Home > Muleshoe State Bank > Performance and Condition Ratios
Muleshoe State Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2283% | 5,201 |
| Cost of funding earning assets | 0.1354% | 5,458 |
| Net interest margin | 3.0929% | 4,669 |
| Noninterest income to average assets | 1.1939% | 717 |
| Noninterest expense to average assets | 5.2575% | 206 |
| Loan and lease loss provision to assets | -0.0899% | 5,744 |
| Net operating income to assets | -0.7196% | 5,766 |
| Return on assets (ROA) | -0.1834% | 5,674 |
| Pretax return on assets | -0.4243% | 5,713 |
| Return on Equity (ROE) | -2.3464% | 5,691 |
| Retained earnings to average equity (ytd only) | -2.3464% | 5,201 |
| Net charge-offs to loans | 0.0664% | 1,667 |
| Credit loss provision to net charge-offs | -312.5000% | 4,138 |
| Earnings coverage of net charge-offs (x) | -47.0000% | 2,935 |
| Efficiency ratio | 134.6225% | 44 |
| Assets per employee ($millions) | 4.3632% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,879 |
| Loan loss allowance to noncurrent loans | 30,600.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,380 |
| Noncurrent loans to loans | 0.0041% | 5,253 |
| Net loans and leases to total assets | 42.9058% | 5,111 |
| Net loans and leases to deposits | 46.9142% | 5,265 |
| Net loans and leases to core deposits | 49.7867% | 5,231 |
| Total domestic deposits to total assets | 91.4557% | 181 |
| Equity capital to assets | 7.5694% | 5,664 |
| Core capital (leverage) ratio | 7.5528% | 5,696 |
| Tier 1 risk-based capital ratio | 13.9039% | 3,537 |
| Total risk-based capital ratio | 14.8964% | 3,592 |
| Memoranda: | ||
| Average total assets | $111,232,000 | 4,149 |
| Average earning assets | $97,513,500 | 4,244 |
| Average equity | $8,694,000 | 4,771 |
| Average total loans | $48,184,000 | 4,616 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 4,675 |
| Cost of funding earning assets | 0.1203% | 5,613 |
| Net interest margin | 3.4159% | 3,764 |
| Noninterest income to average assets | 0.5520% | 2,905 |
| Noninterest expense to average assets | 2.8804% | 2,743 |
| Loan and lease loss provision to assets | 0.0813% | 2,732 |
| Net operating income to assets | 0.4953% | 4,651 |
| Return on assets (ROA) | 0.5295% | 4,605 |
| Pretax return on assets | 0.6334% | 4,698 |
| Return on Equity (ROE) | 6.7873% | 3,589 |
| Retained earnings to average equity (ytd only) | 5.6175% | 1,940 |
| Net charge-offs to loans | -0.1055% | 5,608 |
| Credit loss provision to net charge-offs | -180.0000% | 4,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0371% | 1,300 |
| Assets per employee ($millions) | 4.1931% | 3,629 |
| Cash dividends to net income (ytd only)* | 17.2355% | 3,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 2,214 |
| Loan loss allowance to noncurrent loans | 6,460.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 5,372 |
| Noncurrent loans to loans | 0.0212% | 5,186 |
| Net loans and leases to total assets | 42.5940% | 5,203 |
| Net loans and leases to deposits | 46.8242% | 5,339 |
| Net loans and leases to core deposits | 49.7786% | 5,308 |
| Total domestic deposits to total assets | 90.9659% | 288 |
| Equity capital to assets | 8.0728% | 5,528 |
| Core capital (leverage) ratio | 7.8185% | 5,679 |
| Tier 1 risk-based capital ratio | 13.1154% | 3,990 |
| Total risk-based capital ratio | 14.0978% | 4,064 |
| Memoranda: | ||
| Average total assets | $110,679,800 | 4,148 |
| Average earning assets | $97,280,800 | 4,249 |
| Average equity | $8,633,800 | 4,814 |
| Average total loans | $47,371,600 | 4,655 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4937% | 4,821 |
| Cost of funding earning assets | 0.1155% | 5,695 |
| Net interest margin | 3.3782% | 3,925 |
| Noninterest income to average assets | 0.5461% | 2,938 |
| Noninterest expense to average assets | 2.8059% | 2,987 |
| Loan and lease loss provision to assets | 0.0900% | 2,426 |
| Net operating income to assets | 0.5293% | 4,578 |
| Return on assets (ROA) | 0.5293% | 4,680 |
| Pretax return on assets | 0.6349% | 4,779 |
| Return on Equity (ROE) | 6.8435% | 3,645 |
| Retained earnings to average equity (ytd only) | 5.2917% | 2,638 |
| Net charge-offs to loans | -0.1546% | 5,694 |
| Credit loss provision to net charge-offs | -136.3636% | 4,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4697% | 1,499 |
| Assets per employee ($millions) | 4.1931% | 3,604 |
| Cash dividends to net income (ytd only)* | 22.6756% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 2,653 |
| Loan loss allowance to noncurrent loans | 5,772.7273% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 5,486 |
| Noncurrent loans to loans | 0.0226% | 5,297 |
| Net loans and leases to total assets | 44.0108% | 5,190 |
| Net loans and leases to deposits | 51.7902% | 5,214 |
| Net loans and leases to core deposits | 55.2961% | 5,184 |
| Total domestic deposits to total assets | 84.9790% | 2,818 |
| Equity capital to assets | 7.9930% | 5,738 |
| Core capital (leverage) ratio | 7.9428% | 5,708 |
| Tier 1 risk-based capital ratio | 12.6959% | 4,342 |
| Total risk-based capital ratio | 13.6465% | 4,438 |
| Memoranda: | ||
| Average total assets | $111,094,750 | 4,169 |
| Average earning assets | $98,156,000 | 4,271 |
| Average equity | $8,592,000 | 4,867 |
| Average total loans | $47,444,000 | 4,685 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 4,923 |
| Cost of funding earning assets | 0.1154% | 5,778 |
| Net interest margin | 3.3646% | 4,009 |
| Noninterest income to average assets | 0.5385% | 2,964 |
| Noninterest expense to average assets | 2.7732% | 3,123 |
| Loan and lease loss provision to assets | 0.0984% | 2,190 |
| Net operating income to assets | 0.5332% | 4,551 |
| Return on assets (ROA) | 0.5332% | 4,663 |
| Pretax return on assets | 0.6405% | 4,786 |
| Return on Equity (ROE) | 6.9697% | 3,565 |
| Retained earnings to average equity (ytd only) | 4.6309% | 2,956 |
| Net charge-offs to loans | -0.2720% | 5,866 |
| Credit loss provision to net charge-offs | -85.9375% | 4,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9608% | 1,643 |
| Assets per employee ($millions) | 4.1922% | 3,583 |
| Cash dividends to net income (ytd only)* | 33.5570% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 2,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 39.7787% | 5,431 |
| Net loans and leases to deposits | 43.7077% | 5,578 |
| Net loans and leases to core deposits | 46.4477% | 5,549 |
| Total domestic deposits to total assets | 91.0108% | 191 |
| Equity capital to assets | 7.9157% | 5,828 |
| Core capital (leverage) ratio | 7.4734% | 5,885 |
| Tier 1 risk-based capital ratio | 13.0979% | 4,143 |
| Total risk-based capital ratio | 14.0799% | 4,212 |
| Memoranda: | ||
| Average total assets | $111,786,000 | 4,192 |
| Average earning assets | $98,793,330 | 4,293 |
| Average equity | $8,551,330 | 4,910 |
| Average total loans | $47,053,330 | 4,735 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4297% | 5,050 |
| Cost of funding earning assets | 0.1162% | 5,841 |
| Net interest margin | 3.3135% | 4,174 |
| Noninterest income to average assets | 0.5478% | 2,817 |
| Noninterest expense to average assets | 2.7496% | 3,237 |
| Loan and lease loss provision to assets | 0.0884% | 2,209 |
| Net operating income to assets | 0.5266% | 4,519 |
| Return on assets (ROA) | 0.5266% | 4,629 |
| Pretax return on assets | 0.6326% | 4,722 |
