Home > Linn County State Bank > Performance and Condition Ratios
Linn County State Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 375 |
| Cost of funding earning assets | 0.9928% | 179 |
| Net interest margin | 4.2730% | 967 |
| Noninterest income to average assets | 0.3359% | 4,330 |
| Noninterest expense to average assets | 2.8605% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0944% | 1,926 |
| Return on assets (ROA) | 1.0944% | 2,021 |
| Pretax return on assets | 1.1594% | 2,857 |
| Return on Equity (ROE) | 8.2609% | 2,775 |
| Retained earnings to average equity (ytd only) | 8.2609% | 1,349 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1590% | 2,926 |
| Assets per employee ($millions) | 4.5859% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 3,160 |
| Loan loss allowance to noncurrent loans | 145.6731% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5670% | 3,362 |
| Noncurrent loans to loans | 0.8604% | 2,696 |
| Net loans and leases to total assets | 65.0721% | 3,096 |
| Net loans and leases to deposits | 93.5462% | 1,186 |
| Net loans and leases to core deposits | 96.5736% | 1,739 |
| Total domestic deposits to total assets | 69.5614% | 5,883 |
| Equity capital to assets | 13.4762% | 1,185 |
| Core capital (leverage) ratio | 9.4190% | 4,326 |
| Tier 1 risk-based capital ratio | 14.7168% | 3,278 |
| Total risk-based capital ratio | 16.0341% | 3,188 |
| Memoranda: | ||
| Average total assets | $36,916,000 | 5,778 |
| Average earning assets | $31,828,000 | 5,813 |
| Average equity | $4,890,500 | 5,640 |
| Average total loans | $24,606,500 | 5,527 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8588% | 157 |
| Cost of funding earning assets | 1.0230% | 153 |
| Net interest margin | 4.8358% | 343 |
| Noninterest income to average assets | 0.3968% | 4,056 |
| Noninterest expense to average assets | 2.8334% | 3,096 |
| Loan and lease loss provision to assets | 0.2804% | 645 |
| Net operating income to assets | 0.9206% | 2,756 |
| Return on assets (ROA) | 0.9206% | 2,844 |
| Pretax return on assets | 1.3598% | 2,070 |
| Return on Equity (ROE) | 6.9776% | 3,523 |
| Retained earnings to average equity (ytd only) | 2.1454% | 4,494 |
| Net charge-offs to loans | 0.1780% | 1,610 |
| Credit loss provision to net charge-offs | 220.8333% | 1,287 |
| Earnings coverage of net charge-offs (x) | 12.9167% | 2,413 |
| Efficiency ratio | 63.3353% | 4,392 |
| Assets per employee ($millions) | 4.1272% | 3,704 |
| Cash dividends to net income (ytd only)* | 69.2529% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 3,416 |
| Loan loss allowance to noncurrent loans | 82.7869% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.2964% | 709 |
| Noncurrent loans to loans | 1.4618% | 1,597 |
| Net loans and leases to total assets | 66.5877% | 2,899 |
| Net loans and leases to deposits | 96.5342% | 953 |
| Net loans and leases to core deposits | 99.6455% | 1,537 |
| Total domestic deposits to total assets | 68.9783% | 5,942 |
| Equity capital to assets | 13.0219% | 1,339 |
| Core capital (leverage) ratio | 8.9372% | 4,956 |
| Tier 1 risk-based capital ratio | 14.1265% | 3,651 |
| Total risk-based capital ratio | 15.3744% | 3,562 |
| Memoranda: | ||
| Average total assets | $37,799,400 | 5,809 |
| Average earning assets | $31,866,400 | 5,858 |
| Average equity | $4,987,400 | 5,657 |
| Average total loans | $26,972,200 | 5,483 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9827% | 135 |
| Cost of funding earning assets | 1.0313% | 153 |
| Net interest margin | 4.9513% | 285 |
| Noninterest income to average assets | 0.3863% | 4,179 |
| Noninterest expense to average assets | 2.9396% | 2,709 |
| Loan and lease loss provision to assets | 0.3688% | 352 |
| Net operating income to assets | 0.8324% | 3,272 |
| Return on assets (ROA) | 0.8324% | 3,354 |
| Pretax return on assets | 1.2257% | 2,708 |
| Return on Equity (ROE) | 6.2884% | 4,011 |
| Retained earnings to average equity (ytd only) | 1.2472% | 5,223 |
| Net charge-offs to loans | 0.2283% | 1,147 |
| Credit loss provision to net charge-offs | 223.4043% | 1,228 |
| Earnings coverage of net charge-offs (x) | 9.6588% | 2,677 |
| Efficiency ratio | 64.8335% | 4,095 |
| Assets per employee ($millions) | 3.8114% | 4,247 |
| Cash dividends to net income (ytd only)* | 80.1703% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 3,936 |
| Loan loss allowance to noncurrent loans | 432.8571% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 3.5892% | 349 |
| Noncurrent loans to loans | 0.2653% | 4,629 |
| Net loans and leases to total assets | 68.4237% | 2,618 |
| Net loans and leases to deposits | 100.3733% | 637 |
| Net loans and leases to core deposits | 103.5621% | 1,261 |
| Total domestic deposits to total assets | 68.1692% | 6,036 |
| Equity capital to assets | 13.1422% | 1,376 |
| Core capital (leverage) ratio | 8.7779% | 5,262 |
| Tier 1 risk-based capital ratio | 13.1435% | 4,349 |
| Total risk-based capital ratio | 14.3621% | 4,287 |
| Memoranda: | ||
| Average total assets | $37,963,000 | 5,881 |
| Average earning assets | $31,802,250 | 5,936 |
| Average equity | $5,025,000 | 5,720 |
| Average total loans | $27,456,000 | 5,525 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9938% | 135 |
| Cost of funding earning assets | 1.0137% | 168 |
| Net interest margin | 4.9801% | 255 |
| Noninterest income to average assets | 0.6436% | 2,512 |
| Noninterest expense to average assets | 2.7220% | 3,522 |
| Loan and lease loss provision to assets | 0.5434% | 174 |
| Net operating income to assets | 1.0340% | 2,206 |
| Return on assets (ROA) | 1.0340% | 2,326 |
| Pretax return on assets | 1.5509% | 1,479 |
| Return on Equity (ROE) | 7.7927% | 3,170 |
| Retained earnings to average equity (ytd only) | 4.5325% | 3,144 |
| Net charge-offs to loans | 0.3451% | 760 |
| Credit loss provision to net charge-offs | 214.5833% | 1,157 |
| Earnings coverage of net charge-offs (x) | 8.2708% | 2,577 |
| Efficiency ratio | 56.5170% | 5,378 |
| Assets per employee ($millions) | 3.8431% | 4,183 |
| Cash dividends to net income (ytd only)* | 41.8367% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 4,418 |
| Loan loss allowance to noncurrent loans | 66.3717% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 4.6967% | 249 |
| Noncurrent loans to loans | 1.6325% | 1,602 |
| Net loans and leases to total assets | 71.2654% | 2,114 |
| Net loans and leases to deposits | 105.5170% | 390 |
| Net loans and leases to core deposits | 108.8726% | 901 |
