Home > Cass County Bank, Inc. > Performance and Condition Ratios
Cass County Bank, Inc., Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3355% | 801 |
| Cost of funding earning assets | 0.9725% | 1,881 |
| Net interest margin | 4.3630% | 1,028 |
| Noninterest income to average assets | 0.2962% | 3,966 |
| Noninterest expense to average assets | 3.2067% | 1,456 |
| Loan and lease loss provision to assets | 0.1698% | 1,089 |
| Net operating income to assets | 0.6791% | 4,079 |
| Return on assets (ROA) | 0.6791% | 4,143 |
| Pretax return on assets | 0.7112% | 4,320 |
| Return on Equity (ROE) | 6.1801% | 3,988 |
| Retained earnings to average equity (ytd only) | 6.1801% | 2,290 |
| Net charge-offs to loans | 0.0472% | 2,161 |
| Credit loss provision to net charge-offs | 473.6842% | 658 |
| Earnings coverage of net charge-offs (x) | 24.5815% | 1,793 |
| Efficiency ratio | 75.3576% | 1,406 |
| Assets per employee ($millions) | 4.8898% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 594 |
| Loan loss allowance to noncurrent loans | 38.3742% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 3.7234% | 119 |
| Noncurrent loans to loans | 4.8465% | 109 |
| Net loans and leases to total assets | 75.3978% | 1,583 |
| Net loans and leases to deposits | 84.8659% | 2,335 |
| Net loans and leases to core deposits | 102.3751% | 1,468 |
| Total domestic deposits to total assets | 88.8434% | 673 |
| Equity capital to assets | 10.8825% | 3,217 |
| Core capital (leverage) ratio | 10.5567% | 3,051 |
| Tier 1 risk-based capital ratio | 12.8906% | 3,909 |
| Total risk-based capital ratio | 14.1467% | 3,800 |
| Memoranda: | ||
| Average total assets | $70,682,500 | 4,471 |
| Average earning assets | $61,423,500 | 4,544 |
| Average equity | $7,766,750 | 4,589 |
| Average total loans | $53,686,000 | 4,154 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4625% | 608 |
| Cost of funding earning assets | 0.9513% | 1,902 |
| Net interest margin | 4.5112% | 752 |
| Noninterest income to average assets | 0.2808% | 4,057 |
| Noninterest expense to average assets | 3.2495% | 1,404 |
| Loan and lease loss provision to assets | 0.1719% | 1,058 |
| Net operating income to assets | 0.7279% | 3,904 |
| Return on assets (ROA) | 0.7279% | 3,961 |
| Pretax return on assets | 0.7594% | 4,196 |
| Return on Equity (ROE) | 6.6017% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.6017% | 2,005 |
| Net charge-offs to loans | 0.0417% | 2,065 |
| Credit loss provision to net charge-offs | 545.4545% | 565 |
| Earnings coverage of net charge-offs (x) | 29.5455% | 1,475 |
| Efficiency ratio | 74.6402% | 1,564 |
| Assets per employee ($millions) | 5.0664% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 687 |
| Loan loss allowance to noncurrent loans | 31.1740% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 4.6356% | 85 |
| Noncurrent loans to loans | 5.7593% | 75 |
| Net loans and leases to total assets | 79.0438% | 1,031 |
| Net loans and leases to deposits | 89.1506% | 1,837 |
| Net loans and leases to core deposits | 105.4845% | 1,277 |
| Total domestic deposits to total assets | 88.6633% | 799 |
| Equity capital to assets | 11.0787% | 2,965 |
| Core capital (leverage) ratio | 10.1220% | 3,479 |
| Tier 1 risk-based capital ratio | 12.9005% | 3,890 |
| Total risk-based capital ratio | 14.1569% | 3,788 |
| Memoranda: | ||
| Average total assets | $69,794,330 | 4,520 |
| Average earning assets | $60,339,000 | 4,599 |
| Average equity | $7,695,000 | 4,626 |
| Average total loans | $52,798,000 | 4,203 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2572% | 820 |
| Cost of funding earning assets | 0.9354% | 1,863 |
| Net interest margin | 4.3219% | 1,059 |
| Noninterest income to average assets | 0.2196% | 4,438 |
| Noninterest expense to average assets | 3.2242% | 1,439 |
| Loan and lease loss provision to assets | 0.1733% | 966 |
| Net operating income to assets | 0.4796% | 4,572 |
| Return on assets (ROA) | 0.4796% | 4,597 |
| Pretax return on assets | 0.4796% | 4,729 |
| Return on Equity (ROE) | 4.3607% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.3607% | 3,180 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8808% | 1,077 |
| Assets per employee ($millions) | 4.3553% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0117% | 485 |
| Loan loss allowance to noncurrent loans | 34.8564% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 4.1458% | 109 |
| Noncurrent loans to loans | 5.7713% | 82 |
| Net loans and leases to total assets | 70.3896% | 2,421 |
| Net loans and leases to deposits | 79.2872% | 2,921 |
| Net loans and leases to core deposits | 94.0377% | 2,118 |
| Total domestic deposits to total assets | 88.7781% | 965 |
| Equity capital to assets | 11.0009% | 2,850 |
| Core capital (leverage) ratio | 10.6117% | 2,931 |
| Tier 1 risk-based capital ratio | 14.3809% | 3,156 |
| Total risk-based capital ratio | 15.6398% | 3,077 |
| Memoranda: | ||
| Average total assets | $69,227,000 | 4,582 |
| Average earning assets | $58,586,000 | 4,682 |
| Average equity | $7,613,500 | 4,665 |
| Average total loans | $50,652,000 | 4,290 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0229% | 999 |
| Cost of funding earning assets | 0.7121% | 2,010 |
| Net interest margin | 4.3108% | 1,128 |
| Noninterest income to average assets | 0.2681% | 4,315 |
| Noninterest expense to average assets | 3.2937% | 1,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8044% | 3,793 |
| Return on assets (ROA) | 0.8044% | 3,793 |
| Pretax return on assets | 0.8374% | 4,075 |
| Return on Equity (ROE) | 7.6499% | 3,595 |
| Retained earnings to average equity (ytd only) | 5.6045% | 2,410 |
| Net charge-offs to loans | 0.2088% | 915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 5.2613% | 3,206 |
| Efficiency ratio | 76.6053% | 1,284 |
| Assets per employee ($millions) | 4.2981% | 3,464 |
| Cash dividends to net income (ytd only)* | 26.7380% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9065% | 566 |
| Loan loss allowance to noncurrent loans | 31.6591% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 4.4875% | 85 |
| Noncurrent loans to loans | 6.0219% | 72 |
| Net loans and leases to total assets | 73.0983% | 2,082 |
| Net loans and leases to deposits | 82.3259% | 2,690 |
| Net loans and leases to core deposits | 98.3526% | 1,847 |
| Total domestic deposits to total assets | 88.7915% | 947 |
| Equity capital to assets | 10.9948% | 2,695 |
| Core capital (leverage) ratio | 10.5148% | 3,014 |
| Tier 1 risk-based capital ratio | 13.6086% | 3,489 |
| Total risk-based capital ratio | 14.8671% | 3,394 |
| Memoranda: | ||
| Average total assets | $69,739,800 | 4,580 |
| Average earning assets | $62,493,800 | 4,621 |
| Average equity | $7,333,400 | 4,701 |
| Average total loans | $53,172,000 | 4,238 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0176% | 916 |
| Cost of funding earning assets | 0.6828% | 1,960 |
| Net interest margin | 4.3348% | 1,043 |
| Noninterest income to average assets | 0.2648% | 4,383 |
| Noninterest expense to average assets | 3.3207% | 1,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7945% | 3,925 |
| Return on assets (ROA) | 0.7945% | 3,934 |
| Pretax return on assets | 0.8269% | 4,228 |
| Return on Equity (ROE) | 7.6409% | 3,691 |
| Retained earnings to average equity (ytd only) | 4.8923% | 3,296 |
| Net charge-offs to loans | 0.2783% | 602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.8750% | 3,119 |
| Efficiency ratio | 76.9867% | 1,230 |
| Assets per employee ($millions) | 4.0950% | 3,738 |
| Cash dividends to net income (ytd only)* | 35.9719% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8817% | 621 |
| Loan loss allowance to noncurrent loans | 39.1496% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 3.5811% | 158 |
| Noncurrent loans to loans | 4.8063% | 131 |
| Net loans and leases to total assets | 73.1064% | 2,147 |
| Net loans and leases to deposits | 82.0564% | 2,809 |
| Net loans and leases to core deposits | 98.1997% | 1,920 |
| Total domestic deposits to total assets | 89.0929% | 818 |
| Equity capital to assets | 10.6285% | 3,016 |
| Core capital (leverage) ratio | 10.1365% | 3,485 |
| Tier 1 risk-based capital ratio | 13.1151% | 3,838 |
| Total risk-based capital ratio | 14.3721% | 3,744 |
| Memoranda: | ||
| Average total assets | $69,982,500 | 4,626 |
| Average earning assets | $62,684,750 | 4,663 |
| Average equity | $7,276,500 | 4,758 |
| Average total loans | $53,653,500 | 4,278 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 694 |
| Cost of funding earning assets | 0.6791% | 1,749 |
| Net interest margin | 4.3951% | 856 |
| Noninterest income to average assets | 0.2853% | 4,271 |
| Noninterest expense to average assets | 3.3721% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8330% | 3,746 |
| Return on assets (ROA) | 0.8330% | 3,748 |
| Pretax return on assets | 0.8644% | 4,070 |
| Return on Equity (ROE) | 8.0711% | 3,468 |
| Retained earnings to average equity (ytd only) | 3.9250% | 3,643 |
| Net charge-offs to loans | -0.0627% | 4,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5657% | 1,362 |
| Assets per employee ($millions) | 4.1267% | 3,685 |
| Cash dividends to net income (ytd only)* | 51.3699% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0725% | 456 |
| Loan loss allowance to noncurrent loans | 46.4872% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 3.3883% | 193 |
