Home > First State Bank > Performance and Condition Ratios
First 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 | 5.2272% | 595 |
| Cost of funding earning assets | 0.7717% | 1,470 |
| Net interest margin | 4.4555% | 810 |
| Noninterest income to average assets | 0.2323% | 4,580 |
| Noninterest expense to average assets | 1.9909% | 4,762 |
| Loan and lease loss provision to assets | 0.1891% | 947 |
| Net operating income to assets | 2.0989% | 311 |
| Return on assets (ROA) | 2.0989% | 307 |
| Pretax return on assets | 2.1854% | 406 |
| Return on Equity (ROE) | 20.0284% | 274 |
| Retained earnings to average equity (ytd only) | 4.5624% | 3,469 |
| Net charge-offs to loans | 0.4423% | 357 |
| Credit loss provision to net charge-offs | 59.3220% | 2,756 |
| Earnings coverage of net charge-offs (x) | 7.4491% | 2,809 |
| Efficiency ratio | 45.6064% | 5,161 |
| Assets per employee ($millions) | 5.4057% | 2,013 |
| Cash dividends to net income (ytd only)* | 77.2204% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 3,900 |
| Loan loss allowance to noncurrent loans | 34.1651% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 2.1418% | 477 |
| Noncurrent loans to loans | 2.8648% | 401 |
| Net loans and leases to total assets | 74.0293% | 1,975 |
| Net loans and leases to deposits | 86.9994% | 2,262 |
| Net loans and leases to core deposits | 104.3549% | 1,432 |
| Total domestic deposits to total assets | 85.0918% | 2,574 |
| Equity capital to assets | 10.9453% | 2,710 |
| Core capital (leverage) ratio | 11.2878% | 2,341 |
| Tier 1 risk-based capital ratio | 12.9735% | 3,926 |
| Total risk-based capital ratio | 13.8024% | 4,068 |
| Memoranda: | ||
| Average total assets | $49,357,750 | 5,000 |
| Average earning assets | $45,785,000 | 4,990 |
| Average equity | $5,172,500 | 5,084 |
| Average total loans | $35,568,000 | 4,720 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1193% | 641 |
| Cost of funding earning assets | 0.7127% | 1,557 |
| Net interest margin | 4.4066% | 838 |
| Noninterest income to average assets | 0.2823% | 4,293 |
| Noninterest expense to average assets | 1.9922% | 4,812 |
| Loan and lease loss provision to assets | 0.2823% | 504 |
| Net operating income to assets | 2.0245% | 367 |
| Return on assets (ROA) | 2.0245% | 363 |
| Pretax return on assets | 2.0971% | 492 |
| Return on Equity (ROE) | 19.6030% | 290 |
| Retained earnings to average equity (ytd only) | -3.8269% | 5,246 |
| Net charge-offs to loans | 0.6572% | 223 |
| Credit loss provision to net charge-offs | 60.3448% | 2,424 |
| Earnings coverage of net charge-offs (x) | 5.0862% | 2,743 |
| Efficiency ratio | 45.5720% | 5,227 |
| Assets per employee ($millions) | 5.6187% | 1,785 |
| Cash dividends to net income (ytd only)* | 119.5219% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 4,008 |
| Loan loss allowance to noncurrent loans | 29.2245% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 2.4818% | 355 |
| Noncurrent loans to loans | 3.3200% | 313 |
| Net loans and leases to total assets | 72.2591% | 2,232 |
| Net loans and leases to deposits | 82.3864% | 2,731 |
| Net loans and leases to core deposits | 97.5232% | 1,922 |
| Total domestic deposits to total assets | 87.7076% | 1,536 |
| Equity capital to assets | 10.0597% | 3,568 |
| Core capital (leverage) ratio | 10.6305% | 2,888 |
| Tier 1 risk-based capital ratio | 11.9118% | 4,555 |
| Total risk-based capital ratio | 12.7170% | 4,703 |
| Memoranda: | ||
| Average total assets | $49,593,330 | 5,053 |
| Average earning assets | $46,022,330 | 5,041 |
| Average equity | $5,121,670 | 5,146 |
| Average total loans | $35,300,000 | 4,770 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1188% | 565 |
| Cost of funding earning assets | 0.6673% | 1,617 |
| Net interest margin | 4.4515% | 681 |
| Noninterest income to average assets | 0.3095% | 4,092 |
| Noninterest expense to average assets | 2.0527% | 4,750 |
| Loan and lease loss provision to assets | 0.4073% | 273 |
| Net operating income to assets | 1.9061% | 447 |
| Return on assets (ROA) | 1.9061% | 448 |
| Pretax return on assets | 1.9794% | 594 |
| Return on Equity (ROE) | 18.2137% | 390 |
| Retained earnings to average equity (ytd only) | -12.9208% | 5,427 |
| Net charge-offs to loans | 1.3913% | 103 |
| Credit loss provision to net charge-offs | 41.6667% | 2,003 |
| Earnings coverage of net charge-offs (x) | 2.4417% | 2,461 |
| Efficiency ratio | 46.2385% | 5,267 |
| Assets per employee ($millions) | 5.5000% | 1,942 |
| Cash dividends to net income (ytd only)* | 170.9402% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 4,165 |
| Loan loss allowance to noncurrent loans | 113.9932% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 2,369 |
| Noncurrent loans to loans | 0.8435% | 2,127 |
| Net loans and leases to total assets | 69.5030% | 2,564 |
| Net loans and leases to deposits | 79.2847% | 2,890 |
| Net loans and leases to core deposits | 94.2291% | 2,118 |
| Total domestic deposits to total assets | 87.6626% | 1,809 |
| Equity capital to assets | 10.1293% | 3,474 |
| Core capital (leverage) ratio | 10.6079% | 2,843 |
| Tier 1 risk-based capital ratio | 12.1043% | 4,493 |
| Total risk-based capital ratio | 12.8789% | 4,678 |
| Memoranda: | ||
| Average total assets | $49,106,000 | 5,124 |
| Average earning assets | $45,557,500 | 5,119 |
| Average equity | $5,139,000 | 5,199 |
| Average total loans | $34,501,000 | 4,843 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 969 |
| Cost of funding earning assets | 0.6350% | 1,387 |
| Net interest margin | 4.1703% | 1,251 |
| Noninterest income to average assets | 0.3417% | 4,022 |
| Noninterest expense to average assets | 2.0480% | 4,883 |
| Loan and lease loss provision to assets | 0.1667% | 1,320 |
| Net operating income to assets | 1.9042% | 335 |
| Return on assets (ROA) | 1.9042% | 345 |
| Pretax return on assets | 1.9855% | 507 |
| Return on Equity (ROE) | 17.7448% | 328 |
| Retained earnings to average equity (ytd only) | 5.6108% | 1,765 |
| Net charge-offs to loans | -0.0489% | 5,178 |
| Credit loss provision to net charge-offs | -500.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7599% | 5,273 |
| Assets per employee ($millions) | 5.4124% | 2,035 |
| Cash dividends to net income (ytd only)* | 68.3807% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 2,903 |
| Loan loss allowance to noncurrent loans | 247.8528% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 3,269 |
| Noncurrent loans to loans | 0.4757% | 3,084 |
| Net loans and leases to total assets | 69.5106% | 2,599 |
| Net loans and leases to deposits | 79.9037% | 2,931 |
| Net loans and leases to core deposits | 92.2214% | 2,361 |
| Total domestic deposits to total assets | 86.9929% | 2,000 |
| Equity capital to assets | 10.8064% | 2,831 |
| Core capital (leverage) ratio | 11.0046% | 2,332 |
| Tier 1 risk-based capital ratio | 13.1695% | 3,809 |
| Total risk-based capital ratio | 14.1575% | 3,865 |
| Memoranda: | ||
| Average total assets | $47,998,800 | 5,192 |
| Average earning assets | $44,409,600 | 5,183 |
| Average equity | $5,150,800 | 5,246 |
| Average total loans | $32,712,600 | 4,936 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 875 |
| Cost of funding earning assets | 0.6356% | 1,329 |
| Net interest margin | 4.1929% | 1,167 |
| Noninterest income to average assets | 0.3652% | 3,912 |
| Noninterest expense to average assets | 2.0549% | 4,839 |
| Loan and lease loss provision to assets | 0.2230% | 831 |
| Net operating income to assets | 1.8931% | 391 |
| Return on assets (ROA) | 1.8931% | 398 |
| Pretax return on assets | 1.9684% | 583 |
| Return on Equity (ROE) | 17.6732% | 359 |
| Retained earnings to average equity (ytd only) | 6.6112% | 1,902 |
| Net charge-offs to loans | -0.1774% | 5,511 |
| Credit loss provision to net charge-offs | -186.0465% | 4,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3913% | 5,322 |
