Home > Mazon State Bank > Performance and Condition Ratios
Mazon State Bank, Performance and Condition Ratios
| 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 | 3.0411% | 5,610 |
| Cost of funding earning assets | 0.1134% | 5,789 |
| Net interest margin | 2.9277% | 5,214 |
| Noninterest income to average assets | 0.7908% | 1,751 |
| Noninterest expense to average assets | 3.7838% | 789 |
| Loan and lease loss provision to assets | 0.1486% | 1,548 |
| Net operating income to assets | -0.4817% | 5,917 |
| Return on assets (ROA) | -0.3594% | 5,904 |
| Pretax return on assets | -0.3594% | 5,896 |
| Return on Equity (ROE) | -3.9264% | 5,914 |
| Retained earnings to average equity (ytd only) | -3.9264% | 5,691 |
| Net charge-offs to loans | 0.2637% | 915 |
| Credit loss provision to net charge-offs | 144.1860% | 1,641 |
| Earnings coverage of net charge-offs (x) | -3.2326% | 3,616 |
| Efficiency ratio | 109.6528% | 146 |
| Assets per employee ($millions) | 3.1417% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6866% | 5,542 |
| Loan loss allowance to noncurrent loans | 37.9019% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 2,780 |
| Noncurrent loans to loans | 1.8115% | 1,137 |
| Net loans and leases to total assets | 39.6655% | 5,438 |
| Net loans and leases to deposits | 44.3514% | 5,548 |
| Net loans and leases to core deposits | 44.3514% | 5,615 |
| Total domestic deposits to total assets | 89.4348% | 716 |
| Equity capital to assets | 9.4683% | 4,799 |
| Core capital (leverage) ratio | 8.8712% | 4,975 |
| Tier 1 risk-based capital ratio | 14.1915% | 3,500 |
| Total risk-based capital ratio | 14.6184% | 3,892 |
| Memoranda: | ||
| Average total assets | $83,461,330 | 4,732 |
| Average earning assets | $75,828,670 | 4,760 |
| Average equity | $7,640,670 | 5,082 |
| Average total loans | $32,609,670 | 5,213 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9679% | 5,718 |
| Cost of funding earning assets | 0.1351% | 5,716 |
| Net interest margin | 2.8328% | 5,423 |
| Noninterest income to average assets | 0.7445% | 1,838 |
| Noninterest expense to average assets | 3.1203% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2087% | 5,512 |
| Return on assets (ROA) | 0.4505% | 4,912 |
| Pretax return on assets | 0.4505% | 5,212 |
| Return on Equity (ROE) | 5.0040% | 4,482 |
| Retained earnings to average equity (ytd only) | 5.0040% | 2,941 |
| Net charge-offs to loans | 0.4540% | 501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.1892% | 2,852 |
| Efficiency ratio | 93.7322% | 464 |
| Assets per employee ($millions) | 3.0040% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5219% | 5,843 |
| Loan loss allowance to noncurrent loans | 42.3174% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 3,709 |
| Noncurrent loans to loans | 1.2334% | 1,960 |
| Net loans and leases to total assets | 38.0687% | 5,557 |
| Net loans and leases to deposits | 42.6575% | 5,637 |
| Net loans and leases to core deposits | 42.8298% | 5,691 |
| Total domestic deposits to total assets | 89.2428% | 974 |
| Equity capital to assets | 9.2283% | 4,960 |
| Core capital (leverage) ratio | 9.0962% | 4,739 |
| Tier 1 risk-based capital ratio | 14.4042% | 3,441 |
| Total risk-based capital ratio | 14.7188% | 3,922 |
| Memoranda: | ||
| Average total assets | $84,350,500 | 4,760 |
| Average earning assets | $76,956,500 | 4,771 |
| Average equity | $7,594,000 | 5,123 |
| Average total loans | $32,602,500 | 5,252 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9540% | 5,770 |
| Cost of funding earning assets | 0.1338% | 5,791 |
| Net interest margin | 2.8203% | 5,476 |
| Noninterest income to average assets | 0.8822% | 1,493 |
| Noninterest expense to average assets | 3.2721% | 1,783 |
| Loan and lease loss provision to assets | 0.0265% | 3,861 |
| Net operating income to assets | 0.1578% | 5,665 |
| Return on assets (ROA) | 0.1854% | 5,657 |
| Pretax return on assets | 0.1854% | 5,699 |
| Return on Equity (ROE) | 2.1781% | 5,529 |
| Retained earnings to average equity (ytd only) | 1.5017% | 4,866 |
| Net charge-offs to loans | 0.1037% | 2,367 |
| Credit loss provision to net charge-offs | 65.7143% | 3,189 |
| Earnings coverage of net charge-offs (x) | 4.5714% | 3,523 |
| Efficiency ratio | 94.6684% | 454 |
| Assets per employee ($millions) | 3.0211% | 5,506 |
| Cash dividends to net income (ytd only)* | 31.0559% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6209% | 5,770 |
| Loan loss allowance to noncurrent loans | 60.1173% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 3,986 |
| Noncurrent loans to loans | 1.0328% | 2,269 |
| Net loans and leases to total assets | 38.7895% | 5,589 |
| Net loans and leases to deposits | 44.4029% | 5,640 |
| Net loans and leases to core deposits | 44.5846% | 5,697 |
| Total domestic deposits to total assets | 87.3578% | 1,949 |
| Equity capital to assets | 8.7788% | 5,325 |
| Core capital (leverage) ratio | 8.8708% | 5,038 |
| Tier 1 risk-based capital ratio | 14.1418% | 3,642 |
| Total risk-based capital ratio | 14.5235% | 4,068 |
| Memoranda: | ||
| Average total assets | $86,824,600 | 4,731 |
| Average earning assets | $79,247,800 | 4,736 |
| Average equity | $7,391,800 | 5,170 |
| Average total loans | $33,745,200 | 5,237 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9735% | 5,829 |
| Cost of funding earning assets | 0.1404% | 5,844 |
| Net interest margin | 2.8331% | 5,527 |
| Noninterest income to average assets | 0.9872% | 1,214 |
| Noninterest expense to average assets | 3.2652% | 1,791 |
| Loan and lease loss provision to assets | 0.0214% | 3,846 |
| Net operating income to assets | 0.2869% | 5,494 |
| Return on assets (ROA) | 0.3235% | 5,471 |
| Pretax return on assets | 0.3235% | 5,612 |
| Return on Equity (ROE) | 3.8284% | 5,098 |
| Retained earnings to average equity (ytd only) | 2.9254% | 4,368 |
| Net charge-offs to loans | 0.1297% | 1,841 |
| Credit loss provision to net charge-offs | 42.4242% | 3,135 |
| Earnings coverage of net charge-offs (x) | 6.1211% | 3,098 |
| Efficiency ratio | 91.3749% | 602 |
| Assets per employee ($millions) | 3.0034% | 5,542 |
| Cash dividends to net income (ytd only)* | 23.5866% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5920% | 5,907 |
| Loan loss allowance to noncurrent loans | 286.9565% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 5,207 |
| Noncurrent loans to loans | 0.2063% | 4,824 |
| Net loans and leases to total assets | 38.1704% | 5,691 |
| Net loans and leases to deposits | 45.3091% | 5,677 |
| Net loans and leases to core deposits | 45.4957% | 5,747 |
| Total domestic deposits to total assets | 84.2444% | 3,323 |
