Home > Chester County Bank > Performance and Condition Ratios
Chester County Bank, Performance and Condition Ratios
| 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 | 4.1741% | 3,986 |
| Cost of funding earning assets | 0.6807% | 3,272 |
| Net interest margin | 3.4934% | 3,617 |
| Noninterest income to average assets | 0.4843% | 2,760 |
| Noninterest expense to average assets | 2.7138% | 2,861 |
| Loan and lease loss provision to assets | 0.0362% | 3,093 |
| Net operating income to assets | 0.7541% | 3,813 |
| Return on assets (ROA) | 0.7849% | 3,769 |
| Pretax return on assets | 1.0159% | 3,487 |
| Return on Equity (ROE) | 7.0289% | 3,669 |
| Retained earnings to average equity (ytd only) | 7.0289% | 1,790 |
| Net charge-offs to loans | -1.2076% | 5,256 |
| Credit loss provision to net charge-offs | -8.6667% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8155% | 1,803 |
| Assets per employee ($millions) | 2.9577% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5896% | 1,046 |
| Loan loss allowance to noncurrent loans | 79.2969% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.7213% | 1,909 |
| Noncurrent loans to loans | 2.0046% | 713 |
| Net loans and leases to total assets | 35.4089% | 4,995 |
| Net loans and leases to deposits | 40.2908% | 5,043 |
| Net loans and leases to core deposits | 44.4490% | 4,988 |
| Total domestic deposits to total assets | 87.8834% | 1,152 |
| Equity capital to assets | 11.9124% | 2,261 |
| Core capital (leverage) ratio | 11.6537% | 2,057 |
| Tier 1 risk-based capital ratio | 24.4857% | 805 |
| Total risk-based capital ratio | 25.6857% | 793 |
| Memoranda: | ||
| Average total assets | $71,854,670 | 4,490 |
| Average earning assets | $66,697,000 | 4,484 |
| Average equity | $8,024,000 | 4,579 |
| Average total loans | $24,843,670 | 4,861 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1132% | 4,088 |
| Cost of funding earning assets | 0.6479% | 3,332 |
| Net interest margin | 3.4653% | 3,695 |
| Noninterest income to average assets | 0.4759% | 2,700 |
| Noninterest expense to average assets | 2.5841% | 3,259 |
| Loan and lease loss provision to assets | 0.0332% | 2,965 |
| Net operating income to assets | 0.8577% | 3,415 |
| Return on assets (ROA) | 0.8577% | 3,458 |
| Pretax return on assets | 1.0845% | 3,193 |
| Return on Equity (ROE) | 7.9406% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.9406% | 1,687 |
| Net charge-offs to loans | -0.0163% | 4,411 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8057% | 2,377 |
| Assets per employee ($millions) | 3.1790% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,535 |
| Loan loss allowance to noncurrent loans | 47.9924% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 1,963 |
| Noncurrent loans to loans | 2.1421% | 675 |
| Net loans and leases to total assets | 33.0484% | 5,093 |
| Net loans and leases to deposits | 37.2178% | 5,127 |
| Net loans and leases to core deposits | 40.8818% | 5,097 |
| Total domestic deposits to total assets | 88.7974% | 959 |
| Equity capital to assets | 11.0439% | 2,805 |
| Core capital (leverage) ratio | 11.4945% | 2,138 |
| Tier 1 risk-based capital ratio | 22.8770% | 949 |
| Total risk-based capital ratio | 23.5877% | 993 |
| Memoranda: | ||
| Average total assets | $72,289,500 | 4,531 |
| Average earning assets | $67,296,000 | 4,524 |
| Average equity | $7,808,000 | 4,638 |
| Average total loans | $24,495,000 | 4,925 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 3,134 |
| Cost of funding earning assets | 0.4591% | 3,615 |
| Net interest margin | 3.8349% | 2,549 |
| Noninterest income to average assets | 0.6201% | 2,190 |
| Noninterest expense to average assets | 2.8307% | 2,580 |
| Loan and lease loss provision to assets | 0.4605% | 275 |
| Net operating income to assets | 0.7658% | 3,925 |
| Return on assets (ROA) | 0.7670% | 3,924 |
| Pretax return on assets | 0.8814% | 3,945 |
| Return on Equity (ROE) | 7.3667% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.3317% | 2,576 |
| Net charge-offs to loans | 1.1886% | 105 |
| Credit loss provision to net charge-offs | 109.3960% | 2,349 |
| Earnings coverage of net charge-offs (x) | 3.1846% | 3,441 |
| Efficiency ratio | 67.8632% | 2,568 |
| Assets per employee ($millions) | 2.9776% | 5,006 |
| Cash dividends to net income (ytd only)* | 27.6243% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 3,742 |
| Loan loss allowance to noncurrent loans | 48.9960% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7207% | 1,925 |
| Noncurrent loans to loans | 2.0264% | 664 |
| Net loans and leases to total assets | 34.0475% | 5,122 |
| Net loans and leases to deposits | 38.2599% | 5,149 |
| Net loans and leases to core deposits | 42.3811% | 5,116 |
| Total domestic deposits to total assets | 88.9900% | 860 |
| Equity capital to assets | 10.5525% | 3,128 |
| Core capital (leverage) ratio | 11.0567% | 2,477 |
| Tier 1 risk-based capital ratio | 22.9651% | 926 |
| Total risk-based capital ratio | 23.6847% | 949 |
| Memoranda: | ||
| Average total assets | $70,795,200 | 4,568 |
| Average earning assets | $65,556,400 | 4,568 |
| Average equity | $7,371,000 | 4,694 |
| Average total loans | $25,072,200 | 4,936 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 2,872 |
| Cost of funding earning assets | 0.4195% | 3,726 |
| Net interest margin | 3.9040% | 2,284 |
| Noninterest income to average assets | 0.5210% | 2,735 |
| Noninterest expense to average assets | 2.8826% | 2,361 |
| Loan and lease loss provision to assets | 0.6022% | 170 |
| Net operating income to assets | 0.5534% | 4,638 |
| Return on assets (ROA) | 0.5550% | 4,642 |
| Pretax return on assets | 0.6569% | 4,626 |
| Return on Equity (ROE) | 5.3488% | 4,462 |
| Retained earnings to average equity (ytd only) | 3.5295% | 4,007 |
| Net charge-offs to loans | 1.5610% | 78 |
| Credit loss provision to net charge-offs | 108.1356% | 2,138 |
| Earnings coverage of net charge-offs (x) | 2.2577% | 3,260 |
| Efficiency ratio | 69.6306% | 2,251 |
| Assets per employee ($millions) | 2.7921% | 5,156 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 4,139 |
| Loan loss allowance to noncurrent loans | 49.5851% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 2,131 |
| Noncurrent loans to loans | 1.8737% | 810 |
| Net loans and leases to total assets | 36.5099% | 5,127 |
| Net loans and leases to deposits | 41.2639% | 5,178 |
| Net loans and leases to core deposits | 44.2532% | 5,161 |
| Total domestic deposits to total assets | 88.4790% | 1,057 |
| Equity capital to assets | 10.2317% | 3,420 |
| Core capital (leverage) ratio | 10.9182% | 2,661 |
| Tier 1 risk-based capital ratio | 22.8028% | 959 |
| Total risk-based capital ratio | 23.5156% | 998 |
| Memoranda: | ||
| Average total assets | $70,628,500 | 4,621 |
| Average earning assets | $65,469,500 | 4,615 |
| Average equity | $7,328,500 | 4,747 |
| Average total loans | $25,196,500 | 4,990 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 2,713 |
| Cost of funding earning assets | 0.3985% | 3,731 |
| Net interest margin | 3.9148% | 2,157 |
| Noninterest income to average assets | 0.5049% | 2,835 |
| Noninterest expense to average assets | 2.8320% | 2,572 |
| Loan and lease loss provision to assets | 0.0367% | 3,178 |
| Net operating income to assets | 1.0301% | 2,892 |
| Return on assets (ROA) | 1.0324% | 2,884 |
| Pretax return on assets | 1.2693% | 2,633 |
| Return on Equity (ROE) | 9.9044% | 2,611 |
| Retained earnings to average equity (ytd only) | 7.1983% | 1,978 |
| Net charge-offs to loans | -0.0160% | 4,479 |
| Credit loss provision to net charge-offs | -650.0000% | 4,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4857% | 2,562 |
| Assets per employee ($millions) | 2.8351% | 5,200 |
| Cash dividends to net income (ytd only)* | 27.3224% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 4,263 |
| Loan loss allowance to noncurrent loans | 47.2279% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 2,090 |
| Noncurrent loans to loans | 1.9413% | 787 |
| Net loans and leases to total assets | 35.0687% | 5,203 |
| Net loans and leases to deposits | 39.2676% | 5,264 |
| Net loans and leases to core deposits | 43.0608% | 5,214 |
| Total domestic deposits to total assets | 89.3070% | 813 |
| Equity capital to assets | 10.4123% | 3,197 |
| Core capital (leverage) ratio | 11.2472% | 2,305 |
| Tier 1 risk-based capital ratio | 26.8796% | 617 |
| Total risk-based capital ratio | 27.6488% | 632 |
| Memoranda: | ||
| Average total assets | $70,903,670 | 4,671 |
| Average earning assets | $65,751,000 | 4,662 |
| Average equity | $7,390,670 | 4,788 |
| Average total loans | $25,020,670 | 5,055 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 2,323 |
| Cost of funding earning assets | 0.4007% | 3,579 |
| Net interest margin | 3.9589% | 1,847 |
| Noninterest income to average assets | 0.4907% | 2,865 |
| Noninterest expense to average assets | 2.8935% | 2,390 |
| Loan and lease loss provision to assets | 0.0338% | 3,052 |
| Net operating income to assets | 1.0040% | 2,842 |
| Return on assets (ROA) | 1.0040% | 2,859 |
| Pretax return on assets | 1.2409% | 2,591 |
| Return on Equity (ROE) | 9.6268% | 2,618 |
