Home > The Farmers State Bank > Performance and Condition Ratios
The Farmers State Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4942% | 4,998 |
| Cost of funding earning assets | 0.1692% | 5,701 |
| Net interest margin | 3.3250% | 4,189 |
| Noninterest income to average assets | 0.3718% | 4,282 |
| Noninterest expense to average assets | 1.5040% | 6,108 |
| Loan and lease loss provision to assets | 0.0507% | 3,106 |
| Net operating income to assets | 1.2674% | 1,408 |
| Return on assets (ROA) | 1.2674% | 1,468 |
| Pretax return on assets | 1.6392% | 1,223 |
| Return on Equity (ROE) | 11.5340% | 1,516 |
| Retained earnings to average equity (ytd only) | 11.5340% | 439 |
| Net charge-offs to loans | 0.3143% | 842 |
| Credit loss provision to net charge-offs | 30.0000% | 2,927 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,398 |
| Efficiency ratio | 47.0899% | 6,003 |
| Assets per employee ($millions) | 4.7034% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1060% | 851 |
| Loan loss allowance to noncurrent loans | 966.6667% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 5,347 |
| Noncurrent loans to loans | 0.2179% | 4,905 |
| Net loans and leases to total assets | 57.3202% | 4,182 |
| Net loans and leases to deposits | 64.7517% | 4,462 |
| Net loans and leases to core deposits | 64.7517% | 4,755 |
| Total domestic deposits to total assets | 88.5232% | 1,399 |
| Equity capital to assets | 11.3790% | 2,510 |
| Core capital (leverage) ratio | 11.2640% | 2,196 |
| Tier 1 risk-based capital ratio | 17.7819% | 2,135 |
| Total risk-based capital ratio | 19.0378% | 2,086 |
| Memoranda: | ||
| Average total assets | $23,669,670 | 6,205 |
| Average earning assets | $20,090,330 | 6,217 |
| Average equity | $2,601,000 | 6,195 |
| Average total loans | $12,726,330 | 6,105 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2419% | 5,572 |
| Cost of funding earning assets | 0.1591% | 5,851 |
| Net interest margin | 3.0828% | 5,000 |
| Noninterest income to average assets | 0.2358% | 5,274 |
| Noninterest expense to average assets | 1.4487% | 6,207 |
| Loan and lease loss provision to assets | 0.0505% | 2,924 |
| Net operating income to assets | 1.2634% | 1,370 |
| Return on assets (ROA) | 1.2634% | 1,457 |
| Pretax return on assets | 1.3476% | 2,085 |
| Return on Equity (ROE) | 11.7028% | 1,425 |
| Retained earnings to average equity (ytd only) | 11.7028% | 611 |
| Net charge-offs to loans | 0.6555% | 370 |
| Credit loss provision to net charge-offs | 15.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 4.1500% | 2,527 |
| Efficiency ratio | 50.8876% | 5,860 |
| Assets per employee ($millions) | 6.0268% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2556% | 742 |
| Loan loss allowance to noncurrent loans | 448.4375% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 4,879 |
| Noncurrent loans to loans | 0.5030% | 4,072 |
| Net loans and leases to total assets | 51.5908% | 4,700 |
| Net loans and leases to deposits | 57.8923% | 4,927 |
| Net loans and leases to core deposits | 57.8923% | 5,129 |
| Total domestic deposits to total assets | 89.1152% | 1,190 |
| Equity capital to assets | 10.7894% | 3,208 |
| Core capital (leverage) ratio | 10.8321% | 2,591 |
| Tier 1 risk-based capital ratio | 17.7397% | 2,222 |
| Total risk-based capital ratio | 18.9947% | 2,185 |
| Memoranda: | ||
| Average total assets | $23,746,000 | 6,271 |
| Average earning assets | $20,111,500 | 6,281 |
| Average equity | $2,563,500 | 6,263 |
| Average total loans | $12,204,500 | 6,169 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3348% | 5,650 |
| Cost of funding earning assets | 0.1837% | 5,885 |
| Net interest margin | 3.1511% | 5,069 |
| Noninterest income to average assets | 0.3097% | 4,906 |
| Noninterest expense to average assets | 2.0731% | 5,631 |
| Loan and lease loss provision to assets | 0.0496% | 3,576 |
| Net operating income to assets | 0.5616% | 4,550 |
| Return on assets (ROA) | 0.5616% | 4,640 |
| Pretax return on assets | 0.8796% | 3,964 |
| Return on Equity (ROE) | 5.4817% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.4817% | 2,272 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0509% | 3,702 |
| Assets per employee ($millions) | 5.8463% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6016% | 487 |
| Loan loss allowance to noncurrent loans | 349.4253% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 4,577 |
| Noncurrent loans to loans | 0.7445% | 3,461 |
| Net loans and leases to total assets | 48.6679% | 5,101 |
| Net loans and leases to deposits | 54.6218% | 5,283 |
| Net loans and leases to core deposits | 54.6218% | 5,469 |
| Total domestic deposits to total assets | 89.0999% | 1,181 |
| Equity capital to assets | 10.8018% | 3,118 |
| Core capital (leverage) ratio | 10.7084% | 2,709 |
| Tier 1 risk-based capital ratio | 17.6458% | 2,265 |
| Total risk-based capital ratio | 18.9032% | 2,230 |
| Memoranda: | ||
| Average total assets | $24,215,400 | 6,348 |
| Average earning assets | $20,691,000 | 6,360 |
| Average equity | $2,481,000 | 6,358 |
| Average total loans | $11,135,800 | 6,280 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3003% | 5,771 |
| Cost of funding earning assets | 0.1855% | 5,957 |
| Net interest margin | 3.1149% | 5,212 |
| Noninterest income to average assets | 0.3166% | 4,907 |