| Equity capital to assets | 8.7142% | 5,568 |
| Core capital (leverage) ratio | 8.7860% | 5,245 |
| Tier 1 risk-based capital ratio | 14.2087% | 3,721 |
| Total risk-based capital ratio | 14.5766% | 4,161 |
| Memoranda: | ||
| Average total assets | $87,383,250 | 4,779 |
| Average earning assets | $79,770,500 | 4,786 |
| Average equity | $7,383,250 | 5,238 |
| Average total loans | $33,927,250 | 5,288 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9138% | 5,934 |
| Cost of funding earning assets | 0.1673% | 5,720 |
| Net interest margin | 2.7465% | 5,710 |
| Noninterest income to average assets | 0.8917% | 1,471 |
| Noninterest expense to average assets | 3.2763% | 1,772 |
| Loan and lease loss provision to assets | 0.0320% | 3,477 |
| Net operating income to assets | 0.0983% | 5,878 |
| Return on assets (ROA) | 0.1166% | 5,901 |
| Pretax return on assets | 0.1166% | 5,918 |
| Return on Equity (ROE) | 1.3945% | 5,819 |
| Retained earnings to average equity (ytd only) | 0.0273% | 5,492 |
| Net charge-offs to loans | 0.2053% | 1,226 |
| Credit loss provision to net charge-offs | 40.0000% | 2,810 |
| Earnings coverage of net charge-offs (x) | 1.6286% | 3,481 |
| Efficiency ratio | 96.1745% | 434 |
| Assets per employee ($millions) | 2.8873% | 5,725 |
| Cash dividends to net income (ytd only)* | 98.0392% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5834% | 5,997 |
| Loan loss allowance to noncurrent loans | 284.0580% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 5,305 |
| Noncurrent loans to loans | 0.2054% | 4,948 |
| Net loans and leases to total assets | 38.5592% | 5,711 |
| Net loans and leases to deposits | 43.8522% | 5,774 |
| Net loans and leases to core deposits | 44.0262% | 5,834 |
| Total domestic deposits to total assets | 87.9300% | 1,686 |
| Equity capital to assets | 8.3076% | 5,826 |
| Core capital (leverage) ratio | 8.4117% | 5,623 |
| Tier 1 risk-based capital ratio | 13.8490% | 4,009 |
| Total risk-based capital ratio | 14.2115% | 4,453 |
| Memoranda: | ||
| Average total assets | $87,478,000 | 4,826 |
| Average earning assets | $80,102,670 | 4,827 |
| Average equity | $7,314,330 | 5,295 |
| Average total loans | $34,088,330 | 5,322 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4161% | 6,256 |
| Cost of funding earning assets | 0.1893% | 5,603 |
| Net interest margin | 2.2268% | 6,192 |
| Noninterest income to average assets | 1.0784% | 972 |
| Noninterest expense to average assets | 3.4081% | 1,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2958% | 6,186 |
| Return on assets (ROA) | 0.2184% | 5,725 |
| Pretax return on assets | 0.2184% | 5,804 |
| Return on Equity (ROE) | 2.6039% | 5,507 |
| Retained earnings to average equity (ytd only) | 1.2477% | 4,989 |
| Net charge-offs to loans | 0.1864% | 1,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -4.0625% | 3,226 |
| Efficiency ratio | 109.5029% | 198 |
| Assets per employee ($millions) | 3.0028% | 5,659 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6077% | 6,055 |
| Loan loss allowance to noncurrent loans | 141.5493% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 3,762 |
| Noncurrent loans to loans | 0.4293% | 4,309 |
| Net loans and leases to total assets | 37.7499% | 5,733 |
| Net loans and leases to deposits | 41.7371% | 5,848 |
| Net loans and leases to core deposits | 41.8967% | 5,915 |
| Total domestic deposits to total assets | 90.4468% | 545 |
| Equity capital to assets | 8.7895% | 5,510 |
| Core capital (leverage) ratio | 8.1741% | 5,830 |
| Tier 1 risk-based capital ratio | 14.0306% | 3,981 |
| Total risk-based capital ratio | 14.4238% | 4,425 |
| Memoranda: | ||
| Average total assets | $87,907,000 | 4,865 |
| Average earning assets | $80,295,000 | 4,859 |
| Average equity | $7,373,500 | 5,330 |
| Average total loans | $34,334,500 | 5,358 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0516% | 6,010 |
| Cost of funding earning assets | 0.2478% | 5,351 |
| Net interest margin | 2.8038% | 5,800 |
| Noninterest income to average assets | 0.9447% | 1,364 |
| Noninterest expense to average assets | 3.3271% | 1,859 |
| Loan and lease loss provision to assets | 0.0081% | 4,464 |
| Net operating income to assets | 0.1571% | 5,854 |
| Return on assets (ROA) | 0.3476% | 5,452 |
| Pretax return on assets | 0.3476% | 5,602 |
| Return on Equity (ROE) | 4.2500% | 5,000 |
| Retained earnings to average equity (ytd only) | 4.2500% | 3,164 |
| Net charge-offs to loans | 0.5000% | 819 |
| Credit loss provision to net charge-offs | 4.0698% | 4,166 |
| Earnings coverage of net charge-offs (x) | 0.8314% | 4,558 |
| Efficiency ratio | 95.2712% | 534 |
| Assets per employee ($millions) | 2.6889% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6096% | 6,129 |
| Loan loss allowance to noncurrent loans | 40.2597% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 3,590 |
| Noncurrent loans to loans | 1.5143% | 1,938 |
| Net loans and leases to total assets | 39.8702% | 5,753 |
| Net loans and leases to deposits | 47.1870% | 5,734 |
| Net loans and leases to core deposits | 47.3766% | 5,841 |
| Total domestic deposits to total assets | 84.4939% | 3,510 |
| Equity capital to assets | 7.9936% | 6,075 |
| Core capital (leverage) ratio | 8.5154% | 5,550 |
| Tier 1 risk-based capital ratio | 12.9021% | 4,796 |
| Total risk-based capital ratio | 13.2769% | 5,252 |
| Memoranda: | ||
| Average total assets | $86,592,600 | 4,914 |
| Average earning assets | $78,679,600 | 4,909 |
| Average equity | $7,082,400 | 5,395 |
| Average total loans | $34,399,800 | 5,384 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0727% | 6,063 |
| Cost of funding earning assets | 0.2566% | 5,337 |
| Net interest margin | 2.8161% | 5,852 |
| Noninterest income to average assets | 1.1202% | 968 |
| Noninterest expense to average assets | 3.6269% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0434% | 6,095 |
| Return on assets (ROA) | 0.2990% | 5,660 |
| Pretax return on assets | 0.2990% | 5,775 |
| Return on Equity (ROE) | 3.6347% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.6347% | 4,061 |
| Net charge-offs to loans | 0.3832% | 1,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.2857% | 4,410 |
| Efficiency ratio | 98.8181% | 407 |
| Assets per employee ($millions) | 2.4202% | 6,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8389% | 5,775 |
| Loan loss allowance to noncurrent loans | 75.5319% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 3,068 |
| Noncurrent loans to loans | 1.1106% | 2,847 |
| Net loans and leases to total assets | 38.5307% | 5,911 |
| Net loans and leases to deposits | 42.8633% | 6,021 |
