets | 90.2076% | 496 |
| Equity capital to assets | 8.9691% | 4,753 |
| Core capital (leverage) ratio | 9.0793% | 4,549 |
| Tier 1 risk-based capital ratio | 11.6733% | 4,738 |
| Total risk-based capital ratio | 12.7697% | 4,736 |
| Memoranda: | ||
| Average total assets | $228,662,000 | 2,644 |
| Average earning assets | $206,046,800 | 2,713 |
| Average equity | $20,054,600 | 3,140 |
| Average total loans | $157,470,400 | 2,573 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 845 |
| Cost of funding earning assets | 0.3278% | 3,865 |
| Net interest margin | 4.5184% | 576 |
| Noninterest income to average assets | 0.6913% | 2,038 |
| Noninterest expense to average assets | 3.4869% | 1,014 |
| Loan and lease loss provision to assets | 0.1648% | 1,230 |
| Net operating income to assets | 1.1128% | 2,032 |
| Return on assets (ROA) | 1.1234% | 2,043 |
| Pretax return on assets | 1.1234% | 3,218 |
| Return on Equity (ROE) | 12.8840% | 1,086 |
| Retained earnings to average equity (ytd only) | 3.6917% | 3,731 |
| Net charge-offs to loans | 0.0578% | 2,299 |
| Credit loss provision to net charge-offs | 419.4030% | 743 |
| Earnings coverage of net charge-offs (x) | 32.5228% | 1,482 |
| Efficiency ratio | 73.0372% | 2,038 |
| Assets per employee ($millions) | 3.7021% | 4,447 |
| Cash dividends to net income (ytd only)* | 71.3466% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 2,768 |
| Loan loss allowance to noncurrent loans | 183.1325% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.8700% | 1,978 |
| Noncurrent loans to loans | 0.6696% | 2,697 |
| Net loans and leases to total assets | 69.3452% | 2,654 |
| Net loans and leases to deposits | 81.9448% | 2,783 |
| Net loans and leases to core deposits | 85.2908% | 3,027 |
| Total domestic deposits to total assets | 84.6242% | 2,874 |
| Equity capital to assets | 9.0350% | 4,884 |
| Core capital (leverage) ratio | 9.0404% | 4,698 |
| Tier 1 risk-based capital ratio | 11.8390% | 4,740 |
| Total risk-based capital ratio | 12.9722% | 4,696 |
| Memoranda: | ||
| Average total assets | $227,399,250 | 2,682 |
| Average earning assets | $204,993,000 | 2,740 |
| Average equity | $19,827,750 | 3,185 |
| Average total loans | $154,548,500 | 2,624 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 1,005 |
| Cost of funding earning assets | 0.2816% | 4,270 |
| Net interest margin | 4.4465% | 641 |
| Noninterest income to average assets | 0.7049% | 1,962 |
| Noninterest expense to average assets | 3.5061% | 997 |
| Loan and lease loss provision to assets | 0.1341% | 1,552 |
| Net operating income to assets | 1.0905% | 2,024 |
| Return on assets (ROA) | 1.0984% | 2,038 |
| Pretax return on assets | 1.0984% | 3,187 |
| Return on Equity (ROE) | 12.7533% | 1,100 |
| Retained earnings to average equity (ytd only) | 3.7184% | 3,487 |
| Net charge-offs to loans | 0.0118% | 3,042 |
| Credit loss provision to net charge-offs | 1,688.8889% | 242 |
| Earnings coverage of net charge-offs (x) | 154.2222% | 492 |
| Efficiency ratio | 73.9649% | 2,024 |
| Assets per employee ($millions) | 3.7044% | 4,427 |
| Cash dividends to net income (ytd only)* | 70.8434% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 3,051 |
| Loan loss allowance to noncurrent loans | 223.5915% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 2,369 |
| Noncurrent loans to loans | 0.5343% | 3,158 |
| Net loans and leases to total assets | 68.6052% | 2,724 |
| Net loans and leases to deposits | 84.9992% | 2,354 |
| Net loans and leases to core deposits | 88.9989% | 2,616 |
| Total domestic deposits to total assets | 80.7127% | 4,256 |
| Equity capital to assets | 8.9400% | 4,954 |
| Core capital (leverage) ratio | 9.0447% | 4,677 |
| Tier 1 risk-based capital ratio | 12.0694% | 4,592 |
| Total risk-based capital ratio | 13.1937% | 4,565 |
| Memoranda: | ||
| Average total assets | $226,689,000 | 2,709 |
| Average earning assets | $205,241,330 | 2,754 |
| Average equity | $19,524,330 | 3,212 |
| Average total loans | $152,350,000 | 2,656 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 1,086 |
| Cost of funding earning assets | 0.2551% | 4,496 |
| Net interest margin | 4.3674% | 675 |
| Noninterest income to average assets | 0.7158% | 1,888 |
| Noninterest expense to average assets | 3.5436% | 982 |
| Loan and lease loss provision to assets | 0.1101% | 1,738 |
| Net operating income to assets | 1.0160% | 2,239 |
| Return on assets (ROA) | 1.0160% | 2,292 |
| Pretax return on assets | 1.0160% | 3,298 |
| Return on Equity (ROE) | 12.0294% | 1,229 |
| Retained earnings to average equity (ytd only) | 0.6730% | 4,754 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7322% | 1,951 |
| Assets per employee ($millions) | 3.8206% | 4,315 |
| Cash dividends to net income (ytd only)* | 94.4056% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 3,111 |
| Loan loss allowance to noncurrent loans | 2,171.4286% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 3,587 |
| Noncurrent loans to loans | 0.0555% | 4,972 |
| Net loans and leases to total assets | 66.3675% | 2,919 |
| Net loans and leases to deposits | 75.5431% | 3,251 |
| Net loans and leases to core deposits | 80.0361% | 3,294 |
| Total domestic deposits to total assets | 87.8539% | 1,799 |
| Equity capital to assets | 8.5301% | 5,218 |
| Core capital (leverage) ratio | 9.1404% | 4,555 |
| Tier 1 risk-based capital ratio | 12.3867% | 4,457 |
| Total risk-based capital ratio | 13.5194% | 4,430 |
| Memoranda: | ||
| Average total assets | $225,196,000 | 2,748 |
| Average earning assets | $203,874,500 | 2,790 |
| Average equity | $19,020,000 | 3,288 |
| Average total loans | $148,788,000 | 2,711 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7293% | 1,008 |
| Cost of funding earning assets | 0.2552% | 4,520 |
| Net interest margin | 4.4741% | 656 |
| Noninterest income to average assets | 0.6800% | 2,261 |
| Noninterest expense to average assets | 3.5463% | 1,091 |
| Loan and lease loss provision to assets | 0.2284% | 950 |
| Net operating income to assets | 0.9182% | 2,730 |
| Return on assets (ROA) | 1.0659% | 2,164 |
| Pretax return on assets | 1.0659% | 3,235 |
| Return on Equity (ROE) | 11.3184% | 1,460 |
| Retained earnings to average equity (ytd only) | 5.8160% | 1,812 |
| Net charge-offs to loans | 0.2510% | 1,105 |
| Credit loss provision to net charge-offs | 139.1429% | 1,961 |
| Earnings coverage of net charge-offs (x) | 6.9857% | 3,090 |
| Efficiency ratio | 75.5171% | 2,064 |
| Assets per employee ($millions) | 3.8789% | 4,175 |
| Cash dividends to net income (ytd only)* | 48.6142% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 3,092 |
| Loan loss allowance to noncurrent loans | 1,894.6237% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 3,502 |
| Noncurrent loans to loans | 0.0636% | 4,984 |
| Net loans and leases to total assets | 64.1789% | 3,335 |
| Net loans and leases to deposits | 70.5814% | 3,848 |
| Net loans and leases to core deposits | 74.7123% | 3,861 |
| Total domestic deposits to total assets | 90.9289% | 303 |
| Equity capital to assets | 8.3617% | 5,381 |
| Core capital (leverage) ratio | 9.0078% | 4,736 |
| Tier 1 risk-based capital ratio | 12.7858% | 4,212 |
| Total risk-based capital ratio | 13.9167% | 4,170 |
| Memoranda: | ||
| Average total assets | $213,238,200 | 2,820 |
| Average earning assets | $191,255,600 | 2,882 |
| Average equity | $20,082,400 | 3,163 |
| Average total loans | $139,448,800 | 2,788 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7279% | 1,018 |
| Cost of funding earning assets | 0.2534% | 4,572 |
| Net interest margin | 4.4745% | 666 |
| Noninterest income to average assets | 0.6866% | 2,227 |
| Noninterest expense to average assets | 3.6030% | 992 |
| Loan and lease loss provision to assets | 0.2320% | 855 |
| Net operating income to assets | 0.8591% | 3,108 |
| Return on assets (ROA) | 1.0195% | 2,469 |
| Pretax return on assets | 1.0195% | 3,554 |
| Return on Equity (ROE) | 10.5096% | 1,861 |
| Retained earnings to average equity (ytd only) | 4.6927% | 3,025 |
| Net charge-offs to loans | 0.2613% | 897 |
