Home > The St. Marys State Bank > Performance and Condition Ratios
The St. Marys 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 | 4.4183% | 2,353 |
| Cost of funding earning assets | 0.6132% | 2,146 |
| Net interest margin | 3.8051% | 2,550 |
| Noninterest income to average assets | 0.6878% | 1,917 |
| Noninterest expense to average assets | 4.3120% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0505% | 5,317 |
| Return on assets (ROA) | 0.0505% | 5,310 |
| Pretax return on assets | -0.0084% | 5,340 |
| Return on Equity (ROE) | 0.4262% | 5,311 |
| Retained earnings to average equity (ytd only) | -1.3673% | 5,105 |
| Net charge-offs to loans | -0.0032% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1955% | 169 |
| Assets per employee ($millions) | 3.9604% | 3,971 |
| Cash dividends to net income (ytd only)* | 420.8333% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 808 |
| Loan loss allowance to noncurrent loans | 1,969.0909% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 4,735 |
| Noncurrent loans to loans | 0.0895% | 4,514 |
| Net loans and leases to total assets | 63.5224% | 3,451 |
| Net loans and leases to deposits | 74.1881% | 3,513 |
| Net loans and leases to core deposits | 76.4579% | 3,711 |
| Total domestic deposits to total assets | 85.6234% | 2,441 |
| Equity capital to assets | 11.6602% | 2,085 |
| Core capital (leverage) ratio | 11.9238% | 1,764 |
| Tier 1 risk-based capital ratio | 14.2724% | 3,222 |
| Total risk-based capital ratio | 15.5227% | 3,142 |
| Memoranda: | ||
| Average total assets | $95,084,000 | 4,264 |
| Average earning assets | $90,351,330 | 4,218 |
| Average equity | $11,262,670 | 4,190 |
| Average total loans | $63,064,000 | 4,099 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 2,295 |
| Cost of funding earning assets | 0.6281% | 1,859 |
| Net interest margin | 3.7418% | 2,644 |
| Noninterest income to average assets | 0.6183% | 2,177 |
| Noninterest expense to average assets | 2.9989% | 2,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2955% | 1,656 |
| Return on assets (ROA) | 1.2955% | 1,659 |
| Pretax return on assets | 1.1777% | 2,851 |
| Return on Equity (ROE) | 10.8522% | 2,029 |
| Retained earnings to average equity (ytd only) | 7.2935% | 2,151 |
| Net charge-offs to loans | 0.0063% | 2,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 241 |
| Efficiency ratio | 71.8026% | 2,220 |
| Assets per employee ($millions) | 3.9325% | 4,096 |
| Cash dividends to net income (ytd only)* | 32.7922% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 980 |
| Loan loss allowance to noncurrent loans | 4,324.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 4,984 |
| Noncurrent loans to loans | 0.0390% | 4,798 |
| Net loans and leases to total assets | 66.7924% | 2,925 |
| Net loans and leases to deposits | 78.3363% | 2,983 |
| Net loans and leases to core deposits | 80.3196% | 3,300 |
| Total domestic deposits to total assets | 85.2637% | 2,831 |
| Equity capital to assets | 12.0419% | 1,757 |
| Core capital (leverage) ratio | 12.1307% | 1,571 |
| Tier 1 risk-based capital ratio | 14.4848% | 3,131 |
| Total risk-based capital ratio | 15.7352% | 3,039 |
| Memoranda: | ||
| Average total assets | $95,101,000 | 4,304 |
| Average earning assets | $90,438,500 | 4,261 |
| Average equity | $11,352,500 | 4,218 |
| Average total loans | $63,865,500 | 4,107 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 2,839 |
| Cost of funding earning assets | 0.6625% | 1,237 |
| Net interest margin | 3.4979% | 3,540 |
| Noninterest income to average assets | 0.7639% | 1,716 |
| Noninterest expense to average assets | 2.8045% | 2,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2134% | 1,479 |
| Return on assets (ROA) | 1.2154% | 1,493 |
| Pretax return on assets | 1.2549% | 2,532 |
| Return on Equity (ROE) | 10.5797% | 1,645 |
| Retained earnings to average equity (ytd only) | 7.0200% | 1,067 |
| Net charge-offs to loans | -0.0100% | 4,790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1225% | 2,674 |
| Assets per employee ($millions) | 3.9926% | 3,973 |
| Cash dividends to net income (ytd only)* | 33.6465% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 947 |
| Loan loss allowance to noncurrent loans | 4,328.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 5,024 |
| Noncurrent loans to loans | 0.0393% | 4,831 |
| Net loans and leases to total assets | 65.2557% | 3,193 |
| Net loans and leases to deposits | 79.5041% | 2,966 |
| Net loans and leases to core deposits | 80.7714% | 3,359 |
| Total domestic deposits to total assets | 82.0784% | 3,854 |
| Equity capital to assets | 11.8343% | 1,957 |
| Core capital (leverage) ratio | 11.6520% | 1,827 |
| Tier 1 risk-based capital ratio | 13.9657% | 3,383 |
| Total risk-based capital ratio | 15.2164% | 3,287 |
| Memoranda: | ||
| Average total assets | $96,346,000 | 4,307 |
| Average earning assets | $90,711,400 | 4,273 |
| Average equity | $11,068,400 | 4,287 |
| Average total loans | $59,979,000 | 4,205 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 2,873 |
| Cost of funding earning assets | 0.6642% | 1,152 |
| Net interest margin | 3.4665% | 3,620 |
| Noninterest income to average assets | 0.7186% | 1,915 |
| Noninterest expense to average assets | 2.7156% | 3,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2273% | 1,587 |
| Return on assets (ROA) | 1.2300% | 1,604 |
| Pretax return on assets | 1.2659% | 2,643 |
| Return on Equity (ROE) | 10.7871% | 1,782 |
| Retained earnings to average equity (ytd only) | 7.3570% | 1,514 |
| Net charge-offs to loans | -0.0090% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2529% | 2,832 |
| Assets per employee ($millions) | 3.9233% | 4,114 |
| Cash dividends to net income (ytd only)* | 31.7973% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9022% | 701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 56.7862% | 4,172 |
| Net loans and leases to deposits | 68.7677% | 4,056 |
| Net loans and leases to core deposits | 70.2721% | 4,227 |
| Total domestic deposits to total assets | 82.5768% | 3,590 |
| Equity capital to assets | 11.6535% | 2,229 |
| Core capital (leverage) ratio | 11.7075% | 1,874 |
| Tier 1 risk-based capital ratio | 14.7936% | 3,016 |
| Total risk-based capital ratio | 16.0452% | 2,948 |
| Memoranda: | ||
| Average total assets | $96,476,750 | 4,340 |
| Average earning assets | $90,732,000 | 4,314 |
| Average equity | $11,000,500 | 4,339 |
| Average total loans | $59,070,750 | 4,268 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 2,719 |
| Cost of funding earning assets | 0.6668% | 1,058 |
| Net interest margin | 3.4686% | 3,513 |
| Noninterest income to average assets | 0.7296% | 1,862 |
| Noninterest expense to average assets | 2.7308% | 2,978 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2467% | 1,451 |
| Return on assets (ROA) | 1.2508% | 1,461 |
| Pretax return on assets | 1.2779% | 2,468 |
| Return on Equity (ROE) | 11.0524% | 1,625 |
| Retained earnings to average equity (ytd only) | 7.5341% | 1,336 |
| Net charge-offs to loans | -0.0334% | 5,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1936% | 2,974 |
| Assets per employee ($millions) | 3.9392% | 4,066 |
| Cash dividends to net income (ytd only)* | 31.8333% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8550% | 787 |
| Loan loss allowance to noncurrent loans | 4,721.7391% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 5,173 |
| Noncurrent loans to loans | 0.0393% | 4,998 |
| Net loans and leases to total assets | 60.7774% | 3,762 |
| Net loans and leases to deposits | 73.9698% | 3,548 |
| Net loans and leases to core deposits | 75.6079% | 3,808 |
| Total domestic deposits to total assets | 82.1652% | 3,843 |
| Equity capital to assets | 11.9082% | 1,993 |
| Core capital (leverage) ratio | 11.6283% | 1,878 |
| Tier 1 risk-based capital ratio | 14.6857% | 3,072 |
| Total risk-based capital ratio | 15.9372% | 2,993 |
| Memoranda: | ||
| Average total assets | $95,941,670 | 4,375 |
| Average earning assets | $90,583,670 | 4,343 |
| Average equity | $10,857,330 | 4,380 |
| Average total loans | $59,835,330 | 4,269 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 2,571 |
| Cost of funding earning assets | 0.6910% | 878 |
| Net interest margin | 3.4329% | 3,508 |
| Noninterest income to average assets | 0.7450% | 1,765 |
| Noninterest expense to average assets | 2.7607% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2334% | 1,420 |
