Home > The Farmers Bank > Performance and Condition Ratios
The Farmers Bank, Performance and Condition Ratios
| 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 | 4.3694% | 1,898 |
| Cost of funding earning assets | 0.2503% | 4,703 |
| Net interest margin | 4.1190% | 1,288 |
| Noninterest income to average assets | 0.4807% | 3,254 |
| Noninterest expense to average assets | 1.8081% | 5,645 |
| Loan and lease loss provision to assets | 0.0717% | 2,520 |
| Net operating income to assets | 1.8583% | 431 |
| Return on assets (ROA) | 1.8583% | 460 |
| Pretax return on assets | 2.4969% | 238 |
| Return on Equity (ROE) | 8.8204% | 2,512 |
| Retained earnings to average equity (ytd only) | 8.8204% | 1,169 |
| Net charge-offs to loans | 0.6097% | 363 |
| Credit loss provision to net charge-offs | 21.5054% | 2,288 |
| Earnings coverage of net charge-offs (x) | 7.6989% | 2,126 |
| Efficiency ratio | 41.3115% | 5,936 |
| Assets per employee ($millions) | 4.0005% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 4,508 |
| Loan loss allowance to noncurrent loans | 36.4558% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 1.7659% | 1,062 |
| Noncurrent loans to loans | 2.7893% | 625 |
| Net loans and leases to total assets | 53.0960% | 4,531 |
| Net loans and leases to deposits | 67.6129% | 4,098 |
| Net loans and leases to core deposits | 68.3707% | 4,365 |
| Total domestic deposits to total assets | 78.5295% | 5,055 |
| Equity capital to assets | 21.2027% | 173 |
| Core capital (leverage) ratio | 21.2673% | 157 |
| Tier 1 risk-based capital ratio | 32.2760% | 419 |
| Total risk-based capital ratio | 33.1064% | 429 |
| Memoranda: | ||
| Average total assets | $111,499,500 | 4,232 |
| Average earning assets | $105,461,500 | 4,172 |
| Average equity | $23,491,000 | 2,880 |
| Average total loans | $61,016,000 | 4,344 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6806% | 1,146 |
| Cost of funding earning assets | 0.2630% | 4,667 |
| Net interest margin | 4.4176% | 763 |
| Noninterest income to average assets | 0.6740% | 2,326 |
| Noninterest expense to average assets | 2.2954% | 4,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9706% | 365 |
| Return on assets (ROA) | 1.9706% | 373 |
| Pretax return on assets | 2.5335% | 190 |
| Return on Equity (ROE) | 9.4515% | 2,243 |
| Retained earnings to average equity (ytd only) | 8.3367% | 814 |
| Net charge-offs to loans | 0.0130% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 339.2500% | 205 |
| Efficiency ratio | 47.5353% | 5,858 |
| Assets per employee ($millions) | 3.9638% | 4,003 |
| Cash dividends to net income (ytd only)* | 11.7954% | 4,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 4,031 |
| Loan loss allowance to noncurrent loans | 183.3780% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6190% | 3,211 |
| Noncurrent loans to loans | 0.6021% | 3,368 |
| Net loans and leases to total assets | 55.1985% | 4,364 |
| Net loans and leases to deposits | 70.7266% | 3,832 |
| Net loans and leases to core deposits | 71.7841% | 4,153 |
| Total domestic deposits to total assets | 78.0448% | 5,152 |
| Equity capital to assets | 20.9326% | 184 |
| Core capital (leverage) ratio | 21.3228% | 149 |
| Tier 1 risk-based capital ratio | 30.1046% | 500 |
| Total risk-based capital ratio | 30.9909% | 506 |
| Memoranda: | ||
| Average total assets | $107,125,800 | 4,315 |
| Average earning assets | $100,755,600 | 4,266 |
| Average equity | $22,335,000 | 2,933 |
| Average total loans | $61,749,200 | 4,329 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7117% | 1,076 |
| Cost of funding earning assets | 0.2683% | 4,684 |
| Net interest margin | 4.4435% | 728 |
| Noninterest income to average assets | 0.6531% | 2,463 |
| Noninterest expense to average assets | 2.2720% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8751% | 444 |
| Return on assets (ROA) | 1.8751% | 462 |
| Pretax return on assets | 2.5621% | 217 |
| Return on Equity (ROE) | 9.0030% | 2,580 |
| Retained earnings to average equity (ytd only) | 9.0030% | 906 |
| Net charge-offs to loans | 0.0043% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1,018.7004% | 72 |
| Efficiency ratio | 46.9992% | 5,923 |
| Assets per employee ($millions) | 3.6255% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 4,194 |
| Loan loss allowance to noncurrent loans | 2,229.0323% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 4,450 |
| Noncurrent loans to loans | 0.0496% | 5,415 |
| Net loans and leases to total assets | 58.7727% | 4,044 |
| Net loans and leases to deposits | 75.9772% | 3,305 |
| Net loans and leases to core deposits | 76.5030% | 3,740 |
| Total domestic deposits to total assets | 77.3557% | 5,283 |
| Equity capital to assets | 21.7455% | 164 |
| Core capital (leverage) ratio | 21.5360% | 154 |
| Tier 1 risk-based capital ratio | 29.8807% | 531 |
| Total risk-based capital ratio | 30.7838% | 539 |
| Memoranda: | ||
| Average total assets | $106,161,000 | 4,379 |
| Average earning assets | $99,889,750 | 4,337 |
| Average equity | $22,110,750 | 2,975 |
| Average total loans | $61,700,000 | 4,374 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 1,125 |
| Cost of funding earning assets | 0.2712% | 4,703 |
| Net interest margin | 4.4034% | 755 |
| Noninterest income to average assets | 0.6498% | 2,478 |
| Noninterest expense to average assets | 2.3042% | 4,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8385% | 472 |
| Return on assets (ROA) | 1.8385% | 498 |
| Pretax return on assets | 2.4920% | 254 |
| Return on Equity (ROE) | 8.9570% | 2,571 |
| Retained earnings to average equity (ytd only) | 8.9570% | 933 |
| Net charge-offs to loans | -0.0033% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0423% | 5,957 |
| Assets per employee ($millions) | 3.5665% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 4,293 |
| Loan loss allowance to noncurrent loans | 541.4063% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 4,205 |
| Noncurrent loans to loans | 0.2042% | 4,954 |
| Net loans and leases to total assets | 57.9504% | 4,107 |
| Net loans and leases to deposits | 73.8090% | 3,513 |
| Net loans and leases to core deposits | 74.3026% | 3,935 |
| Total domestic deposits to total assets | 78.5139% | 5,183 |
| Equity capital to assets | 20.8879% | 185 |
| Core capital (leverage) ratio | 20.5287% | 182 |
| Tier 1 risk-based capital ratio | 29.4445% | 573 |
