Home > First American State Bank > Performance and Condition Ratios
First American State Bank, Performance and Condition Ratios
| 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 | 12.2474% | 11 |
| Cost of funding earning assets | 0.3238% | 4,360 |
| Net interest margin | 11.9236% | 10 |
| Noninterest income to average assets | 4.3906% | 104 |
| Noninterest expense to average assets | 7.7325% | 93 |
| Loan and lease loss provision to assets | 6.3022% | 5 |
| Net operating income to assets | 1.0574% | 2,838 |
| Return on assets (ROA) | 1.0574% | 2,849 |
| Pretax return on assets | 1.4494% | 2,060 |
| Return on Equity (ROE) | 7.3008% | 3,819 |
| Retained earnings to average equity (ytd only) | 7.3008% | 1,972 |
| Net charge-offs to loans | 7.4387% | 8 |
| Credit loss provision to net charge-offs | 107.3493% | 2,147 |
| Earnings coverage of net charge-offs (x) | 1.3204% | 3,362 |
| Efficiency ratio | 49.9386% | 4,947 |
| Assets per employee ($millions) | 3.4005% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7429% | 5 |
| Loan loss allowance to noncurrent loans | 722.8070% | 788 |
| Noncurrent assets plus other real estate owned to assets | 1.4749% | 875 |
| Noncurrent loans to loans | 1.3479% | 1,235 |
| Net loans and leases to total assets | 73.3882% | 2,096 |
| Net loans and leases to deposits | 89.1374% | 2,003 |
| Net loans and leases to core deposits | 91.9284% | 2,489 |
| Total domestic deposits to total assets | 82.3316% | 3,513 |
| Equity capital to assets | 15.3701% | 647 |
| Core capital (leverage) ratio | 15.8941% | 533 |
| Tier 1 risk-based capital ratio | 19.3226% | 1,467 |
| Total risk-based capital ratio | 20.6827% | 1,418 |
| Memoranda: | ||
| Average total assets | $91,162,250 | 4,294 |
| Average earning assets | $84,815,750 | 4,284 |
| Average equity | $13,203,750 | 3,886 |
| Average total loans | $71,946,750 | 3,866 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9674% | 13 |
| Cost of funding earning assets | 0.2967% | 4,438 |
| Net interest margin | 11.6707% | 11 |
| Noninterest income to average assets | 4.3788% | 109 |
| Noninterest expense to average assets | 7.9345% | 91 |
| Loan and lease loss provision to assets | 6.4097% | 3 |
| Net operating income to assets | 0.6473% | 4,351 |
| Return on assets (ROA) | 0.6473% | 4,358 |
| Pretax return on assets | 0.8840% | 4,010 |
| Return on Equity (ROE) | 4.5582% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.5582% | 3,315 |
| Net charge-offs to loans | 7.7620% | 5 |
| Credit loss provision to net charge-offs | 105.6570% | 1,942 |
| Earnings coverage of net charge-offs (x) | 1.2023% | 3,082 |
| Efficiency ratio | 52.1038% | 4,880 |
| Assets per employee ($millions) | 3.6585% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7253% | 5 |
| Loan loss allowance to noncurrent loans | 781.2287% | 752 |
| Noncurrent assets plus other real estate owned to assets | 1.3273% | 1,058 |
| Noncurrent loans to loans | 1.2449% | 1,387 |
| Net loans and leases to total assets | 69.6934% | 2,628 |
| Net loans and leases to deposits | 84.1358% | 2,518 |
| Net loans and leases to core deposits | 86.3598% | 2,893 |
| Total domestic deposits to total assets | 82.8344% | 3,456 |
| Equity capital to assets | 14.4104% | 829 |
| Core capital (leverage) ratio | 15.0742% | 653 |
| Tier 1 risk-based capital ratio | 21.4047% | 1,107 |
| Total risk-based capital ratio | 22.7812% | 1,073 |
| Memoranda: | ||
| Average total assets | $92,079,000 | 4,316 |
| Average earning assets | $85,599,000 | 4,306 |
| Average equity | $13,075,330 | 3,924 |
| Average total loans | $71,966,330 | 3,893 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9840% | 13 |
| Cost of funding earning assets | 0.2749% | 4,544 |
| Net interest margin | 11.7091% | 12 |
| Noninterest income to average assets | 4.3296% | 110 |
| Noninterest expense to average assets | 7.8799% | 95 |
| Loan and lease loss provision to assets | 6.3385% | 8 |
| Net operating income to assets | 0.7230% | 4,013 |
| Return on assets (ROA) | 0.7230% | 4,019 |
| Pretax return on assets | 0.9915% | 3,567 |
| Return on Equity (ROE) | 5.1294% | 4,445 |
| Retained earnings to average equity (ytd only) | 5.1294% | 3,111 |
| Net charge-offs to loans | 8.5402% | 8 |
| Credit loss provision to net charge-offs | 94.3907% | 1,640 |
| Earnings coverage of net charge-offs (x) | 1.0916% | 2,592 |
| Efficiency ratio | 51.8076% | 4,972 |
| Assets per employee ($millions) | 3.7138% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3735% | 7 |
| Loan loss allowance to noncurrent loans | 644.8880% | 877 |
| Noncurrent assets plus other real estate owned to assets | 1.4670% | 966 |
| Noncurrent loans to loans | 1.4535% | 1,218 |
| Net loans and leases to total assets | 68.9695% | 2,635 |
| Net loans and leases to deposits | 82.2668% | 2,568 |
| Net loans and leases to core deposits | 84.3774% | 2,944 |
| Total domestic deposits to total assets | 83.8363% | 3,394 |
| Equity capital to assets | 14.0666% | 875 |
| Core capital (leverage) ratio | 14.2467% | 819 |
| Tier 1 risk-based capital ratio | 19.6668% | 1,401 |
| Total risk-based capital ratio | 21.0290% | 1,355 |
| Memoranda: | ||
| Average total assets | $92,387,500 | 4,363 |
| Average earning assets | $85,847,500 | 4,348 |
| Average equity | $13,023,000 | 3,964 |
| Average total loans | $72,644,500 | 3,920 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5782% | 14 |
| Cost of funding earning assets | 0.2658% | 4,427 |
| Net interest margin | 11.3124% | 13 |
| Noninterest income to average assets | 4.1302% | 128 |
| Noninterest expense to average assets | 7.0922% | 112 |
| Loan and lease loss provision to assets | 6.6699% | 5 |
| Net operating income to assets | 0.5302% | 4,292 |
| Return on assets (ROA) | 0.5302% | 4,325 |
| Pretax return on assets | 0.8787% | 3,980 |
| Return on Equity (ROE) | 4.0003% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.0003% | 2,798 |
| Net charge-offs to loans | 7.4132% | 7 |
| Credit loss provision to net charge-offs | 117.1679% | 2,233 |
| Earnings coverage of net charge-offs (x) | 1.3260% | 3,904 |
| Efficiency ratio | 48.4410% | 5,291 |
| Assets per employee ($millions) | 3.6772% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9908% | 6 |
| Loan loss allowance to noncurrent loans | 573.5043% | 981 |
| Noncurrent assets plus other real estate owned to assets | 1.6371% | 803 |
| Noncurrent loans to loans | 1.5677% | 1,078 |
| Net loans and leases to total assets | 73.8837% | 1,939 |
| Net loans and leases to deposits | 88.6166% | 1,942 |
| Net loans and leases to core deposits | 90.6170% | 2,501 |
| Total domestic deposits to total assets | 83.3745% | 3,433 |
| Equity capital to assets | 14.1258% | 868 |
| Core capital (leverage) ratio | 14.4286% | 744 |
| Tier 1 risk-based capital ratio | 19.9148% | 1,341 |
| Total risk-based capital ratio | 21.2813% | 1,276 |
| Memoranda: | ||
| Average total assets | $96,387,800 | 4,305 |
| Average earning assets | $89,556,400 | 4,297 |
| Average equity | $12,774,000 | 4,020 |
| Average total loans | $74,016,800 | 3,868 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2414% | 14 |
| Cost of funding earning assets | 0.2579% | 4,497 |
| Net interest margin | 10.9835% | 13 |
| Noninterest income to average assets | 4.0873% | 137 |
| Noninterest expense to average assets | 6.9987% | 120 |
| Loan and lease loss provision to assets | 6.4448% | 6 |
| Net operating income to assets | 0.5073% | 4,708 |
| Return on assets (ROA) | 0.5073% | 4,741 |
| Pretax return on assets | 0.8355% | 4,255 |
| Return on Equity (ROE) | 3.8885% | 4,886 |
| Retained earnings to average equity (ytd only) | 3.8885% | 3,608 |
| Net charge-offs to loans | 7.2168% | 8 |
| Credit loss provision to net charge-offs | 117.8839% | 2,032 |
| Earnings coverage of net charge-offs (x) | 1.3317% | 3,579 |
