Home > Mason State Bank > Performance and Condition Ratios
Mason State Bank, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 3,054 |
| Cost of funding earning assets | 0.5320% | 1,852 |
| Net interest margin | 3.5109% | 3,385 |
| Noninterest income to average assets | 0.4223% | 3,729 |
| Noninterest expense to average assets | 2.7347% | 3,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8086% | 3,267 |
| Return on assets (ROA) | 0.8352% | 3,239 |
| Pretax return on assets | 0.8352% | 4,068 |
| Return on Equity (ROE) | 7.3927% | 3,272 |
| Retained earnings to average equity (ytd only) | -1.9071% | 5,526 |
| Net charge-offs to loans | -0.0026% | 4,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1802% | 1,815 |
| Assets per employee ($millions) | 3.6917% | 4,492 |
| Cash dividends to net income (ytd only)* | 125.7965% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3509% | 5,769 |
| Loan loss allowance to noncurrent loans | 49.6255% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 0.7890% | 2,380 |
| Noncurrent loans to loans | 0.7071% | 2,766 |
| Net loans and leases to total assets | 65.7602% | 3,106 |
| Net loans and leases to deposits | 86.0023% | 2,169 |
| Net loans and leases to core deposits | 99.6544% | 1,647 |
| Total domestic deposits to total assets | 76.4634% | 5,186 |
| Equity capital to assets | 11.1086% | 2,530 |
| Core capital (leverage) ratio | 11.0973% | 2,260 |
| Tier 1 risk-based capital ratio | 19.7396% | 1,430 |
| Total risk-based capital ratio | 20.1523% | 1,591 |
| Memoranda: | ||
| Average total assets | $116,504,600 | 4,055 |
| Average earning assets | $103,563,000 | 4,127 |
| Average equity | $13,161,600 | 4,069 |
| Average total loans | $77,493,200 | 3,858 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0177% | 3,155 |
| Cost of funding earning assets | 0.5504% | 1,684 |
| Net interest margin | 3.4673% | 3,603 |
| Noninterest income to average assets | 0.4033% | 3,899 |
| Noninterest expense to average assets | 2.6365% | 3,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8819% | 3,000 |
| Return on assets (ROA) | 0.9172% | 2,944 |
| Pretax return on assets | 0.9172% | 3,918 |
| Return on Equity (ROE) | 8.0860% | 2,961 |
| Retained earnings to average equity (ytd only) | 3.8270% | 3,585 |
| Net charge-offs to loans | -0.0051% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9352% | 2,119 |
| Assets per employee ($millions) | 3.6974% | 4,481 |
| Cash dividends to net income (ytd only)* | 52.6707% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3468% | 5,829 |
| Loan loss allowance to noncurrent loans | 45.1613% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 0.7529% | 2,672 |
| Noncurrent loans to loans | 0.7679% | 2,751 |
| Net loans and leases to total assets | 66.6864% | 3,005 |
| Net loans and leases to deposits | 88.0690% | 2,008 |
| Net loans and leases to core deposits | 102.1831% | 1,471 |
| Total domestic deposits to total assets | 75.7206% | 5,264 |
| Equity capital to assets | 11.7894% | 2,268 |
| Core capital (leverage) ratio | 11.5872% | 1,968 |
| Tier 1 risk-based capital ratio | 20.6554% | 1,330 |
| Total risk-based capital ratio | 21.0683% | 1,444 |
| Memoranda: | ||
| Average total assets | $117,020,000 | 4,070 |
| Average earning assets | $105,131,250 | 4,117 |
| Average equity | $13,273,750 | 4,086 |
| Average total loans | $77,985,750 | 3,875 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 3,393 |
| Cost of funding earning assets | 0.5919% | 1,383 |
| Net interest margin | 3.3665% | 4,004 |
| Noninterest income to average assets | 0.4074% | 3,820 |
| Noninterest expense to average assets | 2.6243% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8148% | 3,242 |
| Return on assets (ROA) | 0.8674% | 3,133 |
| Pretax return on assets | 0.8674% | 4,060 |
| Return on Equity (ROE) | 7.7459% | 3,121 |
| Retained earnings to average equity (ytd only) | 3.1984% | 3,864 |
| Net charge-offs to loans | -0.0051% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3080% | 2,038 |
| Assets per employee ($millions) | 3.5588% | 4,668 |
| Cash dividends to net income (ytd only)* | 58.7084% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3364% | 5,922 |
| Loan loss allowance to noncurrent loans | 44.9153% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 2,701 |
| Noncurrent loans to loans | 0.7490% | 2,869 |
| Net loans and leases to total assets | 68.9401% | 2,642 |
| Net loans and leases to deposits | 95.2145% | 1,166 |
| Net loans and leases to core deposits | 108.9145% | 986 |
| Total domestic deposits to total assets | 72.4050% | 5,647 |
| Equity capital to assets | 11.7480% | 2,313 |
| Core capital (leverage) ratio | 11.2929% | 2,154 |
| Tier 1 risk-based capital ratio | 20.3482% | 1,374 |
| Total risk-based capital ratio | 20.7587% | 1,528 |
| Memoranda: | ||
| Average total assets | $117,820,000 | 4,093 |
| Average earning assets | $106,103,000 | 4,129 |
| Average equity | $13,194,000 | 4,125 |
| Average total loans | $78,413,670 | 3,890 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 3,671 |
| Cost of funding earning assets | 0.5922% | 1,385 |
| Net interest margin | 3.2850% | 4,285 |
| Noninterest income to average assets | 0.3540% | 4,197 |
| Noninterest expense to average assets | 2.5578% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7413% | 3,526 |
| Return on assets (ROA) | 0.8448% | 3,140 |
| Pretax return on assets | 0.8448% | 4,045 |
| Return on Equity (ROE) | 7.7243% | 3,075 |
| Retained earnings to average equity (ytd only) | 4.9765% | 2,958 |
| Net charge-offs to loans | -0.0051% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5304% | 1,965 |
| Assets per employee ($millions) | 3.6682% | 4,522 |
| Cash dividends to net income (ytd only)* | 35.5731% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3374% | 5,989 |
| Loan loss allowance to noncurrent loans | 44.6701% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0862% | 2,037 |
| Noncurrent loans to loans | 0.7552% | 2,947 |
| Net loans and leases to total assets | 66.4423% | 2,884 |
| Net loans and leases to deposits | 92.1978% | 1,322 |
| Net loans and leases to core deposits | 103.9977% | 1,192 |
| Total domestic deposits to total assets | 72.0649% | 5,766 |
| Equity capital to assets | 11.3049% | 2,618 |
| Core capital (leverage) ratio | 11.1399% | 2,270 |
| Tier 1 risk-based capital ratio | 20.5667% | 1,390 |
| Total risk-based capital ratio | 20.9816% | 1,526 |
| Memoranda: | ||
| Average total assets | $119,788,500 | 4,074 |
| Average earning assets | $107,397,500 | 4,141 |
| Average equity | $13,101,500 | 4,152 |
| Average total loans | $78,232,500 | 3,908 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 3,542 |
| Cost of funding earning assets | 0.7665% | 593 |
| Net interest margin | 3.1789% | 4,689 |
| Noninterest income to average assets | 0.4711% | 3,523 |
| Noninterest expense to average assets | 2.5311% | 4,125 |
| Loan and lease loss provision to assets | -0.0098% | 5,625 |
| Net operating income to assets | 0.8144% | 3,280 |
| Return on assets (ROA) | 0.8225% | 3,312 |
| Pretax return on assets | 0.8225% | 4,116 |
| Return on Equity (ROE) | 7.4990% | 3,251 |
| Retained earnings to average equity (ytd only) | -2.4255% | 5,779 |
| Net charge-offs to loans | -0.0063% | 5,021 |
