Home > The Stockton National Bank > Performance and Condition Ratios
The Stockton National Bank, Performance and Condition Ratios
| 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 | 4.0437% | 3,086 |
| Cost of funding earning assets | 0.3282% | 3,811 |
| Net interest margin | 3.7155% | 2,634 |
| Noninterest income to average assets | 0.4131% | 3,792 |
| Noninterest expense to average assets | 2.8401% | 2,875 |
| Loan and lease loss provision to assets | 0.1510% | 1,516 |
| Net operating income to assets | 0.8624% | 3,037 |
| Return on assets (ROA) | 0.8624% | 3,158 |
| Pretax return on assets | 0.9327% | 3,824 |
| Return on Equity (ROE) | 8.0454% | 2,960 |
| Retained earnings to average equity (ytd only) | 1.4956% | 4,782 |
| Net charge-offs to loans | -0.1425% | 5,727 |
| Credit loss provision to net charge-offs | -151.7647% | 4,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3829% | 2,598 |
| Assets per employee ($millions) | 3.7612% | 4,336 |
| Cash dividends to net income (ytd only)* | 81.4111% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6732% | 1,333 |
| Loan loss allowance to noncurrent loans | 111.8414% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.1080% | 1,911 |
| Noncurrent loans to loans | 1.4961% | 1,461 |
| Net loans and leases to total assets | 72.8216% | 2,038 |
| Net loans and leases to deposits | 95.8289% | 1,098 |
| Net loans and leases to core deposits | 99.4985% | 1,673 |
| Total domestic deposits to total assets | 75.9912% | 5,285 |
| Equity capital to assets | 10.7343% | 3,359 |
| Core capital (leverage) ratio | 10.4676% | 3,010 |
| Tier 1 risk-based capital ratio | 11.5206% | 5,138 |
| Total risk-based capital ratio | 12.7720% | 5,023 |
| Memoranda: | ||
| Average total assets | $170,908,670 | 3,297 |
| Average earning assets | $161,486,330 | 3,251 |
| Average equity | $18,321,000 | 3,397 |
| Average total loans | $119,310,330 | 3,090 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 3,565 |
| Cost of funding earning assets | 0.3296% | 3,850 |
| Net interest margin | 3.5778% | 3,175 |
| Noninterest income to average assets | 0.4427% | 3,535 |
| Noninterest expense to average assets | 2.8825% | 2,765 |
| Loan and lease loss provision to assets | 0.1460% | 1,446 |
| Net operating income to assets | 0.7489% | 3,488 |
| Return on assets (ROA) | 0.7489% | 3,594 |
| Pretax return on assets | 0.7889% | 4,230 |
| Return on Equity (ROE) | 6.9907% | 3,461 |
| Retained earnings to average equity (ytd only) | 0.8354% | 4,891 |
| Net charge-offs to loans | -0.0383% | 5,189 |
| Credit loss provision to net charge-offs | -563.6364% | 4,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5089% | 2,249 |
| Assets per employee ($millions) | 4.0192% | 3,914 |
| Cash dividends to net income (ytd only)* | 88.0503% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 1,251 |
| Loan loss allowance to noncurrent loans | 174.7818% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6789% | 3,023 |
| Noncurrent loans to loans | 1.0008% | 2,384 |
| Net loans and leases to total assets | 66.6453% | 2,866 |
| Net loans and leases to deposits | 84.6319% | 2,229 |
| Net loans and leases to core deposits | 87.0011% | 2,660 |
| Total domestic deposits to total assets | 78.7473% | 5,021 |
| Equity capital to assets | 10.8437% | 3,123 |
| Core capital (leverage) ratio | 10.1971% | 3,318 |
| Tier 1 risk-based capital ratio | 12.2740% | 4,736 |
| Total risk-based capital ratio | 13.5256% | 4,640 |
| Memoranda: | ||
| Average total assets | $169,855,000 | 3,330 |
| Average earning assets | $160,208,000 | 3,282 |
| Average equity | $18,195,500 | 3,412 |
| Average total loans | $114,897,000 | 3,164 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8574% | 3,855 |
| Cost of funding earning assets | 0.3048% | 4,195 |
| Net interest margin | 3.5525% | 3,316 |
| Noninterest income to average assets | 0.4327% | 3,803 |
| Noninterest expense to average assets | 2.7665% | 3,362 |
| Loan and lease loss provision to assets | 0.1421% | 1,671 |
| Net operating income to assets | 0.8325% | 3,186 |
| Return on assets (ROA) | 0.8325% | 3,258 |
| Pretax return on assets | 0.8772% | 3,932 |
| Return on Equity (ROE) | 7.9129% | 2,998 |
| Retained earnings to average equity (ytd only) | 2.1652% | 4,489 |
| Net charge-offs to loans | -0.0700% | 5,669 |
| Credit loss provision to net charge-offs | -318.4211% | 5,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0769% | 2,729 |
| Assets per employee ($millions) | 3.9745% | 3,987 |
| Cash dividends to net income (ytd only)* | 72.6375% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 1,407 |
| Loan loss allowance to noncurrent loans | 132.1918% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8543% | 2,533 |
| Noncurrent loans to loans | 1.2664% | 1,859 |
| Net loans and leases to total assets | 66.3294% | 2,939 |
| Net loans and leases to deposits | 84.1954% | 2,339 |
| Net loans and leases to core deposits | 86.5171% | 2,759 |
| Total domestic deposits to total assets | 78.7804% | 5,018 |
| Equity capital to assets | 10.5826% | 3,271 |
| Core capital (leverage) ratio | 10.0688% | 3,411 |
| Tier 1 risk-based capital ratio | 11.8441% | 5,047 |
| Total risk-based capital ratio | 13.0946% | 4,962 |
| Memoranda: | ||
| Average total assets | $170,323,200 | 3,298 |
| Average earning assets | $160,758,000 | 3,246 |
| Average equity | $17,920,000 | 3,395 |
| Average total loans | $108,611,600 | 3,228 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 4,121 |
| Cost of funding earning assets | 0.2983% | 4,359 |
| Net interest margin | 3.4915% | 3,571 |
| Noninterest income to average assets | 0.4215% | 3,928 |
| Noninterest expense to average assets | 2.7547% | 3,364 |
| Loan and lease loss provision to assets | 0.1402% | 1,581 |
| Net operating income to assets | 0.7764% | 3,549 |
| Return on assets (ROA) | 0.7764% | 3,634 |
| Pretax return on assets | 0.8187% | 4,278 |
| Return on Equity (ROE) | 7.3904% | 3,408 |
| Retained earnings to average equity (ytd only) | 2.5431% | 4,607 |
| Net charge-offs to loans | -0.0910% | 5,749 |
| Credit loss provision to net charge-offs | -245.2055% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1772% | 2,523 |
| Assets per employee ($millions) | 4.0760% | 3,745 |
| Cash dividends to net income (ytd only)* | 65.5907% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 1,626 |
| Loan loss allowance to noncurrent loans | 144.3842% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 3,064 |
| Noncurrent loans to loans | 1.1391% | 2,232 |
| Net loans and leases to total assets | 63.6009% | 3,368 |
| Net loans and leases to deposits | 82.8031% | 2,553 |
| Net loans and leases to core deposits | 85.7101% | 2,882 |
| Total domestic deposits to total assets | 76.8098% | 5,374 |
| Equity capital to assets | 10.3618% | 3,743 |
