Home > Peoples State Bank > Performance and Condition Ratios
Peoples State Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 1,521 |
| Cost of funding earning assets | 0.5540% | 3,024 |
| Net interest margin | 4.2583% | 1,250 |
| Noninterest income to average assets | 0.8055% | 1,430 |
| Noninterest expense to average assets | 3.8837% | 613 |
| Loan and lease loss provision to assets | -0.1639% | 5,312 |
| Net operating income to assets | 0.7610% | 3,936 |
| Return on assets (ROA) | 0.7610% | 3,938 |
| Pretax return on assets | 1.0093% | 3,565 |
| Return on Equity (ROE) | 8.5502% | 3,201 |
| Retained earnings to average equity (ytd only) | 6.3403% | 2,010 |
| Net charge-offs to loans | -0.0482% | 4,961 |
| Credit loss provision to net charge-offs | 400.0000% | 824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1243% | 794 |
| Assets per employee ($millions) | 2.9738% | 5,010 |
| Cash dividends to net income (ytd only)* | 25.8462% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 4,075 |
| Loan loss allowance to noncurrent loans | 80.4624% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 956 |
| Noncurrent loans to loans | 1.1474% | 1,398 |
| Net loans and leases to total assets | 86.6071% | 200 |
| Net loans and leases to deposits | 104.2749% | 464 |
| Net loans and leases to core deposits | 107.5713% | 1,152 |
| Total domestic deposits to total assets | 83.0566% | 3,307 |
| Equity capital to assets | 9.1802% | 4,423 |
| Core capital (leverage) ratio | 9.2185% | 4,431 |
| Tier 1 risk-based capital ratio | 10.4800% | 5,189 |
| Total risk-based capital ratio | 11.3909% | 5,208 |
| Memoranda: | ||
| Average total assets | $85,409,000 | 4,335 |
| Average earning assets | $78,693,400 | 4,334 |
| Average equity | $7,602,200 | 4,660 |
| Average total loans | $72,555,200 | 3,817 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 1,603 |
| Cost of funding earning assets | 0.5157% | 3,093 |
| Net interest margin | 4.2094% | 1,334 |
| Noninterest income to average assets | 0.7856% | 1,522 |
| Noninterest expense to average assets | 3.9482% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5368% | 4,679 |
| Return on assets (ROA) | 0.5368% | 4,686 |
| Pretax return on assets | 0.7073% | 4,518 |
| Return on Equity (ROE) | 6.0786% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.1925% | 3,119 |
| Net charge-offs to loans | -0.0093% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8067% | 592 |
| Assets per employee ($millions) | 2.8817% | 5,119 |
| Cash dividends to net income (ytd only)* | 14.5784% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,311 |
| Loan loss allowance to noncurrent loans | 222.0386% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.7392% | 2,005 |
| Noncurrent loans to loans | 0.4852% | 2,935 |
| Net loans and leases to total assets | 85.6102% | 300 |
| Net loans and leases to deposits | 100.3553% | 752 |
| Net loans and leases to core deposits | 103.4251% | 1,496 |
| Total domestic deposits to total assets | 85.3071% | 2,482 |
| Equity capital to assets | 8.8861% | 4,653 |
| Core capital (leverage) ratio | 8.9989% | 4,705 |
| Tier 1 risk-based capital ratio | 10.2016% | 5,331 |
| Total risk-based capital ratio | 11.4519% | 5,260 |
| Memoranda: | ||
| Average total assets | $85,201,250 | 4,387 |
| Average earning assets | $78,331,250 | 4,387 |
| Average equity | $7,523,500 | 4,722 |
| Average total loans | $71,847,500 | 3,868 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6589% | 1,620 |
| Cost of funding earning assets | 0.4620% | 3,271 |
| Net interest margin | 4.1968% | 1,296 |
| Noninterest income to average assets | 0.7360% | 1,707 |
| Noninterest expense to average assets | 4.0172% | 518 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4388% | 4,877 |
| Return on assets (ROA) | 0.4388% | 4,883 |
| Pretax return on assets | 0.5756% | 4,775 |
| Return on Equity (ROE) | 4.9795% | 4,553 |
| Retained earnings to average equity (ytd only) | 3.6409% | 3,775 |
| Net charge-offs to loans | -0.0141% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4679% | 495 |
| Assets per employee ($millions) | 2.7153% | 5,254 |
| Cash dividends to net income (ytd only)* | 26.8817% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 3,340 |
| Loan loss allowance to noncurrent loans | 136.2098% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 1,947 |
| Noncurrent loans to loans | 0.7983% | 2,132 |
| Net loans and leases to total assets | 84.2729% | 428 |
| Net loans and leases to deposits | 96.0755% | 1,129 |
| Net loans and leases to core deposits | 98.9099% | 1,822 |
| Total domestic deposits to total assets | 87.7152% | 1,525 |
| Equity capital to assets | 8.6836% | 4,814 |
| Core capital (leverage) ratio | 8.9665% | 4,718 |
| Tier 1 risk-based capital ratio | 10.1859% | 5,380 |
| Total risk-based capital ratio | 11.4357% | 5,309 |
| Memoranda: | ||
| Average total assets | $84,785,000 | 4,433 |
| Average earning assets | $77,915,670 | 4,440 |
| Average equity | $7,470,670 | 4,777 |
| Average total loans | $70,858,000 | 3,913 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 1,753 |
| Cost of funding earning assets | 0.4059% | 3,536 |
| Net interest margin | 4.1319% | 1,364 |
| Noninterest income to average assets | 0.5446% | 2,553 |
| Noninterest expense to average assets | 4.1704% | 425 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1338% | 5,304 |
| Return on assets (ROA) | 0.1338% | 5,299 |
| Pretax return on assets | 0.1672% | 5,290 |
| Return on Equity (ROE) | 1.5067% | 5,250 |
| Retained earnings to average equity (ytd only) | 0.1614% | 4,784 |
| Net charge-offs to loans | -0.0173% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1454% | 251 |
| Assets per employee ($millions) | 2.7275% | 5,321 |
| Cash dividends to net income (ytd only)* | 89.2857% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,252 |
| Loan loss allowance to noncurrent loans | 166.5975% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 2,256 |
| Noncurrent loans to loans | 0.6733% | 2,533 |
| Net loans and leases to total assets | 83.7140% | 464 |
| Net loans and leases to deposits | 93.3466% | 1,297 |
| Net loans and leases to core deposits | 95.5854% | 2,006 |
| Total domestic deposits to total assets | 89.6808% | 790 |
| Equity capital to assets | 8.7628% | 4,775 |
| Core capital (leverage) ratio | 8.9379% | 4,749 |
| Tier 1 risk-based capital ratio | 10.0543% | 5,491 |
| Total risk-based capital ratio | 11.3045% | 5,426 |
| Memoranda: | ||
| Average total assets | $83,733,500 | 4,502 |
| Average earning assets | $76,865,500 | 4,513 |
| Average equity | $7,433,500 | 4,831 |
| Average total loans | $69,273,000 | 3,981 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 1,946 |
| Cost of funding earning assets | 0.3986% | 3,269 |
| Net interest margin | 4.0293% | 1,660 |
| Noninterest income to average assets | 1.0329% | 954 |
| Noninterest expense to average assets | 4.0240% | 518 |
| Loan and lease loss provision to assets | -0.0605% | 5,415 |
| Net operating income to assets | 0.3960% | 4,709 |
| Return on assets (ROA) | 0.3960% | 4,721 |
| Pretax return on assets | 0.7544% | 4,376 |
| Return on Equity (ROE) | 4.4333% | 4,371 |
| Retained earnings to average equity (ytd only) | 3.4165% | 3,240 |
| Net charge-offs to loans | 0.1647% | 1,487 |
| Credit loss provision to net charge-offs | -49.0196% | 4,646 |
| Earnings coverage of net charge-offs (x) | 5.6176% | 3,300 |
| Efficiency ratio | 85.2926% | 686 |
| Assets per employee ($millions) | 2.5911% | 5,419 |
| Cash dividends to net income (ytd only)* | 22.9358% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 2,813 |
| Loan loss allowance to noncurrent loans | 133.2779% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.0577% | 1,441 |
| Noncurrent loans to loans | 0.8975% | 1,983 |
| Net loans and leases to total assets | 79.7928% | 989 |
| Net loans and leases to deposits | 89.6308% | 1,817 |
| Net loans and leases to core deposits | 91.8354% | 2,389 |
| Total domestic deposits to total assets | 89.0238% | 995 |
| Equity capital to assets | 8.9946% | 4,730 |
| Core capital (leverage) ratio | 8.9249% | 4,734 |
| Tier 1 risk-based capital ratio | 10.4333% | 5,393 |
| Total risk-based capital ratio | 11.6838% | 5,304 |
| Memoranda: | ||
| Average total assets | $82,579,200 | 4,543 |
| Average earning assets | $75,521,200 | 4,551 |
| Average equity | $7,376,000 | 4,885 |
| Average total loans | $61,928,200 | 4,154 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3208% | 2,207 |
| Cost of funding earning assets | 0.3979% | 3,219 |
| Net interest margin | 3.9229% | 1,963 |
| Noninterest income to average assets | 1.0829% | 869 |
| Noninterest expense to average assets | 3.9824% | 529 |
| Loan and lease loss provision to assets | -0.0808% | 5,563 |
