Home > Adams Dairy Bank > Performance and Condition Ratios
Adams Dairy Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 1,187 |
| Cost of funding earning assets | 0.7972% | 966 |
| Net interest margin | 3.9541% | 1,862 |
| Noninterest income to average assets | 0.4823% | 2,921 |
| Noninterest expense to average assets | 2.2957% | 4,199 |
| Loan and lease loss provision to assets | 0.0322% | 3,075 |
| Net operating income to assets | 1.3293% | 1,544 |
| Return on assets (ROA) | 1.2861% | 1,698 |
| Pretax return on assets | 1.6720% | 1,187 |
| Return on Equity (ROE) | 14.1468% | 979 |
| Retained earnings to average equity (ytd only) | -36.2511% | 5,567 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6217% | 4,505 |
| Assets per employee ($millions) | 10.0373% | 318 |
| Cash dividends to net income (ytd only)* | 356.2500% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,576 |
| Loan loss allowance to noncurrent loans | 163.0616% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.9514% | 1,662 |
| Noncurrent loans to loans | 0.6527% | 2,592 |
| Net loans and leases to total assets | 75.6343% | 1,597 |
| Net loans and leases to deposits | 95.0533% | 1,126 |
| Net loans and leases to core deposits | 106.1883% | 1,220 |
| Total domestic deposits to total assets | 79.5704% | 4,482 |
| Equity capital to assets | 8.9640% | 4,595 |
| Core capital (leverage) ratio | 8.6965% | 4,993 |
| Tier 1 risk-based capital ratio | 12.3971% | 4,307 |
| Total risk-based capital ratio | 13.5223% | 4,289 |
| Memoranda: | ||
| Average total assets | $124,405,500 | 3,823 |
| Average earning assets | $112,389,000 | 3,880 |
| Average equity | $11,310,000 | 4,225 |
| Average total loans | $92,666,000 | 3,491 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4045% | 2,017 |
| Cost of funding earning assets | 0.6975% | 1,037 |
| Net interest margin | 3.7071% | 2,773 |
| Noninterest income to average assets | 0.5125% | 2,921 |
| Noninterest expense to average assets | 2.4484% | 3,942 |
| Loan and lease loss provision to assets | 0.1215% | 1,885 |
| Net operating income to assets | 0.7507% | 3,390 |
| Return on assets (ROA) | 0.7507% | 3,427 |
| Pretax return on assets | 1.2825% | 2,420 |
| Return on Equity (ROE) | 8.1248% | 2,737 |
| Retained earnings to average equity (ytd only) | 6.2960% | 1,382 |
| Net charge-offs to loans | 0.1809% | 1,388 |
| Credit loss provision to net charge-offs | 94.9686% | 2,703 |
| Earnings coverage of net charge-offs (x) | 10.9748% | 2,620 |
| Efficiency ratio | 63.5547% | 3,670 |
| Assets per employee ($millions) | 8.5575% | 523 |
| Cash dividends to net income (ytd only)* | 22.5080% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 3,686 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 2,374 |
| Noncurrent loans to loans | 0.3121% | 3,666 |
| Net loans and leases to total assets | 71.8914% | 2,254 |
| Net loans and leases to deposits | 94.8681% | 1,184 |
| Net loans and leases to core deposits | 109.9472% | 1,008 |
| Total domestic deposits to total assets | 75.7804% | 4,997 |
| Equity capital to assets | 9.2106% | 4,517 |
| Core capital (leverage) ratio | 9.3266% | 4,254 |
| Tier 1 risk-based capital ratio | 13.0511% | 3,879 |
| Total risk-based capital ratio | 14.1219% | 3,882 |
| Memoranda: | ||
| Average total assets | $124,287,400 | 3,832 |
| Average earning assets | $111,975,800 | 3,882 |
| Average equity | $11,483,400 | 4,227 |
| Average total loans | $87,909,000 | 3,564 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3365% | 2,153 |
| Cost of funding earning assets | 0.6867% | 1,028 |
| Net interest margin | 3.6497% | 2,953 |
| Noninterest income to average assets | 0.5213% | 2,891 |
| Noninterest expense to average assets | 2.4520% | 3,879 |
| Loan and lease loss provision to assets | 0.0973% | 2,160 |
| Net operating income to assets | 0.8458% | 3,286 |
| Return on assets (ROA) | 0.8458% | 3,339 |
| Pretax return on assets | 1.2601% | 2,667 |
| Return on Equity (ROE) | 9.1472% | 2,525 |
| Retained earnings to average equity (ytd only) | 6.6908% | 1,849 |
| Net charge-offs to loans | 0.2326% | 925 |
| Credit loss provision to net charge-offs | 59.6026% | 2,810 |
| Earnings coverage of net charge-offs (x) | 8.3112% | 2,799 |
| Efficiency ratio | 64.3668% | 3,475 |
| Assets per employee ($millions) | 9.0535% | 430 |
| Cash dividends to net income (ytd only)* | 26.8539% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,995 |
| Loan loss allowance to noncurrent loans | 187.5256% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.8158% | 2,106 |
| Noncurrent loans to loans | 0.5387% | 3,086 |
| Net loans and leases to total assets | 70.9000% | 2,422 |
| Net loans and leases to deposits | 87.9366% | 2,077 |
| Net loans and leases to core deposits | 100.5370% | 1,659 |
| Total domestic deposits to total assets | 80.6263% | 4,163 |
| Equity capital to assets | 9.2253% | 4,707 |
| Core capital (leverage) ratio | 9.1713% | 4,549 |
| Tier 1 risk-based capital ratio | 13.2383% | 3,856 |
| Total risk-based capital ratio | 14.2783% | 3,900 |
| Memoranda: | ||
| Average total assets | $123,268,500 | 3,884 |
| Average earning assets | $111,055,500 | 3,932 |
| Average equity | $11,398,500 | 4,280 |
| Average total loans | $86,573,250 | 3,623 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2416% | 2,319 |
| Cost of funding earning assets | 0.6787% | 1,000 |
| Net interest margin | 3.5629% | 3,175 |
| Noninterest income to average assets | 0.5225% | 2,878 |
| Noninterest expense to average assets | 2.4257% | 3,979 |
| Loan and lease loss provision to assets | 0.0491% | 3,006 |
| Net operating income to assets | 0.8386% | 3,206 |
| Return on assets (ROA) | 0.8386% | 3,262 |
| Pretax return on assets | 1.2464% | 2,603 |
| Return on Equity (ROE) | 9.0617% | 2,484 |
| Retained earnings to average equity (ytd only) | 6.4069% | 1,898 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1849% | 3,476 |
| Assets per employee ($millions) | 7.7118% | 688 |
| Cash dividends to net income (ytd only)* | 29.2969% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,576 |
| Loan loss allowance to noncurrent loans | 138.6520% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.9702% | 1,805 |
| Noncurrent loans to loans | 0.7945% | 2,420 |
| Net loans and leases to total assets | 69.0292% | 2,666 |
| Net loans and leases to deposits | 86.5248% | 2,162 |
| Net loans and leases to core deposits | 99.3119% | 1,698 |
| Total domestic deposits to total assets | 79.7797% | 4,463 |
| Equity capital to assets | 8.7635% | 5,093 |
| Core capital (leverage) ratio | 9.2475% | 4,438 |
| Tier 1 risk-based capital ratio | 13.1289% | 3,925 |
| Total risk-based capital ratio | 14.2833% | 3,895 |
| Memoranda: | ||
| Average total assets | $122,108,330 | 3,929 |
| Average earning assets | $109,628,670 | 3,983 |
| Average equity | $11,300,330 | 4,310 |
| Average total loans | $85,170,330 | 3,676 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 2,262 |
| Cost of funding earning assets | 0.6743% | 961 |
| Net interest margin | 3.5307% | 3,159 |
| Noninterest income to average assets | 0.5170% | 2,856 |
| Noninterest expense to average assets | 2.6970% | 3,154 |
| Loan and lease loss provision to assets | 0.0510% | 2,788 |
| Net operating income to assets | 0.6428% | 3,961 |
| Return on assets (ROA) | 0.6428% | 3,998 |
| Pretax return on assets | 0.9387% | 3,633 |
| Return on Equity (ROE) | 6.7464% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.7464% | 1,955 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1550% | 2,381 |
| Assets per employee ($millions) | 7.4968% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 3,456 |