| Assets per employee ($millions) | 5.3808% | 2,035 |
| Cash dividends to net income (ytd only)* | 62.5918% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 2,455 |
| Loan loss allowance to noncurrent loans | 189.0351% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 2,928 |
| Noncurrent loans to loans | 0.6777% | 2,675 |
| Net loans and leases to total assets | 68.5857% | 2,761 |
| Net loans and leases to deposits | 79.3834% | 3,030 |
| Net loans and leases to core deposits | 93.3449% | 2,318 |
| Total domestic deposits to total assets | 86.3981% | 2,135 |
| Equity capital to assets | 10.9691% | 2,892 |
| Core capital (leverage) ratio | 10.9358% | 2,522 |
| Tier 1 risk-based capital ratio | 13.2975% | 3,823 |
| Total risk-based capital ratio | 14.3688% | 3,833 |
| Memoranda: | ||
| Average total assets | $47,820,500 | 5,253 |
| Average earning assets | $44,264,500 | 5,242 |
| Average equity | $5,122,500 | 5,310 |
| Average total loans | $32,324,750 | 5,004 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 1,087 |
| Cost of funding earning assets | 0.6076% | 1,397 |
| Net interest margin | 4.0762% | 1,392 |
| Noninterest income to average assets | 0.3780% | 3,848 |
| Noninterest expense to average assets | 2.0706% | 4,830 |
| Loan and lease loss provision to assets | 0.2520% | 661 |
| Net operating income to assets | 1.7556% | 496 |
| Return on assets (ROA) | 1.7556% | 505 |
| Pretax return on assets | 1.8312% | 779 |
| Return on Equity (ROE) | 16.5239% | 457 |
| Retained earnings to average equity (ytd only) | 3.6764% | 3,512 |
| Net charge-offs to loans | -0.0063% | 4,395 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8483% | 5,314 |
| Assets per employee ($millions) | 5.5084% | 1,865 |
| Cash dividends to net income (ytd only)* | 77.7512% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,614 |
| Loan loss allowance to noncurrent loans | 226.3804% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 3,557 |
| Noncurrent loans to loans | 0.4836% | 3,299 |
| Net loans and leases to total assets | 67.2382% | 2,912 |
| Net loans and leases to deposits | 77.0158% | 3,214 |
| Net loans and leases to core deposits | 90.0286% | 2,525 |
| Total domestic deposits to total assets | 87.3043% | 1,802 |
| Equity capital to assets | 10.4083% | 3,451 |
| Core capital (leverage) ratio | 10.7814% | 2,622 |
| Tier 1 risk-based capital ratio | 12.5785% | 4,256 |
| Total risk-based capital ratio | 13.4730% | 4,359 |
| Memoranda: | ||
| Average total assets | $47,618,330 | 5,299 |
| Average earning assets | $44,109,670 | 5,287 |
| Average equity | $5,059,330 | 5,354 |
| Average total loans | $31,884,670 | 5,048 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6403% | 1,047 |
| Cost of funding earning assets | 0.5847% | 1,481 |
| Net interest margin | 4.0556% | 1,333 |
| Noninterest income to average assets | 0.3945% | 3,704 |
| Noninterest expense to average assets | 2.1270% | 4,799 |
| Loan and lease loss provision to assets | 0.2573% | 568 |
| Net operating income to assets | 1.6810% | 575 |
| Return on assets (ROA) | 1.6810% | 588 |
| Pretax return on assets | 1.7582% | 887 |
| Return on Equity (ROE) | 15.6518% | 572 |
| Retained earnings to average equity (ytd only) | 5.6698% | 2,508 |
| Net charge-offs to loans | -0.0129% | 4,526 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3458% | 5,301 |
| Assets per employee ($millions) | 5.2134% | 2,166 |
| Cash dividends to net income (ytd only)* | 63.7755% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 5,023 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 66.0962% | 2,955 |
| Net loans and leases to deposits | 76.1055% | 3,187 |
| Net loans and leases to core deposits | 89.9032% | 2,356 |
| Total domestic deposits to total assets | 86.8481% | 2,290 |
| Equity capital to assets | 10.8139% | 2,843 |
| Core capital (leverage) ratio | 11.1622% | 2,226 |
| Tier 1 risk-based capital ratio | 13.5174% | 3,772 |
| Total risk-based capital ratio | 14.4037% | 3,900 |
| Memoranda: | ||
| Average total assets | $46,639,500 | 5,378 |
| Average earning assets | $43,100,500 | 5,369 |
| Average equity | $5,009,000 | 5,416 |
| Average total loans | $30,975,500 | 5,128 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 1,381 |
| Cost of funding earning assets | 0.4980% | 2,106 |
| Net interest margin | 4.0619% | 1,468 |
| Noninterest income to average assets | 0.3293% | 4,381 |
| Noninterest expense to average assets | 2.1504% | 4,895 |
| Loan and lease loss provision to assets | 0.2399% | 886 |
| Net operating income to assets | 1.6229% | 645 |
| Return on assets (ROA) | 1.6815% | 599 |
| Pretax return on assets | 1.7535% | 881 |
| Return on Equity (ROE) | 15.5563% | 553 |
| Retained earnings to average equity (ytd only) | 5.9723% | 1,720 |
| Net charge-offs to loans | 0.2942% | 945 |
| Credit loss provision to net charge-offs | 126.4368% | 2,112 |
| Earnings coverage of net charge-offs (x) | 10.1839% | 2,663 |
| Efficiency ratio | 52.6709% | 5,335 |
| Assets per employee ($millions) | 5.7948% | 1,624 |
| Cash dividends to net income (ytd only)* | 61.6083% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 4,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 4,895 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 65.3415% | 3,170 |
| Net loans and leases to deposits | 75.1638% | 3,396 |
| Net loans and leases to core deposits | 88.2322% | 2,644 |
| Total domestic deposits to total assets | 86.9321% | 2,186 |
| Equity capital to assets | 10.6648% | 2,962 |
| Core capital (leverage) ratio | 10.9601% | 2,383 |
| Tier 1 risk-based capital ratio | 13.4925% | 3,773 |
| Total risk-based capital ratio | 14.3080% | 3,942 |
| Memoranda: | ||
| Average total assets | $45,851,200 | 5,422 |
| Average earning assets | $42,369,400 | 5,415 |
| Average equity | $4,956,200 | 5,475 |
| Average total loans | $29,572,200 | 5,207 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 1,371 |
| Cost of funding earning assets | 0.5049% | 2,057 |
| Net interest margin | 4.0611% | 1,499 |
| Noninterest income to average assets | 0.3732% | 4,106 |
| Noninterest expense to average assets | 2.1928% | 4,788 |
| Loan and lease loss provision to assets | 0.2333% | 844 |
| Net operating income to assets | 1.6224% | 696 |
| Return on assets (ROA) | 1.6446% | 701 |
| Pretax return on assets | 1.7233% | 1,054 |
| Return on Equity (ROE) | 15.1632% | 651 |
| Retained earnings to average equity (ytd only) | 5.0812% | 2,770 |
| Net charge-offs to loans | 0.3729% | 595 |
| Credit loss provision to net charge-offs | 97.5610% | 2,415 |
| Earnings coverage of net charge-offs (x) | 8.0854% | 2,814 |
| Efficiency ratio | 53.1449% | 5,297 |
| Assets per employee ($millions) | 5.7240% | 1,637 |
| Cash dividends to net income (ytd only)* | 66.4898% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 4,733 |
| Loan loss allowance to noncurrent loans | 514.5455% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 4,007 |
| Noncurrent loans to loans | 0.1816% | 4,624 |
| Net loans and leases to total assets | 65.5114% | 3,202 |
| Net loans and leases to deposits | 76.8220% | 3,307 |
| Net loans and leases to core deposits | 90.6835% | 2,512 |
| Total domestic deposits to total assets | 85.2769% | 2,688 |
| Equity capital to assets | 11.1351% | 2,879 |
| Core capital (leverage) ratio | 10.8619% | 2,611 |
| Tier 1 risk-based capital ratio | 13.5192% | 3,850 |
| Total risk-based capital ratio | 14.2861% | 4,052 |
| Memoranda: | ||
| Average total assets | $45,724,500 | 5,478 |
| Average earning assets | $42,254,000 | 5,475 |
| Average equity | $4,959,250 | 5,531 |
| Average total loans | $29,315,500 | 5,265 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 1,384 |
| Cost of funding earning assets | 0.4678% | 2,393 |
| Net interest margin | 4.0827% | 1,408 |
| Noninterest income to average assets | 0.3632% | 4,163 |
