Home > Dutton State Bank > Performance and Condition Ratios
Dutton State Bank, Performance and Condition Ratios
| 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 | 5.6440% | 207 |
| Cost of funding earning assets | 0.2171% | 4,835 |
| Net interest margin | 5.4269% | 115 |
| Noninterest income to average assets | 1.1084% | 826 |
| Noninterest expense to average assets | 4.1642% | 421 |
| Loan and lease loss provision to assets | 0.1669% | 1,212 |
| Net operating income to assets | 1.2174% | 1,620 |
| Return on assets (ROA) | 1.2174% | 1,649 |
| Pretax return on assets | 1.6737% | 1,187 |
| Return on Equity (ROE) | 10.8320% | 1,763 |
| Retained earnings to average equity (ytd only) | 2.8714% | 4,195 |
| Net charge-offs to loans | 0.0468% | 2,508 |
| Credit loss provision to net charge-offs | 416.6667% | 745 |
| Earnings coverage of net charge-offs (x) | 45.9433% | 1,182 |
| Efficiency ratio | 69.3477% | 2,642 |
| Assets per employee ($millions) | 2.8034% | 5,386 |
| Cash dividends to net income (ytd only)* | 73.4917% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,594 |
| Loan loss allowance to noncurrent loans | 86.3946% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.3109% | 1,224 |
| Noncurrent loans to loans | 1.4560% | 1,286 |
| Net loans and leases to total assets | 88.9028% | 118 |
| Net loans and leases to deposits | 106.5245% | 390 |
| Net loans and leases to core deposits | 113.7907% | 852 |
| Total domestic deposits to total assets | 83.4576% | 3,303 |
| Equity capital to assets | 12.1567% | 1,862 |
| Core capital (leverage) ratio | 11.5015% | 2,018 |
| Tier 1 risk-based capital ratio | 13.0916% | 3,951 |
| Total risk-based capital ratio | 14.3132% | 3,875 |
| Memoranda: | ||
| Average total assets | $59,906,250 | 5,021 |
| Average earning assets | $54,050,500 | 5,045 |
| Average equity | $6,733,000 | 5,047 |
| Average total loans | $51,255,000 | 4,465 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4824% | 254 |
| Cost of funding earning assets | 0.2063% | 4,914 |
| Net interest margin | 5.2762% | 146 |
| Noninterest income to average assets | 0.8760% | 1,344 |
| Noninterest expense to average assets | 3.9159% | 588 |
| Loan and lease loss provision to assets | 0.2452% | 685 |
| Net operating income to assets | 1.0950% | 2,000 |
| Return on assets (ROA) | 1.0950% | 2,058 |
| Pretax return on assets | 1.4807% | 1,716 |
| Return on Equity (ROE) | 9.9921% | 2,039 |
| Retained earnings to average equity (ytd only) | 1.7001% | 4,578 |
| Net charge-offs to loans | -0.0311% | 4,974 |
| Credit loss provision to net charge-offs | -937.5000% | 4,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4090% | 2,782 |
| Assets per employee ($millions) | 2.8701% | 5,382 |
| Cash dividends to net income (ytd only)* | 82.9851% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,599 |
| Loan loss allowance to noncurrent loans | 98.3631% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.1149% | 1,559 |
| Noncurrent loans to loans | 1.2850% | 1,499 |
| Net loans and leases to total assets | 85.6700% | 296 |
| Net loans and leases to deposits | 100.0736% | 729 |
| Net loans and leases to core deposits | 106.4003% | 1,200 |
| Total domestic deposits to total assets | 85.6069% | 2,567 |
| Equity capital to assets | 11.1611% | 2,645 |
| Core capital (leverage) ratio | 11.2495% | 2,181 |
| Tier 1 risk-based capital ratio | 12.5389% | 4,283 |
| Total risk-based capital ratio | 13.7729% | 4,191 |
| Memoranda: | ||
| Average total assets | $61,185,670 | 5,036 |
| Average earning assets | $55,267,330 | 5,061 |
| Average equity | $6,705,330 | 5,075 |
| Average total loans | $51,513,000 | 4,476 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3222% | 307 |
| Cost of funding earning assets | 0.2042% | 4,943 |
| Net interest margin | 5.1180% | 179 |
| Noninterest income to average assets | 0.9020% | 1,234 |
| Noninterest expense to average assets | 4.0427% | 515 |
| Loan and lease loss provision to assets | 0.2920% | 477 |
| Net operating income to assets | 1.1226% | 1,785 |
| Return on assets (ROA) | 1.1226% | 1,822 |
| Pretax return on assets | 1.2848% | 2,281 |
| Return on Equity (ROE) | 10.3368% | 1,809 |
| Retained earnings to average equity (ytd only) | 2.9278% | 3,947 |
| Net charge-offs to loans | -0.0391% | 5,062 |
| Credit loss provision to net charge-offs | -900.0000% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9400% | 2,588 |
| Assets per employee ($millions) | 3.0713% | 5,299 |
| Cash dividends to net income (ytd only)* | 71.6763% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 2,782 |
| Loan loss allowance to noncurrent loans | 152.7981% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6691% | 2,625 |
| Noncurrent loans to loans | 0.8219% | 2,399 |
| Net loans and leases to total assets | 80.3894% | 784 |
| Net loans and leases to deposits | 91.0180% | 1,425 |
| Net loans and leases to core deposits | 96.4717% | 1,785 |
| Total domestic deposits to total assets | 88.3225% | 1,524 |
| Equity capital to assets | 10.9384% | 2,700 |
| Core capital (leverage) ratio | 11.0825% | 2,282 |
| Tier 1 risk-based capital ratio | 12.7444% | 4,228 |
| Total risk-based capital ratio | 13.9356% | 4,175 |
| Memoranda: | ||
| Average total assets | $61,642,500 | 5,082 |
| Average earning assets | $56,819,000 | 5,082 |
| Average equity | $6,694,500 | 5,121 |
| Average total loans | $51,121,500 | 4,524 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6751% | 202 |
| Cost of funding earning assets | 0.1836% | 5,175 |
| Net interest margin | 5.4915% | 112 |
| Noninterest income to average assets | 1.1536% | 856 |
| Noninterest expense to average assets | 3.8288% | 756 |
| Loan and lease loss provision to assets | 0.4866% | 288 |
| Net operating income to assets | 1.3535% | 1,091 |
| Return on assets (ROA) | 1.3535% | 1,144 |
| Pretax return on assets | 1.9179% | 596 |
| Return on Equity (ROE) | 11.5541% | 1,380 |
| Retained earnings to average equity (ytd only) | 1.7822% | 4,513 |
| Net charge-offs to loans | 0.3410% | 802 |
| Credit loss provision to net charge-offs | 159.8837% | 1,723 |
| Earnings coverage of net charge-offs (x) | 7.9012% | 2,951 |
| Efficiency ratio | 61.4249% | 4,351 |
| Assets per employee ($millions) | 3.0930% | 5,274 |
| Cash dividends to net income (ytd only)* | 84.5752% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,672 |
| Loan loss allowance to noncurrent loans | 140.6326% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.6644% | 2,726 |
| Noncurrent loans to loans | 0.7868% | 2,551 |
| Net loans and leases to total assets | 83.5077% | 433 |
| Net loans and leases to deposits | 94.2044% | 1,179 |
| Net loans and leases to core deposits | 99.3022% | 1,684 |
| Total domestic deposits to total assets | 88.6451% | 1,298 |
| Equity capital to assets | 10.7826% | 2,833 |
| Core capital (leverage) ratio | 11.2682% | 2,110 |
| Tier 1 risk-based capital ratio | 12.1489% | 4,620 |
| Total risk-based capital ratio | 13.2017% | 4,646 |
| Memoranda: | ||
| Average total assets | $56,519,000 | 5,222 |
| Average earning assets | $52,280,800 | 5,203 |
| Average equity | $6,621,000 | 5,166 |
| Average total loans | $50,433,400 | 4,563 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6810% | 195 |
| Cost of funding earning assets | 0.1724% | 5,326 |
| Net interest margin | 5.5086% | 111 |
| Noninterest income to average assets | 1.2153% | 783 |
| Noninterest expense to average assets | 3.8464% | 715 |
| Loan and lease loss provision to assets | 0.5460% | 214 |
| Net operating income to assets | 1.3337% | 1,199 |
| Return on assets (ROA) | 1.3337% | 1,284 |
| Pretax return on assets | 1.9184% | 677 |
| Return on Equity (ROE) | 11.1364% | 1,624 |