| Net operating income to assets | 0.4897% | 4,759 |
| Return on assets (ROA) | 0.4897% | 4,795 |
| Pretax return on assets | 0.7661% | 4,437 |
| Return on Equity (ROE) | 5.4924% | 4,321 |
| Retained earnings to average equity (ytd only) | 4.5860% | 3,155 |
| Net charge-offs to loans | 0.2176% | 998 |
| Credit loss provision to net charge-offs | -50.5051% | 4,443 |
| Earnings coverage of net charge-offs (x) | 4.2827% | 3,247 |
| Efficiency ratio | 85.3186% | 666 |
| Assets per employee ($millions) | 2.7910% | 5,393 |
| Cash dividends to net income (ytd only)* | 16.5029% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 2,732 |
| Loan loss allowance to noncurrent loans | 130.9446% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.0629% | 1,578 |
| Noncurrent loans to loans | 0.9407% | 2,043 |
| Net loans and leases to total assets | 76.9963% | 1,421 |
| Net loans and leases to deposits | 85.9461% | 2,301 |
| Net loans and leases to core deposits | 88.0219% | 2,768 |
| Total domestic deposits to total assets | 89.5868% | 626 |
| Equity capital to assets | 8.9371% | 4,969 |
| Core capital (leverage) ratio | 8.9113% | 4,848 |
| Tier 1 risk-based capital ratio | 10.6813% | 5,379 |
| Total risk-based capital ratio | 11.9311% | 5,308 |
| Memoranda: | ||
| Average total assets | $82,495,000 | 4,587 |
| Average earning assets | $75,385,250 | 4,597 |
| Average equity | $7,355,500 | 4,933 |
| Average total loans | $60,669,750 | 4,225 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 2,066 |
| Cost of funding earning assets | 0.3890% | 3,190 |
| Net interest margin | 3.9301% | 1,840 |
| Noninterest income to average assets | 1.0453% | 937 |
| Noninterest expense to average assets | 3.9107% | 591 |
| Loan and lease loss provision to assets | -0.1218% | 5,661 |
| Net operating income to assets | 0.5409% | 4,570 |
| Return on assets (ROA) | 0.5409% | 4,607 |
| Pretax return on assets | 0.8504% | 4,097 |
| Return on Equity (ROE) | 6.0714% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.3877% | 2,472 |
| Net charge-offs to loans | 0.3112% | 654 |
| Credit loss provision to net charge-offs | -54.3478% | 4,294 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,075 |
| Efficiency ratio | 84.2962% | 821 |
| Assets per employee ($millions) | 2.8831% | 5,369 |
| Cash dividends to net income (ytd only)* | 11.2613% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 2,089 |
| Loan loss allowance to noncurrent loans | 167.5620% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 1,947 |
| Noncurrent loans to loans | 0.8173% | 2,361 |
| Net loans and leases to total assets | 69.8625% | 2,550 |
| Net loans and leases to deposits | 77.5693% | 3,155 |
| Net loans and leases to core deposits | 79.1630% | 3,492 |
| Total domestic deposits to total assets | 90.0646% | 514 |
| Equity capital to assets | 8.8937% | 4,995 |
| Core capital (leverage) ratio | 8.8295% | 4,916 |
| Tier 1 risk-based capital ratio | 11.1253% | 5,190 |
| Total risk-based capital ratio | 12.3752% | 5,075 |
| Memoranda: | ||
| Average total assets | $82,083,330 | 4,629 |
| Average earning assets | $75,062,330 | 4,634 |
| Average equity | $7,313,000 | 4,964 |
| Average total loans | $59,135,330 | 4,287 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 1,961 |
| Cost of funding earning assets | 0.3934% | 3,062 |
| Net interest margin | 3.9016% | 1,772 |
| Noninterest income to average assets | 1.0379% | 934 |
| Noninterest expense to average assets | 3.8711% | 623 |
| Loan and lease loss provision to assets | -0.2459% | 5,805 |
| Net operating income to assets | 0.6198% | 4,064 |
| Return on assets (ROA) | 0.6198% | 4,116 |
| Pretax return on assets | 0.9739% | 3,484 |
| Return on Equity (ROE) | 6.9503% | 3,424 |
| Retained earnings to average equity (ytd only) | 5.5713% | 2,557 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1711% | 955 |
| Assets per employee ($millions) | 3.0077% | 5,344 |
| Cash dividends to net income (ytd only)* | 19.8413% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 1,673 |
| Loan loss allowance to noncurrent loans | 244.7154% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.7659% | 2,387 |
| Noncurrent loans to loans | 0.6155% | 2,978 |
| Net loans and leases to total assets | 70.1193% | 2,358 |
| Net loans and leases to deposits | 77.4622% | 3,036 |
| Net loans and leases to core deposits | 79.0265% | 3,387 |
| Total domestic deposits to total assets | 90.5207% | 469 |
| Equity capital to assets | 8.6766% | 5,089 |
| Core capital (leverage) ratio | 8.4423% | 5,271 |
| Tier 1 risk-based capital ratio | 11.1400% | 5,233 |
| Total risk-based capital ratio | 12.3929% | 5,129 |
| Memoranda: | ||
| Average total assets | $81,320,000 | 4,689 |
| Average earning assets | $74,226,500 | 4,701 |
| Average equity | $7,251,500 | 5,018 |
| Average total loans | $59,091,500 | 4,323 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3433% | 1,999 |
| Cost of funding earning assets | 0.3659% | 3,358 |
| Net interest margin | 3.9774% | 1,705 |
| Noninterest income to average assets | 0.8859% | 1,459 |
| Noninterest expense to average assets | 4.0445% | 566 |
| Loan and lease loss provision to assets | -0.1284% | 5,721 |
| Net operating income to assets | 0.3749% | 5,017 |
| Return on assets (ROA) | 0.3749% | 5,101 |
| Pretax return on assets | 0.5842% | 4,829 |
| Return on Equity (ROE) | 4.0917% | 4,800 |
| Retained earnings to average equity (ytd only) | 2.9006% | 3,833 |
| Net charge-offs to loans | -0.0290% | 5,232 |
| Credit loss provision to net charge-offs | 625.0000% | 551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8716% | 562 |
| Assets per employee ($millions) | 2.8009% | 5,488 |
| Cash dividends to net income (ytd only)* | 29.1096% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 1,289 |
| Loan loss allowance to noncurrent loans | 281.9527% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.9653% | 1,958 |
| Noncurrent loans to loans | 0.5805% | 3,106 |
| Net loans and leases to total assets | 73.0328% | 2,011 |
| Net loans and leases to deposits | 81.3152% | 2,751 |
| Net loans and leases to core deposits | 83.0942% | 3,118 |
| Total domestic deposits to total assets | 89.8145% | 717 |
| Equity capital to assets | 9.1756% | 4,610 |
| Core capital (leverage) ratio | 8.9160% | 4,837 |
| Tier 1 risk-based capital ratio | 10.8896% | 5,398 |
| Total risk-based capital ratio | 12.1446% | 5,286 |
| Memoranda: | ||
| Average total assets | $77,884,400 | 4,770 |
| Average earning assets | $70,775,400 | 4,784 |
| Average equity | $7,136,400 | 5,069 |
| Average total loans | $55,254,600 | 4,427 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 2,069 |
| Cost of funding earning assets | 0.3739% | 3,294 |
| Net interest margin | 3.9584% | 1,784 |
| Noninterest income to average assets | 0.8780% | 1,478 |
| Noninterest expense to average assets | 4.0128% | 577 |
| Loan and lease loss provision to assets | -0.1715% | 5,854 |
| Net operating income to assets | 0.4047% | 5,003 |
| Return on assets (ROA) | 0.4047% | 5,100 |
| Pretax return on assets | 0.6311% | 4,799 |
| Return on Equity (ROE) | 4.4185% | 4,752 |
| Retained earnings to average equity (ytd only) | 2.8271% | 4,197 |
| Net charge-offs to loans | -0.0391% | 5,278 |
| Credit loss provision to net charge-offs | 625.0000% | 598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7239% | 574 |
| Assets per employee ($millions) | 2.6549% | 5,635 |
| Cash dividends to net income (ytd only)* | 36.0167% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6864% | 1,250 |
| Loan loss allowance to noncurrent loans | 176.3401% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 1.3924% | 1,339 |
| Noncurrent loans to loans | 0.9563% | 2,334 |
| Net loans and leases to total assets | 69.8302% | 2,514 |
| Net loans and leases to deposits | 77.7947% | 3,208 |
| Net loans and leases to core deposits | 79.4688% | 3,503 |
| Total domestic deposits to total assets | 89.7622% | 574 |
| Equity capital to assets | 9.0676% | 5,109 |
| Core capital (leverage) ratio | 8.6127% | 5,247 |
| Tier 1 risk-based capital ratio | 11.1391% | 5,296 |
| Total risk-based capital ratio | 12.3932% | 5,206 |
| Memoranda: | ||
| Average total assets | $77,749,250 | 4,819 |
| Average earning assets | $70,599,000 | 4,828 |
| Average equity | $7,121,500 | 5,119 |
| Average total loans | $54,511,000 | 4,481 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 1,965 |
| Cost of funding earning assets | 0.3789% | 3,261 |
| Net interest margin | 3.9767% | 1,716 |
| Noninterest income to average assets | 0.8532% | 1,534 |
| Noninterest expense to average assets | 3.9524% | 629 |
| Loan and lease loss provision to assets | -0.1297% | 5,897 |
| Net operating income to assets | 0.4150% | 4,989 |
| Return on assets (ROA) | 0.4150% | 5,071 |
