Home > Franklin State Bank > Performance and Condition Ratios
Franklin State Bank, Performance and Condition Ratios
| 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 | 4.4088% | 2,598 |
| Cost of funding earning assets | 0.4295% | 3,665 |
| Net interest margin | 3.9792% | 2,015 |
| Noninterest income to average assets | 0.2676% | 4,360 |
| Noninterest expense to average assets | 1.7744% | 5,062 |
| Loan and lease loss provision to assets | -0.8843% | 5,468 |
| Net operating income to assets | 2.4196% | 178 |
| Return on assets (ROA) | 2.4173% | 181 |
| Pretax return on assets | 3.1474% | 100 |
| Return on Equity (ROE) | 13.2102% | 1,354 |
| Retained earnings to average equity (ytd only) | 6.8515% | 2,205 |
| Net charge-offs to loans | -2.1637% | 5,440 |
| Credit loss provision to net charge-offs | 77.7494% | 2,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9165% | 5,215 |
| Assets per employee ($millions) | 5.0636% | 2,388 |
| Cash dividends to net income (ytd only)* | 48.1349% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,386 |
| Loan loss allowance to noncurrent loans | 68.3628% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 1,470 |
| Noncurrent loans to loans | 1.8202% | 844 |
| Net loans and leases to total assets | 53.8137% | 4,371 |
| Net loans and leases to deposits | 72.0658% | 3,764 |
| Net loans and leases to core deposits | 74.0929% | 3,942 |
| Total domestic deposits to total assets | 74.6730% | 4,920 |
| Equity capital to assets | 18.3841% | 306 |
| Core capital (leverage) ratio | 20.1831% | 228 |
| Tier 1 risk-based capital ratio | 29.5710% | 499 |
| Total risk-based capital ratio | 30.5624% | 501 |
| Memoranda: | ||
| Average total assets | $45,835,250 | 5,075 |
| Average earning assets | $43,457,750 | 5,038 |
| Average equity | $8,387,250 | 4,594 |
| Average total loans | $24,094,250 | 5,026 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 2,838 |
| Cost of funding earning assets | 0.4058% | 3,682 |
| Net interest margin | 3.8738% | 2,297 |
| Noninterest income to average assets | 0.2744% | 4,354 |
| Noninterest expense to average assets | 1.7595% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8379% | 538 |
| Return on assets (ROA) | 1.8379% | 539 |
| Pretax return on assets | 2.1732% | 410 |
| Return on Equity (ROE) | 10.0592% | 2,539 |
| Retained earnings to average equity (ytd only) | 7.0796% | 2,039 |
| Net charge-offs to loans | -0.7212% | 5,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7398% | 5,260 |
| Assets per employee ($millions) | 4.5916% | 2,981 |
| Cash dividends to net income (ytd only)* | 29.6209% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 2,076 |
| Loan loss allowance to noncurrent loans | 1,339.1304% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 4,779 |
| Noncurrent loans to loans | 0.0985% | 4,469 |
| Net loans and leases to total assets | 50.1590% | 4,599 |
| Net loans and leases to deposits | 61.5917% | 4,446 |
| Net loans and leases to core deposits | 63.1575% | 4,540 |
| Total domestic deposits to total assets | 81.4378% | 3,881 |
| Equity capital to assets | 18.5230% | 288 |
| Core capital (leverage) ratio | 19.9140% | 230 |
| Tier 1 risk-based capital ratio | 30.3138% | 464 |
| Total risk-based capital ratio | 31.3418% | 468 |
| Memoranda: | ||
| Average total assets | $45,923,000 | 5,128 |
| Average earning assets | $43,368,000 | 5,102 |
| Average equity | $8,390,330 | 4,634 |
| Average total loans | $23,848,000 | 5,091 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 2,936 |
| Cost of funding earning assets | 0.3979% | 3,606 |
| Net interest margin | 3.7843% | 2,485 |
| Noninterest income to average assets | 0.2264% | 4,661 |
| Noninterest expense to average assets | 1.7158% | 5,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4980% | 1,085 |
| Return on assets (ROA) | 1.4980% | 1,086 |
| Pretax return on assets | 2.0729% | 496 |
| Return on Equity (ROE) | 8.2563% | 3,268 |
| Retained earnings to average equity (ytd only) | 2.2561% | 4,264 |
| Net charge-offs to loans | -1.3940% | 5,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2874% | 5,304 |
| Assets per employee ($millions) | 4.5484% | 3,075 |
| Cash dividends to net income (ytd only)* | 72.6744% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,176 |
| Loan loss allowance to noncurrent loans | 1,457.1429% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 4,877 |
| Noncurrent loans to loans | 0.0902% | 4,574 |
| Net loans and leases to total assets | 50.5079% | 4,523 |
| Net loans and leases to deposits | 61.9419% | 4,345 |
| Net loans and leases to core deposits | 63.5263% | 4,452 |
| Total domestic deposits to total assets | 81.5408% | 4,079 |
| Equity capital to assets | 18.2416% | 295 |
| Core capital (leverage) ratio | 19.3863% | 239 |
| Tier 1 risk-based capital ratio | 29.5187% | 490 |
| Total risk-based capital ratio | 30.5414% | 495 |
| Memoranda: | ||
| Average total assets | $45,926,500 | 5,189 |
| Average earning assets | $43,231,000 | 5,158 |
| Average equity | $8,333,000 | 4,693 |
| Average total loans | $24,102,500 | 5,140 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 3,182 |
| Cost of funding earning assets | 0.3300% | 3,873 |
| Net interest margin | 3.7365% | 2,649 |
| Noninterest income to average assets | 0.2794% | 4,463 |
| Noninterest expense to average assets | 2.4798% | 3,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2063% | 1,501 |
| Return on assets (ROA) | 1.2063% | 1,531 |
| Pretax return on assets | 1.3059% | 2,321 |
| Return on Equity (ROE) | 6.6872% | 3,437 |
| Retained earnings to average equity (ytd only) | 3.6857% | 3,024 |
| Net charge-offs to loans | -0.2869% | 5,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5034% | 3,337 |
| Assets per employee ($millions) | 4.6369% | 2,967 |
| Cash dividends to net income (ytd only)* | 44.8833% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 4,521 |
| Loan loss allowance to noncurrent loans | 925.0000% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 4,873 |
| Noncurrent loans to loans | 0.0963% | 4,562 |
| Net loans and leases to total assets | 53.2770% | 4,415 |
| Net loans and leases to deposits | 67.6729% | 4,049 |
| Net loans and leases to core deposits | 69.9572% | 4,176 |
| Total domestic deposits to total assets | 78.7272% | 4,600 |
| Equity capital to assets | 18.0487% | 307 |
| Core capital (leverage) ratio | 18.9271% | 239 |
| Tier 1 risk-based capital ratio | 28.1408% | 534 |
| Total risk-based capital ratio | 28.8519% | 551 |
| Memoranda: | ||
| Average total assets | $46,173,800 | 5,223 |
| Average earning assets | $43,328,800 | 5,202 |
| Average equity | $8,329,400 | 4,731 |
| Average total loans | $24,395,400 | 5,182 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 3,324 |
| Cost of funding earning assets | 0.3115% | 4,009 |
| Net interest margin | 3.6979% | 2,771 |
| Noninterest income to average assets | 0.2717% | 4,560 |
| Noninterest expense to average assets | 1.8298% | 5,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4020% | 1,082 |
| Return on assets (ROA) | 1.4020% | 1,106 |
| Pretax return on assets | 1.9078% | 673 |
| Return on Equity (ROE) | 7.7727% | 3,249 |
| Retained earnings to average equity (ytd only) | 3.7662% | 3,679 |
| Net charge-offs to loans | -0.3901% | 5,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9559% | 5,290 |
| Assets per employee ($millions) | 4.6426% | 2,910 |
| Cash dividends to net income (ytd only)* | 51.5472% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 4,587 |
| Loan loss allowance to noncurrent loans | 405.4545% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 4,651 |
| Noncurrent loans to loans | 0.2211% | 4,183 |
| Net loans and leases to total assets | 53.0996% | 4,485 |
| Net loans and leases to deposits | 65.7439% | 4,271 |
| Net loans and leases to core deposits | 67.8988% | 4,368 |
| Total domestic deposits to total assets | 80.7672% | 4,113 |
| Equity capital to assets | 18.4121% | 303 |
| Core capital (leverage) ratio | 18.8532% | 259 |
| Tier 1 risk-based capital ratio | 28.0720% | 560 |
| Total risk-based capital ratio | 28.7905% | 581 |
| Memoranda: | ||
| Average total assets | $46,125,000 | 5,286 |
| Average earning assets | $43,231,250 | 5,260 |