| Credit loss provision to net charge-offs | 240.0000% | 1,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8780% | 2,291 |
| Assets per employee ($millions) | 3.8186% | 4,257 |
| Cash dividends to net income (ytd only)* | 132.3442% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3363% | 6,033 |
| Loan loss allowance to noncurrent loans | 24.9526% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 1.0893% | 2,019 |
| Noncurrent loans to loans | 1.3477% | 1,741 |
| Net loans and leases to total assets | 63.7887% | 3,314 |
| Net loans and leases to deposits | 86.1691% | 2,113 |
| Net loans and leases to core deposits | 96.1394% | 1,833 |
| Total domestic deposits to total assets | 74.0274% | 5,647 |
| Equity capital to assets | 10.5840% | 3,269 |
| Core capital (leverage) ratio | 10.6323% | 2,795 |
| Tier 1 risk-based capital ratio | 19.6946% | 1,545 |
| Total risk-based capital ratio | 20.0954% | 1,701 |
| Memoranda: | ||
| Average total assets | $122,911,600 | 4,027 |
| Average earning assets | $110,760,800 | 4,055 |
| Average equity | $13,481,800 | 4,050 |
| Average total loans | $79,006,200 | 3,862 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 3,691 |
| Cost of funding earning assets | 0.8051% | 479 |
| Net interest margin | 3.1137% | 4,928 |
| Noninterest income to average assets | 0.4755% | 3,533 |
| Noninterest expense to average assets | 2.4967% | 4,205 |
| Loan and lease loss provision to assets | 0.0108% | 4,055 |
| Net operating income to assets | 0.7788% | 3,532 |
| Return on assets (ROA) | 0.7896% | 3,567 |
| Pretax return on assets | 0.7896% | 4,366 |
| Return on Equity (ROE) | 7.1369% | 3,548 |
| Retained earnings to average equity (ytd only) | 5.0222% | 2,902 |
| Net charge-offs to loans | -0.0051% | 4,832 |
| Credit loss provision to net charge-offs | -333.3333% | 5,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9723% | 2,256 |
| Assets per employee ($millions) | 3.9059% | 4,072 |
| Cash dividends to net income (ytd only)* | 29.6292% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3520% | 6,113 |
| Loan loss allowance to noncurrent loans | 47.5630% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6985% | 3,159 |
| Noncurrent loans to loans | 0.7400% | 3,114 |
| Net loans and leases to total assets | 64.1011% | 3,295 |
| Net loans and leases to deposits | 89.5636% | 1,706 |
| Net loans and leases to core deposits | 112.3262% | 744 |
| Total domestic deposits to total assets | 71.5705% | 5,893 |
| Equity capital to assets | 11.1489% | 2,851 |
| Core capital (leverage) ratio | 11.2696% | 2,227 |
| Tier 1 risk-based capital ratio | 21.2428% | 1,303 |
| Total risk-based capital ratio | 21.6796% | 1,415 |
| Memoranda: | ||
| Average total assets | $123,091,000 | 4,065 |
| Average earning assets | $111,119,500 | 4,103 |
| Average equity | $13,619,000 | 4,077 |
| Average total loans | $79,205,500 | 3,886 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 3,708 |
| Cost of funding earning assets | 0.8432% | 391 |
| Net interest margin | 3.0538% | 5,081 |
| Noninterest income to average assets | 0.5161% | 3,258 |
| Noninterest expense to average assets | 2.5070% | 4,221 |
| Loan and lease loss provision to assets | 0.0082% | 3,947 |
| Net operating income to assets | 0.7692% | 3,540 |
| Return on assets (ROA) | 0.7856% | 3,561 |
| Pretax return on assets | 0.7856% | 4,364 |
| Return on Equity (ROE) | 7.1187% | 3,541 |
| Retained earnings to average equity (ytd only) | 4.7359% | 3,031 |
| Net charge-offs to loans | -0.0051% | 4,744 |
| Credit loss provision to net charge-offs | -250.0000% | 5,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3302% | 2,303 |
| Assets per employee ($millions) | 3.8856% | 4,102 |
| Cash dividends to net income (ytd only)* | 33.4719% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3551% | 6,183 |
| Loan loss allowance to noncurrent loans | 36.5918% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 2,831 |
| Noncurrent loans to loans | 0.9706% | 2,707 |
| Net loans and leases to total assets | 64.5220% | 3,192 |
| Net loans and leases to deposits | 91.2474% | 1,455 |
| Net loans and leases to core deposits | 112.6769% | 716 |
| Total domestic deposits to total assets | 70.7111% | 6,006 |
| Equity capital to assets | 11.3437% | 2,534 |
| Core capital (leverage) ratio | 11.1562% | 2,284 |
| Tier 1 risk-based capital ratio | 22.3110% | 1,160 |
| Total risk-based capital ratio | 22.7664% | 1,265 |
| Memoranda: | ||
| Average total assets | $122,458,000 | 4,105 |
| Average earning assets | $111,008,330 | 4,134 |
| Average equity | $13,513,670 | 4,121 |
| Average total loans | $78,806,330 | 3,924 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8817% | 3,695 |
| Cost of funding earning assets | 0.8919% | 300 |
| Net interest margin | 2.9898% | 5,243 |
| Noninterest income to average assets | 0.3596% | 4,326 |
| Noninterest expense to average assets | 2.4105% | 4,564 |
| Loan and lease loss provision to assets | 0.0162% | 3,517 |
| Net operating income to assets | 0.6480% | 4,056 |
| Return on assets (ROA) | 0.6804% | 4,016 |
| Pretax return on assets | 0.6804% | 4,652 |
| Return on Equity (ROE) | 6.2507% | 3,899 |
| Retained earnings to average equity (ytd only) | 5.3577% | 2,860 |
| Net charge-offs to loans | -0.0050% | 4,496 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3983% | 2,130 |
| Assets per employee ($millions) | 3.9428% | 4,073 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3447% | 6,266 |
| Loan loss allowance to noncurrent loans | 45.5446% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 3,470 |
| Noncurrent loans to loans | 0.7567% | 3,363 |
| Net loans and leases to total assets | 65.2916% | 2,880 |
| Net loans and leases to deposits | 90.0692% | 1,386 |
| Net loans and leases to core deposits | 113.2373% | 602 |
| Total domestic deposits to total assets | 72.4905% | 6,015 |
| Equity capital to assets | 11.0982% | 2,865 |
| Core capital (leverage) ratio | 11.0602% | 2,356 |
| Tier 1 risk-based capital ratio | 21.5985% | 1,303 |
| Total risk-based capital ratio | 22.0423% | 1,430 |
| Memoranda: | ||
| Average total assets | $123,459,500 | 4,116 |
| Average earning assets | $112,115,000 | 4,139 |
| Average equity | $13,438,500 | 4,164 |
| Average total loans | $79,211,000 | 3,923 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 4,549 |
| Cost of funding earning assets | 1.0058% | 224 |
| Net interest margin | 2.7756% | 5,844 |
| Noninterest income to average assets | 0.5918% | 2,903 |
| Noninterest expense to average assets | 2.3748% | 4,907 |
| Loan and lease loss provision to assets | -0.0389% | 5,996 |
| Net operating income to assets | 0.7473% | 3,640 |
| Return on assets (ROA) | 0.7473% | 3,738 |
| Pretax return on assets | 0.7473% | 4,453 |
| Return on Equity (ROE) | 7.1744% | 3,541 |
| Retained earnings to average equity (ytd only) | -0.8959% | 5,908 |
| Net charge-offs to loans | -0.0063% | 5,495 |
| Credit loss provision to net charge-offs | 1,000.0000% | 268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0240% | 2,347 |
| Assets per employee ($millions) | 4.0223% | 3,901 |
| Cash dividends to net income (ytd only)* | 112.4870% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3446% | 6,358 |
