Home > Texas State Bank > Performance and Condition Ratios
Texas State Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3065% | 5,390 |
| Cost of funding earning assets | 0.0759% | 5,336 |
| Net interest margin | 1.2306% | 5,384 |
| Noninterest income to average assets | 0.3130% | 4,026 |
| Noninterest expense to average assets | 0.9811% | 5,355 |
| Loan and lease loss provision to assets | 0.1557% | 1,343 |
| Net operating income to assets | 0.2998% | 5,008 |
| Return on assets (ROA) | 0.2998% | 5,003 |
| Pretax return on assets | 0.2998% | 5,046 |
| Return on Equity (ROE) | 3.2202% | 4,867 |
| Retained earnings to average equity (ytd only) | 3.2202% | 3,792 |
| Net charge-offs to loans | 0.1036% | 1,724 |
| Credit loss provision to net charge-offs | 210.5263% | 1,376 |
| Earnings coverage of net charge-offs (x) | 6.1579% | 3,119 |
| Efficiency ratio | 68.2927% | 2,495 |
| Assets per employee ($millions) | 2.4689% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2095% | 5,321 |
| Loan loss allowance to noncurrent loans | 28.0347% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.2575% | 375 |
| Noncurrent loans to loans | 0.7472% | 2,129 |
| Net loans and leases to total assets | 76.3982% | 1,537 |
| Net loans and leases to deposits | 87.1717% | 2,148 |
| Net loans and leases to core deposits | 89.0995% | 2,642 |
| Total domestic deposits to total assets | 87.6411% | 1,470 |
| Equity capital to assets | 11.8232% | 2,014 |
| Core capital (leverage) ratio | 8.5797% | 4,968 |
| Tier 1 risk-based capital ratio | 11.6540% | 4,641 |
| Total risk-based capital ratio | 11.8684% | 5,030 |
| Memoranda: | ||
| Average total assets | $128,420,800 | 3,669 |
| Average earning assets | $117,261,000 | 3,690 |
| Average equity | $11,955,800 | 4,035 |
| Average total loans | $91,726,800 | 3,443 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8819% | 1,208 |
| Cost of funding earning assets | 0.2426% | 4,830 |
| Net interest margin | 4.6393% | 544 |
| Noninterest income to average assets | 1.1196% | 748 |
| Noninterest expense to average assets | 4.9952% | 204 |
| Loan and lease loss provision to assets | 0.0358% | 3,290 |
| Net operating income to assets | 0.3551% | 5,022 |
| Return on assets (ROA) | 0.3551% | 5,020 |
| Pretax return on assets | 0.3551% | 5,084 |
| Return on Equity (ROE) | 4.0695% | 4,805 |
| Retained earnings to average equity (ytd only) | -7.2945% | 5,355 |
| Net charge-offs to loans | 0.1297% | 1,233 |
| Credit loss provision to net charge-offs | 39.3258% | 2,911 |
| Earnings coverage of net charge-offs (x) | 4.2923% | 3,077 |
| Efficiency ratio | 92.7418% | 267 |
| Assets per employee ($millions) | 2.4781% | 5,290 |
| Cash dividends to net income (ytd only)* | 279.2483% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 4,759 |
| Loan loss allowance to noncurrent loans | 119.5578% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 2.1577% | 467 |
| Noncurrent loans to loans | 0.6258% | 2,523 |
| Net loans and leases to total assets | 73.7926% | 2,018 |
| Net loans and leases to deposits | 81.5448% | 2,870 |
| Net loans and leases to core deposits | 83.2496% | 3,220 |
| Total domestic deposits to total assets | 90.4933% | 349 |
| Equity capital to assets | 8.5478% | 4,895 |
| Core capital (leverage) ratio | 8.1854% | 5,259 |
| Tier 1 risk-based capital ratio | 11.3639% | 4,865 |
| Total risk-based capital ratio | 12.1478% | 4,987 |
| Memoranda: | ||
| Average total assets | $130,282,500 | 3,677 |
| Average earning assets | $119,814,750 | 3,682 |
| Average equity | $11,369,000 | 4,143 |
| Average total loans | $91,504,500 | 3,470 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7505% | 1,381 |
| Cost of funding earning assets | 0.2311% | 4,846 |
| Net interest margin | 4.5195% | 671 |
| Noninterest income to average assets | 1.0777% | 825 |
| Noninterest expense to average assets | 4.1966% | 411 |
| Loan and lease loss provision to assets | 0.1900% | 919 |
| Net operating income to assets | 0.8527% | 3,666 |
| Return on assets (ROA) | 0.8527% | 3,664 |
| Pretax return on assets | 0.8527% | 4,104 |
| Return on Equity (ROE) | 9.7078% | 2,706 |
| Retained earnings to average equity (ytd only) | 3.2706% | 3,933 |
| Net charge-offs to loans | 0.1676% | 927 |
| Credit loss provision to net charge-offs | 164.4737% | 1,486 |
| Earnings coverage of net charge-offs (x) | 9.0263% | 2,426 |
| Efficiency ratio | 80.0986% | 1,010 |
| Assets per employee ($millions) | 2.5655% | 5,318 |
| Cash dividends to net income (ytd only)* | 66.3102% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 4,454 |
| Loan loss allowance to noncurrent loans | 140.4181% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 2.0736% | 501 |
| Noncurrent loans to loans | 0.6216% | 2,556 |
| Net loans and leases to total assets | 69.9629% | 2,589 |
| Net loans and leases to deposits | 76.8755% | 3,265 |
| Net loans and leases to core deposits | 78.6855% | 3,520 |
| Total domestic deposits to total assets | 91.0080% | 246 |
| Equity capital to assets | 8.8766% | 4,667 |
| Core capital (leverage) ratio | 8.4888% | 5,119 |
| Tier 1 risk-based capital ratio | 12.4753% | 4,201 |
| Total risk-based capital ratio | 13.3893% | 4,288 |
| Memoranda: | ||
| Average total assets | $131,582,000 | 3,683 |
| Average earning assets | $121,165,000 | 3,684 |
| Average equity | $11,557,670 | 4,143 |
| Average total loans | $90,684,330 | 3,502 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 1,561 |
| Cost of funding earning assets | 0.2226% | 4,877 |
| Net interest margin | 4.3803% | 800 |
| Noninterest income to average assets | 1.0458% | 833 |
| Noninterest expense to average assets | 4.1317% | 445 |
| Loan and lease loss provision to assets | 0.2274% | 693 |
| Net operating income to assets | 0.7427% | 3,933 |
| Return on assets (ROA) | 0.7427% | 3,935 |
| Pretax return on assets | 0.7427% | 4,318 |
| Return on Equity (ROE) | 8.4999% | 3,152 |
| Retained earnings to average equity (ytd only) | 7.2857% | 2,155 |
| Net charge-offs to loans | 0.3383% | 453 |
| Credit loss provision to net charge-offs | 98.6842% | 1,609 |
| Earnings coverage of net charge-offs (x) | 4.2105% | 2,321 |
| Efficiency ratio | 80.9863% | 1,043 |
| Assets per employee ($millions) | 2.6895% | 5,336 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 4,669 |
| Loan loss allowance to noncurrent loans | 227.0270% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 1.8022% | 677 |
| Noncurrent loans to loans | 0.3712% | 3,454 |
| Net loans and leases to total assets | 64.8501% | 3,193 |
| Net loans and leases to deposits | 70.9394% | 3,710 |
| Net loans and leases to core deposits | 72.9985% | 3,883 |
| Total domestic deposits to total assets | 91.4163% | 203 |
| Equity capital to assets | 8.4824% | 4,987 |
| Core capital (leverage) ratio | 8.7845% | 4,908 |
| Tier 1 risk-based capital ratio | 12.9985% | 3,944 |
| Total risk-based capital ratio | 13.8900% | 4,055 |
| Memoranda: | ||
| Average total assets | $131,954,000 | 3,717 |
| Average earning assets | $122,184,500 | 3,711 |
| Average equity | $11,529,500 | 4,189 |
| Average total loans | $89,854,500 | 3,546 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0815% | 554 |
| Cost of funding earning assets | 0.2164% | 4,814 |
| Net interest margin | 4.8651% | 298 |
| Noninterest income to average assets | 1.2109% | 710 |
| Noninterest expense to average assets | 4.5584% | 302 |
| Loan and lease loss provision to assets | 0.1941% | 1,082 |
| Net operating income to assets | 0.8784% | 2,826 |
| Return on assets (ROA) | 0.8784% | 2,846 |
| Pretax return on assets | 0.8784% | 3,981 |
| Return on Equity (ROE) | 9.2042% | 2,210 |
| Retained earnings to average equity (ytd only) | 3.2980% | 3,325 |
| Net charge-offs to loans | 0.0514% | 2,770 |
| Credit loss provision to net charge-offs | 479.1667% | 654 |
| Earnings coverage of net charge-offs (x) | 26.4792% | 1,676 |
| Efficiency ratio | 80.9531% | 1,018 |
| Assets per employee ($millions) | 2.4373% | 5,480 |
| Cash dividends to net income (ytd only)* | 64.1691% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8411% | 4,696 |
| Loan loss allowance to noncurrent loans | 299.2095% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 1.8873% | 627 |
| Noncurrent loans to loans | 0.2811% | 3,776 |
| Net loans and leases to total assets | 70.4137% | 2,463 |
| Net loans and leases to deposits | 77.5204% | 3,171 |
| Net loans and leases to core deposits | 79.9754% | 3,421 |
| Total domestic deposits to total assets | 90.8325% | 285 |
| Equity capital to assets | 9.0137% | 4,704 |
| Core capital (leverage) ratio | 9.0091% | 4,641 |
| Tier 1 risk-based capital ratio | 12.5329% | 4,188 |
| Total risk-based capital ratio | 13.4104% | 4,319 |
| Memoranda: | ||
| Average total assets | $118,506,200 | 3,923 |
| Average earning assets | $107,664,200 | 3,955 |
| Average equity | $11,310,000 | 4,257 |
| Average total loans | $93,361,400 | 3,464 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 478 |
