Home > State Bank of Richmond > Performance and Condition Ratios
State Bank of Richmond, Performance and Condition Ratios
| 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 | 3.7361% | 4,392 |
| Cost of funding earning assets | 0.3848% | 3,698 |
| Net interest margin | 3.3513% | 4,047 |
| Noninterest income to average assets | 0.2079% | 4,778 |
| Noninterest expense to average assets | 2.1999% | 4,419 |
| Loan and lease loss provision to assets | 0.0650% | 2,473 |
| Net operating income to assets | 0.8488% | 3,510 |
| Return on assets (ROA) | 0.8488% | 3,527 |
| Pretax return on assets | 1.1866% | 2,817 |
| Return on Equity (ROE) | 7.5727% | 3,545 |
| Retained earnings to average equity (ytd only) | 7.5727% | 2,002 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6098% | 3,685 |
| Assets per employee ($millions) | 5.7603% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 65.1788% | 3,153 |
| Net loans and leases to deposits | 73.8684% | 3,425 |
| Net loans and leases to core deposits | 79.5687% | 3,357 |
| Total domestic deposits to total assets | 88.2363% | 1,486 |
| Equity capital to assets | 11.2581% | 2,339 |
| Core capital (leverage) ratio | 11.4015% | 2,084 |
| Tier 1 risk-based capital ratio | 16.4581% | 2,287 |
| Total risk-based capital ratio | 17.7109% | 2,236 |
| Memoranda: | ||
| Average total assets | $92,366,000 | 4,364 |
| Average earning assets | $89,397,000 | 4,276 |
| Average equity | $10,353,000 | 4,373 |
| Average total loans | $61,493,500 | 4,165 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 3,885 |
| Cost of funding earning assets | 0.3791% | 3,430 |
| Net interest margin | 3.4690% | 3,625 |
| Noninterest income to average assets | 0.2864% | 4,415 |
| Noninterest expense to average assets | 2.3556% | 4,197 |
| Loan and lease loss provision to assets | 0.1790% | 1,208 |
| Net operating income to assets | 1.2901% | 1,250 |
| Return on assets (ROA) | 1.2901% | 1,270 |
| Pretax return on assets | 1.1078% | 3,159 |
| Return on Equity (ROE) | 11.7905% | 1,267 |
| Retained earnings to average equity (ytd only) | 5.3449% | 1,902 |
| Net charge-offs to loans | -0.1271% | 5,427 |
| Credit loss provision to net charge-offs | -194.1176% | 4,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6282% | 3,659 |
| Assets per employee ($millions) | 5.7854% | 1,670 |
| Cash dividends to net income (ytd only)* | 54.6678% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 1,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 65.9630% | 3,103 |
| Net loans and leases to deposits | 74.6017% | 3,462 |
| Net loans and leases to core deposits | 80.6083% | 3,371 |
| Total domestic deposits to total assets | 88.4203% | 1,288 |
| Equity capital to assets | 11.1595% | 2,478 |
| Core capital (leverage) ratio | 11.2994% | 2,096 |
| Tier 1 risk-based capital ratio | 16.0711% | 2,407 |
| Total risk-based capital ratio | 17.3222% | 2,345 |
| Memoranda: | ||
| Average total assets | $92,163,600 | 4,389 |
| Average earning assets | $89,162,400 | 4,305 |
| Average equity | $10,084,400 | 4,431 |
| Average total loans | $66,882,000 | 4,034 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 3,730 |
| Cost of funding earning assets | 0.3786% | 3,386 |
| Net interest margin | 3.5045% | 3,491 |
| Noninterest income to average assets | 0.2940% | 4,431 |
| Noninterest expense to average assets | 2.2955% | 4,310 |
| Loan and lease loss provision to assets | 0.2172% | 854 |
| Net operating income to assets | 1.1253% | 1,971 |
| Return on assets (ROA) | 1.1253% | 2,036 |
| Pretax return on assets | 1.1731% | 3,009 |
| Return on Equity (ROE) | 10.3359% | 1,972 |
| Retained earnings to average equity (ytd only) | 6.3452% | 2,034 |
| Net charge-offs to loans | -0.1664% | 5,495 |
| Credit loss provision to net charge-offs | -176.4706% | 4,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2181% | 4,009 |
| Assets per employee ($millions) | 5.6546% | 1,776 |
| Cash dividends to net income (ytd only)* | 38.6102% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 2,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 72.5973% | 2,164 |
| Net loans and leases to deposits | 82.5979% | 2,711 |
| Net loans and leases to core deposits | 89.4593% | 2,659 |
| Total domestic deposits to total assets | 87.8925% | 1,423 |
| Equity capital to assets | 11.5073% | 2,364 |
| Core capital (leverage) ratio | 11.2792% | 2,199 |
| Tier 1 risk-based capital ratio | 14.9303% | 2,950 |
| Total risk-based capital ratio | 16.1821% | 2,870 |
| Memoranda: | ||
| Average total assets | $92,062,750 | 4,429 |
| Average earning assets | $89,102,750 | 4,345 |
| Average equity | $10,023,000 | 4,483 |
| Average total loans | $68,107,500 | 4,041 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8646% | 3,667 |
| Cost of funding earning assets | 0.3798% | 3,294 |
| Net interest margin | 3.4848% | 3,462 |
| Noninterest income to average assets | 0.3218% | 4,251 |
| Noninterest expense to average assets | 2.2075% | 4,551 |
| Loan and lease loss provision to assets | 0.2916% | 535 |
| Net operating income to assets | 1.1210% | 1,885 |
| Return on assets (ROA) | 1.1210% | 1,935 |
| Pretax return on assets | 1.1923% | 2,795 |
| Return on Equity (ROE) | 10.4916% | 1,834 |
| Retained earnings to average equity (ytd only) | 4.4271% | 3,077 |
| Net charge-offs to loans | -0.2040% | 5,576 |
| Credit loss provision to net charge-offs | -192.8571% | 4,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7478% | 4,500 |
| Assets per employee ($millions) | 5.7127% | 1,690 |
| Cash dividends to net income (ytd only)* | 57.8035% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 73.5687% | 1,948 |
| Net loans and leases to deposits | 83.3497% | 2,563 |
| Net loans and leases to core deposits | 92.0167% | 2,336 |
| Total domestic deposits to total assets | 88.2652% | 1,322 |
| Equity capital to assets | 11.1080% | 2,697 |
| Core capital (leverage) ratio | 10.8321% | 2,570 |
| Tier 1 risk-based capital ratio | 14.4819% | 3,176 |
| Total risk-based capital ratio | 15.7328% | 3,099 |
| Memoranda: | ||
| Average total assets | $92,592,670 | 4,448 |
| Average earning assets | $89,530,670 | 4,368 |
| Average equity | $9,893,670 | 4,521 |
| Average total loans | $68,614,670 | 4,048 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 3,737 |
| Cost of funding earning assets | 0.3775% | 3,227 |
| Net interest margin | 3.4326% | 3,512 |
| Noninterest income to average assets | 0.3434% | 4,098 |
| Noninterest expense to average assets | 2.2535% | 4,522 |
| Loan and lease loss provision to assets | 0.3219% | 389 |
| Net operating income to assets | 0.9443% | 2,544 |
| Return on assets (ROA) | 0.9443% | 2,603 |
| Pretax return on assets | 1.0860% | 3,040 |
| Return on Equity (ROE) | 9.0127% | 2,416 |
| Retained earnings to average equity (ytd only) | -3.2773% | 5,276 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4924% | 4,401 |
| Assets per employee ($millions) | 5.8049% | 1,653 |
| Cash dividends to net income (ytd only)* | 136.3636% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 3,798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.1853% | 1,878 |
| Net loans and leases to deposits | 82.3755% | 2,460 |
| Net loans and leases to core deposits | 89.4770% | 2,400 |
| Total domestic deposits to total assets | 88.8434% | 1,230 |
| Equity capital to assets | 10.5375% | 3,143 |
| Core capital (leverage) ratio | 10.3571% | 3,048 |
| Tier 1 risk-based capital ratio | 13.7750% | 3,614 |
| Total risk-based capital ratio | 14.8400% | 3,639 |
| Memoranda: | ||
| Average total assets | $93,187,500 | 4,478 |
| Average earning assets | $90,076,500 | 4,396 |
| Average equity | $9,764,000 | 4,578 |
| Average total loans | $68,862,500 | 4,079 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5900% | 4,534 |
| Cost of funding earning assets | 0.3269% | 3,778 |
| Net interest margin | 3.2631% | 4,251 |
| Noninterest income to average assets | 0.3287% | 4,385 |
| Noninterest expense to average assets | 2.4049% | 4,292 |
| Loan and lease loss provision to assets | 0.2271% | 958 |