| Noncurrent loans to loans | 4.4583% | 178 |
| Net loans and leases to total assets | 74.4234% | 1,878 |
| Net loans and leases to deposits | 83.2844% | 2,614 |
| Net loans and leases to core deposits | 101.6827% | 1,585 |
| Total domestic deposits to total assets | 89.3605% | 784 |
| Equity capital to assets | 10.3914% | 3,218 |
| Core capital (leverage) ratio | 9.7455% | 3,846 |
| Tier 1 risk-based capital ratio | 12.4890% | 4,188 |
| Total risk-based capital ratio | 13.7485% | 4,081 |
| Memoranda: | ||
| Average total assets | $70,105,000 | 4,681 |
| Average earning assets | $63,025,000 | 4,712 |
| Average equity | $7,235,670 | 4,811 |
| Average total loans | $54,248,330 | 4,299 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 999 |
| Cost of funding earning assets | 0.6701% | 1,599 |
| Net interest margin | 4.1676% | 1,253 |
| Noninterest income to average assets | 0.3196% | 4,019 |
| Noninterest expense to average assets | 3.4132% | 1,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5993% | 4,429 |
| Return on assets (ROA) | 0.5993% | 4,436 |
| Pretax return on assets | 0.6336% | 4,604 |
| Return on Equity (ROE) | 5.8265% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.8265% | 2,792 |
| Net charge-offs to loans | -0.1097% | 5,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1001% | 1,036 |
| Assets per employee ($millions) | 4.1224% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0175% | 524 |
| Loan loss allowance to noncurrent loans | 43.0019% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 3.6601% | 191 |
| Noncurrent loans to loans | 4.6916% | 170 |
| Net loans and leases to total assets | 76.4387% | 1,472 |
| Net loans and leases to deposits | 85.4520% | 2,239 |
| Net loans and leases to core deposits | 103.8159% | 1,388 |
| Total domestic deposits to total assets | 89.4522% | 912 |
| Equity capital to assets | 10.3437% | 3,224 |
| Core capital (leverage) ratio | 9.8171% | 3,740 |
| Tier 1 risk-based capital ratio | 12.2488% | 4,406 |
| Total risk-based capital ratio | 13.5076% | 4,297 |
| Memoranda: | ||
| Average total assets | $70,080,500 | 4,736 |
| Average earning assets | $62,673,500 | 4,775 |
| Average equity | $7,208,500 | 4,868 |
| Average total loans | $54,714,500 | 4,334 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2264% | 422 |
| Cost of funding earning assets | 0.6086% | 1,538 |
| Net interest margin | 4.6178% | 486 |
| Noninterest income to average assets | 0.2860% | 4,417 |
| Noninterest expense to average assets | 3.5675% | 932 |
| Loan and lease loss provision to assets | 0.9583% | 103 |
| Net operating income to assets | -0.1307% | 5,427 |
| Return on assets (ROA) | -0.1307% | 5,430 |
| Pretax return on assets | -0.1307% | 5,478 |
| Return on Equity (ROE) | -1.2300% | 5,437 |
| Retained earnings to average equity (ytd only) | -4.8518% | 5,428 |
| Net charge-offs to loans | 0.5011% | 471 |
| Credit loss provision to net charge-offs | 233.2155% | 1,192 |
| Earnings coverage of net charge-offs (x) | 2.0141% | 3,815 |
| Efficiency ratio | 78.1962% | 1,318 |
| Assets per employee ($millions) | 3.5040% | 4,690 |
| Cash dividends to net income (ytd only)* | -294.4444% | 5,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9870% | 551 |
| Loan loss allowance to noncurrent loans | 42.4172% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 3.6601% | 179 |
| Noncurrent loans to loans | 4.6843% | 165 |
| Net loans and leases to total assets | 76.5825% | 1,498 |
| Net loans and leases to deposits | 85.5010% | 2,324 |
| Net loans and leases to core deposits | 103.8427% | 1,421 |
| Total domestic deposits to total assets | 89.5691% | 742 |
| Equity capital to assets | 10.2283% | 3,463 |
| Core capital (leverage) ratio | 9.7644% | 3,730 |
| Tier 1 risk-based capital ratio | 12.1502% | 4,429 |
| Total risk-based capital ratio | 13.4088% | 4,324 |
| Memoranda: | ||
| Average total assets | $68,871,800 | 4,795 |
| Average earning assets | $61,284,800 | 4,834 |
| Average equity | $7,316,800 | 4,892 |
| Average total loans | $56,477,800 | 4,278 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1636% | 444 |
| Cost of funding earning assets | 0.5774% | 1,692 |
| Net interest margin | 4.5862% | 501 |
| Noninterest income to average assets | 0.3578% | 3,969 |
| Noninterest expense to average assets | 3.5039% | 992 |
| Loan and lease loss provision to assets | 1.2833% | 74 |
| Net operating income to assets | -0.3636% | 5,612 |
| Return on assets (ROA) | -0.3636% | 5,611 |
| Pretax return on assets | -0.3364% | 5,596 |
| Return on Equity (ROE) | -3.3904% | 5,616 |
| Retained earnings to average equity (ytd only) | -8.1949% | 5,596 |
| Net charge-offs to loans | 0.6560% | 299 |
| Credit loss provision to net charge-offs | 235.7143% | 1,182 |
| Earnings coverage of net charge-offs (x) | 1.7393% | 3,552 |
| Efficiency ratio | 75.7973% | 1,620 |
| Assets per employee ($millions) | 3.5352% | 4,680 |
| Cash dividends to net income (ytd only)* | -141.7078% | 5,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9034% | 697 |
| Loan loss allowance to noncurrent loans | 53.4804% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 2.8853% | 323 |
| Noncurrent loans to loans | 3.5590% | 305 |
| Net loans and leases to total assets | 79.5259% | 1,053 |
| Net loans and leases to deposits | 88.6541% | 1,969 |
| Net loans and leases to core deposits | 107.4325% | 1,175 |
| Total domestic deposits to total assets | 89.7036% | 574 |
| Equity capital to assets | 10.0475% | 3,857 |
| Core capital (leverage) ratio | 9.3821% | 4,313 |
| Tier 1 risk-based capital ratio | 11.8822% | 4,708 |
| Total risk-based capital ratio | 13.1398% | 4,582 |
| Memoranda: | ||
| Average total assets | $68,569,750 | 4,852 |
| Average earning assets | $61,196,500 | 4,886 |
| Average equity | $7,354,000 | 4,934 |
| Average total loans | $56,908,000 | 4,309 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1812% | 412 |
| Cost of funding earning assets | 0.5161% | 2,048 |
| Net interest margin | 4.6650% | 422 |
| Noninterest income to average assets | 0.3293% | 4,190 |
| Noninterest expense to average assets | 3.4431% | 1,091 |
| Loan and lease loss provision to assets | 0.3528% | 401 |
| Net operating income to assets | 0.6498% | 4,084 |
| Return on assets (ROA) | 0.6498% | 4,131 |
| Pretax return on assets | 0.6792% | 4,605 |
| Return on Equity (ROE) | 5.8168% | 4,128 |
| Retained earnings to average equity (ytd only) | 2.2636% | 4,322 |
| Net charge-offs to loans | -0.0457% | 5,141 |
| Credit loss provision to net charge-offs | -923.0769% | 4,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9816% | 2,020 |
| Assets per employee ($millions) | 3.5021% | 4,716 |
| Cash dividends to net income (ytd only)* | 61.0860% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 1,594 |
| Loan loss allowance to noncurrent loans | 23.4499% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 5.3882% | 90 |
| Noncurrent loans to loans | 6.3711% | 91 |
| Net loans and leases to total assets | 83.3086% | 512 |
| Net loans and leases to deposits | 98.5027% | 844 |
| Net loans and leases to core deposits | 113.2062% | 837 |
| Total domestic deposits to total assets | 84.5750% | 2,989 |
| Equity capital to assets | 10.9106% | 2,914 |
| Core capital (leverage) ratio | 10.4690% | 2,950 |
| Tier 1 risk-based capital ratio | 12.2000% | 4,489 |
| Total risk-based capital ratio | 13.4537% | 4,371 |
| Memoranda: | ||
| Average total assets | $68,019,670 | 4,898 |
| Average earning assets | $60,449,670 | 4,937 |
| Average equity | $7,598,670 | 4,914 |
| Average total loans | $56,878,000 | 4,337 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3001% | 320 |
| Cost of funding earning assets | 0.4946% | 2,132 |
| Net interest margin | 4.8055% | 309 |
| Noninterest income to average assets | 0.3164% | 4,291 |
| Noninterest expense to average assets | 3.5936% | 901 |
| Loan and lease loss provision to assets | 0.3582% | 327 |
| Net operating income to assets | 0.6268% | 4,033 |
| Return on assets (ROA) | 0.6268% | 4,082 |
| Pretax return on assets | 0.6566% | 4,577 |
| Return on Equity (ROE) | 5.5431% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.5431% | 2,573 |
| Net charge-offs to loans | -0.0862% | 5,402 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1295% | 2,046 |
| Assets per employee ($millions) | 3.5732% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 1,797 |
| Loan loss allowance to noncurrent loans | 138.4874% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8764% | 2,109 |
| Noncurrent loans to loans | 1.0617% | 1,928 |
| Net loans and leases to total assets | 81.3318% | 649 |
| Net loans and leases to deposits | 96.6820% | 874 |
| Net loans and leases to core deposits | 105.3378% | 1,148 |
| Total domestic deposits to total assets | 84.1231% | 3,433 |
| Equity capital to assets | 11.2548% | 2,383 |
| Core capital (leverage) ratio | 10.8473% | 2,545 |
| Tier 1 risk-based capital ratio | 12.8503% | 4,170 |
| Total risk-based capital ratio | 14.1024% | 4,068 |
| Memoranda: | ||
| Average total assets | $67,008,500 | 4,969 |
| Average earning assets | $59,847,500 | 5,005 |
| Average equity | $7,577,000 | 4,959 |
| Average total loans | $55,699,000 | 4,404 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 276 |