| Total risk-based capital ratio | 30.3576% | 576 |
| Memoranda: | ||
| Average total assets | $106,501,670 | 4,412 |
| Average earning assets | $100,286,000 | 4,362 |
| Average equity | $21,860,000 | 3,011 |
| Average total loans | $61,438,670 | 4,425 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 1,124 |
| Cost of funding earning assets | 0.2724% | 4,759 |
| Net interest margin | 4.3783% | 769 |
| Noninterest income to average assets | 0.6814% | 2,252 |
| Noninterest expense to average assets | 2.3265% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8484% | 443 |
| Return on assets (ROA) | 1.8484% | 470 |
| Pretax return on assets | 2.4695% | 259 |
| Return on Equity (ROE) | 9.0861% | 2,407 |
| Retained earnings to average equity (ytd only) | 9.0861% | 1,169 |
| Net charge-offs to loans | -0.0066% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5086% | 5,992 |
| Assets per employee ($millions) | 3.6222% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 4,295 |
| Loan loss allowance to noncurrent loans | 357.2165% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 3,816 |
| Noncurrent loans to loans | 0.3201% | 4,645 |
| Net loans and leases to total assets | 55.1327% | 4,303 |
| Net loans and leases to deposits | 69.2922% | 3,827 |
| Net loans and leases to core deposits | 69.9867% | 4,158 |
| Total domestic deposits to total assets | 79.5656% | 5,154 |
| Equity capital to assets | 20.1178% | 221 |
| Core capital (leverage) ratio | 20.5671% | 184 |
| Tier 1 risk-based capital ratio | 29.3428% | 577 |
| Total risk-based capital ratio | 30.2730% | 583 |
| Memoranda: | ||
| Average total assets | $106,255,000 | 4,450 |
| Average earning assets | $99,855,000 | 4,400 |
| Average equity | $21,615,500 | 3,058 |
| Average total loans | $60,809,500 | 4,471 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 1,100 |
| Cost of funding earning assets | 0.3346% | 4,441 |
| Net interest margin | 4.4719% | 788 |
| Noninterest income to average assets | 0.7184% | 2,219 |
| Noninterest expense to average assets | 2.4844% | 4,597 |
| Loan and lease loss provision to assets | 0.0038% | 4,527 |
| Net operating income to assets | 1.7813% | 494 |
| Return on assets (ROA) | 1.7813% | 505 |
| Pretax return on assets | 2.4241% | 220 |
| Return on Equity (ROE) | 9.0955% | 2,543 |
| Retained earnings to average equity (ytd only) | 9.0955% | 686 |
| Net charge-offs to loans | 0.0194% | 4,463 |
| Credit loss provision to net charge-offs | 33.3333% | 3,784 |
| Earnings coverage of net charge-offs (x) | 211.5000% | 251 |
| Efficiency ratio | 50.5745% | 6,061 |
| Assets per employee ($millions) | 3.4615% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 4,369 |
| Loan loss allowance to noncurrent loans | 210.9756% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 3,435 |
| Noncurrent loans to loans | 0.5376% | 4,046 |
| Net loans and leases to total assets | 58.0904% | 4,036 |
| Net loans and leases to deposits | 74.1190% | 3,421 |
| Net loans and leases to core deposits | 74.6307% | 3,857 |
| Total domestic deposits to total assets | 78.3745% | 5,366 |
| Equity capital to assets | 20.5787% | 202 |
| Core capital (leverage) ratio | 20.3720% | 199 |
| Tier 1 risk-based capital ratio | 28.6599% | 587 |
| Total risk-based capital ratio | 29.5880% | 583 |
| Memoranda: | ||
| Average total assets | $104,531,800 | 4,492 |
| Average earning assets | $98,033,600 | 4,448 |
| Average equity | $20,471,600 | 3,109 |
| Average total loans | $61,836,000 | 4,435 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 1,143 |
| Cost of funding earning assets | 0.3434% | 4,418 |
| Net interest margin | 4.4375% | 837 |
| Noninterest income to average assets | 0.7551% | 2,072 |
| Noninterest expense to average assets | 2.3367% | 5,007 |
| Loan and lease loss provision to assets | 0.0051% | 4,311 |
| Net operating income to assets | 1.8872% | 430 |
| Return on assets (ROA) | 1.8872% | 444 |
| Pretax return on assets | 2.5761% | 185 |
| Return on Equity (ROE) | 9.7592% | 2,328 |
| Retained earnings to average equity (ytd only) | 9.7592% | 765 |
| Net charge-offs to loans | 0.0279% | 3,936 |
| Credit loss provision to net charge-offs | 30.7692% | 3,442 |
| Earnings coverage of net charge-offs (x) | 155.9492% | 400 |
| Efficiency ratio | 47.5142% | 6,225 |
| Assets per employee ($millions) | 3.4475% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 4,775 |
| Loan loss allowance to noncurrent loans | 329.0476% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.6575% | 3,865 |
| Noncurrent loans to loans | 0.3325% | 4,906 |
| Net loans and leases to total assets | 60.4057% | 3,716 |
| Net loans and leases to deposits | 76.6609% | 3,110 |
| Net loans and leases to core deposits | 77.1884% | 3,618 |
| Total domestic deposits to total assets | 78.7960% | 5,370 |
| Equity capital to assets | 20.2951% | 218 |
| Core capital (leverage) ratio | 19.8077% | 218 |
| Tier 1 risk-based capital ratio | 27.7653% | 658 |
| Total risk-based capital ratio | 28.6793% | 664 |
| Memoranda: | ||
| Average total assets | $104,703,500 | 4,528 |
| Average earning assets | $98,220,000 | 4,489 |
| Average equity | $20,247,000 | 3,143 |
| Average total loans | $62,041,000 | 4,461 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7537% | 1,167 |
| Cost of funding earning assets | 0.3488% | 4,450 |
| Net interest margin | 4.4049% | 841 |
| Noninterest income to average assets | 0.7572% | 2,016 |
| Noninterest expense to average assets | 2.3285% | 5,087 |
| Loan and lease loss provision to assets | 0.0076% | 4,085 |
| Net operating income to assets | 1.8777% | 431 |
| Return on assets (ROA) | 1.8777% | 444 |
| Pretax return on assets | 2.5530% | 191 |
| Return on Equity (ROE) | 9.8703% | 2,214 |
| Retained earnings to average equity (ytd only) | 9.8703% | 749 |
| Net charge-offs to loans | 0.0032% | 4,281 |
| Credit loss provision to net charge-offs | 400.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 1,346.0000% | 36 |
| Efficiency ratio | 47.6265% | 6,306 |
| Assets per employee ($millions) | 3.6542% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 4,795 |
| Loan loss allowance to noncurrent loans | 428.6585% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 4,379 |
| Noncurrent loans to loans | 0.2624% | 5,235 |
| Net loans and leases to total assets | 58.3220% | 3,948 |
| Net loans and leases to deposits | 72.8635% | 3,468 |