| Credit loss provision to net charge-offs | 135.5556% | 1,914 |
| Earnings coverage of net charge-offs (x) | 6.3741% | 3,005 |
| Efficiency ratio | 76.7423% | 1,869 |
| Assets per employee ($millions) | 3.7318% | 4,417 |
| Cash dividends to net income (ytd only)* | 55.3483% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 3,221 |
| Loan loss allowance to noncurrent loans | 1,365.8730% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 3,566 |
| Noncurrent loans to loans | 0.0881% | 4,991 |
| Net loans and leases to total assets | 64.1986% | 3,372 |
| Net loans and leases to deposits | 72.0211% | 3,805 |
| Net loans and leases to core deposits | 76.1260% | 3,822 |
| Total domestic deposits to total assets | 89.1387% | 830 |
| Equity capital to assets | 9.4465% | 4,716 |
| Core capital (leverage) ratio | 9.0158% | 4,814 |
| Tier 1 risk-based capital ratio | 12.5827% | 4,427 |
| Total risk-based capital ratio | 13.6949% | 4,405 |
| Memoranda: | ||
| Average total assets | $210,303,000 | 2,864 |
| Average earning assets | $188,353,000 | 2,925 |
| Average equity | $20,400,000 | 3,155 |
| Average total loans | $137,773,250 | 2,815 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 1,031 |
| Cost of funding earning assets | 0.2440% | 4,719 |
| Net interest margin | 4.4663% | 660 |
| Noninterest income to average assets | 0.6985% | 2,149 |
| Noninterest expense to average assets | 3.6326% | 962 |
| Loan and lease loss provision to assets | 0.2270% | 905 |
| Net operating income to assets | 0.8347% | 3,155 |
| Return on assets (ROA) | 0.9584% | 2,736 |
| Pretax return on assets | 0.9584% | 3,751 |
| Return on Equity (ROE) | 9.7893% | 2,142 |
| Retained earnings to average equity (ytd only) | 5.2006% | 2,600 |
| Net charge-offs to loans | 0.3515% | 668 |
| Credit loss provision to net charge-offs | 98.3264% | 2,152 |
| Earnings coverage of net charge-offs (x) | 4.5983% | 2,970 |
| Efficiency ratio | 77.3822% | 1,872 |
| Assets per employee ($millions) | 3.4599% | 4,819 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 3,655 |
| Loan loss allowance to noncurrent loans | 1,183.2117% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 3,507 |
| Noncurrent loans to loans | 0.0971% | 5,063 |
| Net loans and leases to total assets | 65.0261% | 3,228 |
| Net loans and leases to deposits | 75.5597% | 3,433 |
| Net loans and leases to core deposits | 80.4506% | 3,418 |
| Total domestic deposits to total assets | 86.0592% | 2,393 |
| Equity capital to assets | 9.7695% | 4,488 |
| Core capital (leverage) ratio | 9.3697% | 4,374 |
| Tier 1 risk-based capital ratio | 12.6343% | 4,429 |
| Total risk-based capital ratio | 13.6942% | 4,473 |
| Memoranda: | ||
| Average total assets | $207,012,000 | 2,912 |
| Average earning assets | $185,210,330 | 2,985 |
| Average equity | $20,267,000 | 3,168 |
| Average total loans | $136,007,330 | 2,846 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6891% | 1,068 |
| Cost of funding earning assets | 0.2368% | 4,841 |
| Net interest margin | 4.4523% | 667 |
| Noninterest income to average assets | 0.7084% | 2,002 |
| Noninterest expense to average assets | 3.6977% | 898 |
| Loan and lease loss provision to assets | 0.3286% | 462 |
| Net operating income to assets | 0.6789% | 3,824 |
| Return on assets (ROA) | 0.9151% | 2,790 |
| Pretax return on assets | 0.9151% | 3,785 |
| Return on Equity (ROE) | 9.3364% | 2,269 |
| Retained earnings to average equity (ytd only) | 2.8110% | 4,112 |
| Net charge-offs to loans | 0.7523% | 275 |
| Credit loss provision to net charge-offs | 66.5339% | 1,931 |
| Earnings coverage of net charge-offs (x) | 2.0398% | 2,740 |
| Efficiency ratio | 78.5864% | 1,818 |
| Assets per employee ($millions) | 3.4303% | 4,918 |
| Cash dividends to net income (ytd only)* | 69.8925% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,853 |
| Loan loss allowance to noncurrent loans | 206.8456% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 2,622 |
| Noncurrent loans to loans | 0.5500% | 3,530 |
| Net loans and leases to total assets | 65.0636% | 3,097 |
| Net loans and leases to deposits | 72.6346% | 3,584 |
| Net loans and leases to core deposits | 76.6811% | 3,612 |
| Total domestic deposits to total assets | 89.5767% | 799 |
| Equity capital to assets | 9.7363% | 4,414 |
| Core capital (leverage) ratio | 9.4879% | 4,217 |
| Tier 1 risk-based capital ratio | 12.8872% | 4,333 |
| Total risk-based capital ratio | 13.9359% | 4,376 |
| Memoranda: | ||
| Average total assets | $203,261,000 | 2,952 |
| Average earning assets | $182,467,000 | 3,018 |
| Average equity | $19,922,000 | 3,210 |
| Average total loans | $133,455,500 | 2,882 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8219% | 890 |
| Cost of funding earning assets | 0.2075% | 5,220 |
| Net interest margin | 4.6144% | 526 |
| Noninterest income to average assets | 0.5932% | 2,753 |
| Noninterest expense to average assets | 3.6125% | 1,110 |
| Loan and lease loss provision to assets | 0.2105% | 995 |
| Net operating income to assets | 0.8899% | 2,928 |
| Return on assets (ROA) | 0.9468% | 2,706 |
| Pretax return on assets | 0.9468% | 3,663 |
| Return on Equity (ROE) | 9.9690% | 2,023 |
| Retained earnings to average equity (ytd only) | 3.6862% | 3,427 |
| Net charge-offs to loans | 0.1394% | 1,956 |
| Credit loss provision to net charge-offs | 226.0638% | 1,256 |
| Earnings coverage of net charge-offs (x) | 11.8191% | 2,523 |
| Efficiency ratio | 76.6523% | 2,170 |
| Assets per employee ($millions) | 3.2372% | 5,249 |
| Cash dividends to net income (ytd only)* | 63.0230% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 3,271 |
| Loan loss allowance to noncurrent loans | 236.5357% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 4,217 |
| Noncurrent loans to loans | 0.5226% | 3,601 |
| Net loans and leases to total assets | 64.6885% | 3,168 |
| Net loans and leases to deposits | 72.3747% | 3,678 |
| Net loans and leases to core deposits | 76.3647% | 3,723 |
| Total domestic deposits to total assets | 89.3799% | 921 |
| Equity capital to assets | 9.8677% | 4,118 |
| Core capital (leverage) ratio | 9.4551% | 4,242 |
| Tier 1 risk-based capital ratio | 13.1123% | 4,233 |
| Total risk-based capital ratio | 14.2308% | 4,241 |
| Memoranda: | ||
| Average total assets | $201,940,400 | 2,928 |
| Average earning assets | $180,282,600 | 2,998 |
| Average equity | $19,179,400 | 3,249 |
| Average total loans | $134,870,400 | 2,803 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8406% | 873 |
| Cost of funding earning assets | 0.2072% | 5,313 |
| Net interest margin | 4.6334% | 513 |
| Noninterest income to average assets | 0.7383% | 2,071 |
| Noninterest expense to average assets | 3.7029% | 970 |
| Loan and lease loss provision to assets | 0.2406% | 728 |
| Net operating income to assets | 0.9229% | 2,842 |
| Return on assets (ROA) | 0.9987% | 2,566 |
| Pretax return on assets | 0.9987% | 3,622 |
| Return on Equity (ROE) | 10.6185% | 1,854 |
| Retained earnings to average equity (ytd only) | 3.8549% | 3,727 |
| Net charge-offs to loans | 0.1778% | 1,412 |
| Credit loss provision to net charge-offs | 201.6575% | 1,322 |
| Earnings coverage of net charge-offs (x) | 9.7513% | 2,669 |
| Efficiency ratio | 76.0905% | 2,230 |
| Assets per employee ($millions) | 3.4836% | 4,818 |
| Cash dividends to net income (ytd only)* | 63.6961% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 3,779 |
| Loan loss allowance to noncurrent loans | 159.4320% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 3,865 |
| Noncurrent loans to loans | 0.7380% | 3,117 |
| Net loans and leases to total assets | 65.3506% | 3,101 |
| Net loans and leases to deposits | 77.1067% | 3,186 |
| Net loans and leases to core deposits | 81.6204% | 3,296 |
| Total domestic deposits to total assets | 84.7535% | 3,108 |
| Equity capital to assets | 9.7067% | 4,509 |
| Core capital (leverage) ratio | 9.2386% | 4,680 |
| Tier 1 risk-based capital ratio | 12.6694% | 4,632 |
| Total risk-based capital ratio | 13.7238% | 4,674 |
| Memoranda: | ||
| Average total assets | $202,249,250 | 2,946 |