| Average equity | $8,319,500 | 4,779 |
| Average total loans | $24,262,750 | 5,238 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0075% | 3,181 |
| Cost of funding earning assets | 0.2889% | 4,195 |
| Net interest margin | 3.7186% | 2,588 |
| Noninterest income to average assets | 0.2738% | 4,587 |
| Noninterest expense to average assets | 1.8512% | 5,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3428% | 1,191 |
| Return on assets (ROA) | 1.3428% | 1,215 |
| Pretax return on assets | 1.8903% | 675 |
| Return on Equity (ROE) | 7.4970% | 3,291 |
| Retained earnings to average equity (ytd only) | 4.4642% | 3,054 |
| Net charge-offs to loans | -0.6401% | 5,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4774% | 5,334 |
| Assets per employee ($millions) | 4.6100% | 2,926 |
| Cash dividends to net income (ytd only)* | 40.4531% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 4,422 |
| Loan loss allowance to noncurrent loans | 108.5308% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 3,280 |
| Noncurrent loans to loans | 0.8749% | 2,234 |
| Net loans and leases to total assets | 51.8156% | 4,589 |
| Net loans and leases to deposits | 64.0952% | 4,362 |
| Net loans and leases to core deposits | 66.2020% | 4,459 |
| Total domestic deposits to total assets | 80.8416% | 4,224 |
| Equity capital to assets | 18.4317% | 293 |
| Core capital (leverage) ratio | 18.7384% | 257 |
| Tier 1 risk-based capital ratio | 28.7573% | 509 |
| Total risk-based capital ratio | 29.5176% | 526 |
| Memoranda: | ||
| Average total assets | $46,024,670 | 5,325 |
| Average earning assets | $42,919,330 | 5,310 |
| Average equity | $8,243,330 | 4,816 |
| Average total loans | $24,058,670 | 5,281 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 3,008 |
| Cost of funding earning assets | 0.2803% | 4,252 |
| Net interest margin | 3.7278% | 2,386 |
| Noninterest income to average assets | 0.2435% | 4,784 |
| Noninterest expense to average assets | 1.9049% | 5,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3743% | 1,049 |
| Return on assets (ROA) | 1.3743% | 1,083 |
| Pretax return on assets | 1.8092% | 775 |
| Return on Equity (ROE) | 7.7866% | 3,030 |
| Retained earnings to average equity (ytd only) | 1.6263% | 4,453 |
| Net charge-offs to loans | -0.0166% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2881% | 5,305 |
| Assets per employee ($millions) | 5.0580% | 2,363 |
| Cash dividends to net income (ytd only)* | 79.1139% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6619% | 5,383 |
| Loan loss allowance to noncurrent loans | 566.6667% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 5,048 |
| Noncurrent loans to loans | 0.1168% | 4,723 |
| Net loans and leases to total assets | 50.4393% | 4,640 |
| Net loans and leases to deposits | 61.7596% | 4,450 |
| Net loans and leases to core deposits | 63.7983% | 4,551 |
| Total domestic deposits to total assets | 81.6704% | 4,256 |
| Equity capital to assets | 17.9342% | 310 |
| Core capital (leverage) ratio | 18.5304% | 258 |
| Tier 1 risk-based capital ratio | 29.1034% | 509 |
| Total risk-based capital ratio | 29.6266% | 521 |
| Memoranda: | ||
| Average total assets | $45,987,000 | 5,386 |
| Average earning assets | $42,814,000 | 5,374 |
| Average equity | $8,116,500 | 4,882 |
| Average total loans | $24,030,000 | 5,332 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 3,191 |
| Cost of funding earning assets | 0.2443% | 4,619 |
| Net interest margin | 3.7575% | 2,477 |
| Noninterest income to average assets | 0.2770% | 4,763 |
| Noninterest expense to average assets | 2.3489% | 4,424 |
| Loan and lease loss provision to assets | 0.0296% | 3,765 |
| Net operating income to assets | 1.0444% | 2,163 |
| Return on assets (ROA) | 1.0444% | 2,268 |
| Pretax return on assets | 1.4102% | 1,905 |
| Return on Equity (ROE) | 5.9308% | 4,008 |
| Retained earnings to average equity (ytd only) | 2.9294% | 3,818 |
| Net charge-offs to loans | -0.0472% | 5,380 |
| Credit loss provision to net charge-offs | -127.2727% | 4,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9978% | 4,252 |
| Assets per employee ($millions) | 5.1613% | 2,224 |
| Cash dividends to net income (ytd only)* | 50.6073% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6093% | 5,511 |
| Loan loss allowance to noncurrent loans | 542.8571% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 5,097 |
| Noncurrent loans to loans | 0.1122% | 4,782 |
| Net loans and leases to total assets | 53.3755% | 4,492 |
| Net loans and leases to deposits | 66.4932% | 4,206 |
| Net loans and leases to core deposits | 68.6776% | 4,349 |
| Total domestic deposits to total assets | 80.2721% | 4,513 |
| Equity capital to assets | 17.3706% | 349 |
| Core capital (leverage) ratio | 17.9592% | 291 |
| Tier 1 risk-based capital ratio | 27.3387% | 602 |
| Total risk-based capital ratio | 27.8288% | 635 |
| Memoranda: | ||
| Average total assets | $47,297,800 | 5,398 |
| Average earning assets | $44,205,200 | 5,373 |
| Average equity | $8,329,400 | 4,879 |
| Average total loans | $23,318,400 | 5,408 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9656% | 3,348 |
| Cost of funding earning assets | 0.2428% | 4,671 |
| Net interest margin | 3.7228% | 2,628 |
| Noninterest income to average assets | 0.2834% | 4,740 |
| Noninterest expense to average assets | 1.7624% | 5,561 |
| Loan and lease loss provision to assets | 0.0393% | 3,453 |
| Net operating income to assets | 1.4144% | 1,041 |
| Return on assets (ROA) | 1.4144% | 1,089 |
| Pretax return on assets | 1.9673% | 622 |
| Return on Equity (ROE) | 8.0050% | 3,000 |
| Retained earnings to average equity (ytd only) | 4.0343% | 3,429 |
| Net charge-offs to loans | -0.0640% | 5,441 |
| Credit loss provision to net charge-offs | -127.2727% | 4,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7610% | 5,639 |
| Assets per employee ($millions) | 5.1624% | 2,171 |
| Cash dividends to net income (ytd only)* | 49.6042% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6388% | 5,550 |
| Loan loss allowance to noncurrent loans | 490.3226% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 5,174 |
| Noncurrent loans to loans | 0.1303% | 4,819 |
| Net loans and leases to total assets | 50.8867% | 4,749 |
| Net loans and leases to deposits | 63.0396% | 4,555 |
| Net loans and leases to core deposits | 64.5631% | 4,695 |
| Total domestic deposits to total assets | 80.7219% | 4,316 |
| Equity capital to assets | 18.4409% | 311 |
| Core capital (leverage) ratio | 17.9817% | 306 |
| Tier 1 risk-based capital ratio | 28.4398% | 557 |
| Total risk-based capital ratio | 28.9490% | 585 |
| Memoranda: | ||
| Average total assets | $47,509,250 | 5,447 |
| Average earning assets | $44,481,250 | 5,424 |
| Average equity | $8,394,500 | 4,912 |
| Average total loans | $22,911,500 | 5,477 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9053% | 3,589 |
| Cost of funding earning assets | 0.2472% | 4,688 |
| Net interest margin | 3.6581% | 2,864 |
| Noninterest income to average assets | 0.2800% | 4,781 |
| Noninterest expense to average assets | 1.7510% | 5,644 |
| Loan and lease loss provision to assets | 0.0585% | 2,971 |
| Net operating income to assets | 1.3958% | 1,065 |
| Return on assets (ROA) | 1.3958% | 1,124 |
| Pretax return on assets | 1.8722% | 740 |
| Return on Equity (ROE) | 8.0128% | 2,968 |
| Retained earnings to average equity (ytd only) | 5.0140% | 2,734 |
| Net charge-offs to loans | -0.0973% | 5,607 |
| Credit loss provision to net charge-offs | -127.2727% | 4,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5596% | 5,692 |
| Assets per employee ($millions) | 5.2561% | 2,029 |
| Cash dividends to net income (ytd only)* | 37.4251% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7010% | 5,514 |
| Loan loss allowance to noncurrent loans | 316.6667% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 5,109 |
| Noncurrent loans to loans | 0.2214% | 4,549 |
| Net loans and leases to total assets | 45.5132% | 5,158 |
| Net loans and leases to deposits | 55.9817% | 5,013 |
| Net loans and leases to core deposits | 57.2987% | 5,110 |
| Total domestic deposits to total assets | 81.3001% | 4,188 |
| Equity capital to assets | 18.0404% | 336 |
| Core capital (leverage) ratio | 17.2414% | 345 |
