Home > Farmers and Merchants Bank > Performance and Condition Ratios
Farmers and Merchants Bank, Performance and Condition Ratios
| 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 | 3.9257% | 3,477 |
| Cost of funding earning assets | 0.2856% | 4,208 |
| Net interest margin | 3.6401% | 2,926 |
| Noninterest income to average assets | 0.2298% | 5,038 |
| Noninterest expense to average assets | 3.1943% | 1,803 |
| Loan and lease loss provision to assets | -0.2432% | 5,808 |
| Net operating income to assets | 0.5396% | 4,482 |
| Return on assets (ROA) | 0.5396% | 4,571 |
| Pretax return on assets | 0.6329% | 4,699 |
| Return on Equity (ROE) | 4.6317% | 4,600 |
| Retained earnings to average equity (ytd only) | -5.4037% | 5,690 |
| Net charge-offs to loans | 0.5457% | 437 |
| Credit loss provision to net charge-offs | -67.5926% | 4,841 |
| Earnings coverage of net charge-offs (x) | 1.0833% | 4,043 |
| Efficiency ratio | 89.1264% | 609 |
| Assets per employee ($millions) | 6.3808% | 1,218 |
| Cash dividends to net income (ytd only)* | 216.6667% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,860 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 2,604 |
| Noncurrent loans to loans | 1.0543% | 1,969 |
| Net loans and leases to total assets | 60.0520% | 3,845 |
| Net loans and leases to deposits | 67.5159% | 4,125 |
| Net loans and leases to core deposits | 73.5498% | 3,959 |
| Total domestic deposits to total assets | 88.9450% | 1,145 |
| Equity capital to assets | 10.3341% | 3,346 |
| Core capital (leverage) ratio | 6.2951% | 5,848 |
| Tier 1 risk-based capital ratio | 12.1453% | 4,625 |
| Total risk-based capital ratio | 12.1453% | 5,285 |
| Memoranda: | ||
| Average total assets | $30,022,200 | 5,716 |
| Average earning assets | $27,663,800 | 5,694 |
| Average equity | $3,497,600 | 5,697 |
| Average total loans | $19,790,200 | 5,526 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,302 |
| Cost of funding earning assets | 0.2834% | 4,272 |
| Net interest margin | 3.6947% | 2,736 |
| Noninterest income to average assets | 0.2211% | 5,144 |
| Noninterest expense to average assets | 2.9010% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5279% | 4,581 |
| Return on assets (ROA) | 0.5279% | 4,687 |
| Pretax return on assets | 0.7309% | 4,527 |
| Return on Equity (ROE) | 4.3972% | 4,762 |
| Retained earnings to average equity (ytd only) | 2.1422% | 4,618 |
| Net charge-offs to loans | 0.0334% | 2,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 32.3823% | 1,417 |
| Efficiency ratio | 79.8758% | 1,447 |
| Assets per employee ($millions) | 4.2294% | 3,543 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 1,872 |
| Loan loss allowance to noncurrent loans | 251.6667% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 3,495 |
| Noncurrent loans to loans | 0.5851% | 3,252 |
| Net loans and leases to total assets | 68.2598% | 2,762 |
| Net loans and leases to deposits | 77.8497% | 3,196 |
| Net loans and leases to core deposits | 92.0893% | 2,367 |
| Total domestic deposits to total assets | 87.6816% | 1,568 |
| Equity capital to assets | 12.0888% | 2,051 |
| Core capital (leverage) ratio | 11.7686% | 1,830 |
| Tier 1 risk-based capital ratio | 17.9897% | 1,926 |
| Total risk-based capital ratio | 19.2436% | 1,890 |
| Memoranda: | ||
| Average total assets | $29,551,750 | 5,778 |
| Average earning assets | $27,281,750 | 5,765 |
| Average equity | $3,547,750 | 5,753 |
| Average total loans | $19,948,000 | 5,575 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 3,530 |
| Cost of funding earning assets | 0.2792% | 4,357 |
| Net interest margin | 3.6442% | 2,921 |
| Noninterest income to average assets | 0.2235% | 5,150 |
| Noninterest expense to average assets | 2.6343% | 3,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7652% | 3,479 |
| Return on assets (ROA) | 0.7652% | 3,617 |
| Pretax return on assets | 0.9481% | 3,779 |
| Return on Equity (ROE) | 6.3890% | 3,861 |
| Retained earnings to average equity (ytd only) | 2.9966% | 4,007 |
| Net charge-offs to loans | 0.0506% | 2,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,443 |
| Efficiency ratio | 73.5350% | 2,424 |
| Assets per employee ($millions) | 3.7686% | 4,325 |
| Cash dividends to net income (ytd only)* | 53.0973% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 2,074 |
| Loan loss allowance to noncurrent loans | 247.5410% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 3,593 |
| Noncurrent loans to loans | 0.5849% | 3,313 |
| Net loans and leases to total assets | 68.1880% | 2,751 |
| Net loans and leases to deposits | 78.5496% | 3,100 |
| Net loans and leases to core deposits | 89.1384% | 2,627 |
| Total domestic deposits to total assets | 86.8088% | 2,009 |
| Equity capital to assets | 11.8677% | 2,218 |
| Core capital (leverage) ratio | 11.9537% | 1,657 |
| Tier 1 risk-based capital ratio | 17.9501% | 1,941 |
| Total risk-based capital ratio | 19.2041% | 1,906 |
| Memoranda: | ||
| Average total assets | $29,533,670 | 5,852 |
| Average earning assets | $27,221,000 | 5,836 |
| Average equity | $3,537,330 | 5,821 |
| Average total loans | $19,760,330 | 5,641 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 3,586 |
| Cost of funding earning assets | 0.2681% | 4,523 |
| Net interest margin | 3.6337% | 2,946 |
| Noninterest income to average assets | 0.2190% | 5,170 |
| Noninterest expense to average assets | 2.6415% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7801% | 3,356 |
| Return on assets (ROA) | 0.7801% | 3,456 |
| Pretax return on assets | 0.9170% | 3,778 |
| Return on Equity (ROE) | 6.4828% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.4828% | 2,145 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2308% | 2,439 |
| Assets per employee ($millions) | 4.1559% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 1,630 |
| Loan loss allowance to noncurrent loans | 451.4706% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 4,299 |
| Noncurrent loans to loans | 0.3526% | 4,165 |
| Net loans and leases to total assets | 65.2367% | 3,076 |
| Net loans and leases to deposits | 74.4673% | 3,382 |
| Net loans and leases to core deposits | 80.7574% | 3,258 |
| Total domestic deposits to total assets | 87.6044% | 1,863 |
| Equity capital to assets | 12.2340% | 1,869 |
| Core capital (leverage) ratio | 11.9631% | 1,634 |
| Tier 1 risk-based capital ratio | 19.0683% | 1,721 |
| Total risk-based capital ratio | 20.3171% | 1,681 |
| Memoranda: | ||
| Average total assets | $29,226,000 | 5,916 |
| Average earning assets | $26,860,000 | 5,903 |
| Average equity | $3,517,000 | 5,877 |
| Average total loans | $19,210,500 | 5,709 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 2,976 |
| Cost of funding earning assets | 0.2526% | 4,755 |
| Net interest margin | 3.8329% | 2,264 |
| Noninterest income to average assets | 0.2298% | 5,217 |
| Noninterest expense to average assets | 2.8265% | 3,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9502% | 2,609 |