| Cost of funding earning assets | 0.4725% | 2,329 |
| Net interest margin | 4.9573% | 267 |
| Noninterest income to average assets | 0.4043% | 3,845 |
| Noninterest expense to average assets | 3.6570% | 937 |
| Loan and lease loss provision to assets | 0.7280% | 163 |
| Net operating income to assets | 0.4074% | 4,914 |
| Return on assets (ROA) | 0.4074% | 4,997 |
| Pretax return on assets | 0.4229% | 5,179 |
| Return on Equity (ROE) | 3.5367% | 5,000 |
| Retained earnings to average equity (ytd only) | 2.1919% | 4,285 |
| Net charge-offs to loans | 0.0897% | 2,415 |
| Credit loss provision to net charge-offs | 979.1667% | 393 |
| Earnings coverage of net charge-offs (x) | 15.4792% | 2,196 |
| Efficiency ratio | 73.1637% | 2,399 |
| Assets per employee ($millions) | 3.6737% | 4,515 |
| Cash dividends to net income (ytd only)* | 38.0228% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 2,268 |
| Loan loss allowance to noncurrent loans | 158.3158% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 2,576 |
| Noncurrent loans to loans | 0.8581% | 2,388 |
| Net loans and leases to total assets | 82.5772% | 530 |
| Net loans and leases to deposits | 98.3892% | 791 |
| Net loans and leases to core deposits | 111.8794% | 789 |
| Total domestic deposits to total assets | 83.9292% | 3,446 |
| Equity capital to assets | 11.3616% | 2,280 |
| Core capital (leverage) ratio | 10.8852% | 2,447 |
| Tier 1 risk-based capital ratio | 12.9991% | 4,079 |
| Total risk-based capital ratio | 14.2514% | 3,978 |
| Memoranda: | ||
| Average total assets | $64,560,400 | 5,036 |
| Average earning assets | $57,349,200 | 5,094 |
| Average equity | $7,436,400 | 5,018 |
| Average total loans | $53,499,000 | 4,473 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4190% | 285 |
| Cost of funding earning assets | 0.4629% | 2,438 |
| Net interest margin | 4.9562% | 278 |
| Noninterest income to average assets | 0.4301% | 3,690 |
| Noninterest expense to average assets | 3.6403% | 934 |
| Loan and lease loss provision to assets | 0.8519% | 125 |
| Net operating income to assets | 0.3304% | 5,213 |
| Return on assets (ROA) | 0.3304% | 5,292 |
| Pretax return on assets | 0.3428% | 5,390 |
| Return on Equity (ROE) | 2.8581% | 5,256 |
| Retained earnings to average equity (ytd only) | 1.0605% | 5,070 |
| Net charge-offs to loans | -0.0126% | 4,856 |
| Credit loss provision to net charge-offs | -8,200.0000% | 5,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4108% | 2,512 |
| Assets per employee ($millions) | 3.7082% | 4,454 |
| Cash dividends to net income (ytd only)* | 62.8945% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 2,421 |
| Loan loss allowance to noncurrent loans | 144.9416% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 2,272 |
| Noncurrent loans to loans | 0.9340% | 2,378 |
| Net loans and leases to total assets | 81.3343% | 712 |
| Net loans and leases to deposits | 96.6874% | 977 |
| Net loans and leases to core deposits | 107.5925% | 1,076 |
| Total domestic deposits to total assets | 84.1209% | 3,176 |
| Equity capital to assets | 11.1943% | 2,803 |
| Core capital (leverage) ratio | 10.6631% | 2,818 |
| Tier 1 risk-based capital ratio | 12.8978% | 4,224 |
| Total risk-based capital ratio | 14.1482% | 4,138 |
| Memoranda: | ||
| Average total assets | $64,169,000 | 5,093 |
| Average earning assets | $57,032,000 | 5,149 |
| Average equity | $7,417,250 | 5,075 |
| Average total loans | $53,034,500 | 4,525 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4370% | 280 |
| Cost of funding earning assets | 0.4593% | 2,483 |
| Net interest margin | 4.9777% | 267 |
| Noninterest income to average assets | 0.3886% | 3,965 |
| Noninterest expense to average assets | 3.6519% | 942 |
| Loan and lease loss provision to assets | 0.8214% | 128 |
| Net operating income to assets | 0.3128% | 5,285 |
| Return on assets (ROA) | 0.3128% | 5,376 |
| Pretax return on assets | 0.3317% | 5,450 |
| Return on Equity (ROE) | 2.6760% | 5,337 |
| Retained earnings to average equity (ytd only) | -0.0270% | 5,297 |
| Net charge-offs to loans | -0.0687% | 5,491 |
| Credit loss provision to net charge-offs | -1,444.4444% | 5,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0440% | 2,509 |
| Assets per employee ($millions) | 3.4064% | 4,910 |
| Cash dividends to net income (ytd only)* | 101.0101% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,731 |
| Loan loss allowance to noncurrent loans | 84.2105% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1155% | 1,895 |
| Noncurrent loans to loans | 1.3510% | 1,667 |
| Net loans and leases to total assets | 81.6307% | 669 |
| Net loans and leases to deposits | 99.3456% | 750 |
| Net loans and leases to core deposits | 103.1109% | 1,390 |
| Total domestic deposits to total assets | 82.1684% | 3,950 |
| Equity capital to assets | 11.4644% | 2,579 |
| Core capital (leverage) ratio | 10.8371% | 2,609 |
| Tier 1 risk-based capital ratio | 13.1124% | 4,129 |
| Total risk-based capital ratio | 14.2577% | 4,107 |
| Memoranda: | ||
| Average total assets | $63,309,330 | 5,164 |
| Average earning assets | $56,170,670 | 5,219 |
| Average equity | $7,399,000 | 5,124 |
| Average total loans | $52,368,000 | 4,577 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4116% | 291 |
| Cost of funding earning assets | 0.4822% | 2,253 |
| Net interest margin | 4.9295% | 297 |
| Noninterest income to average assets | 0.3706% | 4,075 |
| Noninterest expense to average assets | 3.7506% | 841 |
| Loan and lease loss provision to assets | 0.5112% | 238 |
| Net operating income to assets | 0.4537% | 4,818 |
| Return on assets (ROA) | 0.4537% | 4,904 |
| Pretax return on assets | 0.4856% | 5,121 |
| Return on Equity (ROE) | 3.8438% | 4,941 |
| Retained earnings to average equity (ytd only) | -1.5700% | 5,343 |
| Net charge-offs to loans | -0.0463% | 5,291 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0431% | 2,172 |
| Assets per employee ($millions) | 3.4988% | 4,812 |
| Cash dividends to net income (ytd only)* | 140.8451% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8018% | 5,354 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 4,746 |
| Noncurrent loans to loans | 0.2467% | 4,547 |
| Net loans and leases to total assets | 81.7225% | 596 |
| Net loans and leases to deposits | 92.7786% | 1,255 |
| Net loans and leases to core deposits | 96.1426% | 1,781 |
| Total domestic deposits to total assets | 88.0833% | 1,600 |
| Equity capital to assets | 11.7182% | 2,226 |
| Core capital (leverage) ratio | 10.8428% | 2,578 |
| Tier 1 risk-based capital ratio | 13.3427% | 4,073 |
| Total risk-based capital ratio | 14.1449% | 4,245 |
| Memoranda: | ||
| Average total assets | $62,603,000 | 5,231 |
| Average earning assets | $55,584,000 | 5,282 |
| Average equity | $7,388,500 | 5,156 |
| Average total loans | $51,831,500 | 4,617 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2625% | 387 |
| Cost of funding earning assets | 0.5311% | 1,916 |
| Net interest margin | 4.7314% | 431 |
| Noninterest income to average assets | 0.3189% | 4,614 |
| Noninterest expense to average assets | 3.1843% | 2,001 |
| Loan and lease loss provision to assets | 0.1822% | 1,241 |
| Net operating income to assets | 1.0660% | 2,062 |
| Return on assets (ROA) | 1.0660% | 2,139 |
| Pretax return on assets | 1.1055% | 3,026 |
| Return on Equity (ROE) | 9.4431% | 2,248 |
| Retained earnings to average equity (ytd only) | 0.6995% | 5,235 |
| Net charge-offs to loans | -0.1336% | 5,859 |
| Credit loss provision to net charge-offs | -171.4286% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1494% | 3,545 |
| Assets per employee ($millions) | 3.4571% | 4,900 |
| Cash dividends to net income (ytd only)* | 92.5926% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6373% | 5,743 |
| Loan loss allowance to noncurrent loans | 239.1304% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 4,700 |
| Noncurrent loans to loans | 0.2665% | 4,489 |
| Net loans and leases to total assets | 82.6795% | 521 |
| Net loans and leases to deposits | 94.0309% | 1,198 |
| Net loans and leases to core deposits | 97.4874% | 1,715 |
| Total domestic deposits to total assets | 87.9281% | 1,671 |
| Equity capital to assets | 11.8871% | 2,043 |
| Core capital (leverage) ratio | 11.2060% | 2,211 |
| Tier 1 risk-based capital ratio | 14.0014% | 3,713 |
| Total risk-based capital ratio | 14.6536% | 3,996 |
| Memoranda: | ||
| Average total assets | $65,853,800 | 5,182 |
| Average earning assets | $57,805,000 | 5,243 |
| Average equity | $7,434,000 | 5,165 |
| Average total loans | $52,393,000 | 4,600 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2341% | 420 |
| Cost of funding earning assets | 0.5367% | 1,915 |
| Net interest margin | 4.6974% | 457 |
| Noninterest income to average assets | 0.3255% | 4,612 |
| Noninterest expense to average assets | 3.1495% | 2,085 |
| Loan and lease loss provision to assets | 0.1797% | 1,162 |
| Net operating income to assets | 1.0685% | 2,139 |
| Return on assets (ROA) | 1.0685% | 2,228 |
| Pretax return on assets | 1.1044% | 3,210 |
| Return on Equity (ROE) | 9.5834% | 2,278 |
| Retained earnings to average equity (ytd only) | 3.0452% | 4,274 |
| Net charge-offs to loans | -0.1446% | 5,913 |
| Credit loss provision to net charge-offs | -157.8947% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0180% | 3,536 |
