Home > Kaplan State Bank > Performance and Condition Ratios
Kaplan State Bank, Performance and Condition Ratios
| 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 | 3.8076% | 4,029 |
| Cost of funding earning assets | 0.2122% | 4,854 |
| Net interest margin | 3.5955% | 3,185 |
| Noninterest income to average assets | 0.7925% | 1,591 |
| Noninterest expense to average assets | 2.7363% | 3,012 |
| Loan and lease loss provision to assets | 0.0466% | 3,297 |
| Net operating income to assets | 1.3274% | 1,169 |
| Return on assets (ROA) | 1.3274% | 1,186 |
| Pretax return on assets | 1.3274% | 2,260 |
| Return on Equity (ROE) | 8.5828% | 2,505 |
| Retained earnings to average equity (ytd only) | 8.5828% | 593 |
| Net charge-offs to loans | 0.2793% | 933 |
| Credit loss provision to net charge-offs | 44.9438% | 3,386 |
| Earnings coverage of net charge-offs (x) | 13.2472% | 2,414 |
| Efficiency ratio | 66.5722% | 3,155 |
| Assets per employee ($millions) | 4.7387% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,892 |
| Loan loss allowance to noncurrent loans | 52.2581% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 0.8934% | 1,743 |
| Noncurrent loans to loans | 1.9286% | 800 |
| Net loans and leases to total assets | 37.3101% | 5,250 |
| Net loans and leases to deposits | 46.1625% | 5,187 |
| Net loans and leases to core deposits | 52.0843% | 5,065 |
| Total domestic deposits to total assets | 80.8233% | 4,161 |
| Equity capital to assets | 15.9175% | 526 |
| Core capital (leverage) ratio | 15.2180% | 583 |
| Tier 1 risk-based capital ratio | 33.5568% | 356 |
| Total risk-based capital ratio | 34.3858% | 361 |
| Memoranda: | ||
| Average total assets | $85,808,200 | 4,487 |
| Average earning assets | $79,182,800 | 4,477 |
| Average equity | $13,270,800 | 3,948 |
| Average total loans | $31,861,600 | 4,974 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 3,978 |
| Cost of funding earning assets | 0.2083% | 4,902 |
| Net interest margin | 3.6008% | 3,146 |
| Noninterest income to average assets | 0.7990% | 1,598 |
| Noninterest expense to average assets | 2.7710% | 2,824 |
| Loan and lease loss provision to assets | 0.0621% | 2,832 |
| Net operating income to assets | 1.2924% | 1,364 |
| Return on assets (ROA) | 1.2924% | 1,397 |
| Pretax return on assets | 1.2924% | 2,527 |
| Return on Equity (ROE) | 8.4176% | 2,924 |
| Retained earnings to average equity (ytd only) | 8.4176% | 1,047 |
| Net charge-offs to loans | 0.3020% | 694 |
| Credit loss provision to net charge-offs | 55.5556% | 2,855 |
| Earnings coverage of net charge-offs (x) | 12.1247% | 2,449 |
| Efficiency ratio | 67.1681% | 3,022 |
| Assets per employee ($millions) | 4.5252% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,503 |
| Loan loss allowance to noncurrent loans | 50.8955% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 0.8851% | 1,945 |
| Noncurrent loans to loans | 2.1532% | 761 |
| Net loans and leases to total assets | 35.7948% | 5,358 |
| Net loans and leases to deposits | 44.2051% | 5,309 |
| Net loans and leases to core deposits | 49.8114% | 5,203 |
| Total domestic deposits to total assets | 80.9744% | 4,054 |
| Equity capital to assets | 15.8027% | 577 |
| Core capital (leverage) ratio | 15.0705% | 650 |
| Tier 1 risk-based capital ratio | 33.2072% | 375 |
| Total risk-based capital ratio | 34.0938% | 380 |
| Memoranda: | ||
| Average total assets | $85,936,250 | 4,528 |
| Average earning assets | $79,387,500 | 4,517 |
| Average equity | $13,194,250 | 4,001 |
| Average total loans | $31,790,000 | 5,023 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 3,814 |
| Cost of funding earning assets | 0.1939% | 5,036 |
| Net interest margin | 3.6289% | 2,919 |
| Noninterest income to average assets | 0.7914% | 1,603 |
| Noninterest expense to average assets | 2.8072% | 2,732 |
| Loan and lease loss provision to assets | 0.0838% | 2,310 |
| Net operating income to assets | 1.2546% | 1,421 |
| Return on assets (ROA) | 1.2546% | 1,444 |
| Pretax return on assets | 1.2546% | 2,559 |
| Return on Equity (ROE) | 8.2521% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.2521% | 1,072 |
| Net charge-offs to loans | 0.3249% | 625 |
| Credit loss provision to net charge-offs | 69.2308% | 2,388 |
| Earnings coverage of net charge-offs (x) | 11.0577% | 2,300 |
| Efficiency ratio | 67.7148% | 3,066 |
| Assets per employee ($millions) | 4.2769% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,427 |
| Loan loss allowance to noncurrent loans | 46.1837% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 0.9832% | 1,783 |
| Noncurrent loans to loans | 2.4427% | 628 |
| Net loans and leases to total assets | 36.5783% | 5,356 |
| Net loans and leases to deposits | 45.1995% | 5,305 |
| Net loans and leases to core deposits | 50.5558% | 5,201 |
| Total domestic deposits to total assets | 80.9264% | 4,197 |
| Equity capital to assets | 15.6833% | 574 |
| Core capital (leverage) ratio | 14.5584% | 730 |
| Tier 1 risk-based capital ratio | 31.3016% | 425 |
| Total risk-based capital ratio | 32.1945% | 432 |
| Memoranda: | ||
| Average total assets | $85,922,000 | 4,559 |
| Average earning assets | $79,418,000 | 4,543 |
| Average equity | $13,063,330 | 4,025 |
| Average total loans | $32,014,330 | 5,045 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 3,574 |
| Cost of funding earning assets | 0.1962% | 5,013 |
| Net interest margin | 3.6569% | 2,666 |
| Noninterest income to average assets | 0.8268% | 1,463 |
| Noninterest expense to average assets | 2.9031% | 2,448 |
| Loan and lease loss provision to assets | 0.1486% | 1,252 |
| Net operating income to assets | 1.1520% | 1,658 |
| Return on assets (ROA) | 1.1520% | 1,694 |
| Pretax return on assets | 1.1520% | 2,769 |
| Return on Equity (ROE) | 7.6974% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.6974% | 1,578 |
| Net charge-offs to loans | 0.6460% | 277 |
| Credit loss provision to net charge-offs | 61.5385% | 1,897 |
| Earnings coverage of net charge-offs (x) | 5.3846% | 2,297 |
| Efficiency ratio | 69.0608% | 3,034 |
| Assets per employee ($millions) | 4.3357% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 3,586 |
| Loan loss allowance to noncurrent loans | 43.4194% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 0.9606% | 1,913 |
| Noncurrent loans to loans | 2.5803% | 593 |
| Net loans and leases to total assets | 35.9285% | 5,401 |
| Net loans and leases to deposits | 44.1358% | 5,361 |
| Net loans and leases to core deposits | 49.2515% | 5,256 |
| Total domestic deposits to total assets | 81.4044% | 4,320 |
| Equity capital to assets | 15.0748% | 641 |
| Core capital (leverage) ratio | 14.1018% | 815 |
| Tier 1 risk-based capital ratio | 32.7502% | 390 |
| Total risk-based capital ratio | 33.6959% | 391 |
| Memoranda: | ||
| Average total assets | $86,114,500 | 4,599 |
| Average earning assets | $79,520,000 | 4,587 |
| Average equity | $12,887,500 | 4,075 |
| Average total loans | $32,199,000 | 5,086 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6988% | 4,210 |
| Cost of funding earning assets | 0.1931% | 5,089 |
| Net interest margin | 3.5057% | 3,407 |
| Noninterest income to average assets | 0.9444% | 1,281 |
| Noninterest expense to average assets | 2.7952% | 3,034 |
| Loan and lease loss provision to assets | 0.1485% | 1,676 |
| Net operating income to assets | 1.3050% | 1,200 |
| Return on assets (ROA) | 1.3050% | 1,270 |
| Pretax return on assets | 1.3050% | 2,263 |
| Return on Equity (ROE) | 8.4523% | 2,702 |
| Retained earnings to average equity (ytd only) | -6.5435% | 5,719 |
| Net charge-offs to loans | 0.3382% | 812 |
| Credit loss provision to net charge-offs | 123.1481% | 2,167 |
| Earnings coverage of net charge-offs (x) | 12.0556% | 2,487 |
| Efficiency ratio | 65.7909% | 3,630 |
| Assets per employee ($millions) | 4.2758% | 3,482 |
