Home > Pender State Bank > Performance and Condition Ratios
Pender State Bank, Performance and Condition Ratios
| 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 | 4.0930% | 2,973 |
| Cost of funding earning assets | 0.7255% | 733 |
| Net interest margin | 3.3675% | 4,087 |
| Noninterest income to average assets | 0.0887% | 5,997 |
| Noninterest expense to average assets | 1.4064% | 6,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7890% | 533 |
| Return on assets (ROA) | 1.7890% | 556 |
| Pretax return on assets | 1.8297% | 840 |
| Return on Equity (ROE) | 14.0852% | 882 |
| Retained earnings to average equity (ytd only) | 1.4525% | 5,136 |
| Net charge-offs to loans | -0.0042% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3613% | 6,054 |
| Assets per employee ($millions) | 9.9604% | 274 |
| Cash dividends to net income (ytd only)* | 89.6876% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 4,850 |
| Loan loss allowance to noncurrent loans | 980.1527% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 5,449 |
| Noncurrent loans to loans | 0.0998% | 5,235 |
| Net loans and leases to total assets | 76.7661% | 1,280 |
| Net loans and leases to deposits | 91.2323% | 1,498 |
| Net loans and leases to core deposits | 124.3435% | 367 |
| Total domestic deposits to total assets | 84.1436% | 3,363 |
| Equity capital to assets | 12.6626% | 1,645 |
| Core capital (leverage) ratio | 9.1438% | 4,820 |
| Tier 1 risk-based capital ratio | 10.0596% | 6,026 |
| Total risk-based capital ratio | 10.9266% | 6,081 |
| Memoranda: | ||
| Average total assets | $166,941,750 | 3,383 |
| Average earning assets | $156,036,500 | 3,343 |
| Average equity | $21,203,750 | 3,073 |
| Average total loans | $125,937,500 | 2,977 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9697% | 3,406 |
| Cost of funding earning assets | 0.7249% | 739 |
| Net interest margin | 3.2448% | 4,519 |
| Noninterest income to average assets | 0.0915% | 6,054 |
| Noninterest expense to average assets | 1.4180% | 6,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6684% | 661 |
| Return on assets (ROA) | 1.6684% | 687 |
| Pretax return on assets | 1.7069% | 1,076 |
| Return on Equity (ROE) | 13.1221% | 1,089 |
| Retained earnings to average equity (ytd only) | 0.7858% | 5,247 |
| Net charge-offs to loans | -0.0048% | 4,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2234% | 6,065 |
| Assets per employee ($millions) | 9.8504% | 271 |
| Cash dividends to net income (ytd only)* | 94.0115% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 4,850 |
| Loan loss allowance to noncurrent loans | 613.8756% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 5,366 |
| Noncurrent loans to loans | 0.1637% | 5,109 |
| Net loans and leases to total assets | 75.4736% | 1,442 |
| Net loans and leases to deposits | 91.7815% | 1,398 |
| Net loans and leases to core deposits | 127.3452% | 321 |
| Total domestic deposits to total assets | 82.2318% | 4,220 |
| Equity capital to assets | 12.7001% | 1,546 |
| Core capital (leverage) ratio | 9.2049% | 4,687 |
| Tier 1 risk-based capital ratio | 10.4217% | 5,950 |
| Total risk-based capital ratio | 11.3282% | 6,011 |
| Memoranda: | ||
| Average total assets | $166,147,000 | 3,409 |
| Average earning assets | $155,326,330 | 3,371 |
| Average equity | $21,124,670 | 3,098 |
| Average total loans | $124,160,330 | 3,017 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 3,726 |
| Cost of funding earning assets | 0.7187% | 779 |
| Net interest margin | 3.1565% | 4,763 |
| Noninterest income to average assets | 0.0967% | 6,100 |
| Noninterest expense to average assets | 1.4212% | 6,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5880% | 724 |
| Return on assets (ROA) | 1.5880% | 762 |
| Pretax return on assets | 1.6267% | 1,201 |
| Return on Equity (ROE) | 12.4825% | 1,223 |
| Retained earnings to average equity (ytd only) | -1.0450% | 5,563 |
| Net charge-offs to loans | 0.0065% | 3,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 336.5000% | 165 |
| Efficiency ratio | 46.3125% | 6,090 |
| Assets per employee ($millions) | 9.0508% | 359 |
| Cash dividends to net income (ytd only)* | 108.3714% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 4,687 |
| Loan loss allowance to noncurrent loans | 322.7273% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 4,967 |
| Noncurrent loans to loans | 0.3299% | 4,612 |
| Net loans and leases to total assets | 72.9024% | 1,673 |
| Net loans and leases to deposits | 85.3612% | 1,911 |
| Net loans and leases to core deposits | 116.5911% | 505 |
| Total domestic deposits to total assets | 85.4047% | 3,217 |
| Equity capital to assets | 12.9546% | 1,428 |
| Core capital (leverage) ratio | 9.3263% | 4,531 |
| Tier 1 risk-based capital ratio | 10.8296% | 5,888 |
| Total risk-based capital ratio | 11.7767% | 5,943 |
| Memoranda: | ||
| Average total assets | $165,492,500 | 3,435 |
| Average earning assets | $154,727,000 | 3,396 |
| Average equity | $21,053,500 | 3,132 |
| Average total loans | $122,406,500 | 3,052 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 2,992 |
| Cost of funding earning assets | 0.7748% | 743 |
| Net interest margin | 3.4115% | 4,151 |
| Noninterest income to average assets | 0.1118% | 6,113 |
| Noninterest expense to average assets | 1.5156% | 6,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7242% | 553 |
| Return on assets (ROA) | 1.7242% | 564 |
| Pretax return on assets | 1.7621% | 862 |
| Return on Equity (ROE) | 13.3727% | 1,066 |
| Retained earnings to average equity (ytd only) | 3.2120% | 3,948 |
| Net charge-offs to loans | 0.0040% | 4,869 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 567.6000% | 91 |
| Efficiency ratio | 45.7852% | 6,272 |
| Assets per employee ($millions) | 9.3372% | 301 |
| Cash dividends to net income (ytd only)* | 75.9813% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 4,920 |