| Retained earnings to average equity (ytd only) | 0.6053% | 5,199 |
| Net charge-offs to loans | 0.0240% | 3,191 |
| Credit loss provision to net charge-offs | 2,511.1111% | 196 |
| Earnings coverage of net charge-offs (x) | 113.3308% | 599 |
| Efficiency ratio | 60.9495% | 4,402 |
| Assets per employee ($millions) | 2.8655% | 5,501 |
| Cash dividends to net income (ytd only)* | 94.5651% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 2,650 |
| Loan loss allowance to noncurrent loans | 113.4426% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0644% | 1,934 |
| Noncurrent loans to loans | 1.1518% | 1,946 |
| Net loans and leases to total assets | 91.2056% | 47 |
| Net loans and leases to deposits | 104.6301% | 424 |
| Net loans and leases to core deposits | 110.8780% | 869 |
| Total domestic deposits to total assets | 87.1696% | 1,816 |
| Equity capital to assets | 11.4938% | 2,519 |
| Core capital (leverage) ratio | 11.5360% | 1,997 |
| Tier 1 risk-based capital ratio | 12.1555% | 4,696 |
| Total risk-based capital ratio | 13.4052% | 4,600 |
| Memoranda: | ||
| Average total assets | $55,184,000 | 5,290 |
| Average earning assets | $51,046,500 | 5,274 |
| Average equity | $6,608,750 | 5,216 |
| Average total loans | $49,983,000 | 4,614 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6010% | 217 |
| Cost of funding earning assets | 0.1387% | 5,625 |
| Net interest margin | 5.4623% | 120 |
| Noninterest income to average assets | 1.2556% | 720 |
| Noninterest expense to average assets | 3.7228% | 851 |
| Loan and lease loss provision to assets | 0.5177% | 246 |
| Net operating income to assets | 1.4685% | 945 |
| Return on assets (ROA) | 1.4685% | 991 |
| Pretax return on assets | 2.0743% | 493 |
| Return on Equity (ROE) | 12.0919% | 1,286 |
| Retained earnings to average equity (ytd only) | 1.5719% | 4,751 |
| Net charge-offs to loans | -0.0694% | 5,496 |
| Credit loss provision to net charge-offs | -829.4118% | 5,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9535% | 4,777 |
| Assets per employee ($millions) | 2.9016% | 5,532 |
| Cash dividends to net income (ytd only)* | 87.0000% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 3,149 |
| Loan loss allowance to noncurrent loans | 97.9876% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.1718% | 1,795 |
| Noncurrent loans to loans | 1.2626% | 1,811 |
| Net loans and leases to total assets | 91.6544% | 26 |
| Net loans and leases to deposits | 105.8708% | 373 |
| Net loans and leases to core deposits | 110.2409% | 920 |
| Total domestic deposits to total assets | 86.5720% | 2,123 |
| Equity capital to assets | 11.9878% | 2,129 |
| Core capital (leverage) ratio | 12.0654% | 1,584 |
| Tier 1 risk-based capital ratio | 12.1423% | 4,742 |
| Total risk-based capital ratio | 13.3056% | 4,708 |
| Memoranda: | ||
| Average total assets | $54,475,670 | 5,359 |
| Average earning assets | $50,455,000 | 5,344 |
| Average equity | $6,616,000 | 5,265 |
| Average total loans | $48,990,330 | 4,680 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4221% | 286 |
| Cost of funding earning assets | 0.1437% | 5,649 |
| Net interest margin | 5.2783% | 153 |
| Noninterest income to average assets | 1.5735% | 476 |
| Noninterest expense to average assets | 3.9374% | 658 |
| Loan and lease loss provision to assets | 0.2955% | 537 |
| Net operating income to assets | 1.5735% | 744 |
| Return on assets (ROA) | 1.5735% | 778 |
| Pretax return on assets | 2.2235% | 365 |
| Return on Equity (ROE) | 12.8711% | 1,061 |
| Retained earnings to average equity (ytd only) | 2.3567% | 4,310 |
| Net charge-offs to loans | -0.0334% | 5,114 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9840% | 4,604 |
| Assets per employee ($millions) | 2.9454% | 5,556 |
| Cash dividends to net income (ytd only)* | 81.6901% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 4,361 |
| Loan loss allowance to noncurrent loans | 75.2174% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2330% | 1,766 |
| Noncurrent loans to loans | 1.3891% | 1,718 |
| Net loans and leases to total assets | 87.8310% | 123 |
| Net loans and leases to deposits | 104.7302% | 381 |
| Net loans and leases to core deposits | 105.4108% | 1,117 |
| Total domestic deposits to total assets | 83.8641% | 3,572 |
| Equity capital to assets | 11.7866% | 2,168 |
| Core capital (leverage) ratio | 12.0289% | 1,584 |
| Tier 1 risk-based capital ratio | 12.2547% | 4,748 |
| Total risk-based capital ratio | 13.2192% | 4,849 |
| Memoranda: | ||
| Average total assets | $54,148,000 | 5,418 |
| Average earning assets | $50,091,500 | 5,403 |
| Average equity | $6,619,500 | 5,299 |
| Average total loans | $47,904,000 | 4,741 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6018% | 233 |
| Cost of funding earning assets | 0.1532% | 5,666 |
| Net interest margin | 5.4486% | 135 |
| Noninterest income to average assets | 1.3657% | 646 |
| Noninterest expense to average assets | 3.6541% | 1,039 |
| Loan and lease loss provision to assets | 0.1860% | 1,203 |
| Net operating income to assets | 1.8434% | 452 |
| Return on assets (ROA) | 1.8434% | 462 |
| Pretax return on assets | 2.3886% | 251 |
| Return on Equity (ROE) | 15.5285% | 611 |
| Retained earnings to average equity (ytd only) | 9.7994% | 492 |
| Net charge-offs to loans | 0.1323% | 2,043 |
| Credit loss provision to net charge-offs | 175.8621% | 1,543 |
| Earnings coverage of net charge-offs (x) | 24.3448% | 1,679 |
| Efficiency ratio | 58.6651% | 5,071 |
| Assets per employee ($millions) | 2.7544% | 5,734 |
| Cash dividends to net income (ytd only)* | 36.8942% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 4,451 |
| Loan loss allowance to noncurrent loans | 145.3988% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 3,199 |
| Noncurrent loans to loans | 0.7066% | 3,072 |
| Net loans and leases to total assets | 87.2530% | 157 |
| Net loans and leases to deposits | 100.9328% | 615 |
| Net loans and leases to core deposits | 100.9328% | 1,444 |
| Total domestic deposits to total assets | 86.4467% | 2,408 |
| Equity capital to assets | 12.6935% | 1,512 |
| Core capital (leverage) ratio | 12.5963% | 1,310 |
| Tier 1 risk-based capital ratio | 13.0575% | 4,267 |
| Total risk-based capital ratio | 14.0037% | 4,379 |
| Memoranda: | ||
| Average total assets | $54,843,200 | 5,436 |
| Average earning assets | $48,948,600 | 5,462 |
| Average equity | $6,510,600 | 5,343 |
| Average total loans | $43,851,400 | 4,863 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5750% | 236 |
| Cost of funding earning assets | 0.1521% | 5,761 |
| Net interest margin | 5.4229% | 140 |
| Noninterest income to average assets | 1.4374% | 605 |
| Noninterest expense to average assets | 3.5526% | 1,196 |
| Loan and lease loss provision to assets | 0.1178% | 1,931 |
| Net operating income to assets | 1.9253% | 406 |
| Return on assets (ROA) | 1.9253% | 426 |
| Pretax return on assets | 2.5671% | 216 |
| Return on Equity (ROE) | 16.4874% | 532 |
| Retained earnings to average equity (ytd only) | 11.3621% | 430 |
| Net charge-offs to loans | 0.0247% | 3,441 |
| Credit loss provision to net charge-offs | 612.5000% | 557 |
| Earnings coverage of net charge-offs (x) | 139.5783% | 491 |
| Efficiency ratio | 56.9557% | 5,233 |
| Assets per employee ($millions) | 3.0986% | 5,433 |
| Cash dividends to net income (ytd only)* | 31.0861% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 4,663 |
| Loan loss allowance to noncurrent loans | 285.4545% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 4,649 |
| Noncurrent loans to loans | 0.3558% | 4,335 |
| Net loans and leases to total assets | 77.9661% | 1,105 |