| Loan loss allowance to noncurrent loans | 182.8729% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.8537% | 2,170 |
| Noncurrent loans to loans | 0.6251% | 2,950 |
| Net loans and leases to total assets | 67.3815% | 2,763 |
| Net loans and leases to deposits | 85.3255% | 2,109 |
| Net loans and leases to core deposits | 98.4534% | 1,623 |
| Total domestic deposits to total assets | 78.9699% | 4,830 |
| Equity capital to assets | 8.8681% | 4,938 |
| Core capital (leverage) ratio | 9.9963% | 3,504 |
| Tier 1 risk-based capital ratio | 13.4381% | 3,811 |
| Total risk-based capital ratio | 14.6200% | 3,769 |
| Memoranda: | ||
| Average total assets | $117,612,000 | 4,038 |
| Average earning assets | $105,588,500 | 4,092 |
| Average equity | $11,206,000 | 4,350 |
| Average total loans | $82,002,500 | 3,768 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 2,101 |
| Cost of funding earning assets | 0.6846% | 888 |
| Net interest margin | 3.6285% | 2,968 |
| Noninterest income to average assets | 0.5259% | 3,050 |
| Noninterest expense to average assets | 2.4998% | 4,014 |
| Loan and lease loss provision to assets | 0.0273% | 3,810 |
| Net operating income to assets | 0.8548% | 3,050 |
| Return on assets (ROA) | 0.8548% | 3,155 |
| Pretax return on assets | 1.2871% | 2,321 |
| Return on Equity (ROE) | 9.2706% | 2,284 |
| Retained earnings to average equity (ytd only) | 4.3447% | 2,808 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5394% | 3,671 |
| Assets per employee ($millions) | 7.1852% | 839 |
| Cash dividends to net income (ytd only)* | 53.1350% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,717 |
| Loan loss allowance to noncurrent loans | 127.5098% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.2173% | 1,475 |
| Noncurrent loans to loans | 0.9943% | 2,103 |
| Net loans and leases to total assets | 70.6628% | 2,385 |
| Net loans and leases to deposits | 89.5251% | 1,735 |
| Net loans and leases to core deposits | 99.3970% | 1,676 |
| Total domestic deposits to total assets | 78.9308% | 4,813 |
| Equity capital to assets | 10.3082% | 3,375 |
| Core capital (leverage) ratio | 10.2315% | 3,189 |
| Tier 1 risk-based capital ratio | 15.0294% | 2,953 |
| Total risk-based capital ratio | 16.2804% | 2,885 |
| Memoranda: | ||
| Average total assets | $110,088,600 | 4,157 |
| Average earning assets | $99,767,000 | 4,209 |
| Average equity | $10,150,400 | 4,547 |
| Average total loans | $73,930,600 | 3,944 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 2,324 |
| Cost of funding earning assets | 0.6807% | 902 |
| Net interest margin | 3.5726% | 3,190 |
| Noninterest income to average assets | 0.5120% | 3,169 |
| Noninterest expense to average assets | 2.5012% | 3,980 |
| Loan and lease loss provision to assets | 0.0181% | 3,886 |
| Net operating income to assets | 0.8301% | 3,233 |
| Return on assets (ROA) | 0.8301% | 3,363 |
| Pretax return on assets | 1.2494% | 2,622 |
| Return on Equity (ROE) | 9.2694% | 2,373 |
| Retained earnings to average equity (ytd only) | 2.5427% | 4,397 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3683% | 3,525 |
| Assets per employee ($millions) | 7.7936% | 638 |
| Cash dividends to net income (ytd only)* | 72.5692% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 3,097 |
| Loan loss allowance to noncurrent loans | 170.1413% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 1.0182% | 2,028 |
| Noncurrent loans to loans | 0.7194% | 2,873 |
| Net loans and leases to total assets | 71.2256% | 2,312 |
| Net loans and leases to deposits | 86.2255% | 2,238 |
| Net loans and leases to core deposits | 96.6641% | 1,923 |
| Total domestic deposits to total assets | 82.6040% | 3,743 |
| Equity capital to assets | 9.1641% | 5,015 |
| Core capital (leverage) ratio | 8.7990% | 5,058 |
| Tier 1 risk-based capital ratio | 13.7354% | 3,720 |
| Total risk-based capital ratio | 14.9863% | 3,632 |
| Memoranda: | ||
| Average total assets | $110,666,250 | 4,178 |
| Average earning assets | $100,877,500 | 4,218 |
| Average equity | $9,910,500 | 4,633 |
| Average total loans | $73,129,000 | 3,986 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 2,721 |
| Cost of funding earning assets | 0.6630% | 974 |
| Net interest margin | 3.4761% | 3,583 |
| Noninterest income to average assets | 0.4713% | 3,403 |
| Noninterest expense to average assets | 2.4500% | 4,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7987% | 3,317 |
| Return on assets (ROA) | 0.7987% | 3,456 |
| Pretax return on assets | 1.1998% | 2,783 |
| Return on Equity (ROE) | 8.9869% | 2,495 |
| Retained earnings to average equity (ytd only) | 2.9147% | 4,057 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1267% | 3,514 |
| Assets per employee ($millions) | 7.0398% | 862 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,817 |
| Loan loss allowance to noncurrent loans | 168.0851% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.9846% | 2,173 |
| Noncurrent loans to loans | 0.7703% | 2,822 |
| Net loans and leases to total assets | 64.1636% | 3,340 |
| Net loans and leases to deposits | 77.1535% | 3,246 |
| Net loans and leases to core deposits | 88.2819% | 2,701 |
| Total domestic deposits to total assets | 83.1636% | 3,590 |
| Equity capital to assets | 8.8461% | 5,364 |
| Core capital (leverage) ratio | 8.8778% | 4,964 |
| Tier 1 risk-based capital ratio | 13.5483% | 3,870 |
| Total risk-based capital ratio | 14.7988% | 3,782 |
| Memoranda: | ||
| Average total assets | $111,184,670 | 4,204 |
| Average earning assets | $101,664,330 | 4,234 |
| Average equity | $9,881,000 | 4,670 |
| Average total loans | $71,279,330 | 4,061 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 2,902 |
| Cost of funding earning assets | 0.6469% | 1,072 |
| Net interest margin | 3.4385% | 3,720 |
| Noninterest income to average assets | 0.3621% | 4,133 |
| Noninterest expense to average assets | 2.3719% | 4,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7786% | 3,360 |
| Return on assets (ROA) | 0.7786% | 3,462 |
| Pretax return on assets | 1.1660% | 2,833 |
| Return on Equity (ROE) | 8.7403% | 2,542 |
| Retained earnings to average equity (ytd only) | 4.6750% | 3,134 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0420% | 3,628 |
| Assets per employee ($millions) | 9.2408% | 362 |
| Cash dividends to net income (ytd only)* | 46.5116% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 2,609 |
| Loan loss allowance to noncurrent loans | 166.3158% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0055% | 2,197 |
| Noncurrent loans to loans | 0.8177% | 2,795 |
| Net loans and leases to total assets | 62.0107% | 3,525 |
| Net loans and leases to deposits | 80.6566% | 2,706 |
| Net loans and leases to core deposits | 96.4093% | 1,756 |
| Total domestic deposits to total assets | 76.8823% | 5,304 |
| Equity capital to assets | 8.9387% | 5,232 |
| Core capital (leverage) ratio | 9.2623% | 4,536 |
| Tier 1 risk-based capital ratio | 13.9287% | 3,734 |
| Total risk-based capital ratio | 15.1798% | 3,664 |
| Memoranda: | ||
| Average total assets | $110,458,500 | 4,254 |
| Average earning assets | $102,020,500 | 4,252 |
| Average equity | $9,839,500 | 4,689 |
| Average total loans | $70,309,000 | 4,108 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 2,383 |
| Cost of funding earning assets | 0.5826% | 1,478 |
| Net interest margin | 3.6690% | 2,866 |
| Noninterest income to average assets | 0.3547% | 4,367 |
| Noninterest expense to average assets | 2.3626% | 4,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9556% | 2,592 |
| Return on assets (ROA) | 0.9995% | 2,463 |
| Pretax return on assets | 1.5062% | 1,535 |