| Loan loss allowance to noncurrent loans | 955.2239% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 5,709 |
| Noncurrent loans to loans | 0.1074% | 5,468 |
| Net loans and leases to total assets | 73.4730% | 1,673 |
| Net loans and leases to deposits | 89.2762% | 1,586 |
| Net loans and leases to core deposits | 128.5576% | 264 |
| Total domestic deposits to total assets | 82.2984% | 4,313 |
| Equity capital to assets | 12.4960% | 1,654 |
| Core capital (leverage) ratio | 9.4063% | 4,371 |
| Tier 1 risk-based capital ratio | 11.1877% | 5,823 |
| Total risk-based capital ratio | 12.1642% | 5,872 |
| Memoranda: | ||
| Average total assets | $161,058,800 | 3,475 |
| Average earning assets | $149,465,600 | 3,452 |
| Average equity | $20,766,200 | 3,073 |
| Average total loans | $124,156,800 | 2,969 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 2,870 |
| Cost of funding earning assets | 0.7908% | 720 |
| Net interest margin | 3.4429% | 4,049 |
| Noninterest income to average assets | 0.1121% | 6,200 |
| Noninterest expense to average assets | 1.5483% | 6,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7283% | 582 |
| Return on assets (ROA) | 1.7283% | 604 |
| Pretax return on assets | 1.7592% | 962 |
| Return on Equity (ROE) | 13.2961% | 1,138 |
| Retained earnings to average equity (ytd only) | 4.4106% | 3,514 |
| Net charge-offs to loans | -0.0022% | 5,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3563% | 6,280 |
| Assets per employee ($millions) | 8.4426% | 434 |
| Cash dividends to net income (ytd only)* | 66.8281% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 4,878 |
| Loan loss allowance to noncurrent loans | 277.9698% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 5,113 |
| Noncurrent loans to loans | 0.3850% | 4,759 |
| Net loans and leases to total assets | 74.1749% | 1,500 |
| Net loans and leases to deposits | 87.3283% | 1,750 |
| Net loans and leases to core deposits | 127.5311% | 264 |
| Total domestic deposits to total assets | 84.9380% | 3,361 |
| Equity capital to assets | 13.0752% | 1,390 |
| Core capital (leverage) ratio | 9.6181% | 4,211 |
| Tier 1 risk-based capital ratio | 11.5482% | 5,766 |
| Total risk-based capital ratio | 12.5610% | 5,811 |
| Memoranda: | ||
| Average total assets | $159,306,000 | 3,527 |
| Average earning assets | $147,854,250 | 3,511 |
| Average equity | $20,707,250 | 3,095 |
| Average total loans | $124,004,500 | 2,995 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 2,891 |
| Cost of funding earning assets | 0.8025% | 693 |
| Net interest margin | 3.4139% | 4,119 |
| Noninterest income to average assets | 0.1082% | 6,253 |
| Noninterest expense to average assets | 1.5604% | 6,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6786% | 599 |
| Return on assets (ROA) | 1.6786% | 637 |
| Pretax return on assets | 1.7063% | 1,006 |
| Return on Equity (ROE) | 12.9399% | 1,190 |
| Retained earnings to average equity (ytd only) | 5.2478% | 2,800 |
| Net charge-offs to loans | -0.0016% | 5,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3035% | 6,315 |
| Assets per employee ($millions) | 8.3610% | 428 |
| Cash dividends to net income (ytd only)* | 59.4453% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 5,159 |
| Loan loss allowance to noncurrent loans | 3,475.6757% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 6,151 |
| Noncurrent loans to loans | 0.0299% | 5,972 |
| Net loans and leases to total assets | 77.1300% | 1,034 |
| Net loans and leases to deposits | 90.7306% | 1,296 |
| Net loans and leases to core deposits | 138.6095% | 145 |
| Total domestic deposits to total assets | 85.0100% | 3,503 |
| Equity capital to assets | 13.1141% | 1,313 |
| Core capital (leverage) ratio | 9.4677% | 4,374 |
| Tier 1 risk-based capital ratio | 11.1429% | 5,992 |
| Total risk-based capital ratio | 12.1295% | 6,045 |
| Memoranda: | ||
| Average total assets | $158,938,000 | 3,552 |
| Average earning assets | $147,045,330 | 3,536 |
| Average equity | $20,618,330 | 3,105 |
| Average total loans | $125,249,000 | 2,965 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 2,800 |
| Cost of funding earning assets | 0.7872% | 797 |
| Net interest margin | 3.4322% | 3,974 |
| Noninterest income to average assets | 0.1006% | 6,332 |
| Noninterest expense to average assets | 1.5298% | 6,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7160% | 559 |
| Return on assets (ROA) | 1.7160% | 578 |
| Pretax return on assets | 1.7411% | 894 |
| Return on Equity (ROE) | 13.3002% | 1,081 |
| Retained earnings to average equity (ytd only) | 8.4247% | 1,444 |
| Net charge-offs to loans | -0.0032% | 4,750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3077% | 6,413 |
| Assets per employee ($millions) | 8.4277% | 410 |
| Cash dividends to net income (ytd only)* | 36.6569% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 5,367 |
| Loan loss allowance to noncurrent loans | 1,169.0909% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 6,061 |
| Noncurrent loans to loans | 0.0888% | 5,862 |
| Net loans and leases to total assets | 76.5911% | 936 |
| Net loans and leases to deposits | 90.0820% | 1,139 |
| Net loans and leases to core deposits | 136.8112% | 144 |
| Total domestic deposits to total assets | 85.0238% | 3,855 |
| Equity capital to assets | 12.9429% | 1,330 |
| Core capital (leverage) ratio | 9.4392% | 4,363 |
| Tier 1 risk-based capital ratio | 10.8634% | 6,212 |
| Total risk-based capital ratio | 11.8329% | 6,277 |
| Memoranda: | ||
| Average total assets | $158,977,500 | 3,573 |
| Average earning assets | $146,845,500 | 3,568 |
| Average equity | $20,511,000 | 3,117 |
| Average total loans | $125,966,500 | 2,948 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6067% | 1,856 |
| Cost of funding earning assets | 0.8519% | 942 |