| Return on Equity (ROE) | 7.0011% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.0011% | 1,886 |
| Net charge-offs to loans | 0.0329% | 2,300 |
| Credit loss provision to net charge-offs | 625.0000% | 510 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 879 |
| Efficiency ratio | 79.2261% | 1,712 |
| Assets per employee ($millions) | 4.2105% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,801 |
| Loan loss allowance to noncurrent loans | 104.1584% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 3,745 |
| Noncurrent loans to loans | 1.0993% | 2,201 |
| Net loans and leases to total assets | 41.4838% | 5,376 |
| Net loans and leases to deposits | 45.5150% | 5,534 |
| Net loans and leases to core deposits | 49.0136% | 5,479 |
| Total domestic deposits to total assets | 91.1431% | 231 |
| Equity capital to assets | 7.8375% | 5,876 |
| Core capital (leverage) ratio | 7.3148% | 5,959 |
| Tier 1 risk-based capital ratio | 12.4851% | 4,580 |
| Total risk-based capital ratio | 13.2775% | 4,811 |
| Memoranda: | ||
| Average total assets | $113,180,000 | 4,196 |
| Average earning assets | $99,834,500 | 4,302 |
| Average equity | $8,513,000 | 4,951 |
| Average total loans | $48,588,500 | 4,717 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4841% | 4,962 |
| Cost of funding earning assets | 0.1267% | 5,844 |
| Net interest margin | 3.3574% | 4,088 |
| Noninterest income to average assets | 0.6066% | 2,686 |
| Noninterest expense to average assets | 2.8298% | 3,107 |
| Loan and lease loss provision to assets | 0.0533% | 3,250 |
| Net operating income to assets | 0.5649% | 4,443 |
| Return on assets (ROA) | 0.5649% | 4,533 |
| Pretax return on assets | 0.6901% | 4,554 |
| Return on Equity (ROE) | 7.7747% | 3,091 |
| Retained earnings to average equity (ytd only) | 5.3787% | 2,147 |
| Net charge-offs to loans | 0.1595% | 1,781 |
| Credit loss provision to net charge-offs | 80.0000% | 2,948 |
| Earnings coverage of net charge-offs (x) | 11.1600% | 2,613 |
| Efficiency ratio | 79.1946% | 1,792 |
| Assets per employee ($millions) | 4.4956% | 3,050 |
| Cash dividends to net income (ytd only)* | 30.8176% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 4,694 |
| Loan loss allowance to noncurrent loans | 147.2303% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 4,422 |
| Noncurrent loans to loans | 0.6694% | 3,189 |
| Net loans and leases to total assets | 43.4030% | 5,316 |
| Net loans and leases to deposits | 47.2462% | 5,508 |
| Net loans and leases to core deposits | 50.8714% | 5,460 |
| Total domestic deposits to total assets | 91.8656% | 121 |
| Equity capital to assets | 7.2258% | 6,023 |
| Core capital (leverage) ratio | 6.9916% | 6,052 |
| Tier 1 risk-based capital ratio | 11.5227% | 5,242 |
| Total risk-based capital ratio | 12.2377% | 5,429 |
| Memoranda: | ||
| Average total assets | $112,588,800 | 4,206 |
| Average earning assets | $99,481,800 | 4,306 |
| Average equity | $8,180,400 | 5,028 |
| Average total loans | $47,023,000 | 4,755 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4691% | 5,048 |
| Cost of funding earning assets | 0.1376% | 5,868 |
| Net interest margin | 3.3315% | 4,213 |
| Noninterest income to average assets | 0.5691% | 2,920 |
| Noninterest expense to average assets | 2.8157% | 3,120 |
| Loan and lease loss provision to assets | 0.0538% | 3,118 |
| Net operating income to assets | 0.5392% | 4,634 |
| Return on assets (ROA) | 0.5392% | 4,732 |
| Pretax return on assets | 0.6516% | 4,823 |
| Return on Equity (ROE) | 7.4109% | 3,395 |
| Retained earnings to average equity (ytd only) | 4.1902% | 3,485 |
| Net charge-offs to loans | 0.2378% | 1,105 |
| Credit loss provision to net charge-offs | 54.8780% | 2,977 |
| Earnings coverage of net charge-offs (x) | 7.1952% | 2,945 |
| Efficiency ratio | 79.9660% | 1,658 |
| Assets per employee ($millions) | 4.3641% | 3,227 |
| Cash dividends to net income (ytd only)* | 43.4594% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 4,964 |
| Loan loss allowance to noncurrent loans | 353.2847% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 3,550 |
| Noncurrent loans to loans | 0.2699% | 4,614 |
| Net loans and leases to total assets | 44.3116% | 5,339 |
| Net loans and leases to deposits | 48.4365% | 5,540 |
| Net loans and leases to core deposits | 52.2607% | 5,490 |
| Total domestic deposits to total assets | 91.4839% | 159 |
| Equity capital to assets | 7.3096% | 6,102 |
| Core capital (leverage) ratio | 7.0318% | 6,126 |
| Tier 1 risk-based capital ratio | 11.2291% | 5,537 |
| Total risk-based capital ratio | 11.9125% | 5,748 |
| Memoranda: | ||
| Average total assets | $111,514,500 | 4,277 |
| Average earning assets | $98,812,500 | 4,362 |
| Average equity | $8,114,000 | 5,103 |
| Average total loans | $45,969,500 | 4,846 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3553% | 5,322 |
| Cost of funding earning assets | 0.1581% | 5,792 |
| Net interest margin | 3.1972% | 4,675 |
| Noninterest income to average assets | 0.5863% | 2,812 |
| Noninterest expense to average assets | 2.8071% | 3,208 |
| Loan and lease loss provision to assets | 0.0541% | 3,032 |
| Net operating income to assets | 0.4871% | 4,823 |
| Return on assets (ROA) | 0.4871% | 4,925 |
| Pretax return on assets | 0.5701% | 5,047 |
| Return on Equity (ROE) | 6.7047% | 3,782 |
| Retained earnings to average equity (ytd only) | 1.8376% | 4,779 |
| Net charge-offs to loans | 0.3651% | 710 |
| Credit loss provision to net charge-offs | 37.0370% | 2,854 |
| Earnings coverage of net charge-offs (x) | 4.2716% | 3,067 |
| Efficiency ratio | 81.8086% | 1,518 |
| Assets per employee ($millions) | 4.0759% | 3,730 |
| Cash dividends to net income (ytd only)* | 72.5926% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 4,745 |
| Loan loss allowance to noncurrent loans | 342.3358% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.5970% | 3,623 |
| Noncurrent loans to loans | 0.2991% | 4,618 |
| Net loans and leases to total assets | 41.2016% | 5,563 |
| Net loans and leases to deposits | 46.4408% | 5,653 |
| Net loans and leases to core deposits | 50.3576% | 5,600 |
| Total domestic deposits to total assets | 88.7187% | 1,286 |
| Equity capital to assets | 7.3822% | 6,134 |
| Core capital (leverage) ratio | 7.0832% | 6,174 |
| Tier 1 risk-based capital ratio | 12.4378% | 4,851 |
| Total risk-based capital ratio | 13.1883% | 5,092 |
| Memoranda: | ||
| Average total assets | $110,863,670 | 4,325 |
| Average earning assets | $98,649,670 | 4,407 |
| Average equity | $8,054,000 | 5,153 |
| Average total loans | $44,371,670 | 4,934 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2811% | 5,486 |
| Cost of funding earning assets | 0.1782% | 5,692 |
| Net interest margin | 3.1028% | 4,939 |
| Noninterest income to average assets | 0.6075% | 2,607 |
| Noninterest expense to average assets | 2.7896% | 3,287 |
| Loan and lease loss provision to assets | 0.0539% | 2,863 |
| Net operating income to assets | 0.4529% | 4,858 |
| Return on assets (ROA) | 0.4529% | 4,973 |
| Pretax return on assets | 0.5177% | 5,131 |
| Return on Equity (ROE) | 6.2851% | 3,881 |
| Retained earnings to average equity (ytd only) | -3.4917% | 5,830 |
| Net charge-offs to loans | -0.0092% | 4,681 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9947% | 1,497 |
| Assets per employee ($millions) | 4.1072% | 3,747 |
