Home > Farmers and Traders Savings Bank > Performance and Condition Ratios
Farmers and Traders Savings Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 3,581 |
| Cost of funding earning assets | 0.9228% | 2,037 |
| Net interest margin | 3.3981% | 3,902 |
| Noninterest income to average assets | 0.0877% | 5,084 |
| Noninterest expense to average assets | 2.8267% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2534% | 4,934 |
| Return on assets (ROA) | 0.2534% | 4,948 |
| Pretax return on assets | 0.3119% | 4,921 |
| Return on Equity (ROE) | 2.3490% | 4,899 |
| Retained earnings to average equity (ytd only) | 2.3490% | 4,005 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0621% | 351 |
| Assets per employee ($millions) | 3.3325% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7162% | 4,677 |
| Loan loss allowance to noncurrent loans | 21.2425% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 3.0758% | 188 |
| Noncurrent loans to loans | 3.3716% | 262 |
| Net loans and leases to total assets | 73.4884% | 1,967 |
| Net loans and leases to deposits | 82.9982% | 2,612 |
| Net loans and leases to core deposits | 86.5575% | 2,922 |
| Total domestic deposits to total assets | 88.5421% | 863 |
| Equity capital to assets | 11.1178% | 2,933 |
| Core capital (leverage) ratio | 10.8291% | 2,762 |
| Tier 1 risk-based capital ratio | 26.0885% | 682 |
| Total risk-based capital ratio | 27.3325% | 671 |
| Memoranda: | ||
| Average total assets | $20,518,670 | 5,239 |
| Average earning assets | $18,422,000 | 5,228 |
| Average equity | $2,213,670 | 5,238 |
| Average total loans | $15,028,670 | 5,086 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 3,521 |
| Cost of funding earning assets | 0.8753% | 2,124 |
| Net interest margin | 3.4372% | 3,787 |
| Noninterest income to average assets | 0.1155% | 5,026 |
| Noninterest expense to average assets | 2.7141% | 2,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4427% | 4,650 |
| Return on assets (ROA) | 0.4427% | 4,669 |
| Pretax return on assets | 0.5005% | 4,681 |
| Return on Equity (ROE) | 4.1648% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.1648% | 3,256 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4311% | 677 |
| Assets per employee ($millions) | 3.4608% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7071% | 4,765 |
| Loan loss allowance to noncurrent loans | 18.5315% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 3.3085% | 167 |
| Noncurrent loans to loans | 3.8159% | 216 |
| Net loans and leases to total assets | 71.6783% | 2,214 |
| Net loans and leases to deposits | 80.5237% | 2,781 |
| Net loans and leases to core deposits | 83.8063% | 3,038 |
| Total domestic deposits to total assets | 89.0152% | 854 |
| Equity capital to assets | 10.6959% | 3,167 |
| Core capital (leverage) ratio | 10.6502% | 2,895 |
| Tier 1 risk-based capital ratio | 25.4090% | 733 |
| Total risk-based capital ratio | 26.6217% | 713 |
| Memoranda: | ||
| Average total assets | $20,780,500 | 5,291 |
| Average earning assets | $18,736,000 | 5,282 |
| Average equity | $2,209,000 | 5,294 |
| Average total loans | $15,143,000 | 5,146 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3760% | 2,842 |
| Cost of funding earning assets | 0.8215% | 1,434 |
| Net interest margin | 3.5545% | 3,529 |
| Noninterest income to average assets | 0.1353% | 5,028 |
| Noninterest expense to average assets | 2.9920% | 2,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3238% | 4,979 |
| Return on assets (ROA) | 0.3238% | 4,973 |
| Pretax return on assets | 0.4060% | 4,925 |
| Return on Equity (ROE) | 3.0571% | 4,887 |
| Retained earnings to average equity (ytd only) | 1.9164% | 4,382 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0512% | 432 |
| Assets per employee ($millions) | 3.4660% | 4,583 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6930% | 4,812 |
| Loan loss allowance to noncurrent loans | 20.8251% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 3.0006% | 210 |
| Noncurrent loans to loans | 3.3277% | 281 |
| Net loans and leases to total assets | 73.0429% | 2,090 |
| Net loans and leases to deposits | 81.9221% | 2,744 |
| Net loans and leases to core deposits | 85.2270% | 2,980 |
| Total domestic deposits to total assets | 89.1614% | 796 |
| Equity capital to assets | 10.5645% | 3,112 |
| Core capital (leverage) ratio | 10.4804% | 3,050 |
| Tier 1 risk-based capital ratio | 24.8811% | 754 |
| Total risk-based capital ratio | 26.0815% | 738 |
| Memoranda: | ||
| Average total assets | $20,688,600 | 5,335 |
| Average earning assets | $18,989,800 | 5,326 |
| Average equity | $2,191,600 | 5,340 |
| Average total loans | $15,016,800 | 5,197 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 2,945 |
| Cost of funding earning assets | 0.8020% | 1,327 |
| Net interest margin | 3.5034% | 3,689 |
| Noninterest income to average assets | 0.1420% | 5,064 |
| Noninterest expense to average assets | 2.8071% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4581% | 4,841 |
| Return on assets (ROA) | 0.4581% | 4,851 |
| Pretax return on assets | 0.5485% | 4,819 |
| Return on Equity (ROE) | 4.3219% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.3219% | 3,597 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6538% | 666 |
| Assets per employee ($millions) | 3.3850% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7033% | 4,869 |
| Loan loss allowance to noncurrent loans | 23.6080% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 2.2107% | 442 |
| Noncurrent loans to loans | 2.9792% | 369 |
| Net loans and leases to total assets | 73.6829% | 2,041 |
| Net loans and leases to deposits | 83.0328% | 2,711 |
| Net loans and leases to core deposits | 86.9300% | 2,925 |
| Total domestic deposits to total assets | 88.7395% | 938 |
| Equity capital to assets | 10.9601% | 2,697 |
| Core capital (leverage) ratio | 10.9096% | 2,669 |
| Tier 1 risk-based capital ratio | 25.7908% | 691 |
| Total risk-based capital ratio | 27.0189% | 680 |
| Memoranda: | ||
| Average total assets | $20,661,750 | 5,407 |
| Average earning assets | $18,952,500 | 5,397 |
| Average equity | $2,190,250 | 5,408 |
| Average total loans | $14,947,000 | 5,259 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 2,945 |
| Cost of funding earning assets | 0.7804% | 1,217 |
| Net interest margin | 3.4695% | 3,734 |
| Noninterest income to average assets | 0.1444% | 5,099 |
| Noninterest expense to average assets | 2.7624% | 2,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4620% | 4,834 |
| Return on assets (ROA) | 0.4620% | 4,836 |
| Pretax return on assets | 0.5486% | 4,818 |
| Return on Equity (ROE) | 4.4070% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.4070% | 3,397 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4302% | 728 |
| Assets per employee ($millions) | 3.3963% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7031% | 4,939 |
| Loan loss allowance to noncurrent loans | 29.3629% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 1.7715% | 671 |
| Noncurrent loans to loans | 2.3945% | 554 |
| Net loans and leases to total assets | 73.4616% | 2,044 |
| Net loans and leases to deposits | 82.6843% | 2,693 |
| Net loans and leases to core deposits | 86.0790% | 2,914 |
| Total domestic deposits to total assets | 88.8458% | 997 |
| Equity capital to assets | 10.8107% | 2,827 |
| Core capital (leverage) ratio | 10.7338% | 2,768 |
| Tier 1 risk-based capital ratio | 25.1800% | 715 |
| Total risk-based capital ratio | 26.3916% | 708 |
| Memoranda: | ||
| Average total assets | $20,779,000 | 5,469 |
| Average earning assets | $18,965,330 | 5,461 |
| Average equity | $2,178,330 | 5,474 |
| Average total loans | $14,905,670 | 5,322 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 2,812 |
| Cost of funding earning assets | 0.7930% | 979 |
| Net interest margin | 3.4292% | 3,780 |
| Noninterest income to average assets | 0.1525% | 5,103 |
| Noninterest expense to average assets | 2.6883% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4195% | 4,889 |
| Return on assets (ROA) | 0.4195% | 4,893 |
| Pretax return on assets | 0.5148% | 4,849 |
| Return on Equity (ROE) | 4.0628% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.0628% | 3,576 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9286% | 802 |
| Assets per employee ($millions) | 3.4525% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7104% | 5,009 |