| Net interest margin | 3.7548% | 2,826 |
| Noninterest income to average assets | 0.1132% | 6,341 |
| Noninterest expense to average assets | 1.5648% | 6,532 |
| Loan and lease loss provision to assets | -0.1324% | 6,522 |
| Net operating income to assets | 2.0913% | 293 |
| Return on assets (ROA) | 2.0913% | 292 |
| Pretax return on assets | 2.1337% | 358 |
| Return on Equity (ROE) | 16.2674% | 592 |
| Retained earnings to average equity (ytd only) | 8.5767% | 883 |
| Net charge-offs to loans | -0.1323% | 6,542 |
| Credit loss provision to net charge-offs | 121.9512% | 1,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4355% | 6,626 |
| Assets per employee ($millions) | 8.3067% | 415 |
| Cash dividends to net income (ytd only)* | 47.2768% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 5,542 |
| Loan loss allowance to noncurrent loans | 1,079.8319% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 6,124 |
| Noncurrent loans to loans | 0.0930% | 5,935 |
| Net loans and leases to total assets | 80.2893% | 568 |
| Net loans and leases to deposits | 94.3798% | 850 |
| Net loans and leases to core deposits | 153.2144% | 83 |
| Total domestic deposits to total assets | 85.0705% | 3,703 |
| Equity capital to assets | 12.8602% | 1,339 |
| Core capital (leverage) ratio | 9.5399% | 4,204 |
| Tier 1 risk-based capital ratio | 10.2993% | 6,434 |
| Total risk-based capital ratio | 11.2465% | 6,482 |
| Memoranda: | ||
| Average total assets | $151,006,600 | 3,684 |
| Average earning assets | $138,863,000 | 3,682 |
| Average equity | $19,413,000 | 3,228 |
| Average total loans | $123,933,800 | 2,959 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5847% | 1,953 |
| Cost of funding earning assets | 0.8586% | 995 |
| Net interest margin | 3.7261% | 2,934 |
| Noninterest income to average assets | 0.1116% | 6,445 |
| Noninterest expense to average assets | 1.5565% | 6,597 |
| Loan and lease loss provision to assets | -0.1786% | 6,706 |
| Net operating income to assets | 2.1236% | 296 |
| Return on assets (ROA) | 2.1236% | 307 |
| Pretax return on assets | 2.1674% | 420 |
| Return on Equity (ROE) | 16.5204% | 587 |
| Retained earnings to average equity (ytd only) | 8.2185% | 1,331 |
| Net charge-offs to loans | 0.0033% | 5,141 |
| Credit loss provision to net charge-offs | -6,666.6667% | 6,371 |
| Earnings coverage of net charge-offs (x) | 742.3150% | 69 |
| Efficiency ratio | 43.4509% | 6,671 |
| Assets per employee ($millions) | 7.9461% | 473 |
| Cash dividends to net income (ytd only)* | 50.2522% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 6,074 |
| Loan loss allowance to noncurrent loans | 6,987.5000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 6,466 |
| Noncurrent loans to loans | 0.0128% | 6,327 |
| Net loans and leases to total assets | 82.2885% | 348 |
| Net loans and leases to deposits | 97.0033% | 625 |
| Net loans and leases to core deposits | 163.4477% | 67 |
| Total domestic deposits to total assets | 84.8306% | 3,829 |
| Equity capital to assets | 13.1293% | 1,275 |
| Core capital (leverage) ratio | 9.4990% | 4,407 |
| Tier 1 risk-based capital ratio | 10.2163% | 6,533 |
| Total risk-based capital ratio | 11.0634% | 6,617 |
| Memoranda: | ||
| Average total assets | $149,301,250 | 3,757 |
| Average earning assets | $137,583,250 | 3,741 |
| Average equity | $19,192,000 | 3,294 |
| Average total loans | $122,916,250 | 3,003 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 1,911 |
| Cost of funding earning assets | 0.8703% | 1,028 |
| Net interest margin | 3.7093% | 2,923 |
| Noninterest income to average assets | 0.1143% | 6,480 |
| Noninterest expense to average assets | 1.5557% | 6,631 |
| Loan and lease loss provision to assets | -0.2689% | 6,819 |
| Net operating income to assets | 2.1957% | 260 |
| Return on assets (ROA) | 2.1957% | 277 |
| Pretax return on assets | 2.2374% | 389 |
| Return on Equity (ROE) | 17.2058% | 539 |
| Retained earnings to average equity (ytd only) | 8.3342% | 1,352 |
| Net charge-offs to loans | 0.0049% | 4,807 |
| Credit loss provision to net charge-offs | -6,666.6667% | 6,248 |
| Earnings coverage of net charge-offs (x) | 488.0000% | 96 |
| Efficiency ratio | 43.6856% | 6,717 |
| Assets per employee ($millions) | 7.7614% | 504 |
| Cash dividends to net income (ytd only)* | 51.5615% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 6,130 |
| Loan loss allowance to noncurrent loans | 254.6697% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 5,574 |
| Noncurrent loans to loans | 0.3532% | 5,398 |
| Net loans and leases to total assets | 83.5243% | 268 |
| Net loans and leases to deposits | 99.4767% | 456 |
| Net loans and leases to core deposits | 167.9896% | 62 |
| Total domestic deposits to total assets | 83.9638% | 4,330 |
| Equity capital to assets | 13.1739% | 1,272 |
| Core capital (leverage) ratio | 9.2615% | 4,608 |
| Tier 1 risk-based capital ratio | 9.8921% | 6,656 |
| Total risk-based capital ratio | 10.7373% | 6,706 |
| Memoranda: | ||
| Average total assets | $148,743,330 | 3,792 |
| Average earning assets | $136,737,670 | 3,780 |
| Average equity | $18,982,000 | 3,331 |
| Average total loans | $122,104,000 | 3,023 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6493% | 1,676 |
| Cost of funding earning assets | 0.8853% | 1,056 |
| Net interest margin | 3.7640% | 2,596 |
| Noninterest income to average assets | 0.1071% | 6,548 |
| Noninterest expense to average assets | 1.4968% | 6,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0056% | 342 |
| Return on assets (ROA) | 2.0056% | 371 |
| Pretax return on assets | 2.0484% | 545 |
| Return on Equity (ROE) | 15.9706% | 610 |
| Retained earnings to average equity (ytd only) | 4.4138% | 3,585 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7674% | 6,842 |
| Assets per employee ($millions) | 7.7972% | 530 |