| Retained earnings to average equity (ytd only) | 4.2185% | 3,502 |
| Net charge-offs to loans | 0.0640% | 1,464 |
| Credit loss provision to net charge-offs | 150.0000% | 1,229 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 875 |
| Efficiency ratio | 69.4181% | 2,596 |
| Assets per employee ($millions) | 2.9899% | 5,161 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 4,470 |
| Loan loss allowance to noncurrent loans | 947.8261% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 4,793 |
| Noncurrent loans to loans | 0.0944% | 4,550 |
| Net loans and leases to total assets | 33.6478% | 5,281 |
| Net loans and leases to deposits | 37.5470% | 5,328 |
| Net loans and leases to core deposits | 41.1084% | 5,282 |
| Total domestic deposits to total assets | 89.6151% | 832 |
| Equity capital to assets | 10.1424% | 3,459 |
| Core capital (leverage) ratio | 10.8741% | 2,563 |
| Tier 1 risk-based capital ratio | 26.4842% | 650 |
| Total risk-based capital ratio | 27.2328% | 670 |
| Memoranda: | ||
| Average total assets | $70,916,500 | 4,726 |
| Average earning assets | $65,877,500 | 4,716 |
| Average equity | $7,396,000 | 4,835 |
| Average total loans | $24,988,000 | 5,107 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 2,949 |
| Cost of funding earning assets | 0.4348% | 2,916 |
| Net interest margin | 3.6962% | 2,810 |
| Noninterest income to average assets | 0.5082% | 2,947 |
| Noninterest expense to average assets | 3.0167% | 2,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6775% | 3,690 |
| Return on assets (ROA) | 0.6933% | 3,682 |
| Pretax return on assets | 0.9382% | 3,785 |
| Return on Equity (ROE) | 6.5030% | 3,530 |
| Retained earnings to average equity (ytd only) | 3.8324% | 2,923 |
| Net charge-offs to loans | 0.1114% | 1,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 22.2069% | 1,863 |
| Efficiency ratio | 76.6920% | 1,520 |
| Assets per employee ($millions) | 2.9198% | 5,253 |
| Cash dividends to net income (ytd only)* | 41.0678% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 4,685 |
| Loan loss allowance to noncurrent loans | 144.0000% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 4,064 |
| Noncurrent loans to loans | 0.5856% | 2,754 |
| Net loans and leases to total assets | 36.2426% | 5,279 |
| Net loans and leases to deposits | 40.6489% | 5,327 |
| Net loans and leases to core deposits | 44.8109% | 5,269 |
| Total domestic deposits to total assets | 89.1602% | 924 |
| Equity capital to assets | 10.7228% | 2,921 |
| Core capital (leverage) ratio | 10.8603% | 2,468 |
| Tier 1 risk-based capital ratio | 26.1219% | 656 |
| Total risk-based capital ratio | 26.8613% | 674 |
| Memoranda: | ||
| Average total assets | $70,243,200 | 4,772 |
| Average earning assets | $65,094,600 | 4,763 |
| Average equity | $7,488,800 | 4,861 |
| Average total loans | $26,036,600 | 5,128 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 2,905 |
| Cost of funding earning assets | 0.4379% | 2,832 |
| Net interest margin | 3.6856% | 2,802 |
| Noninterest income to average assets | 0.5179% | 2,917 |
| Noninterest expense to average assets | 2.9612% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7245% | 3,850 |
| Return on assets (ROA) | 0.7455% | 3,824 |
| Pretax return on assets | 1.0016% | 3,688 |
| Return on Equity (ROE) | 7.0029% | 3,660 |
| Retained earnings to average equity (ytd only) | 5.2210% | 2,727 |
| Net charge-offs to loans | 0.0612% | 2,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 42.7488% | 1,241 |
| Efficiency ratio | 75.2652% | 1,698 |
| Assets per employee ($millions) | 2.7848% | 5,397 |
| Cash dividends to net income (ytd only)* | 25.4451% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 4,567 |
| Loan loss allowance to noncurrent loans | 180.6202% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 4,365 |
| Noncurrent loans to loans | 0.4988% | 3,203 |
| Net loans and leases to total assets | 36.8122% | 5,316 |
| Net loans and leases to deposits | 41.6130% | 5,374 |
| Net loans and leases to core deposits | 45.9318% | 5,312 |
| Total domestic deposits to total assets | 88.4633% | 1,142 |
| Equity capital to assets | 11.1245% | 2,742 |
| Core capital (leverage) ratio | 10.8657% | 2,582 |
| Tier 1 risk-based capital ratio | 26.1545% | 663 |
| Total risk-based capital ratio | 26.9522% | 688 |
| Memoranda: | ||
| Average total assets | $70,285,250 | 4,823 |
| Average earning assets | $65,152,500 | 4,809 |
| Average equity | $7,482,500 | 4,913 |
| Average total loans | $26,142,500 | 5,176 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 2,737 |
| Cost of funding earning assets | 0.4414% | 2,679 |
| Net interest margin | 3.6871% | 2,696 |
| Noninterest income to average assets | 0.5163% | 2,922 |
| Noninterest expense to average assets | 2.9983% | 2,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6781% | 3,946 |
| Return on assets (ROA) | 0.7092% | 3,870 |
| Pretax return on assets | 0.9730% | 3,678 |
| Return on Equity (ROE) | 6.7613% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.0568% | 3,292 |
| Net charge-offs to loans | -0.0229% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3177% | 1,671 |
| Assets per employee ($millions) | 2.8196% | 5,409 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 4,417 |
| Loan loss allowance to noncurrent loans | 217.5439% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 4,535 |
| Noncurrent loans to loans | 0.4367% | 3,448 |
| Net loans and leases to total assets | 36.6809% | 5,352 |
| Net loans and leases to deposits | 41.3359% | 5,411 |
| Net loans and leases to core deposits | 45.7653% | 5,345 |
| Total domestic deposits to total assets | 88.7387% | 1,088 |
| Equity capital to assets | 10.8428% | 2,977 |
| Core capital (leverage) ratio | 10.4595% | 2,963 |
| Tier 1 risk-based capital ratio | 24.8128% | 769 |
| Total risk-based capital ratio | 25.6418% | 791 |
| Memoranda: | ||
| Average total assets | $70,506,670 | 4,853 |
| Average earning assets | $65,254,000 | 4,845 |
| Average equity | $7,395,000 | 4,946 |
| Average total loans | $26,236,000 | 5,214 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1885% | 2,310 |
| Cost of funding earning assets | 0.4360% | 2,656 |
| Net interest margin | 3.7524% | 2,297 |
| Noninterest income to average assets | 0.5162% | 2,864 |
| Noninterest expense to average assets | 3.0632% | 1,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6977% | 3,718 |
| Return on assets (ROA) | 0.6977% | 3,757 |
| Pretax return on assets | 0.9189% | 3,696 |
| Return on Equity (ROE) | 6.7666% | 3,511 |
| Retained earnings to average equity (ytd only) | 1.2653% | 4,576 |
| Net charge-offs to loans | 0.0304% | 2,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 649 |
| Efficiency ratio | 76.9231% | 1,768 |
| Assets per employee ($millions) | 2.8702% | 5,449 |
| Cash dividends to net income (ytd only)* | 81.3008% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 4,595 |
| Loan loss allowance to noncurrent loans | 151.8750% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 4,327 |
| Noncurrent loans to loans | 0.6197% | 2,964 |
| Net loans and leases to total assets | 35.6426% | 5,415 |
| Net loans and leases to deposits | 39.8557% | 5,474 |
| Net loans and leases to core deposits | 43.7913% | 5,414 |
| Total domestic deposits to total assets | 89.4292% | 931 |
| Equity capital to assets | 10.2322% | 3,481 |
| Core capital (leverage) ratio | 10.3074% | 3,097 |
| Tier 1 risk-based capital ratio | 24.6620% | 809 |
| Total risk-based capital ratio | 25.4752% | 823 |
| Memoranda: | ||
| Average total assets | $70,515,500 | 4,905 |
| Average earning assets | $65,131,000 | 4,904 |
| Average equity | $7,271,000 | 5,014 |
| Average total loans | $26,302,000 | 5,263 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 2,679 |
| Cost of funding earning assets | 0.4495% | 2,539 |
| Net interest margin | 3.6947% | 2,714 |
| Noninterest income to average assets | 0.6231% | 2,542 |
| Noninterest expense to average assets | 2.9407% | 2,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7714% | 3,447 |
| Return on assets (ROA) | 0.8345% | 3,242 |
| Pretax return on assets | 1.1912% | 2,710 |
| Return on Equity (ROE) | 7.9927% | 2,939 |
| Retained earnings to average equity (ytd only) | 5.6300% | 1,936 |
| Net charge-offs to loans | 0.0884% | 2,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 32.5417% | 1,358 |
| Efficiency ratio | 72.7590% | 2,468 |
| Assets per employee ($millions) | 2.7711% | 5,512 |
| Cash dividends to net income (ytd only)* | 29.5608% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 4,728 |
| Loan loss allowance to noncurrent loans | 202.4793% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 4,618 |
| Noncurrent loans to loans | 0.4517% | 3,531 |
| Net loans and leases to total assets | 38.3114% | 5,393 |
| Net loans and leases to deposits | 42.9237% | 5,465 |
| Net loans and leases to core deposits | 48.8182% | 5,340 |
| Total domestic deposits to total assets | 89.2547% | 981 |
| Equity capital to assets | 10.3931% | 3,280 |
| Core capital (leverage) ratio | 10.3370% | 3,063 |
| Tier 1 risk-based capital ratio | 24.2539% | 848 |
| Total risk-based capital ratio | 25.0627% | 870 |
| Memoranda: | ||
