Home > The State Bank of Townsend > Performance and Condition Ratios
The State Bank of Townsend, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4868% | 414 |
| Cost of funding earning assets | 0.2751% | 4,677 |
| Net interest margin | 5.2117% | 186 |
| Noninterest income to average assets | 0.6417% | 2,083 |
| Noninterest expense to average assets | 3.9999% | 531 |
| Loan and lease loss provision to assets | 0.3553% | 424 |
| Net operating income to assets | 0.7376% | 4,012 |
| Return on assets (ROA) | 0.7369% | 4,015 |
| Pretax return on assets | 1.0242% | 3,531 |
| Return on Equity (ROE) | 6.2653% | 4,080 |
| Retained earnings to average equity (ytd only) | -4.7780% | 5,240 |
| Net charge-offs to loans | 0.3996% | 465 |
| Credit loss provision to net charge-offs | 108.2873% | 2,368 |
| Earnings coverage of net charge-offs (x) | 4.2072% | 3,320 |
| Efficiency ratio | 74.3430% | 1,583 |
| Assets per employee ($millions) | 3.5650% | 4,482 |
| Cash dividends to net income (ytd only)* | 176.2608% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6505% | 4,897 |
| Loan loss allowance to noncurrent loans | 38.4417% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.6606% | 655 |
| Noncurrent loans to loans | 1.6922% | 859 |
| Net loans and leases to total assets | 85.2501% | 294 |
| Net loans and leases to deposits | 98.3379% | 868 |
| Net loans and leases to core deposits | 103.7294% | 1,436 |
| Total domestic deposits to total assets | 86.6910% | 1,923 |
| Equity capital to assets | 11.4792% | 2,264 |
| Core capital (leverage) ratio | 11.2343% | 2,318 |
| Tier 1 risk-based capital ratio | 12.7808% | 3,973 |
| Total risk-based capital ratio | 13.4206% | 4,199 |
| Memoranda: | ||
| Average total assets | $110,327,600 | 3,942 |
| Average earning assets | $100,312,600 | 3,972 |
| Average equity | $12,976,200 | 3,885 |
| Average total loans | $90,583,200 | 3,470 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3475% | 480 |
| Cost of funding earning assets | 0.2595% | 4,731 |
| Net interest margin | 5.0880% | 220 |
| Noninterest income to average assets | 0.6860% | 1,911 |
| Noninterest expense to average assets | 3.4252% | 1,083 |
| Loan and lease loss provision to assets | 0.4701% | 253 |
| Net operating income to assets | 1.0264% | 2,981 |
| Return on assets (ROA) | 1.0254% | 2,996 |
| Pretax return on assets | 1.4224% | 2,146 |
| Return on Equity (ROE) | 8.6683% | 3,254 |
| Retained earnings to average equity (ytd only) | 4.2277% | 3,660 |
| Net charge-offs to loans | 0.2968% | 559 |
| Credit loss provision to net charge-offs | 195.0249% | 1,411 |
| Earnings coverage of net charge-offs (x) | 7.8558% | 2,768 |
| Efficiency ratio | 64.3968% | 3,117 |
| Assets per employee ($millions) | 3.4852% | 4,578 |
| Cash dividends to net income (ytd only)* | 51.2285% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8190% | 4,552 |
| Loan loss allowance to noncurrent loans | 41.4208% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.7780% | 662 |
| Noncurrent loans to loans | 1.9772% | 752 |
| Net loans and leases to total assets | 84.9660% | 360 |
| Net loans and leases to deposits | 100.1167% | 775 |
| Net loans and leases to core deposits | 106.1272% | 1,300 |
| Total domestic deposits to total assets | 84.8670% | 2,660 |
| Equity capital to assets | 12.3211% | 1,685 |
| Core capital (leverage) ratio | 11.9916% | 1,789 |
| Tier 1 risk-based capital ratio | 15.2497% | 2,763 |
| Total risk-based capital ratio | 16.1421% | 2,847 |
| Memoranda: | ||
| Average total assets | $111,172,000 | 3,965 |
| Average earning assets | $101,228,500 | 3,994 |
| Average equity | $13,151,000 | 3,895 |
| Average total loans | $90,286,000 | 3,505 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2696% | 500 |
| Cost of funding earning assets | 0.2462% | 4,766 |
| Net interest margin | 5.0234% | 238 |
| Noninterest income to average assets | 0.6381% | 2,145 |
| Noninterest expense to average assets | 3.2652% | 1,401 |
| Loan and lease loss provision to assets | 0.3885% | 319 |
| Net operating income to assets | 0.9767% | 3,117 |
| Return on assets (ROA) | 0.9767% | 3,122 |
| Pretax return on assets | 1.5666% | 1,613 |
| Return on Equity (ROE) | 8.3681% | 3,331 |
| Retained earnings to average equity (ytd only) | 1.6797% | 4,576 |
| Net charge-offs to loans | 0.4468% | 345 |
| Credit loss provision to net charge-offs | 109.0000% | 1,907 |
| Earnings coverage of net charge-offs (x) | 5.4850% | 2,705 |
| Efficiency ratio | 62.5469% | 3,554 |
| Assets per employee ($millions) | 3.6970% | 4,354 |
| Cash dividends to net income (ytd only)* | 79.9270% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6349% | 5,046 |
| Loan loss allowance to noncurrent loans | 58.0357% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 1,517 |
| Noncurrent loans to loans | 1.0941% | 1,613 |
| Net loans and leases to total assets | 82.5442% | 644 |
| Net loans and leases to deposits | 97.4485% | 1,004 |
| Net loans and leases to core deposits | 103.4592% | 1,438 |
| Total domestic deposits to total assets | 84.7055% | 2,794 |
| Equity capital to assets | 11.8629% | 1,947 |
| Core capital (leverage) ratio | 11.6512% | 1,943 |
| Tier 1 risk-based capital ratio | 14.1213% | 3,303 |
| Total risk-based capital ratio | 14.7673% | 3,518 |
| Memoranda: | ||
| Average total assets | $112,215,330 | 3,983 |
| Average earning assets | $102,361,000 | 4,012 |
| Average equity | $13,097,330 | 3,917 |
| Average total loans | $89,529,000 | 3,529 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0340% | 651 |
| Cost of funding earning assets | 0.2432% | 4,754 |
| Net interest margin | 4.7908% | 352 |
| Noninterest income to average assets | 0.6502% | 2,029 |
| Noninterest expense to average assets | 3.4182% | 1,133 |
| Loan and lease loss provision to assets | 0.1244% | 1,514 |
| Net operating income to assets | 1.1157% | 2,352 |
| Return on assets (ROA) | 1.1157% | 2,372 |
| Pretax return on assets | 1.5172% | 1,638 |
| Return on Equity (ROE) | 9.7018% | 2,584 |
| Retained earnings to average equity (ytd only) | 3.7077% | 3,713 |
| Net charge-offs to loans | -0.0636% | 5,072 |
| Credit loss provision to net charge-offs | -250.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5562% | 2,903 |
| Assets per employee ($millions) | 3.6302% | 4,503 |
| Cash dividends to net income (ytd only)* | 61.7834% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4882% | 5,344 |
| Loan loss allowance to noncurrent loans | 39.0681% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0726% | 1,453 |
| Noncurrent loans to loans | 1.2497% | 1,447 |
| Net loans and leases to total assets | 78.9674% | 1,087 |
| Net loans and leases to deposits | 89.9745% | 1,695 |
| Net loans and leases to core deposits | 95.4943% | 2,017 |
| Total domestic deposits to total assets | 87.7665% | 1,748 |
| Equity capital to assets | 11.5555% | 2,087 |
| Core capital (leverage) ratio | 11.5585% | 1,970 |
| Tier 1 risk-based capital ratio | 14.6602% | 3,047 |
| Total risk-based capital ratio | 15.1514% | 3,348 |
| Memoranda: | ||
| Average total assets | $112,573,000 | 4,019 |
| Average earning assets | $103,615,000 | 4,038 |
| Average equity | $12,946,000 | 3,978 |
| Average total loans | $88,119,000 | 3,586 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0435% | 596 |
| Cost of funding earning assets | 0.2749% | 4,367 |
| Net interest margin | 4.7686% | 374 |
| Noninterest income to average assets | 0.6036% | 2,428 |
| Noninterest expense to average assets | 3.4990% | 1,039 |
| Loan and lease loss provision to assets | 0.0893% | 2,403 |
| Net operating income to assets | 1.0380% | 2,098 |
| Return on assets (ROA) | 1.0329% | 2,145 |
| Pretax return on assets | 1.3585% | 2,130 |
| Return on Equity (ROE) | 9.4547% | 2,114 |
| Retained earnings to average equity (ytd only) | 6.9023% | 1,115 |
| Net charge-offs to loans | 0.0305% | 3,187 |
| Credit loss provision to net charge-offs | 403.8462% | 753 |
| Earnings coverage of net charge-offs (x) | 65.8077% | 891 |
| Efficiency ratio | 70.6367% | 2,451 |
| Assets per employee ($millions) | 3.4125% | 4,812 |
| Cash dividends to net income (ytd only)* | 26.9959% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4440% | 5,452 |
| Loan loss allowance to noncurrent loans | 62.4595% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 2,441 |
| Noncurrent loans to loans | 0.7109% | 2,428 |
| Net loans and leases to total assets | 76.8575% | 1,452 |
| Net loans and leases to deposits | 87.3828% | 2,090 |
| Net loans and leases to core deposits | 93.7277% | 2,217 |
| Total domestic deposits to total assets | 87.9550% | 1,530 |
| Equity capital to assets | 11.4447% | 2,239 |