| Noninterest expense to average assets | 2.2012% | 4,842 |
| Loan and lease loss provision to assets | 0.2188% | 954 |
| Net operating income to assets | 1.6468% | 647 |
| Return on assets (ROA) | 1.6805% | 640 |
| Pretax return on assets | 1.7592% | 961 |
| Return on Equity (ROE) | 15.6330% | 590 |
| Retained earnings to average equity (ytd only) | 7.4908% | 1,387 |
| Net charge-offs to loans | 0.5656% | 370 |
| Credit loss provision to net charge-offs | 60.9756% | 2,568 |
| Earnings coverage of net charge-offs (x) | 5.4146% | 2,859 |
| Efficiency ratio | 53.1151% | 5,378 |
| Assets per employee ($millions) | 5.9085% | 1,468 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 5,086 |
| Loan loss allowance to noncurrent loans | 36.0913% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 1.7538% | 999 |
| Noncurrent loans to loans | 2.3922% | 751 |
| Net loans and leases to total assets | 61.4581% | 3,688 |
| Net loans and leases to deposits | 70.8243% | 3,909 |
| Net loans and leases to core deposits | 82.8840% | 3,183 |
| Total domestic deposits to total assets | 86.7754% | 2,022 |
| Equity capital to assets | 10.7980% | 3,284 |
| Core capital (leverage) ratio | 10.9312% | 2,507 |
| Tier 1 risk-based capital ratio | 12.5561% | 4,477 |
| Total risk-based capital ratio | 13.1936% | 4,777 |
| Memoranda: | ||
| Average total assets | $45,702,000 | 5,546 |
| Average earning assets | $42,325,000 | 5,533 |
| Average equity | $4,912,670 | 5,595 |
| Average total loans | $28,993,330 | 5,334 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5233% | 1,443 |
| Cost of funding earning assets | 0.4619% | 2,449 |
| Net interest margin | 4.0613% | 1,447 |
| Noninterest income to average assets | 0.3918% | 3,892 |
| Noninterest expense to average assets | 2.2797% | 4,716 |
| Loan and lease loss provision to assets | 0.4452% | 292 |
| Net operating income to assets | 1.3482% | 1,137 |
| Return on assets (ROA) | 1.4159% | 1,071 |
| Pretax return on assets | 1.4960% | 1,605 |
| Return on Equity (ROE) | 13.2032% | 995 |
| Retained earnings to average equity (ytd only) | -3.4046% | 5,508 |
| Net charge-offs to loans | 0.0555% | 1,963 |
| Credit loss provision to net charge-offs | 1,250.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 854 |
| Efficiency ratio | 54.9356% | 5,291 |
| Assets per employee ($millions) | 6.4784% | 1,119 |
| Cash dividends to net income (ytd only)* | 125.7862% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 3,804 |
| Loan loss allowance to noncurrent loans | 303.6697% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 3,509 |
| Noncurrent loans to loans | 0.3769% | 4,087 |
| Net loans and leases to total assets | 63.0488% | 3,377 |
| Net loans and leases to deposits | 72.5354% | 3,599 |
| Net loans and leases to core deposits | 84.7170% | 2,873 |
| Total domestic deposits to total assets | 86.9214% | 2,243 |
| Equity capital to assets | 10.6375% | 3,326 |
| Core capital (leverage) ratio | 10.6619% | 2,782 |
| Tier 1 risk-based capital ratio | 12.7165% | 4,452 |
| Total risk-based capital ratio | 13.6011% | 4,588 |
| Memoranda: | ||
| Average total assets | $44,919,000 | 5,619 |
| Average earning assets | $41,563,000 | 5,600 |
| Average equity | $4,817,000 | 5,656 |
| Average total loans | $28,838,500 | 5,382 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 1,470 |
| Cost of funding earning assets | 0.4247% | 2,899 |
| Net interest margin | 4.1196% | 1,365 |
| Noninterest income to average assets | 0.3489% | 4,409 |
| Noninterest expense to average assets | 2.1742% | 5,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.8990% | 406 |
| Return on assets (ROA) | 1.8946% | 419 |
| Pretax return on assets | 1.9801% | 560 |
| Return on Equity (ROE) | 17.2879% | 430 |
| Retained earnings to average equity (ytd only) | 2.5299% | 4,266 |
| Net charge-offs to loans | -0.0078% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2778% | 5,620 |
| Assets per employee ($millions) | 5.5611% | 1,728 |
| Cash dividends to net income (ytd only)* | 85.3659% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 4,663 |
| Loan loss allowance to noncurrent loans | 252.2124% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 3,479 |
| Noncurrent loans to loans | 0.3930% | 4,049 |
| Net loans and leases to total assets | 63.9911% | 3,282 |
| Net loans and leases to deposits | 75.7215% | 3,292 |
| Net loans and leases to core deposits | 82.7756% | 3,070 |
| Total domestic deposits to total assets | 84.5085% | 3,281 |
| Equity capital to assets | 10.8117% | 3,014 |
| Core capital (leverage) ratio | 11.0150% | 2,391 |
| Tier 1 risk-based capital ratio | 14.0478% | 3,689 |
| Total risk-based capital ratio | 14.8819% | 3,858 |
| Memoranda: | ||
| Average total assets | $43,281,000 | 5,698 |
| Average earning assets | $40,028,600 | 5,674 |
| Average equity | $4,743,200 | 5,713 |
| Average total loans | $25,620,800 | 5,530 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 1,512 |
| Cost of funding earning assets | 0.4364% | 2,834 |
| Net interest margin | 4.0924% | 1,424 |
| Noninterest income to average assets | 0.3692% | 4,287 |
| Noninterest expense to average assets | 2.1529% | 5,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.9698% | 382 |
| Return on assets (ROA) | 1.9637% | 398 |
| Pretax return on assets | 1.9916% | 606 |
| Return on Equity (ROE) | 17.8563% | 410 |
| Retained earnings to average equity (ytd only) | 3.7518% | 3,803 |
| Net charge-offs to loans | -0.0107% | 5,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8685% | 5,662 |
| Assets per employee ($millions) | 4.7671% | 2,600 |
| Cash dividends to net income (ytd only)* | 78.9888% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 4,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 4,566 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 60.9267% | 3,747 |
| Net loans and leases to deposits | 71.3175% | 3,841 |
| Net loans and leases to core deposits | 78.3832% | 3,572 |
| Total domestic deposits to total assets | 85.4303% | 2,814 |
| Equity capital to assets | 11.3230% | 2,678 |
| Core capital (leverage) ratio | 11.0220% | 2,464 |
| Tier 1 risk-based capital ratio | 14.7811% | 3,397 |
| Total risk-based capital ratio | 15.6566% | 3,542 |
| Memoranda: | ||
| Average total assets | $42,979,000 | 5,778 |
| Average earning assets | $39,715,250 | 5,759 |
| Average equity | $4,726,500 | 5,792 |
| Average total loans | $24,837,500 | 5,627 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 1,609 |
| Cost of funding earning assets | 0.4025% | 3,253 |
| Net interest margin | 4.0753% | 1,425 |
| Noninterest income to average assets | 0.3674% | 4,312 |
| Noninterest expense to average assets | 2.1300% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9764% | 379 |
| Return on assets (ROA) | 1.9626% | 408 |
| Pretax return on assets | 1.9905% | 605 |
| Return on Equity (ROE) | 18.0239% | 413 |
| Retained earnings to average equity (ytd only) | 0.9396% | 5,195 |
| Net charge-offs to loans | -0.0165% | 5,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5186% | 5,753 |
| Assets per employee ($millions) | 4.8817% | 2,422 |
| Cash dividends to net income (ytd only)* | 94.7867% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 4,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 4,464 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 56.8066% | 4,242 |
| Net loans and leases to deposits | 65.4070% | 4,393 |
| Net loans and leases to core deposits | 70.9236% | 4,232 |
| Total domestic deposits to total assets | 86.8510% | 2,245 |
| Equity capital to assets | 10.6498% | 3,271 |
| Core capital (leverage) ratio | 10.9486% | 2,481 |
| Tier 1 risk-based capital ratio | 14.4904% | 3,641 |
| Total risk-based capital ratio | 15.3687% | 3,786 |
| Memoranda: | ||
| Average total assets | $43,004,000 | 5,844 |