| Average total assets | $70,936,600 | 4,915 |
| Average earning assets | $65,635,000 | 4,902 |
| Average equity | $7,406,800 | 5,024 |
| Average total loans | $27,138,400 | 5,292 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 2,619 |
| Cost of funding earning assets | 0.4508% | 2,555 |
| Net interest margin | 3.7156% | 2,659 |
| Noninterest income to average assets | 0.5699% | 2,814 |
| Noninterest expense to average assets | 2.8870% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7633% | 3,541 |
| Return on assets (ROA) | 0.8446% | 3,293 |
| Pretax return on assets | 1.2370% | 2,668 |
| Return on Equity (ROE) | 8.0800% | 2,963 |
| Retained earnings to average equity (ytd only) | 6.7393% | 1,761 |
| Net charge-offs to loans | -0.0098% | 4,762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0952% | 2,568 |
| Assets per employee ($millions) | 2.9457% | 5,433 |
| Cash dividends to net income (ytd only)* | 16.5934% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 4,459 |
| Loan loss allowance to noncurrent loans | 237.7193% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 4,789 |
| Noncurrent loans to loans | 0.4172% | 3,785 |
| Net loans and leases to total assets | 38.2695% | 5,455 |
| Net loans and leases to deposits | 43.3775% | 5,534 |
| Net loans and leases to core deposits | 48.3246% | 5,446 |
| Total domestic deposits to total assets | 88.2242% | 1,282 |
| Equity capital to assets | 10.9653% | 3,048 |
| Core capital (leverage) ratio | 10.3222% | 3,201 |
| Tier 1 risk-based capital ratio | 23.4560% | 951 |
| Total risk-based capital ratio | 24.3259% | 980 |
| Memoranda: | ||
| Average total assets | $71,351,500 | 4,949 |
| Average earning assets | $65,955,000 | 4,932 |
| Average equity | $7,458,500 | 5,066 |
| Average total loans | $27,226,500 | 5,344 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2193% | 2,448 |
| Cost of funding earning assets | 0.4561% | 2,507 |
| Net interest margin | 3.7633% | 2,462 |
| Noninterest income to average assets | 0.5561% | 2,875 |
| Noninterest expense to average assets | 2.8699% | 2,775 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8124% | 3,251 |
| Return on assets (ROA) | 0.8914% | 3,029 |
| Pretax return on assets | 1.2827% | 2,473 |
| Return on Equity (ROE) | 8.6677% | 2,656 |
| Retained earnings to average equity (ytd only) | 6.6298% | 1,795 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0727% | 2,805 |
| Assets per employee ($millions) | 2.8380% | 5,582 |
| Cash dividends to net income (ytd only)* | 23.5110% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 4,542 |
| Loan loss allowance to noncurrent loans | 227.9661% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 4,840 |
| Noncurrent loans to loans | 0.4378% | 3,800 |
| Net loans and leases to total assets | 37.6143% | 5,533 |
| Net loans and leases to deposits | 42.4506% | 5,603 |
| Net loans and leases to core deposits | 47.2914% | 5,521 |
| Total domestic deposits to total assets | 88.6073% | 1,112 |
| Equity capital to assets | 10.6950% | 3,404 |
| Core capital (leverage) ratio | 10.0763% | 3,480 |
| Tier 1 risk-based capital ratio | 24.1224% | 892 |
| Total risk-based capital ratio | 25.0269% | 902 |
| Memoranda: | ||
| Average total assets | $71,570,000 | 4,992 |
| Average earning assets | $66,219,330 | 4,974 |
| Average equity | $7,360,670 | 5,130 |
| Average total loans | $27,193,330 | 5,398 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3243% | 2,048 |
| Cost of funding earning assets | 0.4571% | 2,501 |
| Net interest margin | 3.8672% | 2,048 |
| Noninterest income to average assets | 0.5342% | 2,903 |
| Noninterest expense to average assets | 2.9605% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8047% | 3,223 |
| Return on assets (ROA) | 0.8514% | 3,116 |
| Pretax return on assets | 1.2187% | 2,625 |
| Return on Equity (ROE) | 8.4449% | 2,683 |
| Retained earnings to average equity (ytd only) | 4.3052% | 3,329 |
| Net charge-offs to loans | 0.0293% | 2,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 103.5000% | 527 |
| Efficiency ratio | 71.9892% | 2,804 |
| Assets per employee ($millions) | 2.8527% | 5,643 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 4,751 |
| Loan loss allowance to noncurrent loans | 226.2712% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 4,908 |
| Noncurrent loans to loans | 0.4299% | 3,906 |
| Net loans and leases to total assets | 38.1157% | 5,555 |
| Net loans and leases to deposits | 42.8085% | 5,633 |
| Net loans and leases to core deposits | 47.1289% | 5,548 |
| Total domestic deposits to total assets | 89.0377% | 1,080 |
| Equity capital to assets | 10.3201% | 3,724 |
| Core capital (leverage) ratio | 9.6454% | 3,973 |
| Tier 1 risk-based capital ratio | 21.1535% | 1,291 |
| Total risk-based capital ratio | 21.9593% | 1,338 |
| Memoranda: | ||
| Average total assets | $71,880,500 | 5,031 |
| Average earning assets | $66,507,500 | 5,010 |
| Average equity | $7,247,000 | 5,183 |
| Average total loans | $27,312,000 | 5,440 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 2,793 |
| Cost of funding earning assets | 0.5084% | 2,087 |
| Net interest margin | 3.6264% | 3,030 |
| Noninterest income to average assets | 0.6082% | 2,678 |
| Noninterest expense to average assets | 2.9999% | 2,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6867% | 3,879 |
| Return on assets (ROA) | 0.6989% | 3,921 |
| Pretax return on assets | 0.9726% | 3,574 |
| Return on Equity (ROE) | 7.0636% | 3,479 |
| Retained earnings to average equity (ytd only) | 4.9861% | 2,428 |
| Net charge-offs to loans | 0.2801% | 1,088 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 8.7532% | 2,907 |
| Efficiency ratio | 75.8423% | 2,300 |
| Assets per employee ($millions) | 2.8978% | 5,616 |
| Cash dividends to net income (ytd only)* | 29.4118% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 4,672 |
| Loan loss allowance to noncurrent loans | 95.3901% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 4,037 |
| Noncurrent loans to loans | 1.0378% | 2,260 |
| Net loans and leases to total assets | 37.1390% | 5,661 |
| Net loans and leases to deposits | 41.3847% | 5,725 |
| Net loans and leases to core deposits | 45.7024% | 5,662 |
| Total domestic deposits to total assets | 89.7410% | 734 |
| Equity capital to assets | 9.8476% | 4,134 |
| Core capital (leverage) ratio | 9.6350% | 3,997 |
| Tier 1 risk-based capital ratio | 22.8141% | 1,039 |
| Total risk-based capital ratio | 23.6996% | 1,074 |
| Memoranda: | ||
| Average total assets | $70,534,600 | 5,084 |
| Average earning assets | $65,106,200 | 5,059 |
| Average equity | $6,979,400 | 5,248 |
| Average total loans | $27,487,800 | 5,459 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 2,722 |
| Cost of funding earning assets | 0.5322% | 1,953 |
| Net interest margin | 3.6262% | 3,048 |
| Noninterest income to average assets | 0.5614% | 2,974 |
| Noninterest expense to average assets | 2.9556% | 2,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7080% | 3,869 |
| Return on assets (ROA) | 0.7080% | 3,978 |
| Pretax return on assets | 0.9516% | 3,813 |
| Return on Equity (ROE) | 7.1461% | 3,545 |
| Retained earnings to average equity (ytd only) | 5.8014% | 2,367 |
| Net charge-offs to loans | 0.3676% | 707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.5790% | 3,030 |
| Efficiency ratio | 75.6454% | 2,297 |
| Assets per employee ($millions) | 2.8329% | 5,723 |
| Cash dividends to net income (ytd only)* | 18.8169% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 4,828 |
| Loan loss allowance to noncurrent loans | 95.4064% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 4,173 |
| Noncurrent loans to loans | 1.0302% | 2,416 |
| Net loans and leases to total assets | 38.4076% | 5,676 |
| Net loans and leases to deposits | 42.9661% | 5,764 |
| Net loans and leases to core deposits | 47.5975% | 5,669 |
| Total domestic deposits to total assets | 89.3903% | 823 |
| Equity capital to assets | 10.0717% | 4,079 |
| Core capital (leverage) ratio | 9.7225% | 4,004 |
| Tier 1 risk-based capital ratio | 22.8704% | 1,069 |
| Total risk-based capital ratio | 23.7674% | 1,102 |
| Memoranda: | ||
| Average total assets | $70,057,250 | 5,157 |
| Average earning assets | $64,638,750 | 5,134 |
| Average equity | $6,940,750 | 5,321 |
| Average total loans | $27,566,250 | 5,522 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1408% | 2,750 |
| Cost of funding earning assets | 0.5312% | 1,970 |
| Net interest margin | 3.6096% | 3,043 |
| Noninterest income to average assets | 0.5243% | 3,203 |
| Noninterest expense to average assets | 2.9254% | 2,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6762% | 3,995 |
| Return on assets (ROA) | 0.6762% | 4,110 |
| Pretax return on assets | 0.9283% | 3,853 |
| Return on Equity (ROE) | 6.8638% | 3,691 |
| Retained earnings to average equity (ytd only) | 4.8279% | 2,973 |
| Net charge-offs to loans | 0.5290% | 465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.4384% | 3,041 |
| Efficiency ratio | 75.9108% | 2,374 |
| Assets per employee ($millions) | 2.7880% | 5,823 |
| Cash dividends to net income (ytd only)* | 29.6610% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 4,800 |
