Home > Peoples State Bank > Performance and Condition Ratios
Peoples State Bank, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3015% | 91 |
| Cost of funding earning assets | 0.7355% | 740 |
| Net interest margin | 5.5661% | 98 |
| Noninterest income to average assets | 0.5504% | 2,713 |
| Noninterest expense to average assets | 3.0621% | 1,935 |
| Loan and lease loss provision to assets | 0.4871% | 243 |
| Net operating income to assets | 2.1204% | 250 |
| Return on assets (ROA) | 2.1204% | 255 |
| Pretax return on assets | 2.1496% | 400 |
| Return on Equity (ROE) | 22.8069% | 110 |
| Retained earnings to average equity (ytd only) | -2.5147% | 5,384 |
| Net charge-offs to loans | 0.0134% | 2,984 |
| Credit loss provision to net charge-offs | 4,285.7143% | 106 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 365 |
| Efficiency ratio | 53.7322% | 5,039 |
| Assets per employee ($millions) | 4.2209% | 3,581 |
| Cash dividends to net income (ytd only)* | 111.0260% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1176% | 494 |
| Loan loss allowance to noncurrent loans | 129.6169% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.9942% | 643 |
| Noncurrent loans to loans | 1.6337% | 1,128 |
| Net loans and leases to total assets | 85.6070% | 301 |
| Net loans and leases to deposits | 105.1338% | 434 |
| Net loans and leases to core deposits | 120.9085% | 522 |
| Total domestic deposits to total assets | 81.4267% | 4,067 |
| Equity capital to assets | 9.1204% | 4,780 |
| Core capital (leverage) ratio | 9.1427% | 4,565 |
| Tier 1 risk-based capital ratio | 10.6114% | 5,423 |
| Total risk-based capital ratio | 11.8727% | 5,341 |
| Memoranda: | ||
| Average total assets | $123,183,000 | 3,908 |
| Average earning assets | $113,940,330 | 3,911 |
| Average equity | $11,452,670 | 4,282 |
| Average total loans | $104,250,000 | 3,312 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6099% | 74 |
| Cost of funding earning assets | 0.7877% | 532 |
| Net interest margin | 5.8222% | 85 |
| Noninterest income to average assets | 0.5244% | 2,804 |
| Noninterest expense to average assets | 2.7935% | 2,816 |
| Loan and lease loss provision to assets | 0.4856% | 213 |
| Net operating income to assets | 2.4504% | 149 |
| Return on assets (ROA) | 2.4504% | 153 |
| Pretax return on assets | 2.6284% | 180 |
| Return on Equity (ROE) | 26.1102% | 73 |
| Retained earnings to average equity (ytd only) | 17.4873% | 152 |
| Net charge-offs to loans | 0.0272% | 2,212 |
| Credit loss provision to net charge-offs | 2,142.8571% | 157 |
| Earnings coverage of net charge-offs (x) | 137.4286% | 400 |
| Efficiency ratio | 47.2877% | 5,493 |
| Assets per employee ($millions) | 4.3528% | 3,417 |
| Cash dividends to net income (ytd only)* | 33.0251% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0527% | 606 |
| Loan loss allowance to noncurrent loans | 332.3391% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 1,369 |
| Noncurrent loans to loans | 0.6176% | 2,968 |
| Net loans and leases to total assets | 82.8829% | 475 |
| Net loans and leases to deposits | 99.5987% | 641 |
| Net loans and leases to core deposits | 114.6359% | 647 |
| Total domestic deposits to total assets | 83.2168% | 3,761 |
| Equity capital to assets | 9.7081% | 4,058 |
| Core capital (leverage) ratio | 9.2745% | 4,374 |
| Tier 1 risk-based capital ratio | 11.6451% | 4,946 |
| Total risk-based capital ratio | 12.9059% | 4,836 |
| Memoranda: | ||
| Average total assets | $123,571,000 | 3,940 |
| Average earning assets | $114,253,000 | 3,940 |
| Average equity | $11,597,000 | 4,287 |
| Average total loans | $102,847,000 | 3,366 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0776% | 114 |
| Cost of funding earning assets | 0.7264% | 718 |
| Net interest margin | 5.3513% | 138 |
| Noninterest income to average assets | 1.2484% | 731 |
| Noninterest expense to average assets | 2.9227% | 2,595 |
| Loan and lease loss provision to assets | 0.3584% | 468 |
| Net operating income to assets | 2.8101% | 94 |
| Return on assets (ROA) | 2.9117% | 84 |
| Pretax return on assets | 3.0301% | 110 |
| Return on Equity (ROE) | 29.4281% | 41 |
| Retained earnings to average equity (ytd only) | -3.5824% | 5,616 |
| Net charge-offs to loans | 0.0019% | 4,212 |
| Credit loss provision to net charge-offs | 22,850.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 2,093.0000% | 22 |
| Efficiency ratio | 47.0997% | 5,606 |
| Assets per employee ($millions) | 5.0106% | 2,378 |
| Cash dividends to net income (ytd only)* | 112.1734% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9247% | 771 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 2,593 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.3000% | 851 |
| Net loans and leases to deposits | 100.1573% | 661 |
| Net loans and leases to core deposits | 115.4421% | 640 |
| Total domestic deposits to total assets | 80.1739% | 4,536 |
| Equity capital to assets | 9.0704% | 4,745 |
| Core capital (leverage) ratio | 9.0396% | 4,693 |
| Tier 1 risk-based capital ratio | 11.1181% | 5,275 |
| Total risk-based capital ratio | 12.3772% | 5,151 |
| Memoranda: | ||
| Average total assets | $127,520,200 | 3,872 |
| Average earning assets | $118,121,400 | 3,867 |
| Average equity | $12,617,200 | 4,152 |
| Average total loans | $107,829,200 | 3,245 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0522% | 113 |
| Cost of funding earning assets | 0.7264% | 711 |
| Net interest margin | 5.3259% | 143 |
| Noninterest income to average assets | 1.4948% | 537 |
| Noninterest expense to average assets | 2.8730% | 2,731 |
| Loan and lease loss provision to assets | 0.3716% | 412 |
| Net operating income to assets | 3.0744% | 83 |
| Return on assets (ROA) | 3.2093% | 74 |
| Pretax return on assets | 3.3290% | 99 |
| Return on Equity (ROE) | 31.7884% | 29 |
| Retained earnings to average equity (ytd only) | 0.3403% | 5,263 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6602% | 5,726 |
| Assets per employee ($millions) | 4.4228% | 3,210 |
| Cash dividends to net income (ytd only)* | 98.9298% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 920 |
| Loan loss allowance to noncurrent loans | 3,350.0000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 2,634 |
| Noncurrent loans to loans | 0.0553% | 5,133 |
| Net loans and leases to total assets | 80.2184% | 860 |
| Net loans and leases to deposits | 98.6054% | 801 |
| Net loans and leases to core deposits | 114.1655% | 713 |
| Total domestic deposits to total assets | 81.3529% | 4,149 |
| Equity capital to assets | 9.5771% | 4,581 |
| Core capital (leverage) ratio | 9.5456% | 4,122 |
| Tier 1 risk-based capital ratio | 11.6861% | 4,986 |
| Total risk-based capital ratio | 12.9439% | 4,883 |
| Memoranda: | ||
| Average total assets | $128,084,250 | 3,884 |
| Average earning assets | $118,763,750 | 3,871 |
| Average equity | $12,931,000 | 4,135 |
| Average total loans | $109,146,250 | 3,235 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1461% | 111 |
| Cost of funding earning assets | 0.7306% | 689 |
| Net interest margin | 5.4155% | 130 |
| Noninterest income to average assets | 1.9290% | 353 |
| Noninterest expense to average assets | 2.7290% | 3,278 |
| Loan and lease loss provision to assets | 0.4726% | 288 |
| Net operating income to assets | 3.6015% | 61 |
| Return on assets (ROA) | 3.6015% | 61 |
| Pretax return on assets | 3.7529% | 80 |
| Return on Equity (ROE) | 35.0993% | 27 |
| Retained earnings to average equity (ytd only) | 35.0993% | 14 |
| Net charge-offs to loans | -0.0018% | 4,362 |
| Credit loss provision to net charge-offs | -30,600.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2405% | 5,923 |