| Core capital (leverage) ratio | 10.0042% | 3,620 |
| Tier 1 risk-based capital ratio | 11.8703% | 5,154 |
| Total risk-based capital ratio | 13.1201% | 5,078 |
| Memoranda: | ||
| Average total assets | $170,178,250 | 3,326 |
| Average earning assets | $160,461,250 | 3,278 |
| Average equity | $17,878,500 | 3,424 |
| Average total loans | $106,942,250 | 3,287 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 4,180 |
| Cost of funding earning assets | 0.2953% | 4,443 |
| Net interest margin | 3.4741% | 3,606 |
| Noninterest income to average assets | 0.4107% | 4,000 |
| Noninterest expense to average assets | 2.7481% | 3,420 |
| Loan and lease loss provision to assets | 0.1448% | 1,487 |
| Net operating income to assets | 0.7443% | 3,668 |
| Return on assets (ROA) | 0.7443% | 3,765 |
| Pretax return on assets | 0.7858% | 4,360 |
| Return on Equity (ROE) | 7.0512% | 3,577 |
| Retained earnings to average equity (ytd only) | 1.6531% | 4,873 |
| Net charge-offs to loans | 0.0592% | 2,548 |
| Credit loss provision to net charge-offs | 393.5484% | 755 |
| Earnings coverage of net charge-offs (x) | 25.2903% | 1,530 |
| Efficiency ratio | 74.7015% | 2,574 |
| Assets per employee ($millions) | 3.6835% | 4,461 |
| Cash dividends to net income (ytd only)* | 76.5550% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 1,939 |
| Loan loss allowance to noncurrent loans | 119.1043% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 2,911 |
| Noncurrent loans to loans | 1.3359% | 2,009 |
| Net loans and leases to total assets | 60.8038% | 3,719 |
| Net loans and leases to deposits | 77.1123% | 3,143 |
| Net loans and leases to core deposits | 80.5901% | 3,324 |
| Total domestic deposits to total assets | 78.8510% | 5,126 |
| Equity capital to assets | 10.3123% | 3,675 |
| Core capital (leverage) ratio | 10.3176% | 3,198 |
| Tier 1 risk-based capital ratio | 12.5679% | 4,761 |
| Total risk-based capital ratio | 13.8015% | 4,691 |
| Memoranda: | ||
| Average total assets | $168,481,670 | 3,378 |
| Average earning assets | $158,488,330 | 3,320 |
| Average equity | $17,784,330 | 3,456 |
| Average total loans | $104,811,000 | 3,347 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 3,972 |
| Cost of funding earning assets | 0.2980% | 4,464 |
| Net interest margin | 3.5121% | 3,381 |
| Noninterest income to average assets | 0.4454% | 3,664 |
| Noninterest expense to average assets | 2.8214% | 3,172 |
| Loan and lease loss provision to assets | 0.1541% | 1,319 |
| Net operating income to assets | 0.7198% | 3,698 |
| Return on assets (ROA) | 0.7198% | 3,827 |
| Pretax return on assets | 0.7607% | 4,389 |
| Return on Equity (ROE) | 6.7380% | 3,638 |
| Retained earnings to average equity (ytd only) | 1.1042% | 5,040 |
| Net charge-offs to loans | 0.1234% | 1,526 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 11.8750% | 1,833 |
| Efficiency ratio | 75.5155% | 2,581 |
| Assets per employee ($millions) | 3.7300% | 4,462 |
| Cash dividends to net income (ytd only)* | 83.6120% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6156% | 1,993 |
| Loan loss allowance to noncurrent loans | 78.8868% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.2416% | 2,157 |
| Noncurrent loans to loans | 2.0479% | 1,271 |
| Net loans and leases to total assets | 59.6460% | 3,705 |
| Net loans and leases to deposits | 70.1320% | 3,737 |
| Net loans and leases to core deposits | 75.3836% | 3,655 |
| Total domestic deposits to total assets | 85.0481% | 3,385 |
| Equity capital to assets | 10.7011% | 3,319 |
| Core capital (leverage) ratio | 10.1022% | 3,471 |
| Tier 1 risk-based capital ratio | 14.7118% | 3,598 |
| Total risk-based capital ratio | 15.9632% | 3,526 |
| Memoranda: | ||
| Average total assets | $166,160,500 | 3,424 |
| Average earning assets | $155,692,500 | 3,384 |
| Average equity | $17,750,000 | 3,491 |
| Average total loans | $103,732,500 | 3,381 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 4,050 |
| Cost of funding earning assets | 0.3483% | 4,271 |
| Net interest margin | 3.5736% | 3,501 |
| Noninterest income to average assets | 0.3760% | 4,378 |
| Noninterest expense to average assets | 2.8468% | 3,321 |
| Loan and lease loss provision to assets | 0.1610% | 1,632 |
| Net operating income to assets | 0.6958% | 3,912 |
| Return on assets (ROA) | 0.6958% | 4,030 |
| Pretax return on assets | 0.7257% | 4,526 |
| Return on Equity (ROE) | 6.0798% | 4,104 |
| Retained earnings to average equity (ytd only) | 0.3534% | 5,617 |
| Net charge-offs to loans | -0.0180% | 5,684 |
| Credit loss provision to net charge-offs | -1,433.3333% | 5,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2487% | 2,473 |
| Assets per employee ($millions) | 3.4993% | 4,904 |
| Cash dividends to net income (ytd only)* | 94.1873% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3445% | 677 |
| Loan loss allowance to noncurrent loans | 254.2218% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 3,794 |
| Noncurrent loans to loans | 0.9222% | 3,010 |
| Net loans and leases to total assets | 63.2897% | 3,317 |
| Net loans and leases to deposits | 72.8828% | 3,570 |
| Net loans and leases to core deposits | 75.4913% | 3,767 |
| Total domestic deposits to total assets | 86.8376% | 2,367 |
| Equity capital to assets | 10.6634% | 3,285 |
| Core capital (leverage) ratio | 9.9629% | 3,629 |
| Tier 1 risk-based capital ratio | 13.8836% | 4,178 |
| Total risk-based capital ratio | 15.1443% | 4,110 |
| Memoranda: | ||
| Average total assets | $133,517,400 | 3,910 |
| Average earning assets | $125,449,200 | 3,856 |
| Average equity | $15,280,200 | 3,783 |
| Average total loans | $83,168,400 | 3,792 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7368% | 4,753 |
| Cost of funding earning assets | 0.3547% | 4,294 |
| Net interest margin | 3.3821% | 4,302 |
| Noninterest income to average assets | 0.3456% | 4,676 |
| Noninterest expense to average assets | 2.7699% | 3,576 |
| Loan and lease loss provision to assets | 0.1495% | 1,670 |
| Net operating income to assets | 0.5936% | 4,469 |
| Return on assets (ROA) | 0.5936% | 4,560 |
| Pretax return on assets | 0.6201% | 4,966 |
| Return on Equity (ROE) | 5.0738% | 4,688 |
| Retained earnings to average equity (ytd only) | 1.6762% | 5,209 |
| Net charge-offs to loans | -0.0310% | 5,750 |
| Credit loss provision to net charge-offs | -783.3333% | 5,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2570% | 2,149 |
| Assets per employee ($millions) | 3.5210% | 4,826 |
| Cash dividends to net income (ytd only)* | 66.9644% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3890% | 748 |
| Loan loss allowance to noncurrent loans | 1,018.8525% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 5,598 |
| Noncurrent loans to loans | 0.2345% | 5,196 |