| Cash dividends to net income (ytd only)* | 155.5556% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 3,463 |
| Loan loss allowance to noncurrent loans | 72.4324% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 3,482 |
| Noncurrent loans to loans | 1.7787% | 1,528 |
| Net loans and leases to total assets | 37.0323% | 5,770 |
| Net loans and leases to deposits | 40.4159% | 5,901 |
| Net loans and leases to core deposits | 43.6730% | 5,850 |
| Total domestic deposits to total assets | 91.6281% | 204 |
| Equity capital to assets | 7.1942% | 6,241 |
| Core capital (leverage) ratio | 6.6229% | 6,280 |
| Tier 1 risk-based capital ratio | 13.4868% | 4,328 |
| Total risk-based capital ratio | 14.4345% | 4,422 |
| Memoranda: | ||
| Average total assets | $111,271,000 | 4,341 |
| Average earning assets | $98,748,500 | 4,439 |
| Average equity | $8,019,000 | 5,208 |
| Average total loans | $43,652,000 | 4,995 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5189% | 5,275 |
| Cost of funding earning assets | 0.1738% | 5,951 |
| Net interest margin | 3.3451% | 4,420 |
| Noninterest income to average assets | 0.5770% | 3,005 |
| Noninterest expense to average assets | 2.9235% | 3,075 |
| Loan and lease loss provision to assets | 0.0502% | 3,557 |
| Net operating income to assets | 0.4766% | 4,899 |
| Return on assets (ROA) | 0.4766% | 4,993 |
| Pretax return on assets | 0.5551% | 5,090 |
| Return on Equity (ROE) | 6.5879% | 3,854 |
| Retained earnings to average equity (ytd only) | 1.5397% | 5,058 |
| Net charge-offs to loans | 0.1024% | 3,041 |
| Credit loss provision to net charge-offs | 119.5652% | 2,012 |
| Earnings coverage of net charge-offs (x) | 14.4130% | 2,169 |
| Efficiency ratio | 82.8461% | 1,550 |
| Assets per employee ($millions) | 4.1351% | 3,657 |
| Cash dividends to net income (ytd only)* | 76.6284% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 4,346 |
| Loan loss allowance to noncurrent loans | 68.8742% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 3,548 |
| Noncurrent loans to loans | 1.6520% | 1,771 |
| Net loans and leases to total assets | 40.4677% | 5,713 |
| Net loans and leases to deposits | 44.1523% | 5,873 |
| Net loans and leases to core deposits | 47.6819% | 5,830 |
| Total domestic deposits to total assets | 91.6549% | 197 |
| Equity capital to assets | 7.2192% | 6,300 |
| Core capital (leverage) ratio | 6.9785% | 6,316 |
| Tier 1 risk-based capital ratio | 13.3114% | 4,535 |
| Total risk-based capital ratio | 14.2106% | 4,664 |
| Memoranda: | ||
| Average total assets | $109,524,600 | 4,390 |
| Average earning assets | $96,650,200 | 4,491 |
| Average equity | $7,923,600 | 5,221 |
| Average total loans | $44,917,200 | 4,999 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4913% | 5,416 |
| Cost of funding earning assets | 0.1787% | 6,000 |
| Net interest margin | 3.3127% | 4,560 |
| Noninterest income to average assets | 0.5970% | 2,896 |
| Noninterest expense to average assets | 2.9420% | 2,986 |
| Loan and lease loss provision to assets | 0.0489% | 3,399 |
| Net operating income to assets | 0.4624% | 5,025 |
| Return on assets (ROA) | 0.4624% | 5,101 |
| Pretax return on assets | 0.5321% | 5,228 |
| Return on Equity (ROE) | 6.3881% | 4,036 |
| Retained earnings to average equity (ytd only) | -0.3718% | 5,858 |
| Net charge-offs to loans | 0.1401% | 2,394 |
| Credit loss provision to net charge-offs | 85.1064% | 2,504 |
| Earnings coverage of net charge-offs (x) | 10.1056% | 2,581 |
| Efficiency ratio | 83.5069% | 1,448 |
| Assets per employee ($millions) | 4.0162% | 3,841 |
| Cash dividends to net income (ytd only)* | 105.8196% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 4,952 |
| Loan loss allowance to noncurrent loans | 66.7550% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 3,724 |
| Noncurrent loans to loans | 1.5845% | 2,054 |
| Net loans and leases to total assets | 43.4769% | 5,563 |
| Net loans and leases to deposits | 47.5736% | 5,790 |
| Net loans and leases to core deposits | 51.4813% | 5,717 |
| Total domestic deposits to total assets | 91.3885% | 260 |
| Equity capital to assets | 7.3278% | 6,332 |
| Core capital (leverage) ratio | 6.9959% | 6,381 |
| Tier 1 risk-based capital ratio | 12.8430% | 4,954 |
| Total risk-based capital ratio | 13.6997% | 5,131 |
| Memoranda: | ||
| Average total assets | $108,994,000 | 4,442 |
| Average earning assets | $96,274,250 | 4,542 |
| Average equity | $7,889,500 | 5,265 |
| Average total loans | $44,721,250 | 5,062 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4412% | 5,538 |
| Cost of funding earning assets | 0.1834% | 6,046 |
| Net interest margin | 3.2578% | 4,749 |
| Noninterest income to average assets | 0.5825% | 2,909 |
| Noninterest expense to average assets | 2.9731% | 2,927 |
| Loan and lease loss provision to assets | 0.0458% | 3,399 |
| Net operating income to assets | 0.3920% | 5,254 |
| Return on assets (ROA) | 0.3920% | 5,321 |
| Pretax return on assets | 0.4268% | 5,486 |
| Return on Equity (ROE) | 5.4379% | 4,466 |
| Retained earnings to average equity (ytd only) | -4.7264% | 6,220 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2839% | 1,246 |
| Assets per employee ($millions) | 3.9687% | 3,906 |
| Cash dividends to net income (ytd only)* | 186.9159% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 4,126 |
| Loan loss allowance to noncurrent loans | 78.9086% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 3,976 |
| Noncurrent loans to loans | 1.5904% | 2,189 |
| Net loans and leases to total assets | 39.2857% | 5,875 |
| Net loans and leases to deposits | 42.9403% | 6,033 |
| Net loans and leases to core deposits | 45.2583% | 6,024 |
| Total domestic deposits to total assets | 91.4890% | 270 |
| Equity capital to assets | 7.2744% | 6,396 |
| Core capital (leverage) ratio | 6.7705% | 6,464 |
| Tier 1 risk-based capital ratio | 13.6412% | 4,494 |
| Total risk-based capital ratio | 14.6288% | 4,614 |
| Memoranda: | ||
| Average total assets | $109,179,670 | 4,459 |
| Average earning assets | $95,954,000 | 4,581 |
| Average equity | $7,870,670 | 5,298 |
| Average total loans | $43,745,330 | 5,136 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3813% | 5,688 |
| Cost of funding earning assets | 0.1823% | 6,146 |
| Net interest margin | 3.1990% | 4,923 |
| Noninterest income to average assets | 0.6171% | 2,631 |
| Noninterest expense to average assets | 3.0928% | 2,557 |
| Loan and lease loss provision to assets | 0.0545% | 3,027 |
| Net operating income to assets | 0.2868% | 5,544 |
| Return on assets (ROA) | 0.2868% | 5,588 |
| Pretax return on assets | 0.2723% | 5,779 |
| Return on Equity (ROE) | 3.9957% | 5,038 |
| Retained earnings to average equity (ytd only) | -16.2357% | 6,486 |
| Net charge-offs to loans | -0.0090% | 5,018 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4459% | 991 |
| Assets per employee ($millions) | 4.0539% | 3,814 |
| Cash dividends to net income (ytd only)* | 506.3291% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 4,425 |
| Loan loss allowance to noncurrent loans | 53.7283% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9346% | 3,388 |
| Noncurrent loans to loans | 2.3128% | 1,539 |
| Net loans and leases to total assets | 38.1925% | 5,930 |
| Net loans and leases to deposits | 41.6287% | 6,096 |
| Net loans and leases to core deposits | 43.9321% | 6,079 |
| Total domestic deposits to total assets | 91.7455% | 318 |