| Loan loss allowance to noncurrent loans | 82.9787% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 4,045 |
| Noncurrent loans to loans | 1.2220% | 2,211 |
| Net loans and leases to total assets | 38.2353% | 5,727 |
| Net loans and leases to deposits | 42.5454% | 5,818 |
| Net loans and leases to core deposits | 45.9602% | 5,768 |
| Total domestic deposits to total assets | 89.8694% | 717 |
| Equity capital to assets | 9.7762% | 4,307 |
| Core capital (leverage) ratio | 9.7347% | 3,957 |
| Tier 1 risk-based capital ratio | 22.6796% | 1,115 |
| Total risk-based capital ratio | 23.5970% | 1,138 |
| Memoranda: | ||
| Average total assets | $69,802,330 | 5,220 |
| Average earning assets | $64,383,000 | 5,194 |
| Average equity | $6,876,670 | 5,383 |
| Average total loans | $27,598,000 | 5,573 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1228% | 2,738 |
| Cost of funding earning assets | 0.5456% | 1,883 |
| Net interest margin | 3.5773% | 3,093 |
| Noninterest income to average assets | 0.5440% | 2,994 |
| Noninterest expense to average assets | 2.8975% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6585% | 4,016 |
| Return on assets (ROA) | 0.6585% | 4,136 |
| Pretax return on assets | 0.9506% | 3,691 |
| Return on Equity (ROE) | 6.6589% | 3,675 |
| Retained earnings to average equity (ytd only) | 2.6057% | 4,378 |
| Net charge-offs to loans | 0.1145% | 1,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 20.7500% | 1,402 |
| Efficiency ratio | 75.2976% | 2,609 |
| Assets per employee ($millions) | 2.9328% | 5,750 |
| Cash dividends to net income (ytd only)* | 60.8696% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 3,782 |
| Loan loss allowance to noncurrent loans | 53.4810% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 2,741 |
| Noncurrent loans to loans | 2.3018% | 1,072 |
| Net loans and leases to total assets | 38.5284% | 5,690 |
| Net loans and leases to deposits | 43.0378% | 5,797 |
| Net loans and leases to core deposits | 46.4804% | 5,730 |
| Total domestic deposits to total assets | 89.5222% | 985 |
| Equity capital to assets | 9.9365% | 4,217 |
| Core capital (leverage) ratio | 9.4178% | 4,399 |
| Tier 1 risk-based capital ratio | 21.5891% | 1,306 |
| Total risk-based capital ratio | 22.6903% | 1,311 |
| Memoranda: | ||
| Average total assets | $69,853,500 | 5,264 |
| Average earning assets | $64,518,500 | 5,240 |
| Average equity | $6,908,000 | 5,423 |
| Average total loans | $27,935,500 | 5,598 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 2,322 |
| Cost of funding earning assets | 0.5697% | 2,050 |
| Net interest margin | 3.8008% | 2,620 |
| Noninterest income to average assets | 0.6531% | 2,533 |
| Noninterest expense to average assets | 3.0821% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7703% | 3,518 |
| Return on assets (ROA) | 0.8436% | 3,245 |
| Pretax return on assets | 1.1985% | 2,656 |
| Return on Equity (ROE) | 9.0529% | 2,559 |
| Retained earnings to average equity (ytd only) | 6.7897% | 1,500 |
| Net charge-offs to loans | 0.1472% | 2,562 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 17.4884% | 1,923 |
| Efficiency ratio | 73.8070% | 2,866 |
| Assets per employee ($millions) | 2.6662% | 6,048 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 3,897 |
| Loan loss allowance to noncurrent loans | 75.5459% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7054% | 3,456 |
| Noncurrent loans to loans | 1.6119% | 1,818 |
| Net loans and leases to total assets | 40.4905% | 5,711 |
| Net loans and leases to deposits | 45.2119% | 5,832 |
| Net loans and leases to core deposits | 48.9126% | 5,766 |
| Total domestic deposits to total assets | 89.5571% | 943 |
| Equity capital to assets | 9.8413% | 4,301 |
| Core capital (leverage) ratio | 9.5606% | 4,161 |
| Tier 1 risk-based capital ratio | 21.3604% | 1,330 |
| Total risk-based capital ratio | 22.4833% | 1,328 |
| Memoranda: | ||
| Average total assets | $68,751,600 | 5,326 |
| Average earning assets | $63,722,600 | 5,288 |
| Average equity | $6,406,800 | 5,549 |
| Average total loans | $29,207,000 | 5,593 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 2,203 |
| Cost of funding earning assets | 0.5743% | 2,068 |
| Net interest margin | 3.8296% | 2,511 |
| Noninterest income to average assets | 0.6938% | 2,356 |
| Noninterest expense to average assets | 3.0724% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8540% | 3,151 |
| Return on assets (ROA) | 0.9561% | 2,738 |
| Pretax return on assets | 1.3117% | 2,332 |
| Return on Equity (ROE) | 10.4074% | 2,033 |
| Retained earnings to average equity (ytd only) | 8.9267% | 1,029 |
| Net charge-offs to loans | 0.1859% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 14.7061% | 2,121 |
| Efficiency ratio | 72.3901% | 3,112 |
| Assets per employee ($millions) | 2.6353% | 6,131 |
| Cash dividends to net income (ytd only)* | 14.2276% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 4,112 |
| Loan loss allowance to noncurrent loans | 91.5789% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6130% | 3,998 |
| Noncurrent loans to loans | 1.3361% | 2,409 |
| Net loans and leases to total assets | 41.0015% | 5,753 |
| Net loans and leases to deposits | 45.6990% | 5,886 |
| Net loans and leases to core deposits | 49.2264% | 5,826 |
| Total domestic deposits to total assets | 89.7208% | 864 |
| Equity capital to assets | 9.6954% | 4,551 |
| Core capital (leverage) ratio | 9.5409% | 4,319 |
| Tier 1 risk-based capital ratio | 21.2294% | 1,404 |
| Total risk-based capital ratio | 22.3540% | 1,409 |
| Memoranda: | ||
| Average total assets | $68,609,500 | 5,389 |
| Average earning assets | $63,608,250 | 5,352 |
| Average equity | $6,303,000 | 5,623 |
| Average total loans | $29,405,250 | 5,643 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4725% | 1,921 |
| Cost of funding earning assets | 0.5732% | 2,136 |
| Net interest margin | 3.8993% | 2,171 |
| Noninterest income to average assets | 0.7343% | 2,118 |
| Noninterest expense to average assets | 3.1060% | 2,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9213% | 2,696 |
| Return on assets (ROA) | 1.0723% | 2,113 |
| Pretax return on assets | 1.4394% | 1,754 |
| Return on Equity (ROE) | 11.8908% | 1,457 |
| Retained earnings to average equity (ytd only) | 9.6289% | 810 |
| Net charge-offs to loans | 0.1076% | 2,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,367 |
| Efficiency ratio | 71.5436% | 3,424 |
| Assets per employee ($millions) | 2.6593% | 6,160 |
| Cash dividends to net income (ytd only)* | 19.0217% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 3,992 |
| Loan loss allowance to noncurrent loans | 111.0119% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5438% | 4,359 |
| Noncurrent loans to loans | 1.1494% | 2,932 |
| Net loans and leases to total assets | 41.7387% | 5,691 |
| Net loans and leases to deposits | 46.4591% | 5,855 |
| Net loans and leases to core deposits | 49.9758% | 5,792 |
| Total domestic deposits to total assets | 89.8398% | 883 |
| Equity capital to assets | 9.3604% | 4,898 |
| Core capital (leverage) ratio | 9.4085% | 4,457 |
| Tier 1 risk-based capital ratio | 20.4538% | 1,581 |
| Total risk-based capital ratio | 21.6376% | 1,563 |
| Memoranda: | ||
| Average total assets | $68,640,330 | 5,435 |
| Average earning assets | $63,499,000 | 5,403 |
| Average equity | $6,189,670 | 5,682 |
| Average total loans | $29,726,670 | 5,670 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 1,690 |
| Cost of funding earning assets | 0.5819% | 2,141 |
| Net interest margin | 3.9534% | 1,917 |
| Noninterest income to average assets | 0.8949% | 1,408 |
| Noninterest expense to average assets | 3.1291% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1019% | 1,807 |
| Return on assets (ROA) | 1.4213% | 993 |
| Pretax return on assets | 1.8307% | 768 |
| Return on Equity (ROE) | 16.0701% | 634 |
| Retained earnings to average equity (ytd only) | 11.4409% | 684 |
| Net charge-offs to loans | 0.0133% | 3,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 243.0000% | 203 |
| Efficiency ratio | 68.7661% | 4,053 |
| Assets per employee ($millions) | 2.6256% | 6,270 |
| Cash dividends to net income (ytd only)* | 28.8066% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 4,133 |
| Loan loss allowance to noncurrent loans | 225.5814% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 5,432 |
| Noncurrent loans to loans | 0.5755% | 4,439 |
| Net loans and leases to total assets | 43.2118% | 5,577 |
| Net loans and leases to deposits | 47.8849% | 5,735 |
| Net loans and leases to core deposits | 51.2714% | 5,672 |
| Total domestic deposits to total assets | 90.2411% | 942 |
| Equity capital to assets | 9.0514% | 5,055 |
| Core capital (leverage) ratio | 9.1799% | 4,747 |
| Tier 1 risk-based capital ratio | 19.9300% | 1,742 |
| Total risk-based capital ratio | 21.1537% | 1,709 |
| Memoranda: | ||
| Average total assets | $68,389,500 | 5,497 |
| Average earning assets | $63,237,500 | 5,463 |
| Average equity | $6,048,500 | 5,735 |
| Average total loans | $29,974,000 | 5,715 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 2,258 |
| Cost of funding earning assets | 0.6028% | 2,632 |
