Home > The Morris State Bank > Performance and Condition Ratios
The Morris State Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0045% | 809 |
| Cost of funding earning assets | 0.7482% | 1,375 |
| Net interest margin | 4.2563% | 1,140 |
| Noninterest income to average assets | 0.8371% | 1,361 |
| Noninterest expense to average assets | 2.9195% | 2,293 |
| Loan and lease loss provision to assets | 0.0517% | 2,882 |
| Net operating income to assets | 0.8061% | 3,838 |
| Return on assets (ROA) | 0.8061% | 3,837 |
| Pretax return on assets | 1.8783% | 814 |
| Return on Equity (ROE) | 9.7480% | 2,687 |
| Retained earnings to average equity (ytd only) | 0.9998% | 4,759 |
| Net charge-offs to loans | 0.1002% | 1,352 |
| Credit loss provision to net charge-offs | 68.9655% | 2,363 |
| Earnings coverage of net charge-offs (x) | 25.7586% | 1,628 |
| Efficiency ratio | 60.2025% | 3,908 |
| Assets per employee ($millions) | 3.8175% | 4,181 |
| Cash dividends to net income (ytd only)* | 89.7436% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 3,905 |
| Loan loss allowance to noncurrent loans | 260.6481% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 3,400 |
| Noncurrent loans to loans | 0.3804% | 3,332 |
| Net loans and leases to total assets | 73.6424% | 2,004 |
| Net loans and leases to deposits | 87.3169% | 2,180 |
| Net loans and leases to core deposits | 104.9639% | 1,316 |
| Total domestic deposits to total assets | 84.3392% | 2,940 |
| Equity capital to assets | 8.5121% | 4,932 |
| Core capital (leverage) ratio | 8.8347% | 4,855 |
| Tier 1 risk-based capital ratio | 14.2821% | 3,214 |
| Total risk-based capital ratio | 15.4786% | 3,168 |
| Memoranda: | ||
| Average total assets | $77,410,670 | 4,562 |
| Average earning assets | $72,974,670 | 4,528 |
| Average equity | $6,401,330 | 4,944 |
| Average total loans | $57,911,670 | 4,221 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 674 |
| Cost of funding earning assets | 0.7747% | 1,078 |
| Net interest margin | 4.2421% | 1,071 |
| Noninterest income to average assets | 0.8673% | 1,238 |
| Noninterest expense to average assets | 3.0023% | 2,054 |
| Loan and lease loss provision to assets | 0.0770% | 2,228 |
| Net operating income to assets | 0.1540% | 5,284 |
| Return on assets (ROA) | 0.1540% | 5,280 |
| Pretax return on assets | 1.8065% | 902 |
| Return on Equity (ROE) | 1.8890% | 5,199 |
| Retained earnings to average equity (ytd only) | -15.7418% | 5,464 |
| Net charge-offs to loans | 0.1095% | 1,119 |
| Credit loss provision to net charge-offs | 93.7500% | 1,644 |
| Earnings coverage of net charge-offs (x) | 22.9375% | 1,391 |
| Efficiency ratio | 61.4496% | 3,879 |
| Assets per employee ($millions) | 3.8225% | 4,256 |
| Cash dividends to net income (ytd only)* | 933.3333% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 4,044 |
| Loan loss allowance to noncurrent loans | 159.0529% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 2,975 |
| Noncurrent loans to loans | 0.6193% | 2,683 |
| Net loans and leases to total assets | 75.0801% | 1,698 |
| Net loans and leases to deposits | 87.7726% | 1,961 |
| Net loans and leases to core deposits | 106.2355% | 1,218 |
| Total domestic deposits to total assets | 85.5394% | 2,736 |
| Equity capital to assets | 8.1322% | 5,214 |
| Core capital (leverage) ratio | 8.1630% | 5,338 |
| Tier 1 risk-based capital ratio | 13.4221% | 3,708 |
| Total risk-based capital ratio | 14.6124% | 3,654 |
| Memoranda: | ||
| Average total assets | $77,941,000 | 4,605 |
| Average earning assets | $73,832,000 | 4,554 |
| Average equity | $6,352,500 | 5,006 |
| Average total loans | $58,473,000 | 4,237 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9651% | 690 |
| Cost of funding earning assets | 0.6444% | 1,331 |
| Net interest margin | 4.3207% | 924 |
| Noninterest income to average assets | 0.9009% | 1,265 |
| Noninterest expense to average assets | 3.0747% | 1,937 |
| Loan and lease loss provision to assets | 0.0627% | 2,980 |
| Net operating income to assets | 1.8514% | 369 |
| Return on assets (ROA) | 1.8540% | 373 |
| Pretax return on assets | 1.8540% | 681 |
| Return on Equity (ROE) | 22.2062% | 122 |
| Retained earnings to average equity (ytd only) | 3.1902% | 3,392 |
| Net charge-offs to loans | 0.1224% | 1,825 |
| Credit loss provision to net charge-offs | 69.5652% | 3,092 |
| Earnings coverage of net charge-offs (x) | 21.2464% | 1,920 |
| Efficiency ratio | 61.6331% | 3,996 |
| Assets per employee ($millions) | 3.7825% | 4,308 |
| Cash dividends to net income (ytd only)* | 85.6338% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 4,101 |
| Loan loss allowance to noncurrent loans | 369.6774% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 4,002 |
| Noncurrent loans to loans | 0.2628% | 3,844 |
| Net loans and leases to total assets | 73.5261% | 1,998 |
| Net loans and leases to deposits | 93.8503% | 1,292 |
| Net loans and leases to core deposits | 114.2309% | 788 |
| Total domestic deposits to total assets | 78.3440% | 4,662 |
| Equity capital to assets | 8.1679% | 5,318 |
| Core capital (leverage) ratio | 8.6086% | 5,036 |
| Tier 1 risk-based capital ratio | 13.5830% | 3,579 |
| Total risk-based capital ratio | 14.7467% | 3,538 |
| Memoranda: | ||
| Average total assets | $76,592,600 | 4,655 |
| Average earning assets | $72,465,800 | 4,611 |
| Average equity | $6,394,600 | 5,044 |
| Average total loans | $56,387,000 | 4,281 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 691 |
| Cost of funding earning assets | 0.6307% | 1,352 |
| Net interest margin | 4.3127% | 894 |
| Noninterest income to average assets | 0.9295% | 1,191 |
| Noninterest expense to average assets | 3.0801% | 1,855 |
| Loan and lease loss provision to assets | 0.0492% | 3,110 |
| Net operating income to assets | 1.8853% | 396 |
| Return on assets (ROA) | 1.8888% | 402 |
| Pretax return on assets | 1.8888% | 707 |
| Return on Equity (ROE) | 22.4964% | 122 |
| Retained earnings to average equity (ytd only) | 3.4529% | 3,875 |
| Net charge-offs to loans | 0.0550% | 2,349 |
| Credit loss provision to net charge-offs | 121.7391% | 1,986 |
| Earnings coverage of net charge-offs (x) | 47.8631% | 1,148 |
| Efficiency ratio | 61.4226% | 3,969 |
| Assets per employee ($millions) | 3.4775% | 4,756 |
| Cash dividends to net income (ytd only)* | 84.6508% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,782 |
| Loan loss allowance to noncurrent loans | 301.0050% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 4,024 |
| Noncurrent loans to loans | 0.3493% | 3,697 |
| Net loans and leases to total assets | 73.6831% | 1,970 |
| Net loans and leases to deposits | 88.0524% | 2,055 |
| Net loans and leases to core deposits | 107.8498% | 1,144 |
| Total domestic deposits to total assets | 83.6810% | 3,235 |
| Equity capital to assets | 8.5758% | 5,235 |
| Core capital (leverage) ratio | 8.8008% | 4,967 |
| Tier 1 risk-based capital ratio | 14.0850% | 3,403 |
| Total risk-based capital ratio | 15.3352% | 3,313 |
| Memoranda: | ||
| Average total assets | $75,882,500 | 4,716 |
| Average earning assets | $71,878,250 | 4,671 |
| Average equity | $6,371,250 | 5,104 |
| Average total loans | $55,739,500 | 4,336 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 654 |
| Cost of funding earning assets | 0.6366% | 1,219 |
| Net interest margin | 4.2916% | 883 |
| Noninterest income to average assets | 0.9382% | 1,158 |
| Noninterest expense to average assets | 3.1345% | 1,753 |
| Loan and lease loss provision to assets | 0.0396% | 3,218 |
| Net operating income to assets | 1.8262% | 430 |
| Return on assets (ROA) | 1.8262% | 444 |
| Pretax return on assets | 1.8262% | 788 |
| Return on Equity (ROE) | 21.9087% | 142 |
| Retained earnings to average equity (ytd only) | 2.5682% | 4,154 |
| Net charge-offs to loans | 0.0615% | 2,044 |
| Credit loss provision to net charge-offs | 88.2353% | 2,164 |
| Earnings coverage of net charge-offs (x) | 41.5294% | 1,216 |
| Efficiency ratio | 62.6850% | 3,870 |
| Assets per employee ($millions) | 3.4151% | 4,840 |
| Cash dividends to net income (ytd only)* | 88.2779% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,707 |
| Loan loss allowance to noncurrent loans | 306.1856% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 4,091 |
| Noncurrent loans to loans | 0.3519% | 3,769 |
| Net loans and leases to total assets | 72.5949% | 2,108 |
| Net loans and leases to deposits | 79.7643% | 2,937 |
| Net loans and leases to core deposits | 97.3808% | 1,864 |