| Return on assets (ROA) | 0.8198% | 3,329 |
| Pretax return on assets | 0.8130% | 4,151 |
| Return on Equity (ROE) | 7.0622% | 3,481 |
| Retained earnings to average equity (ytd only) | 3.5163% | 3,560 |
| Net charge-offs to loans | 0.0706% | 2,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 19.6429% | 1,931 |
| Efficiency ratio | 74.9773% | 2,427 |
| Assets per employee ($millions) | 4.1944% | 3,573 |
| Cash dividends to net income (ytd only)* | 50.2092% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 1,585 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 4,307 |
| Noncurrent loans to loans | 0.3658% | 4,137 |
| Net loans and leases to total assets | 64.1259% | 3,258 |
| Net loans and leases to deposits | 72.8694% | 3,630 |
| Net loans and leases to core deposits | 78.9268% | 3,449 |
| Total domestic deposits to total assets | 88.0011% | 1,629 |
| Equity capital to assets | 11.8354% | 2,085 |
| Core capital (leverage) ratio | 12.0345% | 1,598 |
| Tier 1 risk-based capital ratio | 19.0116% | 1,701 |
| Total risk-based capital ratio | 20.2714% | 1,656 |
| Memoranda: | ||
| Average total assets | $29,152,200 | 5,971 |
| Average earning assets | $26,924,600 | 5,950 |
| Average equity | $3,384,200 | 5,936 |
| Average total loans | $19,833,000 | 5,726 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 3,055 |
| Cost of funding earning assets | 0.2566% | 4,799 |
| Net interest margin | 3.8150% | 2,330 |
| Noninterest income to average assets | 0.2245% | 5,310 |
| Noninterest expense to average assets | 2.8453% | 3,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0309% | 2,326 |
| Return on assets (ROA) | 0.8568% | 3,229 |
| Pretax return on assets | 0.7468% | 4,509 |
| Return on Equity (ROE) | 7.4172% | 3,389 |
| Retained earnings to average equity (ytd only) | 5.0373% | 2,889 |
| Net charge-offs to loans | 0.0333% | 3,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 40.1784% | 1,244 |
| Efficiency ratio | 75.5474% | 2,310 |
| Assets per employee ($millions) | 4.1363% | 3,646 |
| Cash dividends to net income (ytd only)* | 32.0860% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 1,860 |
| Loan loss allowance to noncurrent loans | 446.4789% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 4,453 |
| Noncurrent loans to loans | 0.3534% | 4,344 |
| Net loans and leases to total assets | 68.2842% | 2,638 |
| Net loans and leases to deposits | 77.6612% | 3,130 |
| Net loans and leases to core deposits | 84.9452% | 2,958 |
| Total domestic deposits to total assets | 87.9257% | 1,602 |
| Equity capital to assets | 11.9707% | 2,128 |
| Core capital (leverage) ratio | 12.1300% | 1,603 |
| Tier 1 risk-based capital ratio | 19.3230% | 1,700 |
| Total risk-based capital ratio | 20.5767% | 1,669 |
| Memoranda: | ||
| Average total assets | $29,100,000 | 6,054 |
| Average earning assets | $27,015,500 | 6,031 |
| Average equity | $3,361,500 | 6,020 |
| Average total loans | $20,007,250 | 5,794 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0465% | 3,092 |
| Cost of funding earning assets | 0.2594% | 4,841 |
| Net interest margin | 3.7871% | 2,371 |
| Noninterest income to average assets | 0.2196% | 5,390 |
| Noninterest expense to average assets | 2.9298% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0498% | 2,143 |
| Return on assets (ROA) | 0.7891% | 3,543 |
| Pretax return on assets | 0.5352% | 5,134 |
| Return on Equity (ROE) | 6.9138% | 3,665 |
| Retained earnings to average equity (ytd only) | 3.3066% | 3,940 |
| Net charge-offs to loans | 0.1301% | 1,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.9231% | 2,513 |
| Efficiency ratio | 78.6372% | 1,969 |
| Assets per employee ($millions) | 3.5843% | 4,648 |
| Cash dividends to net income (ytd only)* | 52.1739% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 2,187 |
| Loan loss allowance to noncurrent loans | 145.7547% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.0951% | 2,318 |
| Noncurrent loans to loans | 1.0462% | 2,552 |
| Net loans and leases to total assets | 69.5927% | 2,385 |
| Net loans and leases to deposits | 78.9640% | 2,911 |
| Net loans and leases to core deposits | 83.1770% | 3,063 |
| Total domestic deposits to total assets | 88.1321% | 1,582 |
| Equity capital to assets | 11.7563% | 2,198 |
| Core capital (leverage) ratio | 11.9535% | 1,687 |
| Tier 1 risk-based capital ratio | 19.3227% | 1,717 |
| Total risk-based capital ratio | 20.5809% | 1,681 |
| Memoranda: | ||
| Average total assets | $29,148,670 | 6,123 |
| Average earning assets | $26,986,000 | 6,101 |
| Average equity | $3,326,670 | 6,086 |
| Average total loans | $19,980,330 | 5,848 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 3,699 |
| Cost of funding earning assets | 0.2656% | 4,847 |
| Net interest margin | 3.6150% | 2,943 |
| Noninterest income to average assets | 0.2178% | 5,395 |
| Noninterest expense to average assets | 2.7904% | 3,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3340% | 1,170 |
| Return on assets (ROA) | 1.3340% | 1,244 |
| Pretax return on assets | 0.7623% | 4,380 |
| Return on Equity (ROE) | 11.8626% | 1,386 |
| Retained earnings to average equity (ytd only) | 11.8626% | 586 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5441% | 2,110 |
| Assets per employee ($millions) | 4.1307% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 2,005 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 2,883 |
| Noncurrent loans to loans | 1.1522% | 2,464 |
| Net loans and leases to total assets | 67.9198% | 2,451 |
| Net loans and leases to deposits | 77.1185% | 2,929 |
| Net loans and leases to core deposits | 84.5197% | 2,712 |
| Total domestic deposits to total assets | 88.0719% | 1,780 |
| Equity capital to assets | 11.7724% | 2,223 |
| Core capital (leverage) ratio | 12.0553% | 1,608 |
| Tier 1 risk-based capital ratio | 19.9099% | 1,649 |
| Total risk-based capital ratio | 21.2169% | 1,598 |
| Memoranda: | ||
| Average total assets | $29,386,000 | 6,184 |
| Average earning assets | $27,109,500 | 6,159 |
| Average equity | $3,304,500 | 6,148 |
| Average total loans | $19,838,500 | 5,904 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 3,220 |
| Cost of funding earning assets | 0.3010% | 4,785 |
| Net interest margin | 3.8250% | 2,530 |
| Noninterest income to average assets | 0.2868% | 5,072 |
| Noninterest expense to average assets | 2.7879% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7765% | 3,487 |
| Return on assets (ROA) | 0.7765% | 3,579 |
| Pretax return on assets | 1.0109% | 3,449 |
| Return on Equity (ROE) | 7.1914% | 3,524 |
| Retained earnings to average equity (ytd only) | 4.3732% | 3,065 |
| Net charge-offs to loans | -0.0151% | 5,646 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3886% | 2,949 |
| Assets per employee ($millions) | 4.2653% | 3,426 |
| Cash dividends to net income (ytd only)* | 39.1892% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 1,979 |