| Net operating income to assets | 0.7976% | 3,315 |
| Return on assets (ROA) | 0.8144% | 3,350 |
| Pretax return on assets | 0.8721% | 3,935 |
| Return on Equity (ROE) | 7.2126% | 3,362 |
| Retained earnings to average equity (ytd only) | -2.9511% | 5,587 |
| Net charge-offs to loans | 0.1175% | 2,083 |
| Credit loss provision to net charge-offs | 300.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 14.2836% | 2,304 |
| Efficiency ratio | 67.8548% | 3,267 |
| Assets per employee ($millions) | 5.8436% | 1,588 |
| Cash dividends to net income (ytd only)* | 140.9154% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 4,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 4,932 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 73.0900% | 2,000 |
| Net loans and leases to deposits | 82.1901% | 2,650 |
| Net loans and leases to core deposits | 94.8703% | 2,022 |
| Total domestic deposits to total assets | 88.9280% | 1,151 |
| Equity capital to assets | 10.4185% | 3,250 |
| Core capital (leverage) ratio | 10.7094% | 2,644 |
| Tier 1 risk-based capital ratio | 13.5213% | 3,759 |
| Total risk-based capital ratio | 14.4503% | 3,870 |
| Memoranda: | ||
| Average total assets | $88,526,400 | 4,573 |
| Average earning assets | $85,654,400 | 4,480 |
| Average equity | $9,996,400 | 4,576 |
| Average total loans | $57,020,400 | 4,376 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5472% | 4,689 |
| Cost of funding earning assets | 0.3233% | 3,833 |
| Net interest margin | 3.2239% | 4,416 |
| Noninterest income to average assets | 0.2918% | 4,677 |
| Noninterest expense to average assets | 2.3845% | 4,324 |
| Loan and lease loss provision to assets | 0.2154% | 972 |
| Net operating income to assets | 0.8142% | 3,302 |
| Return on assets (ROA) | 0.8233% | 3,399 |
| Pretax return on assets | 0.8233% | 4,238 |
| Return on Equity (ROE) | 7.1435% | 3,479 |
| Retained earnings to average equity (ytd only) | -2.1337% | 5,601 |
| Net charge-offs to loans | -0.0049% | 4,616 |
| Credit loss provision to net charge-offs | -7,050.0000% | 5,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6353% | 3,113 |
| Assets per employee ($millions) | 5.9617% | 1,457 |
| Cash dividends to net income (ytd only)* | 129.8699% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 3,575 |
| Loan loss allowance to noncurrent loans | 419.1358% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 4,718 |
| Noncurrent loans to loans | 0.2731% | 4,282 |
| Net loans and leases to total assets | 65.5771% | 3,192 |
| Net loans and leases to deposits | 74.6503% | 3,534 |
| Net loans and leases to core deposits | 77.6256% | 3,697 |
| Total domestic deposits to total assets | 87.8458% | 1,480 |
| Equity capital to assets | 11.4586% | 2,548 |
| Core capital (leverage) ratio | 11.1081% | 2,349 |
| Tier 1 risk-based capital ratio | 15.5075% | 2,827 |
| Total risk-based capital ratio | 16.5733% | 2,836 |
| Memoranda: | ||
| Average total assets | $87,283,750 | 4,630 |
| Average earning assets | $84,533,250 | 4,542 |
| Average equity | $10,060,250 | 4,606 |
| Average total loans | $54,023,750 | 4,492 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4983% | 4,868 |
| Cost of funding earning assets | 0.3221% | 3,876 |
| Net interest margin | 3.1761% | 4,621 |
| Noninterest income to average assets | 0.2957% | 4,665 |
| Noninterest expense to average assets | 2.3934% | 4,353 |
| Loan and lease loss provision to assets | 0.1848% | 1,176 |
| Net operating income to assets | 0.7924% | 3,344 |
| Return on assets (ROA) | 0.8063% | 3,416 |
| Pretax return on assets | 0.8063% | 4,262 |
| Return on Equity (ROE) | 6.9814% | 3,554 |
| Retained earnings to average equity (ytd only) | -7.0214% | 5,820 |
| Net charge-offs to loans | -0.0038% | 4,471 |
| Credit loss provision to net charge-offs | -8,000.0000% | 5,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7738% | 3,015 |
| Assets per employee ($millions) | 5.4194% | 1,868 |
| Cash dividends to net income (ytd only)* | 200.5731% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 3,747 |
| Loan loss allowance to noncurrent loans | 678.0220% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 5,092 |
| Noncurrent loans to loans | 0.1674% | 4,773 |
| Net loans and leases to total assets | 61.9756% | 3,631 |
| Net loans and leases to deposits | 70.6887% | 3,922 |
| Net loans and leases to core deposits | 72.1222% | 4,165 |
| Total domestic deposits to total assets | 87.6739% | 1,587 |
| Equity capital to assets | 11.6238% | 2,423 |
| Core capital (leverage) ratio | 11.2270% | 2,209 |
| Tier 1 risk-based capital ratio | 15.8776% | 2,701 |
| Total risk-based capital ratio | 16.8891% | 2,741 |
| Memoranda: | ||
| Average total assets | $86,569,670 | 4,685 |
| Average earning assets | $83,812,330 | 4,594 |
| Average equity | $9,998,000 | 4,641 |
| Average total loans | $52,257,670 | 4,580 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5077% | 4,877 |
| Cost of funding earning assets | 0.3154% | 4,003 |
| Net interest margin | 3.1923% | 4,608 |
| Noninterest income to average assets | 0.2636% | 4,843 |
| Noninterest expense to average assets | 2.3908% | 4,398 |
| Loan and lease loss provision to assets | 0.2081% | 937 |
| Net operating income to assets | 0.7538% | 3,465 |
| Return on assets (ROA) | 0.7815% | 3,447 |
| Pretax return on assets | 0.7815% | 4,267 |
| Return on Equity (ROE) | 6.7889% | 3,566 |
| Retained earnings to average equity (ytd only) | -21.3307% | 5,979 |
| Net charge-offs to loans | -0.0078% | 4,434 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0690% | 3,115 |
| Assets per employee ($millions) | 5.7339% | 1,637 |
| Cash dividends to net income (ytd only)* | 414.2012% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 59.4875% | 3,850 |
| Net loans and leases to deposits | 67.6406% | 4,096 |
| Net loans and leases to core deposits | 69.0193% | 4,320 |
| Total domestic deposits to total assets | 87.9465% | 1,670 |
| Equity capital to assets | 11.3687% | 2,559 |
| Core capital (leverage) ratio | 11.0849% | 2,330 |
| Tier 1 risk-based capital ratio | 16.8631% | 2,341 |
| Total risk-based capital ratio | 17.8962% | 2,369 |
| Memoranda: | ||
| Average total assets | $86,499,500 | 4,722 |
| Average earning assets | $83,702,000 | 4,629 |
| Average equity | $9,957,500 | 4,665 |
| Average total loans | $51,208,500 | 4,638 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4984% | 4,922 |
| Cost of funding earning assets | 0.3291% | 3,925 |
| Net interest margin | 3.1693% | 4,716 |
| Noninterest income to average assets | 0.2942% | 4,779 |
| Noninterest expense to average assets | 2.1744% | 5,106 |
| Loan and lease loss provision to assets | 0.2804% | 646 |
| Net operating income to assets | 0.9056% | 2,841 |
| Return on assets (ROA) | 0.9114% | 2,887 |
| Pretax return on assets | 0.9114% | 3,789 |
| Return on Equity (ROE) | 7.9086% | 3,001 |
| Retained earnings to average equity (ytd only) | 0.9275% | 5,148 |
| Net charge-offs to loans | 0.0427% | 3,365 |
| Credit loss provision to net charge-offs | 1,161.9048% | 293 |
| Earnings coverage of net charge-offs (x) | 49.1429% | 1,017 |
| Efficiency ratio | 63.5089% | 4,368 |
| Assets per employee ($millions) | 6.6916% | 1,012 |
| Cash dividends to net income (ytd only)* | 88.2724% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 4,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 57.6324% | 4,134 |
| Net loans and leases to deposits | 65.7189% | 4,337 |
| Net loans and leases to core deposits | 67.0442% | 4,502 |
| Total domestic deposits to total assets | 87.6953% | 1,795 |
| Equity capital to assets | 11.6529% | 2,230 |
| Core capital (leverage) ratio | 11.5289% | 1,941 |
| Tier 1 risk-based capital ratio | 18.0078% | 1,965 |
| Total risk-based capital ratio | 18.9658% | 2,002 |
| Memoranda: | ||
| Average total assets | $87,013,000 | 4,729 |
| Average earning assets | $84,181,600 | 4,625 |
| Average equity | $10,027,000 | 4,660 |
| Average total loans | $49,145,200 | 4,696 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 4,907 |
