Home > State Bank of Speer > Performance and Condition Ratios
State Bank of Speer, 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 | 3.3251% | 5,053 |
| Cost of funding earning assets | 0.5895% | 1,678 |
| Net interest margin | 2.7356% | 5,241 |
| Noninterest income to average assets | 0.3104% | 4,238 |
| Noninterest expense to average assets | 1.9258% | 5,083 |
| Loan and lease loss provision to assets | 0.6675% | 185 |
| Net operating income to assets | 0.2616% | 5,000 |
| Return on assets (ROA) | 0.2670% | 5,009 |
| Pretax return on assets | 0.3021% | 5,211 |
| Return on Equity (ROE) | 2.9042% | 4,855 |
| Retained earnings to average equity (ytd only) | -1.3069% | 5,212 |
| Net charge-offs to loans | 2.4673% | 56 |
| Credit loss provision to net charge-offs | 55.4529% | 3,270 |
| Earnings coverage of net charge-offs (x) | 0.8004% | 3,964 |
| Efficiency ratio | 65.9222% | 3,285 |
| Assets per employee ($millions) | 6.7644% | 1,075 |
| Cash dividends to net income (ytd only)* | 145.0000% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 4,025 |
| Loan loss allowance to noncurrent loans | 1,373.8462% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 3,688 |
| Noncurrent loans to loans | 0.0717% | 4,678 |
| Net loans and leases to total assets | 49.1250% | 4,697 |
| Net loans and leases to deposits | 61.9013% | 4,459 |
| Net loans and leases to core deposits | 64.7296% | 4,485 |
| Total domestic deposits to total assets | 79.3603% | 4,467 |
| Equity capital to assets | 8.8032% | 4,898 |
| Core capital (leverage) ratio | 9.1490% | 4,460 |
| Tier 1 risk-based capital ratio | 14.4175% | 3,128 |
| Total risk-based capital ratio | 15.1984% | 3,298 |
| Memoranda: | ||
| Average total assets | $179,766,000 | 3,118 |
| Average earning assets | $169,468,000 | 3,086 |
| Average equity | $16,527,600 | 3,535 |
| Average total loans | $87,706,400 | 3,571 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3000% | 5,114 |
| Cost of funding earning assets | 0.5842% | 1,648 |
| Net interest margin | 2.7158% | 5,307 |
| Noninterest income to average assets | 0.3075% | 4,330 |
| Noninterest expense to average assets | 1.9547% | 5,036 |
| Loan and lease loss provision to assets | 0.6702% | 166 |
| Net operating income to assets | 0.2075% | 5,346 |
| Return on assets (ROA) | 0.2145% | 5,353 |
| Pretax return on assets | 0.2524% | 5,337 |
| Return on Equity (ROE) | 2.3076% | 5,258 |
| Retained earnings to average equity (ytd only) | -1.8590% | 5,420 |
| Net charge-offs to loans | 0.3020% | 695 |
| Credit loss provision to net charge-offs | 456.8528% | 696 |
| Earnings coverage of net charge-offs (x) | 6.2335% | 3,008 |
| Efficiency ratio | 67.4020% | 2,981 |
| Assets per employee ($millions) | 6.8827% | 994 |
| Cash dividends to net income (ytd only)* | 180.5568% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9295% | 164 |
| Loan loss allowance to noncurrent loans | 9,142.8571% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 3,932 |
| Noncurrent loans to loans | 0.0320% | 4,982 |
| Net loans and leases to total assets | 47.4035% | 4,862 |
| Net loans and leases to deposits | 58.5574% | 4,716 |
| Net loans and leases to core deposits | 61.2379% | 4,755 |
| Total domestic deposits to total assets | 80.9521% | 4,056 |
| Equity capital to assets | 9.3926% | 4,553 |
| Core capital (leverage) ratio | 9.1535% | 4,561 |
| Tier 1 risk-based capital ratio | 14.7097% | 3,061 |
| Total risk-based capital ratio | 15.9727% | 2,984 |
| Memoranda: | ||
| Average total assets | $179,048,000 | 3,153 |
| Average earning assets | $168,882,000 | 3,112 |
| Average equity | $16,640,000 | 3,551 |
| Average total loans | $86,979,500 | 3,619 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2833% | 5,130 |
| Cost of funding earning assets | 0.5701% | 1,650 |
| Net interest margin | 2.7131% | 5,349 |
| Noninterest income to average assets | 0.3228% | 4,245 |
| Noninterest expense to average assets | 1.9332% | 5,115 |
| Loan and lease loss provision to assets | 0.6701% | 168 |
| Net operating income to assets | 0.2341% | 5,346 |
| Return on assets (ROA) | 0.2446% | 5,348 |
| Pretax return on assets | 0.2881% | 5,349 |
| Return on Equity (ROE) | 2.6411% | 5,207 |
| Retained earnings to average equity (ytd only) | -1.5798% | 5,305 |
| Net charge-offs to loans | 0.4422% | 454 |
| Credit loss provision to net charge-offs | 312.5000% | 934 |
| Earnings coverage of net charge-offs (x) | 4.4115% | 2,934 |
| Efficiency ratio | 66.4081% | 3,284 |
| Assets per employee ($millions) | 6.3579% | 1,224 |
| Cash dividends to net income (ytd only)* | 159.8174% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6368% | 241 |
| Loan loss allowance to noncurrent loans | 1,617.8571% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 3,459 |
| Noncurrent loans to loans | 0.1630% | 4,466 |
| Net loans and leases to total assets | 46.9796% | 4,885 |
| Net loans and leases to deposits | 59.4457% | 4,671 |
| Net loans and leases to core deposits | 61.6744% | 4,733 |
| Total domestic deposits to total assets | 79.0293% | 4,616 |
| Equity capital to assets | 9.5933% | 4,320 |
| Core capital (leverage) ratio | 9.3286% | 4,329 |
| Tier 1 risk-based capital ratio | 14.6372% | 3,092 |
| Total risk-based capital ratio | 15.8966% | 3,010 |
| Memoranda: | ||
| Average total assets | $179,081,000 | 3,165 |
| Average earning assets | $168,734,670 | 3,126 |
| Average equity | $16,584,000 | 3,570 |
| Average total loans | $86,843,330 | 3,634 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2448% | 5,185 |
| Cost of funding earning assets | 0.5506% | 1,709 |
| Net interest margin | 2.6941% | 5,400 |
| Noninterest income to average assets | 0.3385% | 4,141 |
| Noninterest expense to average assets | 1.9375% | 5,170 |
| Loan and lease loss provision to assets | 0.6681% | 150 |
| Net operating income to assets | 0.2370% | 5,336 |
| Return on assets (ROA) | 0.2583% | 5,309 |
| Pretax return on assets | 0.2962% | 5,314 |
| Return on Equity (ROE) | 2.8402% | 5,138 |
| Retained earnings to average equity (ytd only) | 0.7590% | 4,729 |
| Net charge-offs to loans | 0.1099% | 1,292 |
| Credit loss provision to net charge-offs | 1,250.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 17.5833% | 1,597 |
| Efficiency ratio | 66.5635% | 3,401 |
| Assets per employee ($millions) | 6.3342% | 1,274 |
| Cash dividends to net income (ytd only)* | 73.2759% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4698% | 321 |
| Loan loss allowance to noncurrent loans | 338.5714% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 3,044 |
| Noncurrent loans to loans | 0.7295% | 2,673 |
| Net loans and leases to total assets | 47.4912% | 4,858 |
| Net loans and leases to deposits | 59.0310% | 4,629 |
| Net loans and leases to core deposits | 61.1330% | 4,712 |
| Total domestic deposits to total assets | 80.4513% | 4,535 |
| Equity capital to assets | 9.3078% | 4,502 |
| Core capital (leverage) ratio | 9.4246% | 4,206 |
| Tier 1 risk-based capital ratio | 14.1923% | 3,367 |
| Total risk-based capital ratio | 15.4488% | 3,283 |
| Memoranda: | ||
| Average total assets | $179,611,500 | 3,190 |
| Average earning assets | $169,258,000 | 3,139 |
| Average equity | $16,337,000 | 3,621 |
| Average total loans | $87,316,000 | 3,663 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2476% | 5,240 |
| Cost of funding earning assets | 0.5295% | 1,871 |
| Net interest margin | 2.7181% | 5,399 |
| Noninterest income to average assets | 0.3328% | 4,352 |
| Noninterest expense to average assets | 1.9331% | 5,316 |
| Loan and lease loss provision to assets | 0.5750% | 228 |
| Net operating income to assets | 0.3471% | 5,087 |
| Return on assets (ROA) | 0.3809% | 5,085 |
| Pretax return on assets | 0.3809% | 5,254 |
| Return on Equity (ROE) | 3.8986% | 4,870 |
| Retained earnings to average equity (ytd only) | -0.0056% | 5,308 |
| Net charge-offs to loans | 0.2742% | 1,007 |
| Credit loss provision to net charge-offs | 449.5726% | 716 |
| Earnings coverage of net charge-offs (x) | 7.2094% | 3,052 |
| Efficiency ratio | 66.9793% | 3,444 |
| Assets per employee ($millions) | 6.7358% | 1,036 |
| Cash dividends to net income (ytd only)* | 100.1435% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1038% | 547 |