| Total domestic deposits to total assets | 67.5392% | 6,128 |
| Equity capital to assets | 13.1847% | 1,308 |
| Core capital (leverage) ratio | 9.0458% | 4,895 |
| Tier 1 risk-based capital ratio | 12.6705% | 4,698 |
| Total risk-based capital ratio | 13.8103% | 4,687 |
| Memoranda: | ||
| Average total assets | $37,912,670 | 5,948 |
| Average earning assets | $31,766,330 | 6,004 |
| Average equity | $5,030,330 | 5,773 |
| Average total loans | $27,814,000 | 5,563 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3489% | 92 |
| Cost of funding earning assets | 1.0031% | 180 |
| Net interest margin | 5.3458% | 146 |
| Noninterest income to average assets | 0.9348% | 1,283 |
| Noninterest expense to average assets | 2.7089% | 3,555 |
| Loan and lease loss provision to assets | 0.7436% | 114 |
| Net operating income to assets | 1.2854% | 1,322 |
| Return on assets (ROA) | 1.2854% | 1,408 |
| Pretax return on assets | 1.9547% | 639 |
| Return on Equity (ROE) | 9.6568% | 2,153 |
| Retained earnings to average equity (ytd only) | 7.1828% | 1,931 |
| Net charge-offs to loans | 0.7031% | 339 |
| Credit loss provision to net charge-offs | 142.8571% | 1,288 |
| Earnings coverage of net charge-offs (x) | 5.1837% | 2,409 |
| Efficiency ratio | 50.0982% | 5,911 |
| Assets per employee ($millions) | 4.2730% | 3,426 |
| Cash dividends to net income (ytd only)* | 25.6198% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 5,290 |
| Loan loss allowance to noncurrent loans | 153.7572% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 3.9681% | 375 |
| Noncurrent loans to loans | 0.6119% | 3,737 |
| Net loans and leases to total assets | 72.8294% | 1,682 |
| Net loans and leases to deposits | 108.8027% | 238 |
| Net loans and leases to core deposits | 112.2925% | 638 |
| Total domestic deposits to total assets | 66.9371% | 6,226 |
| Equity capital to assets | 13.1550% | 1,325 |
| Core capital (leverage) ratio | 9.1618% | 4,776 |
| Tier 1 risk-based capital ratio | 12.7651% | 4,750 |
| Total risk-based capital ratio | 13.7906% | 4,789 |
| Memoranda: | ||
| Average total assets | $37,653,500 | 6,011 |
| Average earning assets | $31,501,500 | 6,074 |
| Average equity | $5,012,000 | 5,833 |
| Average total loans | $27,877,000 | 5,603 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4266% | 94 |
| Cost of funding earning assets | 0.8749% | 447 |
| Net interest margin | 5.5517% | 122 |
| Noninterest income to average assets | 0.4892% | 3,593 |
| Noninterest expense to average assets | 3.4482% | 1,606 |
| Loan and lease loss provision to assets | 0.4388% | 379 |
| Net operating income to assets | 0.7709% | 3,512 |
| Return on assets (ROA) | 0.7709% | 3,613 |
| Pretax return on assets | 1.1178% | 3,019 |
| Return on Equity (ROE) | 5.2432% | 4,533 |
| Retained earnings to average equity (ytd only) | 1.5326% | 5,060 |
| Net charge-offs to loans | 0.2227% | 1,887 |
| Credit loss provision to net charge-offs | 279.2453% | 912 |
| Earnings coverage of net charge-offs (x) | 9.9057% | 2,680 |
| Efficiency ratio | 68.8981% | 3,734 |
| Assets per employee ($millions) | 4.0944% | 3,730 |
| Cash dividends to net income (ytd only)* | 70.7692% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 5,501 |
| Loan loss allowance to noncurrent loans | 77.7778% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 4.5237% | 337 |
| Noncurrent loans to loans | 1.1463% | 2,554 |
| Net loans and leases to total assets | 73.9077% | 1,595 |
| Net loans and leases to deposits | 114.4520% | 154 |
| Net loans and leases to core deposits | 118.4336% | 449 |
| Total domestic deposits to total assets | 64.5753% | 6,352 |
| Equity capital to assets | 13.4735% | 1,173 |
| Core capital (leverage) ratio | 9.2074% | 4,671 |
| Tier 1 risk-based capital ratio | 12.7535% | 4,884 |
| Total risk-based capital ratio | 13.7239% | 4,968 |
| Memoranda: | ||
| Average total assets | $33,727,400 | 6,181 |
| Average earning assets | $27,432,800 | 6,231 |
| Average equity | $4,958,800 | 5,861 |
| Average total loans | $23,801,800 | 5,827 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4992% | 90 |
| Cost of funding earning assets | 0.8512% | 539 |
| Net interest margin | 5.6480% | 111 |
| Noninterest income to average assets | 0.5058% | 3,509 |
| Noninterest expense to average assets | 3.3386% | 1,821 |
| Loan and lease loss provision to assets | 0.1012% | 2,346 |
| Net operating income to assets | 1.0926% | 2,059 |
| Return on assets (ROA) | 1.0926% | 2,127 |
| Pretax return on assets | 1.6309% | 1,230 |
| Return on Equity (ROE) | 7.2619% | 3,576 |
| Retained earnings to average equity (ytd only) | 3.9538% | 3,835 |
| Net charge-offs to loans | 0.2622% | 1,486 |
| Credit loss provision to net charge-offs | 55.5556% | 3,018 |
| Earnings coverage of net charge-offs (x) | 9.5108% | 2,662 |
| Efficiency ratio | 65.8420% | 4,236 |
| Assets per employee ($millions) | 3.9196% | 4,041 |
| Cash dividends to net income (ytd only)* | 45.5568% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5136% | 6,320 |
| Loan loss allowance to noncurrent loans | 51.5873% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 5.0544% | 335 |
| Noncurrent loans to loans | 0.9956% | 3,084 |
| Net loans and leases to total assets | 71.3828% | 1,952 |
| Net loans and leases to deposits | 114.6310% | 144 |
| Net loans and leases to core deposits | 116.2182% | 499 |
| Total domestic deposits to total assets | 62.2718% | 6,461 |
| Equity capital to assets | 14.3015% | 910 |
| Core capital (leverage) ratio | 10.1697% | 3,446 |
| Tier 1 risk-based capital ratio | 13.8520% | 4,318 |
| Total risk-based capital ratio | 14.3994% | 4,699 |
| Memoranda: | ||
| Average total assets | $32,946,750 | 6,272 |
| Average earning assets | $26,628,250 | 6,326 |
| Average equity | $4,957,250 | 5,925 |
| Average total loans | $22,882,250 | 5,919 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5662% | 89 |
| Cost of funding earning assets | 0.8575% | 540 |
| Net interest margin | 5.7087% | 100 |
| Noninterest income to average assets | 0.4849% | 3,594 |
| Noninterest expense to average assets | 3.4131% | 1,650 |
| Loan and lease loss provision to assets | 0.0933% | 2,469 |
| Net operating income to assets | 1.0569% | 2,093 |
| Return on assets (ROA) | 1.0569% | 2,170 |
| Pretax return on assets | 1.5729% | 1,327 |
| Return on Equity (ROE) | 6.8994% | 3,675 |
| Retained earnings to average equity (ytd only) | 4.3831% | 3,389 |