| Efficiency ratio | 49.0136% | 5,288 |
| Assets per employee ($millions) | 3.8272% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3842% | 7 |
| Loan loss allowance to noncurrent loans | 566.1135% | 930 |
| Noncurrent assets plus other real estate owned to assets | 1.1967% | 1,378 |
| Noncurrent loans to loans | 1.4810% | 1,261 |
| Net loans and leases to total assets | 74.0272% | 1,910 |
| Net loans and leases to deposits | 87.7184% | 2,098 |
| Net loans and leases to core deposits | 90.1776% | 2,596 |
| Total domestic deposits to total assets | 84.3919% | 2,960 |
| Equity capital to assets | 13.5074% | 1,158 |
| Core capital (leverage) ratio | 13.8983% | 916 |
| Tier 1 risk-based capital ratio | 18.9207% | 1,613 |
| Total risk-based capital ratio | 20.2779% | 1,541 |
| Memoranda: | ||
| Average total assets | $97,502,000 | 4,323 |
| Average earning assets | $90,472,750 | 4,321 |
| Average equity | $12,721,000 | 4,064 |
| Average total loans | $73,863,000 | 3,908 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9590% | 16 |
| Cost of funding earning assets | 0.2468% | 4,566 |
| Net interest margin | 10.7123% | 15 |
| Noninterest income to average assets | 4.0282% | 146 |
| Noninterest expense to average assets | 6.8516% | 129 |
| Loan and lease loss provision to assets | 6.2053% | 9 |
| Net operating income to assets | 0.5239% | 4,635 |
| Return on assets (ROA) | 0.5239% | 4,666 |
| Pretax return on assets | 0.8827% | 3,985 |
| Return on Equity (ROE) | 4.0622% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.0622% | 3,287 |
| Net charge-offs to loans | 7.5062% | 9 |
| Credit loss provision to net charge-offs | 111.5427% | 1,867 |
| Earnings coverage of net charge-offs (x) | 1.2741% | 3,302 |
| Efficiency ratio | 49.1518% | 5,349 |
| Assets per employee ($millions) | 4.0425% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9730% | 10 |
| Loan loss allowance to noncurrent loans | 778.6172% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.8050% | 2,198 |
| Noncurrent loans to loans | 1.0240% | 1,922 |
| Net loans and leases to total assets | 72.3449% | 2,142 |
| Net loans and leases to deposits | 85.9717% | 2,229 |
| Net loans and leases to core deposits | 87.5316% | 2,744 |
| Total domestic deposits to total assets | 84.1497% | 3,141 |
| Equity capital to assets | 13.2127% | 1,272 |
| Core capital (leverage) ratio | 13.7303% | 933 |
| Tier 1 risk-based capital ratio | 18.8230% | 1,631 |
| Total risk-based capital ratio | 20.1724% | 1,567 |
| Memoranda: | ||
| Average total assets | $98,109,000 | 4,342 |
| Average earning assets | $90,774,330 | 4,337 |
| Average equity | $12,653,330 | 4,087 |
| Average total loans | $72,713,330 | 3,958 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7035% | 18 |
| Cost of funding earning assets | 0.2422% | 4,607 |
| Net interest margin | 10.4614% | 16 |
| Noninterest income to average assets | 3.9978% | 145 |
| Noninterest expense to average assets | 6.7833% | 131 |
| Loan and lease loss provision to assets | 6.0332% | 8 |
| Net operating income to assets | 0.4947% | 4,622 |
| Return on assets (ROA) | 0.4947% | 4,643 |
| Pretax return on assets | 0.8150% | 4,061 |
| Return on Equity (ROE) | 3.8821% | 4,827 |
| Retained earnings to average equity (ytd only) | 3.8821% | 3,512 |
| Net charge-offs to loans | 8.1652% | 7 |
| Credit loss provision to net charge-offs | 102.7624% | 1,536 |
| Earnings coverage of net charge-offs (x) | 1.1664% | 2,753 |
| Efficiency ratio | 49.7620% | 5,389 |
| Assets per employee ($millions) | 4.2863% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1270% | 11 |
| Loan loss allowance to noncurrent loans | 752.2021% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 2,339 |
| Noncurrent loans to loans | 1.0804% | 1,895 |
| Net loans and leases to total assets | 66.5882% | 2,883 |
| Net loans and leases to deposits | 77.9866% | 2,965 |
| Net loans and leases to core deposits | 79.8302% | 3,314 |
| Total domestic deposits to total assets | 85.3842% | 2,931 |
| Equity capital to assets | 12.8194% | 1,342 |
| Core capital (leverage) ratio | 13.1360% | 1,090 |
| Tier 1 risk-based capital ratio | 19.4667% | 1,499 |
| Total risk-based capital ratio | 20.8176% | 1,456 |
| Memoranda: | ||
| Average total assets | $98,653,500 | 4,377 |
| Average earning assets | $90,848,500 | 4,375 |
| Average equity | $12,570,500 | 4,127 |
| Average total loans | $70,935,000 | 4,031 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.4657% | 4 |
| Cost of funding earning assets | 0.6230% | 1,183 |
| Net interest margin | 22.8428% | 4 |
| Noninterest income to average assets | 8.8823% | 69 |
| Noninterest expense to average assets | 16.4250% | 44 |
| Loan and lease loss provision to assets | 12.4062% | 2 |
| Net operating income to assets | 0.5091% | 4,595 |
| Return on assets (ROA) | 0.5091% | 4,671 |
| Pretax return on assets | 0.9549% | 3,636 |
| Return on Equity (ROE) | 4.1769% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.1769% | 2,936 |
| Net charge-offs to loans | 17.6138% | 1 |
| Credit loss provision to net charge-offs | 136.9948% | 1,985 |
| Earnings coverage of net charge-offs (x) | 1.4754% | 3,981 |
| Efficiency ratio | 55.1434% | 5,136 |
| Assets per employee ($millions) | 4.4874% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1898% | 8 |
| Loan loss allowance to noncurrent loans | 774.0940% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.7546% | 2,477 |
| Noncurrent loans to loans | 1.0580% | 1,960 |
| Net loans and leases to total assets | 65.4869% | 3,148 |
| Net loans and leases to deposits | 77.4075% | 3,168 |
| Net loans and leases to core deposits | 78.9108% | 3,487 |
| Total domestic deposits to total assets | 84.6002% | 3,208 |
| Equity capital to assets | 12.6649% | 1,416 |
| Core capital (leverage) ratio | 13.2668% | 1,040 |
| Tier 1 risk-based capital ratio | 18.9310% | 1,620 |
| Total risk-based capital ratio | 20.2786% | 1,553 |
| Memoranda: | ||
| Average total assets | $42,624,000 | 5,495 |
| Average earning assets | $39,005,800 | 5,488 |
| Average equity | $5,195,200 | 5,437 |
| Average total loans | $21,914,600 | 5,449 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4896% | 253 |
| Cost of funding earning assets | 0.2044% | 5,024 |
| Net interest margin | 5.2851% | 147 |
| Noninterest income to average assets | 1.9813% | 350 |
| Noninterest expense to average assets | 4.0279% | 569 |
| Loan and lease loss provision to assets | 3.4359% | 14 |
| Net operating income to assets | -0.6620% | 5,878 |
| Return on assets (ROA) | -0.6620% | 5,882 |
| Pretax return on assets | -0.6620% | 5,876 |
| Return on Equity (ROE) | -5.6210% | 5,871 |
| Retained earnings to average equity (ytd only) | -5.6210% | 5,752 |
| Net charge-offs to loans | 5.2303% | 6 |
| Credit loss provision to net charge-offs | 191.9271% | 1,480 |
| Earnings coverage of net charge-offs (x) | 1.5495% | 3,681 |
| Efficiency ratio | 59.2186% | 4,659 |
| Assets per employee ($millions) | 5.4616% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1739% | 9 |
| Loan loss allowance to noncurrent loans | 808.1081% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 3,799 |
| Noncurrent loans to loans | 1.0115% | 2,219 |
| Net loans and leases to total assets | 36.9013% | 5,513 |
| Net loans and leases to deposits | 42.8007% | 5,558 |
| Net loans and leases to core deposits | 42.8007% | 5,617 |
| Total domestic deposits to total assets | 86.2165% | 2,252 |
| Equity capital to assets | 12.1466% | 2,007 |
| Core capital (leverage) ratio | 11.3483% | 2,158 |
| Tier 1 risk-based capital ratio | 22.6642% | 1,047 |
| Total risk-based capital ratio | 23.9805% | 1,026 |
| Memoranda: | ||
| Average total assets | $28,599,500 | 5,792 |
| Average earning assets | $26,085,000 | 5,784 |
| Average equity | $3,368,250 | 5,777 |