| Return on assets (ROA) | 1.2334% | 1,458 |
| Pretax return on assets | 1.2334% | 2,463 |
| Return on Equity (ROE) | 11.1851% | 1,503 |
| Retained earnings to average equity (ytd only) | 5.7802% | 2,450 |
| Net charge-offs to loans | -0.1190% | 5,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1192% | 3,022 |
| Assets per employee ($millions) | 3.8431% | 4,278 |
| Cash dividends to net income (ytd only)* | 48.3221% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8316% | 907 |
| Loan loss allowance to noncurrent loans | 3,418.7500% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 5,178 |
| Noncurrent loans to loans | 0.0536% | 4,981 |
| Net loans and leases to total assets | 61.0285% | 3,657 |
| Net loans and leases to deposits | 73.5973% | 3,440 |
| Net loans and leases to core deposits | 75.1846% | 3,725 |
| Total domestic deposits to total assets | 82.9222% | 3,870 |
| Equity capital to assets | 11.2617% | 2,374 |
| Core capital (leverage) ratio | 11.1004% | 2,271 |
| Tier 1 risk-based capital ratio | 14.0699% | 3,431 |
| Total risk-based capital ratio | 15.3218% | 3,350 |
| Memoranda: | ||
| Average total assets | $96,642,500 | 4,414 |
| Average earning assets | $91,468,000 | 4,358 |
| Average equity | $10,657,000 | 4,444 |
| Average total loans | $60,480,500 | 4,288 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 2,752 |
| Cost of funding earning assets | 0.7140% | 766 |
| Net interest margin | 3.4119% | 3,780 |
| Noninterest income to average assets | 0.7659% | 1,900 |
| Noninterest expense to average assets | 3.0957% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8299% | 3,161 |
| Return on assets (ROA) | 0.8299% | 3,267 |
| Pretax return on assets | 0.8971% | 3,859 |
| Return on Equity (ROE) | 7.2518% | 3,335 |
| Retained earnings to average equity (ytd only) | 2.7031% | 3,983 |
| Net charge-offs to loans | -0.0296% | 5,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5314% | 1,767 |
| Assets per employee ($millions) | 3.8883% | 4,161 |
| Cash dividends to net income (ytd only)* | 62.7249% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 1,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 61.8844% | 3,624 |
| Net loans and leases to deposits | 79.5735% | 2,931 |
| Net loans and leases to core deposits | 81.3843% | 3,272 |
| Total domestic deposits to total assets | 77.7701% | 5,008 |
| Equity capital to assets | 10.7955% | 2,821 |
| Core capital (leverage) ratio | 10.9238% | 2,418 |
| Tier 1 risk-based capital ratio | 13.6618% | 3,668 |
| Total risk-based capital ratio | 14.9129% | 3,575 |
| Memoranda: | ||
| Average total assets | $93,743,600 | 4,476 |
| Average earning assets | $88,660,800 | 4,420 |
| Average equity | $10,728,400 | 4,459 |
| Average total loans | $57,492,600 | 4,361 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 2,691 |
| Cost of funding earning assets | 0.7153% | 753 |
| Net interest margin | 3.4322% | 3,731 |
| Noninterest income to average assets | 0.7149% | 2,106 |
| Noninterest expense to average assets | 3.1898% | 1,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6919% | 3,896 |
| Return on assets (ROA) | 0.6919% | 4,029 |
| Pretax return on assets | 0.7695% | 4,414 |
| Return on Equity (ROE) | 5.9576% | 4,088 |
| Retained earnings to average equity (ytd only) | 0.5562% | 5,218 |
| Net charge-offs to loans | 0.0236% | 3,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 53.6122% | 1,023 |
| Efficiency ratio | 80.5656% | 1,366 |
| Assets per employee ($millions) | 3.6696% | 4,536 |
| Cash dividends to net income (ytd only)* | 90.6637% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8632% | 907 |
| Loan loss allowance to noncurrent loans | 10,490.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 5,484 |
| Noncurrent loans to loans | 0.0178% | 5,324 |
| Net loans and leases to total assets | 57.9111% | 4,104 |
| Net loans and leases to deposits | 71.9309% | 3,814 |
| Net loans and leases to core deposits | 73.1508% | 4,070 |
| Total domestic deposits to total assets | 80.5094% | 4,386 |
| Equity capital to assets | 11.3950% | 2,608 |
| Core capital (leverage) ratio | 11.0844% | 2,367 |
| Tier 1 risk-based capital ratio | 14.3242% | 3,385 |
| Total risk-based capital ratio | 15.5760% | 3,315 |
| Memoranda: | ||
| Average total assets | $92,877,750 | 4,531 |
| Average earning assets | $87,794,250 | 4,472 |
| Average equity | $10,787,000 | 4,498 |
| Average total loans | $56,557,750 | 4,425 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 2,748 |
| Cost of funding earning assets | 0.7236% | 707 |
| Net interest margin | 3.4069% | 3,866 |
| Noninterest income to average assets | 0.6954% | 2,163 |
| Noninterest expense to average assets | 3.3901% | 1,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4368% | 4,917 |
| Return on assets (ROA) | 0.4368% | 5,002 |
| Pretax return on assets | 0.5281% | 5,080 |
| Return on Equity (ROE) | 3.7365% | 5,007 |
| Retained earnings to average equity (ytd only) | -4.3872% | 5,718 |
| Net charge-offs to loans | 0.0777% | 2,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.0455% | 2,287 |
| Efficiency ratio | 86.5225% | 836 |
| Assets per employee ($millions) | 3.5785% | 4,631 |
| Cash dividends to net income (ytd only)* | 217.4129% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 1,011 |
| Loan loss allowance to noncurrent loans | 1,851.7857% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 5,318 |
| Noncurrent loans to loans | 0.0992% | 5,056 |
| Net loans and leases to total assets | 59.5325% | 3,945 |
| Net loans and leases to deposits | 74.2480% | 3,563 |
| Net loans and leases to core deposits | 75.1037% | 3,900 |
| Total domestic deposits to total assets | 80.1806% | 4,500 |
| Equity capital to assets | 11.5800% | 2,463 |
| Core capital (leverage) ratio | 10.9536% | 2,479 |
| Tier 1 risk-based capital ratio | 14.0377% | 3,586 |
| Total risk-based capital ratio | 15.2888% | 3,504 |
| Memoranda: | ||
| Average total assets | $92,033,670 | 4,580 |
| Average earning assets | $87,059,670 | 4,522 |
| Average equity | $10,758,670 | 4,532 |
| Average total loans | $56,643,000 | 4,451 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 2,841 |
| Cost of funding earning assets | 0.7288% | 698 |
| Net interest margin | 3.3718% | 3,973 |
| Noninterest income to average assets | 0.6424% | 2,305 |
| Noninterest expense to average assets | 2.8974% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8085% | 3,196 |
| Return on assets (ROA) | 0.8085% | 3,319 |
| Pretax return on assets | 0.9396% | 3,694 |
| Return on Equity (ROE) | 6.8831% | 3,521 |
| Retained earnings to average equity (ytd only) | -7.6272% | 5,738 |
| Net charge-offs to loans | 0.0282% | 2,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 53.7500% | 838 |
| Efficiency ratio | 75.5125% | 2,248 |
| Assets per employee ($millions) | 3.6534% | 4,555 |
| Cash dividends to net income (ytd only)* | 210.8108% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8493% | 1,061 |
| Loan loss allowance to noncurrent loans | 8,123.0769% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 5,320 |
| Noncurrent loans to loans | 0.0228% | 5,409 |
| Net loans and leases to total assets | 61.3638% | 3,612 |
| Net loans and leases to deposits | 77.4073% | 3,065 |
| Net loans and leases to core deposits | 78.7915% | 3,423 |
| Total domestic deposits to total assets | 79.2739% | 4,906 |
| Equity capital to assets | 11.7065% | 2,238 |
| Core capital (leverage) ratio | 11.0148% | 2,397 |
| Tier 1 risk-based capital ratio | 13.9259% | 3,736 |
| Total risk-based capital ratio | 15.1783% | 3,667 |
| Memoranda: | ||
| Average total assets | $91,530,500 | 4,630 |
| Average earning assets | $86,718,500 | 4,566 |
| Average equity | $10,751,000 | 4,549 |
| Average total loans | $56,751,500 | 4,480 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 2,949 |
| Cost of funding earning assets | 0.7439% | 659 |
| Net interest margin | 3.3487% | 4,118 |
| Noninterest income to average assets | 0.7116% | 2,147 |
| Noninterest expense to average assets | 2.7097% | 3,547 |
| Loan and lease loss provision to assets | 0.0164% | 4,082 |
| Net operating income to assets | 1.0653% | 2,067 |
| Return on assets (ROA) | 1.0734% | 2,102 |
| Pretax return on assets | 1.1630% | 2,800 |
| Return on Equity (ROE) | 9.4883% | 2,226 |