| Noninterest expense to average assets | 1.7360% | 6,174 |
| Loan and lease loss provision to assets | 0.0491% | 3,395 |
| Net operating income to assets | 0.8953% | 2,932 |
| Return on assets (ROA) | 0.8953% | 3,027 |
| Pretax return on assets | 1.1901% | 2,818 |
| Return on Equity (ROE) | 8.8535% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.8535% | 1,045 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3486% | 5,399 |
| Assets per employee ($millions) | 5.9795% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5832% | 589 |
| Loan loss allowance to noncurrent loans | 345.9770% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 4,834 |
| Noncurrent loans to loans | 0.7467% | 3,734 |
| Net loans and leases to total assets | 47.4580% | 5,252 |
| Net loans and leases to deposits | 53.2186% | 5,441 |
| Net loans and leases to core deposits | 53.2186% | 5,617 |
| Total domestic deposits to total assets | 89.1755% | 1,140 |
| Equity capital to assets | 10.6823% | 3,328 |
| Core capital (leverage) ratio | 10.6131% | 2,910 |
| Tier 1 risk-based capital ratio | 19.0843% | 1,887 |
| Total risk-based capital ratio | 20.3466% | 1,847 |
| Memoranda: | ||
| Average total assets | $24,423,000 | 6,424 |
| Average earning assets | $20,845,750 | 6,432 |
| Average equity | $2,469,750 | 6,433 |
| Average total loans | $10,998,500 | 6,358 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2208% | 5,923 |
| Cost of funding earning assets | 0.1900% | 6,002 |
| Net interest margin | 3.0308% | 5,445 |
| Noninterest income to average assets | 0.3009% | 5,004 |
| Noninterest expense to average assets | 1.6673% | 6,302 |
| Loan and lease loss provision to assets | 0.0488% | 3,330 |
| Net operating income to assets | 0.8946% | 2,842 |
| Return on assets (ROA) | 0.8946% | 2,936 |
| Pretax return on assets | 1.1793% | 2,764 |
| Return on Equity (ROE) | 9.0115% | 2,591 |
| Retained earnings to average equity (ytd only) | 9.0115% | 982 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5843% | 5,598 |
| Assets per employee ($millions) | 6.0805% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7509% | 499 |
| Loan loss allowance to noncurrent loans | 281.1321% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 4,706 |
| Noncurrent loans to loans | 0.9785% | 3,277 |
| Net loans and leases to total assets | 43.3147% | 5,576 |
| Net loans and leases to deposits | 48.3190% | 5,758 |
| Net loans and leases to core deposits | 48.3190% | 5,888 |
| Total domestic deposits to total assets | 89.6431% | 993 |
| Equity capital to assets | 10.2788% | 3,720 |
| Core capital (leverage) ratio | 10.1112% | 3,456 |
| Tier 1 risk-based capital ratio | 19.6928% | 1,766 |
| Total risk-based capital ratio | 20.9531% | 1,728 |
| Memoranda: | ||
| Average total assets | $24,591,330 | 6,487 |
| Average earning assets | $21,050,670 | 6,493 |
| Average equity | $2,441,330 | 6,490 |
| Average total loans | $10,780,670 | 6,424 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1535% | 6,059 |
| Cost of funding earning assets | 0.1888% | 6,086 |
| Net interest margin | 2.9647% | 5,615 |
| Noninterest income to average assets | 0.2750% | 5,171 |
| Noninterest expense to average assets | 1.6177% | 6,416 |
| Loan and lease loss provision to assets | 0.0485% | 3,124 |
| Net operating income to assets | 0.6956% | 3,714 |
| Return on assets (ROA) | 0.6956% | 3,791 |
| Pretax return on assets | 1.1486% | 2,703 |
| Return on Equity (ROE) | 7.1310% | 3,397 |
| Retained earnings to average equity (ytd only) | 7.1310% | 1,967 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4713% | 5,707 |
| Assets per employee ($millions) | 6.2495% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7944% | 547 |
| Loan loss allowance to noncurrent loans | 304.1237% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 4,990 |
| Noncurrent loans to loans | 0.9188% | 3,585 |
| Net loans and leases to total assets | 41.0513% | 5,745 |
| Net loans and leases to deposits | 45.5017% | 5,886 |
| Net loans and leases to core deposits | 45.5017% | 6,020 |
| Total domestic deposits to total assets | 90.2192% | 955 |
| Equity capital to assets | 9.7368% | 4,186 |
| Core capital (leverage) ratio | 9.7418% | 3,935 |
| Tier 1 risk-based capital ratio | 19.2365% | 1,899 |
| Total risk-based capital ratio | 20.5011% | 1,861 |
| Memoranda: | ||
| Average total assets | $24,726,000 | 6,554 |
| Average earning assets | $21,182,500 | 6,558 |
| Average equity | $2,412,000 | 6,553 |
| Average total loans | $10,754,500 | 6,492 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1902% | 6,137 |
| Cost of funding earning assets | 0.2428% | 6,014 |
| Net interest margin | 2.9474% | 5,687 |
| Noninterest income to average assets | 0.2591% | 5,494 |
| Noninterest expense to average assets | 1.8535% | 6,253 |
| Loan and lease loss provision to assets | 0.1168% | 2,863 |
| Net operating income to assets | 0.6239% | 4,146 |
| Return on assets (ROA) | 0.6239% | 4,262 |
| Pretax return on assets | 0.8574% | 3,927 |
| Return on Equity (ROE) | 7.3707% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.3707% | 1,281 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5484% | 4,642 |
| Assets per employee ($millions) | 6.1135% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6662% | 687 |