| Equity capital to assets | 7.0768% | 6,431 |
| Core capital (leverage) ratio | 6.5287% | 6,536 |
| Tier 1 risk-based capital ratio | 10.9813% | 6,163 |
| Total risk-based capital ratio | 11.7790% | 6,289 |
| Memoranda: | ||
| Average total assets | $110,191,500 | 4,483 |
| Average earning assets | $96,530,000 | 4,607 |
| Average equity | $7,908,500 | 5,327 |
| Average total loans | $44,302,000 | 5,154 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5916% | 5,426 |
| Cost of funding earning assets | 0.2022% | 6,280 |
| Net interest margin | 3.3894% | 4,320 |
| Noninterest income to average assets | 0.5899% | 3,150 |
| Noninterest expense to average assets | 3.0093% | 3,025 |
| Loan and lease loss provision to assets | 0.0366% | 4,388 |
| Net operating income to assets | 0.4177% | 5,089 |
| Return on assets (ROA) | 0.4177% | 5,200 |
| Pretax return on assets | 0.4764% | 5,272 |
| Return on Equity (ROE) | 5.7393% | 4,251 |
| Retained earnings to average equity (ytd only) | 4.9841% | 2,609 |
| Net charge-offs to loans | 0.1547% | 3,258 |
| Credit loss provision to net charge-offs | 59.7015% | 3,576 |
| Earnings coverage of net charge-offs (x) | 8.3582% | 2,685 |
| Efficiency ratio | 85.4356% | 1,474 |
| Assets per employee ($millions) | 3.8251% | 4,212 |
| Cash dividends to net income (ytd only)* | 13.1579% | 3,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 5,137 |
| Loan loss allowance to noncurrent loans | 49.0385% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 0.9790% | 3,460 |
| Noncurrent loans to loans | 2.2475% | 1,725 |
| Net loans and leases to total assets | 41.2560% | 5,873 |
| Net loans and leases to deposits | 45.0535% | 6,068 |
| Net loans and leases to core deposits | 47.5159% | 6,062 |
| Total domestic deposits to total assets | 91.5710% | 383 |
| Equity capital to assets | 7.2760% | 6,371 |
| Core capital (leverage) ratio | 7.0966% | 6,504 |
| Tier 1 risk-based capital ratio | 13.0819% | 4,920 |
| Total risk-based capital ratio | 13.9626% | 5,113 |
| Memoranda: | ||
| Average total assets | $109,162,200 | 4,516 |
| Average earning assets | $94,441,800 | 4,670 |
| Average equity | $7,945,200 | 5,353 |
| Average total loans | $43,310,600 | 5,223 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5630% | 5,544 |
| Cost of funding earning assets | 0.2091% | 6,361 |
| Net interest margin | 3.3539% | 4,449 |
| Noninterest income to average assets | 0.6070% | 3,103 |
| Noninterest expense to average assets | 3.0082% | 2,968 |
| Loan and lease loss provision to assets | 0.0307% | 4,393 |
| Net operating income to assets | 0.4194% | 5,165 |
| Return on assets (ROA) | 0.4194% | 5,312 |
| Pretax return on assets | 0.4795% | 5,419 |
| Return on Equity (ROE) | 5.7620% | 4,307 |
| Retained earnings to average equity (ytd only) | 4.7511% | 3,269 |
| Net charge-offs to loans | 0.0940% | 3,627 |
| Credit loss provision to net charge-offs | 83.3333% | 2,766 |
| Earnings coverage of net charge-offs (x) | 13.8663% | 1,986 |
| Efficiency ratio | 85.5002% | 1,415 |
| Assets per employee ($millions) | 3.6136% | 4,634 |
| Cash dividends to net income (ytd only)* | 17.5442% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 5,225 |
| Loan loss allowance to noncurrent loans | 84.8967% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 4,498 |
| Noncurrent loans to loans | 1.3262% | 3,203 |
| Net loans and leases to total assets | 44.7474% | 5,651 |
| Net loans and leases to deposits | 50.1997% | 5,821 |
| Net loans and leases to core deposits | 53.4107% | 5,805 |
| Total domestic deposits to total assets | 89.1388% | 1,489 |
| Equity capital to assets | 7.5843% | 6,363 |
| Core capital (leverage) ratio | 7.2075% | 6,543 |
| Tier 1 risk-based capital ratio | 12.8777% | 5,205 |
| Total risk-based capital ratio | 13.7993% | 5,373 |
| Memoranda: | ||
| Average total assets | $108,721,000 | 4,565 |
| Average earning assets | $94,376,000 | 4,721 |
| Average equity | $7,913,750 | 5,416 |
| Average total loans | $42,569,750 | 5,294 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4238% | 5,852 |
| Cost of funding earning assets | 0.2182% | 6,378 |
| Net interest margin | 3.2057% | 4,928 |
| Noninterest income to average assets | 0.6089% | 3,141 |
| Noninterest expense to average assets | 2.9338% | 3,230 |
| Loan and lease loss provision to assets | 0.0182% | 4,529 |
| Net operating income to assets | 0.3872% | 5,262 |
| Return on assets (ROA) | 0.3872% | 5,426 |
| Pretax return on assets | 0.4344% | 5,567 |
| Return on Equity (ROE) | 5.3908% | 4,522 |
| Retained earnings to average equity (ytd only) | 5.3908% | 2,820 |
| Net charge-offs to loans | 0.0684% | 3,735 |
| Credit loss provision to net charge-offs | 71.4286% | 2,789 |
| Earnings coverage of net charge-offs (x) | 17.7857% | 1,588 |
| Efficiency ratio | 86.6345% | 1,353 |
| Assets per employee ($millions) | 3.5568% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 4,800 |
| Loan loss allowance to noncurrent loans | 354.3046% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 5,605 |
| Noncurrent loans to loans | 0.3490% | 5,417 |
| Net loans and leases to total assets | 40.0448% | 6,042 |
| Net loans and leases to deposits | 43.8246% | 6,237 |
| Net loans and leases to core deposits | 46.3740% | 6,220 |
| Total domestic deposits to total assets | 91.3751% | 416 |
| Equity capital to assets | 7.4150% | 6,471 |
| Core capital (leverage) ratio | 6.8541% | 6,648 |
| Tier 1 risk-based capital ratio | 13.5342% | 4,748 |
| Total risk-based capital ratio | 14.5135% | 4,887 |
| Memoranda: | ||
| Average total assets | $110,029,670 | 4,566 |
| Average earning assets | $95,331,330 | 4,711 |
| Average equity | $7,902,330 | 5,456 |
| Average total loans | $40,950,670 | 5,380 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2919% | 6,164 |
| Cost of funding earning assets | 0.2189% | 6,482 |
| Net interest margin | 3.0730% | 5,359 |
| Noninterest income to average assets | 0.6160% | 3,046 |
| Noninterest expense to average assets | 2.9259% | 3,249 |
| Loan and lease loss provision to assets | 0.0107% | 4,315 |
| Net operating income to assets | 0.3259% | 5,467 |
| Return on assets (ROA) | 0.3259% | 5,597 |
| Pretax return on assets | 0.3438% | 5,736 |
| Return on Equity (ROE) | 4.6091% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.6091% | 3,474 |
| Net charge-offs to loans | 0.0302% | 3,609 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 913 |
| Efficiency ratio | 89.1921% | 1,215 |
| Assets per employee ($millions) | 3.5570% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 4,268 |
| Loan loss allowance to noncurrent loans | 1,456.7568% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 6,354 |
| Noncurrent loans to loans | 0.0957% | 6,191 |
| Net loans and leases to total assets | 34.5785% | 6,387 |
| Net loans and leases to deposits | 37.7631% | 6,513 |
| Net loans and leases to core deposits | 39.7090% | 6,495 |
| Total domestic deposits to total assets | 91.5669% | 336 |
| Equity capital to assets | 7.1807% | 6,679 |
| Core capital (leverage) ratio | 6.4685% | 6,753 |
| Tier 1 risk-based capital ratio | 14.4561% | 4,210 |
| Total risk-based capital ratio | 15.5276% | 4,274 |
| Memoranda: | ||
| Average total assets | $111,693,000 | 4,584 |
| Average earning assets | $96,843,500 | 4,715 |
| Average equity | $7,897,500 | 5,512 |