| Core capital (leverage) ratio | 18.2609% | 277 |
| Tier 1 risk-based capital ratio | 15.8099% | 2,510 |
| Total risk-based capital ratio | 16.2831% | 2,764 |
| Memoranda: | ||
| Average total assets | $117,632,800 | 3,935 |
| Average earning assets | $107,305,800 | 3,960 |
| Average equity | $12,850,800 | 4,003 |
| Average total loans | $85,304,800 | 3,627 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 3,012 |
| Cost of funding earning assets | 0.3318% | 3,834 |
| Net interest margin | 3.7606% | 2,537 |
| Noninterest income to average assets | 0.4318% | 3,463 |
| Noninterest expense to average assets | 2.7601% | 2,861 |
| Loan and lease loss provision to assets | 0.2374% | 750 |
| Net operating income to assets | 0.5631% | 4,533 |
| Return on assets (ROA) | 0.5516% | 4,604 |
| Pretax return on assets | 0.8748% | 4,127 |
| Return on Equity (ROE) | 5.3259% | 4,401 |
| Retained earnings to average equity (ytd only) | -1.8335% | 5,418 |
| Net charge-offs to loans | 0.0158% | 3,201 |
| Credit loss provision to net charge-offs | 2,625.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 125.0750% | 609 |
| Efficiency ratio | 70.9471% | 2,374 |
| Assets per employee ($millions) | 4.0134% | 3,967 |
| Cash dividends to net income (ytd only)* | 134.4235% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 4,157 |
| Loan loss allowance to noncurrent loans | 361.0619% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 4,289 |
| Noncurrent loans to loans | 0.2727% | 3,975 |
| Net loans and leases to total assets | 73.0258% | 2,095 |
| Net loans and leases to deposits | 82.3502% | 2,737 |
| Net loans and leases to core deposits | 89.6696% | 2,637 |
| Total domestic deposits to total assets | 88.6771% | 1,025 |
| Equity capital to assets | 10.7783% | 3,086 |
| Core capital (leverage) ratio | 10.2324% | 3,274 |
| Tier 1 risk-based capital ratio | 15.4058% | 2,746 |
| Total risk-based capital ratio | 16.4454% | 2,770 |
| Memoranda: | ||
| Average total assets | $58,982,000 | 5,039 |
| Average earning assets | $54,244,750 | 5,043 |
| Average equity | $6,108,500 | 5,145 |
| Average total loans | $33,642,000 | 4,960 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 3,751 |
| Cost of funding earning assets | 0.3302% | 3,788 |
| Net interest margin | 3.5129% | 3,346 |
| Noninterest income to average assets | 0.4473% | 3,372 |
| Noninterest expense to average assets | 2.6605% | 3,235 |
| Loan and lease loss provision to assets | 0.1068% | 1,901 |
| Net operating income to assets | 0.6576% | 4,045 |
| Return on assets (ROA) | 0.6576% | 4,104 |
| Pretax return on assets | 0.9113% | 3,895 |
| Return on Equity (ROE) | 6.4316% | 3,859 |
| Retained earnings to average equity (ytd only) | -0.3918% | 5,143 |
| Net charge-offs to loans | -0.0451% | 5,130 |
| Credit loss provision to net charge-offs | -457.1429% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3230% | 2,287 |
| Assets per employee ($millions) | 4.2254% | 3,571 |
| Cash dividends to net income (ytd only)* | 106.0914% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 4,137 |
| Loan loss allowance to noncurrent loans | 290.7563% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 4,363 |
| Noncurrent loans to loans | 0.3444% | 3,807 |
| Net loans and leases to total assets | 57.8244% | 4,059 |
| Net loans and leases to deposits | 64.8307% | 4,314 |
| Net loans and leases to core deposits | 72.4872% | 4,056 |
| Total domestic deposits to total assets | 89.1928% | 860 |
| Equity capital to assets | 10.3508% | 3,509 |
| Core capital (leverage) ratio | 10.1858% | 3,295 |
| Tier 1 risk-based capital ratio | 17.0261% | 2,151 |
| Total risk-based capital ratio | 17.9890% | 2,183 |
| Memoranda: | ||
| Average total assets | $59,913,670 | 5,057 |
| Average earning assets | $55,111,330 | 5,064 |
| Average equity | $6,126,000 | 5,171 |
| Average total loans | $31,043,000 | 5,079 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 3,959 |
| Cost of funding earning assets | 0.3173% | 3,881 |
| Net interest margin | 3.4259% | 3,542 |
| Noninterest income to average assets | 0.4246% | 3,485 |
| Noninterest expense to average assets | 2.7466% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5971% | 4,173 |
| Return on assets (ROA) | 0.5971% | 4,223 |
| Pretax return on assets | 0.8293% | 4,008 |
| Return on Equity (ROE) | 5.8752% | 3,968 |
| Retained earnings to average equity (ytd only) | -1.8278% | 5,154 |
| Net charge-offs to loans | -0.0683% | 5,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8089% | 1,784 |
| Assets per employee ($millions) | 4.4101% | 3,310 |
| Cash dividends to net income (ytd only)* | 131.1111% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 4,205 |
| Loan loss allowance to noncurrent loans | 268.9655% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 4,498 |
| Noncurrent loans to loans | 0.3763% | 3,745 |
| Net loans and leases to total assets | 49.4169% | 4,720 |
| Net loans and leases to deposits | 55.1267% | 4,870 |
| Net loans and leases to core deposits | 60.9854% | 4,722 |
| Total domestic deposits to total assets | 89.6424% | 831 |
| Equity capital to assets | 9.9057% | 3,867 |
| Core capital (leverage) ratio | 10.1764% | 3,266 |
| Tier 1 risk-based capital ratio | 19.1688% | 1,571 |
| Total risk-based capital ratio | 20.1489% | 1,599 |
| Memoranda: | ||
| Average total assets | $60,293,000 | 5,107 |
| Average earning assets | $55,459,500 | 5,115 |
| Average equity | $6,127,500 | 5,216 |
| Average total loans | $29,288,500 | 5,183 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 2,504 |
| Cost of funding earning assets | 0.3388% | 3,644 |
| Net interest margin | 3.8560% | 2,111 |
| Noninterest income to average assets | 0.5863% | 2,733 |
| Noninterest expense to average assets | 3.4829% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6280% | 4,096 |
| Return on assets (ROA) | 0.6420% | 4,145 |
| Pretax return on assets | 0.6420% | 4,672 |
| Return on Equity (ROE) | 6.1979% | 3,887 |
| Retained earnings to average equity (ytd only) | 5.1062% | 2,279 |
| Net charge-offs to loans | 0.0771% | 2,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 15.6957% | 2,182 |
| Efficiency ratio | 84.7228% | 940 |
| Assets per employee ($millions) | 3.9229% | 4,111 |
| Cash dividends to net income (ytd only)* | 17.6152% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,675 |
| Loan loss allowance to noncurrent loans | 169.6133% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 4,044 |
| Noncurrent loans to loans | 0.6522% | 2,903 |
| Net loans and leases to total assets | 46.6437% | 4,975 |
| Net loans and leases to deposits | 52.4268% | 5,094 |
| Net loans and leases to core deposits | 55.9675% | 5,047 |
| Total domestic deposits to total assets | 88.9691% | 1,140 |
| Equity capital to assets | 10.4327% | 3,232 |
| Core capital (leverage) ratio | 10.5363% | 2,844 |
| Tier 1 risk-based capital ratio | 20.6495% | 1,268 |
| Total risk-based capital ratio | 21.6836% | 1,270 |
| Memoranda: | ||
| Average total assets | $57,481,000 | 5,200 |
| Average earning assets | $52,541,400 | 5,197 |
| Average equity | $5,953,600 | 5,288 |
| Average total loans | $29,825,000 | 5,191 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2294% | 2,418 |
| Cost of funding earning assets | 0.3399% | 3,654 |
| Net interest margin | 3.8895% | 2,014 |
| Noninterest income to average assets | 0.6253% | 2,548 |
| Noninterest expense to average assets | 3.5234% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6533% | 4,067 |
| Return on assets (ROA) | 0.6533% | 4,187 |
| Pretax return on assets | 0.6533% | 4,730 |
| Return on Equity (ROE) | 6.3197% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.8527% | 2,929 |
| Net charge-offs to loans | 0.0220% | 3,241 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 55.9700% | 1,006 |
| Efficiency ratio | 84.3575% | 962 |
| Assets per employee ($millions) | 3.7733% | 4,357 |
| Cash dividends to net income (ytd only)* | 23.2133% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 3,754 |
| Loan loss allowance to noncurrent loans | 129.4821% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4435% | 3,650 |
| Noncurrent loans to loans | 0.8616% | 2,532 |
| Net loans and leases to total assets | 50.8975% | 4,746 |
| Net loans and leases to deposits | 57.3876% | 4,911 |
| Net loans and leases to core deposits | 61.4361% | 4,861 |
| Total domestic deposits to total assets | 88.6908% | 1,054 |
| Equity capital to assets | 10.6449% | 3,413 |
| Core capital (leverage) ratio | 10.4478% | 3,049 |
| Tier 1 risk-based capital ratio | 23.1723% | 986 |
| Total risk-based capital ratio | 24.4207% | 968 |