| Cash dividends to net income (ytd only)* | 177.4166% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 3,523 |
| Loan loss allowance to noncurrent loans | 54.8529% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7952% | 2,368 |
| Noncurrent loans to loans | 2.0675% | 862 |
| Net loans and leases to total assets | 38.0249% | 5,402 |
| Net loans and leases to deposits | 46.6401% | 5,344 |
| Net loans and leases to core deposits | 51.7787% | 5,236 |
| Total domestic deposits to total assets | 81.5284% | 4,199 |
| Equity capital to assets | 14.8547% | 667 |
| Core capital (leverage) ratio | 13.6906% | 899 |
| Tier 1 risk-based capital ratio | 31.1948% | 432 |
| Total risk-based capital ratio | 32.1638% | 441 |
| Memoranda: | ||
| Average total assets | $89,580,600 | 4,552 |
| Average earning assets | $84,433,800 | 4,509 |
| Average equity | $13,830,600 | 3,961 |
| Average total loans | $31,937,600 | 5,135 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6554% | 4,391 |
| Cost of funding earning assets | 0.1880% | 5,196 |
| Net interest margin | 3.4674% | 3,601 |
| Noninterest income to average assets | 0.9742% | 1,204 |
| Noninterest expense to average assets | 2.9125% | 2,609 |
| Loan and lease loss provision to assets | 0.0824% | 2,561 |
| Net operating income to assets | 1.2642% | 1,397 |
| Return on assets (ROA) | 1.2642% | 1,496 |
| Pretax return on assets | 1.2642% | 2,559 |
| Return on Equity (ROE) | 8.1155% | 2,950 |
| Retained earnings to average equity (ytd only) | -8.6540% | 5,831 |
| Net charge-offs to loans | 0.1598% | 1,422 |
| Credit loss provision to net charge-offs | 147.3684% | 1,793 |
| Earnings coverage of net charge-offs (x) | 24.0768% | 1,691 |
| Efficiency ratio | 68.3829% | 3,160 |
| Assets per employee ($millions) | 4.6249% | 2,881 |
| Cash dividends to net income (ytd only)* | 206.6367% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 4,131 |
| Loan loss allowance to noncurrent loans | 104.8571% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 3,833 |
| Noncurrent loans to loans | 1.0005% | 2,242 |
| Net loans and leases to total assets | 39.3939% | 5,411 |
| Net loans and leases to deposits | 48.6303% | 5,361 |
| Net loans and leases to core deposits | 54.1763% | 5,220 |
| Total domestic deposits to total assets | 81.0069% | 4,240 |
| Equity capital to assets | 15.3094% | 668 |
| Core capital (leverage) ratio | 13.5328% | 985 |
| Tier 1 risk-based capital ratio | 29.6472% | 497 |
| Total risk-based capital ratio | 30.5565% | 507 |
| Memoranda: | ||
| Average total assets | $90,597,000 | 4,572 |
| Average earning assets | $85,824,750 | 4,511 |
| Average equity | $14,112,500 | 3,963 |
| Average total loans | $31,699,500 | 5,195 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6571% | 4,424 |
| Cost of funding earning assets | 0.1867% | 5,269 |
| Net interest margin | 3.4704% | 3,612 |
| Noninterest income to average assets | 1.0251% | 1,066 |
| Noninterest expense to average assets | 2.8676% | 2,779 |
| Loan and lease loss provision to assets | 0.0087% | 3,907 |
| Net operating income to assets | 1.4404% | 989 |
| Return on assets (ROA) | 1.4404% | 1,038 |
| Pretax return on assets | 1.4404% | 1,876 |
| Return on Equity (ROE) | 9.1960% | 2,407 |
| Retained earnings to average equity (ytd only) | 0.9629% | 5,005 |
| Net charge-offs to loans | 0.1307% | 1,544 |
| Credit loss provision to net charge-offs | 20.0000% | 2,929 |
| Earnings coverage of net charge-offs (x) | 33.1500% | 1,314 |
| Efficiency ratio | 66.4304% | 3,609 |
| Assets per employee ($millions) | 4.2742% | 3,420 |
| Cash dividends to net income (ytd only)* | 89.5296% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 4,122 |
| Loan loss allowance to noncurrent loans | 91.9668% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 3,883 |
| Noncurrent loans to loans | 1.1606% | 1,977 |
| Net loans and leases to total assets | 34.2840% | 5,667 |
| Net loans and leases to deposits | 42.8116% | 5,596 |
| Net loans and leases to core deposits | 47.6406% | 5,511 |
| Total domestic deposits to total assets | 80.0811% | 4,517 |
| Equity capital to assets | 16.0586% | 535 |
| Core capital (leverage) ratio | 14.0267% | 816 |
| Tier 1 risk-based capital ratio | 35.1692% | 331 |
| Total risk-based capital ratio | 36.0708% | 335 |
| Memoranda: | ||
| Average total assets | $91,504,670 | 4,595 |
| Average earning assets | $86,791,000 | 4,528 |
| Average equity | $14,332,330 | 3,952 |
| Average total loans | $30,604,670 | 5,278 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6673% | 4,432 |
| Cost of funding earning assets | 0.1872% | 5,306 |
| Net interest margin | 3.4800% | 3,555 |
| Noninterest income to average assets | 1.2211% | 724 |
| Noninterest expense to average assets | 2.8795% | 2,777 |
| Loan and lease loss provision to assets | 0.0043% | 3,618 |
| Net operating income to assets | 1.6368% | 657 |
| Return on assets (ROA) | 1.6368% | 695 |
| Pretax return on assets | 1.6368% | 1,212 |
| Return on Equity (ROE) | 10.5797% | 1,752 |
| Retained earnings to average equity (ytd only) | 1.0076% | 4,835 |
| Net charge-offs to loans | 0.1845% | 1,056 |
| Credit loss provision to net charge-offs | 7.1429% | 2,380 |
| Earnings coverage of net charge-offs (x) | 27.0714% | 1,255 |
| Efficiency ratio | 63.6973% | 4,170 |
| Assets per employee ($millions) | 3.8924% | 4,130 |
| Cash dividends to net income (ytd only)* | 90.4762% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 3,943 |
| Loan loss allowance to noncurrent loans | 134.5382% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 4,492 |
| Noncurrent loans to loans | 0.8327% | 2,757 |
| Net loans and leases to total assets | 31.6502% | 5,788 |
| Net loans and leases to deposits | 39.1559% | 5,740 |
| Net loans and leases to core deposits | 43.3369% | 5,681 |
| Total domestic deposits to total assets | 80.8313% | 4,546 |
| Equity capital to assets | 15.3536% | 627 |
| Core capital (leverage) ratio | 13.9165% | 833 |
| Tier 1 risk-based capital ratio | 34.8072% | 338 |
| Total risk-based capital ratio | 35.7099% | 347 |
| Memoranda: | ||
| Average total assets | $92,377,500 | 4,610 |
| Average earning assets | $87,585,000 | 4,554 |
| Average equity | $14,291,500 | 3,971 |
| Average total loans | $30,354,500 | 5,323 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 4,355 |
| Cost of funding earning assets | 0.1863% | 5,389 |
| Net interest margin | 3.5199% | 3,453 |
| Noninterest income to average assets | 0.7538% | 1,963 |
| Noninterest expense to average assets | 2.5405% | 4,103 |
| Loan and lease loss provision to assets | 0.0118% | 4,176 |
| Net operating income to assets | 1.5344% | 805 |
| Return on assets (ROA) | 1.5344% | 836 |
| Pretax return on assets | 1.5344% | 1,449 |
| Return on Equity (ROE) | 10.3237% | 1,874 |
| Retained earnings to average equity (ytd only) | 7.5108% | 1,093 |
| Net charge-offs to loans | 0.0929% | 2,503 |
| Credit loss provision to net charge-offs | 37.9310% | 3,553 |
| Earnings coverage of net charge-offs (x) | 49.8621% | 1,005 |
| Efficiency ratio | 62.1664% | 4,579 |
| Assets per employee ($millions) | 3.8057% | 4,279 |
| Cash dividends to net income (ytd only)* | 27.2474% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 3,868 |
| Loan loss allowance to noncurrent loans | 167.3077% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 3,614 |
| Noncurrent loans to loans | 0.6752% | 3,172 |
| Net loans and leases to total assets | 33.3479% | 5,795 |
| Net loans and leases to deposits | 41.6300% | 5,718 |
| Net loans and leases to core deposits | 46.2334% | 5,639 |
| Total domestic deposits to total assets | 80.1055% | 4,718 |
| Equity capital to assets | 15.5906% | 583 |
| Core capital (leverage) ratio | 13.9580% | 835 |
| Tier 1 risk-based capital ratio | 34.3082% | 353 |
| Total risk-based capital ratio | 35.2351% | 359 |
| Memoranda: | ||
| Average total assets | $93,524,200 | 4,595 |