| Average total loans | $39,794,000 | 5,472 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 5,825 |
| Cost of funding earning assets | 0.3511% | 6,207 |
| Net interest margin | 3.4454% | 4,719 |
| Noninterest income to average assets | 0.6145% | 3,203 |
| Noninterest expense to average assets | 2.9931% | 3,302 |
| Loan and lease loss provision to assets | 0.0618% | 4,994 |
| Net operating income to assets | 0.4234% | 4,992 |
| Return on assets (ROA) | 0.4234% | 5,250 |
| Pretax return on assets | 0.4740% | 5,357 |
| Return on Equity (ROE) | 5.6520% | 4,339 |
| Retained earnings to average equity (ytd only) | -1.7506% | 6,128 |
| Net charge-offs to loans | 0.1069% | 4,598 |
| Credit loss provision to net charge-offs | 150.0000% | 1,819 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,874 |
| Efficiency ratio | 84.8155% | 1,533 |
| Assets per employee ($millions) | 3.5349% | 4,943 |
| Cash dividends to net income (ytd only)* | 130.9735% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 4,554 |
| Loan loss allowance to noncurrent loans | 13,450.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 6,517 |
| Noncurrent loans to loans | 0.0098% | 6,543 |
| Net loans and leases to total assets | 35.6990% | 6,451 |
| Net loans and leases to deposits | 38.8842% | 6,601 |
| Net loans and leases to core deposits | 41.0269% | 6,577 |
| Total domestic deposits to total assets | 91.8086% | 282 |
| Equity capital to assets | 6.9635% | 6,780 |
| Core capital (leverage) ratio | 6.6954% | 6,759 |
| Tier 1 risk-based capital ratio | 14.2164% | 4,233 |
| Total risk-based capital ratio | 15.2817% | 4,320 |
| Memoranda: | ||
| Average total assets | $106,746,000 | 4,659 |
| Average earning assets | $90,295,000 | 4,861 |
| Average equity | $7,997,200 | 5,506 |
| Average total loans | $41,173,400 | 5,456 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8519% | 5,901 |
| Cost of funding earning assets | 0.3883% | 6,185 |
| Net interest margin | 3.4636% | 4,793 |
| Noninterest income to average assets | 0.6390% | 3,053 |
| Noninterest expense to average assets | 3.0685% | 2,984 |
| Loan and lease loss provision to assets | 0.0799% | 4,634 |
| Net operating income to assets | 0.3817% | 5,322 |
| Return on assets (ROA) | 0.3817% | 5,534 |
| Pretax return on assets | 0.4197% | 5,672 |
| Return on Equity (ROE) | 4.9995% | 4,819 |
| Retained earnings to average equity (ytd only) | 1.8105% | 5,430 |
| Net charge-offs to loans | 0.1423% | 3,974 |
| Credit loss provision to net charge-offs | 143.1818% | 2,006 |
| Earnings coverage of net charge-offs (x) | 8.9538% | 2,379 |
| Efficiency ratio | 85.9986% | 1,377 |
| Assets per employee ($millions) | 3.2746% | 5,492 |
| Cash dividends to net income (ytd only)* | 63.7870% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 5,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 6,635 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 41.3910% | 6,172 |
| Net loans and leases to deposits | 45.6370% | 6,412 |
| Net loans and leases to core deposits | 48.7539% | 6,364 |
| Total domestic deposits to total assets | 90.6963% | 522 |
| Equity capital to assets | 7.8083% | 6,672 |
| Core capital (leverage) ratio | 7.3774% | 6,683 |
| Tier 1 risk-based capital ratio | 14.0568% | 4,484 |
| Total risk-based capital ratio | 15.0672% | 4,638 |
| Memoranda: | ||
| Average total assets | $105,153,000 | 4,747 |
| Average earning assets | $88,923,500 | 4,940 |
| Average equity | $8,027,250 | 5,551 |
| Average total loans | $41,236,750 | 5,511 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7980% | 6,145 |
| Cost of funding earning assets | 0.3968% | 6,277 |
| Net interest margin | 3.4012% | 5,087 |
| Noninterest income to average assets | 0.6345% | 3,042 |
| Noninterest expense to average assets | 3.0738% | 3,001 |
| Loan and lease loss provision to assets | 0.1140% | 4,106 |
| Net operating income to assets | 0.3192% | 5,549 |
| Return on assets (ROA) | 0.3192% | 5,754 |
| Pretax return on assets | 0.3287% | 5,901 |
| Return on Equity (ROE) | 4.2128% | 5,173 |
| Retained earnings to average equity (ytd only) | -0.6018% | 6,146 |
| Net charge-offs to loans | 0.2280% | 3,207 |
| Credit loss provision to net charge-offs | 130.4348% | 2,104 |
| Earnings coverage of net charge-offs (x) | 5.0652% | 2,916 |
| Efficiency ratio | 87.4122% | 1,296 |
| Assets per employee ($millions) | 3.2265% | 5,599 |
| Cash dividends to net income (ytd only)* | 114.2857% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 4,818 |
| Loan loss allowance to noncurrent loans | 7,571.4286% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 6,686 |
| Noncurrent loans to loans | 0.0174% | 6,646 |
| Net loans and leases to total assets | 38.4569% | 6,443 |
| Net loans and leases to deposits | 42.2971% | 6,630 |
| Net loans and leases to core deposits | 45.1641% | 6,614 |
| Total domestic deposits to total assets | 90.9209% | 477 |
| Equity capital to assets | 7.6912% | 6,715 |
| Core capital (leverage) ratio | 7.0854% | 6,796 |
| Tier 1 risk-based capital ratio | 14.6580% | 3,990 |
| Total risk-based capital ratio | 15.7228% | 4,086 |
| Memoranda: | ||
| Average total assets | $105,275,330 | 4,765 |
| Average earning assets | $89,204,330 | 4,958 |
| Average equity | $7,975,670 | 5,581 |
| Average total loans | $40,347,000 | 5,585 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8038% | 6,233 |
| Cost of funding earning assets | 0.4023% | 6,402 |
| Net interest margin | 3.4016% | 5,113 |
| Noninterest income to average assets | 0.6548% | 2,901 |
| Noninterest expense to average assets | 3.1047% | 2,899 |
| Loan and lease loss provision to assets | 0.1129% | 3,944 |
| Net operating income to assets | 0.2973% | 5,668 |
| Return on assets (ROA) | 0.2973% | 5,832 |
| Pretax return on assets | 0.3011% | 5,976 |
| Return on Equity (ROE) | 3.9535% | 5,316 |
| Retained earnings to average equity (ytd only) | -5.6549% | 6,632 |
| Net charge-offs to loans | 0.2574% | 2,639 |
| Credit loss provision to net charge-offs | 115.3846% | 2,043 |
| Earnings coverage of net charge-offs (x) | 4.2308% | 2,628 |
| Efficiency ratio | 88.2353% | 1,258 |
| Assets per employee ($millions) | 3.1639% | 5,842 |
| Cash dividends to net income (ytd only)* | 243.0380% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 4,802 |
| Loan loss allowance to noncurrent loans | 1,368.4211% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 6,677 |
| Noncurrent loans to loans | 0.0986% | 6,512 |
| Net loans and leases to total assets | 36.3995% | 6,600 |
| Net loans and leases to deposits | 39.9495% | 6,737 |
| Net loans and leases to core deposits | 42.6125% | 6,715 |
| Total domestic deposits to total assets | 91.1137% | 505 |
| Equity capital to assets | 7.5818% | 6,753 |
| Core capital (leverage) ratio | 6.8264% | 6,897 |
| Tier 1 risk-based capital ratio | 14.8332% | 3,867 |
| Total risk-based capital ratio | 15.9034% | 3,945 |
| Memoranda: | ||
| Average total assets | $106,289,000 | 4,783 |
| Average earning assets | $89,488,500 | 4,980 |
| Average equity | $7,993,000 | 5,599 |
| Average total loans | $40,402,500 | 5,624 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 5,724 |
| Cost of funding earning assets | 0.5267% | 6,428 |
| Net interest margin | 3.7868% | 3,894 |
| Noninterest income to average assets | 0.5666% | 3,380 |
| Noninterest expense to average assets | 3.1827% | 2,928 |
| Loan and lease loss provision to assets | 0.0693% | 5,745 |