| Loan loss allowance to noncurrent loans | 170.3704% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 3,436 |
| Noncurrent loans to loans | 0.9586% | 2,931 |
| Net loans and leases to total assets | 64.9563% | 3,056 |
| Net loans and leases to deposits | 73.4844% | 3,499 |
| Net loans and leases to core deposits | 80.2566% | 3,267 |
| Total domestic deposits to total assets | 88.3947% | 1,572 |
| Equity capital to assets | 10.7345% | 3,197 |
| Core capital (leverage) ratio | 11.2117% | 2,210 |
| Tier 1 risk-based capital ratio | 18.3081% | 2,053 |
| Total risk-based capital ratio | 19.7691% | 1,956 |
| Memoranda: | ||
| Average total assets | $28,588,200 | 6,278 |
| Average earning assets | $26,248,200 | 6,259 |
| Average equity | $3,087,000 | 6,253 |
| Average total loans | $19,874,000 | 5,964 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 2,997 |
| Cost of funding earning assets | 0.3139% | 4,739 |
| Net interest margin | 3.8846% | 2,306 |
| Noninterest income to average assets | 0.2877% | 5,144 |
| Noninterest expense to average assets | 2.8108% | 3,420 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8159% | 3,361 |
| Return on assets (ROA) | 0.8159% | 3,453 |
| Pretax return on assets | 1.0376% | 3,440 |
| Return on Equity (ROE) | 7.5441% | 3,425 |
| Retained earnings to average equity (ytd only) | 4.4043% | 3,519 |
| Net charge-offs to loans | -0.0268% | 5,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0392% | 2,986 |
| Assets per employee ($millions) | 4.0966% | 3,677 |
| Cash dividends to net income (ytd only)* | 41.6197% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 1,935 |
| Loan loss allowance to noncurrent loans | 171.8085% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 3,597 |
| Noncurrent loans to loans | 0.9953% | 3,086 |
| Net loans and leases to total assets | 64.7405% | 3,069 |
| Net loans and leases to deposits | 73.4753% | 3,501 |
| Net loans and leases to core deposits | 80.5773% | 3,245 |
| Total domestic deposits to total assets | 88.1120% | 1,706 |
| Equity capital to assets | 10.9220% | 3,041 |
| Core capital (leverage) ratio | 11.5635% | 2,011 |
| Tier 1 risk-based capital ratio | 18.7912% | 1,961 |
| Total risk-based capital ratio | 20.2603% | 1,869 |
| Memoranda: | ||
| Average total assets | $28,271,000 | 6,360 |
| Average earning assets | $25,913,500 | 6,342 |
| Average equity | $3,057,500 | 6,328 |
| Average total loans | $19,913,500 | 6,031 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 2,718 |
| Cost of funding earning assets | 0.3185% | 4,776 |
| Net interest margin | 3.9464% | 1,987 |
| Noninterest income to average assets | 0.2985% | 5,022 |
| Noninterest expense to average assets | 2.8647% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8530% | 3,058 |
| Return on assets (ROA) | 0.8530% | 3,159 |
| Pretax return on assets | 1.0449% | 3,300 |
| Return on Equity (ROE) | 7.9138% | 3,144 |
| Retained earnings to average equity (ytd only) | 5.1440% | 2,866 |
| Net charge-offs to loans | -0.0197% | 5,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2727% | 3,110 |
| Assets per employee ($millions) | 3.4961% | 4,856 |
| Cash dividends to net income (ytd only)* | 35.0000% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6081% | 2,429 |
| Loan loss allowance to noncurrent loans | 170.7447% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 3,698 |
| Noncurrent loans to loans | 0.9418% | 3,362 |
| Net loans and leases to total assets | 70.2206% | 2,042 |
| Net loans and leases to deposits | 79.8861% | 2,527 |
| Net loans and leases to core deposits | 87.4443% | 2,371 |
| Total domestic deposits to total assets | 87.9009% | 1,964 |
| Equity capital to assets | 11.0229% | 2,850 |
| Core capital (leverage) ratio | 11.5989% | 1,920 |
| Tier 1 risk-based capital ratio | 18.2580% | 2,143 |
| Total risk-based capital ratio | 19.5144% | 2,110 |
| Memoranda: | ||
| Average total assets | $28,136,000 | 6,426 |
| Average earning assets | $25,744,670 | 6,401 |
| Average equity | $3,032,670 | 6,387 |
| Average total loans | $20,255,330 | 6,068 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 2,763 |
| Cost of funding earning assets | 0.3087% | 4,980 |
| Net interest margin | 3.9211% | 2,012 |
| Noninterest income to average assets | 0.2835% | 5,104 |
| Noninterest expense to average assets | 2.7924% | 3,599 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9213% | 2,545 |
| Return on assets (ROA) | 0.9213% | 2,621 |
| Pretax return on assets | 1.0914% | 2,949 |
| Return on Equity (ROE) | 8.6451% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.6451% | 1,364 |
| Net charge-offs to loans | -0.0196% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8978% | 3,506 |
| Assets per employee ($millions) | 3.5548% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 3,015 |
| Loan loss allowance to noncurrent loans | 280.7018% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 4,451 |
| Noncurrent loans to loans | 0.5450% | 4,535 |
| Net loans and leases to total assets | 72.4313% | 1,509 |
| Net loans and leases to deposits | 82.1161% | 2,035 |
| Net loans and leases to core deposits | 91.7138% | 1,758 |
| Total domestic deposits to total assets | 88.2059% | 2,106 |
| Equity capital to assets | 10.7216% | 3,015 |
| Core capital (leverage) ratio | 11.4775% | 1,978 |
| Tier 1 risk-based capital ratio | 17.4383% | 2,493 |
| Total risk-based capital ratio | 18.6920% | 2,467 |
| Memoranda: | ||
| Average total assets | $28,219,500 | 6,488 |
| Average earning assets | $25,911,000 | 6,463 |
| Average equity | $3,007,500 | 6,445 |
| Average total loans | $20,402,500 | 6,122 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 2,671 |
| Cost of funding earning assets | 0.3924% | 4,733 |
| Net interest margin | 3.9831% | 1,999 |
| Noninterest income to average assets | 0.2409% | 5,620 |
| Noninterest expense to average assets | 2.9622% | 3,155 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7334% | 3,644 |
| Return on assets (ROA) | 0.7334% | 3,723 |
| Pretax return on assets | 0.9275% | 3,656 |
| Return on Equity (ROE) | 6.8961% | 3,620 |
| Retained earnings to average equity (ytd only) | 4.3270% | 3,099 |
| Net charge-offs to loans | -0.2949% | 6,672 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1553% | 2,749 |
| Assets per employee ($millions) | 3.5001% | 4,897 |
| Cash dividends to net income (ytd only)* | 37.2549% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 2,744 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 4,361 |
| Noncurrent loans to loans | 0.5833% | 4,523 |
| Net loans and leases to total assets | 69.8832% | 2,031 |
| Net loans and leases to deposits | 79.1522% | 2,570 |
| Net loans and leases to core deposits | 87.3571% | 2,309 |
| Total domestic deposits to total assets | 88.2897% | 2,011 |
| Equity capital to assets | 10.5925% | 3,057 |
| Core capital (leverage) ratio | 11.4889% | 1,970 |