| Net charge-offs to loans | 0.4077% | 998 |
| Credit loss provision to net charge-offs | 33.3333% | 3,009 |
| Earnings coverage of net charge-offs (x) | 5.9556% | 2,844 |
| Efficiency ratio | 67.1971% | 4,161 |
| Assets per employee ($millions) | 3.6869% | 4,473 |
| Cash dividends to net income (ytd only)* | 36.4706% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5263% | 6,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.6139% | 418 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 68.3503% | 2,362 |
| Net loans and leases to deposits | 100.1767% | 550 |
| Net loans and leases to core deposits | 101.5219% | 1,170 |
| Total domestic deposits to total assets | 68.2298% | 6,416 |
| Equity capital to assets | 15.0835% | 684 |
| Core capital (leverage) ratio | 10.5535% | 2,884 |
| Tier 1 risk-based capital ratio | 14.8638% | 3,712 |
| Total risk-based capital ratio | 15.4124% | 4,083 |
| Memoranda: | ||
| Average total assets | $32,170,330 | 6,343 |
| Average earning assets | $25,890,330 | 6,398 |
| Average equity | $4,928,000 | 5,971 |
| Average total loans | $22,072,670 | 5,985 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5268% | 90 |
| Cost of funding earning assets | 0.8807% | 502 |
| Net interest margin | 5.6461% | 109 |
| Noninterest income to average assets | 0.4169% | 4,055 |
| Noninterest expense to average assets | 3.4108% | 1,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0359% | 2,063 |
| Return on assets (ROA) | 1.0359% | 2,135 |
| Pretax return on assets | 1.5412% | 1,308 |
| Return on Equity (ROE) | 6.7083% | 3,630 |
| Retained earnings to average equity (ytd only) | 4.1722% | 3,630 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8776% | 4,024 |
| Assets per employee ($millions) | 3.5506% | 4,825 |
| Cash dividends to net income (ytd only)* | 37.8049% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 6,305 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 4.5126% | 484 |
| Noncurrent loans to loans | 0.7937% | 3,885 |
| Net loans and leases to total assets | 68.5339% | 2,139 |
| Net loans and leases to deposits | 102.1503% | 363 |
| Net loans and leases to core deposits | 102.1503% | 978 |
| Total domestic deposits to total assets | 67.0912% | 6,534 |
| Equity capital to assets | 15.3967% | 618 |
| Core capital (leverage) ratio | 10.5881% | 2,822 |
| Tier 1 risk-based capital ratio | 14.7345% | 3,867 |
| Total risk-based capital ratio | 15.4284% | 4,154 |
| Memoranda: | ||
| Average total assets | $31,664,500 | 6,421 |
| Average earning assets | $25,433,500 | 6,471 |
| Average equity | $4,889,500 | 6,022 |
| Average total loans | $21,709,000 | 6,062 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2084% | 123 |
| Cost of funding earning assets | 1.1247% | 245 |
| Net interest margin | 5.0837% | 267 |
| Noninterest income to average assets | 0.6621% | 2,744 |
| Noninterest expense to average assets | 3.5701% | 1,502 |
| Loan and lease loss provision to assets | 0.0844% | 3,426 |
| Net operating income to assets | 0.7520% | 3,538 |
| Return on assets (ROA) | 0.8179% | 3,297 |
| Pretax return on assets | 1.1651% | 2,712 |
| Return on Equity (ROE) | 5.2788% | 4,507 |
| Retained earnings to average equity (ytd only) | 2.6813% | 4,333 |
| Net charge-offs to loans | 0.0777% | 4,129 |
| Credit loss provision to net charge-offs | 173.3333% | 1,320 |
| Earnings coverage of net charge-offs (x) | 23.7333% | 1,400 |
| Efficiency ratio | 75.5495% | 2,853 |
| Assets per employee ($millions) | 3.4860% | 4,923 |
| Cash dividends to net income (ytd only)* | 49.2063% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7020% | 6,342 |
| Loan loss allowance to noncurrent loans | 94.9367% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 4.5420% | 548 |
| Noncurrent loans to loans | 0.7394% | 4,109 |
| Net loans and leases to total assets | 67.6292% | 2,417 |
| Net loans and leases to deposits | 97.0542% | 663 |
| Net loans and leases to core deposits | 97.0542% | 1,378 |
| Total domestic deposits to total assets | 69.6819% | 6,533 |
| Equity capital to assets | 15.4873% | 595 |
| Core capital (leverage) ratio | 10.5426% | 2,862 |
| Tier 1 risk-based capital ratio | 14.5451% | 3,932 |
| Total risk-based capital ratio | 15.2417% | 4,242 |
| Memoranda: | ||
| Average total assets | $30,811,800 | 6,502 |
| Average earning assets | $24,627,800 | 6,563 |
| Average equity | $4,773,800 | 6,122 |
| Average total loans | $19,313,400 | 6,237 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0363% | 170 |
| Cost of funding earning assets | 1.1746% | 223 |
| Net interest margin | 4.8617% | 388 |
| Noninterest income to average assets | 0.7651% | 2,298 |
| Noninterest expense to average assets | 3.5602% | 1,479 |
| Loan and lease loss provision to assets | 0.0609% | 3,829 |
| Net operating income to assets | 0.7233% | 3,738 |
| Return on assets (ROA) | 0.7781% | 3,596 |
| Pretax return on assets | 1.1085% | 3,079 |
| Return on Equity (ROE) | 5.0218% | 4,713 |
| Retained earnings to average equity (ytd only) | 2.4126% | 4,883 |
| Net charge-offs to loans | 0.0922% | 3,640 |
| Credit loss provision to net charge-offs | 107.6923% | 2,180 |
| Earnings coverage of net charge-offs (x) | 19.3110% | 1,634 |
| Efficiency ratio | 76.5421% | 2,641 |
| Assets per employee ($millions) | 3.8280% | 4,173 |
| Cash dividends to net income (ytd only)* | 51.9568% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7018% | 6,435 |
| Loan loss allowance to noncurrent loans | 74.0741% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 4.7544% | 611 |
| Noncurrent loans to loans | 0.9474% | 3,923 |
| Net loans and leases to total assets | 64.6878% | 2,879 |
| Net loans and leases to deposits | 91.7809% | 994 |
| Net loans and leases to core deposits | 91.7809% | 1,781 |
| Total domestic deposits to total assets | 70.4807% | 6,577 |
| Equity capital to assets | 15.5923% | 615 |
| Core capital (leverage) ratio | 10.3764% | 3,137 |
| Tier 1 risk-based capital ratio | 14.9964% | 3,757 |
| Total risk-based capital ratio | 15.6758% | 4,082 |
| Memoranda: | ||
| Average total assets | $30,671,250 | 6,575 |
| Average earning assets | $24,517,750 | 6,640 |
| Average equity | $4,752,500 | 6,206 |
| Average total loans | $18,799,750 | 6,327 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9346% | 199 |
| Cost of funding earning assets | 1.2519% | 176 |
| Net interest margin | 4.6826% | 525 |
| Noninterest income to average assets | 0.7886% | 2,244 |