| Cash dividends to net income (ytd only)* | 72.3632% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,570 |
| Loan loss allowance to noncurrent loans | 930.2817% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 6,308 |
| Noncurrent loans to loans | 0.1191% | 6,115 |
| Net loans and leases to total assets | 79.5791% | 463 |
| Net loans and leases to deposits | 93.4569% | 701 |
| Net loans and leases to core deposits | 130.0871% | 177 |
| Total domestic deposits to total assets | 85.1506% | 3,964 |
| Equity capital to assets | 12.7326% | 1,572 |
| Core capital (leverage) ratio | 8.9173% | 5,030 |
| Tier 1 risk-based capital ratio | 9.7398% | 6,728 |
| Total risk-based capital ratio | 10.7695% | 6,748 |
| Memoranda: | ||
| Average total assets | $149,382,000 | 3,821 |
| Average earning assets | $136,451,500 | 3,819 |
| Average equity | $18,759,500 | 3,413 |
| Average total loans | $121,012,000 | 3,067 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 1,991 |
| Cost of funding earning assets | 1.0496% | 1,124 |
| Net interest margin | 3.8099% | 3,184 |
| Noninterest income to average assets | 0.1186% | 6,442 |
| Noninterest expense to average assets | 1.5659% | 6,827 |
| Loan and lease loss provision to assets | 0.0014% | 5,896 |
| Net operating income to assets | 2.0114% | 349 |
| Return on assets (ROA) | 2.0114% | 380 |
| Pretax return on assets | 2.0495% | 549 |
| Return on Equity (ROE) | 15.4382% | 741 |
| Retained earnings to average equity (ytd only) | 1.7936% | 4,959 |
| Net charge-offs to loans | 0.0008% | 5,980 |
| Credit loss provision to net charge-offs | 200.0000% | 1,294 |
| Earnings coverage of net charge-offs (x) | 2,905.0000% | 8 |
| Efficiency ratio | 42.8265% | 6,883 |
| Assets per employee ($millions) | 7.9272% | 519 |
| Cash dividends to net income (ytd only)* | 88.3819% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 5,651 |
| Loan loss allowance to noncurrent loans | 3,221.9512% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 6,594 |
| Noncurrent loans to loans | 0.0334% | 6,426 |
| Net loans and leases to total assets | 80.6602% | 407 |
| Net loans and leases to deposits | 95.2989% | 662 |
| Net loans and leases to core deposits | 129.5831% | 190 |
| Total domestic deposits to total assets | 84.6392% | 4,021 |
| Equity capital to assets | 12.3864% | 1,799 |
| Core capital (leverage) ratio | 8.9651% | 4,956 |
| Tier 1 risk-based capital ratio | 9.4294% | 6,813 |
| Total risk-based capital ratio | 10.4435% | 6,832 |
| Memoranda: | ||
| Average total assets | $141,644,000 | 3,921 |
| Average earning assets | $130,054,600 | 3,894 |
| Average equity | $18,454,200 | 3,413 |
| Average total loans | $118,226,400 | 3,119 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 2,106 |
| Cost of funding earning assets | 1.0741% | 1,173 |
| Net interest margin | 3.8010% | 3,331 |
| Noninterest income to average assets | 0.1205% | 6,536 |
| Noninterest expense to average assets | 1.5724% | 6,897 |
| Loan and lease loss provision to assets | 0.0019% | 5,779 |
| Net operating income to assets | 2.0143% | 380 |
| Return on assets (ROA) | 2.0143% | 424 |
| Pretax return on assets | 2.0525% | 625 |
| Return on Equity (ROE) | 15.2574% | 856 |
| Retained earnings to average equity (ytd only) | 1.6228% | 5,522 |
| Net charge-offs to loans | 0.0011% | 5,764 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 2,153.3308% | 11 |
| Efficiency ratio | 42.8797% | 6,932 |
| Assets per employee ($millions) | 7.4755% | 602 |
| Cash dividends to net income (ytd only)* | 89.3637% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 5,731 |
| Loan loss allowance to noncurrent loans | 3,069.7674% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 6,692 |
| Noncurrent loans to loans | 0.0357% | 6,528 |
| Net loans and leases to total assets | 83.8005% | 238 |
| Net loans and leases to deposits | 99.8993% | 443 |
| Net loans and leases to core deposits | 158.2772% | 84 |
| Total domestic deposits to total assets | 83.8850% | 4,275 |
| Equity capital to assets | 13.0580% | 1,569 |
| Core capital (leverage) ratio | 9.1149% | 4,887 |
| Tier 1 risk-based capital ratio | 9.5353% | 6,894 |
| Total risk-based capital ratio | 10.5694% | 6,917 |
| Memoranda: | ||
| Average total assets | $139,400,750 | 4,001 |
| Average earning assets | $128,596,250 | 3,967 |
| Average equity | $18,403,750 | 3,449 |
| Average total loans | $117,080,750 | 3,182 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 2,119 |
| Cost of funding earning assets | 1.0801% | 1,313 |
| Net interest margin | 3.8187% | 3,276 |
| Noninterest income to average assets | 0.1169% | 6,602 |
| Noninterest expense to average assets | 1.5752% | 6,953 |
| Loan and lease loss provision to assets | 0.0029% | 5,607 |
| Net operating income to assets | 2.0170% | 386 |
| Return on assets (ROA) | 2.0170% | 437 |
| Pretax return on assets | 2.0560% | 628 |
| Return on Equity (ROE) | 15.2212% | 898 |
| Retained earnings to average equity (ytd only) | 1.3946% | 5,497 |
| Net charge-offs to loans | 0.0017% | 5,495 |
| Credit loss provision to net charge-offs | 200.0000% | 1,419 |
| Earnings coverage of net charge-offs (x) | 1,426.0000% | 18 |
| Efficiency ratio | 42.8685% | 6,988 |
| Assets per employee ($millions) | 6.8960% | 763 |
| Cash dividends to net income (ytd only)* | 90.8375% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 5,619 |
| Loan loss allowance to noncurrent loans | 6,000.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 6,794 |
| Noncurrent loans to loans | 0.0189% | 6,641 |
| Net loans and leases to total assets | 83.2583% | 249 |
| Net loans and leases to deposits | 98.9607% | 472 |
| Net loans and leases to core deposits | 164.9889% | 79 |
| Total domestic deposits to total assets | 84.1327% | 4,259 |
| Equity capital to assets | 13.3644% | 1,359 |
| Core capital (leverage) ratio | 9.1489% | 4,690 |