| Pretax return on assets | 0.6510% | 4,757 |
| Return on Equity (ROE) | 4.5147% | 4,709 |
| Retained earnings to average equity (ytd only) | 2.8217% | 4,104 |
| Net charge-offs to loans | -0.0223% | 4,991 |
| Credit loss provision to net charge-offs | 833.3333% | 425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3478% | 696 |
| Assets per employee ($millions) | 2.7171% | 5,674 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8354% | 1,017 |
| Loan loss allowance to noncurrent loans | 275.3463% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 1.1790% | 1,772 |
| Noncurrent loans to loans | 0.6666% | 3,070 |
| Net loans and leases to total assets | 67.4679% | 2,870 |
| Net loans and leases to deposits | 74.8307% | 3,498 |
| Net loans and leases to core deposits | 76.1361% | 3,809 |
| Total domestic deposits to total assets | 90.1607% | 428 |
| Equity capital to assets | 9.1083% | 5,153 |
| Core capital (leverage) ratio | 8.8933% | 4,946 |
| Tier 1 risk-based capital ratio | 11.4416% | 5,195 |
| Total risk-based capital ratio | 12.6985% | 5,078 |
| Memoranda: | ||
| Average total assets | $77,117,000 | 4,871 |
| Average earning assets | $70,208,330 | 4,881 |
| Average equity | $7,088,000 | 5,176 |
| Average total loans | $53,824,330 | 4,533 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 1,532 |
| Cost of funding earning assets | 0.3858% | 3,233 |
| Net interest margin | 4.1059% | 1,326 |
| Noninterest income to average assets | 0.6712% | 2,166 |
| Noninterest expense to average assets | 4.0169% | 590 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2570% | 5,421 |
| Return on assets (ROA) | 0.2570% | 5,489 |
| Pretax return on assets | 0.3933% | 5,324 |
| Return on Equity (ROE) | 2.7827% | 5,303 |
| Retained earnings to average equity (ytd only) | 1.3630% | 4,714 |
| Net charge-offs to loans | 0.0447% | 2,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,789 |
| Efficiency ratio | 91.0820% | 606 |
| Assets per employee ($millions) | 2.5959% | 5,793 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9212% | 937 |
| Loan loss allowance to noncurrent loans | 184.6154% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 1.2623% | 1,719 |
| Noncurrent loans to loans | 1.0407% | 2,307 |
| Net loans and leases to total assets | 67.6511% | 2,703 |
| Net loans and leases to deposits | 74.6507% | 3,353 |
| Net loans and leases to core deposits | 75.9551% | 3,685 |
| Total domestic deposits to total assets | 90.6236% | 388 |
| Equity capital to assets | 9.0734% | 5,105 |
| Core capital (leverage) ratio | 8.9677% | 4,901 |
| Tier 1 risk-based capital ratio | 11.7586% | 5,074 |
| Total risk-based capital ratio | 13.0182% | 4,974 |
| Memoranda: | ||
| Average total assets | $76,277,500 | 4,934 |
| Average earning assets | $69,460,500 | 4,943 |
| Average equity | $7,043,500 | 5,222 |
| Average total loans | $53,658,500 | 4,565 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4823% | 1,650 |
| Cost of funding earning assets | 0.4158% | 2,987 |
| Net interest margin | 4.0665% | 1,497 |
| Noninterest income to average assets | 0.7317% | 2,054 |
| Noninterest expense to average assets | 3.9005% | 758 |
| Loan and lease loss provision to assets | -0.0700% | 5,785 |
| Net operating income to assets | 0.3684% | 5,147 |
| Return on assets (ROA) | 0.3665% | 5,240 |
| Pretax return on assets | 0.5652% | 4,944 |
| Return on Equity (ROE) | 3.7700% | 5,037 |
| Retained earnings to average equity (ytd only) | 2.6908% | 4,156 |
| Net charge-offs to loans | 0.4179% | 685 |
| Credit loss provision to net charge-offs | -22.7273% | 4,994 |
| Earnings coverage of net charge-offs (x) | 1.6182% | 4,057 |
| Efficiency ratio | 88.6768% | 782 |
| Assets per employee ($millions) | 2.7659% | 5,727 |
| Cash dividends to net income (ytd only)* | 28.6260% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9347% | 902 |
| Loan loss allowance to noncurrent loans | 105.7085% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.8975% | 965 |
| Noncurrent loans to loans | 1.8302% | 1,188 |
| Net loans and leases to total assets | 70.3866% | 2,310 |
| Net loans and leases to deposits | 78.1121% | 3,041 |
| Net loans and leases to core deposits | 79.8651% | 3,364 |
| Total domestic deposits to total assets | 90.1097% | 584 |
| Equity capital to assets | 9.4016% | 4,672 |
| Core capital (leverage) ratio | 8.9433% | 4,951 |
| Tier 1 risk-based capital ratio | 11.9760% | 4,961 |
| Total risk-based capital ratio | 13.2365% | 4,859 |
| Memoranda: | ||
| Average total assets | $71,477,600 | 5,055 |
| Average earning assets | $64,452,800 | 5,077 |
| Average equity | $6,949,600 | 5,251 |
| Average total loans | $52,647,400 | 4,591 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 1,534 |
| Cost of funding earning assets | 0.4129% | 3,085 |
| Net interest margin | 4.1081% | 1,391 |
| Noninterest income to average assets | 0.7470% | 2,038 |
| Noninterest expense to average assets | 3.8597% | 779 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3797% | 5,236 |
| Return on assets (ROA) | 0.3773% | 5,322 |
| Pretax return on assets | 0.5810% | 5,026 |
| Return on Equity (ROE) | 3.8469% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.3661% | 4,076 |
| Net charge-offs to loans | 0.4121% | 620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.9136% | 3,764 |
| Efficiency ratio | 86.8421% | 947 |
| Assets per employee ($millions) | 2.8870% | 5,670 |
| Cash dividends to net income (ytd only)* | 12.4991% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2101% | 651 |
| Loan loss allowance to noncurrent loans | 123.4088% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.8159% | 1,172 |
| Noncurrent loans to loans | 1.7909% | 1,328 |
| Net loans and leases to total assets | 67.4372% | 2,785 |
| Net loans and leases to deposits | 74.6802% | 3,456 |
| Net loans and leases to core deposits | 76.3427% | 3,764 |
| Total domestic deposits to total assets | 90.3012% | 466 |
| Equity capital to assets | 9.3537% | 4,935 |
| Core capital (leverage) ratio | 9.3887% | 4,453 |
| Tier 1 risk-based capital ratio | 12.5830% | 4,695 |
| Total risk-based capital ratio | 13.8472% | 4,589 |
| Memoranda: | ||
| Average total assets | $70,677,250 | 5,139 |
| Average earning assets | $63,612,250 | 5,157 |
| Average equity | $6,931,750 | 5,323 |
| Average total loans | $52,409,000 | 4,649 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6320% | 1,209 |
| Cost of funding earning assets | 0.4193% | 3,041 |
| Net interest margin | 4.2126% | 1,084 |
| Noninterest income to average assets | 0.6386% | 2,534 |
| Noninterest expense to average assets | 3.8459% | 818 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3678% | 5,240 |
| Return on assets (ROA) | 0.3641% | 5,361 |
| Pretax return on assets | 0.5606% | 5,071 |
| Return on Equity (ROE) | 3.6511% | 5,159 |
| Retained earnings to average equity (ytd only) | 2.9267% | 4,174 |
| Net charge-offs to loans | 0.4181% | 616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.7818% | 3,452 |
| Efficiency ratio | 87.1644% | 966 |
| Assets per employee ($millions) | 2.7467% | 5,871 |
| Cash dividends to net income (ytd only)* | 19.8413% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2718% | 661 |
| Loan loss allowance to noncurrent loans | 109.5238% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 2.2252% | 929 |
| Noncurrent loans to loans | 2.0742% | 1,160 |
| Net loans and leases to total assets | 74.9257% | 1,516 |
| Net loans and leases to deposits | 83.6110% | 2,364 |
| Net loans and leases to core deposits | 85.6643% | 2,801 |
| Total domestic deposits to total assets | 89.6123% | 837 |
| Equity capital to assets | 10.0818% | 3,945 |
| Core capital (leverage) ratio | 9.5569% | 4,197 |
| Tier 1 risk-based capital ratio | 12.1615% | 5,028 |
| Total risk-based capital ratio | 13.4274% | 4,918 |
| Memoranda: | ||
| Average total assets | $69,216,000 | 5,234 |
| Average earning assets | $62,004,000 | 5,251 |
| Average equity | $6,902,000 | 5,377 |
| Average total loans | $52,624,330 | 4,684 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 1,221 |
| Cost of funding earning assets | 0.4268% | 2,998 |
| Net interest margin | 4.1712% | 1,127 |
| Noninterest income to average assets | 0.5871% | 2,723 |
| Noninterest expense to average assets | 3.6322% | 1,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4334% | 4,933 |
| Return on assets (ROA) | 0.4260% | 5,091 |
| Pretax return on assets | 0.6562% | 4,738 |
| Return on Equity (ROE) | 4.2951% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.2951% | 3,437 |
| Net charge-offs to loans | 0.7831% | 298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.1262% | 2,966 |
| Efficiency ratio | 84.4712% | 1,321 |