| Loan loss allowance to noncurrent loans | 42.4000% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 1.2069% | 1,261 |
| Noncurrent loans to loans | 1.6754% | 1,022 |
| Net loans and leases to total assets | 71.5231% | 2,246 |
| Net loans and leases to deposits | 80.2513% | 2,780 |
| Net loans and leases to core deposits | 83.4657% | 3,019 |
| Total domestic deposits to total assets | 89.1238% | 1,040 |
| Equity capital to assets | 10.5093% | 3,069 |
| Core capital (leverage) ratio | 10.4183% | 3,043 |
| Tier 1 risk-based capital ratio | 17.5268% | 1,965 |
| Total risk-based capital ratio | 18.3802% | 2,038 |
| Memoranda: | ||
| Average total assets | $20,979,500 | 5,529 |
| Average earning assets | $18,663,500 | 5,527 |
| Average equity | $2,166,000 | 5,531 |
| Average total loans | $14,820,500 | 5,382 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4226% | 1,964 |
| Cost of funding earning assets | 0.8475% | 486 |
| Net interest margin | 3.5751% | 3,246 |
| Noninterest income to average assets | 0.1281% | 5,303 |
| Noninterest expense to average assets | 2.8411% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2229% | 5,062 |
| Return on assets (ROA) | 0.2229% | 5,083 |
| Pretax return on assets | 0.3083% | 5,200 |
| Return on Equity (ROE) | 2.1954% | 5,019 |
| Retained earnings to average equity (ytd only) | 2.1954% | 4,006 |
| Net charge-offs to loans | -0.0066% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2108% | 426 |
| Assets per employee ($millions) | 3.5407% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7202% | 5,029 |
| Loan loss allowance to noncurrent loans | 42.0635% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 1.1862% | 1,250 |
| Noncurrent loans to loans | 1.7121% | 951 |
| Net loans and leases to total assets | 68.7865% | 2,705 |
| Net loans and leases to deposits | 76.7974% | 3,251 |
| Net loans and leases to core deposits | 79.7696% | 3,443 |
| Total domestic deposits to total assets | 89.5688% | 743 |
| Equity capital to assets | 10.1440% | 3,543 |
| Core capital (leverage) ratio | 10.0649% | 3,369 |
| Tier 1 risk-based capital ratio | 17.2607% | 2,010 |
| Total risk-based capital ratio | 18.1097% | 2,088 |
| Memoranda: | ||
| Average total assets | $21,083,600 | 5,589 |
| Average earning assets | $17,817,600 | 5,596 |
| Average equity | $2,140,800 | 5,595 |
| Average total loans | $15,124,400 | 5,437 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 1,787 |
| Cost of funding earning assets | 0.8471% | 461 |
| Net interest margin | 3.6037% | 3,133 |
| Noninterest income to average assets | 0.1267% | 5,369 |
| Noninterest expense to average assets | 2.7815% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3485% | 5,116 |
| Return on assets (ROA) | 0.3485% | 5,136 |
| Pretax return on assets | 0.4182% | 5,160 |
| Return on Equity (ROE) | 3.4310% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.4310% | 3,884 |
| Net charge-offs to loans | -0.0175% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9307% | 573 |
| Assets per employee ($millions) | 3.5232% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7197% | 5,097 |
| Loan loss allowance to noncurrent loans | 27.7202% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 1.8260% | 749 |
| Noncurrent loans to loans | 2.5964% | 561 |
| Net loans and leases to total assets | 69.8235% | 2,587 |
| Net loans and leases to deposits | 78.1035% | 3,151 |
| Net loans and leases to core deposits | 81.1346% | 3,364 |
| Total domestic deposits to total assets | 89.3987% | 701 |
| Equity capital to assets | 10.2323% | 3,658 |
| Core capital (leverage) ratio | 10.2028% | 3,310 |
| Tier 1 risk-based capital ratio | 17.2351% | 2,079 |
| Total risk-based capital ratio | 18.0876% | 2,163 |
| Memoranda: | ||
| Average total assets | $21,043,500 | 5,657 |
| Average earning assets | $17,944,000 | 5,660 |
| Average equity | $2,137,250 | 5,660 |
| Average total loans | $15,225,750 | 5,494 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 1,900 |
| Cost of funding earning assets | 0.8285% | 453 |
| Net interest margin | 3.5459% | 3,231 |
| Noninterest income to average assets | 0.1428% | 5,344 |
| Noninterest expense to average assets | 2.7413% | 2,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3903% | 4,999 |
| Return on assets (ROA) | 0.3903% | 5,028 |
| Pretax return on assets | 0.4569% | 5,074 |
| Return on Equity (ROE) | 3.8522% | 4,864 |
| Retained earnings to average equity (ytd only) | 3.8522% | 3,401 |
| Net charge-offs to loans | -0.0130% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 716 |
| Assets per employee ($millions) | 3.4850% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7027% | 5,203 |
| Loan loss allowance to noncurrent loans | 87.6033% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 2,831 |
| Noncurrent loans to loans | 0.8021% | 2,397 |
| Net loans and leases to total assets | 71.6356% | 2,258 |
| Net loans and leases to deposits | 80.1616% | 2,891 |
| Net loans and leases to core deposits | 83.2953% | 3,147 |
| Total domestic deposits to total assets | 89.3639% | 779 |
| Equity capital to assets | 10.2774% | 3,595 |
| Core capital (leverage) ratio | 10.1757% | 3,307 |
| Tier 1 risk-based capital ratio | 17.1167% | 2,132 |
| Total risk-based capital ratio | 17.9610% | 2,194 |
| Memoranda: | ||
| Average total assets | $21,011,670 | 5,705 |
| Average earning assets | $18,105,670 | 5,707 |
| Average equity | $2,128,670 | 5,709 |
| Average total loans | $15,345,330 | 5,541 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4979% | 1,377 |
| Cost of funding earning assets | 0.8734% | 325 |
| Net interest margin | 3.6246% | 2,802 |
| Noninterest income to average assets | 0.1329% | 5,452 |
| Noninterest expense to average assets | 2.8107% | 2,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3988% | 4,944 |
| Return on assets (ROA) | 0.3988% | 4,971 |
| Pretax return on assets | 0.4748% | 5,013 |
| Return on Equity (ROE) | 3.9651% | 4,794 |
| Retained earnings to average equity (ytd only) | 3.9651% | 3,464 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5491% | 840 |
| Assets per employee ($millions) | 3.5487% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 5,345 |
| Loan loss allowance to noncurrent loans | 32.8125% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 1.5029% | 1,066 |
| Noncurrent loans to loans | 2.0799% | 843 |
| Net loans and leases to total assets | 71.7640% | 2,104 |
| Net loans and leases to deposits | 80.0839% | 2,742 |
| Net loans and leases to core deposits | 83.1338% | 2,984 |
| Total domestic deposits to total assets | 89.6111% | 848 |
| Equity capital to assets | 9.9991% | 3,759 |
| Core capital (leverage) ratio | 10.0273% | 3,461 |
| Tier 1 risk-based capital ratio | 16.7125% | 2,275 |
| Total risk-based capital ratio | 17.5367% | 2,387 |
| Memoranda: | ||
| Average total assets | $21,062,500 | 5,772 |
| Average earning assets | $18,319,500 | 5,771 |
| Average equity | $2,118,500 | 5,776 |
| Average total loans | $15,475,500 | 5,603 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 1,589 |
| Cost of funding earning assets | 0.8270% | 438 |
| Net interest margin | 3.6556% | 2,871 |
| Noninterest income to average assets | 0.1712% | 5,362 |
| Noninterest expense to average assets | 3.0974% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3324% | 5,136 |
| Return on assets (ROA) | 0.3324% | 5,212 |
| Pretax return on assets | 0.4130% | 5,202 |
| Return on Equity (ROE) | 3.1661% | 5,112 |
| Retained earnings to average equity (ytd only) | 3.1661% | 3,658 |
| Net charge-offs to loans | -0.0327% | 5,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2353% | 656 |
| Assets per employee ($millions) | 3.4722% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6745% | 5,405 |
| Loan loss allowance to noncurrent loans | 22.5322% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 2.2368% | 574 |
| Noncurrent loans to loans | 2.9937% | 457 |
| Net loans and leases to total assets | 74.2140% | 1,813 |
| Net loans and leases to deposits | 82.8431% | 2,570 |
| Net loans and leases to core deposits | 86.0570% | 2,842 |
| Total domestic deposits to total assets | 89.5838% | 830 |
| Equity capital to assets | 10.1186% | 3,585 |
| Core capital (leverage) ratio | 10.3669% | 3,036 |
| Tier 1 risk-based capital ratio | 16.4726% | 2,360 |