| Noninterest expense to average assets | 3.5846% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6908% | 3,852 |
| Return on assets (ROA) | 0.6908% | 4,019 |
| Pretax return on assets | 0.9581% | 3,687 |
| Return on Equity (ROE) | 4.4679% | 5,015 |
| Retained earnings to average equity (ytd only) | 1.8546% | 5,091 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9096% | 2,316 |
| Assets per employee ($millions) | 3.9216% | 3,982 |
| Cash dividends to net income (ytd only)* | 58.4906% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7355% | 6,454 |
| Loan loss allowance to noncurrent loans | 40.8163% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 5.1732% | 584 |
| Noncurrent loans to loans | 1.8019% | 2,639 |
| Net loans and leases to total assets | 60.2269% | 3,615 |
| Net loans and leases to deposits | 84.3000% | 1,761 |
| Net loans and leases to core deposits | 84.3000% | 2,513 |
| Total domestic deposits to total assets | 71.4436% | 6,590 |
| Equity capital to assets | 15.1181% | 692 |
| Core capital (leverage) ratio | 10.2793% | 3,124 |
| Tier 1 risk-based capital ratio | 15.3656% | 3,553 |
| Total risk-based capital ratio | 16.0716% | 3,863 |
| Memoranda: | ||
| Average total assets | $30,687,000 | 6,623 |
| Average earning assets | $24,601,670 | 6,687 |
| Average equity | $4,745,000 | 6,259 |
| Average total loans | $18,416,330 | 6,381 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7852% | 239 |
| Cost of funding earning assets | 1.2691% | 178 |
| Net interest margin | 4.5160% | 661 |
| Noninterest income to average assets | 0.9228% | 1,684 |
| Noninterest expense to average assets | 3.6515% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6459% | 3,986 |
| Return on assets (ROA) | 0.6459% | 4,145 |
| Pretax return on assets | 0.8832% | 3,822 |
| Return on Equity (ROE) | 4.1298% | 5,030 |
| Retained earnings to average equity (ytd only) | 1.5171% | 5,227 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5233% | 2,246 |
| Assets per employee ($millions) | 3.4343% | 5,124 |
| Cash dividends to net income (ytd only)* | 63.2653% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7734% | 6,500 |
| Loan loss allowance to noncurrent loans | 26.4650% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 5.8656% | 552 |
| Noncurrent loans to loans | 2.9223% | 1,721 |
| Net loans and leases to total assets | 58.1125% | 3,772 |
| Net loans and leases to deposits | 81.7309% | 1,865 |
| Net loans and leases to core deposits | 81.7309% | 2,609 |
| Total domestic deposits to total assets | 71.1023% | 6,702 |
| Equity capital to assets | 15.3742% | 664 |
| Core capital (leverage) ratio | 10.4421% | 2,854 |
| Tier 1 risk-based capital ratio | 16.5716% | 2,965 |
| Total risk-based capital ratio | 17.3391% | 3,169 |
| Memoranda: | ||
| Average total assets | $30,344,000 | 6,697 |
| Average earning assets | $24,269,000 | 6,760 |
| Average equity | $4,746,000 | 6,320 |
| Average total loans | $18,107,000 | 6,445 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0917% | 237 |
| Cost of funding earning assets | 1.3623% | 289 |
| Net interest margin | 4.7294% | 617 |
| Noninterest income to average assets | 0.7953% | 2,282 |
| Noninterest expense to average assets | 3.5889% | 1,630 |
| Loan and lease loss provision to assets | 0.1200% | 4,120 |
| Net operating income to assets | 0.6446% | 4,016 |
| Return on assets (ROA) | 0.7233% | 3,880 |
| Pretax return on assets | 0.9769% | 3,635 |
| Return on Equity (ROE) | 4.5076% | 4,925 |
| Retained earnings to average equity (ytd only) | 2.8840% | 4,208 |
| Net charge-offs to loans | 0.3783% | 2,739 |
| Credit loss provision to net charge-offs | 53.8462% | 4,602 |
| Earnings coverage of net charge-offs (x) | 4.4462% | 3,366 |
| Efficiency ratio | 78.3683% | 2,384 |
| Assets per employee ($millions) | 3.3088% | 5,404 |
| Cash dividends to net income (ytd only)* | 36.0190% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 6,534 |
| Loan loss allowance to noncurrent loans | 19.8020% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 6.0915% | 560 |
| Noncurrent loans to loans | 3.9035% | 1,235 |
| Net loans and leases to total assets | 60.3513% | 3,538 |
| Net loans and leases to deposits | 86.6037% | 1,429 |
| Net loans and leases to core deposits | 86.6037% | 2,241 |
| Total domestic deposits to total assets | 69.6867% | 6,796 |
| Equity capital to assets | 15.9173% | 566 |
| Core capital (leverage) ratio | 10.4660% | 2,808 |
| Tier 1 risk-based capital ratio | 15.9138% | 3,208 |
| Total risk-based capital ratio | 16.6552% | 3,446 |
| Memoranda: | ||
| Average total assets | $29,173,000 | 6,773 |
| Average earning assets | $23,343,400 | 6,832 |
| Average equity | $4,681,000 | 6,393 |
| Average total loans | $17,180,000 | 6,545 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0760% | 258 |
| Cost of funding earning assets | 1.3553% | 347 |
| Net interest margin | 4.7207% | 647 |
| Noninterest income to average assets | 0.8178% | 2,163 |
| Noninterest expense to average assets | 3.5054% | 1,743 |
| Loan and lease loss provision to assets | 0.1516% | 3,642 |
| Net operating income to assets | 0.6882% | 3,960 |
| Return on assets (ROA) | 0.7902% | 3,739 |
| Pretax return on assets | 1.0750% | 3,447 |
| Return on Equity (ROE) | 4.9147% | 4,862 |
| Retained earnings to average equity (ytd only) | 3.6288% | 4,327 |
| Net charge-offs to loans | 0.5035% | 2,104 |
| Credit loss provision to net charge-offs | 51.5625% | 4,360 |
| Earnings coverage of net charge-offs (x) | 3.7032% | 3,547 |
| Efficiency ratio | 76.3000% | 2,630 |
| Assets per employee ($millions) | 3.7586% | 4,409 |
| Cash dividends to net income (ytd only)* | 26.1632% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7546% | 6,679 |
| Loan loss allowance to noncurrent loans | 26.2760% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 5.4408% | 789 |
| Noncurrent loans to loans | 2.8717% | 1,956 |
| Net loans and leases to total assets | 60.8002% | 3,609 |
| Net loans and leases to deposits | 86.7597% | 1,514 |
| Net loans and leases to core deposits | 86.7597% | 2,373 |
| Total domestic deposits to total assets | 70.0788% | 6,837 |
| Equity capital to assets | 15.7870% | 649 |
| Core capital (leverage) ratio | 10.7736% | 2,634 |
| Tier 1 risk-based capital ratio | 15.7778% | 3,389 |
| Total risk-based capital ratio | 16.5096% | 3,621 |
| Memoranda: | ||
| Average total assets | $29,021,500 | 6,866 |
| Average earning assets | $23,216,250 | 6,922 |
| Average equity | $4,666,250 | 6,468 |