| Average earning assets | $39,752,000 | 5,820 |
| Average equity | $4,682,670 | 5,857 |
| Average total loans | $24,308,330 | 5,698 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 1,573 |
| Cost of funding earning assets | 0.3975% | 3,334 |
| Net interest margin | 4.0668% | 1,365 |
| Noninterest income to average assets | 0.2821% | 4,922 |
| Noninterest expense to average assets | 2.1533% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8521% | 440 |
| Return on assets (ROA) | 1.8336% | 484 |
| Pretax return on assets | 1.8618% | 771 |
| Return on Equity (ROE) | 16.6507% | 502 |
| Retained earnings to average equity (ytd only) | -8.9657% | 6,106 |
| Net charge-offs to loans | -0.0336% | 5,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3800% | 5,722 |
| Assets per employee ($millions) | 4.6600% | 2,822 |
| Cash dividends to net income (ytd only)* | 153.8462% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 3,840 |
| Loan loss allowance to noncurrent loans | 2,375.0000% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.4673% | 4,159 |
| Noncurrent loans to loans | 0.0513% | 5,573 |
| Net loans and leases to total assets | 55.0501% | 4,312 |
| Net loans and leases to deposits | 63.8390% | 4,385 |
| Net loans and leases to core deposits | 66.7515% | 4,448 |
| Total domestic deposits to total assets | 86.2327% | 2,813 |
| Equity capital to assets | 11.1516% | 2,807 |
| Core capital (leverage) ratio | 10.7596% | 2,675 |
| Tier 1 risk-based capital ratio | 15.2426% | 3,293 |
| Total risk-based capital ratio | 16.1923% | 3,394 |
| Memoranda: | ||
| Average total assets | $42,538,500 | 5,905 |
| Average earning assets | $39,245,000 | 5,888 |
| Average equity | $4,684,500 | 5,911 |
| Average total loans | $23,841,000 | 5,760 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 2,118 |
| Cost of funding earning assets | 0.3967% | 3,727 |
| Net interest margin | 4.0373% | 1,783 |
| Noninterest income to average assets | 0.5106% | 3,426 |
| Noninterest expense to average assets | 2.0968% | 5,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.0040% | 324 |
| Return on assets (ROA) | 2.0471% | 309 |
| Pretax return on assets | 2.1393% | 376 |
| Return on Equity (ROE) | 19.7555% | 268 |
| Retained earnings to average equity (ytd only) | 9.4899% | 605 |
| Net charge-offs to loans | 0.3471% | 1,265 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.1370% | 2,415 |
| Efficiency ratio | 50.0282% | 6,093 |
| Assets per employee ($millions) | 4.7930% | 2,603 |
| Cash dividends to net income (ytd only)* | 51.9630% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 4,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 4,398 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 55.6970% | 4,370 |
| Net loans and leases to deposits | 64.4457% | 4,484 |
| Net loans and leases to core deposits | 68.1821% | 4,485 |
| Total domestic deposits to total assets | 86.4246% | 2,608 |
| Equity capital to assets | 10.8770% | 3,036 |
| Core capital (leverage) ratio | 11.0966% | 2,319 |
| Tier 1 risk-based capital ratio | 15.6347% | 3,166 |
| Total risk-based capital ratio | 16.5803% | 3,254 |
| Memoranda: | ||
| Average total assets | $42,303,000 | 5,977 |
| Average earning assets | $38,565,000 | 5,969 |
| Average equity | $4,383,600 | 6,014 |
| Average total loans | $21,032,800 | 5,918 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 1,970 |
| Cost of funding earning assets | 0.3901% | 3,899 |
| Net interest margin | 4.0819% | 1,634 |
| Noninterest income to average assets | 0.3389% | 4,724 |
| Noninterest expense to average assets | 2.0556% | 5,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9667% | 364 |
| Return on assets (ROA) | 1.9448% | 392 |
| Pretax return on assets | 1.9733% | 609 |
| Return on Equity (ROE) | 19.0096% | 343 |
| Retained earnings to average equity (ytd only) | 11.2695% | 476 |
| Net charge-offs to loans | -0.0528% | 5,928 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7428% | 6,066 |
| Assets per employee ($millions) | 5.2741% | 1,929 |
| Cash dividends to net income (ytd only)* | 40.7170% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 2,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4432% | 4,578 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 52.0015% | 4,809 |
| Net loans and leases to deposits | 62.2440% | 4,714 |
| Net loans and leases to core deposits | 66.0734% | 4,702 |
| Total domestic deposits to total assets | 83.5447% | 3,934 |
| Equity capital to assets | 10.9047% | 3,062 |
| Core capital (leverage) ratio | 10.9635% | 2,523 |
| Tier 1 risk-based capital ratio | 16.5446% | 2,799 |
| Total risk-based capital ratio | 17.7955% | 2,748 |
| Memoranda: | ||
| Average total assets | $42,094,500 | 6,051 |
| Average earning assets | $38,282,000 | 6,044 |
| Average equity | $4,306,500 | 6,095 |
| Average total loans | $20,213,750 | 6,021 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 1,870 |
| Cost of funding earning assets | 0.3840% | 4,055 |
| Net interest margin | 4.1032% | 1,501 |
| Noninterest income to average assets | 0.5040% | 3,458 |
| Noninterest expense to average assets | 2.0636% | 5,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1202% | 267 |
| Return on assets (ROA) | 2.0731% | 303 |
| Pretax return on assets | 2.1017% | 442 |
| Return on Equity (ROE) | 20.7208% | 253 |
| Retained earnings to average equity (ytd only) | 14.7802% | 225 |
| Net charge-offs to loans | -0.1640% | 6,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9842% | 6,225 |
| Assets per employee ($millions) | 5.3628% | 1,822 |
| Cash dividends to net income (ytd only)* | 28.6697% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 1,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 4,354 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 48.9045% | 5,092 |
| Net loans and leases to deposits | 54.6936% | 5,307 |
| Net loans and leases to core deposits | 57.7687% | 5,290 |
| Total domestic deposits to total assets | 89.4154% | 1,143 |
| Equity capital to assets | 10.5123% | 3,430 |
| Core capital (leverage) ratio | 10.9490% | 2,469 |
| Tier 1 risk-based capital ratio | 16.2565% | 2,953 |
| Total risk-based capital ratio | 17.5065% | 2,900 |
| Memoranda: | ||
| Average total assets | $42,061,670 | 6,106 |
| Average earning assets | $38,019,000 | 6,111 |
| Average equity | $4,208,330 | 6,154 |
| Average total loans | $19,516,670 | 6,096 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 1,231 |
| Cost of funding earning assets | 0.3944% | 4,044 |
| Net interest margin | 4.3168% | 968 |
| Noninterest income to average assets | 0.2498% | 5,368 |
| Noninterest expense to average assets | 2.0941% | 5,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0163% | 333 |
| Return on assets (ROA) | 1.9212% | 404 |
| Pretax return on assets | 1.9500% | 590 |
| Return on Equity (ROE) | 19.7166% | 310 |
| Retained earnings to average equity (ytd only) | 7.3937% | 1,860 |
| Net charge-offs to loans | -0.3656% | 6,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5800% | 6,222 |
| Assets per employee ($millions) | 4.6214% | 2,775 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0491% | 1,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 4,458 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 42.8678% | 5,598 |
| Net loans and leases to deposits | 47.6725% | 5,750 |
| Net loans and leases to core deposits | 50.0716% | 5,757 |
| Total domestic deposits to total assets | 89.9214% | 1,113 |
| Equity capital to assets | 10.0137% | 3,824 |
| Core capital (leverage) ratio | 10.4387% | 3,010 |
| Tier 1 risk-based capital ratio | 17.7469% | 2,391 |
| Total risk-based capital ratio | 19.0022% | 2,359 |
| Memoranda: | ||
| Average total assets | $41,641,500 | 6,176 |
| Average earning assets | $37,527,500 | 6,184 |
| Average equity | $4,057,500 | 6,238 |