| Net interest margin | 3.8843% | 2,353 |
| Noninterest income to average assets | 0.5607% | 3,327 |
| Noninterest expense to average assets | 3.0279% | 2,972 |
| Loan and lease loss provision to assets | 0.0188% | 4,755 |
| Net operating income to assets | 0.7935% | 3,324 |
| Return on assets (ROA) | 0.8186% | 3,293 |
| Pretax return on assets | 1.1431% | 2,796 |
| Return on Equity (ROE) | 9.3231% | 2,404 |
| Retained earnings to average equity (ytd only) | 7.3430% | 1,296 |
| Net charge-offs to loans | 0.4302% | 1,548 |
| Credit loss provision to net charge-offs | 10.2362% | 4,580 |
| Earnings coverage of net charge-offs (x) | 6.1260% | 3,122 |
| Efficiency ratio | 72.8731% | 3,316 |
| Assets per employee ($millions) | 2.6351% | 6,285 |
| Cash dividends to net income (ytd only)* | 21.2389% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 4,176 |
| Loan loss allowance to noncurrent loans | 290.2985% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 5,715 |
| Noncurrent loans to loans | 0.4458% | 4,887 |
| Net loans and leases to total assets | 43.3086% | 5,734 |
| Net loans and leases to deposits | 47.8774% | 5,906 |
| Net loans and leases to core deposits | 51.2319% | 5,857 |
| Total domestic deposits to total assets | 90.4573% | 842 |
| Equity capital to assets | 8.6378% | 5,441 |
| Core capital (leverage) ratio | 8.9636% | 5,058 |
| Tier 1 risk-based capital ratio | 19.2316% | 1,856 |
| Total risk-based capital ratio | 20.4486% | 1,826 |
| Memoranda: | ||
| Average total assets | $69,024,000 | 5,508 |
| Average earning assets | $63,873,200 | 5,473 |
| Average equity | $6,060,200 | 5,810 |
| Average total loans | $29,523,600 | 5,784 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 2,352 |
| Cost of funding earning assets | 0.6030% | 2,784 |
| Net interest margin | 3.8660% | 2,394 |
| Noninterest income to average assets | 0.6845% | 2,708 |
| Noninterest expense to average assets | 2.9577% | 3,118 |
| Loan and lease loss provision to assets | 0.0251% | 4,506 |
| Net operating income to assets | 0.8912% | 2,878 |
| Return on assets (ROA) | 0.9235% | 2,832 |
| Pretax return on assets | 1.3207% | 2,257 |
| Return on Equity (ROE) | 10.4770% | 2,009 |
| Retained earnings to average equity (ytd only) | 10.0395% | 780 |
| Net charge-offs to loans | 0.5353% | 1,194 |
| Credit loss provision to net charge-offs | 11.0169% | 4,211 |
| Earnings coverage of net charge-offs (x) | 5.7118% | 3,121 |
| Efficiency ratio | 69.4746% | 3,842 |
| Assets per employee ($millions) | 2.5433% | 6,436 |
| Cash dividends to net income (ytd only)* | 4.1760% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 4,213 |
| Loan loss allowance to noncurrent loans | 290.5109% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 4,998 |
| Noncurrent loans to loans | 0.4599% | 5,040 |
| Net loans and leases to total assets | 42.7972% | 5,837 |
| Net loans and leases to deposits | 47.4942% | 5,997 |
| Net loans and leases to core deposits | 50.8188% | 5,966 |
| Total domestic deposits to total assets | 90.1104% | 931 |
| Equity capital to assets | 8.7377% | 5,479 |
| Core capital (leverage) ratio | 8.9699% | 5,169 |
| Tier 1 risk-based capital ratio | 19.0867% | 1,962 |
| Total risk-based capital ratio | 20.3197% | 1,935 |
| Memoranda: | ||
| Average total assets | $69,151,750 | 5,559 |
| Average earning assets | $63,905,250 | 5,527 |
| Average equity | $6,095,750 | 5,868 |
| Average total loans | $29,389,250 | 5,848 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4036% | 2,552 |
| Cost of funding earning assets | 0.5940% | 2,993 |
| Net interest margin | 3.8097% | 2,517 |
| Noninterest income to average assets | 0.7271% | 2,519 |
| Noninterest expense to average assets | 2.9749% | 3,075 |
| Loan and lease loss provision to assets | 0.0375% | 4,197 |
| Net operating income to assets | 0.8737% | 2,938 |
| Return on assets (ROA) | 0.9060% | 2,901 |
| Pretax return on assets | 1.2956% | 2,315 |
| Return on Equity (ROE) | 10.2486% | 2,107 |
| Retained earnings to average equity (ytd only) | 9.5958% | 941 |
| Net charge-offs to loans | 1.0938% | 549 |
| Credit loss provision to net charge-offs | 8.1250% | 3,926 |
| Earnings coverage of net charge-offs (x) | 2.7875% | 3,586 |
| Efficiency ratio | 69.8037% | 3,864 |
| Assets per employee ($millions) | 2.5328% | 6,471 |
| Cash dividends to net income (ytd only)* | 6.3694% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 4,889 |
| Loan loss allowance to noncurrent loans | 257.9710% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 5,067 |
| Noncurrent loans to loans | 0.4724% | 5,080 |
| Net loans and leases to total assets | 42.1958% | 5,886 |
| Net loans and leases to deposits | 46.8868% | 6,051 |
| Net loans and leases to core deposits | 50.1817% | 6,017 |
| Total domestic deposits to total assets | 89.9950% | 1,023 |
| Equity capital to assets | 8.5573% | 5,710 |
| Core capital (leverage) ratio | 8.7130% | 5,399 |
| Tier 1 risk-based capital ratio | 18.7660% | 2,057 |
| Total risk-based capital ratio | 19.8804% | 2,064 |
| Memoranda: | ||
| Average total assets | $69,313,000 | 5,591 |
| Average earning assets | $64,310,330 | 5,550 |
| Average equity | $6,127,670 | 5,894 |
| Average total loans | $29,257,000 | 5,881 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 2,325 |
| Cost of funding earning assets | 0.5848% | 3,257 |
| Net interest margin | 3.8720% | 2,212 |
| Noninterest income to average assets | 0.5675% | 3,327 |
| Noninterest expense to average assets | 2.9809% | 3,046 |
| Loan and lease loss provision to assets | 0.0287% | 4,096 |
| Net operating income to assets | 0.8402% | 2,947 |
| Return on assets (ROA) | 0.8484% | 3,048 |
| Pretax return on assets | 1.1752% | 2,664 |
| Return on Equity (ROE) | 9.4486% | 2,295 |
| Retained earnings to average equity (ytd only) | 8.1717% | 1,690 |
| Net charge-offs to loans | 2.1175% | 212 |
| Credit loss provision to net charge-offs | 3.2258% | 3,209 |
| Earnings coverage of net charge-offs (x) | 1.3419% | 3,383 |
| Efficiency ratio | 71.4286% | 3,729 |
| Assets per employee ($millions) | 2.5982% | 6,496 |
| Cash dividends to net income (ytd only)* | 13.5135% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 5,109 |
| Loan loss allowance to noncurrent loans | 247.8873% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 5,194 |
| Noncurrent loans to loans | 0.4907% | 5,203 |
| Net loans and leases to total assets | 40.7529% | 5,939 |
| Net loans and leases to deposits | 45.5427% | 6,084 |
| Net loans and leases to core deposits | 48.6464% | 6,058 |
| Total domestic deposits to total assets | 89.4828% | 1,365 |
| Equity capital to assets | 8.9263% | 5,577 |
| Core capital (leverage) ratio | 8.3905% | 5,722 |
| Tier 1 risk-based capital ratio | 17.4645% | 2,573 |
| Total risk-based capital ratio | 18.5190% | 2,622 |
| Memoranda: | ||
| Average total assets | $69,776,500 | 5,633 |
| Average earning assets | $64,978,500 | 5,579 |
| Average equity | $6,265,500 | 5,918 |
| Average total loans | $29,279,500 | 5,919 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 2,205 |
| Cost of funding earning assets | 0.6761% | 3,680 |
| Net interest margin | 4.1225% | 1,912 |
| Noninterest income to average assets | 0.5339% | 3,686 |
| Noninterest expense to average assets | 3.1883% | 2,653 |
| Loan and lease loss provision to assets | 0.0564% | 5,079 |
| Net operating income to assets | 0.8029% | 3,276 |
| Return on assets (ROA) | 0.8863% | 3,125 |
| Pretax return on assets | 1.2280% | 2,690 |
| Return on Equity (ROE) | 9.5644% | 2,378 |
| Retained earnings to average equity (ytd only) | 6.7659% | 1,684 |
| Net charge-offs to loans | 0.1468% | 4,226 |
| Credit loss provision to net charge-offs | 88.0952% | 3,549 |
| Earnings coverage of net charge-offs (x) | 18.2381% | 1,450 |
| Efficiency ratio | 73.1793% | 3,212 |
| Assets per employee ($millions) | 2.5704% | 6,559 |
| Cash dividends to net income (ytd only)* | 29.2599% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 2,953 |
| Loan loss allowance to noncurrent loans | 86.7012% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.8343% | 4,387 |
| Noncurrent loans to loans | 1.9549% | 2,742 |
| Net loans and leases to total assets | 41.9533% | 6,014 |
| Net loans and leases to deposits | 47.1827% | 6,165 |
| Net loans and leases to core deposits | 51.6113% | 6,043 |
| Total domestic deposits to total assets | 88.9166% | 1,621 |
| Equity capital to assets | 9.0330% | 5,485 |
| Core capital (leverage) ratio | 8.7164% | 5,300 |
| Tier 1 risk-based capital ratio | 16.8474% | 2,727 |
| Total risk-based capital ratio | 18.1002% | 2,689 |
| Memoranda: | ||
| Average total assets | $65,551,400 | 5,761 |
| Average earning assets | $60,788,400 | 5,713 |
| Average equity | $6,074,600 | 6,004 |
| Average total loans | $28,605,400 | 6,015 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8835% | 2,073 |
| Cost of funding earning assets | 0.6964% | 3,799 |
| Net interest margin | 4.1872% | 1,772 |
| Noninterest income to average assets | 0.5264% | 3,760 |
| Noninterest expense to average assets | 3.1315% | 2,795 |
| Loan and lease loss provision to assets | 0.0599% | 4,975 |
| Net operating income to assets | 0.8646% | 3,161 |