| Average earning assets | $88,554,400 | 4,530 |
| Average equity | $13,900,000 | 3,994 |
| Average total loans | $31,213,400 | 5,317 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6683% | 4,529 |
| Cost of funding earning assets | 0.1840% | 5,513 |
| Net interest margin | 3.4843% | 3,604 |
| Noninterest income to average assets | 0.7512% | 2,017 |
| Noninterest expense to average assets | 2.5441% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5080% | 912 |
| Return on assets (ROA) | 1.5080% | 946 |
| Pretax return on assets | 1.5080% | 1,662 |
| Return on Equity (ROE) | 10.2688% | 1,987 |
| Retained earnings to average equity (ytd only) | 6.4952% | 1,960 |
| Net charge-offs to loans | 0.0341% | 3,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 132.9550% | 506 |
| Efficiency ratio | 62.7842% | 4,443 |
| Assets per employee ($millions) | 3.4146% | 4,957 |
| Cash dividends to net income (ytd only)* | 36.7481% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 4,374 |
| Loan loss allowance to noncurrent loans | 64.6209% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 2,687 |
| Noncurrent loans to loans | 1.6599% | 1,475 |
| Net loans and leases to total assets | 35.8136% | 5,790 |
| Net loans and leases to deposits | 44.6201% | 5,701 |
| Net loans and leases to core deposits | 49.6825% | 5,588 |
| Total domestic deposits to total assets | 80.2634% | 4,683 |
| Equity capital to assets | 15.1702% | 701 |
| Core capital (leverage) ratio | 13.2284% | 1,120 |
| Tier 1 risk-based capital ratio | 31.9287% | 444 |
| Total risk-based capital ratio | 32.8424% | 451 |
| Memoranda: | ||
| Average total assets | $94,071,000 | 4,632 |
| Average earning assets | $89,121,750 | 4,573 |
| Average equity | $13,815,000 | 4,054 |
| Average total loans | $31,315,000 | 5,375 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6236% | 4,656 |
| Cost of funding earning assets | 0.1783% | 5,626 |
| Net interest margin | 3.4453% | 3,736 |
| Noninterest income to average assets | 0.7033% | 2,202 |
| Noninterest expense to average assets | 2.4795% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4890% | 914 |
| Return on assets (ROA) | 1.4890% | 962 |
| Pretax return on assets | 1.4890% | 1,680 |
| Return on Equity (ROE) | 10.2486% | 1,959 |
| Retained earnings to average equity (ytd only) | 6.5416% | 1,930 |
| Net charge-offs to loans | 0.0196% | 3,294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 298 |
| Efficiency ratio | 62.4800% | 4,600 |
| Assets per employee ($millions) | 3.8430% | 4,184 |
| Cash dividends to net income (ytd only)* | 36.1702% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 4,187 |
| Loan loss allowance to noncurrent loans | 76.1006% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 3,960 |
| Noncurrent loans to loans | 1.4832% | 1,789 |
| Net loans and leases to total assets | 33.0957% | 5,931 |
| Net loans and leases to deposits | 40.6263% | 5,882 |
| Net loans and leases to core deposits | 44.9567% | 5,805 |
| Total domestic deposits to total assets | 81.4636% | 4,458 |
| Equity capital to assets | 14.3199% | 872 |
| Core capital (leverage) ratio | 12.8944% | 1,212 |
| Tier 1 risk-based capital ratio | 31.8424% | 465 |
| Total risk-based capital ratio | 32.7831% | 470 |
| Memoranda: | ||
| Average total assets | $94,696,670 | 4,665 |
| Average earning assets | $89,746,000 | 4,603 |
| Average equity | $13,758,000 | 4,087 |
| Average total loans | $30,628,000 | 5,449 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5682% | 4,780 |
| Cost of funding earning assets | 0.1795% | 5,683 |
| Net interest margin | 3.3886% | 3,890 |
| Noninterest income to average assets | 0.6510% | 2,396 |
| Noninterest expense to average assets | 2.5147% | 4,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3488% | 1,139 |
| Return on assets (ROA) | 1.3488% | 1,206 |
| Pretax return on assets | 1.3488% | 2,082 |
| Return on Equity (ROE) | 9.2165% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.2165% | 1,125 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0881% | 4,302 |
| Assets per employee ($millions) | 3.8194% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 3,875 |
| Loan loss allowance to noncurrent loans | 563.0769% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 5,661 |
| Noncurrent loans to loans | 0.2159% | 5,008 |
| Net loans and leases to total assets | 31.1494% | 6,030 |
| Net loans and leases to deposits | 38.2793% | 5,975 |
| Net loans and leases to core deposits | 42.3919% | 5,894 |
| Total domestic deposits to total assets | 81.3740% | 4,714 |
| Equity capital to assets | 14.6191% | 798 |
| Core capital (leverage) ratio | 12.8521% | 1,215 |
| Tier 1 risk-based capital ratio | 32.6387% | 440 |
| Total risk-based capital ratio | 33.6216% | 440 |
| Memoranda: | ||
| Average total assets | $94,007,000 | 4,720 |
| Average earning assets | $89,121,500 | 4,653 |
| Average equity | $13,758,000 | 4,119 |
| Average total loans | $29,862,000 | 5,515 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6717% | 4,875 |
| Cost of funding earning assets | 0.1857% | 5,875 |
| Net interest margin | 3.4861% | 3,850 |
| Noninterest income to average assets | 0.6796% | 2,398 |
| Noninterest expense to average assets | 2.3651% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6225% | 678 |
| Return on assets (ROA) | 1.6225% | 709 |
| Pretax return on assets | 1.6225% | 1,169 |
| Return on Equity (ROE) | 11.6873% | 1,497 |
| Retained earnings to average equity (ytd only) | 0.9141% | 5,374 |
| Net charge-offs to loans | 0.0347% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 154.7000% | 350 |
| Efficiency ratio | 59.3109% | 5,305 |
| Assets per employee ($millions) | 3.7012% | 4,523 |
| Cash dividends to net income (ytd only)* | 92.1784% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 3,789 |
| Loan loss allowance to noncurrent loans | 762.5000% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 5,813 |
| Noncurrent loans to loans | 0.1621% | 5,246 |
| Net loans and leases to total assets | 31.6106% | 6,128 |
| Net loans and leases to deposits | 39.2146% | 6,057 |
| Net loans and leases to core deposits | 43.2364% | 5,984 |
| Total domestic deposits to total assets | 80.6093% | 4,855 |
| Equity capital to assets | 14.6516% | 773 |
| Core capital (leverage) ratio | 12.5826% | 1,314 |
| Tier 1 risk-based capital ratio | 30.8546% | 478 |
| Total risk-based capital ratio | 31.8086% | 481 |
| Memoranda: | ||
| Average total assets | $95,344,000 | 4,708 |
| Average earning assets | $90,474,800 | 4,641 |
| Average equity | $13,236,600 | 4,150 |
| Average total loans | $28,786,000 | 5,615 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6770% | 4,920 |
| Cost of funding earning assets | 0.1828% | 5,972 |
| Net interest margin | 3.4942% | 3,859 |
| Noninterest income to average assets | 0.6844% | 2,408 |
| Noninterest expense to average assets | 2.4293% | 4,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5714% | 808 |
| Return on assets (ROA) | 1.5714% | 835 |
| Pretax return on assets | 1.5714% | 1,420 |
| Return on Equity (ROE) | 11.4719% | 1,636 |
| Retained earnings to average equity (ytd only) | 1.3580% | 5,351 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7217% | 5,083 |
| Assets per employee ($millions) | 3.8378% | 4,215 |
| Cash dividends to net income (ytd only)* | 88.1621% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 3,475 |
| Loan loss allowance to noncurrent loans | 1,044.4444% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 6,018 |
| Noncurrent loans to loans | 0.1278% | 5,538 |
| Net loans and leases to total assets | 28.9728% | 6,289 |
| Net loans and leases to deposits | 35.8152% | 6,247 |
| Net loans and leases to core deposits | 39.3310% | 6,193 |
| Total domestic deposits to total assets | 80.8953% | 4,848 |
| Equity capital to assets | 14.1727% | 947 |