| Loan loss allowance to noncurrent loans | 52.6316% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5846% | 3,837 |
| Noncurrent loans to loans | 0.6548% | 3,720 |
| Net loans and leases to total assets | 62.6119% | 3,423 |
| Net loans and leases to deposits | 84.4551% | 2,162 |
| Net loans and leases to core deposits | 108.6249% | 851 |
| Total domestic deposits to total assets | 74.1363% | 5,938 |
| Equity capital to assets | 10.6759% | 3,270 |
| Core capital (leverage) ratio | 10.6444% | 2,782 |
| Tier 1 risk-based capital ratio | 20.8236% | 1,438 |
| Total risk-based capital ratio | 21.2490% | 1,570 |
| Memoranda: | ||
| Average total assets | $128,600,600 | 4,003 |
| Average earning assets | $115,436,200 | 4,062 |
| Average equity | $13,394,800 | 4,120 |
| Average total loans | $79,662,800 | 3,880 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7976% | 4,552 |
| Cost of funding earning assets | 1.0333% | 208 |
| Net interest margin | 2.7643% | 5,912 |
| Noninterest income to average assets | 0.5896% | 2,934 |
| Noninterest expense to average assets | 2.3409% | 4,994 |
| Loan and lease loss provision to assets | -0.0103% | 6,091 |
| Net operating income to assets | 0.7419% | 3,714 |
| Return on assets (ROA) | 0.7419% | 3,824 |
| Pretax return on assets | 0.7419% | 4,553 |
| Return on Equity (ROE) | 7.1657% | 3,627 |
| Retained earnings to average equity (ytd only) | 0.0795% | 5,771 |
| Net charge-offs to loans | -0.0067% | 5,346 |
| Credit loss provision to net charge-offs | 250.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1889% | 2,464 |
| Assets per employee ($millions) | 4.0006% | 3,880 |
| Cash dividends to net income (ytd only)* | 98.8901% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3819% | 6,424 |
| Loan loss allowance to noncurrent loans | 59.5376% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 4,121 |
| Noncurrent loans to loans | 0.6414% | 4,014 |
| Net loans and leases to total assets | 62.9654% | 3,348 |
| Net loans and leases to deposits | 87.6249% | 1,720 |
| Net loans and leases to core deposits | 112.8539% | 627 |
| Total domestic deposits to total assets | 71.8579% | 6,178 |
| Equity capital to assets | 10.5071% | 3,544 |
| Core capital (leverage) ratio | 10.4184% | 3,141 |
| Tier 1 risk-based capital ratio | 20.6703% | 1,513 |
| Total risk-based capital ratio | 21.1488% | 1,669 |
| Memoranda: | ||
| Average total assets | $129,577,750 | 4,015 |
| Average earning assets | $116,385,750 | 4,079 |
| Average equity | $13,415,500 | 4,149 |
| Average total loans | $79,993,000 | 3,901 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7982% | 4,533 |
| Cost of funding earning assets | 1.0618% | 182 |
| Net interest margin | 2.7364% | 6,007 |
| Noninterest income to average assets | 0.5719% | 2,980 |
| Noninterest expense to average assets | 2.2737% | 5,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7348% | 3,648 |
| Return on assets (ROA) | 0.7348% | 3,741 |
| Pretax return on assets | 0.7348% | 4,521 |
| Return on Equity (ROE) | 7.1324% | 3,554 |
| Retained earnings to average equity (ytd only) | -2.6112% | 6,063 |
| Net charge-offs to loans | -0.0050% | 5,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5749% | 2,711 |
| Assets per employee ($millions) | 3.9556% | 3,936 |
| Cash dividends to net income (ytd only)* | 136.6109% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4022% | 6,488 |
| Loan loss allowance to noncurrent loans | 60.3810% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 4,222 |
| Noncurrent loans to loans | 0.6661% | 4,044 |
| Net loans and leases to total assets | 62.0142% | 3,401 |
| Net loans and leases to deposits | 86.5353% | 1,767 |
| Net loans and leases to core deposits | 116.6253% | 461 |
| Total domestic deposits to total assets | 71.6635% | 6,275 |
| Equity capital to assets | 10.5160% | 3,424 |
| Core capital (leverage) ratio | 10.2763% | 3,236 |
| Tier 1 risk-based capital ratio | 20.9679% | 1,457 |
| Total risk-based capital ratio | 21.4727% | 1,603 |
| Memoranda: | ||
| Average total assets | $130,097,670 | 4,029 |
| Average earning assets | $115,844,330 | 4,112 |
| Average equity | $13,403,670 | 4,153 |
| Average total loans | $79,685,330 | 3,921 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 4,326 |
| Cost of funding earning assets | 1.0968% | 164 |
| Net interest margin | 2.7421% | 6,042 |
| Noninterest income to average assets | 0.3974% | 4,209 |
| Noninterest expense to average assets | 2.1751% | 5,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6492% | 3,954 |
| Return on assets (ROA) | 0.6492% | 4,050 |
| Pretax return on assets | 0.6492% | 4,665 |
| Return on Equity (ROE) | 6.3643% | 3,823 |
| Retained earnings to average equity (ytd only) | 4.4610% | 3,445 |
| Net charge-offs to loans | -0.0050% | 4,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0140% | 2,646 |
| Assets per employee ($millions) | 4.0991% | 3,722 |
| Cash dividends to net income (ytd only)* | 29.9065% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3979% | 6,563 |
| Loan loss allowance to noncurrent loans | 59.3985% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 4,345 |
| Noncurrent loans to loans | 0.6698% | 4,184 |
| Net loans and leases to total assets | 60.3091% | 3,506 |
| Net loans and leases to deposits | 83.8035% | 1,842 |
| Net loans and leases to core deposits | 115.0528% | 427 |
| Total domestic deposits to total assets | 71.9648% | 6,364 |
| Equity capital to assets | 10.3369% | 3,417 |
| Core capital (leverage) ratio | 10.2552% | 3,211 |
| Tier 1 risk-based capital ratio | 21.0218% | 1,470 |
| Total risk-based capital ratio | 21.5142% | 1,620 |
| Memoranda: | ||
| Average total assets | $131,857,000 | 4,035 |
| Average earning assets | $116,701,000 | 4,124 |
| Average equity | $13,450,000 | 4,158 |
| Average total loans | $80,121,000 | 3,929 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 3,802 |
| Cost of funding earning assets | 1.1935% | 186 |
| Net interest margin | 2.8902% | 5,806 |
| Noninterest income to average assets | 0.5827% | 3,193 |
| Noninterest expense to average assets | 2.4357% | 4,971 |
| Loan and lease loss provision to assets | 0.0795% | 3,516 |
| Net operating income to assets | 0.6468% | 4,045 |
| Return on assets (ROA) | 0.6576% | 4,100 |
| Pretax return on assets | 0.6576% | 4,675 |
| Return on Equity (ROE) | 6.4106% | 3,869 |
| Retained earnings to average equity (ytd only) | 3.6869% | 3,596 |
| Net charge-offs to loans | 0.2005% | 2,868 |
| Credit loss provision to net charge-offs | 62.8049% | 3,481 |
| Earnings coverage of net charge-offs (x) | 5.7378% | 3,227 |
| Efficiency ratio | 77.0320% | 2,613 |
| Assets per employee ($millions) | 4.1420% | 3,547 |
| Cash dividends to net income (ytd only)* | 42.4883% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3898% | 6,646 |
| Loan loss allowance to noncurrent loans | 58.1181% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 4,429 |
| Noncurrent loans to loans | 0.6706% | 4,299 |
| Net loans and leases to total assets | 60.7373% | 3,585 |
| Net loans and leases to deposits | 82.5629% | 2,120 |
| Net loans and leases to core deposits | 115.2529% | 437 |
| Total domestic deposits to total assets | 73.5648% | 6,312 |
| Equity capital to assets | 10.0654% | 3,677 |