| Average earning assets | $180,194,750 | 3,021 |
| Average equity | $19,023,000 | 3,294 |
| Average total loans | $135,723,500 | 2,804 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7853% | 916 |
| Cost of funding earning assets | 0.2041% | 5,402 |
| Net interest margin | 4.5813% | 545 |
| Noninterest income to average assets | 0.6831% | 2,288 |
| Noninterest expense to average assets | 3.6408% | 1,060 |
| Loan and lease loss provision to assets | 0.3114% | 474 |
| Net operating income to assets | 0.8363% | 3,190 |
| Return on assets (ROA) | 0.9500% | 2,753 |
| Pretax return on assets | 0.9500% | 3,773 |
| Return on Equity (ROE) | 10.2089% | 1,974 |
| Retained earnings to average equity (ytd only) | 3.4101% | 3,871 |
| Net charge-offs to loans | 0.2287% | 1,126 |
| Credit loss provision to net charge-offs | 201.9231% | 1,219 |
| Earnings coverage of net charge-offs (x) | 7.4423% | 2,668 |
| Efficiency ratio | 76.0322% | 2,348 |
| Assets per employee ($millions) | 3.2911% | 5,179 |
| Cash dividends to net income (ytd only)* | 66.5973% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 4,228 |
| Loan loss allowance to noncurrent loans | 164.5745% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 4,092 |
| Noncurrent loans to loans | 0.6802% | 3,445 |
| Net loans and leases to total assets | 66.9695% | 2,793 |
| Net loans and leases to deposits | 82.2019% | 2,528 |
| Net loans and leases to core deposits | 86.1352% | 2,752 |
| Total domestic deposits to total assets | 81.4696% | 4,455 |
| Equity capital to assets | 9.2900% | 4,904 |
| Core capital (leverage) ratio | 9.2182% | 4,665 |
| Tier 1 risk-based capital ratio | 12.3583% | 4,907 |
| Total risk-based capital ratio | 13.3829% | 4,955 |
| Memoranda: | ||
| Average total assets | $202,316,670 | 2,973 |
| Average earning assets | $181,304,000 | 3,035 |
| Average equity | $18,826,670 | 3,333 |
| Average total loans | $136,427,670 | 2,804 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7409% | 962 |
| Cost of funding earning assets | 0.2087% | 5,429 |
| Net interest margin | 4.5322% | 574 |
| Noninterest income to average assets | 0.6374% | 2,463 |
| Noninterest expense to average assets | 3.5304% | 1,244 |
| Loan and lease loss provision to assets | 0.5242% | 190 |
| Net operating income to assets | 0.6791% | 3,895 |
| Return on assets (ROA) | 0.9034% | 2,852 |
| Pretax return on assets | 0.9034% | 3,877 |
| Return on Equity (ROE) | 9.7005% | 2,130 |
| Retained earnings to average equity (ytd only) | 1.8122% | 4,742 |
| Net charge-offs to loans | 0.1594% | 1,312 |
| Credit loss provision to net charge-offs | 488.8889% | 565 |
| Earnings coverage of net charge-offs (x) | 11.2222% | 1,878 |
| Efficiency ratio | 74.5805% | 2,720 |
| Assets per employee ($millions) | 3.2772% | 5,279 |
| Cash dividends to net income (ytd only)* | 81.3187% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 4,146 |
| Loan loss allowance to noncurrent loans | 102.3703% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.7806% | 3,163 |
| Noncurrent loans to loans | 1.1426% | 2,489 |
| Net loans and leases to total assets | 66.4544% | 2,700 |
| Net loans and leases to deposits | 77.9605% | 2,807 |
| Net loans and leases to core deposits | 82.6646% | 2,896 |
| Total domestic deposits to total assets | 85.2411% | 3,289 |
| Equity capital to assets | 9.5243% | 4,719 |
| Core capital (leverage) ratio | 9.1196% | 4,826 |
| Tier 1 risk-based capital ratio | 12.2849% | 5,059 |
| Total risk-based capital ratio | 13.3501% | 5,081 |
| Memoranda: | ||
| Average total assets | $201,451,000 | 2,996 |
| Average earning assets | $182,073,500 | 3,045 |
| Average equity | $18,762,000 | 3,360 |
| Average total loans | $135,543,000 | 2,818 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 935 |
| Cost of funding earning assets | 0.2447% | 5,384 |
| Net interest margin | 4.6490% | 570 |
| Noninterest income to average assets | 0.7268% | 2,176 |
| Noninterest expense to average assets | 3.7375% | 1,084 |
| Loan and lease loss provision to assets | 0.1054% | 2,394 |
| Net operating income to assets | 1.0570% | 2,136 |
| Return on assets (ROA) | 1.0892% | 2,069 |
| Pretax return on assets | 1.0892% | 3,123 |
| Return on Equity (ROE) | 12.1602% | 1,368 |
| Retained earnings to average equity (ytd only) | 5.6686% | 2,153 |
| Net charge-offs to loans | 0.1149% | 2,884 |
| Credit loss provision to net charge-offs | 140.0000% | 1,693 |
| Earnings coverage of net charge-offs (x) | 15.4414% | 2,078 |
| Efficiency ratio | 76.2768% | 2,469 |
| Assets per employee ($millions) | 3.1206% | 5,530 |
| Cash dividends to net income (ytd only)* | 53.3842% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 4,892 |
| Loan loss allowance to noncurrent loans | 167.0277% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 4,434 |
| Noncurrent loans to loans | 0.6180% | 3,829 |
| Net loans and leases to total assets | 66.6316% | 2,787 |
| Net loans and leases to deposits | 76.3118% | 3,166 |
| Net loans and leases to core deposits | 81.9421% | 3,116 |
| Total domestic deposits to total assets | 87.3150% | 2,119 |
| Equity capital to assets | 9.0989% | 5,179 |
| Core capital (leverage) ratio | 8.8465% | 5,193 |
| Tier 1 risk-based capital ratio | 11.8110% | 5,485 |
| Total risk-based capital ratio | 12.7568% | 5,574 |
| Memoranda: | ||
| Average total assets | $192,617,200 | 3,075 |
| Average earning assets | $172,895,800 | 3,121 |
| Average equity | $17,253,000 | 3,492 |
| Average total loans | $126,145,400 | 2,939 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 871 |
| Cost of funding earning assets | 0.2506% | 5,402 |
| Net interest margin | 4.6825% | 522 |
| Noninterest income to average assets | 0.7601% | 2,047 |
| Noninterest expense to average assets | 3.7824% | 995 |
| Loan and lease loss provision to assets | 0.1104% | 2,206 |
| Net operating income to assets | 1.0577% | 2,207 |
| Return on assets (ROA) | 1.1004% | 2,093 |
| Pretax return on assets | 1.1004% | 3,185 |
| Return on Equity (ROE) | 12.3358% | 1,387 |
| Retained earnings to average equity (ytd only) | 5.2476% | 2,919 |
| Net charge-offs to loans | 0.1483% | 2,302 |
| Credit loss provision to net charge-offs | 114.4928% | 1,984 |
| Earnings coverage of net charge-offs (x) | 12.1157% | 2,347 |
| Efficiency ratio | 76.4042% | 2,427 |
| Assets per employee ($millions) | 2.8799% | 5,876 |
| Cash dividends to net income (ytd only)* | 57.4604% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 4,867 |
| Loan loss allowance to noncurrent loans | 161.0979% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 4,613 |
| Noncurrent loans to loans | 0.6655% | 3,947 |
| Net loans and leases to total assets | 64.5596% | 3,099 |
| Net loans and leases to deposits | 74.6578% | 3,347 |
| Net loans and leases to core deposits | 80.4358% | 3,263 |
| Total domestic deposits to total assets | 86.4740% | 2,601 |
| Equity capital to assets | 9.1394% | 5,224 |
| Core capital (leverage) ratio | 8.8294% | 5,295 |
| Tier 1 risk-based capital ratio | 12.2276% | 5,345 |
| Total risk-based capital ratio | 13.1972% | 5,437 |
| Memoranda: | ||
| Average total assets | $190,842,500 | 3,121 |
| Average earning assets | $170,789,250 | 3,173 |
| Average equity | $17,023,250 | 3,541 |
| Average total loans | $124,066,250 | 2,992 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9019% | 910 |
| Cost of funding earning assets | 0.2594% | 5,391 |
| Net interest margin | 4.6426% | 538 |
| Noninterest income to average assets | 0.7921% | 1,866 |
| Noninterest expense to average assets | 3.7478% | 1,055 |
| Loan and lease loss provision to assets | 0.1504% | 1,637 |
| Net operating income to assets | 1.0550% | 2,107 |
| Return on assets (ROA) | 1.1003% | 2,007 |
| Pretax return on assets | 1.1003% | 3,102 |
| Return on Equity (ROE) | 12.4381% | 1,321 |
| Retained earnings to average equity (ytd only) | 5.8385% | 2,423 |
| Net charge-offs to loans | 0.2333% | 1,644 |
| Credit loss provision to net charge-offs | 99.3056% | 2,032 |
| Earnings coverage of net charge-offs (x) | 7.9583% | 2,556 |