| Net loans and leases to core deposits | 42.8633% | 6,089 |
| Total domestic deposits to total assets | 89.8919% | 789 |
| Equity capital to assets | 8.0904% | 6,087 |
| Core capital (leverage) ratio | 8.5686% | 5,583 |
| Tier 1 risk-based capital ratio | 13.2688% | 4,683 |
| Total risk-based capital ratio | 13.7732% | 5,091 |
| Memoranda: | ||
| Average total assets | $86,057,500 | 4,976 |
| Average earning assets | $77,931,500 | 4,982 |
| Average equity | $7,079,750 | 5,446 |
| Average total loans | $34,101,000 | 5,448 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2594% | 5,858 |
| Cost of funding earning assets | 0.2609% | 5,377 |
| Net interest margin | 2.9985% | 5,534 |
| Noninterest income to average assets | 0.9568% | 1,313 |
| Noninterest expense to average assets | 3.5449% | 1,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1214% | 6,006 |
| Return on assets (ROA) | 0.1214% | 6,046 |
| Pretax return on assets | 0.1214% | 6,064 |
| Return on Equity (ROE) | 1.4669% | 5,959 |
| Retained earnings to average equity (ytd only) | 1.4669% | 5,158 |
| Net charge-offs to loans | 0.4681% | 866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.6500% | 4,005 |
| Efficiency ratio | 96.6900% | 524 |
| Assets per employee ($millions) | 2.4283% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 5,765 |
| Loan loss allowance to noncurrent loans | 83.4254% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 0.9758% | 3,116 |
| Noncurrent loans to loans | 1.0604% | 3,108 |
| Net loans and leases to total assets | 38.7076% | 5,911 |
| Net loans and leases to deposits | 43.8002% | 5,995 |
| Net loans and leases to core deposits | 43.8002% | 6,072 |
| Total domestic deposits to total assets | 88.3730% | 1,698 |
| Equity capital to assets | 8.3371% | 5,926 |
| Core capital (leverage) ratio | 8.5334% | 5,599 |
| Tier 1 risk-based capital ratio | 12.1024% | 5,482 |
| Total risk-based capital ratio | 12.6009% | 5,826 |
| Memoranda: | ||
| Average total assets | $85,700,670 | 5,029 |
| Average earning assets | $77,438,330 | 5,033 |
| Average equity | $7,090,000 | 5,468 |
| Average total loans | $34,183,000 | 5,482 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1864% | 6,022 |
| Cost of funding earning assets | 0.2682% | 5,404 |
| Net interest margin | 2.9183% | 5,713 |
| Noninterest income to average assets | 0.9854% | 1,163 |
| Noninterest expense to average assets | 3.3851% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2169% | 5,754 |
| Return on assets (ROA) | 0.2169% | 5,805 |
| Pretax return on assets | 0.2169% | 5,894 |
| Return on Equity (ROE) | 2.6320% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.6320% | 4,496 |
| Net charge-offs to loans | 0.0936% | 2,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,336 |
| Efficiency ratio | 93.9791% | 753 |
| Assets per employee ($millions) | 2.4656% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 4,976 |
| Loan loss allowance to noncurrent loans | 120.2572% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.2202% | 2,823 |
| Noncurrent loans to loans | 0.9408% | 3,538 |
| Net loans and leases to total assets | 37.8736% | 5,951 |
| Net loans and leases to deposits | 42.3602% | 6,058 |
| Net loans and leases to core deposits | 42.3602% | 6,145 |
| Total domestic deposits to total assets | 89.4084% | 1,417 |
| Equity capital to assets | 8.2554% | 5,861 |
| Core capital (leverage) ratio | 8.6981% | 5,384 |
| Tier 1 risk-based capital ratio | 12.1768% | 5,525 |
| Total risk-based capital ratio | 12.7983% | 5,839 |
| Memoranda: | ||
| Average total assets | $84,842,500 | 5,094 |
| Average earning assets | $76,072,500 | 5,111 |
| Average equity | $6,991,000 | 5,525 |
| Average total loans | $34,205,000 | 5,533 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2968% | 6,005 |
| Cost of funding earning assets | 0.3280% | 5,345 |
| Net interest margin | 2.9688% | 5,645 |
| Noninterest income to average assets | 0.8258% | 1,957 |
| Noninterest expense to average assets | 3.2184% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2905% | 5,557 |
| Return on assets (ROA) | 0.2905% | 5,650 |
| Pretax return on assets | 0.2905% | 5,759 |
| Return on Equity (ROE) | 3.4319% | 5,353 |
| Retained earnings to average equity (ytd only) | 2.8761% | 4,204 |
| Net charge-offs to loans | 0.1668% | 3,146 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.1167% | 3,669 |
| Efficiency ratio | 91.7197% | 893 |
| Assets per employee ($millions) | 2.3826% | 6,470 |
| Cash dividends to net income (ytd only)* | 16.1943% | 3,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 5,240 |
| Loan loss allowance to noncurrent loans | 96.7089% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.7759% | 3,950 |
| Noncurrent loans to loans | 1.1173% | 3,301 |
| Net loans and leases to total assets | 41.9367% | 5,831 |
| Net loans and leases to deposits | 48.4584% | 5,867 |
| Net loans and leases to core deposits | 48.4584% | 6,008 |
| Total domestic deposits to total assets | 86.5416% | 2,975 |
| Equity capital to assets | 8.2240% | 5,850 |
| Core capital (leverage) ratio | 8.6302% | 5,502 |
| Tier 1 risk-based capital ratio | 12.7294% | 5,154 |
| Total risk-based capital ratio | 13.3976% | 5,463 |
| Memoranda: | ||
| Average total assets | $85,011,800 | 5,115 |
| Average earning assets | $76,833,200 | 5,120 |
| Average equity | $7,197,200 | 5,521 |
| Average total loans | $35,960,600 | 5,496 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2823% | 6,085 |
| Cost of funding earning assets | 0.3387% | 5,396 |
| Net interest margin | 2.9436% | 5,709 |
| Noninterest income to average assets | 0.8117% | 2,090 |
| Noninterest expense to average assets | 3.0735% | 2,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3590% | 5,407 |
| Return on assets (ROA) | 0.3590% | 5,539 |
| Pretax return on assets | 0.4105% | 5,600 |
| Return on Equity (ROE) | 4.2112% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.4789% | 4,213 |
| Net charge-offs to loans | 0.1218% | 3,326 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 7.9695% | 2,694 |
| Efficiency ratio | 88.2168% | 1,148 |
| Assets per employee ($millions) | 2.7552% | 6,211 |
| Cash dividends to net income (ytd only)* | 17.3906% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 5,162 |
| Loan loss allowance to noncurrent loans | 67.1593% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 4,147 |
| Noncurrent loans to loans | 1.6978% | 2,646 |
| Net loans and leases to total assets | 41.5169% | 5,934 |
| Net loans and leases to deposits | 48.6981% | 5,920 |
| Net loans and leases to core deposits | 48.6981% | 6,087 |
