Home > Southern Missouri Bank of Marshfield > Performance and Condition Ratios
Southern Missouri Bank of Marshfield, Performance and Condition Ratios
| 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 | 4.7773% | 1,014 |
| Cost of funding earning assets | 0.6205% | 1,466 |
| Net interest margin | 4.1567% | 1,286 |
| Noninterest income to average assets | 0.6575% | 2,154 |
| Noninterest expense to average assets | 3.2718% | 1,430 |
| Loan and lease loss provision to assets | -0.0944% | 5,471 |
| Net operating income to assets | 0.8707% | 2,861 |
| Return on assets (ROA) | 0.8707% | 2,883 |
| Pretax return on assets | 1.0140% | 3,513 |
| Return on Equity (ROE) | 7.4831% | 3,041 |
| Retained earnings to average equity (ytd only) | 1.6417% | 4,319 |
| Net charge-offs to loans | 0.0663% | 2,524 |
| Credit loss provision to net charge-offs | -184.7826% | 4,783 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 2,098 |
| Efficiency ratio | 78.0604% | 1,339 |
| Assets per employee ($millions) | 3.4630% | 4,749 |
| Cash dividends to net income (ytd only)* | 78.0612% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 4,460 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 2,963 |
| Noncurrent loans to loans | 0.0376% | 4,842 |
| Net loans and leases to total assets | 79.0676% | 1,107 |
| Net loans and leases to deposits | 97.4378% | 948 |
| Net loans and leases to core deposits | 117.1501% | 685 |
| Total domestic deposits to total assets | 81.1468% | 4,086 |
| Equity capital to assets | 12.3963% | 1,576 |
| Core capital (leverage) ratio | 11.9817% | 1,608 |
| Tier 1 risk-based capital ratio | 15.8048% | 2,513 |
| Total risk-based capital ratio | 16.7254% | 2,570 |
| Memoranda: | ||
| Average total assets | $90,041,400 | 4,423 |
| Average earning assets | $76,550,200 | 4,530 |
| Average equity | $10,477,000 | 4,382 |
| Average total loans | $69,377,000 | 3,978 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 1,013 |
| Cost of funding earning assets | 0.6203% | 1,402 |
| Net interest margin | 4.1356% | 1,305 |
| Noninterest income to average assets | 0.6483% | 2,218 |
| Noninterest expense to average assets | 3.2868% | 1,383 |
| Loan and lease loss provision to assets | -0.1320% | 5,620 |
| Net operating income to assets | 0.8580% | 3,241 |
| Return on assets (ROA) | 0.8580% | 3,288 |
| Pretax return on assets | 0.9841% | 3,748 |
| Return on Equity (ROE) | 7.4903% | 3,395 |
| Retained earnings to average equity (ytd only) | -0.3457% | 5,265 |
| Net charge-offs to loans | 0.0845% | 1,957 |
| Credit loss provision to net charge-offs | -204.5455% | 4,635 |
| Earnings coverage of net charge-offs (x) | 13.2035% | 2,365 |
| Efficiency ratio | 79.4118% | 1,170 |
| Assets per employee ($millions) | 3.5922% | 4,589 |
| Cash dividends to net income (ytd only)* | 104.6155% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 4,607 |
| Loan loss allowance to noncurrent loans | 15,525.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 3,283 |
| Noncurrent loans to loans | 0.0057% | 5,120 |
| Net loans and leases to total assets | 76.8688% | 1,441 |
| Net loans and leases to deposits | 94.8372% | 1,220 |
| Net loans and leases to core deposits | 113.8240% | 851 |
| Total domestic deposits to total assets | 81.0534% | 4,029 |
| Equity capital to assets | 11.7633% | 2,143 |
| Core capital (leverage) ratio | 11.6673% | 1,908 |
| Tier 1 risk-based capital ratio | 15.8705% | 2,562 |
| Total risk-based capital ratio | 16.8081% | 2,633 |
| Memoranda: | ||
| Average total assets | $90,908,250 | 4,452 |
| Average earning assets | $76,730,750 | 4,569 |
| Average equity | $10,413,250 | 4,432 |
| Average total loans | $69,452,250 | 4,008 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7403% | 983 |
| Cost of funding earning assets | 0.6127% | 1,373 |
| Net interest margin | 4.1275% | 1,253 |
| Noninterest income to average assets | 0.6595% | 2,172 |
| Noninterest expense to average assets | 3.2889% | 1,394 |
| Loan and lease loss provision to assets | -0.1972% | 5,704 |
| Net operating income to assets | 0.8765% | 3,035 |
| Return on assets (ROA) | 0.8765% | 3,092 |
| Pretax return on assets | 1.0364% | 3,421 |
| Return on Equity (ROE) | 7.7198% | 3,182 |
| Retained earnings to average equity (ytd only) | -4.0915% | 5,494 |
| Net charge-offs to loans | 0.0288% | 2,636 |
| Credit loss provision to net charge-offs | -900.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | 38.3000% | 1,284 |
| Efficiency ratio | 79.6709% | 1,252 |
| Assets per employee ($millions) | 3.6433% | 4,518 |
| Cash dividends to net income (ytd only)* | 153.0000% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 4,456 |
| Loan loss allowance to noncurrent loans | 909.7222% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 2,980 |
| Noncurrent loans to loans | 0.1036% | 4,715 |
| Net loans and leases to total assets | 75.6154% | 1,593 |
| Net loans and leases to deposits | 93.5939% | 1,308 |
| Net loans and leases to core deposits | 112.4110% | 879 |
| Total domestic deposits to total assets | 80.7909% | 4,237 |
| Equity capital to assets | 11.4007% | 2,410 |
| Core capital (leverage) ratio | 11.4016% | 2,050 |
| Tier 1 risk-based capital ratio | 15.3197% | 2,793 |
| Total risk-based capital ratio | 16.2914% | 2,848 |
| Memoranda: | ||
| Average total assets | $91,276,000 | 4,473 |
| Average earning assets | $76,704,670 | 4,598 |
| Average equity | $10,363,000 | 4,460 |
| Average total loans | $69,385,330 | 4,034 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6943% | 946 |
| Cost of funding earning assets | 0.5842% | 1,486 |
| Net interest margin | 4.1101% | 1,194 |
| Noninterest income to average assets | 0.6610% | 2,133 |
| Noninterest expense to average assets | 3.3445% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7092% | 3,665 |
| Return on assets (ROA) | 0.7092% | 3,706 |
| Pretax return on assets | 0.7661% | 4,227 |
| Return on Equity (ROE) | 6.2594% | 3,782 |
| Retained earnings to average equity (ytd only) | -17.3871% | 5,695 |
| Net charge-offs to loans | 0.0519% | 1,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 19.4444% | 1,527 |
| Efficiency ratio | 81.3632% | 1,219 |
| Assets per employee ($millions) | 3.5094% | 4,783 |
| Cash dividends to net income (ytd only)* | 377.7778% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 3,828 |
| Loan loss allowance to noncurrent loans | 303.2520% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.6795% | 2,594 |
| Noncurrent loans to loans | 0.3558% | 3,818 |
| Net loans and leases to total assets | 74.9499% | 1,586 |
| Net loans and leases to deposits | 93.5476% | 1,160 |
| Net loans and leases to core deposits | 113.9648% | 676 |
| Total domestic deposits to total assets | 80.1195% | 4,594 |
| Equity capital to assets | 11.1075% | 2,526 |
| Core capital (leverage) ratio | 11.2422% | 2,154 |
| Tier 1 risk-based capital ratio | 15.0091% | 2,960 |
| Total risk-based capital ratio | 16.1190% | 2,960 |
| Memoranda: | ||
| Average total assets | $91,373,000 | 4,511 |
| Average earning assets | $76,689,500 | 4,640 |
| Average equity | $10,352,500 | 4,489 |
| Average total loans | $69,314,500 | 4,071 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7485% | 969 |
| Cost of funding earning assets | 0.5897% | 1,412 |
| Net interest margin | 4.1587% | 1,216 |
| Noninterest income to average assets | 0.7723% | 1,867 |
| Noninterest expense to average assets | 3.3625% | 1,437 |
| Loan and lease loss provision to assets | -0.2059% | 5,786 |
| Net operating income to assets | 1.1176% | 1,831 |
| Return on assets (ROA) | 1.1176% | 1,918 |
| Pretax return on assets | 1.1644% | 2,833 |
| Return on Equity (ROE) | 10.0563% | 1,934 |
| Retained earnings to average equity (ytd only) | 0.7841% | 5,006 |
| Net charge-offs to loans | -0.0115% | 4,969 |
| Credit loss provision to net charge-offs | 2,362.5000% | 180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8170% | 1,717 |
| Assets per employee ($millions) | 3.3889% | 4,918 |