| Net operating income to assets | 0.4527% | 4,627 |
| Return on assets (ROA) | 0.4527% | 4,839 |
| Pretax return on assets | 0.5121% | 4,957 |
| Return on Equity (ROE) | 5.9274% | 3,905 |
| Retained earnings to average equity (ytd only) | 1.5435% | 5,107 |
| Net charge-offs to loans | 0.0987% | 5,361 |
| Credit loss provision to net charge-offs | 159.0909% | 1,743 |
| Earnings coverage of net charge-offs (x) | 13.3409% | 1,549 |
| Efficiency ratio | 84.5526% | 1,703 |
| Assets per employee ($millions) | 3.2779% | 5,561 |
| Cash dividends to net income (ytd only)* | 73.9606% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 5,292 |
| Loan loss allowance to noncurrent loans | 115.4362% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 5,818 |
| Noncurrent loans to loans | 1.0572% | 4,594 |
| Net loans and leases to total assets | 38.6105% | 6,623 |
| Net loans and leases to deposits | 42.4256% | 6,788 |
| Net loans and leases to core deposits | 45.0559% | 6,768 |
| Total domestic deposits to total assets | 91.0077% | 507 |
| Equity capital to assets | 7.4605% | 6,825 |
| Core capital (leverage) ratio | 7.0925% | 6,835 |
| Tier 1 risk-based capital ratio | 14.6105% | 3,895 |
| Total risk-based capital ratio | 15.6404% | 4,019 |
| Memoranda: | ||
| Average total assets | $100,953,600 | 4,867 |
| Average earning assets | $85,243,400 | 5,082 |
| Average equity | $7,710,000 | 5,660 |
| Average total loans | $44,563,600 | 5,488 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 5,804 |
| Cost of funding earning assets | 0.5526% | 6,503 |
| Net interest margin | 3.7893% | 3,929 |
| Noninterest income to average assets | 0.5809% | 3,297 |
| Noninterest expense to average assets | 3.3094% | 2,467 |
| Loan and lease loss provision to assets | 0.0538% | 5,773 |
| Net operating income to assets | 0.4155% | 4,926 |
| Return on assets (ROA) | 0.4155% | 5,119 |
| Pretax return on assets | 0.4451% | 5,327 |
| Return on Equity (ROE) | 5.4067% | 4,333 |
| Retained earnings to average equity (ytd only) | -0.5075% | 6,070 |
| Net charge-offs to loans | -0.0236% | 6,940 |
| Credit loss provision to net charge-offs | -500.0000% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8997% | 1,447 |
| Assets per employee ($millions) | 3.0223% | 6,065 |
| Cash dividends to net income (ytd only)* | 109.3862% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 5,760 |
| Loan loss allowance to noncurrent loans | 1,793.3333% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 6,985 |
| Noncurrent loans to loans | 0.0631% | 6,771 |
| Net loans and leases to total assets | 47.1159% | 6,041 |
| Net loans and leases to deposits | 52.1485% | 6,350 |
| Net loans and leases to core deposits | 55.8997% | 6,328 |
| Total domestic deposits to total assets | 90.3494% | 696 |
| Equity capital to assets | 7.9039% | 6,754 |
| Core capital (leverage) ratio | 7.2427% | 6,885 |
| Tier 1 risk-based capital ratio | 13.5823% | 4,670 |
| Total risk-based capital ratio | 14.6012% | 4,810 |
| Memoranda: | ||
| Average total assets | $99,149,500 | 4,949 |
| Average earning assets | $84,446,250 | 5,143 |
| Average equity | $7,620,000 | 5,714 |
| Average total loans | $45,134,250 | 5,510 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 6,338 |
| Cost of funding earning assets | 0.5529% | 6,651 |
| Net interest margin | 3.6214% | 4,643 |
| Noninterest income to average assets | 0.5841% | 3,238 |
| Noninterest expense to average assets | 3.3713% | 2,339 |
| Loan and lease loss provision to assets | 0.0808% | 5,301 |
| Net operating income to assets | 0.2547% | 5,545 |
| Return on assets (ROA) | 0.2547% | 5,664 |
| Pretax return on assets | 0.2163% | 5,898 |
| Return on Equity (ROE) | 3.3456% | 5,238 |
| Retained earnings to average equity (ytd only) | -5.6291% | 6,617 |
| Net charge-offs to loans | -0.0361% | 6,962 |
| Credit loss provision to net charge-offs | -500.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9008% | 1,102 |
| Assets per employee ($millions) | 3.0106% | 6,064 |
| Cash dividends to net income (ytd only)* | 268.2540% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 5,603 |
| Loan loss allowance to noncurrent loans | 104.0619% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 5,875 |
| Noncurrent loans to loans | 1.1410% | 4,748 |
| Net loans and leases to total assets | 45.0684% | 6,346 |
| Net loans and leases to deposits | 49.8015% | 6,615 |
| Net loans and leases to core deposits | 54.2064% | 6,546 |
| Total domestic deposits to total assets | 90.4961% | 715 |
| Equity capital to assets | 7.6266% | 6,890 |
| Core capital (leverage) ratio | 7.0654% | 6,970 |
| Tier 1 risk-based capital ratio | 10.7185% | 6,704 |
| Total risk-based capital ratio | 11.5436% | 6,868 |
| Memoranda: | ||
| Average total assets | $98,954,330 | 4,990 |
| Average earning assets | $84,275,670 | 5,183 |
| Average equity | $7,532,330 | 5,756 |
| Average total loans | $44,336,000 | 5,598 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 6,435 |
| Cost of funding earning assets | 0.5479% | 6,810 |
| Net interest margin | 3.5854% | 4,635 |
| Noninterest income to average assets | 0.6157% | 3,066 |
| Noninterest expense to average assets | 3.3780% | 2,338 |
| Loan and lease loss provision to assets | 0.1215% | 4,491 |
| Net operating income to assets | 0.2066% | 5,766 |
| Return on assets (ROA) | 0.2066% | 5,828 |
| Pretax return on assets | 0.1377% | 6,080 |
| Return on Equity (ROE) | 2.7164% | 5,511 |
| Retained earnings to average equity (ytd only) | -15.2863% | 7,054 |
| Net charge-offs to loans | 0.1642% | 3,497 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 3.5556% | 2,708 |
| Efficiency ratio | 92.8731% | 1,104 |
| Assets per employee ($millions) | 3.0015% | 6,140 |
| Cash dividends to net income (ytd only)* | 662.7451% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 5,646 |
| Loan loss allowance to noncurrent loans | 97.4757% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 5,941 |
| Noncurrent loans to loans | 1.2287% | 4,630 |
| Net loans and leases to total assets | 41.8100% | 6,638 |
| Net loans and leases to deposits | 46.0799% | 6,842 |
| Net loans and leases to core deposits | 48.9035% | 6,838 |
| Total domestic deposits to total assets | 90.7338% | 749 |
| Equity capital to assets | 7.5034% | 6,867 |
| Core capital (leverage) ratio | 6.9725% | 7,023 |
| Tier 1 risk-based capital ratio | 12.9402% | 4,871 |
| Total risk-based capital ratio | 13.8796% | 5,115 |
| Memoranda: | ||
| Average total assets | $98,757,000 | 5,031 |
| Average earning assets | $83,226,500 | 5,263 |
| Average equity | $7,510,000 | 5,773 |
| Average total loans | $43,847,500 | 5,662 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 4,328 |
| Cost of funding earning assets | 0.7610% | 6,703 |
| Net interest margin | 4.2868% | 1,871 |
| Noninterest income to average assets | 0.6513% | 3,145 |
| Noninterest expense to average assets | 3.5898% | 1,949 |
| Loan and lease loss provision to assets | 0.0722% | 6,424 |
| Net operating income to assets | 0.5079% | 4,059 |
| Return on assets (ROA) | 0.5079% | 4,218 |
| Pretax return on assets | 0.5701% | 4,418 |
| Return on Equity (ROE) | 5.9648% | 3,623 |
| Retained earnings to average equity (ytd only) | 0.9920% | 5,042 |
| Net charge-offs to loans | 0.2200% | 4,974 |
| Credit loss provision to net charge-offs | 65.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | 5.7800% | 2,536 |