| Assets per employee ($millions) | 3.8916% | 4,098 |
| Cash dividends to net income (ytd only)* | 68.2232% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5901% | 5,911 |
| Loan loss allowance to noncurrent loans | 177.1605% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 4,781 |
| Noncurrent loans to loans | 0.3331% | 4,416 |
| Net loans and leases to total assets | 73.0807% | 1,892 |
| Net loans and leases to deposits | 85.5777% | 2,197 |
| Net loans and leases to core deposits | 88.6176% | 2,597 |
| Total domestic deposits to total assets | 85.3969% | 2,827 |
| Equity capital to assets | 11.3593% | 2,632 |
| Core capital (leverage) ratio | 10.8084% | 2,708 |
| Tier 1 risk-based capital ratio | 14.8306% | 3,377 |
| Total risk-based capital ratio | 15.4224% | 3,682 |
| Memoranda: | ||
| Average total assets | $66,760,500 | 5,226 |
| Average earning assets | $58,385,250 | 5,296 |
| Average equity | $7,443,250 | 5,226 |
| Average total loans | $52,546,500 | 4,647 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1308% | 473 |
| Cost of funding earning assets | 0.5435% | 1,873 |
| Net interest margin | 4.5873% | 542 |
| Noninterest income to average assets | 0.3285% | 4,598 |
| Noninterest expense to average assets | 3.1122% | 2,213 |
| Loan and lease loss provision to assets | 0.1792% | 1,139 |
| Net operating income to assets | 1.0125% | 2,325 |
| Return on assets (ROA) | 1.0125% | 2,439 |
| Pretax return on assets | 1.0454% | 3,393 |
| Return on Equity (ROE) | 9.1383% | 2,466 |
| Retained earnings to average equity (ytd only) | 4.6905% | 3,057 |
| Net charge-offs to loans | -0.1077% | 5,815 |
| Credit loss provision to net charge-offs | -206.8966% | 5,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6639% | 3,560 |
| Assets per employee ($millions) | 3.4814% | 4,840 |
| Cash dividends to net income (ytd only)* | 48.6726% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4311% | 6,146 |
| Loan loss allowance to noncurrent loans | 84.5018% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 4,276 |
| Noncurrent loans to loans | 0.5101% | 3,928 |
| Net loans and leases to total assets | 79.9686% | 807 |
| Net loans and leases to deposits | 97.3982% | 846 |
| Net loans and leases to core deposits | 101.4655% | 1,366 |
| Total domestic deposits to total assets | 82.1047% | 4,261 |
| Equity capital to assets | 11.3446% | 2,532 |
| Core capital (leverage) ratio | 10.9318% | 2,496 |
| Tier 1 risk-based capital ratio | 13.8649% | 3,996 |
| Total risk-based capital ratio | 14.3067% | 4,400 |
| Memoranda: | ||
| Average total assets | $66,961,670 | 5,280 |
| Average earning assets | $58,509,000 | 5,347 |
| Average equity | $7,419,330 | 5,276 |
| Average total loans | $53,850,330 | 4,649 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9920% | 574 |
| Cost of funding earning assets | 0.5653% | 1,704 |
| Net interest margin | 4.4267% | 692 |
| Noninterest income to average assets | 0.2850% | 4,892 |
| Noninterest expense to average assets | 3.1528% | 2,118 |
| Loan and lease loss provision to assets | 0.1781% | 1,087 |
| Net operating income to assets | 0.7837% | 3,348 |
| Return on assets (ROA) | 0.7837% | 3,480 |
| Pretax return on assets | 0.8134% | 4,187 |
| Return on Equity (ROE) | 7.1574% | 3,424 |
| Retained earnings to average equity (ytd only) | 4.1751% | 3,501 |
| Net charge-offs to loans | -0.0959% | 5,839 |
| Credit loss provision to net charge-offs | -230.7692% | 4,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7794% | 3,031 |
| Assets per employee ($millions) | 3.7112% | 4,492 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3595% | 6,257 |
| Loan loss allowance to noncurrent loans | 61.0000% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 0.4755% | 4,125 |
| Noncurrent loans to loans | 0.5893% | 3,811 |
| Net loans and leases to total assets | 80.3950% | 646 |
| Net loans and leases to deposits | 92.9843% | 1,091 |
| Net loans and leases to core deposits | 96.8458% | 1,561 |
| Total domestic deposits to total assets | 86.4608% | 2,687 |
| Equity capital to assets | 11.7624% | 2,229 |
| Core capital (leverage) ratio | 10.8488% | 2,573 |
| Tier 1 risk-based capital ratio | 13.7243% | 4,204 |
| Total risk-based capital ratio | 14.0789% | 4,628 |
| Memoranda: | ||
| Average total assets | $67,369,500 | 5,321 |
| Average earning assets | $58,734,000 | 5,394 |
| Average equity | $7,377,000 | 5,329 |
| Average total loans | $54,213,000 | 4,665 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 1,642 |
| Cost of funding earning assets | 0.5578% | 2,151 |
| Net interest margin | 4.0111% | 1,867 |
| Noninterest income to average assets | 0.1971% | 5,674 |
| Noninterest expense to average assets | 2.9106% | 3,115 |
| Loan and lease loss provision to assets | 0.1869% | 1,374 |
| Net operating income to assets | 0.5964% | 4,384 |
| Return on assets (ROA) | 0.5964% | 4,475 |
| Pretax return on assets | 0.6185% | 4,881 |
| Return on Equity (ROE) | 4.9145% | 4,708 |
| Retained earnings to average equity (ytd only) | 0.7141% | 5,444 |
| Net charge-offs to loans | -0.0696% | 6,022 |
| Credit loss provision to net charge-offs | -366.6667% | 5,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4458% | 2,606 |
| Assets per employee ($millions) | 3.9804% | 4,002 |
| Cash dividends to net income (ytd only)* | 85.4701% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2434% | 6,403 |
| Loan loss allowance to noncurrent loans | 68.6275% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 4,895 |
| Noncurrent loans to loans | 0.3547% | 4,594 |
| Net loans and leases to total assets | 80.0874% | 731 |
| Net loans and leases to deposits | 106.4484% | 342 |
| Net loans and leases to core deposits | 112.3114% | 682 |
| Total domestic deposits to total assets | 75.2359% | 5,831 |
| Equity capital to assets | 10.2348% | 3,814 |
| Core capital (leverage) ratio | 10.7425% | 2,677 |
| Tier 1 risk-based capital ratio | 11.3248% | 5,753 |
| Total risk-based capital ratio | 11.5689% | 6,115 |
| Memoranda: | ||
| Average total assets | $58,853,400 | 5,576 |
| Average earning assets | $51,632,200 | 5,628 |
| Average equity | $7,142,200 | 5,383 |
| Average total loans | $43,080,800 | 5,068 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 2,136 |
| Cost of funding earning assets | 0.5690% | 2,112 |
| Net interest margin | 3.8579% | 2,400 |
| Noninterest income to average assets | 0.1821% | 5,832 |
| Noninterest expense to average assets | 2.7814% | 3,535 |
| Loan and lease loss provision to assets | 0.1916% | 1,258 |
| Net operating income to assets | 0.5821% | 4,525 |
| Return on assets (ROA) | 0.5821% | 4,611 |
| Pretax return on assets | 0.6037% | 5,014 |
| Return on Equity (ROE) | 4.5668% | 4,929 |
| Retained earnings to average equity (ytd only) | 4.5668% | 3,395 |
| Net charge-offs to loans | -0.0540% | 5,939 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7488% | 2,693 |
| Assets per employee ($millions) | 3.5922% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2005% | 6,493 |
| Loan loss allowance to noncurrent loans | 26.3014% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 3,992 |
| Noncurrent loans to loans | 0.7623% | 3,689 |
| Net loans and leases to total assets | 78.2550% | 931 |
| Net loans and leases to deposits | 94.6503% | 980 |
| Net loans and leases to core deposits | 100.4435% | 1,329 |
| Total domestic deposits to total assets | 82.6780% | 4,241 |
| Equity capital to assets | 12.2390% | 1,880 |
| Core capital (leverage) ratio | 12.1134% | 1,629 |
| Tier 1 risk-based capital ratio | 14.5122% | 3,875 |
| Total risk-based capital ratio | 14.7159% | 4,505 |
| Memoranda: | ||
| Average total assets | $55,654,750 | 5,720 |
| Average earning assets | $48,972,500 | 5,767 |
| Average equity | $7,094,500 | 5,442 |
| Average total loans | $39,470,750 | 5,262 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 3,500 |
| Cost of funding earning assets | 0.5589% | 2,272 |
| Net interest margin | 3.5019% | 3,783 |
| Noninterest income to average assets | 0.1634% | 5,973 |
| Noninterest expense to average assets | 2.5626% | 4,374 |
| Loan and lease loss provision to assets | 0.1857% | 1,321 |
| Net operating income to assets | 0.4680% | 4,940 |
| Return on assets (ROA) | 0.4680% | 5,015 |
| Pretax return on assets | 0.4865% | 5,313 |
| Return on Equity (ROE) | 3.6165% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.6165% | 3,887 |
| Net charge-offs to loans | -0.0273% | 5,652 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0046% | 2,630 |
| Assets per employee ($millions) | 3.3019% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1292% | 6,582 |
| Loan loss allowance to noncurrent loans | 20.9924% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 4,552 |
| Noncurrent loans to loans | 0.6157% | 4,181 |
| Net loans and leases to total assets | 75.7144% | 1,205 |
| Net loans and leases to deposits | 87.2439% | 1,676 |
| Net loans and leases to core deposits | 91.0396% | 2,029 |
| Total domestic deposits to total assets | 86.7847% | 2,586 |
| Equity capital to assets | 13.1066% | 1,315 |
| Core capital (leverage) ratio | 11.8592% | 1,746 |
| Tier 1 risk-based capital ratio | 15.9080% | 3,144 |
| Total risk-based capital ratio | 16.0384% | 3,706 |
| Memoranda: | ||
| Average total assets | $53,850,670 | 5,813 |
| Average earning assets | $47,232,000 | 5,855 |