| Retained earnings to average equity (ytd only) | 6.7732% | 1,391 |
| Net charge-offs to loans | -0.1512% | 5,897 |
| Credit loss provision to net charge-offs | -18.7500% | 4,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8310% | 3,247 |
| Assets per employee ($millions) | 3.6691% | 4,532 |
| Cash dividends to net income (ytd only)* | 28.6151% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 994 |
| Loan loss allowance to noncurrent loans | 3,651.7241% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 5,270 |
| Noncurrent loans to loans | 0.0514% | 5,308 |
| Net loans and leases to total assets | 60.3334% | 3,790 |
| Net loans and leases to deposits | 76.2570% | 3,220 |
| Net loans and leases to core deposits | 77.6185% | 3,592 |
| Total domestic deposits to total assets | 79.1185% | 4,953 |
| Equity capital to assets | 11.7850% | 2,123 |
| Core capital (leverage) ratio | 11.2977% | 2,123 |
| Tier 1 risk-based capital ratio | 14.2987% | 3,551 |
| Total risk-based capital ratio | 15.5510% | 3,463 |
| Memoranda: | ||
| Average total assets | $91,487,800 | 4,635 |
| Average earning assets | $86,571,200 | 4,575 |
| Average equity | $10,349,600 | 4,590 |
| Average total loans | $52,922,600 | 4,582 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 3,012 |
| Cost of funding earning assets | 0.7448% | 666 |
| Net interest margin | 3.3371% | 4,192 |
| Noninterest income to average assets | 0.6737% | 2,362 |
| Noninterest expense to average assets | 2.6833% | 3,620 |
| Loan and lease loss provision to assets | 0.0219% | 3,836 |
| Net operating income to assets | 1.0378% | 2,287 |
| Return on assets (ROA) | 1.0485% | 2,324 |
| Pretax return on assets | 1.1360% | 3,066 |
| Return on Equity (ROE) | 9.3667% | 2,374 |
| Retained earnings to average equity (ytd only) | 5.7061% | 2,437 |
| Net charge-offs to loans | -0.1101% | 5,820 |
| Credit loss provision to net charge-offs | -34.8837% | 4,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0685% | 3,202 |
| Assets per employee ($millions) | 3.9734% | 3,927 |
| Cash dividends to net income (ytd only)* | 39.0825% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 1,011 |
| Loan loss allowance to noncurrent loans | 1,675.4098% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 5,498 |
| Noncurrent loans to loans | 0.1152% | 5,169 |
| Net loans and leases to total assets | 56.8285% | 4,264 |
| Net loans and leases to deposits | 71.6305% | 3,814 |
| Net loans and leases to core deposits | 72.9117% | 4,111 |
| Total domestic deposits to total assets | 79.3356% | 4,900 |
| Equity capital to assets | 11.5659% | 2,448 |
| Core capital (leverage) ratio | 11.2034% | 2,295 |
| Tier 1 risk-based capital ratio | 14.2274% | 3,713 |
| Total risk-based capital ratio | 15.4791% | 3,649 |
| Memoranda: | ||
| Average total assets | $91,428,000 | 4,691 |
| Average earning assets | $86,461,250 | 4,627 |
| Average equity | $10,234,500 | 4,669 |
| Average total loans | $52,053,000 | 4,661 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 3,035 |
| Cost of funding earning assets | 0.7504% | 644 |
| Net interest margin | 3.3134% | 4,250 |
| Noninterest income to average assets | 0.6365% | 2,547 |
| Noninterest expense to average assets | 2.6881% | 3,634 |
| Loan and lease loss provision to assets | 0.0328% | 3,465 |
| Net operating income to assets | 0.9580% | 2,597 |
| Return on assets (ROA) | 0.9580% | 2,712 |
| Pretax return on assets | 1.0542% | 3,361 |
| Return on Equity (ROE) | 8.6538% | 2,718 |
| Retained earnings to average equity (ytd only) | 3.1019% | 4,072 |
| Net charge-offs to loans | -0.3710% | 6,159 |
| Credit loss provision to net charge-offs | -15.6250% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2051% | 3,129 |
| Assets per employee ($millions) | 3.9038% | 4,067 |
| Cash dividends to net income (ytd only)* | 64.1553% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0176% | 959 |
| Loan loss allowance to noncurrent loans | 881.1475% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 5,314 |
| Noncurrent loans to loans | 0.2290% | 4,857 |
| Net loans and leases to total assets | 58.1436% | 4,080 |
| Net loans and leases to deposits | 73.1197% | 3,605 |
| Net loans and leases to core deposits | 74.4481% | 3,913 |
| Total domestic deposits to total assets | 79.5184% | 4,975 |
| Equity capital to assets | 11.2699% | 2,598 |
| Core capital (leverage) ratio | 10.9565% | 2,475 |
| Tier 1 risk-based capital ratio | 13.6323% | 4,144 |
| Total risk-based capital ratio | 14.8840% | 4,067 |
| Memoranda: | ||
| Average total assets | $91,441,000 | 4,740 |
| Average earning assets | $86,616,670 | 4,665 |
| Average equity | $10,122,670 | 4,721 |
| Average total loans | $51,751,670 | 4,703 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9613% | 3,374 |
| Cost of funding earning assets | 0.7465% | 671 |
| Net interest margin | 3.2149% | 4,549 |
| Noninterest income to average assets | 0.6459% | 2,421 |
| Noninterest expense to average assets | 2.6532% | 3,737 |
| Loan and lease loss provision to assets | 0.0650% | 2,632 |
| Net operating income to assets | 0.8584% | 2,971 |
| Return on assets (ROA) | 0.8584% | 3,089 |
| Pretax return on assets | 0.9711% | 3,601 |
| Return on Equity (ROE) | 7.8226% | 3,057 |
| Retained earnings to average equity (ytd only) | 0.5531% | 5,210 |
| Net charge-offs to loans | -0.5884% | 6,264 |
| Credit loss provision to net charge-offs | -20.0000% | 4,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9154% | 3,184 |
| Assets per employee ($millions) | 3.7101% | 4,496 |
| Cash dividends to net income (ytd only)* | 92.9293% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0155% | 1,046 |
| Loan loss allowance to noncurrent loans | 1,317.5000% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 5,578 |
| Noncurrent loans to loans | 0.1530% | 5,228 |
| Net loans and leases to total assets | 57.5459% | 4,017 |
| Net loans and leases to deposits | 73.1363% | 3,410 |
| Net loans and leases to core deposits | 74.4930% | 3,739 |
| Total domestic deposits to total assets | 78.6831% | 5,321 |
| Equity capital to assets | 11.4856% | 2,474 |
| Core capital (leverage) ratio | 10.7417% | 2,703 |
| Tier 1 risk-based capital ratio | 14.1407% | 3,925 |
| Total risk-based capital ratio | 15.3938% | 3,848 |
| Memoranda: | ||
| Average total assets | $92,267,500 | 4,764 |
| Average earning assets | $87,344,500 | 4,684 |
| Average equity | $10,124,500 | 4,757 |
| Average total loans | $50,987,000 | 4,760 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 3,089 |
| Cost of funding earning assets | 0.8132% | 610 |
| Net interest margin | 3.3461% | 4,417 |
| Noninterest income to average assets | 0.6742% | 2,435 |
| Noninterest expense to average assets | 2.6176% | 4,152 |
| Loan and lease loss provision to assets | 0.0650% | 3,202 |
| Net operating income to assets | 1.0797% | 2,054 |
| Return on assets (ROA) | 1.0871% | 2,078 |
| Pretax return on assets | 1.1121% | 3,038 |
| Return on Equity (ROE) | 10.6971% | 1,819 |
| Retained earnings to average equity (ytd only) | 7.4336% | 1,221 |
| Net charge-offs to loans | 0.8504% | 396 |
| Credit loss provision to net charge-offs | 13.8249% | 4,058 |
| Earnings coverage of net charge-offs (x) | 2.4862% | 4,140 |
| Efficiency ratio | 69.1185% | 3,686 |
| Assets per employee ($millions) | 3.9789% | 4,006 |
| Cash dividends to net income (ytd only)* | 30.5085% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 1,219 |
| Loan loss allowance to noncurrent loans | 1,120.9302% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 5,664 |
| Noncurrent loans to loans | 0.1731% | 5,204 |
| Net loans and leases to total assets | 51.0153% | 4,870 |
| Net loans and leases to deposits | 63.5888% | 4,571 |
| Net loans and leases to core deposits | 64.6650% | 4,781 |
| Total domestic deposits to total assets | 80.2268% | 4,958 |
| Equity capital to assets | 10.4950% | 3,488 |
| Core capital (leverage) ratio | 10.1890% | 3,321 |
| Tier 1 risk-based capital ratio | 14.1635% | 3,990 |
| Total risk-based capital ratio | 15.4162% | 3,914 |
| Memoranda: | ||
| Average total assets | $92,260,400 | 4,785 |
| Average earning assets | $85,831,600 | 4,740 |
| Average equity | $9,376,400 | 4,888 |
| Average total loans | $51,032,400 | 4,784 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 2,925 |
| Cost of funding earning assets | 0.8315% | 588 |
| Net interest margin | 3.3873% | 4,286 |