| Total risk-based capital ratio | 17.2931% | 2,466 |
| Memoranda: | ||
| Average total assets | $19,855,400 | 5,843 |
| Average earning assets | $18,136,800 | 5,827 |
| Average equity | $2,084,600 | 5,839 |
| Average total loans | $15,291,000 | 5,659 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 1,540 |
| Cost of funding earning assets | 0.8412% | 399 |
| Net interest margin | 3.6601% | 2,857 |
| Noninterest income to average assets | 0.1836% | 5,362 |
| Noninterest expense to average assets | 3.0187% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4215% | 4,957 |
| Return on assets (ROA) | 0.4215% | 5,046 |
| Pretax return on assets | 0.5371% | 5,046 |
| Return on Equity (ROE) | 3.9764% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.9764% | 3,479 |
| Net charge-offs to loans | -0.0350% | 5,219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8948% | 913 |
| Assets per employee ($millions) | 3.2842% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 5,501 |
| Loan loss allowance to noncurrent loans | 69.3333% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 2,646 |
| Noncurrent loans to loans | 0.9572% | 2,330 |
| Net loans and leases to total assets | 78.9952% | 1,041 |
| Net loans and leases to deposits | 88.8217% | 1,915 |
| Net loans and leases to core deposits | 92.4951% | 2,332 |
| Total domestic deposits to total assets | 88.9368% | 940 |
| Equity capital to assets | 10.6775% | 3,375 |
| Core capital (leverage) ratio | 10.4019% | 3,109 |
| Tier 1 risk-based capital ratio | 16.6601% | 2,356 |
| Total risk-based capital ratio | 17.4836% | 2,487 |
| Memoranda: | ||
| Average total assets | $19,611,000 | 5,907 |
| Average earning assets | $18,068,500 | 5,889 |
| Average equity | $2,078,750 | 5,902 |
| Average total loans | $15,222,250 | 5,719 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 1,428 |
| Cost of funding earning assets | 0.8482% | 382 |
| Net interest margin | 3.6831% | 2,765 |
| Noninterest income to average assets | 0.2043% | 5,268 |
| Noninterest expense to average assets | 3.0031% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4903% | 4,715 |
| Return on assets (ROA) | 0.4903% | 4,817 |
| Pretax return on assets | 0.5720% | 4,967 |
| Return on Equity (ROE) | 4.6369% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.6369% | 2,952 |
| Net charge-offs to loans | -0.0531% | 5,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0000% | 1,050 |
| Assets per employee ($millions) | 3.2930% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6993% | 5,521 |
| Loan loss allowance to noncurrent loans | 37.9562% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 1.4829% | 1,291 |
| Noncurrent loans to loans | 1.8424% | 1,107 |
| Net loans and leases to total assets | 74.7444% | 1,695 |
| Net loans and leases to deposits | 83.9091% | 2,481 |
| Net loans and leases to core deposits | 87.3536% | 2,788 |
| Total domestic deposits to total assets | 89.0778% | 883 |
| Equity capital to assets | 10.5780% | 3,551 |
| Core capital (leverage) ratio | 10.5577% | 2,904 |
| Tier 1 risk-based capital ratio | 17.0085% | 2,214 |
| Total risk-based capital ratio | 17.8548% | 2,337 |
| Memoranda: | ||
| Average total assets | $19,579,670 | 5,981 |
| Average earning assets | $17,919,670 | 5,968 |
| Average equity | $2,070,330 | 5,977 |
| Average total loans | $15,073,000 | 5,791 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 1,334 |
| Cost of funding earning assets | 0.8657% | 356 |
| Net interest margin | 3.7068% | 2,643 |
| Noninterest income to average assets | 0.1847% | 5,395 |
| Noninterest expense to average assets | 2.7295% | 3,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7593% | 3,441 |
| Return on assets (ROA) | 0.7593% | 3,551 |
| Pretax return on assets | 0.8825% | 3,920 |
| Return on Equity (ROE) | 7.1827% | 3,355 |
| Retained earnings to average equity (ytd only) | 7.1827% | 1,801 |
| Net charge-offs to loans | -0.0791% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5682% | 2,237 |
| Assets per employee ($millions) | 3.2200% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6843% | 5,621 |
| Loan loss allowance to noncurrent loans | 53.9267% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 1,888 |
| Noncurrent loans to loans | 1.2690% | 1,907 |
| Net loans and leases to total assets | 77.3706% | 1,197 |
| Net loans and leases to deposits | 87.0588% | 1,937 |
| Net loans and leases to core deposits | 90.7149% | 2,307 |
| Total domestic deposits to total assets | 88.8716% | 1,170 |
| Equity capital to assets | 10.7609% | 3,196 |
| Core capital (leverage) ratio | 10.5678% | 2,887 |
| Tier 1 risk-based capital ratio | 16.9465% | 2,308 |
| Total risk-based capital ratio | 17.7861% | 2,417 |
| Memoranda: | ||
| Average total assets | $19,490,500 | 6,044 |
| Average earning assets | $18,021,000 | 6,024 |
| Average equity | $2,060,500 | 6,038 |
| Average total loans | $15,173,500 | 5,845 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 1,611 |
| Cost of funding earning assets | 0.9084% | 279 |
| Net interest margin | 3.5881% | 3,182 |
| Noninterest income to average assets | 0.1534% | 5,651 |
| Noninterest expense to average assets | 2.8842% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3324% | 5,264 |
| Return on assets (ROA) | 0.3324% | 5,350 |
| Pretax return on assets | 0.5012% | 5,114 |
| Return on Equity (ROE) | 3.1701% | 5,247 |
| Retained earnings to average equity (ytd only) | 1.2193% | 5,020 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1964% | 1,072 |
| Assets per employee ($millions) | 3.2768% | 5,181 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6538% | 5,719 |
| Loan loss allowance to noncurrent loans | 92.5926% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7222% | 2,898 |
| Noncurrent loans to loans | 0.7061% | 3,074 |
| Net loans and leases to total assets | 77.2901% | 1,212 |
| Net loans and leases to deposits | 86.6313% | 2,046 |
| Net loans and leases to core deposits | 90.1786% | 2,387 |
| Total domestic deposits to total assets | 89.2172% | 1,013 |
| Equity capital to assets | 10.3860% | 3,506 |
| Core capital (leverage) ratio | 10.2474% | 3,204 |
| Tier 1 risk-based capital ratio | 16.4943% | 2,483 |
| Total risk-based capital ratio | 17.3021% | 2,608 |
| Memoranda: | ||
| Average total assets | $19,554,800 | 6,100 |
| Average earning assets | $17,613,800 | 6,088 |
| Average equity | $2,050,400 | 6,093 |
| Average total loans | $14,724,800 | 5,901 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 1,595 |
| Cost of funding earning assets | 0.9229% | 255 |
| Net interest margin | 3.5771% | 3,250 |
| Noninterest income to average assets | 0.1571% | 5,703 |
| Noninterest expense to average assets | 2.7720% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5462% | 4,606 |
| Return on assets (ROA) | 0.5462% | 4,705 |
| Pretax return on assets | 0.5871% | 5,008 |
| Return on Equity (ROE) | 5.1966% | 4,533 |
| Retained earnings to average equity (ytd only) | 5.1966% | 2,780 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5203% | 1,327 |
| Assets per employee ($millions) | 3.2260% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6745% | 5,781 |
| Loan loss allowance to noncurrent loans | 133.3333% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 3,613 |
| Noncurrent loans to loans | 0.5059% | 3,831 |
| Net loans and leases to total assets | 76.0746% | 1,378 |
| Net loans and leases to deposits | 85.6304% | 2,185 |
| Net loans and leases to core deposits | 89.1992% | 2,536 |
| Total domestic deposits to total assets | 88.8407% | 1,105 |
| Equity capital to assets | 10.8648% | 3,176 |
| Core capital (leverage) ratio | 10.8107% | 2,705 |
| Tier 1 risk-based capital ratio | 17.4566% | 2,201 |
| Total risk-based capital ratio | 18.2867% | 2,309 |
| Memoranda: | ||
| Average total assets | $19,528,250 | 6,184 |
| Average earning assets | $17,481,000 | 6,174 |
| Average equity | $2,052,500 | 6,180 |
| Average total loans | $14,582,000 | 5,983 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4871% | 1,578 |
| Cost of funding earning assets | 0.9434% | 230 |
| Net interest margin | 3.5436% | 3,318 |
| Noninterest income to average assets | 0.1634% | 5,724 |
| Noninterest expense to average assets | 2.6652% | 3,707 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6025% | 4,335 |
| Return on assets (ROA) | 0.6025% | 4,438 |
| Pretax return on assets | 0.6433% | 4,845 |