| Net loans and leases to total assets | 61.3792% | 3,575 |
| Net loans and leases to deposits | 70.8835% | 3,813 |
| Net loans and leases to core deposits | 73.4086% | 4,008 |
| Total domestic deposits to total assets | 86.5916% | 2,533 |
| Equity capital to assets | 10.8015% | 3,180 |
| Core capital (leverage) ratio | 11.2331% | 2,282 |
| Tier 1 risk-based capital ratio | 13.8962% | 4,291 |
| Total risk-based capital ratio | 15.1563% | 4,224 |
| Memoranda: | ||
| Average total assets | $125,779,500 | 4,098 |
| Average earning assets | $118,779,750 | 4,021 |
| Average equity | $14,715,750 | 3,909 |
| Average total loans | $77,312,750 | 3,982 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7496% | 4,695 |
| Cost of funding earning assets | 0.3829% | 4,067 |
| Net interest margin | 3.3667% | 4,332 |
| Noninterest income to average assets | 0.2506% | 5,402 |
| Noninterest expense to average assets | 2.6354% | 4,113 |
| Loan and lease loss provision to assets | 0.1422% | 1,740 |
| Net operating income to assets | 0.6131% | 4,293 |
| Return on assets (ROA) | 0.6131% | 4,387 |
| Pretax return on assets | 0.6451% | 4,803 |
| Return on Equity (ROE) | 5.0503% | 4,647 |
| Retained earnings to average equity (ytd only) | 2.4885% | 4,620 |
| Net charge-offs to loans | -0.0526% | 5,900 |
| Credit loss provision to net charge-offs | -444.4444% | 5,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9990% | 2,453 |
| Assets per employee ($millions) | 3.3847% | 5,089 |
| Cash dividends to net income (ytd only)* | 50.7246% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1224% | 1,137 |
| Loan loss allowance to noncurrent loans | 393.9153% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 5,028 |
| Noncurrent loans to loans | 0.5388% | 4,393 |
| Net loans and leases to total assets | 61.4767% | 3,488 |
| Net loans and leases to deposits | 73.6233% | 3,370 |
| Net loans and leases to core deposits | 76.4606% | 3,579 |
| Total domestic deposits to total assets | 83.5016% | 4,109 |
| Equity capital to assets | 12.5734% | 1,599 |
| Core capital (leverage) ratio | 12.4628% | 1,415 |
| Tier 1 risk-based capital ratio | 17.7888% | 2,315 |
| Total risk-based capital ratio | 19.0476% | 2,282 |
| Memoranda: | ||
| Average total assets | $112,544,000 | 4,400 |
| Average earning assets | $106,039,000 | 4,324 |
| Average equity | $13,662,670 | 4,110 |
| Average total loans | $68,397,000 | 4,284 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6821% | 4,907 |
| Cost of funding earning assets | 0.3904% | 4,082 |
| Net interest margin | 3.2917% | 4,578 |
| Noninterest income to average assets | 0.2266% | 5,540 |
| Noninterest expense to average assets | 2.5813% | 4,337 |
| Loan and lease loss provision to assets | 0.1062% | 2,148 |
| Net operating income to assets | 0.6126% | 4,141 |
| Return on assets (ROA) | 0.6126% | 4,218 |
| Pretax return on assets | 0.6444% | 4,681 |
| Return on Equity (ROE) | 5.1366% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.9097% | 4,354 |
| Net charge-offs to loans | 0.0355% | 2,890 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 948 |
| Efficiency ratio | 77.4708% | 2,559 |
| Assets per employee ($millions) | 3.8082% | 4,306 |
| Cash dividends to net income (ytd only)* | 43.3526% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0997% | 1,323 |
| Loan loss allowance to noncurrent loans | 287.8296% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 4,845 |
| Noncurrent loans to loans | 0.7295% | 4,036 |
| Net loans and leases to total assets | 57.9115% | 3,852 |
| Net loans and leases to deposits | 68.7709% | 3,764 |
| Net loans and leases to core deposits | 71.3365% | 3,945 |
| Total domestic deposits to total assets | 84.2094% | 4,206 |
| Equity capital to assets | 11.9533% | 1,902 |
| Core capital (leverage) ratio | 12.1764% | 1,552 |
| Tier 1 risk-based capital ratio | 18.1085% | 2,247 |
| Total risk-based capital ratio | 19.3666% | 2,218 |
| Memoranda: | ||
| Average total assets | $112,968,000 | 4,428 |
| Average earning assets | $106,571,000 | 4,350 |
| Average equity | $13,472,000 | 4,156 |
| Average total loans | $67,517,500 | 4,338 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 4,893 |
| Cost of funding earning assets | 0.4767% | 3,850 |
| Net interest margin | 3.2989% | 4,667 |
| Noninterest income to average assets | 0.2280% | 5,711 |
| Noninterest expense to average assets | 2.7329% | 3,983 |
| Loan and lease loss provision to assets | 0.0546% | 4,049 |
| Net operating income to assets | 0.4983% | 4,740 |
| Return on assets (ROA) | 0.4901% | 4,916 |
| Pretax return on assets | 0.5321% | 5,098 |
| Return on Equity (ROE) | 4.1044% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.2057% | 3,953 |
| Net charge-offs to loans | -0.0624% | 6,380 |
| Credit loss provision to net charge-offs | -145.2381% | 5,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1064% | 1,867 |
| Assets per employee ($millions) | 3.6029% | 4,673 |
| Cash dividends to net income (ytd only)* | 21.8978% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0680% | 1,400 |
| Loan loss allowance to noncurrent loans | 1,516.3043% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 6,075 |
| Noncurrent loans to loans | 0.1364% | 5,801 |
| Net loans and leases to total assets | 59.1453% | 3,850 |
| Net loans and leases to deposits | 70.3140% | 3,743 |
| Net loans and leases to core deposits | 73.2860% | 3,919 |
| Total domestic deposits to total assets | 84.1160% | 4,119 |
| Equity capital to assets | 11.8971% | 1,868 |
| Core capital (leverage) ratio | 12.2058% | 1,493 |
| Tier 1 risk-based capital ratio | 18.2678% | 2,162 |
| Total risk-based capital ratio | 19.5251% | 2,118 |
| Memoranda: | ||
| Average total assets | $111,822,000 | 4,460 |
| Average earning assets | $105,094,600 | 4,386 |
| Average equity | $13,351,400 | 4,193 |
| Average total loans | $67,290,800 | 4,365 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 5,045 |
| Cost of funding earning assets | 0.4906% | 3,859 |
| Net interest margin | 3.2556% | 4,807 |
| Noninterest income to average assets | 0.2301% | 5,786 |
| Noninterest expense to average assets | 2.5902% | 4,424 |
| Loan and lease loss provision to assets | 0.0727% | 3,607 |
| Net operating income to assets | 0.5844% | 4,415 |
| Return on assets (ROA) | 0.5734% | 4,599 |
| Pretax return on assets | 0.6163% | 4,962 |
| Return on Equity (ROE) | 4.7977% | 4,829 |
| Retained earnings to average equity (ytd only) | 3.6007% | 4,128 |
| Net charge-offs to loans | -0.0872% | 6,462 |
| Credit loss provision to net charge-offs | -138.6364% | 5,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7034% | 2,307 |
| Assets per employee ($millions) | 3.5389% | 4,766 |
| Cash dividends to net income (ytd only)* | 24.9485% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0385% | 1,635 |