| Assets per employee ($millions) | 4.1460% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 1,212 |
| Loan loss allowance to noncurrent loans | 10,144.4444% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 2,793 |
| Noncurrent loans to loans | 0.0170% | 5,411 |
| Net loans and leases to total assets | 83.4123% | 473 |
| Net loans and leases to deposits | 105.2157% | 397 |
| Net loans and leases to core deposits | 116.9069% | 613 |
| Total domestic deposits to total assets | 79.2774% | 4,720 |
| Equity capital to assets | 11.6979% | 2,359 |
| Core capital (leverage) ratio | 10.9680% | 2,466 |
| Tier 1 risk-based capital ratio | 13.0788% | 4,159 |
| Total risk-based capital ratio | 14.3339% | 4,071 |
| Memoranda: | ||
| Average total assets | $129,500,000 | 3,898 |
| Average earning assets | $120,174,670 | 3,874 |
| Average equity | $13,288,000 | 4,110 |
| Average total loans | $111,789,670 | 3,212 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2572% | 95 |
| Cost of funding earning assets | 0.7348% | 677 |
| Net interest margin | 5.5224% | 111 |
| Noninterest income to average assets | 2.8095% | 218 |
| Noninterest expense to average assets | 2.7307% | 3,310 |
| Loan and lease loss provision to assets | 0.4637% | 277 |
| Net operating income to assets | 4.5521% | 48 |
| Return on assets (ROA) | 4.5521% | 46 |
| Pretax return on assets | 4.7400% | 56 |
| Return on Equity (ROE) | 48.5201% | 20 |
| Retained earnings to average equity (ytd only) | 48.5201% | 11 |
| Net charge-offs to loans | -0.0035% | 4,204 |
| Credit loss provision to net charge-offs | -15,300.0000% | 5,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4156% | 6,039 |
| Assets per employee ($millions) | 4.4630% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 2,045 |
| Loan loss allowance to noncurrent loans | 1,248.5075% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 2,715 |
| Noncurrent loans to loans | 0.1192% | 4,997 |
| Net loans and leases to total assets | 85.5603% | 251 |
| Net loans and leases to deposits | 108.4199% | 267 |
| Net loans and leases to core deposits | 123.6672% | 375 |
| Total domestic deposits to total assets | 78.9157% | 4,985 |
| Equity capital to assets | 10.1508% | 3,895 |
| Core capital (leverage) ratio | 10.0269% | 3,507 |
| Tier 1 risk-based capital ratio | 11.6282% | 5,154 |
| Total risk-based capital ratio | 12.8811% | 5,061 |
| Memoranda: | ||
| Average total assets | $131,982,000 | 3,881 |
| Average earning assets | $122,482,500 | 3,858 |
| Average equity | $12,382,500 | 4,266 |
| Average total loans | $114,897,000 | 3,164 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2206% | 104 |
| Cost of funding earning assets | 0.7387% | 673 |
| Net interest margin | 5.4819% | 128 |
| Noninterest income to average assets | 0.5274% | 3,154 |
| Noninterest expense to average assets | 2.9581% | 2,677 |
| Loan and lease loss provision to assets | 0.4953% | 227 |
| Net operating income to assets | 2.0431% | 325 |
| Return on assets (ROA) | 2.0431% | 333 |
| Pretax return on assets | 2.1815% | 356 |
| Return on Equity (ROE) | 22.8735% | 140 |
| Retained earnings to average equity (ytd only) | -1.8342% | 5,741 |
| Net charge-offs to loans | 0.5970% | 405 |
| Credit loss provision to net charge-offs | 95.5267% | 2,647 |
| Earnings coverage of net charge-offs (x) | 5.1631% | 3,428 |
| Efficiency ratio | 52.4960% | 5,610 |
| Assets per employee ($millions) | 4.6392% | 2,830 |
| Cash dividends to net income (ytd only)* | 108.0190% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 2,944 |
| Loan loss allowance to noncurrent loans | 1,100.7246% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.7656% | 2,767 |
| Noncurrent loans to loans | 0.1176% | 5,025 |
| Net loans and leases to total assets | 86.1204% | 222 |
| Net loans and leases to deposits | 110.0690% | 240 |
| Net loans and leases to core deposits | 127.0776% | 314 |
| Total domestic deposits to total assets | 78.2423% | 5,116 |
| Equity capital to assets | 8.7040% | 5,388 |
| Core capital (leverage) ratio | 8.3298% | 5,581 |
| Tier 1 risk-based capital ratio | 9.4865% | 6,044 |
| Total risk-based capital ratio | 10.7367% | 6,034 |
| Memoranda: | ||
| Average total assets | $133,668,400 | 3,818 |
| Average earning assets | $124,537,600 | 3,796 |
| Average equity | $11,939,600 | 4,319 |
| Average total loans | $116,080,600 | 3,109 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1269% | 116 |
| Cost of funding earning assets | 0.7471% | 657 |
| Net interest margin | 5.3798% | 149 |
| Noninterest income to average assets | 0.5225% | 3,213 |
| Noninterest expense to average assets | 2.7655% | 3,325 |
| Loan and lease loss provision to assets | 0.4586% | 231 |
| Net operating income to assets | 2.1740% | 272 |
| Return on assets (ROA) | 2.1740% | 283 |
| Pretax return on assets | 2.3199% | 326 |
| Return on Equity (ROE) | 24.1832% | 128 |
| Retained earnings to average equity (ytd only) | -2.4895% | 5,898 |
| Net charge-offs to loans | 0.0115% | 3,775 |
| Credit loss provision to net charge-offs | 4,590.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 278.1628% | 254 |
| Efficiency ratio | 49.8829% | 5,783 |
| Assets per employee ($millions) | 4.9887% | 2,311 |
| Cash dividends to net income (ytd only)* | 110.2941% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 1,492 |
| Loan loss allowance to noncurrent loans | 245.5774% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 1.1307% | 2,109 |
| Noncurrent loans to loans | 0.6890% | 3,255 |
| Net loans and leases to total assets | 86.2245% | 217 |
| Net loans and leases to deposits | 109.3730% | 264 |
| Net loans and leases to core deposits | 126.2155% | 334 |
| Total domestic deposits to total assets | 78.8353% | 5,012 |
| Equity capital to assets | 8.7404% | 5,547 |
| Core capital (leverage) ratio | 8.8739% | 5,150 |
| Tier 1 risk-based capital ratio | 9.8488% | 6,077 |
| Total risk-based capital ratio | 11.1040% | 6,047 |
| Memoranda: | ||
| Average total assets | $133,451,500 | 3,873 |
| Average earning assets | $124,562,750 | 3,838 |
| Average equity | $11,997,000 | 4,353 |
| Average total loans | $115,755,250 | 3,138 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1892% | 106 |
| Cost of funding earning assets | 0.7560% | 625 |
| Net interest margin | 5.4333% | 133 |
| Noninterest income to average assets | 0.5307% | 3,164 |
| Noninterest expense to average assets | 2.8428% | 3,089 |
| Loan and lease loss provision to assets | 0.4600% | 230 |
| Net operating income to assets | 2.1408% | 287 |
| Return on assets (ROA) | 2.1408% | 302 |
| Pretax return on assets | 2.3061% | 337 |
| Return on Equity (ROE) | 23.5924% | 145 |
| Retained earnings to average equity (ytd only) | -1.2591% | 5,732 |
| Net charge-offs to loans | -0.0070% | 4,829 |
| Credit loss provision to net charge-offs | -7,650.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6835% | 5,816 |
| Assets per employee ($millions) | 4.1918% | 3,484 |
| Cash dividends to net income (ytd only)* | 105.3371% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 1,720 |
| Loan loss allowance to noncurrent loans | 174.4841% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 1.3660% | 1,837 |
| Noncurrent loans to loans | 0.9505% | 2,749 |
| Net loans and leases to total assets | 84.8729% | 301 |
| Net loans and leases to deposits | 105.1353% | 401 |
| Net loans and leases to core deposits | 119.0872% | 490 |
| Total domestic deposits to total assets | 80.7274% | 4,685 |
| Equity capital to assets | 9.1353% | 5,102 |
| Core capital (leverage) ratio | 8.8994% | 5,098 |