| Tier 1 risk-based capital ratio | 9.7522% | 6,879 |
| Total risk-based capital ratio | 10.8188% | 6,907 |
| Memoranda: | ||
| Average total assets | $138,522,670 | 4,040 |
| Average earning assets | $127,582,330 | 4,005 |
| Average equity | $18,356,000 | 3,446 |
| Average total loans | $115,992,330 | 3,219 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9900% | 1,926 |
| Cost of funding earning assets | 1.0856% | 1,473 |
| Net interest margin | 3.9044% | 2,896 |
| Noninterest income to average assets | 0.1095% | 6,697 |
| Noninterest expense to average assets | 1.5963% | 6,977 |
| Loan and lease loss provision to assets | 0.0058% | 5,202 |
| Net operating income to assets | 2.0630% | 373 |
| Return on assets (ROA) | 2.0630% | 431 |
| Pretax return on assets | 2.1034% | 630 |
| Return on Equity (ROE) | 15.6349% | 862 |
| Retained earnings to average equity (ytd only) | 1.9871% | 5,275 |
| Net charge-offs to loans | 0.0069% | 4,643 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 366.0000% | 84 |
| Efficiency ratio | 42.6128% | 7,038 |
| Assets per employee ($millions) | 6.8459% | 816 |
| Cash dividends to net income (ytd only)* | 87.2905% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 5,690 |
| Loan loss allowance to noncurrent loans | 6,000.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 6,876 |
| Noncurrent loans to loans | 0.0193% | 6,730 |
| Net loans and leases to total assets | 82.4339% | 250 |
| Net loans and leases to deposits | 98.3522% | 427 |
| Net loans and leases to core deposits | 139.3975% | 152 |
| Total domestic deposits to total assets | 83.8150% | 4,583 |
| Equity capital to assets | 13.4198% | 1,267 |
| Core capital (leverage) ratio | 9.2345% | 4,463 |
| Tier 1 risk-based capital ratio | 9.8078% | 6,916 |
| Total risk-based capital ratio | 10.8844% | 6,940 |
| Memoranda: | ||
| Average total assets | $138,824,500 | 4,058 |
| Average earning assets | $127,855,500 | 4,020 |
| Average equity | $18,318,000 | 3,452 |
| Average total loans | $115,914,000 | 3,232 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0850% | 2,507 |
| Cost of funding earning assets | 1.3132% | 1,419 |
| Net interest margin | 3.7717% | 3,970 |
| Noninterest income to average assets | 0.1242% | 6,527 |
| Noninterest expense to average assets | 1.7691% | 6,989 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.7876% | 468 |
| Return on assets (ROA) | 1.7876% | 509 |
| Pretax return on assets | 1.8260% | 765 |
| Return on Equity (ROE) | 13.3789% | 1,070 |
| Retained earnings to average equity (ytd only) | 1.6661% | 5,020 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7143% | 6,906 |
| Assets per employee ($millions) | 7.0366% | 718 |
| Cash dividends to net income (ytd only)* | 87.5465% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,733 |
| Loan loss allowance to noncurrent loans | 1,758.6667% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 6,827 |
| Noncurrent loans to loans | 0.0638% | 6,657 |
| Net loans and leases to total assets | 82.6557% | 292 |
| Net loans and leases to deposits | 101.4566% | 397 |
| Net loans and leases to core deposits | 169.1012% | 95 |
| Total domestic deposits to total assets | 81.4690% | 5,304 |
| Equity capital to assets | 12.9764% | 1,496 |
| Core capital (leverage) ratio | 9.3170% | 4,303 |
| Tier 1 risk-based capital ratio | 9.5679% | 6,947 |
| Total risk-based capital ratio | 10.6259% | 6,980 |
| Memoranda: | ||
| Average total assets | $135,211,600 | 4,065 |
| Average earning assets | $124,425,400 | 4,053 |
| Average equity | $18,065,800 | 3,415 |
| Average total loans | $114,424,800 | 3,283 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1016% | 2,603 |
| Cost of funding earning assets | 1.3688% | 1,379 |
| Net interest margin | 3.7328% | 4,193 |
| Noninterest income to average assets | 0.1245% | 6,638 |
| Noninterest expense to average assets | 1.8042% | 6,993 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7155% | 606 |
| Return on assets (ROA) | 1.7155% | 663 |
| Pretax return on assets | 1.7544% | 1,033 |
| Return on Equity (ROE) | 12.7434% | 1,348 |
| Retained earnings to average equity (ytd only) | 1.1988% | 5,533 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1960% | 6,815 |
| Assets per employee ($millions) | 6.6208% | 890 |
| Cash dividends to net income (ytd only)* | 90.5925% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 5,531 |
| Loan loss allowance to noncurrent loans | 50.8867% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 1.9590% | 3,197 |
| Noncurrent loans to loans | 2.3271% | 2,979 |
| Net loans and leases to total assets | 83.1825% | 276 |
| Net loans and leases to deposits | 99.2083% | 505 |
| Net loans and leases to core deposits | 142.4929% | 168 |
| Total domestic deposits to total assets | 83.8464% | 4,303 |
| Equity capital to assets | 13.7106% | 1,280 |
| Core capital (leverage) ratio | 9.3453% | 4,381 |
| Tier 1 risk-based capital ratio | 10.0110% | 6,953 |
| Total risk-based capital ratio | 11.1324% | 6,973 |
| Memoranda: | ||
| Average total assets | $133,831,500 | 4,117 |
| Average earning assets | $123,122,000 | 4,096 |
| Average equity | $18,016,750 | 3,424 |
| Average total loans | $113,620,500 | 3,329 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0582% | 2,884 |
| Cost of funding earning assets | 1.3842% | 1,484 |
| Net interest margin | 3.6740% | 4,388 |
| Noninterest income to average assets | 0.1221% | 6,719 |
| Noninterest expense to average assets | 1.8227% | 7,059 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6440% | 675 |
| Return on assets (ROA) | 1.6440% | 718 |
| Pretax return on assets | 1.6828% | 1,089 |
| Return on Equity (ROE) | 12.2867% | 1,413 |
| Retained earnings to average equity (ytd only) | 0.1892% | 5,763 |
| Net charge-offs to loans | 0.0017% | 5,861 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1,130.0000% | 18 |