| Average total loans | $18,598,500 | 6,196 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1979% | 3,354 |
| Cost of funding earning assets | 0.4705% | 3,902 |
| Net interest margin | 3.7273% | 2,948 |
| Noninterest income to average assets | 0.1758% | 6,034 |
| Noninterest expense to average assets | 2.4150% | 5,037 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0401% | 2,155 |
| Return on assets (ROA) | 0.9094% | 2,816 |
| Pretax return on assets | 0.9527% | 3,548 |
| Return on Equity (ROE) | 8.8903% | 2,597 |
| Retained earnings to average equity (ytd only) | 8.8903% | 796 |
| Net charge-offs to loans | -0.0183% | 6,122 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8953% | 4,036 |
| Assets per employee ($millions) | 4.6322% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8743% | 1,841 |
| Loan loss allowance to noncurrent loans | 234.2105% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.9547% | 3,508 |
| Noncurrent loans to loans | 0.8003% | 3,978 |
| Net loans and leases to total assets | 44.7062% | 5,609 |
| Net loans and leases to deposits | 49.4075% | 5,804 |
| Net loans and leases to core deposits | 51.8716% | 5,803 |
| Total domestic deposits to total assets | 90.4845% | 822 |
| Equity capital to assets | 9.4747% | 4,460 |
| Core capital (leverage) ratio | 10.6022% | 2,780 |
| Tier 1 risk-based capital ratio | 16.8758% | 2,668 |
| Total risk-based capital ratio | 18.1264% | 2,630 |
| Memoranda: | ||
| Average total assets | $39,255,200 | 6,308 |
| Average earning assets | $35,065,400 | 6,316 |
| Average equity | $4,015,600 | 6,321 |
| Average total loans | $16,432,400 | 6,354 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 3,246 |
| Cost of funding earning assets | 0.4944% | 3,826 |
| Net interest margin | 3.7426% | 2,873 |
| Noninterest income to average assets | 0.3484% | 4,900 |
| Noninterest expense to average assets | 2.5151% | 4,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1399% | 1,853 |
| Return on assets (ROA) | 0.9625% | 2,634 |
| Pretax return on assets | 0.9936% | 3,527 |
| Return on Equity (ROE) | 9.2259% | 2,527 |
| Retained earnings to average equity (ytd only) | 9.2259% | 990 |
| Net charge-offs to loans | -0.0253% | 6,117 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1308% | 4,073 |
| Assets per employee ($millions) | 4.1981% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0350% | 1,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2069% | 3,233 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 45.3590% | 5,602 |
| Net loans and leases to deposits | 50.7943% | 5,786 |
| Net loans and leases to core deposits | 51.4053% | 5,927 |
| Total domestic deposits to total assets | 89.2994% | 1,409 |
| Equity capital to assets | 10.5444% | 3,224 |
| Core capital (leverage) ratio | 10.7298% | 2,756 |
| Tier 1 risk-based capital ratio | 17.8561% | 2,377 |
| Total risk-based capital ratio | 19.1102% | 2,339 |
| Memoranda: | ||
| Average total assets | $38,646,500 | 6,398 |
| Average earning assets | $34,520,500 | 6,406 |
| Average equity | $4,032,000 | 6,395 |
| Average total loans | $15,792,000 | 6,446 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 3,420 |
| Cost of funding earning assets | 0.5314% | 3,584 |
| Net interest margin | 3.6565% | 3,150 |
| Noninterest income to average assets | 0.3544% | 4,854 |
| Noninterest expense to average assets | 2.5016% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0627% | 2,065 |
| Return on assets (ROA) | 0.8013% | 3,442 |
| Pretax return on assets | 0.8322% | 4,188 |
| Return on Equity (ROE) | 7.7075% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.7075% | 1,592 |
| Net charge-offs to loans | -0.0394% | 6,181 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3732% | 3,944 |
| Assets per employee ($millions) | 4.4276% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1526% | 1,524 |
| Loan loss allowance to noncurrent loans | 58.1699% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 2.6149% | 1,601 |
| Noncurrent loans to loans | 3.7006% | 1,104 |
| Net loans and leases to total assets | 40.6093% | 6,005 |
| Net loans and leases to deposits | 45.9833% | 6,105 |
| Net loans and leases to core deposits | 46.5134% | 6,214 |
| Total domestic deposits to total assets | 88.3131% | 2,034 |
| Equity capital to assets | 9.6818% | 4,336 |
| Core capital (leverage) ratio | 10.3346% | 3,063 |
| Tier 1 risk-based capital ratio | 17.5268% | 2,504 |
| Total risk-based capital ratio | 18.7824% | 2,467 |
| Memoranda: | ||
| Average total assets | $38,934,330 | 6,437 |
| Average earning assets | $34,623,000 | 6,442 |
| Average equity | $4,048,000 | 6,441 |
| Average total loans | $15,224,670 | 6,514 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 3,114 |
| Cost of funding earning assets | 0.5619% | 3,462 |
| Net interest margin | 3.6874% | 2,905 |
| Noninterest income to average assets | 0.3119% | 5,197 |
| Noninterest expense to average assets | 2.5262% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9961% | 2,237 |
| Return on assets (ROA) | 0.4782% | 4,946 |
| Pretax return on assets | 0.5094% | 5,222 |
| Return on Equity (ROE) | 4.4412% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.4412% | 3,574 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4348% | 3,903 |
| Assets per employee ($millions) | 3.8385% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4859% | 1,137 |
| Loan loss allowance to noncurrent loans | 551.5625% | 788 |
| Noncurrent assets plus other real estate owned to assets | 1.3417% | 3,275 |
| Noncurrent loans to loans | 0.4507% | 5,295 |
| Net loans and leases to total assets | 36.0740% | 6,290 |
| Net loans and leases to deposits | 41.7129% | 6,337 |
| Net loans and leases to core deposits | 42.2229% | 6,396 |
| Total domestic deposits to total assets | 86.4817% | 3,247 |
| Equity capital to assets | 10.7933% | 3,205 |
| Core capital (leverage) ratio | 10.1440% | 3,227 |
| Tier 1 risk-based capital ratio | 18.7515% | 2,108 |
| Total risk-based capital ratio | 20.0085% | 2,083 |
| Memoranda: | ||
| Average total assets | $38,477,500 | 6,500 |
| Average earning assets | $34,170,000 | 6,521 |
| Average equity | $4,143,000 | 6,482 |
| Average total loans | $14,568,000 | 6,603 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0037% | 1,548 |
| Cost of funding earning assets | 0.8626% | 2,196 |
| Net interest margin | 4.1411% | 1,856 |
| Noninterest income to average assets | 0.9514% | 1,698 |
| Noninterest expense to average assets | 2.7850% | 4,084 |
| Loan and lease loss provision to assets | 0.7972% | 610 |
| Net operating income to assets | 0.9165% | 2,736 |
| Return on assets (ROA) | 0.6537% | 4,237 |
| Pretax return on assets | 0.6803% | 4,736 |
| Return on Equity (ROE) | 6.4533% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.4533% | 1,847 |
| Net charge-offs to loans | 1.8436% | 427 |
| Credit loss provision to net charge-offs | 104.8951% | 2,842 |
| Earnings coverage of net charge-offs (x) | 2.3042% | 4,263 |
| Efficiency ratio | 61.3943% | 5,332 |
| Assets per employee ($millions) | 3.8570% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3634% | 1,287 |
| Loan loss allowance to noncurrent loans | 441.2500% | 912 |
| Noncurrent assets plus other real estate owned to assets | 1.3689% | 3,342 |
| Noncurrent loans to loans | 0.5356% | 5,186 |
| Net loans and leases to total assets | 37.8092% | 6,319 |
| Net loans and leases to deposits | 43.6708% | 6,387 |
| Net loans and leases to core deposits | 44.2003% | 6,454 |
| Total domestic deposits to total assets | 86.5777% | 3,056 |
| Equity capital to assets | 10.7415% | 3,229 |
| Core capital (leverage) ratio | 10.0546% | 3,334 |
| Tier 1 risk-based capital ratio | 16.3431% | 2,973 |
| Total risk-based capital ratio | 17.5941% | 2,929 |
| Memoranda: | ||
| Average total assets | $37,630,000 | 6,566 |
| Average earning assets | $32,575,600 | 6,592 |
| Average equity | $3,812,000 | 6,607 |