| Cash dividends to net income (ytd only)* | 92.2027% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 3,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 3,363 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 75.1249% | 1,671 |
| Net loans and leases to deposits | 94.8452% | 1,108 |
| Net loans and leases to core deposits | 114.9268% | 661 |
| Total domestic deposits to total assets | 79.2079% | 4,746 |
| Equity capital to assets | 11.5518% | 2,121 |
| Core capital (leverage) ratio | 11.5924% | 1,868 |
| Tier 1 risk-based capital ratio | 23.5814% | 908 |
| Total risk-based capital ratio | 24.8367% | 896 |
| Memoranda: | ||
| Average total assets | $91,806,200 | 4,515 |
| Average earning assets | $78,341,200 | 4,621 |
| Average equity | $10,202,600 | 4,539 |
| Average total loans | $69,756,400 | 4,047 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7446% | 993 |
| Cost of funding earning assets | 0.5916% | 1,396 |
| Net interest margin | 4.1530% | 1,243 |
| Noninterest income to average assets | 0.6994% | 2,171 |
| Noninterest expense to average assets | 3.4101% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8300% | 3,235 |
| Return on assets (ROA) | 0.8300% | 3,365 |
| Pretax return on assets | 0.8445% | 4,174 |
| Return on Equity (ROE) | 7.5430% | 3,271 |
| Retained earnings to average equity (ytd only) | -4.9319% | 5,733 |
| Net charge-offs to loans | -0.0936% | 5,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1501% | 1,421 |
| Assets per employee ($millions) | 3.3978% | 4,911 |
| Cash dividends to net income (ytd only)* | 165.3839% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 2,255 |
| Loan loss allowance to noncurrent loans | 417.3729% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.8055% | 2,528 |
| Noncurrent loans to loans | 0.3324% | 4,064 |
| Net loans and leases to total assets | 76.3072% | 1,477 |
| Net loans and leases to deposits | 95.0200% | 1,149 |
| Net loans and leases to core deposits | 116.3222% | 648 |
| Total domestic deposits to total assets | 80.3065% | 4,438 |
| Equity capital to assets | 11.0681% | 2,944 |
| Core capital (leverage) ratio | 10.9463% | 2,509 |
| Tier 1 risk-based capital ratio | 23.1946% | 978 |
| Total risk-based capital ratio | 24.4572% | 962 |
| Memoranda: | ||
| Average total assets | $91,882,500 | 4,548 |
| Average earning assets | $78,656,250 | 4,645 |
| Average equity | $10,110,750 | 4,595 |
| Average total loans | $69,821,750 | 4,080 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7200% | 1,011 |
| Cost of funding earning assets | 0.5900% | 1,398 |
| Net interest margin | 4.1300% | 1,294 |
| Noninterest income to average assets | 0.7136% | 2,075 |
| Noninterest expense to average assets | 3.4091% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8202% | 3,216 |
| Return on assets (ROA) | 0.8202% | 3,357 |
| Pretax return on assets | 0.8376% | 4,168 |
| Return on Equity (ROE) | 7.4681% | 3,280 |
| Retained earnings to average equity (ytd only) | -10.6771% | 5,892 |
| Net charge-offs to loans | -0.0144% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2766% | 1,464 |
| Assets per employee ($millions) | 3.4195% | 4,888 |
| Cash dividends to net income (ytd only)* | 242.9708% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 2,558 |
| Loan loss allowance to noncurrent loans | 169.7297% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 1.1459% | 1,847 |
| Noncurrent loans to loans | 0.7916% | 2,767 |
| Net loans and leases to total assets | 74.9139% | 1,666 |
| Net loans and leases to deposits | 93.5497% | 1,331 |
| Net loans and leases to core deposits | 113.8444% | 734 |
| Total domestic deposits to total assets | 80.0793% | 4,518 |
| Equity capital to assets | 10.8247% | 3,260 |
| Core capital (leverage) ratio | 10.6245% | 2,824 |
| Tier 1 risk-based capital ratio | 22.9306% | 1,023 |
| Total risk-based capital ratio | 24.1927% | 1,001 |
| Memoranda: | ||
| Average total assets | $91,929,670 | 4,583 |
| Average earning assets | $78,644,000 | 4,684 |
| Average equity | $10,096,330 | 4,626 |
| Average total loans | $69,432,330 | 4,104 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 934 |
| Cost of funding earning assets | 0.5887% | 1,413 |
| Net interest margin | 4.1668% | 1,181 |
| Noninterest income to average assets | 0.7631% | 1,762 |
| Noninterest expense to average assets | 3.4841% | 1,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8111% | 3,183 |
| Return on assets (ROA) | 0.8111% | 3,309 |
| Pretax return on assets | 0.8285% | 4,109 |
| Return on Equity (ROE) | 7.3319% | 3,270 |
| Retained earnings to average equity (ytd only) | -28.7756% | 6,020 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7887% | 1,513 |
| Assets per employee ($millions) | 3.2786% | 5,158 |
| Cash dividends to net income (ytd only)* | 492.4731% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 2,654 |
| Loan loss allowance to noncurrent loans | 525.8427% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.8758% | 2,497 |
| Noncurrent loans to loans | 0.2568% | 4,516 |
| Net loans and leases to total assets | 74.4722% | 1,650 |
| Net loans and leases to deposits | 92.5204% | 1,283 |
| Net loans and leases to core deposits | 116.0513% | 587 |
| Total domestic deposits to total assets | 80.4928% | 4,635 |
| Equity capital to assets | 10.6697% | 3,293 |
| Core capital (leverage) ratio | 10.5770% | 2,879 |
| Tier 1 risk-based capital ratio | 23.0496% | 1,005 |
| Total risk-based capital ratio | 24.3124% | 990 |
| Memoranda: | ||
| Average total assets | $91,731,500 | 4,625 |
| Average earning assets | $78,141,000 | 4,742 |
| Average equity | $10,147,500 | 4,638 |
| Average total loans | $69,095,000 | 4,132 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8809% | 800 |
| Cost of funding earning assets | 0.6653% | 989 |
| Net interest margin | 4.2156% | 1,136 |
| Noninterest income to average assets | 0.9102% | 1,410 |
| Noninterest expense to average assets | 3.3686% | 1,551 |
| Loan and lease loss provision to assets | -0.2159% | 6,001 |
| Net operating income to assets | 1.2611% | 1,364 |
| Return on assets (ROA) | 1.2611% | 1,410 |
| Pretax return on assets | 1.3831% | 1,966 |
| Return on Equity (ROE) | 11.3025% | 1,504 |
| Retained earnings to average equity (ytd only) | 5.1093% | 2,343 |
| Net charge-offs to loans | 0.1569% | 1,810 |
| Credit loss provision to net charge-offs | -181.8182% | 5,262 |
| Earnings coverage of net charge-offs (x) | 9.8273% | 2,771 |
| Efficiency ratio | 74.2680% | 2,537 |
| Assets per employee ($millions) | 3.3949% | 4,987 |
| Cash dividends to net income (ytd only)* | 54.7945% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 2,625 |
| Loan loss allowance to noncurrent loans | 427.3973% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 1.0321% | 2,127 |
| Noncurrent loans to loans | 0.3179% | 4,323 |
| Net loans and leases to total assets | 74.1329% | 1,704 |
| Net loans and leases to deposits | 95.2963% | 1,087 |
| Net loans and leases to core deposits | 121.9552% | 427 |
| Total domestic deposits to total assets | 77.7921% | 5,205 |
| Equity capital to assets | 11.4553% | 2,393 |
| Core capital (leverage) ratio | 11.3600% | 2,078 |
| Tier 1 risk-based capital ratio | 25.4458% | 777 |
| Total risk-based capital ratio | 26.7085% | 759 |
| Memoranda: | ||
| Average total assets | $92,620,000 | 4,614 |
| Average earning assets | $79,657,400 | 4,723 |
| Average equity | $10,334,000 | 4,594 |
| Average total loans | $70,114,200 | 4,087 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8814% | 800 |
| Cost of funding earning assets | 0.6833% | 916 |
| Net interest margin | 4.1981% | 1,172 |
| Noninterest income to average assets | 0.8601% | 1,582 |
| Noninterest expense to average assets | 3.3943% | 1,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9893% | 2,517 |
| Return on assets (ROA) | 0.9893% | 2,604 |
| Pretax return on assets | 1.0826% | 3,302 |
| Return on Equity (ROE) | 8.9253% | 2,615 |
| Retained earnings to average equity (ytd only) | 7.7854% | 1,337 |