| Cost of funding earning assets | 0.2072% | 4,914 |
| Net interest margin | 4.9199% | 265 |
| Noninterest income to average assets | 1.2583% | 664 |
| Noninterest expense to average assets | 4.4711% | 323 |
| Loan and lease loss provision to assets | 0.1775% | 1,133 |
| Net operating income to assets | 1.0683% | 2,239 |
| Return on assets (ROA) | 1.0683% | 2,284 |
| Pretax return on assets | 1.0683% | 3,428 |
| Return on Equity (ROE) | 11.0266% | 1,690 |
| Retained earnings to average equity (ytd only) | 4.8810% | 2,962 |
| Net charge-offs to loans | 0.0665% | 2,172 |
| Credit loss provision to net charge-offs | 329.7872% | 909 |
| Earnings coverage of net charge-offs (x) | 23.1471% | 1,827 |
| Efficiency ratio | 78.2095% | 1,308 |
| Assets per employee ($millions) | 2.3754% | 5,559 |
| Cash dividends to net income (ytd only)* | 55.7345% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7278% | 5,079 |
| Loan loss allowance to noncurrent loans | 60.3890% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 3.0900% | 285 |
| Noncurrent loans to loans | 1.2052% | 1,580 |
| Net loans and leases to total assets | 78.4371% | 1,208 |
| Net loans and leases to deposits | 86.9394% | 2,191 |
| Net loans and leases to core deposits | 89.7979% | 2,628 |
| Total domestic deposits to total assets | 90.2205% | 404 |
| Equity capital to assets | 9.6532% | 4,291 |
| Core capital (leverage) ratio | 8.9948% | 4,744 |
| Tier 1 risk-based capital ratio | 11.9892% | 4,630 |
| Total risk-based capital ratio | 12.7437% | 4,859 |
| Memoranda: | ||
| Average total assets | $116,447,500 | 3,991 |
| Average earning assets | $105,528,500 | 4,035 |
| Average equity | $11,281,500 | 4,300 |
| Average total loans | $94,201,750 | 3,478 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 516 |
| Cost of funding earning assets | 0.1946% | 5,031 |
| Net interest margin | 4.8641% | 280 |
| Noninterest income to average assets | 1.2622% | 650 |
| Noninterest expense to average assets | 4.5646% | 296 |
| Loan and lease loss provision to assets | 0.1556% | 1,288 |
| Net operating income to assets | 0.9492% | 2,665 |
| Return on assets (ROA) | 0.9492% | 2,721 |
| Pretax return on assets | 0.9492% | 3,766 |
| Return on Equity (ROE) | 9.7858% | 2,132 |
| Retained earnings to average equity (ytd only) | 4.2779% | 3,162 |
| Net charge-offs to loans | 0.0933% | 1,687 |
| Credit loss provision to net charge-offs | 204.5455% | 1,252 |
| Earnings coverage of net charge-offs (x) | 14.5227% | 2,068 |
| Efficiency ratio | 80.5124% | 1,160 |
| Assets per employee ($millions) | 2.2253% | 5,637 |
| Cash dividends to net income (ytd only)* | 56.2842% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6657% | 5,273 |
| Loan loss allowance to noncurrent loans | 68.7708% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 2.9166% | 323 |
| Noncurrent loans to loans | 0.9680% | 2,028 |
| Net loans and leases to total assets | 80.0790% | 942 |
| Net loans and leases to deposits | 88.8575% | 1,883 |
| Net loans and leases to core deposits | 91.4244% | 2,382 |
| Total domestic deposits to total assets | 90.1207% | 499 |
| Equity capital to assets | 9.7583% | 4,169 |
| Core capital (leverage) ratio | 9.2699% | 4,399 |
| Tier 1 risk-based capital ratio | 11.9629% | 4,656 |
| Total risk-based capital ratio | 12.6585% | 4,910 |
| Memoranda: | ||
| Average total assets | $115,673,670 | 4,029 |
| Average earning assets | $104,809,330 | 4,078 |
| Average equity | $11,220,330 | 4,322 |
| Average total loans | $94,321,670 | 3,488 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0290% | 499 |
| Cost of funding earning assets | 0.1919% | 5,048 |
| Net interest margin | 4.8371% | 297 |
| Noninterest income to average assets | 1.3281% | 584 |
| Noninterest expense to average assets | 4.4928% | 337 |
| Loan and lease loss provision to assets | 0.1556% | 1,168 |
| Net operating income to assets | 1.0376% | 2,130 |
| Return on assets (ROA) | 1.0376% | 2,179 |
| Pretax return on assets | 1.0376% | 3,209 |
| Return on Equity (ROE) | 10.7291% | 1,662 |
| Retained earnings to average equity (ytd only) | 9.4774% | 927 |
| Net charge-offs to loans | 0.0337% | 2,106 |
| Credit loss provision to net charge-offs | 562.5000% | 535 |
| Earnings coverage of net charge-offs (x) | 43.1250% | 980 |
| Efficiency ratio | 79.0146% | 1,485 |
| Assets per employee ($millions) | 2.2456% | 5,701 |
| Cash dividends to net income (ytd only)* | 11.6667% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6513% | 5,399 |
| Loan loss allowance to noncurrent loans | 143.6620% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 2.5323% | 450 |
| Noncurrent loans to loans | 0.4534% | 3,474 |
| Net loans and leases to total assets | 79.9414% | 839 |
| Net loans and leases to deposits | 88.6439% | 1,717 |
| Net loans and leases to core deposits | 91.6256% | 2,204 |
| Total domestic deposits to total assets | 90.1827% | 581 |
| Equity capital to assets | 9.6915% | 4,077 |
| Core capital (leverage) ratio | 9.2860% | 4,365 |
| Tier 1 risk-based capital ratio | 11.9645% | 4,738 |
| Total risk-based capital ratio | 12.6485% | 4,990 |
| Memoranda: | ||
| Average total assets | $115,652,000 | 4,067 |
| Average earning assets | $104,195,000 | 4,122 |
| Average equity | $11,184,500 | 4,352 |
| Average total loans | $94,839,500 | 3,504 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 851 |
| Cost of funding earning assets | 0.1980% | 5,030 |
| Net interest margin | 4.6245% | 484 |
| Noninterest income to average assets | 1.2728% | 699 |
| Noninterest expense to average assets | 4.7392% | 309 |
| Loan and lease loss provision to assets | 0.0844% | 2,670 |
| Net operating income to assets | 0.6676% | 3,918 |
| Return on assets (ROA) | 0.6676% | 4,033 |
| Pretax return on assets | 0.6676% | 4,596 |
| Return on Equity (ROE) | 6.8711% | 3,535 |
| Retained earnings to average equity (ytd only) | -22.1508% | 5,863 |
| Net charge-offs to loans | 0.1427% | 1,835 |
| Credit loss provision to net charge-offs | 76.3359% | 3,037 |
| Earnings coverage of net charge-offs (x) | 6.8015% | 3,122 |
| Efficiency ratio | 86.3049% | 800 |
| Assets per employee ($millions) | 2.2457% | 5,748 |
| Cash dividends to net income (ytd only)* | 422.3767% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6007% | 5,528 |
| Loan loss allowance to noncurrent loans | 128.6353% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 2.5207% | 471 |
| Noncurrent loans to loans | 0.4670% | 3,482 |
| Net loans and leases to total assets | 83.0710% | 477 |
| Net loans and leases to deposits | 92.0768% | 1,446 |
| Net loans and leases to core deposits | 95.5980% | 1,957 |
| Total domestic deposits to total assets | 90.2192% | 553 |
| Equity capital to assets | 9.6498% | 4,118 |
| Core capital (leverage) ratio | 8.8141% | 4,953 |
| Tier 1 risk-based capital ratio | 11.3795% | 5,129 |
| Total risk-based capital ratio | 12.0062% | 5,358 |
| Memoranda: | ||
| Average total assets | $118,480,400 | 4,025 |
| Average earning assets | $108,077,600 | 4,040 |
| Average equity | $11,512,000 | 4,334 |
| Average total loans | $91,820,400 | 3,539 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7291% | 1,015 |
| Cost of funding earning assets | 0.1935% | 5,134 |
| Net interest margin | 4.5356% | 578 |
| Noninterest income to average assets | 1.2834% | 707 |
| Noninterest expense to average assets | 4.6003% | 353 |
| Loan and lease loss provision to assets | 0.1116% | 2,064 |
| Net operating income to assets | 0.7310% | 3,689 |
| Return on assets (ROA) | 0.7310% | 3,824 |
| Pretax return on assets | 0.7310% | 4,526 |
| Return on Equity (ROE) | 7.5111% | 3,289 |
| Retained earnings to average equity (ytd only) | -29.1498% | 5,941 |
| Net charge-offs to loans | 0.1277% | 1,682 |
| Credit loss provision to net charge-offs | 114.9425% | 2,161 |
| Earnings coverage of net charge-offs (x) | 8.6779% | 2,742 |
| Efficiency ratio | 84.5192% | 948 |
| Assets per employee ($millions) | 2.3308% | 5,796 |
| Cash dividends to net income (ytd only)* | 488.0924% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 5,509 |
| Loan loss allowance to noncurrent loans | 160.7792% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 2.3308% | 607 |
| Noncurrent loans to loans | 0.4102% | 3,806 |
| Net loans and leases to total assets | 76.9315% | 1,376 |
| Net loans and leases to deposits | 84.7642% | 2,395 |
| Net loans and leases to core deposits | 86.9805% | 2,850 |
| Total domestic deposits to total assets | 90.7594% | 254 |
| Equity capital to assets | 9.1251% | 5,048 |
| Core capital (leverage) ratio | 8.8507% | 5,001 |
| Tier 1 risk-based capital ratio | 11.6741% | 4,994 |
| Total risk-based capital ratio | 12.3658% | 5,217 |
| Memoranda: | ||
| Average total assets | $119,467,750 | 4,031 |
| Average earning assets | $109,559,500 | 4,036 |
| Average equity | $11,627,000 | 4,352 |
| Average total loans | $90,846,250 | 3,578 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 1,049 |
| Cost of funding earning assets | 0.1934% | 5,203 |