| Efficiency ratio | 75.6636% | 2,698 |
| Assets per employee ($millions) | 2.8271% | 5,995 |
| Cash dividends to net income (ytd only)* | 53.0593% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 5,085 |
| Loan loss allowance to noncurrent loans | 160.7013% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 4,399 |
| Noncurrent loans to loans | 0.6577% | 4,062 |
| Net loans and leases to total assets | 63.7756% | 3,102 |
| Net loans and leases to deposits | 73.4618% | 3,392 |
| Net loans and leases to core deposits | 79.0310% | 3,318 |
| Total domestic deposits to total assets | 86.8147% | 2,571 |
| Equity capital to assets | 8.9203% | 5,389 |
| Core capital (leverage) ratio | 8.8726% | 5,206 |
| Tier 1 risk-based capital ratio | 12.3334% | 5,342 |
| Total risk-based capital ratio | 13.3065% | 5,445 |
| Memoranda: | ||
| Average total assets | $190,138,330 | 3,150 |
| Average earning assets | $170,423,330 | 3,198 |
| Average equity | $16,819,330 | 3,560 |
| Average total loans | $123,448,000 | 3,001 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9243% | 832 |
| Cost of funding earning assets | 0.2689% | 5,398 |
| Net interest margin | 4.6554% | 500 |
| Noninterest income to average assets | 0.6352% | 2,546 |
| Noninterest expense to average assets | 3.7214% | 1,099 |
| Loan and lease loss provision to assets | 0.0746% | 2,645 |
| Net operating income to assets | 1.0081% | 2,181 |
| Return on assets (ROA) | 1.0465% | 2,088 |
| Pretax return on assets | 1.0465% | 3,148 |
| Return on Equity (ROE) | 11.8825% | 1,443 |
| Retained earnings to average equity (ytd only) | 3.7753% | 3,862 |
| Net charge-offs to loans | 0.1537% | 1,797 |
| Credit loss provision to net charge-offs | 74.4681% | 1,956 |
| Earnings coverage of net charge-offs (x) | 10.8085% | 1,830 |
| Efficiency ratio | 77.4623% | 2,561 |
| Assets per employee ($millions) | 2.8283% | 6,071 |
| Cash dividends to net income (ytd only)* | 68.2281% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 5,208 |
| Loan loss allowance to noncurrent loans | 115.8172% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 4,308 |
| Noncurrent loans to loans | 0.9322% | 3,555 |
| Net loans and leases to total assets | 64.6913% | 2,777 |
| Net loans and leases to deposits | 71.7018% | 3,377 |
| Net loans and leases to core deposits | 79.1944% | 3,064 |
| Total domestic deposits to total assets | 90.2227% | 951 |
| Equity capital to assets | 8.9555% | 5,160 |
| Core capital (leverage) ratio | 8.7796% | 5,288 |
| Tier 1 risk-based capital ratio | 12.3634% | 5,402 |
| Total risk-based capital ratio | 13.3503% | 5,507 |
| Memoranda: | ||
| Average total assets | $187,671,000 | 3,192 |
| Average earning assets | $168,063,500 | 3,240 |
| Average equity | $16,528,500 | 3,618 |
| Average total loans | $122,303,000 | 3,023 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 938 |
| Cost of funding earning assets | 0.2933% | 5,651 |
| Net interest margin | 4.6939% | 512 |
| Noninterest income to average assets | 0.7624% | 2,247 |
| Noninterest expense to average assets | 3.7710% | 1,181 |
| Loan and lease loss provision to assets | 0.1421% | 2,532 |
| Net operating income to assets | 1.0537% | 2,100 |
| Return on assets (ROA) | 1.1350% | 1,877 |
| Pretax return on assets | 1.1350% | 2,828 |
| Return on Equity (ROE) | 12.6099% | 1,253 |
| Retained earnings to average equity (ytd only) | 5.8204% | 2,082 |
| Net charge-offs to loans | 0.2267% | 2,645 |
| Credit loss provision to net charge-offs | 101.1494% | 2,386 |
| Earnings coverage of net charge-offs (x) | 8.5096% | 2,659 |
| Efficiency ratio | 75.9241% | 2,784 |
| Assets per employee ($millions) | 2.7746% | 6,144 |
| Cash dividends to net income (ytd only)* | 53.8425% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 5,220 |
| Loan loss allowance to noncurrent loans | 153.0495% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 4,859 |
| Noncurrent loans to loans | 0.7092% | 4,196 |
| Net loans and leases to total assets | 64.2378% | 3,003 |
| Net loans and leases to deposits | 71.0317% | 3,649 |
| Net loans and leases to core deposits | 78.7985% | 3,267 |
| Total domestic deposits to total assets | 90.4354% | 852 |
| Equity capital to assets | 8.6604% | 5,411 |
| Core capital (leverage) ratio | 8.8922% | 5,151 |
| Tier 1 risk-based capital ratio | 12.0834% | 5,572 |
| Total risk-based capital ratio | 13.0659% | 5,667 |
| Memoranda: | ||
| Average total assets | $185,733,800 | 3,216 |
| Average earning assets | $166,363,600 | 3,266 |
| Average equity | $16,717,000 | 3,597 |
| Average total loans | $115,108,400 | 3,147 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0015% | 941 |
| Cost of funding earning assets | 0.3012% | 5,724 |
| Net interest margin | 4.7003% | 517 |
| Noninterest income to average assets | 0.7870% | 2,215 |
| Noninterest expense to average assets | 3.7895% | 1,098 |
| Loan and lease loss provision to assets | 0.1550% | 2,329 |
| Net operating income to assets | 1.0486% | 2,186 |
| Return on assets (ROA) | 1.1560% | 1,859 |
| Pretax return on assets | 1.1560% | 2,866 |
| Return on Equity (ROE) | 12.7213% | 1,313 |
| Retained earnings to average equity (ytd only) | 5.4248% | 2,782 |
| Net charge-offs to loans | 0.2508% | 2,310 |
| Credit loss provision to net charge-offs | 100.9390% | 2,314 |
| Earnings coverage of net charge-offs (x) | 7.8405% | 2,718 |
| Efficiency ratio | 75.8949% | 2,747 |
| Assets per employee ($millions) | 2.7534% | 6,216 |
| Cash dividends to net income (ytd only)* | 57.3569% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 5,185 |
| Loan loss allowance to noncurrent loans | 190.6743% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 5,255 |
| Noncurrent loans to loans | 0.5951% | 4,711 |
| Net loans and leases to total assets | 63.7179% | 3,038 |
| Net loans and leases to deposits | 70.7905% | 3,669 |
| Net loans and leases to core deposits | 78.0317% | 3,361 |
| Total domestic deposits to total assets | 90.0091% | 990 |
| Equity capital to assets | 8.9855% | 5,208 |
| Core capital (leverage) ratio | 8.7707% | 5,454 |
| Tier 1 risk-based capital ratio | 12.4361% | 5,493 |
| Total risk-based capital ratio | 13.4623% | 5,568 |
| Memoranda: | ||
| Average total assets | $184,998,750 | 3,253 |
| Average earning assets | $165,546,750 | 3,305 |
| Average equity | $16,811,250 | 3,627 |
| Average total loans | $113,253,000 | 3,201 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9269% | 1,038 |
| Cost of funding earning assets | 0.3054% | 5,791 |
| Net interest margin | 4.6215% | 578 |
| Noninterest income to average assets | 0.8383% | 2,034 |
| Noninterest expense to average assets | 3.7777% | 1,126 |
| Loan and lease loss provision to assets | 0.1827% | 2,076 |
| Net operating income to assets | 1.0253% | 2,218 |
| Return on assets (ROA) | 1.1446% | 1,882 |
| Pretax return on assets | 1.1446% | 2,909 |
| Return on Equity (ROE) | 12.5501% | 1,346 |
| Retained earnings to average equity (ytd only) | 5.8921% | 2,496 |
| Net charge-offs to loans | 0.2251% | 2,387 |
| Credit loss provision to net charge-offs | 134.9206% | 1,678 |
| Earnings coverage of net charge-offs (x) | 8.9206% | 2,350 |
| Efficiency ratio | 75.7706% | 2,819 |
| Assets per employee ($millions) | 2.7637% | 6,202 |
| Cash dividends to net income (ytd only)* | 53.0516% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 4,813 |
| Loan loss allowance to noncurrent loans | 173.3249% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 5,212 |
| Noncurrent loans to loans | 0.7125% | 4,502 |
| Net loans and leases to total assets | 59.2169% | 3,794 |
| Net loans and leases to deposits | 65.6807% | 4,301 |
| Net loans and leases to core deposits | 73.2116% | 3,900 |
| Total domestic deposits to total assets | 90.1588% | 946 |
| Equity capital to assets | 8.9037% | 5,322 |
| Core capital (leverage) ratio | 8.7509% | 5,358 |
| Tier 1 risk-based capital ratio | 12.7657% | 5,311 |
| Total risk-based capital ratio | 13.8605% | 5,361 |
| Memoranda: | ||
| Average total assets | $186,089,670 | 3,254 |
| Average earning assets | $167,000,670 | 3,302 |