| Loan loss allowance to noncurrent loans | 267.8899% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 4,904 |
| Noncurrent loans to loans | 0.9953% | 3,526 |
| Net loans and leases to total assets | 43.5921% | 5,708 |
| Net loans and leases to deposits | 48.3447% | 5,877 |
| Net loans and leases to core deposits | 48.3447% | 6,012 |
| Total domestic deposits to total assets | 90.1693% | 990 |
| Equity capital to assets | 9.7735% | 4,070 |
| Core capital (leverage) ratio | 9.4728% | 4,310 |
| Tier 1 risk-based capital ratio | 18.5415% | 2,067 |
| Total risk-based capital ratio | 19.8061% | 2,029 |
| Memoranda: | ||
| Average total assets | $27,407,000 | 6,575 |
| Average earning assets | $23,885,600 | 6,578 |
| Average equity | $2,320,000 | 6,650 |
| Average total loans | $11,250,000 | 6,546 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1433% | 6,264 |
| Cost of funding earning assets | 0.2493% | 6,090 |
| Net interest margin | 2.8941% | 5,833 |
| Noninterest income to average assets | 0.2605% | 5,583 |
| Noninterest expense to average assets | 1.7006% | 6,468 |
| Loan and lease loss provision to assets | 0.0426% | 4,160 |
| Net operating income to assets | 0.7911% | 3,392 |
| Return on assets (ROA) | 0.7911% | 3,522 |
| Pretax return on assets | 1.0469% | 3,311 |
| Return on Equity (ROE) | 9.6704% | 2,321 |
| Retained earnings to average equity (ytd only) | 9.6704% | 870 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9508% | 5,289 |
| Assets per employee ($millions) | 6.4033% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3041% | 1,177 |
| Loan loss allowance to noncurrent loans | 246.7890% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 5,151 |
| Noncurrent loans to loans | 0.9336% | 3,950 |
| Net loans and leases to total assets | 44.5321% | 5,679 |
| Net loans and leases to deposits | 49.2211% | 5,888 |
| Net loans and leases to core deposits | 49.2211% | 6,056 |
| Total domestic deposits to total assets | 90.4736% | 750 |
| Equity capital to assets | 9.3195% | 4,780 |
| Core capital (leverage) ratio | 8.6756% | 5,569 |
| Tier 1 risk-based capital ratio | 17.5000% | 2,511 |
| Total risk-based capital ratio | 18.7610% | 2,474 |
| Memoranda: | ||
| Average total assets | $28,145,250 | 6,637 |
| Average earning assets | $24,601,500 | 6,639 |
| Average equity | $2,302,500 | 6,728 |
| Average total loans | $11,324,500 | 6,616 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0357% | 6,414 |
| Cost of funding earning assets | 0.2510% | 6,166 |
| Net interest margin | 2.7846% | 6,038 |
| Noninterest income to average assets | 0.2415% | 5,723 |
| Noninterest expense to average assets | 1.6420% | 6,556 |
| Loan and lease loss provision to assets | 0.0414% | 4,124 |
| Net operating income to assets | 0.7727% | 3,449 |
| Return on assets (ROA) | 0.7727% | 3,598 |
| Pretax return on assets | 1.0073% | 3,475 |
| Return on Equity (ROE) | 9.8491% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.8491% | 882 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0256% | 5,330 |
| Assets per employee ($millions) | 5.6842% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3534% | 1,166 |
| Loan loss allowance to noncurrent loans | 521.5686% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 5,962 |
| Noncurrent loans to loans | 0.4512% | 5,133 |
| Net loans and leases to total assets | 38.8340% | 6,123 |
| Net loans and leases to deposits | 42.3588% | 6,307 |
| Net loans and leases to core deposits | 42.3588% | 6,392 |
| Total domestic deposits to total assets | 91.6787% | 320 |
| Equity capital to assets | 8.2052% | 6,053 |
| Core capital (leverage) ratio | 8.0403% | 6,155 |
| Tier 1 risk-based capital ratio | 16.7300% | 2,827 |
| Total risk-based capital ratio | 17.9855% | 2,793 |
| Memoranda: | ||
| Average total assets | $28,989,330 | 6,671 |
| Average earning assets | $25,497,000 | 6,668 |
| Average equity | $2,274,330 | 6,782 |
| Average total loans | $11,207,670 | 6,662 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0121% | 6,505 |
| Cost of funding earning assets | 0.2626% | 6,206 |
| Net interest margin | 2.7495% | 6,130 |
| Noninterest income to average assets | 0.2460% | 5,700 |
| Noninterest expense to average assets | 1.7080% | 6,548 |
| Loan and lease loss provision to assets | 0.0410% | 3,914 |
| Net operating income to assets | 0.7105% | 3,639 |
| Return on assets (ROA) | 0.7105% | 3,775 |
| Pretax return on assets | 0.9292% | 3,652 |
| Return on Equity (ROE) | 9.2630% | 2,372 |
| Retained earnings to average equity (ytd only) | 9.2630% | 1,300 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7755% | 5,044 |
| Assets per employee ($millions) | 6.0868% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4157% | 1,226 |
| Loan loss allowance to noncurrent loans | 191.9708% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 5,256 |
| Noncurrent loans to loans | 1.2584% | 3,675 |
| Net loans and leases to total assets | 34.9083% | 6,368 |
| Net loans and leases to deposits | 37.7554% | 6,514 |
| Net loans and leases to core deposits | 37.7554% | 6,568 |
| Total domestic deposits to total assets | 92.4591% | 181 |
| Equity capital to assets | 7.4653% | 6,603 |
| Core capital (leverage) ratio | 7.7899% | 6,299 |
| Tier 1 risk-based capital ratio | 16.2425% | 3,131 |