| Noninterest income to average assets | 0.6415% | 2,618 |
| Noninterest expense to average assets | 2.6082% | 4,173 |
| Loan and lease loss provision to assets | 0.0656% | 3,042 |
| Net operating income to assets | 1.0792% | 2,116 |
| Return on assets (ROA) | 1.0891% | 2,148 |
| Pretax return on assets | 1.1197% | 3,109 |
| Return on Equity (ROE) | 10.8082% | 1,869 |
| Retained earnings to average equity (ytd only) | 6.3808% | 2,173 |
| Net charge-offs to loans | 1.0875% | 268 |
| Credit loss provision to net charge-offs | 10.7399% | 3,695 |
| Earnings coverage of net charge-offs (x) | 1.9236% | 4,039 |
| Efficiency ratio | 68.9403% | 3,689 |
| Assets per employee ($millions) | 3.8015% | 4,287 |
| Cash dividends to net income (ytd only)* | 40.9637% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8712% | 1,526 |
| Loan loss allowance to noncurrent loans | 973.7374% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 5,552 |
| Noncurrent loans to loans | 0.1922% | 5,330 |
| Net loans and leases to total assets | 55.4095% | 4,408 |
| Net loans and leases to deposits | 71.0098% | 3,796 |
| Net loans and leases to core deposits | 72.3026% | 4,125 |
| Total domestic deposits to total assets | 78.0308% | 5,527 |
| Equity capital to assets | 10.6569% | 3,363 |
| Core capital (leverage) ratio | 10.4311% | 3,120 |
| Tier 1 risk-based capital ratio | 13.4580% | 4,572 |
| Total risk-based capital ratio | 14.7092% | 4,512 |
| Memoranda: | ||
| Average total assets | $91,452,250 | 4,854 |
| Average earning assets | $84,825,500 | 4,814 |
| Average equity | $9,215,000 | 4,957 |
| Average total loans | $51,370,500 | 4,818 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 2,964 |
| Cost of funding earning assets | 0.8289% | 613 |
| Net interest margin | 3.3674% | 4,327 |
| Noninterest income to average assets | 0.6119% | 2,755 |
| Noninterest expense to average assets | 2.5917% | 4,268 |
| Loan and lease loss provision to assets | 0.0656% | 2,958 |
| Net operating income to assets | 1.0430% | 2,148 |
| Return on assets (ROA) | 1.0576% | 2,168 |
| Pretax return on assets | 1.1035% | 3,085 |
| Return on Equity (ROE) | 10.7013% | 1,843 |
| Retained earnings to average equity (ytd only) | 3.9356% | 3,676 |
| Net charge-offs to loans | 1.6562% | 154 |
| Credit loss provision to net charge-offs | 7.0588% | 3,337 |
| Earnings coverage of net charge-offs (x) | 1.2424% | 3,858 |
| Efficiency ratio | 69.1949% | 3,800 |
| Assets per employee ($millions) | 3.6666% | 4,515 |
| Cash dividends to net income (ytd only)* | 63.2231% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 1,824 |
| Loan loss allowance to noncurrent loans | 673.5714% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 5,497 |
| Noncurrent loans to loans | 0.2687% | 5,210 |
| Net loans and leases to total assets | 55.8076% | 4,314 |
| Net loans and leases to deposits | 71.3224% | 3,667 |
| Net loans and leases to core deposits | 72.2869% | 4,020 |
| Total domestic deposits to total assets | 78.2469% | 5,590 |
| Equity capital to assets | 10.2329% | 3,782 |
| Core capital (leverage) ratio | 9.8614% | 3,798 |
| Tier 1 risk-based capital ratio | 12.9313% | 4,957 |
| Total risk-based capital ratio | 14.1823% | 4,894 |
| Memoranda: | ||
| Average total assets | $91,524,000 | 4,889 |
| Average earning assets | $85,168,330 | 4,845 |
| Average equity | $9,045,670 | 5,016 |
| Average total loans | $51,321,330 | 4,848 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 3,068 |
| Cost of funding earning assets | 0.8424% | 606 |
| Net interest margin | 3.3080% | 4,501 |
| Noninterest income to average assets | 0.5380% | 3,125 |
| Noninterest expense to average assets | 2.5849% | 4,326 |
| Loan and lease loss provision to assets | 0.0656% | 2,813 |
| Net operating income to assets | 0.9141% | 2,580 |
| Return on assets (ROA) | 0.9141% | 2,653 |
| Pretax return on assets | 0.9447% | 3,539 |
| Return on Equity (ROE) | 9.4160% | 2,287 |
| Retained earnings to average equity (ytd only) | -1.8922% | 5,847 |
| Net charge-offs to loans | 0.3141% | 1,127 |
| Credit loss provision to net charge-offs | 37.5000% | 2,319 |
| Earnings coverage of net charge-offs (x) | 5.7750% | 2,334 |
| Efficiency ratio | 71.8978% | 3,506 |
| Assets per employee ($millions) | 4.0769% | 3,769 |
| Cash dividends to net income (ytd only)* | 120.0957% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5377% | 779 |
| Loan loss allowance to noncurrent loans | 669.3878% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 5,592 |
| Noncurrent loans to loans | 0.3791% | 4,988 |
| Net loans and leases to total assets | 53.7363% | 4,456 |
| Net loans and leases to deposits | 66.2791% | 4,063 |
| Net loans and leases to core deposits | 67.1222% | 4,389 |
| Total domestic deposits to total assets | 81.0758% | 5,208 |
| Equity capital to assets | 9.5373% | 4,452 |
| Core capital (leverage) ratio | 9.5489% | 4,216 |
| Tier 1 risk-based capital ratio | 12.8326% | 5,103 |
| Total risk-based capital ratio | 14.0902% | 5,044 |
| Memoranda: | ||
| Average total assets | $91,453,500 | 4,927 |
| Average earning assets | $84,521,500 | 4,901 |
| Average equity | $8,878,500 | 5,085 |
| Average total loans | $50,932,500 | 4,900 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 3,109 |
| Cost of funding earning assets | 0.9411% | 602 |
| Net interest margin | 3.3193% | 4,590 |
| Noninterest income to average assets | 0.7087% | 2,493 |
| Noninterest expense to average assets | 2.6011% | 4,458 |
| Loan and lease loss provision to assets | 0.2180% | 1,673 |
| Net operating income to assets | 0.9490% | 2,571 |
| Return on assets (ROA) | 0.9524% | 2,629 |
| Pretax return on assets | 0.9524% | 3,550 |
| Return on Equity (ROE) | 9.6787% | 2,247 |
| Retained earnings to average equity (ytd only) | 3.5670% | 3,678 |
| Net charge-offs to loans | 0.4565% | 1,453 |
| Credit loss provision to net charge-offs | 86.6667% | 2,848 |
| Earnings coverage of net charge-offs (x) | 4.6400% | 3,507 |
| Efficiency ratio | 69.0300% | 4,010 |
| Assets per employee ($millions) | 3.7141% | 4,449 |
| Cash dividends to net income (ytd only)* | 63.1455% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6672% | 684 |
| Loan loss allowance to noncurrent loans | 731.1475% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 5,568 |
| Noncurrent loans to loans | 0.3648% | 5,096 |
| Net loans and leases to total assets | 54.7769% | 4,491 |
| Net loans and leases to deposits | 68.5695% | 3,966 |
| Net loans and leases to core deposits | 69.5007% | 4,342 |
| Total domestic deposits to total assets | 79.8851% | 5,469 |
| Equity capital to assets | 9.8880% | 3,917 |
| Core capital (leverage) ratio | 10.1047% | 3,423 |
| Tier 1 risk-based capital ratio | 13.4063% | 4,715 |
| Total risk-based capital ratio | 14.5451% | 4,731 |
| Memoranda: | ||
| Average total assets | $89,461,400 | 4,992 |
| Average earning assets | $82,458,200 | 4,970 |
| Average equity | $8,802,800 | 5,143 |
| Average total loans | $49,292,600 | 4,992 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 3,127 |
| Cost of funding earning assets | 0.9545% | 631 |
| Net interest margin | 3.3123% | 4,596 |
| Noninterest income to average assets | 0.6567% | 2,846 |
| Noninterest expense to average assets | 2.5656% | 4,500 |
| Loan and lease loss provision to assets | 0.2680% | 1,315 |
| Net operating income to assets | 0.8785% | 2,942 |
| Return on assets (ROA) | 0.8785% | 3,059 |
| Pretax return on assets | 0.8666% | 4,022 |
| Return on Equity (ROE) | 8.9392% | 2,664 |
| Retained earnings to average equity (ytd only) | 1.5000% | 5,382 |
| Net charge-offs to loans | 0.5841% | 1,075 |
| Credit loss provision to net charge-offs | 83.7209% | 2,756 |
| Earnings coverage of net charge-offs (x) | 3.5442% | 3,670 |
| Efficiency ratio | 69.3360% | 3,862 |
| Assets per employee ($millions) | 3.6130% | 4,637 |
| Cash dividends to net income (ytd only)* | 83.2200% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6898% | 751 |
| Loan loss allowance to noncurrent loans | 1,606.0241% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 5,925 |
| Noncurrent loans to loans | 0.1675% | 5,819 |
| Net loans and leases to total assets | 55.6145% | 4,371 |
| Net loans and leases to deposits | 69.8862% | 3,805 |
| Net loans and leases to core deposits | 70.8639% | 4,228 |
| Total domestic deposits to total assets | 79.5786% | 5,613 |
| Equity capital to assets | 9.9293% | 4,010 |