| Return on Equity (ROE) | 10.6392% | 1,737 |
| Retained earnings to average equity (ytd only) | 6.1974% | 1,705 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1374% | 4,582 |
| Assets per employee ($millions) | 8.4637% | 467 |
| Cash dividends to net income (ytd only)* | 41.7495% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 2,722 |
| Loan loss allowance to noncurrent loans | 164.2981% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 1.0197% | 2,155 |
| Noncurrent loans to loans | 0.8137% | 2,748 |
| Net loans and leases to total assets | 63.5829% | 3,339 |
| Net loans and leases to deposits | 83.8254% | 2,383 |
| Net loans and leases to core deposits | 101.7393% | 1,380 |
| Total domestic deposits to total assets | 75.8516% | 5,460 |
| Equity capital to assets | 8.8768% | 5,242 |
| Core capital (leverage) ratio | 9.4131% | 4,301 |
| Tier 1 risk-based capital ratio | 13.9361% | 3,748 |
| Total risk-based capital ratio | 15.1870% | 3,680 |
| Memoranda: | ||
| Average total assets | $100,649,800 | 4,449 |
| Average earning assets | $94,575,600 | 4,422 |
| Average equity | $9,455,600 | 4,756 |
| Average total loans | $66,168,200 | 4,194 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 2,256 |
| Cost of funding earning assets | 0.5813% | 1,531 |
| Net interest margin | 3.7114% | 2,720 |
| Noninterest income to average assets | 0.3825% | 4,201 |
| Noninterest expense to average assets | 2.3816% | 4,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9912% | 2,511 |
| Return on assets (ROA) | 1.0118% | 2,512 |
| Pretax return on assets | 1.5217% | 1,621 |
| Return on Equity (ROE) | 10.6064% | 1,858 |
| Retained earnings to average equity (ytd only) | 6.0568% | 2,209 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5061% | 4,647 |
| Assets per employee ($millions) | 8.5795% | 430 |
| Cash dividends to net income (ytd only)* | 42.8959% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 2,240 |
| Loan loss allowance to noncurrent loans | 162.6072% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.1306% | 2,111 |
| Noncurrent loans to loans | 0.9098% | 2,698 |
| Net loans and leases to total assets | 61.3186% | 3,689 |
| Net loans and leases to deposits | 75.5017% | 3,366 |
| Net loans and leases to core deposits | 87.5711% | 2,699 |
| Total domestic deposits to total assets | 81.2149% | 4,419 |
| Equity capital to assets | 9.3799% | 4,907 |
| Core capital (leverage) ratio | 9.5643% | 4,217 |
| Tier 1 risk-based capital ratio | 15.7978% | 2,899 |
| Total risk-based capital ratio | 17.0517% | 2,831 |
| Memoranda: | ||
| Average total assets | $98,305,250 | 4,542 |
| Average earning assets | $92,433,250 | 4,514 |
| Average equity | $9,377,750 | 4,835 |
| Average total loans | $64,983,500 | 4,276 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 2,083 |
| Cost of funding earning assets | 0.5767% | 1,596 |
| Net interest margin | 3.7533% | 2,504 |
| Noninterest income to average assets | 0.3659% | 4,325 |
| Noninterest expense to average assets | 2.3337% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0410% | 2,173 |
| Return on assets (ROA) | 1.0728% | 2,147 |
| Pretax return on assets | 1.6040% | 1,315 |
| Return on Equity (ROE) | 11.1797% | 1,623 |
| Retained earnings to average equity (ytd only) | 6.1176% | 2,159 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9894% | 4,983 |
| Assets per employee ($millions) | 8.2015% | 484 |
| Cash dividends to net income (ytd only)* | 45.2794% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 2,544 |
| Loan loss allowance to noncurrent loans | 160.6780% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 2,132 |
| Noncurrent loans to loans | 0.8983% | 2,882 |
| Net loans and leases to total assets | 65.7715% | 2,991 |
| Net loans and leases to deposits | 84.1449% | 2,296 |
| Net loans and leases to core deposits | 96.7926% | 1,730 |
| Total domestic deposits to total assets | 78.1646% | 5,246 |
| Equity capital to assets | 9.6110% | 4,516 |
| Core capital (leverage) ratio | 9.6525% | 4,070 |
| Tier 1 risk-based capital ratio | 15.5146% | 3,099 |
| Total risk-based capital ratio | 16.7678% | 3,043 |
| Memoranda: | ||
| Average total assets | $96,755,670 | 4,617 |
| Average earning assets | $90,854,000 | 4,582 |
| Average equity | $9,284,670 | 4,891 |
| Average total loans | $65,285,330 | 4,299 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 1,958 |
| Cost of funding earning assets | 0.5692% | 1,668 |
| Net interest margin | 3.7755% | 2,323 |
| Noninterest income to average assets | 0.3336% | 4,520 |
| Noninterest expense to average assets | 2.3227% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0091% | 2,222 |
| Return on assets (ROA) | 1.0091% | 2,357 |
| Pretax return on assets | 1.5512% | 1,388 |
| Return on Equity (ROE) | 10.5246% | 1,789 |
| Retained earnings to average equity (ytd only) | 7.6977% | 1,687 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9569% | 5,092 |
| Assets per employee ($millions) | 8.8739% | 378 |
| Cash dividends to net income (ytd only)* | 26.8595% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 2,576 |
| Loan loss allowance to noncurrent loans | 159.0604% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.2058% | 2,223 |
| Noncurrent loans to loans | 0.9243% | 2,932 |
| Net loans and leases to total assets | 65.0846% | 2,923 |
| Net loans and leases to deposits | 79.2345% | 2,654 |
| Net loans and leases to core deposits | 90.5955% | 2,078 |
| Total domestic deposits to total assets | 82.1417% | 4,471 |
| Equity capital to assets | 9.6483% | 4,581 |
| Core capital (leverage) ratio | 9.7552% | 3,948 |
| Tier 1 risk-based capital ratio | 15.8356% | 2,999 |
| Total risk-based capital ratio | 17.0890% | 2,935 |
| Memoranda: | ||
| Average total assets | $95,924,500 | 4,667 |
| Average earning assets | $89,948,500 | 4,638 |
| Average equity | $9,197,500 | 4,938 |
| Average total loans | $65,088,500 | 4,329 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4764% | 1,968 |
| Cost of funding earning assets | 0.5755% | 1,998 |
| Net interest margin | 3.9009% | 2,239 |
| Noninterest income to average assets | 0.3000% | 4,978 |
| Noninterest expense to average assets | 2.6728% | 3,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8311% | 3,217 |
| Return on assets (ROA) | 0.8796% | 3,061 |
| Pretax return on assets | 1.3619% | 2,031 |
| Return on Equity (ROE) | 9.1500% | 2,513 |
| Retained earnings to average equity (ytd only) | 7.3836% | 1,234 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4957% | 3,984 |
| Assets per employee ($millions) | 9.4236% | 295 |
| Cash dividends to net income (ytd only)* | 19.3050% | 3,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 2,726 |
| Loan loss allowance to noncurrent loans | 157.4751% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.2554% | 2,243 |
| Noncurrent loans to loans | 0.9163% | 3,024 |
| Net loans and leases to total assets | 68.7105% | 2,457 |
| Net loans and leases to deposits | 83.7884% | 2,238 |
| Net loans and leases to core deposits | 102.1438% | 1,237 |
| Total domestic deposits to total assets | 82.0048% | 4,421 |
| Equity capital to assets | 9.5261% | 4,693 |
| Core capital (leverage) ratio | 9.5237% | 4,212 |
| Tier 1 risk-based capital ratio | 15.5952% | 3,188 |
| Total risk-based capital ratio | 16.8500% | 3,114 |
| Memoranda: | ||
| Average total assets | $88,333,800 | 4,885 |
| Average earning assets | $82,879,000 | 4,824 |
| Average equity | $8,491,800 | 5,086 |
| Average total loans | $58,323,000 | 4,536 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 1,991 |
| Cost of funding earning assets | 0.5699% | 2,106 |