| Return on assets (ROA) | 0.9062% | 3,187 |
| Pretax return on assets | 1.2654% | 2,730 |
| Return on Equity (ROE) | 9.7132% | 2,492 |
| Retained earnings to average equity (ytd only) | 7.2795% | 1,955 |
| Net charge-offs to loans | 0.1881% | 3,614 |
| Credit loss provision to net charge-offs | 72.5000% | 3,839 |
| Earnings coverage of net charge-offs (x) | 15.3506% | 1,768 |
| Efficiency ratio | 71.1872% | 3,472 |
| Assets per employee ($millions) | 2.4923% | 6,700 |
| Cash dividends to net income (ytd only)* | 25.0564% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 3,137 |
| Loan loss allowance to noncurrent loans | 98.4127% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7778% | 4,765 |
| Noncurrent loans to loans | 1.7314% | 3,189 |
| Net loans and leases to total assets | 44.1559% | 5,954 |
| Net loans and leases to deposits | 50.2256% | 6,088 |
| Net loans and leases to core deposits | 53.1435% | 6,106 |
| Total domestic deposits to total assets | 87.9151% | 2,096 |
| Equity capital to assets | 9.7315% | 4,884 |
| Core capital (leverage) ratio | 8.7807% | 5,371 |
| Tier 1 risk-based capital ratio | 17.2313% | 2,635 |
| Total risk-based capital ratio | 18.4854% | 2,590 |
| Memoranda: | ||
| Average total assets | $64,589,000 | 5,862 |
| Average earning assets | $59,736,750 | 5,814 |
| Average equity | $6,026,000 | 6,084 |
| Average total loans | $28,352,250 | 6,096 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 1,990 |
| Cost of funding earning assets | 0.7229% | 3,824 |
| Net interest margin | 4.2072% | 1,730 |
| Noninterest income to average assets | 0.5239% | 3,756 |
| Noninterest expense to average assets | 3.1495% | 2,748 |
| Loan and lease loss provision to assets | 0.0620% | 4,871 |
| Net operating income to assets | 0.8764% | 3,009 |
| Return on assets (ROA) | 0.9300% | 3,024 |
| Pretax return on assets | 1.2833% | 2,616 |
| Return on Equity (ROE) | 10.1135% | 2,312 |
| Retained earnings to average equity (ytd only) | 8.5965% | 1,415 |
| Net charge-offs to loans | -0.0142% | 6,356 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2482% | 3,559 |
| Assets per employee ($millions) | 2.5909% | 6,663 |
| Cash dividends to net income (ytd only)* | 15.0000% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8380% | 2,739 |
| Loan loss allowance to noncurrent loans | 295.5307% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 6,089 |
| Noncurrent loans to loans | 0.6219% | 5,266 |
| Net loans and leases to total assets | 43.6176% | 6,051 |
| Net loans and leases to deposits | 49.3519% | 6,214 |
| Net loans and leases to core deposits | 51.7199% | 6,255 |
| Total domestic deposits to total assets | 88.3808% | 1,903 |
| Equity capital to assets | 9.4547% | 5,124 |
| Core capital (leverage) ratio | 8.6520% | 5,448 |
| Tier 1 risk-based capital ratio | 17.1905% | 2,590 |
| Total risk-based capital ratio | 18.4458% | 2,548 |
| Memoranda: | ||
| Average total assets | $64,518,670 | 5,901 |
| Average earning assets | $59,755,330 | 5,846 |
| Average equity | $5,932,670 | 6,135 |
| Average total loans | $28,100,000 | 6,146 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 2,077 |
| Cost of funding earning assets | 0.7684% | 3,711 |
| Net interest margin | 4.1759% | 1,835 |
| Noninterest income to average assets | 0.5218% | 3,772 |
| Noninterest expense to average assets | 3.1929% | 2,624 |
| Loan and lease loss provision to assets | 0.0621% | 4,644 |
| Net operating income to assets | 0.8204% | 3,298 |
| Return on assets (ROA) | 0.8821% | 3,225 |
| Pretax return on assets | 1.2362% | 2,778 |
| Return on Equity (ROE) | 9.7310% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.3605% | 1,834 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4965% | 3,342 |
| Assets per employee ($millions) | 2.6474% | 6,699 |
| Cash dividends to net income (ytd only)* | 14.0845% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8828% | 2,732 |
| Loan loss allowance to noncurrent loans | 279.4595% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 6,192 |
| Noncurrent loans to loans | 0.6737% | 5,306 |
| Net loans and leases to total assets | 40.7077% | 6,292 |
| Net loans and leases to deposits | 46.0815% | 6,424 |
| Net loans and leases to core deposits | 48.1959% | 6,449 |
| Total domestic deposits to total assets | 88.3386% | 2,103 |
| Equity capital to assets | 8.9176% | 5,615 |
| Core capital (leverage) ratio | 8.3685% | 5,783 |
| Tier 1 risk-based capital ratio | 17.1439% | 2,627 |
| Total risk-based capital ratio | 18.4012% | 2,587 |
| Memoranda: | ||
| Average total assets | $64,392,000 | 5,948 |
| Average earning assets | $59,868,000 | 5,879 |
| Average equity | $5,837,000 | 6,193 |
| Average total loans | $27,759,500 | 6,208 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4760% | 1,221 |
| Cost of funding earning assets | 1.0026% | 3,362 |
| Net interest margin | 4.4734% | 1,201 |
| Noninterest income to average assets | 0.5105% | 3,777 |
| Noninterest expense to average assets | 3.3757% | 2,302 |
| Loan and lease loss provision to assets | 0.1178% | 5,128 |
| Net operating income to assets | 0.7933% | 3,066 |
| Return on assets (ROA) | 0.7957% | 3,223 |
| Pretax return on assets | 1.1269% | 2,732 |
| Return on Equity (ROE) | 8.5439% | 2,656 |
| Retained earnings to average equity (ytd only) | 6.4354% | 1,785 |
| Net charge-offs to loans | 0.1828% | 4,689 |
| Credit loss provision to net charge-offs | 135.2941% | 2,215 |
| Earnings coverage of net charge-offs (x) | 14.2549% | 1,473 |
| Efficiency ratio | 73.1139% | 3,374 |
| Assets per employee ($millions) | 2.4077% | 6,910 |
| Cash dividends to net income (ytd only)* | 24.6781% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 2,846 |
| Loan loss allowance to noncurrent loans | 249.7537% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 6,166 |
| Noncurrent loans to loans | 0.7234% | 5,250 |
| Net loans and leases to total assets | 44.0144% | 6,211 |
| Net loans and leases to deposits | 50.2471% | 6,349 |
| Net loans and leases to core deposits | 52.7058% | 6,390 |
| Total domestic deposits to total assets | 87.5958% | 2,411 |
| Equity capital to assets | 9.2204% | 5,260 |
| Core capital (leverage) ratio | 8.4207% | 5,687 |
| Tier 1 risk-based capital ratio | 16.8054% | 2,689 |
| Total risk-based capital ratio | 18.0631% | 2,650 |
| Memoranda: | ||
| Average total assets | $58,566,200 | 6,087 |
| Average earning assets | $53,762,200 | 6,053 |
| Average equity | $5,454,200 | 6,304 |
| Average total loans | $27,906,200 | 6,255 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5941% | 1,043 |
| Cost of funding earning assets | 1.0413% | 3,378 |
| Net interest margin | 4.5528% | 1,034 |
| Noninterest income to average assets | 0.4957% | 3,900 |
| Noninterest expense to average assets | 3.2940% | 2,515 |
| Loan and lease loss provision to assets | 0.1367% | 4,731 |
| Net operating income to assets | 0.8832% | 2,808 |
| Return on assets (ROA) | 0.8849% | 2,954 |
| Pretax return on assets | 1.2300% | 2,522 |
| Return on Equity (ROE) | 9.4762% | 2,400 |
| Retained earnings to average equity (ytd only) | 6.6234% | 2,184 |
| Net charge-offs to loans | 0.2105% | 4,116 |
| Credit loss provision to net charge-offs | 134.0909% | 2,376 |
| Earnings coverage of net charge-offs (x) | 13.3852% | 1,623 |
| Efficiency ratio | 70.7111% | 3,808 |
| Assets per employee ($millions) | 2.4162% | 6,971 |
| Cash dividends to net income (ytd only)* | 30.1048% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 2,948 |
| Loan loss allowance to noncurrent loans | 99.0177% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.9026% | 4,931 |
| Noncurrent loans to loans | 1.8174% | 3,619 |
| Net loans and leases to total assets | 43.7792% | 6,352 |
| Net loans and leases to deposits | 49.9746% | 6,503 |
| Net loans and leases to core deposits | 52.4526% | 6,541 |
| Total domestic deposits to total assets | 87.6031% | 2,289 |
| Equity capital to assets | 9.1369% | 5,600 |
| Core capital (leverage) ratio | 8.5920% | 5,567 |
| Tier 1 risk-based capital ratio | 16.5086% | 2,863 |
| Total risk-based capital ratio | 17.7644% | 2,822 |
| Memoranda: | ||
| Average total assets | $57,557,750 | 6,164 |
| Average earning assets | $52,626,000 | 6,144 |
| Average equity | $5,374,750 | 6,376 |
| Average total loans | $27,867,750 | 6,310 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7233% | 838 |
| Cost of funding earning assets | 1.0802% | 3,389 |
| Net interest margin | 4.6431% | 835 |
| Noninterest income to average assets | 0.4193% | 4,518 |
| Noninterest expense to average assets | 3.2758% | 2,649 |
| Loan and lease loss provision to assets | 0.1434% | 4,514 |
| Net operating income to assets | 0.9220% | 2,550 |
| Return on assets (ROA) | 0.9247% | 2,643 |
| Pretax return on assets | 1.2401% | 2,345 |
| Return on Equity (ROE) | 9.8230% | 2,178 |
| Retained earnings to average equity (ytd only) | 7.3482% | 1,719 |
| Net charge-offs to loans | 0.3019% | 3,357 |
| Credit loss provision to net charge-offs | 95.2381% | 3,299 |
| Earnings coverage of net charge-offs (x) | 9.1667% | 1,956 |
| Efficiency ratio | 70.3618% | 4,042 |
| Assets per employee ($millions) | 2.3434% | 7,077 |