| Average equity | $16,972,000 | 3,625 |
| Average total loans | $111,963,670 | 3,231 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 992 |
| Cost of funding earning assets | 0.3151% | 5,842 |
| Net interest margin | 4.6237% | 544 |
| Noninterest income to average assets | 0.9542% | 1,597 |
| Noninterest expense to average assets | 3.8446% | 1,060 |
| Loan and lease loss provision to assets | 0.0622% | 3,596 |
| Net operating income to assets | 1.2008% | 1,524 |
| Return on assets (ROA) | 1.2008% | 1,632 |
| Pretax return on assets | 1.2008% | 2,573 |
| Return on Equity (ROE) | 13.0123% | 1,171 |
| Retained earnings to average equity (ytd only) | 5.5767% | 2,913 |
| Net charge-offs to loans | 0.1601% | 2,445 |
| Credit loss provision to net charge-offs | 64.4444% | 2,366 |
| Earnings coverage of net charge-offs (x) | 13.0889% | 1,552 |
| Efficiency ratio | 75.2729% | 3,045 |
| Assets per employee ($millions) | 2.8193% | 6,259 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 5,250 |
| Loan loss allowance to noncurrent loans | 1,000.7634% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 6,310 |
| Noncurrent loans to loans | 0.1182% | 6,120 |
| Net loans and leases to total assets | 60.6890% | 3,310 |
| Net loans and leases to deposits | 67.7945% | 3,794 |
| Net loans and leases to core deposits | 74.8099% | 3,485 |
| Total domestic deposits to total assets | 89.5191% | 1,347 |
| Equity capital to assets | 9.5686% | 4,757 |
| Core capital (leverage) ratio | 8.5419% | 5,526 |
| Tier 1 risk-based capital ratio | 12.6565% | 5,466 |
| Total risk-based capital ratio | 13.7174% | 5,546 |
| Memoranda: | ||
| Average total assets | $186,549,500 | 3,277 |
| Average earning assets | $167,571,000 | 3,313 |
| Average equity | $17,214,500 | 3,625 |
| Average total loans | $112,434,000 | 3,244 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 1,487 |
| Cost of funding earning assets | 0.3906% | 5,977 |
| Net interest margin | 4.6359% | 731 |
| Noninterest income to average assets | 0.8283% | 2,140 |
| Noninterest expense to average assets | 3.7798% | 1,292 |
| Loan and lease loss provision to assets | 0.0866% | 4,613 |
| Net operating income to assets | 1.0924% | 1,964 |
| Return on assets (ROA) | 1.1735% | 1,853 |
| Pretax return on assets | 1.1735% | 2,893 |
| Return on Equity (ROE) | 12.8597% | 1,266 |
| Retained earnings to average equity (ytd only) | 6.2657% | 1,935 |
| Net charge-offs to loans | 0.1570% | 4,130 |
| Credit loss provision to net charge-offs | 95.2096% | 3,266 |
| Earnings coverage of net charge-offs (x) | 12.9641% | 1,879 |
| Efficiency ratio | 76.2245% | 2,708 |
| Assets per employee ($millions) | 2.9192% | 6,132 |
| Cash dividends to net income (ytd only)* | 51.2761% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 5,293 |
| Loan loss allowance to noncurrent loans | 3,317.5000% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 5,616 |
| Noncurrent loans to loans | 0.0351% | 6,419 |
| Net loans and leases to total assets | 58.5090% | 3,882 |
| Net loans and leases to deposits | 64.9300% | 4,435 |
| Net loans and leases to core deposits | 71.7664% | 4,069 |
| Total domestic deposits to total assets | 90.1109% | 894 |
| Equity capital to assets | 8.9087% | 5,624 |
| Core capital (leverage) ratio | 8.2448% | 5,945 |
| Tier 1 risk-based capital ratio | 12.0318% | 5,768 |
| Total risk-based capital ratio | 13.0684% | 5,862 |
| Memoranda: | ||
| Average total assets | $183,634,200 | 3,267 |
| Average earning assets | $163,615,200 | 3,324 |
| Average equity | $16,757,800 | 3,663 |
| Average total loans | $106,388,200 | 3,368 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0728% | 1,490 |
| Cost of funding earning assets | 0.4069% | 6,081 |
| Net interest margin | 4.6660% | 723 |
| Noninterest income to average assets | 0.8865% | 1,880 |
| Noninterest expense to average assets | 3.8005% | 1,207 |
| Loan and lease loss provision to assets | 0.1161% | 4,112 |
| Net operating income to assets | 1.1174% | 2,036 |
| Return on assets (ROA) | 1.1850% | 1,975 |
| Pretax return on assets | 1.1850% | 3,040 |
| Return on Equity (ROE) | 12.9037% | 1,362 |
| Retained earnings to average equity (ytd only) | 6.4599% | 2,399 |
| Net charge-offs to loans | 0.1710% | 3,733 |
| Credit loss provision to net charge-offs | 117.9104% | 2,458 |
| Earnings coverage of net charge-offs (x) | 12.5226% | 1,994 |
| Efficiency ratio | 75.4965% | 2,747 |
| Assets per employee ($millions) | 2.8677% | 6,264 |
| Cash dividends to net income (ytd only)* | 49.9381% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 4,659 |
| Loan loss allowance to noncurrent loans | 1,788.1579% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 5,579 |
| Noncurrent loans to loans | 0.0746% | 6,431 |
| Net loans and leases to total assets | 54.7984% | 4,623 |
| Net loans and leases to deposits | 61.2314% | 5,058 |
| Net loans and leases to core deposits | 67.8010% | 4,746 |
| Total domestic deposits to total assets | 89.4939% | 1,131 |
| Equity capital to assets | 9.4006% | 5,333 |
| Core capital (leverage) ratio | 8.4283% | 5,862 |
| Tier 1 risk-based capital ratio | 12.9717% | 5,275 |
| Total risk-based capital ratio | 14.1342% | 5,308 |
| Memoranda: | ||
| Average total assets | $181,376,250 | 3,324 |
| Average earning assets | $161,220,500 | 3,398 |
| Average equity | $16,656,250 | 3,709 |
| Average total loans | $104,471,750 | 3,446 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0841% | 1,546 |
| Cost of funding earning assets | 0.4242% | 6,134 |
| Net interest margin | 4.6599% | 733 |
| Noninterest income to average assets | 0.9344% | 1,662 |
| Noninterest expense to average assets | 3.8205% | 1,182 |
| Loan and lease loss provision to assets | 0.1450% | 3,706 |
| Net operating income to assets | 1.1159% | 1,992 |
| Return on assets (ROA) | 1.2178% | 1,845 |
| Pretax return on assets | 1.2178% | 2,847 |
| Return on Equity (ROE) | 13.3679% | 1,261 |
| Retained earnings to average equity (ytd only) | 6.8662% | 2,179 |
| Net charge-offs to loans | 0.1937% | 3,423 |
| Credit loss provision to net charge-offs | 128.4314% | 2,146 |
| Earnings coverage of net charge-offs (x) | 11.1667% | 1,986 |
| Efficiency ratio | 75.1852% | 2,864 |
| Assets per employee ($millions) | 2.8349% | 6,352 |
| Cash dividends to net income (ytd only)* | 48.6364% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 4,747 |
| Loan loss allowance to noncurrent loans | 1,217.8571% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 5,619 |
| Noncurrent loans to loans | 0.1092% | 6,393 |
| Net loans and leases to total assets | 55.7910% | 4,502 |
| Net loans and leases to deposits | 62.2249% | 4,969 |
| Net loans and leases to core deposits | 69.2146% | 4,635 |
| Total domestic deposits to total assets | 89.6603% | 1,122 |
| Equity capital to assets | 9.2953% | 5,329 |
| Core capital (leverage) ratio | 8.2729% | 5,960 |
| Tier 1 risk-based capital ratio | 12.7255% | 5,401 |
| Total risk-based capital ratio | 13.8863% | 5,451 |
| Memoranda: | ||
| Average total assets | $180,658,000 | 3,344 |
| Average earning assets | $160,777,000 | 3,408 |
| Average equity | $16,457,330 | 3,736 |
| Average total loans | $105,318,670 | 3,454 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0509% | 1,717 |
| Cost of funding earning assets | 0.4426% | 6,194 |
| Net interest margin | 4.6083% | 813 |
| Noninterest income to average assets | 0.8654% | 1,889 |
| Noninterest expense to average assets | 3.7721% | 1,249 |
| Loan and lease loss provision to assets | 0.0621% | 4,643 |
| Net operating income to assets | 1.1205% | 1,989 |
| Return on assets (ROA) | 1.1205% | 2,173 |
| Pretax return on assets | 1.1205% | 3,241 |
| Return on Equity (ROE) | 12.4281% | 1,545 |
| Retained earnings to average equity (ytd only) | 3.8146% | 4,296 |
| Net charge-offs to loans | 0.0975% | 3,554 |
| Credit loss provision to net charge-offs | 107.6923% | 2,166 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,189 |
| Efficiency ratio | 76.1308% | 2,768 |
| Assets per employee ($millions) | 2.7448% | 6,580 |