| Net loans and leases to deposits | 89.5175% | 1,708 |
| Net loans and leases to core deposits | 89.5175% | 2,512 |
| Total domestic deposits to total assets | 87.0960% | 1,984 |
| Equity capital to assets | 11.1426% | 2,860 |
| Core capital (leverage) ratio | 12.3219% | 1,503 |
| Tier 1 risk-based capital ratio | 12.5526% | 4,719 |
| Total risk-based capital ratio | 13.4646% | 4,856 |
| Memoranda: | ||
| Average total assets | $55,470,500 | 5,489 |
| Average earning assets | $49,099,250 | 5,527 |
| Average equity | $6,477,500 | 5,418 |
| Average total loans | $43,280,000 | 4,937 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5450% | 246 |
| Cost of funding earning assets | 0.1503% | 5,843 |
| Net interest margin | 5.3947% | 142 |
| Noninterest income to average assets | 1.5864% | 514 |
| Noninterest expense to average assets | 3.6072% | 1,115 |
| Loan and lease loss provision to assets | 0.1031% | 2,112 |
| Net operating income to assets | 2.2379% | 239 |
| Return on assets (ROA) | 2.2379% | 255 |
| Pretax return on assets | 2.7643% | 168 |
| Return on Equity (ROE) | 18.8527% | 347 |
| Retained earnings to average equity (ytd only) | 18.8527% | 87 |
| Net charge-offs to loans | 0.0095% | 3,574 |
| Credit loss provision to net charge-offs | 1,400.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 389.5000% | 176 |
| Efficiency ratio | 55.7135% | 5,454 |
| Assets per employee ($millions) | 2.8332% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 4,895 |
| Loan loss allowance to noncurrent loans | 254.7486% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 4,549 |
| Noncurrent loans to loans | 0.3901% | 4,312 |
| Net loans and leases to total assets | 84.3972% | 347 |
| Net loans and leases to deposits | 97.1204% | 867 |
| Net loans and leases to core deposits | 97.1204% | 1,712 |
| Total domestic deposits to total assets | 86.8995% | 2,219 |
| Equity capital to assets | 12.2757% | 1,823 |
| Core capital (leverage) ratio | 12.0252% | 1,650 |
| Tier 1 risk-based capital ratio | 12.9588% | 4,542 |
| Total risk-based capital ratio | 13.8644% | 4,658 |
| Memoranda: | ||
| Average total assets | $54,336,330 | 5,572 |
| Average earning assets | $49,233,330 | 5,579 |
| Average equity | $6,450,000 | 5,459 |
| Average total loans | $42,249,330 | 5,020 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 571 |
| Cost of funding earning assets | 0.1127% | 6,145 |
| Net interest margin | 4.8822% | 308 |
| Noninterest income to average assets | 0.9883% | 1,141 |
| Noninterest expense to average assets | 3.4133% | 1,466 |
| Loan and lease loss provision to assets | 0.0690% | 2,565 |
| Net operating income to assets | 1.3101% | 1,236 |
| Return on assets (ROA) | 1.3101% | 1,326 |
| Pretax return on assets | 1.9882% | 601 |
| Return on Equity (ROE) | 11.9247% | 1,371 |
| Retained earnings to average equity (ytd only) | 11.9247% | 581 |
| Net charge-offs to loans | 0.0152% | 2,862 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 312 |
| Efficiency ratio | 62.3950% | 4,734 |
| Assets per employee ($millions) | 2.9878% | 5,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 1,774 |
| Loan loss allowance to noncurrent loans | 430.6931% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 4,827 |
| Noncurrent loans to loans | 0.3916% | 4,421 |
| Net loans and leases to total assets | 70.7249% | 2,034 |
| Net loans and leases to deposits | 79.7867% | 2,581 |
| Net loans and leases to core deposits | 79.7867% | 3,191 |
| Total domestic deposits to total assets | 88.6425% | 1,479 |
| Equity capital to assets | 10.8248% | 3,172 |
| Core capital (leverage) ratio | 10.6431% | 2,800 |
| Tier 1 risk-based capital ratio | 13.7748% | 4,164 |
| Total risk-based capital ratio | 15.0274% | 4,084 |
| Memoranda: | ||
| Average total assets | $34,805,500 | 6,080 |
| Average earning assets | $31,953,000 | 6,059 |
| Average equity | $3,824,000 | 6,077 |
| Average total loans | $26,395,500 | 5,660 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0288% | 727 |
| Cost of funding earning assets | 0.1264% | 6,218 |
| Net interest margin | 4.9024% | 353 |
| Noninterest income to average assets | 1.0570% | 1,087 |
| Noninterest expense to average assets | 3.6489% | 1,222 |
| Loan and lease loss provision to assets | 0.1247% | 2,101 |
| Net operating income to assets | 1.1312% | 1,860 |
| Return on assets (ROA) | 1.1312% | 1,917 |
| Pretax return on assets | 1.7755% | 839 |
| Return on Equity (ROE) | 10.6585% | 1,833 |
| Retained earnings to average equity (ytd only) | 3.8885% | 3,449 |
| Net charge-offs to loans | 0.1682% | 2,348 |
| Credit loss provision to net charge-offs | 97.6744% | 2,484 |
| Earnings coverage of net charge-offs (x) | 14.8837% | 2,119 |
| Efficiency ratio | 65.7571% | 4,293 |
| Assets per employee ($millions) | 3.0689% | 5,605 |
| Cash dividends to net income (ytd only)* | 63.5171% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 2,117 |
| Loan loss allowance to noncurrent loans | 255.9524% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4977% | 4,141 |
| Noncurrent loans to loans | 0.6222% | 3,822 |
| Net loans and leases to total assets | 78.7043% | 916 |
| Net loans and leases to deposits | 89.5333% | 1,562 |
| Net loans and leases to core deposits | 89.5333% | 2,332 |
| Total domestic deposits to total assets | 87.9051% | 1,822 |
| Equity capital to assets | 11.1588% | 2,742 |
| Core capital (leverage) ratio | 11.3021% | 2,131 |
| Tier 1 risk-based capital ratio | 12.9266% | 4,775 |
| Total risk-based capital ratio | 14.1399% | 4,714 |
| Memoranda: | ||
| Average total assets | $33,681,600 | 6,182 |
| Average earning assets | $30,862,200 | 6,164 |
| Average equity | $3,574,600 | 6,166 |
| Average total loans | $25,557,800 | 5,757 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 929 |
| Cost of funding earning assets | 0.1337% | 6,271 |
| Net interest margin | 4.7660% | 452 |
| Noninterest income to average assets | 1.0655% | 1,080 |
| Noninterest expense to average assets | 3.5964% | 1,303 |
| Loan and lease loss provision to assets | 0.1664% | 1,488 |
| Net operating income to assets | 1.0417% | 2,272 |
| Return on assets (ROA) | 1.0417% | 2,333 |
| Pretax return on assets | 1.6794% | 1,116 |
| Return on Equity (ROE) | 9.9436% | 2,247 |
| Retained earnings to average equity (ytd only) | 7.6750% | 1,505 |
| Net charge-offs to loans | 0.2487% | 1,551 |
| Credit loss provision to net charge-offs | 89.3617% | 2,445 |
| Earnings coverage of net charge-offs (x) | 9.9142% | 2,607 |
| Efficiency ratio | 66.0844% | 4,201 |
| Assets per employee ($millions) | 2.9674% | 5,765 |
| Cash dividends to net income (ytd only)* | 22.8141% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5608% | 2,452 |
| Loan loss allowance to noncurrent loans | 287.8378% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 4,497 |
| Noncurrent loans to loans | 0.5423% | 4,303 |
| Net loans and leases to total assets | 82.3106% | 484 |
| Net loans and leases to deposits | 93.8815% | 1,053 |
| Net loans and leases to core deposits | 93.8815% | 1,881 |
| Total domestic deposits to total assets | 87.6750% | 1,938 |
| Equity capital to assets | 11.7398% | 2,271 |
| Core capital (leverage) ratio | 11.1944% | 2,313 |
| Tier 1 risk-based capital ratio | 13.4828% | 4,551 |
| Total risk-based capital ratio | 14.7380% | 4,485 |
| Memoranda: | ||
| Average total assets | $33,662,500 | 6,260 |
| Average earning assets | $30,912,750 | 6,240 |
| Average equity | $3,526,500 | 6,242 |
| Average total loans | $25,197,500 | 5,832 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6366% | 1,432 |
| Cost of funding earning assets | 0.1281% | 6,367 |
| Net interest margin | 4.5085% | 692 |
| Noninterest income to average assets | 1.1528% | 881 |