| Average total loans | $15,513,400 | 6,630 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1217% | 1,379 |
| Cost of funding earning assets | 0.9116% | 2,096 |
| Net interest margin | 4.2101% | 1,707 |
| Noninterest income to average assets | 0.8914% | 1,861 |
| Noninterest expense to average assets | 2.8488% | 3,802 |
| Loan and lease loss provision to assets | 1.0696% | 368 |
| Net operating income to assets | 0.5591% | 4,575 |
| Return on assets (ROA) | 0.4920% | 5,143 |
| Pretax return on assets | 0.5241% | 5,396 |
| Return on Equity (ROE) | 4.9340% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.9340% | 3,410 |
| Net charge-offs to loans | 2.3247% | 281 |
| Credit loss provision to net charge-offs | 109.8901% | 2,672 |
| Earnings coverage of net charge-offs (x) | 1.7106% | 4,415 |
| Efficiency ratio | 63.1122% | 4,959 |
| Assets per employee ($millions) | 3.7954% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4382% | 1,290 |
| Loan loss allowance to noncurrent loans | 197.8378% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 2.2237% | 2,406 |
| Noncurrent loans to loans | 1.2324% | 3,992 |
| Net loans and leases to total assets | 38.5862% | 6,383 |
| Net loans and leases to deposits | 44.6045% | 6,472 |
| Net loans and leases to core deposits | 46.2746% | 6,504 |
| Total domestic deposits to total assets | 86.5074% | 2,976 |
| Equity capital to assets | 10.6629% | 3,648 |
| Core capital (leverage) ratio | 10.4115% | 3,024 |
| Tier 1 risk-based capital ratio | 14.7253% | 4,029 |
| Total risk-based capital ratio | 15.9769% | 3,993 |
| Memoranda: | ||
| Average total assets | $37,395,000 | 6,656 |
| Average earning assets | $32,175,750 | 6,683 |
| Average equity | $3,729,250 | 6,713 |
| Average total loans | $15,657,750 | 6,708 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2564% | 1,132 |
| Cost of funding earning assets | 0.9529% | 2,043 |
| Net interest margin | 4.3036% | 1,469 |
| Noninterest income to average assets | 0.8976% | 1,797 |
| Noninterest expense to average assets | 2.8542% | 3,808 |
| Loan and lease loss provision to assets | 1.6125% | 212 |
| Net operating income to assets | 0.0819% | 6,199 |
| Return on assets (ROA) | 0.0269% | 6,427 |
| Pretax return on assets | 0.0591% | 6,376 |
| Return on Equity (ROE) | 0.2760% | 6,425 |
| Retained earnings to average equity (ytd only) | 0.2760% | 5,952 |
| Net charge-offs to loans | 4.8005% | 75 |
| Credit loss provision to net charge-offs | 78.7402% | 3,352 |
| Earnings coverage of net charge-offs (x) | 0.8583% | 4,626 |
| Efficiency ratio | 61.8881% | 5,269 |
| Assets per employee ($millions) | 3.3139% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6787% | 3,320 |
| Loan loss allowance to noncurrent loans | 87.1622% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 2.6472% | 2,089 |
| Noncurrent loans to loans | 1.9260% | 3,035 |
| Net loans and leases to total assets | 41.4534% | 6,237 |
| Net loans and leases to deposits | 47.7441% | 6,328 |
| Net loans and leases to core deposits | 49.5996% | 6,362 |
| Total domestic deposits to total assets | 86.8241% | 2,879 |
| Equity capital to assets | 10.2817% | 3,962 |
| Core capital (leverage) ratio | 10.2652% | 3,080 |
| Tier 1 risk-based capital ratio | 13.8995% | 4,524 |
| Total risk-based capital ratio | 14.8777% | 4,692 |
| Memoranda: | ||
| Average total assets | $37,208,670 | 6,705 |
| Average earning assets | $32,113,000 | 6,732 |
| Average equity | $3,623,330 | 6,773 |
| Average total loans | $15,873,330 | 6,743 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 1,274 |
| Cost of funding earning assets | 1.0342% | 1,778 |
| Net interest margin | 4.1861% | 1,793 |
| Noninterest income to average assets | 0.7449% | 2,426 |
| Noninterest expense to average assets | 2.7137% | 4,378 |
| Loan and lease loss provision to assets | 3.1926% | 63 |
| Net operating income to assets | -1.5750% | 7,103 |
| Return on assets (ROA) | -1.6815% | 7,128 |
| Pretax return on assets | -1.6495% | 7,098 |
| Return on Equity (ROE) | -17.7478% | 7,087 |
| Retained earnings to average equity (ytd only) | -17.7478% | 7,014 |
| Net charge-offs to loans | 7.1440% | 43 |
| Credit loss provision to net charge-offs | 104.1667% | 2,219 |
| Earnings coverage of net charge-offs (x) | 0.5382% | 4,066 |
| Efficiency ratio | 62.1951% | 5,241 |
| Assets per employee ($millions) | 3.6521% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2977% | 1,681 |
| Loan loss allowance to noncurrent loans | 106.0423% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 2.6834% | 2,200 |
| Noncurrent loans to loans | 2.1668% | 2,953 |
| Net loans and leases to total assets | 40.8669% | 6,275 |
| Net loans and leases to deposits | 47.2235% | 6,340 |
| Net loans and leases to core deposits | 49.0599% | 6,392 |
| Total domestic deposits to total assets | 86.5393% | 3,220 |
| Equity capital to assets | 9.6958% | 4,525 |
| Core capital (leverage) ratio | 9.2999% | 4,365 |
| Tier 1 risk-based capital ratio | 13.4328% | 4,875 |
| Total risk-based capital ratio | 14.6790% | 4,868 |
| Memoranda: | ||
| Average total assets | $37,586,500 | 6,748 |
| Average earning assets | $32,488,500 | 6,780 |
| Average equity | $3,561,000 | 6,832 |
| Average total loans | $16,125,500 | 6,790 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5467% | 1,063 |
| Cost of funding earning assets | 1.3047% | 1,461 |
| Net interest margin | 4.2419% | 1,919 |
| Noninterest income to average assets | 0.4389% | 4,307 |
| Noninterest expense to average assets | 2.9260% | 3,862 |
| Loan and lease loss provision to assets | 0.1330% | 4,948 |
| Net operating income to assets | 0.9672% | 2,333 |
| Return on assets (ROA) | 0.7421% | 3,453 |
| Pretax return on assets | 0.7900% | 4,016 |
| Return on Equity (ROE) | 8.1603% | 2,826 |
| Retained earnings to average equity (ytd only) | 8.1603% | 1,028 |
| Net charge-offs to loans | 0.2164% | 4,435 |
| Credit loss provision to net charge-offs | 131.5789% | 2,319 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,715 |
| Efficiency ratio | 71.5680% | 3,669 |
| Assets per employee ($millions) | 4.2947% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 2,291 |
| Loan loss allowance to noncurrent loans | 42.1642% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 3.7618% | 1,545 |
| Noncurrent loans to loans | 4.7364% | 1,235 |
| Net loans and leases to total assets | 43.0405% | 6,298 |
| Net loans and leases to deposits | 49.3386% | 6,414 |
| Net loans and leases to core deposits | 51.6133% | 6,448 |
| Total domestic deposits to total assets | 87.2348% | 2,623 |
| Equity capital to assets | 9.2647% | 5,195 |
| Core capital (leverage) ratio | 9.5426% | 3,957 |
| Tier 1 risk-based capital ratio | 13.0211% | 5,053 |
| Total risk-based capital ratio | 14.2268% | 5,066 |
| Memoranda: | ||
| Average total assets | $37,593,600 | 6,751 |
| Average earning assets | $32,343,800 | 6,798 |
| Average equity | $3,419,000 | 6,905 |
| Average total loans | $17,560,400 | 6,779 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6690% | 901 |
| Cost of funding earning assets | 1.3652% | 1,394 |
| Net interest margin | 4.3038% | 1,701 |
| Noninterest income to average assets | 0.4893% | 3,953 |
| Noninterest expense to average assets | 2.9538% | 3,730 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1886% | 1,682 |
| Return on assets (ROA) | 0.9322% | 2,769 |
| Pretax return on assets | 0.9644% | 3,543 |
| Return on Equity (ROE) | 10.3001% | 2,100 |
| Retained earnings to average equity (ytd only) | 10.3001% | 767 |
| Net charge-offs to loans | -0.1506% | 7,226 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6234% | 3,829 |
| Assets per employee ($millions) | 4.1402% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9746% | 2,403 |
| Loan loss allowance to noncurrent loans | 57.9299% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 2.9628% | 2,172 |