| Efficiency ratio | 84.8214% | 1,821 |
| Assets per employee ($millions) | 2.9838% | 6,133 |
| Cash dividends to net income (ytd only)* | 83.3698% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 6,074 |
| Loan loss allowance to noncurrent loans | 9,800.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 7,256 |
| Noncurrent loans to loans | 0.0109% | 7,133 |
| Net loans and leases to total assets | 45.9966% | 6,557 |
| Net loans and leases to deposits | 50.7792% | 6,813 |
| Net loans and leases to core deposits | 53.5462% | 6,834 |
| Total domestic deposits to total assets | 90.5815% | 800 |
| Equity capital to assets | 7.7062% | 6,749 |
| Core capital (leverage) ratio | 7.5508% | 6,659 |
| Tier 1 risk-based capital ratio | 12.3969% | 5,117 |
| Total risk-based capital ratio | 13.2405% | 5,462 |
| Memoranda: | ||
| Average total assets | $89,977,400 | 5,288 |
| Average earning assets | $75,161,400 | 5,505 |
| Average equity | $7,661,600 | 5,822 |
| Average total loans | $45,459,800 | 5,686 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1436% | 4,104 |
| Cost of funding earning assets | 0.8224% | 6,679 |
| Net interest margin | 4.3212% | 1,769 |
| Noninterest income to average assets | 0.6738% | 2,991 |
| Noninterest expense to average assets | 3.6635% | 1,643 |
| Loan and lease loss provision to assets | 0.0379% | 6,702 |
| Net operating income to assets | 0.5130% | 4,253 |
| Return on assets (ROA) | 0.5130% | 4,444 |
| Pretax return on assets | 0.5767% | 4,672 |
| Return on Equity (ROE) | 5.8680% | 3,875 |
| Retained earnings to average equity (ytd only) | -0.0348% | 5,792 |
| Net charge-offs to loans | 0.0617% | 5,891 |
| Credit loss provision to net charge-offs | 119.0476% | 3,477 |
| Earnings coverage of net charge-offs (x) | 19.2854% | 1,215 |
| Efficiency ratio | 85.6332% | 1,671 |
| Assets per employee ($millions) | 2.6370% | 6,866 |
| Cash dividends to net income (ytd only)* | 100.5902% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 6,239 |
| Loan loss allowance to noncurrent loans | 285.9459% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 6,833 |
| Noncurrent loans to loans | 0.3620% | 6,471 |
| Net loans and leases to total assets | 58.1232% | 5,243 |
| Net loans and leases to deposits | 65.5810% | 5,711 |
| Net loans and leases to core deposits | 69.4122% | 5,808 |
| Total domestic deposits to total assets | 88.6282% | 1,607 |
| Equity capital to assets | 9.0310% | 5,533 |
| Core capital (leverage) ratio | 8.2783% | 5,914 |
| Tier 1 risk-based capital ratio | 11.7797% | 5,661 |
| Total risk-based capital ratio | 12.6546% | 6,003 |
| Memoranda: | ||
| Average total assets | $87,855,250 | 5,419 |
| Average earning assets | $73,279,500 | 5,626 |
| Average equity | $7,680,000 | 5,883 |
| Average total loans | $45,379,500 | 5,769 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0737% | 4,591 |
| Cost of funding earning assets | 0.8775% | 6,659 |
| Net interest margin | 4.1963% | 2,168 |
| Noninterest income to average assets | 0.6808% | 2,814 |
| Noninterest expense to average assets | 3.6672% | 1,632 |
| Loan and lease loss provision to assets | 0.0113% | 6,791 |
| Net operating income to assets | 0.4198% | 4,662 |
| Return on assets (ROA) | 0.4198% | 4,819 |
| Pretax return on assets | 0.4425% | 5,086 |
| Return on Equity (ROE) | 4.8554% | 4,356 |
| Retained earnings to average equity (ytd only) | -4.0681% | 6,447 |
| Net charge-offs to loans | 0.0552% | 5,612 |
| Credit loss provision to net charge-offs | 41.6667% | 5,585 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,390 |
| Efficiency ratio | 88.9868% | 1,415 |
| Assets per employee ($millions) | 2.5700% | 7,002 |
| Cash dividends to net income (ytd only)* | 183.7838% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 5,752 |
| Loan loss allowance to noncurrent loans | 6,475.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 7,392 |
| Noncurrent loans to loans | 0.0176% | 7,285 |
| Net loans and leases to total assets | 53.0568% | 6,103 |
| Net loans and leases to deposits | 59.5038% | 6,455 |
| Net loans and leases to core deposits | 63.8206% | 6,414 |
| Total domestic deposits to total assets | 89.1653% | 1,344 |
| Equity capital to assets | 8.9882% | 5,467 |
| Core capital (leverage) ratio | 8.0376% | 6,224 |
| Tier 1 risk-based capital ratio | 12.2685% | 5,063 |
| Total risk-based capital ratio | 13.1803% | 5,347 |
| Memoranda: | ||
| Average total assets | $88,133,000 | 5,446 |
| Average earning assets | $72,254,670 | 5,697 |
| Average equity | $7,620,330 | 5,918 |
| Average total loans | $43,469,670 | 5,890 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0498% | 4,787 |
| Cost of funding earning assets | 0.9085% | 6,738 |
| Net interest margin | 4.1413% | 2,261 |
| Noninterest income to average assets | 0.6949% | 2,633 |
| Noninterest expense to average assets | 3.6439% | 1,628 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3564% | 5,047 |
| Return on assets (ROA) | 0.3564% | 5,174 |
| Pretax return on assets | 0.3608% | 5,412 |
| Return on Equity (ROE) | 4.2000% | 4,804 |
| Retained earnings to average equity (ytd only) | -13.6501% | 7,154 |
| Net charge-offs to loans | 0.0942% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 8.1000% | 1,992 |
| Efficiency ratio | 90.9900% | 1,351 |
| Assets per employee ($millions) | 2.5889% | 7,061 |
| Cash dividends to net income (ytd only)* | 425.0000% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 5,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 45.8739% | 6,840 |
| Net loans and leases to deposits | 51.0990% | 7,075 |
| Net loans and leases to core deposits | 54.6414% | 7,070 |
| Total domestic deposits to total assets | 89.7744% | 1,098 |
| Equity capital to assets | 8.5670% | 5,915 |
| Core capital (leverage) ratio | 7.6318% | 6,697 |
| Tier 1 risk-based capital ratio | 12.5478% | 4,700 |
| Total risk-based capital ratio | 13.4891% | 4,929 |
| Memoranda: | ||
| Average total assets | $89,794,000 | 5,463 |
| Average earning assets | $71,765,500 | 5,783 |
| Average equity | $7,619,000 | 5,974 |
| Average total loans | $42,446,500 | 6,006 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 5,011 |
| Cost of funding earning assets | 1.1440% | 6,838 |
| Net interest margin | 4.1896% | 2,104 |
| Noninterest income to average assets | 0.6845% | 3,060 |
| Noninterest expense to average assets | 3.6759% | 1,964 |
| Loan and lease loss provision to assets | 0.1210% | 6,432 |
| Net operating income to assets | 0.3709% | 4,246 |
| Return on assets (ROA) | 0.5013% | 3,819 |
| Pretax return on assets | 0.6418% | 3,773 |
| Return on Equity (ROE) | 6.1268% | 3,163 |
| Retained earnings to average equity (ytd only) | -0.3521% | 5,044 |
| Net charge-offs to loans | 0.0368% | 6,754 |
| Credit loss provision to net charge-offs | 656.2500% | 444 |
| Earnings coverage of net charge-offs (x) | 32.3125% | 719 |
| Efficiency ratio | 86.0534% | 2,107 |
| Assets per employee ($millions) | 2.6931% | 6,866 |
| Cash dividends to net income (ytd only)* | 105.7471% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 5,395 |
| Loan loss allowance to noncurrent loans | 2,768.4211% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 7,474 |
| Noncurrent loans to loans | 0.0432% | 7,324 |
| Net loans and leases to total assets | 47.4772% | 6,848 |
| Net loans and leases to deposits | 52.7791% | 7,116 |