| Tier 1 risk-based capital ratio | 29.9433% | 496 |
| Total risk-based capital ratio | 30.4823% | 523 |
| Memoranda: | ||
| Average total assets | $47,858,330 | 5,503 |
| Average earning assets | $44,503,670 | 5,489 |
| Average equity | $8,336,670 | 4,962 |
| Average total loans | $22,617,000 | 5,546 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9127% | 3,545 |
| Cost of funding earning assets | 0.2417% | 4,789 |
| Net interest margin | 3.6710% | 2,796 |
| Noninterest income to average assets | 0.2576% | 4,889 |
| Noninterest expense to average assets | 1.8282% | 5,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6537% | 631 |
| Return on assets (ROA) | 1.6537% | 672 |
| Pretax return on assets | 1.8365% | 795 |
| Return on Equity (ROE) | 9.6625% | 2,129 |
| Retained earnings to average equity (ytd only) | 3.5931% | 3,700 |
| Net charge-offs to loans | -0.2079% | 5,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8866% | 5,632 |
| Assets per employee ($millions) | 4.6699% | 2,790 |
| Cash dividends to net income (ytd only)* | 62.8141% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6134% | 5,725 |
| Loan loss allowance to noncurrent loans | 408.8235% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 5,296 |
| Noncurrent loans to loans | 0.1501% | 4,873 |
| Net loans and leases to total assets | 48.2237% | 4,954 |
| Net loans and leases to deposits | 58.9483% | 4,782 |
| Net loans and leases to core deposits | 60.3430% | 4,919 |
| Total domestic deposits to total assets | 81.8069% | 4,282 |
| Equity capital to assets | 17.8676% | 336 |
| Core capital (leverage) ratio | 17.4178% | 338 |
| Tier 1 risk-based capital ratio | 28.8687% | 554 |
| Total risk-based capital ratio | 29.3517% | 586 |
| Memoranda: | ||
| Average total assets | $48,135,000 | 5,547 |
| Average earning assets | $44,675,000 | 5,534 |
| Average equity | $8,238,000 | 5,011 |
| Average total loans | $23,084,500 | 5,581 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7991% | 4,043 |
| Cost of funding earning assets | 0.2522% | 4,762 |
| Net interest margin | 3.5469% | 3,340 |
| Noninterest income to average assets | 0.2771% | 4,903 |
| Noninterest expense to average assets | 2.3493% | 4,651 |
| Loan and lease loss provision to assets | 0.6418% | 158 |
| Net operating income to assets | 0.4951% | 4,710 |
| Return on assets (ROA) | 0.4951% | 4,805 |
| Pretax return on assets | 0.5522% | 4,984 |
| Return on Equity (ROE) | 2.9727% | 5,313 |
| Retained earnings to average equity (ytd only) | -0.0856% | 5,526 |
| Net charge-offs to loans | 2.5722% | 45 |
| Credit loss provision to net charge-offs | 56.2500% | 3,308 |
| Earnings coverage of net charge-offs (x) | 1.0464% | 4,147 |
| Efficiency ratio | 66.3025% | 3,855 |
| Assets per employee ($millions) | 4.9571% | 2,415 |
| Cash dividends to net income (ytd only)* | 102.8807% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5402% | 5,885 |
| Loan loss allowance to noncurrent loans | 384.8485% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 5,371 |
| Noncurrent loans to loans | 0.1404% | 4,929 |
| Net loans and leases to total assets | 47.1707% | 5,079 |
| Net loans and leases to deposits | 57.2159% | 4,966 |
| Net loans and leases to core deposits | 58.4780% | 5,078 |
| Total domestic deposits to total assets | 82.4434% | 4,038 |
| Equity capital to assets | 16.4048% | 477 |
| Core capital (leverage) ratio | 17.1089% | 354 |
| Tier 1 risk-based capital ratio | 27.3282% | 639 |
| Total risk-based capital ratio | 27.7498% | 679 |
| Memoranda: | ||
| Average total assets | $49,077,800 | 5,565 |
| Average earning assets | $45,194,400 | 5,552 |
| Average equity | $8,174,400 | 5,029 |
| Average total loans | $21,771,600 | 5,654 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 4,191 |
| Cost of funding earning assets | 0.2539% | 4,835 |
| Net interest margin | 3.5129% | 3,492 |
| Noninterest income to average assets | 0.2724% | 4,990 |
| Noninterest expense to average assets | 1.7758% | 5,811 |
| Loan and lease loss provision to assets | 0.8171% | 84 |
| Net operating income to assets | 0.7245% | 3,792 |
| Return on assets (ROA) | 0.7245% | 3,897 |
| Pretax return on assets | 0.9206% | 3,912 |
| Return on Equity (ROE) | 4.3330% | 4,899 |
| Retained earnings to average equity (ytd only) | 0.2606% | 5,530 |
| Net charge-offs to loans | 3.3493% | 30 |
| Credit loss provision to net charge-offs | 55.9701% | 2,962 |
| Earnings coverage of net charge-offs (x) | 1.1903% | 3,871 |
| Efficiency ratio | 50.5426% | 5,749 |
| Assets per employee ($millions) | 4.7930% | 2,570 |
| Cash dividends to net income (ytd only)* | 93.9858% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6585% | 5,807 |
| Loan loss allowance to noncurrent loans | 149.4505% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 4,990 |
| Noncurrent loans to loans | 0.4406% | 4,025 |
| Net loans and leases to total assets | 42.8041% | 5,439 |
| Net loans and leases to deposits | 51.8120% | 5,378 |
| Net loans and leases to core deposits | 52.9924% | 5,462 |
| Total domestic deposits to total assets | 82.6142% | 3,950 |
| Equity capital to assets | 17.1020% | 425 |
| Core capital (leverage) ratio | 17.2614% | 355 |
| Tier 1 risk-based capital ratio | 29.7968% | 538 |
| Total risk-based capital ratio | 30.2876% | 557 |
| Memoranda: | ||
| Average total assets | $48,954,500 | 5,638 |
| Average earning assets | $45,165,500 | 5,624 |
| Average equity | $8,185,000 | 5,090 |
| Average total loans | $21,337,000 | 5,735 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 4,239 |
| Cost of funding earning assets | 0.2543% | 4,893 |
| Net interest margin | 3.4951% | 3,522 |
| Noninterest income to average assets | 0.2718% | 5,008 |
| Noninterest expense to average assets | 1.7648% | 5,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4484% | 994 |
| Return on assets (ROA) | 1.4484% | 1,034 |
| Pretax return on assets | 1.7405% | 997 |
| Return on Equity (ROE) | 8.7275% | 2,687 |
| Retained earnings to average equity (ytd only) | 5.6717% | 2,424 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3472% | 5,835 |
| Assets per employee ($millions) | 4.3449% | 3,223 |
| Cash dividends to net income (ytd only)* | 35.0140% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 1,280 |
| Loan loss allowance to noncurrent loans | 59.1415% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 1.3161% | 1,906 |
| Noncurrent loans to loans | 3.1230% | 617 |
| Net loans and leases to total assets | 41.3629% | 5,544 |
| Net loans and leases to deposits | 49.9747% | 5,506 |
| Net loans and leases to core deposits | 50.7184% | 5,586 |
| Total domestic deposits to total assets | 82.7677% | 4,040 |
| Equity capital to assets | 17.1235% | 405 |
| Core capital (leverage) ratio | 17.0466% | 362 |
| Tier 1 risk-based capital ratio | 30.8794% | 495 |
| Total risk-based capital ratio | 32.1295% | 492 |
| Memoranda: | ||
| Average total assets | $49,296,000 | 5,688 |
| Average earning assets | $45,607,000 | 5,668 |
| Average equity | $8,181,000 | 5,131 |
| Average total loans | $21,565,330 | 5,789 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,167 |
| Cost of funding earning assets | 0.2489% | 5,034 |
| Net interest margin | 3.5102% | 3,391 |
| Noninterest income to average assets | 0.2558% | 5,131 |
| Noninterest expense to average assets | 1.6544% | 6,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6864% | 610 |
| Return on assets (ROA) | 1.6864% | 638 |
| Pretax return on assets | 1.8702% | 756 |
| Return on Equity (ROE) | 10.3185% | 1,862 |
| Retained earnings to average equity (ytd only) | 4.2056% | 3,484 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9388% | 6,068 |
| Assets per employee ($millions) | 4.5838% | 2,918 |
| Cash dividends to net income (ytd only)* | 59.2417% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7662% | 1,569 |
| Loan loss allowance to noncurrent loans | 59.6154% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.2376% | 2,163 |
| Noncurrent loans to loans | 2.9627% | 747 |
| Net loans and leases to total assets | 41.0337% | 5,545 |
| Net loans and leases to deposits | 49.4562% | 5,492 |
| Net loans and leases to core deposits | 50.5361% | 5,563 |
| Total domestic deposits to total assets | 82.9697% | 4,188 |