| Return on Equity (ROE) | 5.7966% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.7966% | 2,362 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5556% | 1,684 |
| Assets per employee ($millions) | 3.2272% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6822% | 5,853 |
| Loan loss allowance to noncurrent loans | 97.0874% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 3,840 |
| Noncurrent loans to loans | 0.7027% | 3,379 |
| Net loans and leases to total assets | 75.1846% | 1,480 |
| Net loans and leases to deposits | 84.4677% | 2,257 |
| Net loans and leases to core deposits | 90.5348% | 2,296 |
| Total domestic deposits to total assets | 89.0100% | 1,137 |
| Equity capital to assets | 10.6388% | 3,283 |
| Core capital (leverage) ratio | 10.5048% | 2,946 |
| Tier 1 risk-based capital ratio | 17.4163% | 2,250 |
| Total risk-based capital ratio | 18.2618% | 2,346 |
| Memoranda: | ||
| Average total assets | $19,585,670 | 6,259 |
| Average earning assets | $17,383,330 | 6,250 |
| Average equity | $2,035,670 | 6,252 |
| Average total loans | $14,501,000 | 6,044 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 1,512 |
| Cost of funding earning assets | 0.9988% | 185 |
| Net interest margin | 3.4840% | 3,498 |
| Noninterest income to average assets | 0.1625% | 5,761 |
| Noninterest expense to average assets | 2.4978% | 4,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6702% | 3,952 |
| Return on assets (ROA) | 0.6702% | 4,075 |
| Pretax return on assets | 0.7108% | 4,557 |
| Return on Equity (ROE) | 6.5234% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.5234% | 2,228 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8481% | 2,206 |
| Assets per employee ($millions) | 3.2285% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6932% | 5,917 |
| Loan loss allowance to noncurrent loans | 69.4444% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 3,258 |
| Noncurrent loans to loans | 0.9982% | 2,764 |
| Net loans and leases to total assets | 73.9559% | 1,510 |
| Net loans and leases to deposits | 82.9195% | 2,216 |
| Net loans and leases to core deposits | 87.9975% | 2,332 |
| Total domestic deposits to total assets | 89.1900% | 1,149 |
| Equity capital to assets | 10.5312% | 3,500 |
| Core capital (leverage) ratio | 10.0915% | 3,488 |
| Tier 1 risk-based capital ratio | 17.5605% | 2,280 |
| Total risk-based capital ratio | 18.4213% | 2,374 |
| Memoranda: | ||
| Average total assets | $19,697,000 | 6,328 |
| Average earning assets | $17,221,500 | 6,318 |
| Average equity | $2,023,500 | 6,317 |
| Average total loans | $14,422,500 | 6,101 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 1,944 |
| Cost of funding earning assets | 1.0995% | 134 |
| Net interest margin | 3.3832% | 4,260 |
| Noninterest income to average assets | 0.2629% | 5,251 |
| Noninterest expense to average assets | 2.7678% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1885% | 5,789 |
| Return on assets (ROA) | 0.1885% | 5,839 |
| Pretax return on assets | 0.2728% | 5,752 |
| Return on Equity (ROE) | 1.9188% | 5,785 |
| Retained earnings to average equity (ytd only) | 1.9188% | 4,843 |
| Net charge-offs to loans | -0.0366% | 5,838 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0277% | 779 |
| Assets per employee ($millions) | 3.3372% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6935% | 6,004 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 3,965 |
| Noncurrent loans to loans | 0.7629% | 3,413 |
| Net loans and leases to total assets | 71.5128% | 1,989 |
| Net loans and leases to deposits | 79.7183% | 2,753 |
| Net loans and leases to core deposits | 84.3932% | 2,853 |
| Total domestic deposits to total assets | 89.7068% | 869 |
| Equity capital to assets | 10.0235% | 4,080 |
| Core capital (leverage) ratio | 9.8848% | 3,730 |
| Tier 1 risk-based capital ratio | 17.0547% | 2,491 |
| Total risk-based capital ratio | 17.9045% | 2,600 |
| Memoranda: | ||
| Average total assets | $20,160,600 | 6,411 |
| Average earning assets | $16,552,600 | 6,418 |
| Average equity | $1,980,400 | 6,403 |
| Average total loans | $13,669,800 | 6,206 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 1,465 |
| Cost of funding earning assets | 1.1229% | 124 |
| Net interest margin | 3.5151% | 3,770 |
| Noninterest income to average assets | 0.2839% | 5,173 |
| Noninterest expense to average assets | 2.6739% | 3,925 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4027% | 5,239 |
| Return on assets (ROA) | 0.4027% | 5,316 |
| Pretax return on assets | 0.4621% | 5,426 |
| Return on Equity (ROE) | 4.1206% | 5,123 |
| Retained earnings to average equity (ytd only) | 4.1206% | 3,722 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2632% | 1,255 |
| Assets per employee ($millions) | 3.3180% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6728% | 6,140 |
| Loan loss allowance to noncurrent loans | 94.0594% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 4,358 |
| Noncurrent loans to loans | 0.7153% | 3,818 |
| Net loans and leases to total assets | 70.4491% | 2,125 |
| Net loans and leases to deposits | 78.6155% | 2,877 |
| Net loans and leases to core deposits | 83.2295% | 2,970 |
| Total domestic deposits to total assets | 89.6122% | 927 |
| Equity capital to assets | 10.1165% | 4,031 |
| Core capital (leverage) ratio | 10.0675% | 3,573 |
| Tier 1 risk-based capital ratio | 17.4599% | 2,409 |
| Total risk-based capital ratio | 18.2835% | 2,559 |
| Memoranda: | ||
| Average total assets | $20,195,000 | 6,484 |
| Average earning assets | $16,386,250 | 6,498 |
| Average equity | $1,973,750 | 6,481 |
| Average total loans | $13,482,500 | 6,281 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 1,522 |
| Cost of funding earning assets | 1.1353% | 124 |
| Net interest margin | 3.4676% | 3,907 |
| Noninterest income to average assets | 0.3154% | 4,888 |
| Noninterest expense to average assets | 2.6515% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3746% | 5,313 |
| Return on assets (ROA) | 0.3746% | 5,382 |
| Pretax return on assets | 0.4337% | 5,472 |
| Return on Equity (ROE) | 3.8769% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.8769% | 3,713 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9425% | 1,275 |
| Assets per employee ($millions) | 3.3430% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6952% | 6,183 |
| Loan loss allowance to noncurrent loans | 413.0435% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 5,808 |
| Noncurrent loans to loans | 0.1683% | 5,511 |
| Net loans and leases to total assets | 67.6538% | 2,473 |
| Net loans and leases to deposits | 75.3261% | 3,151 |
| Net loans and leases to core deposits | 79.6970% | 3,247 |
| Total domestic deposits to total assets | 89.8145% | 897 |
| Equity capital to assets | 9.9262% | 4,209 |
| Core capital (leverage) ratio | 9.7886% | 3,902 |
| Tier 1 risk-based capital ratio | 17.6273% | 2,372 |
| Total risk-based capital ratio | 18.4683% | 2,491 |
| Memoranda: | ||
| Average total assets | $20,290,670 | 6,547 |
| Average earning assets | $16,207,000 | 6,564 |
| Average equity | $1,960,330 | 6,542 |
| Average total loans | $13,270,000 | 6,347 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5783% | 1,560 |
| Cost of funding earning assets | 1.1446% | 127 |
| Net interest margin | 3.4337% | 3,967 |
| Noninterest income to average assets | 0.2156% | 5,633 |
| Noninterest expense to average assets | 2.5873% | 4,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2744% | 5,586 |
| Return on assets (ROA) | 0.2744% | 5,632 |
| Pretax return on assets | 0.3332% | 5,641 |
| Return on Equity (ROE) | 2.8792% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.8792% | 4,368 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5906% | 1,167 |
| Assets per employee ($millions) | 3.4127% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7213% | 6,249 |
| Loan loss allowance to noncurrent loans | 95.9596% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.3821% | 2,562 |
| Noncurrent loans to loans | 0.7517% | 3,987 |
| Net loans and leases to total assets | 63.8552% | 2,919 |
| Net loans and leases to deposits | 70.8288% | 3,493 |
| Net loans and leases to core deposits | 73.5253% | 3,697 |
| Total domestic deposits to total assets | 90.1543% | 991 |
| Equity capital to assets | 9.5331% | 4,458 |
| Core capital (leverage) ratio | 9.5546% | 4,202 |