| Efficiency ratio | 51.4868% | 6,830 |
| Assets per employee ($millions) | 6.7313% | 833 |
| Cash dividends to net income (ytd only)* | 98.4601% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 5,655 |
| Loan loss allowance to noncurrent loans | 151.2615% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 5,615 |
| Noncurrent loans to loans | 0.7761% | 5,364 |
| Net loans and leases to total assets | 82.4744% | 337 |
| Net loans and leases to deposits | 97.3914% | 627 |
| Net loans and leases to core deposits | 169.9322% | 100 |
| Total domestic deposits to total assets | 84.6835% | 4,030 |
| Equity capital to assets | 13.3704% | 1,351 |
| Core capital (leverage) ratio | 9.0887% | 4,593 |
| Tier 1 risk-based capital ratio | 9.7048% | 7,053 |
| Total risk-based capital ratio | 10.8051% | 7,098 |
| Memoranda: | ||
| Average total assets | $134,303,330 | 4,138 |
| Average earning assets | $123,680,670 | 4,120 |
| Average equity | $17,970,670 | 3,418 |
| Average total loans | $114,338,330 | 3,351 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0756% | 2,750 |
| Cost of funding earning assets | 1.3686% | 1,777 |
| Net interest margin | 3.7070% | 4,062 |
| Noninterest income to average assets | 0.1163% | 6,830 |
| Noninterest expense to average assets | 1.7623% | 7,174 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7235% | 558 |
| Return on assets (ROA) | 1.7235% | 589 |
| Pretax return on assets | 1.7623% | 878 |
| Return on Equity (ROE) | 12.8759% | 1,222 |
| Retained earnings to average equity (ytd only) | 0.2450% | 5,712 |
| Net charge-offs to loans | 0.0035% | 5,082 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 591.0000% | 40 |
| Efficiency ratio | 49.4924% | 7,027 |
| Assets per employee ($millions) | 6.8999% | 777 |
| Cash dividends to net income (ytd only)* | 98.0969% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 5,797 |
| Loan loss allowance to noncurrent loans | 105.1834% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.9087% | 5,082 |
| Noncurrent loans to loans | 1.1034% | 4,853 |
| Net loans and leases to total assets | 81.4005% | 400 |
| Net loans and leases to deposits | 95.8693% | 698 |
| Net loans and leases to core deposits | 144.5683% | 172 |
| Total domestic deposits to total assets | 84.9078% | 4,079 |
| Equity capital to assets | 13.0227% | 1,369 |
| Core capital (leverage) ratio | 9.0360% | 4,558 |
| Tier 1 risk-based capital ratio | 9.4437% | 7,156 |
| Total risk-based capital ratio | 10.5156% | 7,191 |
| Memoranda: | ||
| Average total assets | $134,142,000 | 4,171 |
| Average earning assets | $123,335,500 | 4,154 |
| Average equity | $17,956,000 | 3,400 |
| Average total loans | $115,332,000 | 3,360 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5202% | 2,201 |
| Cost of funding earning assets | 1.4628% | 2,878 |
| Net interest margin | 4.0574% | 2,768 |
| Noninterest income to average assets | 0.3564% | 5,261 |
| Noninterest expense to average assets | 1.8789% | 7,190 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.1138% | 230 |
| Return on assets (ROA) | 2.1138% | 240 |
| Pretax return on assets | 2.1742% | 342 |
| Return on Equity (ROE) | 15.0924% | 702 |
| Retained earnings to average equity (ytd only) | 3.2758% | 3,577 |
| Net charge-offs to loans | -0.0009% | 7,228 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8872% | 7,353 |
| Assets per employee ($millions) | 6.8572% | 795 |
| Cash dividends to net income (ytd only)* | 78.2952% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 5,834 |
| Loan loss allowance to noncurrent loans | 262.4254% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 6,309 |
| Noncurrent loans to loans | 0.4299% | 6,186 |
| Net loans and leases to total assets | 88.8000% | 78 |
| Net loans and leases to deposits | 105.0541% | 355 |
| Net loans and leases to core deposits | 156.9030% | 153 |
| Total domestic deposits to total assets | 84.5279% | 4,096 |
| Equity capital to assets | 13.7705% | 1,106 |
| Core capital (leverage) ratio | 9.3625% | 3,903 |
| Tier 1 risk-based capital ratio | 9.2864% | 7,187 |
| Total risk-based capital ratio | 10.3428% | 7,233 |
| Memoranda: | ||
| Average total assets | $125,979,000 | 4,354 |
| Average earning assets | $114,779,000 | 4,350 |
| Average equity | $17,644,600 | 3,484 |
| Average total loans | $114,198,600 | 3,447 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5445% | 2,275 |
| Cost of funding earning assets | 1.4735% | 3,126 |
| Net interest margin | 4.0709% | 2,757 |
| Noninterest income to average assets | 0.4323% | 4,698 |
| Noninterest expense to average assets | 1.9054% | 7,201 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.1702% | 250 |
| Return on assets (ROA) | 2.1702% | 267 |
| Pretax return on assets | 2.2310% | 382 |
| Return on Equity (ROE) | 15.4270% | 788 |
| Retained earnings to average equity (ytd only) | 3.7941% | 3,791 |
| Net charge-offs to loans | -0.0012% | 7,169 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6000% | 7,396 |
| Assets per employee ($millions) | 6.8033% | 831 |
| Cash dividends to net income (ytd only)* | 75.4058% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 5,878 |
| Loan loss allowance to noncurrent loans | 246.7290% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 6,389 |
| Noncurrent loans to loans | 0.4519% | 6,285 |
| Net loans and leases to total assets | 90.5703% | 46 |
| Net loans and leases to deposits | 109.3793% | 267 |
| Net loans and leases to core deposits | 147.4285% | 202 |
| Total domestic deposits to total assets | 82.8039% | 4,676 |
| Equity capital to assets | 13.8478% | 1,224 |
| Core capital (leverage) ratio | 9.5598% | 3,816 |
| Tier 1 risk-based capital ratio | 9.3815% | 7,279 |
| Total risk-based capital ratio | 10.4563% | 7,337 |
| Memoranda: | ||
| Average total assets | $124,902,250 | 4,445 |