| Net interest margin | 3.8966% | 2,258 |
| Noninterest income to average assets | 0.3239% | 4,839 |
| Noninterest expense to average assets | 2.6725% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8489% | 3,184 |
| Return on assets (ROA) | 0.8489% | 3,277 |
| Pretax return on assets | 1.3140% | 2,320 |
| Return on Equity (ROE) | 8.8084% | 2,781 |
| Retained earnings to average equity (ytd only) | 6.4192% | 2,157 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0389% | 4,038 |
| Assets per employee ($millions) | 8.5125% | 417 |
| Cash dividends to net income (ytd only)* | 27.1256% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 2,421 |
| Loan loss allowance to noncurrent loans | 156.4356% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 1.3029% | 2,376 |
| Noncurrent loans to loans | 1.0026% | 3,058 |
| Net loans and leases to total assets | 63.5390% | 3,256 |
| Net loans and leases to deposits | 79.4912% | 2,773 |
| Net loans and leases to core deposits | 94.9248% | 1,767 |
| Total domestic deposits to total assets | 79.9321% | 5,116 |
| Equity capital to assets | 9.3553% | 4,971 |
| Core capital (leverage) ratio | 9.7745% | 3,961 |
| Tier 1 risk-based capital ratio | 16.1837% | 2,967 |
| Total risk-based capital ratio | 17.4394% | 2,919 |
| Memoranda: | ||
| Average total assets | $86,858,250 | 4,961 |
| Average earning assets | $81,642,250 | 4,914 |
| Average equity | $8,370,500 | 5,153 |
| Average total loans | $56,479,250 | 4,645 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 1,722 |
| Cost of funding earning assets | 0.5681% | 2,181 |
| Net interest margin | 3.9665% | 1,912 |
| Noninterest income to average assets | 0.3239% | 4,822 |
| Noninterest expense to average assets | 2.7991% | 3,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8038% | 3,308 |
| Return on assets (ROA) | 0.8038% | 3,412 |
| Pretax return on assets | 1.2388% | 2,506 |
| Return on Equity (ROE) | 8.2518% | 2,958 |
| Retained earnings to average equity (ytd only) | 4.6113% | 3,223 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3208% | 3,775 |
| Assets per employee ($millions) | 6.9661% | 811 |
| Cash dividends to net income (ytd only)* | 44.1176% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 2,312 |
| Loan loss allowance to noncurrent loans | 156.4356% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.3472% | 2,432 |
| Noncurrent loans to loans | 1.0506% | 3,127 |
| Net loans and leases to total assets | 62.6498% | 3,294 |
| Net loans and leases to deposits | 78.8643% | 2,680 |
| Net loans and leases to core deposits | 92.2941% | 1,920 |
| Total domestic deposits to total assets | 79.4399% | 5,356 |
| Equity capital to assets | 9.4292% | 4,810 |
| Core capital (leverage) ratio | 9.7375% | 3,986 |
| Tier 1 risk-based capital ratio | 16.5883% | 2,786 |
| Total risk-based capital ratio | 17.8455% | 2,753 |
| Memoranda: | ||
| Average total assets | $84,598,670 | 5,047 |
| Average earning assets | $79,212,670 | 5,001 |
| Average equity | $8,240,670 | 5,204 |
| Average total loans | $55,157,670 | 4,713 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 2,205 |
| Cost of funding earning assets | 0.5663% | 2,280 |
| Net interest margin | 3.8170% | 2,398 |
| Noninterest income to average assets | 0.3186% | 4,828 |
| Noninterest expense to average assets | 2.7935% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6910% | 3,732 |
| Return on assets (ROA) | 0.6910% | 3,809 |
| Pretax return on assets | 1.0929% | 2,939 |
| Return on Equity (ROE) | 6.9703% | 3,491 |
| Retained earnings to average equity (ytd only) | -0.4449% | 5,633 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8789% | 3,512 |
| Assets per employee ($millions) | 7.7947% | 537 |
| Cash dividends to net income (ytd only)* | 106.3830% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6692% | 2,442 |
| Loan loss allowance to noncurrent loans | 60.7303% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.5367% | 1,249 |
| Noncurrent loans to loans | 2.7486% | 1,222 |
| Net loans and leases to total assets | 65.1303% | 2,716 |
| Net loans and leases to deposits | 85.9006% | 1,615 |
| Net loans and leases to core deposits | 101.8568% | 994 |
| Total domestic deposits to total assets | 75.8205% | 6,091 |
| Equity capital to assets | 9.6417% | 4,307 |
| Core capital (leverage) ratio | 10.1928% | 3,301 |
| Tier 1 risk-based capital ratio | 16.3413% | 2,982 |
| Total risk-based capital ratio | 17.5996% | 2,943 |
| Memoranda: | ||
| Average total assets | $81,618,500 | 5,172 |
| Average earning assets | $76,290,500 | 5,105 |
| Average equity | $8,091,500 | 5,265 |
| Average total loans | $53,895,000 | 4,794 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 2,689 |
| Cost of funding earning assets | 0.6626% | 2,099 |
| Net interest margin | 3.7070% | 3,024 |
| Noninterest income to average assets | 0.0827% | 6,449 |
| Noninterest expense to average assets | 3.0262% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3418% | 5,371 |
| Return on assets (ROA) | 0.4257% | 5,168 |
| Pretax return on assets | 0.6237% | 4,792 |
| Return on Equity (ROE) | 4.0031% | 5,110 |
| Retained earnings to average equity (ytd only) | 4.0031% | 3,346 |
| Net charge-offs to loans | -0.0892% | 6,451 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8131% | 1,431 |
| Assets per employee ($millions) | 7.0450% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8589% | 1,899 |
| Loan loss allowance to noncurrent loans | 97.9339% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 2.0414% | 1,761 |
| Noncurrent loans to loans | 1.8981% | 2,119 |
| Net loans and leases to total assets | 64.5848% | 2,938 |
| Net loans and leases to deposits | 82.2582% | 2,153 |
| Net loans and leases to core deposits | 97.4475% | 1,349 |
| Total domestic deposits to total assets | 78.5147% | 5,734 |
| Equity capital to assets | 10.2149% | 3,491 |
| Core capital (leverage) ratio | 10.4062% | 3,015 |
| Tier 1 risk-based capital ratio | 17.8442% | 2,292 |
| Total risk-based capital ratio | 19.1037% | 2,257 |
| Memoranda: | ||
| Average total assets | $73,755,400 | 5,382 |
| Average earning assets | $68,518,600 | 5,334 |
| Average equity | $7,844,000 | 5,385 |
| Average total loans | $50,430,800 | 4,947 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 2,734 |
| Cost of funding earning assets | 0.6708% | 2,170 |
| Net interest margin | 3.6894% | 3,067 |
| Noninterest income to average assets | 0.0147% | 6,705 |
| Noninterest expense to average assets | 3.0613% | 2,788 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2584% | 5,759 |
| Return on assets (ROA) | 0.3717% | 5,500 |
| Pretax return on assets | 0.5438% | 5,222 |
| Return on Equity (ROE) | 3.4585% | 5,457 |
| Retained earnings to average equity (ytd only) | 3.4585% | 4,227 |
| Net charge-offs to loans | -0.1193% | 6,535 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0309% | 1,083 |
| Assets per employee ($millions) | 5.8809% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8801% | 2,060 |
| Loan loss allowance to noncurrent loans | 94.9900% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 2.1294% | 1,871 |
| Noncurrent loans to loans | 1.9793% | 2,275 |
| Net loans and leases to total assets | 64.7125% | 2,867 |
| Net loans and leases to deposits | 84.5709% | 1,803 |
| Net loans and leases to core deposits | 98.0285% | 1,241 |
| Total domestic deposits to total assets | 76.5186% | 6,109 |
| Equity capital to assets | 10.2626% | 3,561 |
| Core capital (leverage) ratio | 10.7965% | 2,674 |
| Tier 1 risk-based capital ratio | 17.7881% | 2,411 |
| Total risk-based capital ratio | 19.0478% | 2,374 |
| Memoranda: | ||