| Tier 1 risk-based capital ratio | 17.3851% | 2,521 |
| Total risk-based capital ratio | 18.2312% | 2,653 |
| Memoranda: | ||
| Average total assets | $20,407,000 | 6,615 |
| Average earning assets | $16,076,000 | 6,637 |
| Average equity | $1,945,000 | 6,608 |
| Average total loans | $13,072,500 | 6,420 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8703% | 1,155 |
| Cost of funding earning assets | 1.2827% | 119 |
| Net interest margin | 3.5876% | 3,513 |
| Noninterest income to average assets | 0.3398% | 4,890 |
| Noninterest expense to average assets | 2.7384% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3698% | 5,261 |
| Return on assets (ROA) | 0.3698% | 5,374 |
| Pretax return on assets | 0.4248% | 5,426 |
| Return on Equity (ROE) | 3.8825% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.8825% | 3,442 |
| Net charge-offs to loans | 0.0455% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 14.1667% | 1,963 |
| Efficiency ratio | 86.5719% | 1,354 |
| Assets per employee ($millions) | 3.3897% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7322% | 6,306 |
| Loan loss allowance to noncurrent loans | 231.7073% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 1.1063% | 3,196 |
| Noncurrent loans to loans | 0.3160% | 5,239 |
| Net loans and leases to total assets | 63.3297% | 3,159 |
| Net loans and leases to deposits | 70.2213% | 3,761 |
| Net loans and leases to core deposits | 72.9084% | 3,962 |
| Total domestic deposits to total assets | 90.1859% | 982 |
| Equity capital to assets | 9.5290% | 4,383 |
| Core capital (leverage) ratio | 9.4064% | 4,407 |
| Tier 1 risk-based capital ratio | 17.2712% | 2,504 |
| Total risk-based capital ratio | 18.1178% | 2,634 |
| Memoranda: | ||
| Average total assets | $20,011,400 | 6,696 |
| Average earning assets | $15,748,600 | 6,723 |
| Average equity | $1,906,000 | 6,705 |
| Average total loans | $13,183,800 | 6,482 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 1,105 |
| Cost of funding earning assets | 1.3021% | 118 |
| Net interest margin | 3.6085% | 3,407 |
| Noninterest income to average assets | 0.3746% | 4,713 |
| Noninterest expense to average assets | 2.6894% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4616% | 4,967 |
| Return on assets (ROA) | 0.4616% | 5,116 |
| Pretax return on assets | 0.5218% | 5,294 |
| Return on Equity (ROE) | 4.8472% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.8472% | 3,197 |
| Net charge-offs to loans | 0.0604% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,076 |
| Efficiency ratio | 83.7500% | 1,634 |
| Assets per employee ($millions) | 3.3655% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 6,397 |
| Loan loss allowance to noncurrent loans | 49.2228% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 1.8670% | 2,179 |
| Noncurrent loans to loans | 1.4899% | 2,929 |
| Net loans and leases to total assets | 63.6805% | 3,050 |
| Net loans and leases to deposits | 70.7199% | 3,683 |
| Net loans and leases to core deposits | 73.4422% | 3,913 |
| Total domestic deposits to total assets | 90.0461% | 969 |
| Equity capital to assets | 9.5726% | 4,460 |
| Core capital (leverage) ratio | 9.5632% | 4,308 |
| Tier 1 risk-based capital ratio | 17.2589% | 2,602 |
| Total risk-based capital ratio | 18.1071% | 2,723 |
| Memoranda: | ||
| Average total assets | $19,929,750 | 6,775 |
| Average earning assets | $15,666,250 | 6,802 |
| Average equity | $1,898,000 | 6,787 |
| Average total loans | $13,236,000 | 6,548 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9282% | 1,032 |
| Cost of funding earning assets | 1.3159% | 131 |
| Net interest margin | 3.6123% | 3,311 |
| Noninterest income to average assets | 0.4233% | 4,353 |
| Noninterest expense to average assets | 2.6812% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5040% | 4,781 |
| Return on assets (ROA) | 0.5040% | 4,948 |
| Pretax return on assets | 0.5645% | 5,151 |
| Return on Equity (ROE) | 5.3013% | 4,563 |
| Retained earnings to average equity (ytd only) | 5.3013% | 2,863 |
| Net charge-offs to loans | 0.0900% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,300 |
| Efficiency ratio | 82.6087% | 1,807 |
| Assets per employee ($millions) | 3.3565% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7217% | 6,469 |
| Loan loss allowance to noncurrent loans | 40.0844% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 1.1768% | 3,400 |
| Noncurrent loans to loans | 1.8005% | 2,643 |
| Net loans and leases to total assets | 64.8890% | 2,777 |
| Net loans and leases to deposits | 71.9960% | 3,447 |
| Net loans and leases to core deposits | 74.7640% | 3,694 |
| Total domestic deposits to total assets | 90.1286% | 959 |
| Equity capital to assets | 9.5039% | 4,574 |
| Core capital (leverage) ratio | 9.4519% | 4,317 |
| Tier 1 risk-based capital ratio | 17.3858% | 2,561 |
| Total risk-based capital ratio | 18.2487% | 2,685 |
| Memoranda: | ||
| Average total assets | $19,842,000 | 6,826 |
| Average earning assets | $15,502,670 | 6,854 |
| Average equity | $1,886,330 | 6,832 |
| Average total loans | $13,330,000 | 6,588 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9914% | 901 |
| Cost of funding earning assets | 1.2941% | 162 |
| Net interest margin | 3.6973% | 2,862 |
| Noninterest income to average assets | 0.2234% | 5,880 |
| Noninterest expense to average assets | 2.7014% | 4,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3453% | 5,375 |
| Return on assets (ROA) | 0.3453% | 5,519 |
| Pretax return on assets | 0.3656% | 5,658 |
| Return on Equity (ROE) | 3.6315% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.6315% | 4,065 |
| Net charge-offs to loans | 0.1789% | 2,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,872 |
| Efficiency ratio | 88.0795% | 1,323 |
| Assets per employee ($millions) | 3.3693% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7170% | 6,568 |
| Loan loss allowance to noncurrent loans | 35.3160% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 1.3306% | 3,296 |
| Noncurrent loans to loans | 2.0303% | 2,590 |
| Net loans and leases to total assets | 65.0673% | 2,532 |
| Net loans and leases to deposits | 72.0057% | 3,180 |
| Net loans and leases to core deposits | 74.7429% | 3,490 |
| Total domestic deposits to total assets | 90.3641% | 842 |
| Equity capital to assets | 9.3045% | 5,122 |
| Core capital (leverage) ratio | 9.5395% | 4,014 |
| Tier 1 risk-based capital ratio | 17.1280% | 2,695 |
| Total risk-based capital ratio | 17.9931% | 2,856 |
| Memoranda: | ||
| Average total assets | $19,693,500 | 6,905 |
| Average earning assets | $15,146,000 | 6,934 |
| Average equity | $1,872,500 | 6,896 |
| Average total loans | $13,413,500 | 6,643 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4812% | 648 |
| Cost of funding earning assets | 1.4678% | 193 |
| Net interest margin | 4.0134% | 2,347 |
| Noninterest income to average assets | 0.2388% | 5,738 |
| Noninterest expense to average assets | 3.1466% | 2,788 |
| Loan and lease loss provision to assets | 0.1061% | 4,310 |
| Net operating income to assets | 0.1539% | 5,882 |
| Return on assets (ROA) | 0.1539% | 6,044 |
| Pretax return on assets | 0.2069% | 5,980 |
| Return on Equity (ROE) | 1.5503% | 6,008 |
| Retained earnings to average equity (ytd only) | 1.5503% | 5,093 |
| Net charge-offs to loans | 0.0146% | 5,705 |
| Credit loss provision to net charge-offs | 1,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,023 |
| Efficiency ratio | 90.9509% | 994 |
| Assets per employee ($millions) | 3.1952% | 5,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7439% | 6,577 |
| Loan loss allowance to noncurrent loans | 32.3718% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 1.6275% | 2,958 |
| Noncurrent loans to loans | 2.2978% | 2,352 |
| Net loans and leases to total assets | 70.2989% | 1,784 |
| Net loans and leases to deposits | 78.1638% | 2,505 |
| Net loans and leases to core deposits | 81.3092% | 2,847 |
| Total domestic deposits to total assets | 89.9379% | 977 |
| Equity capital to assets | 9.7230% | 4,565 |
| Core capital (leverage) ratio | 9.4711% | 4,146 |
| Tier 1 risk-based capital ratio | 16.9686% | 2,670 |
| Total risk-based capital ratio | 17.8880% | 2,795 |
| Memoranda: | ||
| Average total assets | $18,846,000 | 6,974 |
| Average earning assets | $15,124,400 | 6,988 |
| Average equity | $1,870,600 | 6,973 |