| Net interest margin | 4.5057% | 614 |
| Noninterest income to average assets | 1.3239% | 651 |
| Noninterest expense to average assets | 4.8062% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6712% | 3,954 |
| Return on assets (ROA) | 0.6712% | 4,092 |
| Pretax return on assets | 0.6712% | 4,706 |
| Return on Equity (ROE) | 6.7536% | 3,665 |
| Retained earnings to average equity (ytd only) | -43.3649% | 6,031 |
| Net charge-offs to loans | 0.0178% | 3,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 49.8750% | 998 |
| Efficiency ratio | 87.7457% | 737 |
| Assets per employee ($millions) | 2.2251% | 5,887 |
| Cash dividends to net income (ytd only)* | 742.1053% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6678% | 5,578 |
| Loan loss allowance to noncurrent loans | 271.8182% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 2.3319% | 635 |
| Noncurrent loans to loans | 0.2457% | 4,471 |
| Net loans and leases to total assets | 74.0248% | 1,835 |
| Net loans and leases to deposits | 81.6460% | 2,747 |
| Net loans and leases to core deposits | 84.1447% | 3,069 |
| Total domestic deposits to total assets | 90.6655% | 267 |
| Equity capital to assets | 9.1880% | 5,079 |
| Core capital (leverage) ratio | 8.7186% | 5,149 |
| Tier 1 risk-based capital ratio | 11.9238% | 4,878 |
| Total risk-based capital ratio | 12.6076% | 5,141 |
| Memoranda: | ||
| Average total assets | $118,889,000 | 4,065 |
| Average earning assets | $109,595,670 | 4,065 |
| Average equity | $11,816,000 | 4,349 |
| Average total loans | $89,840,670 | 3,618 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 1,242 |
| Cost of funding earning assets | 0.2010% | 5,197 |
| Net interest margin | 4.4064% | 731 |
| Noninterest income to average assets | 1.1906% | 775 |
| Noninterest expense to average assets | 4.8269% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4431% | 4,851 |
| Return on assets (ROA) | 0.4431% | 4,934 |
| Pretax return on assets | 0.4431% | 5,221 |
| Return on Equity (ROE) | 4.2937% | 4,782 |
| Retained earnings to average equity (ytd only) | -91.6421% | 6,105 |
| Net charge-offs to loans | -0.0178% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5918% | 576 |
| Assets per employee ($millions) | 2.0695% | 5,980 |
| Cash dividends to net income (ytd only)* | 2,234.3511% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6646% | 5,660 |
| Loan loss allowance to noncurrent loans | 30.0197% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 3.5896% | 302 |
| Noncurrent loans to loans | 2.2137% | 921 |
| Net loans and leases to total assets | 78.6782% | 997 |
| Net loans and leases to deposits | 86.9135% | 1,954 |
| Net loans and leases to core deposits | 89.8955% | 2,385 |
| Total domestic deposits to total assets | 90.5247% | 423 |
| Equity capital to assets | 9.3243% | 4,866 |
| Core capital (leverage) ratio | 8.6531% | 5,230 |
| Tier 1 risk-based capital ratio | 11.6254% | 5,155 |
| Total risk-based capital ratio | 12.3211% | 5,375 |
| Memoranda: | ||
| Average total assets | $118,255,000 | 4,112 |
| Average earning assets | $109,477,000 | 4,100 |
| Average equity | $12,204,000 | 4,296 |
| Average total loans | $89,989,000 | 3,619 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9499% | 687 |
| Cost of funding earning assets | 0.2367% | 4,929 |
| Net interest margin | 4.7132% | 440 |
| Noninterest income to average assets | 1.1121% | 947 |
| Noninterest expense to average assets | 5.2134% | 242 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1491% | 5,678 |
| Return on assets (ROA) | 0.1491% | 5,730 |
| Pretax return on assets | 0.1491% | 5,752 |
| Return on Equity (ROE) | 1.2859% | 5,724 |
| Retained earnings to average equity (ytd only) | -1.2494% | 5,687 |
| Net charge-offs to loans | 0.2761% | 1,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.6902% | 4,193 |
| Efficiency ratio | 97.2200% | 360 |
| Assets per employee ($millions) | 2.1539% | 6,013 |
| Cash dividends to net income (ytd only)* | 197.1591% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6872% | 5,654 |
| Loan loss allowance to noncurrent loans | 65.5135% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 2.5311% | 610 |
| Noncurrent loans to loans | 1.0489% | 2,237 |
| Net loans and leases to total assets | 72.6096% | 1,953 |
| Net loans and leases to deposits | 81.9080% | 2,597 |
| Net loans and leases to core deposits | 84.6619% | 2,919 |
| Total domestic deposits to total assets | 88.6477% | 1,311 |
| Equity capital to assets | 11.2768% | 2,564 |
| Core capital (leverage) ratio | 10.7292% | 2,679 |
| Tier 1 risk-based capital ratio | 15.1027% | 3,131 |
| Total risk-based capital ratio | 15.8073% | 3,325 |
| Memoranda: | ||
| Average total assets | $118,060,200 | 4,096 |
| Average earning assets | $106,467,600 | 4,132 |
| Average equity | $13,686,800 | 4,016 |
| Average total loans | $92,343,200 | 3,537 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 605 |
| Cost of funding earning assets | 0.2485% | 4,896 |
| Net interest margin | 4.7624% | 406 |
| Noninterest income to average assets | 1.1003% | 995 |
| Noninterest expense to average assets | 5.1585% | 251 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2067% | 5,665 |
| Return on assets (ROA) | 0.2067% | 5,728 |
| Pretax return on assets | 0.2067% | 5,781 |
| Return on Equity (ROE) | 1.7702% | 5,720 |
| Retained earnings to average equity (ytd only) | -0.6905% | 5,715 |
| Net charge-offs to loans | 0.3384% | 775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.7679% | 3,914 |
| Efficiency ratio | 96.1481% | 414 |
| Assets per employee ($millions) | 2.1299% | 6,104 |
| Cash dividends to net income (ytd only)* | 139.0093% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6530% | 5,815 |
| Loan loss allowance to noncurrent loans | 62.0896% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 2.6267% | 632 |
| Noncurrent loans to loans | 1.0517% | 2,381 |
| Net loans and leases to total assets | 79.5932% | 869 |
| Net loans and leases to deposits | 90.0899% | 1,638 |
| Net loans and leases to core deposits | 93.9113% | 2,082 |
| Total domestic deposits to total assets | 88.3487% | 1,381 |
| Equity capital to assets | 11.4878% | 2,517 |
| Core capital (leverage) ratio | 11.1310% | 2,371 |
| Tier 1 risk-based capital ratio | 14.0405% | 3,820 |
| Total risk-based capital ratio | 14.7099% | 4,089 |
| Memoranda: | ||
| Average total assets | $117,420,500 | 4,154 |
| Average earning assets | $105,155,250 | 4,203 |
| Average equity | $13,708,000 | 4,065 |
| Average total loans | $93,382,250 | 3,547 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0621% | 544 |
| Cost of funding earning assets | 0.2595% | 4,838 |
| Net interest margin | 4.8026% | 363 |
| Noninterest income to average assets | 1.0411% | 1,094 |
| Noninterest expense to average assets | 5.2328% | 248 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0856% | 5,893 |
| Return on assets (ROA) | 0.0856% | 5,938 |
| Pretax return on assets | 0.0856% | 5,943 |
| Return on Equity (ROE) | 0.7294% | 5,934 |
| Retained earnings to average equity (ytd only) | -2.7425% | 5,900 |
| Net charge-offs to loans | 0.4835% | 520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.2232% | 3,687 |
| Efficiency ratio | 98.3902% | 369 |
| Assets per employee ($millions) | 2.1311% | 6,185 |
| Cash dividends to net income (ytd only)* | 476.0000% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7030% | 5,813 |
| Loan loss allowance to noncurrent loans | 126.8924% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 4.1626% | 308 |
| Noncurrent loans to loans | 0.5540% | 3,796 |
| Net loans and leases to total assets | 76.7654% | 1,260 |
| Net loans and leases to deposits | 86.9838% | 1,945 |
| Net loans and leases to core deposits | 90.7391% | 2,270 |
| Total domestic deposits to total assets | 88.2526% | 1,518 |
| Equity capital to assets | 11.5904% | 2,339 |
| Core capital (leverage) ratio | 10.9654% | 2,462 |
| Tier 1 risk-based capital ratio | 14.2982% | 3,764 |
| Total risk-based capital ratio | 15.0002% | 4,003 |
| Memoranda: | ||
| Average total assets | $116,802,670 | 4,209 |
| Average earning assets | $104,027,330 | 4,270 |
| Average equity | $13,710,000 | 4,097 |
| Average total loans | $92,657,000 | 3,586 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1902% | 412 |
| Cost of funding earning assets | 0.2675% | 4,824 |
| Net interest margin | 4.9228% | 287 |
| Noninterest income to average assets | 1.0978% | 939 |
| Noninterest expense to average assets | 5.4100% | 238 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0446% | 5,960 |
| Return on assets (ROA) | 0.0446% | 6,004 |
| Pretax return on assets | 0.0446% | 6,002 |
| Return on Equity (ROE) | 0.3776% | 6,003 |
| Retained earnings to average equity (ytd only) | -0.0290% | 5,382 |
| Net charge-offs to loans | -0.0085% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1824% | 389 |
| Assets per employee ($millions) | 2.0764% | 6,263 |