| Average earning assets | $113,648,250 | 4,439 |
| Average equity | $17,570,500 | 3,544 |
| Average total loans | $113,494,750 | 3,516 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5176% | 2,450 |
| Cost of funding earning assets | 1.4869% | 3,325 |
| Net interest margin | 4.0306% | 2,879 |
| Noninterest income to average assets | 0.1571% | 6,767 |
| Noninterest expense to average assets | 1.8809% | 7,292 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8728% | 423 |
| Return on assets (ROA) | 1.8728% | 464 |
| Pretax return on assets | 1.9344% | 694 |
| Return on Equity (ROE) | 13.2412% | 1,187 |
| Retained earnings to average equity (ytd only) | 1.9701% | 4,881 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7898% | 7,304 |
| Assets per employee ($millions) | 6.5968% | 920 |
| Cash dividends to net income (ytd only)* | 85.1211% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 5,675 |
| Loan loss allowance to noncurrent loans | 245.1673% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9295% | 5,271 |
| Noncurrent loans to loans | 0.4702% | 6,310 |
| Net loans and leases to total assets | 90.2417% | 69 |
| Net loans and leases to deposits | 110.7772% | 252 |
| Net loans and leases to core deposits | 171.6540% | 135 |
| Total domestic deposits to total assets | 81.4623% | 5,213 |
| Equity capital to assets | 14.0148% | 1,152 |
| Core capital (leverage) ratio | 9.5376% | 3,764 |
| Tier 1 risk-based capital ratio | 9.2812% | 7,341 |
| Total risk-based capital ratio | 10.3756% | 7,391 |
| Memoranda: | ||
| Average total assets | $123,449,000 | 4,499 |
| Average earning assets | $112,042,000 | 4,508 |
| Average equity | $17,460,670 | 3,553 |
| Average total loans | $111,862,000 | 3,584 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4807% | 2,683 |
| Cost of funding earning assets | 1.5092% | 3,496 |
| Net interest margin | 3.9715% | 2,991 |
| Noninterest income to average assets | 0.1502% | 6,895 |
| Noninterest expense to average assets | 1.8971% | 7,335 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7828% | 515 |
| Return on assets (ROA) | 1.7828% | 563 |
| Pretax return on assets | 1.8448% | 819 |
| Return on Equity (ROE) | 12.5460% | 1,363 |
| Retained earnings to average equity (ytd only) | 1.2408% | 5,318 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1745% | 7,304 |
| Assets per employee ($millions) | 6.8529% | 848 |
| Cash dividends to net income (ytd only)* | 90.1099% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 5,598 |
| Loan loss allowance to noncurrent loans | 270.2869% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 5,349 |
| Noncurrent loans to loans | 0.4369% | 6,425 |
| Net loans and leases to total assets | 89.4814% | 83 |
| Net loans and leases to deposits | 111.7277% | 256 |
| Net loans and leases to core deposits | 167.7171% | 162 |
| Total domestic deposits to total assets | 80.0889% | 5,752 |
| Equity capital to assets | 14.1359% | 1,104 |
| Core capital (leverage) ratio | 9.7860% | 3,412 |
| Tier 1 risk-based capital ratio | 9.3744% | 7,360 |
| Total risk-based capital ratio | 10.4922% | 7,411 |
| Memoranda: | ||
| Average total assets | $122,504,000 | 4,570 |
| Average earning assets | $110,789,000 | 4,589 |
| Average equity | $17,408,000 | 3,585 |
| Average total loans | $110,579,500 | 3,670 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7081% | 3,060 |
| Cost of funding earning assets | 1.8763% | 3,589 |
| Net interest margin | 3.8317% | 3,569 |
| Noninterest income to average assets | 0.1652% | 6,891 |
| Noninterest expense to average assets | 1.9793% | 7,396 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6114% | 535 |
| Return on assets (ROA) | 1.6114% | 566 |
| Pretax return on assets | 1.6540% | 859 |
| Return on Equity (ROE) | 11.1646% | 1,385 |
| Retained earnings to average equity (ytd only) | 1.7998% | 3,832 |
| Net charge-offs to loans | -0.0897% | 7,878 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9147% | 7,238 |
| Assets per employee ($millions) | 6.7586% | 882 |
| Cash dividends to net income (ytd only)* | 83.8795% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 5,324 |
| Loan loss allowance to noncurrent loans | 247.9323% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.9527% | 5,202 |
| Noncurrent loans to loans | 0.4860% | 6,284 |
| Net loans and leases to total assets | 88.8932% | 132 |
| Net loans and leases to deposits | 107.2666% | 492 |
| Net loans and leases to core deposits | 143.7575% | 682 |
| Total domestic deposits to total assets | 82.8712% | 4,574 |
| Equity capital to assets | 14.2855% | 1,084 |
| Core capital (leverage) ratio | 9.5830% | 3,622 |
| Tier 1 risk-based capital ratio | 9.5662% | 7,188 |
| Total risk-based capital ratio | 10.7131% | 7,229 |
| Memoranda: | ||
| Average total assets | $117,413,600 | 4,650 |
| Average earning assets | $106,270,400 | 4,675 |
| Average equity | $16,946,400 | 3,681 |
| Average total loans | $105,860,600 | 3,781 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6714% | 3,468 |
| Cost of funding earning assets | 1.9503% | 3,620 |
| Net interest margin | 3.7211% | 3,984 |
| Noninterest income to average assets | 0.1730% | 6,977 |
| Noninterest expense to average assets | 1.9595% | 7,457 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5424% | 741 |
| Return on assets (ROA) | 1.5424% | 798 |
| Pretax return on assets | 1.5848% | 1,203 |
| Return on Equity (ROE) | 10.6580% | 1,719 |
| Retained earnings to average equity (ytd only) | 1.8371% | 4,290 |
| Net charge-offs to loans | -0.1270% | 7,939 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7042% | 7,159 |
| Assets per employee ($millions) | 6.6282% | 933 |
| Cash dividends to net income (ytd only)* | 82.7640% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 4,981 |
| Loan loss allowance to noncurrent loans | 217.7632% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 4,970 |