| Tier 1 risk-based capital ratio | 10.2537% | 6,015 |
| Total risk-based capital ratio | 11.5080% | 5,954 |
| Memoranda: | ||
| Average total assets | $133,036,670 | 3,909 |
| Average earning assets | $124,345,330 | 3,874 |
| Average equity | $12,071,670 | 4,369 |
| Average total loans | $114,960,330 | 3,168 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3919% | 85 |
| Cost of funding earning assets | 0.7497% | 659 |
| Net interest margin | 5.6422% | 99 |
| Noninterest income to average assets | 0.4755% | 3,462 |
| Noninterest expense to average assets | 2.6363% | 3,802 |
| Loan and lease loss provision to assets | 0.4547% | 239 |
| Net operating income to assets | 2.5412% | 143 |
| Return on assets (ROA) | 2.5412% | 155 |
| Pretax return on assets | 2.6631% | 195 |
| Return on Equity (ROE) | 28.0973% | 67 |
| Retained earnings to average equity (ytd only) | 11.6661% | 618 |
| Net charge-offs to loans | -0.0172% | 4,974 |
| Credit loss provision to net charge-offs | -3,060.0000% | 5,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8161% | 6,111 |
| Assets per employee ($millions) | 4.7842% | 2,645 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 2,449 |
| Loan loss allowance to noncurrent loans | 163.2887% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 1.3474% | 1,975 |
| Noncurrent loans to loans | 0.9181% | 2,947 |
| Net loans and leases to total assets | 83.7763% | 325 |
| Net loans and leases to deposits | 100.6909% | 525 |
| Net loans and leases to core deposits | 113.8519% | 586 |
| Total domestic deposits to total assets | 83.2015% | 4,117 |
| Equity capital to assets | 9.2432% | 5,034 |
| Core capital (leverage) ratio | 9.1020% | 4,842 |
| Tier 1 risk-based capital ratio | 10.3259% | 6,068 |
| Total risk-based capital ratio | 11.5781% | 6,016 |
| Memoranda: | ||
| Average total assets | $134,582,000 | 3,912 |
| Average earning assets | $125,909,000 | 3,871 |
| Average equity | $12,172,000 | 4,385 |
| Average total loans | $116,366,000 | 3,156 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2534% | 114 |
| Cost of funding earning assets | 0.7945% | 669 |
| Net interest margin | 5.4589% | 141 |
| Noninterest income to average assets | 0.6344% | 2,648 |
| Noninterest expense to average assets | 2.8538% | 3,285 |
| Loan and lease loss provision to assets | 0.4384% | 381 |
| Net operating income to assets | 2.2546% | 200 |
| Return on assets (ROA) | 2.2561% | 203 |
| Pretax return on assets | 2.3567% | 248 |
| Return on Equity (ROE) | 25.1334% | 102 |
| Retained earnings to average equity (ytd only) | 8.5703% | 808 |
| Net charge-offs to loans | 0.3463% | 1,268 |
| Credit loss provision to net charge-offs | 147.4359% | 1,630 |
| Earnings coverage of net charge-offs (x) | 9.3949% | 2,753 |
| Efficiency ratio | 50.5333% | 6,065 |
| Assets per employee ($millions) | 4.6623% | 2,775 |
| Cash dividends to net income (ytd only)* | 65.9006% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 3,398 |
| Loan loss allowance to noncurrent loans | 159.4650% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 1.2803% | 2,207 |
| Noncurrent loans to loans | 0.8182% | 3,269 |
| Net loans and leases to total assets | 86.7188% | 166 |
| Net loans and leases to deposits | 107.9571% | 296 |
| Net loans and leases to core deposits | 122.5544% | 348 |
| Total domestic deposits to total assets | 80.3271% | 4,935 |
| Equity capital to assets | 8.8472% | 5,430 |
| Core capital (leverage) ratio | 8.5824% | 5,466 |
| Tier 1 risk-based capital ratio | 9.8580% | 6,295 |
| Total risk-based capital ratio | 11.1093% | 6,254 |
| Memoranda: | ||
| Average total assets | $131,156,800 | 3,952 |
| Average earning assets | $120,446,000 | 3,954 |
| Average equity | $11,773,200 | 4,403 |
| Average total loans | $112,621,400 | 3,167 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2648% | 117 |
| Cost of funding earning assets | 0.8012% | 678 |
| Net interest margin | 5.4636% | 141 |
| Noninterest income to average assets | 0.4743% | 3,720 |
| Noninterest expense to average assets | 2.8388% | 3,320 |
| Loan and lease loss provision to assets | 0.4836% | 314 |
| Net operating income to assets | 2.0561% | 312 |
| Return on assets (ROA) | 2.0561% | 325 |
| Pretax return on assets | 2.1473% | 407 |
| Return on Equity (ROE) | 22.8205% | 162 |
| Retained earnings to average equity (ytd only) | 15.9982% | 169 |
| Net charge-offs to loans | -0.2665% | 6,365 |
| Credit loss provision to net charge-offs | -212.6126% | 5,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9011% | 5,996 |
| Assets per employee ($millions) | 4.2983% | 3,297 |
| Cash dividends to net income (ytd only)* | 29.8954% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 1,765 |
| Loan loss allowance to noncurrent loans | 101.8299% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 2.1104% | 1,330 |
| Noncurrent loans to loans | 1.7374% | 1,863 |
| Net loans and leases to total assets | 85.7972% | 206 |
| Net loans and leases to deposits | 104.8229% | 368 |
| Net loans and leases to core deposits | 119.2442% | 413 |
| Total domestic deposits to total assets | 81.8496% | 4,533 |
| Equity capital to assets | 9.3660% | 4,956 |
| Core capital (leverage) ratio | 8.9669% | 5,113 |
| Tier 1 risk-based capital ratio | 10.4568% | 6,219 |
| Total risk-based capital ratio | 11.7134% | 6,166 |
| Memoranda: | ||
| Average total assets | $130,144,500 | 4,001 |
| Average earning assets | $118,990,500 | 4,015 |
| Average equity | $11,726,000 | 4,442 |
| Average total loans | $111,077,000 | 3,218 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2059% | 116 |
| Cost of funding earning assets | 0.7991% | 707 |
| Net interest margin | 5.4068% | 150 |
| Noninterest income to average assets | 0.4384% | 3,966 |
| Noninterest expense to average assets | 2.7093% | 3,826 |
| Loan and lease loss provision to assets | 0.5716% | 246 |
| Net operating income to assets | 1.9936% | 343 |
| Return on assets (ROA) | 1.9936% | 354 |
| Pretax return on assets | 2.0835% | 453 |
| Return on Equity (ROE) | 22.4320% | 181 |
| Retained earnings to average equity (ytd only) | 11.9742% | 428 |
| Net charge-offs to loans | -0.0055% | 5,193 |
| Credit loss provision to net charge-offs | -12,300.0000% | 5,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5053% | 6,148 |
| Assets per employee ($millions) | 4.2424% | 3,383 |
| Cash dividends to net income (ytd only)* | 46.6200% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 2,872 |
| Loan loss allowance to noncurrent loans | 51.3298% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 2.6484% | 1,017 |
| Noncurrent loans to loans | 2.9335% | 1,010 |
| Net loans and leases to total assets | 86.3924% | 161 |
| Net loans and leases to deposits | 105.0423% | 333 |
| Net loans and leases to core deposits | 121.2479% | 349 |
| Total domestic deposits to total assets | 82.2454% | 4,571 |
| Equity capital to assets | 8.9564% | 5,347 |
| Core capital (leverage) ratio | 8.6982% | 5,395 |
| Tier 1 risk-based capital ratio | 9.9772% | 6,407 |
| Total risk-based capital ratio | 11.1202% | 6,404 |
| Memoranda: | ||
| Average total assets | $129,110,000 | 4,052 |
| Average earning assets | $117,630,670 | 4,070 |
| Average equity | $11,474,670 | 4,503 |
| Average total loans | $109,308,670 | 3,259 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3728% | 99 |
| Cost of funding earning assets | 0.8000% | 746 |
| Net interest margin | 5.5727% | 120 |
| Noninterest income to average assets | 0.3972% | 4,212 |
| Noninterest expense to average assets | 2.5487% | 4,456 |
| Loan and lease loss provision to assets | 0.6755% | 183 |
| Net operating income to assets | 2.1172% | 278 |