| Total domestic deposits to total assets | 85.2537% | 3,608 |
| Equity capital to assets | 7.9638% | 6,171 |
| Core capital (leverage) ratio | 8.5508% | 5,722 |
| Tier 1 risk-based capital ratio | 12.5965% | 5,391 |
| Total risk-based capital ratio | 13.3059% | 5,686 |
| Memoranda: | ||
| Average total assets | $85,417,250 | 5,148 |
| Average earning assets | $77,544,500 | 5,152 |
| Average equity | $7,282,000 | 5,562 |
| Average total loans | $36,112,500 | 5,545 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3214% | 6,053 |
| Cost of funding earning assets | 0.3507% | 5,400 |
| Net interest margin | 2.9707% | 5,646 |
| Noninterest income to average assets | 0.8476% | 2,008 |
| Noninterest expense to average assets | 3.0672% | 2,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4449% | 5,039 |
| Return on assets (ROA) | 0.4449% | 5,207 |
| Pretax return on assets | 0.4776% | 5,445 |
| Return on Equity (ROE) | 5.1062% | 4,665 |
| Retained earnings to average equity (ytd only) | 5.1062% | 2,984 |
| Net charge-offs to loans | -0.0111% | 5,791 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5258% | 1,362 |
| Assets per employee ($millions) | 2.6853% | 6,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 4,681 |
| Loan loss allowance to noncurrent loans | 78.5841% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 4,402 |
| Noncurrent loans to loans | 1.6067% | 2,897 |
| Net loans and leases to total assets | 40.4078% | 6,018 |
| Net loans and leases to deposits | 46.4844% | 6,074 |
| Net loans and leases to core deposits | 46.4844% | 6,216 |
| Total domestic deposits to total assets | 86.9276% | 2,860 |
| Equity capital to assets | 8.0508% | 6,165 |
| Core capital (leverage) ratio | 8.3900% | 5,778 |
| Tier 1 risk-based capital ratio | 12.6556% | 5,387 |
| Total risk-based capital ratio | 13.4299% | 5,637 |
| Memoranda: | ||
| Average total assets | $85,419,330 | 5,175 |
| Average earning assets | $77,557,000 | 5,183 |
| Average equity | $7,442,000 | 5,576 |
| Average total loans | $36,193,670 | 5,568 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3635% | 6,017 |
| Cost of funding earning assets | 0.3680% | 5,392 |
| Net interest margin | 2.9955% | 5,583 |
| Noninterest income to average assets | 0.9628% | 1,573 |
| Noninterest expense to average assets | 3.3018% | 2,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3570% | 5,322 |
| Return on assets (ROA) | 0.3570% | 5,461 |
| Pretax return on assets | 0.3757% | 5,631 |
| Return on Equity (ROE) | 3.9460% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.9460% | 3,872 |
| Net charge-offs to loans | -0.0109% | 5,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7829% | 1,165 |
| Assets per employee ($millions) | 2.6231% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 5,042 |
| Loan loss allowance to noncurrent loans | 58.4433% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9450% | 4,037 |
| Noncurrent loans to loans | 2.1079% | 2,494 |
| Net loans and leases to total assets | 41.0302% | 5,920 |
| Net loans and leases to deposits | 45.5165% | 6,087 |
| Net loans and leases to core deposits | 45.5165% | 6,239 |
| Total domestic deposits to total assets | 90.1436% | 964 |
| Equity capital to assets | 8.9264% | 5,576 |
| Core capital (leverage) ratio | 8.4040% | 5,703 |
| Tier 1 risk-based capital ratio | 12.4041% | 5,638 |
| Total risk-based capital ratio | 13.1732% | 5,931 |
| Memoranda: | ||
| Average total assets | $85,164,500 | 5,226 |
| Average earning assets | $77,181,500 | 5,231 |
| Average equity | $7,704,000 | 5,582 |
| Average total loans | $36,707,500 | 5,585 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6327% | 6,164 |
| Cost of funding earning assets | 0.4634% | 5,466 |
| Net interest margin | 3.1692% | 5,645 |
| Noninterest income to average assets | 1.2100% | 1,074 |
| Noninterest expense to average assets | 3.6022% | 1,602 |
| Loan and lease loss provision to assets | 0.0060% | 5,851 |
| Net operating income to assets | 0.3751% | 5,199 |
| Return on assets (ROA) | 0.4382% | 5,177 |
| Pretax return on assets | 0.4780% | 5,342 |
| Return on Equity (ROE) | 4.9501% | 4,695 |
| Retained earnings to average equity (ytd only) | 2.4614% | 4,506 |
| Net charge-offs to loans | 0.3363% | 2,951 |
| Credit loss provision to net charge-offs | 3.8168% | 5,459 |
| Earnings coverage of net charge-offs (x) | 2.6336% | 4,112 |
| Efficiency ratio | 89.6614% | 1,095 |
| Assets per employee ($millions) | 2.7021% | 6,425 |
| Cash dividends to net income (ytd only)* | 50.2747% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 5,211 |
| Loan loss allowance to noncurrent loans | 65.9701% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 0.9276% | 4,184 |
| Noncurrent loans to loans | 1.7888% | 2,934 |
| Net loans and leases to total assets | 44.1862% | 5,801 |
| Net loans and leases to deposits | 49.5210% | 5,990 |
| Net loans and leases to core deposits | 49.5210% | 6,173 |
| Total domestic deposits to total assets | 89.2271% | 1,420 |
| Equity capital to assets | 9.1696% | 5,310 |
| Core capital (leverage) ratio | 8.5099% | 5,594 |
| Tier 1 risk-based capital ratio | 12.4129% | 5,534 |
| Total risk-based capital ratio | 13.1889% | 5,780 |
| Memoranda: | ||
| Average total assets | $83,059,200 | 5,271 |
| Average earning assets | $73,582,200 | 5,323 |
| Average equity | $7,353,400 | 5,679 |
| Average total loans | $38,951,600 | 5,553 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 6,173 |
| Cost of funding earning assets | 0.4871% | 5,525 |
| Net interest margin | 3.2418% | 5,575 |
| Noninterest income to average assets | 1.1148% | 1,210 |
| Noninterest expense to average assets | 3.4313% | 1,927 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5311% | 4,705 |
| Return on assets (ROA) | 0.6209% | 4,548 |
| Pretax return on assets | 0.6338% | 5,070 |
| Return on Equity (ROE) | 7.0776% | 3,761 |
| Retained earnings to average equity (ytd only) | 5.2625% | 3,181 |
| Net charge-offs to loans | 0.4408% | 2,342 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.5923% | 4,003 |
| Efficiency ratio | 86.3563% | 1,351 |
| Assets per employee ($millions) | 2.6084% | 6,591 |
| Cash dividends to net income (ytd only)* | 25.6485% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 5,546 |
| Loan loss allowance to noncurrent loans | 161.0294% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 5,745 |
| Noncurrent loans to loans | 0.7096% | 5,018 |
| Net loans and leases to total assets | 45.3995% | 5,833 |
| Net loans and leases to deposits | 50.6245% | 6,065 |
| Net loans and leases to core deposits | 50.6245% | 6,250 |
| Total domestic deposits to total assets | 89.6789% | 1,029 |