| Total domestic deposits to total assets | 91.0118% | 219 |
| Equity capital to assets | 8.6142% | 5,215 |
| Core capital (leverage) ratio | 8.7346% | 5,018 |
| Tier 1 risk-based capital ratio | 14.2377% | 3,293 |
| Total risk-based capital ratio | 15.4889% | 3,210 |
| Memoranda: | ||
| Average total assets | $75,674,670 | 4,747 |
| Average earning assets | $71,627,670 | 4,706 |
| Average equity | $6,308,000 | 5,141 |
| Average total loans | $55,329,000 | 4,378 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 625 |
| Cost of funding earning assets | 0.5670% | 1,607 |
| Net interest margin | 4.3359% | 722 |
| Noninterest income to average assets | 0.9428% | 1,123 |
| Noninterest expense to average assets | 3.1075% | 1,847 |
| Loan and lease loss provision to assets | 0.0421% | 2,959 |
| Net operating income to assets | 1.9014% | 363 |
| Return on assets (ROA) | 1.9014% | 378 |
| Pretax return on assets | 1.9014% | 633 |
| Return on Equity (ROE) | 23.1931% | 117 |
| Retained earnings to average equity (ytd only) | 3.2766% | 3,798 |
| Net charge-offs to loans | 0.0794% | 1,541 |
| Credit loss provision to net charge-offs | 72.7273% | 1,811 |
| Earnings coverage of net charge-offs (x) | 33.5455% | 1,145 |
| Efficiency ratio | 61.5224% | 4,225 |
| Assets per employee ($millions) | 3.4300% | 4,887 |
| Cash dividends to net income (ytd only)* | 85.8726% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,880 |
| Loan loss allowance to noncurrent loans | 348.2353% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 4,319 |
| Noncurrent loans to loans | 0.3075% | 4,019 |
| Net loans and leases to total assets | 72.4732% | 2,007 |
| Net loans and leases to deposits | 80.0741% | 2,745 |
| Net loans and leases to core deposits | 97.4953% | 1,702 |
| Total domestic deposits to total assets | 90.5077% | 474 |
| Equity capital to assets | 8.3659% | 5,324 |
| Core capital (leverage) ratio | 8.5404% | 5,200 |
| Tier 1 risk-based capital ratio | 14.1828% | 3,372 |
| Total risk-based capital ratio | 15.4330% | 3,290 |
| Memoranda: | ||
| Average total assets | $75,946,000 | 4,795 |
| Average earning assets | $71,957,000 | 4,747 |
| Average equity | $6,226,000 | 5,203 |
| Average total loans | $55,425,500 | 4,411 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 621 |
| Cost of funding earning assets | 0.5882% | 1,423 |
| Net interest margin | 4.3887% | 793 |
| Noninterest income to average assets | 0.9196% | 1,347 |
| Noninterest expense to average assets | 3.0412% | 2,216 |
| Loan and lease loss provision to assets | 0.0210% | 3,952 |
| Net operating income to assets | 2.0231% | 303 |
| Return on assets (ROA) | 2.1176% | 266 |
| Pretax return on assets | 2.1176% | 387 |
| Return on Equity (ROE) | 25.4283% | 70 |
| Retained earnings to average equity (ytd only) | 4.2118% | 2,910 |
| Net charge-offs to loans | 0.0604% | 2,847 |
| Credit loss provision to net charge-offs | 47.0588% | 3,412 |
| Earnings coverage of net charge-offs (x) | 45.7647% | 1,068 |
| Efficiency ratio | 59.8037% | 4,614 |
| Assets per employee ($millions) | 3.4741% | 4,796 |
| Cash dividends to net income (ytd only)* | 83.4367% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 3,882 |
| Loan loss allowance to noncurrent loans | 479.8387% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 4,672 |
| Noncurrent loans to loans | 0.2231% | 4,352 |
| Net loans and leases to total assets | 71.9276% | 2,174 |
| Net loans and leases to deposits | 83.2778% | 2,505 |
| Net loans and leases to core deposits | 100.1257% | 1,612 |
| Total domestic deposits to total assets | 86.3707% | 2,423 |
| Equity capital to assets | 8.0321% | 5,552 |
| Core capital (leverage) ratio | 8.3994% | 5,370 |
| Tier 1 risk-based capital ratio | 14.0000% | 3,464 |
| Total risk-based capital ratio | 15.2504% | 3,372 |
| Memoranda: | ||
| Average total assets | $76,122,200 | 4,812 |
| Average earning assets | $72,254,400 | 4,753 |
| Average equity | $6,339,400 | 5,221 |
| Average total loans | $56,283,400 | 4,402 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0199% | 579 |
| Cost of funding earning assets | 0.5853% | 1,454 |
| Net interest margin | 4.4346% | 730 |
| Noninterest income to average assets | 0.9135% | 1,363 |
| Noninterest expense to average assets | 3.0209% | 2,260 |
| Loan and lease loss provision to assets | 0.0105% | 4,032 |
| Net operating income to assets | 2.0934% | 298 |
| Return on assets (ROA) | 2.2197% | 250 |
| Pretax return on assets | 2.2197% | 368 |
| Return on Equity (ROE) | 26.4177% | 68 |
| Retained earnings to average equity (ytd only) | 5.6549% | 2,397 |
| Net charge-offs to loans | 0.0236% | 3,201 |
| Credit loss provision to net charge-offs | 60.0000% | 2,907 |
| Earnings coverage of net charge-offs (x) | 120.0270% | 573 |
| Efficiency ratio | 58.9463% | 4,692 |
| Assets per employee ($millions) | 3.5252% | 4,743 |
| Cash dividends to net income (ytd only)* | 78.5937% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,899 |
| Loan loss allowance to noncurrent loans | 414.2857% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 4,675 |
| Noncurrent loans to loans | 0.2625% | 4,320 |
| Net loans and leases to total assets | 71.4113% | 2,277 |
| Net loans and leases to deposits | 83.9111% | 2,493 |
| Net loans and leases to core deposits | 86.3228% | 2,922 |
| Total domestic deposits to total assets | 85.1035% | 2,759 |
| Equity capital to assets | 8.4082% | 5,583 |
| Core capital (leverage) ratio | 8.4631% | 5,394 |
| Tier 1 risk-based capital ratio | 13.8679% | 3,628 |
| Total risk-based capital ratio | 15.1187% | 3,553 |
| Memoranda: | ||
| Average total assets | $76,045,000 | 4,844 |
| Average earning assets | $72,217,750 | 4,791 |
| Average equity | $6,389,500 | 5,265 |
| Average total loans | $56,461,750 | 4,429 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 620 |
| Cost of funding earning assets | 0.5766% | 1,492 |
| Net interest margin | 4.3985% | 770 |
| Noninterest income to average assets | 0.8763% | 1,452 |
| Noninterest expense to average assets | 3.1029% | 2,053 |
| Loan and lease loss provision to assets | 0.0132% | 3,840 |
| Net operating income to assets | 1.9407% | 370 |
| Return on assets (ROA) | 2.1313% | 272 |
| Pretax return on assets | 2.1313% | 439 |
| Return on Equity (ROE) | 25.3716% | 83 |
| Retained earnings to average equity (ytd only) | 5.0428% | 2,708 |
| Net charge-offs to loans | 0.0247% | 2,991 |
| Credit loss provision to net charge-offs | 71.4286% | 2,459 |
| Earnings coverage of net charge-offs (x) | 105.4286% | 547 |
| Efficiency ratio | 61.3613% | 4,449 |
| Assets per employee ($millions) | 3.4767% | 4,788 |
| Cash dividends to net income (ytd only)* | 80.1242% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 4,021 |
| Loan loss allowance to noncurrent loans | 204.6823% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 3,929 |
| Noncurrent loans to loans | 0.5310% | 3,488 |
| Net loans and leases to total assets | 72.8153% | 2,040 |
| Net loans and leases to deposits | 82.6274% | 2,636 |
| Net loans and leases to core deposits | 99.9641% | 1,635 |
| Total domestic deposits to total assets | 88.1249% | 1,370 |
| Equity capital to assets | 8.4144% | 5,648 |
| Core capital (leverage) ratio | 8.3536% | 5,487 |
| Tier 1 risk-based capital ratio | 13.6155% | 3,828 |
| Total risk-based capital ratio | 14.8669% | 3,750 |
| Memoranda: | ||
| Average total assets | $75,541,670 | 4,897 |
| Average earning assets | $71,798,000 | 4,843 |
| Average equity | $6,345,670 | 5,321 |
| Average total loans | $56,618,330 | 4,453 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0322% | 544 |
| Cost of funding earning assets | 0.5610% | 1,615 |
| Net interest margin | 4.4712% | 644 |
| Noninterest income to average assets | 0.8792% | 1,359 |
| Noninterest expense to average assets | 3.1331% | 2,011 |
| Loan and lease loss provision to assets | 0.0266% | 3,317 |
| Net operating income to assets | 1.9662% | 358 |
| Return on assets (ROA) | 1.9662% | 376 |
| Pretax return on assets | 1.9662% | 610 |
| Return on Equity (ROE) | 23.4267% | 121 |
| Retained earnings to average equity (ytd only) | 1.2063% | 4,767 |
| Net charge-offs to loans | -0.0141% | 4,684 |
| Credit loss provision to net charge-offs | -250.0000% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1227% | 4,584 |
| Assets per employee ($millions) | 3.4146% | 4,942 |
| Cash dividends to net income (ytd only)* | 94.8509% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 4,067 |
| Loan loss allowance to noncurrent loans | 196.2025% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 3,910 |