| Cost of funding earning assets | 0.3277% | 4,020 |
| Net interest margin | 3.2039% | 4,656 |
| Noninterest income to average assets | 0.2957% | 4,824 |
| Noninterest expense to average assets | 2.0899% | 5,293 |
| Loan and lease loss provision to assets | 0.3401% | 396 |
| Net operating income to assets | 0.9668% | 2,636 |
| Return on assets (ROA) | 0.9745% | 2,679 |
| Pretax return on assets | 0.9745% | 3,715 |
| Return on Equity (ROE) | 8.4802% | 2,834 |
| Retained earnings to average equity (ytd only) | -0.8533% | 5,745 |
| Net charge-offs to loans | 0.0519% | 2,863 |
| Credit loss provision to net charge-offs | 1,168.4211% | 324 |
| Earnings coverage of net charge-offs (x) | 44.8993% | 1,132 |
| Efficiency ratio | 60.3067% | 4,846 |
| Assets per employee ($millions) | 6.6136% | 1,019 |
| Cash dividends to net income (ytd only)* | 110.0627% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 4,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 5,193 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 56.6593% | 4,284 |
| Net loans and leases to deposits | 64.7638% | 4,492 |
| Net loans and leases to core deposits | 66.0887% | 4,680 |
| Total domestic deposits to total assets | 87.4862% | 1,809 |
| Equity capital to assets | 11.7113% | 2,338 |
| Core capital (leverage) ratio | 11.3685% | 2,134 |
| Tier 1 risk-based capital ratio | 17.9429% | 2,040 |
| Total risk-based capital ratio | 18.8768% | 2,107 |
| Memoranda: | ||
| Average total assets | $87,018,500 | 4,786 |
| Average earning assets | $84,227,750 | 4,686 |
| Average equity | $9,999,500 | 4,722 |
| Average total loans | $48,763,750 | 4,760 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5896% | 4,746 |
| Cost of funding earning assets | 0.3218% | 4,133 |
| Net interest margin | 3.2678% | 4,426 |
| Noninterest income to average assets | 0.2930% | 4,868 |
| Noninterest expense to average assets | 2.1061% | 5,331 |
| Loan and lease loss provision to assets | 0.4052% | 282 |
| Net operating income to assets | 0.9432% | 2,671 |
| Return on assets (ROA) | 0.9546% | 2,725 |
| Pretax return on assets | 0.9546% | 3,754 |
| Return on Equity (ROE) | 8.3598% | 2,869 |
| Retained earnings to average equity (ytd only) | -5.6734% | 6,046 |
| Net charge-offs to loans | 0.0823% | 2,225 |
| Credit loss provision to net charge-offs | 885.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 29.4500% | 1,377 |
| Efficiency ratio | 59.7747% | 5,014 |
| Assets per employee ($millions) | 7.1579% | 778 |
| Cash dividends to net income (ytd only)* | 167.8657% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 4,915 |
| Loan loss allowance to noncurrent loans | 5,222.2222% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 5,261 |
| Noncurrent loans to loans | 0.0190% | 5,688 |
| Net loans and leases to total assets | 54.7040% | 4,482 |
| Net loans and leases to deposits | 62.1280% | 4,693 |
| Net loans and leases to core deposits | 63.3919% | 4,855 |
| Total domestic deposits to total assets | 88.0505% | 1,627 |
| Equity capital to assets | 11.2160% | 2,656 |
| Core capital (leverage) ratio | 11.1699% | 2,269 |
| Tier 1 risk-based capital ratio | 18.3884% | 1,954 |
| Total risk-based capital ratio | 19.2802% | 2,012 |
| Memoranda: | ||
| Average total assets | $87,365,670 | 4,828 |
| Average earning assets | $84,522,330 | 4,722 |
| Average equity | $9,976,330 | 4,758 |
| Average total loans | $48,608,330 | 4,801 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3504% | 5,328 |
| Cost of funding earning assets | 0.3191% | 4,234 |
| Net interest margin | 3.0313% | 5,120 |
| Noninterest income to average assets | 0.2997% | 4,778 |
| Noninterest expense to average assets | 2.0749% | 5,441 |
| Loan and lease loss provision to assets | 0.2043% | 893 |
| Net operating income to assets | 0.9535% | 2,487 |
| Return on assets (ROA) | 0.9625% | 2,568 |
| Pretax return on assets | 0.9625% | 3,639 |
| Return on Equity (ROE) | 8.3567% | 2,779 |
| Retained earnings to average equity (ytd only) | 8.3567% | 1,432 |
| Net charge-offs to loans | 0.1708% | 1,254 |
| Credit loss provision to net charge-offs | 214.2857% | 1,001 |
| Earnings coverage of net charge-offs (x) | 12.1429% | 1,815 |
| Efficiency ratio | 62.9213% | 4,635 |
| Assets per employee ($millions) | 7.3310% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6939% | 5,915 |
| Loan loss allowance to noncurrent loans | 783.7209% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 5,200 |
| Noncurrent loans to loans | 0.0885% | 5,429 |
| Net loans and leases to total assets | 54.8243% | 4,339 |
| Net loans and leases to deposits | 62.6877% | 4,509 |
| Net loans and leases to core deposits | 63.9409% | 4,703 |
| Total domestic deposits to total assets | 87.4562% | 2,138 |
| Equity capital to assets | 11.7674% | 2,227 |
| Core capital (leverage) ratio | 11.6816% | 1,866 |
| Tier 1 risk-based capital ratio | 18.5028% | 2,005 |
| Total risk-based capital ratio | 19.1151% | 2,138 |
| Memoranda: | ||
| Average total assets | $88,101,000 | 4,858 |
| Average earning assets | $85,244,000 | 4,739 |
| Average equity | $10,147,500 | 4,750 |
| Average total loans | $49,183,500 | 4,808 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3947% | 5,541 |
| Cost of funding earning assets | 0.3370% | 4,402 |
| Net interest margin | 3.0577% | 5,300 |
| Noninterest income to average assets | 0.3207% | 4,826 |
| Noninterest expense to average assets | 2.1592% | 5,433 |
| Loan and lease loss provision to assets | 0.2362% | 1,013 |
| Net operating income to assets | 0.8765% | 2,990 |
| Return on assets (ROA) | 0.8970% | 2,978 |
| Pretax return on assets | 0.8970% | 3,918 |
| Return on Equity (ROE) | 8.2060% | 3,021 |
| Retained earnings to average equity (ytd only) | 4.6563% | 2,854 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7715% | 4,443 |
| Assets per employee ($millions) | 7.3525% | 705 |
| Cash dividends to net income (ytd only)* | 43.2570% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6285% | 6,103 |
| Loan loss allowance to noncurrent loans | 539.6552% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 5,209 |
| Noncurrent loans to loans | 0.1165% | 5,428 |
| Net loans and leases to total assets | 56.0886% | 4,325 |
| Net loans and leases to deposits | 63.8451% | 4,540 |
| Net loans and leases to core deposits | 66.4193% | 4,640 |
| Total domestic deposits to total assets | 87.8511% | 1,849 |
| Equity capital to assets | 11.2694% | 2,630 |
| Core capital (leverage) ratio | 11.1102% | 2,301 |
| Tier 1 risk-based capital ratio | 17.8646% | 2,184 |
| Total risk-based capital ratio | 18.4353% | 2,388 |
| Memoranda: | ||
| Average total assets | $87,623,400 | 4,896 |
| Average earning assets | $84,573,600 | 4,773 |
| Average equity | $9,578,400 | 4,846 |
| Average total loans | $47,459,600 | 4,903 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3209% | 5,728 |
| Cost of funding earning assets | 0.3381% | 4,487 |
| Net interest margin | 2.9828% | 5,535 |
| Noninterest income to average assets | 0.3094% | 4,966 |
| Noninterest expense to average assets | 2.0898% | 5,599 |
| Loan and lease loss provision to assets | 0.2058% | 1,141 |
| Net operating income to assets | 0.8917% | 2,948 |
| Return on assets (ROA) | 0.9115% | 2,958 |
| Pretax return on assets | 0.9115% | 3,940 |
| Return on Equity (ROE) | 8.4040% | 2,986 |
| Retained earnings to average equity (ytd only) | 6.0149% | 2,398 |
| Net charge-offs to loans | -0.0028% | 5,215 |
| Credit loss provision to net charge-offs | -13,500.0000% | 6,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2755% | 4,494 |
| Assets per employee ($millions) | 6.7247% | 900 |
| Cash dividends to net income (ytd only)* | 28.4281% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4860% | 6,352 |
| Loan loss allowance to noncurrent loans | 8,066.6667% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 5,615 |
| Noncurrent loans to loans | 0.0060% | 6,020 |
| Net loans and leases to total assets | 56.6775% | 4,244 |