| Net charge-offs to loans | 0.2329% | 1,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.1299% | 3,096 |
| Efficiency ratio | 75.8178% | 2,275 |
| Assets per employee ($millions) | 3.5650% | 4,678 |
| Cash dividends to net income (ytd only)* | 12.7721% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6445% | 1,627 |
| Loan loss allowance to noncurrent loans | 337.2372% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 1.1436% | 2,085 |
| Noncurrent loans to loans | 0.4876% | 3,893 |
| Net loans and leases to total assets | 72.4612% | 1,989 |
| Net loans and leases to deposits | 90.6814% | 1,567 |
| Net loans and leases to core deposits | 114.0342% | 669 |
| Total domestic deposits to total assets | 79.9074% | 4,770 |
| Equity capital to assets | 11.4132% | 2,569 |
| Core capital (leverage) ratio | 11.3396% | 2,159 |
| Tier 1 risk-based capital ratio | 25.1061% | 849 |
| Total risk-based capital ratio | 26.3743% | 834 |
| Memoranda: | ||
| Average total assets | $92,859,750 | 4,654 |
| Average earning assets | $80,002,750 | 4,776 |
| Average equity | $10,292,500 | 4,655 |
| Average total loans | $70,421,000 | 4,122 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8654% | 784 |
| Cost of funding earning assets | 0.6961% | 860 |
| Net interest margin | 4.1693% | 1,173 |
| Noninterest income to average assets | 0.8782% | 1,518 |
| Noninterest expense to average assets | 3.4397% | 1,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9772% | 2,512 |
| Return on assets (ROA) | 0.9772% | 2,612 |
| Pretax return on assets | 1.0612% | 3,336 |
| Return on Equity (ROE) | 8.9046% | 2,601 |
| Retained earnings to average equity (ytd only) | 8.9046% | 955 |
| Net charge-offs to loans | 0.2559% | 1,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.4176% | 2,923 |
| Efficiency ratio | 76.4228% | 2,292 |
| Assets per employee ($millions) | 3.5227% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 1,696 |
| Loan loss allowance to noncurrent loans | 346.8468% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 1.3178% | 1,905 |
| Noncurrent loans to loans | 0.4803% | 4,031 |
| Net loans and leases to total assets | 74.4413% | 1,591 |
| Net loans and leases to deposits | 95.5893% | 997 |
| Net loans and leases to core deposits | 124.0832% | 375 |
| Total domestic deposits to total assets | 77.8762% | 5,302 |
| Equity capital to assets | 11.3725% | 2,514 |
| Core capital (leverage) ratio | 11.0352% | 2,390 |
| Tier 1 risk-based capital ratio | 25.6407% | 806 |
| Total risk-based capital ratio | 26.9098% | 789 |
| Memoranda: | ||
| Average total assets | $92,916,000 | 4,706 |
| Average earning assets | $80,733,000 | 4,808 |
| Average equity | $10,197,000 | 4,698 |
| Average total loans | $71,132,000 | 4,131 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 727 |
| Cost of funding earning assets | 0.6912% | 888 |
| Net interest margin | 4.1913% | 1,079 |
| Noninterest income to average assets | 0.8976% | 1,392 |
| Noninterest expense to average assets | 3.5392% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9404% | 2,557 |
| Return on assets (ROA) | 0.9404% | 2,691 |
| Pretax return on assets | 1.0130% | 3,444 |
| Return on Equity (ROE) | 8.7237% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.7237% | 1,298 |
| Net charge-offs to loans | 0.1000% | 1,726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.1667% | 1,742 |
| Efficiency ratio | 77.7465% | 2,223 |
| Assets per employee ($millions) | 3.2350% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 1,698 |
| Loan loss allowance to noncurrent loans | 109.0586% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.4720% | 1,791 |
| Noncurrent loans to loans | 1.5722% | 1,780 |
| Net loans and leases to total assets | 75.0328% | 1,348 |
| Net loans and leases to deposits | 97.4378% | 726 |
| Net loans and leases to core deposits | 126.6567% | 288 |
| Total domestic deposits to total assets | 77.0058% | 5,610 |
| Equity capital to assets | 10.8863% | 3,105 |
| Core capital (leverage) ratio | 10.7446% | 2,698 |
| Tier 1 risk-based capital ratio | 15.0167% | 3,424 |
| Total risk-based capital ratio | 16.2668% | 3,357 |
| Memoranda: | ||
| Average total assets | $93,579,500 | 4,733 |
| Average earning assets | $81,597,000 | 4,827 |
| Average equity | $10,087,500 | 4,763 |
| Average total loans | $72,030,500 | 4,133 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 730 |
| Cost of funding earning assets | 0.7955% | 665 |
| Net interest margin | 4.2327% | 1,209 |
| Noninterest income to average assets | 1.0307% | 1,153 |
| Noninterest expense to average assets | 3.8517% | 910 |
| Loan and lease loss provision to assets | 0.0021% | 4,565 |
| Net operating income to assets | 0.8405% | 3,175 |
| Return on assets (ROA) | 0.8405% | 3,263 |
| Pretax return on assets | 0.8575% | 4,042 |
| Return on Equity (ROE) | 7.8485% | 3,211 |
| Retained earnings to average equity (ytd only) | -4.8520% | 6,174 |
| Net charge-offs to loans | 0.0417% | 3,990 |
| Credit loss provision to net charge-offs | 6.6667% | 4,139 |
| Earnings coverage of net charge-offs (x) | 26.9667% | 1,449 |
| Efficiency ratio | 81.7546% | 1,689 |
| Assets per employee ($millions) | 3.0111% | 5,681 |
| Cash dividends to net income (ytd only)* | 161.8205% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7200% | 1,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 4,778 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 76.2716% | 1,223 |
| Net loans and leases to deposits | 101.6868% | 531 |
| Net loans and leases to core deposits | 137.2063% | 184 |
| Total domestic deposits to total assets | 75.0064% | 5,860 |
| Equity capital to assets | 10.6724% | 3,272 |
| Core capital (leverage) ratio | 10.6345% | 2,799 |
| Tier 1 risk-based capital ratio | 14.3358% | 3,875 |
| Total risk-based capital ratio | 15.5932% | 3,810 |
| Memoranda: | ||
| Average total assets | $94,114,000 | 4,753 |
| Average earning assets | $81,838,600 | 4,860 |
| Average equity | $10,078,400 | 4,734 |
| Average total loans | $71,938,800 | 4,127 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 736 |
| Cost of funding earning assets | 0.8140% | 639 |
| Net interest margin | 4.2104% | 1,255 |
| Noninterest income to average assets | 1.0688% | 1,072 |
| Noninterest expense to average assets | 3.9544% | 795 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7634% | 3,609 |
| Return on assets (ROA) | 0.7634% | 3,701 |
| Pretax return on assets | 0.7634% | 4,495 |
| Return on Equity (ROE) | 7.1232% | 3,647 |
| Retained earnings to average equity (ytd only) | -9.7615% | 6,371 |
| Net charge-offs to loans | 0.0093% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 107.9430% | 556 |
| Efficiency ratio | 83.8178% | 1,412 |
| Assets per employee ($millions) | 3.2278% | 5,374 |
| Cash dividends to net income (ytd only)* | 237.0371% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 1,785 |
| Loan loss allowance to noncurrent loans | 679.1444% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.6474% | 3,896 |
| Noncurrent loans to loans | 0.2595% | 5,130 |
| Net loans and leases to total assets | 75.6178% | 1,267 |
| Net loans and leases to deposits | 96.0563% | 876 |
| Net loans and leases to core deposits | 126.6361% | 276 |
| Total domestic deposits to total assets | 78.7223% | 5,386 |
| Equity capital to assets | 10.3584% | 3,728 |
| Core capital (leverage) ratio | 10.3476% | 3,217 |
| Tier 1 risk-based capital ratio | 13.7523% | 4,385 |
| Total risk-based capital ratio | 15.0097% | 4,315 |
| Memoranda: | ||
| Average total assets | $94,306,500 | 4,789 |
| Average earning assets | $81,731,750 | 4,911 |
| Average equity | $10,107,500 | 4,764 |
| Average total loans | $71,813,250 | 4,162 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9966% | 759 |
| Cost of funding earning assets | 0.8295% | 612 |
| Net interest margin | 4.1671% | 1,323 |
| Noninterest income to average assets | 1.1508% | 887 |
| Noninterest expense to average assets | 4.1125% | 664 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6410% | 4,150 |
| Return on assets (ROA) | 0.6410% | 4,250 |