| Equity capital to assets | 9.2812% | 5,491 |
| Core capital (leverage) ratio | 8.5885% | 5,638 |
| Tier 1 risk-based capital ratio | 12.5015% | 5,641 |
| Total risk-based capital ratio | 13.2648% | 5,916 |
| Memoranda: | ||
| Average total assets | $82,882,500 | 5,328 |
| Average earning assets | $73,084,750 | 5,399 |
| Average equity | $7,271,500 | 5,752 |
| Average total loans | $39,325,750 | 5,607 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 6,106 |
| Cost of funding earning assets | 0.5051% | 5,584 |
| Net interest margin | 3.3095% | 5,413 |
| Noninterest income to average assets | 1.1707% | 1,040 |
| Noninterest expense to average assets | 3.6282% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4367% | 5,087 |
| Return on assets (ROA) | 0.5708% | 4,770 |
| Pretax return on assets | 0.5781% | 5,214 |
| Return on Equity (ROE) | 6.6357% | 3,973 |
| Retained earnings to average equity (ytd only) | 3.8521% | 4,051 |
| Net charge-offs to loans | 0.3177% | 2,757 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.9048% | 3,579 |
| Efficiency ratio | 89.1266% | 1,137 |
| Assets per employee ($millions) | 2.5338% | 6,732 |
| Cash dividends to net income (ytd only)* | 41.9492% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 4,893 |
| Loan loss allowance to noncurrent loans | 148.0938% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 5,462 |
| Noncurrent loans to loans | 0.8774% | 4,737 |
| Net loans and leases to total assets | 45.8740% | 5,835 |
| Net loans and leases to deposits | 51.4720% | 6,059 |
| Net loans and leases to core deposits | 51.4720% | 6,270 |
| Total domestic deposits to total assets | 89.1241% | 1,440 |
| Equity capital to assets | 8.6479% | 6,080 |
| Core capital (leverage) ratio | 8.3825% | 5,813 |
| Tier 1 risk-based capital ratio | 12.2051% | 5,792 |
| Total risk-based capital ratio | 13.0825% | 6,006 |
| Memoranda: | ||
| Average total assets | $82,686,670 | 5,364 |
| Average earning assets | $72,457,000 | 5,446 |
| Average equity | $7,113,000 | 5,816 |
| Average total loans | $39,656,670 | 5,619 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 5,782 |
| Cost of funding earning assets | 0.5313% | 5,603 |
| Net interest margin | 3.4618% | 4,869 |
| Noninterest income to average assets | 1.1968% | 1,001 |
| Noninterest expense to average assets | 3.7314% | 1,329 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4768% | 4,922 |
| Return on assets (ROA) | 0.4768% | 5,119 |
| Pretax return on assets | 0.4768% | 5,500 |
| Return on Equity (ROE) | 5.5571% | 4,522 |
| Retained earnings to average equity (ytd only) | 5.5004% | 3,260 |
| Net charge-offs to loans | 0.3296% | 2,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.9697% | 3,001 |
| Efficiency ratio | 88.6705% | 1,210 |
| Assets per employee ($millions) | 2.6574% | 6,689 |
| Cash dividends to net income (ytd only)* | 1.0204% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 4,837 |
| Loan loss allowance to noncurrent loans | 157.8171% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 5,743 |
| Noncurrent loans to loans | 0.8502% | 4,977 |
| Net loans and leases to total assets | 46.2616% | 5,753 |
| Net loans and leases to deposits | 51.8341% | 5,989 |
| Net loans and leases to core deposits | 51.8341% | 6,222 |
| Total domestic deposits to total assets | 89.2493% | 1,518 |
| Equity capital to assets | 8.4106% | 6,167 |
| Core capital (leverage) ratio | 8.4847% | 5,619 |
| Tier 1 risk-based capital ratio | 11.8150% | 6,075 |
| Total risk-based capital ratio | 12.7199% | 6,280 |
| Memoranda: | ||
| Average total assets | $82,222,000 | 5,412 |
| Average earning assets | $71,522,500 | 5,515 |
| Average equity | $7,054,000 | 5,855 |
| Average total loans | $40,053,500 | 5,640 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 5,419 |
| Cost of funding earning assets | 0.7665% | 5,088 |
| Net interest margin | 3.6357% | 4,589 |
| Noninterest income to average assets | 0.8309% | 1,924 |
| Noninterest expense to average assets | 3.8394% | 1,276 |
| Loan and lease loss provision to assets | 0.3077% | 3,212 |
| Net operating income to assets | -0.2049% | 6,261 |
| Return on assets (ROA) | 0.6005% | 4,187 |
| Pretax return on assets | 0.6054% | 4,676 |
| Return on Equity (ROE) | 7.1006% | 3,355 |
| Retained earnings to average equity (ytd only) | 5.5685% | 2,260 |
| Net charge-offs to loans | 0.2179% | 4,426 |
| Credit loss provision to net charge-offs | 277.5281% | 856 |
| Earnings coverage of net charge-offs (x) | 0.8989% | 5,136 |
| Efficiency ratio | 97.4700% | 752 |
| Assets per employee ($millions) | 2.4815% | 6,849 |
| Cash dividends to net income (ytd only)* | 21.5768% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 4,404 |
| Loan loss allowance to noncurrent loans | 313.8122% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 5,750 |
| Noncurrent loans to loans | 0.4499% | 5,805 |
| Net loans and leases to total assets | 49.9509% | 5,589 |
| Net loans and leases to deposits | 55.5011% | 5,931 |
| Net loans and leases to core deposits | 55.5011% | 6,188 |
| Total domestic deposits to total assets | 89.9997% | 996 |
| Equity capital to assets | 8.7598% | 5,838 |
| Core capital (leverage) ratio | 8.6480% | 5,320 |
| Tier 1 risk-based capital ratio | 13.5686% | 4,641 |
| Total risk-based capital ratio | 14.6872% | 4,710 |
| Memoranda: | ||
| Average total assets | $80,272,000 | 5,452 |
| Average earning assets | $68,625,800 | 5,585 |
| Average equity | $6,788,200 | 5,928 |
| Average total loans | $40,840,400 | 5,651 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 5,283 |
| Cost of funding earning assets | 0.7911% | 5,205 |
| Net interest margin | 3.6984% | 4,342 |
| Noninterest income to average assets | 0.8134% | 1,990 |
| Noninterest expense to average assets | 3.7653% | 1,371 |
| Loan and lease loss provision to assets | 0.0596% | 5,697 |
| Net operating income to assets | 0.1549% | 5,823 |
| Return on assets (ROA) | 0.3976% | 5,193 |
| Pretax return on assets | 0.4009% | 5,470 |
| Return on Equity (ROE) | 4.7432% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.7432% | 3,350 |
| Net charge-offs to loans | 0.2927% | 3,625 |
| Credit loss provision to net charge-offs | 40.0000% | 5,240 |
| Earnings coverage of net charge-offs (x) | 1.4444% | 4,551 |
| Efficiency ratio | 94.5901% | 884 |
| Assets per employee ($millions) | 2.5079% | 6,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 6,595 |
| Loan loss allowance to noncurrent loans | 78.2418% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 4,880 |
| Noncurrent loans to loans | 1.1504% | 4,618 |
| Net loans and leases to total assets | 48.8387% | 5,852 |