| Total risk-based capital ratio | 17.5007% | 3,080 |
| Memoranda: | ||
| Average total assets | $29,273,500 | 6,731 |
| Average earning assets | $25,895,500 | 6,723 |
| Average equity | $2,245,500 | 6,852 |
| Average total loans | $11,160,000 | 6,732 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 5,972 |
| Cost of funding earning assets | 0.5220% | 5,055 |
| Net interest margin | 3.2163% | 5,531 |
| Noninterest income to average assets | 0.2802% | 5,461 |
| Noninterest expense to average assets | 1.9842% | 6,361 |
| Loan and lease loss provision to assets | 0.0461% | 5,263 |
| Net operating income to assets | 0.6486% | 3,995 |
| Return on assets (ROA) | 0.6486% | 4,258 |
| Pretax return on assets | 1.0401% | 3,399 |
| Return on Equity (ROE) | 7.8335% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.8335% | 1,183 |
| Net charge-offs to loans | -0.0170% | 6,529 |
| Credit loss provision to net charge-offs | -600.0000% | 6,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6250% | 4,770 |
| Assets per employee ($millions) | 5.6226% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2741% | 1,406 |
| Loan loss allowance to noncurrent loans | 764.7059% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 6,266 |
| Noncurrent loans to loans | 0.2974% | 5,734 |
| Net loans and leases to total assets | 39.7432% | 6,186 |
| Net loans and leases to deposits | 43.1907% | 6,414 |
| Net loans and leases to core deposits | 43.1907% | 6,498 |
| Total domestic deposits to total assets | 92.0179% | 244 |
| Equity capital to assets | 7.8931% | 6,464 |
| Core capital (leverage) ratio | 8.2012% | 5,995 |
| Tier 1 risk-based capital ratio | 16.0437% | 3,138 |
| Total risk-based capital ratio | 17.3017% | 3,088 |
| Memoranda: | ||
| Average total assets | $26,056,000 | 6,841 |
| Average earning assets | $22,603,600 | 6,851 |
| Average equity | $2,157,400 | 6,934 |
| Average total loans | $11,785,200 | 6,784 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 5,958 |
| Cost of funding earning assets | 0.5942% | 4,705 |
| Net interest margin | 3.2317% | 5,610 |
| Noninterest income to average assets | 0.2923% | 5,432 |
| Noninterest expense to average assets | 1.7226% | 6,764 |
| Loan and lease loss provision to assets | 0.0470% | 5,185 |
| Net operating income to assets | 0.8874% | 3,045 |
| Return on assets (ROA) | 0.8874% | 3,284 |
| Pretax return on assets | 1.3050% | 2,594 |
| Return on Equity (ROE) | 10.5817% | 2,104 |
| Retained earnings to average equity (ytd only) | 10.5817% | 768 |
| Net charge-offs to loans | -0.0225% | 6,523 |
| Credit loss provision to net charge-offs | -450.0000% | 6,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0272% | 6,056 |
| Assets per employee ($millions) | 5.1928% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1168% | 1,872 |
| Loan loss allowance to noncurrent loans | 428.3333% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 6,126 |
| Noncurrent loans to loans | 0.4942% | 5,458 |
| Net loans and leases to total assets | 45.7711% | 5,787 |
| Net loans and leases to deposits | 50.2070% | 6,091 |
| Net loans and leases to core deposits | 50.2070% | 6,268 |
| Total domestic deposits to total assets | 91.1647% | 368 |
| Equity capital to assets | 8.5503% | 6,221 |
| Core capital (leverage) ratio | 8.5493% | 5,689 |
| Tier 1 risk-based capital ratio | 15.8537% | 3,345 |
| Total risk-based capital ratio | 17.1106% | 3,315 |
| Memoranda: | ||
| Average total assets | $25,541,750 | 6,939 |
| Average earning assets | $21,989,750 | 6,953 |
| Average equity | $2,142,000 | 7,026 |
| Average total loans | $11,873,250 | 6,877 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 6,035 |
| Cost of funding earning assets | 0.6763% | 4,213 |
| Net interest margin | 3.1711% | 5,819 |
| Noninterest income to average assets | 0.2835% | 5,544 |
| Noninterest expense to average assets | 1.5984% | 6,924 |
| Loan and lease loss provision to assets | 0.0472% | 5,086 |
| Net operating income to assets | 0.9448% | 2,683 |
| Return on assets (ROA) | 0.9448% | 2,941 |
| Pretax return on assets | 1.3700% | 2,322 |
| Return on Equity (ROE) | 11.3422% | 1,861 |
| Retained earnings to average equity (ytd only) | 11.3422% | 681 |
| Net charge-offs to loans | -0.0339% | 6,566 |
| Credit loss provision to net charge-offs | -300.0000% | 6,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0026% | 6,418 |
| Assets per employee ($millions) | 4.2788% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1520% | 1,880 |
| Loan loss allowance to noncurrent loans | 1,104.3478% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 6,578 |
| Noncurrent loans to loans | 0.1949% | 6,193 |
| Net loans and leases to total assets | 44.9850% | 5,926 |
| Net loans and leases to deposits | 49.2327% | 6,224 |
| Net loans and leases to core deposits | 49.2327% | 6,386 |
| Total domestic deposits to total assets | 91.3723% | 338 |
| Equity capital to assets | 8.4525% | 6,257 |
| Core capital (leverage) ratio | 8.2384% | 6,002 |
| Tier 1 risk-based capital ratio | 15.8591% | 3,237 |
| Total risk-based capital ratio | 17.1161% | 3,203 |
| Memoranda: | ||
| Average total assets | $25,401,000 | 6,998 |
| Average earning assets | $21,885,000 | 7,012 |
| Average equity | $2,116,000 | 7,077 |
| Average total loans | $11,784,000 | 6,938 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8643% | 6,104 |