| Core capital (leverage) ratio | 12.2186% | 1,565 |
| Tier 1 risk-based capital ratio | 30.6174% | 492 |
| Total risk-based capital ratio | 31.5887% | 502 |
| Memoranda: | ||
| Average total assets | $96,047,750 | 4,740 |
| Average earning assets | $91,158,750 | 4,668 |
| Average equity | $13,156,500 | 4,189 |
| Average total loans | $28,578,750 | 5,680 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6799% | 4,922 |
| Cost of funding earning assets | 0.1820% | 6,059 |
| Net interest margin | 3.4979% | 3,796 |
| Noninterest income to average assets | 0.6848% | 2,355 |
| Noninterest expense to average assets | 2.4125% | 4,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5924% | 713 |
| Return on assets (ROA) | 1.5924% | 747 |
| Pretax return on assets | 1.5924% | 1,270 |
| Return on Equity (ROE) | 11.7608% | 1,493 |
| Retained earnings to average equity (ytd only) | -1.0300% | 5,856 |
| Net charge-offs to loans | 0.0139% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 382.5000% | 182 |
| Efficiency ratio | 60.2391% | 5,262 |
| Assets per employee ($millions) | 3.8650% | 4,136 |
| Cash dividends to net income (ytd only)* | 108.7582% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 3,884 |
| Loan loss allowance to noncurrent loans | 1,010.8108% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 6,092 |
| Noncurrent loans to loans | 0.1279% | 5,629 |
| Net loans and leases to total assets | 29.5444% | 6,323 |
| Net loans and leases to deposits | 36.3448% | 6,280 |
| Net loans and leases to core deposits | 39.8662% | 6,226 |
| Total domestic deposits to total assets | 81.2893% | 4,880 |
| Equity capital to assets | 13.8651% | 1,030 |
| Core capital (leverage) ratio | 12.0991% | 1,606 |
| Tier 1 risk-based capital ratio | 29.7126% | 535 |
| Total risk-based capital ratio | 30.6664% | 538 |
| Memoranda: | ||
| Average total assets | $96,082,000 | 4,771 |
| Average earning assets | $91,197,670 | 4,698 |
| Average equity | $13,009,330 | 4,221 |
| Average total loans | $28,713,670 | 5,714 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6461% | 5,022 |
| Cost of funding earning assets | 0.1805% | 6,158 |
| Net interest margin | 3.4656% | 3,836 |
| Noninterest income to average assets | 0.6638% | 2,377 |
| Noninterest expense to average assets | 2.4381% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5113% | 794 |
| Return on assets (ROA) | 1.5113% | 832 |
| Pretax return on assets | 1.5113% | 1,404 |
| Return on Equity (ROE) | 11.2988% | 1,604 |
| Retained earnings to average equity (ytd only) | -14.6697% | 6,463 |
| Net charge-offs to loans | 0.0280% | 3,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 273 |
| Efficiency ratio | 61.7336% | 5,167 |
| Assets per employee ($millions) | 3.8147% | 4,292 |
| Cash dividends to net income (ytd only)* | 229.8343% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 4,036 |
| Loan loss allowance to noncurrent loans | 328.0702% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 5,891 |
| Noncurrent loans to loans | 0.4012% | 4,930 |
| Net loans and leases to total assets | 29.4064% | 6,375 |
| Net loans and leases to deposits | 36.0955% | 6,315 |
| Net loans and leases to core deposits | 39.6348% | 6,252 |
| Total domestic deposits to total assets | 81.4684% | 5,104 |
| Equity capital to assets | 13.2541% | 1,189 |
| Core capital (leverage) ratio | 11.6795% | 1,841 |
| Tier 1 risk-based capital ratio | 28.3979% | 617 |
| Total risk-based capital ratio | 29.3423% | 622 |
| Memoranda: | ||
| Average total assets | $95,811,000 | 4,822 |
| Average earning assets | $90,836,000 | 4,753 |
| Average equity | $12,815,500 | 4,271 |
| Average total loans | $28,610,000 | 5,772 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8207% | 4,738 |
| Cost of funding earning assets | 0.2219% | 6,166 |
| Net interest margin | 3.5989% | 3,472 |
| Noninterest income to average assets | 0.6769% | 2,667 |
| Noninterest expense to average assets | 2.3768% | 5,138 |
| Loan and lease loss provision to assets | 0.0155% | 4,815 |
| Net operating income to assets | 1.6875% | 593 |
| Return on assets (ROA) | 1.6875% | 603 |
| Pretax return on assets | 1.6875% | 979 |
| Return on Equity (ROE) | 12.6366% | 1,245 |
| Retained earnings to average equity (ytd only) | 2.6697% | 4,344 |
| Net charge-offs to loans | 0.0196% | 5,047 |
| Credit loss provision to net charge-offs | 250.0000% | 904 |
| Earnings coverage of net charge-offs (x) | 274.6667% | 164 |
| Efficiency ratio | 58.2573% | 5,703 |
| Assets per employee ($millions) | 3.7021% | 4,471 |
| Cash dividends to net income (ytd only)* | 78.8732% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 4,116 |
| Loan loss allowance to noncurrent loans | 139.7770% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 5,421 |
| Noncurrent loans to loans | 0.9340% | 3,656 |
| Net loans and leases to total assets | 29.5320% | 6,476 |
| Net loans and leases to deposits | 36.2115% | 6,418 |
| Net loans and leases to core deposits | 39.7222% | 6,371 |
| Total domestic deposits to total assets | 81.5542% | 5,021 |
| Equity capital to assets | 13.4964% | 1,070 |
| Core capital (leverage) ratio | 12.0554% | 1,570 |
| Tier 1 risk-based capital ratio | 29.1896% | 542 |
| Total risk-based capital ratio | 30.1263% | 555 |
| Memoranda: | ||
| Average total assets | $96,767,600 | 4,822 |
| Average earning assets | $91,500,600 | 4,732 |
| Average equity | $12,922,800 | 4,279 |
| Average total loans | $30,596,200 | 5,733 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 4,639 |
| Cost of funding earning assets | 0.2271% | 6,249 |
| Net interest margin | 3.6330% | 3,310 |
| Noninterest income to average assets | 0.6839% | 2,713 |
| Noninterest expense to average assets | 2.4121% | 4,992 |
| Loan and lease loss provision to assets | 0.0206% | 4,584 |
| Net operating income to assets | 1.6856% | 635 |
| Return on assets (ROA) | 1.6856% | 672 |
| Pretax return on assets | 1.6856% | 1,133 |
| Return on Equity (ROE) | 12.6555% | 1,324 |
| Retained earnings to average equity (ytd only) | -0.6509% | 6,073 |
| Net charge-offs to loans | 0.0258% | 4,609 |
| Credit loss provision to net charge-offs | 250.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 206.6613% | 280 |
| Efficiency ratio | 58.5700% | 5,615 |
| Assets per employee ($millions) | 3.7037% | 4,445 |
| Cash dividends to net income (ytd only)* | 105.1430% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 4,672 |
| Loan loss allowance to noncurrent loans | 187.0647% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 5,816 |
| Noncurrent loans to loans | 0.6649% | 4,537 |
| Net loans and leases to total assets | 31.0002% | 6,492 |
| Net loans and leases to deposits | 38.0072% | 6,447 |
| Net loans and leases to core deposits | 41.6898% | 6,394 |
| Total domestic deposits to total assets | 81.5641% | 5,062 |
| Equity capital to assets | 13.1615% | 1,261 |
| Core capital (leverage) ratio | 11.7883% | 1,822 |
| Tier 1 risk-based capital ratio | 27.6173% | 656 |
| Total risk-based capital ratio | 28.5355% | 667 |
| Memoranda: | ||
| Average total assets | $96,895,750 | 4,856 |
| Average earning assets | $91,602,000 | 4,775 |
| Average equity | $12,905,750 | 4,327 |
| Average total loans | $31,044,750 | 5,762 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8896% | 4,521 |
| Cost of funding earning assets | 0.2312% | 6,297 |
| Net interest margin | 3.6584% | 3,141 |
| Noninterest income to average assets | 0.6694% | 2,798 |
| Noninterest expense to average assets | 2.4162% | 5,010 |
| Loan and lease loss provision to assets | 0.0309% | 4,311 |
| Net operating income to assets | 1.6767% | 651 |
| Return on assets (ROA) | 1.6767% | 711 |
| Pretax return on assets | 1.6767% | 1,167 |
| Return on Equity (ROE) | 12.5395% | 1,350 |
| Retained earnings to average equity (ytd only) | -4.7447% | 6,443 |