| Average total loans | $13,720,400 | 6,706 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4090% | 823 |
| Cost of funding earning assets | 1.4569% | 243 |
| Net interest margin | 3.9520% | 2,700 |
| Noninterest income to average assets | 0.2345% | 5,876 |
| Noninterest expense to average assets | 2.8208% | 3,912 |
| Loan and lease loss provision to assets | 0.1421% | 3,757 |
| Net operating income to assets | 0.3908% | 5,284 |
| Return on assets (ROA) | 0.3908% | 5,496 |
| Pretax return on assets | 0.4903% | 5,492 |
| Return on Equity (ROE) | 3.9167% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.9167% | 4,130 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6872% | 1,844 |
| Assets per employee ($millions) | 3.2023% | 5,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7446% | 6,693 |
| Loan loss allowance to noncurrent loans | 36.3958% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 1.4729% | 3,395 |
| Noncurrent loans to loans | 2.0458% | 2,798 |
| Net loans and leases to total assets | 71.4583% | 1,653 |
| Net loans and leases to deposits | 79.6496% | 2,447 |
| Net loans and leases to core deposits | 82.8456% | 2,854 |
| Total domestic deposits to total assets | 89.7158% | 991 |
| Equity capital to assets | 9.8366% | 4,732 |
| Core capital (leverage) ratio | 9.6943% | 3,966 |
| Tier 1 risk-based capital ratio | 16.8434% | 2,813 |
| Total risk-based capital ratio | 17.7613% | 2,961 |
| Memoranda: | ||
| Average total assets | $18,764,750 | 7,068 |
| Average earning assets | $15,283,000 | 7,083 |
| Average equity | $1,872,250 | 7,064 |
| Average total loans | $13,756,000 | 6,796 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3935% | 878 |
| Cost of funding earning assets | 1.4357% | 306 |
| Net interest margin | 3.9578% | 2,688 |
| Noninterest income to average assets | 0.2149% | 6,029 |
| Noninterest expense to average assets | 2.7934% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6232% | 4,261 |
| Return on assets (ROA) | 0.6232% | 4,509 |
| Pretax return on assets | 0.7091% | 4,808 |
| Return on Equity (ROE) | 6.2154% | 4,202 |
| Retained earnings to average equity (ytd only) | 6.2154% | 2,559 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7546% | 2,223 |
| Assets per employee ($millions) | 3.2632% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6011% | 6,935 |
| Loan loss allowance to noncurrent loans | 19.9041% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 2.1298% | 2,627 |
| Noncurrent loans to loans | 3.0202% | 1,953 |
| Net loans and leases to total assets | 70.0955% | 1,904 |
| Net loans and leases to deposits | 77.9463% | 2,678 |
| Net loans and leases to core deposits | 80.9914% | 3,086 |
| Total domestic deposits to total assets | 89.9280% | 967 |
| Equity capital to assets | 9.6634% | 4,802 |
| Core capital (leverage) ratio | 10.1020% | 3,273 |
| Tier 1 risk-based capital ratio | 16.7463% | 2,789 |
| Total risk-based capital ratio | 17.4810% | 3,015 |
| Memoranda: | ||
| Average total assets | $18,615,000 | 7,131 |
| Average earning assets | $15,463,000 | 7,143 |
| Average equity | $1,866,330 | 7,112 |
| Average total loans | $13,730,330 | 6,854 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4084% | 896 |
| Cost of funding earning assets | 1.4165% | 403 |
| Net interest margin | 3.9919% | 2,543 |
| Noninterest income to average assets | 0.2206% | 6,037 |
| Noninterest expense to average assets | 2.7133% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8162% | 3,314 |
| Return on assets (ROA) | 0.8162% | 3,546 |
| Pretax return on assets | 0.9265% | 3,943 |
| Return on Equity (ROE) | 7.9849% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.9849% | 1,986 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5455% | 3,013 |
| Assets per employee ($millions) | 3.0327% | 6,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6077% | 6,977 |
| Loan loss allowance to noncurrent loans | 22.3720% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 2.0389% | 2,842 |
| Noncurrent loans to loans | 2.7166% | 2,404 |
| Net loans and leases to total assets | 74.5988% | 973 |
| Net loans and leases to deposits | 83.5477% | 1,727 |
| Net loans and leases to core deposits | 87.0854% | 2,170 |
| Total domestic deposits to total assets | 89.2889% | 1,488 |
| Equity capital to assets | 10.2880% | 3,741 |
| Core capital (leverage) ratio | 10.3038% | 2,989 |
| Tier 1 risk-based capital ratio | 17.1664% | 2,615 |
| Total risk-based capital ratio | 17.9276% | 2,779 |
| Memoranda: | ||
| Average total assets | $18,133,000 | 7,204 |
| Average earning assets | $15,531,500 | 7,204 |
| Average equity | $1,853,500 | 7,170 |
| Average total loans | $13,692,000 | 6,911 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7010% | 779 |
| Cost of funding earning assets | 1.5144% | 676 |
| Net interest margin | 4.1866% | 2,105 |
| Noninterest income to average assets | 0.2950% | 5,420 |
| Noninterest expense to average assets | 3.3029% | 2,516 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4454% | 4,669 |
| Return on assets (ROA) | 0.4454% | 4,872 |
| Pretax return on assets | 0.5900% | 4,727 |
| Return on Equity (ROE) | 4.2443% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.2443% | 3,166 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8440% | 1,680 |
| Assets per employee ($millions) | 3.0117% | 6,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6046% | 7,013 |
| Loan loss allowance to noncurrent loans | 17.0782% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 2.6895% | 2,262 |
| Noncurrent loans to loans | 3.5405% | 1,811 |
| Net loans and leases to total assets | 75.5064% | 1,021 |
| Net loans and leases to deposits | 84.4568% | 1,863 |
| Net loans and leases to core deposits | 88.0428% | 2,369 |
| Total domestic deposits to total assets | 89.4023% | 1,315 |
| Equity capital to assets | 10.1550% | 3,968 |
| Core capital (leverage) ratio | 10.3357% | 2,929 |
| Tier 1 risk-based capital ratio | 16.7887% | 2,697 |
| Total risk-based capital ratio | 17.5480% | 2,877 |
| Memoranda: | ||
| Average total assets | $17,287,800 | 7,257 |
| Average earning assets | $14,857,000 | 7,251 |
| Average equity | $1,814,200 | 7,238 |
| Average total loans | $13,146,200 | 6,985 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7958% | 706 |
| Cost of funding earning assets | 1.5419% | 738 |
| Net interest margin | 4.2539% | 1,898 |
| Noninterest income to average assets | 0.3042% | 5,429 |
| Noninterest expense to average assets | 3.0812% | 3,231 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8346% | 3,001 |
| Return on assets (ROA) | 0.8346% | 3,164 |
| Pretax return on assets | 0.8815% | 3,840 |
| Return on Equity (ROE) | 7.8861% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.8861% | 1,548 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7559% | 2,575 |
| Assets per employee ($millions) | 3.3954% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6036% | 7,076 |
| Loan loss allowance to noncurrent loans | 23.3803% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 2.0911% | 3,039 |
| Noncurrent loans to loans | 2.5818% | 2,685 |
| Net loans and leases to total assets | 80.5030% | 470 |
| Net loans and leases to deposits | 90.9012% | 1,117 |
| Net loans and leases to core deposits | 95.0417% | 1,695 |
| Total domestic deposits to total assets | 88.5610% | 1,721 |
| Equity capital to assets | 10.9855% | 3,163 |
| Core capital (leverage) ratio | 10.8753% | 2,497 |
| Tier 1 risk-based capital ratio | 17.2990% | 2,524 |
| Total risk-based capital ratio | 18.0688% | 2,685 |
| Memoranda: | ||
| Average total assets | $17,092,250 | 7,332 |
| Average earning assets | $14,700,000 | 7,329 |
| Average equity | $1,809,000 | 7,314 |
| Average total loans | $13,001,000 | 7,064 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7225% | 841 |
| Cost of funding earning assets | 1.5607% | 811 |
| Net interest margin | 4.1618% | 2,180 |
| Noninterest income to average assets | 0.2919% | 5,544 |
| Noninterest expense to average assets | 3.0705% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7238% | 3,420 |
| Return on assets (ROA) | 0.7238% | 3,539 |
| Pretax return on assets | 0.7705% | 4,141 |
| Return on Equity (ROE) | 6.9261% | 3,481 |
| Retained earnings to average equity (ytd only) | 6.9261% | 1,914 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9392% | 2,395 |