| Noninterest expense to average assets | 3.5409% | 1,403 |
| Loan and lease loss provision to assets | 0.1765% | 1,389 |
| Net operating income to assets | 0.8999% | 2,806 |
| Return on assets (ROA) | 0.8999% | 2,901 |
| Pretax return on assets | 1.5763% | 1,316 |
| Return on Equity (ROE) | 8.9352% | 2,627 |
| Retained earnings to average equity (ytd only) | 5.4312% | 2,686 |
| Net charge-offs to loans | 0.3837% | 1,046 |
| Credit loss provision to net charge-offs | 63.8298% | 2,581 |
| Earnings coverage of net charge-offs (x) | 6.3404% | 2,784 |
| Efficiency ratio | 66.8889% | 4,217 |
| Assets per employee ($millions) | 2.9199% | 5,868 |
| Cash dividends to net income (ytd only)* | 39.2157% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 2,691 |
| Loan loss allowance to noncurrent loans | 244.9704% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 4,560 |
| Noncurrent loans to loans | 0.6307% | 4,133 |
| Net loans and leases to total assets | 75.2932% | 1,267 |
| Net loans and leases to deposits | 84.6934% | 1,964 |
| Net loans and leases to core deposits | 84.6934% | 2,658 |
| Total domestic deposits to total assets | 88.9009% | 1,417 |
| Equity capital to assets | 10.6282% | 3,275 |
| Core capital (leverage) ratio | 10.2565% | 3,258 |
| Tier 1 risk-based capital ratio | 12.8778% | 4,994 |
| Total risk-based capital ratio | 14.1292% | 4,925 |
| Memoranda: | ||
| Average total assets | $34,003,000 | 6,310 |
| Average earning assets | $31,229,670 | 6,292 |
| Average equity | $3,424,670 | 6,309 |
| Average total loans | $24,499,000 | 5,909 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5285% | 1,710 |
| Cost of funding earning assets | 0.1436% | 6,388 |
| Net interest margin | 4.3849% | 831 |
| Noninterest income to average assets | 1.2185% | 745 |
| Noninterest expense to average assets | 3.6554% | 1,200 |
| Loan and lease loss provision to assets | 0.0478% | 3,136 |
| Net operating income to assets | 0.7048% | 3,663 |
| Return on assets (ROA) | 0.7048% | 3,741 |
| Pretax return on assets | 1.5290% | 1,343 |
| Return on Equity (ROE) | 7.2061% | 3,348 |
| Retained earnings to average equity (ytd only) | -0.1221% | 5,575 |
| Net charge-offs to loans | 0.8051% | 430 |
| Credit loss provision to net charge-offs | 8.5106% | 2,619 |
| Earnings coverage of net charge-offs (x) | 2.8085% | 2,794 |
| Efficiency ratio | 69.8630% | 3,863 |
| Assets per employee ($millions) | 3.2860% | 5,370 |
| Cash dividends to net income (ytd only)* | 101.6949% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 2,686 |
| Loan loss allowance to noncurrent loans | 137.5887% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 3,792 |
| Noncurrent loans to loans | 1.1656% | 3,103 |
| Net loans and leases to total assets | 65.8579% | 2,588 |
| Net loans and leases to deposits | 72.8985% | 3,222 |
| Net loans and leases to core deposits | 72.8985% | 3,772 |
| Total domestic deposits to total assets | 90.3419% | 896 |
| Equity capital to assets | 9.0577% | 5,045 |
| Core capital (leverage) ratio | 9.3802% | 4,458 |
| Tier 1 risk-based capital ratio | 12.2127% | 5,501 |
| Total risk-based capital ratio | 13.4666% | 5,431 |
| Memoranda: | ||
| Average total assets | $33,485,000 | 6,384 |
| Average earning assets | $30,650,500 | 6,367 |
| Average equity | $3,275,000 | 6,395 |
| Average total loans | $23,350,500 | 6,009 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3492% | 482 |
| Cost of funding earning assets | 0.1789% | 6,399 |
| Net interest margin | 5.1703% | 226 |
| Noninterest income to average assets | 0.8210% | 1,981 |
| Noninterest expense to average assets | 3.5893% | 1,466 |
| Loan and lease loss provision to assets | 0.1642% | 2,225 |
| Net operating income to assets | 1.1113% | 1,896 |
| Return on assets (ROA) | 1.1428% | 1,851 |
| Pretax return on assets | 1.8619% | 663 |
| Return on Equity (ROE) | 11.1567% | 1,716 |
| Retained earnings to average equity (ytd only) | 11.1567% | 403 |
| Net charge-offs to loans | 0.1449% | 3,352 |
| Credit loss provision to net charge-offs | 147.0588% | 1,582 |
| Earnings coverage of net charge-offs (x) | 17.7059% | 1,701 |
| Efficiency ratio | 64.4838% | 4,821 |
| Assets per employee ($millions) | 2.8022% | 6,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9149% | 1,750 |
| Loan loss allowance to noncurrent loans | 307.8571% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 4,879 |
| Noncurrent loans to loans | 0.6220% | 4,423 |
| Net loans and leases to total assets | 71.6228% | 1,751 |
| Net loans and leases to deposits | 80.5495% | 2,380 |
| Net loans and leases to core deposits | 80.5495% | 3,060 |
| Total domestic deposits to total assets | 88.9177% | 1,684 |
| Equity capital to assets | 10.6281% | 3,005 |
| Core capital (leverage) ratio | 10.7344% | 2,641 |
| Tier 1 risk-based capital ratio | 13.4199% | 4,707 |
| Total risk-based capital ratio | 14.6781% | 4,645 |
| Memoranda: | ||
| Average total assets | $30,452,000 | 6,505 |
| Average earning assets | $27,948,000 | 6,490 |
| Average equity | $3,119,200 | 6,515 |
| Average total loans | $23,461,200 | 6,059 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3737% | 462 |
| Cost of funding earning assets | 0.1912% | 6,439 |
| Net interest margin | 5.1825% | 220 |
| Noninterest income to average assets | 0.9047% | 1,746 |
| Noninterest expense to average assets | 3.5442% | 1,515 |
| Loan and lease loss provision to assets | 0.1976% | 1,840 |
| Net operating income to assets | 1.2653% | 1,442 |
| Return on assets (ROA) | 1.3087% | 1,387 |
| Pretax return on assets | 1.9895% | 585 |
| Return on Equity (ROE) | 12.9000% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.9000% | 342 |
| Net charge-offs to loans | 0.1857% | 2,741 |
| Credit loss provision to net charge-offs | 136.3636% | 1,719 |
| Earnings coverage of net charge-offs (x) | 14.6359% | 1,930 |
| Efficiency ratio | 62.5581% | 5,059 |
| Assets per employee ($millions) | 2.7020% | 6,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 2,611 |
| Loan loss allowance to noncurrent loans | 474.4444% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 5,511 |
| Noncurrent loans to loans | 0.3590% | 5,315 |
| Net loans and leases to total assets | 82.9150% | 297 |
| Net loans and leases to deposits | 93.6963% | 847 |
| Net loans and leases to core deposits | 93.6963% | 1,604 |
| Total domestic deposits to total assets | 88.4934% | 1,840 |
| Equity capital to assets | 10.8472% | 2,919 |
| Core capital (leverage) ratio | 10.8314% | 2,638 |
| Tier 1 risk-based capital ratio | 12.4588% | 5,478 |
| Total risk-based capital ratio | 13.6619% | 5,443 |
| Memoranda: | ||
| Average total assets | $30,359,000 | 6,579 |
| Average earning assets | $27,888,250 | 6,569 |
| Average equity | $3,080,000 | 6,591 |
| Average total loans | $23,699,500 | 6,105 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1593% | 684 |
| Cost of funding earning assets | 0.2001% | 6,469 |
| Net interest margin | 4.9592% | 330 |
| Noninterest income to average assets | 1.0533% | 1,373 |
| Noninterest expense to average assets | 3.5327% | 1,535 |
| Loan and lease loss provision to assets | 0.1897% | 1,992 |
| Net operating income to assets | 1.2436% | 1,477 |
| Return on assets (ROA) | 1.3084% | 1,388 |
| Pretax return on assets | 1.9692% | 641 |
| Return on Equity (ROE) | 13.1926% | 1,199 |
| Retained earnings to average equity (ytd only) | 13.1926% | 359 |
| Net charge-offs to loans | 0.2668% | 2,142 |
| Credit loss provision to net charge-offs | 93.5484% | 2,360 |
| Earnings coverage of net charge-offs (x) | 10.1613% | 2,182 |
| Efficiency ratio | 63.1579% | 4,996 |
| Assets per employee ($millions) | 2.6652% | 6,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 2,531 |