| Noncurrent loans to loans | 0.5623% | 6,187 |
| Net loans and leases to total assets | 89.5254% | 135 |
| Net loans and leases to deposits | 111.0071% | 424 |
| Net loans and leases to core deposits | 139.5456% | 935 |
| Total domestic deposits to total assets | 80.6484% | 5,206 |
| Equity capital to assets | 14.4408% | 1,160 |
| Core capital (leverage) ratio | 9.5745% | 3,817 |
| Tier 1 risk-based capital ratio | 9.8722% | 7,079 |
| Total risk-based capital ratio | 11.0688% | 7,091 |
| Memoranda: | ||
| Average total assets | $116,353,250 | 4,689 |
| Average earning assets | $105,415,500 | 4,724 |
| Average equity | $16,838,250 | 3,739 |
| Average total loans | $104,960,250 | 3,851 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6084% | 4,034 |
| Cost of funding earning assets | 2.0131% | 3,710 |
| Net interest margin | 3.5953% | 4,384 |
| Noninterest income to average assets | 0.1803% | 7,009 |
| Noninterest expense to average assets | 1.9711% | 7,511 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4233% | 971 |
| Return on assets (ROA) | 1.4233% | 1,038 |
| Pretax return on assets | 1.4631% | 1,554 |
| Return on Equity (ROE) | 9.8276% | 2,080 |
| Retained earnings to average equity (ytd only) | 1.2329% | 4,660 |
| Net charge-offs to loans | -0.1906% | 8,022 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7895% | 7,016 |
| Assets per employee ($millions) | 6.6636% | 902 |
| Cash dividends to net income (ytd only)* | 87.4543% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 4,832 |
| Loan loss allowance to noncurrent loans | 233.7456% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 1.0130% | 4,943 |
| Noncurrent loans to loans | 0.5201% | 6,230 |
| Net loans and leases to total assets | 89.6318% | 153 |
| Net loans and leases to deposits | 108.6049% | 621 |
| Net loans and leases to core deposits | 137.7336% | 1,116 |
| Total domestic deposits to total assets | 82.5302% | 4,462 |
| Equity capital to assets | 14.8686% | 1,064 |
| Core capital (leverage) ratio | 10.2997% | 2,995 |
| Tier 1 risk-based capital ratio | 10.3909% | 6,488 |
| Total risk-based capital ratio | 11.5823% | 6,495 |
| Memoranda: | ||
| Average total assets | $115,368,330 | 4,739 |
| Average earning assets | $104,415,330 | 4,777 |
| Average equity | $16,708,000 | 3,772 |
| Average total loans | $103,902,000 | 3,912 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5999% | 4,355 |
| Cost of funding earning assets | 2.1451% | 3,439 |
| Net interest margin | 3.4548% | 4,921 |
| Noninterest income to average assets | 0.1769% | 7,041 |
| Noninterest expense to average assets | 1.9066% | 7,536 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3477% | 1,265 |
| Return on assets (ROA) | 1.3477% | 1,360 |
| Pretax return on assets | 1.3866% | 2,005 |
| Return on Equity (ROE) | 9.4395% | 2,558 |
| Retained earnings to average equity (ytd only) | 0.1487% | 5,603 |
| Net charge-offs to loans | -0.3864% | 8,091 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2503% | 6,796 |
| Assets per employee ($millions) | 6.3633% | 1,019 |
| Cash dividends to net income (ytd only)* | 98.4252% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 4,190 |
| Loan loss allowance to noncurrent loans | 189.1273% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 1.1769% | 4,317 |
| Noncurrent loans to loans | 0.6772% | 5,710 |
| Net loans and leases to total assets | 88.9593% | 197 |
| Net loans and leases to deposits | 106.6986% | 817 |
| Net loans and leases to core deposits | 128.9553% | 1,719 |
| Total domestic deposits to total assets | 83.3744% | 3,961 |
| Equity capital to assets | 14.2038% | 1,307 |
| Core capital (leverage) ratio | 9.2618% | 4,299 |
| Tier 1 risk-based capital ratio | 9.3084% | 7,579 |
| Total risk-based capital ratio | 10.5470% | 7,565 |
| Memoranda: | ||
| Average total assets | $113,080,500 | 4,823 |
| Average earning assets | $102,002,000 | 4,862 |
| Average equity | $16,145,000 | 3,916 |
| Average total loans | $101,437,500 | 3,992 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5710% | 2,620 |
| Cost of funding earning assets | 2.7162% | 3,086 |
| Net interest margin | 3.8548% | 3,771 |
| Noninterest income to average assets | 0.2029% | 6,998 |
| Noninterest expense to average assets | 1.8841% | 7,643 |
| Loan and lease loss provision to assets | 0.0282% | 7,050 |
| Net operating income to assets | 1.3365% | 1,382 |
| Return on assets (ROA) | 1.3365% | 1,334 |
| Pretax return on assets | 1.7376% | 1,071 |
| Return on Equity (ROE) | 9.3242% | 2,509 |
| Retained earnings to average equity (ytd only) | 2.9486% | 3,337 |
| Net charge-offs to loans | 0.0644% | 5,855 |
| Credit loss provision to net charge-offs | 49.1803% | 6,361 |
| Earnings coverage of net charge-offs (x) | 30.8197% | 1,148 |
| Efficiency ratio | 51.0036% | 7,585 |
| Assets per employee ($millions) | 5.8748% | 1,211 |
| Cash dividends to net income (ytd only)* | 68.3767% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 4,327 |
| Loan loss allowance to noncurrent loans | 95.9248% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.1629% | 3,938 |
| Noncurrent loans to loans | 1.2804% | 3,952 |
| Net loans and leases to total assets | 88.1868% | 347 |
| Net loans and leases to deposits | 106.9457% | 1,049 |
| Net loans and leases to core deposits | 127.0998% | 2,076 |
| Total domestic deposits to total assets | 82.4594% | 4,012 |
| Equity capital to assets | 14.3530% | 1,335 |
| Core capital (leverage) ratio | 9.3955% | 4,162 |
| Tier 1 risk-based capital ratio | 9.4102% | 7,404 |
| Total risk-based capital ratio | 10.6072% | 7,384 |
| Memoranda: | ||
| Average total assets | $106,470,200 | 4,864 |
| Average earning assets | $95,206,400 | 4,946 |
| Average equity | $15,261,400 | 4,086 |
| Average total loans | $94,655,600 | 4,091 |