| Net loans and leases to deposits | 64.8127% | 4,453 |
| Net loans and leases to core deposits | 67.4636% | 4,560 |
| Total domestic deposits to total assets | 87.4481% | 2,064 |
| Equity capital to assets | 11.2948% | 2,661 |
| Core capital (leverage) ratio | 11.2037% | 2,305 |
| Tier 1 risk-based capital ratio | 17.5467% | 2,383 |
| Total risk-based capital ratio | 17.9813% | 2,668 |
| Memoranda: | ||
| Average total assets | $87,471,750 | 4,950 |
| Average earning assets | $84,393,250 | 4,826 |
| Average equity | $9,487,250 | 4,904 |
| Average total loans | $46,874,500 | 4,969 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2345% | 5,901 |
| Cost of funding earning assets | 0.3346% | 4,591 |
| Net interest margin | 2.8999% | 5,733 |
| Noninterest income to average assets | 0.3132% | 4,910 |
| Noninterest expense to average assets | 2.0460% | 5,735 |
| Loan and lease loss provision to assets | 0.2057% | 1,160 |
| Net operating income to assets | 0.8550% | 3,048 |
| Return on assets (ROA) | 0.8847% | 2,976 |
| Pretax return on assets | 0.8847% | 3,943 |
| Return on Equity (ROE) | 8.2707% | 2,948 |
| Retained earnings to average equity (ytd only) | 4.6376% | 3,202 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5327% | 4,610 |
| Assets per employee ($millions) | 7.2913% | 697 |
| Cash dividends to net income (ytd only)* | 43.9276% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4018% | 6,489 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 5,339 |
| Noncurrent loans to loans | 0.2009% | 5,413 |
| Net loans and leases to total assets | 55.5283% | 4,344 |
| Net loans and leases to deposits | 63.0679% | 4,587 |
| Net loans and leases to core deposits | 65.6270% | 4,673 |
| Total domestic deposits to total assets | 88.0452% | 1,873 |
| Equity capital to assets | 11.0028% | 2,871 |
| Core capital (leverage) ratio | 10.9984% | 2,431 |
| Tier 1 risk-based capital ratio | 17.3838% | 2,468 |
| Total risk-based capital ratio | 17.7405% | 2,796 |
| Memoranda: | ||
| Average total assets | $87,488,670 | 4,988 |
| Average earning assets | $84,279,670 | 4,860 |
| Average equity | $9,358,330 | 4,947 |
| Average total loans | $45,902,670 | 5,034 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2318% | 5,965 |
| Cost of funding earning assets | 0.3379% | 4,663 |
| Net interest margin | 2.8939% | 5,769 |
| Noninterest income to average assets | 0.3292% | 4,737 |
| Noninterest expense to average assets | 1.9615% | 5,956 |
| Loan and lease loss provision to assets | 0.2057% | 1,125 |
| Net operating income to assets | 0.9162% | 2,569 |
| Return on assets (ROA) | 0.9739% | 2,373 |
| Pretax return on assets | 1.0013% | 3,310 |
| Return on Equity (ROE) | 9.2368% | 2,356 |
| Retained earnings to average equity (ytd only) | 9.2368% | 1,179 |
| Net charge-offs to loans | 0.0090% | 3,445 |
| Credit loss provision to net charge-offs | 4,500.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 195 |
| Efficiency ratio | 61.7647% | 5,162 |
| Assets per employee ($millions) | 7.3362% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3362% | 6,597 |
| Loan loss allowance to noncurrent loans | 156.2500% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 5,366 |
| Noncurrent loans to loans | 0.2152% | 5,449 |
| Net loans and leases to total assets | 50.5112% | 4,849 |
| Net loans and leases to deposits | 57.2873% | 5,008 |
| Net loans and leases to core deposits | 59.5937% | 5,075 |
| Total domestic deposits to total assets | 88.1716% | 2,128 |
| Equity capital to assets | 10.7061% | 3,035 |
| Core capital (leverage) ratio | 11.0118% | 2,380 |
| Tier 1 risk-based capital ratio | 18.5118% | 2,119 |
| Total risk-based capital ratio | 18.8029% | 2,432 |
| Memoranda: | ||
| Average total assets | $87,485,000 | 5,033 |
| Average earning assets | $84,039,500 | 4,917 |
| Average equity | $9,224,000 | 4,996 |
| Average total loans | $44,463,500 | 5,149 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8389% | 6,473 |
| Cost of funding earning assets | 0.3852% | 4,799 |
| Net interest margin | 2.4537% | 6,407 |
| Noninterest income to average assets | 0.3123% | 5,107 |
| Noninterest expense to average assets | 1.9850% | 6,056 |
| Loan and lease loss provision to assets | 0.1228% | 2,772 |
| Net operating income to assets | 0.5591% | 4,456 |
| Return on assets (ROA) | 0.5580% | 4,589 |
| Pretax return on assets | 0.5580% | 5,017 |
| Return on Equity (ROE) | 5.2424% | 4,521 |
| Retained earnings to average equity (ytd only) | 3.3631% | 3,836 |
| Net charge-offs to loans | -0.0026% | 5,867 |
| Credit loss provision to net charge-offs | -10,500.0000% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8947% | 3,308 |
| Assets per employee ($millions) | 7.2447% | 673 |
| Cash dividends to net income (ytd only)* | 35.8491% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2392% | 6,701 |
| Loan loss allowance to noncurrent loans | 28.7263% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 4,296 |
| Noncurrent loans to loans | 0.8328% | 3,899 |
| Net loans and leases to total assets | 50.8466% | 4,980 |
| Net loans and leases to deposits | 57.4302% | 5,172 |
| Net loans and leases to core deposits | 59.3581% | 5,271 |
| Total domestic deposits to total assets | 88.5364% | 1,895 |
| Equity capital to assets | 10.3789% | 3,316 |
| Core capital (leverage) ratio | 10.7545% | 2,619 |
| Tier 1 risk-based capital ratio | 17.1351% | 2,546 |
| Total risk-based capital ratio | 17.3301% | 3,021 |
| Memoranda: | ||
| Average total assets | $85,489,800 | 5,100 |
| Average earning assets | $82,038,000 | 4,983 |
| Average equity | $9,098,800 | 5,056 |
| Average total loans | $38,786,200 | 5,400 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7403% | 6,604 |
| Cost of funding earning assets | 0.3933% | 4,876 |
| Net interest margin | 2.3470% | 6,559 |
| Noninterest income to average assets | 0.3195% | 5,135 |
| Noninterest expense to average assets | 1.9719% | 6,062 |
| Loan and lease loss provision to assets | 0.0940% | 3,197 |
| Net operating income to assets | 0.4003% | 5,243 |
| Return on assets (ROA) | 0.3978% | 5,387 |
| Pretax return on assets | 0.5028% | 5,349 |
| Return on Equity (ROE) | 3.7143% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.7143% | 4,052 |
| Net charge-offs to loans | -0.0107% | 5,902 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0305% | 2,899 |
| Assets per employee ($millions) | 6.6315% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1606% | 6,801 |
| Loan loss allowance to noncurrent loans | 36.6279% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 5,148 |
| Noncurrent loans to loans | 0.4384% | 5,103 |
| Net loans and leases to total assets | 45.4332% | 5,597 |
| Net loans and leases to deposits | 51.4881% | 5,750 |
| Net loans and leases to core deposits | 53.2376% | 5,814 |
| Total domestic deposits to total assets | 88.2403% | 1,972 |
| Equity capital to assets | 10.5034% | 3,269 |
| Core capital (leverage) ratio | 10.8179% | 2,652 |
| Tier 1 risk-based capital ratio | 18.4307% | 2,165 |
| Total risk-based capital ratio | 18.5562% | 2,554 |
| Memoranda: | ||
| Average total assets | $85,128,250 | 5,157 |
| Average earning assets | $81,691,500 | 5,036 |
| Average equity | $9,117,750 | 5,107 |
| Average total loans | $37,405,250 | 5,499 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6588% | 6,676 |
| Cost of funding earning assets | 0.4002% | 4,947 |
| Net interest margin | 2.2586% | 6,650 |
| Noninterest income to average assets | 0.3020% | 5,291 |
| Noninterest expense to average assets | 1.9323% | 6,170 |
| Loan and lease loss provision to assets | 0.0708% | 3,619 |
| Net operating income to assets | 0.3098% | 5,578 |
| Return on assets (ROA) | 0.3067% | 5,735 |
| Pretax return on assets | 0.4648% | 5,481 |
| Return on Equity (ROE) | 2.8451% | 5,682 |
| Retained earnings to average equity (ytd only) | 2.8451% | 4,504 |
| Net charge-offs to loans | -0.0109% | 5,785 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4313% | 2,720 |