| Average total loans | $9,789,000 | 5,835 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9423% | 653 |
| Cost of funding earning assets | 0.2001% | 5,143 |
| Net interest margin | 4.7422% | 402 |
| Noninterest income to average assets | 1.8050% | 397 |
| Noninterest expense to average assets | 3.7961% | 770 |
| Loan and lease loss provision to assets | 3.0382% | 20 |
| Net operating income to assets | -0.6200% | 5,939 |
| Return on assets (ROA) | -0.6200% | 5,943 |
| Pretax return on assets | -0.6200% | 5,933 |
| Return on Equity (ROE) | -5.3171% | 5,932 |
| Retained earnings to average equity (ytd only) | -5.3171% | 5,758 |
| Net charge-offs to loans | 4.8329% | 22 |
| Credit loss provision to net charge-offs | 194.2731% | 1,327 |
| Earnings coverage of net charge-offs (x) | 1.5463% | 3,397 |
| Efficiency ratio | 61.0865% | 4,498 |
| Assets per employee ($millions) | 7.2920% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9844% | 10 |
| Loan loss allowance to noncurrent loans | 1,009.3333% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 4,469 |
| Noncurrent loans to loans | 0.7911% | 2,770 |
| Net loans and leases to total assets | 29.9095% | 5,780 |
| Net loans and leases to deposits | 34.3762% | 5,815 |
| Net loans and leases to core deposits | 34.3762% | 5,840 |
| Total domestic deposits to total assets | 87.0063% | 1,914 |
| Equity capital to assets | 11.5538% | 2,491 |
| Core capital (leverage) ratio | 11.2473% | 2,196 |
| Tier 1 risk-based capital ratio | 24.1687% | 886 |
| Total risk-based capital ratio | 25.4747% | 866 |
| Memoranda: | ||
| Average total assets | $29,030,000 | 5,863 |
| Average earning assets | $26,991,670 | 5,842 |
| Average equity | $3,385,330 | 5,843 |
| Average total loans | $9,394,000 | 5,915 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 983 |
| Cost of funding earning assets | 0.2071% | 5,136 |
| Net interest margin | 4.5275% | 578 |
| Noninterest income to average assets | 1.6574% | 438 |
| Noninterest expense to average assets | 3.9778% | 620 |
| Loan and lease loss provision to assets | 2.4170% | 31 |
| Net operating income to assets | -0.5110% | 5,965 |
| Return on assets (ROA) | -0.5110% | 5,972 |
| Pretax return on assets | -0.5110% | 5,964 |
| Return on Equity (ROE) | -4.3619% | 5,962 |
| Retained earnings to average equity (ytd only) | -4.3619% | 5,570 |
| Net charge-offs to loans | 4.4062% | 20 |
| Credit loss provision to net charge-offs | 169.9029% | 1,192 |
| Earnings coverage of net charge-offs (x) | 1.3398% | 2,831 |
| Efficiency ratio | 67.6056% | 3,526 |
| Assets per employee ($millions) | 7.3290% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9008% | 18 |
| Loan loss allowance to noncurrent loans | 1,397.7273% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 4,975 |
| Noncurrent loans to loans | 0.4937% | 3,693 |
| Net loans and leases to total assets | 28.3020% | 5,866 |
| Net loans and leases to deposits | 32.4736% | 5,892 |
| Net loans and leases to core deposits | 32.4736% | 5,912 |
| Total domestic deposits to total assets | 87.1538% | 2,129 |
| Equity capital to assets | 11.5909% | 2,360 |
| Core capital (leverage) ratio | 11.3476% | 2,097 |
| Tier 1 risk-based capital ratio | 25.1614% | 797 |
| Total risk-based capital ratio | 26.4602% | 779 |
| Memoranda: | ||
| Average total assets | $28,961,000 | 5,922 |
| Average earning assets | $27,034,500 | 5,895 |
| Average equity | $3,393,000 | 5,894 |
| Average total loans | $9,350,500 | 5,974 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9486% | 5,777 |
| Cost of funding earning assets | 0.2088% | 5,207 |
| Net interest margin | 2.7398% | 5,602 |
| Noninterest income to average assets | 0.9698% | 1,260 |
| Noninterest expense to average assets | 3.0332% | 2,436 |
| Loan and lease loss provision to assets | 1.5383% | 46 |
| Net operating income to assets | -1.0601% | 6,102 |
| Return on assets (ROA) | -1.0601% | 6,103 |
| Pretax return on assets | -1.0133% | 6,099 |
| Return on Equity (ROE) | -9.4548% | 6,096 |
| Retained earnings to average equity (ytd only) | -9.4548% | 6,027 |
| Net charge-offs to loans | 0.8830% | 243 |
| Credit loss provision to net charge-offs | 696.9697% | 483 |
| Earnings coverage of net charge-offs (x) | 2.3788% | 3,918 |
| Efficiency ratio | 85.2444% | 1,069 |
| Assets per employee ($millions) | 7.1515% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5573% | 38 |
| Loan loss allowance to noncurrent loans | 1,360.0000% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 5,031 |
| Noncurrent loans to loans | 0.4086% | 3,991 |
| Net loans and leases to total assets | 32.3184% | 5,828 |
| Net loans and leases to deposits | 37.2933% | 5,856 |
| Net loans and leases to core deposits | 37.2933% | 5,897 |
| Total domestic deposits to total assets | 86.6601% | 2,292 |
| Equity capital to assets | 11.8437% | 2,077 |
| Core capital (leverage) ratio | 11.2127% | 2,201 |
| Tier 1 risk-based capital ratio | 24.3508% | 881 |
| Total risk-based capital ratio | 25.6382% | 860 |
| Memoranda: | ||
| Average total assets | $29,902,600 | 5,959 |
| Average earning assets | $28,250,600 | 5,933 |
| Average equity | $3,352,800 | 5,945 |
| Average total loans | $7,474,600 | 6,076 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4163% | 6,116 |
| Cost of funding earning assets | 0.2103% | 5,289 |
| Net interest margin | 2.2059% | 6,073 |
| Noninterest income to average assets | 1.0057% | 1,171 |
| Noninterest expense to average assets | 2.9510% | 2,671 |
| Loan and lease loss provision to assets | 1.1469% | 56 |
| Net operating income to assets | -1.5394% | 6,215 |
| Return on assets (ROA) | -1.5394% | 6,216 |
| Pretax return on assets | -1.0101% | 6,188 |
| Return on Equity (ROE) | -13.9151% | 6,208 |
| Retained earnings to average equity (ytd only) | -13.9151% | 6,170 |
| Net charge-offs to loans | 0.1160% | 1,969 |
| Credit loss provision to net charge-offs | 4,333.3333% | 95 |
| Earnings coverage of net charge-offs (x) | 5.1663% | 3,245 |
| Efficiency ratio | 95.5714% | 428 |
| Assets per employee ($millions) | 7.1963% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3713% | 72 |
| Loan loss allowance to noncurrent loans | 2,335.2941% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 5,538 |
| Noncurrent loans to loans | 0.1872% | 4,898 |
| Net loans and leases to total assets | 30.1720% | 5,965 |
| Net loans and leases to deposits | 34.7734% | 6,005 |
| Net loans and leases to core deposits | 34.7734% | 6,035 |
| Total domestic deposits to total assets | 86.7674% | 2,156 |
| Equity capital to assets | 11.8360% | 2,231 |
| Core capital (leverage) ratio | 10.8111% | 2,704 |
| Tier 1 risk-based capital ratio | 16.6253% | 2,512 |
| Total risk-based capital ratio | 17.8877% | 2,469 |
| Memoranda: | ||
| Average total assets | $30,226,750 | 6,036 |
| Average earning assets | $28,528,500 | 6,010 |
| Average equity | $3,344,000 | 6,026 |
| Average total loans | $6,896,000 | 6,171 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9823% | 6,264 |
| Cost of funding earning assets | 0.2065% | 5,385 |
| Net interest margin | 1.7758% | 6,250 |
| Noninterest income to average assets | 0.8272% | 1,670 |
| Noninterest expense to average assets | 2.6899% | 3,626 |
| Loan and lease loss provision to assets | 0.6578% | 132 |
| Net operating income to assets | -1.6218% | 6,294 |
| Return on assets (ROA) | -1.6218% | 6,293 |
| Pretax return on assets | -0.8402% | 6,241 |
| Return on Equity (ROE) | -14.9865% | 6,277 |
| Retained earnings to average equity (ytd only) | -14.9865% | 6,231 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2727% | 204 |
| Assets per employee ($millions) | 6.3216% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2664% | 200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 23.3295% | 6,169 |
| Net loans and leases to deposits | 26.4462% | 6,190 |
| Net loans and leases to core deposits | 26.4462% | 6,199 |