| Average total assets | $72,820,500 | 5,449 |
| Average earning assets | $67,578,500 | 5,415 |
| Average equity | $7,826,000 | 5,442 |
| Average total loans | $50,289,000 | 4,986 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 2,736 |
| Cost of funding earning assets | 0.6899% | 2,144 |
| Net interest margin | 3.6663% | 3,096 |
| Noninterest income to average assets | -0.2206% | 6,874 |
| Noninterest expense to average assets | 3.1225% | 2,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0402% | 6,256 |
| Return on assets (ROA) | 0.2206% | 5,965 |
| Pretax return on assets | 0.3100% | 5,851 |
| Return on Equity (ROE) | 2.0206% | 5,950 |
| Retained earnings to average equity (ytd only) | 2.0206% | 4,986 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2425% | 557 |
| Assets per employee ($millions) | 4.9942% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9141% | 2,079 |
| Loan loss allowance to noncurrent loans | 83.5338% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 2.4471% | 1,737 |
| Noncurrent loans to loans | 2.2914% | 2,065 |
| Net loans and leases to total assets | 66.1809% | 2,556 |
| Net loans and leases to deposits | 81.1579% | 2,161 |
| Net loans and leases to core deposits | 85.7146% | 2,360 |
| Total domestic deposits to total assets | 81.5458% | 5,199 |
| Equity capital to assets | 11.1500% | 2,611 |
| Core capital (leverage) ratio | 11.1925% | 2,178 |
| Tier 1 risk-based capital ratio | 18.9948% | 1,992 |
| Total risk-based capital ratio | 20.2568% | 1,955 |
| Memoranda: | ||
| Average total assets | $71,610,000 | 5,519 |
| Average earning assets | $66,388,330 | 5,483 |
| Average equity | $7,819,330 | 5,476 |
| Average total loans | $50,244,670 | 5,013 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 1,971 |
| Cost of funding earning assets | 0.7072% | 2,148 |
| Net interest margin | 3.8477% | 2,293 |
| Noninterest income to average assets | 0.0552% | 6,716 |
| Noninterest expense to average assets | 2.9094% | 3,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4524% | 4,902 |
| Return on assets (ROA) | 0.7839% | 3,387 |
| Pretax return on assets | 1.1925% | 2,605 |
| Return on Equity (ROE) | 7.2532% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.2532% | 2,047 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8282% | 2,203 |
| Assets per employee ($millions) | 5.4232% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 2,710 |
| Loan loss allowance to noncurrent loans | 15,050.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 1.5730% | 2,904 |
| Noncurrent loans to loans | 0.0118% | 6,466 |
| Net loans and leases to total assets | 70.8586% | 1,539 |
| Net loans and leases to deposits | 87.0344% | 1,245 |
| Net loans and leases to core deposits | 91.3974% | 1,569 |
| Total domestic deposits to total assets | 81.4144% | 5,389 |
| Equity capital to assets | 11.1743% | 2,771 |
| Core capital (leverage) ratio | 11.4267% | 1,919 |
| Tier 1 risk-based capital ratio | 18.6703% | 2,134 |
| Total risk-based capital ratio | 19.9317% | 2,103 |
| Memoranda: | ||
| Average total assets | $72,455,500 | 5,550 |
| Average earning assets | $66,741,500 | 5,524 |
| Average equity | $7,831,000 | 5,529 |
| Average total loans | $51,779,000 | 4,995 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 1,809 |
| Cost of funding earning assets | 0.8960% | 1,958 |
| Net interest margin | 4.0138% | 2,342 |
| Noninterest income to average assets | 0.1625% | 6,222 |
| Noninterest expense to average assets | 2.9721% | 3,375 |
| Loan and lease loss provision to assets | -0.6313% | 7,053 |
| Net operating income to assets | 0.9456% | 2,572 |
| Return on assets (ROA) | 0.9766% | 2,666 |
| Pretax return on assets | 1.5173% | 1,631 |
| Return on Equity (ROE) | 8.3391% | 2,939 |
| Retained earnings to average equity (ytd only) | 8.3391% | 1,016 |
| Net charge-offs to loans | -0.9144% | 7,023 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0148% | 2,443 |
| Assets per employee ($millions) | 5.7238% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7135% | 2,882 |
| Loan loss allowance to noncurrent loans | 12,900.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 1.9151% | 2,551 |
| Noncurrent loans to loans | 0.0133% | 6,511 |
| Net loans and leases to total assets | 69.6089% | 1,917 |
| Net loans and leases to deposits | 93.4339% | 791 |
| Net loans and leases to core deposits | 98.2921% | 1,129 |
| Total domestic deposits to total assets | 74.5007% | 6,487 |
| Equity capital to assets | 10.4610% | 3,572 |
| Core capital (leverage) ratio | 11.5116% | 1,867 |
| Tier 1 risk-based capital ratio | 17.4509% | 2,468 |
| Total risk-based capital ratio | 18.7078% | 2,438 |
| Memoranda: | ||
| Average total assets | $63,996,200 | 5,817 |
| Average earning assets | $58,149,400 | 5,810 |
| Average equity | $7,494,800 | 5,641 |
| Average total loans | $44,183,600 | 5,321 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0319% | 1,603 |
| Cost of funding earning assets | 0.9580% | 1,801 |
| Net interest margin | 4.0739% | 2,198 |
| Noninterest income to average assets | 0.0565% | 6,779 |
| Noninterest expense to average assets | 3.0991% | 2,896 |
| Loan and lease loss provision to assets | -0.8774% | 7,165 |
| Net operating income to assets | 0.9431% | 2,777 |
| Return on assets (ROA) | 0.9556% | 2,943 |
| Pretax return on assets | 1.5485% | 1,725 |
| Return on Equity (ROE) | 7.9037% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.9037% | 1,654 |
| Net charge-offs to loans | -1.2808% | 7,125 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6288% | 1,741 |
| Assets per employee ($millions) | 5.4767% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 2,349 |
| Loan loss allowance to noncurrent loans | 11,287.5000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 2.1896% | 2,442 |
| Noncurrent loans to loans | 0.0172% | 6,604 |
| Net loans and leases to total assets | 69.3274% | 2,049 |
| Net loans and leases to deposits | 87.9847% | 1,352 |
| Net loans and leases to core deposits | 89.3653% | 2,059 |
| Total domestic deposits to total assets | 78.7949% | 5,921 |
| Equity capital to assets | 11.6144% | 2,630 |
| Core capital (leverage) ratio | 11.9896% | 1,660 |
| Tier 1 risk-based capital ratio | 19.7195% | 1,822 |
| Total risk-based capital ratio | 20.9838% | 1,796 |
| Memoranda: | ||
| Average total assets | $61,392,750 | 5,955 |
| Average earning assets | $55,670,250 | 5,942 |
| Average equity | $7,422,500 | 5,721 |
| Average total loans | $42,054,750 | 5,484 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0590% | 1,634 |
| Cost of funding earning assets | 1.0096% | 1,711 |
| Net interest margin | 4.0494% | 2,298 |
| Noninterest income to average assets | -0.3203% | 7,158 |
| Noninterest expense to average assets | 3.1359% | 2,801 |
| Loan and lease loss provision to assets | -1.3478% | 7,233 |
| Net operating income to assets | 0.9741% | 2,574 |
| Return on assets (ROA) | 0.9741% | 2,810 |
| Pretax return on assets | 1.5713% | 1,635 |
| Return on Equity (ROE) | 7.9431% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.9431% | 1,657 |
| Net charge-offs to loans | -1.9909% | 7,191 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3466% | 842 |
| Assets per employee ($millions) | 4.4769% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0740% | 2,050 |
| Loan loss allowance to noncurrent loans | 10,033.3333% | 71 |
| Noncurrent assets plus other real estate owned to assets | 2.2975% | 2,436 |
| Noncurrent loans to loans | 0.0207% | 6,639 |
| Net loans and leases to total assets | 68.0260% | 2,287 |
| Net loans and leases to deposits | 85.3061% | 1,685 |