| Assets per employee ($millions) | 3.4252% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6271% | 7,109 |
| Loan loss allowance to noncurrent loans | 21.2821% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 2.2772% | 2,882 |
| Noncurrent loans to loans | 2.9467% | 2,464 |
| Net loans and leases to total assets | 76.7955% | 945 |
| Net loans and leases to deposits | 86.3729% | 1,736 |
| Net loans and leases to core deposits | 90.2367% | 2,347 |
| Total domestic deposits to total assets | 88.9116% | 1,588 |
| Equity capital to assets | 10.6271% | 3,352 |
| Core capital (leverage) ratio | 10.5993% | 2,619 |
| Tier 1 risk-based capital ratio | 17.1714% | 2,451 |
| Total risk-based capital ratio | 17.9545% | 2,603 |
| Memoranda: | ||
| Average total assets | $17,130,670 | 7,405 |
| Average earning assets | $14,609,000 | 7,403 |
| Average equity | $1,790,330 | 7,385 |
| Average total loans | $12,751,330 | 7,137 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6570% | 963 |
| Cost of funding earning assets | 1.5928% | 840 |
| Net interest margin | 4.0643% | 2,413 |
| Noninterest income to average assets | 0.2802% | 5,668 |
| Noninterest expense to average assets | 2.8717% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8171% | 2,942 |
| Return on assets (ROA) | 0.8171% | 2,999 |
| Pretax return on assets | 0.8638% | 3,649 |
| Return on Equity (ROE) | 7.8851% | 2,968 |
| Retained earnings to average equity (ytd only) | 7.8851% | 1,781 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8750% | 3,002 |
| Assets per employee ($millions) | 3.4516% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6627% | 7,123 |
| Loan loss allowance to noncurrent loans | 32.2957% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 1.4892% | 4,026 |
| Noncurrent loans to loans | 2.0521% | 3,503 |
| Net loans and leases to total assets | 72.0883% | 1,702 |
| Net loans and leases to deposits | 80.8382% | 2,552 |
| Net loans and leases to core deposits | 84.3973% | 3,116 |
| Total domestic deposits to total assets | 89.1760% | 1,660 |
| Equity capital to assets | 10.3894% | 3,299 |
| Core capital (leverage) ratio | 10.3762% | 2,728 |
| Tier 1 risk-based capital ratio | 17.5957% | 2,249 |
| Total risk-based capital ratio | 18.4102% | 2,392 |
| Memoranda: | ||
| Average total assets | $17,133,000 | 7,461 |
| Average earning assets | $14,566,000 | 7,462 |
| Average equity | $1,775,500 | 7,437 |
| Average total loans | $12,509,500 | 7,200 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8965% | 1,055 |
| Cost of funding earning assets | 1.9111% | 810 |
| Net interest margin | 3.9854% | 3,079 |
| Noninterest income to average assets | 0.3126% | 5,554 |
| Noninterest expense to average assets | 3.3265% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3598% | 4,709 |
| Return on assets (ROA) | 0.3598% | 4,868 |
| Pretax return on assets | 0.4424% | 4,816 |
| Return on Equity (ROE) | 3.5041% | 4,753 |
| Retained earnings to average equity (ytd only) | 3.5041% | 3,411 |
| Net charge-offs to loans | 0.0408% | 6,398 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,304 |
| Efficiency ratio | 88.2629% | 1,461 |
| Assets per employee ($millions) | 3.4016% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6643% | 7,184 |
| Loan loss allowance to noncurrent loans | 25.0755% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 1.9461% | 3,417 |
| Noncurrent loans to loans | 2.6491% | 2,870 |
| Net loans and leases to total assets | 72.9774% | 1,878 |
| Net loans and leases to deposits | 81.7870% | 2,853 |
| Net loans and leases to core deposits | 86.3984% | 3,266 |
| Total domestic deposits to total assets | 89.2286% | 1,525 |
| Equity capital to assets | 10.3363% | 3,343 |
| Core capital (leverage) ratio | 10.1689% | 2,901 |
| Tier 1 risk-based capital ratio | 17.1915% | 2,277 |
| Total risk-based capital ratio | 18.0031% | 2,409 |
| Memoranda: | ||
| Average total assets | $16,954,800 | 7,534 |
| Average earning assets | $14,703,600 | 7,533 |
| Average equity | $1,740,800 | 7,551 |
| Average total loans | $12,242,000 | 7,287 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9736% | 985 |
| Cost of funding earning assets | 1.9701% | 827 |
| Net interest margin | 4.0035% | 3,092 |
| Noninterest income to average assets | 0.2991% | 5,750 |
| Noninterest expense to average assets | 3.0772% | 3,440 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6453% | 3,674 |
| Return on assets (ROA) | 0.6453% | 3,841 |
| Pretax return on assets | 0.7083% | 4,203 |
| Return on Equity (ROE) | 6.2960% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.2960% | 2,203 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2890% | 2,153 |
| Assets per employee ($millions) | 3.3410% | 5,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7114% | 7,182 |
| Loan loss allowance to noncurrent loans | 24.1758% | 6,698 |
| Noncurrent assets plus other real estate owned to assets | 2.1790% | 3,233 |
| Noncurrent loans to loans | 2.9426% | 2,711 |
| Net loans and leases to total assets | 73.5229% | 1,905 |
| Net loans and leases to deposits | 82.7071% | 2,966 |
| Net loans and leases to core deposits | 86.4443% | 3,588 |
| Total domestic deposits to total assets | 88.8955% | 1,451 |
| Equity capital to assets | 10.6495% | 3,347 |
| Core capital (leverage) ratio | 10.3436% | 2,864 |
| Tier 1 risk-based capital ratio | 17.4309% | 2,193 |
| Total risk-based capital ratio | 18.2932% | 2,288 |
| Memoranda: | ||
| Average total assets | $16,941,500 | 7,630 |
| Average earning assets | $14,753,500 | 7,624 |
| Average equity | $1,736,500 | 7,649 |
| Average total loans | $12,178,750 | 7,388 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8449% | 1,312 |
| Cost of funding earning assets | 2.0150% | 875 |
| Net interest margin | 3.8299% | 3,764 |
| Noninterest income to average assets | 0.2938% | 5,797 |
| Noninterest expense to average assets | 3.0787% | 3,401 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5288% | 4,204 |
| Return on assets (ROA) | 0.5288% | 4,357 |
| Pretax return on assets | 0.5875% | 4,601 |
| Return on Equity (ROE) | 5.2255% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.2255% | 2,759 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9744% | 1,924 |
| Assets per employee ($millions) | 3.4416% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7188% | 7,208 |
| Loan loss allowance to noncurrent loans | 122.2222% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 6,403 |
| Noncurrent loans to loans | 0.5881% | 6,073 |
| Net loans and leases to total assets | 70.6358% | 2,763 |
| Net loans and leases to deposits | 79.0158% | 3,792 |
| Net loans and leases to core deposits | 82.4347% | 4,352 |
| Total domestic deposits to total assets | 89.3945% | 1,227 |
| Equity capital to assets | 10.1232% | 3,863 |
| Core capital (leverage) ratio | 10.1379% | 3,011 |
| Tier 1 risk-based capital ratio | 17.1002% | 2,238 |
| Total risk-based capital ratio | 17.9641% | 2,342 |
| Memoranda: | ||
| Average total assets | $17,020,330 | 7,695 |
| Average earning assets | $14,987,330 | 7,688 |
| Average equity | $1,722,330 | 7,713 |
| Average total loans | $12,115,000 | 7,451 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8027% | 1,443 |
| Cost of funding earning assets | 2.0402% | 972 |
| Net interest margin | 3.7625% | 3,950 |
| Noninterest income to average assets | 0.2599% | 6,070 |
| Noninterest expense to average assets | 2.8358% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7326% | 3,290 |
| Return on assets (ROA) | 0.7326% | 3,400 |
| Pretax return on assets | 0.7798% | 3,949 |
| Return on Equity (ROE) | 7.2409% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.2409% | 2,033 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4314% | 2,823 |
| Assets per employee ($millions) | 3.4006% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7469% | 7,254 |
| Loan loss allowance to noncurrent loans | 303.4483% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 6,594 |
| Noncurrent loans to loans | 0.2461% | 6,851 |
| Net loans and leases to total assets | 68.7761% | 3,207 |
| Net loans and leases to deposits | 76.9393% | 4,232 |
| Net loans and leases to core deposits | 80.2994% | 4,728 |
| Total domestic deposits to total assets | 89.3901% | 1,305 |
| Equity capital to assets | 10.1629% | 3,654 |
| Core capital (leverage) ratio | 10.0982% | 3,044 |
| Tier 1 risk-based capital ratio | 17.2645% | 2,169 |