| Loan loss allowance to noncurrent loans | 342.4020% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 5,293 |
| Noncurrent loans to loans | 0.5953% | 4,710 |
| Net loans and leases to total assets | 61.1954% | 3,492 |
| Net loans and leases to deposits | 72.9823% | 3,408 |
| Net loans and leases to core deposits | 76.1306% | 3,599 |
| Total domestic deposits to total assets | 83.8496% | 4,256 |
| Equity capital to assets | 12.2391% | 1,755 |
| Core capital (leverage) ratio | 12.0946% | 1,617 |
| Tier 1 risk-based capital ratio | 18.0845% | 2,293 |
| Total risk-based capital ratio | 19.3425% | 2,254 |
| Memoranda: | ||
| Average total assets | $111,854,750 | 4,507 |
| Average earning assets | $105,168,500 | 4,425 |
| Average equity | $13,367,250 | 4,237 |
| Average total loans | $67,249,750 | 4,402 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 5,463 |
| Cost of funding earning assets | 0.5217% | 3,690 |
| Net interest margin | 3.0694% | 5,368 |
| Noninterest income to average assets | 0.1876% | 6,086 |
| Noninterest expense to average assets | 2.5166% | 4,665 |
| Loan and lease loss provision to assets | 0.0462% | 4,048 |
| Net operating income to assets | 0.5137% | 4,746 |
| Return on assets (ROA) | 0.5137% | 4,913 |
| Pretax return on assets | 0.5281% | 5,273 |
| Return on Equity (ROE) | 4.1657% | 5,148 |
| Retained earnings to average equity (ytd only) | 1.9424% | 5,036 |
| Net charge-offs to loans | -0.2266% | 6,697 |
| Credit loss provision to net charge-offs | -34.7826% | 5,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4192% | 1,974 |
| Assets per employee ($millions) | 3.2701% | 5,335 |
| Cash dividends to net income (ytd only)* | 53.3708% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9128% | 2,082 |
| Loan loss allowance to noncurrent loans | 409.6447% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 5,621 |
| Noncurrent loans to loans | 0.4669% | 5,088 |
| Net loans and leases to total assets | 60.2604% | 3,612 |
| Net loans and leases to deposits | 75.6527% | 2,928 |
| Net loans and leases to core deposits | 79.1273% | 3,149 |
| Total domestic deposits to total assets | 79.6540% | 5,680 |
| Equity capital to assets | 12.3311% | 1,685 |
| Core capital (leverage) ratio | 12.3037% | 1,453 |
| Tier 1 risk-based capital ratio | 18.4024% | 2,177 |
| Total risk-based capital ratio | 19.6583% | 2,138 |
| Memoranda: | ||
| Average total assets | $69,298,670 | 5,592 |
| Average earning assets | $65,549,670 | 5,506 |
| Average equity | $8,546,000 | 5,293 |
| Average total loans | $40,608,670 | 5,397 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5685% | 5,532 |
| Cost of funding earning assets | 0.5593% | 3,482 |
| Net interest margin | 3.0092% | 5,540 |
| Noninterest income to average assets | 0.2298% | 5,816 |
| Noninterest expense to average assets | 2.2812% | 5,466 |
| Loan and lease loss provision to assets | 0.0690% | 3,483 |
| Net operating income to assets | 0.6608% | 3,898 |
| Return on assets (ROA) | 0.6608% | 4,058 |
| Pretax return on assets | 0.7240% | 4,470 |
| Return on Equity (ROE) | 5.3582% | 4,367 |
| Retained earnings to average equity (ytd only) | 2.0967% | 4,955 |
| Net charge-offs to loans | -0.0904% | 6,402 |
| Credit loss provision to net charge-offs | -133.3333% | 5,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2056% | 3,228 |
| Assets per employee ($millions) | 3.9083% | 4,142 |
| Cash dividends to net income (ytd only)* | 60.8696% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9220% | 2,241 |
| Loan loss allowance to noncurrent loans | 1,255.7377% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 6,333 |
| Noncurrent loans to loans | 0.1531% | 6,011 |
| Net loans and leases to total assets | 55.5644% | 4,162 |
| Net loans and leases to deposits | 66.5277% | 3,988 |
| Net loans and leases to core deposits | 72.2693% | 3,787 |
| Total domestic deposits to total assets | 83.5207% | 4,660 |
| Equity capital to assets | 12.2489% | 1,866 |
| Core capital (leverage) ratio | 11.9843% | 1,572 |
| Tier 1 risk-based capital ratio | 19.0941% | 2,016 |
| Total risk-based capital ratio | 20.3503% | 1,991 |
| Memoranda: | ||
| Average total assets | $69,612,000 | 5,639 |
| Average earning assets | $65,797,500 | 5,554 |
| Average equity | $8,585,000 | 5,338 |
| Average total loans | $39,818,500 | 5,471 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9232% | 5,511 |
| Cost of funding earning assets | 0.6680% | 3,763 |
| Net interest margin | 3.2552% | 5,416 |
| Noninterest income to average assets | 0.1688% | 6,185 |
| Noninterest expense to average assets | 2.2111% | 5,904 |
| Loan and lease loss provision to assets | 0.0629% | 4,975 |
| Net operating income to assets | 0.9253% | 2,676 |
| Return on assets (ROA) | 0.9253% | 2,921 |
| Pretax return on assets | 0.9683% | 3,660 |
| Return on Equity (ROE) | 7.6342% | 3,265 |
| Retained earnings to average equity (ytd only) | 1.4985% | 5,119 |
| Net charge-offs to loans | 0.0728% | 4,954 |
| Credit loss provision to net charge-offs | 151.7241% | 1,792 |
| Earnings coverage of net charge-offs (x) | 24.8621% | 1,159 |
| Efficiency ratio | 68.1959% | 4,112 |
| Assets per employee ($millions) | 3.6250% | 4,722 |
| Cash dividends to net income (ytd only)* | 80.3709% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8727% | 2,372 |
| Loan loss allowance to noncurrent loans | 696.2617% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 6,173 |
| Noncurrent loans to loans | 0.2690% | 5,809 |
| Net loans and leases to total assets | 56.6780% | 4,167 |
| Net loans and leases to deposits | 68.2596% | 3,944 |
| Net loans and leases to core deposits | 74.6877% | 3,696 |
| Total domestic deposits to total assets | 83.0330% | 4,716 |
| Equity capital to assets | 12.4181% | 1,772 |
| Core capital (leverage) ratio | 11.9753% | 1,576 |
| Tier 1 risk-based capital ratio | 18.9332% | 1,976 |
| Total risk-based capital ratio | 20.1653% | 1,949 |
| Memoranda: | ||
| Average total assets | $69,919,600 | 5,630 |
| Average earning assets | $66,017,000 | 5,550 |
| Average equity | $8,475,000 | 5,370 |
| Average total loans | $39,819,800 | 5,514 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 5,678 |
| Cost of funding earning assets | 0.6952% | 3,812 |
| Net interest margin | 3.2468% | 5,560 |
| Noninterest income to average assets | 0.1691% | 6,292 |
| Noninterest expense to average assets | 2.1031% | 6,153 |
| Loan and lease loss provision to assets | 0.0608% | 4,956 |
| Net operating income to assets | 1.0468% | 2,296 |
| Return on assets (ROA) | 1.0468% | 2,514 |
| Pretax return on assets | 1.0753% | 3,443 |
| Return on Equity (ROE) | 8.6884% | 2,954 |
| Retained earnings to average equity (ytd only) | 3.2483% | 4,582 |
| Net charge-offs to loans | 0.0134% | 5,513 |