| Net loans and leases to core deposits | 73.3443% | 3,909 |
| Total domestic deposits to total assets | 80.0428% | 5,225 |
| Equity capital to assets | 19.3400% | 244 |
| Core capital (leverage) ratio | 19.0513% | 239 |
| Tier 1 risk-based capital ratio | 27.3617% | 679 |
| Total risk-based capital ratio | 28.3002% | 685 |
| Memoranda: | ||
| Average total assets | $105,130,000 | 4,554 |
| Average earning assets | $98,618,330 | 4,507 |
| Average equity | $19,999,330 | 3,169 |
| Average total loans | $61,666,330 | 4,490 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6950% | 1,262 |
| Cost of funding earning assets | 0.3543% | 4,496 |
| Net interest margin | 4.3407% | 921 |
| Noninterest income to average assets | 0.7373% | 2,003 |
| Noninterest expense to average assets | 2.3188% | 5,147 |
| Loan and lease loss provision to assets | 0.0153% | 3,629 |
| Net operating income to assets | 1.8604% | 434 |
| Return on assets (ROA) | 1.8604% | 455 |
| Pretax return on assets | 2.4754% | 230 |
| Return on Equity (ROE) | 9.8625% | 2,094 |
| Retained earnings to average equity (ytd only) | 9.8625% | 999 |
| Net charge-offs to loans | 0.0131% | 3,345 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 146 |
| Efficiency ratio | 48.2129% | 6,346 |
| Assets per employee ($millions) | 3.5628% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 4,996 |
| Loan loss allowance to noncurrent loans | 179.3367% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 3,799 |
| Noncurrent loans to loans | 0.6289% | 4,293 |
| Net loans and leases to total assets | 57.6601% | 3,906 |
| Net loans and leases to deposits | 71.2082% | 3,444 |
| Net loans and leases to core deposits | 71.4195% | 3,930 |
| Total domestic deposits to total assets | 80.9739% | 5,243 |
| Equity capital to assets | 18.7070% | 274 |
| Core capital (leverage) ratio | 19.0356% | 243 |
| Tier 1 risk-based capital ratio | 26.9278% | 714 |
| Total risk-based capital ratio | 27.8746% | 724 |
| Memoranda: | ||
| Average total assets | $104,709,000 | 4,611 |
| Average earning assets | $98,233,000 | 4,558 |
| Average equity | $19,751,500 | 3,196 |
| Average total loans | $61,245,500 | 4,543 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9205% | 1,052 |
| Cost of funding earning assets | 0.4167% | 4,465 |
| Net interest margin | 4.5038% | 730 |
| Noninterest income to average assets | 0.7246% | 2,410 |
| Noninterest expense to average assets | 2.4599% | 4,893 |
| Loan and lease loss provision to assets | 0.8076% | 263 |
| Net operating income to assets | 1.3008% | 1,251 |
| Return on assets (ROA) | 1.3008% | 1,296 |
| Pretax return on assets | 1.6582% | 1,039 |
| Return on Equity (ROE) | 6.7189% | 3,713 |
| Retained earnings to average equity (ytd only) | -0.8474% | 6,037 |
| Net charge-offs to loans | 1.4228% | 341 |
| Credit loss provision to net charge-offs | 95.7176% | 2,613 |
| Earnings coverage of net charge-offs (x) | 2.9225% | 4,021 |
| Efficiency ratio | 49.9405% | 6,400 |
| Assets per employee ($millions) | 3.4178% | 5,044 |
| Cash dividends to net income (ytd only)* | 112.6126% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 4,842 |
| Loan loss allowance to noncurrent loans | 137.5246% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 3,586 |
| Noncurrent loans to loans | 0.8461% | 3,865 |
| Net loans and leases to total assets | 57.9891% | 4,032 |
| Net loans and leases to deposits | 72.3272% | 3,481 |
| Net loans and leases to core deposits | 72.5522% | 4,001 |
| Total domestic deposits to total assets | 80.1761% | 5,404 |
| Equity capital to assets | 19.0261% | 261 |
| Core capital (leverage) ratio | 18.8707% | 250 |
| Tier 1 risk-based capital ratio | 27.0798% | 672 |
| Total risk-based capital ratio | 28.0515% | 684 |
| Memoranda: | ||
| Average total assets | $102,401,000 | 4,687 |
| Average earning assets | $95,519,200 | 4,632 |
| Average equity | $19,824,600 | 3,170 |
| Average total loans | $60,726,200 | 4,593 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 1,163 |
| Cost of funding earning assets | 0.4261% | 4,539 |
| Net interest margin | 4.4536% | 798 |
| Noninterest income to average assets | 0.7541% | 2,349 |
| Noninterest expense to average assets | 2.3405% | 5,213 |
| Loan and lease loss provision to assets | 1.0498% | 155 |
| Net operating income to assets | 1.2230% | 1,554 |
| Return on assets (ROA) | 1.2230% | 1,628 |
| Pretax return on assets | 1.5161% | 1,560 |
| Return on Equity (ROE) | 6.2901% | 4,030 |
| Retained earnings to average equity (ytd only) | -3.7580% | 6,421 |
| Net charge-offs to loans | 1.8838% | 218 |
| Credit loss provision to net charge-offs | 93.7209% | 2,539 |
| Earnings coverage of net charge-offs (x) | 2.2907% | 4,076 |
| Efficiency ratio | 47.7037% | 6,512 |
| Assets per employee ($millions) | 3.3164% | 5,252 |
| Cash dividends to net income (ytd only)* | 159.7442% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 5,370 |
| Loan loss allowance to noncurrent loans | 128.8679% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 1.0745% | 3,511 |
| Noncurrent loans to loans | 0.8449% | 4,135 |
| Net loans and leases to total assets | 62.3608% | 3,293 |
| Net loans and leases to deposits | 77.8352% | 2,696 |
| Net loans and leases to core deposits | 78.0840% | 3,355 |
| Total domestic deposits to total assets | 80.1190% | 5,472 |
| Equity capital to assets | 19.2126% | 242 |
| Core capital (leverage) ratio | 18.5465% | 259 |
| Tier 1 risk-based capital ratio | 26.0753% | 781 |
| Total risk-based capital ratio | 27.0070% | 793 |
| Memoranda: | ||
| Average total assets | $102,368,000 | 4,730 |
| Average earning assets | $95,441,000 | 4,684 |
| Average equity | $19,903,750 | 3,195 |
| Average total loans | $60,868,250 | 4,626 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 1,306 |
| Cost of funding earning assets | 0.4323% | 4,638 |
| Net interest margin | 4.3794% | 883 |
| Noninterest income to average assets | 0.7278% | 2,513 |
| Noninterest expense to average assets | 2.3305% | 5,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8775% | 444 |
| Return on assets (ROA) | 1.8775% | 477 |
| Pretax return on assets | 2.4756% | 283 |
| Return on Equity (ROE) | 9.6198% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.6198% | 935 |
| Net charge-offs to loans | 0.0100% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 426.3333% | 116 |