| Net loans and leases to deposits | 54.5534% | 6,156 |
| Net loans and leases to core deposits | 54.5534% | 6,419 |
| Total domestic deposits to total assets | 89.5245% | 1,130 |
| Equity capital to assets | 9.2369% | 5,462 |
| Core capital (leverage) ratio | 8.4176% | 5,829 |
| Tier 1 risk-based capital ratio | 12.8709% | 5,189 |
| Total risk-based capital ratio | 13.5534% | 5,649 |
| Memoranda: | ||
| Average total assets | $80,488,000 | 5,490 |
| Average earning assets | $68,929,250 | 5,619 |
| Average equity | $6,746,250 | 5,986 |
| Average total loans | $40,992,250 | 5,698 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 5,499 |
| Cost of funding earning assets | 0.8405% | 5,127 |
| Net interest margin | 3.6173% | 4,656 |
| Noninterest income to average assets | 0.8341% | 1,871 |
| Noninterest expense to average assets | 3.7112% | 1,511 |
| Loan and lease loss provision to assets | 0.0745% | 5,383 |
| Net operating income to assets | 0.1465% | 5,895 |
| Return on assets (ROA) | 0.3153% | 5,450 |
| Pretax return on assets | 0.3153% | 5,635 |
| Return on Equity (ROE) | 3.8933% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.8933% | 3,715 |
| Net charge-offs to loans | 0.1929% | 4,001 |
| Credit loss provision to net charge-offs | 75.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | 2.2250% | 3,721 |
| Efficiency ratio | 94.3813% | 952 |
| Assets per employee ($millions) | 2.5954% | 6,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 6,401 |
| Loan loss allowance to noncurrent loans | 109.8901% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 5,038 |
| Noncurrent loans to loans | 0.8951% | 5,177 |
| Net loans and leases to total assets | 50.0497% | 5,815 |
| Net loans and leases to deposits | 55.7296% | 6,160 |
| Net loans and leases to core deposits | 55.7296% | 6,433 |
| Total domestic deposits to total assets | 89.8081% | 1,070 |
| Equity capital to assets | 8.5786% | 6,083 |
| Core capital (leverage) ratio | 8.3454% | 5,796 |
| Tier 1 risk-based capital ratio | 12.5234% | 5,320 |
| Total risk-based capital ratio | 13.2588% | 5,748 |
| Memoranda: | ||
| Average total assets | $80,566,000 | 5,533 |
| Average earning assets | $69,002,670 | 5,660 |
| Average equity | $6,524,000 | 6,076 |
| Average total loans | $41,472,670 | 5,733 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4018% | 5,693 |
| Cost of funding earning assets | 0.8630% | 5,189 |
| Net interest margin | 3.5388% | 4,855 |
| Noninterest income to average assets | 0.9576% | 1,443 |
| Noninterest expense to average assets | 3.7658% | 1,408 |
| Loan and lease loss provision to assets | 0.1488% | 4,155 |
| Net operating income to assets | 0.0744% | 6,161 |
| Return on assets (ROA) | 0.2382% | 5,719 |
| Pretax return on assets | 0.2382% | 5,840 |
| Return on Equity (ROE) | 3.0308% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.0308% | 4,342 |
| Net charge-offs to loans | 0.2579% | 3,038 |
| Credit loss provision to net charge-offs | 111.1111% | 2,408 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 3,476 |
| Efficiency ratio | 94.4030% | 1,019 |
| Assets per employee ($millions) | 2.5494% | 6,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 6,403 |
| Loan loss allowance to noncurrent loans | 113.1507% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0860% | 4,754 |
| Noncurrent loans to loans | 0.8828% | 5,281 |
| Net loans and leases to total assets | 50.1728% | 5,826 |
| Net loans and leases to deposits | 55.0294% | 6,214 |
| Net loans and leases to core deposits | 55.5206% | 6,451 |
| Total domestic deposits to total assets | 91.1745% | 544 |
| Equity capital to assets | 7.8069% | 6,672 |
| Core capital (leverage) ratio | 8.1749% | 6,003 |
| Tier 1 risk-based capital ratio | 12.5779% | 5,190 |
| Total risk-based capital ratio | 13.3934% | 5,554 |
| Memoranda: | ||
| Average total assets | $80,621,000 | 5,575 |
| Average earning assets | $69,062,000 | 5,697 |
| Average equity | $6,335,000 | 6,143 |
| Average total loans | $41,875,000 | 5,762 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 5,370 |
| Cost of funding earning assets | 1.1060% | 5,106 |
| Net interest margin | 3.7076% | 4,312 |
| Noninterest income to average assets | 1.2436% | 969 |
| Noninterest expense to average assets | 3.8519% | 1,384 |
| Loan and lease loss provision to assets | 0.3218% | 4,243 |
| Net operating income to assets | 0.1336% | 5,489 |
| Return on assets (ROA) | 0.6102% | 3,792 |
| Pretax return on assets | 0.6154% | 4,272 |
| Return on Equity (ROE) | 7.4088% | 2,931 |
| Retained earnings to average equity (ytd only) | 7.4088% | 1,175 |
| Net charge-offs to loans | 0.3654% | 4,199 |
| Credit loss provision to net charge-offs | 149.7006% | 2,421 |
| Earnings coverage of net charge-offs (x) | 2.1198% | 4,133 |
| Efficiency ratio | 89.4202% | 1,365 |
| Assets per employee ($millions) | 2.5697% | 6,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 6,506 |
| Loan loss allowance to noncurrent loans | 146.4286% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 1.1562% | 4,700 |
| Noncurrent loans to loans | 0.6603% | 5,728 |
| Net loans and leases to total assets | 52.7178% | 5,821 |
| Net loans and leases to deposits | 57.8794% | 6,268 |
| Net loans and leases to core deposits | 57.8794% | 6,570 |
| Total domestic deposits to total assets | 91.0821% | 561 |
| Equity capital to assets | 7.9099% | 6,573 |
| Core capital (leverage) ratio | 8.4882% | 5,387 |
| Tier 1 risk-based capital ratio | 13.1221% | 4,512 |
| Total risk-based capital ratio | 13.9731% | 4,814 |
| Memoranda: | ||
| Average total assets | $77,676,800 | 5,654 |
| Average earning assets | $64,192,400 | 5,852 |
| Average equity | $6,397,800 | 6,234 |
| Average total loans | $45,706,200 | 5,666 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1551% | 4,053 |
| Cost of funding earning assets | 1.1583% | 5,097 |
| Net interest margin | 3.9968% | 3,117 |
| Noninterest income to average assets | 1.2144% | 944 |
| Noninterest expense to average assets | 3.9491% | 1,117 |
| Loan and lease loss provision to assets | 0.3801% | 3,610 |
| Net operating income to assets | 0.1520% | 5,635 |
| Return on assets (ROA) | 0.3213% | 5,246 |
| Pretax return on assets | 0.3213% | 5,444 |
| Return on Equity (ROE) | 3.8616% | 4,843 |
| Retained earnings to average equity (ytd only) | 3.8616% | 3,749 |
| Net charge-offs to loans | 0.4613% | 3,443 |
| Credit loss provision to net charge-offs | 136.6460% | 2,923 |
| Earnings coverage of net charge-offs (x) | 1.9131% | 4,275 |
| Efficiency ratio | 86.8543% | 1,546 |
