Home > Iowa State Savings Bank > Performance and Condition Ratios
Iowa State Savings Bank, 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 | 2.4242% | 5,218 |
| Cost of funding earning assets | 0.3710% | 4,595 |
| Net interest margin | 2.0532% | 5,177 |
| Noninterest income to average assets | 0.3778% | 3,451 |
| Noninterest expense to average assets | 1.2746% | 5,155 |
| Loan and lease loss provision to assets | 0.0622% | 2,652 |
| Net operating income to assets | 0.8522% | 3,511 |
| Return on assets (ROA) | 0.8522% | 3,593 |
| Pretax return on assets | 0.8968% | 3,879 |
| Return on Equity (ROE) | 7.0833% | 3,642 |
| Retained earnings to average equity (ytd only) | 7.0833% | 1,824 |
| Net charge-offs to loans | 0.0861% | 1,617 |
| Credit loss provision to net charge-offs | 173.4694% | 1,473 |
| Earnings coverage of net charge-offs (x) | 26.7353% | 1,729 |
| Efficiency ratio | 57.0633% | 4,056 |
| Assets per employee ($millions) | 6.2978% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 1,119 |
| Loan loss allowance to noncurrent loans | 55.0745% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 1.8682% | 508 |
| Noncurrent loans to loans | 2.8132% | 375 |
| Net loans and leases to total assets | 41.1587% | 4,776 |
| Net loans and leases to deposits | 48.9567% | 4,801 |
| Net loans and leases to core deposits | 50.0996% | 4,831 |
| Total domestic deposits to total assets | 84.0717% | 2,795 |
| Equity capital to assets | 15.7126% | 697 |
| Core capital (leverage) ratio | 8.9442% | 4,675 |
| Tier 1 risk-based capital ratio | 16.9428% | 2,101 |
| Total risk-based capital ratio | 18.1934% | 2,048 |
| Memoranda: | ||
| Average total assets | $182,119,500 | 3,022 |
| Average earning assets | $164,614,750 | 3,072 |
| Average equity | $21,910,000 | 2,992 |
| Average total loans | $75,895,500 | 3,708 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4928% | 5,290 |
| Cost of funding earning assets | 0.2488% | 4,962 |
| Net interest margin | 1.2440% | 5,282 |
| Noninterest income to average assets | 0.2473% | 4,270 |
| Noninterest expense to average assets | 0.7398% | 5,276 |
| Loan and lease loss provision to assets | 0.0385% | 3,045 |
| Net operating income to assets | 0.5749% | 4,371 |
| Return on assets (ROA) | 0.5749% | 4,408 |
| Pretax return on assets | 0.6068% | 4,531 |
| Return on Equity (ROE) | 5.3238% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.3238% | 2,613 |
| Net charge-offs to loans | 0.0687% | 1,676 |
| Credit loss provision to net charge-offs | 134.6154% | 1,621 |
| Earnings coverage of net charge-offs (x) | 22.5769% | 1,687 |
| Efficiency ratio | 53.4127% | 4,525 |
| Assets per employee ($millions) | 6.8332% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0119% | 5,249 |
| Loan loss allowance to noncurrent loans | 0.3463% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.3115% | 959 |
| Noncurrent loans to loans | 3.4415% | 248 |
| Net loans and leases to total assets | 38.1050% | 4,913 |
| Net loans and leases to deposits | 44.6464% | 4,939 |
| Net loans and leases to core deposits | 45.7559% | 4,964 |
| Total domestic deposits to total assets | 85.3484% | 2,324 |
| Equity capital to assets | 14.1298% | 1,078 |
| Core capital (leverage) ratio | 8.0353% | 5,158 |
| Tier 1 risk-based capital ratio | 14.8275% | 2,905 |
| Total risk-based capital ratio | 14.8363% | 3,430 |
| Memoranda: | ||
| Average total assets | $181,947,000 | 3,031 |
| Average earning assets | $166,402,670 | 3,070 |
| Average equity | $19,647,670 | 3,181 |
| Average total loans | $75,742,670 | 3,734 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 3,502 |
| Cost of funding earning assets | 0.6640% | 3,240 |
| Net interest margin | 3.6556% | 3,059 |
| Noninterest income to average assets | 0.8721% | 1,109 |
| Noninterest expense to average assets | 2.8440% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2747% | 1,798 |
| Return on assets (ROA) | 1.2747% | 1,844 |
| Pretax return on assets | 1.4105% | 2,047 |
| Return on Equity (ROE) | 14.3231% | 896 |
| Retained earnings to average equity (ytd only) | 3.9040% | 3,347 |
| Net charge-offs to loans | 0.0105% | 2,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 306.5000% | 267 |
| Efficiency ratio | 66.8469% | 2,818 |
| Assets per employee ($millions) | 5.1239% | 2,365 |
| Cash dividends to net income (ytd only)* | 72.7437% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 1,041 |
| Loan loss allowance to noncurrent loans | 51.3582% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.3137% | 987 |
| Noncurrent loans to loans | 3.1326% | 330 |
| Net loans and leases to total assets | 41.2618% | 4,855 |
| Net loans and leases to deposits | 45.5050% | 4,942 |
| Net loans and leases to core deposits | 46.5054% | 4,974 |
| Total domestic deposits to total assets | 90.6751% | 236 |
| Equity capital to assets | 8.8191% | 4,809 |
| Core capital (leverage) ratio | 9.2706% | 4,390 |
| Tier 1 risk-based capital ratio | 15.4673% | 2,666 |
| Total risk-based capital ratio | 16.6468% | 2,621 |
| Memoranda: | ||
| Average total assets | $173,839,000 | 3,154 |
| Average earning assets | $160,848,500 | 3,157 |
| Average equity | $15,471,500 | 3,647 |
| Average total loans | $75,854,500 | 3,769 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 2,073 |
| Cost of funding earning assets | 0.6012% | 2,708 |
| Net interest margin | 4.0221% | 1,916 |
| Noninterest income to average assets | 0.8734% | 1,255 |
| Noninterest expense to average assets | 2.6716% | 3,120 |
| Loan and lease loss provision to assets | 0.0700% | 2,736 |
| Net operating income to assets | 1.4611% | 1,235 |
| Return on assets (ROA) | 1.4611% | 1,225 |
| Pretax return on assets | 1.5492% | 1,626 |
| Return on Equity (ROE) | 17.6010% | 429 |
| Retained earnings to average equity (ytd only) | 11.6661% | 348 |
| Net charge-offs to loans | 0.0991% | 1,772 |
| Credit loss provision to net charge-offs | 157.8947% | 1,756 |
| Earnings coverage of net charge-offs (x) | 36.5395% | 1,414 |
| Efficiency ratio | 62.2639% | 3,473 |
| Assets per employee ($millions) | 4.5497% | 3,087 |
| Cash dividends to net income (ytd only)* | 33.7191% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 1,060 |
| Loan loss allowance to noncurrent loans | 75.0000% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.9600% | 1,423 |
| Noncurrent loans to loans | 2.1124% | 623 |
| Net loans and leases to total assets | 44.7244% | 4,792 |
| Net loans and leases to deposits | 49.4324% | 4,903 |
| Net loans and leases to core deposits | 50.4067% | 4,932 |
| Total domestic deposits to total assets | 90.4758% | 331 |
| Equity capital to assets | 8.9860% | 4,592 |
| Core capital (leverage) ratio | 9.1589% | 4,498 |
| Tier 1 risk-based capital ratio | 15.3181% | 2,691 |
| Total risk-based capital ratio | 16.4972% | 2,656 |
| Memoranda: | ||
| Average total assets | $171,509,600 | 3,156 |
| Average earning assets | $145,719,000 | 3,303 |
| Average equity | $14,237,800 | 3,723 |
| Average total loans | $76,709,800 | 3,734 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5783% | 2,042 |
| Cost of funding earning assets | 0.5869% | 2,570 |
| Net interest margin | 3.9914% | 1,982 |
| Noninterest income to average assets | 0.8636% | 1,303 |
| Noninterest expense to average assets | 2.5791% | 3,346 |
| Loan and lease loss provision to assets | 0.0851% | 2,266 |
| Net operating income to assets | 1.4478% | 1,331 |
| Return on assets (ROA) | 1.4478% | 1,336 |
| Pretax return on assets | 1.5252% | 1,820 |
| Return on Equity (ROE) | 17.7989% | 448 |
| Retained earnings to average equity (ytd only) | 12.5858% | 407 |
| Net charge-offs to loans | 0.0834% | 1,687 |
| Credit loss provision to net charge-offs | 229.1667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 43.3531% | 1,283 |
| Efficiency ratio | 61.5626% | 3,579 |
| Assets per employee ($millions) | 4.4739% | 3,162 |
| Cash dividends to net income (ytd only)* | 29.2893% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 1,104 |
| Loan loss allowance to noncurrent loans | 53.6681% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.3470% | 1,003 |
| Noncurrent loans to loans | 2.9611% | 373 |
| Net loans and leases to total assets | 44.7676% | 4,853 |
| Net loans and leases to deposits | 49.1794% | 4,978 |
| Net loans and leases to core deposits | 50.2317% | 5,017 |
| Total domestic deposits to total assets | 91.0292% | 208 |
| Equity capital to assets | 8.4626% | 4,947 |
| Core capital (leverage) ratio | 9.0393% | 4,671 |
| Tier 1 risk-based capital ratio | 14.7826% | 2,981 |
| Total risk-based capital ratio | 15.9602% | 2,940 |
| Memoranda: | ||
| Average total assets | $172,302,000 | 3,172 |
| Average earning assets | $143,572,500 | 3,354 |
| Average equity | $14,015,500 | 3,773 |
| Average total loans | $76,762,000 | 3,764 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 1,676 |
| Cost of funding earning assets | 0.5781% | 2,375 |
| Net interest margin | 4.0569% | 1,681 |
| Noninterest income to average assets | 0.8517% | 1,314 |
| Noninterest expense to average assets | 2.5516% | 3,471 |
| Loan and lease loss provision to assets | 0.1040% | 1,869 |
| Net operating income to assets | 1.3602% | 1,569 |
| Return on assets (ROA) | 1.3602% | 1,572 |
| Pretax return on assets | 1.4318% | 2,049 |
| Return on Equity (ROE) | 16.9454% | 530 |
| Retained earnings to average equity (ytd only) | 11.6905% | 562 |
| Net charge-offs to loans | 0.0653% | 1,690 |
| Credit loss provision to net charge-offs | 360.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 53.1600% | 1,082 |
| Efficiency ratio | 62.4258% | 3,572 |
| Assets per employee ($millions) | 5.4286% | 1,963 |
| Cash dividends to net income (ytd only)* | 31.0110% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 1,059 |