| Cash dividends to net income (ytd only)* | 107.6923% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 5,262 |
| Loan loss allowance to noncurrent loans | 248.7032% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 4.6766% | 274 |
| Noncurrent loans to loans | 0.3806% | 4,454 |
| Net loans and leases to total assets | 77.6574% | 972 |
| Net loans and leases to deposits | 88.2845% | 1,587 |
| Net loans and leases to core deposits | 92.1335% | 1,935 |
| Total domestic deposits to total assets | 87.9627% | 1,848 |
| Equity capital to assets | 11.8438% | 2,156 |
| Core capital (leverage) ratio | 11.0801% | 2,334 |
| Tier 1 risk-based capital ratio | 14.6393% | 3,630 |
| Total risk-based capital ratio | 15.5993% | 3,725 |
| Memoranda: | ||
| Average total assets | $116,599,500 | 4,245 |
| Average earning assets | $103,194,000 | 4,321 |
| Average equity | $13,772,500 | 4,117 |
| Average total loans | $93,679,000 | 3,567 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9847% | 800 |
| Cost of funding earning assets | 0.2763% | 5,037 |
| Net interest margin | 4.7085% | 515 |
| Noninterest income to average assets | 1.2627% | 757 |
| Noninterest expense to average assets | 4.9782% | 310 |
| Loan and lease loss provision to assets | -0.0416% | 6,004 |
| Net operating income to assets | 0.6555% | 4,110 |
| Return on assets (ROA) | 0.6555% | 4,214 |
| Pretax return on assets | 0.6555% | 4,771 |
| Return on Equity (ROE) | 5.8540% | 4,223 |
| Retained earnings to average equity (ytd only) | 3.7266% | 3,562 |
| Net charge-offs to loans | -0.3421% | 6,347 |
| Credit loss provision to net charge-offs | 15.2439% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0229% | 914 |
| Assets per employee ($millions) | 2.0878% | 6,350 |
| Cash dividends to net income (ytd only)* | 36.3405% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 5,490 |
| Loan loss allowance to noncurrent loans | 158.8561% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 4.8410% | 297 |
| Noncurrent loans to loans | 0.5634% | 3,979 |
| Net loans and leases to total assets | 81.5385% | 571 |
| Net loans and leases to deposits | 92.6157% | 1,229 |
| Net loans and leases to core deposits | 96.6200% | 1,670 |
| Total domestic deposits to total assets | 88.0396% | 1,751 |
| Equity capital to assets | 11.7800% | 2,190 |
| Core capital (leverage) ratio | 10.8217% | 2,593 |
| Tier 1 risk-based capital ratio | 14.1320% | 4,013 |
| Total risk-based capital ratio | 15.0565% | 4,163 |
| Memoranda: | ||
| Average total assets | $120,062,600 | 4,176 |
| Average earning assets | $110,397,000 | 4,174 |
| Average equity | $13,443,800 | 4,113 |
| Average total loans | $95,882,600 | 3,506 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 1,003 |
| Cost of funding earning assets | 0.2767% | 5,132 |
| Net interest margin | 4.5867% | 635 |
| Noninterest income to average assets | 1.2379% | 793 |
| Noninterest expense to average assets | 4.7894% | 361 |
| Loan and lease loss provision to assets | 0.2482% | 875 |
| Net operating income to assets | 0.4612% | 5,029 |
| Return on assets (ROA) | 0.4612% | 5,105 |
| Pretax return on assets | 0.4612% | 5,431 |
| Return on Equity (ROE) | 4.1711% | 5,100 |
| Retained earnings to average equity (ytd only) | 1.4569% | 5,316 |
| Net charge-offs to loans | 0.3938% | 1,010 |
| Credit loss provision to net charge-offs | 79.5053% | 2,604 |
| Earnings coverage of net charge-offs (x) | 2.2721% | 3,957 |
| Efficiency ratio | 87.0987% | 1,087 |
| Assets per employee ($millions) | 2.2444% | 6,366 |
| Cash dividends to net income (ytd only)* | 65.0721% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5431% | 6,290 |
| Loan loss allowance to noncurrent loans | 18.5972% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 4.4803% | 406 |
| Noncurrent loans to loans | 2.9203% | 925 |
| Net loans and leases to total assets | 79.3287% | 795 |
| Net loans and leases to deposits | 89.3806% | 1,493 |
| Net loans and leases to core deposits | 93.0645% | 1,949 |
| Total domestic deposits to total assets | 88.7538% | 1,375 |
| Equity capital to assets | 11.0712% | 2,879 |
| Core capital (leverage) ratio | 10.5542% | 2,976 |
| Tier 1 risk-based capital ratio | 14.0776% | 4,157 |
| Total risk-based capital ratio | 14.6548% | 4,542 |
| Memoranda: | ||
| Average total assets | $120,848,500 | 4,200 |
| Average earning assets | $112,263,500 | 4,166 |
| Average equity | $13,361,500 | 4,155 |
| Average total loans | $95,804,500 | 3,536 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8339% | 1,015 |
| Cost of funding earning assets | 0.2793% | 5,197 |
| Net interest margin | 4.5546% | 633 |
| Noninterest income to average assets | 1.2540% | 743 |
| Noninterest expense to average assets | 4.7228% | 383 |
| Loan and lease loss provision to assets | 0.2485% | 886 |
| Net operating income to assets | 0.5235% | 4,720 |
| Return on assets (ROA) | 0.5235% | 4,812 |
| Pretax return on assets | 0.5235% | 5,210 |
| Return on Equity (ROE) | 4.7367% | 4,797 |
| Retained earnings to average equity (ytd only) | 0.8844% | 5,395 |
| Net charge-offs to loans | 0.4230% | 965 |
| Credit loss provision to net charge-offs | 74.2574% | 2,399 |
| Earnings coverage of net charge-offs (x) | 2.3069% | 3,579 |
| Efficiency ratio | 85.9512% | 1,274 |
| Assets per employee ($millions) | 2.1803% | 6,446 |
| Cash dividends to net income (ytd only)* | 81.3291% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5623% | 6,355 |
| Loan loss allowance to noncurrent loans | 16.2137% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 4.5641% | 423 |
| Noncurrent loans to loans | 3.4681% | 769 |
| Net loans and leases to total assets | 78.3071% | 873 |
| Net loans and leases to deposits | 88.3135% | 1,558 |
| Net loans and leases to core deposits | 92.4442% | 1,906 |
| Total domestic deposits to total assets | 88.6695% | 1,556 |
| Equity capital to assets | 11.1170% | 2,771 |
| Core capital (leverage) ratio | 10.5821% | 2,842 |
| Tier 1 risk-based capital ratio | 14.3861% | 3,998 |
| Total risk-based capital ratio | 14.9867% | 4,371 |
| Memoranda: | ||
| Average total assets | $120,732,330 | 4,220 |
| Average earning assets | $112,413,670 | 4,179 |
| Average equity | $13,342,670 | 4,159 |
| Average total loans | $95,516,330 | 3,553 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8487% | 949 |
| Cost of funding earning assets | 0.2865% | 5,207 |
| Net interest margin | 4.5623% | 594 |
| Noninterest income to average assets | 1.2613% | 694 |
| Noninterest expense to average assets | 4.7185% | 379 |
| Loan and lease loss provision to assets | 0.2476% | 872 |
| Net operating income to assets | 0.5547% | 4,434 |
| Return on assets (ROA) | 0.5547% | 4,508 |
| Pretax return on assets | 0.5547% | 4,994 |
| Return on Equity (ROE) | 5.0343% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.5848% | 3,369 |
| Net charge-offs to loans | -0.0083% | 4,979 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4665% | 1,503 |
| Assets per employee ($millions) | 2.1059% | 6,542 |
| Cash dividends to net income (ytd only)* | 8.9286% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6979% | 6,286 |
| Loan loss allowance to noncurrent loans | 14.1601% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 3.8160% | 649 |
| Noncurrent loans to loans | 4.9285% | 456 |
| Net loans and leases to total assets | 76.8865% | 894 |
| Net loans and leases to deposits | 86.6140% | 1,520 |
| Net loans and leases to core deposits | 90.5770% | 1,867 |
| Total domestic deposits to total assets | 88.7691% | 1,796 |
| Equity capital to assets | 10.9910% | 2,720 |
| Core capital (leverage) ratio | 10.7273% | 2,673 |
| Tier 1 risk-based capital ratio | 14.7818% | 3,827 |
| Total risk-based capital ratio | 15.5432% | 4,084 |
| Memoranda: | ||
| Average total assets | $121,141,000 | 4,251 |
| Average earning assets | $113,102,000 | 4,196 |
| Average equity | $13,348,500 | 4,177 |
| Average total loans | $96,058,000 | 3,551 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0881% | 779 |
| Cost of funding earning assets | 0.3176% | 5,446 |
| Net interest margin | 4.7705% | 455 |
| Noninterest income to average assets | 1.2782% | 845 |
| Noninterest expense to average assets | 4.3376% | 609 |
| Loan and lease loss provision to assets | 0.7493% | 296 |
| Net operating income to assets | 0.6448% | 4,054 |
| Return on assets (ROA) | 0.6448% | 4,164 |
| Pretax return on assets | 0.6448% | 4,722 |
| Return on Equity (ROE) | 5.9311% | 4,126 |
| Retained earnings to average equity (ytd only) | 1.0208% | 5,382 |
| Net charge-offs to loans | 1.0599% | 535 |
| Credit loss provision to net charge-offs | 88.0952% | 2,819 |
| Earnings coverage of net charge-offs (x) | 1.6390% | 4,506 |
| Efficiency ratio | 75.6783% | 2,832 |
| Assets per employee ($millions) | 2.2248% | 6,554 |
| Cash dividends to net income (ytd only)* | 82.7889% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5977% | 6,476 |