| Memoranda: | ||
| Average total assets | $57,140,250 | 5,252 |
| Average earning assets | $52,173,500 | 5,254 |
| Average equity | $5,907,250 | 5,351 |
| Average total loans | $30,342,750 | 5,226 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 1,985 |
| Cost of funding earning assets | 0.3364% | 3,736 |
| Net interest margin | 4.0134% | 1,601 |
| Noninterest income to average assets | 0.6176% | 2,520 |
| Noninterest expense to average assets | 3.6008% | 1,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6804% | 3,895 |
| Return on assets (ROA) | 0.6804% | 4,038 |
| Pretax return on assets | 0.6804% | 4,677 |
| Return on Equity (ROE) | 6.6462% | 3,725 |
| Retained earnings to average equity (ytd only) | 4.4308% | 3,095 |
| Net charge-offs to loans | 0.0260% | 2,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 48.7500% | 1,010 |
| Efficiency ratio | 84.1076% | 1,042 |
| Assets per employee ($millions) | 3.6036% | 4,592 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 3,754 |
| Loan loss allowance to noncurrent loans | 131.9838% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 3,791 |
| Noncurrent loans to loans | 0.8594% | 2,590 |
| Net loans and leases to total assets | 49.2820% | 4,891 |
| Net loans and leases to deposits | 55.3456% | 5,057 |
| Net loans and leases to core deposits | 59.1511% | 5,015 |
| Total domestic deposits to total assets | 89.0440% | 897 |
| Equity capital to assets | 10.3611% | 3,777 |
| Core capital (leverage) ratio | 10.2597% | 3,261 |
| Tier 1 risk-based capital ratio | 22.9374% | 1,021 |
| Total risk-based capital ratio | 24.1871% | 1,003 |
| Memoranda: | ||
| Average total assets | $57,320,330 | 5,307 |
| Average earning assets | $52,325,330 | 5,306 |
| Average equity | $5,868,000 | 5,410 |
| Average total loans | $30,746,000 | 5,275 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7606% | 924 |
| Cost of funding earning assets | 0.3368% | 3,762 |
| Net interest margin | 4.4239% | 702 |
| Noninterest income to average assets | 0.5459% | 2,833 |
| Noninterest expense to average assets | 3.4715% | 1,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1198% | 1,833 |
| Return on assets (ROA) | 1.1198% | 1,932 |
| Pretax return on assets | 1.1198% | 3,016 |
| Return on Equity (ROE) | 11.0060% | 1,597 |
| Retained earnings to average equity (ytd only) | 6.5348% | 2,118 |
| Net charge-offs to loans | -0.0126% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6098% | 2,229 |
| Assets per employee ($millions) | 3.5940% | 4,659 |
| Cash dividends to net income (ytd only)* | 40.6250% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 4,404 |
| Loan loss allowance to noncurrent loans | 24.2847% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 2.5250% | 584 |
| Noncurrent loans to loans | 4.2701% | 268 |
| Net loans and leases to total assets | 54.9336% | 4,362 |
| Net loans and leases to deposits | 61.6924% | 4,599 |
| Net loans and leases to core deposits | 66.3286% | 4,516 |
| Total domestic deposits to total assets | 89.0442% | 1,076 |
| Equity capital to assets | 10.2515% | 3,791 |
| Core capital (leverage) ratio | 10.2225% | 3,292 |
| Tier 1 risk-based capital ratio | 27.3749% | 648 |
| Total risk-based capital ratio | 28.6258% | 635 |
| Memoranda: | ||
| Average total assets | $57,151,500 | 5,361 |
| Average earning assets | $52,262,000 | 5,358 |
| Average equity | $5,815,000 | 5,450 |
| Average total loans | $31,748,500 | 5,276 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 1,054 |
| Cost of funding earning assets | 0.3732% | 3,448 |
| Net interest margin | 4.3537% | 870 |
| Noninterest income to average assets | 0.6276% | 2,576 |
| Noninterest expense to average assets | 3.5845% | 1,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0382% | 2,179 |
| Return on assets (ROA) | 1.0579% | 2,174 |
| Pretax return on assets | 1.0579% | 3,234 |
| Return on Equity (ROE) | 10.3734% | 1,854 |
| Retained earnings to average equity (ytd only) | 4.5538% | 2,743 |
| Net charge-offs to loans | 0.0475% | 3,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 41.3571% | 1,144 |
| Efficiency ratio | 77.5407% | 2,044 |
| Assets per employee ($millions) | 3.5499% | 4,727 |
| Cash dividends to net income (ytd only)* | 56.1017% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 4,348 |
| Loan loss allowance to noncurrent loans | 120.4380% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 3,291 |
| Noncurrent loans to loans | 0.8677% | 2,618 |
| Net loans and leases to total assets | 55.0133% | 4,389 |
| Net loans and leases to deposits | 61.5935% | 4,663 |
| Net loans and leases to core deposits | 66.2616% | 4,571 |
| Total domestic deposits to total assets | 89.3167% | 954 |
| Equity capital to assets | 10.0970% | 3,861 |
| Core capital (leverage) ratio | 9.9949% | 3,518 |
| Tier 1 risk-based capital ratio | 26.9070% | 673 |
| Total risk-based capital ratio | 28.1572% | 655 |
| Memoranda: | ||
| Average total assets | $55,768,600 | 5,414 |
| Average earning assets | $51,174,600 | 5,406 |
| Average equity | $5,687,600 | 5,506 |
| Average total loans | $29,444,000 | 5,380 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6601% | 1,184 |
| Cost of funding earning assets | 0.3790% | 3,450 |
| Net interest margin | 4.2812% | 997 |
| Noninterest income to average assets | 0.6509% | 2,476 |
| Noninterest expense to average assets | 3.5908% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9944% | 2,499 |
| Return on assets (ROA) | 1.0208% | 2,468 |
| Pretax return on assets | 1.0208% | 3,535 |
| Return on Equity (ROE) | 9.9837% | 2,111 |
| Retained earnings to average equity (ytd only) | 7.6112% | 1,413 |
| Net charge-offs to loans | 0.0231% | 3,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 82.7571% | 724 |
| Efficiency ratio | 78.3133% | 1,908 |
| Assets per employee ($millions) | 3.4106% | 4,963 |
| Cash dividends to net income (ytd only)* | 23.7642% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 4,536 |
| Loan loss allowance to noncurrent loans | 97.9769% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 3,358 |
| Noncurrent loans to loans | 1.0598% | 2,360 |
| Net loans and leases to total assets | 59.2094% | 3,979 |
| Net loans and leases to deposits | 66.8709% | 4,290 |
| Net loans and leases to core deposits | 71.7569% | 4,210 |
| Total domestic deposits to total assets | 88.5429% | 1,277 |
| Equity capital to assets | 10.7863% | 3,256 |
| Core capital (leverage) ratio | 10.6108% | 2,916 |
| Tier 1 risk-based capital ratio | 26.9208% | 695 |
| Total risk-based capital ratio | 28.1710% | 671 |
| Memoranda: | ||
| Average total assets | $55,511,000 | 5,488 |
| Average earning assets | $51,012,750 | 5,485 |
| Average equity | $5,675,750 | 5,579 |
| Average total loans | $28,910,750 | 5,471 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 1,459 |
| Cost of funding earning assets | 0.3814% | 3,470 |
| Net interest margin | 4.1453% | 1,237 |
| Noninterest income to average assets | 0.5983% | 2,751 |
| Noninterest expense to average assets | 3.5862% | 1,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8276% | 3,229 |
| Return on assets (ROA) | 0.8276% | 3,342 |
| Pretax return on assets | 0.8276% | 4,217 |
| Return on Equity (ROE) | 8.2417% | 2,918 |
| Retained earnings to average equity (ytd only) | 6.6718% | 1,863 |
| Net charge-offs to loans | 0.0434% | 2,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 1,156 |
| Efficiency ratio | 81.2500% | 1,591 |
| Assets per employee ($millions) | 3.8039% | 4,251 |
| Cash dividends to net income (ytd only)* | 19.0476% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 3,924 |
| Loan loss allowance to noncurrent loans | 122.3827% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4855% | 3,997 |
| Noncurrent loans to loans | 0.9623% | 2,724 |
| Net loans and leases to total assets | 49.8537% | 4,945 |
| Net loans and leases to deposits | 55.7940% | 5,131 |
| Net loans and leases to core deposits | 59.6377% | 5,094 |
| Total domestic deposits to total assets | 89.3531% | 976 |
| Equity capital to assets | 10.0054% | 4,034 |
| Core capital (leverage) ratio | 10.0910% | 3,475 |
| Tier 1 risk-based capital ratio | 20.5795% | 1,435 |
| Total risk-based capital ratio | 21.8134% | 1,416 |
| Memoranda: | ||
| Average total assets | $55,825,000 | 5,540 |
| Average earning assets | $51,383,330 | 5,529 |
| Average equity | $5,605,670 | 5,642 |
| Average total loans | $27,664,670 | 5,572 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 1,506 |
| Cost of funding earning assets | 0.3940% | 3,372 |
| Net interest margin | 4.0899% | 1,307 |
| Noninterest income to average assets | 0.6376% | 2,461 |