| Assets per employee ($millions) | 2.6348% | 6,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 6,779 |
| Loan loss allowance to noncurrent loans | 85.5011% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.0575% | 5,000 |
| Noncurrent loans to loans | 1.0403% | 5,167 |
| Net loans and leases to total assets | 58.4808% | 5,187 |
| Net loans and leases to deposits | 64.8901% | 5,802 |
| Net loans and leases to core deposits | 64.8901% | 6,220 |
| Total domestic deposits to total assets | 90.1228% | 820 |
| Equity capital to assets | 8.8485% | 5,783 |
| Core capital (leverage) ratio | 8.1526% | 6,116 |
| Tier 1 risk-based capital ratio | 12.3558% | 5,112 |
| Total risk-based capital ratio | 13.1756% | 5,506 |
| Memoranda: | ||
| Average total assets | $77,181,000 | 5,744 |
| Average earning assets | $63,081,750 | 5,950 |
| Average equity | $6,422,000 | 6,313 |
| Average total loans | $46,531,500 | 5,703 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3542% | 3,194 |
| Cost of funding earning assets | 1.1828% | 5,221 |
| Net interest margin | 4.1714% | 2,254 |
| Noninterest income to average assets | 1.2836% | 776 |
| Noninterest expense to average assets | 4.0548% | 977 |
| Loan and lease loss provision to assets | 0.4261% | 3,197 |
| Net operating income to assets | 0.2092% | 5,527 |
| Return on assets (ROA) | 0.2118% | 5,653 |
| Pretax return on assets | 0.2118% | 5,747 |
| Return on Equity (ROE) | 2.5995% | 5,415 |
| Retained earnings to average equity (ytd only) | 2.5995% | 4,485 |
| Net charge-offs to loans | 0.4552% | 3,171 |
| Credit loss provision to net charge-offs | 154.2056% | 2,546 |
| Earnings coverage of net charge-offs (x) | 2.2991% | 3,851 |
| Efficiency ratio | 85.3524% | 1,783 |
| Assets per employee ($millions) | 2.4427% | 7,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8246% | 6,975 |
| Loan loss allowance to noncurrent loans | 60.4396% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.0235% | 5,090 |
| Noncurrent loans to loans | 1.3643% | 4,663 |
| Net loans and leases to total assets | 59.2426% | 5,207 |
| Net loans and leases to deposits | 65.3260% | 5,889 |
| Net loans and leases to core deposits | 65.3260% | 6,288 |
| Total domestic deposits to total assets | 90.6876% | 605 |
| Equity capital to assets | 8.2441% | 6,488 |
| Core capital (leverage) ratio | 7.9669% | 6,305 |
| Tier 1 risk-based capital ratio | 11.9688% | 5,339 |
| Total risk-based capital ratio | 12.7577% | 5,735 |
| Memoranda: | ||
| Average total assets | $77,438,670 | 5,768 |
| Average earning assets | $63,240,330 | 5,979 |
| Average equity | $6,309,000 | 6,370 |
| Average total loans | $47,013,670 | 5,716 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0606% | 4,729 |
| Cost of funding earning assets | 1.2363% | 5,198 |
| Net interest margin | 3.8243% | 3,689 |
| Noninterest income to average assets | 1.1936% | 856 |
| Noninterest expense to average assets | 3.6328% | 1,662 |
| Loan and lease loss provision to assets | 0.3477% | 3,295 |
| Net operating income to assets | 0.3114% | 5,246 |
| Return on assets (ROA) | 0.3114% | 5,375 |
| Pretax return on assets | 0.3114% | 5,566 |
| Return on Equity (ROE) | 3.8452% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.8452% | 3,834 |
| Net charge-offs to loans | 0.3392% | 3,051 |
| Credit loss provision to net charge-offs | 167.5000% | 2,168 |
| Earnings coverage of net charge-offs (x) | 3.1750% | 2,996 |
| Efficiency ratio | 83.5550% | 2,069 |
| Assets per employee ($millions) | 2.4178% | 7,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 7,215 |
| Loan loss allowance to noncurrent loans | 48.2947% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 1.3339% | 4,519 |
| Noncurrent loans to loans | 1.5766% | 4,378 |
| Net loans and leases to total assets | 59.6345% | 5,183 |
| Net loans and leases to deposits | 65.6255% | 5,863 |
| Net loans and leases to core deposits | 65.6255% | 6,319 |
| Total domestic deposits to total assets | 90.8709% | 599 |
| Equity capital to assets | 8.1300% | 6,508 |
| Core capital (leverage) ratio | 8.1018% | 6,069 |
| Tier 1 risk-based capital ratio | 12.5119% | 4,734 |
| Total risk-based capital ratio | 13.2768% | 5,130 |
| Memoranda: | ||
| Average total assets | $77,075,500 | 5,850 |
| Average earning assets | $62,443,500 | 6,064 |
| Average equity | $6,241,500 | 6,433 |
| Average total loans | $47,174,500 | 5,793 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4679% | 4,342 |
| Cost of funding earning assets | 1.6204% | 4,931 |
| Net interest margin | 3.8475% | 3,496 |
| Noninterest income to average assets | 1.1726% | 1,116 |
| Noninterest expense to average assets | 3.8844% | 1,529 |
| Loan and lease loss provision to assets | 0.3422% | 4,743 |
| Net operating income to assets | 0.1285% | 5,121 |
| Return on assets (ROA) | 0.1434% | 5,140 |
| Pretax return on assets | 0.1434% | 5,128 |
| Return on Equity (ROE) | 1.7263% | 5,009 |
| Retained earnings to average equity (ytd only) | 1.3028% | 4,134 |
| Net charge-offs to loans | 0.2836% | 4,857 |
| Credit loss provision to net charge-offs | 180.7143% | 2,294 |
| Earnings coverage of net charge-offs (x) | 2.4857% | 3,880 |
| Efficiency ratio | 88.0124% | 1,878 |
| Assets per employee ($millions) | 2.3268% | 7,442 |
| Cash dividends to net income (ytd only)* | 24.5283% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6833% | 7,408 |
| Loan loss allowance to noncurrent loans | 45.6704% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 1.5811% | 4,008 |
| Noncurrent loans to loans | 1.4961% | 4,424 |
| Net loans and leases to total assets | 61.9017% | 5,009 |
| Net loans and leases to deposits | 68.0809% | 5,814 |
| Net loans and leases to core deposits | 76.1345% | 6,390 |
| Total domestic deposits to total assets | 90.9238% | 561 |
| Equity capital to assets | 8.0656% | 6,510 |
| Core capital (leverage) ratio | 8.2123% | 5,790 |
| Tier 1 risk-based capital ratio | 11.9241% | 5,012 |
| Total risk-based capital ratio | 12.6090% | 5,507 |
| Memoranda: | ||
| Average total assets | $73,937,200 | 5,890 |
| Average earning assets | $61,156,800 | 6,089 |
| Average equity | $6,140,400 | 6,556 |
| Average total loans | $49,369,200 | 5,706 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5296% | 4,271 |
| Cost of funding earning assets | 1.7102% | 4,846 |
| Net interest margin | 3.8194% | 3,575 |
| Noninterest income to average assets | 1.1034% | 1,299 |
| Noninterest expense to average assets | 3.8710% | 1,476 |
| Loan and lease loss provision to assets | 0.3077% | 4,507 |
| Net operating income to assets | 0.0801% | 5,529 |
| Return on assets (ROA) | 0.1001% | 5,511 |
| Pretax return on assets | 0.1001% | 5,524 |