| Loan loss allowance to noncurrent loans | 57.2158% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.2405% | 1,148 |
| Noncurrent loans to loans | 2.8323% | 418 |
| Net loans and leases to total assets | 43.0901% | 4,946 |
| Net loans and leases to deposits | 47.2018% | 5,056 |
| Net loans and leases to core deposits | 48.2658% | 5,083 |
| Total domestic deposits to total assets | 91.2892% | 189 |
| Equity capital to assets | 8.1225% | 5,182 |
| Core capital (leverage) ratio | 8.5930% | 5,050 |
| Tier 1 risk-based capital ratio | 14.3718% | 3,170 |
| Total risk-based capital ratio | 15.5608% | 3,126 |
| Memoranda: | ||
| Average total assets | $173,067,000 | 3,177 |
| Average earning assets | $138,037,330 | 3,441 |
| Average equity | $13,891,670 | 3,809 |
| Average total loans | $76,570,330 | 3,789 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4385% | 2,058 |
| Cost of funding earning assets | 0.5670% | 2,269 |
| Net interest margin | 3.8714% | 2,153 |
| Noninterest income to average assets | 0.8475% | 1,311 |
| Noninterest expense to average assets | 2.5495% | 3,494 |
| Loan and lease loss provision to assets | 0.1042% | 1,779 |
| Net operating income to assets | 1.2458% | 1,825 |
| Return on assets (ROA) | 1.2458% | 1,837 |
| Pretax return on assets | 1.3083% | 2,334 |
| Return on Equity (ROE) | 15.6140% | 684 |
| Retained earnings to average equity (ytd only) | 15.6140% | 274 |
| Net charge-offs to loans | 0.1146% | 1,096 |
| Credit loss provision to net charge-offs | 204.5455% | 1,033 |
| Earnings coverage of net charge-offs (x) | 27.7273% | 1,294 |
| Efficiency ratio | 64.3483% | 3,426 |
| Assets per employee ($millions) | 5.4038% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 1,260 |
| Loan loss allowance to noncurrent loans | 72.2694% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.1389% | 1,353 |
| Noncurrent loans to loans | 2.1560% | 708 |
| Net loans and leases to total assets | 42.1968% | 4,974 |
| Net loans and leases to deposits | 45.9970% | 5,097 |
| Net loans and leases to core deposits | 47.0003% | 5,121 |
| Total domestic deposits to total assets | 91.7381% | 142 |
| Equity capital to assets | 7.7780% | 5,343 |
| Core capital (leverage) ratio | 8.7474% | 4,954 |
| Tier 1 risk-based capital ratio | 14.1230% | 3,316 |
| Total risk-based capital ratio | 15.2728% | 3,284 |
| Memoranda: | ||
| Average total assets | $172,743,000 | 3,216 |
| Average earning assets | $138,967,000 | 3,466 |
| Average equity | $13,782,500 | 3,857 |
| Average total loans | $76,812,000 | 3,811 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 2,196 |
| Cost of funding earning assets | 0.4337% | 2,924 |
| Net interest margin | 3.9111% | 2,050 |
| Noninterest income to average assets | 1.0504% | 919 |
| Noninterest expense to average assets | 2.7520% | 2,949 |
| Loan and lease loss provision to assets | 0.1293% | 1,772 |
| Net operating income to assets | 1.4338% | 939 |
| Return on assets (ROA) | 1.4350% | 954 |
| Pretax return on assets | 1.5090% | 1,604 |
| Return on Equity (ROE) | 17.4762% | 350 |
| Retained earnings to average equity (ytd only) | 12.9677% | 134 |
| Net charge-offs to loans | 0.1944% | 1,311 |
| Credit loss provision to net charge-offs | 140.1361% | 1,887 |
| Earnings coverage of net charge-offs (x) | 17.7483% | 2,109 |
| Efficiency ratio | 62.7019% | 3,830 |
| Assets per employee ($millions) | 4.5179% | 3,153 |
| Cash dividends to net income (ytd only)* | 25.7980% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 1,360 |
| Loan loss allowance to noncurrent loans | 224.1843% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 3,642 |
| Noncurrent loans to loans | 0.6750% | 2,526 |
| Net loans and leases to total assets | 45.4756% | 4,914 |
| Net loans and leases to deposits | 50.0751% | 5,055 |
| Net loans and leases to core deposits | 51.2537% | 5,090 |
| Total domestic deposits to total assets | 90.8149% | 292 |
| Equity capital to assets | 8.1927% | 5,306 |
| Core capital (leverage) ratio | 8.3021% | 5,283 |
| Tier 1 risk-based capital ratio | 13.9882% | 3,367 |
| Total risk-based capital ratio | 15.1493% | 3,325 |
| Memoranda: | ||
| Average total assets | $159,372,800 | 3,357 |
| Average earning assets | $136,047,200 | 3,506 |
| Average equity | $13,086,400 | 3,973 |
| Average total loans | $75,615,800 | 3,827 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 2,496 |
| Cost of funding earning assets | 0.4046% | 3,142 |
| Net interest margin | 3.8308% | 2,284 |
| Noninterest income to average assets | 1.0815% | 871 |
| Noninterest expense to average assets | 2.7644% | 2,845 |
| Loan and lease loss provision to assets | 0.1186% | 1,826 |
| Net operating income to assets | 1.4407% | 1,006 |
| Return on assets (ROA) | 1.4423% | 1,021 |
| Pretax return on assets | 1.5203% | 1,707 |
| Return on Equity (ROE) | 17.5550% | 373 |
| Retained earnings to average equity (ytd only) | 13.4626% | 184 |
| Net charge-offs to loans | 0.1010% | 1,774 |
| Credit loss provision to net charge-offs | 245.6140% | 1,148 |
| Earnings coverage of net charge-offs (x) | 33.9114% | 1,456 |
| Efficiency ratio | 62.8055% | 3,754 |
| Assets per employee ($millions) | 4.8471% | 2,633 |
| Cash dividends to net income (ytd only)* | 23.3118% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 1,436 |
| Loan loss allowance to noncurrent loans | 238.1238% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 3,849 |
| Noncurrent loans to loans | 0.6418% | 2,789 |
| Net loans and leases to total assets | 46.6438% | 4,901 |
| Net loans and leases to deposits | 51.4597% | 5,076 |
| Net loans and leases to core deposits | 52.6933% | 5,117 |
| Total domestic deposits to total assets | 90.6414% | 281 |
| Equity capital to assets | 8.3556% | 5,367 |
| Core capital (leverage) ratio | 8.6720% | 5,090 |
| Tier 1 risk-based capital ratio | 13.4182% | 3,750 |
| Total risk-based capital ratio | 14.5905% | 3,711 |
| Memoranda: | ||
| Average total assets | $157,425,500 | 3,408 |
| Average earning assets | $136,433,250 | 3,530 |
| Average equity | $12,934,250 | 4,032 |
| Average total loans | $75,223,250 | 3,871 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1524% | 2,658 |
| Cost of funding earning assets | 0.3724% | 3,359 |
| Net interest margin | 3.7799% | 2,359 |
| Noninterest income to average assets | 1.1499% | 762 |
| Noninterest expense to average assets | 2.7890% | 2,805 |
| Loan and lease loss provision to assets | 0.1226% | 1,688 |
| Net operating income to assets | 1.4856% | 895 |
| Return on assets (ROA) | 1.4881% | 911 |
| Pretax return on assets | 1.5681% | 1,437 |
| Return on Equity (ROE) | 18.2211% | 315 |
| Retained earnings to average equity (ytd only) | 14.5231% | 159 |
| Net charge-offs to loans | 0.0646% | 2,011 |
| Credit loss provision to net charge-offs | 395.8333% | 789 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 1,013 |
| Efficiency ratio | 62.2946% | 3,944 |
| Assets per employee ($millions) | 4.5844% | 2,969 |
| Cash dividends to net income (ytd only)* | 20.2949% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5845% | 1,303 |
| Loan loss allowance to noncurrent loans | 287.8049% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 4,073 |
| Noncurrent loans to loans | 0.5506% | 3,089 |
| Net loans and leases to total assets | 47.0206% | 4,883 |
| Net loans and leases to deposits | 52.0733% | 5,055 |
| Net loans and leases to core deposits | 53.3985% | 5,108 |
| Total domestic deposits to total assets | 90.2969% | 426 |
| Equity capital to assets | 8.5996% | 5,228 |
| Core capital (leverage) ratio | 8.3782% | 5,300 |
| Tier 1 risk-based capital ratio | 13.6087% | 3,632 |
| Total risk-based capital ratio | 14.8189% | 3,575 |
| Memoranda: | ||
| Average total assets | $154,967,330 | 3,453 |
| Average earning assets | $136,404,670 | 3,549 |
| Average equity | $12,655,670 | 4,086 |
| Average total loans | $74,277,000 | 3,915 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0034% | 3,030 |
| Cost of funding earning assets | 0.3484% | 3,549 |
| Net interest margin | 3.6550% | 2,677 |
| Noninterest income to average assets | 1.0976% | 821 |
| Noninterest expense to average assets | 2.7803% | 2,863 |
| Loan and lease loss provision to assets | 0.1165% | 1,648 |
| Net operating income to assets | 1.3875% | 1,025 |
| Return on assets (ROA) | 1.3875% | 1,056 |
| Pretax return on assets | 1.4600% | 1,662 |
| Return on Equity (ROE) | 17.4572% | 377 |
| Retained earnings to average equity (ytd only) | 17.4572% | 156 |
| Net charge-offs to loans | 0.0647% | 1,684 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 50.7500% | 889 |
| Efficiency ratio | 63.8146% | 3,864 |
| Assets per employee ($millions) | 4.6871% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,598 |
| Loan loss allowance to noncurrent loans | 292.0716% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 4,239 |
| Noncurrent loans to loans | 0.5226% | 3,247 |
| Net loans and leases to total assets | 46.2287% | 4,931 |
| Net loans and leases to deposits | 50.7841% | 5,080 |
| Net loans and leases to core deposits | 51.9450% | 5,145 |
| Total domestic deposits to total assets | 91.0297% | 295 |
| Equity capital to assets | 7.9669% | 5,537 |
| Core capital (leverage) ratio | 8.0397% | 5,546 |
| Tier 1 risk-based capital ratio | 12.5602% | 4,354 |
| Total risk-based capital ratio | 13.7086% | 4,316 |
| Memoranda: | ||
| Average total assets | $154,517,000 | 3,501 |
| Average earning assets | $137,784,500 | 3,559 |
| Average equity | $12,281,500 | 4,170 |
| Average total loans | $74,180,500 | 3,949 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 3,309 |
| Cost of funding earning assets | 0.3383% | 3,651 |
| Net interest margin | 3.6316% | 2,954 |
| Noninterest income to average assets | 1.1853% | 802 |