| Cost of funding earning assets | 0.7545% | 3,830 |
| Net interest margin | 3.1098% | 6,011 |
| Noninterest income to average assets | 0.2533% | 5,826 |
| Noninterest expense to average assets | 1.5199% | 7,044 |
| Loan and lease loss provision to assets | 0.0475% | 4,810 |
| Net operating income to assets | 1.2349% | 1,643 |
| Return on assets (ROA) | 1.2349% | 1,821 |
| Pretax return on assets | 1.3616% | 2,327 |
| Return on Equity (ROE) | 14.9354% | 980 |
| Retained earnings to average equity (ytd only) | 14.9354% | 452 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8919% | 6,554 |
| Assets per employee ($millions) | 5.3536% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1762% | 1,929 |
| Loan loss allowance to noncurrent loans | 529.7872% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 6,449 |
| Noncurrent loans to loans | 0.4108% | 5,850 |
| Net loans and leases to total assets | 41.8149% | 6,209 |
| Net loans and leases to deposits | 45.5037% | 6,466 |
| Net loans and leases to core deposits | 45.5037% | 6,599 |
| Total domestic deposits to total assets | 91.8933% | 286 |
| Equity capital to assets | 7.9498% | 6,553 |
| Core capital (leverage) ratio | 8.1705% | 6,071 |
| Tier 1 risk-based capital ratio | 15.5544% | 3,410 |
| Total risk-based capital ratio | 16.8116% | 3,380 |
| Memoranda: | ||
| Average total assets | $25,265,000 | 7,070 |
| Average earning assets | $21,737,500 | 7,081 |
| Average equity | $2,089,000 | 7,133 |
| Average total loans | $11,774,500 | 6,994 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 5,847 |
| Cost of funding earning assets | 0.9494% | 3,727 |
| Net interest margin | 3.3231% | 5,744 |
| Noninterest income to average assets | 0.3517% | 4,989 |
| Noninterest expense to average assets | 2.0515% | 6,580 |
| Loan and lease loss provision to assets | 0.0502% | 5,959 |
| Net operating income to assets | 0.7662% | 3,189 |
| Return on assets (ROA) | 0.7662% | 3,354 |
| Pretax return on assets | 1.0927% | 2,866 |
| Return on Equity (ROE) | 9.3444% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.3444% | 714 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2202% | 5,089 |
| Assets per employee ($millions) | 4.7524% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0319% | 2,178 |
| Loan loss allowance to noncurrent loans | 683.3333% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 6,563 |
| Noncurrent loans to loans | 0.2973% | 6,129 |
| Net loans and leases to total assets | 49.9158% | 5,593 |
| Net loans and leases to deposits | 54.8257% | 5,993 |
| Net loans and leases to core deposits | 54.8257% | 6,240 |
| Total domestic deposits to total assets | 91.0445% | 488 |
| Equity capital to assets | 8.6272% | 5,982 |
| Core capital (leverage) ratio | 8.4613% | 5,623 |
| Tier 1 risk-based capital ratio | 14.9232% | 3,683 |
| Total risk-based capital ratio | 16.1826% | 3,646 |
| Memoranda: | ||
| Average total assets | $23,885,400 | 7,128 |
| Average earning assets | $20,433,000 | 7,134 |
| Average equity | $1,958,400 | 7,214 |
| Average total loans | $11,365,400 | 7,064 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 6,248 |
| Cost of funding earning assets | 0.9873% | 3,771 |
| Net interest margin | 3.1959% | 6,169 |
| Noninterest income to average assets | 0.3680% | 4,927 |
| Noninterest expense to average assets | 1.9902% | 6,710 |
| Loan and lease loss provision to assets | 0.0502% | 5,820 |
| Net operating income to assets | 0.8139% | 3,086 |
| Return on assets (ROA) | 0.8139% | 3,255 |
| Pretax return on assets | 1.0704% | 3,127 |
| Return on Equity (ROE) | 10.0573% | 2,176 |
| Retained earnings to average equity (ytd only) | 10.0573% | 828 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9785% | 5,073 |
| Assets per employee ($millions) | 4.7798% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0604% | 2,177 |
| Loan loss allowance to noncurrent loans | 467.3077% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 6,517 |
| Noncurrent loans to loans | 0.4409% | 5,960 |
| Net loans and leases to total assets | 48.3326% | 5,918 |
| Net loans and leases to deposits | 53.0398% | 6,285 |
| Net loans and leases to core deposits | 53.0398% | 6,508 |
| Total domestic deposits to total assets | 91.1252% | 398 |
| Equity capital to assets | 8.4229% | 6,374 |
| Core capital (leverage) ratio | 8.3127% | 5,958 |
| Tier 1 risk-based capital ratio | 14.8047% | 3,774 |
| Total risk-based capital ratio | 16.0624% | 3,742 |
| Memoranda: | ||
| Average total assets | $23,916,250 | 7,202 |
| Average earning assets | $20,525,750 | 7,209 |
| Average equity | $1,935,500 | 7,290 |
| Average total loans | $11,180,000 | 7,141 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 6,542 |
| Cost of funding earning assets | 1.0364% | 3,691 |
| Net interest margin | 3.0317% | 6,546 |
| Noninterest income to average assets | 0.3344% | 5,216 |
| Noninterest expense to average assets | 2.0065% | 6,778 |
| Loan and lease loss provision to assets | 0.0502% | 5,684 |
| Net operating income to assets | 0.6354% | 3,882 |
| Return on assets (ROA) | 0.6354% | 4,006 |
| Pretax return on assets | 0.8946% | 3,634 |
| Return on Equity (ROE) | 7.9595% | 2,961 |
| Retained earnings to average equity (ytd only) | 7.9595% | 1,476 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9887% | 4,518 |