| Loan loss allowance to noncurrent loans | 421.4286% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 5,475 |
| Noncurrent loans to loans | 0.4198% | 5,210 |
| Net loans and leases to total assets | 78.2174% | 721 |
| Net loans and leases to deposits | 88.1758% | 1,321 |
| Net loans and leases to core deposits | 88.1758% | 2,084 |
| Total domestic deposits to total assets | 88.7062% | 1,775 |
| Equity capital to assets | 10.6662% | 3,099 |
| Core capital (leverage) ratio | 10.0510% | 3,446 |
| Tier 1 risk-based capital ratio | 12.6715% | 5,376 |
| Total risk-based capital ratio | 13.9216% | 5,318 |
| Memoranda: | ||
| Average total assets | $30,571,330 | 6,624 |
| Average earning assets | $27,988,330 | 6,611 |
| Average equity | $3,032,000 | 6,644 |
| Average total loans | $23,242,330 | 6,167 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 1,094 |
| Cost of funding earning assets | 0.1964% | 6,589 |
| Net interest margin | 4.7001% | 467 |
| Noninterest income to average assets | 0.6282% | 2,991 |
| Noninterest expense to average assets | 3.3463% | 1,969 |
| Loan and lease loss provision to assets | 0.1795% | 2,069 |
| Net operating income to assets | 0.9353% | 2,496 |
| Return on assets (ROA) | 1.0642% | 2,093 |
| Pretax return on assets | 1.5898% | 1,326 |
| Return on Equity (ROE) | 11.1241% | 1,671 |
| Retained earnings to average equity (ytd only) | 11.1241% | 850 |
| Net charge-offs to loans | 0.5347% | 1,129 |
| Credit loss provision to net charge-offs | 45.1613% | 2,684 |
| Earnings coverage of net charge-offs (x) | 3.9677% | 2,640 |
| Efficiency ratio | 67.9688% | 4,314 |
| Assets per employee ($millions) | 2.8471% | 6,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7195% | 2,927 |
| Loan loss allowance to noncurrent loans | 206.2176% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 4,848 |
| Noncurrent loans to loans | 0.8338% | 4,455 |
| Net loans and leases to total assets | 72.6355% | 1,260 |
| Net loans and leases to deposits | 80.9970% | 1,954 |
| Net loans and leases to core deposits | 83.3718% | 2,413 |
| Total domestic deposits to total assets | 89.6769% | 1,250 |
| Equity capital to assets | 9.6207% | 4,679 |
| Core capital (leverage) ratio | 9.4890% | 4,106 |
| Tier 1 risk-based capital ratio | 12.0300% | 5,898 |
| Total risk-based capital ratio | 13.2712% | 5,859 |
| Memoranda: | ||
| Average total assets | $31,198,500 | 6,682 |
| Average earning assets | $28,510,000 | 6,661 |
| Average equity | $2,984,500 | 6,726 |
| Average total loans | $23,191,500 | 6,207 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0977% | 1,322 |
| Cost of funding earning assets | 0.3072% | 6,416 |
| Net interest margin | 4.7905% | 548 |
| Noninterest income to average assets | 0.4853% | 3,998 |
| Noninterest expense to average assets | 3.4667% | 1,908 |
| Loan and lease loss provision to assets | 0.1519% | 3,715 |
| Net operating income to assets | 0.7369% | 3,570 |
| Return on assets (ROA) | 0.8320% | 3,383 |
| Pretax return on assets | 1.3404% | 2,252 |
| Return on Equity (ROE) | 8.8996% | 2,687 |
| Retained earnings to average equity (ytd only) | 8.8996% | 857 |
| Net charge-offs to loans | -0.1472% | 6,892 |
| Credit loss provision to net charge-offs | -143.7500% | 6,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0659% | 3,401 |
| Assets per employee ($millions) | 2.8254% | 6,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 2,633 |
| Loan loss allowance to noncurrent loans | 186.0987% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 4,682 |
| Noncurrent loans to loans | 0.9597% | 4,280 |
| Net loans and leases to total assets | 73.4322% | 1,270 |
| Net loans and leases to deposits | 81.6646% | 2,052 |
| Net loans and leases to core deposits | 85.0361% | 2,419 |
| Total domestic deposits to total assets | 89.9192% | 992 |
| Equity capital to assets | 9.5112% | 4,859 |
| Core capital (leverage) ratio | 9.4253% | 4,219 |
| Tier 1 risk-based capital ratio | 11.9089% | 5,836 |
| Total risk-based capital ratio | 13.0575% | 5,870 |
| Memoranda: | ||
| Average total assets | $30,288,600 | 6,747 |
| Average earning assets | $27,345,800 | 6,728 |
| Average equity | $2,831,600 | 6,817 |
| Average total loans | $21,732,000 | 6,348 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1963% | 1,201 |
| Cost of funding earning assets | 0.3343% | 6,445 |
| Net interest margin | 4.8620% | 511 |
| Noninterest income to average assets | 0.3855% | 4,745 |
| Noninterest expense to average assets | 3.4650% | 1,847 |
| Loan and lease loss provision to assets | 0.1639% | 3,469 |
| Net operating income to assets | 0.8022% | 3,441 |
| Return on assets (ROA) | 0.9438% | 3,000 |
| Pretax return on assets | 1.3381% | 2,460 |
| Return on Equity (ROE) | 10.1407% | 2,279 |
| Retained earnings to average equity (ytd only) | 10.1407% | 878 |
| Net charge-offs to loans | -0.2060% | 6,996 |
| Credit loss provision to net charge-offs | -112.1212% | 6,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6766% | 3,203 |
| Assets per employee ($millions) | 2.7875% | 6,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 2,912 |
| Loan loss allowance to noncurrent loans | 138.9078% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9555% | 4,370 |
| Noncurrent loans to loans | 1.2716% | 3,926 |
| Net loans and leases to total assets | 73.8153% | 1,273 |
| Net loans and leases to deposits | 82.0935% | 2,108 |
| Net loans and leases to core deposits | 85.5340% | 2,527 |
| Total domestic deposits to total assets | 89.9162% | 890 |
| Equity capital to assets | 9.5164% | 5,184 |
| Core capital (leverage) ratio | 9.6921% | 3,971 |
| Tier 1 risk-based capital ratio | 12.0759% | 5,901 |
| Total risk-based capital ratio | 13.3157% | 5,887 |
| Memoranda: | ||
| Average total assets | $30,091,000 | 6,836 |
| Average earning assets | $27,121,250 | 6,821 |
| Average equity | $2,800,500 | 6,910 |
| Average total loans | $21,355,750 | 6,449 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0430% | 1,685 |
| Cost of funding earning assets | 0.3777% | 6,391 |
| Net interest margin | 4.6653% | 722 |
| Noninterest income to average assets | 0.6020% | 3,245 |
| Noninterest expense to average assets | 3.5384% | 1,702 |
| Loan and lease loss provision to assets | 0.1873% | 3,228 |
| Net operating income to assets | 0.8451% | 3,167 |
| Return on assets (ROA) | 1.0769% | 2,360 |
| Pretax return on assets | 1.3913% | 2,232 |
| Return on Equity (ROE) | 11.6610% | 1,783 |
| Retained earnings to average equity (ytd only) | 11.6610% | 634 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4722% | 3,165 |
| Assets per employee ($millions) | 2.6073% | 6,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 3,295 |
| Loan loss allowance to noncurrent loans | 120.4620% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 1.0565% | 4,268 |
| Noncurrent loans to loans | 1.3986% | 3,825 |
| Net loans and leases to total assets | 74.2678% | 1,210 |
| Net loans and leases to deposits | 83.1771% | 1,959 |
| Net loans and leases to core deposits | 86.9352% | 2,319 |
| Total domestic deposits to total assets | 89.2887% | 1,337 |
| Equity capital to assets | 9.9895% | 4,351 |
| Core capital (leverage) ratio | 9.8354% | 3,672 |
| Tier 1 risk-based capital ratio | 12.9520% | 5,216 |
| Total risk-based capital ratio | 14.2047% | 5,190 |
| Memoranda: | ||
| Average total assets | $29,900,330 | 6,894 |
| Average earning assets | $27,007,670 | 6,876 |
| Average equity | $2,761,330 | 6,959 |
| Average total loans | $20,794,000 | 6,523 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 4,175 |
| Cost of funding earning assets | 0.4707% | 6,010 |
| Net interest margin | 3.9650% | 2,650 |