| Noncurrent loans to loans | 0.5592% | 3,510 |
| Net loans and leases to total assets | 74.4040% | 1,660 |
| Net loans and leases to deposits | 81.3865% | 2,617 |
| Net loans and leases to core deposits | 90.9895% | 2,284 |
| Total domestic deposits to total assets | 91.4205% | 176 |
| Equity capital to assets | 8.4424% | 5,606 |
| Core capital (leverage) ratio | 8.2013% | 5,651 |
| Tier 1 risk-based capital ratio | 13.2416% | 4,123 |
| Total risk-based capital ratio | 14.4927% | 4,054 |
| Memoranda: | ||
| Average total assets | $75,068,500 | 4,956 |
| Average earning assets | $71,301,500 | 4,891 |
| Average equity | $6,300,500 | 5,363 |
| Average total loans | $56,774,000 | 4,479 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1584% | 462 |
| Cost of funding earning assets | 0.5093% | 2,080 |
| Net interest margin | 4.6491% | 497 |
| Noninterest income to average assets | 0.8920% | 1,464 |
| Noninterest expense to average assets | 3.0542% | 2,367 |
| Loan and lease loss provision to assets | 0.0700% | 2,884 |
| Net operating income to assets | 2.1769% | 260 |
| Return on assets (ROA) | 2.1769% | 267 |
| Pretax return on assets | 2.1769% | 363 |
| Return on Equity (ROE) | 26.8272% | 81 |
| Retained earnings to average equity (ytd only) | 4.6094% | 2,702 |
| Net charge-offs to loans | 0.0818% | 2,664 |
| Credit loss provision to net charge-offs | 113.0435% | 2,249 |
| Earnings coverage of net charge-offs (x) | 36.3043% | 1,271 |
| Efficiency ratio | 57.6142% | 5,187 |
| Assets per employee ($millions) | 3.4098% | 4,966 |
| Cash dividends to net income (ytd only)* | 82.8183% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 4,193 |
| Loan loss allowance to noncurrent loans | 177.9070% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 3,771 |
| Noncurrent loans to loans | 0.6031% | 3,361 |
| Net loans and leases to total assets | 75.2146% | 1,533 |
| Net loans and leases to deposits | 84.0053% | 2,360 |
| Net loans and leases to core deposits | 86.9625% | 2,701 |
| Total domestic deposits to total assets | 89.5356% | 835 |
| Equity capital to assets | 8.3436% | 5,672 |
| Core capital (leverage) ratio | 8.2132% | 5,686 |
| Tier 1 risk-based capital ratio | 13.0809% | 4,256 |
| Total risk-based capital ratio | 14.3311% | 4,171 |
| Memoranda: | ||
| Average total assets | $74,324,600 | 4,984 |
| Average earning assets | $70,487,400 | 4,924 |
| Average equity | $6,031,200 | 5,434 |
| Average total loans | $56,203,800 | 4,499 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1089% | 508 |
| Cost of funding earning assets | 0.5008% | 2,199 |
| Net interest margin | 4.6081% | 533 |
| Noninterest income to average assets | 0.8577% | 1,593 |
| Noninterest expense to average assets | 3.0423% | 2,392 |
| Loan and lease loss provision to assets | 0.0521% | 3,151 |
| Net operating income to assets | 2.1307% | 289 |
| Return on assets (ROA) | 2.1307% | 306 |
| Pretax return on assets | 2.1307% | 475 |
| Return on Equity (ROE) | 26.4462% | 92 |
| Retained earnings to average equity (ytd only) | 4.1287% | 3,529 |
| Net charge-offs to loans | 0.0714% | 2,540 |
| Credit loss provision to net charge-offs | 96.6667% | 2,357 |
| Earnings coverage of net charge-offs (x) | 40.4658% | 1,234 |
| Efficiency ratio | 58.2244% | 5,095 |
| Assets per employee ($millions) | 3.4179% | 4,949 |
| Cash dividends to net income (ytd only)* | 84.3882% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 4,398 |
| Loan loss allowance to noncurrent loans | 202.0000% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 4,177 |
| Noncurrent loans to loans | 0.5285% | 3,760 |
| Net loans and leases to total assets | 74.6802% | 1,613 |
| Net loans and leases to deposits | 83.2185% | 2,504 |
| Net loans and leases to core deposits | 92.5322% | 2,215 |
| Total domestic deposits to total assets | 89.7399% | 678 |
| Equity capital to assets | 8.1456% | 5,900 |
| Core capital (leverage) ratio | 8.1475% | 5,814 |
| Tier 1 risk-based capital ratio | 12.8583% | 4,521 |
| Total risk-based capital ratio | 14.1049% | 4,434 |
| Memoranda: | ||
| Average total assets | $74,151,750 | 5,043 |
| Average earning assets | $70,280,750 | 4,988 |
| Average equity | $5,974,250 | 5,505 |
| Average total loans | $55,996,000 | 4,538 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1172% | 485 |
| Cost of funding earning assets | 0.4985% | 2,263 |
| Net interest margin | 4.6187% | 518 |
| Noninterest income to average assets | 0.8699% | 1,541 |
| Noninterest expense to average assets | 3.1109% | 2,216 |
| Loan and lease loss provision to assets | 0.0650% | 2,819 |
| Net operating income to assets | 2.0622% | 326 |
| Return on assets (ROA) | 2.0622% | 344 |
| Pretax return on assets | 2.0622% | 530 |
| Return on Equity (ROE) | 25.6921% | 109 |
| Retained earnings to average equity (ytd only) | 3.7475% | 3,622 |
| Net charge-offs to loans | 0.0718% | 2,362 |
| Credit loss provision to net charge-offs | 120.0000% | 1,806 |
| Earnings coverage of net charge-offs (x) | 39.2500% | 1,142 |
| Efficiency ratio | 59.3895% | 5,061 |
| Assets per employee ($millions) | 3.2263% | 5,303 |
| Cash dividends to net income (ytd only)* | 85.4139% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 4,414 |
| Loan loss allowance to noncurrent loans | 205.3872% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 4,302 |
| Noncurrent loans to loans | 0.5278% | 3,873 |
| Net loans and leases to total assets | 75.0088% | 1,502 |
| Net loans and leases to deposits | 81.6838% | 2,601 |
| Net loans and leases to core deposits | 83.9634% | 2,988 |
| Total domestic deposits to total assets | 91.8282% | 143 |
| Equity capital to assets | 8.0223% | 5,973 |
| Core capital (leverage) ratio | 8.1141% | 5,859 |
| Tier 1 risk-based capital ratio | 12.7238% | 4,665 |
| Total risk-based capital ratio | 13.9735% | 4,590 |
| Memoranda: | ||
| Average total assets | $73,804,330 | 5,108 |
| Average earning assets | $69,803,330 | 5,047 |
| Average equity | $5,924,000 | 5,566 |
| Average total loans | $55,741,000 | 4,593 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1200% | 465 |
| Cost of funding earning assets | 0.4901% | 2,382 |
| Net interest margin | 4.6299% | 473 |
| Noninterest income to average assets | 0.8750% | 1,479 |
| Noninterest expense to average assets | 3.1738% | 2,054 |
| Loan and lease loss provision to assets | 0.0489% | 2,952 |
| Net operating income to assets | 2.0162% | 331 |
| Return on assets (ROA) | 2.0162% | 350 |
| Pretax return on assets | 2.0162% | 568 |
| Return on Equity (ROE) | 25.1121% | 100 |
| Retained earnings to average equity (ytd only) | 1.4214% | 4,915 |
| Net charge-offs to loans | -0.0288% | 5,227 |
| Credit loss provision to net charge-offs | -225.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5809% | 5,019 |
| Assets per employee ($millions) | 3.3943% | 5,090 |
| Cash dividends to net income (ytd only)* | 94.3396% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 4,415 |
| Loan loss allowance to noncurrent loans | 352.2727% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 4,994 |
| Noncurrent loans to loans | 0.3183% | 4,653 |
| Net loans and leases to total assets | 73.2142% | 1,616 |
| Net loans and leases to deposits | 79.6898% | 2,592 |
| Net loans and leases to core deposits | 82.4852% | 2,910 |
| Total domestic deposits to total assets | 91.8740% | 161 |
| Equity capital to assets | 7.9773% | 6,042 |
| Core capital (leverage) ratio | 8.1275% | 5,867 |
| Tier 1 risk-based capital ratio | 12.8919% | 4,668 |
| Total risk-based capital ratio | 14.1429% | 4,583 |
| Memoranda: | ||
| Average total assets | $73,603,500 | 5,160 |
| Average earning assets | $69,375,000 | 5,109 |
| Average equity | $5,909,500 | 5,622 |
| Average total loans | $55,476,000 | 4,626 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2965% | 448 |
| Cost of funding earning assets | 0.4594% | 3,081 |
| Net interest margin | 4.8371% | 404 |
| Noninterest income to average assets | 0.9802% | 1,259 |
| Noninterest expense to average assets | 3.0177% | 2,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.5126% | 142 |
| Return on assets (ROA) | 2.5126% | 145 |
| Pretax return on assets | 2.5126% | 184 |
| Return on Equity (ROE) | 30.7068% | 53 |
| Retained earnings to average equity (ytd only) | -3.1301% | 6,098 |
| Net charge-offs to loans | 0.0149% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 219.5000% | 244 |
| Efficiency ratio | 54.5666% | 5,801 |
| Assets per employee ($millions) | 3.2970% | 5,263 |