| Assets per employee ($millions) | 4.1855% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1377% | 2,039 |
| Loan loss allowance to noncurrent loans | 600.0000% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 6,695 |
| Noncurrent loans to loans | 0.3563% | 6,202 |
| Net loans and leases to total assets | 43.7502% | 6,457 |
| Net loans and leases to deposits | 47.5875% | 6,750 |
| Net loans and leases to core deposits | 47.5875% | 6,873 |
| Total domestic deposits to total assets | 91.9364% | 247 |
| Equity capital to assets | 7.7410% | 6,842 |
| Core capital (leverage) ratio | 7.7748% | 6,532 |
| Tier 1 risk-based capital ratio | 14.4761% | 3,801 |
| Total risk-based capital ratio | 15.7346% | 3,770 |
| Memoranda: | ||
| Average total assets | $23,922,000 | 7,268 |
| Average earning assets | $20,648,670 | 7,279 |
| Average equity | $1,909,670 | 7,360 |
| Average total loans | $10,975,330 | 7,222 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1551% | 6,381 |
| Cost of funding earning assets | 1.1187% | 3,389 |
| Net interest margin | 3.0364% | 6,496 |
| Noninterest income to average assets | 0.3258% | 5,307 |
| Noninterest expense to average assets | 1.9892% | 6,841 |
| Loan and lease loss provision to assets | 0.0514% | 5,358 |
| Net operating income to assets | 0.8745% | 2,686 |
| Return on assets (ROA) | 0.8745% | 2,740 |
| Pretax return on assets | 0.8917% | 3,530 |
| Return on Equity (ROE) | 10.7794% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.7794% | 941 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8363% | 4,686 |
| Assets per employee ($millions) | 4.1410% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2098% | 1,941 |
| Loan loss allowance to noncurrent loans | 764.5161% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 6,855 |
| Noncurrent loans to loans | 0.2890% | 6,409 |
| Net loans and leases to total assets | 42.2120% | 6,599 |
| Net loans and leases to deposits | 45.8753% | 6,859 |
| Net loans and leases to core deposits | 45.8753% | 6,978 |
| Total domestic deposits to total assets | 92.0148% | 280 |
| Equity capital to assets | 7.7196% | 6,736 |
| Core capital (leverage) ratio | 7.9950% | 6,266 |
| Tier 1 risk-based capital ratio | 14.7301% | 3,593 |
| Total risk-based capital ratio | 15.9896% | 3,544 |
| Memoranda: | ||
| Average total assets | $23,326,500 | 7,333 |
| Average earning assets | $20,023,500 | 7,341 |
| Average equity | $1,892,500 | 7,411 |
| Average total loans | $10,849,500 | 7,284 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7392% | 5,659 |
| Cost of funding earning assets | 1.4908% | 2,702 |
| Net interest margin | 3.2484% | 6,142 |
| Noninterest income to average assets | 0.4143% | 4,788 |
| Noninterest expense to average assets | 2.3609% | 6,193 |
| Loan and lease loss provision to assets | 0.1871% | 5,361 |
| Net operating income to assets | 0.4633% | 4,259 |
| Return on assets (ROA) | 0.4633% | 4,425 |
| Pretax return on assets | 0.6326% | 4,219 |
| Return on Equity (ROE) | 5.6849% | 3,738 |
| Retained earnings to average equity (ytd only) | 5.6849% | 1,994 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2297% | 3,350 |
| Assets per employee ($millions) | 3.6345% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1323% | 1,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 49.2502% | 6,250 |
| Net loans and leases to deposits | 54.0269% | 6,608 |
| Net loans and leases to core deposits | 54.0269% | 6,812 |
| Total domestic deposits to total assets | 91.1588% | 532 |
| Equity capital to assets | 8.5615% | 5,775 |
| Core capital (leverage) ratio | 8.3415% | 5,622 |
| Tier 1 risk-based capital ratio | 14.7321% | 3,407 |
| Total risk-based capital ratio | 15.9867% | 3,364 |
| Memoranda: | ||
| Average total assets | $22,448,600 | 7,409 |
| Average earning assets | $19,117,200 | 7,424 |
| Average equity | $1,829,400 | 7,533 |
| Average total loans | $11,235,800 | 7,338 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7388% | 5,890 |
| Cost of funding earning assets | 1.5543% | 2,640 |
| Net interest margin | 3.1846% | 6,393 |
| Noninterest income to average assets | 0.4305% | 4,712 |
| Noninterest expense to average assets | 2.2292% | 6,526 |
| Loan and lease loss provision to assets | 0.0531% | 6,552 |
| Net operating income to assets | 0.7961% | 3,017 |
| Return on assets (ROA) | 0.7961% | 3,179 |
| Pretax return on assets | 0.8669% | 3,677 |
| Return on Equity (ROE) | 9.8901% | 2,166 |
| Retained earnings to average equity (ytd only) | 9.8901% | 819 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7865% | 3,922 |
| Assets per employee ($millions) | 3.7337% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 2,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 50.3035% | 6,290 |
| Net loans and leases to deposits | 55.3161% | 6,663 |
| Net loans and leases to core deposits | 55.3161% | 6,895 |
| Total domestic deposits to total assets | 90.9383% | 472 |
| Equity capital to assets | 8.4725% | 6,307 |
| Core capital (leverage) ratio | 8.4281% | 5,646 |
| Tier 1 risk-based capital ratio | 14.3180% | 3,620 |
| Total risk-based capital ratio | 15.5703% | 3,582 |
| Memoranda: | ||
| Average total assets | $22,609,000 | 7,500 |
| Average earning assets | $19,301,000 | 7,513 |