| Average equity | $6,968,000 | 5,498 |
| Average total loans | $36,666,330 | 5,394 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2282% | 5,967 |
| Cost of funding earning assets | 0.4575% | 3,346 |
| Net interest margin | 2.7707% | 5,996 |
| Noninterest income to average assets | 0.1138% | 6,287 |
| Noninterest expense to average assets | 1.7454% | 6,284 |
| Loan and lease loss provision to assets | 0.1518% | 1,599 |
| Net operating income to assets | 0.6375% | 4,010 |
| Return on assets (ROA) | 0.6375% | 4,102 |
| Pretax return on assets | 0.6526% | 4,655 |
| Return on Equity (ROE) | 4.9605% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.9605% | 3,135 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1786% | 4,661 |
| Assets per employee ($millions) | 3.2796% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0556% | 6,664 |
| Loan loss allowance to noncurrent loans | 7.5472% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 4,712 |
| Noncurrent loans to loans | 0.7364% | 4,024 |
| Net loans and leases to total assets | 64.5113% | 2,809 |
| Net loans and leases to deposits | 74.3197% | 3,027 |
| Net loans and leases to core deposits | 77.9925% | 3,203 |
| Total domestic deposits to total assets | 86.8025% | 2,935 |
| Equity capital to assets | 13.1060% | 1,260 |
| Core capital (leverage) ratio | 12.2923% | 1,483 |
| Tier 1 risk-based capital ratio | 18.3288% | 2,170 |
| Total risk-based capital ratio | 18.3840% | 2,579 |
| Memoranda: | ||
| Average total assets | $52,710,000 | 5,895 |
| Average earning assets | $46,342,000 | 5,931 |
| Average equity | $6,773,500 | 5,571 |
| Average total loans | $33,722,000 | 5,559 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7865% | 1,348 |
| Cost of funding earning assets | 0.6848% | 1,921 |
| Net interest margin | 4.1018% | 1,630 |
| Noninterest income to average assets | 0.3867% | 4,541 |
| Noninterest expense to average assets | 3.3050% | 2,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5027% | 4,725 |
| Return on assets (ROA) | 0.5027% | 4,856 |
| Pretax return on assets | 0.7876% | 4,196 |
| Return on Equity (ROE) | 4.0427% | 5,090 |
| Retained earnings to average equity (ytd only) | 4.0427% | 3,314 |
| Net charge-offs to loans | 0.6284% | 1,041 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.0052% | 4,376 |
| Efficiency ratio | 80.7558% | 2,049 |
| Assets per employee ($millions) | 2.9216% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 5,555 |
| Loan loss allowance to noncurrent loans | 32.2416% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 2.8268% | 1,145 |
| Noncurrent loans to loans | 3.1058% | 1,106 |
| Net loans and leases to total assets | 62.7016% | 3,252 |
| Net loans and leases to deposits | 71.8468% | 3,537 |
| Net loans and leases to core deposits | 75.8303% | 3,622 |
| Total domestic deposits to total assets | 87.2712% | 2,591 |
| Equity capital to assets | 12.5637% | 1,484 |
| Core capital (leverage) ratio | 12.4188% | 1,397 |
| Tier 1 risk-based capital ratio | 21.2628% | 1,373 |
| Total risk-based capital ratio | 22.3379% | 1,385 |
| Memoranda: | ||
| Average total assets | $49,137,600 | 6,033 |
| Average earning assets | $44,395,600 | 6,038 |
| Average equity | $6,109,800 | 5,790 |
| Average total loans | $30,712,200 | 5,726 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 1,357 |
| Cost of funding earning assets | 0.6810% | 2,091 |
| Net interest margin | 4.1133% | 1,594 |
| Noninterest income to average assets | 0.4190% | 4,376 |
| Noninterest expense to average assets | 3.3519% | 1,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5333% | 4,650 |
| Return on assets (ROA) | 0.5333% | 4,810 |
| Pretax return on assets | 0.7809% | 4,366 |
| Return on Equity (ROE) | 4.3001% | 5,072 |
| Retained earnings to average equity (ytd only) | 4.3001% | 3,621 |
| Net charge-offs to loans | -0.0568% | 6,354 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1060% | 1,953 |
| Assets per employee ($millions) | 2.9960% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 2,646 |
| Loan loss allowance to noncurrent loans | 46.6428% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 3.0315% | 1,216 |
| Noncurrent loans to loans | 3.6283% | 1,025 |
| Net loans and leases to total assets | 59.4224% | 3,793 |
| Net loans and leases to deposits | 67.7752% | 4,093 |
| Net loans and leases to core deposits | 71.7520% | 4,122 |
| Total domestic deposits to total assets | 87.6757% | 2,310 |
| Equity capital to assets | 12.1554% | 1,818 |
| Core capital (leverage) ratio | 12.3669% | 1,487 |
| Tier 1 risk-based capital ratio | 20.9415% | 1,504 |
| Total risk-based capital ratio | 22.1989% | 1,479 |
| Memoranda: | ||
| Average total assets | $49,005,250 | 6,107 |
| Average earning assets | $44,246,000 | 6,119 |
| Average equity | $6,077,250 | 5,875 |
| Average total loans | $30,526,000 | 5,789 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8375% | 1,247 |
| Cost of funding earning assets | 0.6891% | 2,149 |
| Net interest margin | 4.1484% | 1,414 |
| Noninterest income to average assets | 0.4466% | 4,188 |
| Noninterest expense to average assets | 3.4944% | 1,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4880% | 4,852 |
| Return on assets (ROA) | 0.4880% | 5,024 |
| Pretax return on assets | 0.6865% | 4,728 |
| Return on Equity (ROE) | 3.9077% | 5,250 |
| Retained earnings to average equity (ytd only) | 3.9077% | 3,807 |
| Net charge-offs to loans | -0.0788% | 6,426 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5806% | 1,683 |
| Assets per employee ($millions) | 2.8197% | 6,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 2,774 |
| Loan loss allowance to noncurrent loans | 40.6250% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 3.5611% | 1,061 |
| Noncurrent loans to loans | 4.1903% | 897 |
| Net loans and leases to total assets | 62.6411% | 3,172 |
| Net loans and leases to deposits | 71.8900% | 3,463 |
| Net loans and leases to core deposits | 76.4162% | 3,493 |
| Total domestic deposits to total assets | 87.1347% | 2,738 |
| Equity capital to assets | 12.7381% | 1,445 |
| Core capital (leverage) ratio | 12.4862% | 1,366 |
| Tier 1 risk-based capital ratio | 20.7342% | 1,562 |
| Total risk-based capital ratio | 21.9918% | 1,527 |
| Memoranda: | ||
| Average total assets | $48,363,000 | 6,166 |
| Average earning assets | $43,535,330 | 6,172 |
| Average equity | $6,039,330 | 5,922 |
| Average total loans | $30,439,330 | 5,825 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 1,360 |
| Cost of funding earning assets | 0.6955% | 2,259 |
| Net interest margin | 4.0722% | 1,554 |
| Noninterest income to average assets | 0.3623% | 4,764 |
| Noninterest expense to average assets | 3.2773% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5846% | 4,291 |
| Return on assets (ROA) | 0.5846% | 4,438 |
| Pretax return on assets | 0.7493% | 4,373 |
| Return on Equity (ROE) | 4.7286% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.7286% | 3,402 |
| Net charge-offs to loans | -0.0527% | 6,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3906% | 2,133 |
| Assets per employee ($millions) | 2.8419% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 2,889 |
| Loan loss allowance to noncurrent loans | 42.0016% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 3.6098% | 1,159 |
| Noncurrent loans to loans | 4.1142% | 1,077 |
| Net loans and leases to total assets | 60.2674% | 3,379 |
| Net loans and leases to deposits | 68.9617% | 3,641 |
| Net loans and leases to core deposits | 72.9768% | 3,704 |
| Total domestic deposits to total assets | 87.3926% | 2,697 |
| Equity capital to assets | 12.5039% | 1,708 |
| Core capital (leverage) ratio | 12.6040% | 1,295 |
| Tier 1 risk-based capital ratio | 20.7597% | 1,595 |
| Total risk-based capital ratio | 22.0166% | 1,567 |
| Memoranda: | ||
| Average total assets | $48,577,000 | 6,221 |
| Average earning assets | $43,711,500 | 6,224 |
| Average equity | $6,006,000 | 5,982 |
| Average total loans | $30,385,500 | 5,876 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1507% | 1,206 |
| Cost of funding earning assets | 0.7915% | 2,736 |
| Net interest margin | 4.3591% | 1,256 |
| Noninterest income to average assets | 0.6099% | 3,228 |
| Noninterest expense to average assets | 3.3748% | 2,116 |
| Loan and lease loss provision to assets | 0.3741% | 1,749 |
| Net operating income to assets | 0.4493% | 4,887 |
| Return on assets (ROA) | 0.4493% | 5,133 |
| Pretax return on assets | 0.7014% | 4,661 |
| Return on Equity (ROE) | 3.7408% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.7408% | 3,582 |
| Net charge-offs to loans | 0.5325% | 2,129 |
| Credit loss provision to net charge-offs | 108.2353% | 2,723 |
| Earnings coverage of net charge-offs (x) | 3.1118% | 3,879 |
| Efficiency ratio | 75.8337% | 2,775 |
| Assets per employee ($millions) | 2.8730% | 6,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 3,179 |
| Loan loss allowance to noncurrent loans | 39.5023% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 3.7080% | 1,202 |
| Noncurrent loans to loans | 4.1295% | 1,115 |
| Net loans and leases to total assets | 62.7219% | 3,116 |
| Net loans and leases to deposits | 71.5480% | 3,490 |
| Net loans and leases to core deposits | 75.6507% | 3,584 |
| Total domestic deposits to total assets | 87.6641% | 2,438 |