| Noncurrent loans to loans | 3.4086% | 2,021 |
| Net loans and leases to total assets | 46.2294% | 6,128 |
| Net loans and leases to deposits | 53.3560% | 6,264 |
| Net loans and leases to core deposits | 56.8872% | 6,233 |
| Total domestic deposits to total assets | 86.6432% | 2,859 |
| Equity capital to assets | 9.6345% | 4,882 |
| Core capital (leverage) ratio | 9.7591% | 3,758 |
| Tier 1 risk-based capital ratio | 12.8330% | 5,216 |
| Total risk-based capital ratio | 14.0557% | 5,228 |
| Memoranda: | ||
| Average total assets | $37,329,000 | 6,817 |
| Average earning assets | $32,032,750 | 6,869 |
| Average equity | $3,378,500 | 6,974 |
| Average total loans | $17,706,750 | 6,836 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6516% | 962 |
| Cost of funding earning assets | 1.4066% | 1,391 |
| Net interest margin | 4.2449% | 1,862 |
| Noninterest income to average assets | 0.4284% | 4,441 |
| Noninterest expense to average assets | 3.0253% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9855% | 2,282 |
| Return on assets (ROA) | 0.5836% | 4,269 |
| Pretax return on assets | 0.6158% | 4,693 |
| Return on Equity (ROE) | 6.5901% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.5901% | 2,087 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4401% | 3,281 |
| Assets per employee ($millions) | 3.7931% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8054% | 2,972 |
| Loan loss allowance to noncurrent loans | 51.2539% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 2.9844% | 2,243 |
| Noncurrent loans to loans | 3.5225% | 2,008 |
| Net loans and leases to total assets | 46.8878% | 6,166 |
| Net loans and leases to deposits | 53.6922% | 6,331 |
| Net loans and leases to core deposits | 58.7740% | 6,208 |
| Total domestic deposits to total assets | 87.3270% | 2,556 |
| Equity capital to assets | 9.0401% | 5,519 |
| Core capital (leverage) ratio | 9.3918% | 4,125 |
| Tier 1 risk-based capital ratio | 11.9907% | 5,799 |
| Total risk-based capital ratio | 13.1141% | 5,862 |
| Memoranda: | ||
| Average total assets | $37,351,330 | 6,877 |
| Average earning assets | $31,991,000 | 6,934 |
| Average equity | $3,308,000 | 7,038 |
| Average total loans | $17,751,330 | 6,901 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8652% | 651 |
| Cost of funding earning assets | 1.4284% | 1,475 |
| Net interest margin | 4.4368% | 1,196 |
| Noninterest income to average assets | 0.4533% | 4,253 |
| Noninterest expense to average assets | 2.9357% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2412% | 1,415 |
| Return on assets (ROA) | 0.6260% | 3,954 |
| Pretax return on assets | 0.6584% | 4,458 |
| Return on Equity (ROE) | 7.1440% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.1440% | 2,083 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2112% | 4,433 |
| Assets per employee ($millions) | 3.6768% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8769% | 2,769 |
| Loan loss allowance to noncurrent loans | 51.1737% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 3.1495% | 2,186 |
| Noncurrent loans to loans | 3.6678% | 2,016 |
| Net loans and leases to total assets | 46.4942% | 6,240 |
| Net loans and leases to deposits | 53.7410% | 6,313 |
| Net loans and leases to core deposits | 59.0562% | 6,177 |
| Total domestic deposits to total assets | 86.5154% | 3,227 |
| Equity capital to assets | 9.0677% | 5,099 |
| Core capital (leverage) ratio | 9.1668% | 4,345 |
| Tier 1 risk-based capital ratio | 11.9701% | 5,722 |
| Total risk-based capital ratio | 13.1082% | 5,818 |
| Memoranda: | ||
| Average total assets | $37,061,500 | 6,933 |
| Average earning assets | $31,644,500 | 6,998 |
| Average equity | $3,247,500 | 7,096 |
| Average total loans | $17,571,000 | 6,963 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2374% | 526 |
| Cost of funding earning assets | 1.8802% | 907 |
| Net interest margin | 4.3572% | 1,627 |
| Noninterest income to average assets | 0.2166% | 6,261 |
| Noninterest expense to average assets | 2.8786% | 4,318 |
| Loan and lease loss provision to assets | 1.0696% | 1,500 |
| Net operating income to assets | -0.2547% | 6,171 |
| Return on assets (ROA) | -0.7025% | 6,555 |
| Pretax return on assets | -0.7183% | 6,469 |
| Return on Equity (ROE) | -8.1670% | 6,636 |
| Retained earnings to average equity (ytd only) | -8.1670% | 6,549 |
| Net charge-offs to loans | 2.2586% | 857 |
| Credit loss provision to net charge-offs | 102.0151% | 4,440 |
| Earnings coverage of net charge-offs (x) | 0.7708% | 5,352 |
| Efficiency ratio | 78.0802% | 2,696 |
| Assets per employee ($millions) | 3.7355% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 2,702 |
| Loan loss allowance to noncurrent loans | 49.5455% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 5.1559% | 1,231 |
| Noncurrent loans to loans | 3.7246% | 1,991 |
| Net loans and leases to total assets | 46.5614% | 6,514 |
| Net loans and leases to deposits | 53.4117% | 6,651 |
| Net loans and leases to core deposits | 58.5603% | 6,512 |
| Total domestic deposits to total assets | 87.1744% | 2,725 |
| Equity capital to assets | 8.4621% | 5,903 |
| Core capital (leverage) ratio | 8.8756% | 4,737 |
| Tier 1 risk-based capital ratio | 11.9045% | 5,564 |
| Total risk-based capital ratio | 13.0559% | 5,642 |
| Memoranda: | ||
| Average total assets | $37,865,600 | 6,942 |
| Average earning assets | $30,156,800 | 7,082 |
| Average equity | $3,257,000 | 7,204 |
| Average total loans | $17,577,000 | 7,056 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3410% | 467 |
| Cost of funding earning assets | 1.9785% | 807 |
| Net interest margin | 4.3625% | 1,634 |
| Noninterest income to average assets | 0.7896% | 2,290 |
| Noninterest expense to average assets | 2.8285% | 4,358 |
| Loan and lease loss provision to assets | 0.4738% | 3,109 |
| Net operating income to assets | 0.5705% | 4,002 |
| Return on assets (ROA) | 0.0000% | 6,124 |
| Pretax return on assets | 0.0316% | 6,041 |
| Return on Equity (ROE) | 0.0000% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,777 |
| Net charge-offs to loans | 0.9121% | 2,174 |
| Credit loss provision to net charge-offs | 112.5000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 3.3166% | 3,494 |
| Efficiency ratio | 66.9435% | 4,666 |
| Assets per employee ($millions) | 3.2907% | 5,492 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8180% | 2,727 |
| Loan loss allowance to noncurrent loans | 68.4426% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 5.0169% | 1,281 |
| Noncurrent loans to loans | 2.6562% | 2,977 |
| Net loans and leases to total assets | 49.8315% | 6,342 |
| Net loans and leases to deposits | 58.0597% | 6,458 |
| Net loans and leases to core deposits | 64.7475% | 6,238 |
| Total domestic deposits to total assets | 85.8279% | 3,167 |
| Equity capital to assets | 9.6248% | 4,659 |
| Core capital (leverage) ratio | 9.6538% | 3,681 |
| Tier 1 risk-based capital ratio | 12.6456% | 4,856 |
| Total risk-based capital ratio | 13.8037% | 4,916 |
| Memoranda: | ||
| Average total assets | $37,993,250 | 7,017 |
| Average earning assets | $29,921,000 | 7,180 |
| Average equity | $3,281,000 | 7,288 |
| Average total loans | $17,541,250 | 7,147 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2207% | 597 |
| Cost of funding earning assets | 2.0668% | 738 |
| Net interest margin | 4.1539% | 2,321 |
| Noninterest income to average assets | 0.3369% | 5,456 |
| Noninterest expense to average assets | 2.8555% | 4,243 |
| Loan and lease loss provision to assets | 0.3887% | 3,386 |
| Net operating income to assets | 0.1789% | 5,635 |
| Return on assets (ROA) | 0.0363% | 6,120 |
| Pretax return on assets | 0.0674% | 6,040 |
| Return on Equity (ROE) | 0.4357% | 6,104 |
| Retained earnings to average equity (ytd only) | 0.4357% | 5,592 |
| Net charge-offs to loans | 0.7993% | 2,249 |