| Efficiency ratio | 48.4897% | 6,508 |
| Assets per employee ($millions) | 3.1150% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 4,782 |
| Loan loss allowance to noncurrent loans | 61.1667% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.6936% | 2,569 |
| Noncurrent loans to loans | 2.0286% | 2,371 |
| Net loans and leases to total assets | 56.8320% | 4,159 |
| Net loans and leases to deposits | 71.6840% | 3,497 |
| Net loans and leases to core deposits | 71.9072% | 4,053 |
| Total domestic deposits to total assets | 79.2813% | 5,756 |
| Equity capital to assets | 20.0844% | 206 |
| Core capital (leverage) ratio | 19.9170% | 196 |
| Tier 1 risk-based capital ratio | 29.3789% | 555 |
| Total risk-based capital ratio | 30.4233% | 555 |
| Memoranda: | ||
| Average total assets | $103,326,670 | 4,737 |
| Average earning assets | $96,223,000 | 4,694 |
| Average equity | $20,166,670 | 3,191 |
| Average total loans | $60,248,670 | 4,667 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 1,048 |
| Cost of funding earning assets | 0.4356% | 4,749 |
| Net interest margin | 4.4759% | 706 |
| Noninterest income to average assets | 0.6526% | 2,866 |
| Noninterest expense to average assets | 2.3670% | 5,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9384% | 380 |
| Return on assets (ROA) | 1.9384% | 414 |
| Pretax return on assets | 2.4519% | 287 |
| Return on Equity (ROE) | 10.0768% | 2,032 |
| Retained earnings to average equity (ytd only) | 10.0768% | 1,085 |
| Net charge-offs to loans | -0.0066% | 5,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1186% | 6,563 |
| Assets per employee ($millions) | 3.6032% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 5,218 |
| Loan loss allowance to noncurrent loans | 72.9970% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.4594% | 3,069 |
| Noncurrent loans to loans | 1.6325% | 3,091 |
| Net loans and leases to total assets | 58.5614% | 3,683 |
| Net loans and leases to deposits | 72.8962% | 3,068 |
| Net loans and leases to core deposits | 73.1166% | 3,690 |
| Total domestic deposits to total assets | 80.3353% | 5,680 |
| Equity capital to assets | 19.3106% | 247 |
| Core capital (leverage) ratio | 19.4586% | 217 |
| Tier 1 risk-based capital ratio | 27.7327% | 654 |
| Total risk-based capital ratio | 28.7470% | 660 |
| Memoranda: | ||
| Average total assets | $103,592,000 | 4,777 |
| Average earning assets | $96,426,500 | 4,726 |
| Average equity | $19,927,000 | 3,253 |
| Average total loans | $60,795,500 | 4,681 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 858 |
| Cost of funding earning assets | 0.5370% | 4,937 |
| Net interest margin | 4.7977% | 540 |
| Noninterest income to average assets | 0.7549% | 2,469 |
| Noninterest expense to average assets | 2.5848% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.8776% | 448 |
| Return on assets (ROA) | 1.8776% | 495 |
| Pretax return on assets | 2.5423% | 243 |
| Return on Equity (ROE) | 9.6331% | 2,345 |
| Retained earnings to average equity (ytd only) | 3.1348% | 4,033 |
| Net charge-offs to loans | 0.0066% | 5,864 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 627.2500% | 65 |
| Efficiency ratio | 50.4150% | 6,565 |
| Assets per employee ($millions) | 3.2091% | 5,602 |
| Cash dividends to net income (ytd only)* | 67.4582% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 4,957 |
| Loan loss allowance to noncurrent loans | 224.6951% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.8521% | 4,341 |
| Noncurrent loans to loans | 0.5498% | 5,153 |
| Net loans and leases to total assets | 57.3793% | 4,066 |
| Net loans and leases to deposits | 71.9463% | 3,420 |
| Net loans and leases to core deposits | 73.3497% | 3,870 |
| Total domestic deposits to total assets | 79.7530% | 5,731 |
| Equity capital to assets | 19.1602% | 255 |
| Core capital (leverage) ratio | 19.4145% | 215 |
| Tier 1 risk-based capital ratio | 27.3867% | 665 |
| Total risk-based capital ratio | 28.4126% | 664 |
| Memoranda: | ||
| Average total assets | $98,691,800 | 4,868 |
| Average earning assets | $89,939,400 | 4,871 |
| Average equity | $19,235,800 | 3,301 |
| Average total loans | $60,298,000 | 4,698 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4234% | 794 |
| Cost of funding earning assets | 0.5559% | 5,038 |
| Net interest margin | 4.8676% | 503 |
| Noninterest income to average assets | 0.7711% | 2,370 |
| Noninterest expense to average assets | 2.5030% | 5,071 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0063% | 386 |
| Return on assets (ROA) | 2.0063% | 432 |
| Pretax return on assets | 2.6900% | 220 |
| Return on Equity (ROE) | 10.2477% | 2,232 |
| Retained earnings to average equity (ytd only) | 1.5337% | 5,572 |
| Net charge-offs to loans | 0.0022% | 5,743 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1,975.8872% | 15 |
| Efficiency ratio | 48.1997% | 6,708 |
| Assets per employee ($millions) | 2.8669% | 6,265 |
| Cash dividends to net income (ytd only)* | 85.0343% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 5,142 |
| Loan loss allowance to noncurrent loans | 182.7160% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 1.1377% | 4,013 |
| Noncurrent loans to loans | 0.6729% | 5,099 |
| Net loans and leases to total assets | 60.9853% | 3,575 |
| Net loans and leases to deposits | 76.9677% | 2,824 |
| Net loans and leases to core deposits | 77.4773% | 3,538 |
| Total domestic deposits to total assets | 79.2349% | 5,815 |
| Equity capital to assets | 19.7926% | 245 |
| Core capital (leverage) ratio | 19.6970% | 222 |
| Tier 1 risk-based capital ratio | 27.1507% | 733 |
| Total risk-based capital ratio | 28.1921% | 730 |
| Memoranda: | ||
| Average total assets | $97,691,750 | 4,941 |
| Average earning assets | $88,748,250 | 4,949 |
| Average equity | $19,125,750 | 3,334 |
| Average total loans | $60,457,250 | 4,745 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4446% | 806 |
| Cost of funding earning assets | 0.5670% | 5,172 |
| Net interest margin | 4.8777% | 492 |
| Noninterest income to average assets | 0.7549% | 2,397 |
| Noninterest expense to average assets | 2.5245% | 5,053 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.0130% | 388 |
| Return on assets (ROA) | 2.0130% | 443 |
| Pretax return on assets | 2.6656% | 233 |
| Return on Equity (ROE) | 10.3199% | 2,229 |
| Retained earnings to average equity (ytd only) | 2.4541% | 4,961 |