| Equity capital to assets | 12.2254% | 1,902 |
| Core capital (leverage) ratio | 12.4003% | 1,361 |
| Tier 1 risk-based capital ratio | 19.3922% | 1,842 |
| Total risk-based capital ratio | 20.6456% | 1,808 |
| Memoranda: | ||
| Average total assets | $49,187,600 | 6,235 |
| Average earning assets | $43,334,200 | 6,259 |
| Average equity | $5,907,800 | 6,043 |
| Average total loans | $31,922,600 | 5,858 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1694% | 1,258 |
| Cost of funding earning assets | 0.8143% | 2,828 |
| Net interest margin | 4.3551% | 1,335 |
| Noninterest income to average assets | 0.5168% | 3,818 |
| Noninterest expense to average assets | 3.3363% | 2,169 |
| Loan and lease loss provision to assets | 0.0217% | 5,526 |
| Net operating income to assets | 0.6575% | 4,103 |
| Return on assets (ROA) | 0.6575% | 4,372 |
| Pretax return on assets | 0.9795% | 3,792 |
| Return on Equity (ROE) | 5.4988% | 4,600 |
| Retained earnings to average equity (ytd only) | 5.4988% | 3,039 |
| Net charge-offs to loans | 0.0830% | 4,563 |
| Credit loss provision to net charge-offs | 40.0000% | 4,620 |
| Earnings coverage of net charge-offs (x) | 18.4972% | 1,555 |
| Efficiency ratio | 76.9183% | 2,532 |
| Assets per employee ($millions) | 2.8407% | 6,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5129% | 3,895 |
| Loan loss allowance to noncurrent loans | 38.5292% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 3.6093% | 1,385 |
| Noncurrent loans to loans | 3.9266% | 1,316 |
| Net loans and leases to total assets | 64.9756% | 2,847 |
| Net loans and leases to deposits | 74.3378% | 3,233 |
| Net loans and leases to core deposits | 78.1733% | 3,431 |
| Total domestic deposits to total assets | 87.4058% | 2,418 |
| Equity capital to assets | 12.4223% | 1,948 |
| Core capital (leverage) ratio | 12.2131% | 1,530 |
| Tier 1 risk-based capital ratio | 19.8946% | 1,789 |
| Total risk-based capital ratio | 21.1488% | 1,765 |
| Memoranda: | ||
| Average total assets | $49,274,250 | 6,307 |
| Average earning assets | $43,227,750 | 6,332 |
| Average equity | $5,892,000 | 6,120 |
| Average total loans | $32,117,750 | 5,921 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1122% | 1,471 |
| Cost of funding earning assets | 0.8367% | 2,895 |
| Net interest margin | 4.2755% | 1,532 |
| Noninterest income to average assets | 0.5806% | 3,375 |
| Noninterest expense to average assets | 3.2701% | 2,387 |
| Loan and lease loss provision to assets | 0.0323% | 5,268 |
| Net operating income to assets | 0.7621% | 3,548 |
| Return on assets (ROA) | 0.7621% | 3,818 |
| Pretax return on assets | 1.0282% | 3,605 |
| Return on Equity (ROE) | 6.4546% | 4,067 |
| Retained earnings to average equity (ytd only) | 6.4546% | 2,408 |
| Net charge-offs to loans | 0.1366% | 3,837 |
| Credit loss provision to net charge-offs | 36.3636% | 4,330 |
| Earnings coverage of net charge-offs (x) | 11.9545% | 1,925 |
| Efficiency ratio | 75.5121% | 2,823 |
| Assets per employee ($millions) | 2.7945% | 6,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 3,914 |
| Loan loss allowance to noncurrent loans | 39.8340% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 3.3856% | 1,584 |
| Noncurrent loans to loans | 3.8198% | 1,468 |
| Net loans and leases to total assets | 61.7602% | 3,488 |
| Net loans and leases to deposits | 70.1407% | 3,867 |
| Net loans and leases to core deposits | 73.5778% | 4,082 |
| Total domestic deposits to total assets | 88.0519% | 2,107 |
| Equity capital to assets | 11.8129% | 2,302 |
| Core capital (leverage) ratio | 11.8314% | 1,700 |
| Tier 1 risk-based capital ratio | 19.6470% | 1,800 |
| Total risk-based capital ratio | 20.9002% | 1,768 |
| Memoranda: | ||
| Average total assets | $49,601,670 | 6,328 |
| Average earning assets | $43,503,670 | 6,361 |
| Average equity | $5,856,330 | 6,157 |
| Average total loans | $32,203,670 | 5,956 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3006% | 1,096 |
| Cost of funding earning assets | 0.8897% | 2,765 |
| Net interest margin | 4.4109% | 1,204 |
| Noninterest income to average assets | 0.6984% | 2,668 |
| Noninterest expense to average assets | 3.0862% | 2,967 |
| Loan and lease loss provision to assets | 0.0650% | 4,610 |
| Net operating income to assets | 0.9827% | 2,544 |
| Return on assets (ROA) | 0.9827% | 2,746 |
| Pretax return on assets | 1.3725% | 2,275 |
| Return on Equity (ROE) | 8.3254% | 3,131 |
| Retained earnings to average equity (ytd only) | 8.3254% | 1,850 |
| Net charge-offs to loans | 0.2459% | 2,698 |
| Credit loss provision to net charge-offs | 40.0000% | 3,449 |
| Earnings coverage of net charge-offs (x) | 8.8500% | 1,913 |
| Efficiency ratio | 68.2226% | 4,128 |
| Assets per employee ($millions) | 2.7868% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5635% | 3,876 |
| Loan loss allowance to noncurrent loans | 35.7302% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 3.6820% | 1,540 |
| Noncurrent loans to loans | 4.3759% | 1,353 |
| Net loans and leases to total assets | 60.4948% | 3,557 |
| Net loans and leases to deposits | 68.6561% | 3,934 |
| Net loans and leases to core deposits | 72.0260% | 4,151 |
| Total domestic deposits to total assets | 88.1128% | 2,240 |
| Equity capital to assets | 11.7098% | 2,255 |
| Core capital (leverage) ratio | 11.7914% | 1,715 |
| Tier 1 risk-based capital ratio | 18.9342% | 2,012 |
| Total risk-based capital ratio | 20.1887% | 1,964 |
| Memoranda: | ||
| Average total assets | $49,252,000 | 6,390 |
| Average earning assets | $42,712,000 | 6,434 |
| Average equity | $5,813,500 | 6,196 |
| Average total loans | $32,532,500 | 5,977 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5562% | 1,043 |
| Cost of funding earning assets | 1.1532% | 2,333 |
| Net interest margin | 4.4030% | 1,393 |
| Noninterest income to average assets | 0.5217% | 3,709 |
| Noninterest expense to average assets | 3.6100% | 1,723 |
| Loan and lease loss provision to assets | 0.3758% | 2,738 |
| Net operating income to assets | 0.2738% | 5,356 |
| Return on assets (ROA) | 0.2738% | 5,506 |
| Pretax return on assets | 0.4358% | 5,186 |
| Return on Equity (ROE) | 2.3975% | 5,506 |
| Retained earnings to average equity (ytd only) | 2.3975% | 4,510 |
| Net charge-offs to loans | 0.2137% | 4,453 |
| Credit loss provision to net charge-offs | 261.1111% | 920 |
| Earnings coverage of net charge-offs (x) | 5.6389% | 2,724 |
| Efficiency ratio | 81.6456% | 2,070 |
| Assets per employee ($millions) | 2.6856% | 6,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 4,277 |
| Loan loss allowance to noncurrent loans | 79.8061% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 2.7161% | 2,238 |
| Noncurrent loans to loans | 1.8080% | 3,456 |
| Net loans and leases to total assets | 69.8020% | 2,072 |
| Net loans and leases to deposits | 79.3262% | 2,637 |
| Net loans and leases to core deposits | 82.8639% | 3,045 |
| Total domestic deposits to total assets | 87.9936% | 2,159 |
| Equity capital to assets | 11.9009% | 2,197 |
| Core capital (leverage) ratio | 11.5383% | 1,861 |
| Tier 1 risk-based capital ratio | 18.1541% | 2,144 |
| Total risk-based capital ratio | 19.4078% | 2,113 |
| Memoranda: | ||
| Average total assets | $50,028,200 | 6,365 |
| Average earning assets | $44,310,800 | 6,379 |
| Average equity | $5,714,200 | 6,229 |
| Average total loans | $33,685,800 | 5,967 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5283% | 1,189 |
| Cost of funding earning assets | 1.1949% | 2,349 |
| Net interest margin | 4.3334% | 1,605 |
| Noninterest income to average assets | 0.5339% | 3,626 |
| Noninterest expense to average assets | 3.5863% | 1,737 |
| Loan and lease loss provision to assets | 0.0132% | 6,269 |
| Net operating income to assets | 0.5206% | 4,455 |
| Return on assets (ROA) | 0.5206% | 4,641 |
| Pretax return on assets | 0.7585% | 4,287 |
| Return on Equity (ROE) | 4.6044% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.6044% | 3,444 |
| Net charge-offs to loans | -0.0596% | 7,081 |
| Credit loss provision to net charge-offs | -33.3333% | 6,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2923% | 1,933 |
| Assets per employee ($millions) | 2.6762% | 6,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 5,495 |
| Loan loss allowance to noncurrent loans | 31.0452% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 4.3444% | 1,389 |
| Noncurrent loans to loans | 3.8440% | 1,744 |
| Net loans and leases to total assets | 64.8081% | 3,146 |
| Net loans and leases to deposits | 73.4263% | 3,736 |
| Net loans and leases to core deposits | 79.6428% | 3,693 |
| Total domestic deposits to total assets | 88.2628% | 1,889 |
| Equity capital to assets | 11.4481% | 2,733 |
| Core capital (leverage) ratio | 11.3986% | 2,101 |
| Tier 1 risk-based capital ratio | 17.6419% | 2,382 |
| Total risk-based capital ratio | 18.8566% | 2,367 |
| Memoranda: | ||
| Average total assets | $50,450,000 | 6,412 |
| Average earning assets | $44,521,250 | 6,436 |
| Average equity | $5,704,500 | 6,278 |
| Average total loans | $33,548,000 | 6,034 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4451% | 1,427 |
| Cost of funding earning assets | 1.2125% | 2,491 |
| Net interest margin | 4.2326% | 1,905 |
| Noninterest income to average assets | 0.5803% | 3,261 |
| Noninterest expense to average assets | 3.6846% | 1,558 |