| Noninterest expense to average assets | 3.6372% | 1,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7608% | 3,479 |
| Return on assets (ROA) | 0.7608% | 3,617 |
| Pretax return on assets | 0.7608% | 4,388 |
| Return on Equity (ROE) | 7.5621% | 3,186 |
| Retained earnings to average equity (ytd only) | 5.8336% | 2,590 |
| Net charge-offs to loans | 0.0885% | 1,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,520 |
| Efficiency ratio | 82.7018% | 1,537 |
| Assets per employee ($millions) | 2.9561% | 5,723 |
| Cash dividends to net income (ytd only)* | 22.8571% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 3,543 |
| Loan loss allowance to noncurrent loans | 75.2784% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7994% | 3,114 |
| Noncurrent loans to loans | 1.6952% | 1,623 |
| Net loans and leases to total assets | 46.5557% | 5,159 |
| Net loans and leases to deposits | 52.1562% | 5,323 |
| Net loans and leases to core deposits | 56.1743% | 5,243 |
| Total domestic deposits to total assets | 89.2620% | 1,108 |
| Equity capital to assets | 10.0294% | 4,116 |
| Core capital (leverage) ratio | 10.0679% | 3,513 |
| Tier 1 risk-based capital ratio | 20.5818% | 1,514 |
| Total risk-based capital ratio | 21.8285% | 1,478 |
| Memoranda: | ||
| Average total assets | $55,208,000 | 5,612 |
| Average earning assets | $50,759,000 | 5,603 |
| Average equity | $5,554,000 | 5,703 |
| Average total loans | $27,104,500 | 5,634 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6496% | 1,422 |
| Cost of funding earning assets | 0.4384% | 3,295 |
| Net interest margin | 4.2111% | 1,264 |
| Noninterest income to average assets | 0.5535% | 3,157 |
| Noninterest expense to average assets | 3.5079% | 1,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8801% | 2,972 |
| Return on assets (ROA) | 0.8910% | 3,004 |
| Pretax return on assets | 0.8910% | 3,935 |
| Return on Equity (ROE) | 8.9292% | 2,627 |
| Retained earnings to average equity (ytd only) | 2.0914% | 4,732 |
| Net charge-offs to loans | 0.0462% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 37.3077% | 1,148 |
| Efficiency ratio | 79.9421% | 1,938 |
| Assets per employee ($millions) | 3.6167% | 4,691 |
| Cash dividends to net income (ytd only)* | 76.5784% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 3,765 |
| Loan loss allowance to noncurrent loans | 30.7968% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 2.0589% | 1,211 |
| Noncurrent loans to loans | 4.0291% | 457 |
| Net loans and leases to total assets | 50.4673% | 4,924 |
| Net loans and leases to deposits | 56.5740% | 5,147 |
| Net loans and leases to core deposits | 60.6898% | 5,086 |
| Total domestic deposits to total assets | 89.2057% | 1,119 |
| Equity capital to assets | 10.0920% | 3,993 |
| Core capital (leverage) ratio | 10.0476% | 3,505 |
| Tier 1 risk-based capital ratio | 19.6097% | 1,678 |
| Total risk-based capital ratio | 20.7864% | 1,679 |
| Memoranda: | ||
| Average total assets | $55,104,600 | 5,674 |
| Average earning assets | $50,176,800 | 5,673 |
| Average equity | $5,498,800 | 5,742 |
| Average total loans | $28,166,800 | 5,644 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 1,557 |
| Cost of funding earning assets | 0.4506% | 3,240 |
| Net interest margin | 4.1510% | 1,428 |
| Noninterest income to average assets | 0.5785% | 3,004 |
| Noninterest expense to average assets | 3.5286% | 1,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8243% | 3,317 |
| Return on assets (ROA) | 0.8364% | 3,341 |
| Pretax return on assets | 0.8364% | 4,229 |
| Return on Equity (ROE) | 8.4047% | 2,985 |
| Retained earnings to average equity (ytd only) | 6.5638% | 2,063 |
| Net charge-offs to loans | 0.0047% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 342.8496% | 204 |
| Efficiency ratio | 81.0631% | 1,749 |
| Assets per employee ($millions) | 2.9769% | 5,751 |
| Cash dividends to net income (ytd only)* | 21.9016% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 4,270 |
| Loan loss allowance to noncurrent loans | 115.9609% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 4,129 |
| Noncurrent loans to loans | 1.0289% | 3,014 |
| Net loans and leases to total assets | 55.0191% | 4,461 |
| Net loans and leases to deposits | 62.0543% | 4,736 |
| Net loans and leases to core deposits | 66.6516% | 4,647 |
| Total domestic deposits to total assets | 88.6629% | 1,417 |
| Equity capital to assets | 10.5421% | 3,506 |
| Core capital (leverage) ratio | 10.4891% | 3,057 |
| Tier 1 risk-based capital ratio | 18.5150% | 2,044 |
| Total risk-based capital ratio | 19.6576% | 2,047 |
| Memoranda: | ||
| Average total assets | $55,318,000 | 5,729 |
| Average earning assets | $50,299,750 | 5,723 |
| Average equity | $5,504,750 | 5,799 |
| Average total loans | $28,277,750 | 5,692 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 2,158 |
| Cost of funding earning assets | 0.4524% | 3,302 |
| Net interest margin | 3.9539% | 1,952 |
| Noninterest income to average assets | 0.5188% | 3,347 |
| Noninterest expense to average assets | 3.4564% | 1,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6584% | 4,054 |
| Return on assets (ROA) | 0.6655% | 4,117 |
| Pretax return on assets | 0.6655% | 4,751 |
| Return on Equity (ROE) | 6.8173% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.8173% | 1,857 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0000% | 1,515 |
| Assets per employee ($millions) | 3.5709% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 4,087 |
| Loan loss allowance to noncurrent loans | 114.7910% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 4,357 |
| Noncurrent loans to loans | 1.0976% | 3,032 |
| Net loans and leases to total assets | 48.9682% | 5,084 |
| Net loans and leases to deposits | 54.6958% | 5,306 |
| Net loans and leases to core deposits | 58.4348% | 5,239 |
| Total domestic deposits to total assets | 89.5283% | 1,071 |
| Equity capital to assets | 9.7698% | 4,405 |
| Core capital (leverage) ratio | 9.9915% | 3,621 |
| Tier 1 risk-based capital ratio | 18.4296% | 2,092 |
| Total risk-based capital ratio | 19.6013% | 2,077 |
| Memoranda: | ||
| Average total assets | $55,895,670 | 5,763 |
| Average earning assets | $50,836,000 | 5,760 |
| Average equity | $5,456,670 | 5,848 |
| Average total loans | $27,757,670 | 5,761 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3981% | 2,144 |
| Cost of funding earning assets | 0.4621% | 3,290 |
| Net interest margin | 3.9360% | 1,964 |
| Noninterest income to average assets | 0.5644% | 2,957 |
| Noninterest expense to average assets | 3.7702% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3691% | 5,238 |
| Return on assets (ROA) | 0.3763% | 5,274 |
| Pretax return on assets | 0.3763% | 5,522 |
| Return on Equity (ROE) | 3.8561% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.8561% | 3,809 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0839% | 943 |
| Assets per employee ($millions) | 3.2473% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 3,964 |
| Loan loss allowance to noncurrent loans | 112.9747% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 4,430 |
| Noncurrent loans to loans | 1.1764% | 3,083 |
| Net loans and leases to total assets | 48.0110% | 5,129 |
| Net loans and leases to deposits | 53.6768% | 5,318 |
| Net loans and leases to core deposits | 57.3791% | 5,247 |
| Total domestic deposits to total assets | 89.4446% | 1,397 |
| Equity capital to assets | 9.8236% | 4,070 |
| Core capital (leverage) ratio | 9.9059% | 3,704 |
| Tier 1 risk-based capital ratio | 20.4288% | 1,607 |
| Total risk-based capital ratio | 21.5933% | 1,599 |
| Memoranda: | ||
| Average total assets | $55,276,000 | 5,834 |
| Average earning assets | $50,203,500 | 5,835 |
| Average equity | $5,394,000 | 5,899 |
| Average total loans | $27,469,000 | 5,829 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6291% | 300 |
| Cost of funding earning assets | 0.5374% | 3,220 |
| Net interest margin | 5.0917% | 264 |
| Noninterest income to average assets | 0.5559% | 3,363 |
| Noninterest expense to average assets | 3.7689% | 1,186 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3822% | 1,064 |
| Return on assets (ROA) | 1.3841% | 1,098 |
| Pretax return on assets | 1.3841% | 1,850 |
| Return on Equity (ROE) | 13.8516% | 980 |
| Retained earnings to average equity (ytd only) | 4.4509% | 3,007 |
| Net charge-offs to loans | 0.0743% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 32.7727% | 1,095 |
| Efficiency ratio | 73.1671% | 3,265 |
| Assets per employee ($millions) | 3.6899% | 4,505 |
| Cash dividends to net income (ytd only)* | 67.8670% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 4,285 |