| Tier 1 risk-based capital ratio | 17.1467% | 2,540 |
| Total risk-based capital ratio | 18.4046% | 2,513 |
| Memoranda: | ||
| Average total assets | $27,817,000 | 6,564 |
| Average earning assets | $25,482,600 | 6,539 |
| Average equity | $2,958,200 | 6,541 |
| Average total loans | $19,671,000 | 6,220 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 2,599 |
| Cost of funding earning assets | 0.4133% | 4,691 |
| Net interest margin | 3.9865% | 1,992 |
| Noninterest income to average assets | 0.0624% | 6,594 |
| Noninterest expense to average assets | 2.9718% | 3,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6385% | 4,185 |
| Return on assets (ROA) | 0.6385% | 4,298 |
| Pretax return on assets | 0.7490% | 4,492 |
| Return on Equity (ROE) | 5.9985% | 4,186 |
| Retained earnings to average equity (ytd only) | 2.7961% | 4,648 |
| Net charge-offs to loans | -0.3874% | 6,756 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8710% | 2,118 |
| Assets per employee ($millions) | 3.4083% | 5,048 |
| Cash dividends to net income (ytd only)* | 53.3807% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 2,885 |
| Loan loss allowance to noncurrent loans | 271.7949% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.6822% | 4,409 |
| Noncurrent loans to loans | 0.5998% | 4,697 |
| Net loans and leases to total assets | 70.3770% | 1,897 |
| Net loans and leases to deposits | 79.7482% | 2,442 |
| Net loans and leases to core deposits | 85.7992% | 2,433 |
| Total domestic deposits to total assets | 88.2491% | 1,969 |
| Equity capital to assets | 10.6580% | 3,109 |
| Core capital (leverage) ratio | 10.8810% | 2,588 |
| Tier 1 risk-based capital ratio | 16.4805% | 2,942 |
| Total risk-based capital ratio | 17.7343% | 2,911 |
| Memoranda: | ||
| Average total assets | $27,771,000 | 6,646 |
| Average earning assets | $25,485,000 | 6,616 |
| Average equity | $2,956,250 | 6,615 |
| Average total loans | $19,617,000 | 6,291 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4088% | 2,528 |
| Cost of funding earning assets | 0.4214% | 4,742 |
| Net interest margin | 3.9874% | 1,907 |
| Noninterest income to average assets | 0.3364% | 4,992 |
| Noninterest expense to average assets | 2.8777% | 3,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8876% | 2,862 |
| Return on assets (ROA) | 0.8876% | 3,018 |
| Pretax return on assets | 1.1167% | 3,028 |
| Return on Equity (ROE) | 8.3417% | 2,923 |
| Retained earnings to average equity (ytd only) | 6.5254% | 2,126 |
| Net charge-offs to loans | -0.5699% | 6,834 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0430% | 3,461 |
| Assets per employee ($millions) | 3.5164% | 4,817 |
| Cash dividends to net income (ytd only)* | 21.7742% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 3,186 |
| Loan loss allowance to noncurrent loans | 234.8148% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 3,979 |
| Noncurrent loans to loans | 0.6774% | 4,584 |
| Net loans and leases to total assets | 69.7202% | 1,930 |
| Net loans and leases to deposits | 79.0050% | 2,456 |
| Net loans and leases to core deposits | 84.7983% | 2,451 |
| Total domestic deposits to total assets | 88.2478% | 2,078 |
| Equity capital to assets | 10.4760% | 3,338 |
| Core capital (leverage) ratio | 10.7730% | 2,596 |
| Tier 1 risk-based capital ratio | 16.2986% | 3,037 |
| Total risk-based capital ratio | 17.5552% | 2,991 |
| Memoranda: | ||
| Average total assets | $27,939,330 | 6,694 |
| Average earning assets | $25,630,670 | 6,666 |
| Average equity | $2,973,000 | 6,660 |
| Average total loans | $19,653,670 | 6,321 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 1,904 |
| Cost of funding earning assets | 0.4405% | 4,698 |
| Net interest margin | 4.1372% | 1,354 |
| Noninterest income to average assets | 0.3448% | 4,932 |
| Noninterest expense to average assets | 2.9594% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9769% | 2,332 |
| Return on assets (ROA) | 0.9769% | 2,461 |
| Pretax return on assets | 1.1636% | 2,711 |
| Return on Equity (ROE) | 9.1092% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.1092% | 1,351 |
| Net charge-offs to loans | -1.1273% | 6,936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7770% | 3,656 |
| Assets per employee ($millions) | 3.4535% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 3,170 |
| Loan loss allowance to noncurrent loans | 287.2727% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.8325% | 4,298 |
| Noncurrent loans to loans | 0.5772% | 4,998 |
| Net loans and leases to total assets | 67.8297% | 2,045 |
| Net loans and leases to deposits | 77.2624% | 2,455 |
| Net loans and leases to core deposits | 83.8104% | 2,341 |
| Total domestic deposits to total assets | 87.7914% | 2,465 |
| Equity capital to assets | 10.9237% | 3,049 |
| Core capital (leverage) ratio | 11.0860% | 2,191 |
| Tier 1 risk-based capital ratio | 17.1890% | 2,680 |
| Total risk-based capital ratio | 18.4470% | 2,646 |
| Memoranda: | ||
| Average total assets | $27,843,500 | 6,762 |
| Average earning assets | $25,428,000 | 6,734 |
| Average equity | $2,986,000 | 6,725 |
| Average total loans | $19,515,500 | 6,385 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 1,822 |
| Cost of funding earning assets | 0.6107% | 4,242 |
| Net interest margin | 4.2950% | 1,409 |
| Noninterest income to average assets | 0.2600% | 5,604 |
| Noninterest expense to average assets | 3.2283% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7541% | 3,491 |
| Return on assets (ROA) | 0.7541% | 3,736 |
| Pretax return on assets | 0.9770% | 3,634 |
| Return on Equity (ROE) | 7.0599% | 3,609 |
| Retained earnings to average equity (ytd only) | 4.6254% | 2,970 |
| Net charge-offs to loans | 0.2830% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 4.6140% | 3,305 |
| Efficiency ratio | 76.7668% | 2,631 |
| Assets per employee ($millions) | 3.1177% | 5,811 |
| Cash dividends to net income (ytd only)* | 34.4828% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 4,597 |
| Loan loss allowance to noncurrent loans | 112.9870% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.2509% | 3,559 |
| Noncurrent loans to loans | 1.1564% | 3,920 |
| Net loans and leases to total assets | 70.2591% | 1,792 |
| Net loans and leases to deposits | 79.6075% | 2,344 |
| Net loans and leases to core deposits | 86.1927% | 2,295 |
| Total domestic deposits to total assets | 88.2569% | 2,060 |
| Equity capital to assets | 10.5278% | 3,495 |
| Core capital (leverage) ratio | 10.8645% | 2,374 |
| Tier 1 risk-based capital ratio | 16.1922% | 3,049 |
| Total risk-based capital ratio | 17.4414% | 3,008 |
| Memoranda: | ||
| Average total assets | $26,918,600 | 6,823 |
| Average earning assets | $24,726,200 | 6,797 |
| Average equity | $2,875,400 | 6,812 |
| Average total loans | $20,141,000 | 6,420 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 1,790 |
| Cost of funding earning assets | 0.6525% | 4,172 |