| Noninterest expense to average assets | 2.9574% | 2,472 |
| Loan and lease loss provision to assets | 0.1524% | 1,644 |
| Net operating income to assets | 1.2577% | 1,336 |
| Return on assets (ROA) | 1.2577% | 1,415 |
| Pretax return on assets | 1.3253% | 2,194 |
| Return on Equity (ROE) | 15.0470% | 621 |
| Retained earnings to average equity (ytd only) | 8.1010% | 823 |
| Net charge-offs to loans | 0.1837% | 1,507 |
| Credit loss provision to net charge-offs | 168.7023% | 1,642 |
| Earnings coverage of net charge-offs (x) | 16.3588% | 2,119 |
| Efficiency ratio | 66.6822% | 3,483 |
| Assets per employee ($millions) | 4.5356% | 3,066 |
| Cash dividends to net income (ytd only)* | 46.1623% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 1,637 |
| Loan loss allowance to noncurrent loans | 276.5586% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 4,216 |
| Noncurrent loans to loans | 0.5452% | 3,209 |
| Net loans and leases to total assets | 48.3985% | 4,868 |
| Net loans and leases to deposits | 53.2416% | 5,049 |
| Net loans and leases to core deposits | 54.4179% | 5,129 |
| Total domestic deposits to total assets | 90.9036% | 307 |
| Equity capital to assets | 7.9286% | 5,594 |
| Core capital (leverage) ratio | 8.1254% | 5,544 |
| Tier 1 risk-based capital ratio | 12.8249% | 4,187 |
| Total risk-based capital ratio | 13.9735% | 4,146 |
| Memoranda: | ||
| Average total assets | $145,024,400 | 3,588 |
| Average earning assets | $129,778,400 | 3,648 |
| Average equity | $12,122,000 | 4,233 |
| Average total loans | $71,294,800 | 4,017 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9601% | 3,374 |
| Cost of funding earning assets | 0.3399% | 3,655 |
| Net interest margin | 3.6202% | 3,005 |
| Noninterest income to average assets | 1.1928% | 814 |
| Noninterest expense to average assets | 2.9602% | 2,430 |
| Loan and lease loss provision to assets | 0.1390% | 1,689 |
| Net operating income to assets | 1.2539% | 1,444 |
| Return on assets (ROA) | 1.2539% | 1,545 |
| Pretax return on assets | 1.3216% | 2,344 |
| Return on Equity (ROE) | 14.8038% | 695 |
| Retained earnings to average equity (ytd only) | 9.3221% | 729 |
| Net charge-offs to loans | 0.1338% | 1,632 |
| Credit loss provision to net charge-offs | 211.2676% | 1,387 |
| Earnings coverage of net charge-offs (x) | 22.1982% | 1,773 |
| Efficiency ratio | 66.9602% | 3,430 |
| Assets per employee ($millions) | 4.3518% | 3,328 |
| Cash dividends to net income (ytd only)* | 37.0287% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 1,710 |
| Loan loss allowance to noncurrent loans | 273.8155% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 4,390 |
| Noncurrent loans to loans | 0.5538% | 3,334 |
| Net loans and leases to total assets | 46.8210% | 5,036 |
| Net loans and leases to deposits | 51.7266% | 5,218 |
| Net loans and leases to core deposits | 52.8541% | 5,272 |
| Total domestic deposits to total assets | 90.5163% | 315 |
| Equity capital to assets | 8.2842% | 5,628 |
| Core capital (leverage) ratio | 8.4223% | 5,421 |
| Tier 1 risk-based capital ratio | 12.6460% | 4,374 |
| Total risk-based capital ratio | 13.7835% | 4,356 |
| Memoranda: | ||
| Average total assets | $143,862,000 | 3,627 |
| Average earning assets | $128,275,750 | 3,697 |
| Average equity | $12,185,750 | 4,257 |
| Average total loans | $70,731,250 | 4,057 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9330% | 3,488 |
| Cost of funding earning assets | 0.3396% | 3,690 |
| Net interest margin | 3.5934% | 3,122 |
| Noninterest income to average assets | 1.1826% | 806 |
| Noninterest expense to average assets | 3.0005% | 2,345 |
| Loan and lease loss provision to assets | 0.1418% | 1,602 |
| Net operating income to assets | 1.1996% | 1,603 |
| Return on assets (ROA) | 1.1996% | 1,696 |
| Pretax return on assets | 1.2663% | 2,533 |
| Return on Equity (ROE) | 14.0512% | 820 |
| Retained earnings to average equity (ytd only) | 8.2215% | 1,101 |
| Net charge-offs to loans | 0.1482% | 1,440 |
| Credit loss provision to net charge-offs | 192.3077% | 1,338 |
| Earnings coverage of net charge-offs (x) | 19.0962% | 1,795 |
| Efficiency ratio | 68.0605% | 3,333 |
| Assets per employee ($millions) | 4.3727% | 3,267 |
| Cash dividends to net income (ytd only)* | 41.4894% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 1,800 |
| Loan loss allowance to noncurrent loans | 104.0976% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 2,847 |
| Noncurrent loans to loans | 1.4564% | 1,520 |
| Net loans and leases to total assets | 48.0322% | 4,992 |
| Net loans and leases to deposits | 53.3088% | 5,172 |
| Net loans and leases to core deposits | 54.5413% | 5,252 |
| Total domestic deposits to total assets | 90.1018% | 450 |
| Equity capital to assets | 8.5988% | 5,535 |
| Core capital (leverage) ratio | 8.1362% | 5,644 |
| Tier 1 risk-based capital ratio | 12.6649% | 4,409 |
| Total risk-based capital ratio | 13.8062% | 4,393 |
| Memoranda: | ||
| Average total assets | $141,044,670 | 3,697 |
| Average earning assets | $126,622,000 | 3,748 |
| Average equity | $12,041,670 | 4,310 |
| Average total loans | $70,170,670 | 4,094 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 3,400 |
| Cost of funding earning assets | 0.3385% | 3,736 |
| Net interest margin | 3.6119% | 3,040 |
| Noninterest income to average assets | 1.0874% | 915 |
| Noninterest expense to average assets | 3.0384% | 2,275 |
| Loan and lease loss provision to assets | 0.1435% | 1,470 |
| Net operating income to assets | 1.0931% | 1,930 |
| Return on assets (ROA) | 1.0931% | 2,028 |
| Pretax return on assets | 1.1505% | 2,889 |
| Return on Equity (ROE) | 12.8515% | 1,065 |
| Retained earnings to average equity (ytd only) | 12.8515% | 406 |
| Net charge-offs to loans | 0.0856% | 1,641 |
| Credit loss provision to net charge-offs | 333.3333% | 796 |
| Earnings coverage of net charge-offs (x) | 30.0667% | 1,180 |
| Efficiency ratio | 70.1325% | 3,096 |
| Assets per employee ($millions) | 4.2544% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 1,937 |
| Loan loss allowance to noncurrent loans | 246.2617% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 4,388 |
| Noncurrent loans to loans | 0.6135% | 3,334 |
| Net loans and leases to total assets | 47.5026% | 5,006 |
| Net loans and leases to deposits | 52.5863% | 5,189 |
| Net loans and leases to core deposits | 53.7959% | 5,264 |
| Total domestic deposits to total assets | 90.3326% | 488 |
| Equity capital to assets | 8.4445% | 5,605 |
| Core capital (leverage) ratio | 8.6404% | 5,250 |
| Tier 1 risk-based capital ratio | 12.6334% | 4,501 |
| Total risk-based capital ratio | 13.7686% | 4,476 |
| Memoranda: | ||
| Average total assets | $139,417,500 | 3,759 |
| Average earning assets | $125,251,500 | 3,799 |
| Average equity | $11,858,500 | 4,353 |
| Average total loans | $70,067,500 | 4,112 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 3,316 |
| Cost of funding earning assets | 0.3333% | 3,869 |
| Net interest margin | 3.6644% | 2,886 |
| Noninterest income to average assets | 1.2627% | 749 |
| Noninterest expense to average assets | 3.2207% | 1,913 |
| Loan and lease loss provision to assets | 0.2373% | 812 |
| Net operating income to assets | 1.0368% | 2,186 |
| Return on assets (ROA) | 1.0368% | 2,270 |
| Pretax return on assets | 1.0916% | 3,101 |
| Return on Equity (ROE) | 12.2890% | 1,232 |
| Retained earnings to average equity (ytd only) | 7.5736% | 1,073 |
| Net charge-offs to loans | 0.3427% | 865 |
| Credit loss provision to net charge-offs | 134.4828% | 1,951 |
| Earnings coverage of net charge-offs (x) | 7.5302% | 3,072 |
| Efficiency ratio | 70.7908% | 3,098 |
| Assets per employee ($millions) | 4.1933% | 3,577 |
| Cash dividends to net income (ytd only)* | 38.3712% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 2,214 |
| Loan loss allowance to noncurrent loans | 256.0302% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 4,295 |
| Noncurrent loans to loans | 0.5656% | 3,479 |
| Net loans and leases to total assets | 51.6820% | 4,721 |
| Net loans and leases to deposits | 57.3336% | 4,958 |
| Net loans and leases to core deposits | 58.7609% | 5,060 |
| Total domestic deposits to total assets | 90.1426% | 576 |
| Equity capital to assets | 8.5718% | 5,502 |
| Core capital (leverage) ratio | 8.2554% | 5,638 |
| Tier 1 risk-based capital ratio | 12.5680% | 4,583 |
| Total risk-based capital ratio | 13.6948% | 4,561 |
| Memoranda: | ||
| Average total assets | $131,463,600 | 3,863 |
| Average earning assets | $117,919,600 | 3,927 |
| Average equity | $11,091,200 | 4,465 |
| Average total loans | $67,705,800 | 4,153 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9585% | 3,506 |
| Cost of funding earning assets | 0.3345% | 3,926 |
| Net interest margin | 3.6240% | 3,062 |
| Noninterest income to average assets | 1.2743% | 734 |
| Noninterest expense to average assets | 3.1818% | 2,014 |
| Loan and lease loss provision to assets | 0.2141% | 896 |
| Net operating income to assets | 1.0694% | 2,133 |
| Return on assets (ROA) | 1.0694% | 2,226 |
| Pretax return on assets | 1.1255% | 3,117 |
| Return on Equity (ROE) | 12.7281% | 1,191 |
| Retained earnings to average equity (ytd only) | 7.9354% | 1,262 |
| Net charge-offs to loans | 0.3659% | 711 |
| Credit loss provision to net charge-offs | 114.1304% | 2,067 |
| Earnings coverage of net charge-offs (x) | 7.1412% | 2,949 |
| Efficiency ratio | 70.3720% | 3,155 |
| Assets per employee ($millions) | 4.4420% | 3,109 |
| Cash dividends to net income (ytd only)* | 37.6547% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 2,692 |
| Loan loss allowance to noncurrent loans | 244.3038% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 4,513 |
| Noncurrent loans to loans | 0.5654% | 3,646 |