| Return on assets (ROA) | 2.1172% | 292 |
| Pretax return on assets | 2.2266% | 341 |
| Return on Equity (ROE) | 23.9170% | 148 |
| Retained earnings to average equity (ytd only) | 23.9170% | 65 |
| Net charge-offs to loans | -0.0075% | 4,937 |
| Credit loss provision to net charge-offs | -10,800.0000% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7585% | 6,400 |
| Assets per employee ($millions) | 4.2705% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 3,322 |
| Loan loss allowance to noncurrent loans | 67.6496% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 1.9053% | 1,811 |
| Noncurrent loans to loans | 2.1612% | 1,688 |
| Net loans and leases to total assets | 83.2790% | 278 |
| Net loans and leases to deposits | 100.3074% | 423 |
| Net loans and leases to core deposits | 111.8013% | 520 |
| Total domestic deposits to total assets | 83.0237% | 4,597 |
| Equity capital to assets | 9.1582% | 4,928 |
| Core capital (leverage) ratio | 8.7157% | 5,361 |
| Tier 1 risk-based capital ratio | 10.5504% | 6,315 |
| Total risk-based capital ratio | 11.8038% | 6,282 |
| Memoranda: | ||
| Average total assets | $127,907,500 | 4,106 |
| Average earning assets | $115,993,500 | 4,142 |
| Average equity | $11,322,500 | 4,538 |
| Average total loans | $106,285,000 | 3,336 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1367% | 138 |
| Cost of funding earning assets | 0.8707% | 860 |
| Net interest margin | 5.2661% | 196 |
| Noninterest income to average assets | 0.4295% | 4,238 |
| Noninterest expense to average assets | 2.7153% | 4,040 |
| Loan and lease loss provision to assets | 0.3331% | 968 |
| Net operating income to assets | 2.1168% | 283 |
| Return on assets (ROA) | 2.0235% | 328 |
| Pretax return on assets | 2.1068% | 374 |
| Return on Equity (ROE) | 23.4420% | 164 |
| Retained earnings to average equity (ytd only) | -2.6890% | 6,241 |
| Net charge-offs to loans | 0.4975% | 1,329 |
| Credit loss provision to net charge-offs | 84.8723% | 2,901 |
| Earnings coverage of net charge-offs (x) | 6.4637% | 3,058 |
| Efficiency ratio | 51.6958% | 6,316 |
| Assets per employee ($millions) | 4.1194% | 3,601 |
| Cash dividends to net income (ytd only)* | 111.4710% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 4,100 |
| Loan loss allowance to noncurrent loans | 138.0182% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3688% | 2,693 |
| Noncurrent loans to loans | 0.9483% | 3,618 |
| Net loans and leases to total assets | 80.6023% | 532 |
| Net loans and leases to deposits | 96.2844% | 708 |
| Net loans and leases to core deposits | 105.9976% | 796 |
| Total domestic deposits to total assets | 83.7127% | 4,279 |
| Equity capital to assets | 8.5450% | 5,539 |
| Core capital (leverage) ratio | 8.3366% | 5,835 |
| Tier 1 risk-based capital ratio | 10.0245% | 6,512 |
| Total risk-based capital ratio | 11.2750% | 6,473 |
| Memoranda: | ||
| Average total assets | $129,674,400 | 4,082 |
| Average earning assets | $118,760,600 | 4,068 |
| Average equity | $11,193,600 | 4,598 |
| Average total loans | $102,303,600 | 3,395 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1059% | 145 |
| Cost of funding earning assets | 0.8815% | 898 |
| Net interest margin | 5.2244% | 209 |
| Noninterest income to average assets | 0.4312% | 4,287 |
| Noninterest expense to average assets | 2.6058% | 4,371 |
| Loan and lease loss provision to assets | 0.2858% | 1,206 |
| Net operating income to assets | 2.2585% | 232 |
| Return on assets (ROA) | 2.1346% | 300 |
| Pretax return on assets | 2.2186% | 366 |
| Return on Equity (ROE) | 24.6680% | 126 |
| Retained earnings to average equity (ytd only) | -1.6690% | 6,226 |
| Net charge-offs to loans | 0.0183% | 4,761 |
| Credit loss provision to net charge-offs | 1,992.8571% | 166 |
| Earnings coverage of net charge-offs (x) | 183.6052% | 316 |
| Efficiency ratio | 49.7361% | 6,413 |
| Assets per employee ($millions) | 3.9927% | 3,842 |
| Cash dividends to net income (ytd only)* | 106.7656% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6969% | 2,628 |
| Loan loss allowance to noncurrent loans | 95.5767% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.5262% | 2,639 |
| Noncurrent loans to loans | 1.7755% | 2,535 |
| Net loans and leases to total assets | 79.8925% | 562 |
| Net loans and leases to deposits | 96.2872% | 670 |
| Net loans and leases to core deposits | 106.4228% | 736 |
| Total domestic deposits to total assets | 82.9731% | 4,580 |
| Equity capital to assets | 8.8911% | 5,308 |
| Core capital (leverage) ratio | 8.2924% | 5,975 |
| Tier 1 risk-based capital ratio | 10.6349% | 6,414 |
| Total risk-based capital ratio | 11.8906% | 6,381 |
| Memoranda: | ||
| Average total assets | $130,167,750 | 4,111 |
| Average earning assets | $119,794,500 | 4,099 |
| Average equity | $11,264,000 | 4,633 |
| Average total loans | $101,805,750 | 3,431 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0788% | 157 |
| Cost of funding earning assets | 0.8766% | 1,002 |
| Net interest margin | 5.2022% | 205 |
| Noninterest income to average assets | 0.4157% | 4,409 |
| Noninterest expense to average assets | 2.4127% | 5,015 |
| Loan and lease loss provision to assets | 0.1905% | 1,983 |
| Net operating income to assets | 2.5187% | 170 |
| Return on assets (ROA) | 2.4142% | 204 |
| Pretax return on assets | 2.5034% | 273 |
| Return on Equity (ROE) | 28.1402% | 86 |
| Retained earnings to average equity (ytd only) | 6.5549% | 2,119 |
| Net charge-offs to loans | 0.0587% | 3,861 |
| Credit loss provision to net charge-offs | 420.0000% | 639 |
| Earnings coverage of net charge-offs (x) | 61.8000% | 683 |
| Efficiency ratio | 46.2609% | 6,625 |
| Assets per employee ($millions) | 4.1234% | 3,526 |
| Cash dividends to net income (ytd only)* | 76.7063% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 3,612 |
| Loan loss allowance to noncurrent loans | 85.0664% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.4498% | 2,927 |
| Noncurrent loans to loans | 1.7581% | 2,687 |
| Net loans and leases to total assets | 76.7706% | 895 |
| Net loans and leases to deposits | 91.6152% | 1,000 |
| Net loans and leases to core deposits | 102.9451% | 887 |
| Total domestic deposits to total assets | 83.7968% | 4,410 |
| Equity capital to assets | 8.6746% | 5,581 |
| Core capital (leverage) ratio | 8.3787% | 5,788 |
| Tier 1 risk-based capital ratio | 10.7955% | 6,415 |
| Total risk-based capital ratio | 12.0483% | 6,384 |
| Memoranda: | ||
| Average total assets | $132,298,670 | 4,094 |
| Average earning assets | $122,062,670 | 4,080 |
| Average equity | $11,350,330 | 4,649 |
| Average total loans | $102,209,670 | 3,432 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2182% | 128 |
| Cost of funding earning assets | 0.8724% | 1,130 |
| Net interest margin | 5.3458% | 157 |
| Noninterest income to average assets | 0.4680% | 4,003 |
| Noninterest expense to average assets | 2.4186% | 5,066 |
| Loan and lease loss provision to assets | 0.1902% | 1,937 |
| Net operating income to assets | 2.6989% | 131 |
| Return on assets (ROA) | 2.4880% | 171 |
| Pretax return on assets | 2.5635% | 247 |
| Return on Equity (ROE) | 29.1617% | 85 |
| Retained earnings to average equity (ytd only) | 11.4665% | 785 |
| Net charge-offs to loans | -0.0118% | 5,499 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8739% | 6,738 |
| Assets per employee ($millions) | 4.1618% | 3,609 |
| Cash dividends to net income (ytd only)* | 60.6796% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 3,796 |
| Loan loss allowance to noncurrent loans | 77.1750% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.4868% | 3,033 |