| Average total loans | $16,947,000 | 6,642 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0054% | 291 |
| Cost of funding earning assets | 1.3751% | 384 |
| Net interest margin | 4.6302% | 784 |
| Noninterest income to average assets | 0.8022% | 2,166 |
| Noninterest expense to average assets | 3.4598% | 1,879 |
| Loan and lease loss provision to assets | 0.2232% | 2,851 |
| Net operating income to assets | 0.6417% | 4,157 |
| Return on assets (ROA) | 0.6417% | 4,409 |
| Pretax return on assets | 0.8301% | 4,359 |
| Return on Equity (ROE) | 3.9661% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.7159% | 4,814 |
| Net charge-offs to loans | 0.8022% | 1,372 |
| Credit loss provision to net charge-offs | 48.4848% | 4,070 |
| Earnings coverage of net charge-offs (x) | 2.2879% | 3,852 |
| Efficiency ratio | 76.6615% | 2,643 |
| Assets per employee ($millions) | 3.1806% | 5,692 |
| Cash dividends to net income (ytd only)* | 31.5217% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 6,671 |
| Loan loss allowance to noncurrent loans | 228.8136% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 4.0734% | 1,242 |
| Noncurrent loans to loans | 0.3493% | 5,850 |
| Net loans and leases to total assets | 58.5397% | 4,074 |
| Net loans and leases to deposits | 83.1613% | 1,961 |
| Net loans and leases to core deposits | 83.1613% | 2,806 |
| Total domestic deposits to total assets | 70.3930% | 6,886 |
| Equity capital to assets | 16.3738% | 524 |
| Core capital (leverage) ratio | 10.8960% | 2,396 |
| Tier 1 risk-based capital ratio | 15.7940% | 3,281 |
| Total risk-based capital ratio | 16.5212% | 3,555 |
| Memoranda: | ||
| Average total assets | $28,672,330 | 6,925 |
| Average earning assets | $22,979,330 | 6,986 |
| Average equity | $4,639,330 | 6,504 |
| Average total loans | $16,455,670 | 6,713 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8129% | 415 |
| Cost of funding earning assets | 1.3758% | 460 |
| Net interest margin | 4.4371% | 1,144 |
| Noninterest income to average assets | 0.7388% | 2,451 |
| Noninterest expense to average assets | 3.6381% | 1,484 |
| Loan and lease loss provision to assets | 0.4461% | 1,391 |
| Net operating income to assets | 0.1255% | 6,181 |
| Return on assets (ROA) | 0.1255% | 6,310 |
| Pretax return on assets | 0.2509% | 6,084 |
| Return on Equity (ROE) | 0.7800% | 6,389 |
| Retained earnings to average equity (ytd only) | -0.5200% | 6,081 |
| Net charge-offs to loans | 1.7244% | 557 |
| Credit loss provision to net charge-offs | 45.7143% | 3,354 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 3,980 |
| Efficiency ratio | 83.9228% | 1,695 |
| Assets per employee ($millions) | 3.2128% | 5,740 |
| Cash dividends to net income (ytd only)* | 166.6667% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 6,687 |
| Loan loss allowance to noncurrent loans | 39.6970% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 4.9697% | 1,050 |
| Noncurrent loans to loans | 2.0907% | 3,043 |
| Net loans and leases to total assets | 54.1345% | 4,698 |
| Net loans and leases to deposits | 76.5390% | 2,721 |
| Net loans and leases to core deposits | 76.5390% | 3,551 |
| Total domestic deposits to total assets | 70.7280% | 6,947 |
| Equity capital to assets | 15.9329% | 587 |
| Core capital (leverage) ratio | 10.5847% | 2,658 |
| Tier 1 risk-based capital ratio | 15.9759% | 3,191 |
| Total risk-based capital ratio | 16.7066% | 3,443 |
| Memoranda: | ||
| Average total assets | $28,696,000 | 6,984 |
| Average earning assets | $23,258,500 | 7,042 |
| Average equity | $4,615,500 | 6,543 |
| Average total loans | $16,237,500 | 6,783 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7367% | 723 |
| Cost of funding earning assets | 1.4523% | 855 |
| Net interest margin | 4.2844% | 1,755 |
| Noninterest income to average assets | 0.5541% | 3,483 |
| Noninterest expense to average assets | 3.4451% | 2,130 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5089% | 4,377 |
| Return on assets (ROA) | 0.5089% | 4,592 |
| Pretax return on assets | 0.6672% | 4,448 |
| Return on Equity (ROE) | 2.9513% | 5,306 |
| Retained earnings to average equity (ytd only) | 1.0275% | 5,381 |
| Net charge-offs to loans | 0.0815% | 5,503 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 13.6154% | 1,527 |
| Efficiency ratio | 83.7764% | 1,787 |
| Assets per employee ($millions) | 3.5596% | 4,869 |
| Cash dividends to net income (ytd only)* | 65.1852% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 6,154 |
| Loan loss allowance to noncurrent loans | 15.0758% | 6,744 |
| Noncurrent assets plus other real estate owned to assets | 4.2701% | 1,308 |
| Noncurrent loans to loans | 6.7162% | 680 |
| Net loans and leases to total assets | 58.0188% | 4,363 |
| Net loans and leases to deposits | 82.6224% | 2,118 |
| Net loans and leases to core deposits | 82.6224% | 3,086 |
| Total domestic deposits to total assets | 70.2216% | 6,974 |
| Equity capital to assets | 16.2377% | 551 |
| Core capital (leverage) ratio | 10.8241% | 2,417 |
| Tier 1 risk-based capital ratio | 17.0215% | 2,594 |
| Total risk-based capital ratio | 18.0238% | 2,668 |
| Memoranda: | ||
| Average total assets | $26,530,400 | 7,059 |
| Average earning assets | $22,033,600 | 7,107 |
| Average equity | $4,574,200 | 6,566 |
| Average total loans | $15,955,000 | 6,851 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6736% | 890 |
| Cost of funding earning assets | 1.4646% | 975 |
| Net interest margin | 4.2091% | 2,059 |
| Noninterest income to average assets | 0.5631% | 3,423 |
| Noninterest expense to average assets | 3.5222% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4249% | 4,884 |
| Return on assets (ROA) | 0.4249% | 5,075 |
| Pretax return on assets | 0.5427% | 5,002 |
| Return on Equity (ROE) | 2.4258% | 5,646 |
| Retained earnings to average equity (ytd only) | 0.2922% | 5,865 |
| Net charge-offs to loans | -0.0084% | 6,761 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6499% | 1,468 |
| Assets per employee ($millions) | 3.4196% | 5,200 |
| Cash dividends to net income (ytd only)* | 87.9541% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 5,742 |
| Loan loss allowance to noncurrent loans | 15.4822% | 6,806 |
| Noncurrent assets plus other real estate owned to assets | 4.6643% | 1,272 |
| Noncurrent loans to loans | 7.3389% | 652 |
| Net loans and leases to total assets | 58.2045% | 4,474 |
| Net loans and leases to deposits | 82.5796% | 2,242 |