| Net charge-offs to loans | -0.0033% | 6,126 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6401% | 6,735 |
| Assets per employee ($millions) | 2.9830% | 6,097 |
| Cash dividends to net income (ytd only)* | 76.2195% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 5,160 |
| Loan loss allowance to noncurrent loans | 365.5172% | 990 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 4,222 |
| Noncurrent loans to loans | 0.3392% | 5,868 |
| Net loans and leases to total assets | 60.0402% | 3,810 |
| Net loans and leases to deposits | 75.3279% | 3,080 |
| Net loans and leases to core deposits | 76.3191% | 3,734 |
| Total domestic deposits to total assets | 79.7052% | 5,815 |
| Equity capital to assets | 19.6132% | 248 |
| Core capital (leverage) ratio | 19.8293% | 214 |
| Tier 1 risk-based capital ratio | 27.3474% | 698 |
| Total risk-based capital ratio | 28.3984% | 695 |
| Memoranda: | ||
| Average total assets | $97,763,670 | 4,959 |
| Average earning assets | $88,895,000 | 4,967 |
| Average equity | $19,070,000 | 3,347 |
| Average total loans | $60,547,670 | 4,769 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4274% | 875 |
| Cost of funding earning assets | 0.5910% | 5,207 |
| Net interest margin | 4.8364% | 524 |
| Noninterest income to average assets | 0.7144% | 2,585 |
| Noninterest expense to average assets | 2.5127% | 5,108 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0775% | 363 |
| Return on assets (ROA) | 2.0775% | 422 |
| Pretax return on assets | 2.6030% | 289 |
| Return on Equity (ROE) | 10.6799% | 2,154 |
| Retained earnings to average equity (ytd only) | -5.1500% | 6,589 |
| Net charge-offs to loans | -0.0197% | 6,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1172% | 6,730 |
| Assets per employee ($millions) | 3.0811% | 6,000 |
| Cash dividends to net income (ytd only)* | 148.2213% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 5,285 |
| Loan loss allowance to noncurrent loans | 216.2791% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 1.1938% | 4,133 |
| Noncurrent loans to loans | 0.5753% | 5,517 |
| Net loans and leases to total assets | 59.8929% | 3,690 |
| Net loans and leases to deposits | 74.3756% | 3,067 |
| Net loans and leases to core deposits | 75.5943% | 3,675 |
| Total domestic deposits to total assets | 80.5276% | 5,716 |
| Equity capital to assets | 19.0981% | 271 |
| Core capital (leverage) ratio | 19.5881% | 218 |
| Tier 1 risk-based capital ratio | 26.8448% | 745 |
| Total risk-based capital ratio | 27.9055% | 741 |
| Memoranda: | ||
| Average total assets | $97,426,000 | 5,004 |
| Average earning assets | $88,660,500 | 5,002 |
| Average equity | $18,951,500 | 3,355 |
| Average total loans | $60,899,000 | 4,775 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7474% | 707 |
| Cost of funding earning assets | 0.7034% | 5,519 |
| Net interest margin | 5.0440% | 375 |
| Noninterest income to average assets | 0.8500% | 1,845 |
| Noninterest expense to average assets | 2.6865% | 4,797 |
| Loan and lease loss provision to assets | 0.0976% | 5,372 |
| Net operating income to assets | 1.9546% | 337 |
| Return on assets (ROA) | 1.9561% | 358 |
| Pretax return on assets | 2.6886% | 164 |
| Return on Equity (ROE) | 9.7011% | 2,163 |
| Retained earnings to average equity (ytd only) | -3.8305% | 6,361 |
| Net charge-offs to loans | 0.1500% | 4,944 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 28.5269% | 873 |
| Efficiency ratio | 49.1080% | 6,888 |
| Assets per employee ($millions) | 2.9168% | 6,260 |
| Cash dividends to net income (ytd only)* | 139.4850% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,415 |
| Loan loss allowance to noncurrent loans | 56.6514% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 2.2045% | 2,733 |
| Noncurrent loans to loans | 2.1096% | 3,055 |
| Net loans and leases to total assets | 63.6438% | 3,260 |
| Net loans and leases to deposits | 80.5981% | 2,418 |
| Net loans and leases to core deposits | 82.5386% | 3,102 |
| Total domestic deposits to total assets | 78.9644% | 6,002 |
| Equity capital to assets | 19.8149% | 242 |
| Core capital (leverage) ratio | 20.2995% | 188 |
| Tier 1 risk-based capital ratio | 26.6931% | 726 |
| Total risk-based capital ratio | 27.7301% | 726 |
| Memoranda: | ||
| Average total assets | $95,290,200 | 5,033 |
| Average earning assets | $87,292,400 | 5,015 |
| Average equity | $19,214,400 | 3,252 |
| Average total loans | $61,981,200 | 4,794 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8436% | 642 |
| Cost of funding earning assets | 0.7324% | 5,578 |
| Net interest margin | 5.1112% | 331 |
| Noninterest income to average assets | 0.8192% | 1,964 |
| Noninterest expense to average assets | 2.6119% | 5,033 |
| Loan and lease loss provision to assets | 0.0533% | 5,782 |
| Net operating income to assets | 2.0786% | 303 |
| Return on assets (ROA) | 2.0817% | 324 |
| Pretax return on assets | 2.8574% | 157 |
| Return on Equity (ROE) | 10.2787% | 2,105 |
| Retained earnings to average equity (ytd only) | -7.7298% | 6,751 |
| Net charge-offs to loans | 0.0925% | 5,049 |
| Credit loss provision to net charge-offs | 88.3721% | 3,826 |
| Earnings coverage of net charge-offs (x) | 48.1877% | 672 |
| Efficiency ratio | 47.3310% | 6,996 |
| Assets per employee ($millions) | 2.7043% | 6,642 |
| Cash dividends to net income (ytd only)* | 175.2019% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 5,522 |
| Loan loss allowance to noncurrent loans | 124.3243% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 1.5465% | 3,771 |
| Noncurrent loans to loans | 0.9540% | 4,980 |
| Net loans and leases to total assets | 66.6895% | 2,745 |
| Net loans and leases to deposits | 84.8941% | 1,859 |
| Net loans and leases to core deposits | 86.7337% | 2,685 |
| Total domestic deposits to total assets | 78.5561% | 6,085 |
| Equity capital to assets | 20.3302% | 233 |
| Core capital (leverage) ratio | 20.3404% | 203 |
| Tier 1 risk-based capital ratio | 26.5100% | 787 |
| Total risk-based capital ratio | 27.5538% | 783 |
| Memoranda: | ||
| Average total assets | $95,048,750 | 5,075 |
| Average earning assets | $87,387,000 | 5,051 |
| Average equity | $19,249,750 | 3,251 |
| Average total loans | $61,976,000 | 4,832 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7665% | 774 |
| Cost of funding earning assets | 0.7488% | 5,677 |
| Net interest margin | 5.0177% | 385 |