| Core capital (leverage) ratio | 10.3080% | 3,143 |
| Tier 1 risk-based capital ratio | 20.8121% | 1,462 |
| Total risk-based capital ratio | 21.3035% | 1,612 |
| Memoranda: | ||
| Average total assets | $129,570,800 | 4,084 |
| Average earning assets | $115,630,800 | 4,143 |
| Average equity | $13,290,400 | 4,205 |
| Average total loans | $81,802,800 | 3,886 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 3,603 |
| Cost of funding earning assets | 1.2108% | 190 |
| Net interest margin | 2.9297% | 5,741 |
| Noninterest income to average assets | 0.5765% | 3,294 |
| Noninterest expense to average assets | 2.4332% | 4,927 |
| Loan and lease loss provision to assets | 0.0155% | 4,704 |
| Net operating income to assets | 0.7472% | 3,613 |
| Return on assets (ROA) | 0.7617% | 3,677 |
| Pretax return on assets | 0.7617% | 4,449 |
| Return on Equity (ROE) | 7.3906% | 3,442 |
| Retained earnings to average equity (ytd only) | 5.5932% | 2,667 |
| Net charge-offs to loans | 0.0390% | 4,368 |
| Credit loss provision to net charge-offs | 62.5000% | 3,235 |
| Earnings coverage of net charge-offs (x) | 30.7075% | 1,220 |
| Efficiency ratio | 76.1334% | 2,715 |
| Assets per employee ($millions) | 4.0048% | 3,821 |
| Cash dividends to net income (ytd only)* | 24.3206% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4553% | 6,684 |
| Loan loss allowance to noncurrent loans | 30.2306% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 3,439 |
| Noncurrent loans to loans | 1.5062% | 2,912 |
| Net loans and leases to total assets | 62.6078% | 3,238 |
| Net loans and leases to deposits | 86.3624% | 1,574 |
| Net loans and leases to core deposits | 122.4887% | 286 |
| Total domestic deposits to total assets | 72.4942% | 6,464 |
| Equity capital to assets | 10.4982% | 3,278 |
| Core capital (leverage) ratio | 10.3203% | 3,211 |
| Tier 1 risk-based capital ratio | 21.6638% | 1,370 |
| Total risk-based capital ratio | 22.2567% | 1,466 |
| Memoranda: | ||
| Average total assets | $128,827,750 | 4,144 |
| Average earning assets | $115,183,250 | 4,198 |
| Average equity | $13,277,750 | 4,256 |
| Average total loans | $82,049,000 | 3,910 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 3,384 |
| Cost of funding earning assets | 1.2383% | 184 |
| Net interest margin | 2.9583% | 5,677 |
| Noninterest income to average assets | 0.6803% | 2,737 |
| Noninterest expense to average assets | 2.4703% | 4,836 |
| Loan and lease loss provision to assets | 0.0232% | 4,448 |
| Net operating income to assets | 0.8043% | 3,275 |
| Return on assets (ROA) | 0.8260% | 3,322 |
| Pretax return on assets | 0.8260% | 4,214 |
| Return on Equity (ROE) | 8.0642% | 3,059 |
| Retained earnings to average equity (ytd only) | 6.3999% | 2,200 |
| Net charge-offs to loans | 0.0630% | 3,803 |
| Credit loss provision to net charge-offs | 57.6923% | 3,059 |
| Earnings coverage of net charge-offs (x) | 20.5385% | 1,459 |
| Efficiency ratio | 74.9060% | 2,962 |
| Assets per employee ($millions) | 4.0364% | 3,719 |
| Cash dividends to net income (ytd only)* | 20.6379% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4482% | 6,744 |
| Loan loss allowance to noncurrent loans | 31.4655% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 1.0994% | 3,528 |
| Noncurrent loans to loans | 1.4246% | 3,161 |
| Net loans and leases to total assets | 62.7593% | 3,144 |
| Net loans and leases to deposits | 87.0587% | 1,456 |
| Net loans and leases to core deposits | 120.2715% | 313 |
| Total domestic deposits to total assets | 72.0884% | 6,559 |
| Equity capital to assets | 10.2791% | 3,566 |
| Core capital (leverage) ratio | 10.1956% | 3,237 |
| Tier 1 risk-based capital ratio | 20.8383% | 1,531 |
| Total risk-based capital ratio | 21.4113% | 1,662 |
| Memoranda: | ||
| Average total assets | $129,052,000 | 4,160 |
| Average earning assets | $114,185,670 | 4,251 |
| Average equity | $13,219,000 | 4,291 |
| Average total loans | $82,531,330 | 3,913 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2361% | 3,162 |
| Cost of funding earning assets | 1.2579% | 183 |
| Net interest margin | 2.9782% | 5,626 |
| Noninterest income to average assets | 0.4186% | 4,319 |
| Noninterest expense to average assets | 2.3226% | 5,359 |
| Loan and lease loss provision to assets | 0.0496% | 3,798 |
| Net operating income to assets | 0.6233% | 4,106 |
| Return on assets (ROA) | 0.6667% | 4,016 |
| Pretax return on assets | 0.6667% | 4,716 |
| Return on Equity (ROE) | 6.5201% | 3,756 |
| Retained earnings to average equity (ytd only) | 4.3973% | 3,598 |
| Net charge-offs to loans | -0.0144% | 5,575 |
| Credit loss provision to net charge-offs | -533.3333% | 5,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5362% | 2,688 |
| Assets per employee ($millions) | 4.0747% | 3,787 |
| Cash dividends to net income (ytd only)* | 32.5581% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4813% | 6,801 |
| Loan loss allowance to noncurrent loans | 29.4996% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 1.3367% | 3,286 |
| Noncurrent loans to loans | 1.6316% | 3,092 |
| Net loans and leases to total assets | 62.6347% | 2,946 |
| Net loans and leases to deposits | 87.4374% | 1,199 |
| Net loans and leases to core deposits | 120.6352% | 277 |
| Total domestic deposits to total assets | 71.6338% | 6,674 |
| Equity capital to assets | 10.1479% | 3,961 |
| Core capital (leverage) ratio | 10.1063% | 3,270 |
| Tier 1 risk-based capital ratio | 19.9075% | 1,799 |
| Total risk-based capital ratio | 20.5125% | 1,936 |
| Memoranda: | ||
| Average total assets | $128,995,500 | 4,205 |
| Average earning assets | $111,611,000 | 4,342 |
| Average equity | $13,190,000 | 4,351 |
| Average total loans | $83,083,000 | 3,921 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 2,725 |
| Cost of funding earning assets | 1.4358% | 219 |
| Net interest margin | 3.2304% | 5,491 |
| Noninterest income to average assets | 0.4582% | 4,191 |
| Noninterest expense to average assets | 2.5168% | 5,043 |
| Loan and lease loss provision to assets | 0.1059% | 4,314 |
| Net operating income to assets | 0.7341% | 3,589 |
| Return on assets (ROA) | 0.7341% | 3,829 |
| Pretax return on assets | 0.7341% | 4,545 |
| Return on Equity (ROE) | 6.7748% | 3,775 |
| Retained earnings to average equity (ytd only) | 0.0455% | 5,810 |
| Net charge-offs to loans | 0.1690% | 4,023 |
| Credit loss provision to net charge-offs | 90.2098% | 3,472 |
| Earnings coverage of net charge-offs (x) | 7.1538% | 2,663 |
| Efficiency ratio | 74.9755% | 2,913 |
| Assets per employee ($millions) | 4.1161% | 3,708 |
| Cash dividends to net income (ytd only)* | 99.3289% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4471% | 6,869 |
| Loan loss allowance to noncurrent loans | 43.6702% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 3,997 |
| Noncurrent loans to loans | 1.0238% | 4,156 |
| Net loans and leases to total assets | 65.6152% | 2,587 |
| Net loans and leases to deposits | 93.3712% | 795 |
| Net loans and leases to core deposits | 117.7716% | 321 |
| Total domestic deposits to total assets | 70.2735% | 6,774 |
| Equity capital to assets | 10.3041% | 3,753 |
| Core capital (leverage) ratio | 10.4963% | 2,774 |
| Tier 1 risk-based capital ratio | 19.1072% | 1,929 |
| Total risk-based capital ratio | 19.6661% | 2,096 |