| Assets per employee ($millions) | 6.0131% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0814% | 6,865 |
| Loan loss allowance to noncurrent loans | 36.3636% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 5,288 |
| Noncurrent loans to loans | 0.2237% | 5,745 |
| Net loans and leases to total assets | 46.6823% | 5,456 |
| Net loans and leases to deposits | 52.7518% | 5,624 |
| Net loans and leases to core deposits | 53.4695% | 5,797 |
| Total domestic deposits to total assets | 88.4943% | 1,916 |
| Equity capital to assets | 10.2656% | 3,581 |
| Core capital (leverage) ratio | 10.8197% | 2,537 |
| Tier 1 risk-based capital ratio | 17.2321% | 2,622 |
| Total risk-based capital ratio | 17.2926% | 3,113 |
| Memoranda: | ||
| Average total assets | $84,767,670 | 5,202 |
| Average earning assets | $81,465,000 | 5,070 |
| Average equity | $9,138,670 | 5,141 |
| Average total loans | $36,796,670 | 5,549 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5803% | 6,790 |
| Cost of funding earning assets | 0.4113% | 4,996 |
| Net interest margin | 2.1690% | 6,778 |
| Noninterest income to average assets | 0.3010% | 5,291 |
| Noninterest expense to average assets | 1.7447% | 6,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4881% | 4,739 |
| Return on assets (ROA) | 0.4703% | 4,985 |
| Pretax return on assets | 0.6160% | 4,892 |
| Return on Equity (ROE) | 4.2612% | 4,969 |
| Retained earnings to average equity (ytd only) | 4.2612% | 3,675 |
| Net charge-offs to loans | -0.0788% | 6,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4004% | 3,734 |
| Assets per employee ($millions) | 6.1500% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0192% | 6,956 |
| Loan loss allowance to noncurrent loans | 8.8608% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 5,456 |
| Noncurrent loans to loans | 0.2165% | 5,870 |
| Net loans and leases to total assets | 42.3786% | 5,816 |
| Net loans and leases to deposits | 48.2588% | 5,904 |
| Net loans and leases to core deposits | 48.9056% | 6,041 |
| Total domestic deposits to total assets | 87.8153% | 2,446 |
| Equity capital to assets | 10.9617% | 2,995 |
| Core capital (leverage) ratio | 10.9324% | 2,320 |
| Tier 1 risk-based capital ratio | 18.8698% | 2,076 |
| Total risk-based capital ratio | 18.8844% | 2,471 |
| Memoranda: | ||
| Average total assets | $85,059,500 | 5,229 |
| Average earning assets | $81,697,500 | 5,095 |
| Average equity | $9,387,000 | 5,138 |
| Average total loans | $35,529,500 | 5,640 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5560% | 6,288 |
| Cost of funding earning assets | 0.4889% | 5,295 |
| Net interest margin | 3.0671% | 5,891 |
| Noninterest income to average assets | 1.0349% | 1,447 |
| Noninterest expense to average assets | 2.4775% | 5,170 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0082% | 2,304 |
| Return on assets (ROA) | 1.0082% | 2,518 |
| Pretax return on assets | 1.5157% | 1,636 |
| Return on Equity (ROE) | 7.4418% | 3,375 |
| Retained earnings to average equity (ytd only) | -31.6964% | 6,943 |
| Net charge-offs to loans | -0.1852% | 6,929 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0419% | 5,229 |
| Assets per employee ($millions) | 6.0014% | 1,274 |
| Cash dividends to net income (ytd only)* | 525.9217% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 5,538 |
| Noncurrent loans to loans | 0.3183% | 5,688 |
| Net loans and leases to total assets | 41.1383% | 6,084 |
| Net loans and leases to deposits | 46.9562% | 6,178 |
| Net loans and leases to core deposits | 47.6029% | 6,292 |
| Total domestic deposits to total assets | 87.6099% | 2,473 |
| Equity capital to assets | 11.1118% | 2,821 |
| Core capital (leverage) ratio | 10.3795% | 2,917 |
| Tier 1 risk-based capital ratio | 19.6801% | 1,759 |
| Total risk-based capital ratio | 19.6801% | 2,090 |
| Memoranda: | ||
| Average total assets | $86,096,000 | 5,188 |
| Average earning assets | $83,041,600 | 5,044 |
| Average equity | $11,663,800 | 4,641 |
| Average total loans | $34,555,800 | 5,737 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 6,420 |
| Cost of funding earning assets | 0.5072% | 5,394 |
| Net interest margin | 3.0686% | 6,017 |
| Noninterest income to average assets | 0.3002% | 5,381 |
| Noninterest expense to average assets | 1.9242% | 6,481 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8482% | 3,224 |
| Return on assets (ROA) | 0.8482% | 3,475 |
| Pretax return on assets | 1.3377% | 2,463 |
| Return on Equity (ROE) | 5.9992% | 4,331 |
| Retained earnings to average equity (ytd only) | -0.2068% | 6,118 |
| Net charge-offs to loans | -0.2431% | 7,023 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9901% | 5,660 |
| Assets per employee ($millions) | 6.1646% | 1,146 |
| Cash dividends to net income (ytd only)* | 103.4479% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5586% | 1,132 |
| Loan loss allowance to noncurrent loans | 2,444.4444% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 5,985 |
| Noncurrent loans to loans | 0.1047% | 6,356 |
| Net loans and leases to total assets | 38.8320% | 6,361 |
| Net loans and leases to deposits | 45.6501% | 6,409 |
| Net loans and leases to core deposits | 46.2805% | 6,502 |
| Total domestic deposits to total assets | 85.0646% | 3,714 |
| Equity capital to assets | 14.2715% | 1,052 |
| Core capital (leverage) ratio | 13.4041% | 1,044 |
| Tier 1 risk-based capital ratio | 25.3936% | 873 |
| Total risk-based capital ratio | 26.6563% | 859 |
| Memoranda: | ||
| Average total assets | $86,615,250 | 5,218 |
| Average earning assets | $83,598,250 | 5,085 |
| Average equity | $12,245,750 | 4,549 |
| Average total loans | $34,553,750 | 5,811 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6305% | 6,448 |
| Cost of funding earning assets | 0.5337% | 5,410 |
| Net interest margin | 3.0968% | 6,016 |
| Noninterest income to average assets | 0.2837% | 5,543 |
| Noninterest expense to average assets | 1.8981% | 6,599 |
| Loan and lease loss provision to assets | 0.0692% | 4,764 |
| Net operating income to assets | 0.8072% | 3,365 |
| Return on assets (ROA) | 0.8072% | 3,623 |
| Pretax return on assets | 1.3008% | 2,555 |
| Return on Equity (ROE) | 5.7274% | 4,461 |
| Retained earnings to average equity (ytd only) | 0.4091% | 5,907 |
| Net charge-offs to loans | -0.1907% | 6,988 |
| Credit loss provision to net charge-offs | -90.9091% | 6,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0805% | 5,859 |
| Assets per employee ($millions) | 6.1614% | 1,130 |
| Cash dividends to net income (ytd only)* | 92.8571% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5505% | 1,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 6,025 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 38.9787% | 6,406 |
| Net loans and leases to deposits | 45.7605% | 6,455 |
| Net loans and leases to core deposits | 46.3919% | 6,555 |
| Total domestic deposits to total assets | 85.1797% | 3,778 |
| Equity capital to assets | 14.2708% | 991 |
| Core capital (leverage) ratio | 13.5129% | 977 |
| Tier 1 risk-based capital ratio | 25.4038% | 861 |
| Total risk-based capital ratio | 26.6621% | 844 |
| Memoranda: | ||
| Average total assets | $86,718,670 | 5,255 |
| Average earning assets | $83,570,000 | 5,116 |
| Average equity | $12,222,000 | 4,557 |
| Average total loans | $34,607,000 | 5,846 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 6,495 |
| Cost of funding earning assets | 0.5581% | 5,442 |
| Net interest margin | 3.1055% | 6,020 |
| Noninterest income to average assets | 0.3680% | 4,931 |
| Noninterest expense to average assets | 1.8540% | 6,730 |
| Loan and lease loss provision to assets | 0.1380% | 3,628 |
| Net operating income to assets | 0.8695% | 3,056 |
| Return on assets (ROA) | 0.8695% | 3,285 |
| Pretax return on assets | 1.3709% | 2,283 |
| Return on Equity (ROE) | 6.2079% | 4,185 |
| Retained earnings to average equity (ytd only) | -4.4671% | 6,546 |
| Net charge-offs to loans | -0.0577% | 6,583 |
| Credit loss provision to net charge-offs | -600.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1300% | 6,213 |