| Cash dividends to net income (ytd only)* | 25.1938% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 3,103 |
| Loan loss allowance to noncurrent loans | 86.6548% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 4,773 |
| Noncurrent loans to loans | 2.0369% | 3,432 |
| Net loans and leases to total assets | 46.2652% | 6,237 |
| Net loans and leases to deposits | 53.2296% | 6,366 |
| Net loans and leases to core deposits | 54.9075% | 6,501 |
| Total domestic deposits to total assets | 86.9162% | 2,788 |
| Equity capital to assets | 9.3524% | 5,070 |
| Core capital (leverage) ratio | 8.8644% | 4,937 |
| Tier 1 risk-based capital ratio | 16.6965% | 2,651 |
| Total risk-based capital ratio | 17.9521% | 2,606 |
| Memoranda: | ||
| Average total assets | $55,803,000 | 6,266 |
| Average earning assets | $50,914,670 | 6,260 |
| Average equity | $5,253,000 | 6,448 |
| Average total loans | $27,821,330 | 6,373 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8395% | 684 |
| Cost of funding earning assets | 1.1161% | 3,408 |
| Net interest margin | 4.7233% | 669 |
| Noninterest income to average assets | 0.1764% | 6,465 |
| Noninterest expense to average assets | 3.2640% | 2,665 |
| Loan and lease loss provision to assets | 0.0735% | 5,083 |
| Net operating income to assets | 0.7523% | 3,262 |
| Return on assets (ROA) | 0.7572% | 3,295 |
| Pretax return on assets | 1.1394% | 2,607 |
| Return on Equity (ROE) | 8.0156% | 2,904 |
| Retained earnings to average equity (ytd only) | 6.4591% | 2,391 |
| Net charge-offs to loans | 0.6730% | 1,863 |
| Credit loss provision to net charge-offs | 21.2766% | 4,240 |
| Earnings coverage of net charge-offs (x) | 3.4894% | 2,727 |
| Efficiency ratio | 73.0263% | 3,679 |
| Assets per employee ($millions) | 2.2600% | 7,214 |
| Cash dividends to net income (ytd only)* | 19.4175% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 3,638 |
| Loan loss allowance to noncurrent loans | 93.5818% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.8549% | 5,193 |
| Noncurrent loans to loans | 1.7350% | 3,905 |
| Net loans and leases to total assets | 48.4734% | 6,021 |
| Net loans and leases to deposits | 55.7996% | 6,150 |
| Net loans and leases to core deposits | 57.8542% | 6,272 |
| Total domestic deposits to total assets | 86.8706% | 3,011 |
| Equity capital to assets | 9.2019% | 4,871 |
| Core capital (leverage) ratio | 9.2072% | 4,276 |
| Tier 1 risk-based capital ratio | 16.4246% | 2,696 |
| Total risk-based capital ratio | 17.6773% | 2,669 |
| Memoranda: | ||
| Average total assets | $54,412,500 | 6,360 |
| Average earning assets | $49,456,500 | 6,356 |
| Average equity | $5,140,000 | 6,509 |
| Average total loans | $27,936,500 | 6,423 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1898% | 577 |
| Cost of funding earning assets | 1.2454% | 4,244 |
| Net interest margin | 4.9445% | 493 |
| Noninterest income to average assets | 0.7972% | 2,303 |
| Noninterest expense to average assets | 3.6509% | 1,805 |
| Loan and lease loss provision to assets | 0.0595% | 6,546 |
| Net operating income to assets | 1.1169% | 1,651 |
| Return on assets (ROA) | 1.1224% | 1,713 |
| Pretax return on assets | 1.6063% | 1,112 |
| Return on Equity (ROE) | 11.3418% | 1,494 |
| Retained earnings to average equity (ytd only) | 7.2339% | 1,230 |
| Net charge-offs to loans | 0.1802% | 5,241 |
| Credit loss provision to net charge-offs | 62.5000% | 6,042 |
| Earnings coverage of net charge-offs (x) | 17.4167% | 1,151 |
| Efficiency ratio | 68.7710% | 4,410 |
| Assets per employee ($millions) | 2.0930% | 7,376 |
| Cash dividends to net income (ytd only)* | 36.2191% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7443% | 3,056 |
| Loan loss allowance to noncurrent loans | 112.4138% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 1.2823% | 4,465 |
| Noncurrent loans to loans | 1.5517% | 4,174 |
| Net loans and leases to total assets | 52.6411% | 5,830 |
| Net loans and leases to deposits | 61.1201% | 5,942 |
| Net loans and leases to core deposits | 63.5673% | 6,093 |
| Total domestic deposits to total assets | 86.1274% | 3,288 |
| Equity capital to assets | 9.7103% | 4,111 |
| Core capital (leverage) ratio | 9.2768% | 4,050 |
| Tier 1 risk-based capital ratio | 16.5611% | 2,501 |
| Total risk-based capital ratio | 17.8182% | 2,474 |
| Memoranda: | ||
| Average total assets | $50,425,600 | 6,517 |
| Average earning assets | $46,011,000 | 6,512 |
| Average equity | $4,990,400 | 6,665 |
| Average total loans | $26,630,200 | 6,578 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0873% | 781 |
| Cost of funding earning assets | 1.2432% | 4,609 |
| Net interest margin | 4.8441% | 610 |
| Noninterest income to average assets | 0.7741% | 2,362 |
| Noninterest expense to average assets | 3.6222% | 1,737 |
| Loan and lease loss provision to assets | 0.0534% | 6,543 |
| Net operating income to assets | 1.0602% | 2,038 |
| Return on assets (ROA) | 1.0677% | 2,124 |
| Pretax return on assets | 1.5295% | 1,533 |
| Return on Equity (ROE) | 10.7356% | 1,869 |
| Retained earnings to average equity (ytd only) | 6.5756% | 2,054 |
| Net charge-offs to loans | 0.1928% | 4,793 |
| Credit loss provision to net charge-offs | 52.6316% | 5,846 |
| Earnings coverage of net charge-offs (x) | 15.4985% | 1,434 |
| Efficiency ratio | 69.7328% | 4,124 |
| Assets per employee ($millions) | 2.0884% | 7,477 |
| Cash dividends to net income (ytd only)* | 38.7497% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7387% | 3,028 |
| Loan loss allowance to noncurrent loans | 60.9726% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.5361% | 4,144 |
| Noncurrent loans to loans | 2.8517% | 2,799 |
| Net loans and leases to total assets | 52.9315% | 5,989 |
| Net loans and leases to deposits | 61.8053% | 6,133 |
| Net loans and leases to core deposits | 64.2973% | 6,273 |
| Total domestic deposits to total assets | 85.6423% | 3,271 |
| Equity capital to assets | 10.0308% | 4,124 |
| Core capital (leverage) ratio | 9.3175% | 4,185 |
| Tier 1 risk-based capital ratio | 16.3953% | 2,601 |
| Total risk-based capital ratio | 17.6531% | 2,546 |
| Memoranda: | ||
| Average total assets | $49,950,500 | 6,614 |
| Average earning assets | $45,580,000 | 6,603 |
| Average equity | $4,967,750 | 6,760 |
| Average total loans | $26,279,250 | 6,691 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2101% | 608 |
| Cost of funding earning assets | 1.2697% | 4,717 |
| Net interest margin | 4.9404% | 488 |
| Noninterest income to average assets | 0.7724% | 2,271 |
| Noninterest expense to average assets | 3.6587% | 1,650 |
| Loan and lease loss provision to assets | 0.0528% | 6,431 |
| Net operating income to assets | 1.0814% | 1,916 |
| Return on assets (ROA) | 1.0814% | 1,991 |
| Pretax return on assets | 1.5529% | 1,426 |
| Return on Equity (ROE) | 10.9061% | 1,782 |
| Retained earnings to average equity (ytd only) | 6.6011% | 2,022 |
| Net charge-offs to loans | 0.2494% | 4,099 |
| Credit loss provision to net charge-offs | 40.6250% | 5,603 |
| Earnings coverage of net charge-offs (x) | 12.3438% | 1,683 |
| Efficiency ratio | 69.4981% | 4,280 |
| Assets per employee ($millions) | 2.1436% | 7,480 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8263% | 2,648 |
| Loan loss allowance to noncurrent loans | 58.0262% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.6347% | 3,985 |
| Noncurrent loans to loans | 3.1473% | 2,545 |
| Net loans and leases to total assets | 50.9913% | 6,309 |
| Net loans and leases to deposits | 59.2742% | 6,478 |
| Net loans and leases to core deposits | 61.2234% | 6,620 |
| Total domestic deposits to total assets | 86.0261% | 3,068 |
| Equity capital to assets | 9.7384% | 4,358 |
| Core capital (leverage) ratio | 9.2291% | 4,253 |
| Tier 1 risk-based capital ratio | 16.4443% | 2,496 |
| Total risk-based capital ratio | 17.7008% | 2,439 |
| Memoranda: | ||
| Average total assets | $49,197,670 | 6,686 |
| Average earning assets | $44,733,670 | 6,670 |
| Average equity | $4,878,000 | 6,821 |
| Average total loans | $25,664,330 | 6,764 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3161% | 514 |
| Cost of funding earning assets | 1.2926% | 4,857 |
| Net interest margin | 5.0235% | 400 |
| Noninterest income to average assets | 0.8154% | 1,944 |
| Noninterest expense to average assets | 3.7526% | 1,411 |
| Loan and lease loss provision to assets | 0.0582% | 6,067 |
| Net operating income to assets | 1.0318% | 2,060 |
| Return on assets (ROA) | 1.0318% | 2,120 |
| Pretax return on assets | 1.5643% | 1,351 |
| Return on Equity (ROE) | 10.3076% | 2,003 |
| Retained earnings to average equity (ytd only) | 5.7357% | 2,748 |
| Net charge-offs to loans | 0.1432% | 4,076 |
| Credit loss provision to net charge-offs | 77.7778% | 3,935 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,117 |
| Efficiency ratio | 69.8142% | 4,345 |
| Assets per employee ($millions) | 1.8048% | 7,754 |
| Cash dividends to net income (ytd only)* | 44.3548% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9819% | 2,236 |
| Loan loss allowance to noncurrent loans | 101.6097% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 1.0199% | 5,117 |
| Noncurrent loans to loans | 1.9505% | 3,857 |
| Net loans and leases to total assets | 51.2528% | 6,348 |