| Noninterest income to average assets | 0.8576% | 1,780 |
| Noninterest expense to average assets | 2.7164% | 4,755 |
| Loan and lease loss provision to assets | 0.0624% | 5,523 |
| Net operating income to assets | 1.9983% | 346 |
| Return on assets (ROA) | 1.9983% | 361 |
| Pretax return on assets | 2.6956% | 191 |
| Return on Equity (ROE) | 9.8789% | 2,161 |
| Retained earnings to average equity (ytd only) | -16.8765% | 7,085 |
| Net charge-offs to loans | 0.1162% | 4,542 |
| Credit loss provision to net charge-offs | 83.3333% | 3,669 |
| Earnings coverage of net charge-offs (x) | 36.8056% | 791 |
| Efficiency ratio | 49.6198% | 6,966 |
| Assets per employee ($millions) | 2.6394% | 6,735 |
| Cash dividends to net income (ytd only)* | 270.8333% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,642 |
| Loan loss allowance to noncurrent loans | 105.7554% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.7104% | 3,630 |
| Noncurrent loans to loans | 1.1124% | 4,810 |
| Net loans and leases to total assets | 66.8341% | 2,852 |
| Net loans and leases to deposits | 84.0080% | 2,108 |
| Net loans and leases to core deposits | 86.4682% | 2,833 |
| Total domestic deposits to total assets | 79.5568% | 5,943 |
| Equity capital to assets | 19.6681% | 280 |
| Core capital (leverage) ratio | 18.5893% | 296 |
| Tier 1 risk-based capital ratio | 25.6962% | 834 |
| Total risk-based capital ratio | 26.7357% | 839 |
| Memoranda: | ||
| Average total assets | $96,082,670 | 5,072 |
| Average earning assets | $88,407,000 | 5,043 |
| Average equity | $19,435,330 | 3,213 |
| Average total loans | $61,949,670 | 4,870 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6788% | 923 |
| Cost of funding earning assets | 0.7436% | 5,903 |
| Net interest margin | 4.9352% | 430 |
| Noninterest income to average assets | 0.8863% | 1,705 |
| Noninterest expense to average assets | 2.5527% | 5,378 |
| Loan and lease loss provision to assets | 0.0817% | 4,985 |
| Net operating income to assets | 2.1157% | 294 |
| Return on assets (ROA) | 2.1157% | 304 |
| Pretax return on assets | 2.8059% | 176 |
| Return on Equity (ROE) | 10.3246% | 1,986 |
| Retained earnings to average equity (ytd only) | 10.3246% | 1,040 |
| Net charge-offs to loans | 0.0454% | 4,486 |
| Credit loss provision to net charge-offs | 285.7143% | 1,113 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 314 |
| Efficiency ratio | 46.9219% | 7,160 |
| Assets per employee ($millions) | 2.8286% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 5,545 |
| Loan loss allowance to noncurrent loans | 332.1586% | 924 |
| Noncurrent assets plus other real estate owned to assets | 1.0313% | 4,849 |
| Noncurrent loans to loans | 0.3664% | 6,263 |
| Net loans and leases to total assets | 61.8139% | 3,895 |
| Net loans and leases to deposits | 78.2210% | 3,019 |
| Net loans and leases to core deposits | 80.6391% | 3,652 |
| Total domestic deposits to total assets | 79.0247% | 6,182 |
| Equity capital to assets | 20.5329% | 229 |
| Core capital (leverage) ratio | 20.5705% | 198 |
| Tier 1 risk-based capital ratio | 28.6439% | 596 |
| Total risk-based capital ratio | 29.7063% | 596 |
| Memoranda: | ||
| Average total assets | $97,935,000 | 5,060 |
| Average earning assets | $90,371,500 | 5,026 |
| Average equity | $20,068,500 | 3,099 |
| Average total loans | $61,687,000 | 4,919 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9858% | 870 |
| Cost of funding earning assets | 0.7904% | 6,611 |
| Net interest margin | 5.1954% | 285 |
| Noninterest income to average assets | 0.9205% | 1,777 |
| Noninterest expense to average assets | 2.7176% | 4,915 |
| Loan and lease loss provision to assets | 0.1954% | 5,277 |
| Net operating income to assets | 2.0070% | 278 |
| Return on assets (ROA) | 2.0086% | 291 |
| Pretax return on assets | 2.7614% | 146 |
| Return on Equity (ROE) | 9.3496% | 2,162 |
| Retained earnings to average equity (ytd only) | 1.3917% | 4,843 |
| Net charge-offs to loans | 0.1947% | 5,128 |
| Credit loss provision to net charge-offs | 153.7815% | 2,313 |
| Earnings coverage of net charge-offs (x) | 23.2521% | 910 |
| Efficiency ratio | 47.9104% | 7,271 |
| Assets per employee ($millions) | 2.7677% | 6,577 |
| Cash dividends to net income (ytd only)* | 85.1143% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 5,479 |
| Loan loss allowance to noncurrent loans | 351.1848% | 887 |
| Noncurrent assets plus other real estate owned to assets | 1.1211% | 4,771 |
| Noncurrent loans to loans | 0.3435% | 6,371 |
| Net loans and leases to total assets | 62.6440% | 4,138 |
| Net loans and leases to deposits | 80.0237% | 3,174 |
| Net loans and leases to core deposits | 82.5448% | 3,812 |
| Total domestic deposits to total assets | 78.2818% | 6,257 |
| Equity capital to assets | 20.4495% | 234 |
| Core capital (leverage) ratio | 20.5094% | 211 |
| Tier 1 risk-based capital ratio | 28.0863% | 599 |
| Total risk-based capital ratio | 29.1370% | 598 |
| Memoranda: | ||
| Average total assets | $93,647,600 | 5,173 |
| Average earning assets | $85,652,000 | 5,156 |
| Average equity | $20,118,600 | 3,132 |
| Average total loans | $61,107,800 | 5,020 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9899% | 955 |
| Cost of funding earning assets | 0.7980% | 6,773 |
| Net interest margin | 5.1919% | 301 |
| Noninterest income to average assets | 0.9550% | 1,603 |
| Noninterest expense to average assets | 2.5850% | 5,380 |
| Loan and lease loss provision to assets | 0.1264% | 5,761 |
| Net operating income to assets | 2.1707% | 249 |
| Return on assets (ROA) | 2.1728% | 266 |
| Pretax return on assets | 2.9928% | 121 |
| Return on Equity (ROE) | 9.9885% | 2,126 |
| Retained earnings to average equity (ytd only) | 7.3478% | 1,672 |
| Net charge-offs to loans | 0.0918% | 5,605 |
| Credit loss provision to net charge-offs | 209.5238% | 1,680 |
| Earnings coverage of net charge-offs (x) | 51.6654% | 555 |
| Efficiency ratio | 45.3401% | 7,415 |
| Assets per employee ($millions) | 2.6077% | 6,924 |
| Cash dividends to net income (ytd only)* | 26.4376% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 5,618 |
| Loan loss allowance to noncurrent loans | 275.9542% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 1.2819% | 4,580 |
| Noncurrent loans to loans | 0.4252% | 6,353 |
| Net loans and leases to total assets | 66.7240% | 3,522 |