| Credit loss provision to net charge-offs | 800.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 149.5891% | 293 |
| Efficiency ratio | 64.9267% | 4,634 |
| Assets per employee ($millions) | 3.6608% | 4,627 |
| Cash dividends to net income (ytd only)* | 62.6135% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8806% | 2,543 |
| Loan loss allowance to noncurrent loans | 388.7179% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 5,801 |
| Noncurrent loans to loans | 0.4838% | 5,484 |
| Net loans and leases to total assets | 56.8600% | 4,321 |
| Net loans and leases to deposits | 68.4843% | 4,100 |
| Net loans and leases to core deposits | 74.8623% | 3,873 |
| Total domestic deposits to total assets | 83.0264% | 4,630 |
| Equity capital to assets | 12.4247% | 1,947 |
| Core capital (leverage) ratio | 12.1867% | 1,541 |
| Tier 1 risk-based capital ratio | 18.3296% | 2,219 |
| Total risk-based capital ratio | 19.5854% | 2,190 |
| Memoranda: | ||
| Average total assets | $70,180,750 | 5,689 |
| Average earning assets | $66,361,250 | 5,603 |
| Average equity | $8,455,500 | 5,423 |
| Average total loans | $39,829,250 | 5,581 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 5,883 |
| Cost of funding earning assets | 0.7250% | 3,808 |
| Net interest margin | 3.1858% | 5,782 |
| Noninterest income to average assets | 0.1620% | 6,370 |
| Noninterest expense to average assets | 2.0287% | 6,372 |
| Loan and lease loss provision to assets | 0.0568% | 4,950 |
| Net operating income to assets | 1.0513% | 2,246 |
| Return on assets (ROA) | 1.0513% | 2,475 |
| Pretax return on assets | 1.0854% | 3,354 |
| Return on Equity (ROE) | 8.8165% | 2,891 |
| Retained earnings to average equity (ytd only) | 1.6680% | 5,368 |
| Net charge-offs to loans | -0.0050% | 6,164 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9785% | 4,908 |
| Assets per employee ($millions) | 3.6609% | 4,612 |
| Cash dividends to net income (ytd only)* | 81.0811% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 2,673 |
| Loan loss allowance to noncurrent loans | 1,976.3158% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 6,465 |
| Noncurrent loans to loans | 0.0941% | 6,428 |
| Net loans and leases to total assets | 56.9921% | 4,327 |
| Net loans and leases to deposits | 70.3521% | 3,841 |
| Net loans and leases to core deposits | 77.4772% | 3,593 |
| Total domestic deposits to total assets | 81.0098% | 5,467 |
| Equity capital to assets | 12.0520% | 2,115 |
| Core capital (leverage) ratio | 11.8624% | 1,675 |
| Tier 1 risk-based capital ratio | 18.2010% | 2,225 |
| Total risk-based capital ratio | 19.4556% | 2,198 |
| Memoranda: | ||
| Average total assets | $70,389,330 | 5,724 |
| Average earning assets | $66,483,330 | 5,630 |
| Average equity | $8,393,330 | 5,447 |
| Average total loans | $39,670,000 | 5,618 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8308% | 6,183 |
| Cost of funding earning assets | 0.7351% | 3,984 |
| Net interest margin | 3.0957% | 6,058 |
| Noninterest income to average assets | 0.1695% | 6,364 |
| Noninterest expense to average assets | 2.2145% | 6,002 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8417% | 3,194 |
| Return on assets (ROA) | 0.8417% | 3,434 |
| Pretax return on assets | 0.8813% | 4,101 |
| Return on Equity (ROE) | 7.0965% | 3,730 |
| Retained earnings to average equity (ytd only) | 2.3338% | 5,097 |
| Net charge-offs to loans | -0.0204% | 6,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5328% | 3,523 |
| Assets per employee ($millions) | 4.2165% | 3,545 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9205% | 2,615 |
| Loan loss allowance to noncurrent loans | 293.9759% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 5,814 |
| Noncurrent loans to loans | 0.6533% | 5,336 |
| Net loans and leases to total assets | 52.1540% | 4,996 |
| Net loans and leases to deposits | 63.9568% | 4,645 |
| Net loans and leases to core deposits | 70.1744% | 4,388 |
| Total domestic deposits to total assets | 81.5458% | 5,448 |
| Equity capital to assets | 11.6657% | 2,290 |
| Core capital (leverage) ratio | 11.4732% | 1,912 |
| Tier 1 risk-based capital ratio | 18.6823% | 2,083 |
| Total risk-based capital ratio | 19.9377% | 2,051 |
| Memoranda: | ||
| Average total assets | $70,805,500 | 5,743 |
| Average earning assets | $66,932,000 | 5,662 |
| Average equity | $8,398,500 | 5,465 |
| Average total loans | $39,308,500 | 5,668 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 6,476 |
| Cost of funding earning assets | 0.8222% | 4,692 |
| Net interest margin | 3.1651% | 6,180 |
| Noninterest income to average assets | 0.1772% | 6,222 |
| Noninterest expense to average assets | 2.4127% | 5,738 |
| Loan and lease loss provision to assets | 0.1143% | 5,166 |
| Net operating income to assets | 0.6489% | 3,741 |
| Return on assets (ROA) | 0.6489% | 3,937 |
| Pretax return on assets | 0.6489% | 4,514 |
| Return on Equity (ROE) | 5.4022% | 4,199 |
| Retained earnings to average equity (ytd only) | 0.6426% | 5,545 |
| Net charge-offs to loans | -0.0079% | 6,868 |
| Credit loss provision to net charge-offs | -2,666.6667% | 6,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9676% | 2,895 |
| Assets per employee ($millions) | 4.1136% | 3,620 |
| Cash dividends to net income (ytd only)* | 88.1057% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 2,862 |
| Loan loss allowance to noncurrent loans | 325.8929% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 5,984 |
| Noncurrent loans to loans | 0.5531% | 5,611 |
| Net loans and leases to total assets | 56.8718% | 4,565 |
| Net loans and leases to deposits | 70.8299% | 3,979 |
| Net loans and leases to core deposits | 78.0405% | 3,684 |
| Total domestic deposits to total assets | 80.2934% | 5,665 |
| Equity capital to assets | 12.0619% | 2,076 |
| Core capital (leverage) ratio | 11.7087% | 1,759 |
| Tier 1 risk-based capital ratio | 17.4067% | 2,415 |
| Total risk-based capital ratio | 18.6601% | 2,384 |
| Memoranda: | ||
| Average total assets | $69,962,600 | 5,739 |
| Average earning assets | $66,285,800 | 5,658 |
| Average equity | $8,404,000 | 5,437 |
| Average total loans | $37,742,400 | 5,795 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 6,667 |
| Cost of funding earning assets | 0.8327% | 4,922 |
| Net interest margin | 3.1122% | 6,366 |
| Noninterest income to average assets | 0.2001% | 6,168 |
| Noninterest expense to average assets | 2.3800% | 5,819 |
| Loan and lease loss provision to assets | 0.1239% | 4,884 |
| Net operating income to assets | 0.6479% | 3,880 |
| Return on assets (ROA) | 0.6479% | 4,058 |
| Pretax return on assets | 0.6517% | 4,643 |
| Return on Equity (ROE) | 5.3991% | 4,335 |
| Retained earnings to average equity (ytd only) | 1.2703% | 5,499 |
| Net charge-offs to loans | -0.0072% | 6,744 |