| Memoranda: | ||
| Average total assets | $121,779,400 | 4,320 |
| Average earning assets | $109,274,400 | 4,358 |
| Average equity | $13,196,000 | 4,317 |
| Average total loans | $84,610,400 | 3,886 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 2,818 |
| Cost of funding earning assets | 1.4663% | 232 |
| Net interest margin | 3.2307% | 5,614 |
| Noninterest income to average assets | 0.4033% | 4,610 |
| Noninterest expense to average assets | 2.5109% | 5,043 |
| Loan and lease loss provision to assets | 0.1252% | 3,983 |
| Net operating income to assets | 0.7092% | 3,878 |
| Return on assets (ROA) | 0.7092% | 4,114 |
| Pretax return on assets | 0.7092% | 4,829 |
| Return on Equity (ROE) | 6.4606% | 4,087 |
| Retained earnings to average equity (ytd only) | -1.5647% | 6,342 |
| Net charge-offs to loans | 0.0488% | 4,973 |
| Credit loss provision to net charge-offs | 364.5161% | 735 |
| Earnings coverage of net charge-offs (x) | 24.2916% | 1,283 |
| Efficiency ratio | 75.0580% | 2,816 |
| Assets per employee ($millions) | 3.8677% | 4,154 |
| Cash dividends to net income (ytd only)* | 124.2186% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5387% | 6,932 |
| Loan loss allowance to noncurrent loans | 45.7364% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 1.4095% | 3,489 |
| Noncurrent loans to loans | 1.1778% | 4,095 |
| Net loans and leases to total assets | 72.6839% | 1,439 |
| Net loans and leases to deposits | 105.0229% | 259 |
| Net loans and leases to core deposits | 132.7787% | 171 |
| Total domestic deposits to total assets | 69.2077% | 6,879 |
| Equity capital to assets | 10.8716% | 3,418 |
| Core capital (leverage) ratio | 10.5328% | 2,876 |
| Tier 1 risk-based capital ratio | 18.7652% | 2,083 |
| Total risk-based capital ratio | 19.4628% | 2,240 |
| Memoranda: | ||
| Average total assets | $120,324,250 | 4,391 |
| Average earning assets | $109,570,250 | 4,395 |
| Average equity | $13,208,000 | 4,359 |
| Average total loans | $84,737,750 | 3,928 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 2,853 |
| Cost of funding earning assets | 1.5109% | 233 |
| Net interest margin | 3.2059% | 5,720 |
| Noninterest income to average assets | 0.3055% | 5,367 |
| Noninterest expense to average assets | 2.5235% | 5,060 |
| Loan and lease loss provision to assets | 0.0598% | 4,904 |
| Net operating income to assets | 0.6425% | 4,147 |
| Return on assets (ROA) | 0.6425% | 4,400 |
| Pretax return on assets | 0.6425% | 4,986 |
| Return on Equity (ROE) | 5.8346% | 4,404 |
| Retained earnings to average equity (ytd only) | -0.9046% | 6,196 |
| Net charge-offs to loans | 0.0525% | 4,672 |
| Credit loss provision to net charge-offs | 163.6364% | 1,700 |
| Earnings coverage of net charge-offs (x) | 19.2273% | 1,446 |
| Efficiency ratio | 78.2295% | 2,426 |
| Assets per employee ($millions) | 3.9592% | 3,959 |
| Cash dividends to net income (ytd only)* | 115.5039% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4766% | 7,035 |
| Loan loss allowance to noncurrent loans | 46.5975% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 1.7335% | 3,127 |
| Noncurrent loans to loans | 1.0228% | 4,464 |
| Net loans and leases to total assets | 71.0297% | 1,732 |
| Net loans and leases to deposits | 109.9259% | 148 |
| Net loans and leases to core deposits | 142.0009% | 139 |
| Total domestic deposits to total assets | 64.6160% | 7,072 |
| Equity capital to assets | 11.0678% | 3,046 |
| Core capital (leverage) ratio | 10.6339% | 2,681 |
| Tier 1 risk-based capital ratio | 19.1468% | 1,926 |
| Total risk-based capital ratio | 19.7515% | 2,092 |
| Memoranda: | ||
| Average total assets | $120,465,670 | 4,414 |
| Average earning assets | $109,736,330 | 4,415 |
| Average equity | $13,265,670 | 4,347 |
| Average total loans | $83,777,000 | 3,985 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 2,918 |
| Cost of funding earning assets | 1.5006% | 287 |
| Net interest margin | 3.2321% | 5,693 |
| Noninterest income to average assets | 0.3231% | 5,288 |
| Noninterest expense to average assets | 2.4895% | 5,182 |
| Loan and lease loss provision to assets | 0.0626% | 4,636 |
| Net operating income to assets | 0.7254% | 3,759 |
| Return on assets (ROA) | 0.7254% | 3,989 |
| Pretax return on assets | 0.7254% | 4,703 |
| Return on Equity (ROE) | 6.6039% | 3,990 |
| Retained earnings to average equity (ytd only) | 6.6039% | 2,630 |
| Net charge-offs to loans | 0.1297% | 3,328 |
| Credit loss provision to net charge-offs | 70.3704% | 2,903 |
| Earnings coverage of net charge-offs (x) | 8.8519% | 1,912 |
| Efficiency ratio | 75.9557% | 2,796 |
| Assets per employee ($millions) | 4.0297% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4530% | 7,104 |
| Loan loss allowance to noncurrent loans | 53.2033% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 1.8852% | 3,066 |
| Noncurrent loans to loans | 0.8515% | 4,974 |
| Net loans and leases to total assets | 69.4372% | 1,850 |
| Net loans and leases to deposits | 107.1015% | 183 |
| Net loans and leases to core deposits | 132.2119% | 186 |
| Total domestic deposits to total assets | 64.8331% | 7,128 |
| Equity capital to assets | 11.1149% | 2,788 |
| Core capital (leverage) ratio | 10.8658% | 2,368 |
| Tier 1 risk-based capital ratio | 19.5430% | 1,828 |
| Total risk-based capital ratio | 20.1142% | 1,992 |
| Memoranda: | ||
| Average total assets | $121,310,000 | 4,423 |
| Average earning assets | $110,887,000 | 4,415 |
| Average equity | $13,325,500 | 4,343 |
| Average total loans | $83,280,000 | 4,034 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 3,561 |
| Cost of funding earning assets | 1.8470% | 183 |
| Net interest margin | 3.0086% | 6,519 |
| Noninterest income to average assets | 0.4126% | 4,512 |
| Noninterest expense to average assets | 2.5635% | 5,235 |
| Loan and lease loss provision to assets | 0.1251% | 5,042 |
| Net operating income to assets | 0.4320% | 4,726 |
| Return on assets (ROA) | 0.4481% | 4,861 |
| Pretax return on assets | 0.4481% | 5,132 |
| Return on Equity (ROE) | 4.2492% | 4,740 |
| Retained earnings to average equity (ytd only) | 1.4776% | 5,154 |
| Net charge-offs to loans | 0.2738% | 4,056 |
| Credit loss provision to net charge-offs | 66.2393% | 4,990 |
| Earnings coverage of net charge-offs (x) | 2.9487% | 3,732 |
| Efficiency ratio | 82.1475% | 1,997 |
| Assets per employee ($millions) | 3.9267% | 4,018 |
| Cash dividends to net income (ytd only)* | 65.2252% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4743% | 7,121 |
| Loan loss allowance to noncurrent loans | 52.9172% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 2.0242% | 2,934 |
| Noncurrent loans to loans | 0.8962% | 4,893 |
| Net loans and leases to total assets | 67.2351% | 2,528 |
| Net loans and leases to deposits | 102.7030% | 347 |
| Net loans and leases to core deposits | 127.3282% | 267 |
| Total domestic deposits to total assets | 65.4656% | 7,142 |
| Equity capital to assets | 10.8553% | 3,133 |
| Core capital (leverage) ratio | 10.4575% | 2,780 |
| Tier 1 risk-based capital ratio | 19.1131% | 1,868 |
| Total risk-based capital ratio | 19.6933% | 2,028 |
| Memoranda: | ||
| Average total assets | $123,855,000 | 4,296 |
| Average earning assets | $111,478,800 | 4,358 |