| Net loans and leases to deposits | 87.5413% | 2,072 |
| Net loans and leases to core deposits | 90.2141% | 3,065 |
| Total domestic deposits to total assets | 76.2200% | 6,611 |
| Equity capital to assets | 22.6164% | 176 |
| Core capital (leverage) ratio | 21.7451% | 186 |
| Tier 1 risk-based capital ratio | 29.6627% | 530 |
| Total risk-based capital ratio | 30.7017% | 532 |
| Memoranda: | ||
| Average total assets | $92,842,500 | 5,256 |
| Average earning assets | $84,873,750 | 5,242 |
| Average equity | $20,196,000 | 3,165 |
| Average total loans | $61,029,000 | 5,101 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9019% | 1,179 |
| Cost of funding earning assets | 0.8080% | 6,881 |
| Net interest margin | 5.0939% | 346 |
| Noninterest income to average assets | 1.0796% | 1,146 |
| Noninterest expense to average assets | 2.5769% | 5,423 |
| Loan and lease loss provision to assets | 0.1671% | 5,209 |
| Net operating income to assets | 2.1947% | 233 |
| Return on assets (ROA) | 2.1978% | 255 |
| Pretax return on assets | 2.9989% | 127 |
| Return on Equity (ROE) | 10.2358% | 2,014 |
| Retained earnings to average equity (ytd only) | 10.2358% | 795 |
| Net charge-offs to loans | 0.1216% | 4,968 |
| Credit loss provision to net charge-offs | 210.8108% | 1,844 |
| Earnings coverage of net charge-offs (x) | 39.8919% | 732 |
| Efficiency ratio | 44.9048% | 7,488 |
| Assets per employee ($millions) | 2.7746% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 5,573 |
| Loan loss allowance to noncurrent loans | 392.3497% | 783 |
| Noncurrent assets plus other real estate owned to assets | 1.2911% | 4,566 |
| Noncurrent loans to loans | 0.2997% | 6,627 |
| Net loans and leases to total assets | 63.9558% | 4,275 |
| Net loans and leases to deposits | 82.6437% | 3,152 |
| Net loans and leases to core deposits | 84.7995% | 4,026 |
| Total domestic deposits to total assets | 77.3875% | 6,414 |
| Equity capital to assets | 21.7889% | 206 |
| Core capital (leverage) ratio | 21.8822% | 184 |
| Tier 1 risk-based capital ratio | 29.5445% | 538 |
| Total risk-based capital ratio | 30.5765% | 533 |
| Memoranda: | ||
| Average total assets | $93,366,670 | 5,270 |
| Average earning assets | $85,395,670 | 5,259 |
| Average equity | $20,047,330 | 3,164 |
| Average total loans | $60,831,330 | 5,145 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8979% | 1,205 |
| Cost of funding earning assets | 0.8372% | 6,980 |
| Net interest margin | 5.0608% | 370 |
| Noninterest income to average assets | 1.1714% | 893 |
| Noninterest expense to average assets | 2.5581% | 5,522 |
| Loan and lease loss provision to assets | 0.2153% | 4,354 |
| Net operating income to assets | 2.2782% | 220 |
| Return on assets (ROA) | 2.2782% | 244 |
| Pretax return on assets | 3.0318% | 137 |
| Return on Equity (ROE) | 10.6904% | 1,875 |
| Retained earnings to average equity (ytd only) | 10.6904% | 991 |
| Net charge-offs to loans | 0.0264% | 5,201 |
| Credit loss provision to net charge-offs | 1,250.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 188.5000% | 182 |
| Efficiency ratio | 44.0653% | 7,623 |
| Assets per employee ($millions) | 2.7459% | 6,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,525 |
| Loan loss allowance to noncurrent loans | 155.1502% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 1.6131% | 4,071 |
| Noncurrent loans to loans | 0.7711% | 5,783 |
| Net loans and leases to total assets | 63.9560% | 4,340 |
| Net loans and leases to deposits | 82.5465% | 3,185 |
| Net loans and leases to core deposits | 84.7131% | 4,104 |
| Total domestic deposits to total assets | 77.4788% | 6,452 |
| Equity capital to assets | 21.4843% | 228 |
| Core capital (leverage) ratio | 21.6663% | 197 |
| Tier 1 risk-based capital ratio | 29.2122% | 571 |
| Total risk-based capital ratio | 30.2652% | 567 |
| Memoranda: | ||
| Average total assets | $92,881,500 | 5,355 |
| Average earning assets | $85,046,500 | 5,335 |
| Average equity | $19,793,500 | 3,221 |
| Average total loans | $60,721,000 | 5,215 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2286% | 1,167 |
| Cost of funding earning assets | 0.9400% | 7,329 |
| Net interest margin | 5.2885% | 247 |
| Noninterest income to average assets | 0.8370% | 2,241 |
| Noninterest expense to average assets | 2.9318% | 4,419 |
| Loan and lease loss provision to assets | 0.3449% | 4,729 |
| Net operating income to assets | 1.7544% | 395 |
| Return on assets (ROA) | 1.7544% | 416 |
| Pretax return on assets | 2.4263% | 178 |
| Return on Equity (ROE) | 8.2268% | 2,278 |
| Retained earnings to average equity (ytd only) | 5.6154% | 1,517 |
| Net charge-offs to loans | 0.5094% | 3,741 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 8.0356% | 2,017 |
| Efficiency ratio | 51.4090% | 7,439 |
| Assets per employee ($millions) | 2.6401% | 6,966 |
| Cash dividends to net income (ytd only)* | 31.7430% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 5,849 |
| Loan loss allowance to noncurrent loans | 135.6713% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 1.7803% | 3,703 |
| Noncurrent loans to loans | 0.8179% | 5,652 |
| Net loans and leases to total assets | 65.2930% | 4,327 |
| Net loans and leases to deposits | 84.6456% | 3,150 |
| Net loans and leases to core deposits | 92.6873% | 4,812 |
| Total domestic deposits to total assets | 77.1369% | 6,438 |
| Equity capital to assets | 21.1348% | 244 |
| Core capital (leverage) ratio | 21.3817% | 225 |
| Tier 1 risk-based capital ratio | 28.1779% | 629 |
| Total risk-based capital ratio | 29.1548% | 635 |
| Memoranda: | ||
| Average total assets | $89,602,200 | 5,405 |
| Average earning assets | $82,442,600 | 5,384 |
| Average equity | $19,108,200 | 3,326 |
| Average total loans | $60,656,400 | 5,221 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2540% | 1,233 |
| Cost of funding earning assets | 0.9494% | 7,483 |
| Net interest margin | 5.3046% | 249 |
| Noninterest income to average assets | 0.7649% | 2,623 |
| Noninterest expense to average assets | 2.8885% | 4,507 |
| Loan and lease loss provision to assets | 0.3704% | 4,107 |
| Net operating income to assets | 1.7427% | 517 |
| Return on assets (ROA) | 1.7427% | 545 |
| Pretax return on assets | 2.3996% | 231 |
| Return on Equity (ROE) | 8.1529% | 2,579 |
| Retained earnings to average equity (ytd only) | 6.4690% | 1,726 |
| Net charge-offs to loans | 0.6032% | 2,866 |