| Net loans and leases to core deposits | 82.5796% | 3,245 |
| Total domestic deposits to total assets | 70.4829% | 7,014 |
| Equity capital to assets | 16.8659% | 497 |
| Core capital (leverage) ratio | 11.2635% | 2,184 |
| Tier 1 risk-based capital ratio | 18.0837% | 2,220 |
| Total risk-based capital ratio | 19.2519% | 2,216 |
| Memoranda: | ||
| Average total assets | $26,043,750 | 7,142 |
| Average earning assets | $21,667,000 | 7,187 |
| Average equity | $4,561,750 | 6,621 |
| Average total loans | $15,771,000 | 6,930 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0556% | 423 |
| Cost of funding earning assets | 1.4997% | 1,006 |
| Net interest margin | 4.5558% | 1,001 |
| Noninterest income to average assets | 0.5624% | 3,380 |
| Noninterest expense to average assets | 3.5460% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5702% | 4,211 |
| Return on assets (ROA) | 0.5702% | 4,338 |
| Pretax return on assets | 0.7889% | 4,073 |
| Return on Equity (ROE) | 3.2128% | 5,299 |
| Retained earnings to average equity (ytd only) | 0.9242% | 5,496 |
| Net charge-offs to loans | -0.0128% | 6,740 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8018% | 2,128 |
| Assets per employee ($millions) | 2.8570% | 6,372 |
| Cash dividends to net income (ytd only)* | 71.2329% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 5,738 |
| Loan loss allowance to noncurrent loans | 415.9091% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 5,838 |
| Noncurrent loans to loans | 0.2782% | 6,365 |
| Net loans and leases to total assets | 60.8058% | 4,127 |
| Net loans and leases to deposits | 86.0011% | 1,797 |
| Net loans and leases to core deposits | 86.0011% | 2,905 |
| Total domestic deposits to total assets | 70.7035% | 7,075 |
| Equity capital to assets | 17.8237% | 398 |
| Core capital (leverage) ratio | 11.5563% | 1,875 |
| Tier 1 risk-based capital ratio | 18.4268% | 2,035 |
| Total risk-based capital ratio | 19.6125% | 2,008 |
| Memoranda: | ||
| Average total assets | $25,606,000 | 7,223 |
| Average earning assets | $21,203,670 | 7,264 |
| Average equity | $4,544,330 | 6,669 |
| Average total loans | $15,659,330 | 6,999 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0989% | 404 |
| Cost of funding earning assets | 1.5531% | 967 |
| Net interest margin | 4.5458% | 966 |
| Noninterest income to average assets | 0.5635% | 3,411 |
| Noninterest expense to average assets | 3.5691% | 1,828 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5322% | 4,341 |
| Return on assets (ROA) | 0.5322% | 4,429 |
| Pretax return on assets | 0.7514% | 4,092 |
| Return on Equity (ROE) | 3.0055% | 5,369 |
| Retained earnings to average equity (ytd only) | 0.2652% | 5,700 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6087% | 2,136 |
| Assets per employee ($millions) | 2.8767% | 6,399 |
| Cash dividends to net income (ytd only)* | 91.1765% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 5,622 |
| Loan loss allowance to noncurrent loans | 338.8889% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 5,838 |
| Noncurrent loans to loans | 0.3548% | 6,279 |
| Net loans and leases to total assets | 58.0803% | 4,636 |
| Net loans and leases to deposits | 78.9966% | 2,896 |
| Net loans and leases to core deposits | 78.9966% | 3,888 |
| Total domestic deposits to total assets | 73.5226% | 6,949 |
| Equity capital to assets | 17.4971% | 403 |
| Core capital (leverage) ratio | 11.7222% | 1,723 |
| Tier 1 risk-based capital ratio | 18.2358% | 2,040 |
| Total risk-based capital ratio | 19.4167% | 2,031 |
| Memoranda: | ||
| Average total assets | $25,552,500 | 7,277 |
| Average earning assets | $21,118,500 | 7,318 |
| Average equity | $4,525,000 | 6,705 |
| Average total loans | $15,580,000 | 7,054 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7003% | 231 |
| Cost of funding earning assets | 1.7837% | 1,232 |
| Net interest margin | 4.9166% | 523 |
| Noninterest income to average assets | 0.5599% | 3,748 |
| Noninterest expense to average assets | 3.5433% | 2,064 |
| Loan and lease loss provision to assets | 0.0858% | 6,292 |
| Net operating income to assets | 0.5762% | 3,774 |
| Return on assets (ROA) | 0.5762% | 3,937 |
| Pretax return on assets | 0.8623% | 3,431 |
| Return on Equity (ROE) | 3.1267% | 4,903 |
| Retained earnings to average equity (ytd only) | 0.8870% | 5,105 |
| Net charge-offs to loans | -0.3967% | 7,583 |
| Credit loss provision to net charge-offs | -32.8125% | 6,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8899% | 2,548 |
| Assets per employee ($millions) | 2.8017% | 6,522 |
| Cash dividends to net income (ytd only)* | 71.6312% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 5,774 |
| Loan loss allowance to noncurrent loans | 356.8627% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 5,895 |
| Noncurrent loans to loans | 0.3199% | 6,414 |
| Net loans and leases to total assets | 62.4945% | 4,173 |
| Net loans and leases to deposits | 89.9173% | 1,536 |
| Net loans and leases to core deposits | 89.9173% | 2,780 |
| Total domestic deposits to total assets | 69.5023% | 7,261 |
| Equity capital to assets | 17.9258% | 377 |
| Core capital (leverage) ratio | 11.9543% | 1,580 |
| Tier 1 risk-based capital ratio | 17.6647% | 2,102 |
| Total risk-based capital ratio | 18.8036% | 2,119 |
| Memoranda: | ||
| Average total assets | $24,468,600 | 7,361 |
| Average earning assets | $19,566,200 | 7,412 |
| Average equity | $4,509,600 | 6,816 |
| Average total loans | $16,132,200 | 7,115 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6994% | 243 |
| Cost of funding earning assets | 1.8045% | 1,399 |
| Net interest margin | 4.8950% | 559 |
| Noninterest income to average assets | 0.5820% | 3,566 |
| Noninterest expense to average assets | 3.5636% | 1,870 |
| Loan and lease loss provision to assets | 0.1153% | 5,875 |
| Net operating income to assets | 0.5326% | 4,177 |
| Return on assets (ROA) | 0.5326% | 4,345 |
| Pretax return on assets | 0.7907% | 3,947 |
| Return on Equity (ROE) | 2.8695% | 5,273 |
| Retained earnings to average equity (ytd only) | 0.7988% | 5,490 |
| Net charge-offs to loans | 0.0082% | 6,553 |
| Credit loss provision to net charge-offs | 2,100.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 165.4060% | 197 |
| Efficiency ratio | 79.7297% | 2,382 |
| Assets per employee ($millions) | 2.7484% | 6,692 |
| Cash dividends to net income (ytd only)* | 72.1642% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7058% | 7,191 |