| Cash dividends to net income (ytd only)* | 110.1936% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 4,579 |
| Loan loss allowance to noncurrent loans | 281.0185% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 4,843 |
| Noncurrent loans to loans | 0.3881% | 4,479 |
| Net loans and leases to total assets | 75.9006% | 1,283 |
| Net loans and leases to deposits | 86.0862% | 1,969 |
| Net loans and leases to core deposits | 88.8970% | 2,395 |
| Total domestic deposits to total assets | 88.1681% | 1,674 |
| Equity capital to assets | 8.0818% | 6,023 |
| Core capital (leverage) ratio | 8.3018% | 5,776 |
| Tier 1 risk-based capital ratio | 12.8939% | 4,799 |
| Total risk-based capital ratio | 14.1449% | 4,710 |
| Memoranda: | ||
| Average total assets | $69,886,600 | 5,295 |
| Average earning assets | $65,741,800 | 5,236 |
| Average equity | $5,718,600 | 5,690 |
| Average total loans | $53,647,200 | 4,704 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2728% | 457 |
| Cost of funding earning assets | 0.4617% | 3,136 |
| Net interest margin | 4.8111% | 417 |
| Noninterest income to average assets | 0.9919% | 1,245 |
| Noninterest expense to average assets | 2.9854% | 2,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.5424% | 137 |
| Return on assets (ROA) | 2.5424% | 138 |
| Pretax return on assets | 2.5424% | 196 |
| Return on Equity (ROE) | 30.9702% | 53 |
| Retained earnings to average equity (ytd only) | -6.9213% | 6,321 |
| Net charge-offs to loans | 0.0050% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 659.1610% | 119 |
| Efficiency ratio | 54.0070% | 5,823 |
| Assets per employee ($millions) | 3.1556% | 5,507 |
| Cash dividends to net income (ytd only)* | 122.3482% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 4,597 |
| Loan loss allowance to noncurrent loans | 278.1818% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 4,826 |
| Noncurrent loans to loans | 0.4072% | 4,684 |
| Net loans and leases to total assets | 76.9475% | 1,098 |
| Net loans and leases to deposits | 84.0585% | 2,143 |
| Net loans and leases to core deposits | 87.2862% | 2,504 |
| Total domestic deposits to total assets | 91.5404% | 225 |
| Equity capital to assets | 8.3156% | 5,930 |
| Core capital (leverage) ratio | 8.3998% | 5,758 |
| Tier 1 risk-based capital ratio | 13.0836% | 4,808 |
| Total risk-based capital ratio | 14.3351% | 4,736 |
| Memoranda: | ||
| Average total assets | $69,225,000 | 5,367 |
| Average earning assets | $65,264,750 | 5,302 |
| Average equity | $5,682,750 | 5,748 |
| Average total loans | $53,144,000 | 4,765 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3056% | 428 |
| Cost of funding earning assets | 0.4650% | 3,163 |
| Net interest margin | 4.8406% | 384 |
| Noninterest income to average assets | 1.0064% | 1,183 |
| Noninterest expense to average assets | 2.9931% | 2,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.5593% | 130 |
| Return on assets (ROA) | 2.5593% | 133 |
| Pretax return on assets | 2.5593% | 190 |
| Return on Equity (ROE) | 31.3126% | 49 |
| Retained earnings to average equity (ytd only) | -12.7373% | 6,466 |
| Net charge-offs to loans | -0.0038% | 5,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9063% | 5,917 |
| Assets per employee ($millions) | 3.1687% | 5,476 |
| Cash dividends to net income (ytd only)* | 140.6780% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 4,599 |
| Loan loss allowance to noncurrent loans | 198.3923% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 4,521 |
| Noncurrent loans to loans | 0.5865% | 4,266 |
| Net loans and leases to total assets | 75.1850% | 1,280 |
| Net loans and leases to deposits | 81.9670% | 2,254 |
| Net loans and leases to core deposits | 85.2604% | 2,582 |
| Total domestic deposits to total assets | 91.7260% | 213 |
| Equity capital to assets | 8.1378% | 6,074 |
| Core capital (leverage) ratio | 8.3106% | 5,836 |
| Tier 1 risk-based capital ratio | 13.0361% | 4,886 |
| Total risk-based capital ratio | 14.2890% | 4,814 |
| Memoranda: | ||
| Average total assets | $69,158,670 | 5,416 |
| Average earning assets | $64,950,330 | 5,352 |
| Average equity | $5,652,670 | 5,791 |
| Average total loans | $52,848,000 | 4,797 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2624% | 438 |
| Cost of funding earning assets | 0.4678% | 3,250 |
| Net interest margin | 4.7947% | 387 |
| Noninterest income to average assets | 1.0685% | 975 |
| Noninterest expense to average assets | 3.1474% | 2,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.4448% | 161 |
| Return on assets (ROA) | 2.4448% | 169 |
| Pretax return on assets | 2.4448% | 248 |
| Return on Equity (ROE) | 29.8449% | 68 |
| Retained earnings to average equity (ytd only) | -35.7288% | 6,639 |
| Net charge-offs to loans | -0.0227% | 5,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2825% | 5,813 |
| Assets per employee ($millions) | 3.1290% | 5,632 |
| Cash dividends to net income (ytd only)* | 219.7150% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 4,785 |
| Loan loss allowance to noncurrent loans | 153.5980% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 4,224 |
| Noncurrent loans to loans | 0.7605% | 3,964 |
| Net loans and leases to total assets | 76.0804% | 995 |
| Net loans and leases to deposits | 82.7195% | 1,978 |
| Net loans and leases to core deposits | 86.3116% | 2,287 |
| Total domestic deposits to total assets | 91.9740% | 245 |
| Equity capital to assets | 7.9010% | 6,120 |
| Core capital (leverage) ratio | 8.1708% | 5,976 |
| Tier 1 risk-based capital ratio | 12.6161% | 5,244 |
| Total risk-based capital ratio | 13.8685% | 5,182 |
| Memoranda: | ||
| Average total assets | $68,882,000 | 5,478 |
| Average earning assets | $64,989,000 | 5,409 |
| Average equity | $5,642,500 | 5,833 |
| Average total loans | $52,757,000 | 4,831 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3458% | 485 |
| Cost of funding earning assets | 0.5113% | 3,483 |
| Net interest margin | 4.8345% | 402 |
| Noninterest income to average assets | 0.9347% | 1,567 |
| Noninterest expense to average assets | 2.8204% | 3,654 |
| Loan and lease loss provision to assets | 0.1101% | 2,968 |
| Net operating income to assets | 2.5416% | 161 |
| Return on assets (ROA) | 2.5416% | 165 |
| Pretax return on assets | 2.5416% | 191 |
| Return on Equity (ROE) | 29.7728% | 74 |
| Retained earnings to average equity (ytd only) | 5.4835% | 2,281 |
| Net charge-offs to loans | 0.0385% | 4,694 |
| Credit loss provision to net charge-offs | 375.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 90.3500% | 500 |
| Efficiency ratio | 51.5420% | 6,334 |
| Assets per employee ($millions) | 2.9967% | 5,841 |
| Cash dividends to net income (ytd only)* | 81.5820% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 4,809 |
| Loan loss allowance to noncurrent loans | 148.1928% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 4,253 |
| Noncurrent loans to loans | 0.7901% | 4,003 |
| Net loans and leases to total assets | 75.3094% | 1,182 |
| Net loans and leases to deposits | 84.1690% | 1,913 |
| Net loans and leases to core deposits | 87.3708% | 2,307 |
| Total domestic deposits to total assets | 89.4741% | 1,347 |
| Equity capital to assets | 8.4817% | 5,598 |
| Core capital (leverage) ratio | 8.9976% | 5,010 |
| Tier 1 risk-based capital ratio | 13.7069% | 4,516 |
| Total risk-based capital ratio | 14.9574% | 4,458 |
| Memoranda: | ||
| Average total assets | $68,146,800 | 5,534 |
| Average earning assets | $63,956,600 | 5,469 |
| Average equity | $5,817,400 | 5,859 |
| Average total loans | $52,011,800 | 4,890 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3314% | 504 |
| Cost of funding earning assets | 0.5170% | 3,599 |
| Net interest margin | 4.8144% | 419 |
| Noninterest income to average assets | 0.9497% | 1,604 |
| Noninterest expense to average assets | 2.7254% | 3,922 |
| Loan and lease loss provision to assets | 0.1373% | 2,571 |
| Net operating income to assets | 2.5998% | 156 |
| Return on assets (ROA) | 2.5998% | 162 |
| Pretax return on assets | 2.5998% | 220 |
| Return on Equity (ROE) | 30.4052% | 66 |
| Retained earnings to average equity (ytd only) | 5.4385% | 2,769 |
| Net charge-offs to loans | 0.0591% | 4,061 |
| Credit loss provision to net charge-offs | 304.3478% | 833 |
| Earnings coverage of net charge-offs (x) | 60.6440% | 752 |
| Efficiency ratio | 49.8922% | 6,403 |
| Assets per employee ($millions) | 2.9732% | 5,891 |
| Cash dividends to net income (ytd only)* | 82.1133% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 5,034 |