| Net interest margin | 4.3120% | 1,435 |
| Noninterest income to average assets | 0.2553% | 5,739 |
| Noninterest expense to average assets | 3.3040% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7409% | 3,734 |
| Return on assets (ROA) | 0.7409% | 3,983 |
| Pretax return on assets | 0.9211% | 4,023 |
| Return on Equity (ROE) | 6.9099% | 3,862 |
| Retained earnings to average equity (ytd only) | 3.9219% | 4,124 |
| Net charge-offs to loans | 0.1123% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 10.8218% | 2,143 |
| Efficiency ratio | 78.1991% | 2,372 |
| Assets per employee ($millions) | 3.0469% | 5,969 |
| Cash dividends to net income (ytd only)* | 43.2423% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 4,047 |
| Loan loss allowance to noncurrent loans | 77.1795% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.8598% | 2,845 |
| Noncurrent loans to loans | 1.9122% | 2,947 |
| Net loans and leases to total assets | 73.2769% | 1,352 |
| Net loans and leases to deposits | 83.0674% | 1,993 |
| Net loans and leases to core deposits | 91.9718% | 1,782 |
| Total domestic deposits to total assets | 88.2138% | 1,906 |
| Equity capital to assets | 10.5791% | 3,756 |
| Core capital (leverage) ratio | 11.1144% | 2,287 |
| Tier 1 risk-based capital ratio | 15.5991% | 3,477 |
| Total risk-based capital ratio | 16.8539% | 3,439 |
| Memoranda: | ||
| Average total assets | $26,633,500 | 6,916 |
| Average earning assets | $24,520,000 | 6,887 |
| Average equity | $2,855,750 | 6,900 |
| Average total loans | $20,182,500 | 6,505 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 1,612 |
| Cost of funding earning assets | 0.6963% | 4,043 |
| Net interest margin | 4.3685% | 1,286 |
| Noninterest income to average assets | 0.2503% | 5,790 |
| Noninterest expense to average assets | 3.3446% | 2,170 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7508% | 3,598 |
| Return on assets (ROA) | 0.7508% | 3,874 |
| Pretax return on assets | 0.9025% | 4,070 |
| Return on Equity (ROE) | 6.9702% | 3,797 |
| Retained earnings to average equity (ytd only) | 5.3509% | 3,070 |
| Net charge-offs to loans | 0.1989% | 3,391 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.9500% | 2,725 |
| Efficiency ratio | 78.7500% | 2,358 |
| Assets per employee ($millions) | 2.9200% | 6,204 |
| Cash dividends to net income (ytd only)* | 23.2323% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 3,957 |
| Loan loss allowance to noncurrent loans | 106.8100% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 1.5183% | 3,429 |
| Noncurrent loans to loans | 1.4166% | 3,786 |
| Net loans and leases to total assets | 73.8090% | 1,283 |
| Net loans and leases to deposits | 84.2762% | 1,818 |
| Net loans and leases to core deposits | 90.0803% | 1,974 |
| Total domestic deposits to total assets | 87.5799% | 2,413 |
| Equity capital to assets | 10.9665% | 3,154 |
| Core capital (leverage) ratio | 11.1571% | 2,158 |
| Tier 1 risk-based capital ratio | 15.7942% | 3,280 |
| Total risk-based capital ratio | 17.0469% | 3,249 |
| Memoranda: | ||
| Average total assets | $26,370,670 | 6,976 |
| Average earning assets | $24,127,330 | 6,956 |
| Average equity | $2,840,670 | 6,944 |
| Average total loans | $20,111,670 | 6,557 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0908% | 1,602 |
| Cost of funding earning assets | 0.7107% | 4,192 |
| Net interest margin | 4.3801% | 1,274 |
| Noninterest income to average assets | 0.3634% | 4,967 |
| Noninterest expense to average assets | 3.6342% | 1,493 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6208% | 4,254 |
| Return on assets (ROA) | 0.6208% | 4,463 |
| Pretax return on assets | 0.7420% | 4,641 |
| Return on Equity (ROE) | 5.8156% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.8156% | 3,064 |
| Net charge-offs to loans | -0.0197% | 6,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0450% | 1,795 |
| Assets per employee ($millions) | 2.9137% | 6,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 3,907 |
| Loan loss allowance to noncurrent loans | 184.3931% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 4,189 |
| Noncurrent loans to loans | 0.8443% | 4,988 |
| Net loans and leases to total assets | 76.9210% | 704 |
| Net loans and leases to deposits | 87.6162% | 1,220 |
| Net loans and leases to core deposits | 93.6487% | 1,495 |
| Total domestic deposits to total assets | 87.7932% | 2,467 |
| Equity capital to assets | 10.8149% | 3,122 |
| Core capital (leverage) ratio | 11.0943% | 2,190 |
| Tier 1 risk-based capital ratio | 15.1299% | 3,672 |
| Total risk-based capital ratio | 16.3851% | 3,630 |
| Memoranda: | ||
| Average total assets | $26,416,000 | 7,039 |
| Average earning assets | $24,200,500 | 7,011 |
| Average equity | $2,820,000 | 6,999 |
| Average total loans | $20,320,000 | 6,599 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4126% | 1,385 |
| Cost of funding earning assets | 0.8566% | 4,427 |
| Net interest margin | 4.5560% | 1,013 |
| Noninterest income to average assets | 0.3392% | 5,104 |
| Noninterest expense to average assets | 3.2416% | 2,719 |
| Loan and lease loss provision to assets | 0.1658% | 4,563 |
| Net operating income to assets | 0.8029% | 3,027 |
| Return on assets (ROA) | 0.8029% | 3,191 |
| Pretax return on assets | 1.0818% | 2,905 |
| Return on Equity (ROE) | 7.8755% | 2,974 |
| Retained earnings to average equity (ytd only) | 5.8419% | 2,108 |
| Net charge-offs to loans | 0.1986% | 4,551 |
| Credit loss provision to net charge-offs | 107.3171% | 3,150 |
| Earnings coverage of net charge-offs (x) | 8.0732% | 2,221 |
| Efficiency ratio | 72.2082% | 3,531 |
| Assets per employee ($millions) | 2.9566% | 6,181 |
| Cash dividends to net income (ytd only)* | 25.8216% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 3,664 |
| Loan loss allowance to noncurrent loans | 271.7949% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9320% | 4,741 |
| Noncurrent loans to loans | 0.5806% | 5,548 |
| Net loans and leases to total assets | 74.5312% | 1,168 |
| Net loans and leases to deposits | 84.6003% | 1,848 |
| Net loans and leases to core deposits | 90.9016% | 2,002 |
| Total domestic deposits to total assets | 88.0980% | 2,092 |
| Equity capital to assets | 10.5378% | 3,490 |
| Core capital (leverage) ratio | 10.8416% | 2,400 |
| Tier 1 risk-based capital ratio | 15.2727% | 3,468 |
| Total risk-based capital ratio | 16.5265% | 3,425 |
| Memoranda: | ||
| Average total assets | $26,530,200 | 7,060 |
| Average earning assets | $24,166,000 | 7,036 |
| Average equity | $2,704,600 | 7,074 |
| Average total loans | $20,642,200 | 6,627 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4661% | 1,351 |
| Cost of funding earning assets | 0.8880% | 4,485 |
| Net interest margin | 4.5780% | 988 |
| Noninterest income to average assets | 0.2867% | 5,559 |
| Noninterest expense to average assets | 3.2540% | 2,651 |
| Loan and lease loss provision to assets | 0.0503% | 5,815 |