| Net loans and leases to total assets | 50.0305% | 4,930 |
| Net loans and leases to deposits | 55.3175% | 5,169 |
| Net loans and leases to core deposits | 56.6540% | 5,270 |
| Total domestic deposits to total assets | 90.4424% | 404 |
| Equity capital to assets | 8.2628% | 5,843 |
| Core capital (leverage) ratio | 8.6496% | 5,411 |
| Tier 1 risk-based capital ratio | 12.1003% | 5,022 |
| Total risk-based capital ratio | 13.1441% | 5,066 |
| Memoranda: | ||
| Average total assets | $130,783,500 | 3,917 |
| Average earning assets | $117,179,500 | 3,982 |
| Average equity | $10,988,500 | 4,534 |
| Average total loans | $67,040,250 | 4,208 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 3,412 |
| Cost of funding earning assets | 0.3396% | 3,929 |
| Net interest margin | 3.6283% | 2,983 |
| Noninterest income to average assets | 1.2578% | 768 |
| Noninterest expense to average assets | 3.1912% | 2,004 |
| Loan and lease loss provision to assets | 0.2024% | 965 |
| Net operating income to assets | 1.0352% | 2,202 |
| Return on assets (ROA) | 1.0352% | 2,318 |
| Pretax return on assets | 1.0912% | 3,212 |
| Return on Equity (ROE) | 12.2483% | 1,300 |
| Retained earnings to average equity (ytd only) | 7.3305% | 1,559 |
| Net charge-offs to loans | 0.5023% | 493 |
| Credit loss provision to net charge-offs | 78.3133% | 2,354 |
| Earnings coverage of net charge-offs (x) | 5.0060% | 2,969 |
| Efficiency ratio | 71.1558% | 3,137 |
| Assets per employee ($millions) | 3.7963% | 4,263 |
| Cash dividends to net income (ytd only)* | 40.1504% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 2,992 |
| Loan loss allowance to noncurrent loans | 196.3043% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 4,362 |
| Noncurrent loans to loans | 0.6875% | 3,425 |
| Net loans and leases to total assets | 51.1408% | 4,834 |
| Net loans and leases to deposits | 56.7995% | 5,076 |
| Net loans and leases to core deposits | 58.0881% | 5,189 |
| Total domestic deposits to total assets | 90.0374% | 652 |
| Equity capital to assets | 8.4867% | 5,697 |
| Core capital (leverage) ratio | 8.2237% | 5,768 |
| Tier 1 risk-based capital ratio | 12.4510% | 4,840 |
| Total risk-based capital ratio | 13.4796% | 4,879 |
| Memoranda: | ||
| Average total assets | $128,477,330 | 3,991 |
| Average earning assets | $114,268,330 | 4,068 |
| Average equity | $10,858,670 | 4,590 |
| Average total loans | $66,101,000 | 4,270 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0491% | 3,052 |
| Cost of funding earning assets | 0.3410% | 3,974 |
| Net interest margin | 3.7081% | 2,592 |
| Noninterest income to average assets | 1.1421% | 872 |
| Noninterest expense to average assets | 3.1019% | 2,265 |
| Loan and lease loss provision to assets | 0.2028% | 906 |
| Net operating income to assets | 1.0423% | 2,066 |
| Return on assets (ROA) | 1.0423% | 2,211 |
| Pretax return on assets | 1.0953% | 3,099 |
| Return on Equity (ROE) | 12.3578% | 1,254 |
| Retained earnings to average equity (ytd only) | 7.1779% | 1,935 |
| Net charge-offs to loans | 0.0974% | 1,747 |
| Credit loss provision to net charge-offs | 406.2500% | 654 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,251 |
| Efficiency ratio | 70.4965% | 3,399 |
| Assets per employee ($millions) | 3.6601% | 4,593 |
| Cash dividends to net income (ytd only)* | 41.9162% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 2,370 |
| Loan loss allowance to noncurrent loans | 12,350.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 5,935 |
| Noncurrent loans to loans | 0.0123% | 5,753 |
| Net loans and leases to total assets | 48.5937% | 4,974 |
| Net loans and leases to deposits | 53.7960% | 5,208 |
| Net loans and leases to core deposits | 54.9870% | 5,315 |
| Total domestic deposits to total assets | 90.3295% | 595 |
| Equity capital to assets | 8.3180% | 5,858 |
| Core capital (leverage) ratio | 8.4032% | 5,628 |
| Tier 1 risk-based capital ratio | 12.4544% | 4,938 |
| Total risk-based capital ratio | 12.4544% | 5,625 |
| Memoranda: | ||
| Average total assets | $128,179,500 | 4,022 |
| Average earning assets | $112,618,500 | 4,132 |
| Average equity | $10,811,000 | 4,640 |
| Average total loans | $65,695,500 | 4,306 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 2,889 |
| Cost of funding earning assets | 0.3657% | 4,076 |
| Net interest margin | 3.8531% | 2,416 |
| Noninterest income to average assets | 1.1911% | 850 |
| Noninterest expense to average assets | 3.2893% | 1,958 |
| Loan and lease loss provision to assets | 0.2335% | 1,035 |
| Net operating income to assets | 1.0597% | 2,130 |
| Return on assets (ROA) | 1.0597% | 2,187 |
| Pretax return on assets | 1.1176% | 3,020 |
| Return on Equity (ROE) | 12.6523% | 1,223 |
| Retained earnings to average equity (ytd only) | 7.6908% | 1,125 |
| Net charge-offs to loans | 0.8319% | 410 |
| Credit loss provision to net charge-offs | 52.2852% | 3,438 |
| Earnings coverage of net charge-offs (x) | 3.0256% | 4,002 |
| Efficiency ratio | 70.8832% | 3,393 |
| Assets per employee ($millions) | 3.7757% | 4,391 |
| Cash dividends to net income (ytd only)* | 39.2142% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 2,885 |
| Loan loss allowance to noncurrent loans | 1,539.3443% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 5,833 |
| Noncurrent loans to loans | 0.0919% | 5,521 |
| Net loans and leases to total assets | 52.5181% | 4,739 |
| Net loans and leases to deposits | 58.3583% | 5,042 |
| Net loans and leases to core deposits | 59.7316% | 5,160 |
| Total domestic deposits to total assets | 89.9925% | 733 |
| Equity capital to assets | 8.5572% | 5,691 |
| Core capital (leverage) ratio | 8.2430% | 5,828 |
| Tier 1 risk-based capital ratio | 12.3820% | 5,102 |
| Total risk-based capital ratio | 13.4858% | 5,112 |
| Memoranda: | ||
| Average total assets | $122,489,800 | 4,129 |
| Average earning assets | $109,651,200 | 4,193 |
| Average equity | $10,259,000 | 4,697 |
| Average total loans | $65,752,800 | 4,307 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,945 |
| Cost of funding earning assets | 0.3694% | 4,128 |
| Net interest margin | 3.8443% | 2,458 |
| Noninterest income to average assets | 1.1861% | 854 |
| Noninterest expense to average assets | 3.2960% | 1,908 |
| Loan and lease loss provision to assets | 0.2077% | 1,124 |
| Net operating income to assets | 1.0681% | 2,161 |
| Return on assets (ROA) | 1.0681% | 2,229 |
| Pretax return on assets | 1.1293% | 3,071 |
| Return on Equity (ROE) | 12.8234% | 1,260 |
| Retained earnings to average equity (ytd only) | 7.0483% | 1,797 |
| Net charge-offs to loans | 0.9512% | 328 |
| Credit loss provision to net charge-offs | 40.5983% | 3,278 |
| Earnings coverage of net charge-offs (x) | 2.6133% | 3,870 |
| Efficiency ratio | 71.1420% | 3,319 |
| Assets per employee ($millions) | 3.5856% | 4,705 |
| Cash dividends to net income (ytd only)* | 45.0358% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 3,247 |
| Loan loss allowance to noncurrent loans | 184.0319% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 4,494 |
| Noncurrent loans to loans | 0.7528% | 3,719 |
| Net loans and leases to total assets | 53.8328% | 4,595 |
| Net loans and leases to deposits | 59.9120% | 4,950 |
| Net loans and leases to core deposits | 61.3560% | 5,084 |
| Total domestic deposits to total assets | 89.8531% | 803 |
| Equity capital to assets | 8.6253% | 5,700 |
| Core capital (leverage) ratio | 8.4630% | 5,691 |
| Tier 1 risk-based capital ratio | 12.3143% | 5,287 |
| Total risk-based capital ratio | 13.4187% | 5,303 |
| Memoranda: | ||
| Average total assets | $121,963,000 | 4,181 |
| Average earning assets | $109,354,750 | 4,235 |
| Average equity | $10,158,250 | 4,754 |
| Average total loans | $65,597,250 | 4,344 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1087% | 3,302 |
| Cost of funding earning assets | 0.3701% | 4,207 |
| Net interest margin | 3.7386% | 2,802 |
| Noninterest income to average assets | 1.1231% | 939 |
| Noninterest expense to average assets | 3.2874% | 1,952 |
| Loan and lease loss provision to assets | 0.1558% | 1,586 |
| Net operating income to assets | 1.0133% | 2,278 |
| Return on assets (ROA) | 1.0133% | 2,343 |
| Pretax return on assets | 1.0756% | 3,194 |
| Return on Equity (ROE) | 12.3116% | 1,349 |
| Retained earnings to average equity (ytd only) | 6.2156% | 2,206 |
| Net charge-offs to loans | 0.4779% | 839 |
| Credit loss provision to net charge-offs | 60.8974% | 2,622 |
| Earnings coverage of net charge-offs (x) | 4.8141% | 3,038 |
| Efficiency ratio | 72.7504% | 3,200 |
| Assets per employee ($millions) | 3.5342% | 4,783 |
| Cash dividends to net income (ytd only)* | 49.5146% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 2,026 |
| Loan loss allowance to noncurrent loans | 1,581.9444% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 5,599 |
| Noncurrent loans to loans | 0.1096% | 5,686 |
| Net loans and leases to total assets | 52.1888% | 4,729 |
| Net loans and leases to deposits | 57.9102% | 5,049 |
| Net loans and leases to core deposits | 59.2812% | 5,180 |
| Total domestic deposits to total assets | 90.1202% | 749 |
| Equity capital to assets | 8.3139% | 5,945 |
| Core capital (leverage) ratio | 8.1188% | 6,008 |
| Tier 1 risk-based capital ratio | 11.6913% | 5,696 |
| Total risk-based capital ratio | 12.9413% | 5,645 |
| Memoranda: | ||
| Average total assets | $121,981,000 | 4,195 |
| Average earning assets | $110,788,670 | 4,225 |
| Average equity | $10,039,330 | 4,798 |
| Average total loans | $65,280,000 | 4,384 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9710% | 3,805 |
| Cost of funding earning assets | 0.3662% | 4,366 |
| Net interest margin | 3.6048% | 3,227 |