| Loan and lease loss provision to assets | 0.0119% | 6,126 |
| Net operating income to assets | 0.4412% | 4,765 |
| Return on assets (ROA) | 0.4412% | 4,902 |
| Pretax return on assets | 0.6439% | 4,595 |
| Return on Equity (ROE) | 3.9183% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.9183% | 3,697 |
| Net charge-offs to loans | -0.0773% | 7,108 |
| Credit loss provision to net charge-offs | -23.0769% | 6,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8901% | 1,715 |
| Assets per employee ($millions) | 2.5247% | 6,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 5,585 |
| Loan loss allowance to noncurrent loans | 23.6921% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 5.4006% | 1,096 |
| Noncurrent loans to loans | 5.0264% | 1,296 |
| Net loans and leases to total assets | 64.7423% | 3,312 |
| Net loans and leases to deposits | 73.1604% | 3,923 |
| Net loans and leases to core deposits | 79.3644% | 3,877 |
| Total domestic deposits to total assets | 88.4937% | 1,856 |
| Equity capital to assets | 11.3419% | 2,650 |
| Core capital (leverage) ratio | 11.1935% | 2,116 |
| Tier 1 risk-based capital ratio | 17.4027% | 2,374 |
| Total risk-based capital ratio | 18.6069% | 2,367 |
| Memoranda: | ||
| Average total assets | $50,317,670 | 6,474 |
| Average earning assets | $44,700,330 | 6,486 |
| Average equity | $5,665,670 | 6,328 |
| Average total loans | $33,613,670 | 6,097 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5591% | 1,155 |
| Cost of funding earning assets | 1.2304% | 2,626 |
| Net interest margin | 4.3287% | 1,471 |
| Noninterest income to average assets | 0.5574% | 3,456 |
| Noninterest expense to average assets | 3.5358% | 1,920 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6530% | 3,736 |
| Return on assets (ROA) | 0.6530% | 3,812 |
| Pretax return on assets | 0.8601% | 3,663 |
| Return on Equity (ROE) | 5.8208% | 4,005 |
| Retained earnings to average equity (ytd only) | 5.8208% | 2,743 |
| Net charge-offs to loans | 0.2361% | 3,134 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,286 |
| Efficiency ratio | 80.4348% | 2,449 |
| Assets per employee ($millions) | 2.5419% | 6,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 6,150 |
| Loan loss allowance to noncurrent loans | 58.5925% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 3.4502% | 1,977 |
| Noncurrent loans to loans | 1.8307% | 3,792 |
| Net loans and leases to total assets | 64.9488% | 3,249 |
| Net loans and leases to deposits | 73.2708% | 3,877 |
| Net loans and leases to core deposits | 79.4122% | 3,833 |
| Total domestic deposits to total assets | 88.6421% | 1,992 |
| Equity capital to assets | 11.1631% | 2,529 |
| Core capital (leverage) ratio | 11.2225% | 2,017 |
| Tier 1 risk-based capital ratio | 17.8184% | 2,178 |
| Total risk-based capital ratio | 18.9444% | 2,193 |
| Memoranda: | ||
| Average total assets | $50,229,500 | 6,526 |
| Average earning assets | $44,539,500 | 6,543 |
| Average equity | $5,635,000 | 6,355 |
| Average total loans | $33,878,000 | 6,130 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0178% | 822 |
| Cost of funding earning assets | 1.4626% | 2,879 |
| Net interest margin | 4.5552% | 1,122 |
| Noninterest income to average assets | 0.5842% | 3,564 |
| Noninterest expense to average assets | 3.7981% | 1,493 |
| Loan and lease loss provision to assets | 0.2028% | 5,213 |
| Net operating income to assets | 0.4356% | 4,384 |
| Return on assets (ROA) | 0.4356% | 4,538 |
| Pretax return on assets | 0.6785% | 4,053 |
| Return on Equity (ROE) | 3.9423% | 4,553 |
| Retained earnings to average equity (ytd only) | 3.9423% | 3,103 |
| Net charge-offs to loans | 0.4467% | 3,826 |
| Credit loss provision to net charge-offs | 63.5220% | 6,016 |
| Earnings coverage of net charge-offs (x) | 2.7610% | 3,695 |
| Efficiency ratio | 81.1669% | 2,270 |
| Assets per employee ($millions) | 2.4811% | 7,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 5,951 |
| Loan loss allowance to noncurrent loans | 80.4255% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 3.0914% | 2,283 |
| Noncurrent loans to loans | 1.3671% | 4,435 |
| Net loans and leases to total assets | 68.5220% | 2,859 |
| Net loans and leases to deposits | 77.3986% | 3,606 |
| Net loans and leases to core deposits | 84.2572% | 3,560 |
| Total domestic deposits to total assets | 88.5313% | 1,931 |
| Equity capital to assets | 11.2752% | 2,435 |
| Core capital (leverage) ratio | 11.2361% | 1,987 |
| Tier 1 risk-based capital ratio | 16.9008% | 2,379 |
| Total risk-based capital ratio | 18.0450% | 2,393 |
| Memoranda: | ||
| Average total assets | $49,813,800 | 6,541 |
| Average earning assets | $44,783,800 | 6,550 |
| Average equity | $5,504,400 | 6,504 |
| Average total loans | $35,598,000 | 6,134 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0317% | 875 |
| Cost of funding earning assets | 1.4931% | 3,023 |
| Net interest margin | 4.5386% | 1,176 |
| Noninterest income to average assets | 0.4867% | 4,290 |
| Noninterest expense to average assets | 3.7061% | 1,550 |
| Loan and lease loss provision to assets | 0.2300% | 4,771 |
| Net operating income to assets | 0.5027% | 4,304 |
| Return on assets (ROA) | 0.5027% | 4,493 |
| Pretax return on assets | 0.6471% | 4,436 |
| Return on Equity (ROE) | 4.5726% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.5726% | 3,290 |
| Net charge-offs to loans | 0.5719% | 3,036 |
| Credit loss provision to net charge-offs | 55.8442% | 5,786 |
| Earnings coverage of net charge-offs (x) | 2.1298% | 4,123 |
| Efficiency ratio | 80.8635% | 2,237 |
| Assets per employee ($millions) | 2.3663% | 7,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 6,299 |
| Loan loss allowance to noncurrent loans | 35.8325% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 2.9602% | 2,451 |
| Noncurrent loans to loans | 2.8487% | 2,802 |
| Net loans and leases to total assets | 71.8069% | 2,294 |
| Net loans and leases to deposits | 81.1734% | 3,237 |
| Net loans and leases to core deposits | 88.7747% | 3,270 |
| Total domestic deposits to total assets | 88.4612% | 1,691 |
| Equity capital to assets | 11.2189% | 2,759 |
| Core capital (leverage) ratio | 11.0613% | 2,218 |
| Tier 1 risk-based capital ratio | 16.7749% | 2,418 |
| Total risk-based capital ratio | 17.8864% | 2,450 |
| Memoranda: | ||
| Average total assets | $49,861,750 | 6,620 |
| Average earning assets | $45,005,500 | 6,617 |
| Average equity | $5,481,750 | 6,596 |
| Average total loans | $35,902,500 | 6,208 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9854% | 980 |
| Cost of funding earning assets | 1.5284% | 3,086 |
| Net interest margin | 4.4570% | 1,301 |
| Noninterest income to average assets | 0.4567% | 4,463 |
| Noninterest expense to average assets | 3.5658% | 1,866 |
| Loan and lease loss provision to assets | 0.2404% | 4,509 |
| Net operating income to assets | 0.4968% | 4,343 |
| Return on assets (ROA) | 0.4968% | 4,499 |
| Pretax return on assets | 0.6931% | 4,264 |
| Return on Equity (ROE) | 4.5499% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.5499% | 3,178 |
| Net charge-offs to loans | 0.3012% | 3,809 |
| Credit loss provision to net charge-offs | 111.1111% | 3,644 |
| Earnings coverage of net charge-offs (x) | 4.3148% | 2,995 |
| Efficiency ratio | 79.2520% | 2,536 |
| Assets per employee ($millions) | 2.6296% | 6,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 5,101 |
| Loan loss allowance to noncurrent loans | 23.3527% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 4.0151% | 1,718 |
| Noncurrent loans to loans | 5.4192% | 1,223 |
| Net loans and leases to total assets | 69.1766% | 3,091 |
| Net loans and leases to deposits | 78.0233% | 3,961 |
| Net loans and leases to core deposits | 85.2499% | 3,947 |
| Total domestic deposits to total assets | 88.6614% | 1,637 |
| Equity capital to assets | 11.0344% | 2,825 |
| Core capital (leverage) ratio | 10.5774% | 2,561 |
| Tier 1 risk-based capital ratio | 16.5391% | 2,457 |
| Total risk-based capital ratio | 17.7894% | 2,408 |
| Memoranda: | ||
| Average total assets | $49,918,000 | 6,653 |
| Average earning assets | $45,277,000 | 6,657 |
| Average equity | $5,450,670 | 6,632 |
| Average total loans | $35,853,000 | 6,251 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0103% | 963 |
| Cost of funding earning assets | 1.5710% | 3,136 |
| Net interest margin | 4.4393% | 1,273 |
| Noninterest income to average assets | 0.4489% | 4,479 |
| Noninterest expense to average assets | 3.4953% | 1,994 |
| Loan and lease loss provision to assets | 0.1603% | 4,925 |
| Net operating income to assets | 0.6413% | 3,704 |
| Return on assets (ROA) | 0.6413% | 3,821 |
| Pretax return on assets | 0.8257% | 3,760 |
| Return on Equity (ROE) | 5.9046% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.9046% | 2,663 |
| Net charge-offs to loans | 0.0441% | 4,974 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 853 |
| Efficiency ratio | 77.9964% | 2,895 |
| Assets per employee ($millions) | 2.6034% | 7,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 5,173 |
| Loan loss allowance to noncurrent loans | 18.8123% | 7,070 |
| Noncurrent assets plus other real estate owned to assets | 5.6021% | 1,094 |
| Noncurrent loans to loans | 6.6779% | 927 |
| Net loans and leases to total assets | 71.9837% | 2,450 |