| Cash dividends to net income (ytd only)* | 69.3069% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 5,132 |
| Loan loss allowance to noncurrent loans | 205.3763% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 5,983 |
| Noncurrent loans to loans | 0.6210% | 5,410 |
| Net loans and leases to total assets | 57.1303% | 4,197 |
| Net loans and leases to deposits | 63.4522% | 4,709 |
| Net loans and leases to core deposits | 70.4335% | 4,348 |
| Total domestic deposits to total assets | 90.0368% | 1,067 |
| Equity capital to assets | 8.9669% | 5,548 |
| Core capital (leverage) ratio | 8.1826% | 6,050 |
| Tier 1 risk-based capital ratio | 12.1828% | 5,836 |
| Total risk-based capital ratio | 13.3028% | 5,907 |
| Memoranda: | ||
| Average total assets | $180,269,000 | 3,374 |
| Average earning assets | $159,973,000 | 3,437 |
| Average equity | $16,253,500 | 3,773 |
| Average total loans | $106,683,500 | 3,437 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4719% | 1,236 |
| Cost of funding earning assets | 0.5517% | 6,331 |
| Net interest margin | 4.9202% | 488 |
| Noninterest income to average assets | 0.9547% | 1,491 |
| Noninterest expense to average assets | 3.9634% | 1,099 |
| Loan and lease loss provision to assets | 0.1671% | 4,552 |
| Net operating income to assets | 1.1194% | 1,757 |
| Return on assets (ROA) | 1.1608% | 1,742 |
| Pretax return on assets | 1.1608% | 2,608 |
| Return on Equity (ROE) | 13.3838% | 1,069 |
| Retained earnings to average equity (ytd only) | 7.4928% | 1,277 |
| Net charge-offs to loans | 0.2203% | 4,409 |
| Credit loss provision to net charge-offs | 124.3590% | 2,525 |
| Earnings coverage of net charge-offs (x) | 9.5769% | 1,960 |
| Efficiency ratio | 75.4948% | 2,977 |
| Assets per employee ($millions) | 2.7179% | 6,582 |
| Cash dividends to net income (ytd only)* | 44.0158% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 5,259 |
| Loan loss allowance to noncurrent loans | 212.9187% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 6,100 |
| Noncurrent loans to loans | 0.5777% | 5,556 |
| Net loans and leases to total assets | 59.7607% | 4,035 |
| Net loans and leases to deposits | 66.5400% | 4,660 |
| Net loans and leases to core deposits | 73.9616% | 4,246 |
| Total domestic deposits to total assets | 89.8117% | 1,090 |
| Equity capital to assets | 9.0661% | 5,472 |
| Core capital (leverage) ratio | 8.2471% | 5,929 |
| Tier 1 risk-based capital ratio | 12.0537% | 5,800 |
| Total risk-based capital ratio | 13.1720% | 5,863 |
| Memoranda: | ||
| Average total assets | $174,194,800 | 3,429 |
| Average earning assets | $152,067,800 | 3,547 |
| Average equity | $15,107,800 | 3,884 |
| Average total loans | $106,235,000 | 3,465 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5443% | 1,153 |
| Cost of funding earning assets | 0.5770% | 6,393 |
| Net interest margin | 4.9673% | 443 |
| Noninterest income to average assets | 0.9747% | 1,409 |
| Noninterest expense to average assets | 4.0331% | 971 |
| Loan and lease loss provision to assets | 0.1820% | 4,214 |
| Net operating income to assets | 1.0881% | 2,019 |
| Return on assets (ROA) | 1.1274% | 2,011 |
| Pretax return on assets | 1.1274% | 2,907 |
| Return on Equity (ROE) | 13.1539% | 1,238 |
| Retained earnings to average equity (ytd only) | 6.7210% | 2,122 |
| Net charge-offs to loans | 0.2827% | 3,669 |
| Credit loss provision to net charge-offs | 105.3571% | 3,153 |
| Earnings coverage of net charge-offs (x) | 7.3527% | 2,373 |
| Efficiency ratio | 76.0506% | 2,830 |
| Assets per employee ($millions) | 2.5749% | 6,811 |
| Cash dividends to net income (ytd only)* | 48.9057% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 5,493 |
| Loan loss allowance to noncurrent loans | 205.7416% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 6,127 |
| Noncurrent loans to loans | 0.5802% | 5,715 |
| Net loans and leases to total assets | 61.8923% | 3,754 |
| Net loans and leases to deposits | 69.5940% | 4,363 |
| Net loans and leases to core deposits | 77.7996% | 3,938 |
| Total domestic deposits to total assets | 88.9334% | 1,460 |
| Equity capital to assets | 9.2743% | 5,416 |
| Core capital (leverage) ratio | 8.2227% | 6,108 |
| Tier 1 risk-based capital ratio | 12.1337% | 5,791 |
| Total risk-based capital ratio | 13.2515% | 5,883 |
| Memoranda: | ||
| Average total assets | $172,898,000 | 3,465 |
| Average earning assets | $150,662,250 | 3,593 |
| Average equity | $14,819,000 | 3,954 |
| Average total loans | $105,660,000 | 3,507 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4215% | 1,500 |
| Cost of funding earning assets | 0.5964% | 6,479 |
| Net interest margin | 4.8251% | 581 |
| Noninterest income to average assets | 1.0195% | 1,274 |
| Noninterest expense to average assets | 3.9890% | 1,070 |
| Loan and lease loss provision to assets | 0.2034% | 3,891 |
| Net operating income to assets | 1.0819% | 1,926 |
| Return on assets (ROA) | 1.1039% | 1,946 |
| Pretax return on assets | 1.1039% | 2,834 |
| Return on Equity (ROE) | 13.2406% | 1,148 |
| Retained earnings to average equity (ytd only) | 7.1402% | 1,812 |
| Net charge-offs to loans | 0.2632% | 3,578 |
| Credit loss provision to net charge-offs | 127.5362% | 2,396 |
| Earnings coverage of net charge-offs (x) | 8.0580% | 2,124 |
| Efficiency ratio | 75.6301% | 3,080 |
| Assets per employee ($millions) | 2.4194% | 7,006 |
| Cash dividends to net income (ytd only)* | 46.0733% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 5,357 |
| Loan loss allowance to noncurrent loans | 192.1168% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 6,129 |
| Noncurrent loans to loans | 0.6458% | 5,632 |
| Net loans and leases to total assets | 60.1304% | 4,248 |
| Net loans and leases to deposits | 66.7125% | 4,895 |
| Net loans and leases to core deposits | 77.1025% | 4,177 |
| Total domestic deposits to total assets | 90.1336% | 907 |
| Equity capital to assets | 8.7286% | 5,906 |
| Core capital (leverage) ratio | 8.0253% | 6,268 |
| Tier 1 risk-based capital ratio | 11.9488% | 5,823 |
| Total risk-based capital ratio | 13.0902% | 5,884 |
| Memoranda: | ||
| Average total assets | $173,024,330 | 3,480 |
| Average earning assets | $152,578,330 | 3,588 |
| Average equity | $14,425,330 | 4,032 |
| Average total loans | $104,858,000 | 3,564 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3755% | 1,658 |
| Cost of funding earning assets | 0.6260% | 6,491 |
| Net interest margin | 4.7495% | 637 |
| Noninterest income to average assets | 0.8861% | 1,706 |
| Noninterest expense to average assets | 3.8855% | 1,197 |
| Loan and lease loss provision to assets | 0.1577% | 4,049 |
| Net operating income to assets | 1.0137% | 2,145 |
| Return on assets (ROA) | 1.0137% | 2,192 |
| Pretax return on assets | 1.0137% | 3,082 |
| Return on Equity (ROE) | 12.4541% | 1,339 |
| Retained earnings to average equity (ytd only) | 4.7594% | 3,332 |
| Net charge-offs to loans | 0.2839% | 2,928 |
| Credit loss provision to net charge-offs | 91.8919% | 2,908 |
| Earnings coverage of net charge-offs (x) | 6.8243% | 2,041 |
| Efficiency ratio | 76.8349% | 3,007 |
| Assets per employee ($millions) | 2.4519% | 7,051 |
| Cash dividends to net income (ytd only)* | 61.7849% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 5,580 |
| Loan loss allowance to noncurrent loans | 140.8638% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 5,923 |
| Noncurrent loans to loans | 0.8591% | 5,323 |
| Net loans and leases to total assets | 60.4998% | 4,175 |
| Net loans and leases to deposits | 67.1710% | 4,804 |
| Net loans and leases to core deposits | 77.6276% | 4,073 |
| Total domestic deposits to total assets | 90.0683% | 1,113 |
| Equity capital to assets | 8.2316% | 6,247 |
| Core capital (leverage) ratio | 7.8081% | 6,457 |
| Tier 1 risk-based capital ratio | 11.6849% | 5,950 |
| Total risk-based capital ratio | 12.7918% | 6,049 |
| Memoranda: | ||
| Average total assets | $172,437,500 | 3,514 |
| Average earning assets | $151,428,000 | 3,617 |
| Average equity | $14,035,500 | 4,107 |