| Return on Equity (ROE) | 1.1968% | 5,433 |
| Retained earnings to average equity (ytd only) | 0.6311% | 4,932 |
| Net charge-offs to loans | 0.2305% | 4,618 |
| Credit loss provision to net charge-offs | 196.5116% | 2,285 |
| Earnings coverage of net charge-offs (x) | 2.4768% | 3,992 |
| Efficiency ratio | 89.6965% | 1,714 |
| Assets per employee ($millions) | 2.2277% | 7,585 |
| Cash dividends to net income (ytd only)* | 47.2794% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6003% | 7,580 |
| Loan loss allowance to noncurrent loans | 53.9020% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.4011% | 4,298 |
| Noncurrent loans to loans | 1.1137% | 5,088 |
| Net loans and leases to total assets | 66.8957% | 4,211 |
| Net loans and leases to deposits | 73.8926% | 5,377 |
| Net loans and leases to core deposits | 83.2732% | 6,099 |
| Total domestic deposits to total assets | 90.5309% | 576 |
| Equity capital to assets | 8.3482% | 6,446 |
| Core capital (leverage) ratio | 8.1330% | 6,132 |
| Tier 1 risk-based capital ratio | 11.6677% | 5,277 |
| Total risk-based capital ratio | 12.2854% | 5,876 |
| Memoranda: | ||
| Average total assets | $73,225,750 | 5,944 |
| Average earning assets | $60,496,750 | 6,157 |
| Average equity | $6,127,250 | 6,623 |
| Average total loans | $49,747,250 | 5,736 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6717% | 3,706 |
| Cost of funding earning assets | 1.7668% | 4,920 |
| Net interest margin | 3.9049% | 3,094 |
| Noninterest income to average assets | 1.4002% | 775 |
| Noninterest expense to average assets | 4.0804% | 1,214 |
| Loan and lease loss provision to assets | 0.0328% | 6,908 |
| Net operating income to assets | 0.5035% | 4,078 |
| Return on assets (ROA) | 0.5333% | 4,078 |
| Pretax return on assets | 0.5388% | 4,500 |
| Return on Equity (ROE) | 6.3684% | 3,491 |
| Retained earnings to average equity (ytd only) | 5.5193% | 2,240 |
| Net charge-offs to loans | 0.1244% | 4,918 |
| Credit loss provision to net charge-offs | 38.7097% | 5,919 |
| Earnings coverage of net charge-offs (x) | 6.3871% | 2,631 |
| Efficiency ratio | 87.1598% | 2,110 |
| Assets per employee ($millions) | 2.3238% | 7,517 |
| Cash dividends to net income (ytd only)* | 13.3333% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3922% | 7,904 |
| Loan loss allowance to noncurrent loans | 18.4484% | 7,212 |
| Noncurrent assets plus other real estate owned to assets | 3.2261% | 1,945 |
| Noncurrent loans to loans | 2.1260% | 3,341 |
| Net loans and leases to total assets | 66.5958% | 4,442 |
| Net loans and leases to deposits | 73.5577% | 5,528 |
| Net loans and leases to core deposits | 82.2461% | 6,217 |
| Total domestic deposits to total assets | 90.5355% | 613 |
| Equity capital to assets | 8.2919% | 6,341 |
| Core capital (leverage) ratio | 8.3615% | 5,693 |
| Tier 1 risk-based capital ratio | 11.8586% | 5,038 |
| Total risk-based capital ratio | 12.2766% | 5,775 |
| Memoranda: | ||
| Average total assets | $73,130,000 | 6,001 |
| Average earning assets | $60,334,330 | 6,208 |
| Average equity | $6,124,000 | 6,677 |
| Average total loans | $49,838,330 | 5,774 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8040% | 3,278 |
| Cost of funding earning assets | 1.8501% | 4,875 |
| Net interest margin | 3.9539% | 2,841 |
| Noninterest income to average assets | 1.3073% | 836 |
| Noninterest expense to average assets | 4.0875% | 1,081 |
| Loan and lease loss provision to assets | 0.0276% | 6,583 |
| Net operating income to assets | 0.4578% | 4,625 |
| Return on assets (ROA) | 0.4965% | 4,624 |
| Pretax return on assets | 0.4965% | 5,089 |
| Return on Equity (ROE) | 5.8987% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.8987% | 2,677 |
| Net charge-offs to loans | 0.2325% | 3,247 |
| Credit loss provision to net charge-offs | 17.2414% | 5,104 |
| Earnings coverage of net charge-offs (x) | 3.0345% | 3,297 |
| Efficiency ratio | 88.6610% | 1,835 |
| Assets per employee ($millions) | 2.1267% | 7,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3835% | 7,964 |
| Loan loss allowance to noncurrent loans | 10.7832% | 7,501 |
| Noncurrent assets plus other real estate owned to assets | 3.2665% | 1,684 |
| Noncurrent loans to loans | 3.5568% | 1,776 |
| Net loans and leases to total assets | 68.2474% | 4,075 |
| Net loans and leases to deposits | 75.6110% | 5,275 |
| Net loans and leases to core deposits | 84.9278% | 5,985 |
| Total domestic deposits to total assets | 90.2612% | 691 |
| Equity capital to assets | 8.5536% | 5,988 |
| Core capital (leverage) ratio | 8.3814% | 5,751 |
| Tier 1 risk-based capital ratio | 12.1773% | 4,806 |
| Total risk-based capital ratio | 12.5549% | 5,507 |
| Memoranda: | ||
| Average total assets | $72,514,000 | 6,047 |
| Average earning assets | $59,890,000 | 6,261 |
| Average equity | $6,103,000 | 6,725 |
| Average total loans | $49,899,000 | 5,798 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0162% | 5,478 |
| Cost of funding earning assets | 2.3940% | 4,739 |
| Net interest margin | 3.6222% | 4,777 |
| Noninterest income to average assets | 0.9669% | 1,705 |
| Noninterest expense to average assets | 3.7232% | 1,911 |
| Loan and lease loss provision to assets | 0.0321% | 7,006 |
| Net operating income to assets | 0.2324% | 5,747 |
| Return on assets (ROA) | -0.4287% | 6,732 |
| Pretax return on assets | -0.4287% | 6,575 |
| Return on Equity (ROE) | -5.1543% | 6,882 |
| Retained earnings to average equity (ytd only) | -5.1543% | 6,534 |
| Net charge-offs to loans | 0.0592% | 5,932 |
| Credit loss provision to net charge-offs | 80.0000% | 5,900 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 3,328 |
| Efficiency ratio | 92.8332% | 1,336 |
| Assets per employee ($millions) | 2.2036% | 7,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4258% | 7,949 |
| Loan loss allowance to noncurrent loans | 13.3416% | 7,442 |
| Noncurrent assets plus other real estate owned to assets | 2.6733% | 1,779 |
| Noncurrent loans to loans | 3.1915% | 1,650 |
| Net loans and leases to total assets | 68.8197% | 4,297 |
| Net loans and leases to deposits | 75.9351% | 5,598 |
| Net loans and leases to core deposits | 85.3588% | 6,181 |
| Total domestic deposits to total assets | 90.6297% | 449 |
| Equity capital to assets | 8.2798% | 6,446 |
| Core capital (leverage) ratio | 8.2728% | 6,004 |
| Tier 1 risk-based capital ratio | 9.6323% | 7,170 |
| Total risk-based capital ratio | 10.0104% | 8,001 |
| Memoranda: | ||
| Average total assets | $74,881,400 | 5,879 |
| Average earning assets | $62,447,600 | 6,076 |
| Average equity | $6,227,800 | 6,725 |
| Average total loans | $50,696,200 | 5,678 |