| Total domestic deposits to total assets | 88.2150% | 1,539 |
| Equity capital to assets | 10.9593% | 2,926 |
| Core capital (leverage) ratio | 10.4915% | 2,970 |
| Tier 1 risk-based capital ratio | 59.1044% | 102 |
| Total risk-based capital ratio | 60.3988% | 102 |
| Memoranda: | ||
| Average total assets | $30,707,330 | 6,096 |
| Average earning assets | $29,056,670 | 6,065 |
| Average equity | $3,323,000 | 6,087 |
| Average total loans | $6,167,330 | 6,256 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8800% | 6,345 |
| Cost of funding earning assets | 0.2104% | 5,412 |
| Net interest margin | 1.6696% | 6,330 |
| Noninterest income to average assets | 0.3569% | 4,343 |
| Noninterest expense to average assets | 2.5779% | 4,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.2342% | 6,374 |
| Return on assets (ROA) | -2.2342% | 6,375 |
| Pretax return on assets | -0.6478% | 6,263 |
| Return on Equity (ROE) | -20.7840% | 6,361 |
| Retained earnings to average equity (ytd only) | -20.7840% | 6,281 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.5616% | 74 |
| Assets per employee ($millions) | 6.5298% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1890% | 249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 13.7615% | 6,334 |
| Net loans and leases to deposits | 15.5542% | 6,348 |
| Net loans and leases to core deposits | 15.5542% | 6,343 |
| Total domestic deposits to total assets | 88.4744% | 1,556 |
| Equity capital to assets | 11.0539% | 2,913 |
| Core capital (leverage) ratio | 5.1809% | 6,361 |
| Tier 1 risk-based capital ratio | 77.4809% | 70 |
| Total risk-based capital ratio | 78.7691% | 71 |
| Memoranda: | ||
| Average total assets | $30,257,000 | 6,171 |
| Average earning assets | $28,510,500 | 6,137 |
| Average equity | $3,252,500 | 6,162 |
| Average total loans | $5,439,500 | 6,338 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4663% | 6,336 |
| Cost of funding earning assets | 0.2703% | 5,099 |
| Net interest margin | 2.1960% | 6,312 |
| Noninterest income to average assets | 0.4254% | 4,004 |
| Noninterest expense to average assets | 2.4875% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0306% | 6,055 |
| Return on assets (ROA) | 0.1361% | 5,947 |
| Pretax return on assets | 0.0613% | 6,033 |
| Return on Equity (ROE) | 1.4211% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.4211% | 5,128 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8106% | 331 |
| Assets per employee ($millions) | 4.6442% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3726% | 644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 21.8554% | 6,345 |
| Net loans and leases to deposits | 24.4824% | 6,362 |
| Net loans and leases to core deposits | 24.4824% | 6,365 |
| Total domestic deposits to total assets | 89.2697% | 1,086 |
| Equity capital to assets | 10.3930% | 3,618 |
| Core capital (leverage) ratio | 9.6833% | 3,994 |
| Tier 1 risk-based capital ratio | 28.8086% | 582 |
| Total risk-based capital ratio | 30.0643% | 563 |
| Memoranda: | ||
| Average total assets | $29,386,600 | 6,260 |
| Average earning assets | $27,003,800 | 6,244 |
| Average equity | $2,814,800 | 6,301 |
| Average total loans | $6,191,600 | 6,416 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5568% | 6,391 |
| Cost of funding earning assets | 0.2830% | 5,062 |
| Net interest margin | 2.2738% | 6,349 |
| Noninterest income to average assets | 0.4389% | 3,958 |
| Noninterest expense to average assets | 2.4277% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0985% | 6,031 |
| Return on assets (ROA) | 0.2374% | 5,820 |
| Pretax return on assets | 0.2374% | 5,890 |
| Return on Equity (ROE) | 2.5285% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.5285% | 4,784 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0993% | 506 |
| Assets per employee ($millions) | 4.7075% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5123% | 643 |
| Loan loss allowance to noncurrent loans | 477.4194% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 5,722 |
| Noncurrent loans to loans | 0.5262% | 4,356 |
| Net loans and leases to total assets | 20.3328% | 6,446 |
| Net loans and leases to deposits | 22.8123% | 6,466 |
| Net loans and leases to core deposits | 22.8123% | 6,462 |
| Total domestic deposits to total assets | 89.1308% | 1,161 |
| Equity capital to assets | 10.1930% | 3,939 |
| Core capital (leverage) ratio | 9.5430% | 4,314 |
| Tier 1 risk-based capital ratio | 29.4708% | 555 |
| Total risk-based capital ratio | 30.7278% | 540 |
| Memoranda: | ||
| Average total assets | $29,767,000 | 6,329 |
| Average earning assets | $27,325,250 | 6,304 |
| Average equity | $2,794,500 | 6,378 |
| Average total loans | $6,180,000 | 6,491 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6841% | 6,396 |
| Cost of funding earning assets | 0.2799% | 5,186 |
| Net interest margin | 2.4042% | 6,359 |
| Noninterest income to average assets | 0.4030% | 4,219 |
| Noninterest expense to average assets | 2.3650% | 4,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2510% | 5,709 |
| Return on assets (ROA) | 0.4558% | 5,066 |
| Pretax return on assets | 0.4558% | 5,403 |
| Return on Equity (ROE) | 4.9886% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.9886% | 2,963 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4040% | 886 |
| Assets per employee ($millions) | 5.0228% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3190% | 878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 20.6855% | 6,496 |
| Net loans and leases to deposits | 23.0420% | 6,523 |
| Net loans and leases to core deposits | 23.0420% | 6,527 |
| Total domestic deposits to total assets | 89.7734% | 920 |
| Equity capital to assets | 9.6725% | 4,531 |
| Core capital (leverage) ratio | 9.0844% | 4,894 |
| Tier 1 risk-based capital ratio | 27.4238% | 676 |
| Total risk-based capital ratio | 28.6747% | 662 |
| Memoranda: | ||
| Average total assets | $30,274,330 | 6,377 |
| Average earning assets | $27,867,670 | 6,357 |
| Average equity | $2,766,330 | 6,436 |
| Average total loans | $6,276,330 | 6,552 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9563% | 6,275 |
| Cost of funding earning assets | 0.2884% | 5,191 |
| Net interest margin | 2.6679% | 6,145 |
| Noninterest income to average assets | 0.5141% | 3,304 |
| Noninterest expense to average assets | 2.3597% | 5,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5932% | 4,226 |
| Return on assets (ROA) | 0.5932% | 4,306 |
| Pretax return on assets | 0.5932% | 4,855 |
| Return on Equity (ROE) | 6.6865% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.6865% | 2,196 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9107% | 2,222 |
| Assets per employee ($millions) | 5.2922% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4791% | 829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 18.3353% | 6,608 |
| Net loans and leases to deposits | 20.1384% | 6,622 |
| Net loans and leases to core deposits | 20.1384% | 6,618 |
| Total domestic deposits to total assets | 91.0465% | 553 |
| Equity capital to assets | 8.7330% | 5,419 |
| Core capital (leverage) ratio | 8.7451% | 5,329 |
| Tier 1 risk-based capital ratio | 21.4644% | 1,380 |
| Total risk-based capital ratio | 22.6063% | 1,382 |
| Memoranda: | ||
| Average total assets | $30,343,000 | 6,444 |
| Average earning assets | $27,737,500 | 6,426 |
| Average equity | $2,692,000 | 6,504 |
| Average total loans | $6,223,500 | 6,621 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9190% | 6,411 |
| Cost of funding earning assets | 0.3979% | 4,678 |
| Net interest margin | 2.5211% | 6,357 |
| Noninterest income to average assets | 0.4438% | 4,130 |
| Noninterest expense to average assets | 2.6725% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0898% | 6,069 |
| Return on assets (ROA) | 0.3570% | 5,425 |