| Loan loss allowance to noncurrent loans | 129.9145% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 4,341 |
| Noncurrent loans to loans | 0.8987% | 4,026 |
| Net loans and leases to total assets | 75.2632% | 1,107 |
| Net loans and leases to deposits | 82.3053% | 2,102 |
| Net loans and leases to core deposits | 85.9189% | 2,416 |
| Total domestic deposits to total assets | 91.4439% | 381 |
| Equity capital to assets | 8.4420% | 5,800 |
| Core capital (leverage) ratio | 8.9506% | 5,204 |
| Tier 1 risk-based capital ratio | 12.6401% | 5,368 |
| Total risk-based capital ratio | 13.8909% | 5,312 |
| Memoranda: | ||
| Average total assets | $67,952,250 | 5,596 |
| Average earning assets | $63,696,000 | 5,536 |
| Average equity | $5,810,250 | 5,929 |
| Average total loans | $51,884,250 | 4,936 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3499% | 482 |
| Cost of funding earning assets | 0.5299% | 3,603 |
| Net interest margin | 4.8199% | 421 |
| Noninterest income to average assets | 0.8966% | 1,818 |
| Noninterest expense to average assets | 2.5749% | 4,473 |
| Loan and lease loss provision to assets | 0.1180% | 2,851 |
| Net operating income to assets | 2.7106% | 138 |
| Return on assets (ROA) | 2.7106% | 147 |
| Pretax return on assets | 2.7106% | 206 |
| Return on Equity (ROE) | 31.5663% | 62 |
| Retained earnings to average equity (ytd only) | 4.8431% | 3,153 |
| Net charge-offs to loans | 0.0232% | 4,375 |
| Credit loss provision to net charge-offs | 666.6667% | 440 |
| Earnings coverage of net charge-offs (x) | 159.8333% | 308 |
| Efficiency ratio | 47.6528% | 6,557 |
| Assets per employee ($millions) | 3.0504% | 5,764 |
| Cash dividends to net income (ytd only)* | 84.6572% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 5,228 |
| Loan loss allowance to noncurrent loans | 107.2072% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.8568% | 4,102 |
| Noncurrent loans to loans | 1.0754% | 3,776 |
| Net loans and leases to total assets | 76.0166% | 985 |
| Net loans and leases to deposits | 82.9874% | 1,929 |
| Net loans and leases to core deposits | 86.5862% | 2,277 |
| Total domestic deposits to total assets | 91.6002% | 345 |
| Equity capital to assets | 8.3104% | 5,964 |
| Core capital (leverage) ratio | 8.6152% | 5,535 |
| Tier 1 risk-based capital ratio | 12.5741% | 5,450 |
| Total risk-based capital ratio | 13.8233% | 5,393 |
| Memoranda: | ||
| Average total assets | $67,808,330 | 5,643 |
| Average earning assets | $63,403,330 | 5,584 |
| Average equity | $5,822,670 | 5,968 |
| Average total loans | $51,820,330 | 4,957 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3221% | 490 |
| Cost of funding earning assets | 0.5341% | 3,735 |
| Net interest margin | 4.7880% | 413 |
| Noninterest income to average assets | 0.9097% | 1,727 |
| Noninterest expense to average assets | 2.2184% | 5,639 |
| Loan and lease loss provision to assets | 0.0880% | 3,194 |
| Net operating income to assets | 3.0752% | 100 |
| Return on assets (ROA) | 3.0752% | 106 |
| Pretax return on assets | 3.0752% | 148 |
| Return on Equity (ROE) | 35.2536% | 50 |
| Retained earnings to average equity (ytd only) | 11.7063% | 746 |
| Net charge-offs to loans | -0.0231% | 5,786 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2214% | 6,850 |
| Assets per employee ($millions) | 3.1758% | 5,681 |
| Cash dividends to net income (ytd only)* | 66.7939% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 5,539 |
| Loan loss allowance to noncurrent loans | 233.0645% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 5,279 |
| Noncurrent loans to loans | 0.4790% | 5,225 |
| Net loans and leases to total assets | 73.2792% | 1,174 |
| Net loans and leases to deposits | 82.2048% | 1,799 |
| Net loans and leases to core deposits | 84.9915% | 2,217 |
| Total domestic deposits to total assets | 89.1422% | 1,602 |
| Equity capital to assets | 8.6192% | 5,893 |
| Core capital (leverage) ratio | 8.7471% | 5,262 |
| Tier 1 risk-based capital ratio | 13.0587% | 5,174 |
| Total risk-based capital ratio | 14.3095% | 5,127 |
| Memoranda: | ||
| Average total assets | $68,158,000 | 5,682 |
| Average earning assets | $63,659,000 | 5,625 |
| Average equity | $5,945,500 | 6,000 |
| Average total loans | $51,926,000 | 4,992 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8279% | 348 |
| Cost of funding earning assets | 0.6281% | 4,112 |
| Net interest margin | 5.1998% | 271 |
| Noninterest income to average assets | 1.0203% | 1,476 |
| Noninterest expense to average assets | 3.1692% | 2,717 |
| Loan and lease loss provision to assets | 0.1675% | 3,523 |
| Net operating income to assets | 2.5250% | 148 |
| Return on assets (ROA) | 2.5250% | 164 |
| Pretax return on assets | 2.5250% | 248 |
| Return on Equity (ROE) | 28.9850% | 79 |
| Retained earnings to average equity (ytd only) | 5.9963% | 2,078 |
| Net charge-offs to loans | 0.1603% | 4,103 |
| Credit loss provision to net charge-offs | 134.1463% | 2,083 |
| Earnings coverage of net charge-offs (x) | 21.5610% | 1,299 |
| Efficiency ratio | 54.0660% | 6,261 |
| Assets per employee ($millions) | 3.0204% | 5,982 |
| Cash dividends to net income (ytd only)* | 79.3124% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 5,642 |
| Loan loss allowance to noncurrent loans | 246.0526% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 4,867 |
| Noncurrent loans to loans | 0.4378% | 5,404 |
| Net loans and leases to total assets | 77.5256% | 727 |
| Net loans and leases to deposits | 87.7329% | 1,308 |
| Net loans and leases to core deposits | 92.6495% | 1,582 |
| Total domestic deposits to total assets | 88.3655% | 1,986 |
| Equity capital to assets | 8.8323% | 5,714 |
| Core capital (leverage) ratio | 8.7279% | 5,284 |
| Tier 1 risk-based capital ratio | 12.9353% | 5,157 |
| Total risk-based capital ratio | 14.1847% | 5,098 |
| Memoranda: | ||
| Average total assets | $65,664,000 | 5,759 |
| Average earning assets | $61,136,600 | 5,698 |
| Average equity | $5,720,200 | 6,093 |
| Average total loans | $51,147,800 | 5,061 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8498% | 367 |
| Cost of funding earning assets | 0.6424% | 4,261 |
| Net interest margin | 5.2073% | 293 |
| Noninterest income to average assets | 1.0183% | 1,460 |
| Noninterest expense to average assets | 3.1037% | 2,879 |
| Loan and lease loss provision to assets | 0.1527% | 3,621 |
| Net operating income to assets | 2.6150% | 150 |
| Return on assets (ROA) | 2.6150% | 161 |
| Pretax return on assets | 2.6150% | 253 |
| Return on Equity (ROE) | 30.1242% | 74 |
| Retained earnings to average equity (ytd only) | 6.8976% | 2,182 |
| Net charge-offs to loans | 0.1493% | 3,914 |
| Credit loss provision to net charge-offs | 131.5789% | 2,187 |
| Earnings coverage of net charge-offs (x) | 23.8414% | 1,301 |
| Efficiency ratio | 52.8616% | 6,368 |
| Assets per employee ($millions) | 3.0295% | 6,009 |
| Cash dividends to net income (ytd only)* | 77.1029% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 5,829 |
| Loan loss allowance to noncurrent loans | 191.6376% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 4,825 |
| Noncurrent loans to loans | 0.5577% | 5,327 |
| Net loans and leases to total assets | 76.3852% | 911 |
| Net loans and leases to deposits | 86.6376% | 1,526 |
| Net loans and leases to core deposits | 91.4874% | 1,825 |
| Total domestic deposits to total assets | 88.1664% | 1,946 |
| Equity capital to assets | 8.7683% | 6,046 |
| Core capital (leverage) ratio | 8.7313% | 5,428 |
| Tier 1 risk-based capital ratio | 13.0143% | 5,237 |
| Total risk-based capital ratio | 14.2598% | 5,201 |
| Memoranda: | ||
| Average total assets | $65,467,750 | 5,831 |
| Average earning assets | $61,015,250 | 5,767 |
| Average equity | $5,683,000 | 6,176 |
| Average total loans | $50,915,750 | 5,130 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9199% | 335 |
| Cost of funding earning assets | 0.6651% | 4,323 |
| Net interest margin | 5.2548% | 262 |
| Noninterest income to average assets | 1.0142% | 1,426 |
| Noninterest expense to average assets | 3.1103% | 2,895 |
| Loan and lease loss provision to assets | 0.1567% | 3,556 |
| Net operating income to assets | 2.6524% | 141 |
| Return on assets (ROA) | 2.6524% | 151 |
| Pretax return on assets | 2.6524% | 237 |
| Return on Equity (ROE) | 30.6608% | 73 |
| Retained earnings to average equity (ytd only) | 7.9228% | 1,670 |
| Net charge-offs to loans | 0.0710% | 4,438 |
| Credit loss provision to net charge-offs | 283.3333% | 1,034 |