| Loan loss allowance to noncurrent loans | 288.8025% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5405% | 3,116 |
| Noncurrent loans to loans | 0.7284% | 2,710 |
| Net loans and leases to total assets | 47.5147% | 4,928 |
| Net loans and leases to deposits | 61.4501% | 4,580 |
| Net loans and leases to core deposits | 63.4224% | 4,668 |
| Total domestic deposits to total assets | 77.3223% | 5,076 |
| Equity capital to assets | 8.8890% | 4,924 |
| Core capital (leverage) ratio | 9.1699% | 4,522 |
| Tier 1 risk-based capital ratio | 15.6766% | 2,679 |
| Total risk-based capital ratio | 16.9330% | 2,603 |
| Memoranda: | ||
| Average total assets | $182,967,200 | 3,136 |
| Average earning assets | $169,786,200 | 3,115 |
| Average equity | $17,878,400 | 3,423 |
| Average total loans | $85,339,800 | 3,677 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2540% | 5,271 |
| Cost of funding earning assets | 0.5267% | 1,895 |
| Net interest margin | 2.7272% | 5,455 |
| Noninterest income to average assets | 0.3296% | 4,429 |
| Noninterest expense to average assets | 1.8823% | 5,412 |
| Loan and lease loss provision to assets | 0.4380% | 307 |
| Net operating income to assets | 0.5333% | 4,562 |
| Return on assets (ROA) | 0.5530% | 4,592 |
| Pretax return on assets | 0.5530% | 4,996 |
| Return on Equity (ROE) | 5.5352% | 4,300 |
| Retained earnings to average equity (ytd only) | 1.5586% | 4,888 |
| Net charge-offs to loans | 0.3656% | 614 |
| Credit loss provision to net charge-offs | 259.4828% | 1,168 |
| Earnings coverage of net charge-offs (x) | 5.7542% | 3,085 |
| Efficiency ratio | 65.2218% | 3,726 |
| Assets per employee ($millions) | 6.7599% | 977 |
| Cash dividends to net income (ytd only)* | 71.8418% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 1,380 |
| Loan loss allowance to noncurrent loans | 218.1115% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 3,302 |
| Noncurrent loans to loans | 0.7475% | 2,804 |
| Net loans and leases to total assets | 46.5751% | 5,055 |
| Net loans and leases to deposits | 61.0738% | 4,680 |
| Net loans and leases to core deposits | 63.0614% | 4,768 |
| Total domestic deposits to total assets | 76.2604% | 5,198 |
| Equity capital to assets | 10.1957% | 3,922 |
| Core capital (leverage) ratio | 9.3473% | 4,395 |
| Tier 1 risk-based capital ratio | 15.5582% | 2,803 |
| Total risk-based capital ratio | 16.8090% | 2,740 |
| Memoranda: | ||
| Average total assets | $183,242,500 | 3,140 |
| Average earning assets | $169,593,500 | 3,129 |
| Average equity | $18,306,500 | 3,393 |
| Average total loans | $84,607,250 | 3,712 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2735% | 5,336 |
| Cost of funding earning assets | 0.5284% | 1,878 |
| Net interest margin | 2.7451% | 5,514 |
| Noninterest income to average assets | 0.3434% | 4,325 |
| Noninterest expense to average assets | 1.8530% | 5,532 |
| Loan and lease loss provision to assets | 0.4927% | 269 |
| Net operating income to assets | 0.5232% | 4,594 |
| Return on assets (ROA) | 0.5276% | 4,691 |
| Pretax return on assets | 0.5276% | 5,082 |
| Return on Equity (ROE) | 5.3170% | 4,373 |
| Retained earnings to average equity (ytd only) | 1.3732% | 4,834 |
| Net charge-offs to loans | 0.4643% | 480 |
| Credit loss provision to net charge-offs | 231.7949% | 1,169 |
| Earnings coverage of net charge-offs (x) | 4.7795% | 2,942 |
| Efficiency ratio | 63.8678% | 4,043 |
| Assets per employee ($millions) | 7.0968% | 840 |
| Cash dividends to net income (ytd only)* | 74.1736% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5352% | 1,738 |
| Loan loss allowance to noncurrent loans | 281.1280% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 4,299 |
| Noncurrent loans to loans | 0.5461% | 3,431 |
| Net loans and leases to total assets | 43.3796% | 5,264 |
| Net loans and leases to deposits | 60.2461% | 4,781 |
| Net loans and leases to core deposits | 62.2261% | 4,870 |
| Total domestic deposits to total assets | 72.0040% | 5,670 |
| Equity capital to assets | 9.7326% | 4,528 |
| Core capital (leverage) ratio | 9.4302% | 4,297 |
| Tier 1 risk-based capital ratio | 13.8219% | 3,712 |
| Total risk-based capital ratio | 14.8899% | 3,728 |
| Memoranda: | ||
| Average total assets | $183,484,000 | 3,149 |
| Average earning assets | $168,811,000 | 3,159 |
| Average equity | $18,205,670 | 3,417 |
| Average total loans | $84,004,000 | 3,743 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2896% | 5,337 |
| Cost of funding earning assets | 0.5254% | 1,906 |
| Net interest margin | 2.7642% | 5,526 |
| Noninterest income to average assets | 0.3277% | 4,385 |
| Noninterest expense to average assets | 1.8281% | 5,616 |
| Loan and lease loss provision to assets | 0.4481% | 290 |
| Net operating income to assets | 0.6554% | 3,950 |
| Return on assets (ROA) | 0.6644% | 4,031 |
| Pretax return on assets | 0.6644% | 4,640 |
| Return on Equity (ROE) | 6.6281% | 3,657 |
| Retained earnings to average equity (ytd only) | 3.4698% | 3,763 |
| Net charge-offs to loans | 0.9404% | 204 |
| Credit loss provision to net charge-offs | 102.0305% | 1,596 |
| Earnings coverage of net charge-offs (x) | 2.5127% | 2,672 |
| Efficiency ratio | 61.5970% | 4,509 |
| Assets per employee ($millions) | 6.3145% | 1,210 |
| Cash dividends to net income (ytd only)* | 47.6510% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 3,099 |
| Loan loss allowance to noncurrent loans | 262.7204% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 4,250 |
| Noncurrent loans to loans | 0.4806% | 3,740 |
| Net loans and leases to total assets | 46.1308% | 5,106 |
| Net loans and leases to deposits | 59.6030% | 4,743 |
| Net loans and leases to core deposits | 61.4584% | 4,845 |
| Total domestic deposits to total assets | 77.3967% | 5,233 |
| Equity capital to assets | 10.3232% | 3,720 |
| Core capital (leverage) ratio | 9.5392% | 4,117 |
| Tier 1 risk-based capital ratio | 16.0503% | 2,661 |
| Total risk-based capital ratio | 17.0470% | 2,716 |
| Memoranda: | ||
| Average total assets | $179,419,500 | 3,209 |
| Average earning assets | $169,019,000 | 3,166 |
| Average equity | $17,984,000 | 3,443 |
| Average total loans | $83,797,500 | 3,765 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2544% | 5,425 |
| Cost of funding earning assets | 0.4680% | 2,455 |
| Net interest margin | 2.7864% | 5,540 |
| Noninterest income to average assets | 0.3109% | 4,668 |
| Noninterest expense to average assets | 2.0974% | 5,261 |
| Loan and lease loss provision to assets | 0.1376% | 1,720 |
| Net operating income to assets | 0.7039% | 3,788 |
| Return on assets (ROA) | 0.8019% | 3,415 |
| Pretax return on assets | 0.8019% | 4,178 |
| Return on Equity (ROE) | 8.1773% | 2,852 |
| Retained earnings to average equity (ytd only) | 3.0195% | 3,904 |
| Net charge-offs to loans | 0.7242% | 332 |
| Credit loss provision to net charge-offs | 39.8724% | 3,534 |
| Earnings coverage of net charge-offs (x) | 2.4386% | 3,910 |
| Efficiency ratio | 70.6554% | 3,118 |
| Assets per employee ($millions) | 6.5012% | 1,100 |
| Cash dividends to net income (ytd only)* | 63.0748% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 3,344 |
| Loan loss allowance to noncurrent loans | 91.4613% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.7109% | 2,922 |
| Noncurrent loans to loans | 1.3366% | 1,762 |
| Net loans and leases to total assets | 46.1186% | 5,148 |
| Net loans and leases to deposits | 60.9892% | 4,704 |
| Net loans and leases to core deposits | 62.8319% | 4,810 |
| Total domestic deposits to total assets | 75.6176% | 5,491 |
| Equity capital to assets | 9.7323% | 4,258 |
| Core capital (leverage) ratio | 9.2479% | 4,548 |
| Tier 1 risk-based capital ratio | 13.6564% | 3,909 |
| Total risk-based capital ratio | 14.5081% | 4,077 |
| Memoranda: | ||
| Average total assets | $181,704,400 | 3,141 |
| Average earning assets | $171,368,800 | 3,106 |
| Average equity | $17,817,600 | 3,405 |
| Average total loans | $86,581,800 | 3,661 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2595% | 5,486 |
| Cost of funding earning assets | 0.4600% | 2,586 |
| Net interest margin | 2.7995% | 5,580 |