| Total risk-based capital ratio | 18.1437% | 2,261 |
| Memoranda: | ||
| Average total assets | $16,926,500 | 7,797 |
| Average earning assets | $15,096,500 | 7,782 |
| Average equity | $1,712,500 | 7,802 |
| Average total loans | $12,051,000 | 7,545 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2232% | 1,184 |
| Cost of funding earning assets | 2.4147% | 1,254 |
| Net interest margin | 3.8085% | 3,666 |
| Noninterest income to average assets | 0.3041% | 5,922 |
| Noninterest expense to average assets | 3.1806% | 3,442 |
| Loan and lease loss provision to assets | 0.1216% | 6,429 |
| Net operating income to assets | 0.3831% | 4,190 |
| Return on assets (ROA) | 0.3831% | 4,298 |
| Pretax return on assets | 0.5412% | 4,074 |
| Return on Equity (ROE) | 3.6989% | 4,206 |
| Retained earnings to average equity (ytd only) | 1.6440% | 3,933 |
| Net charge-offs to loans | 0.0582% | 6,511 |
| Credit loss provision to net charge-offs | 285.7143% | 1,175 |
| Earnings coverage of net charge-offs (x) | 15.5714% | 1,299 |
| Efficiency ratio | 82.7532% | 2,511 |
| Assets per employee ($millions) | 3.3700% | 5,325 |
| Cash dividends to net income (ytd only)* | 55.5556% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 7,347 |
| Loan loss allowance to noncurrent loans | 36.8201% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 1.6024% | 3,972 |
| Noncurrent loans to loans | 1.9399% | 3,743 |
| Net loans and leases to total assets | 72.5935% | 2,605 |
| Net loans and leases to deposits | 81.2218% | 3,758 |
| Net loans and leases to core deposits | 97.0640% | 4,342 |
| Total domestic deposits to total assets | 89.3769% | 1,276 |
| Equity capital to assets | 10.0712% | 3,662 |
| Core capital (leverage) ratio | 10.0000% | 3,092 |
| Tier 1 risk-based capital ratio | 16.3629% | 2,369 |
| Total risk-based capital ratio | 17.2115% | 2,469 |
| Memoranda: | ||
| Average total assets | $16,443,600 | 7,867 |
| Average earning assets | $15,281,600 | 7,838 |
| Average equity | $1,703,200 | 7,893 |
| Average total loans | $12,024,400 | 7,602 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1954% | 1,390 |
| Cost of funding earning assets | 2.5044% | 1,287 |
| Net interest margin | 3.6911% | 4,108 |
| Noninterest income to average assets | 0.2937% | 6,125 |
| Noninterest expense to average assets | 3.1166% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5385% | 3,835 |
| Return on assets (ROA) | 0.5385% | 3,920 |
| Pretax return on assets | 0.6283% | 4,090 |
| Return on Equity (ROE) | 5.1620% | 3,899 |
| Retained earnings to average equity (ytd only) | 5.1620% | 2,397 |
| Net charge-offs to loans | -0.0893% | 7,915 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2244% | 2,404 |
| Assets per employee ($millions) | 3.3206% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6695% | 7,446 |
| Loan loss allowance to noncurrent loans | 230.5556% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 6,414 |
| Noncurrent loans to loans | 0.2904% | 6,780 |
| Net loans and leases to total assets | 74.1733% | 2,474 |
| Net loans and leases to deposits | 83.4011% | 3,756 |
| Net loans and leases to core deposits | 100.0081% | 4,371 |
| Total domestic deposits to total assets | 88.9357% | 1,227 |
| Equity capital to assets | 10.5162% | 3,492 |
| Core capital (leverage) ratio | 10.4413% | 2,838 |
| Tier 1 risk-based capital ratio | 17.0725% | 2,255 |
| Total risk-based capital ratio | 17.8840% | 2,331 |
| Memoranda: | ||
| Average total assets | $16,342,000 | 7,950 |
| Average earning assets | $15,279,750 | 7,919 |
| Average equity | $1,704,750 | 7,976 |
| Average total loans | $11,950,500 | 7,680 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1369% | 1,659 |
| Cost of funding earning assets | 2.5668% | 1,381 |
| Net interest margin | 3.5701% | 4,498 |
| Noninterest income to average assets | 0.2584% | 6,429 |
| Noninterest expense to average assets | 2.9898% | 4,126 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5660% | 3,823 |
| Return on assets (ROA) | 0.5660% | 3,938 |
| Pretax return on assets | 0.6398% | 4,198 |
| Return on Equity (ROE) | 5.4406% | 3,887 |
| Retained earnings to average equity (ytd only) | 5.4406% | 2,276 |
| Net charge-offs to loans | -0.1356% | 7,995 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3729% | 2,680 |
| Assets per employee ($millions) | 3.2950% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6801% | 7,464 |
| Loan loss allowance to noncurrent loans | 207.5000% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 6,344 |
| Noncurrent loans to loans | 0.3278% | 6,692 |
| Net loans and leases to total assets | 73.5721% | 2,822 |
| Net loans and leases to deposits | 82.6638% | 4,111 |
| Net loans and leases to core deposits | 99.1980% | 4,584 |
| Total domestic deposits to total assets | 89.0015% | 1,273 |
| Equity capital to assets | 10.3976% | 3,519 |
| Core capital (leverage) ratio | 10.3323% | 2,970 |
| Tier 1 risk-based capital ratio | 17.1867% | 2,243 |
| Total risk-based capital ratio | 18.0195% | 2,319 |
| Memoranda: | ||
| Average total assets | $16,255,000 | 8,037 |
| Average earning assets | $15,349,670 | 7,998 |
| Average equity | $1,691,000 | 8,060 |
| Average total loans | $11,801,330 | 7,758 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0865% | 1,994 |
| Cost of funding earning assets | 2.6159% | 1,508 |
| Net interest margin | 3.4706% | 4,850 |
| Noninterest income to average assets | 0.2973% | 6,058 |
| Noninterest expense to average assets | 2.8987% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6442% | 3,817 |
| Return on assets (ROA) | 0.6442% | 3,999 |
| Pretax return on assets | 0.7185% | 4,364 |
| Return on Equity (ROE) | 6.1905% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.1905% | 2,549 |
| Net charge-offs to loans | -0.2759% | 8,053 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1370% | 2,796 |
| Assets per employee ($millions) | 3.2806% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7255% | 7,370 |
| Loan loss allowance to noncurrent loans | 88.2979% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.7742% | 5,232 |
| Noncurrent loans to loans | 0.8217% | 5,391 |
| Net loans and leases to total assets | 69.2373% | 3,863 |
| Net loans and leases to deposits | 77.6919% | 4,974 |
| Net loans and leases to core deposits | 92.4837% | 5,305 |
| Total domestic deposits to total assets | 89.1178% | 1,186 |
| Equity capital to assets | 10.3213% | 3,631 |
| Core capital (leverage) ratio | 10.4191% | 3,013 |
| Tier 1 risk-based capital ratio | 18.0164% | 2,048 |
| Total risk-based capital ratio | 18.8996% | 2,088 |
| Memoranda: | ||
| Average total assets | $16,145,000 | 8,086 |
| Average earning assets | $15,444,000 | 8,040 |
| Average equity | $1,680,000 | 8,117 |
| Average total loans | $11,600,000 | 7,820 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5656% | 2,644 |
| Cost of funding earning assets | 2.8778% | 2,362 |
| Net interest margin | 3.6878% | 4,519 |
| Noninterest income to average assets | 0.3346% | 6,059 |
| Noninterest expense to average assets | 3.2641% | 3,095 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4861% | 4,803 |
| Return on assets (ROA) | 0.4861% | 4,624 |
| Pretax return on assets | 0.6061% | 4,673 |
| Return on Equity (ROE) | 4.7205% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.7205% | 2,193 |
| Net charge-offs to loans | 0.1127% | 5,140 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 7.3846% | 3,127 |
| Efficiency ratio | 84.3393% | 2,016 |
| Assets per employee ($millions) | 3.1774% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6378% | 7,586 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 1.6240% | 2,997 |
| Noncurrent loans to loans | 1.9133% | 2,877 |
| Net loans and leases to total assets | 73.5507% | 3,219 |
| Net loans and leases to deposits | 82.7257% | 4,619 |
| Net loans and leases to core deposits | 99.0674% | 4,920 |
| Total domestic deposits to total assets | 88.9092% | 1,084 |
| Equity capital to assets | 10.4929% | 3,513 |
| Core capital (leverage) ratio | 10.3863% | 3,085 |
| Tier 1 risk-based capital ratio | 17.5142% | 2,177 |
| Total risk-based capital ratio | 18.3022% | 2,248 |
| Memoranda: | ||
| Average total assets | $15,839,200 | 8,142 |
| Average earning assets | $15,185,200 | 8,099 |
| Average equity | $1,631,200 | 8,192 |
| Average total loans | $11,535,200 | 7,861 |