| Earnings coverage of net charge-offs (x) | 50.7778% | 723 |
| Efficiency ratio | 52.5441% | 6,457 |
| Assets per employee ($millions) | 3.0380% | 5,985 |
| Cash dividends to net income (ytd only)* | 74.1599% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,789 |
| Loan loss allowance to noncurrent loans | 111.1765% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 4,721 |
| Noncurrent loans to loans | 0.9861% | 4,532 |
| Net loans and leases to total assets | 76.5318% | 904 |
| Net loans and leases to deposits | 85.8928% | 1,613 |
| Net loans and leases to core deposits | 85.8928% | 2,442 |
| Total domestic deposits to total assets | 89.1015% | 1,451 |
| Equity capital to assets | 8.5763% | 6,141 |
| Core capital (leverage) ratio | 8.6445% | 5,456 |
| Tier 1 risk-based capital ratio | 12.6969% | 5,416 |
| Total risk-based capital ratio | 13.9476% | 5,390 |
| Memoranda: | ||
| Average total assets | $65,074,000 | 5,881 |
| Average earning assets | $60,744,330 | 5,811 |
| Average equity | $5,629,330 | 6,207 |
| Average total loans | $50,734,330 | 5,166 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9930% | 307 |
| Cost of funding earning assets | 0.6941% | 4,333 |
| Net interest margin | 5.2989% | 246 |
| Noninterest income to average assets | 1.0468% | 1,319 |
| Noninterest expense to average assets | 3.1654% | 2,715 |
| Loan and lease loss provision to assets | 0.1869% | 3,089 |
| Net operating income to assets | 2.6420% | 149 |
| Return on assets (ROA) | 2.6420% | 178 |
| Pretax return on assets | 2.6420% | 276 |
| Return on Equity (ROE) | 30.4052% | 97 |
| Retained earnings to average equity (ytd only) | 8.8921% | 1,625 |
| Net charge-offs to loans | 0.0318% | 4,239 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 113.5000% | 311 |
| Efficiency ratio | 52.8067% | 6,464 |
| Assets per employee ($millions) | 2.9779% | 6,192 |
| Cash dividends to net income (ytd only)* | 70.7547% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 5,849 |
| Loan loss allowance to noncurrent loans | 104.6729% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8960% | 4,734 |
| Noncurrent loans to loans | 1.0646% | 4,576 |
| Net loans and leases to total assets | 75.8506% | 818 |
| Net loans and leases to deposits | 83.0942% | 1,781 |
| Net loans and leases to core deposits | 83.0942% | 2,669 |
| Total domestic deposits to total assets | 91.2826% | 442 |
| Equity capital to assets | 8.6365% | 5,947 |
| Core capital (leverage) ratio | 8.7667% | 5,173 |
| Tier 1 risk-based capital ratio | 12.5566% | 5,562 |
| Total risk-based capital ratio | 13.8061% | 5,528 |
| Memoranda: | ||
| Average total assets | $64,193,500 | 5,954 |
| Average earning assets | $59,936,500 | 5,875 |
| Average equity | $5,578,000 | 6,252 |
| Average total loans | $50,243,000 | 5,218 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0017% | 430 |
| Cost of funding earning assets | 0.8571% | 4,418 |
| Net interest margin | 5.1446% | 316 |
| Noninterest income to average assets | 0.8954% | 1,682 |
| Noninterest expense to average assets | 3.0513% | 3,386 |
| Loan and lease loss provision to assets | 0.1999% | 4,189 |
| Net operating income to assets | 2.4329% | 149 |
| Return on assets (ROA) | 2.4329% | 155 |
| Pretax return on assets | 2.4329% | 234 |
| Return on Equity (ROE) | 27.2856% | 70 |
| Retained earnings to average equity (ytd only) | -0.9531% | 5,999 |
| Net charge-offs to loans | 0.2364% | 4,299 |
| Credit loss provision to net charge-offs | 109.4828% | 3,066 |
| Earnings coverage of net charge-offs (x) | 14.4224% | 1,460 |
| Efficiency ratio | 53.6822% | 6,546 |
| Assets per employee ($millions) | 2.8579% | 6,364 |
| Cash dividends to net income (ytd only)* | 103.4929% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 5,953 |
| Loan loss allowance to noncurrent loans | 82.3802% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.1197% | 4,367 |
| Noncurrent loans to loans | 1.2880% | 4,220 |
| Net loans and leases to total assets | 79.0486% | 604 |
| Net loans and leases to deposits | 87.4941% | 1,453 |
| Net loans and leases to core deposits | 87.4941% | 2,433 |
| Total domestic deposits to total assets | 90.3474% | 792 |
| Equity capital to assets | 8.7445% | 5,854 |
| Core capital (leverage) ratio | 8.5717% | 5,439 |
| Tier 1 risk-based capital ratio | 12.7062% | 5,302 |
| Total risk-based capital ratio | 13.9482% | 5,286 |
| Memoranda: | ||
| Average total assets | $63,546,600 | 5,938 |
| Average earning assets | $59,149,600 | 5,895 |
| Average equity | $5,666,000 | 6,243 |
| Average total loans | $49,076,400 | 5,299 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9797% | 481 |
| Cost of funding earning assets | 0.9018% | 4,381 |
| Net interest margin | 5.0779% | 356 |
| Noninterest income to average assets | 0.9207% | 1,576 |
| Noninterest expense to average assets | 3.0175% | 3,495 |
| Loan and lease loss provision to assets | 0.1548% | 4,530 |
| Net operating income to assets | 2.4735% | 161 |
| Return on assets (ROA) | 2.4735% | 168 |
| Pretax return on assets | 2.4735% | 261 |
| Return on Equity (ROE) | 27.6097% | 86 |
| Retained earnings to average equity (ytd only) | 4.2512% | 3,702 |
| Net charge-offs to loans | 0.1039% | 4,962 |
| Credit loss provision to net charge-offs | 194.7368% | 1,501 |
| Earnings coverage of net charge-offs (x) | 33.0495% | 874 |
| Efficiency ratio | 53.4470% | 6,546 |
| Assets per employee ($millions) | 2.9286% | 6,260 |
| Cash dividends to net income (ytd only)* | 84.6024% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 5,852 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.1346% | 4,515 |
| Noncurrent loans to loans | 1.2942% | 4,373 |
| Net loans and leases to total assets | 77.2063% | 813 |
| Net loans and leases to deposits | 84.8685% | 1,864 |
| Net loans and leases to core deposits | 84.8685% | 2,929 |
| Total domestic deposits to total assets | 90.9716% | 441 |
| Equity capital to assets | 8.9492% | 5,808 |
| Core capital (leverage) ratio | 8.8775% | 5,144 |
| Tier 1 risk-based capital ratio | 12.6448% | 5,373 |
| Total risk-based capital ratio | 13.8850% | 5,368 |
| Memoranda: | ||
| Average total assets | $63,714,750 | 5,972 |
| Average earning assets | $59,288,250 | 5,930 |
| Average equity | $5,708,000 | 6,276 |
| Average total loans | $48,787,000 | 5,356 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9345% | 538 |
| Cost of funding earning assets | 0.9456% | 4,354 |
| Net interest margin | 4.9889% | 404 |
| Noninterest income to average assets | 0.8980% | 1,655 |
| Noninterest expense to average assets | 3.0405% | 3,478 |
| Loan and lease loss provision to assets | 0.1418% | 4,533 |
| Net operating income to assets | 2.3536% | 204 |
| Return on assets (ROA) | 2.3536% | 217 |
| Pretax return on assets | 2.3536% | 314 |
| Return on Equity (ROE) | 26.2627% | 111 |
| Retained earnings to average equity (ytd only) | 1.6524% | 5,168 |
| Net charge-offs to loans | 0.0746% | 4,901 |
| Credit loss provision to net charge-offs | 250.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 691 |
| Efficiency ratio | 54.9232% | 6,517 |
| Assets per employee ($millions) | 2.8872% | 6,329 |
| Cash dividends to net income (ytd only)* | 93.7082% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 5,791 |
| Loan loss allowance to noncurrent loans | 110.9312% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 4,862 |
| Noncurrent loans to loans | 1.0284% | 4,940 |
| Net loans and leases to total assets | 74.7631% | 1,270 |
| Net loans and leases to deposits | 82.0442% | 2,451 |
| Net loans and leases to core deposits | 82.0442% | 3,495 |
| Total domestic deposits to total assets | 91.1254% | 455 |
| Equity capital to assets | 8.8132% | 5,803 |
| Core capital (leverage) ratio | 8.5856% | 5,422 |
| Tier 1 risk-based capital ratio | 12.6434% | 5,225 |
| Total risk-based capital ratio | 13.8909% | 5,193 |
| Memoranda: | ||
| Average total assets | $63,476,330 | 6,030 |
| Average earning assets | $59,011,000 | 5,985 |
| Average equity | $5,688,670 | 6,319 |
| Average total loans | $48,282,000 | 5,426 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9390% | 545 |
| Cost of funding earning assets | 0.9864% | 4,295 |
| Net interest margin | 4.9525% | 414 |
| Noninterest income to average assets | 0.9455% | 1,488 |
| Noninterest expense to average assets | 2.9942% | 3,668 |
| Loan and lease loss provision to assets | 0.1576% | 4,052 |
| Net operating income to assets | 2.3828% | 202 |
| Return on assets (ROA) | 2.3828% | 210 |