| Noninterest income to average assets | 0.4195% | 4,519 |
| Noninterest expense to average assets | 3.5660% | 1,636 |
| Loan and lease loss provision to assets | 0.2491% | 2,470 |
| Net operating income to assets | 0.2313% | 5,883 |
| Return on assets (ROA) | 0.6293% | 4,430 |
| Pretax return on assets | 0.6817% | 4,855 |
| Return on Equity (ROE) | 7.0862% | 3,734 |
| Retained earnings to average equity (ytd only) | 7.0862% | 2,388 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7419% | 1,306 |
| Assets per employee ($millions) | 2.7727% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 3,232 |
| Loan loss allowance to noncurrent loans | 75.7447% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5410% | 3,552 |
| Noncurrent loans to loans | 2.2831% | 2,816 |
| Net loans and leases to total assets | 66.3279% | 2,408 |
| Net loans and leases to deposits | 73.3051% | 3,232 |
| Net loans and leases to core deposits | 74.9537% | 3,752 |
| Total domestic deposits to total assets | 90.4820% | 813 |
| Equity capital to assets | 8.9770% | 5,529 |
| Core capital (leverage) ratio | 8.7104% | 5,276 |
| Tier 1 risk-based capital ratio | 12.3314% | 5,734 |
| Total risk-based capital ratio | 13.5846% | 5,694 |
| Memoranda: | ||
| Average total assets | $30,510,500 | 6,934 |
| Average earning assets | $28,045,500 | 6,904 |
| Average equity | $2,709,500 | 7,021 |
| Average total loans | $20,358,500 | 6,597 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 5,355 |
| Cost of funding earning assets | 0.6526% | 5,811 |
| Net interest margin | 3.7646% | 4,005 |
| Noninterest income to average assets | 0.3933% | 4,672 |
| Noninterest expense to average assets | 3.1997% | 2,872 |
| Loan and lease loss provision to assets | 0.4133% | 2,527 |
| Net operating income to assets | 0.1567% | 5,713 |
| Return on assets (ROA) | 0.1567% | 5,855 |
| Pretax return on assets | 0.1833% | 5,826 |
| Return on Equity (ROE) | 1.9449% | 5,681 |
| Retained earnings to average equity (ytd only) | 1.9449% | 4,824 |
| Net charge-offs to loans | 0.4998% | 2,993 |
| Credit loss provision to net charge-offs | 144.1860% | 2,005 |
| Earnings coverage of net charge-offs (x) | 2.0814% | 4,217 |
| Efficiency ratio | 84.2845% | 1,730 |
| Assets per employee ($millions) | 2.3478% | 6,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6740% | 3,300 |
| Loan loss allowance to noncurrent loans | 74.7228% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.4777% | 3,741 |
| Noncurrent loans to loans | 2.2403% | 2,910 |
| Net loans and leases to total assets | 64.8537% | 3,014 |
| Net loans and leases to deposits | 71.4869% | 3,877 |
| Net loans and leases to core deposits | 73.7729% | 4,276 |
| Total domestic deposits to total assets | 90.7211% | 615 |
| Equity capital to assets | 8.7841% | 5,813 |
| Core capital (leverage) ratio | 8.8354% | 5,047 |
| Tier 1 risk-based capital ratio | 12.3139% | 5,607 |
| Total risk-based capital ratio | 13.3877% | 5,716 |
| Memoranda: | ||
| Average total assets | $30,002,800 | 6,971 |
| Average earning assets | $27,121,200 | 6,960 |
| Average equity | $2,416,600 | 7,139 |
| Average total loans | $17,206,400 | 6,793 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 5,763 |
| Cost of funding earning assets | 0.6827% | 5,865 |
| Net interest margin | 3.6706% | 4,472 |
| Noninterest income to average assets | 0.4017% | 4,656 |
| Noninterest expense to average assets | 2.9769% | 3,647 |
| Loan and lease loss provision to assets | 0.5311% | 1,862 |
| Net operating income to assets | 0.1384% | 5,864 |
| Return on assets (ROA) | 0.1384% | 5,994 |
| Pretax return on assets | 0.2053% | 5,886 |
| Return on Equity (ROE) | 1.7583% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.7583% | 5,263 |
| Net charge-offs to loans | 0.7041% | 2,150 |
| Credit loss provision to net charge-offs | 136.7816% | 2,329 |
| Earnings coverage of net charge-offs (x) | 1.8965% | 4,240 |
| Efficiency ratio | 80.1683% | 2,235 |
| Assets per employee ($millions) | 2.5610% | 6,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 3,109 |
| Loan loss allowance to noncurrent loans | 71.3362% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.5098% | 3,845 |
| Noncurrent loans to loans | 2.4506% | 2,822 |
| Net loans and leases to total assets | 60.5330% | 4,037 |
| Net loans and leases to deposits | 66.6774% | 4,802 |
| Net loans and leases to core deposits | 68.7904% | 5,088 |
| Total domestic deposits to total assets | 90.7848% | 517 |
| Equity capital to assets | 8.7010% | 6,083 |
| Core capital (leverage) ratio | 8.9322% | 5,044 |
| Tier 1 risk-based capital ratio | 12.6188% | 5,397 |
| Total risk-based capital ratio | 13.5837% | 5,624 |
| Memoranda: | ||
| Average total assets | $29,873,250 | 7,044 |
| Average earning assets | $26,952,500 | 7,030 |
| Average equity | $2,350,500 | 7,222 |
| Average total loans | $16,475,250 | 6,890 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1788% | 6,331 |
| Cost of funding earning assets | 0.7241% | 5,808 |
| Net interest margin | 3.4547% | 5,346 |
| Noninterest income to average assets | 0.4394% | 4,350 |
| Noninterest expense to average assets | 3.0824% | 3,322 |
| Loan and lease loss provision to assets | 0.5408% | 1,800 |
| Net operating income to assets | -0.1555% | 6,424 |
| Return on assets (ROA) | -0.1555% | 6,465 |
| Pretax return on assets | -0.0879% | 6,352 |
| Return on Equity (ROE) | -2.0511% | 6,521 |
| Retained earnings to average equity (ytd only) | -2.0511% | 6,259 |
| Net charge-offs to loans | 1.1242% | 1,396 |
| Credit loss provision to net charge-offs | 90.9091% | 3,432 |
| Earnings coverage of net charge-offs (x) | 0.7614% | 4,731 |
| Efficiency ratio | 87.1893% | 1,491 |
| Assets per employee ($millions) | 3.2240% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 3,252 |
| Loan loss allowance to noncurrent loans | 56.5049% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.7749% | 3,545 |
| Noncurrent loans to loans | 3.0486% | 2,373 |
| Net loans and leases to total assets | 57.2167% | 4,784 |
| Net loans and leases to deposits | 62.5452% | 5,441 |
| Net loans and leases to core deposits | 64.6294% | 5,658 |
| Total domestic deposits to total assets | 91.4806% | 345 |
| Equity capital to assets | 7.9060% | 6,740 |
| Core capital (leverage) ratio | 7.5361% | 6,718 |
| Tier 1 risk-based capital ratio | 11.9624% | 5,814 |
| Total risk-based capital ratio | 12.9492% | 6,015 |
| Memoranda: | ||
| Average total assets | $29,587,000 | 7,115 |
| Average earning assets | $26,514,670 | 7,111 |
| Average equity | $2,242,670 | 7,308 |
| Average total loans | $15,655,670 | 7,000 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9468% | 6,770 |
| Cost of funding earning assets | 0.7804% | 5,671 |
| Net interest margin | 3.1664% | 6,177 |
| Noninterest income to average assets | 0.4151% | 4,585 |
| Noninterest expense to average assets | 3.3074% | 2,536 |
| Loan and lease loss provision to assets | 0.2009% | 3,623 |
| Net operating income to assets | -0.3348% | 6,690 |
| Return on assets (ROA) | -0.3348% | 6,700 |
| Pretax return on assets | -0.2678% | 6,595 |
| Return on Equity (ROE) | -4.5106% | 6,781 |
| Retained earnings to average equity (ytd only) | -4.5106% | 6,476 |
| Net charge-offs to loans | 0.8246% | 1,594 |
| Credit loss provision to net charge-offs | 48.3871% | 3,788 |
| Earnings coverage of net charge-offs (x) | -0.1613% | 4,673 |
| Efficiency ratio | 102.0661% | 670 |
| Assets per employee ($millions) | 3.4354% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8417% | 2,881 |
| Loan loss allowance to noncurrent loans | 63.8826% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.4328% | 4,123 |