| Noncurrent loans to loans | 1.9536% | 2,669 |
| Net loans and leases to total assets | 73.9705% | 1,083 |
| Net loans and leases to deposits | 88.2541% | 1,122 |
| Net loans and leases to core deposits | 99.0518% | 1,001 |
| Total domestic deposits to total assets | 83.8154% | 4,552 |
| Equity capital to assets | 8.6397% | 5,871 |
| Core capital (leverage) ratio | 8.3266% | 5,790 |
| Tier 1 risk-based capital ratio | 10.8728% | 6,457 |
| Total risk-based capital ratio | 12.1254% | 6,426 |
| Memoranda: | ||
| Average total assets | $132,473,500 | 4,128 |
| Average earning assets | $121,964,500 | 4,115 |
| Average equity | $11,302,500 | 4,717 |
| Average total loans | $101,896,500 | 3,464 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7675% | 95 |
| Cost of funding earning assets | 0.9043% | 1,909 |
| Net interest margin | 5.8631% | 96 |
| Noninterest income to average assets | 0.5447% | 3,615 |
| Noninterest expense to average assets | 2.9155% | 3,577 |
| Loan and lease loss provision to assets | 0.3323% | 2,041 |
| Net operating income to assets | 2.5386% | 146 |
| Return on assets (ROA) | 2.5386% | 163 |
| Pretax return on assets | 2.6080% | 219 |
| Return on Equity (ROE) | 29.6755% | 67 |
| Retained earnings to average equity (ytd only) | 13.3545% | 235 |
| Net charge-offs to loans | 0.2185% | 3,643 |
| Credit loss provision to net charge-offs | 184.4037% | 1,424 |
| Earnings coverage of net charge-offs (x) | 16.3165% | 1,583 |
| Efficiency ratio | 49.7883% | 6,603 |
| Assets per employee ($millions) | 4.2507% | 3,460 |
| Cash dividends to net income (ytd only)* | 54.9984% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 4,215 |
| Loan loss allowance to noncurrent loans | 122.5149% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 4,212 |
| Noncurrent loans to loans | 1.1342% | 3,950 |
| Net loans and leases to total assets | 77.6590% | 714 |
| Net loans and leases to deposits | 92.3516% | 887 |
| Net loans and leases to core deposits | 103.8398% | 798 |
| Total domestic deposits to total assets | 84.0906% | 4,275 |
| Equity capital to assets | 8.4229% | 6,107 |
| Core capital (leverage) ratio | 8.5681% | 5,510 |
| Tier 1 risk-based capital ratio | 10.3242% | 6,605 |
| Total risk-based capital ratio | 11.5754% | 6,574 |
| Memoranda: | ||
| Average total assets | $120,973,400 | 4,343 |
| Average earning assets | $109,582,800 | 4,351 |
| Average equity | $10,348,600 | 4,906 |
| Average total loans | $99,752,400 | 3,532 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8666% | 89 |
| Cost of funding earning assets | 0.9180% | 2,056 |
| Net interest margin | 5.9487% | 96 |
| Noninterest income to average assets | 0.5659% | 3,503 |
| Noninterest expense to average assets | 2.9321% | 3,471 |
| Loan and lease loss provision to assets | 0.3822% | 1,689 |
| Net operating income to assets | 2.5917% | 155 |
| Return on assets (ROA) | 2.5917% | 164 |
| Pretax return on assets | 2.6356% | 238 |
| Return on Equity (ROE) | 30.1669% | 73 |
| Retained earnings to average equity (ytd only) | 11.9408% | 540 |
| Net charge-offs to loans | 0.0027% | 5,730 |
| Credit loss provision to net charge-offs | 16,950.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 1,336.7940% | 26 |
| Efficiency ratio | 49.2800% | 6,643 |
| Assets per employee ($millions) | 3.7116% | 4,511 |
| Cash dividends to net income (ytd only)* | 60.4174% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5624% | 3,683 |
| Loan loss allowance to noncurrent loans | 401.7632% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 5,846 |
| Noncurrent loans to loans | 0.3889% | 5,687 |
| Net loans and leases to total assets | 79.6299% | 538 |
| Net loans and leases to deposits | 99.9900% | 435 |
| Net loans and leases to core deposits | 111.1518% | 531 |
| Total domestic deposits to total assets | 79.6379% | 5,742 |
| Equity capital to assets | 8.4155% | 6,336 |
| Core capital (leverage) ratio | 8.7026% | 5,472 |
| Tier 1 risk-based capital ratio | 10.0594% | 6,784 |
| Total risk-based capital ratio | 11.3128% | 6,760 |
| Memoranda: | ||
| Average total assets | $118,274,000 | 4,436 |
| Average earning assets | $107,046,500 | 4,464 |
| Average equity | $10,161,000 | 4,990 |
| Average total loans | $98,747,000 | 3,596 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8900% | 89 |
| Cost of funding earning assets | 0.9369% | 2,139 |
| Net interest margin | 5.9531% | 93 |
| Noninterest income to average assets | 0.5794% | 3,380 |
| Noninterest expense to average assets | 2.9836% | 3,325 |
| Loan and lease loss provision to assets | 0.1314% | 3,883 |
| Net operating income to assets | 2.8452% | 115 |
| Return on assets (ROA) | 2.8452% | 122 |
| Pretax return on assets | 2.8608% | 180 |
| Return on Equity (ROE) | 32.8737% | 63 |
| Retained earnings to average equity (ytd only) | 7.1143% | 2,038 |
| Net charge-offs to loans | 0.0020% | 5,487 |
| Credit loss provision to net charge-offs | 7,600.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 1,730.0000% | 11 |
| Efficiency ratio | 49.9276% | 6,649 |
| Assets per employee ($millions) | 3.5623% | 4,837 |
| Cash dividends to net income (ytd only)* | 78.3587% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 4,753 |
| Loan loss allowance to noncurrent loans | 497.3881% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 6,140 |
| Noncurrent loans to loans | 0.2670% | 6,045 |
| Net loans and leases to total assets | 84.2652% | 201 |
| Net loans and leases to deposits | 106.9995% | 203 |
| Net loans and leases to core deposits | 119.3456% | 326 |
| Total domestic deposits to total assets | 78.7529% | 6,004 |
| Equity capital to assets | 8.5296% | 6,179 |
| Core capital (leverage) ratio | 8.4548% | 5,704 |
| Tier 1 risk-based capital ratio | 9.7967% | 6,870 |
| Total risk-based capital ratio | 11.0474% | 6,868 |
| Memoranda: | ||
| Average total assets | $115,633,670 | 4,515 |
| Average earning assets | $104,818,670 | 4,542 |
| Average equity | $10,008,000 | 5,028 |
| Average total loans | $97,634,670 | 3,634 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9141% | 96 |
| Cost of funding earning assets | 0.9519% | 2,295 |
| Net interest margin | 5.9622% | 105 |
| Noninterest income to average assets | 0.6488% | 2,936 |
| Noninterest expense to average assets | 2.9963% | 3,262 |
| Loan and lease loss provision to assets | 0.0105% | 5,166 |
| Net operating income to assets | 3.1463% | 93 |
| Return on assets (ROA) | 3.1463% | 110 |
| Pretax return on assets | 3.0382% | 179 |
| Return on Equity (ROE) | 36.0854% | 60 |
| Retained earnings to average equity (ytd only) | 28.0842% | 67 |
| Net charge-offs to loans | 0.0042% | 4,693 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 874.0000% | 19 |
| Efficiency ratio | 49.5672% | 6,701 |
| Assets per employee ($millions) | 3.5478% | 5,002 |
| Cash dividends to net income (ytd only)* | 22.1729% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 5,015 |
| Loan loss allowance to noncurrent loans | 15,750.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 6,820 |
| Noncurrent loans to loans | 0.0083% | 6,776 |
| Net loans and leases to total assets | 84.1656% | 177 |
| Net loans and leases to deposits | 108.2520% | 162 |
| Net loans and leases to core deposits | 121.0418% | 294 |
| Total domestic deposits to total assets | 77.7497% | 6,302 |
| Equity capital to assets | 9.1402% | 5,307 |
| Core capital (leverage) ratio | 8.9758% | 4,877 |
| Tier 1 risk-based capital ratio | 10.4836% | 6,743 |
| Total risk-based capital ratio | 11.7339% | 6,734 |
| Memoranda: | ||
| Average total assets | $114,673,000 | 4,575 |
| Average earning assets | $103,788,000 | 4,606 |