| Noninterest income to average assets | 1.0171% | 1,097 |
| Noninterest expense to average assets | 3.2628% | 2,034 |
| Loan and lease loss provision to assets | 0.1486% | 1,635 |
| Net operating income to assets | 0.8718% | 2,780 |
| Return on assets (ROA) | 0.8718% | 2,852 |
| Pretax return on assets | 0.9214% | 3,619 |
| Return on Equity (ROE) | 10.6484% | 1,801 |
| Retained earnings to average equity (ytd only) | 3.7108% | 3,906 |
| Net charge-offs to loans | 0.9159% | 381 |
| Credit loss provision to net charge-offs | 30.2013% | 2,393 |
| Earnings coverage of net charge-offs (x) | 2.1745% | 2,934 |
| Efficiency ratio | 75.3049% | 2,904 |
| Assets per employee ($millions) | 3.6716% | 4,584 |
| Cash dividends to net income (ytd only)* | 65.1515% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6925% | 2,377 |
| Loan loss allowance to noncurrent loans | 1,259.7701% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 5,409 |
| Noncurrent loans to loans | 0.1344% | 5,707 |
| Net loans and leases to total assets | 50.9945% | 4,798 |
| Net loans and leases to deposits | 56.3125% | 5,090 |
| Net loans and leases to core deposits | 57.6266% | 5,228 |
| Total domestic deposits to total assets | 90.5563% | 771 |
| Equity capital to assets | 7.9881% | 6,070 |
| Core capital (leverage) ratio | 8.3099% | 5,835 |
| Tier 1 risk-based capital ratio | 9.6218% | 6,533 |
| Total risk-based capital ratio | 10.6940% | 6,540 |
| Memoranda: | ||
| Average total assets | $121,123,000 | 4,252 |
| Average earning assets | $111,407,000 | 4,235 |
| Average equity | $9,917,000 | 4,839 |
| Average total loans | $65,072,500 | 4,429 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6011% | 1,874 |
| Cost of funding earning assets | 0.4620% | 3,998 |
| Net interest margin | 4.1391% | 1,542 |
| Noninterest income to average assets | 1.1672% | 1,030 |
| Noninterest expense to average assets | 3.5322% | 1,586 |
| Loan and lease loss provision to assets | 0.1706% | 2,149 |
| Net operating income to assets | 1.1399% | 1,795 |
| Return on assets (ROA) | 1.1399% | 1,861 |
| Pretax return on assets | 1.2022% | 2,573 |
| Return on Equity (ROE) | 13.9986% | 948 |
| Retained earnings to average equity (ytd only) | 7.5023% | 1,233 |
| Net charge-offs to loans | 0.5957% | 1,107 |
| Credit loss provision to net charge-offs | 50.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | 4.0225% | 3,700 |
| Efficiency ratio | 72.0125% | 3,468 |
| Assets per employee ($millions) | 3.0898% | 5,695 |
| Cash dividends to net income (ytd only)* | 46.4072% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8351% | 1,957 |
| Loan loss allowance to noncurrent loans | 510.6383% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 5,051 |
| Noncurrent loans to loans | 0.3594% | 5,108 |
| Net loans and leases to total assets | 54.6712% | 4,505 |
| Net loans and leases to deposits | 60.7112% | 4,870 |
| Net loans and leases to core deposits | 62.2286% | 5,038 |
| Total domestic deposits to total assets | 90.0512% | 1,047 |
| Equity capital to assets | 8.3996% | 5,695 |
| Core capital (leverage) ratio | 8.0317% | 6,109 |
| Tier 1 risk-based capital ratio | 11.8418% | 5,713 |
| Total risk-based capital ratio | 13.0923% | 5,647 |
| Memoranda: | ||
| Average total assets | $117,206,400 | 4,335 |
| Average earning assets | $105,844,400 | 4,367 |
| Average equity | $9,543,800 | 4,958 |
| Average total loans | $67,144,400 | 4,370 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 1,713 |
| Cost of funding earning assets | 0.4672% | 4,089 |
| Net interest margin | 4.1949% | 1,353 |
| Noninterest income to average assets | 1.1733% | 1,066 |
| Noninterest expense to average assets | 3.5325% | 1,541 |
| Loan and lease loss provision to assets | 0.1764% | 2,062 |
| Net operating income to assets | 1.1904% | 1,668 |
| Return on assets (ROA) | 1.1904% | 1,738 |
| Pretax return on assets | 1.2553% | 2,496 |
| Return on Equity (ROE) | 14.7358% | 849 |
| Retained earnings to average equity (ytd only) | 7.8469% | 1,484 |
| Net charge-offs to loans | 0.4774% | 1,346 |
| Credit loss provision to net charge-offs | 64.0496% | 3,203 |
| Earnings coverage of net charge-offs (x) | 5.1983% | 3,258 |
| Efficiency ratio | 71.1600% | 3,575 |
| Assets per employee ($millions) | 3.2381% | 5,410 |
| Cash dividends to net income (ytd only)* | 46.7493% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9432% | 1,875 |
| Loan loss allowance to noncurrent loans | 404.0000% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 4,932 |
| Noncurrent loans to loans | 0.4810% | 4,998 |
| Net loans and leases to total assets | 56.8371% | 4,199 |
| Net loans and leases to deposits | 62.9717% | 4,634 |
| Net loans and leases to core deposits | 64.5534% | 4,839 |
| Total domestic deposits to total assets | 90.2582% | 860 |
| Equity capital to assets | 8.0844% | 6,090 |
| Core capital (leverage) ratio | 8.0484% | 6,191 |
| Tier 1 risk-based capital ratio | 11.4622% | 6,080 |
| Total risk-based capital ratio | 12.7166% | 6,037 |
| Memoranda: | ||
| Average total assets | $117,155,250 | 4,374 |
| Average earning assets | $105,870,750 | 4,408 |
| Average equity | $9,464,250 | 5,040 |
| Average total loans | $67,583,000 | 4,387 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 1,717 |
| Cost of funding earning assets | 0.4795% | 4,106 |
| Net interest margin | 4.1631% | 1,368 |
| Noninterest income to average assets | 1.1674% | 1,116 |
| Noninterest expense to average assets | 3.5552% | 1,492 |
| Loan and lease loss provision to assets | 0.1619% | 2,304 |
| Net operating income to assets | 1.1589% | 1,703 |
| Return on assets (ROA) | 1.1589% | 1,821 |
| Pretax return on assets | 1.2237% | 2,578 |
| Return on Equity (ROE) | 14.3495% | 937 |
| Retained earnings to average equity (ytd only) | 6.7949% | 1,987 |
| Net charge-offs to loans | 0.6273% | 1,050 |
| Credit loss provision to net charge-offs | 44.8113% | 3,328 |
| Earnings coverage of net charge-offs (x) | 3.8349% | 3,285 |
| Efficiency ratio | 71.9558% | 3,476 |
| Assets per employee ($millions) | 3.3205% | 5,232 |
| Cash dividends to net income (ytd only)* | 52.6471% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8983% | 2,117 |
| Loan loss allowance to noncurrent loans | 588.5321% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 5,467 |
| Noncurrent loans to loans | 0.3225% | 5,488 |
| Net loans and leases to total assets | 55.4673% | 4,379 |
| Net loans and leases to deposits | 61.5168% | 4,800 |
| Net loans and leases to core deposits | 63.0242% | 5,002 |
| Total domestic deposits to total assets | 90.1662% | 942 |
| Equity capital to assets | 7.7499% | 6,338 |
| Core capital (leverage) ratio | 7.7541% | 6,336 |
| Tier 1 risk-based capital ratio | 11.1416% | 6,272 |
| Total risk-based capital ratio | 12.3953% | 6,245 |
| Memoranda: | ||
| Average total assets | $117,350,330 | 4,409 |
| Average earning assets | $106,362,000 | 4,424 |
| Average equity | $9,477,670 | 5,065 |
| Average total loans | $67,588,000 | 4,395 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 1,503 |
| Cost of funding earning assets | 0.5070% | 4,014 |
| Net interest margin | 4.2048% | 1,171 |
| Noninterest income to average assets | 1.2146% | 1,031 |
| Noninterest expense to average assets | 3.6299% | 1,368 |
| Loan and lease loss provision to assets | 0.1204% | 2,714 |
| Net operating income to assets | 1.1905% | 1,551 |
| Return on assets (ROA) | 1.1905% | 1,663 |
| Pretax return on assets | 1.2593% | 2,373 |
| Return on Equity (ROE) | 14.4400% | 874 |
| Retained earnings to average equity (ytd only) | 4.9246% | 3,282 |
| Net charge-offs to loans | 1.0357% | 590 |
| Credit loss provision to net charge-offs | 20.0000% | 3,031 |
| Earnings coverage of net charge-offs (x) | 2.2914% | 3,082 |
| Efficiency ratio | 72.4588% | 3,527 |
| Assets per employee ($millions) | 3.2762% | 5,487 |
| Cash dividends to net income (ytd only)* | 65.8960% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8978% | 2,309 |
| Loan loss allowance to noncurrent loans | 402.5559% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 5,342 |
| Noncurrent loans to loans | 0.4714% | 5,247 |
| Net loans and leases to total assets | 55.2220% | 4,210 |
| Net loans and leases to deposits | 61.4548% | 4,624 |
| Net loans and leases to core deposits | 62.9869% | 4,847 |
| Total domestic deposits to total assets | 89.8579% | 1,131 |
| Equity capital to assets | 8.1573% | 6,292 |
| Core capital (leverage) ratio | 7.9383% | 6,193 |
| Tier 1 risk-based capital ratio | 11.0936% | 6,363 |
| Total risk-based capital ratio | 12.3466% | 6,336 |
| Memoranda: | ||
| Average total assets | $116,257,000 | 4,478 |
| Average earning assets | $104,927,000 | 4,494 |
| Average equity | $9,584,500 | 5,090 |
| Average total loans | $67,588,500 | 4,440 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 1,128 |
| Cost of funding earning assets | 0.6253% | 4,134 |
| Net interest margin | 4.5680% | 830 |
| Noninterest income to average assets | 1.8681% | 482 |
| Noninterest expense to average assets | 3.8303% | 1,206 |
| Loan and lease loss provision to assets | 0.5715% | 982 |
| Net operating income to assets | 1.6321% | 713 |
| Return on assets (ROA) | 1.6321% | 790 |
| Pretax return on assets | 1.6815% | 1,179 |
| Return on Equity (ROE) | 19.6038% | 317 |
| Retained earnings to average equity (ytd only) | 12.1357% | 312 |
| Net charge-offs to loans | 0.4041% | 2,637 |
| Credit loss provision to net charge-offs | 227.2727% | 1,091 |
| Earnings coverage of net charge-offs (x) | 8.9600% | 2,327 |
| Efficiency ratio | 62.9641% | 5,084 |
| Assets per employee ($millions) | 3.1825% | 5,664 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0353% | 1,930 |
| Loan loss allowance to noncurrent loans | 230.2632% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.6922% | 4,757 |