| Pretax return on assets | 0.3904% | 5,517 |
| Return on Equity (ROE) | 3.8285% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.4707% | 3,757 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5060% | 616 |
| Assets per employee ($millions) | 4.1333% | 3,565 |
| Cash dividends to net income (ytd only)* | 9.3458% | 4,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2850% | 1,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 21.8747% | 6,637 |
| Net loans and leases to deposits | 24.0537% | 6,666 |
| Net loans and leases to core deposits | 24.0537% | 6,667 |
| Total domestic deposits to total assets | 90.9411% | 595 |
| Equity capital to assets | 9.0243% | 5,006 |
| Core capital (leverage) ratio | 9.0488% | 4,931 |
| Tier 1 risk-based capital ratio | 21.2418% | 1,377 |
| Total risk-based capital ratio | 22.3904% | 1,376 |
| Memoranda: | ||
| Average total assets | $29,971,400 | 6,514 |
| Average earning assets | $27,646,400 | 6,494 |
| Average equity | $2,794,800 | 6,573 |
| Average total loans | $6,597,000 | 6,700 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8263% | 6,560 |
| Cost of funding earning assets | 0.4106% | 4,722 |
| Net interest margin | 2.4157% | 6,503 |
| Noninterest income to average assets | 0.4234% | 4,342 |
| Noninterest expense to average assets | 2.5095% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1455% | 6,043 |
| Return on assets (ROA) | 0.1455% | 6,114 |
| Pretax return on assets | 0.1455% | 6,146 |
| Return on Equity (ROE) | 1.5489% | 6,057 |
| Retained earnings to average equity (ytd only) | 1.5489% | 5,355 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5183% | 706 |
| Assets per employee ($millions) | 4.2859% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2946% | 1,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 21.0060% | 6,734 |
| Net loans and leases to deposits | 24.3490% | 6,746 |
| Net loans and leases to core deposits | 24.3490% | 6,755 |
| Total domestic deposits to total assets | 86.2705% | 3,094 |
| Equity capital to assets | 9.0664% | 5,110 |
| Core capital (leverage) ratio | 8.7801% | 5,439 |
| Tier 1 risk-based capital ratio | 20.2684% | 1,665 |
| Total risk-based capital ratio | 21.3907% | 1,674 |
| Memoranda: | ||
| Average total assets | $30,231,000 | 6,581 |
| Average earning assets | $27,927,500 | 6,566 |
| Average equity | $2,840,750 | 6,635 |
| Average total loans | $6,627,000 | 6,779 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7465% | 6,633 |
| Cost of funding earning assets | 0.4303% | 4,658 |
| Net interest margin | 2.3162% | 6,607 |
| Noninterest income to average assets | 0.3695% | 4,756 |
| Noninterest expense to average assets | 2.4944% | 4,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0066% | 6,295 |
| Return on assets (ROA) | 0.0066% | 6,359 |
| Pretax return on assets | 0.0066% | 6,345 |
| Return on Equity (ROE) | 0.0694% | 6,360 |
| Retained earnings to average equity (ytd only) | 0.0694% | 5,827 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7361% | 493 |
| Assets per employee ($millions) | 4.4453% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3933% | 1,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 19.3978% | 6,802 |
| Net loans and leases to deposits | 21.1871% | 6,828 |
| Net loans and leases to core deposits | 21.1871% | 6,832 |
| Total domestic deposits to total assets | 91.5545% | 359 |
| Equity capital to assets | 8.2302% | 6,036 |
| Core capital (leverage) ratio | 8.5328% | 5,629 |
| Tier 1 risk-based capital ratio | 19.9713% | 1,728 |
| Total risk-based capital ratio | 21.0904% | 1,732 |
| Memoranda: | ||
| Average total assets | $30,307,670 | 6,629 |
| Average earning assets | $27,890,000 | 6,614 |
| Average equity | $2,881,000 | 6,679 |
| Average total loans | $6,686,000 | 6,817 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7286% | 6,721 |
| Cost of funding earning assets | 0.4499% | 4,593 |
| Net interest margin | 2.2787% | 6,698 |
| Noninterest income to average assets | 0.4414% | 4,170 |
| Noninterest expense to average assets | 2.5549% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0134% | 6,364 |
| Return on assets (ROA) | -0.0134% | 6,431 |
| Pretax return on assets | -0.0134% | 6,421 |
| Return on Equity (ROE) | -0.1315% | 6,435 |
| Retained earnings to average equity (ytd only) | -0.1315% | 5,803 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5263% | 529 |
| Assets per employee ($millions) | 4.4377% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3999% | 1,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 19.3761% | 6,866 |
| Net loans and leases to deposits | 21.6815% | 6,890 |
| Net loans and leases to core deposits | 21.6815% | 6,892 |
| Total domestic deposits to total assets | 89.3671% | 1,445 |
| Equity capital to assets | 9.7186% | 4,540 |
| Core capital (leverage) ratio | 8.5186% | 5,565 |
| Tier 1 risk-based capital ratio | 21.0426% | 1,525 |
| Total risk-based capital ratio | 22.2222% | 1,518 |
| Memoranda: | ||
| Average total assets | $29,903,000 | 6,708 |
| Average earning assets | $27,560,000 | 6,685 |
| Average equity | $3,041,000 | 6,714 |
| Average total loans | $6,937,000 | 6,883 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1589% | 6,683 |
| Cost of funding earning assets | 0.5570% | 4,750 |
| Net interest margin | 2.6019% | 6,630 |
| Noninterest income to average assets | 0.5016% | 3,886 |
| Noninterest expense to average assets | 2.7217% | 4,326 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2712% | 5,570 |
| Return on assets (ROA) | 0.6372% | 4,315 |
| Pretax return on assets | 0.5525% | 5,127 |
| Return on Equity (ROE) | 5.9960% | 4,169 |
| Retained earnings to average equity (ytd only) | 0.1914% | 5,751 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5897% | 821 |
| Assets per employee ($millions) | 4.1060% | 3,723 |
| Cash dividends to net income (ytd only)* | 96.8085% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 2,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 26.2995% | 6,802 |
| Net loans and leases to deposits | 30.6728% | 6,815 |
| Net loans and leases to core deposits | 30.6728% | 6,836 |
| Total domestic deposits to total assets | 85.7421% | 3,491 |
| Equity capital to assets | 10.6569% | 3,329 |
| Core capital (leverage) ratio | 9.2172% | 4,549 |
| Tier 1 risk-based capital ratio | 19.8437% | 1,718 |
| Total risk-based capital ratio | 20.9561% | 1,723 |
| Memoranda: | ||
| Average total assets | $29,503,800 | 6,765 |
| Average earning assets | $27,288,200 | 6,729 |
| Average equity | $3,135,400 | 6,752 |
| Average total loans | $6,843,200 | 6,952 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2408% | 6,768 |
| Cost of funding earning assets | 0.5716% | 4,900 |
| Net interest margin | 2.6692% | 6,684 |
| Noninterest income to average assets | 0.4804% | 4,062 |
| Noninterest expense to average assets | 2.5504% | 4,916 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4041% | 5,232 |
| Return on assets (ROA) | 0.8890% | 3,276 |
| Pretax return on assets | 0.8890% | 4,158 |
| Return on Equity (ROE) | 8.3713% | 3,094 |
| Retained earnings to average equity (ytd only) | 8.3713% | 1,451 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3222% | 1,354 |
| Assets per employee ($millions) | 4.0899% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2840% | 1,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 22.1174% | 6,999 |
| Net loans and leases to deposits | 26.6017% | 7,002 |
| Net loans and leases to core deposits | 26.6017% | 7,011 |
| Total domestic deposits to total assets | 83.1430% | 4,587 |
| Equity capital to assets | 11.6455% | 2,598 |
| Core capital (leverage) ratio | 9.6298% | 4,081 |
| Tier 1 risk-based capital ratio | 22.8357% | 1,193 |
| Total risk-based capital ratio | 24.0287% | 1,187 |
| Memoranda: | ||