| Noninterest income to average assets | 0.3663% | 4,308 |
| Noninterest expense to average assets | 1.9468% | 5,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0645% | 2,154 |
| Return on assets (ROA) | 1.1856% | 1,759 |
| Pretax return on assets | 1.1856% | 2,873 |
| Return on Equity (ROE) | 12.0679% | 1,353 |
| Retained earnings to average equity (ytd only) | 6.7102% | 1,827 |
| Net charge-offs to loans | 0.0659% | 2,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 33.7221% | 1,384 |
| Efficiency ratio | 63.9444% | 4,259 |
| Assets per employee ($millions) | 6.5795% | 1,035 |
| Cash dividends to net income (ytd only)* | 44.3965% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 1,608 |
| Loan loss allowance to noncurrent loans | 103.6226% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 2,837 |
| Noncurrent loans to loans | 1.5925% | 1,559 |
| Net loans and leases to total assets | 46.0644% | 5,223 |
| Net loans and leases to deposits | 60.0730% | 4,852 |
| Net loans and leases to core deposits | 61.9803% | 4,944 |
| Total domestic deposits to total assets | 76.6807% | 5,394 |
| Equity capital to assets | 10.2338% | 3,888 |
| Core capital (leverage) ratio | 9.3792% | 4,469 |
| Tier 1 risk-based capital ratio | 14.5505% | 3,535 |
| Total risk-based capital ratio | 15.7245% | 3,497 |
| Memoranda: | ||
| Average total assets | $181,622,250 | 3,169 |
| Average earning assets | $171,595,750 | 3,125 |
| Average equity | $17,843,000 | 3,429 |
| Average total loans | $86,979,750 | 3,699 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2536% | 5,524 |
| Cost of funding earning assets | 0.4534% | 2,687 |
| Net interest margin | 2.8002% | 5,612 |
| Noninterest income to average assets | 0.3597% | 4,370 |
| Noninterest expense to average assets | 1.9776% | 5,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0287% | 2,239 |
| Return on assets (ROA) | 1.1599% | 1,815 |
| Pretax return on assets | 1.1599% | 2,939 |
| Return on Equity (ROE) | 11.9680% | 1,387 |
| Retained earnings to average equity (ytd only) | 6.1588% | 2,142 |
| Net charge-offs to loans | 0.1111% | 1,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.2041% | 1,759 |
| Efficiency ratio | 65.0909% | 4,174 |
| Assets per employee ($millions) | 6.4797% | 1,063 |
| Cash dividends to net income (ytd only)* | 48.5391% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 1,935 |
| Loan loss allowance to noncurrent loans | 104.8313% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.7882% | 3,021 |
| Noncurrent loans to loans | 1.5183% | 1,749 |
| Net loans and leases to total assets | 46.5827% | 5,208 |
| Net loans and leases to deposits | 61.0418% | 4,771 |
| Net loans and leases to core deposits | 63.0721% | 4,870 |
| Total domestic deposits to total assets | 76.3129% | 5,558 |
| Equity capital to assets | 9.7546% | 4,337 |
| Core capital (leverage) ratio | 9.1234% | 4,784 |
| Tier 1 risk-based capital ratio | 15.0403% | 3,339 |
| Total risk-based capital ratio | 16.2744% | 3,275 |
| Memoranda: | ||
| Average total assets | $182,947,330 | 3,187 |
| Average earning assets | $172,917,670 | 3,124 |
| Average equity | $17,730,670 | 3,462 |
| Average total loans | $88,238,000 | 3,682 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2469% | 5,560 |
| Cost of funding earning assets | 0.4487% | 2,778 |
| Net interest margin | 2.7982% | 5,645 |
| Noninterest income to average assets | 0.3114% | 4,699 |
| Noninterest expense to average assets | 1.6810% | 6,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2781% | 1,341 |
| Return on assets (ROA) | 1.5264% | 851 |
| Pretax return on assets | 1.5264% | 1,474 |
| Return on Equity (ROE) | 15.7999% | 596 |
| Retained earnings to average equity (ytd only) | 10.6835% | 778 |
| Net charge-offs to loans | 0.1253% | 1,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 20.9643% | 1,394 |
| Efficiency ratio | 56.8065% | 5,457 |
| Assets per employee ($millions) | 6.4345% | 1,116 |
| Cash dividends to net income (ytd only)* | 32.3823% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 2,073 |
| Loan loss allowance to noncurrent loans | 102.8148% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7954% | 3,123 |
| Noncurrent loans to loans | 1.5500% | 1,811 |
| Net loans and leases to total assets | 47.5706% | 5,076 |
| Net loans and leases to deposits | 61.5642% | 4,615 |
| Net loans and leases to core deposits | 63.5971% | 4,733 |
| Total domestic deposits to total assets | 77.2699% | 5,572 |
| Equity capital to assets | 10.0685% | 4,062 |
| Core capital (leverage) ratio | 9.0773% | 4,869 |
| Tier 1 risk-based capital ratio | 15.1756% | 3,332 |
| Total risk-based capital ratio | 16.4258% | 3,255 |
| Memoranda: | ||
| Average total assets | $183,705,000 | 3,195 |
| Average earning assets | $173,826,500 | 3,126 |
| Average equity | $17,747,000 | 3,492 |
| Average total loans | $89,415,500 | 3,658 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4348% | 5,457 |
| Cost of funding earning assets | 0.4873% | 2,807 |
| Net interest margin | 2.9475% | 5,555 |
| Noninterest income to average assets | 0.3311% | 4,745 |
| Noninterest expense to average assets | 2.0997% | 5,570 |
| Loan and lease loss provision to assets | 0.1085% | 2,349 |
| Net operating income to assets | 0.9032% | 2,854 |
| Return on assets (ROA) | 0.9171% | 2,888 |
| Pretax return on assets | 0.9171% | 3,843 |
| Return on Equity (ROE) | 10.1229% | 2,062 |
| Retained earnings to average equity (ytd only) | 5.8845% | 1,995 |
| Net charge-offs to loans | 0.1708% | 2,324 |
| Credit loss provision to net charge-offs | 133.5616% | 1,775 |
| Earnings coverage of net charge-offs (x) | 12.4521% | 2,371 |
| Efficiency ratio | 66.8038% | 4,091 |
| Assets per employee ($millions) | 6.2415% | 1,218 |
| Cash dividends to net income (ytd only)* | 41.8689% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 2,287 |
| Loan loss allowance to noncurrent loans | 140.1980% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 3,841 |
| Noncurrent loans to loans | 1.1010% | 2,626 |
| Net loans and leases to total assets | 48.2371% | 5,125 |
| Net loans and leases to deposits | 65.7148% | 4,357 |
| Net loans and leases to core deposits | 67.9039% | 4,516 |
| Total domestic deposits to total assets | 73.4037% | 5,989 |
| Equity capital to assets | 9.2681% | 4,982 |
| Core capital (leverage) ratio | 8.5780% | 5,470 |
| Tier 1 risk-based capital ratio | 14.0093% | 4,086 |
| Total risk-based capital ratio | 15.2479% | 4,027 |
| Memoranda: | ||
| Average total assets | $179,692,400 | 3,210 |
| Average earning assets | $169,498,600 | 3,163 |
| Average equity | $16,280,000 | 3,632 |
| Average total loans | $85,463,400 | 3,729 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 5,525 |
| Cost of funding earning assets | 0.5003% | 2,759 |
| Net interest margin | 2.9368% | 5,621 |
| Noninterest income to average assets | 0.3292% | 4,802 |
| Noninterest expense to average assets | 1.9602% | 5,844 |
| Loan and lease loss provision to assets | 0.1275% | 1,965 |
| Net operating income to assets | 1.0101% | 2,411 |
| Return on assets (ROA) | 1.0461% | 2,310 |
| Pretax return on assets | 1.0461% | 3,400 |
| Return on Equity (ROE) | 11.6163% | 1,587 |
| Retained earnings to average equity (ytd only) | 7.5527% | 1,558 |
| Net charge-offs to loans | 0.1955% | 1,906 |
| Credit loss provision to net charge-offs | 138.2114% | 1,698 |
| Earnings coverage of net charge-offs (x) | 12.3330% | 2,329 |
| Efficiency ratio | 63.2777% | 4,667 |
| Assets per employee ($millions) | 6.0145% | 1,331 |
| Cash dividends to net income (ytd only)* | 34.9821% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 2,060 |
| Loan loss allowance to noncurrent loans | 133.5222% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 4,086 |
| Noncurrent loans to loans | 1.2529% | 2,547 |
| Net loans and leases to total assets | 46.0607% | 5,369 |
| Net loans and leases to deposits | 58.5467% | 5,060 |
| Net loans and leases to core deposits | 60.5511% | 5,155 |
| Total domestic deposits to total assets | 78.6733% | 5,398 |
| Equity capital to assets | 9.3612% | 4,962 |
| Core capital (leverage) ratio | 8.7054% | 5,430 |
| Tier 1 risk-based capital ratio | 14.6600% | 3,779 |