| Loan loss allowance to noncurrent loans | 82.3944% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 6,003 |
| Noncurrent loans to loans | 0.8567% | 5,509 |
| Net loans and leases to total assets | 66.5386% | 3,563 |
| Net loans and leases to deposits | 96.4432% | 932 |
| Net loans and leases to core deposits | 96.4432% | 2,204 |
| Total domestic deposits to total assets | 68.9926% | 7,326 |
| Equity capital to assets | 18.3093% | 388 |
| Core capital (leverage) ratio | 12.2590% | 1,531 |
| Tier 1 risk-based capital ratio | 17.5471% | 2,159 |
| Total risk-based capital ratio | 18.2778% | 2,296 |
| Memoranda: | ||
| Average total assets | $24,282,000 | 7,465 |
| Average earning assets | $19,284,750 | 7,514 |
| Average equity | $4,507,000 | 6,904 |
| Average total loans | $16,180,250 | 7,204 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7182% | 237 |
| Cost of funding earning assets | 1.8620% | 1,371 |
| Net interest margin | 4.8561% | 593 |
| Noninterest income to average assets | 0.5885% | 3,425 |
| Noninterest expense to average assets | 3.4810% | 2,071 |
| Loan and lease loss provision to assets | 0.1658% | 5,227 |
| Net operating income to assets | 0.5056% | 4,302 |
| Return on assets (ROA) | 0.5056% | 4,448 |
| Pretax return on assets | 0.7459% | 4,079 |
| Return on Equity (ROE) | 2.7113% | 5,364 |
| Retained earnings to average equity (ytd only) | 0.9778% | 5,378 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2453% | 2,537 |
| Assets per employee ($millions) | 2.4480% | 7,166 |
| Cash dividends to net income (ytd only)* | 63.9344% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6919% | 7,270 |
| Loan loss allowance to noncurrent loans | 102.6316% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 6,057 |
| Noncurrent loans to loans | 0.6742% | 5,905 |
| Net loans and leases to total assets | 68.5989% | 3,220 |
| Net loans and leases to deposits | 99.8929% | 736 |
| Net loans and leases to core deposits | 99.8929% | 2,030 |
| Total domestic deposits to total assets | 68.6724% | 7,402 |
| Equity capital to assets | 18.4681% | 380 |
| Core capital (leverage) ratio | 12.5195% | 1,402 |
| Tier 1 risk-based capital ratio | 17.2255% | 2,191 |
| Total risk-based capital ratio | 17.9440% | 2,350 |
| Memoranda: | ||
| Average total assets | $24,130,670 | 7,532 |
| Average earning assets | $18,904,000 | 7,587 |
| Average equity | $4,499,670 | 6,936 |
| Average total loans | $16,048,330 | 7,258 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4646% | 387 |
| Cost of funding earning assets | 1.8623% | 1,600 |
| Net interest margin | 4.6023% | 949 |
| Noninterest income to average assets | 0.5844% | 3,379 |
| Noninterest expense to average assets | 3.6567% | 1,602 |
| Loan and lease loss provision to assets | 0.3339% | 3,394 |
| Net operating income to assets | 0.1670% | 5,796 |
| Return on assets (ROA) | 0.1670% | 5,922 |
| Pretax return on assets | 0.1837% | 5,928 |
| Return on Equity (ROE) | 0.8911% | 6,146 |
| Retained earnings to average equity (ytd only) | -1.8712% | 6,191 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6000% | 1,632 |
| Assets per employee ($millions) | 2.3962% | 7,340 |
| Cash dividends to net income (ytd only)* | 310.0000% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7152% | 7,308 |
| Loan loss allowance to noncurrent loans | 60.9375% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8013% | 5,556 |
| Noncurrent loans to loans | 1.1737% | 5,017 |
| Net loans and leases to total assets | 67.7823% | 3,442 |
| Net loans and leases to deposits | 99.9262% | 757 |
| Net loans and leases to core deposits | 99.9262% | 2,139 |
| Total domestic deposits to total assets | 67.8324% | 7,535 |
| Equity capital to assets | 18.6879% | 362 |
| Core capital (leverage) ratio | 12.3430% | 1,475 |
| Tier 1 risk-based capital ratio | 17.2733% | 2,164 |
| Total risk-based capital ratio | 18.0050% | 2,313 |
| Memoranda: | ||
| Average total assets | $23,956,000 | 7,625 |
| Average earning assets | $18,686,500 | 7,687 |
| Average equity | $4,489,000 | 7,007 |
| Average total loans | $15,617,500 | 7,373 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7193% | 446 |
| Cost of funding earning assets | 1.9083% | 3,421 |
| Net interest margin | 4.8110% | 676 |
| Noninterest income to average assets | 0.6342% | 3,394 |
| Noninterest expense to average assets | 3.7457% | 1,808 |
| Loan and lease loss provision to assets | 0.0128% | 7,367 |
| Net operating income to assets | 0.4725% | 3,848 |
| Return on assets (ROA) | 0.4725% | 3,956 |
| Pretax return on assets | 0.6853% | 3,623 |
| Return on Equity (ROE) | 2.4822% | 4,717 |
| Retained earnings to average equity (ytd only) | 0.2683% | 4,761 |
| Net charge-offs to loans | 0.4471% | 3,997 |
| Credit loss provision to net charge-offs | 4.4118% | 6,995 |
| Earnings coverage of net charge-offs (x) | 2.4118% | 3,924 |
| Efficiency ratio | 84.2912% | 2,314 |
| Assets per employee ($millions) | 2.9938% | 6,243 |
| Cash dividends to net income (ytd only)* | 89.1892% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 7,469 |
| Loan loss allowance to noncurrent loans | 144.7761% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 6,752 |
| Noncurrent loans to loans | 0.4504% | 6,371 |
| Net loans and leases to total assets | 61.7077% | 5,052 |
| Net loans and leases to deposits | 90.8526% | 2,075 |
| Net loans and leases to core deposits | 93.4493% | 4,733 |
| Total domestic deposits to total assets | 67.9207% | 7,553 |
| Equity capital to assets | 18.7891% | 386 |
| Core capital (leverage) ratio | 12.6471% | 1,380 |
| Tier 1 risk-based capital ratio | 18.7863% | 1,704 |
| Total risk-based capital ratio | 19.4411% | 1,796 |
| Memoranda: | ||
| Average total assets | $23,493,600 | 7,683 |
| Average earning assets | $18,603,200 | 7,743 |
| Average equity | $4,471,800 | 7,124 |
| Average total loans | $15,208,200 | 7,439 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6900% | 520 |
| Cost of funding earning assets | 1.8992% | 3,894 |
| Net interest margin | 4.7908% | 696 |
| Noninterest income to average assets | 0.6558% | 3,318 |
| Noninterest expense to average assets | 3.7126% | 1,789 |
| Loan and lease loss provision to assets | 0.0114% | 7,217 |
| Net operating income to assets | 0.5246% | 3,883 |
| Return on assets (ROA) | 0.5246% | 3,972 |
| Pretax return on assets | 0.7585% | 3,673 |
| Return on Equity (ROE) | 2.7473% | 4,900 |
| Retained earnings to average equity (ytd only) | 0.5375% | 4,985 |