| Loan loss allowance to noncurrent loans | 163.7615% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 5,072 |
| Noncurrent loans to loans | 0.7764% | 4,026 |
| Net loans and leases to total assets | 50.0831% | 5,076 |
| Net loans and leases to deposits | 56.0702% | 5,298 |
| Net loans and leases to core deposits | 59.9274% | 5,225 |
| Total domestic deposits to total assets | 89.3221% | 1,422 |
| Equity capital to assets | 9.6932% | 4,171 |
| Core capital (leverage) ratio | 9.8952% | 3,715 |
| Tier 1 risk-based capital ratio | 19.0870% | 1,893 |
| Total risk-based capital ratio | 20.2710% | 1,874 |
| Memoranda: | ||
| Average total assets | $52,163,200 | 5,964 |
| Average earning assets | $47,077,000 | 5,964 |
| Average equity | $5,212,400 | 6,015 |
| Average total loans | $29,601,200 | 5,779 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8910% | 207 |
| Cost of funding earning assets | 0.5405% | 3,356 |
| Net interest margin | 5.3505% | 178 |
| Noninterest income to average assets | 0.5892% | 3,226 |
| Noninterest expense to average assets | 3.6495% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7702% | 565 |
| Return on assets (ROA) | 1.7702% | 588 |
| Pretax return on assets | 1.7702% | 962 |
| Return on Equity (ROE) | 17.5738% | 480 |
| Retained earnings to average equity (ytd only) | 6.8800% | 1,935 |
| Net charge-offs to loans | 0.0978% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 31.0027% | 1,209 |
| Efficiency ratio | 67.3372% | 4,227 |
| Assets per employee ($millions) | 3.0808% | 5,715 |
| Cash dividends to net income (ytd only)* | 60.8505% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 5,102 |
| Loan loss allowance to noncurrent loans | 160.8108% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 5,155 |
| Noncurrent loans to loans | 0.7176% | 4,417 |
| Net loans and leases to total assets | 58.3889% | 3,944 |
| Net loans and leases to deposits | 65.5099% | 4,353 |
| Net loans and leases to core deposits | 70.2956% | 4,294 |
| Total domestic deposits to total assets | 89.1299% | 1,494 |
| Equity capital to assets | 10.0911% | 3,779 |
| Core capital (leverage) ratio | 10.1699% | 3,442 |
| Tier 1 risk-based capital ratio | 17.5567% | 2,489 |
| Total risk-based capital ratio | 18.7433% | 2,477 |
| Memoranda: | ||
| Average total assets | $51,367,000 | 6,050 |
| Average earning assets | $46,374,750 | 6,042 |
| Average equity | $5,174,250 | 6,097 |
| Average total loans | $29,982,250 | 5,817 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1929% | 131 |
| Cost of funding earning assets | 0.5355% | 3,544 |
| Net interest margin | 5.6574% | 112 |
| Noninterest income to average assets | 0.4821% | 3,951 |
| Noninterest expense to average assets | 3.6879% | 1,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9282% | 401 |
| Return on assets (ROA) | 1.9282% | 434 |
| Pretax return on assets | 1.9282% | 704 |
| Return on Equity (ROE) | 19.1539% | 371 |
| Retained earnings to average equity (ytd only) | 6.8907% | 1,935 |
| Net charge-offs to loans | 0.0067% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 492.0000% | 94 |
| Efficiency ratio | 65.6664% | 4,608 |
| Assets per employee ($millions) | 2.8827% | 6,047 |
| Cash dividends to net income (ytd only)* | 64.0244% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 4,840 |
| Loan loss allowance to noncurrent loans | 1,145.4545% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 6,311 |
| Noncurrent loans to loans | 0.1073% | 6,074 |
| Net loans and leases to total assets | 58.5673% | 3,893 |
| Net loans and leases to deposits | 65.6414% | 4,310 |
| Net loans and leases to core deposits | 70.4728% | 4,219 |
| Total domestic deposits to total assets | 89.2231% | 1,495 |
| Equity capital to assets | 9.9886% | 3,930 |
| Core capital (leverage) ratio | 10.0396% | 3,456 |
| Tier 1 risk-based capital ratio | 17.6625% | 2,455 |
| Total risk-based capital ratio | 18.8466% | 2,445 |
| Memoranda: | ||
| Average total assets | $51,031,670 | 6,100 |
| Average earning assets | $46,311,000 | 6,090 |
| Average equity | $5,137,330 | 6,147 |
| Average total loans | $29,664,000 | 5,860 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1480% | 682 |
| Cost of funding earning assets | 0.5314% | 3,764 |
| Net interest margin | 4.6167% | 547 |
| Noninterest income to average assets | 0.4585% | 4,063 |
| Noninterest expense to average assets | 3.7389% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9090% | 2,604 |
| Return on assets (ROA) | 0.9090% | 2,758 |
| Pretax return on assets | 0.9090% | 3,721 |
| Return on Equity (ROE) | 8.9940% | 2,493 |
| Retained earnings to average equity (ytd only) | 5.4746% | 2,966 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4422% | 2,263 |
| Assets per employee ($millions) | 3.1878% | 5,655 |
| Cash dividends to net income (ytd only)* | 39.1304% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 4,631 |
| Loan loss allowance to noncurrent loans | 27.3449% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 2.7174% | 1,670 |
| Noncurrent loans to loans | 4.8010% | 818 |
| Net loans and leases to total assets | 55.8573% | 4,107 |
| Net loans and leases to deposits | 62.7464% | 4,449 |
| Net loans and leases to core deposits | 67.0511% | 4,410 |
| Total domestic deposits to total assets | 89.0207% | 1,670 |
| Equity capital to assets | 10.0951% | 4,022 |
| Core capital (leverage) ratio | 10.1216% | 3,249 |
| Tier 1 risk-based capital ratio | 18.0100% | 2,354 |
| Total risk-based capital ratio | 19.2320% | 2,337 |
| Memoranda: | ||
| Average total assets | $50,603,000 | 6,170 |
| Average earning assets | $45,920,500 | 6,161 |
| Average equity | $5,114,500 | 6,213 |
| Average total loans | $29,112,000 | 5,926 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5201% | 598 |
| Cost of funding earning assets | 0.6184% | 4,190 |
| Net interest margin | 4.9017% | 446 |
| Noninterest income to average assets | 0.5998% | 3,279 |
| Noninterest expense to average assets | 3.9642% | 1,014 |
| Loan and lease loss provision to assets | 0.1294% | 3,999 |
| Net operating income to assets | 0.9510% | 2,540 |
| Return on assets (ROA) | 0.9469% | 2,822 |
| Pretax return on assets | 0.9469% | 3,758 |
| Return on Equity (ROE) | 8.9902% | 2,638 |
| Retained earnings to average equity (ytd only) | 1.2871% | 5,227 |
| Net charge-offs to loans | 0.0036% | 5,933 |
| Credit loss provision to net charge-offs | 6,300.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 526.0000% | 78 |
| Efficiency ratio | 78.5831% | 2,348 |
| Assets per employee ($millions) | 3.1376% | 5,771 |
| Cash dividends to net income (ytd only)* | 85.6833% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 4,678 |
| Loan loss allowance to noncurrent loans | 39.8528% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 1.8944% | 2,576 |
| Noncurrent loans to loans | 3.2397% | 1,593 |
| Net loans and leases to total assets | 57.7200% | 4,027 |
| Net loans and leases to deposits | 64.8204% | 4,452 |
| Net loans and leases to core deposits | 69.3239% | 4,395 |
| Total domestic deposits to total assets | 89.0460% | 1,529 |
| Equity capital to assets | 10.1193% | 4,012 |
| Core capital (leverage) ratio | 10.1297% | 3,236 |
| Tier 1 risk-based capital ratio | 16.9641% | 2,674 |
| Total risk-based capital ratio | 18.1686% | 2,651 |
| Memoranda: | ||
| Average total assets | $48,685,600 | 6,249 |
| Average earning assets | $44,148,000 | 6,233 |
| Average equity | $5,127,800 | 6,261 |
| Average total loans | $27,940,800 | 6,039 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4067% | 826 |
| Cost of funding earning assets | 0.6386% | 4,293 |
| Net interest margin | 4.7681% | 590 |
| Noninterest income to average assets | 0.6155% | 3,183 |
| Noninterest expense to average assets | 3.8751% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0682% | 2,224 |
| Return on assets (ROA) | 1.0626% | 2,457 |
| Pretax return on assets | 1.0626% | 3,493 |
| Return on Equity (ROE) | 9.9873% | 2,353 |
| Retained earnings to average equity (ytd only) | 5.5773% | 2,983 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3920% | 2,342 |
| Assets per employee ($millions) | 3.1460% | 5,742 |
| Cash dividends to net income (ytd only)* | 44.1557% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 5,825 |
| Loan loss allowance to noncurrent loans | 32.8497% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 2.0449% | 2,588 |
| Noncurrent loans to loans | 3.2580% | 1,691 |
| Net loans and leases to total assets | 62.0937% | 3,359 |
| Net loans and leases to deposits | 70.5375% | 3,825 |