| Net loans and leases to deposits | 81.1773% | 3,434 |
| Net loans and leases to core deposits | 88.7576% | 3,528 |
| Total domestic deposits to total assets | 88.6746% | 1,691 |
| Equity capital to assets | 11.0404% | 2,722 |
| Core capital (leverage) ratio | 10.9608% | 2,254 |
| Tier 1 risk-based capital ratio | 16.0687% | 2,627 |
| Total risk-based capital ratio | 17.3197% | 2,579 |
| Memoranda: | ||
| Average total assets | $49,896,000 | 6,732 |
| Average earning assets | $45,322,500 | 6,733 |
| Average equity | $5,419,500 | 6,703 |
| Average total loans | $36,277,000 | 6,296 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1563% | 1,357 |
| Cost of funding earning assets | 2.1978% | 2,045 |
| Net interest margin | 3.9585% | 3,034 |
| Noninterest income to average assets | 0.6721% | 3,141 |
| Noninterest expense to average assets | 3.5414% | 2,289 |
| Loan and lease loss provision to assets | 0.4266% | 4,269 |
| Net operating income to assets | 0.2299% | 4,805 |
| Return on assets (ROA) | 0.2299% | 4,871 |
| Pretax return on assets | 0.3039% | 4,745 |
| Return on Equity (ROE) | 2.2044% | 4,831 |
| Retained earnings to average equity (ytd only) | 2.2044% | 3,567 |
| Net charge-offs to loans | 0.4272% | 4,085 |
| Credit loss provision to net charge-offs | 140.3846% | 3,463 |
| Earnings coverage of net charge-offs (x) | 2.4038% | 3,929 |
| Efficiency ratio | 82.9001% | 2,486 |
| Assets per employee ($millions) | 2.5164% | 7,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 5,380 |
| Loan loss allowance to noncurrent loans | 23.2447% | 6,900 |
| Noncurrent assets plus other real estate owned to assets | 4.8800% | 1,279 |
| Noncurrent loans to loans | 5.1514% | 1,290 |
| Net loans and leases to total assets | 71.6460% | 2,850 |
| Net loans and leases to deposits | 80.4633% | 3,899 |
| Net loans and leases to core deposits | 100.9434% | 3,907 |
| Total domestic deposits to total assets | 89.0419% | 1,462 |
| Equity capital to assets | 10.6859% | 2,977 |
| Core capital (leverage) ratio | 10.5338% | 2,569 |
| Tier 1 risk-based capital ratio | 15.2072% | 2,840 |
| Total risk-based capital ratio | 16.4456% | 2,805 |
| Memoranda: | ||
| Average total assets | $51,335,400 | 6,655 |
| Average earning assets | $46,683,800 | 6,655 |
| Average equity | $5,353,000 | 6,822 |
| Average total loans | $36,516,400 | 6,276 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1392% | 1,528 |
| Cost of funding earning assets | 2.3200% | 1,907 |
| Net interest margin | 3.8192% | 3,577 |
| Noninterest income to average assets | 0.7056% | 2,982 |
| Noninterest expense to average assets | 3.4297% | 2,479 |
| Loan and lease loss provision to assets | 0.2481% | 4,969 |
| Net operating income to assets | 0.4058% | 4,375 |
| Return on assets (ROA) | 0.4058% | 4,480 |
| Pretax return on assets | 0.5040% | 4,508 |
| Return on Equity (ROE) | 3.9151% | 4,406 |
| Retained earnings to average equity (ytd only) | 3.9151% | 3,096 |
| Net charge-offs to loans | 0.3870% | 3,721 |
| Credit loss provision to net charge-offs | 90.5660% | 5,468 |
| Earnings coverage of net charge-offs (x) | 2.7453% | 3,855 |
| Efficiency ratio | 82.0148% | 2,581 |
| Assets per employee ($millions) | 2.5327% | 7,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 6,110 |
| Loan loss allowance to noncurrent loans | 15.8446% | 7,290 |
| Noncurrent assets plus other real estate owned to assets | 5.7764% | 960 |
| Noncurrent loans to loans | 6.4989% | 887 |
| Net loans and leases to total assets | 68.8771% | 3,753 |
| Net loans and leases to deposits | 77.6260% | 4,792 |
| Net loans and leases to core deposits | 97.6790% | 4,642 |
| Total domestic deposits to total assets | 88.7294% | 1,324 |
| Equity capital to assets | 10.7218% | 3,271 |
| Core capital (leverage) ratio | 10.4455% | 2,835 |
| Tier 1 risk-based capital ratio | 15.8384% | 2,688 |
| Total risk-based capital ratio | 16.9021% | 2,693 |
| Memoranda: | ||
| Average total assets | $51,587,250 | 6,701 |
| Average earning assets | $46,954,000 | 6,690 |
| Average equity | $5,346,750 | 6,889 |
| Average total loans | $36,521,750 | 6,317 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3016% | 1,204 |
| Cost of funding earning assets | 2.4155% | 1,902 |
| Net interest margin | 3.8861% | 3,174 |
| Noninterest income to average assets | 0.7553% | 2,675 |
| Noninterest expense to average assets | 3.4722% | 2,424 |
| Loan and lease loss provision to assets | 0.2158% | 4,884 |
| Net operating income to assets | 0.4123% | 4,463 |
| Return on assets (ROA) | 0.4123% | 4,569 |
| Pretax return on assets | 0.6012% | 4,319 |
| Return on Equity (ROE) | 4.0236% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.0236% | 3,045 |
| Net charge-offs to loans | 0.3844% | 3,279 |
| Credit loss provision to net charge-offs | 78.8732% | 5,233 |
| Earnings coverage of net charge-offs (x) | 2.9859% | 3,614 |
| Efficiency ratio | 80.9524% | 2,894 |
| Assets per employee ($millions) | 2.4629% | 7,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 6,545 |
| Loan loss allowance to noncurrent loans | 38.3298% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 3.3758% | 1,854 |
| Noncurrent loans to loans | 2.4831% | 2,918 |
| Net loans and leases to total assets | 72.0326% | 3,218 |
| Net loans and leases to deposits | 80.9034% | 4,406 |
| Net loans and leases to core deposits | 103.6040% | 4,106 |
| Total domestic deposits to total assets | 89.0354% | 1,251 |
| Equity capital to assets | 10.3904% | 3,526 |
| Core capital (leverage) ratio | 10.0686% | 3,222 |
| Tier 1 risk-based capital ratio | 15.4212% | 2,851 |
| Total risk-based capital ratio | 16.4521% | 2,869 |
| Memoranda: | ||
| Average total assets | $51,898,330 | 6,750 |
| Average earning assets | $47,194,330 | 6,743 |
| Average equity | $5,318,670 | 6,956 |
| Average total loans | $36,945,000 | 6,346 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2932% | 1,319 |
| Cost of funding earning assets | 2.5325% | 1,793 |
| Net interest margin | 3.7607% | 3,614 |
| Noninterest income to average assets | 0.4693% | 4,595 |
| Noninterest expense to average assets | 3.2624% | 2,761 |
| Loan and lease loss provision to assets | 0.1847% | 4,595 |
| Net operating income to assets | 0.3693% | 4,977 |
| Return on assets (ROA) | 0.3693% | 5,161 |
| Pretax return on assets | 0.4386% | 5,276 |
| Return on Equity (ROE) | 3.6288% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.6288% | 3,880 |
| Net charge-offs to loans | 0.4480% | 2,328 |
| Credit loss provision to net charge-offs | 58.5366% | 4,543 |
| Earnings coverage of net charge-offs (x) | 1.9756% | 3,736 |
| Efficiency ratio | 83.9604% | 2,313 |
| Assets per employee ($millions) | 2.6093% | 7,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 6,244 |
| Loan loss allowance to noncurrent loans | 29.8157% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 3.4358% | 1,572 |
| Noncurrent loans to loans | 3.3304% | 1,923 |
| Net loans and leases to total assets | 68.0182% | 4,134 |
| Net loans and leases to deposits | 76.1864% | 5,197 |
| Net loans and leases to core deposits | 96.8724% | 4,858 |
| Total domestic deposits to total assets | 89.2787% | 1,107 |
| Equity capital to assets | 10.1751% | 3,787 |
| Core capital (leverage) ratio | 10.0370% | 3,369 |
| Tier 1 risk-based capital ratio | 15.5504% | 2,829 |
| Total risk-based capital ratio | 16.5957% | 2,854 |
| Memoranda: | ||
| Average total assets | $51,987,000 | 6,784 |
| Average earning assets | $47,225,500 | 6,782 |
| Average equity | $5,291,000 | 7,014 |
| Average total loans | $36,610,500 | 6,408 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2527% | 657 |
| Cost of funding earning assets | 2.8938% | 2,293 |
| Net interest margin | 4.3589% | 1,798 |
| Noninterest income to average assets | 0.5495% | 4,235 |
| Noninterest expense to average assets | 3.2654% | 3,089 |
| Loan and lease loss provision to assets | 0.2021% | 4,870 |
| Net operating income to assets | 0.6817% | 3,974 |
| Return on assets (ROA) | 0.6829% | 3,804 |
| Pretax return on assets | 1.0656% | 3,157 |
| Return on Equity (ROE) | 6.7694% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.4970% | 1,335 |
| Net charge-offs to loans | 0.2222% | 4,006 |
| Credit loss provision to net charge-offs | 127.1605% | 4,198 |
| Earnings coverage of net charge-offs (x) | 7.9630% | 2,977 |
| Efficiency ratio | 72.0658% | 3,921 |
| Assets per employee ($millions) | 2.5894% | 7,028 |
| Cash dividends to net income (ytd only)* | 4.0230% | 4,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 6,075 |
| Loan loss allowance to noncurrent loans | 40.8096% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 2.9659% | 1,555 |
| Noncurrent loans to loans | 2.4459% | 2,237 |
| Net loans and leases to total assets | 71.4374% | 3,699 |
| Net loans and leases to deposits | 80.0710% | 5,036 |
| Net loans and leases to core deposits | 101.9876% | 4,615 |
| Total domestic deposits to total assets | 89.2176% | 954 |
| Equity capital to assets | 10.1800% | 3,829 |
| Core capital (leverage) ratio | 10.2115% | 3,253 |
| Tier 1 risk-based capital ratio | 14.8994% | 3,091 |
| Total risk-based capital ratio | 15.9583% | 3,118 |
| Memoranda: | ||
| Average total assets | $50,957,800 | 6,737 |
| Average earning assets | $46,548,400 | 6,741 |
| Average equity | $5,140,800 | 7,102 |
| Average total loans | $36,450,200 | 6,344 |