| Average total loans | $104,256,000 | 3,616 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5223% | 2,196 |
| Cost of funding earning assets | 0.8019% | 6,561 |
| Net interest margin | 4.7204% | 779 |
| Noninterest income to average assets | 0.8484% | 2,063 |
| Noninterest expense to average assets | 4.0159% | 1,136 |
| Loan and lease loss provision to assets | 0.1622% | 5,593 |
| Net operating income to assets | 0.8121% | 2,746 |
| Return on assets (ROA) | 1.0285% | 2,044 |
| Pretax return on assets | 1.0285% | 2,840 |
| Return on Equity (ROE) | 12.9250% | 1,105 |
| Retained earnings to average equity (ytd only) | 6.4698% | 1,568 |
| Net charge-offs to loans | 0.2339% | 4,881 |
| Credit loss provision to net charge-offs | 116.1157% | 3,708 |
| Earnings coverage of net charge-offs (x) | 6.9752% | 2,229 |
| Efficiency ratio | 80.4765% | 2,348 |
| Assets per employee ($millions) | 2.4749% | 7,044 |
| Cash dividends to net income (ytd only)* | 49.9439% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 5,343 |
| Loan loss allowance to noncurrent loans | 138.6536% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 5,963 |
| Noncurrent loans to loans | 0.8907% | 5,278 |
| Net loans and leases to total assets | 58.9496% | 4,858 |
| Net loans and leases to deposits | 64.9780% | 5,517 |
| Net loans and leases to core deposits | 73.4931% | 5,041 |
| Total domestic deposits to total assets | 90.7223% | 735 |
| Equity capital to assets | 8.0482% | 6,445 |
| Core capital (leverage) ratio | 7.7792% | 6,459 |
| Tier 1 risk-based capital ratio | 11.5976% | 5,823 |
| Total risk-based capital ratio | 12.7152% | 5,936 |
| Memoranda: | ||
| Average total assets | $173,262,200 | 3,479 |
| Average earning assets | $152,020,800 | 3,607 |
| Average equity | $13,787,200 | 4,185 |
| Average total loans | $103,459,400 | 3,692 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5562% | 2,229 |
| Cost of funding earning assets | 0.8471% | 6,592 |
| Net interest margin | 4.7091% | 831 |
| Noninterest income to average assets | 0.7964% | 2,249 |
| Noninterest expense to average assets | 4.0030% | 1,038 |
| Loan and lease loss provision to assets | 0.1947% | 5,093 |
| Net operating income to assets | 0.7310% | 3,279 |
| Return on assets (ROA) | 1.0204% | 2,281 |
| Pretax return on assets | 1.0204% | 3,109 |
| Return on Equity (ROE) | 12.8595% | 1,295 |
| Retained earnings to average equity (ytd only) | 5.7315% | 2,524 |
| Net charge-offs to loans | 0.2719% | 4,315 |
| Credit loss provision to net charge-offs | 119.9052% | 3,442 |
| Earnings coverage of net charge-offs (x) | 5.7013% | 2,699 |
| Efficiency ratio | 81.2178% | 2,167 |
| Assets per employee ($millions) | 2.4332% | 7,159 |
| Cash dividends to net income (ytd only)* | 55.4300% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 5,501 |
| Loan loss allowance to noncurrent loans | 128.7437% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 5,933 |
| Noncurrent loans to loans | 0.9314% | 5,373 |
| Net loans and leases to total assets | 62.8674% | 4,357 |
| Net loans and leases to deposits | 69.8424% | 5,175 |
| Net loans and leases to core deposits | 79.4188% | 4,597 |
| Total domestic deposits to total assets | 90.0133% | 875 |
| Equity capital to assets | 8.6716% | 6,072 |
| Core capital (leverage) ratio | 7.7004% | 6,674 |
| Tier 1 risk-based capital ratio | 11.1574% | 6,235 |
| Total risk-based capital ratio | 12.2676% | 6,344 |
| Memoranda: | ||
| Average total assets | $173,267,000 | 3,526 |
| Average earning assets | $152,041,750 | 3,655 |
| Average equity | $13,748,250 | 4,259 |
| Average total loans | $103,473,500 | 3,748 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5042% | 2,496 |
| Cost of funding earning assets | 0.8797% | 6,655 |
| Net interest margin | 4.6245% | 942 |
| Noninterest income to average assets | 0.7072% | 2,665 |
| Noninterest expense to average assets | 3.9575% | 1,096 |
| Loan and lease loss provision to assets | 0.1257% | 5,630 |
| Net operating income to assets | 0.6661% | 3,550 |
| Return on assets (ROA) | 0.9300% | 2,532 |
| Pretax return on assets | 0.9300% | 3,387 |
| Return on Equity (ROE) | 12.0789% | 1,429 |
| Retained earnings to average equity (ytd only) | 4.4369% | 3,249 |
| Net charge-offs to loans | 0.2521% | 4,085 |
| Credit loss provision to net charge-offs | 85.2713% | 4,562 |
| Earnings coverage of net charge-offs (x) | 5.3721% | 2,683 |
| Efficiency ratio | 83.3293% | 1,993 |
| Assets per employee ($millions) | 2.4421% | 7,175 |
| Cash dividends to net income (ytd only)* | 63.2678% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 5,622 |
| Loan loss allowance to noncurrent loans | 112.7542% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 5,884 |
| Noncurrent loans to loans | 1.0346% | 5,238 |
| Net loans and leases to total assets | 60.4672% | 4,973 |
| Net loans and leases to deposits | 66.6858% | 5,722 |
| Net loans and leases to core deposits | 75.0201% | 5,316 |
| Total domestic deposits to total assets | 90.6747% | 614 |
| Equity capital to assets | 8.0950% | 6,659 |
| Core capital (leverage) ratio | 7.4629% | 6,856 |
| Tier 1 risk-based capital ratio | 11.0484% | 6,191 |
| Total risk-based capital ratio | 12.1202% | 6,369 |
| Memoranda: | ||
| Average total assets | $175,058,330 | 3,516 |
| Average earning assets | $153,011,670 | 3,657 |
| Average equity | $13,478,000 | 4,333 |
| Average total loans | $102,354,330 | 3,822 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4389% | 2,868 |
| Cost of funding earning assets | 0.9236% | 6,680 |
| Net interest margin | 4.5153% | 1,108 |
| Noninterest income to average assets | 0.8740% | 1,727 |
| Noninterest expense to average assets | 3.9138% | 1,153 |
| Loan and lease loss provision to assets | 0.1581% | 4,953 |
| Net operating income to assets | 0.7656% | 3,132 |
| Return on assets (ROA) | 0.8988% | 2,622 |
| Pretax return on assets | 0.8988% | 3,476 |
| Return on Equity (ROE) | 11.9717% | 1,509 |
| Retained earnings to average equity (ytd only) | 1.4438% | 5,223 |
| Net charge-offs to loans | 0.2687% | 3,337 |
| Credit loss provision to net charge-offs | 102.9412% | 3,318 |
| Earnings coverage of net charge-offs (x) | 6.0147% | 2,300 |
| Efficiency ratio | 80.9057% | 2,424 |
| Assets per employee ($millions) | 2.3782% | 7,364 |
| Cash dividends to net income (ytd only)* | 87.9397% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 5,344 |
| Loan loss allowance to noncurrent loans | 103.3306% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.6457% | 4,012 |
| Noncurrent loans to loans | 1.1889% | 4,985 |
| Net loans and leases to total assets | 58.2681% | 5,388 |
| Net loans and leases to deposits | 64.0803% | 6,045 |
| Net loans and leases to core deposits | 72.0461% | 5,707 |
| Total domestic deposits to total assets | 90.9298% | 575 |
| Equity capital to assets | 7.8514% | 6,809 |
| Core capital (leverage) ratio | 7.1235% | 7,163 |
| Tier 1 risk-based capital ratio | 11.0871% | 6,075 |
| Total risk-based capital ratio | 12.1975% | 6,185 |
| Memoranda: | ||
| Average total assets | $177,115,500 | 3,541 |
| Average earning assets | $155,473,000 | 3,659 |
| Average equity | $13,298,000 | 4,408 |
| Average total loans | $101,239,000 | 3,916 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9010% | 2,230 |
| Cost of funding earning assets | 1.1892% | 6,688 |
| Net interest margin | 4.7118% | 815 |
| Noninterest income to average assets | 0.9619% | 1,696 |
| Noninterest expense to average assets | 4.1241% | 1,190 |
| Loan and lease loss provision to assets | 0.2248% | 5,565 |
| Net operating income to assets | 0.7454% | 2,742 |
| Return on assets (ROA) | 1.0501% | 1,708 |
| Pretax return on assets | 1.0501% | 2,411 |
| Return on Equity (ROE) | 13.6311% | 848 |
| Retained earnings to average equity (ytd only) | 6.7807% | 1,044 |
| Net charge-offs to loans | 0.2311% | 5,167 |
| Credit loss provision to net charge-offs | 159.7458% | 2,799 |
| Earnings coverage of net charge-offs (x) | 6.8941% | 2,265 |
| Efficiency ratio | 80.9552% | 2,755 |
| Assets per employee ($millions) | 2.4400% | 7,294 |