| Total risk-based capital ratio | 15.9109% | 3,724 |
| Memoranda: | ||
| Average total assets | $177,804,500 | 3,260 |
| Average earning assets | $167,616,000 | 3,213 |
| Average equity | $16,011,500 | 3,685 |
| Average total loans | $83,895,000 | 3,799 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4476% | 5,530 |
| Cost of funding earning assets | 0.5073% | 2,757 |
| Net interest margin | 2.9403% | 5,658 |
| Noninterest income to average assets | 0.3165% | 4,877 |
| Noninterest expense to average assets | 2.0008% | 5,841 |
| Loan and lease loss provision to assets | 0.0791% | 2,704 |
| Net operating income to assets | 1.0015% | 2,316 |
| Return on assets (ROA) | 1.0558% | 2,178 |
| Pretax return on assets | 1.0558% | 3,258 |
| Return on Equity (ROE) | 11.8842% | 1,459 |
| Retained earnings to average equity (ytd only) | 7.7998% | 1,394 |
| Net charge-offs to loans | 0.2533% | 1,542 |
| Credit loss provision to net charge-offs | 66.0377% | 2,536 |
| Earnings coverage of net charge-offs (x) | 9.0189% | 2,409 |
| Efficiency ratio | 64.9303% | 4,547 |
| Assets per employee ($millions) | 6.3750% | 1,073 |
| Cash dividends to net income (ytd only)* | 34.3683% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 2,474 |
| Loan loss allowance to noncurrent loans | 126.5209% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.6258% | 4,094 |
| Noncurrent loans to loans | 1.2619% | 2,700 |
| Net loans and leases to total assets | 44.3743% | 5,510 |
| Net loans and leases to deposits | 54.7559% | 5,302 |
| Net loans and leases to core deposits | 56.5308% | 5,373 |
| Total domestic deposits to total assets | 81.0402% | 4,967 |
| Equity capital to assets | 8.9704% | 5,327 |
| Core capital (leverage) ratio | 8.6847% | 5,423 |
| Tier 1 risk-based capital ratio | 14.5400% | 3,900 |
| Total risk-based capital ratio | 15.7249% | 3,887 |
| Memoranda: | ||
| Average total assets | $176,927,330 | 3,283 |
| Average earning assets | $166,377,330 | 3,241 |
| Average equity | $15,718,330 | 3,738 |
| Average total loans | $83,685,330 | 3,820 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4793% | 5,483 |
| Cost of funding earning assets | 0.5192% | 2,726 |
| Net interest margin | 2.9601% | 5,625 |
| Noninterest income to average assets | 0.2822% | 5,114 |
| Noninterest expense to average assets | 1.9404% | 5,993 |
| Loan and lease loss provision to assets | 0.0463% | 3,171 |
| Net operating income to assets | 1.0777% | 1,904 |
| Return on assets (ROA) | 1.1333% | 1,751 |
| Pretax return on assets | 1.1333% | 2,757 |
| Return on Equity (ROE) | 12.8226% | 1,205 |
| Retained earnings to average equity (ytd only) | 12.8226% | 508 |
| Net charge-offs to loans | -0.0239% | 5,434 |
| Credit loss provision to net charge-offs | -400.0000% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3208% | 4,957 |
| Assets per employee ($millions) | 5.9413% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6972% | 2,364 |
| Loan loss allowance to noncurrent loans | 109.7792% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 3,915 |
| Noncurrent loans to loans | 1.5460% | 2,494 |
| Net loans and leases to total assets | 46.7937% | 5,248 |
| Net loans and leases to deposits | 54.5268% | 5,232 |
| Net loans and leases to core deposits | 56.1174% | 5,345 |
| Total domestic deposits to total assets | 85.8177% | 3,452 |
| Equity capital to assets | 9.1132% | 4,986 |
| Core capital (leverage) ratio | 8.7309% | 5,343 |
| Tier 1 risk-based capital ratio | 14.6839% | 3,900 |
| Total risk-based capital ratio | 15.8691% | 3,885 |
| Memoranda: | ||
| Average total assets | $172,953,500 | 3,365 |
| Average earning assets | $162,560,000 | 3,314 |
| Average equity | $15,285,500 | 3,811 |
| Average total loans | $83,844,000 | 3,845 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1248% | 6,213 |
| Cost of funding earning assets | 0.5674% | 2,952 |
| Net interest margin | 2.5574% | 6,320 |
| Noninterest income to average assets | 0.3199% | 5,046 |
| Noninterest expense to average assets | 1.7761% | 6,360 |
| Loan and lease loss provision to assets | 0.1447% | 2,496 |
| Net operating income to assets | 0.8020% | 3,284 |
| Return on assets (ROA) | 0.8020% | 3,383 |
| Pretax return on assets | 0.8020% | 4,134 |
| Return on Equity (ROE) | 11.2528% | 1,685 |
| Retained earnings to average equity (ytd only) | 8.1333% | 1,015 |
| Net charge-offs to loans | 0.3269% | 2,043 |
| Credit loss provision to net charge-offs | 101.8868% | 2,371 |
| Earnings coverage of net charge-offs (x) | 6.6679% | 3,008 |
| Efficiency ratio | 65.2302% | 4,694 |
| Assets per employee ($millions) | 6.4299% | 1,018 |
| Cash dividends to net income (ytd only)* | 27.7221% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5956% | 2,781 |
| Loan loss allowance to noncurrent loans | 372.4796% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 5,650 |
| Noncurrent loans to loans | 0.4284% | 4,925 |
| Net loans and leases to total assets | 48.5600% | 5,235 |
| Net loans and leases to deposits | 58.0147% | 5,124 |
| Net loans and leases to core deposits | 59.7380% | 5,240 |
| Total domestic deposits to total assets | 83.7029% | 4,280 |
| Equity capital to assets | 8.5647% | 5,509 |
| Core capital (leverage) ratio | 8.2697% | 5,908 |
| Tier 1 risk-based capital ratio | 13.7911% | 4,446 |
| Total risk-based capital ratio | 14.9756% | 4,446 |
| Memoranda: | ||
| Average total assets | $186,649,200 | 3,204 |
| Average earning assets | $175,371,600 | 3,142 |
| Average equity | $13,303,400 | 4,203 |
| Average total loans | $81,060,600 | 3,903 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0126% | 6,413 |
| Cost of funding earning assets | 0.5685% | 3,094 |
| Net interest margin | 2.4442% | 6,478 |
| Noninterest income to average assets | 0.3342% | 5,019 |
| Noninterest expense to average assets | 1.5656% | 6,584 |
| Loan and lease loss provision to assets | 0.1278% | 2,691 |
| Net operating income to assets | 0.9380% | 2,648 |
| Return on assets (ROA) | 0.9380% | 2,761 |
| Pretax return on assets | 0.9380% | 3,730 |
| Return on Equity (ROE) | 13.7956% | 1,038 |
| Retained earnings to average equity (ytd only) | 9.5103% | 907 |
| Net charge-offs to loans | 0.4221% | 1,516 |
| Credit loss provision to net charge-offs | 71.9368% | 3,031 |
| Earnings coverage of net charge-offs (x) | 6.0001% | 3,056 |
| Efficiency ratio | 59.4984% | 5,498 |
| Assets per employee ($millions) | 7.1644% | 682 |
| Cash dividends to net income (ytd only)* | 31.0629% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 3,110 |
| Loan loss allowance to noncurrent loans | 457.8014% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 6,007 |
| Noncurrent loans to loans | 0.3446% | 5,353 |
| Net loans and leases to total assets | 41.6364% | 5,921 |
| Net loans and leases to deposits | 53.6529% | 5,567 |
| Net loans and leases to core deposits | 55.4095% | 5,673 |
| Total domestic deposits to total assets | 77.6033% | 5,959 |
| Equity capital to assets | 6.3017% | 6,664 |
| Core capital (leverage) ratio | 6.4671% | 6,673 |
| Tier 1 risk-based capital ratio | 11.9446% | 5,809 |
| Total risk-based capital ratio | 13.1275% | 5,802 |
| Memoranda: | ||
| Average total assets | $189,909,500 | 3,183 |
| Average earning assets | $178,488,500 | 3,115 |
| Average equity | $12,912,000 | 4,326 |
| Average total loans | $79,908,000 | 3,974 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0072% | 6,443 |
| Cost of funding earning assets | 0.5818% | 3,105 |
| Net interest margin | 2.4254% | 6,531 |
| Noninterest income to average assets | 0.3349% | 5,006 |
| Noninterest expense to average assets | 1.5207% | 6,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0894% | 1,958 |
| Return on assets (ROA) | 1.0894% | 2,074 |
| Pretax return on assets | 1.0894% | 3,136 |
| Return on Equity (ROE) | 15.6318% | 711 |
| Retained earnings to average equity (ytd only) | 10.8419% | 675 |
| Net charge-offs to loans | 0.0303% | 4,266 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 85.6667% | 530 |
| Efficiency ratio | 58.2623% | 5,698 |
| Assets per employee ($millions) | 7.0352% | 708 |
| Cash dividends to net income (ytd only)* | 30.6420% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6883% | 2,820 |