| Noncurrent loans to loans | 2.8830% | 2,605 |
| Net loans and leases to total assets | 48.7823% | 5,979 |
| Net loans and leases to deposits | 52.9860% | 6,393 |
| Net loans and leases to core deposits | 55.8423% | 6,423 |
| Total domestic deposits to total assets | 92.0664% | 264 |
| Equity capital to assets | 7.3159% | 6,964 |
| Core capital (leverage) ratio | 7.5084% | 6,722 |
| Tier 1 risk-based capital ratio | 13.0716% | 4,773 |
| Total risk-based capital ratio | 14.1051% | 4,911 |
| Memoranda: | ||
| Average total assets | $29,872,500 | 7,153 |
| Average earning assets | $26,654,500 | 7,150 |
| Average equity | $2,217,000 | 7,366 |
| Average total loans | $15,037,000 | 7,087 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 6,871 |
| Cost of funding earning assets | 1.0522% | 5,420 |
| Net interest margin | 3.1895% | 6,291 |
| Noninterest income to average assets | 0.3790% | 5,072 |
| Noninterest expense to average assets | 3.1883% | 3,138 |
| Loan and lease loss provision to assets | 0.4518% | 3,413 |
| Net operating income to assets | -0.4956% | 6,386 |
| Return on assets (ROA) | -0.4956% | 6,415 |
| Pretax return on assets | -0.4227% | 6,260 |
| Return on Equity (ROE) | -6.0796% | 6,502 |
| Retained earnings to average equity (ytd only) | -6.0796% | 6,390 |
| Net charge-offs to loans | 0.1787% | 5,253 |
| Credit loss provision to net charge-offs | 476.9231% | 481 |
| Earnings coverage of net charge-offs (x) | 0.3077% | 5,800 |
| Efficiency ratio | 99.0940% | 815 |
| Assets per employee ($millions) | 2.8826% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0329% | 2,215 |
| Loan loss allowance to noncurrent loans | 65.2838% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.5888% | 3,921 |
| Noncurrent loans to loans | 3.1140% | 2,452 |
| Net loans and leases to total assets | 49.9861% | 6,172 |
| Net loans and leases to deposits | 54.5692% | 6,562 |
| Net loans and leases to core deposits | 59.1745% | 6,460 |
| Total domestic deposits to total assets | 91.6013% | 373 |
| Equity capital to assets | 7.5349% | 6,866 |
| Core capital (leverage) ratio | 7.6446% | 6,583 |
| Tier 1 risk-based capital ratio | 13.2382% | 4,423 |
| Total risk-based capital ratio | 14.4278% | 4,421 |
| Memoranda: | ||
| Average total assets | $27,444,200 | 7,281 |
| Average earning assets | $24,424,000 | 7,271 |
| Average equity | $2,237,000 | 7,461 |
| Average total loans | $14,547,000 | 7,184 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 6,922 |
| Cost of funding earning assets | 1.0984% | 5,425 |
| Net interest margin | 3.2341% | 6,235 |
| Noninterest income to average assets | 0.3887% | 5,050 |
| Noninterest expense to average assets | 3.2276% | 2,825 |
| Loan and lease loss provision to assets | 0.5806% | 2,608 |
| Net operating income to assets | -0.6249% | 6,684 |
| Return on assets (ROA) | -0.6249% | 6,728 |
| Pretax return on assets | -0.5511% | 6,586 |
| Return on Equity (ROE) | -7.5149% | 6,810 |
| Retained earnings to average equity (ytd only) | -7.5149% | 6,740 |
| Net charge-offs to loans | 0.2022% | 4,730 |
| Credit loss provision to net charge-offs | 536.3636% | 537 |
| Earnings coverage of net charge-offs (x) | 0.2728% | 5,752 |
| Efficiency ratio | 99.0937% | 773 |
| Assets per employee ($millions) | 3.0479% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 2,393 |
| Loan loss allowance to noncurrent loans | 56.2500% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.9941% | 3,478 |
| Noncurrent loans to loans | 3.4375% | 2,317 |
| Net loans and leases to total assets | 54.9123% | 5,718 |
| Net loans and leases to deposits | 60.2616% | 6,290 |
| Net loans and leases to core deposits | 65.6569% | 6,155 |
| Total domestic deposits to total assets | 91.1232% | 406 |
| Equity capital to assets | 7.9983% | 6,806 |
| Core capital (leverage) ratio | 7.8674% | 6,501 |
| Tier 1 risk-based capital ratio | 12.6857% | 4,826 |
| Total risk-based capital ratio | 13.8039% | 4,915 |
| Memoranda: | ||
| Average total assets | $27,098,750 | 7,380 |
| Average earning assets | $24,034,750 | 7,377 |
| Average equity | $2,253,250 | 7,556 |
| Average total loans | $14,506,750 | 7,281 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2403% | 7,129 |
| Cost of funding earning assets | 1.1307% | 5,518 |
| Net interest margin | 3.1095% | 6,586 |
| Noninterest income to average assets | 0.4002% | 4,915 |
| Noninterest expense to average assets | 3.4312% | 2,190 |
| Loan and lease loss provision to assets | 0.0593% | 6,364 |
| Net operating income to assets | -0.3854% | 6,552 |
| Return on assets (ROA) | -0.3854% | 6,591 |
| Pretax return on assets | -0.3187% | 6,449 |
| Return on Equity (ROE) | -4.5755% | 6,660 |
| Retained earnings to average equity (ytd only) | -4.5755% | 6,503 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1776% | 583 |
| Assets per employee ($millions) | 3.1378% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 4,584 |
| Loan loss allowance to noncurrent loans | 37.1886% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 1.9901% | 3,510 |
| Noncurrent loans to loans | 3.6809% | 2,125 |
| Net loans and leases to total assets | 53.3251% | 6,073 |
| Net loans and leases to deposits | 58.6067% | 6,532 |
| Net loans and leases to core deposits | 63.6960% | 6,424 |
| Total domestic deposits to total assets | 90.9880% | 486 |
| Equity capital to assets | 8.0418% | 6,709 |
| Core capital (leverage) ratio | 8.1739% | 5,990 |
| Tier 1 risk-based capital ratio | 12.8526% | 4,564 |
| Total risk-based capital ratio | 14.0459% | 4,576 |
| Memoranda: | ||
| Average total assets | $26,988,000 | 7,442 |
| Average earning assets | $24,055,000 | 7,437 |
| Average equity | $2,273,000 | 7,612 |
| Average total loans | $14,222,330 | 7,345 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0604% | 7,406 |
| Cost of funding earning assets | 1.1553% | 5,633 |
| Net interest margin | 2.9051% | 7,013 |
| Noninterest income to average assets | 0.3793% | 5,102 |
| Noninterest expense to average assets | 3.6568% | 1,600 |
| Loan and lease loss provision to assets | 0.0303% | 6,372 |
| Net operating income to assets | -0.7435% | 6,982 |
| Return on assets (ROA) | -0.7435% | 7,007 |
| Pretax return on assets | -0.7131% | 6,904 |
| Return on Equity (ROE) | -8.6192% | 7,083 |
| Retained earnings to average equity (ytd only) | -8.6192% | 6,873 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.9592% | 412 |
| Assets per employee ($millions) | 2.9424% | 6,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 4,051 |
| Loan loss allowance to noncurrent loans | 33.2787% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 2.3035% | 3,148 |
| Noncurrent loans to loans | 4.4283% | 1,698 |
| Net loans and leases to total assets | 51.2499% | 6,350 |
| Net loans and leases to deposits | 56.7747% | 6,720 |
| Net loans and leases to core deposits | 60.8555% | 6,680 |
| Total domestic deposits to total assets | 90.2689% | 844 |
| Equity capital to assets | 8.4888% | 6,013 |
| Core capital (leverage) ratio | 8.5697% | 5,256 |
| Tier 1 risk-based capital ratio | 14.0851% | 3,603 |
| Total risk-based capital ratio | 15.3520% | 3,557 |
| Memoranda: | ||
| Average total assets | $26,362,000 | 7,549 |
| Average earning assets | $23,544,500 | 7,546 |
| Average equity | $2,274,000 | 7,700 |
| Average total loans | $13,699,500 | 7,460 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 7,587 |
| Cost of funding earning assets | 1.4713% | 5,629 |
| Net interest margin | 2.7671% | 7,115 |
| Noninterest income to average assets | 0.4563% | 4,752 |
| Noninterest expense to average assets | 3.2463% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2208% | 4,830 |
| Return on assets (ROA) | 0.2544% | 4,790 |