| Pretax return on assets | 0.6410% | 4,815 |
| Return on Equity (ROE) | 5.9153% | 4,199 |
| Retained earnings to average equity (ytd only) | -7.5161% | 6,355 |
| Net charge-offs to loans | -0.0028% | 5,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5154% | 1,223 |
| Assets per employee ($millions) | 2.9103% | 5,876 |
| Cash dividends to net income (ytd only)* | 227.0627% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8423% | 1,724 |
| Loan loss allowance to noncurrent loans | 193.7690% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.8859% | 3,332 |
| Noncurrent loans to loans | 0.9508% | 3,344 |
| Net loans and leases to total assets | 72.9440% | 1,584 |
| Net loans and leases to deposits | 90.9057% | 1,280 |
| Net loans and leases to core deposits | 123.6296% | 308 |
| Total domestic deposits to total assets | 80.2414% | 5,187 |
| Equity capital to assets | 10.7872% | 3,106 |
| Core capital (leverage) ratio | 10.4466% | 3,018 |
| Tier 1 risk-based capital ratio | 13.8469% | 4,351 |
| Total risk-based capital ratio | 15.1026% | 4,302 |
| Memoranda: | ||
| Average total assets | $94,540,330 | 4,813 |
| Average earning assets | $81,735,000 | 4,942 |
| Average equity | $10,244,670 | 4,753 |
| Average total loans | $71,733,670 | 4,171 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0475% | 661 |
| Cost of funding earning assets | 0.8064% | 727 |
| Net interest margin | 4.2411% | 1,116 |
| Noninterest income to average assets | 1.0205% | 1,086 |
| Noninterest expense to average assets | 4.0989% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5880% | 4,244 |
| Return on assets (ROA) | 0.5880% | 4,323 |
| Pretax return on assets | 0.5880% | 4,867 |
| Return on Equity (ROE) | 5.4138% | 4,324 |
| Retained earnings to average equity (ytd only) | -1.8561% | 5,841 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4552% | 1,287 |
| Assets per employee ($millions) | 2.6852% | 6,214 |
| Cash dividends to net income (ytd only)* | 134.2857% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 2,229 |
| Loan loss allowance to noncurrent loans | 1,465.5172% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 5,394 |
| Noncurrent loans to loans | 0.1184% | 5,762 |
| Net loans and leases to total assets | 74.6778% | 1,164 |
| Net loans and leases to deposits | 93.5296% | 832 |
| Net loans and leases to core deposits | 120.2072% | 322 |
| Total domestic deposits to total assets | 79.8440% | 5,519 |
| Equity capital to assets | 10.7090% | 3,031 |
| Core capital (leverage) ratio | 10.9365% | 2,454 |
| Tier 1 risk-based capital ratio | 14.4576% | 4,026 |
| Total risk-based capital ratio | 15.7135% | 3,985 |
| Memoranda: | ||
| Average total assets | $95,246,000 | 4,834 |
| Average earning assets | $82,337,000 | 4,966 |
| Average equity | $10,344,000 | 4,757 |
| Average total loans | $72,997,000 | 4,167 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4226% | 415 |
| Cost of funding earning assets | 0.9744% | 518 |
| Net interest margin | 4.4482% | 827 |
| Noninterest income to average assets | 1.6457% | 530 |
| Noninterest expense to average assets | 4.3451% | 602 |
| Loan and lease loss provision to assets | 0.0930% | 3,252 |
| Net operating income to assets | 0.9701% | 2,469 |
| Return on assets (ROA) | 0.9701% | 2,535 |
| Pretax return on assets | 1.0558% | 3,130 |
| Return on Equity (ROE) | 9.0401% | 2,514 |
| Retained earnings to average equity (ytd only) | 0.4910% | 5,620 |
| Net charge-offs to loans | -0.0475% | 6,323 |
| Credit loss provision to net charge-offs | -257.1429% | 6,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0899% | 2,305 |
| Assets per employee ($millions) | 2.0850% | 6,617 |
| Cash dividends to net income (ytd only)* | 94.5687% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 2,211 |
| Loan loss allowance to noncurrent loans | 2,710.6383% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 5,598 |
| Noncurrent loans to loans | 0.0648% | 6,026 |
| Net loans and leases to total assets | 75.9459% | 1,082 |
| Net loans and leases to deposits | 97.4975% | 622 |
| Net loans and leases to core deposits | 135.7431% | 152 |
| Total domestic deposits to total assets | 77.8953% | 5,841 |
| Equity capital to assets | 11.0161% | 2,599 |
| Core capital (leverage) ratio | 10.9789% | 2,409 |
| Tier 1 risk-based capital ratio | 13.8665% | 4,386 |
| Total risk-based capital ratio | 15.1214% | 4,327 |
| Memoranda: | ||
| Average total assets | $96,798,000 | 4,820 |
| Average earning assets | $83,741,600 | 4,940 |
| Average equity | $10,387,000 | 4,762 |
| Average total loans | $73,752,000 | 4,140 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4671% | 392 |
| Cost of funding earning assets | 0.9890% | 521 |
| Net interest margin | 4.4781% | 760 |
| Noninterest income to average assets | 1.7332% | 512 |
| Noninterest expense to average assets | 4.3960% | 582 |
| Loan and lease loss provision to assets | 0.1230% | 2,754 |
| Net operating income to assets | 0.9883% | 2,426 |
| Return on assets (ROA) | 0.9883% | 2,526 |
| Pretax return on assets | 1.0826% | 3,181 |
| Return on Equity (ROE) | 9.2693% | 2,511 |
| Retained earnings to average equity (ytd only) | 0.0897% | 5,908 |
| Net charge-offs to loans | -0.0594% | 6,366 |
| Credit loss provision to net charge-offs | -272.7273% | 5,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4773% | 2,343 |
| Assets per employee ($millions) | 2.0329% | 6,695 |
| Cash dividends to net income (ytd only)* | 99.0311% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7753% | 2,385 |
| Loan loss allowance to noncurrent loans | 2,652.0833% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 5,772 |
| Noncurrent loans to loans | 0.0669% | 6,136 |
| Net loans and leases to total assets | 73.7179% | 1,330 |
| Net loans and leases to deposits | 93.6273% | 850 |
| Net loans and leases to core deposits | 129.2301% | 200 |
| Total domestic deposits to total assets | 78.7355% | 5,799 |
| Equity capital to assets | 10.7553% | 3,008 |
| Core capital (leverage) ratio | 10.7934% | 2,678 |
| Tier 1 risk-based capital ratio | 15.0557% | 3,720 |
| Total risk-based capital ratio | 16.3123% | 3,663 |
| Memoranda: | ||
| Average total assets | $97,541,000 | 4,845 |
| Average earning assets | $84,259,000 | 4,968 |
| Average equity | $10,399,750 | 4,813 |
| Average total loans | $74,057,250 | 4,150 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4405% | 413 |
| Cost of funding earning assets | 1.0116% | 514 |
| Net interest margin | 4.4289% | 805 |
| Noninterest income to average assets | 1.7860% | 525 |
| Noninterest expense to average assets | 4.4742% | 539 |
| Loan and lease loss provision to assets | 0.1833% | 2,068 |
| Net operating income to assets | 0.9001% | 2,795 |
| Return on assets (ROA) | 0.9001% | 2,936 |
| Pretax return on assets | 0.9714% | 3,630 |
| Return on Equity (ROE) | 8.4666% | 2,867 |
| Retained earnings to average equity (ytd only) | 0.4980% | 5,700 |
| Net charge-offs to loans | -0.0802% | 6,434 |
| Credit loss provision to net charge-offs | -300.0000% | 5,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4863% | 2,225 |
| Assets per employee ($millions) | 2.0215% | 6,742 |
| Cash dividends to net income (ytd only)* | 94.1176% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7286% | 2,677 |
| Loan loss allowance to noncurrent loans | 2,645.8333% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 5,827 |
| Noncurrent loans to loans | 0.0653% | 6,196 |
| Net loans and leases to total assets | 74.4071% | 1,194 |
| Net loans and leases to deposits | 96.0706% | 667 |
| Net loans and leases to core deposits | 127.4367% | 207 |
| Total domestic deposits to total assets | 77.4505% | 6,067 |
| Equity capital to assets | 10.7100% | 3,043 |
| Core capital (leverage) ratio | 10.5561% | 2,814 |
| Tier 1 risk-based capital ratio | 15.0894% | 3,717 |
| Total risk-based capital ratio | 16.3464% | 3,676 |
| Memoranda: | ||
| Average total assets | $98,206,670 | 4,859 |
| Average earning assets | $85,212,670 | 4,975 |