| Net charge-offs to loans | -0.0610% | 7,877 |
| Credit loss provision to net charge-offs | -28.5714% | 7,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8244% | 2,457 |
| Assets per employee ($millions) | 2.1416% | 7,670 |
| Cash dividends to net income (ytd only)* | 80.4337% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 5,521 |
| Loan loss allowance to noncurrent loans | 96.6102% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 5,624 |
| Noncurrent loans to loans | 1.1723% | 4,987 |
| Net loans and leases to total assets | 63.3628% | 5,003 |
| Net loans and leases to deposits | 94.0698% | 1,872 |
| Net loans and leases to core deposits | 97.6834% | 4,641 |
| Total domestic deposits to total assets | 67.3572% | 7,616 |
| Equity capital to assets | 18.9787% | 421 |
| Core capital (leverage) ratio | 12.8806% | 1,416 |
| Tier 1 risk-based capital ratio | 18.8913% | 1,767 |
| Total risk-based capital ratio | 20.0659% | 1,750 |
| Memoranda: | ||
| Average total assets | $23,379,500 | 7,754 |
| Average earning assets | $18,674,250 | 7,816 |
| Average equity | $4,464,750 | 7,194 |
| Average total loans | $15,291,250 | 7,504 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5843% | 680 |
| Cost of funding earning assets | 1.8601% | 4,468 |
| Net interest margin | 4.7242% | 768 |
| Noninterest income to average assets | 0.6775% | 3,133 |
| Noninterest expense to average assets | 3.6021% | 2,069 |
| Loan and lease loss provision to assets | 0.0172% | 7,049 |
| Net operating income to assets | 0.6175% | 3,605 |
| Return on assets (ROA) | 0.6175% | 3,719 |
| Pretax return on assets | 0.8919% | 3,371 |
| Return on Equity (ROE) | 3.2268% | 4,809 |
| Retained earnings to average equity (ytd only) | 1.0308% | 4,752 |
| Net charge-offs to loans | 0.0521% | 5,762 |
| Credit loss provision to net charge-offs | 50.0000% | 5,763 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,080 |
| Efficiency ratio | 79.8479% | 3,062 |
| Assets per employee ($millions) | 2.0434% | 7,825 |
| Cash dividends to net income (ytd only)* | 68.0556% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 5,750 |
| Loan loss allowance to noncurrent loans | 76.9231% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.9254% | 5,123 |
| Noncurrent loans to loans | 1.4005% | 4,411 |
| Net loans and leases to total assets | 65.3646% | 4,689 |
| Net loans and leases to deposits | 99.4988% | 1,333 |
| Net loans and leases to core deposits | 103.5888% | 4,107 |
| Total domestic deposits to total assets | 65.6938% | 7,756 |
| Equity capital to assets | 19.9137% | 390 |
| Core capital (leverage) ratio | 12.9957% | 1,432 |
| Tier 1 risk-based capital ratio | 19.2377% | 1,733 |
| Total risk-based capital ratio | 20.3546% | 1,713 |
| Memoranda: | ||
| Average total assets | $23,320,000 | 7,841 |
| Average earning assets | $18,923,670 | 7,887 |
| Average equity | $4,462,670 | 7,251 |
| Average total loans | $15,355,670 | 7,570 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4318% | 992 |
| Cost of funding earning assets | 1.8406% | 4,916 |
| Net interest margin | 4.5912% | 952 |
| Noninterest income to average assets | 0.6739% | 3,041 |
| Noninterest expense to average assets | 3.6560% | 1,741 |
| Loan and lease loss provision to assets | 0.0337% | 6,517 |
| Net operating income to assets | 0.5223% | 4,329 |
| Return on assets (ROA) | 0.5223% | 4,516 |
| Pretax return on assets | 0.7245% | 4,340 |
| Return on Equity (ROE) | 2.7828% | 5,461 |
| Retained earnings to average equity (ytd only) | 0.5386% | 5,443 |
| Net charge-offs to loans | -0.0256% | 7,510 |
| Credit loss provision to net charge-offs | -200.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8244% | 2,433 |
| Assets per employee ($millions) | 2.9955% | 6,163 |
| Cash dividends to net income (ytd only)* | 80.6452% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 5,697 |
| Loan loss allowance to noncurrent loans | 173.6842% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 6,314 |
| Noncurrent loans to loans | 0.6151% | 5,861 |
| Net loans and leases to total assets | 63.7581% | 5,032 |
| Net loans and leases to deposits | 92.5215% | 2,511 |
| Net loans and leases to core deposits | 95.0127% | 5,062 |
| Total domestic deposits to total assets | 68.9117% | 7,526 |
| Equity capital to assets | 18.6113% | 531 |
| Core capital (leverage) ratio | 12.4659% | 1,703 |
| Tier 1 risk-based capital ratio | 18.0983% | 2,025 |
| Total risk-based capital ratio | 19.1886% | 2,015 |
| Memoranda: | ||
| Average total assets | $23,741,500 | 7,875 |
| Average earning assets | $19,341,500 | 7,927 |
| Average equity | $4,456,000 | 7,300 |
| Average total loans | $15,607,500 | 7,601 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1244% | 877 |
| Cost of funding earning assets | 2.0108% | 6,376 |
| Net interest margin | 5.1137% | 390 |
| Noninterest income to average assets | 0.7037% | 3,106 |
| Noninterest expense to average assets | 3.7669% | 1,819 |
| Loan and lease loss provision to assets | 0.0920% | 6,221 |
| Net operating income to assets | 0.5979% | 4,311 |
| Return on assets (ROA) | 0.5979% | 4,177 |
| Pretax return on assets | 0.9153% | 3,673 |
| Return on Equity (ROE) | 2.7562% | 5,321 |
| Retained earnings to average equity (ytd only) | -4.7068% | 6,463 |
| Net charge-offs to loans | 0.0217% | 6,546 |
| Credit loss provision to net charge-offs | 666.6667% | 640 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 557 |
| Efficiency ratio | 78.9017% | 2,772 |
| Assets per employee ($millions) | 2.9399% | 6,195 |
| Cash dividends to net income (ytd only)* | 270.7692% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 5,798 |
| Loan loss allowance to noncurrent loans | 167.0103% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 5,986 |
| Noncurrent loans to loans | 0.6151% | 5,524 |
| Net loans and leases to total assets | 66.3676% | 4,777 |
| Net loans and leases to deposits | 97.2887% | 2,235 |
| Net loans and leases to core deposits | 99.9680% | 4,825 |
| Total domestic deposits to total assets | 68.2172% | 7,450 |
| Equity capital to assets | 18.9294% | 553 |
| Core capital (leverage) ratio | 12.8486% | 1,595 |
| Tier 1 risk-based capital ratio | 17.9347% | 2,053 |
| Total risk-based capital ratio | 18.9982% | 2,043 |
| Memoranda: | ||
| Average total assets | $21,742,000 | 7,961 |
| Average earning assets | $17,306,600 | 8,030 |
| Average equity | $4,716,600 | 7,247 |
| Average total loans | $13,836,600 | 7,714 |