| Assets per employee ($millions) | 2.8144% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2675% | 732 |
| Loan loss allowance to noncurrent loans | 108.3784% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 2.3337% | 948 |
| Noncurrent loans to loans | 2.0922% | 1,233 |
| Net loans and leases to total assets | 73.6914% | 1,549 |
| Net loans and leases to deposits | 82.0411% | 2,336 |
| Net loans and leases to core deposits | 83.9935% | 2,774 |
| Total domestic deposits to total assets | 89.8225% | 828 |
| Equity capital to assets | 9.8549% | 4,317 |
| Core capital (leverage) ratio | 9.5967% | 4,155 |
| Tier 1 risk-based capital ratio | 12.2451% | 5,076 |
| Total risk-based capital ratio | 13.5055% | 4,981 |
| Memoranda: | ||
| Average total assets | $69,490,000 | 5,271 |
| Average earning assets | $61,853,000 | 5,304 |
| Average equity | $6,891,500 | 5,429 |
| Average total loans | $52,613,500 | 4,713 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8050% | 1,106 |
| Cost of funding earning assets | 0.4994% | 2,685 |
| Net interest margin | 4.3056% | 1,051 |
| Noninterest income to average assets | 0.3984% | 4,191 |
| Noninterest expense to average assets | 3.6801% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3520% | 5,373 |
| Return on assets (ROA) | 0.3633% | 5,418 |
| Pretax return on assets | 0.5603% | 5,072 |
| Return on Equity (ROE) | 3.7260% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.7260% | 3,563 |
| Net charge-offs to loans | 0.0097% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 74.4000% | 675 |
| Efficiency ratio | 87.1458% | 1,060 |
| Assets per employee ($millions) | 2.8591% | 5,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5032% | 548 |
| Loan loss allowance to noncurrent loans | 110.0253% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 2.4979% | 926 |
| Noncurrent loans to loans | 2.2751% | 1,150 |
| Net loans and leases to total assets | 74.1311% | 1,562 |
| Net loans and leases to deposits | 82.6934% | 2,382 |
| Net loans and leases to core deposits | 85.1148% | 2,774 |
| Total domestic deposits to total assets | 89.6457% | 902 |
| Equity capital to assets | 9.9812% | 4,135 |
| Core capital (leverage) ratio | 9.1979% | 4,682 |
| Tier 1 risk-based capital ratio | 12.1437% | 5,268 |
| Total risk-based capital ratio | 13.4077% | 5,163 |
| Memoranda: | ||
| Average total assets | $68,530,200 | 5,334 |
| Average earning assets | $60,874,000 | 5,376 |
| Average equity | $6,682,800 | 5,485 |
| Average total loans | $51,623,800 | 4,763 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 1,137 |
| Cost of funding earning assets | 0.4992% | 2,777 |
| Net interest margin | 4.2839% | 1,082 |
| Noninterest income to average assets | 0.3717% | 4,451 |
| Noninterest expense to average assets | 3.7309% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2826% | 5,645 |
| Return on assets (ROA) | 0.2978% | 5,665 |
| Pretax return on assets | 0.4554% | 5,453 |
| Return on Equity (ROE) | 3.0716% | 5,513 |
| Retained earnings to average equity (ytd only) | 3.0716% | 4,432 |
| Net charge-offs to loans | 0.0052% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 110.8577% | 539 |
| Efficiency ratio | 89.6213% | 871 |
| Assets per employee ($millions) | 3.2955% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5630% | 605 |
| Loan loss allowance to noncurrent loans | 64.9628% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 4.0445% | 480 |
| Noncurrent loans to loans | 3.9453% | 547 |
| Net loans and leases to total assets | 71.9081% | 1,869 |
| Net loans and leases to deposits | 80.0760% | 2,676 |
| Net loans and leases to core deposits | 82.3894% | 3,063 |
| Total domestic deposits to total assets | 89.7999% | 819 |
| Equity capital to assets | 9.7247% | 4,527 |
| Core capital (leverage) ratio | 8.8228% | 5,304 |
| Tier 1 risk-based capital ratio | 11.7417% | 5,648 |
| Total risk-based capital ratio | 13.0084% | 5,559 |
| Memoranda: | ||
| Average total assets | $68,508,000 | 5,393 |
| Average earning assets | $60,628,750 | 5,439 |
| Average equity | $6,641,250 | 5,544 |
| Average total loans | $51,486,250 | 4,812 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6879% | 1,306 |
| Cost of funding earning assets | 0.4935% | 2,896 |
| Net interest margin | 4.1945% | 1,259 |
| Noninterest income to average assets | 0.4218% | 4,077 |
| Noninterest expense to average assets | 3.7466% | 1,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2697% | 5,669 |
| Return on assets (ROA) | 0.2929% | 5,657 |
| Pretax return on assets | 0.4453% | 5,436 |
| Return on Equity (ROE) | 3.0250% | 5,522 |
| Retained earnings to average equity (ytd only) | 3.0250% | 4,281 |
| Net charge-offs to loans | 0.0116% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 46.6667% | 958 |
| Efficiency ratio | 90.1339% | 911 |
| Assets per employee ($millions) | 3.2089% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4889% | 726 |
| Loan loss allowance to noncurrent loans | 70.6263% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 4.3459% | 455 |
| Noncurrent loans to loans | 3.5241% | 747 |
| Net loans and leases to total assets | 72.5891% | 1,634 |
| Net loans and leases to deposits | 80.6436% | 2,426 |
| Net loans and leases to core deposits | 82.9140% | 2,864 |
| Total domestic deposits to total assets | 90.0122% | 802 |
| Equity capital to assets | 9.4595% | 4,785 |
| Core capital (leverage) ratio | 8.8670% | 5,211 |
| Tier 1 risk-based capital ratio | 11.5615% | 5,767 |
| Total risk-based capital ratio | 12.8277% | 5,713 |
| Memoranda: | ||
| Average total assets | $68,275,670 | 5,443 |
| Average earning assets | $60,794,330 | 5,484 |
| Average equity | $6,611,670 | 5,582 |
| Average total loans | $51,624,000 | 4,839 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7841% | 1,080 |
| Cost of funding earning assets | 0.5167% | 2,748 |
| Net interest margin | 4.2674% | 1,068 |
| Noninterest income to average assets | 0.4947% | 3,454 |
| Noninterest expense to average assets | 3.7368% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3576% | 5,286 |
| Return on assets (ROA) | 0.3576% | 5,346 |
| Pretax return on assets | 0.5483% | 5,013 |
| Return on Equity (ROE) | 3.6482% | 5,198 |
| Retained earnings to average equity (ytd only) | 3.6482% | 3,945 |
| Net charge-offs to loans | -0.0156% | 5,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2045% | 1,318 |
| Assets per employee ($millions) | 3.2340% | 5,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5776% | 737 |
| Loan loss allowance to noncurrent loans | 102.5761% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 3.6914% | 685 |
| Noncurrent loans to loans | 2.5128% | 1,375 |
| Net loans and leases to total assets | 73.1267% | 1,410 |
| Net loans and leases to deposits | 81.4992% | 2,100 |
| Net loans and leases to core deposits | 83.1781% | 2,619 |
| Total domestic deposits to total assets | 89.7269% | 1,226 |
| Equity capital to assets | 9.7548% | 4,160 |
| Core capital (leverage) ratio | 8.8874% | 5,157 |
| Tier 1 risk-based capital ratio | 11.6730% | 5,825 |
| Total risk-based capital ratio | 12.9386% | 5,763 |
| Memoranda: | ||
| Average total assets | $67,115,500 | 5,528 |
| Average earning assets | $59,614,500 | 5,566 |
| Average equity | $6,578,500 | 5,624 |
| Average total loans | $51,159,500 | 4,893 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9313% | 1,036 |
| Cost of funding earning assets | 0.6835% | 1,932 |
| Net interest margin | 4.2478% | 1,228 |
| Noninterest income to average assets | 0.4168% | 4,325 |
| Noninterest expense to average assets | 3.6849% | 1,308 |
| Loan and lease loss provision to assets | 0.1915% | 1,930 |
| Net operating income to assets | 0.2205% | 5,775 |
| Return on assets (ROA) | 0.2047% | 5,881 |
| Pretax return on assets | 0.3063% | 5,721 |
| Return on Equity (ROE) | 2.1309% | 5,794 |
| Retained earnings to average equity (ytd only) | 2.1309% | 4,727 |
| Net charge-offs to loans | 0.1693% | 3,128 |
| Credit loss provision to net charge-offs | 151.1628% | 1,538 |
| Earnings coverage of net charge-offs (x) | 4.1163% | 3,670 |
| Efficiency ratio | 87.6050% | 1,255 |
| Assets per employee ($millions) | 3.1579% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5555% | 774 |
| Loan loss allowance to noncurrent loans | 52.1048% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 5.6608% | 361 |
| Noncurrent loans to loans | 4.9045% | 527 |
| Net loans and leases to total assets | 75.4403% | 1,160 |
| Net loans and leases to deposits | 83.9906% | 1,945 |
| Net loans and leases to core deposits | 85.7733% | 2,475 |
| Total domestic deposits to total assets | 89.8200% | 1,166 |
| Equity capital to assets | 9.8498% | 3,961 |
| Core capital (leverage) ratio | 8.6313% | 5,499 |
| Tier 1 risk-based capital ratio | 11.5468% | 5,882 |