| Loan loss allowance to noncurrent loans | 428.5714% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 5,990 |
| Noncurrent loans to loans | 0.3939% | 5,286 |
| Net loans and leases to total assets | 41.3856% | 5,944 |
| Net loans and leases to deposits | 50.4946% | 5,802 |
| Net loans and leases to core deposits | 52.0847% | 5,882 |
| Total domestic deposits to total assets | 81.9605% | 5,073 |
| Equity capital to assets | 6.5917% | 6,667 |
| Core capital (leverage) ratio | 6.7636% | 6,665 |
| Tier 1 risk-based capital ratio | 11.9581% | 5,812 |
| Total risk-based capital ratio | 13.1400% | 5,811 |
| Memoranda: | ||
| Average total assets | $188,733,000 | 3,212 |
| Average earning assets | $177,043,000 | 3,157 |
| Average equity | $13,152,670 | 4,313 |
| Average total loans | $79,266,670 | 4,002 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0163% | 6,499 |
| Cost of funding earning assets | 0.5857% | 3,251 |
| Net interest margin | 2.4306% | 6,572 |
| Noninterest income to average assets | 0.3338% | 5,029 |
| Noninterest expense to average assets | 1.7478% | 6,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8803% | 2,750 |
| Return on assets (ROA) | 0.8803% | 2,900 |
| Pretax return on assets | 0.8803% | 3,835 |
| Return on Equity (ROE) | 12.2954% | 1,346 |
| Retained earnings to average equity (ytd only) | 7.9890% | 1,754 |
| Net charge-offs to loans | -0.0051% | 5,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5049% | 4,578 |
| Assets per employee ($millions) | 6.7241% | 883 |
| Cash dividends to net income (ytd only)* | 35.0242% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7979% | 2,631 |
| Loan loss allowance to noncurrent loans | 536.6142% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 6,027 |
| Noncurrent loans to loans | 0.3350% | 5,566 |
| Net loans and leases to total assets | 41.0061% | 5,922 |
| Net loans and leases to deposits | 46.7095% | 6,012 |
| Net loans and leases to core deposits | 48.1431% | 6,089 |
| Total domestic deposits to total assets | 87.7897% | 2,467 |
| Equity capital to assets | 7.4326% | 6,613 |
| Core capital (leverage) ratio | 6.5383% | 6,740 |
| Tier 1 risk-based capital ratio | 12.1407% | 5,827 |
| Total risk-based capital ratio | 13.3221% | 5,826 |
| Memoranda: | ||
| Average total assets | $188,124,500 | 3,245 |
| Average earning assets | $177,567,000 | 3,178 |
| Average equity | $13,468,500 | 4,292 |
| Average total loans | $78,919,000 | 4,035 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4163% | 6,466 |
| Cost of funding earning assets | 0.7333% | 3,222 |
| Net interest margin | 2.6830% | 6,541 |
| Noninterest income to average assets | 0.3962% | 4,640 |
| Noninterest expense to average assets | 2.0731% | 6,184 |
| Loan and lease loss provision to assets | 0.2554% | 2,614 |
| Net operating income to assets | 0.5642% | 4,411 |
| Return on assets (ROA) | 0.5790% | 4,598 |
| Pretax return on assets | 0.5790% | 5,055 |
| Return on Equity (ROE) | 7.5064% | 3,336 |
| Retained earnings to average equity (ytd only) | 3.8268% | 3,509 |
| Net charge-offs to loans | 0.0207% | 5,614 |
| Credit loss provision to net charge-offs | 2,812.5000% | 85 |
| Earnings coverage of net charge-offs (x) | 90.2500% | 432 |
| Efficiency ratio | 71.6641% | 3,480 |
| Assets per employee ($millions) | 7.2110% | 705 |
| Cash dividends to net income (ytd only)* | 49.0196% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 3,083 |
| Loan loss allowance to noncurrent loans | 654.8077% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 6,203 |
| Noncurrent loans to loans | 0.2536% | 5,844 |
| Net loans and leases to total assets | 41.4313% | 6,054 |
| Net loans and leases to deposits | 55.6436% | 5,483 |
| Net loans and leases to core deposits | 56.8976% | 5,638 |
| Total domestic deposits to total assets | 74.4584% | 6,490 |
| Equity capital to assets | 6.9045% | 6,788 |
| Core capital (leverage) ratio | 6.1904% | 6,833 |
| Tier 1 risk-based capital ratio | 11.2412% | 6,251 |
| Total risk-based capital ratio | 12.4265% | 6,246 |
| Memoranda: | ||
| Average total assets | $176,165,400 | 3,362 |
| Average earning assets | $163,920,800 | 3,321 |
| Average equity | $13,588,400 | 4,238 |
| Average total loans | $77,270,400 | 4,114 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5391% | 6,462 |
| Cost of funding earning assets | 0.7811% | 3,100 |
| Net interest margin | 2.7580% | 6,568 |
| Noninterest income to average assets | 0.3747% | 4,829 |
| Noninterest expense to average assets | 1.8142% | 6,665 |
| Loan and lease loss provision to assets | 0.2798% | 2,328 |
| Net operating income to assets | 0.8387% | 3,268 |
| Return on assets (ROA) | 0.8566% | 3,435 |
| Pretax return on assets | 0.8566% | 4,270 |
| Return on Equity (ROE) | 10.7841% | 2,037 |
| Retained earnings to average equity (ytd only) | 7.2905% | 1,949 |
| Net charge-offs to loans | 0.0263% | 5,299 |
| Credit loss provision to net charge-offs | 2,400.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 95.9310% | 439 |
| Efficiency ratio | 61.8606% | 5,172 |
| Assets per employee ($millions) | 6.6752% | 871 |
| Cash dividends to net income (ytd only)* | 32.3957% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 3,329 |
| Loan loss allowance to noncurrent loans | 902.8369% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 6,420 |
| Noncurrent loans to loans | 0.1827% | 6,151 |
| Net loans and leases to total assets | 42.1029% | 6,125 |
| Net loans and leases to deposits | 52.8474% | 5,901 |
| Net loans and leases to core deposits | 54.2623% | 6,032 |
| Total domestic deposits to total assets | 79.6688% | 5,736 |
| Equity capital to assets | 7.8921% | 6,639 |
| Core capital (leverage) ratio | 6.8658% | 6,825 |
| Tier 1 risk-based capital ratio | 12.0973% | 5,890 |
| Total risk-based capital ratio | 13.2798% | 5,908 |
| Memoranda: | ||
| Average total assets | $171,532,250 | 3,460 |
| Average earning assets | $159,094,500 | 3,426 |
| Average equity | $13,624,750 | 4,278 |
| Average total loans | $76,081,000 | 4,197 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6268% | 6,454 |
| Cost of funding earning assets | 0.8440% | 2,846 |
| Net interest margin | 2.7828% | 6,611 |
| Noninterest income to average assets | 0.3653% | 4,902 |
| Noninterest expense to average assets | 1.8608% | 6,667 |
| Loan and lease loss provision to assets | 0.2669% | 2,448 |
| Net operating income to assets | 0.8029% | 3,388 |
| Return on assets (ROA) | 0.8029% | 3,640 |
| Pretax return on assets | 0.8029% | 4,467 |
| Return on Equity (ROE) | 10.0857% | 2,321 |
| Retained earnings to average equity (ytd only) | 6.8529% | 2,187 |
| Net charge-offs to loans | 0.0475% | 4,728 |
| Credit loss provision to net charge-offs | 1,250.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 50.1111% | 730 |
| Efficiency ratio | 63.4966% | 4,985 |
| Assets per employee ($millions) | 6.4896% | 962 |
| Cash dividends to net income (ytd only)* | 32.0532% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 4,053 |
| Loan loss allowance to noncurrent loans | 366.1290% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 6,230 |
| Noncurrent loans to loans | 0.4072% | 5,720 |
| Net loans and leases to total assets | 42.7962% | 6,122 |
| Net loans and leases to deposits | 49.0233% | 6,239 |
| Net loans and leases to core deposits | 50.2113% | 6,332 |
| Total domestic deposits to total assets | 87.2976% | 2,596 |
| Equity capital to assets | 7.8182% | 6,666 |
| Core capital (leverage) ratio | 6.7680% | 6,872 |
| Tier 1 risk-based capital ratio | 11.4246% | 6,261 |
| Total risk-based capital ratio | 12.5503% | 6,311 |
| Memoranda: | ||
| Average total assets | $168,633,000 | 3,523 |
| Average earning assets | $155,454,670 | 3,504 |
| Average equity | $13,425,000 | 4,313 |
| Average total loans | $75,723,000 | 4,232 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7840% | 6,281 |
| Cost of funding earning assets | 0.9021% | 2,669 |
| Net interest margin | 2.8819% | 6,511 |
| Noninterest income to average assets | 0.3992% | 4,681 |
| Noninterest expense to average assets | 1.8459% | 6,745 |
| Loan and lease loss provision to assets | 0.2177% | 2,761 |