| Average equity | $9,998,500 | 5,045 |
| Average total loans | $96,256,500 | 3,680 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9358% | 102 |
| Cost of funding earning assets | 1.2000% | 2,023 |
| Net interest margin | 5.7358% | 122 |
| Noninterest income to average assets | 0.5845% | 3,255 |
| Noninterest expense to average assets | 3.1522% | 3,019 |
| Loan and lease loss provision to assets | 0.0776% | 5,641 |
| Net operating income to assets | 2.4221% | 151 |
| Return on assets (ROA) | 2.4221% | 158 |
| Pretax return on assets | 2.5488% | 193 |
| Return on Equity (ROE) | 28.3988% | 52 |
| Retained earnings to average equity (ytd only) | 4.7239% | 2,837 |
| Net charge-offs to loans | 0.0719% | 5,600 |
| Credit loss provision to net charge-offs | 134.4262% | 2,241 |
| Earnings coverage of net charge-offs (x) | 45.5246% | 605 |
| Efficiency ratio | 54.5499% | 6,462 |
| Assets per employee ($millions) | 3.5095% | 4,988 |
| Cash dividends to net income (ytd only)* | 83.3659% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 4,839 |
| Loan loss allowance to noncurrent loans | 125,800.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 6,380 |
| Noncurrent loans to loans | 0.0010% | 6,877 |
| Net loans and leases to total assets | 81.5447% | 368 |
| Net loans and leases to deposits | 103.4664% | 322 |
| Net loans and leases to core deposits | 114.6685% | 476 |
| Total domestic deposits to total assets | 78.8128% | 6,031 |
| Equity capital to assets | 8.3064% | 6,347 |
| Core capital (leverage) ratio | 8.5711% | 5,443 |
| Tier 1 risk-based capital ratio | 9.7158% | 6,917 |
| Total risk-based capital ratio | 10.9660% | 6,912 |
| Memoranda: | ||
| Average total assets | $105,736,200 | 4,739 |
| Average earning assets | $95,750,000 | 4,762 |
| Average equity | $9,018,000 | 5,270 |
| Average total loans | $84,796,800 | 4,005 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9109% | 110 |
| Cost of funding earning assets | 1.2592% | 1,939 |
| Net interest margin | 5.6516% | 146 |
| Noninterest income to average assets | 0.5955% | 3,195 |
| Noninterest expense to average assets | 3.2668% | 2,610 |
| Loan and lease loss provision to assets | 0.0762% | 5,496 |
| Net operating income to assets | 2.2657% | 225 |
| Return on assets (ROA) | 2.2657% | 242 |
| Pretax return on assets | 2.3949% | 299 |
| Return on Equity (ROE) | 26.3728% | 107 |
| Retained earnings to average equity (ytd only) | -3.6838% | 6,487 |
| Net charge-offs to loans | 0.0682% | 5,278 |
| Credit loss provision to net charge-offs | 140.4762% | 2,263 |
| Earnings coverage of net charge-offs (x) | 45.5464% | 695 |
| Efficiency ratio | 56.9338% | 6,159 |
| Assets per employee ($millions) | 3.5031% | 4,988 |
| Cash dividends to net income (ytd only)* | 113.9681% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 4,614 |
| Loan loss allowance to noncurrent loans | 384.6626% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 5,728 |
| Noncurrent loans to loans | 0.3610% | 6,131 |
| Net loans and leases to total assets | 81.9975% | 357 |
| Net loans and leases to deposits | 106.5883% | 237 |
| Net loans and leases to core deposits | 117.5339% | 451 |
| Total domestic deposits to total assets | 76.9292% | 6,385 |
| Equity capital to assets | 8.2996% | 6,484 |
| Core capital (leverage) ratio | 8.4675% | 5,752 |
| Tier 1 risk-based capital ratio | 9.5253% | 7,050 |
| Total risk-based capital ratio | 10.7763% | 7,049 |
| Memoranda: | ||
| Average total assets | $103,216,500 | 4,838 |
| Average earning assets | $93,917,250 | 4,851 |
| Average equity | $8,867,500 | 5,347 |
| Average total loans | $82,071,250 | 4,121 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8651% | 127 |
| Cost of funding earning assets | 1.3272% | 1,782 |
| Net interest margin | 5.5379% | 169 |
| Noninterest income to average assets | 0.5778% | 3,283 |
| Noninterest expense to average assets | 3.3464% | 2,414 |
| Loan and lease loss provision to assets | 0.1104% | 4,920 |
| Net operating income to assets | 2.0429% | 323 |
| Return on assets (ROA) | 2.0429% | 336 |
| Pretax return on assets | 2.1731% | 430 |
| Return on Equity (ROE) | 23.4947% | 180 |
| Retained earnings to average equity (ytd only) | -13.9018% | 7,002 |
| Net charge-offs to loans | 0.1891% | 4,025 |
| Credit loss provision to net charge-offs | 74.6667% | 3,927 |
| Earnings coverage of net charge-offs (x) | 15.4400% | 1,405 |
| Efficiency ratio | 59.4396% | 5,955 |
| Assets per employee ($millions) | 2.9901% | 6,113 |
| Cash dividends to net income (ytd only)* | 159.1699% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 4,229 |
| Loan loss allowance to noncurrent loans | 121,800.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 6,433 |
| Noncurrent loans to loans | 0.0012% | 7,025 |
| Net loans and leases to total assets | 82.2294% | 355 |
| Net loans and leases to deposits | 105.0819% | 289 |
| Net loans and leases to core deposits | 113.1456% | 606 |
| Total domestic deposits to total assets | 78.2526% | 6,240 |
| Equity capital to assets | 8.7389% | 5,885 |
| Core capital (leverage) ratio | 8.4550% | 5,622 |
| Tier 1 risk-based capital ratio | 9.9908% | 6,976 |
| Total risk-based capital ratio | 11.2438% | 6,979 |
| Memoranda: | ||
| Average total assets | $101,423,330 | 4,919 |
| Average earning assets | $92,526,000 | 4,920 |
| Average equity | $8,819,000 | 5,372 |
| Average total loans | $79,328,330 | 4,242 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7343% | 157 |
| Cost of funding earning assets | 1.3980% | 1,621 |
| Net interest margin | 5.3363% | 212 |
| Noninterest income to average assets | 0.6031% | 3,136 |
| Noninterest expense to average assets | 3.2491% | 2,708 |
| Loan and lease loss provision to assets | 0.2062% | 3,578 |
| Net operating income to assets | 1.8600% | 435 |
| Return on assets (ROA) | 1.8600% | 458 |
| Pretax return on assets | 2.0195% | 543 |
| Return on Equity (ROE) | 21.4422% | 271 |
| Retained earnings to average equity (ytd only) | -12.4706% | 6,959 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3461% | 6,075 |
| Assets per employee ($millions) | 2.9256% | 6,293 |
| Cash dividends to net income (ytd only)* | 158.1590% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 3,374 |
| Loan loss allowance to noncurrent loans | 1,264.7059% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 6,225 |
| Noncurrent loans to loans | 0.1336% | 6,709 |
| Net loans and leases to total assets | 75.4745% | 1,111 |
| Net loans and leases to deposits | 93.1718% | 902 |
| Net loans and leases to core deposits | 100.3381% | 1,314 |
| Total domestic deposits to total assets | 81.0057% | 5,652 |
| Equity capital to assets | 8.8789% | 5,380 |
| Core capital (leverage) ratio | 8.4556% | 5,538 |
| Tier 1 risk-based capital ratio | 11.2078% | 6,342 |
| Total risk-based capital ratio | 12.4629% | 6,309 |
| Memoranda: | ||
| Average total assets | $102,798,000 | 4,924 |
| Average earning assets | $93,848,500 | 4,918 |
| Average equity | $8,917,000 | 5,356 |
| Average total loans | $77,814,000 | 4,333 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3317% | 97 |
| Cost of funding earning assets | 1.6811% | 1,683 |
| Net interest margin | 5.6505% | 138 |
| Noninterest income to average assets | 0.6825% | 2,955 |
| Noninterest expense to average assets | 3.4272% | 2,362 |
| Loan and lease loss provision to assets | 0.5853% | 2,793 |
| Net operating income to assets | 1.6531% | 568 |
| Return on assets (ROA) | 1.6450% | 619 |
| Pretax return on assets | 1.7821% | 794 |
| Return on Equity (ROE) | 19.4693% | 285 |
| Retained earnings to average equity (ytd only) | 7.7210% | 1,069 |