| Net loans and leases to core deposits | 66.3229% | 6,964 |
| Total domestic deposits to total assets | 89.9546% | 986 |
| Equity capital to assets | 8.4061% | 6,050 |
| Core capital (leverage) ratio | 8.1041% | 5,987 |
| Tier 1 risk-based capital ratio | 13.7035% | 3,682 |
| Total risk-based capital ratio | 14.7132% | 3,792 |
| Memoranda: | ||
| Average total assets | $86,780,600 | 5,494 |
| Average earning assets | $74,302,600 | 5,664 |
| Average equity | $7,100,000 | 6,236 |
| Average total loans | $43,463,600 | 5,960 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2951% | 5,448 |
| Cost of funding earning assets | 1.1718% | 6,967 |
| Net interest margin | 4.1233% | 2,309 |
| Noninterest income to average assets | 0.6964% | 3,038 |
| Noninterest expense to average assets | 3.7436% | 1,717 |
| Loan and lease loss provision to assets | 0.1324% | 6,037 |
| Net operating income to assets | 0.3677% | 4,523 |
| Return on assets (ROA) | 0.3677% | 4,626 |
| Pretax return on assets | 0.4549% | 4,654 |
| Return on Equity (ROE) | 4.5270% | 4,148 |
| Retained earnings to average equity (ytd only) | -4.2968% | 6,153 |
| Net charge-offs to loans | 0.0677% | 6,017 |
| Credit loss provision to net charge-offs | 386.3636% | 1,045 |
| Earnings coverage of net charge-offs (x) | 17.1377% | 1,423 |
| Efficiency ratio | 86.4388% | 2,016 |
| Assets per employee ($millions) | 2.4848% | 7,250 |
| Cash dividends to net income (ytd only)* | 194.9151% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 5,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 55.2632% | 6,233 |
| Net loans and leases to deposits | 61.1620% | 6,738 |
| Net loans and leases to core deposits | 78.9849% | 6,420 |
| Total domestic deposits to total assets | 90.3555% | 638 |
| Equity capital to assets | 8.1981% | 6,643 |
| Core capital (leverage) ratio | 8.3457% | 5,760 |
| Tier 1 risk-based capital ratio | 11.0055% | 5,950 |
| Total risk-based capital ratio | 11.8000% | 6,376 |
| Memoranda: | ||
| Average total assets | $85,584,750 | 5,565 |
| Average earning assets | $75,438,750 | 5,655 |
| Average equity | $6,950,750 | 6,330 |
| Average total loans | $43,330,000 | 6,009 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2516% | 5,859 |
| Cost of funding earning assets | 1.1954% | 7,117 |
| Net interest margin | 4.0563% | 2,484 |
| Noninterest income to average assets | 0.6585% | 3,277 |
| Noninterest expense to average assets | 3.7114% | 1,818 |
| Loan and lease loss provision to assets | 0.1280% | 5,821 |
| Net operating income to assets | 0.3025% | 4,887 |
| Return on assets (ROA) | 0.3025% | 4,999 |
| Pretax return on assets | 0.3723% | 5,010 |
| Return on Equity (ROE) | 3.7362% | 4,602 |
| Retained earnings to average equity (ytd only) | -7.7597% | 6,643 |
| Net charge-offs to loans | 0.0951% | 5,225 |
| Credit loss provision to net charge-offs | 275.0000% | 1,701 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 1,964 |
| Efficiency ratio | 88.1215% | 2,006 |
| Assets per employee ($millions) | 2.3717% | 7,468 |
| Cash dividends to net income (ytd only)* | 307.6923% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 5,754 |
| Loan loss allowance to noncurrent loans | 143.0303% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 6,470 |
| Noncurrent loans to loans | 0.7514% | 5,736 |
| Net loans and leases to total assets | 52.3401% | 6,641 |
| Net loans and leases to deposits | 58.0003% | 7,028 |
| Net loans and leases to core deposits | 75.3560% | 6,714 |
| Total domestic deposits to total assets | 90.2411% | 735 |
| Equity capital to assets | 8.2881% | 6,349 |
| Core capital (leverage) ratio | 8.1318% | 6,109 |
| Tier 1 risk-based capital ratio | 13.2102% | 3,992 |
| Total risk-based capital ratio | 14.1165% | 4,148 |
| Memoranda: | ||
| Average total assets | $85,952,000 | 5,583 |
| Average earning assets | $75,291,000 | 5,702 |
| Average equity | $6,959,000 | 6,385 |
| Average total loans | $42,044,000 | 6,110 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3734% | 5,558 |
| Cost of funding earning assets | 1.2179% | 7,258 |
| Net interest margin | 4.1555% | 2,071 |
| Noninterest income to average assets | 0.6497% | 3,201 |
| Noninterest expense to average assets | 3.5689% | 1,935 |
| Loan and lease loss provision to assets | 0.1373% | 5,206 |
| Net operating income to assets | 0.4438% | 4,675 |
| Return on assets (ROA) | 0.4438% | 4,850 |
| Pretax return on assets | 0.5811% | 4,814 |
| Return on Equity (ROE) | 5.5440% | 4,237 |
| Retained earnings to average equity (ytd only) | -17.3180% | 7,551 |
| Net charge-offs to loans | 0.0487% | 4,800 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 31.4000% | 1,023 |
| Efficiency ratio | 83.2444% | 2,384 |
| Assets per employee ($millions) | 2.4347% | 7,400 |
| Cash dividends to net income (ytd only)* | 412.3711% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 4,973 |
| Loan loss allowance to noncurrent loans | 6,600.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 7,620 |
| Noncurrent loans to loans | 0.0178% | 7,510 |
| Net loans and leases to total assets | 45.7172% | 7,210 |
| Net loans and leases to deposits | 50.5371% | 7,471 |
| Net loans and leases to core deposits | 65.5776% | 7,253 |
| Total domestic deposits to total assets | 90.4627% | 611 |
| Equity capital to assets | 8.0352% | 6,757 |
| Core capital (leverage) ratio | 7.7009% | 6,886 |
| Tier 1 risk-based capital ratio | 13.4437% | 3,900 |
| Total risk-based capital ratio | 14.3508% | 4,032 |
| Memoranda: | ||
| Average total assets | $87,422,500 | 5,569 |
| Average earning assets | $76,524,500 | 5,673 |
| Average equity | $6,998,500 | 6,412 |
| Average total loans | $41,106,000 | 6,186 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2014% | 4,510 |
| Cost of funding earning assets | 1.7738% | 7,079 |
| Net interest margin | 4.4275% | 1,602 |
| Noninterest income to average assets | 0.6849% | 3,211 |
| Noninterest expense to average assets | 3.6343% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7455% | 3,692 |
| Return on assets (ROA) | 0.7455% | 3,531 |
| Pretax return on assets | 1.0484% | 3,217 |
| Return on Equity (ROE) | 9.2547% | 2,546 |
| Retained earnings to average equity (ytd only) | 4.9166% | 2,076 |
| Net charge-offs to loans | 0.0357% | 6,303 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 56.2500% | 702 |
| Efficiency ratio | 77.6119% | 2,977 |
| Assets per employee ($millions) | 2.5609% | 7,085 |
| Cash dividends to net income (ytd only)* | 46.8750% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 5,845 |
| Loan loss allowance to noncurrent loans | 7,283.3333% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 7,617 |
| Noncurrent loans to loans | 0.0140% | 7,482 |
| Net loans and leases to total assets | 47.2554% | 7,237 |
| Net loans and leases to deposits | 52.3553% | 7,519 |
| Net loans and leases to core deposits | 67.0307% | 7,328 |
| Total domestic deposits to total assets | 90.2591% | 562 |
| Equity capital to assets | 7.9771% | 6,879 |
| Core capital (leverage) ratio | 8.0086% | 6,474 |
| Tier 1 risk-based capital ratio | 13.4578% | 3,847 |
| Total risk-based capital ratio | 14.2803% | 4,002 |
| Memoranda: | ||
| Average total assets | $85,848,600 | 5,488 |
| Average earning assets | $77,515,200 | 5,524 |
| Average equity | $6,915,400 | 6,489 |
| Average total loans | $44,841,800 | 5,933 |