| Net operating income to assets | 0.9556% | 2,657 |
| Return on assets (ROA) | 0.9556% | 2,868 |
| Pretax return on assets | 0.9556% | 3,845 |
| Return on Equity (ROE) | 11.8904% | 1,703 |
| Retained earnings to average equity (ytd only) | 8.1878% | 1,913 |
| Net charge-offs to loans | 0.1006% | 3,533 |
| Credit loss provision to net charge-offs | 473.6842% | 677 |
| Earnings coverage of net charge-offs (x) | 25.5263% | 1,025 |
| Efficiency ratio | 61.1378% | 5,434 |
| Assets per employee ($millions) | 6.5312% | 960 |
| Cash dividends to net income (ytd only)* | 31.1392% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 4,771 |
| Loan loss allowance to noncurrent loans | 616.6667% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 6,541 |
| Noncurrent loans to loans | 0.2204% | 6,247 |
| Net loans and leases to total assets | 42.7030% | 6,126 |
| Net loans and leases to deposits | 49.2729% | 6,198 |
| Net loans and leases to core deposits | 50.7144% | 6,295 |
| Total domestic deposits to total assets | 86.6663% | 3,134 |
| Equity capital to assets | 7.9024% | 6,582 |
| Core capital (leverage) ratio | 6.6571% | 6,940 |
| Tier 1 risk-based capital ratio | 12.2463% | 5,797 |
| Total risk-based capital ratio | 13.3259% | 5,885 |
| Memoranda: | ||
| Average total assets | $165,340,000 | 3,591 |
| Average earning assets | $150,318,000 | 3,615 |
| Average equity | $13,288,000 | 4,352 |
| Average total loans | $75,523,500 | 4,255 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4288% | 5,317 |
| Cost of funding earning assets | 1.2022% | 2,011 |
| Net interest margin | 3.2267% | 6,021 |
| Noninterest income to average assets | 0.3380% | 5,112 |
| Noninterest expense to average assets | 2.0090% | 6,658 |
| Loan and lease loss provision to assets | 0.2266% | 3,938 |
| Net operating income to assets | 0.9151% | 2,542 |
| Return on assets (ROA) | 0.9170% | 2,653 |
| Pretax return on assets | 0.9170% | 3,555 |
| Return on Equity (ROE) | 11.8513% | 1,449 |
| Retained earnings to average equity (ytd only) | 6.4584% | 1,767 |
| Net charge-offs to loans | 0.4932% | 3,022 |
| Credit loss provision to net charge-offs | 93.2642% | 3,866 |
| Earnings coverage of net charge-offs (x) | 4.6995% | 3,014 |
| Efficiency ratio | 63.7635% | 5,168 |
| Assets per employee ($millions) | 5.9581% | 1,263 |
| Cash dividends to net income (ytd only)* | 45.5045% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 5,401 |
| Loan loss allowance to noncurrent loans | 576.3975% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 6,589 |
| Noncurrent loans to loans | 0.2077% | 6,329 |
| Net loans and leases to total assets | 47.6198% | 5,864 |
| Net loans and leases to deposits | 57.7479% | 5,719 |
| Net loans and leases to core deposits | 59.7011% | 5,876 |
| Total domestic deposits to total assets | 82.4616% | 4,978 |
| Equity capital to assets | 8.1787% | 6,451 |
| Core capital (leverage) ratio | 6.6487% | 6,951 |
| Tier 1 risk-based capital ratio | 11.2889% | 6,299 |
| Total risk-based capital ratio | 12.2361% | 6,446 |
| Memoranda: | ||
| Average total assets | $158,882,600 | 3,645 |
| Average earning assets | $138,501,800 | 3,776 |
| Average equity | $12,294,000 | 4,480 |
| Average total loans | $78,258,600 | 4,206 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4558% | 5,409 |
| Cost of funding earning assets | 1.2466% | 2,016 |
| Net interest margin | 3.2092% | 6,139 |
| Noninterest income to average assets | 0.3308% | 5,220 |
| Noninterest expense to average assets | 1.8183% | 6,968 |
| Loan and lease loss provision to assets | 0.2273% | 3,743 |
| Net operating income to assets | 1.0851% | 2,026 |
| Return on assets (ROA) | 1.0851% | 2,170 |
| Pretax return on assets | 1.0851% | 3,071 |
| Return on Equity (ROE) | 14.2290% | 993 |
| Retained earnings to average equity (ytd only) | 8.4558% | 1,332 |
| Net charge-offs to loans | 0.4266% | 3,009 |
| Credit loss provision to net charge-offs | 107.5697% | 3,074 |
| Earnings coverage of net charge-offs (x) | 6.2111% | 2,596 |
| Efficiency ratio | 58.0801% | 5,997 |
| Assets per employee ($millions) | 6.6075% | 897 |
| Cash dividends to net income (ytd only)* | 40.5744% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 5,305 |
| Loan loss allowance to noncurrent loans | 569.0058% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 6,629 |
| Noncurrent loans to loans | 0.2179% | 6,442 |
| Net loans and leases to total assets | 45.1038% | 6,230 |
| Net loans and leases to deposits | 58.1212% | 5,830 |
| Net loans and leases to core deposits | 60.0774% | 5,987 |
| Total domestic deposits to total assets | 77.6030% | 6,277 |
| Equity capital to assets | 7.7208% | 6,835 |
| Core capital (leverage) ratio | 6.9077% | 6,984 |
| Tier 1 risk-based capital ratio | 10.9809% | 6,548 |
| Total risk-based capital ratio | 11.9494% | 6,688 |
| Memoranda: | ||
| Average total assets | $158,385,750 | 3,679 |
| Average earning assets | $138,182,250 | 3,801 |
| Average equity | $12,078,250 | 4,547 |
| Average total loans | $78,439,750 | 4,227 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4955% | 5,371 |
| Cost of funding earning assets | 1.2731% | 2,100 |
| Net interest margin | 3.2223% | 6,093 |
| Noninterest income to average assets | 0.2885% | 5,573 |
| Noninterest expense to average assets | 1.8309% | 7,043 |
| Loan and lease loss provision to assets | 0.2339% | 3,570 |
| Net operating income to assets | 1.0850% | 1,915 |
| Return on assets (ROA) | 1.0850% | 2,009 |
| Pretax return on assets | 1.0850% | 2,916 |
| Return on Equity (ROE) | 14.2943% | 917 |
| Retained earnings to average equity (ytd only) | 8.4910% | 1,265 |
| Net charge-offs to loans | 0.6120% | 2,299 |
| Credit loss provision to net charge-offs | 75.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | 4.2292% | 2,923 |
| Efficiency ratio | 58.1271% | 6,144 |
| Assets per employee ($millions) | 6.4585% | 946 |
| Cash dividends to net income (ytd only)* | 40.5988% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 5,826 |
| Loan loss allowance to noncurrent loans | 387.0130% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 6,452 |
| Noncurrent loans to loans | 0.2921% | 6,334 |
| Net loans and leases to total assets | 46.5630% | 6,209 |
| Net loans and leases to deposits | 54.3742% | 6,284 |
| Net loans and leases to core deposits | 56.2131% | 6,399 |
| Total domestic deposits to total assets | 85.6343% | 3,532 |
| Equity capital to assets | 7.3624% | 7,009 |
| Core capital (leverage) ratio | 7.0140% | 6,992 |
| Tier 1 risk-based capital ratio | 10.8133% | 6,647 |
| Total risk-based capital ratio | 11.7117% | 6,805 |
| Memoranda: | ||
| Average total assets | $153,916,000 | 3,780 |
| Average earning assets | $136,671,330 | 3,844 |
| Average equity | $11,683,000 | 4,645 |
| Average total loans | $78,433,330 | 4,272 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 5,326 |
| Cost of funding earning assets | 1.3414% | 1,940 |
| Net interest margin | 3.1616% | 6,187 |
| Noninterest income to average assets | 0.2804% | 5,666 |
| Noninterest expense to average assets | 1.8895% | 7,006 |
| Loan and lease loss provision to assets | 0.2450% | 3,213 |
| Net operating income to assets | 1.0401% | 2,033 |
| Return on assets (ROA) | 1.0401% | 2,089 |
| Pretax return on assets | 1.0401% | 2,988 |
| Return on Equity (ROE) | 13.4709% | 1,095 |
| Retained earnings to average equity (ytd only) | 7.9697% | 1,747 |
| Net charge-offs to loans | 0.7374% | 1,739 |
| Credit loss provision to net charge-offs | 62.5000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 3.2778% | 2,792 |
| Efficiency ratio | 59.5197% | 6,056 |
| Assets per employee ($millions) | 5.9265% | 1,245 |
| Cash dividends to net income (ytd only)* | 40.8377% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 5,900 |
| Loan loss allowance to noncurrent loans | 192.7195% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 6,278 |
| Noncurrent loans to loans | 0.5900% | 5,846 |
| Net loans and leases to total assets | 52.8152% | 5,486 |
| Net loans and leases to deposits | 61.4286% | 5,577 |
| Net loans and leases to core deposits | 63.7595% | 5,755 |
| Total domestic deposits to total assets | 85.9782% | 3,538 |
| Equity capital to assets | 7.8272% | 6,658 |