| Net operating income to assets | 0.8651% | 2,885 |
| Return on assets (ROA) | 0.8651% | 3,033 |
| Pretax return on assets | 1.1567% | 2,799 |
| Return on Equity (ROE) | 8.5579% | 2,798 |
| Retained earnings to average equity (ytd only) | 6.3189% | 2,356 |
| Net charge-offs to loans | 0.1412% | 4,654 |
| Credit loss provision to net charge-offs | 45.4545% | 5,131 |
| Earnings coverage of net charge-offs (x) | 10.9100% | 1,866 |
| Efficiency ratio | 72.9425% | 3,375 |
| Assets per employee ($millions) | 2.6709% | 6,694 |
| Cash dividends to net income (ytd only)* | 26.1632% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 4,557 |
| Loan loss allowance to noncurrent loans | 102.3649% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.5987% | 3,687 |
| Noncurrent loans to loans | 1.3692% | 4,241 |
| Net loans and leases to total assets | 79.8083% | 534 |
| Net loans and leases to deposits | 90.3795% | 1,170 |
| Net loans and leases to core deposits | 98.8454% | 1,353 |
| Total domestic deposits to total assets | 88.3036% | 1,872 |
| Equity capital to assets | 10.3411% | 3,908 |
| Core capital (leverage) ratio | 10.6319% | 2,724 |
| Tier 1 risk-based capital ratio | 14.3951% | 4,056 |
| Total risk-based capital ratio | 15.6497% | 4,018 |
| Memoranda: | ||
| Average total assets | $26,510,500 | 7,133 |
| Average earning assets | $24,172,750 | 7,106 |
| Average equity | $2,679,750 | 7,145 |
| Average total loans | $20,765,250 | 6,685 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4659% | 1,374 |
| Cost of funding earning assets | 0.9138% | 4,558 |
| Net interest margin | 4.5522% | 1,006 |
| Noninterest income to average assets | 0.2874% | 5,584 |
| Noninterest expense to average assets | 3.2370% | 2,783 |
| Loan and lease loss provision to assets | 0.0832% | 5,271 |
| Net operating income to assets | 0.8698% | 2,768 |
| Return on assets (ROA) | 0.8698% | 2,863 |
| Pretax return on assets | 1.1118% | 2,805 |
| Return on Equity (ROE) | 8.6716% | 2,647 |
| Retained earnings to average equity (ytd only) | 7.9176% | 1,487 |
| Net charge-offs to loans | 0.2246% | 3,775 |
| Credit loss provision to net charge-offs | 47.8261% | 4,638 |
| Earnings coverage of net charge-offs (x) | 6.8696% | 2,321 |
| Efficiency ratio | 73.0375% | 3,537 |
| Assets per employee ($millions) | 2.3595% | 7,061 |
| Cash dividends to net income (ytd only)* | 8.6957% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 4,180 |
| Loan loss allowance to noncurrent loans | 73.7226% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 2.0883% | 3,131 |
| Noncurrent loans to loans | 2.0206% | 3,450 |
| Net loans and leases to total assets | 77.2020% | 885 |
| Net loans and leases to deposits | 87.5131% | 1,572 |
| Net loans and leases to core deposits | 95.0296% | 1,789 |
| Total domestic deposits to total assets | 88.2176% | 2,003 |
| Equity capital to assets | 10.4724% | 3,544 |
| Core capital (leverage) ratio | 10.7236% | 2,497 |
| Tier 1 risk-based capital ratio | 14.4253% | 3,847 |
| Total risk-based capital ratio | 15.6770% | 3,818 |
| Memoranda: | ||
| Average total assets | $26,444,330 | 7,199 |
| Average earning assets | $24,076,330 | 7,174 |
| Average equity | $2,652,330 | 7,212 |
| Average total loans | $20,480,670 | 6,762 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5660% | 1,137 |
| Cost of funding earning assets | 0.9386% | 4,659 |
| Net interest margin | 4.6273% | 818 |
| Noninterest income to average assets | 0.2848% | 5,637 |
| Noninterest expense to average assets | 3.0424% | 3,476 |
| Loan and lease loss provision to assets | 0.0899% | 4,890 |
| Net operating income to assets | 1.2889% | 1,299 |
| Return on assets (ROA) | 1.2889% | 1,342 |
| Pretax return on assets | 1.3638% | 1,832 |
| Return on Equity (ROE) | 13.1323% | 1,163 |
| Retained earnings to average equity (ytd only) | 11.6053% | 797 |
| Net charge-offs to loans | -0.0195% | 6,561 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6667% | 4,722 |
| Assets per employee ($millions) | 2.9054% | 6,333 |
| Cash dividends to net income (ytd only)* | 11.6279% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 3,883 |
| Loan loss allowance to noncurrent loans | 72.1973% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 2.2066% | 3,055 |
| Noncurrent loans to loans | 2.1710% | 3,356 |
| Net loans and leases to total assets | 77.3337% | 822 |
| Net loans and leases to deposits | 88.5958% | 1,398 |
| Net loans and leases to core deposits | 98.4231% | 1,481 |
| Total domestic deposits to total assets | 87.2882% | 2,772 |
| Equity capital to assets | 10.1725% | 3,567 |
| Core capital (leverage) ratio | 10.1650% | 2,958 |
| Tier 1 risk-based capital ratio | 14.2234% | 3,918 |
| Total risk-based capital ratio | 15.4792% | 3,892 |
| Memoranda: | ||
| Average total assets | $26,689,500 | 7,241 |
| Average earning assets | $24,290,500 | 7,219 |
| Average equity | $2,619,500 | 7,266 |
| Average total loans | $20,551,000 | 6,807 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7259% | 1,483 |
| Cost of funding earning assets | 1.1696% | 4,734 |
| Net interest margin | 4.5564% | 1,118 |
| Noninterest income to average assets | 0.1355% | 6,716 |
| Noninterest expense to average assets | 3.2553% | 2,895 |
| Loan and lease loss provision to assets | 0.1806% | 5,411 |
| Net operating income to assets | 0.6247% | 3,563 |
| Return on assets (ROA) | 0.6247% | 3,726 |
| Pretax return on assets | 0.7752% | 3,711 |
| Return on Equity (ROE) | 6.3339% | 3,430 |
| Retained earnings to average equity (ytd only) | 4.7314% | 2,590 |
| Net charge-offs to loans | 0.5352% | 3,474 |
| Credit loss provision to net charge-offs | 44.8598% | 6,329 |
| Earnings coverage of net charge-offs (x) | 2.3738% | 3,953 |
| Efficiency ratio | 77.3012% | 2,827 |
| Assets per employee ($millions) | 3.4038% | 5,161 |
| Cash dividends to net income (ytd only)* | 25.3012% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 3,850 |
| Loan loss allowance to noncurrent loans | 83.7766% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.8619% | 3,538 |
| Noncurrent loans to loans | 1.8290% | 3,780 |
| Net loans and leases to total assets | 74.3408% | 1,589 |
| Net loans and leases to deposits | 83.1984% | 2,591 |
| Net loans and leases to core deposits | 88.9216% | 2,916 |
| Total domestic deposits to total assets | 89.3537% | 1,463 |
| Equity capital to assets | 9.4712% | 4,440 |
| Core capital (leverage) ratio | 9.6482% | 3,486 |
| Tier 1 risk-based capital ratio | 13.4584% | 4,239 |
| Total risk-based capital ratio | 14.7122% | 4,207 |
| Memoranda: | ||
| Average total assets | $26,572,400 | 7,302 |
| Average earning assets | $23,769,000 | 7,293 |
| Average equity | $2,620,800 | 7,370 |
| Average total loans | $19,993,800 | 6,923 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7529% | 1,540 |
| Cost of funding earning assets | 1.1980% | 4,873 |
| Net interest margin | 4.5548% | 1,143 |