| Core capital (leverage) ratio | 9.9718% | 3,713 |
| Tier 1 risk-based capital ratio | 13.1024% | 5,054 |
| Total risk-based capital ratio | 14.3610% | 4,994 |
| Memoranda: | ||
| Average total assets | $89,542,250 | 5,043 |
| Average earning assets | $82,276,500 | 5,019 |
| Average equity | $8,800,000 | 5,189 |
| Average total loans | $49,074,500 | 5,045 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 3,282 |
| Cost of funding earning assets | 0.9545% | 699 |
| Net interest margin | 3.2647% | 4,712 |
| Noninterest income to average assets | 0.6918% | 2,680 |
| Noninterest expense to average assets | 2.5153% | 4,668 |
| Loan and lease loss provision to assets | 0.3205% | 1,091 |
| Net operating income to assets | 0.8863% | 2,866 |
| Return on assets (ROA) | 0.8863% | 3,024 |
| Pretax return on assets | 0.8421% | 4,149 |
| Return on Equity (ROE) | 9.0485% | 2,587 |
| Retained earnings to average equity (ytd only) | -0.9477% | 6,040 |
| Net charge-offs to loans | 0.7605% | 838 |
| Credit loss provision to net charge-offs | 77.9570% | 2,667 |
| Earnings coverage of net charge-offs (x) | 2.8280% | 3,573 |
| Efficiency ratio | 68.3894% | 4,112 |
| Assets per employee ($millions) | 3.5753% | 4,687 |
| Cash dividends to net income (ytd only)* | 110.4738% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7115% | 784 |
| Loan loss allowance to noncurrent loans | 758.2857% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 5,906 |
| Noncurrent loans to loans | 0.3576% | 5,386 |
| Net loans and leases to total assets | 53.2691% | 4,701 |
| Net loans and leases to deposits | 67.3670% | 4,094 |
| Net loans and leases to core deposits | 68.8616% | 4,411 |
| Total domestic deposits to total assets | 79.0730% | 5,792 |
| Equity capital to assets | 9.2010% | 4,991 |
| Core capital (leverage) ratio | 9.3987% | 4,391 |
| Tier 1 risk-based capital ratio | 12.9173% | 5,208 |
| Total risk-based capital ratio | 14.1769% | 5,134 |
| Memoranda: | ||
| Average total assets | $90,485,330 | 5,050 |
| Average earning assets | $82,764,000 | 5,027 |
| Average equity | $8,863,330 | 5,209 |
| Average total loans | $48,913,330 | 5,071 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 3,218 |
| Cost of funding earning assets | 0.9596% | 748 |
| Net interest margin | 3.2596% | 4,682 |
| Noninterest income to average assets | 0.8480% | 1,936 |
| Noninterest expense to average assets | 2.5221% | 4,682 |
| Loan and lease loss provision to assets | 0.4394% | 657 |
| Net operating income to assets | 0.9798% | 2,320 |
| Return on assets (ROA) | 0.9798% | 2,449 |
| Pretax return on assets | 0.8568% | 3,928 |
| Return on Equity (ROE) | 9.7136% | 2,184 |
| Retained earnings to average equity (ytd only) | -6.6209% | 6,450 |
| Net charge-offs to loans | 1.2106% | 478 |
| Credit loss provision to net charge-offs | 67.5676% | 2,328 |
| Earnings coverage of net charge-offs (x) | 1.9932% | 3,171 |
| Efficiency ratio | 66.0529% | 4,651 |
| Assets per employee ($millions) | 3.8988% | 4,163 |
| Cash dividends to net income (ytd only)* | 168.1614% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7275% | 883 |
| Loan loss allowance to noncurrent loans | 776.4706% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 5,632 |
| Noncurrent loans to loans | 0.3513% | 5,517 |
| Net loans and leases to total assets | 50.3099% | 4,942 |
| Net loans and leases to deposits | 62.3788% | 4,489 |
| Net loans and leases to core deposits | 63.5398% | 4,786 |
| Total domestic deposits to total assets | 80.6523% | 5,584 |
| Equity capital to assets | 9.6738% | 4,598 |
| Core capital (leverage) ratio | 9.2358% | 4,502 |
| Tier 1 risk-based capital ratio | 13.2412% | 5,045 |
| Total risk-based capital ratio | 14.5008% | 4,991 |
| Memoranda: | ||
| Average total assets | $91,037,000 | 5,073 |
| Average earning assets | $82,955,500 | 5,066 |
| Average equity | $9,183,000 | 5,188 |
| Average total loans | $48,900,000 | 5,099 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7349% | 2,444 |
| Cost of funding earning assets | 1.1345% | 789 |
| Net interest margin | 3.6003% | 4,082 |
| Noninterest income to average assets | 0.8678% | 1,961 |
| Noninterest expense to average assets | 2.6567% | 4,550 |
| Loan and lease loss provision to assets | 0.5207% | 1,123 |
| Net operating income to assets | 0.9072% | 2,784 |
| Return on assets (ROA) | 0.9072% | 3,023 |
| Pretax return on assets | 0.9731% | 3,645 |
| Return on Equity (ROE) | 8.7930% | 2,737 |
| Retained earnings to average equity (ytd only) | 8.7930% | 881 |
| Net charge-offs to loans | -0.0656% | 6,755 |
| Credit loss provision to net charge-offs | -1,323.5294% | 6,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0089% | 4,886 |
| Assets per employee ($millions) | 3.8479% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7690% | 851 |
| Loan loss allowance to noncurrent loans | 375.8242% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 4,922 |
| Noncurrent loans to loans | 0.7368% | 4,707 |
| Net loans and leases to total assets | 54.2767% | 4,585 |
| Net loans and leases to deposits | 68.5905% | 3,892 |
| Net loans and leases to core deposits | 70.4785% | 4,235 |
| Total domestic deposits to total assets | 79.1315% | 5,861 |
| Equity capital to assets | 10.5241% | 3,499 |
| Core capital (leverage) ratio | 9.6592% | 3,876 |
| Tier 1 risk-based capital ratio | 13.4054% | 4,820 |
| Total risk-based capital ratio | 14.5685% | 4,830 |
| Memoranda: | ||
| Average total assets | $86,424,200 | 5,177 |
| Average earning assets | $78,798,600 | 5,165 |
| Average equity | $8,916,200 | 5,247 |
| Average total loans | $51,824,400 | 5,025 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 2,468 |
| Cost of funding earning assets | 1.1643% | 816 |
| Net interest margin | 3.6136% | 4,176 |
| Noninterest income to average assets | 0.8661% | 1,957 |
| Noninterest expense to average assets | 2.6230% | 4,663 |
| Loan and lease loss provision to assets | 0.5820% | 978 |
| Net operating income to assets | 0.8955% | 3,002 |
| Return on assets (ROA) | 0.8955% | 3,233 |
| Pretax return on assets | 0.9607% | 3,870 |
| Return on Equity (ROE) | 8.7256% | 2,935 |
| Retained earnings to average equity (ytd only) | 8.7256% | 1,337 |
| Net charge-offs to loans | -0.1170% | 6,886 |
| Credit loss provision to net charge-offs | -815.2174% | 6,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9657% | 4,981 |
| Assets per employee ($millions) | 4.0725% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4761% | 1,237 |
| Loan loss allowance to noncurrent loans | 217.5000% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 5,010 |
| Noncurrent loans to loans | 1.1385% | 4,155 |
| Net loans and leases to total assets | 57.3677% | 4,227 |
| Net loans and leases to deposits | 72.1284% | 3,594 |
| Net loans and leases to core deposits | 74.5201% | 3,906 |
| Total domestic deposits to total assets | 79.5355% | 5,763 |
| Equity capital to assets | 10.2295% | 4,167 |
| Core capital (leverage) ratio | 9.6514% | 4,046 |
| Tier 1 risk-based capital ratio | 12.8725% | 5,353 |
| Total risk-based capital ratio | 14.1323% | 5,309 |
| Memoranda: | ||
| Average total assets | $85,904,750 | 5,243 |
| Average earning assets | $78,442,000 | 5,228 |
| Average equity | $8,816,750 | 5,321 |
| Average total loans | $52,429,500 | 5,051 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 2,061 |
| Cost of funding earning assets | 1.2112% | 778 |
| Net interest margin | 3.7011% | 3,813 |
| Noninterest income to average assets | 0.8172% | 2,106 |
| Noninterest expense to average assets | 2.6501% | 4,603 |
| Loan and lease loss provision to assets | 0.7086% | 761 |
| Net operating income to assets | 0.7606% | 3,553 |
| Return on assets (ROA) | 0.7606% | 3,824 |
| Pretax return on assets | 0.8220% | 4,396 |
| Return on Equity (ROE) | 7.4017% | 3,564 |
| Retained earnings to average equity (ytd only) | 7.4017% | 1,915 |
| Net charge-offs to loans | -0.1337% | 6,916 |
| Credit loss provision to net charge-offs | -857.1429% | 6,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3898% | 5,010 |
| Assets per employee ($millions) | 3.8677% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3631% | 1,476 |
| Loan loss allowance to noncurrent loans | 229.5669% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 5,214 |
| Noncurrent loans to loans | 1.0294% | 4,452 |
| Net loans and leases to total assets | 59.1921% | 3,958 |