| Equity capital to assets | 16.5662% | 480 |
| Core capital (leverage) ratio | 16.3937% | 423 |
| Tier 1 risk-based capital ratio | 29.5787% | 562 |
| Total risk-based capital ratio | 30.8291% | 553 |
| Memoranda: | ||
| Average total assets | $50,047,000 | 5,719 |
| Average earning assets | $46,607,000 | 5,691 |
| Average equity | $8,179,500 | 5,172 |
| Average total loans | $22,277,500 | 5,814 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8986% | 4,124 |
| Cost of funding earning assets | 0.2943% | 4,848 |
| Net interest margin | 3.6043% | 3,401 |
| Noninterest income to average assets | 0.2533% | 5,318 |
| Noninterest expense to average assets | 2.2197% | 5,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0622% | 2,119 |
| Return on assets (ROA) | 1.0470% | 2,246 |
| Pretax return on assets | 1.3840% | 1,937 |
| Return on Equity (ROE) | 6.7894% | 3,748 |
| Retained earnings to average equity (ytd only) | 0.3233% | 5,630 |
| Net charge-offs to loans | -0.0754% | 6,043 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2548% | 5,028 |
| Assets per employee ($millions) | 4.9672% | 2,362 |
| Cash dividends to net income (ytd only)* | 95.2381% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 2,148 |
| Loan loss allowance to noncurrent loans | 59.5200% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 1.2583% | 2,239 |
| Noncurrent loans to loans | 2.6604% | 920 |
| Net loans and leases to total assets | 46.5474% | 5,284 |
| Net loans and leases to deposits | 58.4498% | 5,033 |
| Net loans and leases to core deposits | 59.7998% | 5,156 |
| Total domestic deposits to total assets | 79.6364% | 5,112 |
| Equity capital to assets | 16.1177% | 521 |
| Core capital (leverage) ratio | 16.4576% | 420 |
| Tier 1 risk-based capital ratio | 25.8541% | 770 |
| Total risk-based capital ratio | 27.0212% | 763 |
| Memoranda: | ||
| Average total assets | $50,143,000 | 5,782 |
| Average earning assets | $46,888,800 | 5,757 |
| Average equity | $7,732,600 | 5,259 |
| Average total loans | $21,209,400 | 5,913 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8579% | 4,337 |
| Cost of funding earning assets | 0.2784% | 5,114 |
| Net interest margin | 3.5795% | 3,507 |
| Noninterest income to average assets | 0.2547% | 5,394 |
| Noninterest expense to average assets | 1.6447% | 6,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4444% | 1,039 |
| Return on assets (ROA) | 1.4404% | 1,089 |
| Pretax return on assets | 1.9471% | 643 |
| Return on Equity (ROE) | 9.4462% | 2,478 |
| Retained earnings to average equity (ytd only) | 5.0972% | 3,021 |
| Net charge-offs to loans | -0.1034% | 6,148 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7227% | 6,302 |
| Assets per employee ($millions) | 4.9738% | 2,269 |
| Cash dividends to net income (ytd only)* | 46.0413% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 1,753 |
| Loan loss allowance to noncurrent loans | 64.0275% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 1.1681% | 2,612 |
| Noncurrent loans to loans | 2.7700% | 1,010 |
| Net loans and leases to total assets | 41.4231% | 5,725 |
| Net loans and leases to deposits | 52.6810% | 5,492 |
| Net loans and leases to core deposits | 53.9106% | 5,572 |
| Total domestic deposits to total assets | 78.6300% | 5,407 |
| Equity capital to assets | 16.2049% | 532 |
| Core capital (leverage) ratio | 16.9678% | 377 |
| Tier 1 risk-based capital ratio | 28.3388% | 625 |
| Total risk-based capital ratio | 29.5777% | 605 |
| Memoranda: | ||
| Average total assets | $50,260,750 | 5,846 |
| Average earning assets | $46,933,000 | 5,814 |
| Average equity | $7,664,250 | 5,324 |
| Average total loans | $20,638,500 | 5,999 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 4,330 |
| Cost of funding earning assets | 0.2815% | 5,164 |
| Net interest margin | 3.5697% | 3,485 |
| Noninterest income to average assets | 0.2419% | 5,461 |
| Noninterest expense to average assets | 1.6021% | 6,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3959% | 1,073 |
| Return on assets (ROA) | 1.3959% | 1,117 |
| Pretax return on assets | 1.9590% | 606 |
| Return on Equity (ROE) | 9.3464% | 2,441 |
| Retained earnings to average equity (ytd only) | 6.0274% | 2,307 |
| Net charge-offs to loans | -0.1851% | 6,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9889% | 6,391 |
| Assets per employee ($millions) | 5.0711% | 2,126 |
| Cash dividends to net income (ytd only)* | 35.5114% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 1,629 |
| Loan loss allowance to noncurrent loans | 64.3225% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.1497% | 2,776 |
| Noncurrent loans to loans | 2.9216% | 1,015 |
| Net loans and leases to total assets | 38.6110% | 5,915 |
| Net loans and leases to deposits | 46.2950% | 5,869 |
| Net loans and leases to core deposits | 47.2924% | 5,939 |
| Total domestic deposits to total assets | 83.4020% | 4,151 |
| Equity capital to assets | 15.5844% | 604 |
| Core capital (leverage) ratio | 16.7576% | 383 |
| Tier 1 risk-based capital ratio | 28.7050% | 603 |
| Total risk-based capital ratio | 29.9561% | 588 |
| Memoranda: | ||
| Average total assets | $50,435,000 | 5,894 |
| Average earning assets | $46,894,330 | 5,864 |
| Average equity | $7,532,330 | 5,377 |
| Average total loans | $20,526,330 | 6,057 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8010% | 4,487 |
| Cost of funding earning assets | 0.2812% | 5,265 |
| Net interest margin | 3.5198% | 3,605 |
| Noninterest income to average assets | 0.2227% | 5,575 |
| Noninterest expense to average assets | 1.6780% | 6,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8291% | 461 |
| Return on assets (ROA) | 1.8291% | 482 |
| Pretax return on assets | 1.8291% | 770 |
| Return on Equity (ROE) | 12.5221% | 1,278 |
| Retained earnings to average equity (ytd only) | 5.7166% | 2,685 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8458% | 6,360 |
| Assets per employee ($millions) | 4.9985% | 2,250 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 2,105 |
| Loan loss allowance to noncurrent loans | 60.6474% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 1.1744% | 2,908 |
| Noncurrent loans to loans | 2.9351% | 1,100 |
| Net loans and leases to total assets | 39.2978% | 5,857 |
| Net loans and leases to deposits | 46.2678% | 5,832 |
| Net loans and leases to core deposits | 47.2596% | 5,918 |
| Total domestic deposits to total assets | 84.9355% | 3,906 |
| Equity capital to assets | 15.0325% | 668 |
| Core capital (leverage) ratio | 16.5139% | 417 |
| Tier 1 risk-based capital ratio | 28.2278% | 623 |
| Total risk-based capital ratio | 29.4355% | 618 |
| Memoranda: | ||
| Average total assets | $50,297,000 | 5,956 |
| Average earning assets | $46,934,500 | 5,923 |
| Average equity | $7,347,000 | 5,438 |
| Average total loans | $20,812,000 | 6,099 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7829% | 4,872 |
| Cost of funding earning assets | 0.3478% | 5,162 |
| Net interest margin | 3.4350% | 4,147 |
| Noninterest income to average assets | 0.2521% | 5,541 |
| Noninterest expense to average assets | 2.1844% | 5,668 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9183% | 2,692 |
| Return on assets (ROA) | 0.9199% | 2,768 |
| Pretax return on assets | 1.2015% | 2,578 |
| Return on Equity (ROE) | 5.9199% | 4,132 |
| Retained earnings to average equity (ytd only) | -0.4183% | 5,955 |
| Net charge-offs to loans | -0.0105% | 6,024 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5518% | 4,805 |
| Assets per employee ($millions) | 5.0609% | 2,116 |
| Cash dividends to net income (ytd only)* | 107.0664% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 2,586 |
| Loan loss allowance to noncurrent loans | 60.3390% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 1.1658% | 3,065 |
| Noncurrent loans to loans | 2.7283% | 1,326 |
| Net loans and leases to total assets | 42.0261% | 5,823 |
| Net loans and leases to deposits | 50.7456% | 5,710 |
| Net loans and leases to core deposits | 51.8465% | 5,804 |
| Total domestic deposits to total assets | 82.8173% | 4,603 |
| Equity capital to assets | 14.1872% | 855 |
| Core capital (leverage) ratio | 16.5472% | 412 |
| Tier 1 risk-based capital ratio | 26.4880% | 734 |
| Total risk-based capital ratio | 27.6359% | 719 |