| Noninterest income to average assets | 0.2676% | 5,980 |
| Noninterest expense to average assets | 3.2464% | 2,755 |
| Loan and lease loss provision to assets | 0.0454% | 6,638 |
| Net operating income to assets | 0.9239% | 2,522 |
| Return on assets (ROA) | 0.9239% | 2,656 |
| Pretax return on assets | 1.0451% | 3,016 |
| Return on Equity (ROE) | 9.2728% | 2,395 |
| Retained earnings to average equity (ytd only) | 7.6515% | 1,536 |
| Net charge-offs to loans | 0.7253% | 2,610 |
| Credit loss provision to net charge-offs | 8.3333% | 6,345 |
| Earnings coverage of net charge-offs (x) | 1.9999% | 4,217 |
| Efficiency ratio | 74.8545% | 3,169 |
| Assets per employee ($millions) | 3.3866% | 5,236 |
| Cash dividends to net income (ytd only)* | 17.4884% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 4,709 |
| Loan loss allowance to noncurrent loans | 376.7123% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 5,223 |
| Noncurrent loans to loans | 0.3584% | 6,479 |
| Net loans and leases to total assets | 74.1631% | 1,770 |
| Net loans and leases to deposits | 84.8773% | 2,542 |
| Net loans and leases to core deposits | 90.6806% | 3,000 |
| Total domestic deposits to total assets | 87.3768% | 2,331 |
| Equity capital to assets | 9.7221% | 4,513 |
| Core capital (leverage) ratio | 10.2738% | 2,949 |
| Tier 1 risk-based capital ratio | 13.6425% | 4,088 |
| Total risk-based capital ratio | 14.8921% | 4,041 |
| Memoranda: | ||
| Average total assets | $26,408,000 | 7,397 |
| Average earning assets | $23,593,500 | 7,392 |
| Average equity | $2,631,250 | 7,463 |
| Average total loans | $19,852,750 | 7,021 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7404% | 1,592 |
| Cost of funding earning assets | 1.2313% | 4,952 |
| Net interest margin | 4.5091% | 1,186 |
| Noninterest income to average assets | 0.2597% | 6,061 |
| Noninterest expense to average assets | 3.1857% | 2,959 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1306% | 1,754 |
| Return on assets (ROA) | 1.1306% | 1,821 |
| Pretax return on assets | 1.1306% | 2,668 |
| Return on Equity (ROE) | 11.2533% | 1,666 |
| Retained earnings to average equity (ytd only) | 11.2533% | 604 |
| Net charge-offs to loans | 0.4573% | 3,166 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 3.2889% | 3,385 |
| Efficiency ratio | 73.8053% | 3,507 |
| Assets per employee ($millions) | 2.8520% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 3,275 |
| Loan loss allowance to noncurrent loans | 84.1432% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 2.2285% | 3,225 |
| Noncurrent loans to loans | 1.9540% | 3,782 |
| Net loans and leases to total assets | 76.6752% | 1,350 |
| Net loans and leases to deposits | 86.4605% | 2,435 |
| Net loans and leases to core deposits | 93.6878% | 2,769 |
| Total domestic deposits to total assets | 88.6824% | 1,614 |
| Equity capital to assets | 10.1917% | 3,779 |
| Core capital (leverage) ratio | 9.9219% | 3,257 |
| Tier 1 risk-based capital ratio | 13.7080% | 3,936 |
| Total risk-based capital ratio | 14.9652% | 3,889 |
| Memoranda: | ||
| Average total assets | $26,179,670 | 7,463 |
| Average earning assets | $23,552,330 | 7,450 |
| Average equity | $2,630,330 | 7,518 |
| Average total loans | $19,681,000 | 7,086 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6741% | 1,873 |
| Cost of funding earning assets | 1.2665% | 5,030 |
| Net interest margin | 4.4076% | 1,370 |
| Noninterest income to average assets | 0.2572% | 6,092 |
| Noninterest expense to average assets | 3.1927% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0138% | 2,132 |
| Return on assets (ROA) | 1.0138% | 2,198 |
| Pretax return on assets | 1.0138% | 3,041 |
| Return on Equity (ROE) | 10.1611% | 2,043 |
| Retained earnings to average equity (ytd only) | 10.1611% | 1,102 |
| Net charge-offs to loans | 0.3279% | 3,093 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 4.1875% | 2,681 |
| Efficiency ratio | 75.8993% | 3,235 |
| Assets per employee ($millions) | 2.8896% | 6,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 2,568 |
| Loan loss allowance to noncurrent loans | 121.3559% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 1.8303% | 3,731 |
| Noncurrent loans to loans | 1.5271% | 4,458 |
| Net loans and leases to total assets | 72.9063% | 2,229 |
| Net loans and leases to deposits | 82.2381% | 3,245 |
| Net loans and leases to core deposits | 87.7615% | 3,648 |
| Total domestic deposits to total assets | 88.6526% | 1,701 |
| Equity capital to assets | 10.2861% | 3,491 |
| Core capital (leverage) ratio | 9.6986% | 3,520 |
| Tier 1 risk-based capital ratio | 13.9564% | 3,685 |
| Total risk-based capital ratio | 15.2139% | 3,641 |
| Memoranda: | ||
| Average total assets | $26,435,500 | 7,546 |
| Average earning assets | $23,686,500 | 7,543 |
| Average equity | $2,637,500 | 7,598 |
| Average total loans | $19,516,500 | 7,183 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5533% | 3,851 |
| Cost of funding earning assets | 1.8458% | 3,760 |
| Net interest margin | 3.7075% | 4,103 |
| Noninterest income to average assets | 0.2086% | 6,611 |
| Noninterest expense to average assets | 3.1294% | 3,616 |
| Loan and lease loss provision to assets | 2.0716% | 1,027 |
| Net operating income to assets | -1.4998% | 6,854 |
| Return on assets (ROA) | -1.3725% | 6,803 |
| Pretax return on assets | -1.4531% | 6,673 |
| Return on Equity (ROE) | -12.7733% | 6,817 |
| Retained earnings to average equity (ytd only) | -13.0118% | 6,758 |
| Net charge-offs to loans | 1.9293% | 1,285 |
| Credit loss provision to net charge-offs | 149.7354% | 3,109 |
| Earnings coverage of net charge-offs (x) | 0.3492% | 5,764 |
| Efficiency ratio | 86.6261% | 2,042 |
| Assets per employee ($millions) | 2.6865% | 6,876 |
| Cash dividends to net income (ytd only)* | -1.8667% | 7,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8970% | 2,267 |
| Loan loss allowance to noncurrent loans | 123.4323% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 1.8016% | 3,663 |
| Noncurrent loans to loans | 1.5369% | 4,347 |
| Net loans and leases to total assets | 71.9933% | 2,751 |
| Net loans and leases to deposits | 80.6009% | 3,870 |
| Net loans and leases to core deposits | 94.9811% | 4,569 |
| Total domestic deposits to total assets | 89.3207% | 1,317 |
| Equity capital to assets | 9.6780% | 4,168 |
| Core capital (leverage) ratio | 9.5724% | 3,635 |
| Tier 1 risk-based capital ratio | 13.6140% | 3,745 |
| Total risk-based capital ratio | 14.8731% | 3,680 |
| Memoranda: | ||
| Average total assets | $27,321,800 | 7,571 |
| Average earning assets | $25,084,400 | 7,538 |
| Average equity | $2,935,800 | 7,608 |
| Average total loans | $19,592,800 | 7,219 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4182% | 4,860 |
| Cost of funding earning assets | 1.9339% | 3,694 |
| Net interest margin | 3.4842% | 4,930 |
| Noninterest income to average assets | 0.2624% | 6,355 |