| Net charge-offs to loans | 0.0319% | 4,242 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 165.8000% | 300 |
| Efficiency ratio | 58.5914% | 5,654 |
| Assets per employee ($millions) | 3.7020% | 4,396 |
| Cash dividends to net income (ytd only)* | 137.8378% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 4,851 |
| Loan loss allowance to noncurrent loans | 121.6129% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 5,511 |
| Noncurrent loans to loans | 1.0075% | 3,920 |
| Net loans and leases to total assets | 31.5744% | 6,526 |
| Net loans and leases to deposits | 38.7581% | 6,458 |
| Net loans and leases to core deposits | 42.5204% | 6,386 |
| Total domestic deposits to total assets | 81.4653% | 5,223 |
| Equity capital to assets | 12.7738% | 1,427 |
| Core capital (leverage) ratio | 11.3892% | 2,026 |
| Tier 1 risk-based capital ratio | 25.9092% | 785 |
| Total risk-based capital ratio | 26.7920% | 797 |
| Memoranda: | ||
| Average total assets | $97,095,670 | 4,881 |
| Average earning assets | $91,680,000 | 4,803 |
| Average equity | $12,983,000 | 4,347 |
| Average total loans | $31,317,000 | 5,787 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9148% | 4,420 |
| Cost of funding earning assets | 0.2313% | 6,406 |
| Net interest margin | 3.6835% | 2,930 |
| Noninterest income to average assets | 0.6686% | 2,769 |
| Noninterest expense to average assets | 2.4242% | 5,035 |
| Loan and lease loss provision to assets | 0.0615% | 3,606 |
| Net operating income to assets | 1.6448% | 651 |
| Return on assets (ROA) | 1.6448% | 718 |
| Pretax return on assets | 1.6448% | 1,201 |
| Return on Equity (ROE) | 12.0357% | 1,414 |
| Retained earnings to average equity (ytd only) | -10.8952% | 6,648 |
| Net charge-offs to loans | 0.1140% | 2,745 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 46.2222% | 710 |
| Efficiency ratio | 58.6892% | 5,756 |
| Assets per employee ($millions) | 3.7751% | 4,404 |
| Cash dividends to net income (ytd only)* | 190.5237% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 5,296 |
| Loan loss allowance to noncurrent loans | 126.8707% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 5,670 |
| Noncurrent loans to loans | 0.9262% | 4,279 |
| Net loans and leases to total assets | 31.9606% | 6,517 |
| Net loans and leases to deposits | 39.4646% | 6,442 |
| Net loans and leases to core deposits | 43.2385% | 6,356 |
| Total domestic deposits to total assets | 80.9856% | 5,500 |
| Equity capital to assets | 13.3120% | 1,291 |
| Core capital (leverage) ratio | 11.3854% | 1,955 |
| Tier 1 risk-based capital ratio | 25.6065% | 829 |
| Total risk-based capital ratio | 26.4741% | 848 |
| Memoranda: | ||
| Average total assets | $97,517,500 | 4,915 |
| Average earning assets | $91,652,500 | 4,851 |
| Average equity | $13,327,000 | 4,325 |
| Average total loans | $31,591,500 | 5,815 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 5,147 |
| Cost of funding earning assets | 0.2705% | 6,589 |
| Net interest margin | 3.7787% | 3,322 |
| Noninterest income to average assets | 0.7328% | 2,575 |
| Noninterest expense to average assets | 2.4852% | 5,153 |
| Loan and lease loss provision to assets | 0.0258% | 5,571 |
| Net operating income to assets | 1.7834% | 528 |
| Return on assets (ROA) | 1.7834% | 589 |
| Pretax return on assets | 1.7834% | 949 |
| Return on Equity (ROE) | 13.2118% | 1,176 |
| Retained earnings to average equity (ytd only) | 9.0372% | 809 |
| Net charge-offs to loans | 0.1059% | 4,604 |
| Credit loss provision to net charge-offs | 80.6452% | 3,813 |
| Earnings coverage of net charge-offs (x) | 56.5484% | 624 |
| Efficiency ratio | 57.8707% | 5,850 |
| Assets per employee ($millions) | 3.7263% | 4,514 |
| Cash dividends to net income (ytd only)* | 31.5972% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 5,275 |
| Loan loss allowance to noncurrent loans | 122.3333% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 5,743 |
| Noncurrent loans to loans | 0.9542% | 4,286 |
| Net loans and leases to total assets | 32.0727% | 6,626 |
| Net loans and leases to deposits | 39.7485% | 6,566 |
| Net loans and leases to core deposits | 43.6198% | 6,484 |
| Total domestic deposits to total assets | 80.6891% | 5,489 |
| Equity capital to assets | 14.0252% | 1,038 |
| Core capital (leverage) ratio | 11.6932% | 1,740 |
| Tier 1 risk-based capital ratio | 27.0376% | 688 |
| Total risk-based capital ratio | 27.9101% | 709 |
| Memoranda: | ||
| Average total assets | $96,895,000 | 4,914 |
| Average earning assets | $91,327,000 | 4,830 |
| Average equity | $13,079,200 | 4,345 |
| Average total loans | $29,273,800 | 5,985 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 5,420 |
| Cost of funding earning assets | 0.2798% | 6,696 |
| Net interest margin | 3.7558% | 3,522 |
| Noninterest income to average assets | 0.7527% | 2,464 |
| Noninterest expense to average assets | 2.5029% | 5,073 |
| Loan and lease loss provision to assets | 0.0138% | 5,641 |
| Net operating income to assets | 1.7819% | 588 |
| Return on assets (ROA) | 1.7819% | 657 |
| Pretax return on assets | 1.7819% | 1,090 |
| Return on Equity (ROE) | 13.3309% | 1,261 |
| Retained earnings to average equity (ytd only) | 7.7103% | 1,747 |
| Net charge-offs to loans | 0.1067% | 4,321 |
| Credit loss provision to net charge-offs | 43.4783% | 4,541 |
| Earnings coverage of net charge-offs (x) | 56.7317% | 687 |
| Efficiency ratio | 58.2266% | 5,756 |
| Assets per employee ($millions) | 3.5674% | 4,811 |
| Cash dividends to net income (ytd only)* | 42.1621% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 5,645 |
| Loan loss allowance to noncurrent loans | 157.8947% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 6,109 |
| Noncurrent loans to loans | 0.7084% | 5,023 |
| Net loans and leases to total assets | 33.0416% | 6,702 |
| Net loans and leases to deposits | 41.3749% | 6,631 |
| Net loans and leases to core deposits | 44.9793% | 6,561 |
| Total domestic deposits to total assets | 79.8590% | 5,699 |
| Equity capital to assets | 14.1485% | 1,098 |
| Core capital (leverage) ratio | 11.3809% | 2,068 |
| Tier 1 risk-based capital ratio | 25.7431% | 846 |
| Total risk-based capital ratio | 26.5904% | 869 |
| Memoranda: | ||
| Average total assets | $96,898,000 | 4,963 |
| Average earning assets | $91,481,750 | 4,870 |
| Average equity | $12,952,000 | 4,406 |
| Average total loans | $28,732,250 | 6,076 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 5,952 |
| Cost of funding earning assets | 0.2897% | 6,768 |
| Net interest margin | 3.5913% | 4,298 |
| Noninterest income to average assets | 0.7642% | 2,355 |
| Noninterest expense to average assets | 2.5049% | 5,119 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6562% | 740 |
| Return on assets (ROA) | 1.6562% | 825 |
| Pretax return on assets | 1.6562% | 1,377 |
| Return on Equity (ROE) | 12.6349% | 1,465 |
| Retained earnings to average equity (ytd only) | 6.1289% | 2,630 |
| Net charge-offs to loans | 0.1160% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 50.2500% | 729 |
| Efficiency ratio | 60.1980% | 5,540 |
| Assets per employee ($millions) | 3.5727% | 4,813 |
| Cash dividends to net income (ytd only)* | 51.4925% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 5,526 |
| Loan loss allowance to noncurrent loans | 155.2174% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 6,173 |
| Noncurrent loans to loans | 0.7475% | 5,014 |
| Net loans and leases to total assets | 31.5292% | 6,829 |
| Net loans and leases to deposits | 39.5259% | 6,749 |
| Net loans and leases to core deposits | 42.9673% | 6,699 |
| Total domestic deposits to total assets | 79.7684% | 5,803 |
| Equity capital to assets | 13.5368% | 1,284 |
| Core capital (leverage) ratio | 10.8400% | 2,446 |
| Tier 1 risk-based capital ratio | 24.8806% | 913 |
| Total risk-based capital ratio | 25.7203% | 942 |
| Memoranda: | ||