| Net loans and leases to deposits | 75.1025% | 3,115 |
| Net loans and leases to core deposits | 77.7457% | 3,555 |
| Total domestic deposits to total assets | 78.8151% | 5,993 |
| Equity capital to assets | 10.4514% | 3,746 |
| Core capital (leverage) ratio | 9.6125% | 3,978 |
| Tier 1 risk-based capital ratio | 13.2980% | 4,967 |
| Total risk-based capital ratio | 14.5572% | 4,930 |
| Memoranda: | ||
| Average total assets | $84,675,000 | 5,311 |
| Average earning assets | $76,950,670 | 5,300 |
| Average equity | $8,700,670 | 5,353 |
| Average total loans | $52,338,330 | 5,094 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 1,951 |
| Cost of funding earning assets | 1.2573% | 752 |
| Net interest margin | 3.7247% | 3,712 |
| Noninterest income to average assets | 0.8098% | 2,119 |
| Noninterest expense to average assets | 2.7798% | 4,122 |
| Loan and lease loss provision to assets | 0.7103% | 734 |
| Net operating income to assets | 0.6346% | 4,199 |
| Return on assets (ROA) | 0.6346% | 4,411 |
| Pretax return on assets | 0.6867% | 4,835 |
| Return on Equity (ROE) | 6.2293% | 4,174 |
| Retained earnings to average equity (ytd only) | 6.2293% | 2,828 |
| Net charge-offs to loans | -0.3035% | 7,070 |
| Credit loss provision to net charge-offs | -375.0000% | 5,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5533% | 4,452 |
| Assets per employee ($millions) | 3.7654% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0381% | 2,243 |
| Loan loss allowance to noncurrent loans | 224.9476% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.8579% | 4,809 |
| Noncurrent loans to loans | 0.9061% | 4,857 |
| Net loans and leases to total assets | 59.5497% | 3,763 |
| Net loans and leases to deposits | 74.9488% | 2,980 |
| Net loans and leases to core deposits | 78.1019% | 3,308 |
| Total domestic deposits to total assets | 79.4538% | 5,984 |
| Equity capital to assets | 9.9925% | 4,131 |
| Core capital (leverage) ratio | 9.4328% | 4,148 |
| Tier 1 risk-based capital ratio | 13.1041% | 5,129 |
| Total risk-based capital ratio | 14.3610% | 5,096 |
| Memoranda: | ||
| Average total assets | $84,468,000 | 5,354 |
| Average earning assets | $76,356,000 | 5,350 |
| Average equity | $8,604,500 | 5,401 |
| Average total loans | $52,715,000 | 5,117 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2450% | 1,895 |
| Cost of funding earning assets | 1.4797% | 773 |
| Net interest margin | 3.7653% | 4,002 |
| Noninterest income to average assets | 0.7143% | 2,526 |
| Noninterest expense to average assets | 2.8447% | 4,185 |
| Loan and lease loss provision to assets | 0.7453% | 1,357 |
| Net operating income to assets | 0.5094% | 4,374 |
| Return on assets (ROA) | 0.5106% | 4,585 |
| Pretax return on assets | 0.5553% | 4,819 |
| Return on Equity (ROE) | 5.0616% | 4,358 |
| Retained earnings to average equity (ytd only) | 3.1650% | 3,967 |
| Net charge-offs to loans | 1.4741% | 1,089 |
| Credit loss provision to net charge-offs | 75.8534% | 4,644 |
| Earnings coverage of net charge-offs (x) | 1.3224% | 4,784 |
| Efficiency ratio | 68.6451% | 4,222 |
| Assets per employee ($millions) | 3.4305% | 5,181 |
| Cash dividends to net income (ytd only)* | 37.4696% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 3,297 |
| Loan loss allowance to noncurrent loans | 213.0120% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 4,978 |
| Noncurrent loans to loans | 0.7862% | 5,110 |
| Net loans and leases to total assets | 63.0382% | 3,394 |
| Net loans and leases to deposits | 80.3742% | 2,450 |
| Net loans and leases to core deposits | 84.3025% | 2,851 |
| Total domestic deposits to total assets | 78.4310% | 6,108 |
| Equity capital to assets | 10.3910% | 3,665 |
| Core capital (leverage) ratio | 9.3840% | 4,202 |
| Tier 1 risk-based capital ratio | 13.2062% | 4,908 |
| Total risk-based capital ratio | 14.4592% | 4,886 |
| Memoranda: | ||
| Average total assets | $80,499,600 | 5,446 |
| Average earning assets | $73,327,000 | 5,426 |
| Average equity | $8,120,000 | 5,535 |
| Average total loans | $53,659,800 | 5,125 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3013% | 1,850 |
| Cost of funding earning assets | 1.5253% | 780 |
| Net interest margin | 3.7759% | 3,987 |
| Noninterest income to average assets | 0.6596% | 2,827 |
| Noninterest expense to average assets | 2.9184% | 3,843 |
| Loan and lease loss provision to assets | 0.7496% | 1,272 |
| Net operating income to assets | 0.3999% | 5,006 |
| Return on assets (ROA) | 0.4015% | 5,178 |
| Pretax return on assets | 0.4364% | 5,353 |
| Return on Equity (ROE) | 4.0110% | 4,984 |
| Retained earnings to average equity (ytd only) | 1.4480% | 5,421 |
| Net charge-offs to loans | 1.3586% | 1,111 |
| Credit loss provision to net charge-offs | 81.9672% | 4,075 |
| Earnings coverage of net charge-offs (x) | 1.2951% | 4,648 |
| Efficiency ratio | 71.1328% | 3,713 |
| Assets per employee ($millions) | 3.4123% | 5,222 |
| Cash dividends to net income (ytd only)* | 63.9000% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8346% | 2,816 |
| Loan loss allowance to noncurrent loans | 258.2011% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 5,011 |
| Noncurrent loans to loans | 0.7105% | 5,457 |
| Net loans and leases to total assets | 63.7682% | 3,357 |
| Net loans and leases to deposits | 81.1218% | 2,509 |
| Net loans and leases to core deposits | 84.5169% | 2,982 |
| Total domestic deposits to total assets | 78.6080% | 6,070 |
| Equity capital to assets | 10.1667% | 4,137 |
| Core capital (leverage) ratio | 9.5271% | 4,112 |
| Tier 1 risk-based capital ratio | 12.9871% | 5,107 |
| Total risk-based capital ratio | 14.2416% | 5,072 |
| Memoranda: | ||
| Average total assets | $80,041,750 | 5,502 |
| Average earning assets | $72,987,250 | 5,480 |
| Average equity | $8,011,250 | 5,597 |
| Average total loans | $53,878,750 | 5,168 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2999% | 1,893 |
| Cost of funding earning assets | 1.5710% | 787 |
| Net interest margin | 3.7290% | 4,123 |
| Noninterest income to average assets | 0.6472% | 2,865 |
| Noninterest expense to average assets | 2.7926% | 4,450 |
| Loan and lease loss provision to assets | 0.7554% | 1,232 |
| Net operating income to assets | 0.4836% | 4,573 |
| Return on assets (ROA) | 0.4860% | 4,708 |
| Pretax return on assets | 0.5087% | 5,038 |
| Return on Equity (ROE) | 4.8822% | 4,509 |
| Retained earnings to average equity (ytd only) | 0.9866% | 5,473 |
| Net charge-offs to loans | 1.9924% | 676 |
| Credit loss provision to net charge-offs | 55.6586% | 4,446 |
| Earnings coverage of net charge-offs (x) | 0.9295% | 4,607 |
| Efficiency ratio | 68.8820% | 4,346 |
| Assets per employee ($millions) | 3.3925% | 5,219 |
| Cash dividends to net income (ytd only)* | 79.7927% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 3,966 |
| Loan loss allowance to noncurrent loans | 210.5793% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.9875% | 4,894 |
| Noncurrent loans to loans | 0.7285% | 5,456 |
| Net loans and leases to total assets | 65.9007% | 3,051 |
| Net loans and leases to deposits | 84.3531% | 2,054 |
| Net loans and leases to core deposits | 90.1571% | 2,359 |
| Total domestic deposits to total assets | 78.1248% | 6,263 |
| Equity capital to assets | 9.9262% | 4,246 |
| Core capital (leverage) ratio | 9.3315% | 4,204 |
| Tier 1 risk-based capital ratio | 12.6760% | 5,196 |
| Total risk-based capital ratio | 13.9280% | 5,164 |
| Memoranda: | ||
| Average total assets | $79,424,000 | 5,567 |
| Average earning assets | $72,567,330 | 5,537 |
| Average equity | $7,906,330 | 5,644 |
| Average total loans | $54,105,330 | 5,203 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2697% | 1,982 |
| Cost of funding earning assets | 1.5815% | 871 |
| Net interest margin | 3.6882% | 4,168 |
| Noninterest income to average assets | 0.6784% | 2,685 |
| Noninterest expense to average assets | 2.8817% | 4,139 |
| Loan and lease loss provision to assets | 0.7651% | 1,116 |
| Net operating income to assets | 0.3978% | 4,958 |
| Return on assets (ROA) | 0.3978% | 5,050 |
| Pretax return on assets | 0.3978% | 5,351 |
| Return on Equity (ROE) | 3.9905% | 4,913 |
| Retained earnings to average equity (ytd only) | -3.8371% | 6,393 |
| Net charge-offs to loans | 3.5391% | 283 |
| Credit loss provision to net charge-offs | 31.4465% | 4,095 |