| Pretax return on assets | 2.3828% | 296 |
| Return on Equity (ROE) | 26.3690% | 131 |
| Retained earnings to average equity (ytd only) | 26.3690% | 84 |
| Net charge-offs to loans | 0.0661% | 4,259 |
| Credit loss provision to net charge-offs | 312.5000% | 1,030 |
| Earnings coverage of net charge-offs (x) | 50.3750% | 572 |
| Efficiency ratio | 54.1002% | 6,691 |
| Assets per employee ($millions) | 2.9541% | 6,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 5,972 |
| Loan loss allowance to noncurrent loans | 105.6863% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 1.1894% | 4,571 |
| Noncurrent loans to loans | 1.0588% | 4,936 |
| Net loans and leases to total assets | 73.2855% | 1,461 |
| Net loans and leases to deposits | 80.6902% | 2,572 |
| Net loans and leases to core deposits | 80.6902% | 3,644 |
| Total domestic deposits to total assets | 90.8233% | 709 |
| Equity capital to assets | 9.1151% | 5,019 |
| Core capital (leverage) ratio | 9.1894% | 4,309 |
| Tier 1 risk-based capital ratio | 13.4200% | 4,486 |
| Total risk-based capital ratio | 14.6489% | 4,486 |
| Memoranda: | ||
| Average total assets | $63,455,500 | 6,081 |
| Average earning assets | $58,798,000 | 6,037 |
| Average equity | $5,734,000 | 6,330 |
| Average total loans | $48,405,000 | 5,464 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3912% | 387 |
| Cost of funding earning assets | 1.3569% | 3,526 |
| Net interest margin | 5.0342% | 398 |
| Noninterest income to average assets | 0.7959% | 2,310 |
| Noninterest expense to average assets | 2.9885% | 3,893 |
| Loan and lease loss provision to assets | 0.2139% | 5,114 |
| Net operating income to assets | 2.2618% | 165 |
| Return on assets (ROA) | 2.2618% | 172 |
| Pretax return on assets | 2.2618% | 274 |
| Return on Equity (ROE) | 25.7494% | 92 |
| Retained earnings to average equity (ytd only) | 5.1570% | 2,335 |
| Net charge-offs to loans | 0.2672% | 4,695 |
| Credit loss provision to net charge-offs | 101.4925% | 4,469 |
| Earnings coverage of net charge-offs (x) | 11.7463% | 1,579 |
| Efficiency ratio | 54.6920% | 6,744 |
| Assets per employee ($millions) | 2.8145% | 6,502 |
| Cash dividends to net income (ytd only)* | 79.9722% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 6,058 |
| Loan loss allowance to noncurrent loans | 156.2874% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.9367% | 5,135 |
| Noncurrent loans to loans | 0.6866% | 5,671 |
| Net loans and leases to total assets | 77.7132% | 987 |
| Net loans and leases to deposits | 85.4328% | 2,200 |
| Net loans and leases to core deposits | 85.4328% | 3,406 |
| Total domestic deposits to total assets | 90.9641% | 610 |
| Equity capital to assets | 8.9535% | 5,210 |
| Core capital (leverage) ratio | 8.7076% | 5,007 |
| Tier 1 risk-based capital ratio | 12.6446% | 4,901 |
| Total risk-based capital ratio | 13.8430% | 4,931 |
| Memoranda: | ||
| Average total assets | $63,576,400 | 6,074 |
| Average earning assets | $58,956,200 | 6,028 |
| Average equity | $5,584,600 | 6,488 |
| Average total loans | $50,146,400 | 5,477 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4103% | 402 |
| Cost of funding earning assets | 1.4430% | 3,310 |
| Net interest margin | 4.9673% | 473 |
| Noninterest income to average assets | 0.7688% | 2,391 |
| Noninterest expense to average assets | 2.8608% | 4,241 |
| Loan and lease loss provision to assets | 0.2167% | 4,900 |
| Net operating income to assets | 2.2961% | 192 |
| Return on assets (ROA) | 2.2961% | 207 |
| Pretax return on assets | 2.2961% | 344 |
| Return on Equity (ROE) | 26.2621% | 92 |
| Retained earnings to average equity (ytd only) | 11.9634% | 465 |
| Net charge-offs to loans | 0.2164% | 4,642 |
| Credit loss provision to net charge-offs | 126.8293% | 3,216 |
| Earnings coverage of net charge-offs (x) | 14.7074% | 1,488 |
| Efficiency ratio | 53.2377% | 6,863 |
| Assets per employee ($millions) | 2.9078% | 6,355 |
| Cash dividends to net income (ytd only)* | 54.4463% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 6,020 |
| Loan loss allowance to noncurrent loans | 117.6087% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.9739% | 5,139 |
| Noncurrent loans to loans | 0.9185% | 5,407 |
| Net loans and leases to total assets | 77.4413% | 1,139 |
| Net loans and leases to deposits | 86.6978% | 2,203 |
| Net loans and leases to core deposits | 86.6978% | 3,557 |
| Total domestic deposits to total assets | 89.3233% | 1,216 |
| Equity capital to assets | 9.0213% | 5,550 |
| Core capital (leverage) ratio | 8.8920% | 4,860 |
| Tier 1 risk-based capital ratio | 13.1673% | 4,443 |
| Total risk-based capital ratio | 14.4123% | 4,430 |
| Memoranda: | ||
| Average total assets | $63,990,500 | 6,134 |
| Average earning assets | $59,320,000 | 6,085 |
| Average equity | $5,594,750 | 6,569 |
| Average total loans | $50,522,500 | 5,549 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4509% | 374 |
| Cost of funding earning assets | 1.5377% | 3,023 |
| Net interest margin | 4.9132% | 520 |
| Noninterest income to average assets | 0.7657% | 2,298 |
| Noninterest expense to average assets | 2.7970% | 4,494 |
| Loan and lease loss provision to assets | 0.1938% | 4,941 |
| Net operating income to assets | 2.3282% | 188 |
| Return on assets (ROA) | 2.3282% | 200 |
| Pretax return on assets | 2.3282% | 314 |
| Return on Equity (ROE) | 26.9147% | 89 |
| Retained earnings to average equity (ytd only) | 16.0766% | 191 |
| Net charge-offs to loans | 0.1460% | 4,773 |
| Credit loss provision to net charge-offs | 167.5676% | 2,345 |
| Earnings coverage of net charge-offs (x) | 21.8108% | 1,160 |
| Efficiency ratio | 52.5852% | 7,020 |
| Assets per employee ($millions) | 2.9521% | 6,241 |
| Cash dividends to net income (ytd only)* | 40.2685% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 6,011 |
| Loan loss allowance to noncurrent loans | 104.3977% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 1.0870% | 4,960 |
| Noncurrent loans to loans | 1.0400% | 5,227 |
| Net loans and leases to total assets | 76.5871% | 1,374 |
| Net loans and leases to deposits | 86.9902% | 2,337 |
| Net loans and leases to core deposits | 86.9902% | 3,699 |
| Total domestic deposits to total assets | 88.0410% | 1,978 |
| Equity capital to assets | 8.7887% | 5,769 |
| Core capital (leverage) ratio | 8.6229% | 5,202 |
| Tier 1 risk-based capital ratio | 12.5621% | 4,803 |
| Total risk-based capital ratio | 13.7728% | 4,811 |
| Memoranda: | ||
| Average total assets | $63,997,000 | 6,180 |
| Average earning assets | $59,310,000 | 6,125 |
| Average equity | $5,536,000 | 6,607 |
| Average total loans | $50,669,670 | 5,579 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4311% | 407 |
| Cost of funding earning assets | 1.5857% | 3,042 |
| Net interest margin | 4.8454% | 580 |
| Noninterest income to average assets | 0.7493% | 2,307 |
| Noninterest expense to average assets | 2.7581% | 4,659 |
| Loan and lease loss provision to assets | 0.1889% | 4,608 |
| Net operating income to assets | 2.2858% | 216 |
| Return on assets (ROA) | 2.2858% | 241 |
| Pretax return on assets | 2.2858% | 355 |
| Return on Equity (ROE) | 26.6422% | 126 |
| Retained earnings to average equity (ytd only) | 26.6422% | 89 |
| Net charge-offs to loans | -0.0079% | 6,857 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7076% | 7,082 |
| Assets per employee ($millions) | 2.9129% | 6,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 6,026 |
| Loan loss allowance to noncurrent loans | 96.8421% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.1672% | 4,841 |
| Noncurrent loans to loans | 1.1309% | 5,101 |
| Net loans and leases to total assets | 77.7913% | 1,187 |
| Net loans and leases to deposits | 88.3993% | 2,159 |
| Net loans and leases to core deposits | 94.2416% | 2,814 |
| Total domestic deposits to total assets | 87.9999% | 2,060 |
| Equity capital to assets | 8.7855% | 5,576 |
| Core capital (leverage) ratio | 8.7329% | 4,971 |
| Tier 1 risk-based capital ratio | 12.3458% | 4,868 |
| Total risk-based capital ratio | 13.5664% | 4,848 |
| Memoranda: | ||
| Average total assets | $63,522,000 | 6,260 |
| Average earning assets | $58,777,000 | 6,214 |
| Average equity | $5,450,000 | 6,689 |
| Average total loans | $50,861,000 | 5,633 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8136% | 372 |
| Cost of funding earning assets | 2.0412% | 2,768 |
| Net interest margin | 4.7724% | 733 |
| Noninterest income to average assets | 0.7595% | 2,623 |
| Noninterest expense to average assets | 3.1553% | 3,524 |