| Average equity | $13,061,400 | 4,332 |
| Average total loans | $85,457,000 | 3,984 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 3,132 |
| Cost of funding earning assets | 1.9136% | 171 |
| Net interest margin | 3.0776% | 6,435 |
| Noninterest income to average assets | 0.4320% | 4,423 |
| Noninterest expense to average assets | 2.5693% | 5,201 |
| Loan and lease loss provision to assets | 0.1243% | 4,876 |
| Net operating income to assets | 0.5016% | 4,543 |
| Return on assets (ROA) | 0.5231% | 4,622 |
| Pretax return on assets | 0.5231% | 5,068 |
| Return on Equity (ROE) | 4.9961% | 4,535 |
| Retained earnings to average equity (ytd only) | 1.2900% | 5,491 |
| Net charge-offs to loans | 0.2844% | 3,660 |
| Credit loss provision to net charge-offs | 63.0435% | 4,706 |
| Earnings coverage of net charge-offs (x) | 3.1739% | 3,550 |
| Efficiency ratio | 80.4093% | 2,194 |
| Assets per employee ($millions) | 3.9138% | 4,041 |
| Cash dividends to net income (ytd only)* | 74.1797% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4774% | 7,177 |
| Loan loss allowance to noncurrent loans | 43.5396% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 2.1926% | 2,905 |
| Noncurrent loans to loans | 1.0964% | 4,725 |
| Net loans and leases to total assets | 66.7510% | 2,727 |
| Net loans and leases to deposits | 100.5243% | 446 |
| Net loans and leases to core deposits | 135.9886% | 199 |
| Total domestic deposits to total assets | 66.4029% | 7,191 |
| Equity capital to assets | 10.5094% | 3,698 |
| Core capital (leverage) ratio | 9.9496% | 3,506 |
| Tier 1 risk-based capital ratio | 17.9828% | 2,262 |
| Total risk-based capital ratio | 18.5470% | 2,488 |
| Memoranda: | ||
| Average total assets | $124,386,750 | 4,308 |
| Average earning assets | $111,686,250 | 4,368 |
| Average equity | $13,023,250 | 4,345 |
| Average total loans | $86,262,750 | 3,999 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0067% | 3,125 |
| Cost of funding earning assets | 1.9711% | 156 |
| Net interest margin | 3.0356% | 6,537 |
| Noninterest income to average assets | 0.3594% | 5,009 |
| Noninterest expense to average assets | 2.5334% | 5,423 |
| Loan and lease loss provision to assets | 0.1547% | 4,381 |
| Net operating income to assets | 0.3964% | 4,965 |
| Return on assets (ROA) | 0.4287% | 4,966 |
| Pretax return on assets | 0.4287% | 5,302 |
| Return on Equity (ROE) | 4.0996% | 4,883 |
| Retained earnings to average equity (ytd only) | 1.0172% | 5,456 |
| Net charge-offs to loans | 0.3218% | 3,274 |
| Credit loss provision to net charge-offs | 68.5714% | 4,088 |
| Earnings coverage of net charge-offs (x) | 2.4429% | 3,598 |
| Efficiency ratio | 82.1317% | 2,080 |
| Assets per employee ($millions) | 3.9900% | 3,772 |
| Cash dividends to net income (ytd only)* | 75.1880% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4991% | 7,228 |
| Loan loss allowance to noncurrent loans | 28.5426% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 2.5588% | 2,609 |
| Noncurrent loans to loans | 1.7485% | 3,823 |
| Net loans and leases to total assets | 68.5062% | 2,516 |
| Net loans and leases to deposits | 102.5437% | 365 |
| Net loans and leases to core deposits | 137.8875% | 200 |
| Total domestic deposits to total assets | 66.8068% | 7,238 |
| Equity capital to assets | 10.5747% | 3,413 |
| Core capital (leverage) ratio | 9.9153% | 3,369 |
| Tier 1 risk-based capital ratio | 18.0898% | 2,143 |
| Total risk-based capital ratio | 18.6941% | 2,329 |
| Memoranda: | ||
| Average total assets | $124,102,330 | 4,343 |
| Average earning assets | $111,409,670 | 4,401 |
| Average equity | $12,977,000 | 4,348 |
| Average total loans | $87,017,000 | 4,016 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 2,901 |
| Cost of funding earning assets | 1.9509% | 203 |
| Net interest margin | 3.0902% | 6,371 |
| Noninterest income to average assets | 0.3057% | 5,483 |
| Noninterest expense to average assets | 2.4423% | 5,759 |
| Loan and lease loss provision to assets | 0.2735% | 2,967 |
| Net operating income to assets | 0.3218% | 5,304 |
| Return on assets (ROA) | 0.3218% | 5,382 |
| Pretax return on assets | 0.3218% | 5,589 |
| Return on Equity (ROE) | 3.0947% | 5,320 |
| Retained earnings to average equity (ytd only) | -0.0619% | 5,803 |
| Net charge-offs to loans | 0.5776% | 2,043 |
| Credit loss provision to net charge-offs | 66.9291% | 3,407 |
| Earnings coverage of net charge-offs (x) | 1.4567% | 3,614 |
| Efficiency ratio | 80.4025% | 2,451 |
| Assets per employee ($millions) | 3.9232% | 4,012 |
| Cash dividends to net income (ytd only)* | 102.0000% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4951% | 7,284 |
| Loan loss allowance to noncurrent loans | 25.4318% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 2.3195% | 2,929 |
| Noncurrent loans to loans | 1.9469% | 3,643 |
| Net loans and leases to total assets | 68.3519% | 2,480 |
| Net loans and leases to deposits | 101.2937% | 412 |
| Net loans and leases to core deposits | 149.6347% | 150 |
| Total domestic deposits to total assets | 67.4789% | 7,278 |
| Equity capital to assets | 10.2905% | 3,426 |
| Core capital (leverage) ratio | 10.2431% | 2,873 |
| Tier 1 risk-based capital ratio | 17.9046% | 2,144 |
| Total risk-based capital ratio | 18.5088% | 2,364 |
| Memoranda: | ||
| Average total assets | $124,308,000 | 4,368 |
| Average earning assets | $109,896,000 | 4,474 |
| Average equity | $12,925,500 | 4,355 |
| Average total loans | $87,945,000 | 4,017 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 4,516 |
| Cost of funding earning assets | 2.2898% | 219 |
| Net interest margin | 2.7195% | 7,106 |
| Noninterest income to average assets | 0.4363% | 4,624 |
| Noninterest expense to average assets | 2.5381% | 5,654 |
| Loan and lease loss provision to assets | 0.1561% | 5,648 |
| Net operating income to assets | 0.2365% | 5,151 |
| Return on assets (ROA) | 0.2373% | 5,304 |
| Pretax return on assets | 0.2373% | 5,388 |
| Return on Equity (ROE) | 2.3424% | 5,243 |
| Retained earnings to average equity (ytd only) | -1.0941% | 5,818 |
| Net charge-offs to loans | 0.1683% | 5,322 |
| Credit loss provision to net charge-offs | 127.3885% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.2038% | 3,477 |
| Efficiency ratio | 86.6045% | 1,612 |
| Assets per employee ($millions) | 3.9701% | 3,850 |
| Cash dividends to net income (ytd only)* | 146.7105% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5231% | 7,339 |
| Loan loss allowance to noncurrent loans | 18.7675% | 6,857 |
| Noncurrent assets plus other real estate owned to assets | 2.8747% | 2,436 |
| Noncurrent loans to loans | 2.7874% | 2,733 |
| Net loans and leases to total assets | 72.4635% | 1,993 |
| Net loans and leases to deposits | 108.5031% | 261 |
| Net loans and leases to core deposits | 162.6804% | 133 |
| Total domestic deposits to total assets | 66.7848% | 7,366 |
| Equity capital to assets | 10.5076% | 3,145 |
| Core capital (leverage) ratio | 9.8662% | 3,247 |
| Tier 1 risk-based capital ratio | 17.6507% | 2,109 |
| Total risk-based capital ratio | 18.3048% | 2,293 |
| Memoranda: | ||
| Average total assets | $128,125,400 | 4,314 |
| Average earning assets | $117,523,000 | 4,282 |
| Average equity | $12,978,200 | 4,365 |