| Loan loss allowance to noncurrent loans | 50.0429% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 0.9697% | 3,478 |
| Noncurrent loans to loans | 1.1943% | 3,155 |
| Net loans and leases to total assets | 80.7079% | 524 |
| Net loans and leases to deposits | 90.8861% | 1,166 |
| Net loans and leases to core deposits | 95.8510% | 1,466 |
| Total domestic deposits to total assets | 88.8011% | 1,753 |
| Equity capital to assets | 11.0474% | 2,569 |
| Core capital (leverage) ratio | 10.2426% | 3,225 |
| Tier 1 risk-based capital ratio | 14.2962% | 4,085 |
| Total risk-based capital ratio | 14.9545% | 4,461 |
| Memoranda: | ||
| Average total assets | $123,454,800 | 4,202 |
| Average earning assets | $115,249,800 | 4,154 |
| Average equity | $13,420,800 | 4,178 |
| Average total loans | $99,065,400 | 3,467 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0815% | 797 |
| Cost of funding earning assets | 0.3222% | 5,527 |
| Net interest margin | 4.7593% | 462 |
| Noninterest income to average assets | 1.3013% | 877 |
| Noninterest expense to average assets | 4.2439% | 662 |
| Loan and lease loss provision to assets | 0.3487% | 921 |
| Net operating income to assets | 1.1457% | 1,829 |
| Return on assets (ROA) | 1.1457% | 1,900 |
| Pretax return on assets | 1.1457% | 2,914 |
| Return on Equity (ROE) | 10.5808% | 1,970 |
| Retained earnings to average equity (ytd only) | 4.2006% | 3,696 |
| Net charge-offs to loans | 0.4827% | 1,330 |
| Credit loss provision to net charge-offs | 90.2778% | 2,632 |
| Earnings coverage of net charge-offs (x) | 3.8694% | 3,595 |
| Efficiency ratio | 73.9577% | 3,078 |
| Assets per employee ($millions) | 2.3347% | 6,576 |
| Cash dividends to net income (ytd only)* | 60.3001% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6885% | 6,456 |
| Loan loss allowance to noncurrent loans | 83.2921% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6409% | 4,517 |
| Noncurrent loans to loans | 0.8266% | 4,182 |
| Net loans and leases to total assets | 76.9992% | 874 |
| Net loans and leases to deposits | 86.4565% | 1,567 |
| Net loans and leases to core deposits | 90.9249% | 1,880 |
| Total domestic deposits to total assets | 89.0612% | 1,525 |
| Equity capital to assets | 10.7548% | 3,009 |
| Core capital (leverage) ratio | 10.4098% | 3,100 |
| Tier 1 risk-based capital ratio | 14.5740% | 4,033 |
| Total risk-based capital ratio | 15.3316% | 4,316 |
| Memoranda: | ||
| Average total assets | $124,284,250 | 4,221 |
| Average earning assets | $115,867,500 | 4,180 |
| Average equity | $13,458,000 | 4,223 |
| Average total loans | $99,446,000 | 3,489 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1166% | 749 |
| Cost of funding earning assets | 0.3259% | 5,604 |
| Net interest margin | 4.7908% | 439 |
| Noninterest income to average assets | 1.3696% | 838 |
| Noninterest expense to average assets | 4.2219% | 679 |
| Loan and lease loss provision to assets | 0.2425% | 1,537 |
| Net operating income to assets | 1.3744% | 1,132 |
| Return on assets (ROA) | 1.3744% | 1,215 |
| Pretax return on assets | 1.3744% | 2,020 |
| Return on Equity (ROE) | 12.6636% | 1,326 |
| Retained earnings to average equity (ytd only) | 6.2722% | 2,279 |
| Net charge-offs to loans | 0.0260% | 4,333 |
| Credit loss provision to net charge-offs | 1,153.8462% | 270 |
| Earnings coverage of net charge-offs (x) | 76.9231% | 590 |
| Efficiency ratio | 72.3068% | 3,417 |
| Assets per employee ($millions) | 2.3116% | 6,632 |
| Cash dividends to net income (ytd only)* | 50.4706% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 6,261 |
| Loan loss allowance to noncurrent loans | 94.5190% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7162% | 4,431 |
| Noncurrent loans to loans | 0.8943% | 4,138 |
| Net loans and leases to total assets | 79.4075% | 592 |
| Net loans and leases to deposits | 89.2517% | 1,209 |
| Net loans and leases to core deposits | 93.2220% | 1,599 |
| Total domestic deposits to total assets | 88.9703% | 1,648 |
| Equity capital to assets | 10.8598% | 2,885 |
| Core capital (leverage) ratio | 10.6506% | 2,715 |
| Tier 1 risk-based capital ratio | 14.2192% | 4,274 |
| Total risk-based capital ratio | 15.1474% | 4,463 |
| Memoranda: | ||
| Average total assets | $123,687,670 | 4,261 |
| Average earning assets | $115,388,670 | 4,222 |
| Average equity | $13,424,330 | 4,259 |
| Average total loans | $100,011,670 | 3,493 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 712 |
| Cost of funding earning assets | 0.3239% | 5,772 |
| Net interest margin | 4.7994% | 405 |
| Noninterest income to average assets | 1.4458% | 735 |
| Noninterest expense to average assets | 4.2626% | 656 |
| Loan and lease loss provision to assets | 0.1624% | 2,239 |
| Net operating income to assets | 1.4978% | 860 |
| Return on assets (ROA) | 1.4978% | 939 |
| Pretax return on assets | 1.4978% | 1,559 |
| Return on Equity (ROE) | 13.8039% | 997 |
| Retained earnings to average equity (ytd only) | 13.3847% | 508 |
| Net charge-offs to loans | 0.0200% | 3,758 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 102.2000% | 375 |
| Efficiency ratio | 71.9693% | 3,619 |
| Assets per employee ($millions) | 2.2594% | 6,735 |
| Cash dividends to net income (ytd only)* | 3.0369% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7534% | 6,527 |
| Loan loss allowance to noncurrent loans | 107.5714% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 4,957 |
| Noncurrent loans to loans | 0.7004% | 4,726 |
| Net loans and leases to total assets | 81.2983% | 324 |
| Net loans and leases to deposits | 94.2890% | 652 |
| Net loans and leases to core deposits | 98.7201% | 1,032 |
| Total domestic deposits to total assets | 86.2224% | 3,402 |
| Equity capital to assets | 11.1319% | 2,812 |
| Core capital (leverage) ratio | 10.9556% | 2,299 |
| Tier 1 risk-based capital ratio | 14.2426% | 4,330 |
| Total risk-based capital ratio | 15.0695% | 4,598 |
| Memoranda: | ||
| Average total assets | $123,118,000 | 4,327 |
| Average earning assets | $114,847,000 | 4,267 |
| Average equity | $13,358,500 | 4,313 |
| Average total loans | $100,034,000 | 3,502 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4515% | 686 |
| Cost of funding earning assets | 0.4076% | 5,864 |
| Net interest margin | 5.0439% | 358 |
| Noninterest income to average assets | 1.3374% | 865 |
| Noninterest expense to average assets | 4.3996% | 625 |
| Loan and lease loss provision to assets | 0.1677% | 3,520 |
| Net operating income to assets | 1.4498% | 1,005 |
| Return on assets (ROA) | 1.4498% | 1,122 |
| Pretax return on assets | 1.4498% | 1,852 |
| Return on Equity (ROE) | 13.0838% | 1,206 |
| Retained earnings to average equity (ytd only) | 1.7632% | 4,973 |
| Net charge-offs to loans | 0.0580% | 5,117 |
| Credit loss provision to net charge-offs | 357.1429% | 683 |
| Earnings coverage of net charge-offs (x) | 34.4464% | 908 |
| Efficiency ratio | 73.1187% | 3,221 |
| Assets per employee ($millions) | 2.2183% | 6,822 |
| Cash dividends to net income (ytd only)* | 86.5240% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7071% | 6,626 |
| Loan loss allowance to noncurrent loans | 364.9485% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 6,169 |
| Noncurrent loans to loans | 0.1938% | 5,981 |
| Net loans and leases to total assets | 80.0275% | 470 |
| Net loans and leases to deposits | 92.1200% | 902 |
| Net loans and leases to core deposits | 96.3277% | 1,272 |
| Total domestic deposits to total assets | 86.8731% | 2,899 |
| Equity capital to assets | 10.5735% | 3,435 |
| Core capital (leverage) ratio | 10.6226% | 2,631 |
| Tier 1 risk-based capital ratio | 13.8379% | 4,508 |
| Total risk-based capital ratio | 14.6202% | 4,797 |
| Memoranda: | ||
| Average total assets | $119,260,400 | 4,373 |
| Average earning assets | $110,647,600 | 4,321 |
| Average equity | $13,214,800 | 4,312 |
| Average total loans | $96,529,800 | 3,605 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4825% | 709 |
| Cost of funding earning assets | 0.4268% | 5,952 |
| Net interest margin | 5.0557% | 368 |
| Noninterest income to average assets | 1.3252% | 840 |
| Noninterest expense to average assets | 4.3958% | 604 |
| Loan and lease loss provision to assets | 0.1412% | 3,766 |
| Net operating income to assets | 1.4720% | 1,070 |
| Return on assets (ROA) | 1.4720% | 1,195 |
| Pretax return on assets | 1.4720% | 1,992 |
| Return on Equity (ROE) | 13.1267% | 1,309 |
| Retained earnings to average equity (ytd only) | 6.0647% | 2,663 |
| Net charge-offs to loans | 0.0530% | 4,911 |
| Credit loss provision to net charge-offs | 328.9474% | 813 |
| Earnings coverage of net charge-offs (x) | 37.5755% | 926 |
| Efficiency ratio | 73.1528% | 3,125 |
| Assets per employee ($millions) | 2.1183% | 6,956 |
| Cash dividends to net income (ytd only)* | 53.7987% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6416% | 6,817 |
| Loan loss allowance to noncurrent loans | 217.0000% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 6,003 |