| Credit loss provision to net charge-offs | -3,250.0000% | 6,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4227% | 2,934 |
| Assets per employee ($millions) | 4.0869% | 3,661 |
| Cash dividends to net income (ytd only)* | 76.4714% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9088% | 2,589 |
| Loan loss allowance to noncurrent loans | 234.0984% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 5,802 |
| Noncurrent loans to loans | 0.8154% | 5,235 |
| Net loans and leases to total assets | 52.8117% | 5,349 |
| Net loans and leases to deposits | 66.7091% | 4,798 |
| Net loans and leases to core deposits | 73.6506% | 4,512 |
| Total domestic deposits to total assets | 79.1672% | 5,954 |
| Equity capital to assets | 12.1911% | 2,108 |
| Core capital (leverage) ratio | 11.7042% | 1,885 |
| Tier 1 risk-based capital ratio | 18.5691% | 2,072 |
| Total risk-based capital ratio | 19.8238% | 2,031 |
| Memoranda: | ||
| Average total assets | $69,970,500 | 5,782 |
| Average earning assets | $66,446,250 | 5,695 |
| Average equity | $8,396,250 | 5,470 |
| Average total loans | $37,052,750 | 5,876 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 6,826 |
| Cost of funding earning assets | 0.8443% | 5,109 |
| Net interest margin | 3.0406% | 6,522 |
| Noninterest income to average assets | 0.2224% | 6,079 |
| Noninterest expense to average assets | 2.4353% | 5,739 |
| Loan and lease loss provision to assets | 0.1426% | 4,521 |
| Net operating income to assets | 0.5247% | 4,399 |
| Return on assets (ROA) | 0.5247% | 4,543 |
| Pretax return on assets | 0.5304% | 4,966 |
| Return on Equity (ROE) | 4.3958% | 4,742 |
| Retained earnings to average equity (ytd only) | 1.4095% | 5,283 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3486% | 2,655 |
| Assets per employee ($millions) | 3.9721% | 3,817 |
| Cash dividends to net income (ytd only)* | 67.9348% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8855% | 2,708 |
| Loan loss allowance to noncurrent loans | 432.9193% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 6,388 |
| Noncurrent loans to loans | 0.4355% | 6,036 |
| Net loans and leases to total assets | 50.7273% | 5,727 |
| Net loans and leases to deposits | 64.7025% | 5,187 |
| Net loans and leases to core deposits | 70.8559% | 4,970 |
| Total domestic deposits to total assets | 78.4008% | 6,215 |
| Equity capital to assets | 11.8283% | 2,221 |
| Core capital (leverage) ratio | 11.5333% | 1,893 |
| Tier 1 risk-based capital ratio | 18.5101% | 2,011 |
| Total risk-based capital ratio | 19.7423% | 1,966 |
| Memoranda: | ||
| Average total assets | $70,135,000 | 5,824 |
| Average earning assets | $66,565,670 | 5,737 |
| Average equity | $8,371,670 | 5,496 |
| Average total loans | $36,935,000 | 5,936 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 6,858 |
| Cost of funding earning assets | 0.8390% | 5,339 |
| Net interest margin | 3.0336% | 6,504 |
| Noninterest income to average assets | 0.2995% | 5,523 |
| Noninterest expense to average assets | 2.4074% | 5,863 |
| Loan and lease loss provision to assets | 0.2016% | 3,621 |
| Net operating income to assets | 0.5586% | 4,243 |
| Return on assets (ROA) | 0.5586% | 4,322 |
| Pretax return on assets | 0.5644% | 4,819 |
| Return on Equity (ROE) | 4.6584% | 4,575 |
| Retained earnings to average equity (ytd only) | 1.0565% | 5,401 |
| Net charge-offs to loans | 0.0108% | 4,936 |
| Credit loss provision to net charge-offs | 3,500.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 239 |
| Efficiency ratio | 75.8621% | 3,180 |
| Assets per employee ($millions) | 3.9772% | 3,882 |
| Cash dividends to net income (ytd only)* | 77.3196% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8897% | 2,723 |
| Loan loss allowance to noncurrent loans | 203.8922% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 5,887 |
| Noncurrent loans to loans | 0.9268% | 5,180 |
| Net loans and leases to total assets | 49.3875% | 5,921 |
| Net loans and leases to deposits | 61.2522% | 5,594 |
| Net loans and leases to core deposits | 66.8532% | 5,423 |
| Total domestic deposits to total assets | 80.6297% | 5,779 |
| Equity capital to assets | 11.6512% | 2,162 |
| Core capital (leverage) ratio | 11.5170% | 1,838 |
| Tier 1 risk-based capital ratio | 18.5789% | 1,932 |
| Total risk-based capital ratio | 19.8332% | 1,888 |
| Memoranda: | ||
| Average total assets | $69,453,500 | 5,877 |
| Average earning assets | $65,795,500 | 5,803 |
| Average equity | $8,329,000 | 5,512 |
| Average total loans | $36,919,500 | 5,992 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 6,156 |
| Cost of funding earning assets | 1.0607% | 5,364 |
| Net interest margin | 3.5238% | 5,143 |
| Noninterest income to average assets | 0.2602% | 5,934 |
| Noninterest expense to average assets | 2.6545% | 5,197 |
| Loan and lease loss provision to assets | 0.6651% | 2,485 |
| Net operating income to assets | 0.2251% | 5,198 |
| Return on assets (ROA) | 0.2251% | 5,351 |
| Pretax return on assets | 0.2719% | 5,309 |
| Return on Equity (ROE) | 1.8398% | 5,450 |
| Retained earnings to average equity (ytd only) | -0.9080% | 5,789 |
| Net charge-offs to loans | 1.2718% | 1,769 |
| Credit loss provision to net charge-offs | 85.2060% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.2004% | 4,909 |
| Efficiency ratio | 73.9113% | 3,413 |
| Assets per employee ($millions) | 3.7399% | 4,385 |
| Cash dividends to net income (ytd only)* | 149.3506% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7089% | 3,186 |
| Loan loss allowance to noncurrent loans | 80.0496% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.2760% | 4,484 |
| Noncurrent loans to loans | 2.1348% | 3,387 |
| Net loans and leases to total assets | 55.1947% | 5,459 |
| Net loans and leases to deposits | 69.1442% | 4,940 |
| Net loans and leases to core deposits | 75.9045% | 4,730 |
| Total domestic deposits to total assets | 79.8256% | 5,880 |
| Equity capital to assets | 12.3548% | 1,715 |
| Core capital (leverage) ratio | 11.7867% | 1,677 |
| Tier 1 risk-based capital ratio | 18.1587% | 1,950 |
| Total risk-based capital ratio | 19.4109% | 1,913 |
| Memoranda: | ||
| Average total assets | $68,413,200 | 5,921 |
| Average earning assets | $64,675,000 | 5,838 |
| Average equity | $8,370,400 | 5,595 |
| Average total loans | $41,987,200 | 5,836 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 6,369 |
| Cost of funding earning assets | 1.0987% | 5,423 |
| Net interest margin | 3.4890% | 5,341 |
| Noninterest income to average assets | 0.2291% | 6,263 |
| Noninterest expense to average assets | 2.6787% | 4,967 |
| Loan and lease loss provision to assets | 0.8114% | 1,867 |
| Net operating income to assets | -0.0291% | 6,062 |
| Return on assets (ROA) | -0.0291% | 6,179 |
| Pretax return on assets | 0.0369% | 6,030 |