| Average equity | $1,820,000 | 7,634 |
| Average total loans | $11,301,250 | 7,434 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6785% | 6,218 |
| Cost of funding earning assets | 1.6665% | 2,307 |
| Net interest margin | 3.0121% | 6,803 |
| Noninterest income to average assets | 0.4233% | 4,727 |
| Noninterest expense to average assets | 2.2312% | 6,567 |
| Loan and lease loss provision to assets | 0.0529% | 6,430 |
| Net operating income to assets | 0.6262% | 3,753 |
| Return on assets (ROA) | 0.6262% | 3,891 |
| Pretax return on assets | 0.7055% | 4,214 |
| Return on Equity (ROE) | 7.9153% | 2,915 |
| Retained earnings to average equity (ytd only) | 7.9153% | 1,475 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6313% | 3,344 |
| Assets per employee ($millions) | 3.7792% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 3,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 7,185 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 50.5799% | 6,368 |
| Net loans and leases to deposits | 55.3256% | 6,775 |
| Net loans and leases to core deposits | 55.3256% | 6,975 |
| Total domestic deposits to total assets | 91.4223% | 354 |
| Equity capital to assets | 8.0882% | 6,664 |
| Core capital (leverage) ratio | 7.9325% | 6,351 |
| Tier 1 risk-based capital ratio | 13.6215% | 3,992 |
| Total risk-based capital ratio | 14.8767% | 3,948 |
| Memoranda: | ||
| Average total assets | $22,678,000 | 7,562 |
| Average earning assets | $19,322,330 | 7,578 |
| Average equity | $1,794,000 | 7,703 |
| Average total loans | $11,245,000 | 7,493 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 6,525 |
| Cost of funding earning assets | 1.7788% | 1,975 |
| Net interest margin | 2.8337% | 7,133 |
| Noninterest income to average assets | 0.4057% | 4,873 |
| Noninterest expense to average assets | 2.2752% | 6,467 |
| Loan and lease loss provision to assets | 0.0529% | 6,139 |
| Net operating income to assets | 0.3880% | 4,889 |
| Return on assets (ROA) | 0.3880% | 5,028 |
| Pretax return on assets | 0.4938% | 4,980 |
| Return on Equity (ROE) | 4.9605% | 4,391 |
| Retained earnings to average equity (ytd only) | 4.9605% | 3,180 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6250% | 2,469 |
| Assets per employee ($millions) | 3.8957% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7918% | 2,762 |
| Loan loss allowance to noncurrent loans | 650.0000% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 6,924 |
| Noncurrent loans to loans | 0.2757% | 6,769 |
| Net loans and leases to total assets | 45.7260% | 6,849 |
| Net loans and leases to deposits | 49.7139% | 7,140 |
| Net loans and leases to core deposits | 49.7139% | 7,291 |
| Total domestic deposits to total assets | 91.9783% | 247 |
| Equity capital to assets | 7.6367% | 6,973 |
| Core capital (leverage) ratio | 7.8389% | 6,451 |
| Tier 1 risk-based capital ratio | 13.8889% | 3,732 |
| Total risk-based capital ratio | 15.1416% | 3,695 |
| Memoranda: | ||
| Average total assets | $22,679,500 | 7,661 |
| Average earning assets | $19,339,000 | 7,671 |
| Average equity | $1,774,000 | 7,793 |
| Average total loans | $11,034,000 | 7,596 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1520% | 5,867 |
| Cost of funding earning assets | 2.0907% | 2,512 |
| Net interest margin | 3.0612% | 6,488 |
| Noninterest income to average assets | 0.3910% | 5,288 |
| Noninterest expense to average assets | 2.6599% | 5,552 |
| Loan and lease loss provision to assets | 0.0579% | 6,984 |
| Net operating income to assets | 0.2607% | 4,679 |
| Return on assets (ROA) | 0.2607% | 4,768 |
| Pretax return on assets | 0.3379% | 4,667 |
| Return on Equity (ROE) | 3.0900% | 4,463 |
| Retained earnings to average equity (ytd only) | 3.0900% | 2,999 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0458% | 1,988 |
| Assets per employee ($millions) | 3.6642% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 2,845 |
| Loan loss allowance to noncurrent loans | 1,476.9231% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 7,100 |
| Noncurrent loans to loans | 0.1162% | 7,131 |
| Net loans and leases to total assets | 50.0023% | 6,640 |
| Net loans and leases to deposits | 54.5748% | 7,015 |
| Net loans and leases to core deposits | 59.7998% | 7,270 |
| Total domestic deposits to total assets | 91.6216% | 344 |
| Equity capital to assets | 8.0191% | 6,564 |
| Core capital (leverage) ratio | 8.0359% | 6,107 |
| Tier 1 risk-based capital ratio | 13.8231% | 3,617 |
| Total risk-based capital ratio | 15.0776% | 3,552 |
| Memoranda: | ||
| Average total assets | $20,715,200 | 7,755 |
| Average earning assets | $18,032,000 | 7,759 |
| Average equity | $1,747,600 | 7,884 |
| Average total loans | $10,685,000 | 7,669 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1560% | 6,079 |
| Cost of funding earning assets | 2.1353% | 2,727 |
| Net interest margin | 3.0207% | 6,547 |
| Noninterest income to average assets | 0.3791% | 5,481 |
| Noninterest expense to average assets | 2.3270% | 6,632 |
| Loan and lease loss provision to assets | 0.0588% | 6,775 |
| Net operating income to assets | 0.5229% | 3,889 |
| Return on assets (ROA) | 0.5229% | 3,977 |
| Pretax return on assets | 0.6471% | 4,030 |
| Return on Equity (ROE) | 6.1167% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.1167% | 1,894 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7241% | 3,376 |