| Memoranda: | ||
| Average total assets | $50,769,000 | 5,998 |
| Average earning assets | $46,287,600 | 5,981 |
| Average equity | $7,888,600 | 5,369 |
| Average total loans | $19,111,000 | 6,249 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7380% | 5,065 |
| Cost of funding earning assets | 0.3616% | 5,183 |
| Net interest margin | 3.3764% | 4,377 |
| Noninterest income to average assets | 0.2467% | 5,669 |
| Noninterest expense to average assets | 1.6034% | 6,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3074% | 1,337 |
| Return on assets (ROA) | 1.3095% | 1,381 |
| Pretax return on assets | 1.7083% | 1,074 |
| Return on Equity (ROE) | 8.2487% | 3,000 |
| Retained earnings to average equity (ytd only) | 4.1160% | 3,755 |
| Net charge-offs to loans | -0.0072% | 5,830 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4536% | 6,483 |
| Assets per employee ($millions) | 4.8990% | 2,311 |
| Cash dividends to net income (ytd only)* | 50.1007% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8644% | 2,103 |
| Loan loss allowance to noncurrent loans | 49.1690% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 1.4738% | 2,729 |
| Noncurrent loans to loans | 3.7918% | 959 |
| Net loans and leases to total assets | 38.1425% | 6,166 |
| Net loans and leases to deposits | 45.1462% | 6,149 |
| Net loans and leases to core deposits | 46.1383% | 6,205 |
| Total domestic deposits to total assets | 84.4866% | 3,985 |
| Equity capital to assets | 15.4766% | 630 |
| Core capital (leverage) ratio | 17.1155% | 379 |
| Tier 1 risk-based capital ratio | 33.0122% | 398 |
| Total risk-based capital ratio | 34.2632% | 391 |
| Memoranda: | ||
| Average total assets | $50,809,000 | 6,066 |
| Average earning assets | $46,083,500 | 6,053 |
| Average equity | $8,065,750 | 5,375 |
| Average total loans | $18,482,500 | 6,337 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 5,156 |
| Cost of funding earning assets | 0.3716% | 5,215 |
| Net interest margin | 3.3228% | 4,474 |
| Noninterest income to average assets | 0.2490% | 5,670 |
| Noninterest expense to average assets | 1.5521% | 6,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3731% | 1,133 |
| Return on assets (ROA) | 1.3731% | 1,217 |
| Pretax return on assets | 1.6882% | 1,140 |
| Return on Equity (ROE) | 8.5815% | 2,805 |
| Retained earnings to average equity (ytd only) | 5.5427% | 2,711 |
| Net charge-offs to loans | -0.0109% | 5,789 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8992% | 6,543 |
| Assets per employee ($millions) | 5.0463% | 2,063 |
| Cash dividends to net income (ytd only)* | 35.4108% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0235% | 1,799 |
| Loan loss allowance to noncurrent loans | 49.0331% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 1.4347% | 2,947 |
| Noncurrent loans to loans | 4.1268% | 925 |
| Net loans and leases to total assets | 34.0626% | 6,410 |
| Net loans and leases to deposits | 40.3384% | 6,395 |
| Net loans and leases to core deposits | 41.1979% | 6,430 |
| Total domestic deposits to total assets | 84.4421% | 4,150 |
| Equity capital to assets | 15.5223% | 616 |
| Core capital (leverage) ratio | 16.0603% | 456 |
| Tier 1 risk-based capital ratio | 34.3506% | 356 |
| Total risk-based capital ratio | 35.6028% | 350 |
| Memoranda: | ||
| Average total assets | $51,415,330 | 6,088 |
| Average earning assets | $46,286,000 | 6,091 |
| Average equity | $8,227,000 | 5,375 |
| Average total loans | $18,296,330 | 6,387 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6348% | 5,348 |
| Cost of funding earning assets | 0.3704% | 5,366 |
| Net interest margin | 3.2645% | 4,659 |
| Noninterest income to average assets | 0.2467% | 5,696 |
| Noninterest expense to average assets | 1.4800% | 6,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3798% | 1,071 |
| Return on assets (ROA) | 1.3798% | 1,161 |
| Pretax return on assets | 1.6881% | 1,107 |
| Return on Equity (ROE) | 8.4995% | 2,721 |
| Retained earnings to average equity (ytd only) | 2.5641% | 4,740 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7153% | 6,663 |
| Assets per employee ($millions) | 5.2397% | 1,936 |
| Cash dividends to net income (ytd only)* | 69.8324% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0465% | 1,925 |
| Loan loss allowance to noncurrent loans | 48.6264% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3894% | 3,189 |
| Noncurrent loans to loans | 4.2086% | 1,042 |
| Net loans and leases to total assets | 32.3377% | 6,501 |
| Net loans and leases to deposits | 38.7788% | 6,474 |
| Net loans and leases to core deposits | 39.5832% | 6,498 |
| Total domestic deposits to total assets | 83.3903% | 4,716 |
| Equity capital to assets | 16.0715% | 551 |
| Core capital (leverage) ratio | 15.8091% | 480 |
| Tier 1 risk-based capital ratio | 33.6413% | 390 |
| Total risk-based capital ratio | 34.8934% | 384 |
| Memoranda: | ||
| Average total assets | $51,891,500 | 6,128 |
| Average earning assets | $46,439,500 | 6,144 |
| Average equity | $8,424,000 | 5,383 |
| Average total loans | $18,672,500 | 6,421 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 5,127 |
| Cost of funding earning assets | 0.5042% | 5,189 |
| Net interest margin | 3.5503% | 4,299 |
| Noninterest income to average assets | 0.2935% | 5,367 |
| Noninterest expense to average assets | 2.2880% | 5,720 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8960% | 2,843 |
| Return on assets (ROA) | 0.9024% | 3,043 |
| Pretax return on assets | 1.1200% | 3,081 |
| Return on Equity (ROE) | 5.2335% | 4,569 |
| Retained earnings to average equity (ytd only) | -0.5558% | 5,945 |
| Net charge-offs to loans | -0.1020% | 6,830 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2930% | 4,269 |
| Assets per employee ($millions) | 4.6715% | 2,674 |
| Cash dividends to net income (ytd only)* | 110.6195% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7659% | 2,711 |
| Loan loss allowance to noncurrent loans | 48.6264% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 1.4167% | 3,279 |
| Noncurrent loans to loans | 3.6315% | 1,349 |
| Net loans and leases to total assets | 38.3237% | 6,279 |
| Net loans and leases to deposits | 46.1529% | 6,243 |
| Net loans and leases to core deposits | 47.1327% | 6,323 |
| Total domestic deposits to total assets | 83.0362% | 4,712 |
| Equity capital to assets | 16.3994% | 491 |
| Core capital (leverage) ratio | 16.5052% | 395 |
| Tier 1 risk-based capital ratio | 30.8129% | 481 |
| Total risk-based capital ratio | 32.0644% | 471 |
| Memoranda: | ||
| Average total assets | $50,087,200 | 6,210 |
| Average earning assets | $43,827,600 | 6,241 |
| Average equity | $8,636,600 | 5,324 |
| Average total loans | $18,620,400 | 6,483 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3186% | 4,378 |
| Cost of funding earning assets | 0.5294% | 5,250 |
| Net interest margin | 3.7892% | 3,382 |
| Noninterest income to average assets | 0.2867% | 5,492 |
| Noninterest expense to average assets | 1.6799% | 6,805 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5075% | 1,005 |
| Return on assets (ROA) | 1.5138% | 1,105 |
| Pretax return on assets | 1.9130% | 845 |
| Return on Equity (ROE) | 8.6697% | 2,965 |
| Retained earnings to average equity (ytd only) | 4.8336% | 3,482 |
| Net charge-offs to loans | -0.4015% | 7,082 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8610% | 6,777 |
| Assets per employee ($millions) | 4.4189% | 3,048 |
| Cash dividends to net income (ytd only)* | 44.2487% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0478% | 2,040 |
| Loan loss allowance to noncurrent loans | 53.2060% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 1.5080% | 3,327 |
| Noncurrent loans to loans | 3.8488% | 1,362 |
| Net loans and leases to total assets | 38.3785% | 6,397 |
| Net loans and leases to deposits | 48.0069% | 6,255 |
| Net loans and leases to core deposits | 49.4854% | 6,310 |
| Total domestic deposits to total assets | 79.9436% | 5,669 |
| Equity capital to assets | 18.2007% | 345 |
| Core capital (leverage) ratio | 17.3619% | 343 |
| Tier 1 risk-based capital ratio | 34.0315% | 386 |
| Total risk-based capital ratio | 35.2844% | 380 |
| Memoranda: | ||
| Average total assets | $49,762,500 | 6,290 |