| Noncurrent loans to loans | 0.8839% | 4,410 |
| Net loans and leases to total assets | 58.8164% | 3,837 |
| Net loans and leases to deposits | 66.2687% | 4,241 |
| Net loans and leases to core deposits | 67.9925% | 4,532 |
| Total domestic deposits to total assets | 88.7545% | 1,731 |
| Equity capital to assets | 8.3338% | 6,173 |
| Core capital (leverage) ratio | 7.8575% | 6,307 |
| Tier 1 risk-based capital ratio | 11.0314% | 6,339 |
| Total risk-based capital ratio | 12.2875% | 6,303 |
| Memoranda: | ||
| Average total assets | $109,365,200 | 4,606 |
| Average earning assets | $100,918,600 | 4,575 |
| Average equity | $9,105,400 | 5,196 |
| Average total loans | $68,048,200 | 4,422 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2803% | 1,046 |
| Cost of funding earning assets | 0.6510% | 4,190 |
| Net interest margin | 4.6293% | 776 |
| Noninterest income to average assets | 2.2085% | 368 |
| Noninterest expense to average assets | 3.7977% | 1,213 |
| Loan and lease loss provision to assets | 0.7131% | 704 |
| Net operating income to assets | 1.9025% | 451 |
| Return on assets (ROA) | 1.9025% | 525 |
| Pretax return on assets | 1.9531% | 772 |
| Return on Equity (ROE) | 22.8572% | 198 |
| Retained earnings to average equity (ytd only) | 19.0477% | 94 |
| Net charge-offs to loans | 0.4204% | 2,412 |
| Credit loss provision to net charge-offs | 270.0935% | 1,007 |
| Earnings coverage of net charge-offs (x) | 10.0980% | 2,226 |
| Efficiency ratio | 58.7517% | 5,690 |
| Assets per employee ($millions) | 3.0735% | 5,918 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0686% | 1,986 |
| Loan loss allowance to noncurrent loans | 271.4012% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 4,816 |
| Noncurrent loans to loans | 0.7622% | 4,894 |
| Net loans and leases to total assets | 60.5005% | 3,673 |
| Net loans and leases to deposits | 69.0473% | 4,018 |
| Net loans and leases to core deposits | 70.9334% | 4,385 |
| Total domestic deposits to total assets | 87.6219% | 2,280 |
| Equity capital to assets | 8.8796% | 5,944 |
| Core capital (leverage) ratio | 8.4800% | 5,779 |
| Tier 1 risk-based capital ratio | 11.5083% | 6,224 |
| Total risk-based capital ratio | 12.7643% | 6,191 |
| Memoranda: | ||
| Average total assets | $108,064,000 | 4,685 |
| Average earning assets | $99,336,000 | 4,657 |
| Average equity | $8,994,750 | 5,274 |
| Average total loans | $67,863,750 | 4,472 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4069% | 859 |
| Cost of funding earning assets | 0.6875% | 4,121 |
| Net interest margin | 4.7195% | 647 |
| Noninterest income to average assets | 1.3209% | 813 |
| Noninterest expense to average assets | 3.8394% | 1,155 |
| Loan and lease loss provision to assets | 0.4627% | 1,381 |
| Net operating income to assets | 1.2201% | 1,645 |
| Return on assets (ROA) | 1.2201% | 1,837 |
| Pretax return on assets | 1.2835% | 2,615 |
| Return on Equity (ROE) | 15.0034% | 940 |
| Retained earnings to average equity (ytd only) | 11.0805% | 734 |
| Net charge-offs to loans | 0.5790% | 1,871 |
| Credit loss provision to net charge-offs | 126.5306% | 2,168 |
| Earnings coverage of net charge-offs (x) | 4.7755% | 2,989 |
| Efficiency ratio | 68.7375% | 3,985 |
| Assets per employee ($millions) | 2.9699% | 6,126 |
| Cash dividends to net income (ytd only)* | 26.1468% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6198% | 3,534 |
| Loan loss allowance to noncurrent loans | 157.4286% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.8558% | 4,669 |
| Noncurrent loans to loans | 1.0289% | 4,455 |
| Net loans and leases to total assets | 62.6024% | 3,309 |
| Net loans and leases to deposits | 71.8085% | 3,641 |
| Net loans and leases to core deposits | 73.8511% | 4,054 |
| Total domestic deposits to total assets | 87.1797% | 2,667 |
| Equity capital to assets | 8.4141% | 6,291 |
| Core capital (leverage) ratio | 7.6483% | 6,542 |
| Tier 1 risk-based capital ratio | 10.4874% | 6,698 |
| Total risk-based capital ratio | 11.7388% | 6,684 |
| Memoranda: | ||
| Average total assets | $107,203,000 | 4,738 |
| Average earning assets | $96,875,670 | 4,737 |
| Average equity | $8,718,000 | 5,346 |
| Average total loans | $67,699,670 | 4,499 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4410% | 850 |
| Cost of funding earning assets | 0.7031% | 4,251 |
| Net interest margin | 4.7378% | 640 |
| Noninterest income to average assets | 0.9837% | 1,471 |
| Noninterest expense to average assets | 3.8418% | 1,150 |
| Loan and lease loss provision to assets | 0.4099% | 1,535 |
| Net operating income to assets | 0.9055% | 2,894 |
| Return on assets (ROA) | 0.9055% | 3,115 |
| Pretax return on assets | 0.9502% | 3,863 |
| Return on Equity (ROE) | 11.3300% | 1,896 |
| Retained earnings to average equity (ytd only) | 7.3202% | 2,271 |
| Net charge-offs to loans | 0.7463% | 1,365 |
| Credit loss provision to net charge-offs | 87.3016% | 2,596 |
| Earnings coverage of net charge-offs (x) | 2.8968% | 3,023 |
| Efficiency ratio | 73.8539% | 3,118 |
| Assets per employee ($millions) | 3.0904% | 5,980 |
| Cash dividends to net income (ytd only)* | 35.3909% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 3,982 |
| Loan loss allowance to noncurrent loans | 400.7752% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 5,800 |
| Noncurrent loans to loans | 0.3846% | 5,907 |
| Net loans and leases to total assets | 57.7647% | 4,073 |
| Net loans and leases to deposits | 65.6571% | 4,424 |
| Net loans and leases to core deposits | 67.3839% | 4,746 |
| Total domestic deposits to total assets | 87.9794% | 2,332 |
| Equity capital to assets | 7.5368% | 6,766 |
| Core capital (leverage) ratio | 7.6876% | 6,497 |
| Tier 1 risk-based capital ratio | 10.0659% | 6,861 |
| Total risk-based capital ratio | 11.3165% | 6,854 |
| Memoranda: | ||
| Average total assets | $107,346,500 | 4,763 |
| Average earning assets | $95,571,000 | 4,801 |
| Average equity | $8,579,000 | 5,413 |
| Average total loans | $67,532,500 | 4,534 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4705% | 1,242 |
| Cost of funding earning assets | 0.7733% | 5,043 |
| Net interest margin | 4.6972% | 759 |
| Noninterest income to average assets | 0.6144% | 3,092 |
| Noninterest expense to average assets | 3.9794% | 1,068 |
| Loan and lease loss provision to assets | 0.4848% | 2,179 |
| Net operating income to assets | 0.3917% | 4,904 |
| Return on assets (ROA) | 0.3917% | 5,070 |
| Pretax return on assets | 0.4128% | 5,252 |
| Return on Equity (ROE) | 4.7548% | 4,500 |
| Retained earnings to average equity (ytd only) | -4.9180% | 6,441 |
| Net charge-offs to loans | 0.8333% | 2,083 |
| Credit loss provision to net charge-offs | 89.6980% | 4,010 |
| Earnings coverage of net charge-offs (x) | 1.6607% | 4,524 |
| Efficiency ratio | 81.5945% | 2,079 |
| Assets per employee ($millions) | 2.6407% | 6,672 |
| Cash dividends to net income (ytd only)* | 203.4314% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 3,812 |
| Loan loss allowance to noncurrent loans | 532.9949% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 5,712 |
| Noncurrent loans to loans | 0.2898% | 6,143 |
| Net loans and leases to total assets | 66.6979% | 2,642 |
| Net loans and leases to deposits | 77.4949% | 2,922 |
| Net loans and leases to core deposits | 79.8792% | 3,460 |
| Total domestic deposits to total assets | 86.0675% | 3,283 |
| Equity capital to assets | 8.5104% | 6,141 |
| Core capital (leverage) ratio | 7.7049% | 6,529 |
| Tier 1 risk-based capital ratio | 10.0672% | 6,841 |
| Total risk-based capital ratio | 11.3188% | 6,826 |
| Memoranda: | ||
| Average total assets | $104,160,400 | 4,787 |
| Average earning assets | $94,524,800 | 4,798 |
| Average equity | $8,580,800 | 5,383 |
| Average total loans | $67,562,400 | 4,577 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3710% | 1,602 |
| Cost of funding earning assets | 0.7765% | 5,300 |
| Net interest margin | 4.5945% | 957 |
| Noninterest income to average assets | 0.4719% | 4,111 |
| Noninterest expense to average assets | 3.9702% | 1,041 |
| Loan and lease loss provision to assets | 0.5404% | 1,823 |
| Net operating income to assets | 0.1268% | 5,898 |
| Return on assets (ROA) | 0.1268% | 6,014 |
| Pretax return on assets | 0.1345% | 6,038 |
| Return on Equity (ROE) | 1.5520% | 5,922 |
| Retained earnings to average equity (ytd only) | -7.5581% | 6,742 |
| Net charge-offs to loans | 1.0021% | 1,609 |
| Credit loss provision to net charge-offs | 84.0237% | 4,000 |
| Earnings coverage of net charge-offs (x) | 1.0493% | 4,845 |
| Efficiency ratio | 85.4724% | 1,582 |
| Assets per employee ($millions) | 2.8919% | 6,323 |
| Cash dividends to net income (ytd only)* | 587.0022% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 4,061 |
| Loan loss allowance to noncurrent loans | 357.8397% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 5,466 |
| Noncurrent loans to loans | 0.4209% | 6,000 |
| Net loans and leases to total assets | 62.7633% | 3,554 |
| Net loans and leases to deposits | 72.3849% | 3,919 |
| Net loans and leases to core deposits | 73.6866% | 4,503 |
| Total domestic deposits to total assets | 86.7077% | 2,815 |
| Equity capital to assets | 7.9531% | 6,723 |
| Core capital (leverage) ratio | 7.7143% | 6,627 |
| Tier 1 risk-based capital ratio | 9.9241% | 6,974 |
| Total risk-based capital ratio | 11.1618% | 6,967 |
| Memoranda: | ||
| Average total assets | $105,113,500 | 4,788 |
| Average earning assets | $95,473,250 | 4,801 |
| Average equity | $8,591,000 | 5,413 |
| Average total loans | $67,458,000 | 4,613 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2758% | 1,972 |
| Cost of funding earning assets | 0.7771% | 5,525 |
| Net interest margin | 4.4986% | 1,136 |