| Average total assets | $29,694,250 | 6,847 |
| Average earning assets | $27,523,500 | 6,813 |
| Average equity | $3,153,500 | 6,837 |
| Average total loans | $6,627,250 | 7,058 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3362% | 6,788 |
| Cost of funding earning assets | 0.5955% | 4,941 |
| Net interest margin | 2.7407% | 6,662 |
| Noninterest income to average assets | 0.3528% | 5,018 |
| Noninterest expense to average assets | 2.5425% | 4,986 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3528% | 5,416 |
| Return on assets (ROA) | 0.3528% | 5,642 |
| Pretax return on assets | 0.3528% | 5,821 |
| Return on Equity (ROE) | 3.4267% | 5,519 |
| Retained earnings to average equity (ytd only) | 3.4267% | 4,322 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8161% | 1,247 |
| Assets per employee ($millions) | 4.3874% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5847% | 1,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 18.1623% | 7,107 |
| Net loans and leases to deposits | 20.5678% | 7,128 |
| Net loans and leases to core deposits | 20.5678% | 7,135 |
| Total domestic deposits to total assets | 88.3042% | 1,956 |
| Equity capital to assets | 10.3510% | 3,881 |
| Core capital (leverage) ratio | 8.7547% | 5,286 |
| Tier 1 risk-based capital ratio | 21.6606% | 1,354 |
| Total risk-based capital ratio | 22.8537% | 1,344 |
| Memoranda: | ||
| Average total assets | $30,049,330 | 6,889 |
| Average earning assets | $27,875,670 | 6,856 |
| Average equity | $3,093,330 | 6,885 |
| Average total loans | $6,676,330 | 7,114 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 6,722 |
| Cost of funding earning assets | 0.6527% | 4,707 |
| Net interest margin | 2.8284% | 6,589 |
| Noninterest income to average assets | 0.3634% | 4,967 |
| Noninterest expense to average assets | 2.6785% | 4,511 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3096% | 5,633 |
| Return on assets (ROA) | 0.3096% | 5,797 |
| Pretax return on assets | 0.3096% | 5,959 |
| Return on Equity (ROE) | 3.0159% | 5,708 |
| Retained earnings to average equity (ytd only) | 3.0159% | 4,742 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6396% | 1,127 |
| Assets per employee ($millions) | 4.4131% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3403% | 1,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 19.9922% | 7,141 |
| Net loans and leases to deposits | 22.4672% | 7,160 |
| Net loans and leases to core deposits | 22.4672% | 7,174 |
| Total domestic deposits to total assets | 88.9842% | 1,701 |
| Equity capital to assets | 9.9120% | 4,240 |
| Core capital (leverage) ratio | 8.8848% | 5,013 |
| Tier 1 risk-based capital ratio | 20.3930% | 1,618 |
| Total risk-based capital ratio | 21.5289% | 1,616 |
| Memoranda: | ||
| Average total assets | $29,718,000 | 6,956 |
| Average earning assets | $27,577,000 | 6,917 |
| Average equity | $3,050,500 | 6,950 |
| Average total loans | $7,151,500 | 7,159 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 6,296 |
| Cost of funding earning assets | 0.9154% | 4,004 |
| Net interest margin | 3.1752% | 6,162 |
| Noninterest income to average assets | 0.5960% | 3,186 |
| Noninterest expense to average assets | 2.8540% | 4,152 |
| Loan and lease loss provision to assets | -0.2980% | 7,315 |
| Net operating income to assets | 0.6837% | 3,562 |
| Return on assets (ROA) | 0.6837% | 3,755 |
| Pretax return on assets | 0.9467% | 3,442 |
| Return on Equity (ROE) | 6.7246% | 3,527 |
| Retained earnings to average equity (ytd only) | 2.3450% | 4,554 |
| Net charge-offs to loans | -0.9087% | 7,303 |
| Credit loss provision to net charge-offs | 108.9744% | 3,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4815% | 2,087 |
| Assets per employee ($millions) | 4.0777% | 3,698 |
| Cash dividends to net income (ytd only)* | 65.1282% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8549% | 2,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 27.4348% | 7,077 |
| Net loans and leases to deposits | 33.0464% | 7,071 |
| Net loans and leases to core deposits | 33.0464% | 7,094 |
| Total domestic deposits to total assets | 83.0192% | 4,741 |
| Equity capital to assets | 10.6467% | 3,364 |
| Core capital (leverage) ratio | 9.2321% | 4,420 |
| Tier 1 risk-based capital ratio | 19.0098% | 1,889 |
| Total risk-based capital ratio | 20.0779% | 1,910 |
| Memoranda: | ||
| Average total assets | $28,521,600 | 7,011 |
| Average earning assets | $26,108,200 | 6,981 |
| Average equity | $2,899,800 | 7,029 |
| Average total loans | $8,583,800 | 7,157 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 6,109 |
| Cost of funding earning assets | 0.9680% | 3,907 |
| Net interest margin | 3.2727% | 5,942 |
| Noninterest income to average assets | 0.5190% | 3,734 |
| Noninterest expense to average assets | 2.7352% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7715% | 3,295 |
| Return on assets (ROA) | 0.7715% | 3,458 |
| Pretax return on assets | 0.7715% | 4,237 |
| Return on Equity (ROE) | 7.6785% | 3,189 |
| Retained earnings to average equity (ytd only) | 7.6785% | 1,637 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0000% | 2,545 |
| Assets per employee ($millions) | 4.0084% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2102% | 1,837 |
| Loan loss allowance to noncurrent loans | 596.1538% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 6,007 |
| Noncurrent loans to loans | 0.3707% | 6,111 |
| Net loans and leases to total assets | 24.4414% | 7,222 |
| Net loans and leases to deposits | 27.9599% | 7,242 |
| Net loans and leases to core deposits | 27.9599% | 7,256 |
| Total domestic deposits to total assets | 87.4158% | 2,398 |
| Equity capital to assets | 11.3154% | 2,849 |
| Core capital (leverage) ratio | 9.4538% | 4,222 |
| Tier 1 risk-based capital ratio | 21.3794% | 1,384 |
| Total risk-based capital ratio | 22.5928% | 1,371 |
| Memoranda: | ||
| Average total assets | $28,516,000 | 7,080 |
| Average earning assets | $26,033,000 | 7,057 |
| Average equity | $2,865,000 | 7,104 |
| Average total loans | $8,735,000 | 7,226 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0924% | 6,507 |
| Cost of funding earning assets | 1.0117% | 3,881 |
| Net interest margin | 3.0807% | 6,448 |
| Noninterest income to average assets | 0.4046% | 4,641 |
| Noninterest expense to average assets | 2.7557% | 4,609 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4744% | 4,622 |
| Return on assets (ROA) | 0.4744% | 4,760 |
| Pretax return on assets | 0.4744% | 5,158 |
| Return on Equity (ROE) | 4.9246% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.9246% | 3,048 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3132% | 1,671 |
| Assets per employee ($millions) | 4.1810% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 2,800 |
| Loan loss allowance to noncurrent loans | 51.6667% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 1.3941% | 4,134 |
| Noncurrent loans to loans | 3.5997% | 1,958 |
| Net loans and leases to total assets | 27.9462% | 7,241 |
| Net loans and leases to deposits | 31.3925% | 7,284 |
| Net loans and leases to core deposits | 31.3925% | 7,307 |
| Total domestic deposits to total assets | 89.0218% | 1,518 |
| Equity capital to assets | 10.0864% | 4,035 |
| Core capital (leverage) ratio | 9.0559% | 4,634 |
| Tier 1 risk-based capital ratio | 18.7371% | 1,924 |
| Total risk-based capital ratio | 19.8393% | 1,938 |
| Memoranda: | ||
| Average total assets | $28,668,330 | 7,140 |
| Average earning assets | $26,292,670 | 7,116 |
| Average equity | $2,761,670 | 7,187 |
| Average total loans | $9,309,000 | 7,277 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0201% | 6,657 |
| Cost of funding earning assets | 1.0280% | 4,000 |
| Net interest margin | 2.9921% | 6,591 |
| Noninterest income to average assets | 0.3807% | 4,868 |