| Noninterest expense to average assets | 3.1782% | 3,371 |
| Loan and lease loss provision to assets | 0.4422% | 3,698 |
| Net operating income to assets | -0.0292% | 5,760 |
| Return on assets (ROA) | 0.1458% | 5,400 |
| Pretax return on assets | 0.0389% | 5,633 |
| Return on Equity (ROE) | 1.3246% | 5,401 |
| Retained earnings to average equity (ytd only) | 1.0156% | 4,744 |
| Net charge-offs to loans | 1.0292% | 1,918 |
| Credit loss provision to net charge-offs | 60.2649% | 6,168 |
| Earnings coverage of net charge-offs (x) | 0.4172% | 5,615 |
| Efficiency ratio | 91.2134% | 1,598 |
| Assets per employee ($millions) | 2.6352% | 6,973 |
| Cash dividends to net income (ytd only)* | 23.3250% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6445% | 7,500 |
| Loan loss allowance to noncurrent loans | 16.6446% | 7,261 |
| Noncurrent assets plus other real estate owned to assets | 3.1003% | 2,213 |
| Noncurrent loans to loans | 3.8723% | 1,912 |
| Net loans and leases to total assets | 73.7060% | 2,622 |
| Net loans and leases to deposits | 85.0506% | 3,489 |
| Net loans and leases to core deposits | 103.1602% | 4,043 |
| Total domestic deposits to total assets | 86.6614% | 2,349 |
| Equity capital to assets | 11.5020% | 2,583 |
| Core capital (leverage) ratio | 11.1946% | 2,266 |
| Tier 1 risk-based capital ratio | 15.9998% | 2,629 |
| Total risk-based capital ratio | 16.6640% | 2,804 |
| Memoranda: | ||
| Average total assets | $27,436,000 | 7,640 |
| Average earning assets | $25,370,750 | 7,594 |
| Average equity | $3,019,750 | 7,655 |
| Average total loans | $19,562,250 | 7,284 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2728% | 5,781 |
| Cost of funding earning assets | 2.0124% | 3,714 |
| Net interest margin | 3.2604% | 5,697 |
| Noninterest income to average assets | 0.2734% | 6,314 |
| Noninterest expense to average assets | 3.2377% | 3,201 |
| Loan and lease loss provision to assets | 0.3310% | 3,950 |
| Net operating income to assets | -0.0291% | 5,896 |
| Return on assets (ROA) | 0.1367% | 5,557 |
| Pretax return on assets | -0.0288% | 5,904 |
| Return on Equity (ROE) | 1.2599% | 5,551 |
| Retained earnings to average equity (ytd only) | 0.7958% | 4,870 |
| Net charge-offs to loans | 0.0613% | 5,640 |
| Credit loss provision to net charge-offs | 766.6667% | 612 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,784 |
| Efficiency ratio | 98.6842% | 1,239 |
| Assets per employee ($millions) | 2.6597% | 6,930 |
| Cash dividends to net income (ytd only)* | 36.8421% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 5,091 |
| Loan loss allowance to noncurrent loans | 28.0745% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 5.1322% | 1,014 |
| Noncurrent loans to loans | 4.1953% | 1,578 |
| Net loans and leases to total assets | 71.2938% | 3,403 |
| Net loans and leases to deposits | 81.2669% | 4,345 |
| Net loans and leases to core deposits | 96.6758% | 4,827 |
| Total domestic deposits to total assets | 87.7279% | 1,913 |
| Equity capital to assets | 11.2419% | 2,724 |
| Core capital (leverage) ratio | 10.7001% | 2,666 |
| Tier 1 risk-based capital ratio | 15.6838% | 2,737 |
| Total risk-based capital ratio | 16.8653% | 2,694 |
| Memoranda: | ||
| Average total assets | $27,797,330 | 7,686 |
| Average earning assets | $25,641,000 | 7,655 |
| Average equity | $3,016,000 | 7,726 |
| Average total loans | $19,566,670 | 7,353 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2900% | 5,937 |
| Cost of funding earning assets | 2.0707% | 3,792 |
| Net interest margin | 3.2193% | 5,797 |
| Noninterest income to average assets | 0.3240% | 5,863 |
| Noninterest expense to average assets | 3.0143% | 3,701 |
| Loan and lease loss provision to assets | 0.2254% | 4,200 |
| Net operating income to assets | 0.4367% | 4,714 |
| Return on assets (ROA) | 0.6339% | 4,050 |
| Pretax return on assets | 0.2817% | 5,725 |
| Return on Equity (ROE) | 5.9426% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.9426% | 2,658 |
| Net charge-offs to loans | 0.1215% | 4,004 |
| Credit loss provision to net charge-offs | 266.6667% | 1,779 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 3,104 |
| Efficiency ratio | 90.6780% | 1,676 |
| Assets per employee ($millions) | 2.7912% | 6,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 6,194 |
| Loan loss allowance to noncurrent loans | 29.3853% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 2.6655% | 2,150 |
| Noncurrent loans to loans | 3.3987% | 1,884 |
| Net loans and leases to total assets | 69.6081% | 3,776 |
| Net loans and leases to deposits | 78.8867% | 4,788 |
| Net loans and leases to core deposits | 100.0463% | 4,531 |
| Total domestic deposits to total assets | 88.2380% | 1,622 |
| Equity capital to assets | 10.9093% | 3,058 |
| Core capital (leverage) ratio | 10.5836% | 2,835 |
| Tier 1 risk-based capital ratio | 14.9495% | 3,092 |
| Total risk-based capital ratio | 15.9153% | 3,150 |
| Memoranda: | ||
| Average total assets | $28,397,500 | 7,714 |
| Average earning assets | $26,465,000 | 7,660 |
| Average equity | $3,029,000 | 7,770 |
| Average total loans | $19,756,000 | 7,383 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9674% | 5,713 |
| Cost of funding earning assets | 2.6505% | 3,426 |
| Net interest margin | 3.3168% | 5,976 |
| Noninterest income to average assets | 0.3122% | 6,219 |
| Noninterest expense to average assets | 2.7586% | 5,012 |
| Loan and lease loss provision to assets | 0.1866% | 5,025 |
| Net operating income to assets | 0.3766% | 5,245 |
| Return on assets (ROA) | 0.3766% | 5,057 |
| Pretax return on assets | 0.4072% | 5,241 |
| Return on Equity (ROE) | 3.6963% | 4,950 |
| Retained earnings to average equity (ytd only) | 1.1655% | 4,531 |
| Net charge-offs to loans | 0.2159% | 4,052 |
| Credit loss provision to net charge-offs | 127.9070% | 4,168 |
| Earnings coverage of net charge-offs (x) | 4.0698% | 4,117 |
| Efficiency ratio | 82.2874% | 2,269 |
| Assets per employee ($millions) | 3.2092% | 5,458 |
| Cash dividends to net income (ytd only)* | 68.4685% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 6,474 |
| Loan loss allowance to noncurrent loans | 26.9956% | 6,894 |
| Noncurrent assets plus other real estate owned to assets | 2.6729% | 1,780 |
| Noncurrent loans to loans | 3.4646% | 1,469 |
| Net loans and leases to total assets | 68.2097% | 4,423 |
| Net loans and leases to deposits | 77.0564% | 5,464 |
| Net loans and leases to core deposits | 97.6651% | 5,077 |
| Total domestic deposits to total assets | 88.5192% | 1,239 |
| Equity capital to assets | 10.4317% | 3,581 |
| Core capital (leverage) ratio | 10.4328% | 3,035 |
| Tier 1 risk-based capital ratio | 14.0732% | 3,516 |
| Total risk-based capital ratio | 14.9489% | 3,618 |
| Memoranda: | ||
| Average total assets | $29,471,000 | 7,669 |
| Average earning assets | $27,013,600 | 7,663 |
| Average equity | $3,003,000 | 7,838 |
| Average total loans | $19,916,600 | 7,338 |