| Average total assets | $97,090,330 | 4,976 |
| Average earning assets | $91,832,670 | 4,879 |
| Average equity | $12,726,670 | 4,451 |
| Average total loans | $27,581,000 | 6,174 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 6,117 |
| Cost of funding earning assets | 0.3079% | 6,817 |
| Net interest margin | 3.5520% | 4,480 |
| Noninterest income to average assets | 0.6817% | 2,748 |
| Noninterest expense to average assets | 2.4845% | 5,200 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5605% | 923 |
| Return on assets (ROA) | 1.5605% | 1,030 |
| Pretax return on assets | 1.5605% | 1,703 |
| Return on Equity (ROE) | 12.1009% | 1,656 |
| Retained earnings to average equity (ytd only) | 7.9293% | 2,007 |
| Net charge-offs to loans | 0.2001% | 2,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 29.2308% | 939 |
| Efficiency ratio | 61.4213% | 5,378 |
| Assets per employee ($millions) | 3.5466% | 5,010 |
| Cash dividends to net income (ytd only)* | 34.4737% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 4,856 |
| Loan loss allowance to noncurrent loans | 153.8462% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 6,226 |
| Noncurrent loans to loans | 0.8681% | 4,932 |
| Net loans and leases to total assets | 26.7809% | 7,010 |
| Net loans and leases to deposits | 33.5719% | 6,961 |
| Net loans and leases to core deposits | 37.1153% | 6,904 |
| Total domestic deposits to total assets | 79.7716% | 5,905 |
| Equity capital to assets | 12.9489% | 1,459 |
| Core capital (leverage) ratio | 10.7093% | 2,535 |
| Tier 1 risk-based capital ratio | 25.8321% | 819 |
| Total risk-based capital ratio | 26.7229% | 836 |
| Memoranda: | ||
| Average total assets | $97,404,000 | 5,006 |
| Average earning assets | $92,229,500 | 4,899 |
| Average equity | $12,561,000 | 4,495 |
| Average total loans | $25,986,000 | 6,310 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 5,913 |
| Cost of funding earning assets | 0.4623% | 6,692 |
| Net interest margin | 3.7890% | 3,882 |
| Noninterest income to average assets | 0.7809% | 2,160 |
| Noninterest expense to average assets | 2.5337% | 5,339 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.8147% | 448 |
| Return on assets (ROA) | 1.8147% | 480 |
| Pretax return on assets | 1.8147% | 783 |
| Return on Equity (ROE) | 14.2248% | 880 |
| Retained earnings to average equity (ytd only) | 4.8419% | 2,755 |
| Net charge-offs to loans | 0.0119% | 6,263 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 567.0000% | 54 |
| Efficiency ratio | 58.2679% | 6,015 |
| Assets per employee ($millions) | 3.0807% | 5,933 |
| Cash dividends to net income (ytd only)* | 65.9612% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 4,067 |
| Loan loss allowance to noncurrent loans | 68.4404% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 5,460 |
| Noncurrent loans to loans | 2.1785% | 2,975 |
| Net loans and leases to total assets | 25.8047% | 7,123 |
| Net loans and leases to deposits | 32.3875% | 7,086 |
| Net loans and leases to core deposits | 36.1471% | 7,034 |
| Total domestic deposits to total assets | 79.6748% | 5,823 |
| Equity capital to assets | 12.8406% | 1,578 |
| Core capital (leverage) ratio | 10.6724% | 2,552 |
| Tier 1 risk-based capital ratio | 26.3525% | 751 |
| Total risk-based capital ratio | 27.3172% | 760 |
| Memoranda: | ||
| Average total assets | $93,737,000 | 5,077 |
| Average earning assets | $88,256,600 | 4,986 |
| Average equity | $11,958,000 | 4,563 |
| Average total loans | $25,224,800 | 6,407 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 5,751 |
| Cost of funding earning assets | 0.4893% | 6,743 |
| Net interest margin | 3.8676% | 3,532 |
| Noninterest income to average assets | 0.7546% | 2,289 |
| Noninterest expense to average assets | 2.6424% | 4,930 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7492% | 566 |
| Return on assets (ROA) | 1.7492% | 622 |
| Pretax return on assets | 1.7492% | 1,044 |
| Return on Equity (ROE) | 13.7350% | 1,099 |
| Retained earnings to average equity (ytd only) | 6.7890% | 2,086 |
| Net charge-offs to loans | 0.0053% | 6,110 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1,227.0376% | 15 |
| Efficiency ratio | 60.1692% | 5,692 |
| Assets per employee ($millions) | 3.1988% | 5,684 |
| Cash dividends to net income (ytd only)* | 50.5717% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 4,070 |
| Loan loss allowance to noncurrent loans | 126.2626% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 6,219 |
| Noncurrent loans to loans | 1.1904% | 4,555 |
| Net loans and leases to total assets | 25.6086% | 7,198 |
| Net loans and leases to deposits | 32.2939% | 7,170 |
| Net loans and leases to core deposits | 35.6599% | 7,127 |
| Total domestic deposits to total assets | 79.2985% | 5,922 |
| Equity capital to assets | 12.9080% | 1,660 |
| Core capital (leverage) ratio | 10.7545% | 2,613 |
| Tier 1 risk-based capital ratio | 26.0207% | 835 |
| Total risk-based capital ratio | 26.9759% | 840 |
| Memoranda: | ||
| Average total assets | $93,295,750 | 5,127 |
| Average earning assets | $87,736,250 | 5,041 |
| Average equity | $11,881,750 | 4,595 |
| Average total loans | $25,276,750 | 6,466 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4612% | 5,485 |
| Cost of funding earning assets | 0.5095% | 6,817 |
| Net interest margin | 3.9517% | 3,080 |
| Noninterest income to average assets | 0.7727% | 2,148 |
| Noninterest expense to average assets | 2.6968% | 4,835 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7856% | 520 |
| Return on assets (ROA) | 1.7856% | 556 |
| Pretax return on assets | 1.7856% | 907 |
| Return on Equity (ROE) | 14.0865% | 965 |
| Retained earnings to average equity (ytd only) | 6.0785% | 2,374 |
| Net charge-offs to loans | 0.0315% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 206.2500% | 181 |
| Efficiency ratio | 60.1642% | 5,847 |
| Assets per employee ($millions) | 3.0931% | 5,892 |
| Cash dividends to net income (ytd only)* | 56.8485% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 4,080 |
| Loan loss allowance to noncurrent loans | 149.3976% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 5,389 |
| Noncurrent loans to loans | 1.0117% | 4,973 |
| Net loans and leases to total assets | 26.1224% | 7,282 |
| Net loans and leases to deposits | 33.1274% | 7,246 |
| Net loans and leases to core deposits | 35.2116% | 7,234 |
| Total domestic deposits to total assets | 78.8542% | 6,121 |
| Equity capital to assets | 13.0073% | 1,512 |
| Core capital (leverage) ratio | 10.7390% | 2,481 |
| Tier 1 risk-based capital ratio | 26.6063% | 750 |
| Total risk-based capital ratio | 27.5994% | 765 |
| Memoranda: | ||
| Average total assets | $92,406,330 | 5,195 |
| Average earning assets | $86,747,670 | 5,108 |
| Average equity | $11,713,330 | 4,638 |
| Average total loans | $25,385,670 | 6,519 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5779% | 5,041 |
| Cost of funding earning assets | 0.5169% | 6,912 |
| Net interest margin | 4.0610% | 2,428 |
| Noninterest income to average assets | 0.7635% | 2,201 |
| Noninterest expense to average assets | 2.6938% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8869% | 413 |
| Return on assets (ROA) | 1.8869% | 437 |
| Pretax return on assets | 1.8869% | 699 |
| Return on Equity (ROE) | 15.0845% | 808 |
| Retained earnings to average equity (ytd only) | 9.9176% | 1,137 |
| Net charge-offs to loans | 0.0466% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 214 |
| Efficiency ratio | 58.8068% | 6,155 |
| Assets per employee ($millions) | 3.1991% | 5,716 |
| Cash dividends to net income (ytd only)* | 34.2529% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 4,242 |
| Loan loss allowance to noncurrent loans | 152.4590% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 5,422 |
| Noncurrent loans to loans | 0.9798% | 5,088 |