| Noninterest expense to average assets | 2.7918% | 4,477 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3384% | 5,232 |
| Return on assets (ROA) | 0.3384% | 5,307 |
| Pretax return on assets | 0.3384% | 5,538 |
| Return on Equity (ROE) | 3.6002% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.6002% | 4,023 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1892% | 1,400 |
| Assets per employee ($millions) | 4.1397% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 3,174 |
| Loan loss allowance to noncurrent loans | 51.4950% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 1.4597% | 4,076 |
| Noncurrent loans to loans | 3.3984% | 2,204 |
| Net loans and leases to total assets | 30.0297% | 7,228 |
| Net loans and leases to deposits | 33.2798% | 7,288 |
| Net loans and leases to core deposits | 33.2798% | 7,320 |
| Total domestic deposits to total assets | 90.2340% | 1,002 |
| Equity capital to assets | 9.3243% | 4,686 |
| Core capital (leverage) ratio | 9.0297% | 4,569 |
| Tier 1 risk-based capital ratio | 17.9028% | 2,146 |
| Total risk-based capital ratio | 18.9742% | 2,177 |
| Memoranda: | ||
| Average total assets | $28,369,000 | 7,202 |
| Average earning assets | $26,069,000 | 7,170 |
| Average equity | $2,666,500 | 7,249 |
| Average total loans | $9,796,500 | 7,323 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 6,644 |
| Cost of funding earning assets | 1.3473% | 3,591 |
| Net interest margin | 3.0358% | 6,667 |
| Noninterest income to average assets | 0.6905% | 2,897 |
| Noninterest expense to average assets | 3.1714% | 3,186 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2614% | 5,069 |
| Return on assets (ROA) | 0.4291% | 4,563 |
| Pretax return on assets | 0.4291% | 4,852 |
| Return on Equity (ROE) | 4.0102% | 4,518 |
| Retained earnings to average equity (ytd only) | 1.8228% | 4,587 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3864% | 1,158 |
| Assets per employee ($millions) | 3.9657% | 3,858 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 4,314 |
| Loan loss allowance to noncurrent loans | 50.3247% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 1.5742% | 3,943 |
| Noncurrent loans to loans | 2.8689% | 2,657 |
| Net loans and leases to total assets | 38.1160% | 7,068 |
| Net loans and leases to deposits | 45.3303% | 7,068 |
| Net loans and leases to core deposits | 45.3303% | 7,161 |
| Total domestic deposits to total assets | 84.0850% | 4,318 |
| Equity capital to assets | 9.4777% | 4,431 |
| Core capital (leverage) ratio | 9.3076% | 3,999 |
| Tier 1 risk-based capital ratio | 16.3523% | 2,593 |
| Total risk-based capital ratio | 17.3400% | 2,666 |
| Memoranda: | ||
| Average total assets | $25,635,000 | 7,327 |
| Average earning assets | $23,156,800 | 7,318 |
| Average equity | $2,743,000 | 7,342 |
| Average total loans | $9,429,200 | 7,416 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 6,539 |
| Cost of funding earning assets | 1.3946% | 3,615 |
| Net interest margin | 3.1320% | 6,532 |
| Noninterest income to average assets | 0.7170% | 2,727 |
| Noninterest expense to average assets | 3.1814% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3119% | 5,116 |
| Return on assets (ROA) | 0.5152% | 4,430 |
| Pretax return on assets | 0.5789% | 4,667 |
| Return on Equity (ROE) | 4.6673% | 4,469 |
| Retained earnings to average equity (ytd only) | 4.6673% | 3,218 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0752% | 1,283 |
| Assets per employee ($millions) | 3.8519% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 3,359 |
| Loan loss allowance to noncurrent loans | 51.6667% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 1.5985% | 4,051 |
| Noncurrent loans to loans | 3.1793% | 2,504 |
| Net loans and leases to total assets | 34.4212% | 7,332 |
| Net loans and leases to deposits | 40.5408% | 7,356 |
| Net loans and leases to core deposits | 40.5408% | 7,416 |
| Total domestic deposits to total assets | 84.9052% | 3,665 |
| Equity capital to assets | 10.6813% | 3,312 |
| Core capital (leverage) ratio | 9.6080% | 3,756 |
| Tier 1 risk-based capital ratio | 18.4131% | 1,895 |
| Total risk-based capital ratio | 19.5053% | 1,905 |
| Memoranda: | ||
| Average total assets | $25,103,750 | 7,436 |
| Average earning assets | $22,562,000 | 7,428 |
| Average equity | $2,771,000 | 7,428 |
| Average total loans | $9,102,500 | 7,524 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 6,713 |
| Cost of funding earning assets | 1.4124% | 3,798 |
| Net interest margin | 3.0890% | 6,633 |
| Noninterest income to average assets | 0.6372% | 3,082 |
| Noninterest expense to average assets | 3.2266% | 2,809 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1797% | 5,632 |
| Return on assets (ROA) | 0.5310% | 4,344 |
| Pretax return on assets | 0.5310% | 4,806 |
| Return on Equity (ROE) | 4.7538% | 4,404 |
| Retained earnings to average equity (ytd only) | 4.7538% | 3,040 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7242% | 1,026 |
| Assets per employee ($millions) | 3.7669% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 3,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 6,124 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 34.8263% | 7,395 |
| Net loans and leases to deposits | 39.4696% | 7,452 |
| Net loans and leases to core deposits | 39.4696% | 7,496 |
| Total domestic deposits to total assets | 88.2357% | 1,861 |
| Equity capital to assets | 10.7744% | 3,099 |
| Core capital (leverage) ratio | 9.9969% | 3,166 |
| Tier 1 risk-based capital ratio | 18.5924% | 1,806 |
| Total risk-based capital ratio | 19.7090% | 1,812 |
| Memoranda: | ||
| Average total assets | $24,484,000 | 7,517 |
| Average earning assets | $21,949,000 | 7,504 |
| Average equity | $2,734,670 | 7,493 |
| Average total loans | $8,991,330 | 7,590 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6066% | 6,546 |
| Cost of funding earning assets | 1.4070% | 4,133 |
| Net interest margin | 3.1995% | 6,296 |
| Noninterest income to average assets | 0.5777% | 3,433 |
| Noninterest expense to average assets | 3.4831% | 2,027 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0850% | 6,422 |
| Return on assets (ROA) | -0.0850% | 6,498 |
| Pretax return on assets | -0.0850% | 6,447 |
| Return on Equity (ROE) | -0.7459% | 6,495 |
| Retained earnings to average equity (ytd only) | -0.7459% | 6,005 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5000% | 770 |
| Assets per employee ($millions) | 3.3676% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8845% | 2,497 |
| Loan loss allowance to noncurrent loans | 620.0000% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 5,731 |
| Noncurrent loans to loans | 0.3040% | 6,716 |
| Net loans and leases to total assets | 34.2341% | 7,485 |
| Net loans and leases to deposits | 38.9930% | 7,547 |
| Net loans and leases to core deposits | 38.9930% | 7,603 |
| Total domestic deposits to total assets | 87.7954% | 2,181 |
| Equity capital to assets | 11.4156% | 2,429 |
| Core capital (leverage) ratio | 10.6052% | 2,530 |
| Tier 1 risk-based capital ratio | 20.8520% | 1,366 |
| Total risk-based capital ratio | 22.1060% | 1,336 |
| Memoranda: | ||
| Average total assets | $23,542,000 | 7,636 |
| Average earning assets | $20,753,000 | 7,629 |
| Average equity | $2,681,500 | 7,586 |
| Average total loans | $8,818,000 | 7,693 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9850% | 6,485 |
| Cost of funding earning assets | 1.6697% | 4,674 |
| Net interest margin | 3.3154% | 5,678 |
| Noninterest income to average assets | 0.7690% | 2,562 |
| Noninterest expense to average assets | 3.2749% | 3,104 |
| Loan and lease loss provision to assets | 0.6481% | 3,209 |
| Net operating income to assets | -0.0994% | 5,677 |
| Return on assets (ROA) | 0.1210% | 5,200 |
| Pretax return on assets | 0.0518% | 5,325 |
| Return on Equity (ROE) | 1.0713% | 5,214 |