| Average earning assets | $43,315,500 | 6,330 |
| Average equity | $8,689,000 | 5,354 |
| Average total loans | $18,263,750 | 6,585 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 3,630 |
| Cost of funding earning assets | 0.5563% | 5,253 |
| Net interest margin | 3.9777% | 2,601 |
| Noninterest income to average assets | 0.2752% | 5,609 |
| Noninterest expense to average assets | 1.6392% | 6,894 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7110% | 659 |
| Return on assets (ROA) | 1.7110% | 736 |
| Pretax return on assets | 2.0579% | 626 |
| Return on Equity (ROE) | 9.9348% | 2,385 |
| Retained earnings to average equity (ytd only) | 7.0400% | 2,079 |
| Net charge-offs to loans | -0.6110% | 7,148 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3366% | 6,943 |
| Assets per employee ($millions) | 4.6436% | 2,650 |
| Cash dividends to net income (ytd only)* | 29.1375% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2922% | 1,602 |
| Loan loss allowance to noncurrent loans | 53.0612% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.4389% | 3,553 |
| Noncurrent loans to loans | 4.3200% | 1,244 |
| Net loans and leases to total assets | 32.5450% | 6,788 |
| Net loans and leases to deposits | 39.6735% | 6,742 |
| Net loans and leases to core deposits | 40.8021% | 6,783 |
| Total domestic deposits to total assets | 82.0321% | 5,116 |
| Equity capital to assets | 17.2749% | 411 |
| Core capital (leverage) ratio | 16.8100% | 379 |
| Tier 1 risk-based capital ratio | 35.6196% | 326 |
| Total risk-based capital ratio | 36.8746% | 322 |
| Memoranda: | ||
| Average total assets | $50,147,330 | 6,322 |
| Average earning assets | $43,140,330 | 6,375 |
| Average equity | $8,636,330 | 5,369 |
| Average total loans | $18,003,330 | 6,650 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0679% | 1,670 |
| Cost of funding earning assets | 0.5734% | 5,331 |
| Net interest margin | 4.4945% | 1,021 |
| Noninterest income to average assets | 0.2898% | 5,552 |
| Noninterest expense to average assets | 1.7310% | 6,871 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.3832% | 209 |
| Return on assets (ROA) | 2.3832% | 260 |
| Pretax return on assets | 2.4718% | 346 |
| Return on Equity (ROE) | 13.8601% | 1,212 |
| Retained earnings to average equity (ytd only) | 8.0070% | 1,978 |
| Net charge-offs to loans | -1.1893% | 7,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1877% | 7,076 |
| Assets per employee ($millions) | 4.5658% | 2,868 |
| Cash dividends to net income (ytd only)* | 42.2297% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3885% | 1,528 |
| Loan loss allowance to noncurrent loans | 53.0612% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 1.4634% | 3,669 |
| Noncurrent loans to loans | 4.5015% | 1,298 |
| Net loans and leases to total assets | 31.7338% | 6,840 |
| Net loans and leases to deposits | 38.5469% | 6,802 |
| Net loans and leases to core deposits | 39.6556% | 6,826 |
| Total domestic deposits to total assets | 82.3252% | 5,186 |
| Equity capital to assets | 17.1293% | 410 |
| Core capital (leverage) ratio | 16.7474% | 382 |
| Tier 1 risk-based capital ratio | 36.0743% | 310 |
| Total risk-based capital ratio | 37.3312% | 304 |
| Memoranda: | ||
| Average total assets | $49,681,000 | 6,377 |
| Average earning assets | $43,253,000 | 6,420 |
| Average equity | $8,542,500 | 5,418 |
| Average total loans | $18,498,000 | 6,685 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 5,238 |
| Cost of funding earning assets | 0.7153% | 5,432 |
| Net interest margin | 3.7391% | 4,120 |
| Noninterest income to average assets | 0.3302% | 5,179 |
| Noninterest expense to average assets | 2.3772% | 5,835 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0584% | 1,968 |
| Return on assets (ROA) | 1.0584% | 2,111 |
| Pretax return on assets | 1.3611% | 1,908 |
| Return on Equity (ROE) | 5.9683% | 3,887 |
| Retained earnings to average equity (ytd only) | 1.4921% | 5,147 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5900% | 5,196 |
| Assets per employee ($millions) | 4.4671% | 2,968 |
| Cash dividends to net income (ytd only)* | 75.0000% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 3,511 |
| Loan loss allowance to noncurrent loans | 45.6403% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 1.4938% | 3,714 |
| Noncurrent loans to loans | 3.5514% | 1,803 |
| Net loans and leases to total assets | 41.3794% | 6,433 |
| Net loans and leases to deposits | 50.4166% | 6,329 |
| Net loans and leases to core deposits | 51.5804% | 6,450 |
| Total domestic deposits to total assets | 82.0750% | 5,105 |
| Equity capital to assets | 17.2616% | 417 |
| Core capital (leverage) ratio | 17.2941% | 347 |
| Tier 1 risk-based capital ratio | 30.8723% | 474 |
| Total risk-based capital ratio | 32.1227% | 465 |
| Memoranda: | ||
| Average total assets | $47,241,000 | 6,450 |
| Average earning assets | $43,059,000 | 6,415 |
| Average equity | $8,377,600 | 5,447 |
| Average total loans | $19,321,600 | 6,690 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4902% | 5,279 |
| Cost of funding earning assets | 0.7530% | 5,456 |
| Net interest margin | 3.7372% | 4,176 |
| Noninterest income to average assets | 0.3336% | 5,191 |
| Noninterest expense to average assets | 1.7049% | 7,092 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6992% | 629 |
| Return on assets (ROA) | 1.6992% | 689 |
| Pretax return on assets | 2.0670% | 550 |
| Return on Equity (ROE) | 9.5151% | 2,383 |
| Retained earnings to average equity (ytd only) | 5.5238% | 2,847 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2003% | 7,097 |
| Assets per employee ($millions) | 4.2416% | 3,377 |
| Cash dividends to net income (ytd only)* | 41.9468% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 3,862 |
| Loan loss allowance to noncurrent loans | 46.2069% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 1.5539% | 3,761 |
| Noncurrent loans to loans | 3.3677% | 2,049 |
| Net loans and leases to total assets | 45.4220% | 6,199 |
| Net loans and leases to deposits | 56.3779% | 5,993 |
| Net loans and leases to core deposits | 58.1618% | 6,115 |
| Total domestic deposits to total assets | 80.5671% | 5,581 |
| Equity capital to assets | 18.6763% | 335 |
| Core capital (leverage) ratio | 18.2190% | 309 |
| Tier 1 risk-based capital ratio | 31.4396% | 475 |
| Total risk-based capital ratio | 32.6763% | 468 |
| Memoranda: | ||
| Average total assets | $46,766,750 | 6,519 |
| Average earning assets | $43,026,000 | 6,480 |
| Average equity | $8,351,500 | 5,491 |
| Average total loans | $18,985,000 | 6,778 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 5,661 |
| Cost of funding earning assets | 0.7732% | 5,544 |
| Net interest margin | 3.6346% | 4,580 |
| Noninterest income to average assets | 0.3077% | 5,434 |
| Noninterest expense to average assets | 1.7221% | 7,158 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7007% | 600 |
| Return on assets (ROA) | 1.7007% | 649 |
| Pretax return on assets | 1.9400% | 653 |
| Return on Equity (ROE) | 9.6711% | 2,239 |
| Retained earnings to average equity (ytd only) | 6.6337% | 2,064 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0245% | 7,109 |
| Assets per employee ($millions) | 4.2686% | 3,216 |
| Cash dividends to net income (ytd only)* | 31.4070% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 3,223 |
| Loan loss allowance to noncurrent loans | 46.2069% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 1.5440% | 3,882 |
| Noncurrent loans to loans | 3.7448% | 1,873 |
| Net loans and leases to total assets | 40.5175% | 6,704 |
| Net loans and leases to deposits | 49.8663% | 6,607 |
| Net loans and leases to core deposits | 51.4161% | 6,693 |
| Total domestic deposits to total assets | 81.2523% | 5,445 |
| Equity capital to assets | 18.2217% | 368 |
| Core capital (leverage) ratio | 17.7265% | 356 |
| Tier 1 risk-based capital ratio | 33.4191% | 405 |
| Total risk-based capital ratio | 34.6697% | 393 |
| Memoranda: | ||
| Average total assets | $46,803,000 | 6,569 |
| Average earning assets | $43,196,000 | 6,536 |
| Average equity | $8,230,670 | 5,540 |
| Average total loans | $18,137,330 | 6,883 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 5,191 |
| Cost of funding earning assets | 0.8210% | 5,458 |