| Average equity | $10,441,000 | 4,842 |
| Average total loans | $74,841,000 | 4,141 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4246% | 416 |
| Cost of funding earning assets | 1.0244% | 538 |
| Net interest margin | 4.4002% | 806 |
| Noninterest income to average assets | 1.6236% | 592 |
| Noninterest expense to average assets | 4.6156% | 491 |
| Loan and lease loss provision to assets | 0.1498% | 2,375 |
| Net operating income to assets | 0.6559% | 3,926 |
| Return on assets (ROA) | 0.6559% | 4,082 |
| Pretax return on assets | 0.6842% | 4,641 |
| Return on Equity (ROE) | 6.1918% | 3,943 |
| Retained earnings to average equity (ytd only) | -3.7839% | 6,259 |
| Net charge-offs to loans | -0.0953% | 6,423 |
| Credit loss provision to net charge-offs | -205.5556% | 5,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6954% | 1,685 |
| Assets per employee ($millions) | 2.1464% | 6,799 |
| Cash dividends to net income (ytd only)* | 161.1111% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 3,439 |
| Loan loss allowance to noncurrent loans | 1,085.5856% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 5,710 |
| Noncurrent loans to loans | 0.1465% | 6,031 |
| Net loans and leases to total assets | 75.5062% | 900 |
| Net loans and leases to deposits | 98.4185% | 424 |
| Net loans and leases to core deposits | 141.4872% | 120 |
| Total domestic deposits to total assets | 76.7195% | 6,273 |
| Equity capital to assets | 10.5535% | 3,488 |
| Core capital (leverage) ratio | 10.4287% | 2,868 |
| Tier 1 risk-based capital ratio | 14.0777% | 4,451 |
| Total risk-based capital ratio | 15.3334% | 4,402 |
| Memoranda: | ||
| Average total assets | $98,794,500 | 4,890 |
| Average earning assets | $85,905,000 | 4,986 |
| Average equity | $10,465,500 | 4,892 |
| Average total loans | $75,527,500 | 4,147 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7893% | 374 |
| Cost of funding earning assets | 1.2524% | 457 |
| Net interest margin | 4.5369% | 880 |
| Noninterest income to average assets | 2.3033% | 352 |
| Noninterest expense to average assets | 4.7386% | 458 |
| Loan and lease loss provision to assets | 0.3143% | 2,179 |
| Net operating income to assets | 1.1812% | 1,658 |
| Return on assets (ROA) | 1.1911% | 1,796 |
| Pretax return on assets | 1.0896% | 3,198 |
| Return on Equity (ROE) | 12.0695% | 1,490 |
| Retained earnings to average equity (ytd only) | 6.9083% | 1,610 |
| Net charge-offs to loans | 0.8773% | 1,304 |
| Credit loss provision to net charge-offs | 48.1146% | 4,736 |
| Earnings coverage of net charge-offs (x) | 2.1342% | 4,345 |
| Efficiency ratio | 77.2691% | 2,553 |
| Assets per employee ($millions) | 2.1033% | 6,875 |
| Cash dividends to net income (ytd only)* | 42.7626% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 3,635 |
| Loan loss allowance to noncurrent loans | 1,064.8148% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 5,831 |
| Noncurrent loans to loans | 0.1434% | 6,125 |
| Net loans and leases to total assets | 75.0086% | 1,049 |
| Net loans and leases to deposits | 96.3087% | 599 |
| Net loans and leases to core deposits | 139.1790% | 134 |
| Total domestic deposits to total assets | 77.8835% | 6,103 |
| Equity capital to assets | 10.6329% | 3,360 |
| Core capital (leverage) ratio | 10.3506% | 2,944 |
| Tier 1 risk-based capital ratio | 13.3489% | 4,856 |
| Total risk-based capital ratio | 14.6015% | 4,811 |
| Memoranda: | ||
| Average total assets | $101,506,400 | 4,790 |
| Average earning assets | $85,675,000 | 4,971 |
| Average equity | $10,017,000 | 4,979 |
| Average total loans | $75,572,200 | 4,162 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8664% | 356 |
| Cost of funding earning assets | 1.2864% | 465 |
| Net interest margin | 4.5801% | 850 |
| Noninterest income to average assets | 2.2237% | 363 |
| Noninterest expense to average assets | 4.6614% | 474 |
| Loan and lease loss provision to assets | 0.4124% | 1,550 |
| Net operating income to assets | 0.9543% | 2,728 |
| Return on assets (ROA) | 0.9670% | 2,889 |
| Pretax return on assets | 1.0009% | 3,707 |
| Return on Equity (ROE) | 9.9862% | 2,355 |
| Retained earnings to average equity (ytd only) | 3.0187% | 4,741 |
| Net charge-offs to loans | 1.0823% | 955 |
| Credit loss provision to net charge-offs | 51.4658% | 4,366 |
| Earnings coverage of net charge-offs (x) | 1.7475% | 4,398 |
| Efficiency ratio | 76.8999% | 2,537 |
| Assets per employee ($millions) | 2.1416% | 6,947 |
| Cash dividends to net income (ytd only)* | 69.7706% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 3,288 |
| Loan loss allowance to noncurrent loans | 404.0541% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.3817% | 5,749 |
| Noncurrent loans to loans | 0.4111% | 5,630 |
| Net loans and leases to total assets | 71.8788% | 1,572 |
| Net loans and leases to deposits | 93.6900% | 812 |
| Net loans and leases to core deposits | 138.5633% | 144 |
| Total domestic deposits to total assets | 76.7198% | 6,275 |
| Equity capital to assets | 10.1997% | 4,204 |
| Core capital (leverage) ratio | 9.8982% | 3,688 |
| Tier 1 risk-based capital ratio | 13.8348% | 4,667 |
| Total risk-based capital ratio | 15.0896% | 4,619 |
| Memoranda: | ||
| Average total assets | $102,169,500 | 4,822 |
| Average earning assets | $85,614,750 | 5,033 |
| Average equity | $9,893,500 | 5,048 |
| Average total loans | $75,640,500 | 4,209 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9020% | 342 |
| Cost of funding earning assets | 1.3245% | 471 |
| Net interest margin | 4.5775% | 865 |
| Noninterest income to average assets | 2.2652% | 334 |
| Noninterest expense to average assets | 4.5498% | 529 |
| Loan and lease loss provision to assets | 0.4527% | 1,414 |
| Net operating income to assets | 1.0433% | 2,278 |
| Return on assets (ROA) | 1.0620% | 2,423 |
| Pretax return on assets | 1.0930% | 3,328 |
| Return on Equity (ROE) | 11.1563% | 1,937 |
| Retained earnings to average equity (ytd only) | 4.7145% | 3,469 |
| Net charge-offs to loans | 0.9004% | 1,222 |
| Credit loss provision to net charge-offs | 67.6301% | 3,620 |
| Earnings coverage of net charge-offs (x) | 2.2803% | 3,856 |
| Efficiency ratio | 74.8806% | 2,917 |
| Assets per employee ($millions) | 2.3322% | 6,881 |
| Cash dividends to net income (ytd only)* | 57.7413% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8422% | 2,726 |
| Loan loss allowance to noncurrent loans | 193.1469% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7319% | 4,964 |
| Noncurrent loans to loans | 0.9538% | 4,598 |
| Net loans and leases to total assets | 71.7081% | 1,605 |
| Net loans and leases to deposits | 91.7861% | 972 |
| Net loans and leases to core deposits | 133.5002% | 187 |
| Total domestic deposits to total assets | 78.1252% | 6,136 |
| Equity capital to assets | 9.7967% | 4,634 |
| Core capital (leverage) ratio | 9.5420% | 4,089 |
| Tier 1 risk-based capital ratio | 13.2023% | 5,032 |
| Total risk-based capital ratio | 14.4507% | 5,013 |
| Memoranda: | ||
| Average total assets | $103,388,330 | 4,817 |
| Average earning assets | $86,072,670 | 5,043 |
| Average equity | $9,842,000 | 5,062 |
| Average total loans | $76,852,000 | 4,190 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9785% | 317 |
| Cost of funding earning assets | 1.3420% | 531 |
| Net interest margin | 4.6365% | 770 |
| Noninterest income to average assets | 1.8849% | 454 |
| Noninterest expense to average assets | 4.5136% | 547 |
| Loan and lease loss provision to assets | 0.4857% | 1,251 |
| Net operating income to assets | 0.7015% | 3,875 |
| Return on assets (ROA) | 0.7015% | 4,090 |
| Pretax return on assets | 0.7208% | 4,727 |
| Return on Equity (ROE) | 7.4770% | 3,512 |
| Retained earnings to average equity (ytd only) | -5.5461% | 6,621 |
| Net charge-offs to loans | 0.2160% | 2,847 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 7.4524% | 2,072 |
| Efficiency ratio | 78.9084% | 2,368 |
| Assets per employee ($millions) | 2.2938% | 7,000 |