| Retained earnings to average equity (ytd only) | 1.0713% | 4,292 |
| Net charge-offs to loans | 1.3673% | 1,831 |
| Credit loss provision to net charge-offs | 126.0504% | 4,138 |
| Earnings coverage of net charge-offs (x) | 0.9328% | 5,177 |
| Efficiency ratio | 87.2267% | 1,963 |
| Assets per employee ($millions) | 3.3587% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6470% | 3,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6380% | 5,864 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 39.3688% | 7,382 |
| Net loans and leases to deposits | 44.7409% | 7,486 |
| Net loans and leases to core deposits | 48.9813% | 7,610 |
| Total domestic deposits to total assets | 87.9929% | 1,978 |
| Equity capital to assets | 11.3649% | 2,424 |
| Core capital (leverage) ratio | 10.6660% | 2,458 |
| Tier 1 risk-based capital ratio | 19.1929% | 1,612 |
| Total risk-based capital ratio | 20.3753% | 1,592 |
| Memoranda: | ||
| Average total assets | $23,145,800 | 7,693 |
| Average earning assets | $20,842,400 | 7,684 |
| Average equity | $2,613,600 | 7,701 |
| Average total loans | $8,703,200 | 7,757 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 6,674 |
| Cost of funding earning assets | 1.6993% | 4,903 |
| Net interest margin | 3.2778% | 5,721 |
| Noninterest income to average assets | 0.7576% | 2,661 |
| Noninterest expense to average assets | 3.1692% | 3,405 |
| Loan and lease loss provision to assets | 0.8675% | 2,213 |
| Net operating income to assets | -0.3007% | 6,199 |
| Return on assets (ROA) | -0.3007% | 6,215 |
| Pretax return on assets | -0.3007% | 6,099 |
| Return on Equity (ROE) | -2.6676% | 6,190 |
| Retained earnings to average equity (ytd only) | -2.6676% | 5,860 |
| Net charge-offs to loans | 1.8608% | 1,083 |
| Credit loss provision to net charge-offs | 126.0504% | 3,992 |
| Earnings coverage of net charge-offs (x) | 0.8235% | 5,231 |
| Efficiency ratio | 84.8297% | 2,205 |
| Assets per employee ($millions) | 3.3027% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8733% | 2,094 |
| Loan loss allowance to noncurrent loans | 101.3072% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 1.3236% | 4,436 |
| Noncurrent loans to loans | 1.8492% | 3,845 |
| Net loans and leases to total assets | 35.1183% | 7,647 |
| Net loans and leases to deposits | 40.3168% | 7,721 |
| Net loans and leases to core deposits | 43.9744% | 7,800 |
| Total domestic deposits to total assets | 87.1058% | 2,125 |
| Equity capital to assets | 11.6095% | 2,498 |
| Core capital (leverage) ratio | 10.4308% | 2,848 |
| Tier 1 risk-based capital ratio | 20.3679% | 1,487 |
| Total risk-based capital ratio | 21.6221% | 1,438 |
| Memoranda: | ||
| Average total assets | $23,054,500 | 7,767 |
| Average earning assets | $20,948,750 | 7,755 |
| Average equity | $2,599,000 | 7,784 |
| Average total loans | $8,526,250 | 7,838 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0134% | 6,722 |
| Cost of funding earning assets | 1.7252% | 5,148 |
| Net interest margin | 3.2883% | 5,598 |
| Noninterest income to average assets | 0.6252% | 3,497 |
| Noninterest expense to average assets | 3.1086% | 3,662 |
| Loan and lease loss provision to assets | 1.3025% | 1,317 |
| Net operating income to assets | -0.7902% | 6,827 |
| Return on assets (ROA) | -0.7902% | 6,825 |
| Pretax return on assets | -0.7902% | 6,675 |
| Return on Equity (ROE) | -7.0799% | 6,810 |
| Retained earnings to average equity (ytd only) | -7.0799% | 6,570 |
| Net charge-offs to loans | 2.7641% | 603 |
| Credit loss provision to net charge-offs | 126.0504% | 3,685 |
| Earnings coverage of net charge-offs (x) | 0.4958% | 5,206 |
| Efficiency ratio | 85.8513% | 2,244 |
| Assets per employee ($millions) | 3.3399% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 1,913 |
| Loan loss allowance to noncurrent loans | 101.3072% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.3131% | 4,318 |
| Noncurrent loans to loans | 1.8258% | 3,773 |
| Net loans and leases to total assets | 35.1811% | 7,734 |
| Net loans and leases to deposits | 39.9252% | 7,818 |
| Net loans and leases to core deposits | 43.2190% | 7,887 |
| Total domestic deposits to total assets | 88.1175% | 1,708 |
| Equity capital to assets | 10.9286% | 2,987 |
| Core capital (leverage) ratio | 10.4254% | 2,878 |
| Tier 1 risk-based capital ratio | 19.6314% | 1,643 |
| Total risk-based capital ratio | 20.7043% | 1,644 |
| Memoranda: | ||
| Average total assets | $23,033,000 | 7,849 |
| Average earning assets | $20,983,670 | 7,829 |
| Average equity | $2,570,670 | 7,869 |
| Average total loans | $8,610,330 | 7,923 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2117% | 6,245 |
| Cost of funding earning assets | 1.7880% | 5,172 |
| Net interest margin | 3.4238% | 5,036 |
| Noninterest income to average assets | 0.7524% | 2,584 |
| Noninterest expense to average assets | 3.2896% | 2,689 |
| Loan and lease loss provision to assets | 2.6247% | 428 |
| Net operating income to assets | -2.0122% | 7,664 |
| Return on assets (ROA) | -2.0122% | 7,660 |
| Pretax return on assets | -2.0122% | 7,537 |
| Return on Equity (ROE) | -17.8398% | 7,703 |
| Retained earnings to average equity (ytd only) | -17.8398% | 7,575 |
| Net charge-offs to loans | 4.9968% | 215 |
| Credit loss provision to net charge-offs | 137.6147% | 2,949 |
| Earnings coverage of net charge-offs (x) | 0.3211% | 4,723 |
| Efficiency ratio | 84.3049% | 2,269 |
| Assets per employee ($millions) | 3.1449% | 5,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1665% | 1,121 |
| Loan loss allowance to noncurrent loans | 50.1520% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 2.1941% | 2,604 |
| Noncurrent loans to loans | 4.3199% | 1,353 |
| Net loans and leases to total assets | 33.8466% | 7,806 |
| Net loans and leases to deposits | 38.6703% | 7,884 |
| Net loans and leases to core deposits | 41.6187% | 7,953 |
| Total domestic deposits to total assets | 87.5261% | 1,956 |
| Equity capital to assets | 11.5790% | 2,539 |
| Core capital (leverage) ratio | 10.5107% | 2,911 |
| Tier 1 risk-based capital ratio | 20.9093% | 1,463 |
| Total risk-based capital ratio | 22.1605% | 1,436 |
| Memoranda: | ||
| Average total assets | $22,860,000 | 7,902 |
| Average earning assets | $21,029,500 | 7,876 |
| Average equity | $2,578,500 | 7,915 |
| Average total loans | $8,725,500 | 7,965 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8397% | 6,297 |
| Cost of funding earning assets | 2.2924% | 5,188 |
| Net interest margin | 3.5474% | 5,110 |
| Noninterest income to average assets | 0.9351% | 1,833 |
| Noninterest expense to average assets | 3.3317% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6899% | 3,938 |
| Return on assets (ROA) | 0.6899% | 3,771 |
| Pretax return on assets | 0.7853% | 4,124 |
| Return on Equity (ROE) | 5.9857% | 3,948 |
| Retained earnings to average equity (ytd only) | -1.1420% | 5,638 |
| Net charge-offs to loans | -0.0108% | 7,864 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9261% | 2,464 |
| Assets per employee ($millions) | 3.3866% | 4,975 |
| Cash dividends to net income (ytd only)* | 119.0789% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 4,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 40.9643% | 7,627 |
| Net loans and leases to deposits | 50.4625% | 7,608 |
| Net loans and leases to core deposits | 54.3942% | 7,789 |
| Total domestic deposits to total assets | 81.1778% | 4,570 |
| Equity capital to assets | 11.0014% | 3,040 |
| Core capital (leverage) ratio | 11.0804% | 2,525 |
| Tier 1 risk-based capital ratio | 18.2431% | 1,979 |
| Total risk-based capital ratio | 19.1524% | 2,005 |
| Memoranda: | ||
| Average total assets | $22,030,800 | 7,944 |
| Average earning assets | $19,761,200 | 7,949 |
| Average equity | $2,539,400 | 7,970 |
| Average total loans | $9,236,800 | 7,977 |