| Earnings coverage of net charge-offs (x) | 0.4780% | 4,263 |
| Efficiency ratio | 71.2484% | 4,001 |
| Assets per employee ($millions) | 3.3403% | 5,392 |
| Cash dividends to net income (ytd only)* | 196.1538% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 4,781 |
| Loan loss allowance to noncurrent loans | 120.2572% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.1988% | 4,558 |
| Noncurrent loans to loans | 1.1444% | 4,788 |
| Net loans and leases to total assets | 66.8638% | 2,798 |
| Net loans and leases to deposits | 83.9486% | 2,042 |
| Net loans and leases to core deposits | 87.8433% | 2,621 |
| Total domestic deposits to total assets | 79.6485% | 6,028 |
| Equity capital to assets | 9.7286% | 4,139 |
| Core capital (leverage) ratio | 9.4259% | 3,920 |
| Tier 1 risk-based capital ratio | 12.6706% | 5,096 |
| Total risk-based capital ratio | 13.9208% | 5,072 |
| Memoranda: | ||
| Average total assets | $78,425,500 | 5,633 |
| Average earning assets | $71,579,500 | 5,615 |
| Average equity | $7,818,500 | 5,673 |
| Average total loans | $53,911,500 | 5,259 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4682% | 2,411 |
| Cost of funding earning assets | 1.8856% | 893 |
| Net interest margin | 3.5826% | 4,897 |
| Noninterest income to average assets | 0.7239% | 2,685 |
| Noninterest expense to average assets | 2.9329% | 4,096 |
| Loan and lease loss provision to assets | 0.7662% | 2,137 |
| Net operating income to assets | 0.2829% | 4,989 |
| Return on assets (ROA) | 0.2866% | 5,140 |
| Pretax return on assets | 0.2953% | 5,243 |
| Return on Equity (ROE) | 2.9564% | 4,978 |
| Retained earnings to average equity (ytd only) | 2.8664% | 3,847 |
| Net charge-offs to loans | 0.6914% | 2,932 |
| Credit loss provision to net charge-offs | 164.0000% | 2,109 |
| Earnings coverage of net charge-offs (x) | 2.2640% | 4,028 |
| Efficiency ratio | 73.4936% | 3,490 |
| Assets per employee ($millions) | 3.0674% | 5,952 |
| Cash dividends to net income (ytd only)* | 3.0435% | 3,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0104% | 2,269 |
| Loan loss allowance to noncurrent loans | 146.8579% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3966% | 4,246 |
| Noncurrent loans to loans | 1.3689% | 4,432 |
| Net loans and leases to total assets | 68.3289% | 2,902 |
| Net loans and leases to deposits | 86.9763% | 1,942 |
| Net loans and leases to core deposits | 91.6466% | 2,540 |
| Total domestic deposits to total assets | 78.5603% | 6,203 |
| Equity capital to assets | 10.2210% | 3,474 |
| Core capital (leverage) ratio | 9.4217% | 3,814 |
| Tier 1 risk-based capital ratio | 13.2267% | 4,434 |
| Total risk-based capital ratio | 14.4842% | 4,378 |
| Memoranda: | ||
| Average total assets | $80,262,400 | 5,587 |
| Average earning assets | $73,186,200 | 5,564 |
| Average equity | $7,779,800 | 5,785 |
| Average total loans | $54,241,200 | 5,307 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4296% | 2,744 |
| Cost of funding earning assets | 1.9149% | 983 |
| Net interest margin | 3.5146% | 5,233 |
| Noninterest income to average assets | 0.6621% | 3,062 |
| Noninterest expense to average assets | 2.9457% | 3,934 |
| Loan and lease loss provision to assets | 0.7639% | 2,004 |
| Net operating income to assets | 0.1479% | 5,647 |
| Return on assets (ROA) | 0.1479% | 5,803 |
| Pretax return on assets | 0.1577% | 5,817 |
| Return on Equity (ROE) | 1.5453% | 5,755 |
| Retained earnings to average equity (ytd only) | 1.5453% | 5,181 |
| Net charge-offs to loans | 0.9014% | 2,194 |
| Credit loss provision to net charge-offs | 126.3587% | 3,230 |
| Earnings coverage of net charge-offs (x) | 1.5245% | 4,581 |
| Efficiency ratio | 76.1682% | 2,917 |
| Assets per employee ($millions) | 3.2608% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 3,026 |
| Loan loss allowance to noncurrent loans | 78.9831% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.8633% | 3,656 |
| Noncurrent loans to loans | 2.2020% | 3,442 |
| Net loans and leases to total assets | 64.5915% | 3,995 |
| Net loans and leases to deposits | 85.7378% | 2,401 |
| Net loans and leases to core deposits | 90.8707% | 2,976 |
| Total domestic deposits to total assets | 75.3361% | 6,765 |
| Equity capital to assets | 9.7792% | 4,443 |
| Core capital (leverage) ratio | 9.0503% | 4,602 |
| Tier 1 risk-based capital ratio | 12.7169% | 4,799 |
| Total risk-based capital ratio | 13.9711% | 4,776 |
| Memoranda: | ||
| Average total assets | $81,156,750 | 5,631 |
| Average earning assets | $74,012,500 | 5,606 |
| Average equity | $7,765,250 | 5,868 |
| Average total loans | $54,433,250 | 5,371 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3851% | 3,043 |
| Cost of funding earning assets | 1.9134% | 1,193 |
| Net interest margin | 3.4717% | 5,359 |
| Noninterest income to average assets | 0.6442% | 3,038 |
| Noninterest expense to average assets | 3.0653% | 3,448 |
| Loan and lease loss provision to assets | 0.5923% | 2,412 |
| Net operating income to assets | 0.1456% | 5,739 |
| Return on assets (ROA) | 0.1456% | 5,853 |
| Pretax return on assets | 0.1481% | 5,889 |
| Return on Equity (ROE) | 1.5332% | 5,794 |
| Retained earnings to average equity (ytd only) | 1.5332% | 5,106 |
| Net charge-offs to loans | 0.3875% | 3,430 |
| Credit loss provision to net charge-offs | 226.4151% | 1,711 |
| Earnings coverage of net charge-offs (x) | 2.8302% | 3,571 |
| Efficiency ratio | 80.5447% | 2,365 |
| Assets per employee ($millions) | 3.3439% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 3,049 |
| Loan loss allowance to noncurrent loans | 59.9629% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 2.3386% | 3,091 |
| Noncurrent loans to loans | 2.8450% | 2,814 |
| Net loans and leases to total assets | 66.7863% | 3,672 |
| Net loans and leases to deposits | 91.5459% | 1,605 |
| Net loans and leases to core deposits | 95.1336% | 2,569 |
| Total domestic deposits to total assets | 72.9539% | 7,104 |
| Equity capital to assets | 9.2526% | 5,071 |
| Core capital (leverage) ratio | 8.9451% | 4,693 |
| Tier 1 risk-based capital ratio | 11.8778% | 5,420 |
| Total risk-based capital ratio | 13.1322% | 5,388 |
| Memoranda: | ||
| Average total assets | $81,035,670 | 5,667 |
| Average earning assets | $73,795,670 | 5,649 |
| Average equity | $7,696,330 | 5,902 |
| Average total loans | $54,715,330 | 5,390 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2567% | 3,749 |
| Cost of funding earning assets | 1.9616% | 1,204 |
| Net interest margin | 3.2951% | 5,992 |
| Noninterest income to average assets | 0.6771% | 2,762 |
| Noninterest expense to average assets | 2.8889% | 4,110 |
| Loan and lease loss provision to assets | 0.6018% | 2,112 |
| Net operating income to assets | 0.1856% | 5,735 |
| Return on assets (ROA) | 0.1856% | 5,862 |
| Pretax return on assets | 0.1856% | 5,921 |
| Return on Equity (ROE) | 1.9278% | 5,791 |
| Retained earnings to average equity (ytd only) | 1.9278% | 4,971 |
| Net charge-offs to loans | 0.0522% | 4,886 |
| Credit loss provision to net charge-offs | 1,714.2857% | 292 |
| Earnings coverage of net charge-offs (x) | 22.4286% | 1,089 |
| Efficiency ratio | 78.5812% | 2,796 |
| Assets per employee ($millions) | 3.4185% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 2,885 |
| Loan loss allowance to noncurrent loans | 69.2701% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 2.2500% | 3,214 |
| Noncurrent loans to loans | 2.5318% | 3,138 |
| Net loans and leases to total assets | 64.7974% | 4,144 |
| Net loans and leases to deposits | 83.3707% | 3,047 |
| Net loans and leases to core deposits | 86.8293% | 3,779 |
| Total domestic deposits to total assets | 77.7220% | 6,386 |
| Equity capital to assets | 9.3571% | 4,748 |
| Core capital (leverage) ratio | 9.0959% | 4,381 |
| Tier 1 risk-based capital ratio | 12.3555% | 4,863 |
| Total risk-based capital ratio | 13.6094% | 4,816 |
| Memoranda: | ||
| Average total assets | $79,754,500 | 5,776 |
| Average earning assets | $72,592,500 | 5,758 |
| Average equity | $7,677,000 | 5,951 |
| Average total loans | $53,672,500 | 5,508 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7159% | 3,027 |
| Cost of funding earning assets | 2.1982% | 2,043 |
| Net interest margin | 3.5177% | 4,878 |
| Noninterest income to average assets | 0.6301% | 3,419 |
| Noninterest expense to average assets | 2.8367% | 4,810 |
| Loan and lease loss provision to assets | 0.7265% | 2,935 |