| Cash dividends to net income (ytd only)* | 50.2555% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 5,239 |
| Loan loss allowance to noncurrent loans | 108.5965% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 1.4973% | 4,137 |
| Noncurrent loans to loans | 1.1236% | 5,084 |
| Net loans and leases to total assets | 54.7683% | 6,110 |
| Net loans and leases to deposits | 59.8396% | 6,643 |
| Net loans and leases to core deposits | 80.9312% | 6,003 |
| Total domestic deposits to total assets | 91.5251% | 374 |
| Equity capital to assets | 7.1869% | 7,267 |
| Core capital (leverage) ratio | 7.2493% | 7,031 |
| Tier 1 risk-based capital ratio | 10.6108% | 6,293 |
| Total risk-based capital ratio | 11.6725% | 6,450 |
| Memoranda: | ||
| Average total assets | $167,695,400 | 3,646 |
| Average earning assets | $147,076,000 | 3,764 |
| Average equity | $12,919,000 | 4,529 |
| Average total loans | $102,126,600 | 3,892 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0864% | 1,698 |
| Cost of funding earning assets | 1.2333% | 6,791 |
| Net interest margin | 4.8532% | 618 |
| Noninterest income to average assets | 0.9756% | 1,685 |
| Noninterest expense to average assets | 4.2781% | 938 |
| Loan and lease loss provision to assets | 0.2457% | 4,994 |
| Net operating income to assets | 0.7071% | 3,181 |
| Return on assets (ROA) | 1.0472% | 1,971 |
| Pretax return on assets | 1.0472% | 2,749 |
| Return on Equity (ROE) | 13.3426% | 1,038 |
| Retained earnings to average equity (ytd only) | 5.8263% | 2,027 |
| Net charge-offs to loans | 0.2346% | 4,587 |
| Credit loss provision to net charge-offs | 167.7778% | 2,793 |
| Earnings coverage of net charge-offs (x) | 6.5056% | 2,592 |
| Efficiency ratio | 81.7857% | 2,608 |
| Assets per employee ($millions) | 2.2300% | 7,582 |
| Cash dividends to net income (ytd only)* | 56.3323% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,400 |
| Loan loss allowance to noncurrent loans | 143.7500% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 1.4834% | 4,152 |
| Noncurrent loans to loans | 0.8020% | 5,699 |
| Net loans and leases to total assets | 63.3370% | 5,009 |
| Net loans and leases to deposits | 70.0907% | 5,908 |
| Net loans and leases to core deposits | 94.7881% | 4,953 |
| Total domestic deposits to total assets | 90.3643% | 634 |
| Equity capital to assets | 8.1341% | 6,709 |
| Core capital (leverage) ratio | 7.3848% | 7,095 |
| Tier 1 risk-based capital ratio | 10.3694% | 6,604 |
| Total risk-based capital ratio | 11.4166% | 6,754 |
| Memoranda: | ||
| Average total assets | $163,869,250 | 3,727 |
| Average earning assets | $143,681,750 | 3,845 |
| Average equity | $12,860,750 | 4,569 |
| Average total loans | $102,292,250 | 3,932 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0323% | 2,045 |
| Cost of funding earning assets | 1.2602% | 6,926 |
| Net interest margin | 4.7721% | 694 |
| Noninterest income to average assets | 0.9579% | 1,734 |
| Noninterest expense to average assets | 4.2071% | 1,065 |
| Loan and lease loss provision to assets | 0.2753% | 4,379 |
| Net operating income to assets | 0.6680% | 3,396 |
| Return on assets (ROA) | 1.0142% | 2,147 |
| Pretax return on assets | 1.0142% | 2,950 |
| Return on Equity (ROE) | 13.0826% | 1,165 |
| Retained earnings to average equity (ytd only) | 5.9811% | 2,031 |
| Net charge-offs to loans | 0.3322% | 3,520 |
| Credit loss provision to net charge-offs | 133.9286% | 3,480 |
| Earnings coverage of net charge-offs (x) | 4.5893% | 3,058 |
| Efficiency ratio | 81.6865% | 2,766 |
| Assets per employee ($millions) | 2.2739% | 7,591 |
| Cash dividends to net income (ytd only)* | 54.2823% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 5,488 |
| Loan loss allowance to noncurrent loans | 139.5405% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 1.4691% | 4,036 |
| Noncurrent loans to loans | 0.7996% | 5,633 |
| Net loans and leases to total assets | 60.7778% | 5,554 |
| Net loans and leases to deposits | 66.7376% | 6,326 |
| Net loans and leases to core deposits | 87.6848% | 5,750 |
| Total domestic deposits to total assets | 91.0698% | 429 |
| Equity capital to assets | 7.5170% | 7,243 |
| Core capital (leverage) ratio | 7.3035% | 7,240 |
| Tier 1 risk-based capital ratio | 10.4212% | 6,455 |
| Total risk-based capital ratio | 11.4401% | 6,653 |
| Memoranda: | ||
| Average total assets | $163,485,000 | 3,750 |
| Average earning assets | $143,627,670 | 3,870 |
| Average equity | $12,673,330 | 4,636 |
| Average total loans | $101,143,330 | 3,983 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0579% | 2,121 |
| Cost of funding earning assets | 1.3294% | 6,933 |
| Net interest margin | 4.7286% | 725 |
| Noninterest income to average assets | 0.9411% | 1,683 |
| Noninterest expense to average assets | 4.2460% | 895 |
| Loan and lease loss provision to assets | 0.1986% | 4,454 |
| Net operating income to assets | 0.6828% | 3,645 |
| Return on assets (ROA) | 1.1199% | 2,019 |
| Pretax return on assets | 1.1199% | 2,912 |
| Return on Equity (ROE) | 14.2210% | 1,124 |
| Retained earnings to average equity (ytd only) | 6.3379% | 2,477 |
| Net charge-offs to loans | 0.2360% | 3,228 |
| Credit loss provision to net charge-offs | 135.5932% | 2,995 |
| Earnings coverage of net charge-offs (x) | 6.0169% | 2,561 |
| Efficiency ratio | 82.8087% | 2,437 |
| Assets per employee ($millions) | 2.2902% | 7,595 |
| Cash dividends to net income (ytd only)* | 55.4324% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 5,308 |
| Loan loss allowance to noncurrent loans | 58.8421% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.2694% | 4,137 |
| Noncurrent loans to loans | 1.9083% | 3,399 |
| Net loans and leases to total assets | 61.4079% | 5,427 |
| Net loans and leases to deposits | 67.8306% | 6,201 |
| Net loans and leases to core deposits | 89.8320% | 5,570 |
| Total domestic deposits to total assets | 90.5311% | 577 |
| Equity capital to assets | 8.0273% | 6,766 |
| Core capital (leverage) ratio | 7.4917% | 7,166 |
| Tier 1 risk-based capital ratio | 10.7450% | 6,146 |
| Total risk-based capital ratio | 11.7732% | 6,284 |
| Memoranda: | ||
| Average total assets | $161,091,500 | 3,812 |
| Average earning assets | $142,623,000 | 3,903 |
| Average equity | $12,685,500 | 4,658 |
| Average total loans | $100,002,000 | 4,027 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8620% | 1,511 |
| Cost of funding earning assets | 2.0539% | 6,220 |
| Net interest margin | 4.8082% | 772 |
| Noninterest income to average assets | 1.0500% | 1,423 |
| Noninterest expense to average assets | 4.0790% | 1,310 |
| Loan and lease loss provision to assets | 0.0976% | 6,138 |
| Net operating income to assets | 1.0865% | 2,199 |
| Return on assets (ROA) | 1.0865% | 2,117 |
| Pretax return on assets | 1.0865% | 3,068 |
| Return on Equity (ROE) | 14.6741% | 979 |
| Retained earnings to average equity (ytd only) | 5.3221% | 1,846 |
| Net charge-offs to loans | 0.1193% | 5,060 |
| Credit loss provision to net charge-offs | 126.0163% | 4,237 |
| Earnings coverage of net charge-offs (x) | 15.2927% | 1,940 |
| Efficiency ratio | 77.5027% | 2,992 |
| Assets per employee ($millions) | 2.2174% | 7,679 |
| Cash dividends to net income (ytd only)* | 63.7312% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 5,334 |
| Loan loss allowance to noncurrent loans | 53.0464% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 1.3122% | 3,599 |
| Noncurrent loans to loans | 2.0589% | 2,683 |
| Net loans and leases to total assets | 61.3728% | 5,716 |
| Net loans and leases to deposits | 67.7097% | 6,488 |
| Net loans and leases to core deposits | 90.4286% | 5,764 |
| Total domestic deposits to total assets | 90.6411% | 446 |
| Equity capital to assets | 7.7236% | 7,178 |
| Core capital (leverage) ratio | 7.2606% | 7,461 |
| Tier 1 risk-based capital ratio | 10.3713% | 6,342 |
| Total risk-based capital ratio | 11.3613% | 6,478 |
| Memoranda: | ||
| Average total assets | $158,863,400 | 3,739 |
| Average earning assets | $139,201,000 | 3,867 |
| Average equity | $11,762,200 | 4,902 |
| Average total loans | $103,091,400 | 3,872 |