| Net interest margin | 3.7223% | 3,987 |
| Noninterest income to average assets | 0.2568% | 5,840 |
| Noninterest expense to average assets | 1.5837% | 7,314 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.2171% | 253 |
| Return on assets (ROA) | 2.2171% | 266 |
| Pretax return on assets | 2.0887% | 482 |
| Return on Equity (ROE) | 12.8409% | 1,235 |
| Retained earnings to average equity (ytd only) | 6.6435% | 2,306 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1235% | 7,315 |
| Assets per employee ($millions) | 4.3125% | 3,217 |
| Cash dividends to net income (ytd only)* | 48.2625% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 2,431 |
| Loan loss allowance to noncurrent loans | 46.1433% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 1.5305% | 3,949 |
| Noncurrent loans to loans | 4.3263% | 1,634 |
| Net loans and leases to total assets | 34.6691% | 7,064 |
| Net loans and leases to deposits | 42.0152% | 7,020 |
| Net loans and leases to core deposits | 42.9590% | 7,078 |
| Total domestic deposits to total assets | 82.5158% | 5,105 |
| Equity capital to assets | 17.2777% | 418 |
| Core capital (leverage) ratio | 17.4956% | 361 |
| Tier 1 risk-based capital ratio | 35.6775% | 331 |
| Total risk-based capital ratio | 36.9319% | 325 |
| Memoranda: | ||
| Average total assets | $46,727,000 | 6,618 |
| Average earning assets | $42,876,500 | 6,594 |
| Average equity | $8,068,000 | 5,584 |
| Average total loans | $17,526,000 | 6,967 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 6,363 |
| Cost of funding earning assets | 1.1162% | 5,045 |
| Net interest margin | 3.3971% | 5,641 |
| Noninterest income to average assets | 0.3512% | 5,291 |
| Noninterest expense to average assets | 2.4312% | 6,009 |
| Loan and lease loss provision to assets | 0.0046% | 7,024 |
| Net operating income to assets | 0.7800% | 2,885 |
| Return on assets (ROA) | 0.7800% | 3,010 |
| Pretax return on assets | 0.9487% | 3,107 |
| Return on Equity (ROE) | 4.1854% | 4,436 |
| Retained earnings to average equity (ytd only) | 1.1259% | 4,984 |
| Net charge-offs to loans | 0.0982% | 5,873 |
| Credit loss provision to net charge-offs | 11.7647% | 6,603 |
| Earnings coverage of net charge-offs (x) | 24.5882% | 860 |
| Efficiency ratio | 71.8329% | 3,823 |
| Assets per employee ($millions) | 4.1834% | 3,411 |
| Cash dividends to net income (ytd only)* | 73.0994% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 2,745 |
| Loan loss allowance to noncurrent loans | 44.8461% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 1.6233% | 3,875 |
| Noncurrent loans to loans | 4.0884% | 1,768 |
| Net loans and leases to total assets | 38.9769% | 7,022 |
| Net loans and leases to deposits | 47.5870% | 6,967 |
| Net loans and leases to core deposits | 49.0752% | 7,019 |
| Total domestic deposits to total assets | 81.9067% | 5,213 |
| Equity capital to assets | 17.2545% | 429 |
| Core capital (leverage) ratio | 17.7386% | 346 |
| Tier 1 risk-based capital ratio | 33.5180% | 388 |
| Total risk-based capital ratio | 34.7694% | 377 |
| Memoranda: | ||
| Average total assets | $43,847,400 | 6,741 |
| Average earning assets | $39,151,200 | 6,754 |
| Average equity | $8,171,200 | 5,661 |
| Average total loans | $17,315,800 | 7,066 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 6,427 |
| Cost of funding earning assets | 1.1720% | 5,026 |
| Net interest margin | 3.3938% | 5,705 |
| Noninterest income to average assets | 0.3664% | 5,225 |
| Noninterest expense to average assets | 1.8258% | 7,305 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2161% | 1,547 |
| Return on assets (ROA) | 1.2161% | 1,627 |
| Pretax return on assets | 1.5363% | 1,519 |
| Return on Equity (ROE) | 6.3999% | 3,623 |
| Retained earnings to average equity (ytd only) | 2.3494% | 4,760 |
| Net charge-offs to loans | -0.0156% | 7,321 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3040% | 6,762 |
| Assets per employee ($millions) | 4.0595% | 3,718 |
| Cash dividends to net income (ytd only)* | 63.2925% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9588% | 2,330 |
| Loan loss allowance to noncurrent loans | 42.2062% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 1.8677% | 3,648 |
| Noncurrent loans to loans | 4.6411% | 1,537 |
| Net loans and leases to total assets | 39.4545% | 7,108 |
| Net loans and leases to deposits | 49.0629% | 7,041 |
| Net loans and leases to core deposits | 51.2002% | 7,073 |
| Total domestic deposits to total assets | 80.4161% | 5,575 |
| Equity capital to assets | 18.8113% | 363 |
| Core capital (leverage) ratio | 18.5736% | 320 |
| Tier 1 risk-based capital ratio | 34.5851% | 359 |
| Total risk-based capital ratio | 35.8383% | 353 |
| Memoranda: | ||
| Average total assets | $43,305,000 | 6,842 |
| Average earning assets | $38,226,000 | 6,869 |
| Average equity | $8,229,000 | 5,718 |
| Average total loans | $17,077,000 | 7,165 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 6,764 |
| Cost of funding earning assets | 1.2121% | 5,061 |
| Net interest margin | 3.2606% | 6,131 |
| Noninterest income to average assets | 0.3453% | 5,384 |
| Noninterest expense to average assets | 1.8574% | 7,319 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9380% | 2,408 |
| Return on assets (ROA) | 0.9380% | 2,498 |
| Pretax return on assets | 1.3627% | 1,913 |
| Return on Equity (ROE) | 4.9192% | 4,325 |
| Retained earnings to average equity (ytd only) | 1.8600% | 4,941 |
| Net charge-offs to loans | -0.0238% | 7,311 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6812% | 6,425 |
| Assets per employee ($millions) | 3.9617% | 3,839 |
| Cash dividends to net income (ytd only)* | 62.1891% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0425% | 2,087 |
| Loan loss allowance to noncurrent loans | 46.2549% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 1.7463% | 3,827 |
| Noncurrent loans to loans | 4.4157% | 1,655 |
| Net loans and leases to total assets | 38.7388% | 7,232 |
| Net loans and leases to deposits | 48.1930% | 7,154 |
| Net loans and leases to core deposits | 50.3414% | 7,197 |
| Total domestic deposits to total assets | 80.3828% | 5,599 |
| Equity capital to assets | 18.9403% | 348 |
| Core capital (leverage) ratio | 18.5472% | 324 |
| Tier 1 risk-based capital ratio | 35.5896% | 332 |
| Total risk-based capital ratio | 36.8421% | 326 |
| Memoranda: | ||
| Average total assets | $42,855,330 | 6,906 |
| Average earning assets | $37,784,670 | 6,936 |
| Average equity | $8,172,000 | 5,741 |
| Average total loans | $16,779,330 | 7,232 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9949% | 5,043 |
| Cost of funding earning assets | 1.2461% | 5,135 |
| Net interest margin | 3.7488% | 4,016 |
| Noninterest income to average assets | 0.3012% | 5,741 |
| Noninterest expense to average assets | 1.7603% | 7,512 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8544% | 441 |
| Return on assets (ROA) | 1.8544% | 485 |
| Pretax return on assets | 1.8544% | 797 |
| Return on Equity (ROE) | 9.6913% | 2,211 |
| Retained earnings to average equity (ytd only) | 3.5420% | 4,024 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6979% | 7,393 |
| Assets per employee ($millions) | 3.8704% | 4,164 |
| Cash dividends to net income (ytd only)* | 63.4518% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1844% | 1,786 |
| Loan loss allowance to noncurrent loans | 43.8596% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 1.8744% | 3,670 |
| Noncurrent loans to loans | 4.9803% | 1,460 |
| Net loans and leases to total assets | 36.8135% | 7,398 |
| Net loans and leases to deposits | 45.8288% | 7,337 |
| Net loans and leases to core deposits | 47.9194% | 7,368 |
| Total domestic deposits to total assets | 80.3284% | 5,674 |
| Equity capital to assets | 19.2089% | 325 |
| Core capital (leverage) ratio | 19.0997% | 305 |
| Tier 1 risk-based capital ratio | 37.0989% | 306 |
| Total risk-based capital ratio | 38.3551% | 298 |
| Memoranda: | ||
| Average total assets | $42,493,500 | 6,998 |
| Average earning assets | $37,558,500 | 7,033 |
| Average equity | $8,131,000 | 5,800 |
| Average total loans | $16,552,000 | 7,333 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2042% | 5,630 |
| Cost of funding earning assets | 1.4873% | 5,562 |