| Net charge-offs to loans | 0.5226% | 3,535 |
| Credit loss provision to net charge-offs | 145.7627% | 2,527 |
| Earnings coverage of net charge-offs (x) | 5.9177% | 2,496 |
| Efficiency ratio | 59.0551% | 6,189 |
| Assets per employee ($millions) | 3.3164% | 5,399 |
| Cash dividends to net income (ytd only)* | 60.3428% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5606% | 3,737 |
| Loan loss allowance to noncurrent loans | 2,333.9623% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 6,445 |
| Noncurrent loans to loans | 0.0669% | 6,957 |
| Net loans and leases to total assets | 73.5225% | 1,762 |
| Net loans and leases to deposits | 91.8114% | 1,281 |
| Net loans and leases to core deposits | 98.7946% | 1,721 |
| Total domestic deposits to total assets | 80.0799% | 5,812 |
| Equity capital to assets | 8.4825% | 5,876 |
| Core capital (leverage) ratio | 8.7017% | 5,018 |
| Tier 1 risk-based capital ratio | 10.7618% | 6,521 |
| Total risk-based capital ratio | 12.0152% | 6,485 |
| Memoranda: | ||
| Average total assets | $102,854,600 | 4,900 |
| Average earning assets | $93,212,200 | 4,909 |
| Average equity | $8,690,600 | 5,504 |
| Average total loans | $79,023,800 | 4,366 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3667% | 99 |
| Cost of funding earning assets | 1.7209% | 1,766 |
| Net interest margin | 5.6458% | 139 |
| Noninterest income to average assets | 0.7082% | 2,780 |
| Noninterest expense to average assets | 3.3216% | 2,510 |
| Loan and lease loss provision to assets | 0.5475% | 2,757 |
| Net operating income to assets | 1.7863% | 526 |
| Return on assets (ROA) | 1.7875% | 571 |
| Pretax return on assets | 1.9548% | 692 |
| Return on Equity (ROE) | 21.1773% | 246 |
| Retained earnings to average equity (ytd only) | 8.4679% | 1,248 |
| Net charge-offs to loans | 0.1891% | 4,819 |
| Credit loss provision to net charge-offs | 374.1071% | 836 |
| Earnings coverage of net charge-offs (x) | 17.0893% | 1,345 |
| Efficiency ratio | 57.0467% | 6,405 |
| Assets per employee ($millions) | 3.2086% | 5,661 |
| Cash dividends to net income (ytd only)* | 60.0148% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 3,140 |
| Loan loss allowance to noncurrent loans | 3,662.1622% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 6,565 |
| Noncurrent loans to loans | 0.0465% | 7,130 |
| Net loans and leases to total assets | 76.1639% | 1,376 |
| Net loans and leases to deposits | 96.0854% | 970 |
| Net loans and leases to core deposits | 107.8544% | 1,174 |
| Total domestic deposits to total assets | 79.2668% | 5,942 |
| Equity capital to assets | 8.7986% | 5,860 |
| Core capital (leverage) ratio | 8.3949% | 5,708 |
| Tier 1 risk-based capital ratio | 10.6713% | 6,655 |
| Total risk-based capital ratio | 11.9254% | 6,641 |
| Memoranda: | ||
| Average total assets | $102,037,250 | 4,989 |
| Average earning assets | $92,431,500 | 4,997 |
| Average equity | $8,612,750 | 5,598 |
| Average total loans | $78,964,250 | 4,432 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2439% | 115 |
| Cost of funding earning assets | 1.7113% | 2,060 |
| Net interest margin | 5.5326% | 158 |
| Noninterest income to average assets | 0.6953% | 2,734 |
| Noninterest expense to average assets | 3.2821% | 2,618 |
| Loan and lease loss provision to assets | 0.6010% | 2,385 |
| Net operating income to assets | 1.6422% | 661 |
| Return on assets (ROA) | 1.6440% | 703 |
| Pretax return on assets | 1.8306% | 837 |
| Return on Equity (ROE) | 19.7584% | 339 |
| Retained earnings to average equity (ytd only) | 6.8694% | 1,893 |
| Net charge-offs to loans | 0.2031% | 4,398 |
| Credit loss provision to net charge-offs | 382.5000% | 945 |
| Earnings coverage of net charge-offs (x) | 15.4625% | 1,456 |
| Efficiency ratio | 57.4622% | 6,456 |
| Assets per employee ($millions) | 3.1167% | 5,876 |
| Cash dividends to net income (ytd only)* | 65.2330% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 3,639 |
| Loan loss allowance to noncurrent loans | 517.8862% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 6,134 |
| Noncurrent loans to loans | 0.3006% | 6,626 |
| Net loans and leases to total assets | 78.3240% | 1,057 |
| Net loans and leases to deposits | 98.2546% | 847 |
| Net loans and leases to core deposits | 116.3261% | 834 |
| Total domestic deposits to total assets | 79.7153% | 5,813 |
| Equity capital to assets | 8.4763% | 6,189 |
| Core capital (leverage) ratio | 8.2931% | 5,784 |
| Tier 1 risk-based capital ratio | 10.1736% | 6,926 |
| Total risk-based capital ratio | 11.4273% | 6,894 |
| Memoranda: | ||
| Average total assets | $101,824,330 | 5,026 |
| Average earning assets | $92,326,000 | 5,033 |
| Average equity | $8,472,330 | 5,646 |
| Average total loans | $78,766,670 | 4,480 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0887% | 152 |
| Cost of funding earning assets | 1.7173% | 2,304 |
| Net interest margin | 5.3714% | 219 |
| Noninterest income to average assets | 0.6041% | 3,255 |
| Noninterest expense to average assets | 2.7875% | 4,530 |
| Loan and lease loss provision to assets | 0.6041% | 2,105 |
| Net operating income to assets | 1.7378% | 565 |
| Return on assets (ROA) | 1.7412% | 613 |
| Pretax return on assets | 2.0452% | 560 |
| Return on Equity (ROE) | 21.1270% | 323 |
| Retained earnings to average equity (ytd only) | 7.6651% | 1,855 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3081% | 7,207 |
| Assets per employee ($millions) | 2.9817% | 6,255 |
| Cash dividends to net income (ytd only)* | 63.7188% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 3,626 |
| Loan loss allowance to noncurrent loans | 498.3402% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 6,162 |
| Noncurrent loans to loans | 0.3126% | 6,690 |
| Net loans and leases to total assets | 74.8535% | 1,775 |
| Net loans and leases to deposits | 94.1630% | 1,328 |
| Net loans and leases to core deposits | 111.1396% | 1,209 |
| Total domestic deposits to total assets | 79.4936% | 5,951 |
| Equity capital to assets | 8.3854% | 6,175 |
| Core capital (leverage) ratio | 8.4186% | 5,527 |
| Tier 1 risk-based capital ratio | 10.4091% | 6,712 |
| Total risk-based capital ratio | 11.6614% | 6,707 |
| Memoranda: | ||
| Average total assets | $101,311,000 | 5,109 |
| Average earning assets | $91,075,000 | 5,132 |
| Average equity | $8,349,500 | 5,730 |
| Average total loans | $77,234,500 | 4,596 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2570% | 186 |
| Cost of funding earning assets | 2.2489% | 1,842 |
| Net interest margin | 5.0082% | 444 |
| Noninterest income to average assets | 0.6160% | 3,513 |
| Noninterest expense to average assets | 3.0609% | 3,903 |
| Loan and lease loss provision to assets | 0.8723% | 2,563 |
| Net operating income to assets | 1.1349% | 1,427 |
| Return on assets (ROA) | 1.0310% | 1,783 |
| Pretax return on assets | 1.0974% | 2,262 |
| Return on Equity (ROE) | 13.1549% | 929 |
| Retained earnings to average equity (ytd only) | 6.2441% | 1,255 |
| Net charge-offs to loans | 0.8788% | 2,643 |
| Credit loss provision to net charge-offs | 126.5306% | 4,115 |
| Earnings coverage of net charge-offs (x) | 3.0175% | 3,569 |
| Efficiency ratio | 59.5387% | 6,551 |
| Assets per employee ($millions) | 2.9778% | 6,275 |
| Cash dividends to net income (ytd only)* | 52.5341% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 4,463 |
| Loan loss allowance to noncurrent loans | 63.7858% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.9221% | 3,501 |
| Noncurrent loans to loans | 2.1232% | 3,489 |
| Net loans and leases to total assets | 75.3971% | 1,944 |
| Net loans and leases to deposits | 94.4612% | 1,538 |