| Net loans and leases to total assets | 26.4409% | 7,334 |
| Net loans and leases to deposits | 33.3143% | 7,287 |
| Net loans and leases to core deposits | 35.3963% | 7,279 |
| Total domestic deposits to total assets | 79.3679% | 6,100 |
| Equity capital to assets | 12.6265% | 1,563 |
| Core capital (leverage) ratio | 10.7074% | 2,435 |
| Tier 1 risk-based capital ratio | 25.9124% | 798 |
| Total risk-based capital ratio | 26.8864% | 796 |
| Memoranda: | ||
| Average total assets | $92,212,500 | 5,231 |
| Average earning assets | $86,677,500 | 5,139 |
| Average equity | $11,535,000 | 4,655 |
| Average total loans | $25,772,500 | 6,540 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8706% | 5,155 |
| Cost of funding earning assets | 0.6192% | 7,084 |
| Net interest margin | 4.2514% | 1,988 |
| Noninterest income to average assets | 0.8226% | 2,176 |
| Noninterest expense to average assets | 2.6517% | 5,206 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.1614% | 212 |
| Return on assets (ROA) | 2.1646% | 221 |
| Pretax return on assets | 2.1646% | 348 |
| Return on Equity (ROE) | 17.4883% | 431 |
| Retained earnings to average equity (ytd only) | 8.2720% | 896 |
| Net charge-offs to loans | 0.1013% | 5,851 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 71.3214% | 341 |
| Efficiency ratio | 55.0933% | 6,702 |
| Assets per employee ($millions) | 3.0551% | 5,989 |
| Cash dividends to net income (ytd only)* | 52.7000% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 4,457 |
| Loan loss allowance to noncurrent loans | 74.9004% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5477% | 5,936 |
| Noncurrent loans to loans | 1.8842% | 3,707 |
| Net loans and leases to total assets | 28.6595% | 7,388 |
| Net loans and leases to deposits | 35.7759% | 7,350 |
| Net loans and leases to core deposits | 37.8269% | 7,355 |
| Total domestic deposits to total assets | 80.1085% | 5,805 |
| Equity capital to assets | 12.3903% | 1,700 |
| Core capital (leverage) ratio | 10.3938% | 2,678 |
| Tier 1 risk-based capital ratio | 24.7553% | 866 |
| Total risk-based capital ratio | 25.7238% | 875 |
| Memoranda: | ||
| Average total assets | $92,394,800 | 5,211 |
| Average earning assets | $86,725,000 | 5,130 |
| Average equity | $11,436,200 | 4,752 |
| Average total loans | $27,630,600 | 6,518 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9399% | 5,081 |
| Cost of funding earning assets | 0.6403% | 7,202 |
| Net interest margin | 4.2996% | 1,852 |
| Noninterest income to average assets | 0.8036% | 2,219 |
| Noninterest expense to average assets | 2.7420% | 4,716 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.0940% | 289 |
| Return on assets (ROA) | 2.0983% | 308 |
| Pretax return on assets | 2.0983% | 504 |
| Return on Equity (ROE) | 16.9569% | 591 |
| Retained earnings to average equity (ytd only) | 9.8343% | 835 |
| Net charge-offs to loans | 0.1196% | 5,355 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 58.1644% | 500 |
| Efficiency ratio | 56.7004% | 6,457 |
| Assets per employee ($millions) | 3.0270% | 6,092 |
| Cash dividends to net income (ytd only)* | 42.0041% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 4,693 |
| Loan loss allowance to noncurrent loans | 78.9583% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 6,146 |
| Noncurrent loans to loans | 1.7163% | 4,069 |
| Net loans and leases to total assets | 29.3996% | 7,483 |
| Net loans and leases to deposits | 37.5133% | 7,435 |
| Net loans and leases to core deposits | 39.8406% | 7,431 |
| Total domestic deposits to total assets | 78.3712% | 6,176 |
| Equity capital to assets | 12.6143% | 1,801 |
| Core capital (leverage) ratio | 10.1812% | 3,061 |
| Tier 1 risk-based capital ratio | 23.7092% | 981 |
| Total risk-based capital ratio | 24.6541% | 989 |
| Memoranda: | ||
| Average total assets | $92,580,500 | 5,267 |
| Average earning assets | $86,827,750 | 5,178 |
| Average equity | $11,456,250 | 4,821 |
| Average total loans | $27,877,500 | 6,599 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9968% | 4,958 |
| Cost of funding earning assets | 0.6582% | 7,281 |
| Net interest margin | 4.3386% | 1,638 |
| Noninterest income to average assets | 0.7856% | 2,202 |
| Noninterest expense to average assets | 2.7604% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.0876% | 284 |
| Return on assets (ROA) | 2.0898% | 308 |
| Pretax return on assets | 2.0898% | 501 |
| Return on Equity (ROE) | 17.0001% | 567 |
| Retained earnings to average equity (ytd only) | 8.8090% | 1,171 |
| Net charge-offs to loans | 0.0934% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 429 |
| Efficiency ratio | 56.9382% | 6,516 |
| Assets per employee ($millions) | 2.9671% | 6,206 |
| Cash dividends to net income (ytd only)* | 48.1828% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 4,312 |
| Loan loss allowance to noncurrent loans | 82.3158% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 6,175 |
| Noncurrent loans to loans | 1.7309% | 4,092 |
| Net loans and leases to total assets | 29.4100% | 7,552 |
| Net loans and leases to deposits | 36.9696% | 7,513 |
| Net loans and leases to core deposits | 39.2749% | 7,502 |
| Total domestic deposits to total assets | 79.5519% | 5,872 |
| Equity capital to assets | 12.4365% | 1,835 |
| Core capital (leverage) ratio | 9.8666% | 3,322 |
| Tier 1 risk-based capital ratio | 23.2190% | 1,038 |
| Total risk-based capital ratio | 24.2099% | 1,052 |
| Memoranda: | ||
| Average total assets | $92,161,330 | 5,308 |
| Average earning assets | $86,296,000 | 5,228 |
| Average equity | $11,329,330 | 4,848 |
| Average total loans | $27,847,670 | 6,644 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9863% | 5,079 |
| Cost of funding earning assets | 0.6627% | 7,409 |
| Net interest margin | 4.3236% | 1,620 |
| Noninterest income to average assets | 0.7545% | 2,274 |
| Noninterest expense to average assets | 2.7880% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0119% | 338 |
| Return on assets (ROA) | 2.0119% | 370 |
| Pretax return on assets | 2.0119% | 591 |
| Return on Equity (ROE) | 16.4619% | 657 |
| Retained earnings to average equity (ytd only) | 11.2466% | 870 |
| Net charge-offs to loans | 0.0998% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 66.2857% | 461 |
| Efficiency ratio | 58.0849% | 6,476 |
| Assets per employee ($millions) | 3.1139% | 5,968 |
| Cash dividends to net income (ytd only)* | 31.6810% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 4,221 |
| Loan loss allowance to noncurrent loans | 84.8291% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.5438% | 6,140 |
| Noncurrent loans to loans | 1.6948% | 4,201 |
| Net loans and leases to total assets | 29.1346% | 7,647 |
| Net loans and leases to deposits | 36.2864% | 7,617 |
| Net loans and leases to core deposits | 38.6539% | 7,610 |
| Total domestic deposits to total assets | 80.2907% | 5,689 |
| Equity capital to assets | 12.2921% | 1,879 |
| Core capital (leverage) ratio | 9.7278% | 3,480 |
| Tier 1 risk-based capital ratio | 22.5540% | 1,142 |
| Total risk-based capital ratio | 23.5510% | 1,141 |
| Memoranda: | ||
| Average total assets | $92,252,500 | 5,377 |
| Average earning assets | $86,316,500 | 5,296 |
| Average equity | $11,274,500 | 4,902 |
| Average total loans | $28,050,500 | 6,716 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3187% | 5,090 |
| Cost of funding earning assets | 0.8547% | 7,478 |
| Net interest margin | 4.4641% | 1,261 |
| Noninterest income to average assets | 0.8151% | 2,332 |
| Noninterest expense to average assets | 2.7988% | 4,981 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.1930% | 148 |
| Return on assets (ROA) | 2.2261% | 148 |
| Pretax return on assets | 2.2261% | 259 |
| Return on Equity (ROE) | 19.8831% | 250 |
| Retained earnings to average equity (ytd only) | 9.8579% | 385 |