| Average total loans | $93,263,400 | 3,974 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9735% | 4,933 |
| Cost of funding earning assets | 2.3281% | 248 |
| Net interest margin | 2.6455% | 7,276 |
| Noninterest income to average assets | 0.4039% | 4,931 |
| Noninterest expense to average assets | 2.5164% | 5,654 |
| Loan and lease loss provision to assets | 0.1525% | 5,517 |
| Net operating income to assets | 0.1741% | 5,576 |
| Return on assets (ROA) | 0.1752% | 5,742 |
| Pretax return on assets | 0.1752% | 5,779 |
| Return on Equity (ROE) | 1.7449% | 5,690 |
| Retained earnings to average equity (ytd only) | -1.9297% | 6,186 |
| Net charge-offs to loans | 0.0510% | 6,015 |
| Credit loss provision to net charge-offs | 411.1111% | 729 |
| Earnings coverage of net charge-offs (x) | 8.8054% | 2,109 |
| Efficiency ratio | 88.5103% | 1,411 |
| Assets per employee ($millions) | 4.2633% | 3,328 |
| Cash dividends to net income (ytd only)* | 210.5885% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6009% | 7,350 |
| Loan loss allowance to noncurrent loans | 20.7082% | 6,876 |
| Noncurrent assets plus other real estate owned to assets | 2.8116% | 2,583 |
| Noncurrent loans to loans | 2.9019% | 2,753 |
| Net loans and leases to total assets | 69.5791% | 2,833 |
| Net loans and leases to deposits | 109.9007% | 256 |
| Net loans and leases to core deposits | 159.4764% | 152 |
| Total domestic deposits to total assets | 63.3109% | 7,537 |
| Equity capital to assets | 10.1314% | 3,975 |
| Core capital (leverage) ratio | 9.8318% | 3,449 |
| Tier 1 risk-based capital ratio | 16.6753% | 2,471 |
| Total risk-based capital ratio | 17.3866% | 2,649 |
| Memoranda: | ||
| Average total assets | $129,388,500 | 4,340 |
| Average earning assets | $119,295,000 | 4,303 |
| Average equity | $12,989,750 | 4,444 |
| Average total loans | $94,166,250 | 4,014 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9000% | 5,382 |
| Cost of funding earning assets | 2.3248% | 312 |
| Net interest margin | 2.5752% | 7,370 |
| Noninterest income to average assets | 0.3357% | 5,467 |
| Noninterest expense to average assets | 2.4945% | 5,735 |
| Loan and lease loss provision to assets | 0.0724% | 6,221 |
| Net operating income to assets | 0.1601% | 5,692 |
| Return on assets (ROA) | 0.1617% | 5,808 |
| Pretax return on assets | 0.1617% | 5,859 |
| Return on Equity (ROE) | 1.6153% | 5,753 |
| Retained earnings to average equity (ytd only) | -1.8769% | 6,126 |
| Net charge-offs to loans | 0.0878% | 5,261 |
| Credit loss provision to net charge-offs | 111.9048% | 3,627 |
| Earnings coverage of net charge-offs (x) | 3.5952% | 3,252 |
| Efficiency ratio | 91.4737% | 1,220 |
| Assets per employee ($millions) | 3.8751% | 4,048 |
| Cash dividends to net income (ytd only)* | 216.1905% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4600% | 7,552 |
| Loan loss allowance to noncurrent loans | 14.6898% | 7,155 |
| Noncurrent assets plus other real estate owned to assets | 3.0529% | 2,334 |
| Noncurrent loans to loans | 3.1312% | 2,563 |
| Net loans and leases to total assets | 72.9367% | 2,184 |
| Net loans and leases to deposits | 122.9550% | 104 |
| Net loans and leases to core deposits | 164.5322% | 152 |
| Total domestic deposits to total assets | 59.3198% | 7,668 |
| Equity capital to assets | 10.1597% | 3,822 |
| Core capital (leverage) ratio | 9.8822% | 3,299 |
| Tier 1 risk-based capital ratio | 17.4485% | 2,119 |
| Total risk-based capital ratio | 18.0430% | 2,316 |
| Memoranda: | ||
| Average total assets | $129,885,000 | 4,357 |
| Average earning assets | $120,613,000 | 4,296 |
| Average equity | $13,000,330 | 4,440 |
| Average total loans | $95,712,000 | 4,022 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0418% | 4,825 |
| Cost of funding earning assets | 2.3612% | 346 |
| Net interest margin | 2.6806% | 7,319 |
| Noninterest income to average assets | 0.2842% | 5,867 |
| Noninterest expense to average assets | 2.4662% | 5,852 |
| Loan and lease loss provision to assets | 0.0183% | 6,454 |
| Net operating income to assets | 0.2873% | 5,343 |
| Return on assets (ROA) | 0.2903% | 5,466 |
| Pretax return on assets | 0.2903% | 5,635 |
| Return on Equity (ROE) | 2.9221% | 5,368 |
| Retained earnings to average equity (ytd only) | -0.4306% | 5,930 |
| Net charge-offs to loans | 0.1199% | 4,256 |
| Credit loss provision to net charge-offs | 20.6897% | 4,940 |
| Earnings coverage of net charge-offs (x) | 3.4483% | 2,907 |
| Efficiency ratio | 88.9746% | 1,510 |
| Assets per employee ($millions) | 4.1018% | 3,637 |
| Cash dividends to net income (ytd only)* | 114.7368% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4214% | 7,674 |
| Loan loss allowance to noncurrent loans | 16.9970% | 7,151 |
| Noncurrent assets plus other real estate owned to assets | 2.8806% | 2,498 |
| Noncurrent loans to loans | 2.4791% | 3,190 |
| Net loans and leases to total assets | 72.5567% | 2,312 |
| Net loans and leases to deposits | 123.2273% | 113 |
| Net loans and leases to core deposits | 179.2963% | 129 |
| Total domestic deposits to total assets | 58.8804% | 7,771 |
| Equity capital to assets | 9.9058% | 3,981 |
| Core capital (leverage) ratio | 9.8515% | 3,339 |
| Tier 1 risk-based capital ratio | 17.1435% | 2,222 |
| Total risk-based capital ratio | 17.6838% | 2,432 |
| Memoranda: | ||
| Average total assets | $130,888,500 | 4,388 |
| Average earning assets | $121,464,500 | 4,339 |
| Average equity | $13,004,500 | 4,472 |
| Average total loans | $96,717,500 | 4,056 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5075% | 4,105 |
| Cost of funding earning assets | 2.4462% | 1,171 |
| Net interest margin | 3.0614% | 6,487 |
| Noninterest income to average assets | 0.5293% | 4,184 |
| Noninterest expense to average assets | 2.5065% | 6,102 |
| Loan and lease loss provision to assets | 0.3106% | 4,961 |
| Net operating income to assets | 0.5555% | 3,504 |
| Return on assets (ROA) | 0.5349% | 3,683 |
| Pretax return on assets | 0.5349% | 4,095 |
| Return on Equity (ROE) | 5.2087% | 3,578 |
| Retained earnings to average equity (ytd only) | 0.7794% | 4,464 |
| Net charge-offs to loans | 0.3360% | 4,553 |
| Credit loss provision to net charge-offs | 114.6199% | 4,775 |
| Earnings coverage of net charge-offs (x) | 3.1959% | 3,458 |
| Efficiency ratio | 74.3186% | 3,831 |
| Assets per employee ($millions) | 4.0788% | 3,658 |
| Cash dividends to net income (ytd only)* | 85.0370% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4356% | 7,726 |
| Loan loss allowance to noncurrent loans | 38.0697% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 1.8464% | 3,601 |
| Noncurrent loans to loans | 1.1442% | 5,043 |
| Net loans and leases to total assets | 74.6018% | 2,119 |
| Net loans and leases to deposits | 128.0002% | 103 |
| Net loans and leases to core deposits | 170.7245% | 228 |
| Total domestic deposits to total assets | 58.2826% | 7,828 |
| Equity capital to assets | 9.9654% | 3,806 |
| Core capital (leverage) ratio | 10.0771% | 3,015 |
| Tier 1 risk-based capital ratio | 16.9678% | 2,154 |
| Total risk-based capital ratio | 17.5324% | 2,344 |
| Memoranda: | ||
| Average total assets | $126,193,800 | 4,424 |
| Average earning assets | $117,203,000 | 4,372 |
| Average equity | $12,959,000 | 4,518 |