| Net loans and leases to core deposits | 126.2737% | 1,492 |
| Total domestic deposits to total assets | 79.8181% | 5,723 |
| Equity capital to assets | 8.0973% | 6,464 |
| Core capital (leverage) ratio | 8.4576% | 5,352 |
| Tier 1 risk-based capital ratio | 10.0770% | 6,807 |
| Total risk-based capital ratio | 11.3271% | 6,772 |
| Memoranda: | ||
| Average total assets | $99,511,800 | 5,098 |
| Average earning assets | $89,912,600 | 5,121 |
| Average equity | $7,799,400 | 5,999 |
| Average total loans | $78,064,600 | 4,583 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3627% | 173 |
| Cost of funding earning assets | 2.3469% | 1,822 |
| Net interest margin | 5.0158% | 425 |
| Noninterest income to average assets | 0.6231% | 3,539 |
| Noninterest expense to average assets | 3.0709% | 3,764 |
| Loan and lease loss provision to assets | 0.8128% | 2,338 |
| Net operating income to assets | 1.1740% | 1,531 |
| Return on assets (ROA) | 1.1385% | 1,682 |
| Pretax return on assets | 1.2501% | 2,107 |
| Return on Equity (ROE) | 14.6494% | 819 |
| Retained earnings to average equity (ytd only) | 6.3550% | 1,788 |
| Net charge-offs to loans | 0.8828% | 2,199 |
| Credit loss provision to net charge-offs | 116.6023% | 4,359 |
| Earnings coverage of net charge-offs (x) | 3.0154% | 3,725 |
| Efficiency ratio | 59.3652% | 6,506 |
| Assets per employee ($millions) | 2.9783% | 6,219 |
| Cash dividends to net income (ytd only)* | 56.6194% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,211 |
| Loan loss allowance to noncurrent loans | 38.0040% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 2.5488% | 2,722 |
| Noncurrent loans to loans | 3.1110% | 2,426 |
| Net loans and leases to total assets | 80.9580% | 989 |
| Net loans and leases to deposits | 102.5189% | 885 |
| Net loans and leases to core deposits | 137.8851% | 1,018 |
| Total domestic deposits to total assets | 78.9689% | 5,817 |
| Equity capital to assets | 8.3178% | 6,482 |
| Core capital (leverage) ratio | 8.2065% | 5,999 |
| Tier 1 risk-based capital ratio | 9.7506% | 7,188 |
| Total risk-based capital ratio | 10.8829% | 7,245 |
| Memoranda: | ||
| Average total assets | $99,078,750 | 5,148 |
| Average earning assets | $89,874,000 | 5,168 |
| Average equity | $7,699,750 | 6,085 |
| Average total loans | $78,235,000 | 4,618 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2623% | 222 |
| Cost of funding earning assets | 2.3919% | 1,996 |
| Net interest margin | 4.8704% | 575 |
| Noninterest income to average assets | 0.5637% | 3,938 |
| Noninterest expense to average assets | 2.9252% | 4,411 |
| Loan and lease loss provision to assets | 0.5254% | 2,918 |
| Net operating income to assets | 1.4196% | 978 |
| Return on assets (ROA) | 1.4233% | 1,037 |
| Pretax return on assets | 1.5361% | 1,360 |
| Return on Equity (ROE) | 18.7500% | 425 |
| Retained earnings to average equity (ytd only) | 8.1153% | 1,175 |
| Net charge-offs to loans | 0.4130% | 3,140 |
| Credit loss provision to net charge-offs | 163.1250% | 2,815 |
| Earnings coverage of net charge-offs (x) | 6.3875% | 2,630 |
| Efficiency ratio | 58.7071% | 6,735 |
| Assets per employee ($millions) | 2.8399% | 6,540 |
| Cash dividends to net income (ytd only)* | 56.7185% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 4,808 |
| Loan loss allowance to noncurrent loans | 32.2226% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 3.0293% | 2,091 |
| Noncurrent loans to loans | 3.7897% | 1,808 |
| Net loans and leases to total assets | 78.6973% | 1,592 |
| Net loans and leases to deposits | 98.9826% | 1,393 |
| Net loans and leases to core deposits | 145.0866% | 794 |
| Total domestic deposits to total assets | 79.5062% | 5,644 |
| Equity capital to assets | 7.8846% | 6,881 |
| Core capital (leverage) ratio | 8.1373% | 6,097 |
| Tier 1 risk-based capital ratio | 9.7446% | 7,190 |
| Total risk-based capital ratio | 10.9026% | 7,219 |
| Memoranda: | ||
| Average total assets | $99,344,000 | 5,183 |
| Average earning assets | $90,136,670 | 5,193 |
| Average equity | $7,541,330 | 6,168 |
| Average total loans | $77,473,330 | 4,676 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3821% | 197 |
| Cost of funding earning assets | 2.4563% | 2,085 |
| Net interest margin | 4.9259% | 479 |
| Noninterest income to average assets | 0.5477% | 3,946 |
| Noninterest expense to average assets | 2.9038% | 4,148 |
| Loan and lease loss provision to assets | 0.5759% | 2,185 |
| Net operating income to assets | 1.4023% | 1,133 |
| Return on assets (ROA) | 1.4096% | 1,203 |
| Pretax return on assets | 1.5425% | 1,551 |
| Return on Equity (ROE) | 18.9356% | 510 |
| Retained earnings to average equity (ytd only) | 0.3246% | 5,530 |
| Net charge-offs to loans | 0.0731% | 4,455 |
| Credit loss provision to net charge-offs | 1,021.4286% | 603 |
| Earnings coverage of net charge-offs (x) | 37.4286% | 895 |
| Efficiency ratio | 57.9116% | 6,714 |
| Assets per employee ($millions) | 3.1694% | 5,679 |
| Cash dividends to net income (ytd only)* | 98.2857% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 3,983 |
| Loan loss allowance to noncurrent loans | 230.8585% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 6,149 |
| Noncurrent loans to loans | 0.5703% | 5,987 |
| Net loans and leases to total assets | 75.9097% | 2,289 |
| Net loans and leases to deposits | 95.1386% | 2,087 |
| Net loans and leases to core deposits | 137.6458% | 1,216 |
| Total domestic deposits to total assets | 79.7885% | 5,435 |
| Equity capital to assets | 7.5847% | 7,277 |
| Core capital (leverage) ratio | 7.8891% | 6,638 |
| Tier 1 risk-based capital ratio | 9.7407% | 7,211 |
| Total risk-based capital ratio | 10.9774% | 7,134 |
| Memoranda: | ||
| Average total assets | $99,318,000 | 5,197 |
| Average earning assets | $90,055,500 | 5,219 |
| Average equity | $7,393,500 | 6,258 |
| Average total loans | $76,615,500 | 4,744 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1968% | 150 |
| Cost of funding earning assets | 3.2151% | 1,146 |
| Net interest margin | 4.9817% | 534 |
| Noninterest income to average assets | 0.6328% | 3,611 |
| Noninterest expense to average assets | 2.9908% | 4,105 |
| Loan and lease loss provision to assets | 0.2801% | 4,151 |
| Net operating income to assets | 1.4192% | 1,187 |
| Return on assets (ROA) | 0.5789% | 4,264 |
| Pretax return on assets | 0.7552% | 4,234 |
| Return on Equity (ROE) | 8.0184% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.1993% | 1,090 |
| Net charge-offs to loans | -0.0297% | 7,973 |
| Credit loss provision to net charge-offs | -1,285.7143% | 7,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4431% | 6,613 |
| Assets per employee ($millions) | 3.3462% | 5,100 |
| Cash dividends to net income (ytd only)* | 10.2151% | 4,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 5,161 |
| Loan loss allowance to noncurrent loans | 205.2133% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 5,956 |
| Noncurrent loans to loans | 0.5434% | 5,732 |
| Net loans and leases to total assets | 76.4935% | 2,500 |
| Net loans and leases to deposits | 95.3355% | 2,556 |
| Net loans and leases to core deposits | 134.9620% | 1,536 |
| Total domestic deposits to total assets | 80.2361% | 4,930 |
| Equity capital to assets | 7.3069% | 7,553 |
| Core capital (leverage) ratio | 7.7847% | 6,827 |
| Tier 1 risk-based capital ratio | 9.4058% | 7,407 |
| Total risk-based capital ratio | 10.4460% | 7,572 |
| Memoranda: | ||
| Average total assets | $96,395,400 | 5,154 |
| Average earning assets | $86,778,000 | 5,192 |
| Average equity | $6,959,000 | 6,471 |
| Average total loans | $70,745,400 | 4,837 |