| Net interest margin | 3.7169% | 4,057 |
| Noninterest income to average assets | 0.3049% | 5,911 |
| Noninterest expense to average assets | 2.7056% | 5,365 |
| Loan and lease loss provision to assets | 0.2353% | 5,487 |
| Net operating income to assets | 0.6554% | 3,115 |
| Return on assets (ROA) | 0.6554% | 3,167 |
| Pretax return on assets | 0.7418% | 3,437 |
| Return on Equity (ROE) | 3.3604% | 4,353 |
| Retained earnings to average equity (ytd only) | 0.8986% | 4,396 |
| Net charge-offs to loans | 0.5812% | 3,479 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 4.1531% | 3,035 |
| Efficiency ratio | 73.4681% | 4,002 |
| Assets per employee ($millions) | 3.8557% | 4,130 |
| Cash dividends to net income (ytd only)* | 73.2601% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0491% | 1,917 |
| Loan loss allowance to noncurrent loans | 42.7873% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 1.9287% | 3,487 |
| Noncurrent loans to loans | 4.7889% | 1,446 |
| Net loans and leases to total assets | 39.4478% | 7,374 |
| Net loans and leases to deposits | 49.0128% | 7,310 |
| Net loans and leases to core deposits | 53.7387% | 7,478 |
| Total domestic deposits to total assets | 80.4848% | 5,522 |
| Equity capital to assets | 19.0602% | 358 |
| Core capital (leverage) ratio | 19.2301% | 327 |
| Tier 1 risk-based capital ratio | 35.1707% | 340 |
| Total risk-based capital ratio | 36.4246% | 336 |
| Memoranda: | ||
| Average total assets | $41,655,000 | 7,032 |
| Average earning assets | $37,854,000 | 7,021 |
| Average equity | $8,124,000 | 5,879 |
| Average total loans | $16,861,800 | 7,363 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2676% | 5,584 |
| Cost of funding earning assets | 1.5495% | 5,637 |
| Net interest margin | 3.7181% | 3,999 |
| Noninterest income to average assets | 0.2830% | 6,215 |
| Noninterest expense to average assets | 2.1029% | 7,192 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2122% | 1,436 |
| Return on assets (ROA) | 1.2122% | 1,496 |
| Pretax return on assets | 1.5595% | 1,266 |
| Return on Equity (ROE) | 6.1796% | 3,450 |
| Retained earnings to average equity (ytd only) | 2.9013% | 3,702 |
| Net charge-offs to loans | -0.0397% | 7,836 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4188% | 6,801 |
| Assets per employee ($millions) | 3.7026% | 4,420 |
| Cash dividends to net income (ytd only)* | 53.0508% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 1,755 |
| Loan loss allowance to noncurrent loans | 37.3291% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 2.3349% | 2,944 |
| Noncurrent loans to loans | 5.4129% | 1,162 |
| Net loans and leases to total assets | 42.2647% | 7,345 |
| Net loans and leases to deposits | 53.4962% | 7,239 |
| Net loans and leases to core deposits | 57.8797% | 7,471 |
| Total domestic deposits to total assets | 79.0051% | 5,802 |
| Equity capital to assets | 20.2509% | 322 |
| Core capital (leverage) ratio | 19.9834% | 311 |
| Tier 1 risk-based capital ratio | 35.8168% | 361 |
| Total risk-based capital ratio | 37.0688% | 353 |
| Memoranda: | ||
| Average total assets | $41,465,500 | 7,087 |
| Average earning assets | $37,688,250 | 7,081 |
| Average equity | $8,134,000 | 5,933 |
| Average total loans | $16,807,000 | 7,431 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1779% | 6,153 |
| Cost of funding earning assets | 1.6049% | 5,725 |
| Net interest margin | 3.5729% | 4,480 |
| Noninterest income to average assets | 0.2493% | 6,502 |
| Noninterest expense to average assets | 1.9323% | 7,583 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4049% | 1,023 |
| Return on assets (ROA) | 1.4049% | 1,089 |
| Pretax return on assets | 1.5727% | 1,273 |
| Return on Equity (ROE) | 7.2381% | 3,094 |
| Retained earnings to average equity (ytd only) | 4.7678% | 2,657 |
| Net charge-offs to loans | -0.0604% | 7,877 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1300% | 7,215 |
| Assets per employee ($millions) | 3.8080% | 4,078 |
| Cash dividends to net income (ytd only)* | 34.1297% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1178% | 1,359 |
| Loan loss allowance to noncurrent loans | 78.0220% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0862% | 4,787 |
| Noncurrent loans to loans | 2.7143% | 2,653 |
| Net loans and leases to total assets | 39.1711% | 7,588 |
| Net loans and leases to deposits | 48.8581% | 7,531 |
| Net loans and leases to core deposits | 52.4251% | 7,697 |
| Total domestic deposits to total assets | 80.1733% | 5,407 |
| Equity capital to assets | 19.4184% | 423 |
| Core capital (leverage) ratio | 19.5643% | 384 |
| Tier 1 risk-based capital ratio | 36.6092% | 380 |
| Total risk-based capital ratio | 37.8639% | 371 |
| Memoranda: | ||
| Average total assets | $41,711,000 | 7,145 |
| Average earning assets | $38,008,000 | 7,127 |
| Average equity | $8,096,000 | 5,986 |
| Average total loans | $16,553,000 | 7,511 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2433% | 6,140 |
| Cost of funding earning assets | 1.6431% | 5,846 |
| Net interest margin | 3.6002% | 4,314 |
| Noninterest income to average assets | 0.2403% | 6,534 |
| Noninterest expense to average assets | 1.7683% | 7,737 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7779% | 553 |
| Return on assets (ROA) | 1.7779% | 609 |
| Pretax return on assets | 1.7779% | 1,022 |
| Return on Equity (ROE) | 9.1618% | 2,649 |
| Retained earnings to average equity (ytd only) | 4.2095% | 3,567 |
| Net charge-offs to loans | -0.0243% | 7,490 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8645% | 7,598 |
| Assets per employee ($millions) | 3.6984% | 4,347 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2689% | 984 |
| Loan loss allowance to noncurrent loans | 67.2414% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.2831% | 4,112 |
| Noncurrent loans to loans | 3.3743% | 1,901 |
| Net loans and leases to total assets | 37.1639% | 7,690 |
| Net loans and leases to deposits | 46.6938% | 7,639 |
| Net loans and leases to core deposits | 50.5466% | 7,774 |
| Total domestic deposits to total assets | 79.5905% | 5,509 |
| Equity capital to assets | 19.9499% | 422 |
| Core capital (leverage) ratio | 19.1873% | 438 |
| Tier 1 risk-based capital ratio | 38.2260% | 357 |
| Total risk-based capital ratio | 39.4830% | 347 |
| Memoranda: | ||
| Average total assets | $41,622,500 | 7,186 |
| Average earning assets | $38,220,500 | 7,161 |
| Average equity | $8,077,000 | 6,025 |
| Average total loans | $16,448,000 | 7,558 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9093% | 5,993 |
| Cost of funding earning assets | 2.0187% | 6,351 |
| Net interest margin | 3.8906% | 3,608 |
| Noninterest income to average assets | 0.2572% | 6,609 |
| Noninterest expense to average assets | 2.3101% | 6,666 |
| Loan and lease loss provision to assets | 0.4382% | 3,097 |
| Net operating income to assets | 0.9026% | 2,988 |
| Return on assets (ROA) | 0.9026% | 2,835 |
| Pretax return on assets | 1.1074% | 3,004 |
| Return on Equity (ROE) | 4.6887% | 4,516 |
| Retained earnings to average equity (ytd only) | 0.9773% | 4,647 |
| Net charge-offs to loans | 1.0752% | 1,136 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 3.5272% | 4,327 |
| Efficiency ratio | 59.9135% | 6,356 |
| Assets per employee ($millions) | 3.8694% | 3,810 |
| Cash dividends to net income (ytd only)* | 79.1557% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0085% | 1,203 |
| Loan loss allowance to noncurrent loans | 63.7523% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 1.2899% | 3,643 |
| Noncurrent loans to loans | 3.1505% | 1,679 |
| Net loans and leases to total assets | 40.1194% | 7,668 |
| Net loans and leases to deposits | 49.7451% | 7,635 |
| Net loans and leases to core deposits | 54.7238% | 7,778 |
| Total domestic deposits to total assets | 80.6499% | 4,790 |
| Equity capital to assets | 18.8849% | 559 |
| Core capital (leverage) ratio | 18.9274% | 518 |
| Tier 1 risk-based capital ratio | 34.6959% | 455 |
| Total risk-based capital ratio | 35.9487% | 444 |
| Memoranda: | ||
| Average total assets | $41,989,200 | 7,130 |
| Average earning assets | $38,836,800 | 7,095 |
| Average equity | $8,083,200 | 6,054 |
| Average total loans | $17,113,200 | 7,516 |