| Core capital (leverage) ratio | 6.9039% | 7,044 |
| Tier 1 risk-based capital ratio | 10.9754% | 6,526 |
| Total risk-based capital ratio | 11.9168% | 6,695 |
| Memoranda: | ||
| Average total assets | $146,913,500 | 3,934 |
| Average earning assets | $134,487,000 | 3,925 |
| Average equity | $11,343,000 | 4,708 |
| Average total loans | $78,108,500 | 4,325 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7512% | 5,616 |
| Cost of funding earning assets | 1.6355% | 1,884 |
| Net interest margin | 3.1157% | 6,479 |
| Noninterest income to average assets | 0.3866% | 5,007 |
| Noninterest expense to average assets | 2.1325% | 6,769 |
| Loan and lease loss provision to assets | 0.2521% | 4,780 |
| Net operating income to assets | 0.8544% | 2,570 |
| Return on assets (ROA) | 0.8656% | 2,670 |
| Pretax return on assets | 0.8656% | 3,423 |
| Return on Equity (ROE) | 10.8152% | 1,640 |
| Retained earnings to average equity (ytd only) | 3.6488% | 3,307 |
| Net charge-offs to loans | 0.1087% | 5,788 |
| Credit loss provision to net charge-offs | 455.6962% | 503 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,030 |
| Efficiency ratio | 65.8378% | 5,000 |
| Assets per employee ($millions) | 5.8266% | 1,335 |
| Cash dividends to net income (ytd only)* | 66.2621% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 5,335 |
| Loan loss allowance to noncurrent loans | 144.9848% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 5,823 |
| Noncurrent loans to loans | 0.8538% | 5,359 |
| Net loans and leases to total assets | 52.2507% | 5,880 |
| Net loans and leases to deposits | 61.3324% | 5,920 |
| Net loans and leases to core deposits | 63.7312% | 6,076 |
| Total domestic deposits to total assets | 85.1927% | 3,756 |
| Equity capital to assets | 7.6127% | 6,805 |
| Core capital (leverage) ratio | 6.9972% | 7,032 |
| Tier 1 risk-based capital ratio | 10.8653% | 6,437 |
| Total risk-based capital ratio | 11.8750% | 6,589 |
| Memoranda: | ||
| Average total assets | $142,792,000 | 4,010 |
| Average earning assets | $130,725,200 | 3,997 |
| Average equity | $11,428,400 | 4,755 |
| Average total loans | $72,652,800 | 4,582 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7865% | 5,719 |
| Cost of funding earning assets | 1.6556% | 2,070 |
| Net interest margin | 3.1309% | 6,535 |
| Noninterest income to average assets | 0.3538% | 5,332 |
| Noninterest expense to average assets | 1.9229% | 7,169 |
| Loan and lease loss provision to assets | 0.2534% | 4,555 |
| Net operating income to assets | 1.0436% | 2,091 |
| Return on assets (ROA) | 1.0586% | 2,151 |
| Pretax return on assets | 1.0586% | 2,970 |
| Return on Equity (ROE) | 13.0629% | 1,237 |
| Retained earnings to average equity (ytd only) | 5.8250% | 2,466 |
| Net charge-offs to loans | 0.1099% | 5,437 |
| Credit loss provision to net charge-offs | 457.6271% | 657 |
| Earnings coverage of net charge-offs (x) | 23.4251% | 1,060 |
| Efficiency ratio | 59.7202% | 5,995 |
| Assets per employee ($millions) | 5.6356% | 1,514 |
| Cash dividends to net income (ytd only)* | 55.4077% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 5,446 |
| Loan loss allowance to noncurrent loans | 120.6003% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 6,028 |
| Noncurrent loans to loans | 1.0034% | 5,228 |
| Net loans and leases to total assets | 51.2240% | 6,199 |
| Net loans and leases to deposits | 60.5743% | 6,267 |
| Net loans and leases to core deposits | 62.5862% | 6,406 |
| Total domestic deposits to total assets | 84.5640% | 3,844 |
| Equity capital to assets | 8.5279% | 6,246 |
| Core capital (leverage) ratio | 7.2057% | 7,055 |
| Tier 1 risk-based capital ratio | 11.4192% | 6,003 |
| Total risk-based capital ratio | 12.3944% | 6,236 |
| Memoranda: | ||
| Average total assets | $142,073,750 | 4,077 |
| Average earning assets | $130,057,250 | 4,066 |
| Average equity | $11,513,250 | 4,802 |
| Average total loans | $71,549,750 | 4,697 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 5,791 |
| Cost of funding earning assets | 1.6475% | 2,401 |
| Net interest margin | 3.1560% | 6,446 |
| Noninterest income to average assets | 0.3032% | 5,730 |
| Noninterest expense to average assets | 1.9471% | 7,188 |
| Loan and lease loss provision to assets | 0.2527% | 4,398 |
| Net operating income to assets | 0.9729% | 2,289 |
| Return on assets (ROA) | 0.9953% | 2,293 |
| Pretax return on assets | 0.9953% | 3,136 |
| Return on Equity (ROE) | 12.4978% | 1,351 |
| Retained earnings to average equity (ytd only) | 5.4821% | 2,623 |
| Net charge-offs to loans | 0.0929% | 5,206 |
| Credit loss provision to net charge-offs | 545.4545% | 676 |
| Earnings coverage of net charge-offs (x) | 26.4545% | 1,001 |
| Efficiency ratio | 61.3717% | 5,800 |
| Assets per employee ($millions) | 5.6395% | 1,501 |
| Cash dividends to net income (ytd only)* | 56.1354% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 5,767 |
| Loan loss allowance to noncurrent loans | 197.5904% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 6,600 |
| Noncurrent loans to loans | 0.5745% | 6,102 |
| Net loans and leases to total assets | 48.7107% | 6,572 |
| Net loans and leases to deposits | 58.6694% | 6,528 |
| Net loans and leases to core deposits | 60.1371% | 6,707 |
| Total domestic deposits to total assets | 83.0256% | 4,564 |
| Equity capital to assets | 7.9706% | 6,785 |
| Core capital (leverage) ratio | 7.2820% | 7,007 |
| Tier 1 risk-based capital ratio | 11.1310% | 6,116 |
| Total risk-based capital ratio | 12.0293% | 6,449 |
| Memoranda: | ||
| Average total assets | $142,468,000 | 4,086 |
| Average earning assets | $129,532,330 | 4,098 |
| Average equity | $11,346,000 | 4,844 |
| Average total loans | $71,048,330 | 4,754 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8782% | 5,569 |
| Cost of funding earning assets | 1.6518% | 2,640 |
| Net interest margin | 3.2263% | 6,206 |
| Noninterest income to average assets | 0.2935% | 5,794 |
| Noninterest expense to average assets | 1.9831% | 7,188 |
| Loan and lease loss provision to assets | 0.2564% | 3,991 |
| Net operating income to assets | 1.0257% | 2,089 |
| Return on assets (ROA) | 1.0371% | 2,104 |
| Pretax return on assets | 1.0371% | 2,946 |
| Return on Equity (ROE) | 13.0285% | 1,248 |
| Retained earnings to average equity (ytd only) | 5.7626% | 2,733 |
| Net charge-offs to loans | -0.0170% | 7,029 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7330% | 6,048 |
| Assets per employee ($millions) | 5.3070% | 1,857 |
| Cash dividends to net income (ytd only)* | 55.7692% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 6,031 |
| Loan loss allowance to noncurrent loans | 261.4334% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 6,781 |
| Noncurrent loans to loans | 0.4186% | 6,459 |
| Net loans and leases to total assets | 50.1696% | 6,447 |
| Net loans and leases to deposits | 62.1142% | 6,263 |
| Net loans and leases to core deposits | 63.5751% | 6,482 |
| Total domestic deposits to total assets | 80.7700% | 5,529 |
| Equity capital to assets | 8.1561% | 6,487 |
| Core capital (leverage) ratio | 7.2782% | 7,049 |
| Tier 1 risk-based capital ratio | 11.4000% | 5,765 |
| Total risk-based capital ratio | 12.2724% | 6,106 |
| Memoranda: | ||
| Average total assets | $140,388,500 | 4,186 |
| Average earning assets | $129,311,000 | 4,162 |
| Average equity | $11,175,500 | 4,930 |
| Average total loans | $70,451,000 | 4,836 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0631% | 6,219 |
| Cost of funding earning assets | 2.0034% | 2,948 |
| Net interest margin | 3.0597% | 6,492 |
| Noninterest income to average assets | 0.3904% | 5,291 |
| Noninterest expense to average assets | 2.0582% | 7,267 |
| Loan and lease loss provision to assets | 0.2528% | 5,374 |
| Net operating income to assets | 0.8090% | 2,503 |
| Return on assets (ROA) | 0.7647% | 2,752 |
| Pretax return on assets | 0.7647% | 3,360 |
| Return on Equity (ROE) | 10.2190% | 1,634 |
| Retained earnings to average equity (ytd only) | 6.0526% | 1,331 |
| Net charge-offs to loans | 0.0857% | 6,263 |
| Credit loss provision to net charge-offs | 610.1695% | 482 |
| Earnings coverage of net charge-offs (x) | 25.6271% | 870 |