| Net charge-offs to loans | 0.1008% | 6,124 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 71.1071% | 384 |
| Efficiency ratio | 56.0680% | 7,008 |
| Assets per employee ($millions) | 3.0362% | 6,130 |
| Cash dividends to net income (ytd only)* | 50.4206% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 4,130 |
| Loan loss allowance to noncurrent loans | 78.5992% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 6,047 |
| Noncurrent loans to loans | 1.8043% | 3,923 |
| Net loans and leases to total assets | 30.8310% | 7,695 |
| Net loans and leases to deposits | 38.7887% | 7,653 |
| Net loans and leases to core deposits | 46.0121% | 7,666 |
| Total domestic deposits to total assets | 79.4844% | 5,851 |
| Equity capital to assets | 12.1488% | 1,938 |
| Core capital (leverage) ratio | 9.5901% | 3,611 |
| Tier 1 risk-based capital ratio | 21.4737% | 1,218 |
| Total risk-based capital ratio | 22.4750% | 1,231 |
| Memoranda: | ||
| Average total assets | $90,787,800 | 5,369 |
| Average earning assets | $84,945,200 | 5,299 |
| Average equity | $10,164,400 | 5,251 |
| Average total loans | $27,784,400 | 6,753 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3049% | 5,396 |
| Cost of funding earning assets | 0.9051% | 7,549 |
| Net interest margin | 4.3998% | 1,440 |
| Noninterest income to average assets | 0.8025% | 2,419 |
| Noninterest expense to average assets | 2.7588% | 5,069 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.1591% | 202 |
| Return on assets (ROA) | 2.1929% | 204 |
| Pretax return on assets | 2.1929% | 358 |
| Return on Equity (ROE) | 20.0149% | 315 |
| Retained earnings to average equity (ytd only) | 11.8185% | 366 |
| Net charge-offs to loans | 0.0917% | 5,769 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 77.3241% | 440 |
| Efficiency ratio | 56.0968% | 6,986 |
| Assets per employee ($millions) | 2.8442% | 6,552 |
| Cash dividends to net income (ytd only)* | 40.9520% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 3,724 |
| Loan loss allowance to noncurrent loans | 80.3502% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 5,996 |
| Noncurrent loans to loans | 1.7953% | 3,923 |
| Net loans and leases to total assets | 32.0041% | 7,754 |
| Net loans and leases to deposits | 41.1857% | 7,694 |
| Net loans and leases to core deposits | 48.2755% | 7,723 |
| Total domestic deposits to total assets | 77.7067% | 6,170 |
| Equity capital to assets | 12.3682% | 2,022 |
| Core capital (leverage) ratio | 9.6021% | 3,789 |
| Tier 1 risk-based capital ratio | 21.3628% | 1,316 |
| Total risk-based capital ratio | 22.3956% | 1,331 |
| Memoranda: | ||
| Average total assets | $90,713,000 | 5,403 |
| Average earning assets | $84,851,000 | 5,344 |
| Average equity | $9,939,000 | 5,349 |
| Average total loans | $27,608,750 | 6,823 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2459% | 5,891 |
| Cost of funding earning assets | 0.9721% | 7,594 |
| Net interest margin | 4.2738% | 1,736 |
| Noninterest income to average assets | 0.7645% | 2,624 |
| Noninterest expense to average assets | 2.7457% | 5,197 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0140% | 288 |
| Return on assets (ROA) | 2.0642% | 279 |
| Pretax return on assets | 2.0642% | 475 |
| Return on Equity (ROE) | 19.6527% | 358 |
| Retained earnings to average equity (ytd only) | 10.0031% | 734 |
| Net charge-offs to loans | 0.1247% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 54.2353% | 652 |
| Efficiency ratio | 57.6870% | 6,910 |
| Assets per employee ($millions) | 2.9126% | 6,351 |
| Cash dividends to net income (ytd only)* | 49.1005% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 3,256 |
| Loan loss allowance to noncurrent loans | 87.9237% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5228% | 6,125 |
| Noncurrent loans to loans | 1.6935% | 3,966 |
| Net loans and leases to total assets | 30.4098% | 7,876 |
| Net loans and leases to deposits | 39.3457% | 7,833 |
| Net loans and leases to core deposits | 46.5704% | 7,826 |
| Total domestic deposits to total assets | 77.2887% | 6,261 |
| Equity capital to assets | 11.2105% | 2,746 |
| Core capital (leverage) ratio | 8.9383% | 4,729 |
| Tier 1 risk-based capital ratio | 21.3940% | 1,335 |
| Total risk-based capital ratio | 22.4844% | 1,328 |
| Memoranda: | ||
| Average total assets | $91,560,670 | 5,422 |
| Average earning assets | $85,591,000 | 5,353 |
| Average equity | $9,617,000 | 5,483 |
| Average total loans | $27,268,000 | 6,893 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2408% | 6,156 |
| Cost of funding earning assets | 1.0361% | 7,615 |
| Net interest margin | 4.2047% | 1,880 |
| Noninterest income to average assets | 0.7983% | 2,336 |
| Noninterest expense to average assets | 2.6422% | 5,254 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0825% | 298 |
| Return on assets (ROA) | 2.1606% | 290 |
| Pretax return on assets | 2.1606% | 481 |
| Return on Equity (ROE) | 21.2718% | 345 |
| Retained earnings to average equity (ytd only) | 14.9928% | 418 |
| Net charge-offs to loans | 0.1038% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 68.5714% | 582 |
| Efficiency ratio | 55.9229% | 6,978 |
| Assets per employee ($millions) | 3.0299% | 6,071 |
| Cash dividends to net income (ytd only)* | 29.5181% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 2,589 |
| Loan loss allowance to noncurrent loans | 86.5580% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 5,305 |
| Noncurrent loans to loans | 1.8287% | 3,518 |
| Net loans and leases to total assets | 28.1339% | 7,955 |
| Net loans and leases to deposits | 35.0706% | 7,958 |
| Net loans and leases to core deposits | 42.6857% | 7,928 |
| Total domestic deposits to total assets | 80.2206% | 5,277 |
| Equity capital to assets | 10.4210% | 3,550 |
| Core capital (leverage) ratio | 8.7354% | 5,088 |
| Tier 1 risk-based capital ratio | 20.8417% | 1,474 |
| Total risk-based capital ratio | 21.9471% | 1,465 |
| Memoranda: | ||
| Average total assets | $92,196,000 | 5,417 |
| Average earning assets | $86,094,500 | 5,354 |
| Average equity | $9,364,500 | 5,576 |
| Average total loans | $26,966,000 | 6,939 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9304% | 5,896 |
| Cost of funding earning assets | 1.4012% | 7,735 |
| Net interest margin | 4.5292% | 1,353 |
| Noninterest income to average assets | 0.9458% | 1,787 |
| Noninterest expense to average assets | 2.7025% | 5,257 |
| Loan and lease loss provision to assets | 0.1194% | 5,838 |
| Net operating income to assets | 2.3431% | 175 |
| Return on assets (ROA) | 2.5365% | 116 |
| Pretax return on assets | 2.5365% | 181 |
| Return on Equity (ROE) | 25.1177% | 134 |
| Retained earnings to average equity (ytd only) | 12.3814% | 203 |
| Net charge-offs to loans | -0.1645% | 8,146 |
| Credit loss provision to net charge-offs | -243.9024% | 7,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3237% | 7,457 |
| Assets per employee ($millions) | 3.0155% | 6,021 |
| Cash dividends to net income (ytd only)* | 50.7062% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 2,265 |
| Loan loss allowance to noncurrent loans | 91.1392% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 4,965 |
| Noncurrent loans to loans | 1.7502% | 3,139 |
| Net loans and leases to total assets | 29.4586% | 8,001 |
| Net loans and leases to deposits | 36.3917% | 8,015 |
| Net loans and leases to core deposits | 43.9421% | 8,000 |
| Total domestic deposits to total assets | 80.9486% | 4,661 |
| Equity capital to assets | 9.8833% | 4,178 |
| Core capital (leverage) ratio | 8.8287% | 4,995 |
| Tier 1 risk-based capital ratio | 20.1266% | 1,596 |
| Total risk-based capital ratio | 21.2614% | 1,584 |
| Memoranda: | ||
| Average total assets | $83,736,800 | 5,574 |
| Average earning assets | $78,004,600 | 5,503 |
| Average equity | $8,456,200 | 5,921 |
| Average total loans | $24,930,600 | 7,028 |