| Average total loans | $101,775,200 | 3,902 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6156% | 3,771 |
| Cost of funding earning assets | 2.4544% | 1,431 |
| Net interest margin | 3.1612% | 6,138 |
| Noninterest income to average assets | 0.5755% | 3,884 |
| Noninterest expense to average assets | 2.5438% | 5,920 |
| Loan and lease loss provision to assets | 0.3858% | 4,006 |
| Net operating income to assets | 0.5819% | 3,669 |
| Return on assets (ROA) | 0.5542% | 3,861 |
| Pretax return on assets | 0.5542% | 4,351 |
| Return on Equity (ROE) | 5.3551% | 3,810 |
| Retained earnings to average equity (ytd only) | 1.0607% | 4,725 |
| Net charge-offs to loans | 0.4463% | 3,444 |
| Credit loss provision to net charge-offs | 105.2326% | 4,827 |
| Earnings coverage of net charge-offs (x) | 2.6395% | 3,901 |
| Efficiency ratio | 72.4431% | 4,161 |
| Assets per employee ($millions) | 3.9010% | 3,937 |
| Cash dividends to net income (ytd only)* | 80.1924% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3968% | 7,822 |
| Loan loss allowance to noncurrent loans | 39.5186% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 1.8649% | 3,562 |
| Noncurrent loans to loans | 1.0040% | 5,298 |
| Net loans and leases to total assets | 79.2305% | 1,339 |
| Net loans and leases to deposits | 132.5538% | 95 |
| Net loans and leases to core deposits | 167.8917% | 286 |
| Total domestic deposits to total assets | 59.7723% | 7,880 |
| Equity capital to assets | 10.4268% | 3,588 |
| Core capital (leverage) ratio | 10.0120% | 3,265 |
| Tier 1 risk-based capital ratio | 17.0887% | 2,249 |
| Total risk-based capital ratio | 17.6146% | 2,430 |
| Memoranda: | ||
| Average total assets | $125,112,000 | 4,475 |
| Average earning assets | $116,196,750 | 4,423 |
| Average equity | $12,947,000 | 4,553 |
| Average total loans | $102,769,750 | 3,912 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6407% | 3,861 |
| Cost of funding earning assets | 2.4334% | 1,833 |
| Net interest margin | 3.2073% | 5,890 |
| Noninterest income to average assets | 0.5080% | 4,377 |
| Noninterest expense to average assets | 2.5542% | 5,928 |
| Loan and lease loss provision to assets | 0.2508% | 4,565 |
| Net operating income to assets | 0.6821% | 3,331 |
| Return on assets (ROA) | 0.6405% | 3,607 |
| Pretax return on assets | 0.6405% | 4,193 |
| Return on Equity (ROE) | 6.2055% | 3,557 |
| Retained earnings to average equity (ytd only) | 1.4237% | 4,534 |
| Net charge-offs to loans | 0.4811% | 2,907 |
| Credit loss provision to net charge-offs | 62.8000% | 5,546 |
| Earnings coverage of net charge-offs (x) | 2.3360% | 3,896 |
| Efficiency ratio | 73.2478% | 4,151 |
| Assets per employee ($millions) | 3.8551% | 3,972 |
| Cash dividends to net income (ytd only)* | 77.0574% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2746% | 8,009 |
| Loan loss allowance to noncurrent loans | 58.2305% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.7458% | 3,560 |
| Noncurrent loans to loans | 0.4715% | 6,345 |
| Net loans and leases to total assets | 80.7966% | 1,173 |
| Net loans and leases to deposits | 135.6781% | 93 |
| Net loans and leases to core deposits | 176.6646% | 254 |
| Total domestic deposits to total assets | 59.5502% | 7,945 |
| Equity capital to assets | 10.1818% | 3,741 |
| Core capital (leverage) ratio | 10.1000% | 3,190 |
| Tier 1 risk-based capital ratio | 16.2609% | 2,533 |
| Total risk-based capital ratio | 16.6207% | 2,797 |
| Memoranda: | ||
| Average total assets | $125,205,330 | 4,503 |
| Average earning assets | $116,296,670 | 4,455 |
| Average equity | $12,924,000 | 4,565 |
| Average total loans | $103,926,670 | 3,911 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7449% | 3,560 |
| Cost of funding earning assets | 2.4438% | 2,126 |
| Net interest margin | 3.3011% | 5,497 |
| Noninterest income to average assets | 0.4831% | 4,474 |
| Noninterest expense to average assets | 2.3414% | 6,399 |
| Loan and lease loss provision to assets | 0.2222% | 4,227 |
| Net operating income to assets | 0.9952% | 2,327 |
| Return on assets (ROA) | 0.9114% | 2,798 |
| Pretax return on assets | 0.9114% | 3,675 |
| Return on Equity (ROE) | 8.7687% | 2,810 |
| Retained earnings to average equity (ytd only) | 3.3774% | 4,004 |
| Net charge-offs to loans | 0.0537% | 4,718 |
| Credit loss provision to net charge-offs | 492.8571% | 1,103 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,152 |
| Efficiency ratio | 65.7919% | 5,366 |
| Assets per employee ($millions) | 3.8137% | 4,056 |
| Cash dividends to net income (ytd only)* | 61.4841% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4072% | 7,938 |
| Loan loss allowance to noncurrent loans | 37.8735% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 1.2340% | 4,216 |
| Noncurrent loans to loans | 1.0753% | 4,829 |
| Net loans and leases to total assets | 83.7506% | 728 |
| Net loans and leases to deposits | 148.6447% | 66 |
| Net loans and leases to core deposits | 184.5256% | 208 |
| Total domestic deposits to total assets | 56.3428% | 8,038 |
| Equity capital to assets | 10.2995% | 3,655 |
| Core capital (leverage) ratio | 10.3702% | 3,050 |
| Tier 1 risk-based capital ratio | 16.1405% | 2,639 |
| Total risk-based capital ratio | 16.6835% | 2,812 |
| Memoranda: | ||
| Average total assets | $124,199,500 | 4,537 |
| Average earning assets | $115,720,500 | 4,487 |
| Average equity | $12,909,500 | 4,603 |
| Average total loans | $104,355,000 | 3,924 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9421% | 5,841 |
| Cost of funding earning assets | 2.7879% | 2,760 |
| Net interest margin | 3.1541% | 6,510 |
| Noninterest income to average assets | 0.3052% | 6,270 |
| Noninterest expense to average assets | 2.3525% | 6,561 |
| Loan and lease loss provision to assets | 0.0882% | 6,274 |
| Net operating income to assets | 0.8071% | 3,411 |
| Return on assets (ROA) | 0.8014% | 3,265 |
| Pretax return on assets | 0.8014% | 4,063 |
| Return on Equity (ROE) | 7.9192% | 3,108 |
| Retained earnings to average equity (ytd only) | 2.5198% | 3,633 |
| Net charge-offs to loans | 0.0969% | 5,359 |
| Credit loss provision to net charge-offs | 109.0000% | 4,939 |
| Earnings coverage of net charge-offs (x) | 11.0600% | 2,417 |
| Efficiency ratio | 72.4327% | 3,856 |
| Assets per employee ($millions) | 3.7136% | 4,147 |
| Cash dividends to net income (ytd only)* | 68.1818% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3655% | 8,031 |
| Loan loss allowance to noncurrent loans | 39.1667% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 1.1220% | 4,031 |
| Noncurrent loans to loans | 0.9331% | 4,745 |
| Net loans and leases to total assets | 83.6423% | 945 |
| Net loans and leases to deposits | 146.8110% | 84 |
| Net loans and leases to core deposits | 183.0458% | 259 |
| Total domestic deposits to total assets | 56.9728% | 8,039 |
| Equity capital to assets | 10.4914% | 3,515 |
| Core capital (leverage) ratio | 10.2747% | 3,194 |
| Tier 1 risk-based capital ratio | 16.3322% | 2,545 |
| Total risk-based capital ratio | 16.8156% | 2,754 |
| Memoranda: | ||
| Average total assets | $123,526,600 | 4,432 |
| Average earning assets | $115,246,400 | 4,377 |
| Average equity | $12,501,200 | 4,696 |
| Average total loans | $103,219,600 | 3,870 |