| Total risk-based capital ratio | 12.8128% | 5,814 |
| Memoranda: | ||
| Average total assets | $67,898,000 | 5,543 |
| Average earning assets | $60,572,400 | 5,572 |
| Average equity | $6,523,200 | 5,686 |
| Average total loans | $50,801,400 | 4,936 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 1,104 |
| Cost of funding earning assets | 0.7043% | 1,924 |
| Net interest margin | 4.2063% | 1,311 |
| Noninterest income to average assets | 0.4686% | 4,007 |
| Noninterest expense to average assets | 3.6293% | 1,352 |
| Loan and lease loss provision to assets | 0.2538% | 1,404 |
| Net operating income to assets | 0.2279% | 5,844 |
| Return on assets (ROA) | 0.2069% | 5,977 |
| Pretax return on assets | 0.3085% | 5,856 |
| Return on Equity (ROE) | 2.1673% | 5,886 |
| Retained earnings to average equity (ytd only) | 2.1673% | 5,014 |
| Net charge-offs to loans | 0.1026% | 3,512 |
| Credit loss provision to net charge-offs | 333.3333% | 770 |
| Earnings coverage of net charge-offs (x) | 7.7946% | 2,730 |
| Efficiency ratio | 85.9454% | 1,365 |
| Assets per employee ($millions) | 3.2273% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6946% | 748 |
| Loan loss allowance to noncurrent loans | 59.0613% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 5.5302% | 472 |
| Noncurrent loans to loans | 4.5623% | 705 |
| Net loans and leases to total assets | 72.4123% | 1,541 |
| Net loans and leases to deposits | 80.5740% | 2,329 |
| Net loans and leases to core deposits | 82.2388% | 2,853 |
| Total domestic deposits to total assets | 89.8706% | 1,075 |
| Equity capital to assets | 9.6130% | 4,400 |
| Core capital (leverage) ratio | 8.4805% | 5,786 |
| Tier 1 risk-based capital ratio | 11.3702% | 6,114 |
| Total risk-based capital ratio | 12.6380% | 6,075 |
| Memoranda: | ||
| Average total assets | $68,293,500 | 5,585 |
| Average earning assets | $60,954,500 | 5,628 |
| Average equity | $6,521,000 | 5,762 |
| Average total loans | $50,666,500 | 4,977 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 1,039 |
| Cost of funding earning assets | 0.7316% | 1,828 |
| Net interest margin | 4.1934% | 1,294 |
| Noninterest income to average assets | 0.5638% | 3,418 |
| Noninterest expense to average assets | 3.5550% | 1,494 |
| Loan and lease loss provision to assets | 0.3505% | 948 |
| Net operating income to assets | 0.2670% | 5,725 |
| Return on assets (ROA) | 0.2366% | 5,926 |
| Pretax return on assets | 0.3622% | 5,726 |
| Return on Equity (ROE) | 2.4835% | 5,804 |
| Retained earnings to average equity (ytd only) | 2.4835% | 4,721 |
| Net charge-offs to loans | 0.2483% | 2,240 |
| Credit loss provision to net charge-offs | 190.4762% | 1,248 |
| Earnings coverage of net charge-offs (x) | 4.1270% | 3,209 |
| Efficiency ratio | 82.3968% | 1,836 |
| Assets per employee ($millions) | 3.2126% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6119% | 874 |
| Loan loss allowance to noncurrent loans | 47.0860% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 5.8845% | 468 |
| Noncurrent loans to loans | 5.5470% | 549 |
| Net loans and leases to total assets | 73.2306% | 1,364 |
| Net loans and leases to deposits | 81.4686% | 2,121 |
| Net loans and leases to core deposits | 83.1524% | 2,677 |
| Total domestic deposits to total assets | 89.8881% | 1,090 |
| Equity capital to assets | 9.6420% | 4,396 |
| Core capital (leverage) ratio | 8.4952% | 5,677 |
| Tier 1 risk-based capital ratio | 11.5121% | 6,106 |
| Total risk-based capital ratio | 12.7787% | 6,064 |
| Memoranda: | ||
| Average total assets | $68,467,000 | 5,623 |
| Average earning assets | $61,239,670 | 5,660 |
| Average equity | $6,523,000 | 5,806 |
| Average total loans | $50,743,670 | 4,994 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0376% | 839 |
| Cost of funding earning assets | 0.7780% | 1,652 |
| Net interest margin | 4.2596% | 1,052 |
| Noninterest income to average assets | 0.6090% | 3,089 |
| Noninterest expense to average assets | 3.4683% | 1,686 |
| Loan and lease loss provision to assets | 0.2610% | 1,365 |
| Net operating income to assets | 0.4457% | 4,929 |
| Return on assets (ROA) | 0.4118% | 5,234 |
| Pretax return on assets | 0.6380% | 4,813 |
| Return on Equity (ROE) | 4.3478% | 4,926 |
| Retained earnings to average equity (ytd only) | 4.3478% | 3,628 |
| Net charge-offs to loans | 0.3389% | 1,626 |
| Credit loss provision to net charge-offs | 104.6512% | 1,762 |
| Earnings coverage of net charge-offs (x) | 3.8140% | 2,671 |
| Efficiency ratio | 78.4777% | 2,540 |
| Assets per employee ($millions) | 3.4281% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4955% | 1,124 |
| Loan loss allowance to noncurrent loans | 68.7432% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 4.1773% | 927 |
| Noncurrent loans to loans | 3.6301% | 1,308 |
| Net loans and leases to total assets | 72.3195% | 1,305 |
| Net loans and leases to deposits | 82.3310% | 1,782 |
| Net loans and leases to core deposits | 84.5405% | 2,258 |
| Total domestic deposits to total assets | 87.8400% | 2,422 |
| Equity capital to assets | 9.5885% | 4,724 |
| Core capital (leverage) ratio | 8.6026% | 5,445 |
| Tier 1 risk-based capital ratio | 11.4805% | 6,195 |
| Total risk-based capital ratio | 12.7464% | 6,164 |
| Memoranda: | ||
| Average total assets | $68,968,000 | 5,659 |
| Average earning assets | $61,696,000 | 5,686 |
| Average equity | $6,532,000 | 5,856 |
| Average total loans | $50,750,500 | 5,026 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 1,652 |
| Cost of funding earning assets | 1.0381% | 1,175 |
| Net interest margin | 3.9256% | 2,718 |
| Noninterest income to average assets | 0.0028% | 6,815 |
| Noninterest expense to average assets | 3.7114% | 1,396 |
| Loan and lease loss provision to assets | 0.5895% | 940 |
| Net operating income to assets | -0.4801% | 6,552 |
| Return on assets (ROA) | -0.4946% | 6,604 |
| Pretax return on assets | -0.8106% | 6,677 |
| Return on Equity (ROE) | -5.3036% | 6,607 |
| Retained earnings to average equity (ytd only) | -5.3036% | 6,448 |
| Net charge-offs to loans | 1.0057% | 1,082 |
| Credit loss provision to net charge-offs | 80.1541% | 3,831 |
| Earnings coverage of net charge-offs (x) | -0.2697% | 5,603 |
| Efficiency ratio | 105.6474% | 416 |
| Assets per employee ($millions) | 3.3036% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5015% | 1,128 |
| Loan loss allowance to noncurrent loans | 44.5813% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 6.0382% | 572 |
| Noncurrent loans to loans | 5.6112% | 653 |
| Net loans and leases to total assets | 71.1813% | 1,622 |
| Net loans and leases to deposits | 82.0831% | 1,986 |
| Net loans and leases to core deposits | 83.7991% | 2,571 |
| Total domestic deposits to total assets | 86.7186% | 2,980 |
| Equity capital to assets | 9.3550% | 5,065 |
| Core capital (leverage) ratio | 8.1777% | 6,023 |
| Tier 1 risk-based capital ratio | 11.2277% | 6,259 |
| Total risk-based capital ratio | 12.4958% | 6,213 |
| Memoranda: | ||
| Average total assets | $70,567,200 | 5,613 |
| Average earning assets | $63,099,000 | 5,634 |
| Average equity | $6,580,400 | 5,874 |
| Average total loans | $51,605,600 | 5,036 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9683% | 1,778 |
| Cost of funding earning assets | 1.0891% | 1,105 |
| Net interest margin | 3.8792% | 2,984 |
| Noninterest income to average assets | -0.0151% | 6,968 |
| Noninterest expense to average assets | 3.7234% | 1,331 |
| Loan and lease loss provision to assets | 0.5306% | 1,119 |
| Net operating income to assets | -0.4896% | 6,696 |
| Return on assets (ROA) | -0.5005% | 6,731 |
| Pretax return on assets | -0.8147% | 6,812 |
| Return on Equity (ROE) | -5.3712% | 6,725 |
| Retained earnings to average equity (ytd only) | -5.3712% | 6,634 |
| Net charge-offs to loans | 0.7252% | 1,523 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | -0.5036% | 5,497 |
| Efficiency ratio | 107.7300% | 345 |
| Assets per employee ($millions) | 3.6596% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7048% | 977 |
| Loan loss allowance to noncurrent loans | 53.2634% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 5.7239% | 727 |
| Noncurrent loans to loans | 5.0781% | 884 |
| Net loans and leases to total assets | 70.9260% | 1,735 |
| Net loans and leases to deposits | 81.8988% | 2,131 |
| Net loans and leases to core deposits | 83.2495% | 2,784 |
| Total domestic deposits to total assets | 86.6020% | 2,923 |
| Equity capital to assets | 9.3711% | 5,379 |
| Core capital (leverage) ratio | 8.3398% | 5,957 |
| Tier 1 risk-based capital ratio | 11.2161% | 6,392 |
| Total risk-based capital ratio | 12.4834% | 6,355 |
| Memoranda: | ||
| Average total assets | $70,865,250 | 5,668 |
| Average earning assets | $63,414,000 | 5,680 |