| Noninterest income to average assets | 1.1600% | 952 |
| Noninterest expense to average assets | 4.2743% | 765 |
| Loan and lease loss provision to assets | 0.5130% | 1,913 |
| Net operating income to assets | 0.4919% | 4,535 |
| Return on assets (ROA) | 0.4919% | 4,674 |
| Pretax return on assets | 0.5168% | 5,004 |
| Return on Equity (ROE) | 5.9643% | 3,993 |
| Retained earnings to average equity (ytd only) | -5.6858% | 6,628 |
| Net charge-offs to loans | 1.0950% | 1,440 |
| Credit loss provision to net charge-offs | 72.8261% | 3,988 |
| Earnings coverage of net charge-offs (x) | 1.4620% | 4,188 |
| Efficiency ratio | 80.5846% | 2,302 |
| Assets per employee ($millions) | 2.7674% | 6,523 |
| Cash dividends to net income (ytd only)* | 195.3307% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 4,095 |
| Loan loss allowance to noncurrent loans | 118.3099% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 1.7022% | 3,639 |
| Noncurrent loans to loans | 1.2748% | 4,538 |
| Net loans and leases to total assets | 64.2883% | 3,399 |
| Net loans and leases to deposits | 74.8105% | 3,673 |
| Net loans and leases to core deposits | 76.2304% | 4,286 |
| Total domestic deposits to total assets | 85.9349% | 3,363 |
| Equity capital to assets | 8.3998% | 6,306 |
| Core capital (leverage) ratio | 7.6335% | 6,639 |
| Tier 1 risk-based capital ratio | 10.4724% | 6,797 |
| Total risk-based capital ratio | 11.7224% | 6,801 |
| Memoranda: | ||
| Average total assets | $104,484,000 | 4,845 |
| Average earning assets | $96,251,330 | 4,805 |
| Average equity | $8,618,000 | 5,424 |
| Average total loans | $67,215,670 | 4,669 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3361% | 1,765 |
| Cost of funding earning assets | 0.7806% | 5,666 |
| Net interest margin | 4.5555% | 948 |
| Noninterest income to average assets | 1.0803% | 1,128 |
| Noninterest expense to average assets | 3.7980% | 1,341 |
| Loan and lease loss provision to assets | 0.4169% | 2,107 |
| Net operating income to assets | 0.9969% | 2,191 |
| Return on assets (ROA) | 0.9969% | 2,238 |
| Pretax return on assets | 1.0462% | 2,960 |
| Return on Equity (ROE) | 12.1950% | 1,408 |
| Retained earnings to average equity (ytd only) | -2.5966% | 6,235 |
| Net charge-offs to loans | 0.9495% | 1,410 |
| Credit loss provision to net charge-offs | 68.7500% | 3,374 |
| Earnings coverage of net charge-offs (x) | 2.4125% | 3,113 |
| Efficiency ratio | 72.1902% | 3,822 |
| Assets per employee ($millions) | 3.0433% | 6,068 |
| Cash dividends to net income (ytd only)* | 121.2928% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 3,722 |
| Loan loss allowance to noncurrent loans | 160.5463% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 1.4920% | 4,021 |
| Noncurrent loans to loans | 0.9970% | 5,052 |
| Net loans and leases to total assets | 57.7636% | 4,676 |
| Net loans and leases to deposits | 66.2467% | 4,938 |
| Net loans and leases to core deposits | 66.6629% | 5,446 |
| Total domestic deposits to total assets | 87.1947% | 2,836 |
| Equity capital to assets | 7.6659% | 6,771 |
| Core capital (leverage) ratio | 8.0750% | 6,155 |
| Tier 1 risk-based capital ratio | 10.5481% | 6,783 |
| Total risk-based capital ratio | 11.7989% | 6,770 |
| Memoranda: | ||
| Average total assets | $105,528,500 | 4,848 |
| Average earning assets | $96,850,000 | 4,828 |
| Average equity | $8,626,500 | 5,430 |
| Average total loans | $67,405,500 | 4,712 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8755% | 1,093 |
| Cost of funding earning assets | 0.8720% | 6,290 |
| Net interest margin | 5.0035% | 427 |
| Noninterest income to average assets | 1.2740% | 905 |
| Noninterest expense to average assets | 3.9800% | 1,188 |
| Loan and lease loss provision to assets | 0.5394% | 2,993 |
| Net operating income to assets | 1.3360% | 1,093 |
| Return on assets (ROA) | 1.3360% | 1,161 |
| Pretax return on assets | 1.4061% | 1,651 |
| Return on Equity (ROE) | 15.6239% | 628 |
| Retained earnings to average equity (ytd only) | 6.7996% | 1,409 |
| Net charge-offs to loans | 0.8425% | 2,524 |
| Credit loss provision to net charge-offs | 94.0663% | 4,940 |
| Earnings coverage of net charge-offs (x) | 3.3927% | 3,383 |
| Efficiency ratio | 67.1677% | 4,726 |
| Assets per employee ($millions) | 2.6609% | 6,747 |
| Cash dividends to net income (ytd only)* | 56.4794% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 3,530 |
| Loan loss allowance to noncurrent loans | 194.0455% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 5,861 |
| Noncurrent loans to loans | 0.8310% | 5,391 |
| Net loans and leases to total assets | 68.6628% | 2,822 |
| Net loans and leases to deposits | 80.4010% | 3,094 |
| Net loans and leases to core deposits | 80.9915% | 4,062 |
| Total domestic deposits to total assets | 85.4004% | 3,662 |
| Equity capital to assets | 8.7563% | 5,502 |
| Core capital (leverage) ratio | 8.1155% | 5,986 |
| Tier 1 risk-based capital ratio | 10.9101% | 6,400 |
| Total risk-based capital ratio | 12.1624% | 6,371 |
| Memoranda: | ||
| Average total assets | $99,923,400 | 4,986 |
| Average earning assets | $92,894,400 | 4,921 |
| Average equity | $8,544,600 | 5,537 |
| Average total loans | $68,014,200 | 4,750 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7971% | 1,406 |
| Cost of funding earning assets | 0.8826% | 6,462 |
| Net interest margin | 4.9145% | 541 |
| Noninterest income to average assets | 1.2763% | 847 |
| Noninterest expense to average assets | 3.9059% | 1,193 |
| Loan and lease loss provision to assets | 0.4587% | 3,178 |
| Net operating income to assets | 1.3972% | 1,107 |
| Return on assets (ROA) | 1.3972% | 1,181 |
| Pretax return on assets | 1.4717% | 1,684 |
| Return on Equity (ROE) | 16.4366% | 659 |
| Retained earnings to average equity (ytd only) | 9.4147% | 928 |
| Net charge-offs to loans | 0.7724% | 2,500 |
| Credit loss provision to net charge-offs | 87.7863% | 4,863 |
| Earnings coverage of net charge-offs (x) | 3.6946% | 3,333 |
| Efficiency ratio | 66.9248% | 4,671 |
| Assets per employee ($millions) | 2.7719% | 6,647 |
| Cash dividends to net income (ytd only)* | 42.7210% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 3,500 |
| Loan loss allowance to noncurrent loans | 186.0544% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 5,983 |
| Noncurrent loans to loans | 0.8632% | 5,499 |
| Net loans and leases to total assets | 63.6334% | 4,197 |
| Net loans and leases to deposits | 74.0229% | 4,505 |
| Net loans and leases to core deposits | 74.0229% | 5,287 |
| Total domestic deposits to total assets | 85.9645% | 3,092 |
| Equity capital to assets | 8.4760% | 6,305 |
| Core capital (leverage) ratio | 8.5569% | 5,408 |
| Tier 1 risk-based capital ratio | 10.8811% | 6,482 |
| Total risk-based capital ratio | 12.1332% | 6,457 |
| Memoranda: | ||
| Average total assets | $100,290,500 | 5,038 |
| Average earning assets | $93,056,000 | 4,976 |
| Average equity | $8,525,500 | 5,615 |
| Average total loans | $67,840,250 | 4,838 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8818% | 1,226 |
| Cost of funding earning assets | 0.9120% | 6,531 |
| Net interest margin | 4.9698% | 451 |
| Noninterest income to average assets | 1.2575% | 815 |
| Noninterest expense to average assets | 3.9023% | 1,182 |
| Loan and lease loss provision to assets | 0.4563% | 3,038 |
| Net operating income to assets | 1.3974% | 1,097 |
| Return on assets (ROA) | 1.3974% | 1,162 |
| Pretax return on assets | 1.4745% | 1,627 |
| Return on Equity (ROE) | 16.4217% | 646 |
| Retained earnings to average equity (ytd only) | 9.3191% | 1,004 |
| Net charge-offs to loans | 0.7056% | 2,453 |
| Credit loss provision to net charge-offs | 94.1423% | 4,293 |
| Earnings coverage of net charge-offs (x) | 3.9833% | 3,101 |
| Efficiency ratio | 66.8985% | 4,788 |
| Assets per employee ($millions) | 2.4962% | 7,109 |
| Cash dividends to net income (ytd only)* | 43.2511% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 3,232 |
| Loan loss allowance to noncurrent loans | 172.2137% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7791% | 5,565 |
| Noncurrent loans to loans | 0.9619% | 5,382 |
| Net loans and leases to total assets | 70.5996% | 2,770 |
| Net loans and leases to deposits | 83.1395% | 3,046 |
| Net loans and leases to core deposits | 83.1395% | 4,259 |
| Total domestic deposits to total assets | 84.9171% | 3,675 |
| Equity capital to assets | 9.0748% | 5,331 |
| Core capital (leverage) ratio | 8.1496% | 6,036 |
| Tier 1 risk-based capital ratio | 10.9549% | 6,290 |
| Total risk-based capital ratio | 12.2080% | 6,276 |
| Memoranda: | ||
| Average total assets | $98,609,670 | 5,120 |
| Average earning assets | $90,789,000 | 5,065 |
| Average equity | $8,391,330 | 5,667 |
| Average total loans | $67,746,670 | 4,875 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7842% | 1,508 |
| Cost of funding earning assets | 0.9085% | 6,737 |
| Net interest margin | 4.8757% | 555 |
| Noninterest income to average assets | 1.0071% | 1,279 |
| Noninterest expense to average assets | 4.0364% | 978 |
| Loan and lease loss provision to assets | 0.3384% | 3,360 |
| Net operating income to assets | 1.0708% | 1,930 |
| Return on assets (ROA) | 1.0708% | 2,003 |
| Pretax return on assets | 1.1186% | 2,674 |
| Return on Equity (ROE) | 12.9905% | 1,256 |
| Retained earnings to average equity (ytd only) | 5.7950% | 2,718 |
| Net charge-offs to loans | 0.3848% | 2,890 |
| Credit loss provision to net charge-offs | 130.7692% | 2,696 |
| Earnings coverage of net charge-offs (x) | 5.6308% | 2,356 |
| Efficiency ratio | 73.4783% | 3,668 |
| Assets per employee ($millions) | 2.8405% | 6,548 |
| Cash dividends to net income (ytd only)* | 55.3903% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 2,968 |