| Cash dividends to net income (ytd only)* | 174.1758% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0388% | 2,240 |
| Loan loss allowance to noncurrent loans | 59.0127% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 2.9142% | 1,986 |
| Noncurrent loans to loans | 3.4548% | 1,806 |
| Net loans and leases to total assets | 71.8567% | 1,426 |
| Net loans and leases to deposits | 91.9466% | 799 |
| Net loans and leases to core deposits | 132.9633% | 177 |
| Total domestic deposits to total assets | 78.1504% | 6,244 |
| Equity capital to assets | 9.1710% | 5,272 |
| Core capital (leverage) ratio | 9.3601% | 4,263 |
| Tier 1 risk-based capital ratio | 12.7654% | 5,394 |
| Total risk-based capital ratio | 14.0256% | 5,362 |
| Memoranda: | ||
| Average total assets | $103,774,500 | 4,840 |
| Average earning assets | $85,841,000 | 5,087 |
| Average equity | $9,736,500 | 5,110 |
| Average total loans | $77,795,500 | 4,191 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2084% | 299 |
| Cost of funding earning assets | 1.4206% | 952 |
| Net interest margin | 4.7878% | 644 |
| Noninterest income to average assets | 1.4917% | 585 |
| Noninterest expense to average assets | 4.2478% | 762 |
| Loan and lease loss provision to assets | 0.4758% | 2,227 |
| Net operating income to assets | 0.7866% | 3,103 |
| Return on assets (ROA) | 0.7866% | 3,262 |
| Pretax return on assets | 0.8384% | 3,831 |
| Return on Equity (ROE) | 8.7193% | 2,583 |
| Retained earnings to average equity (ytd only) | 7.2519% | 1,383 |
| Net charge-offs to loans | 0.5866% | 2,692 |
| Credit loss provision to net charge-offs | 104.2017% | 3,302 |
| Earnings coverage of net charge-offs (x) | 2.8782% | 3,769 |
| Efficiency ratio | 76.3712% | 2,834 |
| Assets per employee ($millions) | 2.3189% | 6,994 |
| Cash dividends to net income (ytd only)* | 16.8293% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9107% | 2,536 |
| Loan loss allowance to noncurrent loans | 107.6369% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.8876% | 3,128 |
| Noncurrent loans to loans | 1.7751% | 3,501 |
| Net loans and leases to total assets | 75.1705% | 1,067 |
| Net loans and leases to deposits | 97.9140% | 565 |
| Net loans and leases to core deposits | 126.3350% | 275 |
| Total domestic deposits to total assets | 76.7720% | 6,368 |
| Equity capital to assets | 9.6009% | 4,746 |
| Core capital (leverage) ratio | 9.1792% | 4,494 |
| Tier 1 risk-based capital ratio | 11.6936% | 6,028 |
| Total risk-based capital ratio | 12.9406% | 6,015 |
| Memoranda: | ||
| Average total assets | $104,242,800 | 4,784 |
| Average earning assets | $88,621,800 | 4,978 |
| Average equity | $9,404,400 | 5,177 |
| Average total loans | $81,140,600 | 4,113 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2121% | 318 |
| Cost of funding earning assets | 1.4391% | 1,071 |
| Net interest margin | 4.7730% | 659 |
| Noninterest income to average assets | 1.3181% | 754 |
| Noninterest expense to average assets | 4.0713% | 923 |
| Loan and lease loss provision to assets | 0.5216% | 1,898 |
| Net operating income to assets | 0.6781% | 3,730 |
| Return on assets (ROA) | 0.6781% | 3,904 |
| Pretax return on assets | 0.7888% | 4,175 |
| Return on Equity (ROE) | 7.6361% | 3,205 |
| Retained earnings to average equity (ytd only) | 5.6589% | 2,767 |
| Net charge-offs to loans | 0.6709% | 2,232 |
| Credit loss provision to net charge-offs | 99.5146% | 3,434 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,880 |
| Efficiency ratio | 75.6501% | 2,892 |
| Assets per employee ($millions) | 2.3750% | 7,012 |
| Cash dividends to net income (ytd only)* | 25.8918% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8325% | 2,827 |
| Loan loss allowance to noncurrent loans | 98.5274% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.9608% | 3,193 |
| Noncurrent loans to loans | 1.8599% | 3,554 |
| Net loans and leases to total assets | 75.4620% | 1,067 |
| Net loans and leases to deposits | 98.1089% | 572 |
| Net loans and leases to core deposits | 152.9600% | 128 |
| Total domestic deposits to total assets | 76.9165% | 6,389 |
| Equity capital to assets | 9.1848% | 5,533 |
| Core capital (leverage) ratio | 8.9966% | 4,934 |
| Tier 1 risk-based capital ratio | 11.9184% | 5,953 |
| Total risk-based capital ratio | 13.1760% | 5,924 |
| Memoranda: | ||
| Average total assets | $104,795,500 | 4,795 |
| Average earning assets | $89,221,250 | 4,980 |
| Average equity | $9,306,500 | 5,234 |
| Average total loans | $81,877,750 | 4,124 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1849% | 336 |
| Cost of funding earning assets | 1.4670% | 1,132 |
| Net interest margin | 4.7179% | 699 |
| Noninterest income to average assets | 1.1650% | 938 |
| Noninterest expense to average assets | 3.8725% | 1,239 |
| Loan and lease loss provision to assets | 0.5491% | 1,763 |
| Net operating income to assets | 0.5911% | 4,103 |
| Return on assets (ROA) | 0.5911% | 4,236 |
| Pretax return on assets | 0.7722% | 4,131 |
| Return on Equity (ROE) | 6.7323% | 3,568 |
| Retained earnings to average equity (ytd only) | 3.7353% | 3,838 |
| Net charge-offs to loans | 0.7937% | 1,916 |
| Credit loss provision to net charge-offs | 88.0734% | 3,515 |
| Earnings coverage of net charge-offs (x) | 2.1193% | 3,784 |
| Efficiency ratio | 74.5595% | 3,260 |
| Assets per employee ($millions) | 2.4686% | 6,954 |
| Cash dividends to net income (ytd only)* | 44.5161% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8173% | 2,929 |
| Loan loss allowance to noncurrent loans | 96.7611% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 2.1159% | 3,086 |
| Noncurrent loans to loans | 1.8781% | 3,640 |
| Net loans and leases to total assets | 72.9854% | 1,595 |
| Net loans and leases to deposits | 94.6698% | 824 |
| Net loans and leases to core deposits | 132.5906% | 245 |
| Total domestic deposits to total assets | 77.0947% | 6,438 |
| Equity capital to assets | 8.8017% | 5,814 |
| Core capital (leverage) ratio | 8.8003% | 5,047 |
| Tier 1 risk-based capital ratio | 11.6438% | 6,061 |
| Total risk-based capital ratio | 12.9009% | 6,046 |
| Memoranda: | ||
| Average total assets | $104,894,330 | 4,832 |
| Average earning assets | $89,573,330 | 5,010 |
| Average equity | $9,209,330 | 5,258 |
| Average total loans | $82,394,000 | 4,144 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0430% | 436 |
| Cost of funding earning assets | 1.4844% | 1,234 |
| Net interest margin | 4.5586% | 940 |
| Noninterest income to average assets | 1.2583% | 801 |
| Noninterest expense to average assets | 3.9284% | 1,136 |
| Loan and lease loss provision to assets | 0.5754% | 1,501 |
| Net operating income to assets | 0.5639% | 4,218 |
| Return on assets (ROA) | 0.5639% | 4,296 |
| Pretax return on assets | 0.7366% | 4,160 |
| Return on Equity (ROE) | 6.4315% | 3,659 |
| Retained earnings to average equity (ytd only) | 0.3938% | 5,657 |
| Net charge-offs to loans | 0.9508% | 1,406 |
| Credit loss provision to net charge-offs | 75.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | 1.7100% | 3,456 |
| Efficiency ratio | 74.9634% | 3,336 |
| Assets per employee ($millions) | 2.3637% | 7,131 |
| Cash dividends to net income (ytd only)* | 93.8776% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7498% | 3,175 |
| Loan loss allowance to noncurrent loans | 78.5006% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 2.5067% | 2,727 |
| Noncurrent loans to loans | 2.2290% | 3,283 |
| Net loans and leases to total assets | 76.8810% | 889 |
| Net loans and leases to deposits | 100.6774% | 434 |
| Net loans and leases to core deposits | 153.4094% | 143 |
| Total domestic deposits to total assets | 76.3637% | 6,618 |
| Equity capital to assets | 8.8095% | 5,475 |
| Core capital (leverage) ratio | 8.6206% | 5,233 |
| Tier 1 risk-based capital ratio | 11.2398% | 6,317 |
| Total risk-based capital ratio | 12.4960% | 6,285 |
| Memoranda: | ||
| Average total assets | $104,266,500 | 4,883 |
| Average earning assets | $91,080,500 | 5,003 |
| Average equity | $9,142,500 | 5,276 |