| Return on Equity (ROE) | -0.2386% | 6,170 |
| Retained earnings to average equity (ytd only) | -3.8963% | 6,449 |
| Net charge-offs to loans | 1.6328% | 1,209 |
| Credit loss provision to net charge-offs | 79.3169% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.8292% | 5,226 |
| Efficiency ratio | 75.9494% | 2,957 |
| Assets per employee ($millions) | 3.8071% | 4,249 |
| Cash dividends to net income (ytd only)* | -1,533.3000% | 7,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 3,562 |
| Loan loss allowance to noncurrent loans | 28.7985% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 3.1972% | 2,243 |
| Noncurrent loans to loans | 5.5233% | 1,199 |
| Net loans and leases to total assets | 55.6138% | 5,607 |
| Net loans and leases to deposits | 68.7924% | 5,313 |
| Net loans and leases to core deposits | 75.2171% | 5,154 |
| Total domestic deposits to total assets | 80.8429% | 5,434 |
| Equity capital to assets | 11.9645% | 2,178 |
| Core capital (leverage) ratio | 11.3430% | 2,041 |
| Tier 1 risk-based capital ratio | 17.6065% | 2,135 |
| Total risk-based capital ratio | 18.8585% | 2,111 |
| Memoranda: | ||
| Average total assets | $68,687,000 | 5,986 |
| Average earning assets | $64,925,500 | 5,894 |
| Average equity | $8,383,750 | 5,663 |
| Average total loans | $43,033,500 | 5,875 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 6,034 |
| Cost of funding earning assets | 1.1561% | 5,362 |
| Net interest margin | 3.5761% | 4,917 |
| Noninterest income to average assets | 0.1978% | 6,490 |
| Noninterest expense to average assets | 2.6738% | 5,016 |
| Loan and lease loss provision to assets | 0.0756% | 6,187 |
| Net operating income to assets | 0.7797% | 3,067 |
| Return on assets (ROA) | 0.7797% | 3,211 |
| Pretax return on assets | 0.8234% | 3,803 |
| Return on Equity (ROE) | 6.3467% | 3,622 |
| Retained earnings to average equity (ytd only) | 1.6104% | 5,058 |
| Net charge-offs to loans | 0.0270% | 5,952 |
| Credit loss provision to net charge-offs | 433.3333% | 835 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 578 |
| Efficiency ratio | 74.8371% | 3,294 |
| Assets per employee ($millions) | 3.6149% | 4,664 |
| Cash dividends to net income (ytd only)* | 74.6269% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8065% | 2,699 |
| Loan loss allowance to noncurrent loans | 63.9008% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.7777% | 3,791 |
| Noncurrent loans to loans | 2.8270% | 2,833 |
| Net loans and leases to total assets | 59.1180% | 5,225 |
| Net loans and leases to deposits | 73.2052% | 4,806 |
| Net loans and leases to core deposits | 79.5471% | 4,733 |
| Total domestic deposits to total assets | 80.7565% | 5,490 |
| Equity capital to assets | 12.3349% | 1,905 |
| Core capital (leverage) ratio | 11.8184% | 1,744 |
| Tier 1 risk-based capital ratio | 17.6788% | 2,043 |
| Total risk-based capital ratio | 18.9340% | 2,014 |
| Memoranda: | ||
| Average total assets | $68,740,000 | 6,010 |
| Average earning assets | $64,875,000 | 5,928 |
| Average equity | $8,445,330 | 5,650 |
| Average total loans | $44,469,000 | 5,841 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8493% | 5,691 |
| Cost of funding earning assets | 1.2447% | 5,145 |
| Net interest margin | 3.6046% | 4,706 |
| Noninterest income to average assets | 0.2443% | 6,202 |
| Noninterest expense to average assets | 2.7105% | 4,853 |
| Loan and lease loss provision to assets | 0.1221% | 5,359 |
| Net operating income to assets | 0.7794% | 3,064 |
| Return on assets (ROA) | 0.7794% | 3,171 |
| Pretax return on assets | 0.8143% | 3,806 |
| Return on Equity (ROE) | 6.3567% | 3,694 |
| Retained earnings to average equity (ytd only) | 1.6129% | 5,134 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3222% | 3,524 |
| Assets per employee ($millions) | 3.8961% | 4,105 |
| Cash dividends to net income (ytd only)* | 74.6269% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 2,951 |
| Loan loss allowance to noncurrent loans | 60.7143% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 2.6580% | 2,736 |
| Noncurrent loans to loans | 2.8548% | 2,820 |
| Net loans and leases to total assets | 60.4714% | 5,043 |
| Net loans and leases to deposits | 74.3909% | 4,682 |
| Net loans and leases to core deposits | 80.5638% | 4,695 |
| Total domestic deposits to total assets | 81.2888% | 5,352 |
| Equity capital to assets | 12.0321% | 2,028 |
| Core capital (leverage) ratio | 11.8632% | 1,716 |
| Tier 1 risk-based capital ratio | 16.8889% | 2,306 |
| Total risk-based capital ratio | 18.1427% | 2,262 |
| Memoranda: | ||
| Average total assets | $68,768,500 | 6,079 |
| Average earning assets | $64,917,000 | 6,002 |
| Average equity | $8,432,000 | 5,705 |
| Average total loans | $46,028,000 | 5,835 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8226% | 2,564 |
| Cost of funding earning assets | 1.5619% | 5,219 |
| Net interest margin | 4.2607% | 1,853 |
| Noninterest income to average assets | 0.2770% | 6,122 |
| Noninterest expense to average assets | 2.8946% | 4,548 |
| Loan and lease loss provision to assets | 0.5823% | 3,465 |
| Net operating income to assets | 0.7883% | 2,577 |
| Return on assets (ROA) | 0.7883% | 2,666 |
| Pretax return on assets | 0.8025% | 3,234 |
| Return on Equity (ROE) | 6.5115% | 2,985 |
| Retained earnings to average equity (ytd only) | 1.2906% | 4,140 |
| Net charge-offs to loans | 0.9569% | 2,489 |
| Credit loss provision to net charge-offs | 76.7790% | 6,365 |
| Earnings coverage of net charge-offs (x) | 1.8258% | 4,355 |
| Efficiency ratio | 67.6402% | 5,072 |
| Assets per employee ($millions) | 3.7449% | 4,409 |
| Cash dividends to net income (ytd only)* | 80.1802% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 3,783 |
| Loan loss allowance to noncurrent loans | 37.8772% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 2.9284% | 2,391 |
| Noncurrent loans to loans | 3.9305% | 1,893 |
| Net loans and leases to total assets | 71.4633% | 2,894 |
| Net loans and leases to deposits | 87.6971% | 2,610 |
| Net loans and leases to core deposits | 101.4681% | 3,848 |
| Total domestic deposits to total assets | 81.4888% | 5,159 |
| Equity capital to assets | 12.5000% | 1,748 |
| Core capital (leverage) ratio | 12.2147% | 1,571 |
| Tier 1 risk-based capital ratio | 15.4911% | 2,719 |
| Total risk-based capital ratio | 16.7428% | 2,672 |
| Memoranda: | ||
| Average total assets | $70,407,400 | 5,987 |
| Average earning assets | $66,139,400 | 5,928 |
| Average equity | $8,523,400 | 5,758 |
| Average total loans | $55,803,000 | 5,428 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8884% | 2,502 |
| Cost of funding earning assets | 1.6619% | 5,099 |
| Net interest margin | 4.2265% | 1,952 |
| Noninterest income to average assets | 0.2417% | 6,504 |