| Loan and lease loss provision to assets | 0.2579% | 5,334 |
| Net operating income to assets | 1.7456% | 402 |
| Return on assets (ROA) | 1.7456% | 427 |
| Pretax return on assets | 1.7456% | 704 |
| Return on Equity (ROE) | 20.7806% | 207 |
| Retained earnings to average equity (ytd only) | 3.1069% | 2,988 |
| Net charge-offs to loans | 0.3446% | 4,508 |
| Credit loss provision to net charge-offs | 92.6966% | 5,904 |
| Earnings coverage of net charge-offs (x) | 7.2022% | 2,200 |
| Efficiency ratio | 61.1633% | 6,301 |
| Assets per employee ($millions) | 2.6234% | 6,994 |
| Cash dividends to net income (ytd only)* | 85.0492% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 6,299 |
| Loan loss allowance to noncurrent loans | 92.3623% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.1769% | 4,745 |
| Noncurrent loans to loans | 1.0971% | 5,129 |
| Net loans and leases to total assets | 80.6833% | 880 |
| Net loans and leases to deposits | 92.1524% | 1,871 |
| Net loans and leases to core deposits | 135.3305% | 985 |
| Total domestic deposits to total assets | 87.5542% | 2,196 |
| Equity capital to assets | 8.3703% | 6,102 |
| Core capital (leverage) ratio | 8.2077% | 5,799 |
| Tier 1 risk-based capital ratio | 11.6101% | 5,285 |
| Total risk-based capital ratio | 12.7666% | 5,340 |
| Memoranda: | ||
| Average total assets | $63,988,200 | 6,197 |
| Average earning assets | $58,985,200 | 6,162 |
| Average equity | $5,375,200 | 6,815 |
| Average total loans | $51,656,000 | 5,598 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8143% | 407 |
| Cost of funding earning assets | 2.1214% | 2,794 |
| Net interest margin | 4.6928% | 837 |
| Noninterest income to average assets | 0.7741% | 2,578 |
| Noninterest expense to average assets | 3.0611% | 3,801 |
| Loan and lease loss provision to assets | 0.1141% | 6,226 |
| Net operating income to assets | 1.9280% | 338 |
| Return on assets (ROA) | 1.9280% | 367 |
| Pretax return on assets | 1.9280% | 624 |
| Return on Equity (ROE) | 22.9314% | 177 |
| Retained earnings to average equity (ytd only) | 11.8236% | 365 |
| Net charge-offs to loans | 0.3968% | 3,677 |
| Credit loss provision to net charge-offs | 35.7143% | 6,464 |
| Earnings coverage of net charge-offs (x) | 6.3896% | 2,616 |
| Efficiency ratio | 59.9837% | 6,419 |
| Assets per employee ($millions) | 2.6564% | 6,934 |
| Cash dividends to net income (ytd only)* | 48.4394% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 7,036 |
| Loan loss allowance to noncurrent loans | 92.5214% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9584% | 5,143 |
| Noncurrent loans to loans | 0.8948% | 5,493 |
| Net loans and leases to total assets | 81.3562% | 924 |
| Net loans and leases to deposits | 95.0189% | 1,712 |
| Net loans and leases to core deposits | 135.4902% | 1,126 |
| Total domestic deposits to total assets | 85.6211% | 2,903 |
| Equity capital to assets | 8.7541% | 5,875 |
| Core capital (leverage) ratio | 8.5632% | 5,368 |
| Tier 1 risk-based capital ratio | 12.0343% | 4,942 |
| Total risk-based capital ratio | 12.9766% | 5,165 |
| Memoranda: | ||
| Average total assets | $64,245,000 | 6,242 |
| Average earning assets | $59,266,250 | 6,199 |
| Average equity | $5,401,500 | 6,873 |
| Average total loans | $51,740,250 | 5,640 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8146% | 441 |
| Cost of funding earning assets | 2.1821% | 2,871 |
| Net interest margin | 4.6324% | 904 |
| Noninterest income to average assets | 0.8104% | 2,365 |
| Noninterest expense to average assets | 2.9654% | 4,228 |
| Loan and lease loss provision to assets | 0.0932% | 6,237 |
| Net operating income to assets | 2.0432% | 268 |
| Return on assets (ROA) | 2.0432% | 290 |
| Pretax return on assets | 2.0432% | 506 |
| Return on Equity (ROE) | 24.6365% | 144 |
| Retained earnings to average equity (ytd only) | 15.2761% | 193 |
| Net charge-offs to loans | 0.1086% | 5,071 |
| Credit loss provision to net charge-offs | 107.1429% | 4,303 |
| Earnings coverage of net charge-offs (x) | 24.5714% | 1,152 |
| Efficiency ratio | 58.1254% | 6,848 |
| Assets per employee ($millions) | 2.7225% | 6,790 |
| Cash dividends to net income (ytd only)* | 37.9939% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 6,022 |
| Loan loss allowance to noncurrent loans | 165.3251% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 5,393 |
| Noncurrent loans to loans | 0.6231% | 6,006 |
| Net loans and leases to total assets | 78.5124% | 1,635 |
| Net loans and leases to deposits | 92.8641% | 2,303 |
| Net loans and leases to core deposits | 132.7090% | 1,386 |
| Total domestic deposits to total assets | 84.5455% | 3,476 |
| Equity capital to assets | 8.4190% | 6,168 |
| Core capital (leverage) ratio | 8.2791% | 5,842 |
| Tier 1 risk-based capital ratio | 11.8163% | 5,089 |
| Total risk-based capital ratio | 12.9717% | 5,103 |
| Memoranda: | ||
| Average total assets | $64,409,000 | 6,286 |
| Average earning assets | $59,666,330 | 6,243 |
| Average equity | $5,341,670 | 6,952 |
| Average total loans | $51,553,670 | 5,692 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8926% | 412 |
| Cost of funding earning assets | 2.2258% | 3,033 |
| Net interest margin | 4.6668% | 832 |
| Noninterest income to average assets | 0.6693% | 3,078 |
| Noninterest expense to average assets | 2.8901% | 4,189 |
| Loan and lease loss provision to assets | 0.0626% | 6,171 |
| Net operating income to assets | 2.0581% | 317 |
| Return on assets (ROA) | 2.0581% | 359 |
| Pretax return on assets | 2.0581% | 593 |
| Return on Equity (ROE) | 25.0095% | 188 |
| Retained earnings to average equity (ytd only) | 25.0095% | 82 |
| Net charge-offs to loans | 0.0078% | 5,558 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 339.0000% | 115 |
| Efficiency ratio | 57.6779% | 6,747 |
| Assets per employee ($millions) | 2.7224% | 6,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 5,821 |
| Loan loss allowance to noncurrent loans | 183.1081% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 5,244 |
| Noncurrent loans to loans | 0.5724% | 5,976 |
| Net loans and leases to total assets | 78.3220% | 1,741 |
| Net loans and leases to deposits | 92.4803% | 2,515 |
| Net loans and leases to core deposits | 126.7154% | 1,870 |
| Total domestic deposits to total assets | 84.6904% | 3,369 |
| Equity capital to assets | 8.3076% | 6,380 |
| Core capital (leverage) ratio | 8.3651% | 5,782 |
| Tier 1 risk-based capital ratio | 11.5855% | 5,327 |
| Total risk-based capital ratio | 12.7524% | 5,305 |
| Memoranda: | ||
| Average total assets | $63,943,500 | 6,328 |
| Average earning assets | $59,484,500 | 6,282 |
| Average equity | $5,262,000 | 7,031 |
| Average total loans | $51,413,500 | 5,739 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7573% | 259 |
| Cost of funding earning assets | 2.7934% | 2,735 |
| Net interest margin | 4.9639% | 553 |
| Noninterest income to average assets | 0.7084% | 3,068 |
| Noninterest expense to average assets | 2.9360% | 4,317 |
| Loan and lease loss provision to assets | 0.2036% | 4,854 |
| Net operating income to assets | 2.1756% | 253 |
| Return on assets (ROA) | 2.1756% | 247 |
| Pretax return on assets | 2.1756% | 421 |
| Return on Equity (ROE) | 24.5327% | 154 |
| Retained earnings to average equity (ytd only) | -1.1752% | 5,648 |
| Net charge-offs to loans | 0.3185% | 3,266 |
| Credit loss provision to net charge-offs | 75.7576% | 5,979 |
| Earnings coverage of net charge-offs (x) | 8.8545% | 2,807 |
| Efficiency ratio | 55.2390% | 7,118 |
| Assets per employee ($millions) | 2.6062% | 6,991 |
| Cash dividends to net income (ytd only)* | 104.7904% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 5,711 |
| Loan loss allowance to noncurrent loans | 171.6129% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 5,068 |
| Noncurrent loans to loans | 0.6065% | 5,553 |
| Net loans and leases to total assets | 80.8630% | 1,474 |
| Net loans and leases to deposits | 95.6758% | 2,493 |
| Net loans and leases to core deposits | 134.3186% | 1,583 |
| Total domestic deposits to total assets | 84.5177% | 3,067 |
| Equity capital to assets | 8.1472% | 6,635 |
| Core capital (leverage) ratio | 8.0906% | 6,337 |
| Tier 1 risk-based capital ratio | 11.0770% | 5,662 |
| Total risk-based capital ratio | 12.2432% | 5,629 |
| Memoranda: | ||
| Average total assets | $61,409,200 | 6,343 |
| Average earning assets | $56,991,800 | 6,300 |
| Average equity | $5,445,800 | 6,998 |
| Average total loans | $51,813,000 | 5,628 |