| Noncurrent loans to loans | 0.2957% | 5,903 |
| Net loans and leases to total assets | 83.5002% | 251 |
| Net loans and leases to deposits | 94.1846% | 781 |
| Net loans and leases to core deposits | 97.8360% | 1,279 |
| Total domestic deposits to total assets | 88.6559% | 1,620 |
| Equity capital to assets | 11.1843% | 3,055 |
| Core capital (leverage) ratio | 11.1458% | 2,258 |
| Tier 1 risk-based capital ratio | 14.0027% | 4,516 |
| Total risk-based capital ratio | 14.7098% | 4,866 |
| Memoranda: | ||
| Average total assets | $118,019,000 | 4,445 |
| Average earning assets | $109,338,750 | 4,410 |
| Average equity | $13,234,750 | 4,352 |
| Average total loans | $95,631,500 | 3,663 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5217% | 686 |
| Cost of funding earning assets | 0.4429% | 6,014 |
| Net interest margin | 5.0788% | 351 |
| Noninterest income to average assets | 1.3304% | 802 |
| Noninterest expense to average assets | 4.3275% | 634 |
| Loan and lease loss provision to assets | 0.1708% | 3,397 |
| Net operating income to assets | 1.5319% | 944 |
| Return on assets (ROA) | 1.5319% | 1,060 |
| Pretax return on assets | 1.5319% | 1,773 |
| Return on Equity (ROE) | 13.6478% | 1,199 |
| Retained earnings to average equity (ytd only) | 5.9490% | 2,740 |
| Net charge-offs to loans | 0.0534% | 4,661 |
| Credit loss provision to net charge-offs | 400.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 39.8800% | 879 |
| Efficiency ratio | 71.7644% | 3,469 |
| Assets per employee ($millions) | 2.0308% | 7,045 |
| Cash dividends to net income (ytd only)* | 56.4103% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6863% | 6,841 |
| Loan loss allowance to noncurrent loans | 109.9828% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5339% | 5,429 |
| Noncurrent loans to loans | 0.6240% | 5,263 |
| Net loans and leases to total assets | 79.8858% | 524 |
| Net loans and leases to deposits | 90.3708% | 1,112 |
| Net loans and leases to core deposits | 94.3129% | 1,569 |
| Total domestic deposits to total assets | 88.3978% | 1,888 |
| Equity capital to assets | 11.4838% | 2,610 |
| Core capital (leverage) ratio | 11.0026% | 2,288 |
| Tier 1 risk-based capital ratio | 14.7685% | 3,918 |
| Total risk-based capital ratio | 15.5127% | 4,223 |
| Memoranda: | ||
| Average total assets | $117,111,670 | 4,477 |
| Average earning assets | $108,372,000 | 4,452 |
| Average equity | $13,145,000 | 4,368 |
| Average total loans | $93,685,330 | 3,720 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5120% | 741 |
| Cost of funding earning assets | 0.4514% | 6,135 |
| Net interest margin | 5.0606% | 359 |
| Noninterest income to average assets | 1.3753% | 766 |
| Noninterest expense to average assets | 4.4520% | 572 |
| Loan and lease loss provision to assets | 0.0849% | 4,319 |
| Net operating income to assets | 1.5213% | 984 |
| Return on assets (ROA) | 1.5213% | 1,107 |
| Pretax return on assets | 1.5213% | 1,820 |
| Return on Equity (ROE) | 13.7097% | 1,249 |
| Retained earnings to average equity (ytd only) | 10.3435% | 1,188 |
| Net charge-offs to loans | 0.0128% | 4,521 |
| Credit loss provision to net charge-offs | 833.3333% | 417 |
| Earnings coverage of net charge-offs (x) | 157.6667% | 231 |
| Efficiency ratio | 73.4865% | 3,179 |
| Assets per employee ($millions) | 2.0243% | 7,113 |
| Cash dividends to net income (ytd only)* | 24.5536% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6337% | 6,950 |
| Loan loss allowance to noncurrent loans | 630.1075% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 6,602 |
| Noncurrent loans to loans | 0.1006% | 6,508 |
| Net loans and leases to total assets | 78.2634% | 567 |
| Net loans and leases to deposits | 88.3480% | 1,124 |
| Net loans and leases to core deposits | 92.1276% | 1,639 |
| Total domestic deposits to total assets | 88.5853% | 1,962 |
| Equity capital to assets | 11.2767% | 2,646 |
| Core capital (leverage) ratio | 10.8628% | 2,374 |
| Tier 1 risk-based capital ratio | 14.7468% | 3,928 |
| Total risk-based capital ratio | 15.4311% | 4,309 |
| Memoranda: | ||
| Average total assets | $117,790,500 | 4,497 |
| Average earning assets | $108,999,500 | 4,459 |
| Average equity | $13,071,000 | 4,396 |
| Average total loans | $93,973,000 | 3,738 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2440% | 1,900 |
| Cost of funding earning assets | 0.5913% | 6,125 |
| Net interest margin | 4.6526% | 828 |
| Noninterest income to average assets | 1.1717% | 957 |
| Noninterest expense to average assets | 4.4475% | 613 |
| Loan and lease loss provision to assets | 0.2316% | 3,885 |
| Net operating income to assets | 0.7539% | 3,245 |
| Return on assets (ROA) | 0.7539% | 3,408 |
| Pretax return on assets | 0.7539% | 4,139 |
| Return on Equity (ROE) | 8.6194% | 2,625 |
| Retained earnings to average equity (ytd only) | 4.5553% | 2,937 |
| Net charge-offs to loans | 0.2352% | 4,313 |
| Credit loss provision to net charge-offs | 130.3318% | 2,350 |
| Earnings coverage of net charge-offs (x) | 5.5450% | 2,758 |
| Efficiency ratio | 81.8605% | 2,043 |
| Assets per employee ($millions) | 2.1486% | 7,101 |
| Cash dividends to net income (ytd only)* | 47.1508% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5908% | 7,024 |
| Loan loss allowance to noncurrent loans | 38.6831% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 1.2651% | 4,112 |
| Noncurrent loans to loans | 1.5272% | 3,860 |
| Net loans and leases to total assets | 80.3133% | 461 |
| Net loans and leases to deposits | 90.2904% | 1,127 |
| Net loans and leases to core deposits | 94.1024% | 1,683 |
| Total domestic deposits to total assets | 88.9499% | 1,569 |
| Equity capital to assets | 10.9181% | 3,058 |
| Core capital (leverage) ratio | 10.2407% | 3,042 |
| Tier 1 risk-based capital ratio | 14.1469% | 4,222 |
| Total risk-based capital ratio | 14.7961% | 4,634 |
| Memoranda: | ||
| Average total assets | $118,717,800 | 4,438 |
| Average earning assets | $108,734,800 | 4,427 |
| Average equity | $10,383,600 | 4,928 |
| Average total loans | $89,711,600 | 3,863 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 2,123 |
| Cost of funding earning assets | 0.6188% | 6,195 |
| Net interest margin | 4.6031% | 938 |
| Noninterest income to average assets | 1.1712% | 961 |
| Noninterest expense to average assets | 4.4210% | 618 |
| Loan and lease loss provision to assets | 0.0280% | 6,085 |
| Net operating income to assets | 0.9277% | 2,635 |
| Return on assets (ROA) | 0.9277% | 2,784 |
| Pretax return on assets | 0.9277% | 3,662 |
| Return on Equity (ROE) | 11.3045% | 1,758 |
| Retained earnings to average equity (ytd only) | 6.7662% | 2,101 |
| Net charge-offs to loans | 0.1239% | 4,802 |
| Credit loss provision to net charge-offs | 30.4878% | 5,407 |
| Earnings coverage of net charge-offs (x) | 10.3903% | 1,925 |
| Efficiency ratio | 82.2241% | 1,944 |
| Assets per employee ($millions) | 2.2775% | 7,091 |
| Cash dividends to net income (ytd only)* | 40.1455% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4735% | 7,180 |
| Loan loss allowance to noncurrent loans | 59.7035% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0412% | 4,675 |
| Noncurrent loans to loans | 0.7931% | 5,291 |
| Net loans and leases to total assets | 73.0073% | 1,505 |
| Net loans and leases to deposits | 81.3722% | 2,469 |
| Net loans and leases to core deposits | 84.5094% | 2,984 |
| Total domestic deposits to total assets | 89.7202% | 1,026 |
| Equity capital to assets | 10.1331% | 4,176 |
| Core capital (leverage) ratio | 10.1967% | 3,197 |
| Tier 1 risk-based capital ratio | 13.5654% | 4,694 |
| Total risk-based capital ratio | 14.0535% | 5,231 |
| Memoranda: | ||
| Average total assets | $118,854,500 | 4,461 |
| Average earning assets | $108,590,000 | 4,467 |
| Average equity | $9,754,000 | 5,107 |
| Average total loans | $88,271,750 | 3,941 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 1,977 |
| Cost of funding earning assets | 0.6571% | 6,192 |
| Net interest margin | 4.6183% | 880 |
| Noninterest income to average assets | 1.1970% | 899 |
| Noninterest expense to average assets | 4.5533% | 563 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8865% | 2,704 |
| Return on assets (ROA) | 0.8865% | 2,808 |
| Pretax return on assets | 0.8865% | 3,673 |
| Return on Equity (ROE) | 11.8197% | 1,548 |
| Retained earnings to average equity (ytd only) | 7.2206% | 1,777 |
| Net charge-offs to loans | 0.1063% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 11.1739% | 1,738 |
| Efficiency ratio | 83.7032% | 1,855 |
| Assets per employee ($millions) | 2.0512% | 7,268 |
| Cash dividends to net income (ytd only)* | 38.9105% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5111% | 7,218 |
| Loan loss allowance to noncurrent loans | 597.3684% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 5,792 |
| Noncurrent loans to loans | 0.0856% | 6,769 |
| Net loans and leases to total assets | 75.5880% | 1,140 |
| Net loans and leases to deposits | 81.8910% | 2,472 |