| Net loans and leases to core deposits | 75.8176% | 3,750 |
| Total domestic deposits to total assets | 88.0292% | 2,030 |
| Equity capital to assets | 11.0913% | 3,163 |
| Core capital (leverage) ratio | 10.7519% | 2,652 |
| Tier 1 risk-based capital ratio | 17.9931% | 2,351 |
| Total risk-based capital ratio | 19.1010% | 2,374 |
| Memoranda: | ||
| Average total assets | $48,306,750 | 6,332 |
| Average earning assets | $43,845,750 | 6,316 |
| Average equity | $5,139,750 | 6,326 |
| Average total loans | $27,587,250 | 6,128 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1860% | 1,295 |
| Cost of funding earning assets | 0.6426% | 4,507 |
| Net interest margin | 4.5434% | 919 |
| Noninterest income to average assets | 0.5505% | 3,580 |
| Noninterest expense to average assets | 3.6854% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9902% | 2,511 |
| Return on assets (ROA) | 0.9902% | 2,740 |
| Pretax return on assets | 0.9902% | 3,740 |
| Return on Equity (ROE) | 9.4356% | 2,600 |
| Retained earnings to average equity (ytd only) | 6.6949% | 2,275 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8225% | 2,349 |
| Assets per employee ($millions) | 2.8703% | 6,284 |
| Cash dividends to net income (ytd only)* | 29.0456% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 5,746 |
| Loan loss allowance to noncurrent loans | 21.8169% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 2.9778% | 1,850 |
| Noncurrent loans to loans | 5.0742% | 958 |
| Net loans and leases to total assets | 58.0346% | 4,152 |
| Net loans and leases to deposits | 65.5100% | 4,574 |
| Net loans and leases to core deposits | 70.1879% | 4,519 |
| Total domestic deposits to total assets | 88.5890% | 1,763 |
| Equity capital to assets | 10.6097% | 3,560 |
| Core capital (leverage) ratio | 10.3953% | 2,925 |
| Tier 1 risk-based capital ratio | 17.2911% | 2,550 |
| Total risk-based capital ratio | 18.3651% | 2,584 |
| Memoranda: | ||
| Average total assets | $48,679,000 | 6,359 |
| Average earning assets | $44,196,000 | 6,344 |
| Average equity | $5,108,330 | 6,366 |
| Average total loans | $26,910,000 | 6,213 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1567% | 1,410 |
| Cost of funding earning assets | 0.6616% | 4,622 |
| Net interest margin | 4.4951% | 1,018 |
| Noninterest income to average assets | 0.5759% | 3,371 |
| Noninterest expense to average assets | 3.6116% | 1,538 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0448% | 2,307 |
| Return on assets (ROA) | 1.0448% | 2,499 |
| Pretax return on assets | 1.0448% | 3,520 |
| Return on Equity (ROE) | 10.0118% | 2,401 |
| Retained earnings to average equity (ytd only) | 6.8585% | 2,500 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5618% | 2,558 |
| Assets per employee ($millions) | 2.8625% | 6,414 |
| Cash dividends to net income (ytd only)* | 31.4961% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 5,447 |
| Loan loss allowance to noncurrent loans | 36.2700% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 1.7960% | 3,177 |
| Noncurrent loans to loans | 3.3298% | 1,911 |
| Net loans and leases to total assets | 53.2869% | 4,837 |
| Net loans and leases to deposits | 60.1201% | 5,132 |
| Net loans and leases to core deposits | 64.0145% | 5,110 |
| Total domestic deposits to total assets | 88.6341% | 1,934 |
| Equity capital to assets | 10.4885% | 3,503 |
| Core capital (leverage) ratio | 10.4592% | 2,797 |
| Tier 1 risk-based capital ratio | 18.3258% | 2,197 |
| Total risk-based capital ratio | 19.4831% | 2,192 |
| Memoranda: | ||
| Average total assets | $48,621,000 | 6,413 |
| Average earning assets | $44,136,500 | 6,395 |
| Average equity | $5,074,000 | 6,405 |
| Average total loans | $26,047,500 | 6,306 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3615% | 1,527 |
| Cost of funding earning assets | 0.8623% | 4,375 |
| Net interest margin | 4.4992% | 1,137 |
| Noninterest income to average assets | 0.5902% | 3,219 |
| Noninterest expense to average assets | 3.7339% | 1,470 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9181% | 2,533 |
| Return on assets (ROA) | 0.9181% | 2,647 |
| Pretax return on assets | 0.9181% | 3,552 |
| Return on Equity (ROE) | 9.4102% | 2,283 |
| Retained earnings to average equity (ytd only) | 4.5100% | 2,967 |
| Net charge-offs to loans | 0.0071% | 6,333 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 217.0000% | 154 |
| Efficiency ratio | 80.2638% | 2,268 |
| Assets per employee ($millions) | 3.0362% | 6,014 |
| Cash dividends to net income (ytd only)* | 52.0737% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 5,268 |
| Loan loss allowance to noncurrent loans | 26.5050% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 2.4620% | 2,476 |
| Noncurrent loans to loans | 4.6272% | 1,278 |
| Net loans and leases to total assets | 52.5536% | 5,227 |
| Net loans and leases to deposits | 59.1534% | 5,580 |
| Net loans and leases to core deposits | 63.7804% | 5,487 |
| Total domestic deposits to total assets | 88.8429% | 1,642 |
| Equity capital to assets | 10.3831% | 3,681 |
| Core capital (leverage) ratio | 10.1078% | 3,217 |
| Tier 1 risk-based capital ratio | 19.4680% | 1,776 |
| Total risk-based capital ratio | 20.7190% | 1,740 |
| Memoranda: | ||
| Average total assets | $47,269,800 | 6,448 |
| Average earning assets | $42,674,600 | 6,434 |
| Average equity | $4,612,000 | 6,556 |
| Average total loans | $28,340,600 | 6,235 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4401% | 1,407 |
| Cost of funding earning assets | 0.9041% | 4,368 |
| Net interest margin | 4.5361% | 1,076 |
| Noninterest income to average assets | 0.5965% | 3,188 |
| Noninterest expense to average assets | 3.7492% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9373% | 2,580 |
| Return on assets (ROA) | 0.9373% | 2,744 |
| Pretax return on assets | 0.9373% | 3,630 |
| Return on Equity (ROE) | 9.7689% | 2,290 |
| Retained earnings to average equity (ytd only) | 6.9270% | 2,012 |
| Net charge-offs to loans | -0.1289% | 7,203 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,257 |
| Assets per employee ($millions) | 2.9617% | 6,206 |
| Cash dividends to net income (ytd only)* | 29.0916% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 5,158 |
| Loan loss allowance to noncurrent loans | 28.1199% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 2.6041% | 2,480 |
| Noncurrent loans to loans | 4.5092% | 1,432 |
| Net loans and leases to total assets | 57.0177% | 4,681 |
| Net loans and leases to deposits | 63.8023% | 5,197 |
| Net loans and leases to core deposits | 68.8716% | 5,077 |
| Total domestic deposits to total assets | 89.3663% | 1,215 |
| Equity capital to assets | 9.8002% | 4,619 |
| Core capital (leverage) ratio | 9.5992% | 3,992 |
| Tier 1 risk-based capital ratio | 16.4599% | 2,885 |
| Total risk-based capital ratio | 17.6895% | 2,856 |
| Memoranda: | ||
| Average total assets | $46,942,500 | 6,513 |
| Average earning assets | $42,326,250 | 6,507 |
| Average equity | $4,504,000 | 6,636 |
| Average total loans | $28,964,000 | 6,263 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3382% | 1,751 |
| Cost of funding earning assets | 0.9485% | 4,331 |
| Net interest margin | 4.3897% | 1,397 |
| Noninterest income to average assets | 0.5813% | 3,255 |
| Noninterest expense to average assets | 3.7013% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8163% | 3,005 |
| Return on assets (ROA) | 0.8163% | 3,123 |
| Pretax return on assets | 0.8163% | 3,963 |
| Return on Equity (ROE) | 8.5702% | 2,692 |
| Retained earnings to average equity (ytd only) | 6.7754% | 1,977 |
| Net charge-offs to loans | -0.2644% | 7,335 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9300% | 2,109 |
| Assets per employee ($millions) | 3.0291% | 6,021 |
| Cash dividends to net income (ytd only)* | 20.9424% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 5,541 |
| Loan loss allowance to noncurrent loans | 18.7631% | 6,756 |
| Noncurrent assets plus other real estate owned to assets | 3.9369% | 1,638 |
| Noncurrent loans to loans | 6.3995% | 887 |
| Net loans and leases to total assets | 60.7799% | 4,130 |
| Net loans and leases to deposits | 67.6504% | 4,763 |
| Net loans and leases to core deposits | 72.8412% | 4,732 |
| Total domestic deposits to total assets | 89.8442% | 1,050 |
| Equity capital to assets | 9.3758% | 5,026 |
| Core capital (leverage) ratio | 9.4259% | 4,068 |
| Tier 1 risk-based capital ratio | 15.5565% | 3,212 |
| Total risk-based capital ratio | 16.8063% | 3,161 |
| Memoranda: | ||
| Average total assets | $46,794,330 | 6,570 |
| Average earning assets | $41,961,670 | 6,572 |
| Average equity | $4,457,330 | 6,693 |