| Credit loss provision to net charge-offs | 90.1460% | 5,476 |
| Earnings coverage of net charge-offs (x) | 6.7410% | 2,548 |
| Efficiency ratio | 51.0469% | 7,480 |
| Assets per employee ($millions) | 2.5225% | 7,195 |
| Cash dividends to net income (ytd only)* | 20.6540% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 5,974 |
| Loan loss allowance to noncurrent loans | 39.2987% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 2.1815% | 3,121 |
| Noncurrent loans to loans | 2.6890% | 2,819 |
| Net loans and leases to total assets | 68.9335% | 3,726 |
| Net loans and leases to deposits | 90.2164% | 2,536 |
| Net loans and leases to core deposits | 99.5485% | 4,424 |
| Total domestic deposits to total assets | 76.4090% | 6,494 |
| Equity capital to assets | 21.9486% | 247 |
| Core capital (leverage) ratio | 21.8901% | 236 |
| Tier 1 risk-based capital ratio | 28.5344% | 649 |
| Total risk-based capital ratio | 29.4915% | 657 |
| Memoranda: | ||
| Average total assets | $88,902,250 | 5,457 |
| Average earning assets | $82,014,500 | 5,420 |
| Average equity | $19,003,000 | 3,368 |
| Average total loans | $60,568,250 | 5,255 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2105% | 1,418 |
| Cost of funding earning assets | 0.9491% | 7,623 |
| Net interest margin | 5.2614% | 261 |
| Noninterest income to average assets | 1.0414% | 1,461 |
| Noninterest expense to average assets | 2.9829% | 4,150 |
| Loan and lease loss provision to assets | 0.3748% | 3,681 |
| Net operating income to assets | 1.8270% | 435 |
| Return on assets (ROA) | 1.8270% | 479 |
| Pretax return on assets | 2.5363% | 198 |
| Return on Equity (ROE) | 8.6238% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.6238% | 1,029 |
| Net charge-offs to loans | 0.6473% | 2,415 |
| Credit loss provision to net charge-offs | 85.6410% | 5,048 |
| Earnings coverage of net charge-offs (x) | 6.6513% | 2,581 |
| Efficiency ratio | 50.6093% | 7,622 |
| Assets per employee ($millions) | 2.5452% | 7,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 5,810 |
| Loan loss allowance to noncurrent loans | 36.8750% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 2.4965% | 2,582 |
| Noncurrent loans to loans | 2.8884% | 2,498 |
| Net loans and leases to total assets | 67.6717% | 4,217 |
| Net loans and leases to deposits | 87.9827% | 3,172 |
| Net loans and leases to core deposits | 95.5675% | 4,951 |
| Total domestic deposits to total assets | 76.9148% | 6,346 |
| Equity capital to assets | 21.6315% | 295 |
| Core capital (leverage) ratio | 21.3814% | 297 |
| Tier 1 risk-based capital ratio | 28.3954% | 691 |
| Total risk-based capital ratio | 29.3518% | 693 |
| Memoranda: | ||
| Average total assets | $89,107,000 | 5,492 |
| Average earning assets | $82,184,000 | 5,456 |
| Average equity | $18,878,000 | 3,413 |
| Average total loans | $60,254,330 | 5,318 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2654% | 1,400 |
| Cost of funding earning assets | 0.9486% | 7,752 |
| Net interest margin | 5.3169% | 227 |
| Noninterest income to average assets | 1.0278% | 1,411 |
| Noninterest expense to average assets | 2.8456% | 4,359 |
| Loan and lease loss provision to assets | 0.2917% | 3,621 |
| Net operating income to assets | 2.0287% | 334 |
| Return on assets (ROA) | 2.0287% | 380 |
| Pretax return on assets | 2.7963% | 153 |
| Return on Equity (ROE) | 9.6778% | 2,458 |
| Retained earnings to average equity (ytd only) | 9.6778% | 1,288 |
| Net charge-offs to loans | 1.2551% | 1,119 |
| Credit loss provision to net charge-offs | 34.5745% | 4,894 |
| Earnings coverage of net charge-offs (x) | 3.6596% | 3,108 |
| Efficiency ratio | 47.9576% | 7,728 |
| Assets per employee ($millions) | 2.5836% | 7,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 6,595 |
| Loan loss allowance to noncurrent loans | 41.3433% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 1.8291% | 3,172 |
| Noncurrent loans to loans | 2.2553% | 2,925 |
| Net loans and leases to total assets | 65.0941% | 4,794 |
| Net loans and leases to deposits | 83.5337% | 4,054 |
| Net loans and leases to core deposits | 90.5667% | 5,506 |
| Total domestic deposits to total assets | 77.9256% | 6,039 |
| Equity capital to assets | 20.9099% | 367 |
| Core capital (leverage) ratio | 21.1112% | 344 |
| Tier 1 risk-based capital ratio | 28.6806% | 706 |
| Total risk-based capital ratio | 29.5210% | 718 |
| Memoranda: | ||
| Average total assets | $89,119,000 | 5,517 |
| Average earning assets | $82,229,000 | 5,480 |
| Average equity | $18,682,000 | 3,454 |
| Average total loans | $59,915,000 | 5,362 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0045% | 1,121 |
| Cost of funding earning assets | 1.3158% | 7,832 |
| Net interest margin | 5.6887% | 153 |
| Noninterest income to average assets | 1.1895% | 1,070 |
| Noninterest expense to average assets | 3.0156% | 4,033 |
| Loan and lease loss provision to assets | 0.1275% | 5,734 |
| Net operating income to assets | 2.2504% | 215 |
| Return on assets (ROA) | 2.2504% | 211 |
| Pretax return on assets | 3.2673% | 83 |
| Return on Equity (ROE) | 11.0557% | 1,888 |
| Retained earnings to average equity (ytd only) | 7.4019% | 1,018 |
| Net charge-offs to loans | 0.2068% | 4,138 |
| Credit loss provision to net charge-offs | 89.6825% | 5,690 |
| Earnings coverage of net charge-offs (x) | 23.8730% | 1,396 |
| Efficiency ratio | 47.0423% | 7,871 |
| Assets per employee ($millions) | 2.5089% | 7,190 |
| Cash dividends to net income (ytd only)* | 33.0491% | 3,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,125 |
| Loan loss allowance to noncurrent loans | 79.3669% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.9714% | 4,406 |
| Noncurrent loans to loans | 1.4119% | 3,694 |
| Net loans and leases to total assets | 68.0283% | 4,460 |
| Net loans and leases to deposits | 88.6806% | 3,688 |
| Net loans and leases to core deposits | 95.9014% | 5,266 |
| Total domestic deposits to total assets | 76.7116% | 6,066 |
| Equity capital to assets | 21.0176% | 400 |
| Core capital (leverage) ratio | 20.5762% | 399 |
| Tier 1 risk-based capital ratio | 28.2526% | 747 |
| Total risk-based capital ratio | 29.2889% | 743 |
| Memoranda: | ||
| Average total assets | $88,605,000 | 5,399 |
| Average earning assets | $81,319,200 | 5,393 |
| Average equity | $18,036,000 | 3,548 |
| Average total loans | $60,941,000 | 5,223 |