| Net loans and leases to core deposits | 85.7395% | 2,944 |
| Total domestic deposits to total assets | 92.3032% | 184 |
| Equity capital to assets | 7.5566% | 6,920 |
| Core capital (leverage) ratio | 7.0420% | 6,981 |
| Tier 1 risk-based capital ratio | 10.0430% | 6,958 |
| Total risk-based capital ratio | 10.5975% | 7,132 |
| Memoranda: | ||
| Average total assets | $115,958,670 | 4,561 |
| Average earning assets | $106,531,670 | 4,547 |
| Average equity | $8,697,330 | 5,410 |
| Average total loans | $86,509,670 | 4,033 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2092% | 2,191 |
| Cost of funding earning assets | 0.6906% | 6,189 |
| Net interest margin | 4.5186% | 1,030 |
| Noninterest income to average assets | 1.1812% | 919 |
| Noninterest expense to average assets | 4.6069% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7447% | 3,302 |
| Return on assets (ROA) | 0.7447% | 3,369 |
| Pretax return on assets | 0.7447% | 4,123 |
| Return on Equity (ROE) | 9.9670% | 2,107 |
| Retained earnings to average equity (ytd only) | 9.9670% | 1,120 |
| Net charge-offs to loans | 0.1031% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 9.7727% | 1,692 |
| Efficiency ratio | 86.0841% | 1,706 |
| Assets per employee ($millions) | 2.0845% | 7,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5591% | 7,246 |
| Loan loss allowance to noncurrent loans | 110.1382% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 6,197 |
| Noncurrent loans to loans | 0.5076% | 6,004 |
| Net loans and leases to total assets | 72.8339% | 1,544 |
| Net loans and leases to deposits | 78.8791% | 2,916 |
| Net loans and leases to core deposits | 82.8831% | 3,328 |
| Total domestic deposits to total assets | 92.3362% | 205 |
| Equity capital to assets | 7.4839% | 6,875 |
| Core capital (leverage) ratio | 7.1495% | 6,940 |
| Tier 1 risk-based capital ratio | 10.3933% | 6,869 |
| Total risk-based capital ratio | 11.0048% | 7,086 |
| Memoranda: | ||
| Average total assets | $115,479,000 | 4,605 |
| Average earning assets | $106,581,500 | 4,577 |
| Average equity | $8,628,500 | 5,429 |
| Average total loans | $85,349,500 | 4,094 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5526% | 2,075 |
| Cost of funding earning assets | 0.9591% | 5,892 |
| Net interest margin | 4.5935% | 1,027 |
| Noninterest income to average assets | 1.2719% | 912 |
| Noninterest expense to average assets | 4.7934% | 503 |
| Loan and lease loss provision to assets | 0.0891% | 6,253 |
| Net operating income to assets | 0.6284% | 3,542 |
| Return on assets (ROA) | 0.6284% | 3,704 |
| Pretax return on assets | 0.6284% | 4,232 |
| Return on Equity (ROE) | 8.4693% | 2,512 |
| Retained earnings to average equity (ytd only) | 3.2195% | 3,612 |
| Net charge-offs to loans | 0.1988% | 5,098 |
| Credit loss provision to net charge-offs | 59.1716% | 6,095 |
| Earnings coverage of net charge-offs (x) | 4.7633% | 2,814 |
| Efficiency ratio | 86.9804% | 1,571 |
| Assets per employee ($millions) | 2.1967% | 7,304 |
| Cash dividends to net income (ytd only)* | 61.9858% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5868% | 7,280 |
| Loan loss allowance to noncurrent loans | 290.6977% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 6,772 |
| Noncurrent loans to loans | 0.2019% | 6,661 |
| Net loans and leases to total assets | 74.1517% | 1,630 |
| Net loans and leases to deposits | 80.2786% | 3,120 |
| Net loans and leases to core deposits | 84.8751% | 3,473 |
| Total domestic deposits to total assets | 92.3679% | 206 |
| Equity capital to assets | 7.4596% | 6,903 |
| Core capital (leverage) ratio | 6.7831% | 7,114 |
| Tier 1 risk-based capital ratio | 10.1734% | 6,893 |
| Total risk-based capital ratio | 10.8165% | 7,130 |
| Memoranda: | ||
| Average total assets | $112,194,800 | 4,653 |
| Average earning assets | $103,537,800 | 4,620 |
| Average equity | $8,324,200 | 5,610 |
| Average total loans | $85,013,000 | 4,183 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5830% | 2,128 |
| Cost of funding earning assets | 1.0038% | 5,922 |
| Net interest margin | 4.5792% | 1,088 |
| Noninterest income to average assets | 1.2678% | 857 |
| Noninterest expense to average assets | 4.7704% | 456 |
| Loan and lease loss provision to assets | 0.1194% | 5,836 |
| Net operating income to assets | 0.5933% | 3,902 |
| Return on assets (ROA) | 0.5933% | 4,063 |
| Pretax return on assets | 0.5933% | 4,618 |
| Return on Equity (ROE) | 8.0079% | 2,898 |
| Retained earnings to average equity (ytd only) | 1.9335% | 4,990 |
| Net charge-offs to loans | 0.2119% | 4,666 |
| Credit loss provision to net charge-offs | 74.0741% | 5,313 |
| Earnings coverage of net charge-offs (x) | 4.4221% | 3,058 |
| Efficiency ratio | 87.0020% | 1,531 |
| Assets per employee ($millions) | 2.0903% | 7,474 |
| Cash dividends to net income (ytd only)* | 75.8545% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6292% | 7,311 |
| Loan loss allowance to noncurrent loans | 445.0000% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 7,014 |
| Noncurrent loans to loans | 0.1414% | 6,894 |
| Net loans and leases to total assets | 73.3611% | 1,937 |
| Net loans and leases to deposits | 79.2887% | 3,581 |
| Net loans and leases to core deposits | 83.9891% | 3,938 |
| Total domestic deposits to total assets | 92.5239% | 129 |
| Equity capital to assets | 7.2830% | 7,237 |
| Core capital (leverage) ratio | 6.8495% | 7,233 |
| Tier 1 risk-based capital ratio | 9.8278% | 7,148 |
| Total risk-based capital ratio | 10.5040% | 7,325 |
| Memoranda: | ||
| Average total assets | $111,686,500 | 4,723 |
| Average earning assets | $102,810,250 | 4,699 |
| Average equity | $8,275,000 | 5,700 |
| Average total loans | $84,965,750 | 4,257 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6730% | 1,862 |
| Cost of funding earning assets | 1.0481% | 5,926 |
| Net interest margin | 4.6249% | 939 |
| Noninterest income to average assets | 1.3690% | 673 |
| Noninterest expense to average assets | 4.8249% | 430 |
| Loan and lease loss provision to assets | 0.1808% | 5,058 |
| Net operating income to assets | 0.6167% | 3,800 |
| Return on assets (ROA) | 0.6167% | 3,936 |
| Pretax return on assets | 0.6167% | 4,522 |
| Return on Equity (ROE) | 8.2744% | 2,775 |
| Retained earnings to average equity (ytd only) | -0.8735% | 5,944 |
| Net charge-offs to loans | 0.2659% | 4,011 |
| Credit loss provision to net charge-offs | 88.4956% | 4,463 |
| Earnings coverage of net charge-offs (x) | 3.9027% | 3,131 |
| Efficiency ratio | 85.8154% | 1,732 |
| Assets per employee ($millions) | 2.0308% | 7,565 |
| Cash dividends to net income (ytd only)* | 110.5572% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6698% | 7,302 |
| Loan loss allowance to noncurrent loans | 173.7500% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 6,615 |
| Noncurrent loans to loans | 0.3855% | 6,470 |
| Net loans and leases to total assets | 73.8220% | 1,946 |
| Net loans and leases to deposits | 79.8609% | 3,617 |
| Net loans and leases to core deposits | 84.7368% | 4,032 |
| Total domestic deposits to total assets | 92.4382% | 158 |
| Equity capital to assets | 7.3568% | 7,191 |
| Core capital (leverage) ratio | 6.7799% | 7,293 |
| Tier 1 risk-based capital ratio | 9.9065% | 7,076 |
| Total risk-based capital ratio | 10.6307% | 7,311 |
| Memoranda: | ||
| Average total assets | $110,593,000 | 4,785 |
| Average earning assets | $101,710,000 | 4,753 |
| Average equity | $8,242,330 | 5,714 |
| Average total loans | $84,996,000 | 4,294 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5571% | 2,338 |
| Cost of funding earning assets | 1.0681% | 6,051 |
| Net interest margin | 4.4890% | 1,171 |
| Noninterest income to average assets | 1.3449% | 665 |
| Noninterest expense to average assets | 4.6091% | 511 |
| Loan and lease loss provision to assets | 0.3635% | 3,190 |
| Net operating income to assets | 0.5125% | 4,334 |
| Return on assets (ROA) | 0.5125% | 4,474 |
| Pretax return on assets | 0.5125% | 4,917 |
| Return on Equity (ROE) | 6.8322% | 3,432 |
| Retained earnings to average equity (ytd only) | 0.1454% | 5,766 |
| Net charge-offs to loans | 0.3907% | 2,875 |
| Credit loss provision to net charge-offs | 119.0476% | 2,927 |
| Earnings coverage of net charge-offs (x) | 2.8690% | 3,114 |
| Efficiency ratio | 84.0292% | 2,018 |
| Assets per employee ($millions) | 1.9228% | 7,702 |
| Cash dividends to net income (ytd only)* | 97.8723% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6872% | 7,362 |
| Loan loss allowance to noncurrent loans | 96.6942% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 6,063 |
| Noncurrent loans to loans | 0.7106% | 5,912 |
| Net loans and leases to total assets | 75.8124% | 1,584 |
| Net loans and leases to deposits | 82.0394% | 3,276 |
| Net loans and leases to core deposits | 86.8229% | 3,782 |
| Total domestic deposits to total assets | 92.4097% | 175 |
| Equity capital to assets | 7.4029% | 7,133 |