| Average equity | $6,603,000 | 5,935 |
| Average total loans | $51,844,750 | 5,082 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9045% | 2,092 |
| Cost of funding earning assets | 1.1299% | 1,096 |
| Net interest margin | 3.7746% | 3,480 |
| Noninterest income to average assets | -0.0421% | 7,048 |
| Noninterest expense to average assets | 3.8620% | 1,129 |
| Loan and lease loss provision to assets | 0.7937% | 634 |
| Net operating income to assets | -0.8156% | 6,866 |
| Return on assets (ROA) | -0.8246% | 6,890 |
| Pretax return on assets | -1.3294% | 6,978 |
| Return on Equity (ROE) | -8.8661% | 6,883 |
| Retained earnings to average equity (ytd only) | -8.8661% | 6,803 |
| Net charge-offs to loans | 0.8041% | 1,365 |
| Credit loss provision to net charge-offs | 134.7619% | 2,043 |
| Earnings coverage of net charge-offs (x) | -0.8857% | 5,291 |
| Efficiency ratio | 115.6171% | 261 |
| Assets per employee ($millions) | 4.0624% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8377% | 913 |
| Loan loss allowance to noncurrent loans | 35.2023% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 7.5281% | 480 |
| Noncurrent loans to loans | 8.0610% | 427 |
| Net loans and leases to total assets | 71.5932% | 1,628 |
| Net loans and leases to deposits | 82.6364% | 2,030 |
| Net loans and leases to core deposits | 84.0039% | 2,688 |
| Total domestic deposits to total assets | 86.6365% | 2,987 |
| Equity capital to assets | 9.3801% | 5,219 |
| Core capital (leverage) ratio | 8.1460% | 6,102 |
| Tier 1 risk-based capital ratio | 11.0129% | 6,488 |
| Total risk-based capital ratio | 12.2831% | 6,456 |
| Memoranda: | ||
| Average total assets | $71,309,330 | 5,688 |
| Average earning assets | $63,901,000 | 5,709 |
| Average equity | $6,632,000 | 5,950 |
| Average total loans | $52,230,330 | 5,102 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9555% | 2,051 |
| Cost of funding earning assets | 1.2096% | 941 |
| Net interest margin | 3.7459% | 3,609 |
| Noninterest income to average assets | 0.4031% | 4,646 |
| Noninterest expense to average assets | 4.2246% | 716 |
| Loan and lease loss provision to assets | 0.8063% | 607 |
| Net operating income to assets | -0.7881% | 6,946 |
| Return on assets (ROA) | -0.7952% | 6,967 |
| Pretax return on assets | -1.2867% | 7,036 |
| Return on Equity (ROE) | -8.5855% | 6,963 |
| Retained earnings to average equity (ytd only) | -8.5855% | 6,789 |
| Net charge-offs to loans | -0.1437% | 6,912 |
| Credit loss provision to net charge-offs | -768.4211% | 5,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5000% | 308 |
| Assets per employee ($millions) | 3.9604% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9536% | 873 |
| Loan loss allowance to noncurrent loans | 34.7276% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 8.3815% | 446 |
| Noncurrent loans to loans | 8.5050% | 427 |
| Net loans and leases to total assets | 70.7959% | 1,612 |
| Net loans and leases to deposits | 81.4936% | 1,997 |
| Net loans and leases to core deposits | 82.7917% | 2,713 |
| Total domestic deposits to total assets | 86.8730% | 3,030 |
| Equity capital to assets | 9.2849% | 5,109 |
| Core capital (leverage) ratio | 8.1545% | 6,091 |
| Tier 1 risk-based capital ratio | 11.2857% | 6,394 |
| Total risk-based capital ratio | 12.5564% | 6,366 |
| Memoranda: | ||
| Average total assets | $72,433,500 | 5,698 |
| Average earning assets | $64,817,000 | 5,729 |
| Average equity | $6,709,000 | 5,961 |
| Average total loans | $52,902,000 | 5,107 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2558% | 1,848 |
| Cost of funding earning assets | 1.4080% | 1,003 |
| Net interest margin | 3.8478% | 3,581 |
| Noninterest income to average assets | 0.6072% | 3,125 |
| Noninterest expense to average assets | 3.7518% | 1,438 |
| Loan and lease loss provision to assets | 2.1299% | 254 |
| Net operating income to assets | -1.1233% | 6,794 |
| Return on assets (ROA) | -1.1589% | 6,832 |
| Pretax return on assets | -1.8666% | 6,994 |
| Return on Equity (ROE) | -12.0369% | 6,803 |
| Retained earnings to average equity (ytd only) | -12.0369% | 6,774 |
| Net charge-offs to loans | 2.1035% | 639 |
| Credit loss provision to net charge-offs | 135.9797% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.2035% | 5,679 |
| Efficiency ratio | 92.1677% | 1,036 |
| Assets per employee ($millions) | 3.8726% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5484% | 1,249 |
| Loan loss allowance to noncurrent loans | 43.8860% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 6.3360% | 752 |
| Noncurrent loans to loans | 5.8068% | 881 |
| Net loans and leases to total assets | 71.2540% | 1,776 |
| Net loans and leases to deposits | 81.8740% | 2,216 |
| Net loans and leases to core deposits | 85.5772% | 2,691 |
| Total domestic deposits to total assets | 87.0289% | 2,742 |
| Equity capital to assets | 9.2404% | 5,229 |
| Core capital (leverage) ratio | 8.3153% | 5,833 |
| Tier 1 risk-based capital ratio | 11.1819% | 6,358 |
| Total risk-based capital ratio | 12.4268% | 6,345 |
| Memoranda: | ||
| Average total assets | $75,590,800 | 5,586 |
| Average earning assets | $68,039,000 | 5,614 |
| Average equity | $7,277,600 | 5,786 |
| Average total loans | $56,286,800 | 5,015 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 1,767 |
| Cost of funding earning assets | 1.4256% | 1,127 |
| Net interest margin | 3.9013% | 3,375 |
| Noninterest income to average assets | 0.3785% | 4,830 |
| Noninterest expense to average assets | 3.6148% | 1,676 |
| Loan and lease loss provision to assets | 2.0150% | 265 |
| Net operating income to assets | -1.0772% | 6,915 |
| Return on assets (ROA) | -1.1232% | 6,955 |
| Pretax return on assets | -1.8083% | 7,084 |
| Return on Equity (ROE) | -11.5536% | 6,936 |
| Retained earnings to average equity (ytd only) | -11.5536% | 6,903 |
| Net charge-offs to loans | 1.3542% | 1,118 |
| Credit loss provision to net charge-offs | 198.9619% | 1,474 |
| Earnings coverage of net charge-offs (x) | 0.2751% | 5,392 |
| Efficiency ratio | 92.8443% | 980 |
| Assets per employee ($millions) | 3.7378% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7744% | 1,055 |
| Loan loss allowance to noncurrent loans | 42.5407% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 7.2744% | 656 |
| Noncurrent loans to loans | 6.5218% | 808 |
| Net loans and leases to total assets | 71.1136% | 1,879 |
| Net loans and leases to deposits | 81.9614% | 2,362 |
| Net loans and leases to core deposits | 85.6096% | 2,828 |
| Total domestic deposits to total assets | 86.7648% | 2,787 |
| Equity capital to assets | 9.4402% | 5,179 |
| Core capital (leverage) ratio | 8.5592% | 5,617 |
| Tier 1 risk-based capital ratio | 11.1838% | 6,441 |
| Total risk-based capital ratio | 12.4519% | 6,409 |
| Memoranda: | ||
| Average total assets | $76,093,750 | 5,610 |
| Average earning assets | $68,556,500 | 5,632 |
| Average equity | $7,397,250 | 5,784 |
| Average total loans | $56,908,750 | 5,037 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3814% | 1,619 |
| Cost of funding earning assets | 1.4453% | 1,207 |
| Net interest margin | 3.9361% | 3,143 |
| Noninterest income to average assets | 0.4076% | 4,617 |
| Noninterest expense to average assets | 3.6922% | 1,539 |
| Loan and lease loss provision to assets | 1.2412% | 615 |
| Net operating income to assets | -0.5994% | 6,755 |
| Return on assets (ROA) | -0.6663% | 6,804 |
| Pretax return on assets | -1.0792% | 6,923 |
| Return on Equity (ROE) | -6.7903% | 6,818 |
| Retained earnings to average equity (ytd only) | -6.7903% | 6,710 |
| Net charge-offs to loans | 1.1379% | 1,375 |
| Credit loss provision to net charge-offs | 144.8171% | 2,113 |
| Earnings coverage of net charge-offs (x) | 0.3110% | 5,080 |
| Efficiency ratio | 93.2673% | 1,024 |
| Assets per employee ($millions) | 3.8824% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9321% | 2,567 |
| Loan loss allowance to noncurrent loans | 34.8770% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 6.8556% | 761 |
| Noncurrent loans to loans | 5.5397% | 1,137 |
| Net loans and leases to total assets | 75.1400% | 1,216 |
| Net loans and leases to deposits | 87.1549% | 1,631 |
| Net loans and leases to core deposits | 91.1059% | 2,237 |
| Total domestic deposits to total assets | 86.2143% | 3,212 |
| Equity capital to assets | 10.0603% | 4,065 |
| Core capital (leverage) ratio | 9.2640% | 4,308 |
| Tier 1 risk-based capital ratio | 11.8742% | 5,884 |
| Total risk-based capital ratio | 13.1305% | 5,855 |
| Memoranda: | ||
| Average total assets | $76,540,000 | 5,637 |
| Average earning assets | $69,053,000 | 5,656 |
| Average equity | $7,510,670 | 5,765 |
| Average total loans | $57,652,330 | 5,059 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4632% | 1,396 |