| Net loans and leases to core deposits | 86.6938% | 2,335 |
| Total domestic deposits to total assets | 79.7434% | 5,808 |
| Equity capital to assets | 11.9168% | 2,205 |
| Core capital (leverage) ratio | 11.5968% | 1,837 |
| Tier 1 risk-based capital ratio | 20.2496% | 1,649 |
| Total risk-based capital ratio | 21.5141% | 1,611 |
| Memoranda: | ||
| Average total assets | $59,950,330 | 6,028 |
| Average earning assets | $54,476,670 | 6,018 |
| Average equity | $7,352,330 | 5,753 |
| Average total loans | $40,584,670 | 5,575 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3375% | 1,030 |
| Cost of funding earning assets | 1.0478% | 1,692 |
| Net interest margin | 4.2898% | 1,506 |
| Noninterest income to average assets | 0.2321% | 5,967 |
| Noninterest expense to average assets | 3.0109% | 3,205 |
| Loan and lease loss provision to assets | -2.2530% | 7,301 |
| Net operating income to assets | 2.1301% | 331 |
| Return on assets (ROA) | 2.1301% | 386 |
| Pretax return on assets | 3.3318% | 138 |
| Return on Equity (ROE) | 17.1100% | 652 |
| Retained earnings to average equity (ytd only) | 17.1100% | 302 |
| Net charge-offs to loans | -3.3753% | 7,256 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6227% | 3,149 |
| Assets per employee ($millions) | 6.1833% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2954% | 1,684 |
| Loan loss allowance to noncurrent loans | 5,016.6667% | 109 |
| Noncurrent assets plus other real estate owned to assets | 3.4173% | 1,680 |
| Noncurrent loans to loans | 0.0458% | 6,636 |
| Net loans and leases to total assets | 62.1626% | 3,227 |
| Net loans and leases to deposits | 78.3150% | 2,448 |
| Net loans and leases to core deposits | 82.2692% | 2,791 |
| Total domestic deposits to total assets | 79.3751% | 6,002 |
| Equity capital to assets | 12.0567% | 2,002 |
| Core capital (leverage) ratio | 11.7220% | 1,754 |
| Tier 1 risk-based capital ratio | 21.2219% | 1,447 |
| Total risk-based capital ratio | 22.4879% | 1,416 |
| Memoranda: | ||
| Average total assets | $58,587,500 | 6,105 |
| Average earning assets | $52,683,500 | 6,113 |
| Average equity | $7,294,000 | 5,791 |
| Average total loans | $39,107,500 | 5,679 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 1,145 |
| Cost of funding earning assets | 1.2137% | 1,939 |
| Net interest margin | 4.2971% | 1,706 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 3.3325% | 2,412 |
| Loan and lease loss provision to assets | 1.0792% | 845 |
| Net operating income to assets | -0.3907% | 6,409 |
| Return on assets (ROA) | -0.3907% | 6,459 |
| Pretax return on assets | -0.6107% | 6,556 |
| Return on Equity (ROE) | -2.8505% | 6,398 |
| Retained earnings to average equity (ytd only) | -2.8505% | 6,253 |
| Net charge-offs to loans | 1.0655% | 1,624 |
| Credit loss provision to net charge-offs | 136.1244% | 2,197 |
| Earnings coverage of net charge-offs (x) | 0.5909% | 5,383 |
| Efficiency ratio | 87.6747% | 1,383 |
| Assets per employee ($millions) | 5.5342% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3228% | 1,589 |
| Loan loss allowance to noncurrent loans | 267.1598% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 4.4957% | 1,223 |
| Noncurrent loans to loans | 0.8695% | 4,947 |
| Net loans and leases to total assets | 68.6133% | 2,290 |
| Net loans and leases to deposits | 88.0510% | 1,374 |
| Net loans and leases to core deposits | 93.1462% | 1,782 |
| Total domestic deposits to total assets | 77.9245% | 6,206 |
| Equity capital to assets | 12.8889% | 1,552 |
| Core capital (leverage) ratio | 12.2878% | 1,448 |
| Tier 1 risk-based capital ratio | 19.2753% | 1,827 |
| Total risk-based capital ratio | 20.5436% | 1,789 |
| Memoranda: | ||
| Average total assets | $52,723,400 | 6,275 |
| Average earning assets | $46,635,800 | 6,307 |
| Average equity | $7,226,800 | 5,798 |
| Average total loans | $39,231,800 | 5,728 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4893% | 1,274 |
| Cost of funding earning assets | 1.2360% | 2,084 |
| Net interest margin | 4.2533% | 1,900 |
| Noninterest income to average assets | 0.0640% | 6,902 |
| Noninterest expense to average assets | 3.2956% | 2,511 |
| Loan and lease loss provision to assets | 1.4058% | 513 |
| Net operating income to assets | -0.5326% | 6,650 |
| Return on assets (ROA) | -0.5326% | 6,699 |
| Pretax return on assets | -0.8834% | 6,824 |
| Return on Equity (ROE) | -3.8251% | 6,619 |
| Retained earnings to average equity (ytd only) | -3.8251% | 6,498 |
| Net charge-offs to loans | 1.4174% | 1,048 |
| Credit loss provision to net charge-offs | 131.3397% | 2,424 |
| Earnings coverage of net charge-offs (x) | 0.4880% | 5,255 |
| Efficiency ratio | 86.3179% | 1,504 |
| Assets per employee ($millions) | 5.5059% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1249% | 2,011 |
| Loan loss allowance to noncurrent loans | 241.2568% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 4.5824% | 1,301 |
| Noncurrent loans to loans | 0.8808% | 5,097 |
| Net loans and leases to total assets | 73.8680% | 1,342 |
| Net loans and leases to deposits | 95.0102% | 757 |
| Net loans and leases to core deposits | 100.5464% | 1,198 |
| Total domestic deposits to total assets | 77.7475% | 6,238 |
| Equity capital to assets | 12.9588% | 1,634 |
| Core capital (leverage) ratio | 12.9397% | 1,250 |
| Tier 1 risk-based capital ratio | 18.2488% | 2,173 |
| Total risk-based capital ratio | 19.5129% | 2,132 |
| Memoranda: | ||
| Average total assets | $52,068,750 | 6,356 |
| Average earning assets | $45,955,250 | 6,386 |
| Average equity | $7,250,250 | 5,829 |
| Average total loans | $39,321,000 | 5,774 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5656% | 1,136 |
| Cost of funding earning assets | 1.2912% | 1,999 |
| Net interest margin | 4.2744% | 1,750 |
| Noninterest income to average assets | 0.1645% | 6,479 |
| Noninterest expense to average assets | 3.1798% | 2,971 |
| Loan and lease loss provision to assets | 1.4411% | 499 |
| Net operating income to assets | -0.4229% | 6,633 |
| Return on assets (ROA) | -0.4229% | 6,660 |
| Pretax return on assets | -0.6971% | 6,766 |
| Return on Equity (ROE) | -2.9635% | 6,589 |
| Retained earnings to average equity (ytd only) | -2.9635% | 6,370 |
| Net charge-offs to loans | 1.7783% | 796 |
| Credit loss provision to net charge-offs | 107.2886% | 2,871 |
| Earnings coverage of net charge-offs (x) | 0.5539% | 4,889 |
| Efficiency ratio | 80.2395% | 2,355 |
| Assets per employee ($millions) | 5.7183% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0702% | 2,183 |
| Loan loss allowance to noncurrent loans | 67.9790% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 5.1958% | 1,170 |
| Noncurrent loans to loans | 3.0453% | 2,375 |
| Net loans and leases to total assets | 71.4194% | 1,901 |
| Net loans and leases to deposits | 93.8371% | 882 |
| Net loans and leases to core deposits | 93.8371% | 1,912 |
| Total domestic deposits to total assets | 76.1100% | 6,584 |
| Equity capital to assets | 14.0095% | 1,092 |
| Core capital (leverage) ratio | 13.3808% | 1,038 |
| Tier 1 risk-based capital ratio | 18.9773% | 1,858 |
| Total risk-based capital ratio | 20.2376% | 1,817 |
| Memoranda: | ||
| Average total assets | $51,072,000 | 6,448 |
| Average earning assets | $44,918,670 | 6,476 |
| Average equity | $7,288,670 | 5,842 |
| Average total loans | $38,576,670 | 5,864 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7390% | 818 |
| Cost of funding earning assets | 1.3763% | 1,736 |
| Net interest margin | 4.3627% | 1,386 |
| Noninterest income to average assets | 0.2988% | 5,529 |
| Noninterest expense to average assets | 3.0191% | 3,560 |