| Average total loans | $29,496,670 | 6,310 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9235% | 566 |
| Cost of funding earning assets | 0.9856% | 4,302 |
| Net interest margin | 4.9379% | 428 |
| Noninterest income to average assets | 0.5918% | 3,229 |
| Noninterest expense to average assets | 3.8382% | 1,275 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1576% | 1,634 |
| Return on assets (ROA) | 1.1576% | 1,688 |
| Pretax return on assets | 1.1576% | 2,523 |
| Return on Equity (ROE) | 12.0526% | 1,445 |
| Retained earnings to average equity (ytd only) | 8.4277% | 1,579 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8293% | 3,008 |
| Assets per employee ($millions) | 3.1191% | 5,905 |
| Cash dividends to net income (ytd only)* | 30.0752% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 6,135 |
| Loan loss allowance to noncurrent loans | 24.7095% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 2.7593% | 2,503 |
| Noncurrent loans to loans | 4.3516% | 1,624 |
| Net loans and leases to total assets | 62.7268% | 3,712 |
| Net loans and leases to deposits | 69.9461% | 4,347 |
| Net loans and leases to core deposits | 75.0204% | 4,426 |
| Total domestic deposits to total assets | 89.6788% | 1,373 |
| Equity capital to assets | 9.5133% | 4,418 |
| Core capital (leverage) ratio | 9.5194% | 3,777 |
| Tier 1 risk-based capital ratio | 16.5425% | 2,646 |
| Total risk-based capital ratio | 17.7427% | 2,639 |
| Memoranda: | ||
| Average total assets | $45,959,000 | 6,640 |
| Average earning assets | $40,989,000 | 6,648 |
| Average equity | $4,414,000 | 6,737 |
| Average total loans | $29,337,500 | 6,365 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7611% | 213 |
| Cost of funding earning assets | 1.1396% | 4,913 |
| Net interest margin | 5.6215% | 146 |
| Noninterest income to average assets | 0.6542% | 3,124 |
| Noninterest expense to average assets | 4.2479% | 860 |
| Loan and lease loss provision to assets | 0.1636% | 5,579 |
| Net operating income to assets | 1.2104% | 1,390 |
| Return on assets (ROA) | 1.2104% | 1,466 |
| Pretax return on assets | 1.2104% | 2,191 |
| Return on Equity (ROE) | 11.7861% | 1,370 |
| Retained earnings to average equity (ytd only) | 3.5495% | 3,374 |
| Net charge-offs to loans | 0.1532% | 5,431 |
| Credit loss provision to net charge-offs | 159.0909% | 2,205 |
| Earnings coverage of net charge-offs (x) | 13.3636% | 1,417 |
| Efficiency ratio | 75.5611% | 3,115 |
| Assets per employee ($millions) | 2.8207% | 6,493 |
| Cash dividends to net income (ytd only)* | 69.8842% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 5,961 |
| Loan loss allowance to noncurrent loans | 44.6629% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 1.5776% | 3,941 |
| Noncurrent loans to loans | 2.4545% | 3,070 |
| Net loans and leases to total assets | 63.5705% | 3,960 |
| Net loans and leases to deposits | 71.0324% | 4,678 |
| Net loans and leases to core deposits | 75.8694% | 4,734 |
| Total domestic deposits to total assets | 89.4950% | 1,383 |
| Equity capital to assets | 9.6984% | 4,139 |
| Core capital (leverage) ratio | 9.6280% | 3,513 |
| Tier 1 risk-based capital ratio | 16.2532% | 2,634 |
| Total risk-based capital ratio | 17.4502% | 2,617 |
| Memoranda: | ||
| Average total assets | $42,797,200 | 6,774 |
| Average earning assets | $37,819,400 | 6,801 |
| Average equity | $4,395,000 | 6,857 |
| Average total loans | $28,718,200 | 6,458 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7182% | 232 |
| Cost of funding earning assets | 1.1495% | 5,152 |
| Net interest margin | 5.5687% | 152 |
| Noninterest income to average assets | 0.7454% | 2,547 |
| Noninterest expense to average assets | 4.0902% | 944 |
| Loan and lease loss provision to assets | 0.2211% | 4,848 |
| Net operating income to assets | 1.3455% | 1,235 |
| Return on assets (ROA) | 1.3455% | 1,315 |
| Pretax return on assets | 1.3455% | 2,046 |
| Return on Equity (ROE) | 12.9103% | 1,278 |
| Retained earnings to average equity (ytd only) | 8.0007% | 1,419 |
| Net charge-offs to loans | 0.2048% | 4,718 |
| Credit loss provision to net charge-offs | 159.0909% | 2,391 |
| Earnings coverage of net charge-offs (x) | 11.2719% | 1,810 |
| Efficiency ratio | 72.3060% | 3,641 |
| Assets per employee ($millions) | 2.7780% | 6,629 |
| Cash dividends to net income (ytd only)* | 38.0271% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 5,985 |
| Loan loss allowance to noncurrent loans | 45.4936% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 1.6775% | 3,934 |
| Noncurrent loans to loans | 2.3938% | 3,242 |
| Net loans and leases to total assets | 69.3113% | 2,898 |
| Net loans and leases to deposits | 78.5584% | 3,721 |
| Net loans and leases to core deposits | 83.8326% | 3,972 |
| Total domestic deposits to total assets | 88.2289% | 1,841 |
| Equity capital to assets | 10.8543% | 3,109 |
| Core capital (leverage) ratio | 10.3120% | 2,898 |
| Tier 1 risk-based capital ratio | 17.1532% | 2,288 |
| Total risk-based capital ratio | 18.3892% | 2,255 |
| Memoranda: | ||
| Average total assets | $42,213,750 | 6,878 |
| Average earning assets | $37,231,250 | 6,908 |
| Average equity | $4,399,500 | 6,943 |
| Average total loans | $28,645,750 | 6,548 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8582% | 187 |
| Cost of funding earning assets | 1.1395% | 5,463 |
| Net interest margin | 5.7188% | 130 |
| Noninterest income to average assets | 0.6699% | 2,895 |
| Noninterest expense to average assets | 4.1043% | 920 |
| Loan and lease loss provision to assets | 0.3302% | 3,756 |
| Net operating income to assets | 1.2785% | 1,363 |
| Return on assets (ROA) | 1.2785% | 1,419 |
| Pretax return on assets | 1.2785% | 2,158 |
| Return on Equity (ROE) | 12.4360% | 1,362 |
| Retained earnings to average equity (ytd only) | 8.3059% | 1,330 |
| Net charge-offs to loans | 0.3092% | 3,771 |
| Credit loss provision to net charge-offs | 159.0909% | 2,473 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 2,245 |
| Efficiency ratio | 71.8415% | 3,843 |
| Assets per employee ($millions) | 2.7140% | 6,765 |
| Cash dividends to net income (ytd only)* | 33.2103% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 5,851 |
| Loan loss allowance to noncurrent loans | 29.5539% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 2.6990% | 2,680 |
| Noncurrent loans to loans | 3.7878% | 2,037 |
| Net loans and leases to total assets | 64.6854% | 4,112 |
| Net loans and leases to deposits | 72.7317% | 4,882 |
| Net loans and leases to core deposits | 77.9860% | 4,954 |
| Total domestic deposits to total assets | 88.9370% | 1,474 |
| Equity capital to assets | 10.2271% | 3,734 |
| Core capital (leverage) ratio | 9.9057% | 3,275 |
| Tier 1 risk-based capital ratio | 16.8943% | 2,326 |
| Total risk-based capital ratio | 18.1350% | 2,281 |
| Memoranda: | ||
| Average total assets | $42,395,000 | 6,920 |
| Average earning assets | $37,385,670 | 6,955 |
| Average equity | $4,358,330 | 6,989 |
| Average total loans | $28,461,000 | 6,605 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4841% | 367 |
| Cost of funding earning assets | 1.1494% | 5,662 |
| Net interest margin | 5.3348% | 231 |
| Noninterest income to average assets | 0.6590% | 2,887 |
| Noninterest expense to average assets | 4.0210% | 999 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3371% | 1,207 |
| Return on assets (ROA) | 1.3371% | 1,280 |
| Pretax return on assets | 1.3371% | 1,944 |
| Return on Equity (ROE) | 12.9720% | 1,261 |
| Retained earnings to average equity (ytd only) | 8.1538% | 1,641 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0446% | 3,396 |
| Assets per employee ($millions) | 3.0947% | 6,009 |
| Cash dividends to net income (ytd only)* | 37.1429% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 6,451 |
| Loan loss allowance to noncurrent loans | 41.2429% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 1.8557% | 3,698 |
| Noncurrent loans to loans | 2.4311% | 3,244 |
| Net loans and leases to total assets | 66.5443% | 3,737 |
| Net loans and leases to deposits | 74.7828% | 4,628 |
| Net loans and leases to core deposits | 80.1663% | 4,742 |
| Total domestic deposits to total assets | 88.9835% | 1,527 |
| Equity capital to assets | 10.0725% | 3,776 |
| Core capital (leverage) ratio | 10.0637% | 3,083 |
| Tier 1 risk-based capital ratio | 16.3597% | 2,500 |
| Total risk-based capital ratio | 17.4872% | 2,507 |
| Memoranda: | ||
| Average total assets | $41,880,500 | 7,023 |
| Average earning assets | $36,890,000 | 7,060 |
| Average equity | $4,317,000 | 7,062 |
| Average total loans | $28,488,000 | 6,688 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9003% | 320 |