| Loan loss allowance to noncurrent loans | 114.2576% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 1.2550% | 4,667 |
| Noncurrent loans to loans | 1.5106% | 4,482 |
| Net loans and leases to total assets | 62.9542% | 4,541 |
| Net loans and leases to deposits | 72.5941% | 4,975 |
| Net loans and leases to core deposits | 72.5941% | 5,650 |
| Total domestic deposits to total assets | 86.7208% | 2,782 |
| Equity capital to assets | 7.9165% | 6,740 |
| Core capital (leverage) ratio | 8.2968% | 5,748 |
| Tier 1 risk-based capital ratio | 10.3862% | 6,729 |
| Total risk-based capital ratio | 11.6402% | 6,723 |
| Memoranda: | ||
| Average total assets | $100,486,500 | 5,134 |
| Average earning assets | $92,458,000 | 5,091 |
| Average equity | $8,283,000 | 5,743 |
| Average total loans | $67,572,000 | 4,947 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1708% | 1,318 |
| Cost of funding earning assets | 1.1418% | 6,844 |
| Net interest margin | 5.0290% | 421 |
| Noninterest income to average assets | 1.1015% | 1,268 |
| Noninterest expense to average assets | 4.1766% | 1,121 |
| Loan and lease loss provision to assets | 0.5829% | 3,462 |
| Net operating income to assets | 0.8899% | 2,213 |
| Return on assets (ROA) | 0.8899% | 2,282 |
| Pretax return on assets | 0.9376% | 2,805 |
| Return on Equity (ROE) | 10.3603% | 1,590 |
| Retained earnings to average equity (ytd only) | 0.5554% | 4,592 |
| Net charge-offs to loans | 0.4737% | 3,884 |
| Credit loss provision to net charge-offs | 180.7074% | 2,295 |
| Earnings coverage of net charge-offs (x) | 4.7138% | 2,841 |
| Efficiency ratio | 73.3115% | 4,031 |
| Assets per employee ($millions) | 2.5231% | 7,166 |
| Cash dividends to net income (ytd only)* | 94.6387% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6839% | 2,944 |
| Loan loss allowance to noncurrent loans | 94.9293% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 1.2547% | 4,581 |
| Noncurrent loans to loans | 1.7738% | 3,972 |
| Net loans and leases to total assets | 69.5450% | 3,351 |
| Net loans and leases to deposits | 81.2936% | 3,741 |
| Net loans and leases to core deposits | 83.5237% | 5,765 |
| Total domestic deposits to total assets | 85.5480% | 3,262 |
| Equity capital to assets | 8.6007% | 5,725 |
| Core capital (leverage) ratio | 7.9172% | 6,310 |
| Tier 1 risk-based capital ratio | 10.4579% | 6,442 |
| Total risk-based capital ratio | 11.7118% | 6,407 |
| Memoranda: | ||
| Average total assets | $96,417,600 | 5,183 |
| Average earning assets | $88,109,000 | 5,193 |
| Average equity | $8,281,600 | 5,843 |
| Average total loans | $65,654,200 | 5,036 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1687% | 1,444 |
| Cost of funding earning assets | 1.1720% | 6,964 |
| Net interest margin | 4.9967% | 444 |
| Noninterest income to average assets | 1.0536% | 1,435 |
| Noninterest expense to average assets | 4.1082% | 1,132 |
| Loan and lease loss provision to assets | 0.5676% | 3,116 |
| Net operating income to assets | 0.8921% | 2,446 |
| Return on assets (ROA) | 0.8921% | 2,524 |
| Pretax return on assets | 0.9404% | 3,096 |
| Return on Equity (ROE) | 10.3891% | 1,793 |
| Retained earnings to average equity (ytd only) | 1.2383% | 4,633 |
| Net charge-offs to loans | 0.3604% | 3,847 |
| Credit loss provision to net charge-offs | 233.5227% | 1,871 |
| Earnings coverage of net charge-offs (x) | 6.2046% | 2,647 |
| Efficiency ratio | 73.1497% | 4,028 |
| Assets per employee ($millions) | 2.6351% | 6,975 |
| Cash dividends to net income (ytd only)* | 88.0809% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6784% | 2,704 |
| Loan loss allowance to noncurrent loans | 93.7552% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 1.1994% | 4,674 |
| Noncurrent loans to loans | 1.7902% | 3,930 |
| Net loans and leases to total assets | 65.8737% | 4,459 |
| Net loans and leases to deposits | 76.7518% | 4,933 |
| Net loans and leases to core deposits | 78.7615% | 6,435 |
| Total domestic deposits to total assets | 85.8270% | 2,793 |
| Equity capital to assets | 8.3318% | 6,464 |
| Core capital (leverage) ratio | 8.2560% | 5,911 |
| Tier 1 risk-based capital ratio | 10.5242% | 6,439 |
| Total risk-based capital ratio | 11.7769% | 6,398 |
| Memoranda: | ||
| Average total assets | $96,553,000 | 5,229 |
| Average earning assets | $88,162,750 | 5,228 |
| Average equity | $8,290,500 | 5,892 |
| Average total loans | $65,113,000 | 5,104 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1734% | 1,550 |
| Cost of funding earning assets | 1.2055% | 7,089 |
| Net interest margin | 4.9679% | 467 |
| Noninterest income to average assets | 1.0612% | 1,407 |
| Noninterest expense to average assets | 3.9702% | 1,368 |
| Loan and lease loss provision to assets | 0.5453% | 2,838 |
| Net operating income to assets | 1.0612% | 1,910 |
| Return on assets (ROA) | 1.0612% | 1,986 |
| Pretax return on assets | 1.1179% | 2,568 |
| Return on Equity (ROE) | 12.2326% | 1,353 |
| Retained earnings to average equity (ytd only) | 3.0702% | 3,607 |
| Net charge-offs to loans | 0.2358% | 4,021 |
| Credit loss provision to net charge-offs | 342.1053% | 1,355 |
| Earnings coverage of net charge-offs (x) | 10.4342% | 1,995 |
| Efficiency ratio | 70.4765% | 4,687 |
| Assets per employee ($millions) | 2.4769% | 7,293 |
| Cash dividends to net income (ytd only)* | 74.9012% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 2,536 |
| Loan loss allowance to noncurrent loans | 121.8821% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.9624% | 5,057 |
| Noncurrent loans to loans | 1.3517% | 4,509 |
| Net loans and leases to total assets | 70.0282% | 3,703 |
| Net loans and leases to deposits | 82.2236% | 4,189 |
| Net loans and leases to core deposits | 84.4892% | 6,054 |
| Total domestic deposits to total assets | 85.1679% | 3,179 |
| Equity capital to assets | 8.9944% | 5,328 |
| Core capital (leverage) ratio | 8.2118% | 5,965 |
| Tier 1 risk-based capital ratio | 11.0674% | 5,812 |
| Total risk-based capital ratio | 12.3200% | 5,729 |
| Memoranda: | ||
| Average total assets | $95,359,330 | 5,300 |
| Average earning assets | $87,763,000 | 5,275 |
| Average equity | $8,273,000 | 5,926 |
| Average total loans | $64,454,670 | 5,161 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0200% | 2,279 |
| Cost of funding earning assets | 1.2790% | 7,085 |
| Net interest margin | 4.7409% | 704 |
| Noninterest income to average assets | 0.9834% | 1,531 |
| Noninterest expense to average assets | 3.7401% | 1,578 |
| Loan and lease loss provision to assets | 0.4320% | 2,767 |
| Net operating income to assets | 1.0698% | 2,067 |
| Return on assets (ROA) | 1.0698% | 2,200 |
| Pretax return on assets | 1.1274% | 2,882 |
| Return on Equity (ROE) | 12.5483% | 1,501 |
| Retained earnings to average equity (ytd only) | 12.5483% | 701 |
| Net charge-offs to loans | 0.1436% | 3,815 |
| Credit loss provision to net charge-offs | 456.5217% | 1,164 |
| Earnings coverage of net charge-offs (x) | 16.4783% | 1,549 |
| Efficiency ratio | 70.5745% | 4,458 |
| Assets per employee ($millions) | 2.7899% | 6,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 2,981 |
| Loan loss allowance to noncurrent loans | 80.5464% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 4,330 |
| Noncurrent loans to loans | 1.8638% | 3,472 |
| Net loans and leases to total assets | 61.8456% | 5,365 |
| Net loans and leases to deposits | 71.3279% | 5,827 |
| Net loans and leases to core deposits | 73.2444% | 6,852 |
| Total domestic deposits to total assets | 86.7061% | 2,361 |
| Equity capital to assets | 8.1257% | 6,639 |
| Core capital (leverage) ratio | 8.5923% | 5,359 |
| Tier 1 risk-based capital ratio | 11.0064% | 5,905 |
| Total risk-based capital ratio | 12.2576% | 5,798 |
| Memoranda: | ||
| Average total assets | $97,216,000 | 5,264 |
| Average earning assets | $88,505,500 | 5,271 |
| Average equity | $8,288,000 | 5,962 |
| Average total loans | $64,055,500 | 5,205 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0470% | 1,014 |
| Cost of funding earning assets | 1.8212% | 6,951 |
| Net interest margin | 5.2257% | 319 |
| Noninterest income to average assets | 1.2394% | 969 |
| Noninterest expense to average assets | 4.3283% | 1,013 |
| Loan and lease loss provision to assets | 0.3113% | 3,885 |
| Net operating income to assets | 1.3053% | 1,471 |
| Return on assets (ROA) | 1.3053% | 1,419 |
| Pretax return on assets | 1.3882% | 2,004 |
| Return on Equity (ROE) | 14.2559% | 1,056 |
| Retained earnings to average equity (ytd only) | 4.3549% | 2,408 |
| Net charge-offs to loans | 0.3652% | 3,008 |
| Credit loss provision to net charge-offs | 124.5455% | 4,296 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 3,268 |
| Efficiency ratio | 71.8055% | 3,972 |
| Assets per employee ($millions) | 2.4650% | 7,269 |
| Cash dividends to net income (ytd only)* | 69.4517% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 3,152 |
| Loan loss allowance to noncurrent loans | 203.8902% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 5,779 |
| Noncurrent loans to loans | 0.6904% | 5,315 |
| Net loans and leases to total assets | 68.4235% | 4,385 |
| Net loans and leases to deposits | 81.2555% | 4,834 |
| Net loans and leases to core deposits | 84.6606% | 6,239 |
| Total domestic deposits to total assets | 84.2079% | 3,219 |
| Equity capital to assets | 8.9777% | 5,397 |
| Core capital (leverage) ratio | 8.6319% | 5,319 |
| Tier 1 risk-based capital ratio | 11.1780% | 5,561 |
| Total risk-based capital ratio | 12.4292% | 5,446 |
| Memoranda: | ||
| Average total assets | $88,026,000 | 5,420 |
| Average earning assets | $80,659,000 | 5,414 |
| Average equity | $8,059,800 | 6,068 |
| Average total loans | $60,234,800 | 5,252 |