| Assets per employee ($millions) | 3.6152% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 2,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 7,306 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 51.7911% | 6,623 |
| Net loans and leases to deposits | 56.8091% | 7,036 |
| Net loans and leases to core deposits | 62.7142% | 7,297 |
| Total domestic deposits to total assets | 91.1668% | 356 |
| Equity capital to assets | 8.2477% | 6,568 |
| Core capital (leverage) ratio | 8.3715% | 5,709 |
| Tier 1 risk-based capital ratio | 13.9395% | 3,584 |
| Total risk-based capital ratio | 15.1940% | 3,531 |
| Memoranda: | ||
| Average total assets | $20,397,750 | 7,838 |
| Average earning assets | $17,920,500 | 7,843 |
| Average equity | $1,743,750 | 7,973 |
| Average total loans | $10,560,000 | 7,755 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0644% | 6,566 |
| Cost of funding earning assets | 2.2044% | 2,769 |
| Net interest margin | 2.8600% | 6,885 |
| Noninterest income to average assets | 0.3706% | 5,547 |
| Noninterest expense to average assets | 2.2738% | 6,841 |
| Loan and lease loss provision to assets | 0.0601% | 6,619 |
| Net operating income to assets | 0.4307% | 4,376 |
| Return on assets (ROA) | 0.4307% | 4,489 |
| Pretax return on assets | 0.5710% | 4,405 |
| Return on Equity (ROE) | 4.9749% | 4,087 |
| Retained earnings to average equity (ytd only) | 4.9749% | 2,524 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2759% | 3,304 |
| Assets per employee ($millions) | 3.4813% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 2,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 7,313 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 51.5176% | 6,739 |
| Net loans and leases to deposits | 56.5416% | 7,125 |
| Net loans and leases to core deposits | 61.2046% | 7,405 |
| Total domestic deposits to total assets | 91.1145% | 423 |
| Equity capital to assets | 8.3876% | 6,220 |
| Core capital (leverage) ratio | 8.4880% | 5,473 |
| Tier 1 risk-based capital ratio | 14.2764% | 3,366 |
| Total risk-based capital ratio | 15.5313% | 3,298 |
| Memoranda: | ||
| Average total assets | $19,966,670 | 7,928 |
| Average earning assets | $17,692,000 | 7,927 |
| Average equity | $1,728,670 | 8,055 |
| Average total loans | $10,272,330 | 7,846 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9801% | 6,981 |
| Cost of funding earning assets | 2.2740% | 2,818 |
| Net interest margin | 2.7061% | 7,189 |
| Noninterest income to average assets | 0.3691% | 5,471 |
| Noninterest expense to average assets | 2.2352% | 6,737 |
| Loan and lease loss provision to assets | 0.0615% | 6,189 |
| Net operating income to assets | 0.3281% | 5,175 |
| Return on assets (ROA) | 0.3281% | 5,359 |
| Pretax return on assets | 0.5127% | 5,050 |
| Return on Equity (ROE) | 3.7274% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.7274% | 3,830 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5620% | 2,898 |
| Assets per employee ($millions) | 3.4273% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 1,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 7,268 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 46.8780% | 7,116 |
| Net loans and leases to deposits | 51.4161% | 7,437 |
| Net loans and leases to core deposits | 55.7258% | 7,630 |
| Total domestic deposits to total assets | 91.1739% | 361 |
| Equity capital to assets | 8.3884% | 6,252 |
| Core capital (leverage) ratio | 8.6492% | 5,261 |
| Tier 1 risk-based capital ratio | 15.3007% | 2,940 |
| Total risk-based capital ratio | 16.5514% | 2,877 |
| Memoranda: | ||
| Average total assets | $19,506,000 | 7,995 |
| Average earning assets | $17,590,000 | 7,977 |
| Average equity | $1,717,000 | 8,111 |
| Average total loans | $9,935,000 | 7,912 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8262% | 6,355 |
| Cost of funding earning assets | 2.7270% | 3,032 |
| Net interest margin | 3.0992% | 6,653 |
| Noninterest income to average assets | 0.3697% | 5,742 |
| Noninterest expense to average assets | 2.6967% | 5,280 |
| Loan and lease loss provision to assets | 0.0652% | 6,572 |
| Net operating income to assets | 0.3915% | 5,186 |
| Return on assets (ROA) | 0.3915% | 4,999 |
| Pretax return on assets | 0.5056% | 4,960 |
| Return on Equity (ROE) | 4.2705% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.2705% | 2,467 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5291% | 2,233 |
| Assets per employee ($millions) | 3.0747% | 5,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 1,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 7,078 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 53.4855% | 6,706 |
| Net loans and leases to deposits | 59.2150% | 7,141 |
| Net loans and leases to core deposits | 63.1973% | 7,469 |
| Total domestic deposits to total assets | 90.3242% | 542 |
| Equity capital to assets | 9.2639% | 4,984 |
| Core capital (leverage) ratio | 9.2284% | 4,393 |
| Tier 1 risk-based capital ratio | 15.6102% | 2,811 |
| Total risk-based capital ratio | 16.8615% | 2,735 |
| Memoranda: | ||
| Average total assets | $18,393,000 | 8,067 |
| Average earning assets | $17,198,200 | 8,035 |
| Average equity | $1,686,000 | 8,185 |
| Average total loans | $10,190,000 | 7,928 |