| Average total loans | $84,137,000 | 4,131 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4207% | 365 |
| Cost of funding earning assets | 1.8471% | 1,008 |
| Net interest margin | 4.5737% | 1,069 |
| Noninterest income to average assets | 1.7174% | 506 |
| Noninterest expense to average assets | 3.7637% | 1,554 |
| Loan and lease loss provision to assets | 0.4793% | 3,259 |
| Net operating income to assets | 1.0340% | 1,925 |
| Return on assets (ROA) | 1.0450% | 1,989 |
| Pretax return on assets | 1.4709% | 1,450 |
| Return on Equity (ROE) | 12.6605% | 1,173 |
| Retained earnings to average equity (ytd only) | 3.6559% | 3,300 |
| Net charge-offs to loans | 0.4142% | 3,967 |
| Credit loss provision to net charge-offs | 144.4444% | 2,572 |
| Earnings coverage of net charge-offs (x) | 5.8304% | 2,525 |
| Efficiency ratio | 66.0480% | 4,962 |
| Assets per employee ($millions) | 2.4310% | 7,092 |
| Cash dividends to net income (ytd only)* | 71.1235% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 3,229 |
| Loan loss allowance to noncurrent loans | 82.9488% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.9362% | 3,428 |
| Noncurrent loans to loans | 2.0450% | 3,492 |
| Net loans and leases to total assets | 81.7156% | 472 |
| Net loans and leases to deposits | 110.9266% | 218 |
| Net loans and leases to core deposits | 152.0669% | 171 |
| Total domestic deposits to total assets | 73.6664% | 6,927 |
| Equity capital to assets | 8.7275% | 5,543 |
| Core capital (leverage) ratio | 8.6872% | 5,041 |
| Tier 1 risk-based capital ratio | 10.7905% | 6,498 |
| Total risk-based capital ratio | 12.0465% | 6,456 |
| Memoranda: | ||
| Average total assets | $103,063,800 | 4,895 |
| Average earning assets | $89,709,200 | 5,024 |
| Average equity | $8,506,800 | 5,543 |
| Average total loans | $82,565,200 | 4,257 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5374% | 317 |
| Cost of funding earning assets | 1.9235% | 952 |
| Net interest margin | 4.6139% | 1,012 |
| Noninterest income to average assets | 1.6904% | 493 |
| Noninterest expense to average assets | 3.6638% | 1,641 |
| Loan and lease loss provision to assets | 0.4765% | 3,087 |
| Net operating income to assets | 1.0862% | 1,940 |
| Return on assets (ROA) | 1.1010% | 1,990 |
| Pretax return on assets | 1.5541% | 1,465 |
| Return on Equity (ROE) | 13.5361% | 1,136 |
| Retained earnings to average equity (ytd only) | 1.3089% | 5,287 |
| Net charge-offs to loans | 0.1064% | 5,480 |
| Credit loss provision to net charge-offs | 564.6154% | 510 |
| Earnings coverage of net charge-offs (x) | 23.8166% | 1,047 |
| Efficiency ratio | 64.5767% | 5,131 |
| Assets per employee ($millions) | 2.5440% | 7,019 |
| Cash dividends to net income (ytd only)* | 90.3303% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9607% | 2,323 |
| Loan loss allowance to noncurrent loans | 399.0172% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.6107% | 5,909 |
| Noncurrent loans to loans | 0.4914% | 6,214 |
| Net loans and leases to total assets | 77.8515% | 1,064 |
| Net loans and leases to deposits | 104.2066% | 421 |
| Net loans and leases to core deposits | 150.9125% | 188 |
| Total domestic deposits to total assets | 74.7088% | 6,827 |
| Equity capital to assets | 8.5931% | 6,163 |
| Core capital (leverage) ratio | 8.5030% | 5,499 |
| Tier 1 risk-based capital ratio | 10.9416% | 6,431 |
| Total risk-based capital ratio | 12.2011% | 6,408 |
| Memoranda: | ||
| Average total assets | $102,696,750 | 4,972 |
| Average earning assets | $88,657,250 | 5,124 |
| Average equity | $8,352,750 | 5,673 |
| Average total loans | $81,483,250 | 4,368 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4890% | 344 |
| Cost of funding earning assets | 1.9916% | 929 |
| Net interest margin | 4.4975% | 1,217 |
| Noninterest income to average assets | 1.7267% | 443 |
| Noninterest expense to average assets | 3.6041% | 1,771 |
| Loan and lease loss provision to assets | 0.5716% | 2,489 |
| Net operating income to assets | 1.0226% | 2,107 |
| Return on assets (ROA) | 1.0435% | 2,109 |
| Pretax return on assets | 1.4663% | 1,649 |
| Return on Equity (ROE) | 13.0808% | 1,220 |
| Retained earnings to average equity (ytd only) | -5.7183% | 6,635 |
| Net charge-offs to loans | 0.0790% | 5,345 |
| Credit loss provision to net charge-offs | 912.5000% | 408 |
| Earnings coverage of net charge-offs (x) | 32.0625% | 878 |
| Efficiency ratio | 64.2135% | 5,294 |
| Assets per employee ($millions) | 2.7333% | 6,725 |
| Cash dividends to net income (ytd only)* | 143.7148% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8972% | 2,420 |
| Loan loss allowance to noncurrent loans | 468.3432% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 6,025 |
| Noncurrent loans to loans | 0.4051% | 6,435 |
| Net loans and leases to total assets | 78.8100% | 993 |
| Net loans and leases to deposits | 105.0743% | 437 |
| Net loans and leases to core deposits | 159.3087% | 166 |
| Total domestic deposits to total assets | 75.0041% | 6,856 |
| Equity capital to assets | 7.8477% | 6,890 |
| Core capital (leverage) ratio | 7.8416% | 6,450 |
| Tier 1 risk-based capital ratio | 10.0062% | 7,023 |
| Total risk-based capital ratio | 11.2647% | 6,996 |
| Memoranda: | ||
| Average total assets | $102,160,670 | 5,014 |
| Average earning assets | $88,272,000 | 5,160 |
| Average equity | $8,149,330 | 5,746 |
| Average total loans | $81,035,330 | 4,418 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4483% | 398 |
| Cost of funding earning assets | 2.0576% | 920 |
| Net interest margin | 4.3907% | 1,414 |
| Noninterest income to average assets | 2.3058% | 278 |
| Noninterest expense to average assets | 3.6206% | 1,690 |
| Loan and lease loss provision to assets | 0.9989% | 1,249 |
| Net operating income to assets | 1.0897% | 1,865 |
| Return on assets (ROA) | 1.1371% | 1,793 |
| Pretax return on assets | 1.5241% | 1,456 |
| Return on Equity (ROE) | 14.1376% | 1,029 |
| Retained earnings to average equity (ytd only) | -23.4644% | 7,439 |
| Net charge-offs to loans | 0.0601% | 4,812 |
| Credit loss provision to net charge-offs | 2,108.3333% | 243 |
| Earnings coverage of net charge-offs (x) | 51.9167% | 558 |
| Efficiency ratio | 59.5455% | 6,256 |
| Assets per employee ($millions) | 2.7591% | 6,737 |
| Cash dividends to net income (ytd only)* | 265.9722% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9523% | 2,305 |
| Loan loss allowance to noncurrent loans | 512.4590% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 6,157 |
| Noncurrent loans to loans | 0.3810% | 6,519 |
| Net loans and leases to total assets | 76.8920% | 1,351 |
| Net loans and leases to deposits | 102.9847% | 588 |
| Net loans and leases to core deposits | 136.8623% | 372 |
| Total domestic deposits to total assets | 74.6635% | 6,957 |
| Equity capital to assets | 7.7493% | 6,887 |
| Core capital (leverage) ratio | 7.7380% | 6,583 |
| Tier 1 risk-based capital ratio | 9.3936% | 7,353 |
| Total risk-based capital ratio | 10.6515% | 7,352 |
| Memoranda: | ||
| Average total assets | $101,308,500 | 5,110 |
| Average earning assets | $87,092,500 | 5,272 |
| Average equity | $8,148,500 | 5,792 |
| Average total loans | $79,833,500 | 4,513 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5673% | 582 |
| Cost of funding earning assets | 2.4723% | 1,088 |
| Net interest margin | 4.0949% | 2,476 |
| Noninterest income to average assets | 0.9955% | 1,590 |
| Noninterest expense to average assets | 3.4986% | 2,374 |
| Loan and lease loss provision to assets | 0.1758% | 5,941 |
| Net operating income to assets | 0.6261% | 3,230 |
| Return on assets (ROA) | 0.6470% | 3,203 |
| Pretax return on assets | 0.8912% | 2,953 |
| Return on Equity (ROE) | 7.8140% | 2,454 |
| Retained earnings to average equity (ytd only) | 3.1231% | 2,974 |
| Net charge-offs to loans | -0.0367% | 7,828 |
| Credit loss provision to net charge-offs | -614.2857% | 7,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1120% | 3,344 |
| Assets per employee ($millions) | 3.0464% | 6,106 |