| Assets per employee ($millions) | 6.2544% | 1,114 |
| Cash dividends to net income (ytd only)* | 171.9577% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4638% | 1,409 |
| Loan loss allowance to noncurrent loans | 571.8121% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 5,747 |
| Noncurrent loans to loans | 0.4309% | 5,805 |
| Net loans and leases to total assets | 38.5206% | 6,460 |
| Net loans and leases to deposits | 45.0092% | 6,491 |
| Net loans and leases to core deposits | 45.6180% | 6,592 |
| Total domestic deposits to total assets | 85.5838% | 3,746 |
| Equity capital to assets | 13.8064% | 1,085 |
| Core capital (leverage) ratio | 13.2996% | 1,026 |
| Tier 1 risk-based capital ratio | 24.9043% | 917 |
| Total risk-based capital ratio | 26.1618% | 903 |
| Memoranda: | ||
| Average total assets | $86,948,000 | 5,292 |
| Average earning assets | $83,852,500 | 5,146 |
| Average equity | $12,178,000 | 4,574 |
| Average total loans | $34,659,000 | 5,889 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9566% | 6,540 |
| Cost of funding earning assets | 0.7161% | 5,426 |
| Net interest margin | 3.2405% | 5,981 |
| Noninterest income to average assets | 0.3631% | 4,909 |
| Noninterest expense to average assets | 2.1114% | 6,471 |
| Loan and lease loss provision to assets | 0.1102% | 5,212 |
| Net operating income to assets | 0.9705% | 2,321 |
| Return on assets (ROA) | 0.9872% | 2,390 |
| Pretax return on assets | 1.2923% | 2,160 |
| Return on Equity (ROE) | 7.3380% | 3,228 |
| Retained earnings to average equity (ytd only) | 5.3979% | 2,376 |
| Net charge-offs to loans | 0.1165% | 5,214 |
| Credit loss provision to net charge-offs | 226.1905% | 1,073 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 879 |
| Efficiency ratio | 60.4651% | 5,674 |
| Assets per employee ($millions) | 6.1668% | 1,122 |
| Cash dividends to net income (ytd only)* | 26.4395% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3520% | 1,540 |
| Loan loss allowance to noncurrent loans | 81,700.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 6,260 |
| Noncurrent loans to loans | 0.0029% | 6,868 |
| Net loans and leases to total assets | 39.2888% | 6,584 |
| Net loans and leases to deposits | 46.0625% | 6,625 |
| Net loans and leases to core deposits | 46.6967% | 6,705 |
| Total domestic deposits to total assets | 85.2945% | 3,693 |
| Equity capital to assets | 14.2086% | 999 |
| Core capital (leverage) ratio | 13.4209% | 997 |
| Tier 1 risk-based capital ratio | 25.2155% | 849 |
| Total risk-based capital ratio | 26.4716% | 829 |
| Memoranda: | ||
| Average total assets | $86,200,400 | 5,286 |
| Average earning assets | $83,229,000 | 5,132 |
| Average equity | $11,597,200 | 4,638 |
| Average total loans | $36,041,800 | 5,867 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 6,596 |
| Cost of funding earning assets | 0.7462% | 5,488 |
| Net interest margin | 3.2491% | 6,017 |
| Noninterest income to average assets | 0.3265% | 5,252 |
| Noninterest expense to average assets | 2.0286% | 6,637 |
| Loan and lease loss provision to assets | 0.1470% | 4,610 |
| Net operating income to assets | 0.7734% | 3,288 |
| Return on assets (ROA) | 0.7922% | 3,368 |
| Pretax return on assets | 1.3199% | 2,220 |
| Return on Equity (ROE) | 5.9726% | 4,033 |
| Retained earnings to average equity (ytd only) | 3.3479% | 4,342 |
| Net charge-offs to loans | 0.2933% | 3,623 |
| Credit loss provision to net charge-offs | 118.7500% | 2,745 |
| Earnings coverage of net charge-offs (x) | 11.6130% | 1,794 |
| Efficiency ratio | 58.5268% | 5,932 |
| Assets per employee ($millions) | 6.1699% | 1,106 |
| Cash dividends to net income (ytd only)* | 43.9449% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1759% | 1,908 |
| Loan loss allowance to noncurrent loans | 540.9722% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 5,977 |
| Noncurrent loans to loans | 0.4022% | 6,046 |
| Net loans and leases to total assets | 40.5462% | 6,594 |
| Net loans and leases to deposits | 47.4547% | 6,654 |
| Net loans and leases to core deposits | 48.1065% | 6,754 |
| Total domestic deposits to total assets | 85.4419% | 3,530 |
| Equity capital to assets | 13.8276% | 1,235 |
| Core capital (leverage) ratio | 13.1466% | 1,174 |
| Tier 1 risk-based capital ratio | 24.1050% | 999 |
| Total risk-based capital ratio | 25.3462% | 986 |
| Memoranda: | ||
| Average total assets | $86,166,750 | 5,325 |
| Average earning assets | $83,262,500 | 5,177 |
| Average equity | $11,429,750 | 4,712 |
| Average total loans | $36,368,000 | 5,900 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9965% | 6,668 |
| Cost of funding earning assets | 0.7815% | 5,503 |
| Net interest margin | 3.2150% | 6,117 |
| Noninterest income to average assets | 0.2904% | 5,552 |
| Noninterest expense to average assets | 2.0396% | 6,714 |
| Loan and lease loss provision to assets | 0.1510% | 4,421 |
| Net operating income to assets | 0.6858% | 3,626 |
| Return on assets (ROA) | 0.6992% | 3,665 |
| Pretax return on assets | 1.2265% | 2,384 |
| Return on Equity (ROE) | 5.3472% | 4,284 |
| Retained earnings to average equity (ytd only) | 1.3501% | 5,314 |
| Net charge-offs to loans | 0.4267% | 2,858 |
| Credit loss provision to net charge-offs | 83.3333% | 3,669 |
| Earnings coverage of net charge-offs (x) | 7.4872% | 2,216 |
| Efficiency ratio | 60.0547% | 5,862 |
| Assets per employee ($millions) | 6.0829% | 1,141 |
| Cash dividends to net income (ytd only)* | 74.7508% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 2,204 |
| Loan loss allowance to noncurrent loans | 1,001.3333% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 6,206 |
| Noncurrent loans to loans | 0.2058% | 6,498 |
| Net loans and leases to total assets | 41.9023% | 6,598 |
| Net loans and leases to deposits | 48.8207% | 6,676 |
| Net loans and leases to core deposits | 49.4979% | 6,782 |
| Total domestic deposits to total assets | 85.8290% | 3,424 |
| Equity capital to assets | 13.5968% | 1,247 |
| Core capital (leverage) ratio | 12.9015% | 1,199 |
| Tier 1 risk-based capital ratio | 23.6938% | 1,034 |
| Total risk-based capital ratio | 24.9479% | 1,024 |
| Memoranda: | ||
| Average total assets | $86,096,330 | 5,370 |
| Average earning assets | $83,173,670 | 5,226 |
| Average equity | $11,258,330 | 4,749 |
| Average total loans | $36,556,670 | 5,951 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 6,690 |
| Cost of funding earning assets | 0.8177% | 5,479 |
| Net interest margin | 3.1895% | 6,102 |
| Noninterest income to average assets | 0.3327% | 5,240 |
| Noninterest expense to average assets | 2.0101% | 6,818 |
| Loan and lease loss provision to assets | 0.2079% | 3,562 |
| Net operating income to assets | 0.6600% | 3,704 |
| Return on assets (ROA) | 0.6423% | 3,866 |
| Pretax return on assets | 1.1691% | 2,486 |
| Return on Equity (ROE) | 5.0099% | 4,401 |
| Retained earnings to average equity (ytd only) | -3.0997% | 6,316 |
| Net charge-offs to loans | 0.9176% | 1,450 |
| Credit loss provision to net charge-offs | 53.5714% | 3,677 |
| Earnings coverage of net charge-offs (x) | 3.6190% | 2,689 |
| Efficiency ratio | 58.8633% | 6,146 |
| Assets per employee ($millions) | 6.1942% | 1,074 |
| Cash dividends to net income (ytd only)* | 161.8705% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0199% | 2,358 |
| Loan loss allowance to noncurrent loans | 779.5699% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 6,043 |
| Noncurrent loans to loans | 0.2591% | 6,469 |
| Net loans and leases to total assets | 40.5528% | 6,739 |
| Net loans and leases to deposits | 46.7211% | 6,808 |
| Net loans and leases to core deposits | 47.3502% | 6,907 |
| Total domestic deposits to total assets | 86.7976% | 3,060 |
| Equity capital to assets | 12.7700% | 1,486 |
| Core capital (leverage) ratio | 12.6579% | 1,264 |
| Tier 1 risk-based capital ratio | 23.1480% | 1,062 |
| Total risk-based capital ratio | 24.4001% | 1,051 |
| Memoranda: | ||