| Loan and lease loss provision to assets | 0.5740% | 1,504 |
| Net operating income to assets | 0.3302% | 5,266 |
| Return on assets (ROA) | 0.3302% | 5,344 |
| Pretax return on assets | 0.5189% | 4,961 |
| Return on Equity (ROE) | 2.2926% | 5,690 |
| Retained earnings to average equity (ytd only) | 2.2926% | 4,779 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6577% | 3,739 |
| Assets per employee ($millions) | 5.5627% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1631% | 2,048 |
| Loan loss allowance to noncurrent loans | 90.8590% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 4.8718% | 1,304 |
| Noncurrent loans to loans | 2.3807% | 3,109 |
| Net loans and leases to total assets | 74.5346% | 1,265 |
| Net loans and leases to deposits | 99.3292% | 508 |
| Net loans and leases to core deposits | 99.3292% | 1,398 |
| Total domestic deposits to total assets | 75.0380% | 6,782 |
| Equity capital to assets | 14.6792% | 834 |
| Core capital (leverage) ratio | 14.2051% | 806 |
| Tier 1 risk-based capital ratio | 19.7940% | 1,629 |
| Total risk-based capital ratio | 21.0562% | 1,603 |
| Memoranda: | ||
| Average total assets | $50,875,500 | 6,503 |
| Average earning assets | $44,467,500 | 6,546 |
| Average equity | $7,328,000 | 5,834 |
| Average total loans | $39,098,500 | 5,888 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8329% | 1,190 |
| Cost of funding earning assets | 1.4906% | 2,703 |
| Net interest margin | 4.3423% | 1,675 |
| Noninterest income to average assets | 0.2802% | 5,773 |
| Noninterest expense to average assets | 3.4466% | 2,317 |
| Loan and lease loss provision to assets | 0.4742% | 3,295 |
| Net operating income to assets | 0.1056% | 5,574 |
| Return on assets (ROA) | 0.1056% | 5,713 |
| Pretax return on assets | 0.2587% | 5,340 |
| Return on Equity (ROE) | 0.6769% | 5,790 |
| Retained earnings to average equity (ytd only) | 0.6769% | 5,233 |
| Net charge-offs to loans | 0.3292% | 4,360 |
| Credit loss provision to net charge-offs | 178.8618% | 1,850 |
| Earnings coverage of net charge-offs (x) | 2.7642% | 3,691 |
| Efficiency ratio | 81.4337% | 2,232 |
| Assets per employee ($millions) | 6.4609% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 2,623 |
| Loan loss allowance to noncurrent loans | 96.6581% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 3.2387% | 2,180 |
| Noncurrent loans to loans | 1.9422% | 3,645 |
| Net loans and leases to total assets | 76.0443% | 1,261 |
| Net loans and leases to deposits | 104.0641% | 398 |
| Net loans and leases to core deposits | 104.0641% | 1,305 |
| Total domestic deposits to total assets | 73.0745% | 6,991 |
| Equity capital to assets | 14.1370% | 995 |
| Core capital (leverage) ratio | 13.9381% | 856 |
| Tier 1 risk-based capital ratio | 19.2398% | 1,662 |
| Total risk-based capital ratio | 20.2275% | 1,694 |
| Memoranda: | ||
| Average total assets | $46,393,400 | 6,654 |
| Average earning assets | $41,660,400 | 6,652 |
| Average equity | $7,239,200 | 5,951 |
| Average total loans | $37,359,600 | 6,048 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9178% | 1,090 |
| Cost of funding earning assets | 1.4876% | 3,052 |
| Net interest margin | 4.4302% | 1,425 |
| Noninterest income to average assets | 0.2781% | 5,880 |
| Noninterest expense to average assets | 3.5351% | 1,947 |
| Loan and lease loss provision to assets | 0.6508% | 2,349 |
| Net operating income to assets | -0.0059% | 6,010 |
| Return on assets (ROA) | -0.0059% | 6,140 |
| Pretax return on assets | 0.1006% | 5,913 |
| Return on Equity (ROE) | -0.0370% | 6,137 |
| Retained earnings to average equity (ytd only) | -0.0370% | 5,793 |
| Net charge-offs to loans | 0.0036% | 6,630 |
| Credit loss provision to net charge-offs | 22,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 254.6316% | 129 |
| Efficiency ratio | 81.4355% | 2,140 |
| Assets per employee ($millions) | 4.3974% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3763% | 1,505 |
| Loan loss allowance to noncurrent loans | 97.2191% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 3.7109% | 1,915 |
| Noncurrent loans to loans | 2.4443% | 3,184 |
| Net loans and leases to total assets | 74.2304% | 1,754 |
| Net loans and leases to deposits | 104.1267% | 422 |
| Net loans and leases to core deposits | 104.1267% | 1,474 |
| Total domestic deposits to total assets | 71.2886% | 7,198 |
| Equity capital to assets | 15.0152% | 891 |
| Core capital (leverage) ratio | 14.6553% | 782 |
| Tier 1 risk-based capital ratio | 20.4609% | 1,455 |
| Total risk-based capital ratio | 21.4319% | 1,480 |
| Memoranda: | ||
| Average total assets | $45,070,000 | 6,778 |
| Average earning assets | $40,779,750 | 6,767 |
| Average equity | $7,222,250 | 6,036 |
| Average total loans | $36,685,250 | 6,165 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0363% | 865 |
| Cost of funding earning assets | 1.4690% | 3,435 |
| Net interest margin | 4.5674% | 1,069 |
| Noninterest income to average assets | 0.2775% | 5,932 |
| Noninterest expense to average assets | 3.8436% | 1,278 |
| Loan and lease loss provision to assets | 1.0007% | 1,455 |
| Net operating income to assets | -0.2684% | 6,438 |
| Return on assets (ROA) | -0.2684% | 6,482 |
| Pretax return on assets | -0.4230% | 6,531 |
| Return on Equity (ROE) | -1.6369% | 6,390 |
| Retained earnings to average equity (ytd only) | -1.6369% | 6,091 |
| Net charge-offs to loans | 0.0055% | 6,297 |
| Credit loss provision to net charge-offs | 22,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 267 |
| Efficiency ratio | 85.9053% | 1,721 |
| Assets per employee ($millions) | 4.1944% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3111% | 1,561 |
| Loan loss allowance to noncurrent loans | 44.5010% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 4.2568% | 1,575 |
| Noncurrent loans to loans | 5.1933% | 1,316 |
| Net loans and leases to total assets | 80.0728% | 787 |
| Net loans and leases to deposits | 117.8287% | 155 |
| Net loans and leases to core deposits | 117.8287% | 773 |
| Total domestic deposits to total assets | 67.9570% | 7,431 |
| Equity capital to assets | 15.6184% | 743 |
| Core capital (leverage) ratio | 15.0791% | 708 |
| Tier 1 risk-based capital ratio | 19.9769% | 1,523 |
| Total risk-based capital ratio | 20.9478% | 1,542 |
| Memoranda: | ||
| Average total assets | $43,969,670 | 6,868 |
| Average earning assets | $39,891,670 | 6,847 |
| Average equity | $7,208,670 | 6,065 |
| Average total loans | $36,653,670 | 6,211 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2265% | 608 |
| Cost of funding earning assets | 1.5282% | 3,381 |
| Net interest margin | 4.6983% | 781 |
| Noninterest income to average assets | 0.2705% | 5,992 |
| Noninterest expense to average assets | 4.2159% | 793 |
| Loan and lease loss provision to assets | 1.9587% | 572 |
| Net operating income to assets | -1.0260% | 7,118 |
| Return on assets (ROA) | -1.0260% | 7,140 |
| Pretax return on assets | -1.6602% | 7,304 |
| Return on Equity (ROE) | -6.1026% | 6,947 |
| Retained earnings to average equity (ytd only) | -6.1026% | 6,671 |
| Net charge-offs to loans | 0.0111% | 5,430 |
| Credit loss provision to net charge-offs | 21,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 837 |
| Efficiency ratio | 92.3554% | 1,252 |
| Assets per employee ($millions) | 4.6069% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3813% | 1,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 85.4252% | 256 |
| Net loans and leases to deposits | 132.3778% | 71 |
| Net loans and leases to core deposits | 132.3778% | 431 |
| Total domestic deposits to total assets | 64.5314% | 7,663 |