| Net operating income to assets | 0.2953% | 4,550 |
| Return on assets (ROA) | 0.2953% | 4,631 |
| Pretax return on assets | 0.2916% | 4,787 |
| Return on Equity (ROE) | 3.1524% | 4,433 |
| Retained earnings to average equity (ytd only) | 3.1524% | 2,953 |
| Net charge-offs to loans | 1.6584% | 1,526 |
| Credit loss provision to net charge-offs | 63.9130% | 6,582 |
| Earnings coverage of net charge-offs (x) | 0.8957% | 5,215 |
| Efficiency ratio | 73.5897% | 3,977 |
| Assets per employee ($millions) | 3.2277% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 3,403 |
| Loan loss allowance to noncurrent loans | 173.2365% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 4,401 |
| Noncurrent loans to loans | 0.9055% | 5,496 |
| Net loans and leases to total assets | 67.6417% | 3,787 |
| Net loans and leases to deposits | 88.9308% | 2,401 |
| Net loans and leases to core deposits | 103.7132% | 3,602 |
| Total domestic deposits to total assets | 76.0611% | 6,668 |
| Equity capital to assets | 9.9104% | 3,884 |
| Core capital (leverage) ratio | 9.1853% | 4,143 |
| Tier 1 risk-based capital ratio | 12.6143% | 4,431 |
| Total risk-based capital ratio | 13.8667% | 4,371 |
| Memoranda: | ||
| Average total assets | $80,939,200 | 5,702 |
| Average earning assets | $74,196,800 | 5,670 |
| Average equity | $7,581,600 | 6,064 |
| Average total loans | $55,476,000 | 5,438 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6990% | 3,340 |
| Cost of funding earning assets | 2.2114% | 2,354 |
| Net interest margin | 3.4875% | 4,908 |
| Noninterest income to average assets | 0.5835% | 3,831 |
| Noninterest expense to average assets | 2.7706% | 5,016 |
| Loan and lease loss provision to assets | 0.6633% | 2,755 |
| Net operating income to assets | 0.3586% | 4,557 |
| Return on assets (ROA) | 0.3586% | 4,659 |
| Pretax return on assets | 0.3520% | 4,925 |
| Return on Equity (ROE) | 3.8812% | 4,426 |
| Retained earnings to average equity (ytd only) | 3.8812% | 3,123 |
| Net charge-offs to loans | 1.9725% | 1,007 |
| Credit loss provision to net charge-offs | 49.0953% | 6,323 |
| Earnings coverage of net charge-offs (x) | 0.7515% | 5,292 |
| Efficiency ratio | 73.1812% | 4,021 |
| Assets per employee ($millions) | 3.0479% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 4,021 |
| Loan loss allowance to noncurrent loans | 144.1006% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 1.4928% | 4,134 |
| Noncurrent loans to loans | 0.9613% | 5,373 |
| Net loans and leases to total assets | 66.9245% | 4,204 |
| Net loans and leases to deposits | 88.9655% | 2,786 |
| Net loans and leases to core deposits | 103.9984% | 3,935 |
| Total domestic deposits to total assets | 75.2252% | 6,734 |
| Equity capital to assets | 9.8339% | 4,309 |
| Core capital (leverage) ratio | 8.9992% | 4,651 |
| Tier 1 risk-based capital ratio | 12.2543% | 4,740 |
| Total risk-based capital ratio | 13.4923% | 4,697 |
| Memoranda: | ||
| Average total assets | $81,808,000 | 5,699 |
| Average earning assets | $75,122,750 | 5,666 |
| Average equity | $7,557,750 | 6,125 |
| Average total loans | $56,036,750 | 5,461 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6465% | 3,837 |
| Cost of funding earning assets | 2.2187% | 2,707 |
| Net interest margin | 3.4279% | 5,072 |
| Noninterest income to average assets | 0.6242% | 3,504 |
| Noninterest expense to average assets | 2.7122% | 5,339 |
| Loan and lease loss provision to assets | 0.4355% | 3,378 |
| Net operating income to assets | 0.6363% | 3,527 |
| Return on assets (ROA) | 0.6363% | 3,635 |
| Pretax return on assets | 0.6315% | 4,229 |
| Return on Equity (ROE) | 7.0327% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.0327% | 1,572 |
| Net charge-offs to loans | 1.9863% | 935 |
| Credit loss provision to net charge-offs | 31.9149% | 6,010 |
| Earnings coverage of net charge-offs (x) | 0.7819% | 4,950 |
| Efficiency ratio | 71.7670% | 4,459 |
| Assets per employee ($millions) | 3.2083% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 3,988 |
| Loan loss allowance to noncurrent loans | 65.7431% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.5488% | 3,902 |
| Noncurrent loans to loans | 2.0509% | 3,445 |
| Net loans and leases to total assets | 68.6778% | 4,026 |
| Net loans and leases to deposits | 93.9025% | 2,106 |
| Net loans and leases to core deposits | 109.8100% | 3,395 |
| Total domestic deposits to total assets | 73.1374% | 7,089 |
| Equity capital to assets | 9.1552% | 5,089 |
| Core capital (leverage) ratio | 8.8755% | 4,826 |
| Tier 1 risk-based capital ratio | 11.4971% | 5,380 |
| Total risk-based capital ratio | 12.7108% | 5,345 |
| Memoranda: | ||
| Average total assets | $82,662,000 | 5,706 |
| Average earning assets | $76,082,000 | 5,666 |
| Average equity | $7,479,330 | 6,191 |
| Average total loans | $56,789,000 | 5,477 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5442% | 4,673 |
| Cost of funding earning assets | 2.2907% | 2,742 |
| Net interest margin | 3.2535% | 5,682 |
| Noninterest income to average assets | 0.6465% | 3,220 |
| Noninterest expense to average assets | 2.7077% | 4,966 |
| Loan and lease loss provision to assets | 0.4375% | 2,737 |
| Net operating income to assets | 0.5347% | 4,276 |
| Return on assets (ROA) | 0.5347% | 4,468 |
| Pretax return on assets | 0.4910% | 5,106 |
| Return on Equity (ROE) | 5.9455% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.9455% | 2,656 |
| Net charge-offs to loans | 0.9475% | 1,401 |
| Credit loss provision to net charge-offs | 67.6692% | 4,394 |
| Earnings coverage of net charge-offs (x) | 1.4361% | 4,017 |
| Efficiency ratio | 74.4652% | 3,738 |
| Assets per employee ($millions) | 3.1306% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 1,398 |
| Loan loss allowance to noncurrent loans | 56.4540% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 2.5116% | 2,285 |
| Noncurrent loans to loans | 3.5575% | 1,773 |
| Net loans and leases to total assets | 64.8810% | 4,825 |
| Net loans and leases to deposits | 83.8858% | 4,000 |
| Net loans and leases to core deposits | 97.6132% | 4,786 |
| Total domestic deposits to total assets | 77.3445% | 6,199 |
| Equity capital to assets | 8.7830% | 5,651 |
| Core capital (leverage) ratio | 8.6677% | 5,216 |
| Tier 1 risk-based capital ratio | 11.4026% | 5,506 |
| Total risk-based capital ratio | 12.6583% | 5,401 |
| Memoranda: | ||
| Average total assets | $82,284,500 | 5,730 |
| Average earning assets | $75,610,000 | 5,709 |
| Average equity | $7,400,500 | 6,257 |
| Average total loans | $56,147,500 | 5,534 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6603% | 2,201 |
| Cost of funding earning assets | 2.8454% | 2,496 |
| Net interest margin | 3.8149% | 3,957 |
| Noninterest income to average assets | 0.6646% | 3,376 |
| Noninterest expense to average assets | 2.6291% | 5,540 |
| Loan and lease loss provision to assets | 0.7323% | 2,022 |
| Net operating income to assets | 0.7430% | 3,703 |
| Return on assets (ROA) | 0.7533% | 3,488 |
| Pretax return on assets | 0.8062% | 4,045 |
| Return on Equity (ROE) | 8.3388% | 2,922 |
| Retained earnings to average equity (ytd only) | -3.8969% | 6,306 |
| Net charge-offs to loans | 0.6475% | 1,913 |
| Credit loss provision to net charge-offs | 153.3505% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.1985% | 4,487 |
| Efficiency ratio | 63.2514% | 5,723 |
| Assets per employee ($millions) | 2.9645% | 6,139 |
| Cash dividends to net income (ytd only)* | 146.7320% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0718% | 1,113 |
| Loan loss allowance to noncurrent loans | 87.0896% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.9340% | 2,540 |
| Noncurrent loans to loans | 2.3789% | 2,314 |
| Net loans and leases to total assets | 68.9163% | 4,274 |
| Net loans and leases to deposits | 92.1640% | 3,103 |
| Net loans and leases to core deposits | 108.5652% | 3,900 |
| Total domestic deposits to total assets | 74.7757% | 6,502 |
| Equity capital to assets | 9.2164% | 5,054 |
| Core capital (leverage) ratio | 8.6990% | 5,200 |
| Tier 1 risk-based capital ratio | 11.3619% | 5,371 |
| Total risk-based capital ratio | 12.6197% | 5,264 |
| Memoranda: | ||
| Average total assets | $81,246,000 | 5,651 |
| Average earning assets | $74,366,400 | 5,648 |
| Average equity | $7,339,200 | 6,337 |
| Average total loans | $59,927,000 | 5,270 |