| Cost of funding earning assets | 1.3460% | 6,160 |
| Net interest margin | 5.5543% | 181 |
| Noninterest income to average assets | 0.6894% | 3,039 |
| Noninterest expense to average assets | 4.3415% | 942 |
| Loan and lease loss provision to assets | 0.0999% | 6,626 |
| Net operating income to assets | 1.1341% | 1,430 |
| Return on assets (ROA) | 1.1341% | 1,455 |
| Pretax return on assets | 1.1341% | 2,145 |
| Return on Equity (ROE) | 10.6328% | 1,513 |
| Retained earnings to average equity (ytd only) | 1.5926% | 3,965 |
| Net charge-offs to loans | 0.2085% | 5,323 |
| Credit loss provision to net charge-offs | 68.9655% | 6,510 |
| Earnings coverage of net charge-offs (x) | 8.5172% | 1,930 |
| Efficiency ratio | 77.8674% | 3,215 |
| Assets per employee ($millions) | 2.5272% | 7,155 |
| Cash dividends to net income (ytd only)* | 85.0220% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 6,135 |
| Loan loss allowance to noncurrent loans | 69.1943% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.2811% | 4,526 |
| Noncurrent loans to loans | 1.5151% | 4,386 |
| Net loans and leases to total assets | 68.1612% | 3,670 |
| Net loans and leases to deposits | 77.5842% | 4,455 |
| Net loans and leases to core deposits | 89.6526% | 5,169 |
| Total domestic deposits to total assets | 87.8546% | 2,042 |
| Equity capital to assets | 10.5602% | 3,116 |
| Core capital (leverage) ratio | 10.0184% | 3,071 |
| Tier 1 risk-based capital ratio | 16.7792% | 2,209 |
| Total risk-based capital ratio | 17.9601% | 2,198 |
| Memoranda: | ||
| Average total assets | $40,032,600 | 7,090 |
| Average earning assets | $35,215,800 | 7,127 |
| Average equity | $4,269,800 | 7,188 |
| Average total loans | $27,813,800 | 6,752 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7606% | 456 |
| Cost of funding earning assets | 1.3824% | 6,298 |
| Net interest margin | 5.3782% | 219 |
| Noninterest income to average assets | 0.6878% | 3,106 |
| Noninterest expense to average assets | 4.2204% | 1,012 |
| Loan and lease loss provision to assets | 0.1336% | 6,025 |
| Net operating income to assets | 1.0751% | 1,812 |
| Return on assets (ROA) | 1.0751% | 1,865 |
| Pretax return on assets | 1.0751% | 2,654 |
| Return on Equity (ROE) | 10.0549% | 1,892 |
| Retained earnings to average equity (ytd only) | 7.3695% | 1,366 |
| Net charge-offs to loans | 0.2781% | 4,298 |
| Credit loss provision to net charge-offs | 68.9655% | 6,003 |
| Earnings coverage of net charge-offs (x) | 6.2414% | 2,637 |
| Efficiency ratio | 77.7368% | 3,209 |
| Assets per employee ($millions) | 2.7161% | 6,814 |
| Cash dividends to net income (ytd only)* | 26.7074% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 6,447 |
| Loan loss allowance to noncurrent loans | 45.1314% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 2.1550% | 3,153 |
| Noncurrent loans to loans | 2.1472% | 3,448 |
| Net loans and leases to total assets | 73.2414% | 2,727 |
| Net loans and leases to deposits | 83.0481% | 3,818 |
| Net loans and leases to core deposits | 95.9393% | 4,821 |
| Total domestic deposits to total assets | 88.1915% | 1,568 |
| Equity capital to assets | 10.9248% | 3,085 |
| Core capital (leverage) ratio | 10.6952% | 2,638 |
| Tier 1 risk-based capital ratio | 16.3016% | 2,517 |
| Total risk-based capital ratio | 17.4043% | 2,511 |
| Memoranda: | ||
| Average total assets | $39,932,000 | 7,154 |
| Average earning assets | $35,203,250 | 7,197 |
| Average equity | $4,269,750 | 7,258 |
| Average total loans | $27,804,000 | 6,803 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8547% | 409 |
| Cost of funding earning assets | 1.4190% | 6,418 |
| Net interest margin | 5.4357% | 195 |
| Noninterest income to average assets | 0.6808% | 3,110 |
| Noninterest expense to average assets | 4.2812% | 970 |
| Loan and lease loss provision to assets | 0.2017% | 5,038 |
| Net operating income to assets | 0.9884% | 2,149 |
| Return on assets (ROA) | 0.9884% | 2,248 |
| Pretax return on assets | 0.9884% | 3,053 |
| Return on Equity (ROE) | 9.3126% | 2,249 |
| Retained earnings to average equity (ytd only) | 8.4574% | 1,076 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2488% | 3,309 |
| Assets per employee ($millions) | 2.7575% | 6,723 |
| Cash dividends to net income (ytd only)* | 9.1837% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 4,829 |
| Loan loss allowance to noncurrent loans | 99.7151% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.3273% | 4,297 |
| Noncurrent loans to loans | 1.2201% | 4,769 |
| Net loans and leases to total assets | 68.7032% | 4,022 |
| Net loans and leases to deposits | 77.5129% | 4,940 |
| Net loans and leases to core deposits | 87.5663% | 5,760 |
| Total domestic deposits to total assets | 88.6345% | 1,470 |
| Equity capital to assets | 10.4879% | 3,414 |
| Core capital (leverage) ratio | 10.8237% | 2,548 |
| Tier 1 risk-based capital ratio | 15.1814% | 2,945 |
| Total risk-based capital ratio | 16.2900% | 2,938 |
| Memoranda: | ||
| Average total assets | $39,662,000 | 7,221 |
| Average earning assets | $34,954,000 | 7,268 |
| Average equity | $4,209,330 | 7,337 |
| Average total loans | $27,028,000 | 6,918 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8249% | 460 |
| Cost of funding earning assets | 1.4918% | 6,429 |
| Net interest margin | 5.3330% | 224 |
| Noninterest income to average assets | 0.7008% | 2,890 |
| Noninterest expense to average assets | 4.4831% | 721 |
| Loan and lease loss provision to assets | 0.4122% | 2,860 |
| Net operating income to assets | 0.4844% | 4,494 |
| Return on assets (ROA) | 0.4844% | 4,686 |
| Pretax return on assets | 0.4844% | 5,127 |
| Return on Equity (ROE) | 4.5356% | 4,692 |
| Retained earnings to average equity (ytd only) | 2.7986% | 4,323 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 2,375 |
| Assets per employee ($millions) | 2.4793% | 7,323 |
| Cash dividends to net income (ytd only)* | 38.2979% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 3,850 |
| Loan loss allowance to noncurrent loans | 126.3538% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 1.1974% | 4,277 |
| Noncurrent loans to loans | 1.0607% | 4,865 |
| Net loans and leases to total assets | 64.9525% | 4,818 |
| Net loans and leases to deposits | 73.3677% | 5,560 |
| Net loans and leases to core deposits | 81.8982% | 6,246 |
| Total domestic deposits to total assets | 88.5301% | 1,470 |
| Equity capital to assets | 10.5750% | 3,388 |
| Core capital (leverage) ratio | 10.7934% | 2,657 |
| Tier 1 risk-based capital ratio | 15.6619% | 2,797 |
| Total risk-based capital ratio | 16.8890% | 2,739 |
| Memoranda: | ||
| Average total assets | $38,812,000 | 7,309 |
| Average earning assets | $34,052,000 | 7,353 |
| Average equity | $4,145,000 | 7,400 |
| Average total loans | $26,158,500 | 6,998 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4964% | 414 |
| Cost of funding earning assets | 1.9185% | 6,677 |
| Net interest margin | 5.5779% | 185 |
| Noninterest income to average assets | 0.6686% | 3,344 |
| Noninterest expense to average assets | 4.3563% | 989 |
| Loan and lease loss provision to assets | 0.1296% | 5,712 |
| Net operating income to assets | 1.1480% | 1,953 |
| Return on assets (ROA) | 1.2206% | 1,654 |
| Pretax return on assets | 1.2206% | 2,580 |
| Return on Equity (ROE) | 11.2626% | 1,823 |
| Retained earnings to average equity (ytd only) | -2.9173% | 6,088 |
| Net charge-offs to loans | 0.0080% | 6,824 |
| Credit loss provision to net charge-offs | 2,500.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 246.5000% | 199 |
| Efficiency ratio | 77.3229% | 3,032 |
| Assets per employee ($millions) | 2.5303% | 7,150 |
| Cash dividends to net income (ytd only)* | 125.9023% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 4,678 |
| Loan loss allowance to noncurrent loans | 28.8910% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 2.8270% | 1,662 |
| Noncurrent loans to loans | 4.0953% | 1,188 |
| Net loans and leases to total assets | 68.2150% | 4,420 |
| Net loans and leases to deposits | 77.7274% | 5,374 |
| Net loans and leases to core deposits | 87.3928% | 6,031 |
| Total domestic deposits to total assets | 87.7618% | 1,573 |
| Equity capital to assets | 10.7891% | 3,214 |
| Core capital (leverage) ratio | 10.5989% | 2,906 |
| Tier 1 risk-based capital ratio | 17.2660% | 2,240 |
| Total risk-based capital ratio | 18.4887% | 2,196 |
| Memoranda: | ||
| Average total assets | $38,588,200 | 7,278 |
| Average earning assets | $34,350,000 | 7,311 |
| Average equity | $4,182,000 | 7,436 |
| Average total loans | $25,017,800 | 7,023 |