| Average total assets | $86,564,500 | 5,391 |
| Average earning assets | $83,650,000 | 5,245 |
| Average equity | $11,098,000 | 4,776 |
| Average total loans | $36,617,500 | 6,004 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 6,221 |
| Cost of funding earning assets | 1.1194% | 5,027 |
| Net interest margin | 3.4397% | 5,477 |
| Noninterest income to average assets | 0.4689% | 4,386 |
| Noninterest expense to average assets | 2.0010% | 7,022 |
| Loan and lease loss provision to assets | 0.2351% | 4,931 |
| Net operating income to assets | 0.9123% | 2,338 |
| Return on assets (ROA) | 0.9185% | 2,448 |
| Pretax return on assets | 1.5538% | 1,234 |
| Return on Equity (ROE) | 6.6443% | 3,282 |
| Retained earnings to average equity (ytd only) | 0.3226% | 5,418 |
| Net charge-offs to loans | 0.3194% | 4,423 |
| Credit loss provision to net charge-offs | 153.5433% | 2,316 |
| Earnings coverage of net charge-offs (x) | 11.6220% | 1,588 |
| Efficiency ratio | 52.9337% | 6,901 |
| Assets per employee ($millions) | 6.1721% | 1,099 |
| Cash dividends to net income (ytd only)* | 95.1444% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0459% | 2,187 |
| Loan loss allowance to noncurrent loans | 154.6559% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5717% | 5,886 |
| Noncurrent loans to loans | 1.3229% | 4,510 |
| Net loans and leases to total assets | 42.3319% | 6,830 |
| Net loans and leases to deposits | 48.7648% | 6,911 |
| Net loans and leases to core deposits | 49.4237% | 7,004 |
| Total domestic deposits to total assets | 86.8082% | 2,925 |
| Equity capital to assets | 12.8712% | 1,451 |
| Core capital (leverage) ratio | 12.5200% | 1,307 |
| Tier 1 risk-based capital ratio | 23.0421% | 1,031 |
| Total risk-based capital ratio | 24.2997% | 1,013 |
| Memoranda: | ||
| Average total assets | $82,960,200 | 5,499 |
| Average earning assets | $79,861,600 | 5,352 |
| Average equity | $11,468,400 | 4,742 |
| Average total loans | $39,760,600 | 5,930 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6752% | 6,107 |
| Cost of funding earning assets | 1.1777% | 4,992 |
| Net interest margin | 3.4975% | 5,301 |
| Noninterest income to average assets | 0.5181% | 4,041 |
| Noninterest expense to average assets | 1.9959% | 7,054 |
| Loan and lease loss provision to assets | 0.2111% | 4,955 |
| Net operating income to assets | 1.1732% | 1,663 |
| Return on assets (ROA) | 1.1823% | 1,733 |
| Pretax return on assets | 1.6857% | 1,145 |
| Return on Equity (ROE) | 8.4002% | 2,741 |
| Retained earnings to average equity (ytd only) | 5.5155% | 2,639 |
| Net charge-offs to loans | 0.0463% | 6,068 |
| Credit loss provision to net charge-offs | 928.5714% | 311 |
| Earnings coverage of net charge-offs (x) | 82.8404% | 370 |
| Efficiency ratio | 51.4441% | 7,035 |
| Assets per employee ($millions) | 6.3119% | 1,066 |
| Cash dividends to net income (ytd only)* | 34.3413% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1041% | 1,990 |
| Loan loss allowance to noncurrent loans | 161.1111% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 5,678 |
| Noncurrent loans to loans | 1.3060% | 4,682 |
| Net loans and leases to total assets | 42.7524% | 6,923 |
| Net loans and leases to deposits | 49.8272% | 7,013 |
| Net loans and leases to core deposits | 50.4932% | 7,106 |
| Total domestic deposits to total assets | 85.8013% | 3,188 |
| Equity capital to assets | 13.5322% | 1,334 |
| Core capital (leverage) ratio | 13.5581% | 1,041 |
| Tier 1 risk-based capital ratio | 23.6871% | 984 |
| Total risk-based capital ratio | 24.9403% | 960 |
| Memoranda: | ||
| Average total assets | $82,097,750 | 5,593 |
| Average earning assets | $78,911,000 | 5,443 |
| Average equity | $11,555,000 | 4,795 |
| Average total loans | $40,365,000 | 5,989 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8542% | 5,595 |
| Cost of funding earning assets | 1.2546% | 4,796 |
| Net interest margin | 3.5995% | 4,811 |
| Noninterest income to average assets | 0.4700% | 4,358 |
| Noninterest expense to average assets | 2.0598% | 6,999 |
| Loan and lease loss provision to assets | 0.2125% | 4,761 |
| Net operating income to assets | 1.1424% | 1,717 |
| Return on assets (ROA) | 1.1424% | 1,783 |
| Pretax return on assets | 1.6473% | 1,174 |
| Return on Equity (ROE) | 8.0030% | 2,885 |
| Retained earnings to average equity (ytd only) | 3.6250% | 3,792 |
| Net charge-offs to loans | 0.0732% | 5,410 |
| Credit loss provision to net charge-offs | 566.6667% | 655 |
| Earnings coverage of net charge-offs (x) | 49.6000% | 596 |
| Efficiency ratio | 52.5510% | 7,023 |
| Assets per employee ($millions) | 5.6711% | 1,468 |
| Cash dividends to net income (ytd only)* | 54.7046% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8784% | 2,478 |
| Loan loss allowance to noncurrent loans | 133.9161% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.8829% | 5,355 |
| Noncurrent loans to loans | 1.4027% | 4,598 |
| Net loans and leases to total assets | 50.3974% | 6,388 |
| Net loans and leases to deposits | 59.3947% | 6,470 |
| Net loans and leases to core deposits | 60.2896% | 6,696 |
| Total domestic deposits to total assets | 84.8517% | 3,706 |
| Equity capital to assets | 14.6004% | 979 |
| Core capital (leverage) ratio | 14.0411% | 919 |
| Tier 1 risk-based capital ratio | 23.4796% | 997 |
| Total risk-based capital ratio | 24.7331% | 976 |
| Memoranda: | ||
| Average total assets | $80,008,000 | 5,698 |
| Average earning assets | $76,676,330 | 5,558 |
| Average equity | $11,420,670 | 4,823 |
| Average total loans | $40,956,330 | 6,013 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9142% | 5,392 |
| Cost of funding earning assets | 1.3146% | 4,727 |
| Net interest margin | 3.5996% | 4,731 |
| Noninterest income to average assets | 0.4383% | 4,571 |
| Noninterest expense to average assets | 2.0221% | 7,122 |
| Loan and lease loss provision to assets | 0.2241% | 4,250 |
| Net operating income to assets | 1.1604% | 1,648 |
| Return on assets (ROA) | 1.1604% | 1,725 |
| Pretax return on assets | 1.6286% | 1,199 |
| Return on Equity (ROE) | 8.2223% | 2,771 |
| Retained earnings to average equity (ytd only) | -0.5999% | 5,972 |
| Net charge-offs to loans | -0.0097% | 6,886 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1851% | 7,133 |
| Assets per employee ($millions) | 5.7795% | 1,421 |
| Cash dividends to net income (ytd only)* | 107.2961% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8118% | 2,699 |
| Loan loss allowance to noncurrent loans | 488.1579% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 6,606 |
| Noncurrent loans to loans | 0.3712% | 6,553 |
| Net loans and leases to total assets | 49.6966% | 6,499 |
| Net loans and leases to deposits | 58.1596% | 6,611 |
| Net loans and leases to core deposits | 59.0132% | 6,814 |
| Total domestic deposits to total assets | 85.4486% | 3,442 |
| Equity capital to assets | 13.9594% | 1,153 |
| Core capital (leverage) ratio | 13.7734% | 1,012 |
| Tier 1 risk-based capital ratio | 22.7987% | 1,108 |
| Total risk-based capital ratio | 24.0512% | 1,077 |
| Memoranda: | ||
| Average total assets | $80,314,500 | 5,761 |
| Average earning assets | $76,675,000 | 5,617 |
| Average equity | $11,335,000 | 4,889 |
| Average total loans | $41,045,000 | 6,072 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3061% | 5,147 |
| Cost of funding earning assets | 1.7093% | 4,452 |
| Net interest margin | 3.5969% | 4,561 |
| Noninterest income to average assets | 0.4930% | 4,470 |
| Noninterest expense to average assets | 2.1608% | 7,070 |
| Loan and lease loss provision to assets | 0.1482% | 6,179 |
| Net operating income to assets | 1.0555% | 1,646 |
| Return on assets (ROA) | 1.0555% | 1,688 |
| Pretax return on assets | 1.6219% | 920 |
| Return on Equity (ROE) | 7.2413% | 2,696 |
| Retained earnings to average equity (ytd only) | 4.9025% | 1,869 |
| Net charge-offs to loans | 0.2390% | 5,124 |
| Credit loss provision to net charge-offs | 114.1414% | 4,801 |
| Earnings coverage of net charge-offs (x) | 13.6364% | 1,415 |