| Net loans and leases to deposits | 59.9726% | 6,474 |
| Net loans and leases to core deposits | 61.2853% | 6,657 |
| Total domestic deposits to total assets | 85.4604% | 3,433 |
| Equity capital to assets | 9.9920% | 3,887 |
| Core capital (leverage) ratio | 9.2770% | 4,093 |
| Tier 1 risk-based capital ratio | 16.8835% | 2,310 |
| Total risk-based capital ratio | 18.1437% | 2,260 |
| Memoranda: | ||
| Average total assets | $48,073,500 | 6,802 |
| Average earning assets | $43,634,500 | 6,791 |
| Average equity | $4,812,000 | 6,907 |
| Average total loans | $25,136,000 | 6,873 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3453% | 943 |
| Cost of funding earning assets | 1.3529% | 6,130 |
| Net interest margin | 4.9924% | 457 |
| Noninterest income to average assets | 0.7482% | 2,686 |
| Noninterest expense to average assets | 3.8292% | 1,636 |
| Loan and lease loss provision to assets | 0.0132% | 7,357 |
| Net operating income to assets | 1.0304% | 1,741 |
| Return on assets (ROA) | 1.0453% | 1,730 |
| Pretax return on assets | 1.5405% | 1,095 |
| Return on Equity (ROE) | 10.4162% | 1,578 |
| Retained earnings to average equity (ytd only) | 6.7979% | 1,037 |
| Net charge-offs to loans | 0.3601% | 4,428 |
| Credit loss provision to net charge-offs | 7.5000% | 6,984 |
| Earnings coverage of net charge-offs (x) | 8.7000% | 1,909 |
| Efficiency ratio | 71.4286% | 4,366 |
| Assets per employee ($millions) | 1.8967% | 7,786 |
| Cash dividends to net income (ytd only)* | 34.7368% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0450% | 1,926 |
| Loan loss allowance to noncurrent loans | 103.8934% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 5,047 |
| Noncurrent loans to loans | 1.9684% | 3,696 |
| Net loans and leases to total assets | 51.2147% | 6,511 |
| Net loans and leases to deposits | 59.2245% | 6,687 |
| Net loans and leases to core deposits | 70.2955% | 6,754 |
| Total domestic deposits to total assets | 86.4756% | 2,775 |
| Equity capital to assets | 10.0278% | 3,719 |
| Core capital (leverage) ratio | 9.6040% | 3,590 |
| Tier 1 risk-based capital ratio | 16.9508% | 2,162 |
| Total risk-based capital ratio | 18.2134% | 2,128 |
| Memoranda: | ||
| Average total assets | $45,440,200 | 6,898 |
| Average earning assets | $41,984,000 | 6,862 |
| Average equity | $4,560,200 | 7,093 |
| Average total loans | $22,216,400 | 7,077 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3591% | 1,007 |
| Cost of funding earning assets | 1.3695% | 6,336 |
| Net interest margin | 4.9896% | 453 |
| Noninterest income to average assets | 0.7238% | 2,857 |
| Noninterest expense to average assets | 3.8238% | 1,554 |
| Loan and lease loss provision to assets | 0.0059% | 7,258 |
| Net operating income to assets | 1.0751% | 1,813 |
| Return on assets (ROA) | 1.0916% | 1,822 |
| Pretax return on assets | 1.5544% | 1,272 |
| Return on Equity (ROE) | 10.8755% | 1,661 |
| Retained earnings to average equity (ytd only) | 7.1814% | 1,437 |
| Net charge-offs to loans | 0.4821% | 3,300 |
| Credit loss provision to net charge-offs | 2.5641% | 6,651 |
| Earnings coverage of net charge-offs (x) | 6.6409% | 2,561 |
| Efficiency ratio | 71.3337% | 4,357 |
| Assets per employee ($millions) | 1.7932% | 7,901 |
| Cash dividends to net income (ytd only)* | 33.9672% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1390% | 1,521 |
| Loan loss allowance to noncurrent loans | 198.0392% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 6,089 |
| Noncurrent loans to loans | 1.0801% | 5,147 |
| Net loans and leases to total assets | 49.5560% | 6,815 |
| Net loans and leases to deposits | 57.5944% | 6,993 |
| Net loans and leases to core deposits | 65.5228% | 7,181 |
| Total domestic deposits to total assets | 86.0431% | 2,690 |
| Equity capital to assets | 10.1411% | 3,919 |
| Core capital (leverage) ratio | 9.6183% | 3,763 |
| Tier 1 risk-based capital ratio | 17.3525% | 2,169 |
| Total risk-based capital ratio | 18.6142% | 2,113 |
| Memoranda: | ||
| Average total assets | $44,945,750 | 6,966 |
| Average earning assets | $41,766,000 | 6,922 |
| Average equity | $4,511,500 | 7,175 |
| Average total loans | $21,572,500 | 7,174 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4310% | 941 |
| Cost of funding earning assets | 1.4243% | 6,403 |
| Net interest margin | 5.0068% | 424 |
| Noninterest income to average assets | 0.6759% | 3,145 |
| Noninterest expense to average assets | 3.7624% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0832% | 1,832 |
| Return on assets (ROA) | 1.1084% | 1,822 |
| Pretax return on assets | 1.5906% | 1,226 |
| Return on Equity (ROE) | 11.0828% | 1,682 |
| Retained earnings to average equity (ytd only) | 7.2533% | 1,489 |
| Net charge-offs to loans | 0.4499% | 3,019 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 7.3404% | 2,456 |
| Efficiency ratio | 70.7627% | 4,630 |
| Assets per employee ($millions) | 1.7549% | 8,000 |
| Cash dividends to net income (ytd only)* | 34.5528% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3841% | 1,013 |
| Loan loss allowance to noncurrent loans | 196.3235% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 5,927 |
| Noncurrent loans to loans | 1.2144% | 4,786 |
| Net loans and leases to total assets | 47.9179% | 7,039 |
| Net loans and leases to deposits | 55.4896% | 7,192 |
| Net loans and leases to core deposits | 63.7156% | 7,311 |
| Total domestic deposits to total assets | 86.3549% | 2,594 |
| Equity capital to assets | 9.8141% | 4,194 |
| Core capital (leverage) ratio | 9.5359% | 3,832 |
| Tier 1 risk-based capital ratio | 17.4772% | 2,160 |
| Total risk-based capital ratio | 18.7374% | 2,108 |
| Memoranda: | ||
| Average total assets | $44,387,000 | 7,043 |
| Average earning assets | $41,144,330 | 7,006 |
| Average equity | $4,439,330 | 7,259 |
| Average total loans | $20,893,670 | 7,272 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4274% | 1,001 |
| Cost of funding earning assets | 1.4697% | 6,503 |
| Net interest margin | 4.9577% | 447 |
| Noninterest income to average assets | 0.9231% | 1,764 |
| Noninterest expense to average assets | 3.6832% | 1,686 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3097% | 1,353 |
| Return on assets (ROA) | 1.3161% | 1,445 |
| Pretax return on assets | 1.8736% | 853 |
| Return on Equity (ROE) | 13.0317% | 1,381 |
| Retained earnings to average equity (ytd only) | 8.5068% | 1,630 |
| Net charge-offs to loans | 0.2582% | 3,115 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 15.6923% | 1,595 |
| Efficiency ratio | 66.3921% | 5,251 |
| Assets per employee ($millions) | 1.7200% | 8,052 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7154% | 618 |
| Loan loss allowance to noncurrent loans | 205.0542% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 5,639 |
| Noncurrent loans to loans | 1.3242% | 4,330 |
| Net loans and leases to total assets | 45.5043% | 7,226 |
| Net loans and leases to deposits | 52.9314% | 7,346 |
| Net loans and leases to core deposits | 61.7172% | 7,401 |
| Total domestic deposits to total assets | 85.9686% | 2,743 |
| Equity capital to assets | 10.0199% | 3,983 |
| Core capital (leverage) ratio | 9.7098% | 3,744 |
| Tier 1 risk-based capital ratio | 18.0101% | 2,051 |
| Total risk-based capital ratio | 19.2765% | 1,996 |
| Memoranda: | ||
| Average total assets | $43,766,500 | 7,111 |
| Average earning assets | $40,825,500 | 7,065 |
| Average equity | $4,420,000 | 7,312 |
| Average total loans | $20,141,500 | 7,355 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7530% | 1,854 |
| Cost of funding earning assets | 2.1330% | 5,914 |
| Net interest margin | 4.6200% | 1,127 |
| Noninterest income to average assets | 0.8645% | 2,139 |
| Noninterest expense to average assets | 3.6588% | 2,027 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0999% | 2,150 |
| Return on assets (ROA) | 0.7961% | 3,292 |
| Pretax return on assets | 1.1018% | 3,021 |
| Return on Equity (ROE) | 8.2296% | 2,963 |
| Retained earnings to average equity (ytd only) | 4.5746% | 2,280 |
| Net charge-offs to loans | 0.0767% | 5,663 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 44.5333% | 829 |
| Efficiency ratio | 70.5986% | 4,230 |
| Assets per employee ($millions) | 1.7125% | 8,091 |
| Cash dividends to net income (ytd only)* | 44.4126% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0054% | 428 |
| Loan loss allowance to noncurrent loans | 205.6537% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6610% | 5,237 |
| Noncurrent loans to loans | 1.4614% | 3,605 |
| Net loans and leases to total assets | 43.8732% | 7,480 |
| Net loans and leases to deposits | 50.5572% | 7,602 |
| Net loans and leases to core deposits | 58.7446% | 7,643 |
| Total domestic deposits to total assets | 86.7794% | 2,046 |
| Equity capital to assets | 10.1817% | 3,828 |
| Core capital (leverage) ratio | 9.8373% | 3,601 |
| Tier 1 risk-based capital ratio | 18.8037% | 1,855 |
| Total risk-based capital ratio | 20.0709% | 1,803 |
| Memoranda: | ||
| Average total assets | $43,839,200 | 7,033 |
| Average earning assets | $40,974,200 | 6,995 |
| Average equity | $4,240,800 | 7,418 |
| Average total loans | $19,566,200 | 7,362 |