| Cost of funding earning assets | 1.4493% | 1,388 |
| Net interest margin | 4.0139% | 2,629 |
| Noninterest income to average assets | 0.4260% | 4,487 |
| Noninterest expense to average assets | 3.5161% | 1,961 |
| Loan and lease loss provision to assets | 0.5133% | 1,694 |
| Net operating income to assets | 0.0298% | 6,279 |
| Return on assets (ROA) | -0.0359% | 6,416 |
| Pretax return on assets | -0.0667% | 6,418 |
| Return on Equity (ROE) | -0.3706% | 6,418 |
| Retained earnings to average equity (ytd only) | -0.3706% | 5,859 |
| Net charge-offs to loans | 0.3367% | 2,712 |
| Credit loss provision to net charge-offs | 204.0816% | 1,453 |
| Earnings coverage of net charge-offs (x) | 2.1837% | 3,221 |
| Efficiency ratio | 86.4899% | 1,655 |
| Assets per employee ($millions) | 3.6391% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 3,295 |
| Loan loss allowance to noncurrent loans | 51.6062% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 4.5825% | 1,410 |
| Noncurrent loans to loans | 3.3179% | 2,265 |
| Net loans and leases to total assets | 74.8135% | 1,219 |
| Net loans and leases to deposits | 86.5263% | 1,647 |
| Net loans and leases to core deposits | 90.6847% | 2,279 |
| Total domestic deposits to total assets | 86.4633% | 3,259 |
| Equity capital to assets | 9.9788% | 3,802 |
| Core capital (leverage) ratio | 9.5491% | 3,726 |
| Tier 1 risk-based capital ratio | 12.3451% | 5,400 |
| Total risk-based capital ratio | 13.6007% | 5,387 |
| Memoranda: | ||
| Average total assets | $77,927,500 | 5,648 |
| Average earning assets | $70,655,000 | 5,645 |
| Average equity | $7,555,500 | 5,758 |
| Average total loans | $58,219,000 | 5,078 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9618% | 921 |
| Cost of funding earning assets | 1.7344% | 1,446 |
| Net interest margin | 4.2274% | 2,074 |
| Noninterest income to average assets | 0.6279% | 3,301 |
| Noninterest expense to average assets | 3.2556% | 2,891 |
| Loan and lease loss provision to assets | 0.8212% | 1,995 |
| Net operating income to assets | 0.2295% | 5,183 |
| Return on assets (ROA) | 0.2602% | 5,233 |
| Pretax return on assets | 0.4081% | 4,917 |
| Return on Equity (ROE) | 2.7942% | 5,041 |
| Retained earnings to average equity (ytd only) | 2.7942% | 3,900 |
| Net charge-offs to loans | 1.5879% | 1,374 |
| Credit loss provision to net charge-offs | 66.3943% | 5,947 |
| Earnings coverage of net charge-offs (x) | 0.9551% | 5,155 |
| Efficiency ratio | 73.3770% | 3,513 |
| Assets per employee ($millions) | 3.7825% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 3,500 |
| Loan loss allowance to noncurrent loans | 63.8082% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 3.7969% | 1,802 |
| Noncurrent loans to loans | 2.5417% | 2,984 |
| Net loans and leases to total assets | 72.1652% | 2,068 |
| Net loans and leases to deposits | 83.9971% | 2,448 |
| Net loans and leases to core deposits | 87.5588% | 3,109 |
| Total domestic deposits to total assets | 85.9139% | 3,410 |
| Equity capital to assets | 9.4230% | 4,509 |
| Core capital (leverage) ratio | 9.4335% | 3,794 |
| Tier 1 risk-based capital ratio | 12.1301% | 5,353 |
| Total risk-based capital ratio | 13.3834% | 5,331 |
| Memoranda: | ||
| Average total assets | $79,156,400 | 5,616 |
| Average earning assets | $71,321,200 | 5,623 |
| Average equity | $7,372,400 | 5,915 |
| Average total loans | $61,654,600 | 5,001 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0648% | 817 |
| Cost of funding earning assets | 1.7955% | 1,434 |
| Net interest margin | 4.2694% | 1,957 |
| Noninterest income to average assets | 0.6339% | 3,230 |
| Noninterest expense to average assets | 3.2992% | 2,575 |
| Loan and lease loss provision to assets | 0.7924% | 1,921 |
| Net operating income to assets | 0.2453% | 5,370 |
| Return on assets (ROA) | 0.2917% | 5,371 |
| Pretax return on assets | 0.4552% | 5,062 |
| Return on Equity (ROE) | 3.1407% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.1407% | 4,233 |
| Net charge-offs to loans | 2.0970% | 882 |
| Credit loss provision to net charge-offs | 47.8128% | 5,918 |
| Earnings coverage of net charge-offs (x) | 0.7091% | 5,347 |
| Efficiency ratio | 73.7378% | 3,372 |
| Assets per employee ($millions) | 3.6500% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 5,031 |
| Loan loss allowance to noncurrent loans | 508.0000% | 600 |
| Noncurrent assets plus other real estate owned to assets | 2.1983% | 3,202 |
| Noncurrent loans to loans | 0.2535% | 6,673 |
| Net loans and leases to total assets | 76.1879% | 1,369 |
| Net loans and leases to deposits | 89.3154% | 1,821 |
| Net loans and leases to core deposits | 91.0321% | 2,948 |
| Total domestic deposits to total assets | 85.3020% | 3,463 |
| Equity capital to assets | 9.7091% | 4,534 |
| Core capital (leverage) ratio | 9.2206% | 4,335 |
| Tier 1 risk-based capital ratio | 11.6391% | 5,799 |
| Total risk-based capital ratio | 12.8833% | 5,784 |
| Memoranda: | ||
| Average total assets | $79,087,250 | 5,687 |
| Average earning assets | $71,140,750 | 5,696 |
| Average equity | $7,344,250 | 6,001 |
| Average total loans | $62,501,250 | 5,052 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0588% | 828 |
| Cost of funding earning assets | 1.8481% | 1,438 |
| Net interest margin | 4.2107% | 2,120 |
| Noninterest income to average assets | 0.6708% | 2,885 |
| Noninterest expense to average assets | 3.2240% | 2,819 |
| Loan and lease loss provision to assets | 0.8360% | 1,738 |
| Net operating income to assets | 0.2639% | 5,323 |
| Return on assets (ROA) | 0.3504% | 5,137 |
| Pretax return on assets | 0.5557% | 4,717 |
| Return on Equity (ROE) | 3.8295% | 4,862 |
| Retained earnings to average equity (ytd only) | 3.8295% | 3,654 |
| Net charge-offs to loans | 2.3862% | 729 |
| Credit loss provision to net charge-offs | 44.0053% | 5,539 |
| Earnings coverage of net charge-offs (x) | 0.6614% | 5,083 |
| Efficiency ratio | 71.9553% | 3,818 |
| Assets per employee ($millions) | 3.6020% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 4,489 |
| Loan loss allowance to noncurrent loans | 56.8654% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 3.3883% | 2,074 |
| Noncurrent loans to loans | 2.4383% | 3,208 |
| Net loans and leases to total assets | 76.1973% | 1,452 |
| Net loans and leases to deposits | 88.8910% | 2,017 |
| Net loans and leases to core deposits | 91.6085% | 3,040 |
| Total domestic deposits to total assets | 85.7199% | 3,253 |
| Equity capital to assets | 9.4229% | 4,830 |
| Core capital (leverage) ratio | 8.9931% | 4,611 |
| Tier 1 risk-based capital ratio | 11.4562% | 5,814 |
| Total risk-based capital ratio | 12.7057% | 5,789 |
| Memoranda: | ||
| Average total assets | $79,899,670 | 5,702 |
| Average earning assets | $72,291,330 | 5,696 |
| Average equity | $7,311,670 | 6,028 |
| Average total loans | $63,615,000 | 5,032 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0680% | 842 |
| Cost of funding earning assets | 1.9455% | 1,259 |
| Net interest margin | 4.1225% | 2,345 |
| Noninterest income to average assets | 0.7180% | 2,483 |
| Noninterest expense to average assets | 3.2657% | 2,653 |
| Loan and lease loss provision to assets | 0.5634% | 2,250 |
| Net operating income to assets | 0.3851% | 4,905 |
| Return on assets (ROA) | 0.5734% | 4,162 |
| Pretax return on assets | 0.9124% | 3,423 |
| Return on Equity (ROE) | 6.3589% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.3589% | 2,438 |
| Net charge-offs to loans | 1.9936% | 862 |
| Credit loss provision to net charge-offs | 34.9845% | 4,739 |
| Earnings coverage of net charge-offs (x) | 0.7337% | 4,371 |
| Efficiency ratio | 73.4305% | 3,686 |
| Assets per employee ($millions) | 3.6305% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 3,230 |
| Loan loss allowance to noncurrent loans | 50.6185% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 3.3917% | 2,093 |
| Noncurrent loans to loans | 3.2707% | 2,438 |
| Net loans and leases to total assets | 79.1304% | 961 |
| Net loans and leases to deposits | 92.0736% | 1,604 |
| Net loans and leases to core deposits | 95.1523% | 2,682 |
| Total domestic deposits to total assets | 85.9425% | 3,181 |
| Equity capital to assets | 9.2836% | 4,859 |
| Core capital (leverage) ratio | 8.8898% | 4,741 |
| Tier 1 risk-based capital ratio | 11.0218% | 6,135 |
| Total risk-based capital ratio | 12.2784% | 6,099 |
| Memoranda: | ||
| Average total assets | $80,228,000 | 5,764 |
| Average earning assets | $72,577,500 | 5,760 |
| Average equity | $7,234,000 | 6,103 |
| Average total loans | $64,807,500 | 5,052 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2384% | 1,143 |
| Cost of funding earning assets | 2.4654% | 1,106 |
| Net interest margin | 3.7730% | 3,827 |