| Pretax return on assets | -0.2544% | 5,775 |
| Return on Equity (ROE) | 2.7990% | 4,588 |
| Retained earnings to average equity (ytd only) | 0.1333% | 4,825 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4396% | 788 |
| Assets per employee ($millions) | 1.3812% | 7,917 |
| Cash dividends to net income (ytd only)* | 95.2381% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 3,855 |
| Loan loss allowance to noncurrent loans | 34.3003% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 2.2331% | 3,090 |
| Noncurrent loans to loans | 4.3012% | 1,679 |
| Net loans and leases to total assets | 51.1508% | 6,514 |
| Net loans and leases to deposits | 56.7665% | 6,870 |
| Net loans and leases to core deposits | 67.6017% | 6,902 |
| Total domestic deposits to total assets | 90.1075% | 911 |
| Equity capital to assets | 8.7646% | 5,491 |
| Core capital (leverage) ratio | 8.9798% | 4,459 |
| Tier 1 risk-based capital ratio | 14.2672% | 3,339 |
| Total risk-based capital ratio | 15.5107% | 3,295 |
| Memoranda: | ||
| Average total assets | $24,766,400 | 7,644 |
| Average earning assets | $22,225,800 | 7,645 |
| Average equity | $2,250,800 | 7,791 |
| Average total loans | $12,807,600 | 7,559 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 7,696 |
| Cost of funding earning assets | 1.5347% | 5,691 |
| Net interest margin | 2.7115% | 7,195 |
| Noninterest income to average assets | 0.4645% | 4,786 |
| Noninterest expense to average assets | 3.2625% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.5137% | 6,443 |
| Return on assets (ROA) | -0.4427% | 6,370 |
| Pretax return on assets | -0.2842% | 6,085 |
| Return on Equity (ROE) | -4.8247% | 6,430 |
| Retained earnings to average equity (ytd only) | -8.3985% | 6,648 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2180% | 729 |
| Assets per employee ($millions) | 2.2127% | 7,597 |
| Cash dividends to net income (ytd only)* | -74.0741% | 7,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 4,134 |
| Loan loss allowance to noncurrent loans | 32.8431% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 2.5144% | 2,757 |
| Noncurrent loans to loans | 4.1570% | 1,747 |
| Net loans and leases to total assets | 59.6590% | 5,635 |
| Net loans and leases to deposits | 67.2954% | 6,189 |
| Net loans and leases to core deposits | 79.4322% | 6,396 |
| Total domestic deposits to total assets | 88.6524% | 1,363 |
| Equity capital to assets | 8.9400% | 5,571 |
| Core capital (leverage) ratio | 8.7006% | 5,127 |
| Tier 1 risk-based capital ratio | 12.9990% | 4,196 |
| Total risk-based capital ratio | 13.9851% | 4,313 |
| Memoranda: | ||
| Average total assets | $24,397,500 | 7,732 |
| Average earning assets | $21,980,250 | 7,721 |
| Average equity | $2,238,500 | 7,871 |
| Average total loans | $12,603,500 | 7,642 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 7,738 |
| Cost of funding earning assets | 1.5674% | 5,848 |
| Net interest margin | 2.7976% | 7,017 |
| Noninterest income to average assets | 0.4505% | 4,844 |
| Noninterest expense to average assets | 3.3092% | 2,918 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.5734% | 6,624 |
| Return on assets (ROA) | -0.5734% | 6,634 |
| Pretax return on assets | -0.3440% | 6,279 |
| Return on Equity (ROE) | -6.1965% | 6,732 |
| Retained earnings to average equity (ytd only) | -11.5078% | 7,012 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.6022% | 806 |
| Assets per employee ($millions) | 2.2388% | 7,633 |
| Cash dividends to net income (ytd only)* | -85.7143% | 8,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 3,044 |
| Loan loss allowance to noncurrent loans | 35.3251% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 2.3105% | 2,816 |
| Noncurrent loans to loans | 4.3263% | 1,506 |
| Net loans and leases to total assets | 52.5886% | 6,616 |
| Net loans and leases to deposits | 58.5515% | 6,984 |
| Net loans and leases to core deposits | 72.6075% | 6,859 |
| Total domestic deposits to total assets | 89.8161% | 908 |
| Equity capital to assets | 8.9170% | 5,425 |
| Core capital (leverage) ratio | 8.6698% | 5,147 |
| Tier 1 risk-based capital ratio | 13.7977% | 3,626 |
| Total risk-based capital ratio | 14.8390% | 3,691 |
| Memoranda: | ||
| Average total assets | $24,416,670 | 7,805 |
| Average earning assets | $21,947,670 | 7,799 |
| Average equity | $2,259,330 | 7,941 |
| Average total loans | $11,897,330 | 7,756 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3676% | 7,817 |
| Cost of funding earning assets | 1.5782% | 6,124 |
| Net interest margin | 2.7894% | 7,017 |
| Noninterest income to average assets | 0.4771% | 4,534 |
| Noninterest expense to average assets | 3.3729% | 2,438 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.5100% | 6,888 |
| Return on assets (ROA) | -0.5100% | 6,936 |
| Pretax return on assets | -0.3949% | 6,743 |
| Return on Equity (ROE) | -5.4125% | 7,013 |
| Retained earnings to average equity (ytd only) | -15.8883% | 7,488 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2597% | 746 |
| Assets per employee ($millions) | 2.2898% | 7,597 |
| Cash dividends to net income (ytd only)* | -193.5484% | 8,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7990% | 1,854 |
| Loan loss allowance to noncurrent loans | 36.9485% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 2.1598% | 2,657 |
| Noncurrent loans to loans | 4.8689% | 1,123 |
| Net loans and leases to total assets | 43.5604% | 7,379 |
| Net loans and leases to deposits | 48.4351% | 7,560 |
| Net loans and leases to core deposits | 59.5075% | 7,476 |
| Total domestic deposits to total assets | 89.9357% | 830 |
| Equity capital to assets | 8.8812% | 5,511 |
| Core capital (leverage) ratio | 9.2067% | 4,387 |
| Tier 1 risk-based capital ratio | 15.7921% | 2,758 |
| Total risk-based capital ratio | 16.9629% | 2,717 |
| Memoranda: | ||
| Average total assets | $24,311,500 | 7,857 |
| Average earning assets | $21,797,000 | 7,846 |
| Average equity | $2,291,000 | 7,979 |
| Average total loans | $11,270,000 | 7,841 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9732% | 5,678 |
| Cost of funding earning assets | 2.0778% | 6,141 |
| Net interest margin | 3.8953% | 3,584 |
| Noninterest income to average assets | 0.4835% | 4,771 |
| Noninterest expense to average assets | 3.2130% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7502% | 3,670 |
| Return on assets (ROA) | 0.7502% | 3,507 |
| Pretax return on assets | 0.7863% | 4,122 |
| Return on Equity (ROE) | 7.2105% | 3,429 |
| Retained earnings to average equity (ytd only) | -1.9112% | 5,846 |
| Net charge-offs to loans | -0.0635% | 8,050 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3390% | 2,547 |
| Assets per employee ($millions) | 2.1305% | 7,792 |
| Cash dividends to net income (ytd only)* | 126.5060% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7683% | 1,712 |
| Loan loss allowance to noncurrent loans | 56.7797% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 1.5106% | 3,198 |
| Noncurrent loans to loans | 3.1143% | 1,707 |
| Net loans and leases to total assets | 47.6467% | 7,213 |
| Net loans and leases to deposits | 53.6517% | 7,459 |
| Net loans and leases to core deposits | 64.4949% | 7,423 |
| Total domestic deposits to total assets | 88.8073% | 1,109 |
| Equity capital to assets | 10.0064% | 4,031 |
| Core capital (leverage) ratio | 9.9482% | 3,497 |
| Tier 1 risk-based capital ratio | 16.5636% | 2,464 |
| Total risk-based capital ratio | 17.7570% | 2,412 |
| Memoranda: | ||
| Average total assets | $22,128,600 | 7,941 |
| Average earning assets | $19,972,600 | 7,941 |
| Average equity | $2,302,200 | 8,050 |
| Average total loans | $11,025,600 | 7,889 |