| Efficiency ratio | 54.9700% | 7,134 |
| Assets per employee ($millions) | 5.6940% | 1,477 |
| Cash dividends to net income (ytd only)* | 32.2981% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 2,917 |
| Loan loss allowance to noncurrent loans | 358.7629% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 6,441 |
| Noncurrent loans to loans | 0.4716% | 6,311 |
| Net loans and leases to total assets | 50.7313% | 6,556 |
| Net loans and leases to deposits | 59.5781% | 6,664 |
| Net loans and leases to core deposits | 65.2516% | 7,018 |
| Total domestic deposits to total assets | 85.1510% | 3,485 |
| Equity capital to assets | 14.2694% | 1,091 |
| Core capital (leverage) ratio | 14.0210% | 974 |
| Tier 1 risk-based capital ratio | 22.9262% | 1,049 |
| Total risk-based capital ratio | 24.1712% | 1,025 |
| Memoranda: | ||
| Average total assets | $76,269,200 | 5,834 |
| Average earning assets | $72,896,600 | 5,724 |
| Average equity | $11,116,800 | 4,988 |
| Average total loans | $41,427,400 | 6,040 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3554% | 5,149 |
| Cost of funding earning assets | 1.7735% | 4,508 |
| Net interest margin | 3.5820% | 4,551 |
| Noninterest income to average assets | 0.4774% | 4,695 |
| Noninterest expense to average assets | 2.1430% | 7,109 |
| Loan and lease loss provision to assets | 0.0849% | 6,515 |
| Net operating income to assets | 1.1687% | 1,544 |
| Return on assets (ROA) | 1.1687% | 1,601 |
| Pretax return on assets | 1.6815% | 1,008 |
| Return on Equity (ROE) | 7.9740% | 2,650 |
| Retained earnings to average equity (ytd only) | 4.8375% | 2,588 |
| Net charge-offs to loans | 0.1799% | 4,946 |
| Credit loss provision to net charge-offs | 85.7143% | 5,601 |
| Earnings coverage of net charge-offs (x) | 17.8405% | 1,382 |
| Efficiency ratio | 54.8168% | 7,141 |
| Assets per employee ($millions) | 5.4876% | 1,627 |
| Cash dividends to net income (ytd only)* | 39.3346% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6264% | 2,887 |
| Loan loss allowance to noncurrent loans | 228.4746% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4634% | 6,306 |
| Noncurrent loans to loans | 0.7119% | 5,880 |
| Net loans and leases to total assets | 53.0628% | 6,490 |
| Net loans and leases to deposits | 62.8950% | 6,596 |
| Net loans and leases to core deposits | 68.6724% | 7,034 |
| Total domestic deposits to total assets | 84.3673% | 3,544 |
| Equity capital to assets | 14.7567% | 1,074 |
| Core capital (leverage) ratio | 14.0933% | 1,070 |
| Tier 1 risk-based capital ratio | 23.1732% | 1,087 |
| Total risk-based capital ratio | 24.4248% | 1,061 |
| Memoranda: | ||
| Average total assets | $75,407,500 | 5,894 |
| Average earning assets | $72,248,750 | 5,777 |
| Average equity | $11,052,250 | 5,060 |
| Average total loans | $41,500,000 | 6,086 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3735% | 5,288 |
| Cost of funding earning assets | 1.8209% | 4,661 |
| Net interest margin | 3.5526% | 4,559 |
| Noninterest income to average assets | 0.5178% | 4,288 |
| Noninterest expense to average assets | 2.1539% | 7,163 |
| Loan and lease loss provision to assets | 0.0801% | 6,387 |
| Net operating income to assets | 1.1877% | 1,509 |
| Return on assets (ROA) | 1.1877% | 1,594 |
| Pretax return on assets | 1.6895% | 1,036 |
| Return on Equity (ROE) | 8.1224% | 2,719 |
| Retained earnings to average equity (ytd only) | 3.3767% | 3,442 |
| Net charge-offs to loans | 0.0482% | 5,803 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 66.3000% | 552 |
| Efficiency ratio | 54.8980% | 7,240 |
| Assets per employee ($millions) | 5.3801% | 1,691 |
| Cash dividends to net income (ytd only)* | 58.4270% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6864% | 2,393 |
| Loan loss allowance to noncurrent loans | 8,775.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 7,185 |
| Noncurrent loans to loans | 0.0192% | 7,500 |
| Net loans and leases to total assets | 54.3354% | 6,406 |
| Net loans and leases to deposits | 64.1544% | 6,548 |
| Net loans and leases to core deposits | 69.8945% | 7,020 |
| Total domestic deposits to total assets | 84.6948% | 3,397 |
| Equity capital to assets | 14.5922% | 1,143 |
| Core capital (leverage) ratio | 13.9875% | 1,143 |
| Tier 1 risk-based capital ratio | 22.8656% | 1,154 |
| Total risk-based capital ratio | 24.1171% | 1,121 |
| Memoranda: | ||
| Average total assets | $74,934,670 | 5,949 |
| Average earning assets | $71,834,000 | 5,831 |
| Average equity | $10,957,330 | 5,100 |
| Average total loans | $41,520,000 | 6,133 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3309% | 5,748 |
| Cost of funding earning assets | 1.8658% | 4,805 |
| Net interest margin | 3.4651% | 4,873 |
| Noninterest income to average assets | 0.4924% | 4,391 |
| Noninterest expense to average assets | 2.0390% | 7,253 |
| Loan and lease loss provision to assets | 0.0803% | 5,947 |
| Net operating income to assets | 1.2470% | 1,516 |
| Return on assets (ROA) | 1.2470% | 1,625 |
| Pretax return on assets | 1.7126% | 1,151 |
| Return on Equity (ROE) | 8.5188% | 2,921 |
| Retained earnings to average equity (ytd only) | 3.7658% | 3,804 |
| Net charge-offs to loans | -0.0193% | 7,428 |
| Credit loss provision to net charge-offs | -750.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2123% | 7,295 |
| Assets per employee ($millions) | 5.3959% | 1,648 |
| Cash dividends to net income (ytd only)* | 55.7940% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 2,160 |
| Loan loss allowance to noncurrent loans | 7,766.6667% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 7,023 |
| Noncurrent loans to loans | 0.0218% | 7,492 |
| Net loans and leases to total assets | 53.6092% | 6,517 |
| Net loans and leases to deposits | 63.3345% | 6,622 |
| Net loans and leases to core deposits | 68.9328% | 7,084 |
| Total domestic deposits to total assets | 84.6445% | 3,394 |
| Equity capital to assets | 14.5401% | 1,221 |
| Core capital (leverage) ratio | 14.1004% | 1,166 |
| Tier 1 risk-based capital ratio | 23.0625% | 1,188 |
| Total risk-based capital ratio | 24.3149% | 1,157 |
| Memoranda: | ||
| Average total assets | $74,741,500 | 5,983 |
| Average earning assets | $72,032,500 | 5,844 |
| Average equity | $10,940,500 | 5,126 |
| Average total loans | $41,466,000 | 6,165 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7155% | 6,727 |
| Cost of funding earning assets | 2.3301% | 5,010 |
| Net interest margin | 3.3853% | 5,721 |
| Noninterest income to average assets | 0.5035% | 4,599 |
| Noninterest expense to average assets | 2.0888% | 7,261 |
| Loan and lease loss provision to assets | 0.0832% | 6,349 |
| Net operating income to assets | 1.0721% | 2,246 |
| Return on assets (ROA) | 1.0721% | 2,166 |
| Pretax return on assets | 1.6019% | 1,375 |
| Return on Equity (ROE) | 7.5388% | 3,266 |
| Retained earnings to average equity (ytd only) | 6.5635% | 1,315 |
| Net charge-offs to loans | 0.0741% | 5,703 |
| Credit loss provision to net charge-offs | 193.5484% | 2,528 |
| Earnings coverage of net charge-offs (x) | 39.1935% | 954 |
| Efficiency ratio | 55.3473% | 7,104 |
| Assets per employee ($millions) | 5.2814% | 1,657 |
| Cash dividends to net income (ytd only)* | 12.9366% | 4,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6341% | 2,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 6,899 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 55.5220% | 6,484 |
| Net loans and leases to deposits | 65.7227% | 6,662 |
| Net loans and leases to core deposits | 71.5471% | 7,104 |
| Total domestic deposits to total assets | 84.4793% | 3,086 |
| Equity capital to assets | 14.7376% | 1,236 |
| Core capital (leverage) ratio | 14.3923% | 1,165 |
| Tier 1 risk-based capital ratio | 22.8817% | 1,211 |
| Total risk-based capital ratio | 24.1344% | 1,181 |
| Memoranda: | ||
| Average total assets | $72,100,400 | 5,962 |
| Average earning assets | $69,653,200 | 5,833 |
| Average equity | $10,253,600 | 5,328 |
| Average total loans | $41,858,400 | 6,081 |