| Core capital (leverage) ratio | 7.0458% | 7,222 |
| Tier 1 risk-based capital ratio | 9.7277% | 7,196 |
| Total risk-based capital ratio | 10.4721% | 7,421 |
| Memoranda: | ||
| Average total assets | $110,043,000 | 4,871 |
| Average earning assets | $101,492,500 | 4,835 |
| Average equity | $8,255,000 | 5,753 |
| Average total loans | $85,989,000 | 4,321 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0024% | 1,856 |
| Cost of funding earning assets | 1.3203% | 6,241 |
| Net interest margin | 4.6821% | 865 |
| Noninterest income to average assets | 1.3717% | 781 |
| Noninterest expense to average assets | 4.7589% | 628 |
| Loan and lease loss provision to assets | 0.2146% | 5,633 |
| Net operating income to assets | 0.7530% | 2,706 |
| Return on assets (ROA) | 0.9368% | 2,121 |
| Pretax return on assets | 0.9368% | 2,808 |
| Return on Equity (ROE) | 12.1547% | 1,122 |
| Retained earnings to average equity (ytd only) | 1.8401% | 3,807 |
| Net charge-offs to loans | 0.1262% | 5,930 |
| Credit loss provision to net charge-offs | 221.1538% | 1,708 |
| Earnings coverage of net charge-offs (x) | 9.9712% | 1,737 |
| Efficiency ratio | 83.1025% | 2,463 |
| Assets per employee ($millions) | 1.9046% | 7,783 |
| Cash dividends to net income (ytd only)* | 84.8606% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6552% | 7,463 |
| Loan loss allowance to noncurrent loans | 124.2358% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 6,303 |
| Noncurrent loans to loans | 0.5274% | 6,201 |
| Net loans and leases to total assets | 79.4707% | 1,095 |
| Net loans and leases to deposits | 86.1897% | 2,879 |
| Net loans and leases to core deposits | 116.3944% | 2,275 |
| Total domestic deposits to total assets | 92.2045% | 226 |
| Equity capital to assets | 7.6030% | 6,945 |
| Core capital (leverage) ratio | 7.0538% | 7,194 |
| Tier 1 risk-based capital ratio | 9.6255% | 7,138 |
| Total risk-based capital ratio | 10.3423% | 7,450 |
| Memoranda: | ||
| Average total assets | $107,167,800 | 4,896 |
| Average earning assets | $99,677,400 | 4,851 |
| Average equity | $8,260,200 | 5,847 |
| Average total loans | $82,377,400 | 4,435 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0148% | 1,973 |
| Cost of funding earning assets | 1.3784% | 6,307 |
| Net interest margin | 4.6363% | 933 |
| Noninterest income to average assets | 1.3518% | 827 |
| Noninterest expense to average assets | 4.5521% | 698 |
| Loan and lease loss provision to assets | 0.0312% | 7,043 |
| Net operating income to assets | 1.0884% | 1,773 |
| Return on assets (ROA) | 1.3343% | 1,209 |
| Pretax return on assets | 1.3343% | 1,862 |
| Return on Equity (ROE) | 17.2518% | 525 |
| Retained earnings to average equity (ytd only) | 3.5020% | 3,330 |
| Net charge-offs to loans | 0.1756% | 4,992 |
| Credit loss provision to net charge-offs | 23.3645% | 6,546 |
| Earnings coverage of net charge-offs (x) | 8.3834% | 2,253 |
| Efficiency ratio | 80.2597% | 2,802 |
| Assets per employee ($millions) | 2.0404% | 7,768 |
| Cash dividends to net income (ytd only)* | 79.7004% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4282% | 7,794 |
| Loan loss allowance to noncurrent loans | 116.0772% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 6,554 |
| Noncurrent loans to loans | 0.3689% | 6,611 |
| Net loans and leases to total assets | 76.1960% | 1,957 |
| Net loans and leases to deposits | 82.7423% | 3,881 |
| Net loans and leases to core deposits | 109.5107% | 3,294 |
| Total domestic deposits to total assets | 92.0883% | 160 |
| Equity capital to assets | 7.5577% | 7,256 |
| Core capital (leverage) ratio | 7.0756% | 7,379 |
| Tier 1 risk-based capital ratio | 9.7794% | 7,156 |
| Total risk-based capital ratio | 10.2376% | 7,640 |
| Memoranda: | ||
| Average total assets | $106,819,250 | 4,938 |
| Average earning assets | $99,530,250 | 4,879 |
| Average equity | $8,261,750 | 5,897 |
| Average total loans | $81,260,750 | 4,513 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0615% | 1,941 |
| Cost of funding earning assets | 1.4535% | 6,315 |
| Net interest margin | 4.6081% | 939 |
| Noninterest income to average assets | 1.2564% | 971 |
| Noninterest expense to average assets | 4.6207% | 680 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9309% | 2,338 |
| Return on assets (ROA) | 1.3037% | 1,300 |
| Pretax return on assets | 1.3037% | 2,015 |
| Return on Equity (ROE) | 16.7233% | 609 |
| Retained earnings to average equity (ytd only) | 2.7427% | 3,803 |
| Net charge-offs to loans | 0.2492% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 4.9200% | 2,958 |
| Efficiency ratio | 83.2311% | 2,575 |
| Assets per employee ($millions) | 1.8592% | 7,939 |
| Cash dividends to net income (ytd only)* | 83.5994% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4123% | 7,891 |
| Loan loss allowance to noncurrent loans | 127.5093% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 6,609 |
| Noncurrent loans to loans | 0.3233% | 6,700 |
| Net loans and leases to total assets | 76.8350% | 1,981 |
| Net loans and leases to deposits | 83.5968% | 3,954 |
| Net loans and leases to core deposits | 109.8323% | 3,393 |
| Total domestic deposits to total assets | 91.9114% | 227 |
| Equity capital to assets | 7.6351% | 7,148 |
| Core capital (leverage) ratio | 7.2387% | 7,317 |
| Tier 1 risk-based capital ratio | 9.9663% | 6,966 |
| Total risk-based capital ratio | 10.4160% | 7,618 |
| Memoranda: | ||
| Average total assets | $105,699,330 | 4,993 |
| Average earning assets | $98,523,000 | 4,940 |
| Average equity | $8,240,000 | 5,938 |
| Average total loans | $80,243,330 | 4,575 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1847% | 1,647 |
| Cost of funding earning assets | 1.5247% | 6,326 |
| Net interest margin | 4.6601% | 844 |
| Noninterest income to average assets | 1.1583% | 1,094 |
| Noninterest expense to average assets | 4.2969% | 857 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2080% | 1,637 |
| Return on assets (ROA) | 1.2080% | 1,748 |
| Pretax return on assets | 1.2080% | 2,603 |
| Return on Equity (ROE) | 15.3333% | 915 |
| Retained earnings to average equity (ytd only) | -5.9198% | 6,671 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0556% | 3,155 |
| Assets per employee ($millions) | 1.9336% | 7,939 |
| Cash dividends to net income (ytd only)* | 138.6076% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5543% | 7,742 |
| Loan loss allowance to noncurrent loans | 161.0909% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 6,445 |
| Noncurrent loans to loans | 0.3441% | 6,569 |
| Net loans and leases to total assets | 76.1158% | 2,244 |
| Net loans and leases to deposits | 82.8389% | 4,156 |
| Net loans and leases to core deposits | 107.8637% | 3,702 |
| Total domestic deposits to total assets | 91.8841% | 198 |
| Equity capital to assets | 7.8583% | 6,995 |
| Core capital (leverage) ratio | 7.0771% | 7,578 |
| Tier 1 risk-based capital ratio | 9.9294% | 7,004 |
| Total risk-based capital ratio | 10.5265% | 7,581 |
| Memoranda: | ||
| Average total assets | $104,633,500 | 5,052 |
| Average earning assets | $97,595,000 | 4,984 |
| Average equity | $8,243,500 | 5,972 |
| Average total loans | $78,767,500 | 4,652 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9910% | 1,157 |
| Cost of funding earning assets | 2.1080% | 6,014 |
| Net interest margin | 4.8830% | 649 |
| Noninterest income to average assets | 1.2772% | 903 |
| Noninterest expense to average assets | 4.6123% | 807 |
| Loan and lease loss provision to assets | 0.0200% | 7,138 |
| Net operating income to assets | 1.1291% | 2,033 |
| Return on assets (ROA) | 1.1291% | 1,953 |
| Pretax return on assets | 1.1291% | 2,924 |
| Return on Equity (ROE) | 14.2439% | 1,059 |
| Retained earnings to average equity (ytd only) | 3.3716% | 3,057 |
| Net charge-offs to loans | 0.0647% | 5,848 |
| Credit loss provision to net charge-offs | 44.4444% | 6,410 |
| Earnings coverage of net charge-offs (x) | 25.5111% | 1,326 |
| Efficiency ratio | 80.0556% | 2,596 |
| Assets per employee ($millions) | 1.9065% | 7,982 |
| Cash dividends to net income (ytd only)* | 76.3298% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5707% | 7,725 |
| Loan loss allowance to noncurrent loans | 642.0290% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 6,409 |
| Noncurrent loans to loans | 0.0889% | 7,155 |
| Net loans and leases to total assets | 73.6016% | 3,206 |
| Net loans and leases to deposits | 80.1810% | 5,014 |
| Net loans and leases to core deposits | 103.3534% | 4,460 |
| Total domestic deposits to total assets | 91.7944% | 161 |
| Equity capital to assets | 7.8985% | 6,977 |
| Core capital (leverage) ratio | 7.1454% | 7,575 |
| Tier 1 risk-based capital ratio | 10.3697% | 6,345 |
| Total risk-based capital ratio | 10.9831% | 6,948 |
| Memoranda: | ||
| Average total assets | $99,906,600 | 5,049 |
| Average earning assets | $91,746,800 | 5,038 |
| Average equity | $7,919,200 | 6,118 |
| Average total loans | $69,517,800 | 4,890 |