| Equity capital to assets | 17.2568% | 502 |
| Core capital (leverage) ratio | 16.5706% | 496 |
| Tier 1 risk-based capital ratio | 21.2911% | 1,298 |
| Total risk-based capital ratio | 22.2410% | 1,315 |
| Memoranda: | ||
| Average total assets | $42,885,500 | 6,988 |
| Average earning assets | $38,737,500 | 6,988 |
| Average equity | $7,210,000 | 6,111 |
| Average total loans | $36,071,500 | 6,310 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1967% | 1,248 |
| Cost of funding earning assets | 2.0500% | 2,725 |
| Net interest margin | 4.1466% | 2,259 |
| Noninterest income to average assets | 0.2281% | 6,484 |
| Noninterest expense to average assets | 3.7967% | 1,701 |
| Loan and lease loss provision to assets | 0.5196% | 3,774 |
| Net operating income to assets | -0.1597% | 5,779 |
| Return on assets (ROA) | -0.1597% | 5,781 |
| Pretax return on assets | -0.2484% | 5,763 |
| Return on Equity (ROE) | -0.8653% | 5,679 |
| Retained earnings to average equity (ytd only) | -0.8653% | 5,218 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5234% | 1,524 |
| Assets per employee ($millions) | 5.5386% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 2,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 79.4534% | 1,101 |
| Net loans and leases to deposits | 138.2377% | 65 |
| Net loans and leases to core deposits | 154.6317% | 419 |
| Total domestic deposits to total assets | 57.4759% | 7,838 |
| Equity capital to assets | 16.3962% | 641 |
| Core capital (leverage) ratio | 15.8913% | 632 |
| Tier 1 risk-based capital ratio | 21.0401% | 1,281 |
| Total risk-based capital ratio | 21.9991% | 1,304 |
| Memoranda: | ||
| Average total assets | $39,455,200 | 7,118 |
| Average earning assets | $36,535,800 | 7,074 |
| Average equity | $7,281,000 | 6,181 |
| Average total loans | $33,077,800 | 6,460 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1670% | 1,454 |
| Cost of funding earning assets | 2.1155% | 2,824 |
| Net interest margin | 4.0516% | 2,592 |
| Noninterest income to average assets | 0.2336% | 6,555 |
| Noninterest expense to average assets | 3.9188% | 1,403 |
| Loan and lease loss provision to assets | 0.6799% | 2,700 |
| Net operating income to assets | -0.3661% | 6,279 |
| Return on assets (ROA) | -0.3661% | 6,280 |
| Pretax return on assets | -0.5857% | 6,379 |
| Return on Equity (ROE) | -1.9218% | 6,087 |
| Retained earnings to average equity (ytd only) | -1.9218% | 5,706 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7854% | 1,228 |
| Assets per employee ($millions) | 4.7474% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 2,203 |
| Loan loss allowance to noncurrent loans | 311.5942% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 6,254 |
| Noncurrent loans to loans | 0.5859% | 6,140 |
| Net loans and leases to total assets | 81.1805% | 949 |
| Net loans and leases to deposits | 144.8993% | 63 |
| Net loans and leases to core deposits | 164.4744% | 326 |
| Total domestic deposits to total assets | 56.0255% | 7,925 |
| Equity capital to assets | 16.9050% | 648 |
| Core capital (leverage) ratio | 16.0106% | 670 |
| Tier 1 risk-based capital ratio | 20.8214% | 1,392 |
| Total risk-based capital ratio | 21.7720% | 1,408 |
| Memoranda: | ||
| Average total assets | $38,241,750 | 7,227 |
| Average earning assets | $35,672,750 | 7,176 |
| Average equity | $7,285,000 | 6,233 |
| Average total loans | $32,382,250 | 6,547 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1873% | 1,500 |
| Cost of funding earning assets | 2.1728% | 2,921 |
| Net interest margin | 4.0145% | 2,638 |
| Noninterest income to average assets | 0.2177% | 6,746 |
| Noninterest expense to average assets | 4.0874% | 1,203 |
| Loan and lease loss provision to assets | 0.2993% | 4,169 |
| Net operating income to assets | -0.2558% | 6,269 |
| Return on assets (ROA) | -0.2558% | 6,282 |
| Pretax return on assets | -0.4082% | 6,336 |
| Return on Equity (ROE) | -1.2867% | 6,118 |
| Retained earnings to average equity (ytd only) | -1.2867% | 5,564 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7784% | 1,100 |
| Assets per employee ($millions) | 4.3239% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 3,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 85.2499% | 468 |
| Net loans and leases to deposits | 157.7583% | 50 |
| Net loans and leases to core deposits | 178.5234% | 234 |
| Total domestic deposits to total assets | 54.0383% | 8,029 |
| Equity capital to assets | 18.7100% | 478 |
| Core capital (leverage) ratio | 17.8252% | 528 |
| Tier 1 risk-based capital ratio | 22.5094% | 1,183 |
| Total risk-based capital ratio | 23.7658% | 1,153 |
| Memoranda: | ||
| Average total assets | $36,746,670 | 7,352 |
| Average earning assets | $34,425,330 | 7,297 |
| Average equity | $7,305,670 | 6,264 |
| Average total loans | $31,399,330 | 6,647 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1971% | 1,612 |
| Cost of funding earning assets | 2.2175% | 3,075 |
| Net interest margin | 3.9796% | 2,728 |
| Noninterest income to average assets | 0.2019% | 6,849 |
| Noninterest expense to average assets | 4.0603% | 1,112 |
| Loan and lease loss provision to assets | 0.3141% | 3,456 |
| Net operating income to assets | -0.2692% | 6,646 |
| Return on assets (ROA) | -0.2692% | 6,722 |
| Pretax return on assets | -0.4487% | 6,780 |
| Return on Equity (ROE) | -1.3118% | 6,589 |
| Retained earnings to average equity (ytd only) | -1.3118% | 5,965 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2857% | 1,040 |
| Assets per employee ($millions) | 3.7458% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 2,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 83.3093% | 808 |
| Net loans and leases to deposits | 159.2305% | 52 |
| Net loans and leases to core deposits | 179.2109% | 245 |
| Total domestic deposits to total assets | 52.3199% | 8,082 |
| Equity capital to assets | 19.5045% | 447 |
| Core capital (leverage) ratio | 18.5675% | 488 |
| Tier 1 risk-based capital ratio | 23.1848% | 1,172 |
| Total risk-based capital ratio | 24.4393% | 1,148 |
| Memoranda: | ||
| Average total assets | $35,662,500 | 7,426 |
| Average earning assets | $33,370,500 | 7,386 |
| Average equity | $7,318,000 | 6,287 |
| Average total loans | $30,259,000 | 6,749 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0816% | 5,137 |
| Cost of funding earning assets | 2.1767% | 5,696 |
| Net interest margin | 3.9049% | 3,531 |
| Noninterest income to average assets | 0.2398% | 6,729 |
| Noninterest expense to average assets | 6.1282% | 386 |
| Loan and lease loss provision to assets | 1.6108% | 814 |
| Net operating income to assets | -2.3983% | 7,682 |
| Return on assets (ROA) | -2.3983% | 7,649 |
| Pretax return on assets | -3.8838% | 7,875 |
| Return on Equity (ROE) | -8.9960% | 7,198 |
| Retained earnings to average equity (ytd only) | -8.9960% | 6,967 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.0316% | 318 |
| Assets per employee ($millions) | 3.3867% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 2,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 83.8102% | 919 |
| Net loans and leases to deposits | 177.8223% | 52 |
| Net loans and leases to core deposits | 196.0763% | 183 |
| Total domestic deposits to total assets | 47.1314% | 8,145 |
| Equity capital to assets | 21.6435% | 370 |
| Core capital (leverage) ratio | 20.6714% | 392 |
| Tier 1 risk-based capital ratio | 25.0109% | 986 |
| Total risk-based capital ratio | 26.2659% | 969 |
| Memoranda: | ||
| Average total assets | $27,936,500 | 7,729 |
| Average earning assets | $25,864,750 | 7,698 |
| Average equity | $7,447,750 | 6,297 |
| Average total loans | $24,828,500 | 7,035 |