| Noninterest income to average assets | 0.5258% | 4,209 |
| Noninterest expense to average assets | 2.9464% | 4,357 |
| Loan and lease loss provision to assets | 1.1762% | 1,958 |
| Net operating income to assets | -0.0804% | 5,642 |
| Return on assets (ROA) | -0.3529% | 6,022 |
| Pretax return on assets | -0.5881% | 6,085 |
| Return on Equity (ROE) | -3.9886% | 6,105 |
| Retained earnings to average equity (ytd only) | -4.7199% | 5,986 |
| Net charge-offs to loans | 0.7979% | 2,831 |
| Credit loss provision to net charge-offs | 191.2046% | 2,089 |
| Earnings coverage of net charge-offs (x) | 1.6482% | 4,501 |
| Efficiency ratio | 74.3986% | 3,809 |
| Assets per employee ($millions) | 3.6629% | 4,617 |
| Cash dividends to net income (ytd only)* | -18.3333% | 7,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9496% | 2,146 |
| Loan loss allowance to noncurrent loans | 64.7029% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 2.9932% | 2,342 |
| Noncurrent loans to loans | 3.0131% | 2,558 |
| Net loans and leases to total assets | 79.5121% | 1,087 |
| Net loans and leases to deposits | 91.8861% | 1,914 |
| Net loans and leases to core deposits | 127.7978% | 1,402 |
| Total domestic deposits to total assets | 86.5333% | 2,742 |
| Equity capital to assets | 8.7524% | 5,512 |
| Core capital (leverage) ratio | 8.1594% | 5,890 |
| Tier 1 risk-based capital ratio | 10.2032% | 6,680 |
| Total risk-based capital ratio | 11.4616% | 6,639 |
| Memoranda: | ||
| Average total assets | $85,019,000 | 5,559 |
| Average earning assets | $77,391,200 | 5,550 |
| Average equity | $7,521,400 | 6,077 |
| Average total loans | $65,550,400 | 5,043 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2120% | 1,346 |
| Cost of funding earning assets | 2.5480% | 1,162 |
| Net interest margin | 3.6640% | 4,223 |
| Noninterest income to average assets | 0.5279% | 4,255 |
| Noninterest expense to average assets | 2.9676% | 4,173 |
| Loan and lease loss provision to assets | 0.9552% | 2,011 |
| Net operating income to assets | -0.0106% | 5,725 |
| Return on assets (ROA) | -0.3653% | 6,279 |
| Pretax return on assets | -0.6099% | 6,401 |
| Return on Equity (ROE) | -4.1194% | 6,354 |
| Retained earnings to average equity (ytd only) | -5.0794% | 6,267 |
| Net charge-offs to loans | 0.3191% | 4,042 |
| Credit loss provision to net charge-offs | 392.9936% | 1,019 |
| Earnings coverage of net charge-offs (x) | 3.7006% | 3,413 |
| Efficiency ratio | 76.7414% | 3,370 |
| Assets per employee ($millions) | 3.7070% | 4,411 |
| Cash dividends to net income (ytd only)* | -23.3045% | 7,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9233% | 1,970 |
| Loan loss allowance to noncurrent loans | 90.2299% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 2.1815% | 3,120 |
| Noncurrent loans to loans | 2.1315% | 3,471 |
| Net loans and leases to total assets | 75.1214% | 2,217 |
| Net loans and leases to deposits | 86.2324% | 3,267 |
| Net loans and leases to core deposits | 124.0966% | 1,891 |
| Total domestic deposits to total assets | 87.1150% | 2,123 |
| Equity capital to assets | 8.3730% | 6,415 |
| Core capital (leverage) ratio | 7.9899% | 6,377 |
| Tier 1 risk-based capital ratio | 10.2212% | 6,759 |
| Total risk-based capital ratio | 11.4781% | 6,691 |
| Memoranda: | ||
| Average total assets | $86,127,750 | 5,550 |
| Average earning assets | $78,491,750 | 5,540 |
| Average equity | $7,638,500 | 6,099 |
| Average total loans | $65,601,000 | 5,079 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1017% | 1,787 |
| Cost of funding earning assets | 2.5578% | 1,414 |
| Net interest margin | 3.5439% | 4,598 |
| Noninterest income to average assets | 0.5485% | 4,050 |
| Noninterest expense to average assets | 2.9624% | 4,240 |
| Loan and lease loss provision to assets | 0.3842% | 3,615 |
| Net operating income to assets | 0.3163% | 4,823 |
| Return on assets (ROA) | 0.3148% | 4,941 |
| Pretax return on assets | 0.4768% | 4,694 |
| Return on Equity (ROE) | 3.4849% | 4,721 |
| Retained earnings to average equity (ytd only) | 2.0756% | 4,187 |
| Net charge-offs to loans | 0.2100% | 4,197 |
| Credit loss provision to net charge-offs | 240.5797% | 1,934 |
| Earnings coverage of net charge-offs (x) | 5.4058% | 2,840 |
| Efficiency ratio | 77.4350% | 3,432 |
| Assets per employee ($millions) | 3.9966% | 3,679 |
| Cash dividends to net income (ytd only)* | 40.4412% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 3,937 |
| Loan loss allowance to noncurrent loans | 206.7130% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 1.0088% | 4,949 |
| Noncurrent loans to loans | 0.6577% | 5,941 |
| Net loans and leases to total assets | 73.6878% | 2,792 |
| Net loans and leases to deposits | 85.1167% | 3,708 |
| Net loans and leases to core deposits | 122.6549% | 2,142 |
| Total domestic deposits to total assets | 86.5726% | 2,469 |
| Equity capital to assets | 8.8723% | 5,490 |
| Core capital (leverage) ratio | 9.0069% | 4,619 |
| Tier 1 risk-based capital ratio | 11.1814% | 5,692 |
| Total risk-based capital ratio | 12.4402% | 5,607 |
| Memoranda: | ||
| Average total assets | $86,416,330 | 5,570 |
| Average earning assets | $79,912,670 | 5,531 |
| Average equity | $7,805,000 | 6,088 |
| Average total loans | $65,699,330 | 5,119 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1291% | 1,834 |
| Cost of funding earning assets | 2.5987% | 1,571 |
| Net interest margin | 3.5304% | 4,612 |
| Noninterest income to average assets | 0.5650% | 3,792 |
| Noninterest expense to average assets | 2.8531% | 4,324 |
| Loan and lease loss provision to assets | 0.3689% | 3,114 |
| Net operating income to assets | 0.4047% | 4,839 |
| Return on assets (ROA) | 0.4016% | 5,035 |
| Pretax return on assets | 0.6117% | 4,721 |
| Return on Equity (ROE) | 4.4063% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.4063% | 3,465 |
| Net charge-offs to loans | 0.0426% | 4,882 |
| Credit loss provision to net charge-offs | 1,128.5714% | 560 |
| Earnings coverage of net charge-offs (x) | 30.1429% | 1,050 |
| Efficiency ratio | 74.3309% | 3,767 |
| Assets per employee ($millions) | 3.9118% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 3,956 |
| Loan loss allowance to noncurrent loans | 152.5483% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.8773% | 4,995 |
| Noncurrent loans to loans | 0.8658% | 5,284 |
| Net loans and leases to total assets | 75.3564% | 2,415 |
| Net loans and leases to deposits | 87.4050% | 3,400 |
| Net loans and leases to core deposits | 125.3038% | 1,969 |
| Total domestic deposits to total assets | 86.2153% | 2,607 |
| Equity capital to assets | 9.0740% | 5,262 |
| Core capital (leverage) ratio | 8.9386% | 4,810 |
| Tier 1 risk-based capital ratio | 10.3669% | 6,528 |
| Total risk-based capital ratio | 11.5414% | 6,528 |
| Memoranda: | ||
| Average total assets | $85,662,000 | 5,621 |
| Average earning assets | $79,424,000 | 5,568 |
| Average equity | $7,807,000 | 6,121 |
| Average total loans | $65,707,500 | 5,141 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7927% | 1,703 |
| Cost of funding earning assets | 3.0797% | 1,573 |
| Net interest margin | 3.7130% | 4,412 |
| Noninterest income to average assets | 0.4468% | 5,063 |
| Noninterest expense to average assets | 2.8634% | 4,559 |
| Loan and lease loss provision to assets | 0.2767% | 4,177 |
| Net operating income to assets | 0.4914% | 4,778 |
| Return on assets (ROA) | 0.5901% | 4,219 |
| Pretax return on assets | 0.9035% | 3,708 |
| Return on Equity (ROE) | 6.7746% | 3,633 |
| Retained earnings to average equity (ytd only) | 4.8772% | 2,097 |
| Net charge-offs to loans | 0.0915% | 5,425 |
| Credit loss provision to net charge-offs | 396.4912% | 1,112 |
| Earnings coverage of net charge-offs (x) | 14.7368% | 2,007 |
| Efficiency ratio | 73.5766% | 3,648 |
| Assets per employee ($millions) | 3.5527% | 4,538 |
| Cash dividends to net income (ytd only)* | 28.0083% | 4,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 4,434 |
| Loan loss allowance to noncurrent loans | 273.8832% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 5,507 |
| Noncurrent loans to loans | 0.4429% | 6,028 |
| Net loans and leases to total assets | 76.1145% | 2,591 |
| Net loans and leases to deposits | 88.3882% | 3,743 |
| Net loans and leases to core deposits | 124.2419% | 2,305 |
| Total domestic deposits to total assets | 86.1139% | 2,350 |
| Equity capital to assets | 9.1538% | 5,145 |
| Core capital (leverage) ratio | 9.1649% | 4,496 |
| Tier 1 risk-based capital ratio | 10.2933% | 6,430 |
| Total risk-based capital ratio | 11.3693% | 6,470 |
| Memoranda: | ||
| Average total assets | $81,685,200 | 5,639 |
| Average earning assets | $75,787,400 | 5,596 |
| Average equity | $7,114,800 | 6,416 |
| Average total loans | $62,317,800 | 5,164 |