| Efficiency ratio | 65.9689% | 5,398 |
| Assets per employee ($millions) | 5.7118% | 1,450 |
| Cash dividends to net income (ytd only)* | 40.7713% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 6,638 |
| Loan loss allowance to noncurrent loans | 175.2604% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 6,609 |
| Noncurrent loans to loans | 0.5415% | 6,164 |
| Net loans and leases to total assets | 49.1880% | 6,710 |
| Net loans and leases to deposits | 55.5821% | 6,945 |
| Net loans and leases to core deposits | 65.8887% | 6,989 |
| Total domestic deposits to total assets | 88.4961% | 1,730 |
| Equity capital to assets | 7.7713% | 6,795 |
| Core capital (leverage) ratio | 6.7915% | 7,371 |
| Tier 1 risk-based capital ratio | 10.9774% | 5,932 |
| Total risk-based capital ratio | 11.7275% | 6,390 |
| Memoranda: | ||
| Average total assets | $142,404,800 | 4,069 |
| Average earning assets | $127,037,000 | 4,154 |
| Average equity | $10,656,600 | 5,117 |
| Average total loans | $68,883,600 | 4,910 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0798% | 6,341 |
| Cost of funding earning assets | 2.0374% | 3,170 |
| Net interest margin | 3.0424% | 6,490 |
| Noninterest income to average assets | 0.3860% | 5,426 |
| Noninterest expense to average assets | 1.9469% | 7,473 |
| Loan and lease loss provision to assets | 0.2530% | 4,927 |
| Net operating income to assets | 0.8891% | 2,455 |
| Return on assets (ROA) | 0.9172% | 2,427 |
| Pretax return on assets | 0.9172% | 3,173 |
| Return on Equity (ROE) | 12.3766% | 1,271 |
| Retained earnings to average equity (ytd only) | 8.1542% | 1,094 |
| Net charge-offs to loans | 0.1560% | 5,148 |
| Credit loss provision to net charge-offs | 337.5000% | 1,218 |
| Earnings coverage of net charge-offs (x) | 15.2380% | 1,546 |
| Efficiency ratio | 63.0270% | 5,918 |
| Assets per employee ($millions) | 5.9309% | 1,260 |
| Cash dividends to net income (ytd only)* | 34.1163% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 7,015 |
| Loan loss allowance to noncurrent loans | 135.4217% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 6,558 |
| Noncurrent loans to loans | 0.6152% | 6,078 |
| Net loans and leases to total assets | 45.1191% | 7,167 |
| Net loans and leases to deposits | 56.5054% | 7,058 |
| Net loans and leases to core deposits | 68.9389% | 7,020 |
| Total domestic deposits to total assets | 79.8492% | 5,496 |
| Equity capital to assets | 7.6555% | 7,188 |
| Core capital (leverage) ratio | 6.6046% | 7,630 |
| Tier 1 risk-based capital ratio | 11.2637% | 5,668 |
| Total risk-based capital ratio | 11.9022% | 6,275 |
| Memoranda: | ||
| Average total assets | $142,307,250 | 4,088 |
| Average earning assets | $126,432,500 | 4,199 |
| Average equity | $10,546,500 | 5,179 |
| Average total loans | $68,376,750 | 4,976 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0628% | 6,571 |
| Cost of funding earning assets | 1.9865% | 3,839 |
| Net interest margin | 3.0763% | 6,313 |
| Noninterest income to average assets | 0.4190% | 5,128 |
| Noninterest expense to average assets | 1.9042% | 7,619 |
| Loan and lease loss provision to assets | 0.2566% | 4,524 |
| Net operating income to assets | 1.0305% | 2,005 |
| Return on assets (ROA) | 1.0733% | 1,939 |
| Pretax return on assets | 1.0733% | 2,721 |
| Return on Equity (ROE) | 14.6522% | 880 |
| Retained earnings to average equity (ytd only) | 9.6514% | 794 |
| Net charge-offs to loans | 0.0815% | 5,390 |
| Credit loss provision to net charge-offs | 642.8571% | 723 |
| Earnings coverage of net charge-offs (x) | 32.2500% | 947 |
| Efficiency ratio | 59.6695% | 6,596 |
| Assets per employee ($millions) | 5.7570% | 1,377 |
| Cash dividends to net income (ytd only)* | 34.1301% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7543% | 7,292 |
| Loan loss allowance to noncurrent loans | 169.5793% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 6,671 |
| Noncurrent loans to loans | 0.4448% | 6,409 |
| Net loans and leases to total assets | 47.9052% | 7,040 |
| Net loans and leases to deposits | 53.7657% | 7,285 |
| Net loans and leases to core deposits | 63.6504% | 7,315 |
| Total domestic deposits to total assets | 89.1000% | 1,217 |
| Equity capital to assets | 7.0661% | 7,566 |
| Core capital (leverage) ratio | 7.2930% | 7,250 |
| Tier 1 risk-based capital ratio | 11.1569% | 5,722 |
| Total risk-based capital ratio | 11.7556% | 6,321 |
| Memoranda: | ||
| Average total assets | $140,319,000 | 4,165 |
| Average earning assets | $126,451,000 | 4,216 |
| Average equity | $10,278,330 | 5,284 |
| Average total loans | $68,682,000 | 5,010 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0469% | 6,803 |
| Cost of funding earning assets | 1.9519% | 4,371 |
| Net interest margin | 3.0950% | 6,215 |
| Noninterest income to average assets | 0.3436% | 5,703 |
| Noninterest expense to average assets | 1.9579% | 7,432 |
| Loan and lease loss provision to assets | 0.2599% | 3,883 |
| Net operating income to assets | 0.9876% | 2,367 |
| Return on assets (ROA) | 0.9876% | 2,499 |
| Pretax return on assets | 0.9876% | 3,398 |
| Return on Equity (ROE) | 13.2398% | 1,324 |
| Retained earnings to average equity (ytd only) | 8.4781% | 1,641 |
| Net charge-offs to loans | 0.0469% | 4,824 |
| Credit loss provision to net charge-offs | 1,125.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 683 |
| Efficiency ratio | 61.0811% | 6,240 |
| Assets per employee ($millions) | 5.4932% | 1,570 |
| Cash dividends to net income (ytd only)* | 35.9649% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6738% | 7,519 |
| Loan loss allowance to noncurrent loans | 613.5135% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 6,800 |
| Noncurrent loans to loans | 0.1098% | 7,215 |
| Net loans and leases to total assets | 50.7619% | 6,790 |
| Net loans and leases to deposits | 59.9706% | 6,897 |
| Net loans and leases to core deposits | 71.4089% | 6,938 |
| Total domestic deposits to total assets | 84.6447% | 3,393 |
| Equity capital to assets | 7.8370% | 7,025 |
| Core capital (leverage) ratio | 7.1451% | 7,531 |
| Tier 1 risk-based capital ratio | 11.3512% | 5,547 |
| Total risk-based capital ratio | 11.8943% | 6,162 |
| Memoranda: | ||
| Average total assets | $138,515,500 | 4,220 |
| Average earning assets | $128,079,000 | 4,190 |
| Average equity | $10,332,500 | 5,284 |
| Average total loans | $68,287,000 | 5,041 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5145% | 7,265 |
| Cost of funding earning assets | 2.8456% | 2,495 |
| Net interest margin | 2.6689% | 7,547 |
| Noninterest income to average assets | 0.3402% | 6,018 |
| Noninterest expense to average assets | 2.0256% | 7,396 |
| Loan and lease loss provision to assets | 0.1183% | 5,855 |
| Net operating income to assets | 0.6139% | 4,247 |
| Return on assets (ROA) | 0.6316% | 4,028 |
| Pretax return on assets | 0.6316% | 4,595 |
| Return on Equity (ROE) | 9.0161% | 2,638 |
| Retained earnings to average equity (ytd only) | 6.4227% | 1,355 |
| Net charge-offs to loans | 0.3401% | 3,132 |
| Credit loss provision to net charge-offs | 65.6652% | 6,148 |
| Earnings coverage of net charge-offs (x) | 4.0644% | 4,120 |
| Efficiency ratio | 73.4511% | 3,671 |
| Assets per employee ($millions) | 6.0498% | 1,111 |
| Cash dividends to net income (ytd only)* | 28.7638% | 4,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5376% | 7,786 |
| Loan loss allowance to noncurrent loans | 509.5890% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 6,627 |
| Noncurrent loans to loans | 0.1055% | 7,097 |
| Net loans and leases to total assets | 47.4021% | 7,230 |
| Net loans and leases to deposits | 53.2158% | 7,476 |
| Net loans and leases to core deposits | 60.8893% | 7,544 |
| Total domestic deposits to total assets | 89.0753% | 1,015 |
| Equity capital to assets | 7.1167% | 7,675 |
| Core capital (leverage) ratio | 6.7628% | 7,829 |
| Tier 1 risk-based capital ratio | 10.5724% | 6,136 |
| Total risk-based capital ratio | 10.9967% | 6,925 |
| Memoranda: | ||
| Average total assets | $129,346,400 | 4,299 |
| Average earning assets | $117,163,600 | 4,332 |
| Average equity | $9,061,600 | 5,721 |
| Average total loans | $68,501,600 | 4,927 |