| Noninterest expense to average assets | 2.7806% | 4,972 |
| Loan and lease loss provision to assets | 0.5902% | 3,024 |
| Net operating income to assets | 0.8263% | 2,703 |
| Return on assets (ROA) | 0.8263% | 2,766 |
| Pretax return on assets | 0.8357% | 3,422 |
| Return on Equity (ROE) | 6.8789% | 3,131 |
| Retained earnings to average equity (ytd only) | 6.4888% | 1,713 |
| Net charge-offs to loans | 1.0916% | 1,825 |
| Credit loss provision to net charge-offs | 66.8790% | 6,049 |
| Earnings coverage of net charge-offs (x) | 1.6157% | 4,587 |
| Efficiency ratio | 66.1024% | 5,342 |
| Assets per employee ($millions) | 3.6549% | 4,530 |
| Cash dividends to net income (ytd only)* | 5.6685% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 4,249 |
| Loan loss allowance to noncurrent loans | 34.7826% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 3.1479% | 2,171 |
| Noncurrent loans to loans | 3.8604% | 1,920 |
| Net loans and leases to total assets | 77.7303% | 1,629 |
| Net loans and leases to deposits | 96.7552% | 1,482 |
| Net loans and leases to core deposits | 113.6047% | 2,872 |
| Total domestic deposits to total assets | 80.3371% | 5,315 |
| Equity capital to assets | 13.2743% | 1,588 |
| Core capital (leverage) ratio | 12.4679% | 1,596 |
| Tier 1 risk-based capital ratio | 15.5234% | 2,815 |
| Total risk-based capital ratio | 16.7734% | 2,754 |
| Memoranda: | ||
| Average total assets | $71,157,250 | 6,004 |
| Average earning assets | $66,751,500 | 5,946 |
| Average equity | $8,547,750 | 5,808 |
| Average total loans | $57,528,750 | 5,400 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9917% | 2,218 |
| Cost of funding earning assets | 1.7090% | 5,226 |
| Net interest margin | 4.2827% | 1,693 |
| Noninterest income to average assets | 0.1700% | 7,074 |
| Noninterest expense to average assets | 2.5635% | 5,891 |
| Loan and lease loss provision to assets | 0.8088% | 2,071 |
| Net operating income to assets | 0.7512% | 3,039 |
| Return on assets (ROA) | 0.7512% | 3,142 |
| Pretax return on assets | 0.8033% | 3,657 |
| Return on Equity (ROE) | 6.4577% | 3,460 |
| Retained earnings to average equity (ytd only) | 6.4577% | 1,818 |
| Net charge-offs to loans | 1.4573% | 1,297 |
| Credit loss provision to net charge-offs | 68.1293% | 5,453 |
| Earnings coverage of net charge-offs (x) | 1.3580% | 4,511 |
| Efficiency ratio | 61.3920% | 6,331 |
| Assets per employee ($millions) | 3.4523% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 3,936 |
| Loan loss allowance to noncurrent loans | 66.0256% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.6829% | 3,666 |
| Noncurrent loans to loans | 2.0593% | 3,437 |
| Net loans and leases to total assets | 75.7582% | 2,245 |
| Net loans and leases to deposits | 93.0003% | 2,271 |
| Net loans and leases to core deposits | 107.2875% | 3,693 |
| Total domestic deposits to total assets | 81.4602% | 4,910 |
| Equity capital to assets | 12.4540% | 1,946 |
| Core capital (leverage) ratio | 11.7192% | 1,966 |
| Tier 1 risk-based capital ratio | 14.7685% | 3,118 |
| Total risk-based capital ratio | 16.0192% | 3,051 |
| Memoranda: | ||
| Average total assets | $72,946,670 | 6,005 |
| Average earning assets | $68,227,330 | 5,943 |
| Average equity | $8,486,000 | 5,844 |
| Average total loans | $59,427,000 | 5,356 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2345% | 1,491 |
| Cost of funding earning assets | 1.7334% | 5,456 |
| Net interest margin | 4.5012% | 1,124 |
| Noninterest income to average assets | 0.1816% | 6,994 |
| Noninterest expense to average assets | 2.4674% | 5,969 |
| Loan and lease loss provision to assets | 0.7744% | 1,662 |
| Net operating income to assets | 1.0895% | 1,998 |
| Return on assets (ROA) | 1.0895% | 2,126 |
| Pretax return on assets | 1.1696% | 2,729 |
| Return on Equity (ROE) | 9.6803% | 2,455 |
| Retained earnings to average equity (ytd only) | 9.6803% | 1,285 |
| Net charge-offs to loans | 0.7792% | 1,651 |
| Credit loss provision to net charge-offs | 118.8525% | 3,298 |
| Earnings coverage of net charge-offs (x) | 2.9836% | 3,313 |
| Efficiency ratio | 55.9322% | 6,973 |
| Assets per employee ($millions) | 3.5536% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 3,208 |
| Loan loss allowance to noncurrent loans | 66.8688% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.9544% | 2,974 |
| Noncurrent loans to loans | 2.1746% | 3,017 |
| Net loans and leases to total assets | 84.1034% | 673 |
| Net loans and leases to deposits | 104.9035% | 950 |
| Net loans and leases to core deposits | 120.1101% | 2,404 |
| Total domestic deposits to total assets | 80.1722% | 5,299 |
| Equity capital to assets | 12.0005% | 2,262 |
| Core capital (leverage) ratio | 11.1242% | 2,402 |
| Tier 1 risk-based capital ratio | 13.0435% | 4,163 |
| Total risk-based capital ratio | 14.2949% | 4,074 |
| Memoranda: | ||
| Average total assets | $74,897,000 | 5,978 |
| Average earning assets | $70,382,000 | 5,897 |
| Average equity | $8,429,500 | 5,910 |
| Average total loans | $62,626,000 | 5,257 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1041% | 906 |
| Cost of funding earning assets | 2.5163% | 4,109 |
| Net interest margin | 4.5878% | 1,216 |
| Noninterest income to average assets | 0.1751% | 7,178 |
| Noninterest expense to average assets | 2.4892% | 6,049 |
| Loan and lease loss provision to assets | 0.8056% | 1,840 |
| Net operating income to assets | 1.1465% | 1,965 |
| Return on assets (ROA) | 1.1465% | 1,884 |
| Pretax return on assets | 1.2123% | 2,598 |
| Return on Equity (ROE) | 10.6287% | 2,036 |
| Retained earnings to average equity (ytd only) | 2.6968% | 3,501 |
| Net charge-offs to loans | 0.6741% | 1,831 |
| Credit loss provision to net charge-offs | 148.5437% | 3,552 |
| Earnings coverage of net charge-offs (x) | 3.7209% | 4,243 |
| Efficiency ratio | 55.2278% | 7,119 |
| Assets per employee ($millions) | 3.9361% | 3,640 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 3,566 |
| Loan loss allowance to noncurrent loans | 196.3554% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.6466% | 5,277 |
| Noncurrent loans to loans | 0.6796% | 5,339 |
| Net loans and leases to total assets | 80.9608% | 1,447 |
| Net loans and leases to deposits | 100.5554% | 1,780 |
| Net loans and leases to core deposits | 124.3857% | 2,294 |
| Total domestic deposits to total assets | 80.5137% | 4,837 |
| Equity capital to assets | 10.5815% | 3,415 |
| Core capital (leverage) ratio | 10.4188% | 3,053 |
| Tier 1 risk-based capital ratio | 11.7585% | 5,012 |
| Total risk-based capital ratio | 13.0090% | 4,925 |
| Memoranda: | ||
| Average total assets | $75,969,400 | 5,838 |
| Average earning assets | $71,733,200 | 5,751 |
| Average equity | $8,194,800 | 6,004 |
| Average total loans | $61,122,600 | 5,215 |