| Cash dividends to net income (ytd only)* | 60.0316% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 3,043 |
| Loan loss allowance to noncurrent loans | 364.1873% | 897 |
| Noncurrent assets plus other real estate owned to assets | 1.4026% | 4,314 |
| Noncurrent loans to loans | 0.4560% | 6,355 |
| Net loans and leases to total assets | 77.8725% | 1,414 |
| Net loans and leases to deposits | 106.3842% | 532 |
| Net loans and leases to core deposits | 176.1532% | 184 |
| Total domestic deposits to total assets | 73.1993% | 7,129 |
| Equity capital to assets | 8.3417% | 6,140 |
| Core capital (leverage) ratio | 8.3252% | 5,567 |
| Tier 1 risk-based capital ratio | 10.6962% | 6,209 |
| Total risk-based capital ratio | 11.9393% | 6,196 |
| Memoranda: | ||
| Average total assets | $97,840,200 | 5,144 |
| Average earning assets | $84,616,600 | 5,313 |
| Average equity | $8,100,800 | 5,892 |
| Average total loans | $76,388,400 | 4,639 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4585% | 824 |
| Cost of funding earning assets | 2.5681% | 1,110 |
| Net interest margin | 3.8903% | 3,266 |
| Noninterest income to average assets | 1.0346% | 1,483 |
| Noninterest expense to average assets | 3.4757% | 2,338 |
| Loan and lease loss provision to assets | 0.2017% | 5,373 |
| Net operating income to assets | 0.5277% | 3,871 |
| Return on assets (ROA) | 0.5557% | 3,854 |
| Pretax return on assets | 0.7588% | 3,670 |
| Return on Equity (ROE) | 6.7251% | 3,202 |
| Retained earnings to average equity (ytd only) | 0.4151% | 5,026 |
| Net charge-offs to loans | 0.3034% | 4,133 |
| Credit loss provision to net charge-offs | 85.4651% | 5,611 |
| Earnings coverage of net charge-offs (x) | 3.9069% | 3,340 |
| Efficiency ratio | 79.0328% | 2,990 |
| Assets per employee ($millions) | 3.2417% | 5,537 |
| Cash dividends to net income (ytd only)* | 93.8258% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 4,153 |
| Loan loss allowance to noncurrent loans | 44.9590% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 3.4390% | 1,944 |
| Noncurrent loans to loans | 3.0269% | 2,501 |
| Net loans and leases to total assets | 79.1229% | 1,364 |
| Net loans and leases to deposits | 107.0940% | 602 |
| Net loans and leases to core deposits | 169.0974% | 275 |
| Total domestic deposits to total assets | 73.8818% | 6,969 |
| Equity capital to assets | 8.1369% | 6,707 |
| Core capital (leverage) ratio | 8.1947% | 6,022 |
| Tier 1 risk-based capital ratio | 10.5854% | 6,363 |
| Total risk-based capital ratio | 11.8373% | 6,334 |
| Memoranda: | ||
| Average total assets | $97,167,500 | 5,205 |
| Average earning assets | $84,001,500 | 5,374 |
| Average equity | $8,029,500 | 5,970 |
| Average total loans | $75,583,500 | 4,712 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4615% | 896 |
| Cost of funding earning assets | 2.7109% | 1,002 |
| Net interest margin | 3.7506% | 3,752 |
| Noninterest income to average assets | 1.0223% | 1,521 |
| Noninterest expense to average assets | 3.5520% | 2,190 |
| Loan and lease loss provision to assets | 0.1083% | 6,074 |
| Net operating income to assets | 0.4247% | 4,402 |
| Return on assets (ROA) | 0.4247% | 4,514 |
| Pretax return on assets | 0.5767% | 4,381 |
| Return on Equity (ROE) | 5.1126% | 4,032 |
| Retained earnings to average equity (ytd only) | -4.4108% | 6,209 |
| Net charge-offs to loans | 0.2030% | 4,265 |
| Credit loss provision to net charge-offs | 69.3333% | 5,428 |
| Earnings coverage of net charge-offs (x) | 4.3867% | 3,110 |
| Efficiency ratio | 83.8329% | 2,496 |
| Assets per employee ($millions) | 2.8110% | 6,600 |
| Cash dividends to net income (ytd only)* | 186.2745% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 3,351 |
| Loan loss allowance to noncurrent loans | 152.6389% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.8428% | 3,411 |
| Noncurrent loans to loans | 0.9631% | 5,295 |
| Net loans and leases to total assets | 74.8668% | 2,477 |
| Net loans and leases to deposits | 101.0814% | 1,164 |
| Net loans and leases to core deposits | 153.5577% | 572 |
| Total domestic deposits to total assets | 74.0659% | 6,946 |
| Equity capital to assets | 8.0704% | 6,663 |
| Core capital (leverage) ratio | 8.0824% | 6,191 |
| Tier 1 risk-based capital ratio | 10.5448% | 6,332 |
| Total risk-based capital ratio | 11.7970% | 6,287 |
| Memoranda: | ||
| Average total assets | $96,059,000 | 5,281 |
| Average earning assets | $82,333,330 | 5,454 |
| Average equity | $7,980,330 | 6,032 |
| Average total loans | $73,908,000 | 4,813 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4264% | 1,003 |
| Cost of funding earning assets | 2.7695% | 1,056 |
| Net interest margin | 3.6569% | 4,072 |
| Noninterest income to average assets | 1.0791% | 1,287 |
| Noninterest expense to average assets | 3.5449% | 1,990 |
| Loan and lease loss provision to assets | 0.1222% | 5,401 |
| Net operating income to assets | 0.4215% | 4,773 |
| Return on assets (ROA) | 0.4215% | 4,945 |
| Pretax return on assets | 0.5733% | 4,834 |
| Return on Equity (ROE) | 4.9997% | 4,478 |
| Retained earnings to average equity (ytd only) | -13.9991% | 7,380 |
| Net charge-offs to loans | 0.1687% | 3,618 |
| Credit loss provision to net charge-offs | 93.5484% | 3,932 |
| Earnings coverage of net charge-offs (x) | 5.3226% | 2,695 |
| Efficiency ratio | 83.5984% | 2,344 |
| Assets per employee ($millions) | 2.7541% | 6,758 |
| Cash dividends to net income (ytd only)* | 380.0000% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 3,033 |
| Loan loss allowance to noncurrent loans | 135.4293% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 2.2076% | 2,588 |
| Noncurrent loans to loans | 1.1030% | 4,780 |
| Net loans and leases to total assets | 76.6191% | 2,138 |
| Net loans and leases to deposits | 103.5935% | 1,042 |
| Net loans and leases to core deposits | 158.8493% | 508 |
| Total domestic deposits to total assets | 73.9613% | 6,900 |
| Equity capital to assets | 8.1622% | 6,584 |
| Core capital (leverage) ratio | 8.2637% | 5,974 |
| Tier 1 risk-based capital ratio | 10.4928% | 6,403 |
| Total risk-based capital ratio | 11.7461% | 6,312 |
| Memoranda: | ||
| Average total assets | $94,896,500 | 5,334 |
| Average earning assets | $82,036,500 | 5,485 |
| Average equity | $8,000,500 | 6,064 |
| Average total loans | $73,484,000 | 4,854 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0385% | 1,033 |
| Cost of funding earning assets | 3.2729% | 997 |
| Net interest margin | 3.7656% | 4,157 |
| Noninterest income to average assets | 1.3826% | 752 |
| Noninterest expense to average assets | 3.8748% | 1,606 |
| Loan and lease loss provision to assets | 0.0392% | 6,924 |
| Net operating income to assets | 0.5615% | 4,474 |
| Return on assets (ROA) | 0.5615% | 4,328 |
| Pretax return on assets | 0.7852% | 4,125 |
| Return on Equity (ROE) | 6.4098% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.4098% | 1,362 |
| Net charge-offs to loans | 0.4100% | 2,767 |
| Credit loss provision to net charge-offs | 12.5448% | 6,611 |
| Earnings coverage of net charge-offs (x) | 2.6416% | 4,767 |
| Efficiency ratio | 82.4566% | 2,245 |
| Assets per employee ($millions) | 2.7470% | 6,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 2,406 |
| Loan loss allowance to noncurrent loans | 71.2381% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 2.3212% | 2,098 |
| Noncurrent loans to loans | 2.1878% | 2,524 |
| Net loans and leases to total assets | 75.8785% | 2,659 |
| Net loans and leases to deposits | 104.1395% | 1,328 |
| Net loans and leases to core deposits | 161.8531% | 538 |
| Total domestic deposits to total assets | 72.8624% | 6,852 |
| Equity capital to assets | 8.7079% | 5,797 |
| Core capital (leverage) ratio | 9.1022% | 4,593 |
| Tier 1 risk-based capital ratio | 11.3565% | 5,378 |
| Total risk-based capital ratio | 12.6106% | 5,277 |
| Memoranda: | ||
| Average total assets | $89,398,400 | 5,381 |
| Average earning assets | $78,738,600 | 5,471 |
| Average equity | $7,831,800 | 6,162 |
| Average total loans | $68,048,800 | 4,944 |