| Credit loss provision to net charge-offs | 108.6957% | 3,747 |
| Earnings coverage of net charge-offs (x) | 1.8986% | 4,098 |
| Efficiency ratio | 80.7918% | 2,334 |
| Assets per employee ($millions) | 3.4558% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8950% | 2,422 |
| Loan loss allowance to noncurrent loans | 25.3510% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 6.7975% | 795 |
| Noncurrent loans to loans | 7.4752% | 721 |
| Net loans and leases to total assets | 44.2600% | 6,897 |
| Net loans and leases to deposits | 50.9648% | 7,026 |
| Net loans and leases to core deposits | 58.1979% | 6,818 |
| Total domestic deposits to total assets | 86.8443% | 2,626 |
| Equity capital to assets | 8.8257% | 5,719 |
| Core capital (leverage) ratio | 9.6587% | 3,596 |
| Tier 1 risk-based capital ratio | 12.8907% | 4,533 |
| Total risk-based capital ratio | 14.0373% | 4,586 |
| Memoranda: | ||
| Average total assets | $38,591,670 | 7,042 |
| Average earning assets | $29,707,330 | 7,238 |
| Average equity | $3,213,330 | 7,354 |
| Average total loans | $17,264,330 | 7,208 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1676% | 682 |
| Cost of funding earning assets | 2.0822% | 859 |
| Net interest margin | 4.0854% | 2,506 |
| Noninterest income to average assets | 0.7510% | 2,295 |
| Noninterest expense to average assets | 2.9218% | 3,977 |
| Loan and lease loss provision to assets | 0.7716% | 1,640 |
| Net operating income to assets | 0.2031% | 5,675 |
| Return on assets (ROA) | 0.1440% | 6,007 |
| Pretax return on assets | 0.1749% | 5,956 |
| Return on Equity (ROE) | 1.7820% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.7820% | 5,045 |
| Net charge-offs to loans | 1.6165% | 1,075 |
| Credit loss provision to net charge-offs | 107.1429% | 3,206 |
| Earnings coverage of net charge-offs (x) | 1.4143% | 3,897 |
| Efficiency ratio | 74.1514% | 3,555 |
| Assets per employee ($millions) | 3.4275% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8958% | 2,464 |
| Loan loss allowance to noncurrent loans | 20.4159% | 6,984 |
| Noncurrent assets plus other real estate owned to assets | 8.0842% | 608 |
| Noncurrent loans to loans | 9.2861% | 496 |
| Net loans and leases to total assets | 44.4686% | 6,957 |
| Net loans and leases to deposits | 51.5227% | 7,063 |
| Net loans and leases to core deposits | 58.4385% | 6,852 |
| Total domestic deposits to total assets | 86.3088% | 2,981 |
| Equity capital to assets | 8.5351% | 5,950 |
| Core capital (leverage) ratio | 9.4453% | 3,862 |
| Tier 1 risk-based capital ratio | 12.7926% | 4,488 |
| Total risk-based capital ratio | 13.9248% | 4,551 |
| Memoranda: | ||
| Average total assets | $38,880,500 | 7,121 |
| Average earning assets | $30,352,000 | 7,307 |
| Average equity | $3,142,500 | 7,452 |
| Average total loans | $17,321,500 | 7,293 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6854% | 3,178 |
| Cost of funding earning assets | 2.5801% | 826 |
| Net interest margin | 3.1053% | 6,351 |
| Noninterest income to average assets | -0.6496% | 7,961 |
| Noninterest expense to average assets | 2.8468% | 4,762 |
| Loan and lease loss provision to assets | 1.2044% | 1,913 |
| Net operating income to assets | -1.9620% | 7,077 |
| Return on assets (ROA) | -2.2555% | 7,183 |
| Pretax return on assets | -2.3772% | 7,099 |
| Return on Equity (ROE) | -34.3919% | 7,480 |
| Retained earnings to average equity (ytd only) | -34.3919% | 7,467 |
| Net charge-offs to loans | 4.2901% | 354 |
| Credit loss provision to net charge-offs | 57.8947% | 6,667 |
| Earnings coverage of net charge-offs (x) | -0.4152% | 6,642 |
| Efficiency ratio | 143.5583% | 356 |
| Assets per employee ($millions) | 3.6416% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 2,493 |
| Loan loss allowance to noncurrent loans | 19.6914% | 7,075 |
| Noncurrent assets plus other real estate owned to assets | 7.7338% | 604 |
| Noncurrent loans to loans | 9.2292% | 477 |
| Net loans and leases to total assets | 43.0226% | 7,181 |
| Net loans and leases to deposits | 49.1880% | 7,306 |
| Net loans and leases to core deposits | 63.1699% | 7,140 |
| Total domestic deposits to total assets | 87.4657% | 2,237 |
| Equity capital to assets | 7.6564% | 6,895 |
| Core capital (leverage) ratio | 9.0654% | 4,315 |
| Tier 1 risk-based capital ratio | 12.4061% | 4,590 |
| Total risk-based capital ratio | 13.4909% | 4,694 |
| Memoranda: | ||
| Average total assets | $41,099,200 | 7,045 |
| Average earning assets | $34,843,800 | 7,144 |
| Average equity | $2,695,400 | 7,679 |
| Average total loans | $19,929,800 | 7,196 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7169% | 3,257 |
| Cost of funding earning assets | 2.6859% | 820 |
| Net interest margin | 3.0310% | 6,517 |
| Noninterest income to average assets | 0.5416% | 4,145 |
| Noninterest expense to average assets | 2.8239% | 4,792 |
| Loan and lease loss provision to assets | 1.1444% | 1,702 |
| Net operating income to assets | -0.8220% | 6,707 |
| Return on assets (ROA) | -1.4861% | 7,103 |
| Pretax return on assets | -1.4861% | 6,955 |
| Return on Equity (ROE) | -23.6177% | 7,477 |
| Retained earnings to average equity (ytd only) | -23.6177% | 7,452 |
| Net charge-offs to loans | 1.2993% | 1,573 |
| Credit loss provision to net charge-offs | 177.5000% | 2,600 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 5,528 |
| Efficiency ratio | 89.7541% | 1,712 |
| Assets per employee ($millions) | 3.6834% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2868% | 241 |
| Loan loss allowance to noncurrent loans | 37.8575% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 9.7811% | 361 |
| Noncurrent loans to loans | 11.3236% | 311 |
| Net loans and leases to total assets | 45.9585% | 7,111 |
| Net loans and leases to deposits | 52.9743% | 7,260 |
| Net loans and leases to core deposits | 72.5173% | 6,812 |
| Total domestic deposits to total assets | 86.7562% | 2,301 |
| Equity capital to assets | 8.3545% | 6,439 |
| Core capital (leverage) ratio | 9.0628% | 4,553 |
| Tier 1 risk-based capital ratio | 12.2570% | 4,738 |
| Total risk-based capital ratio | 13.5232% | 4,670 |
| Memoranda: | ||
| Average total assets | $41,359,500 | 7,093 |
| Average earning assets | $35,542,750 | 7,184 |
| Average equity | $2,602,500 | 7,783 |
| Average total loans | $20,524,000 | 7,229 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7397% | 3,343 |
| Cost of funding earning assets | 2.7757% | 840 |
| Net interest margin | 2.9640% | 6,646 |
| Noninterest income to average assets | 0.4851% | 4,582 |
| Noninterest expense to average assets | 2.7521% | 5,170 |
| Loan and lease loss provision to assets | 0.4803% | 3,125 |
| Net operating income to assets | -0.1777% | 6,150 |
| Return on assets (ROA) | -0.8934% | 6,906 |
| Pretax return on assets | -0.8934% | 6,740 |
| Return on Equity (ROE) | -15.8861% | 7,377 |
| Retained earnings to average equity (ytd only) | -15.8861% | 7,291 |
| Net charge-offs to loans | 1.4751% | 1,285 |
| Credit loss provision to net charge-offs | 64.9351% | 5,509 |
| Earnings coverage of net charge-offs (x) | 0.4091% | 5,280 |
| Efficiency ratio | 90.0943% | 1,799 |
| Assets per employee ($millions) | 3.7799% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1138% | 513 |
| Loan loss allowance to noncurrent loans | 25.7838% | 6,791 |
| Noncurrent assets plus other real estate owned to assets | 9.1032% | 370 |
| Noncurrent loans to loans | 12.0765% | 221 |
| Net loans and leases to total assets | 46.7712% | 7,141 |
| Net loans and leases to deposits | 53.2649% | 7,322 |
| Net loans and leases to core deposits | 72.2695% | 6,880 |
| Total domestic deposits to total assets | 87.8087% | 1,860 |
| Equity capital to assets | 6.3325% | 7,856 |
| Core capital (leverage) ratio | 8.6623% | 5,160 |
| Tier 1 risk-based capital ratio | 11.5411% | 5,343 |
| Total risk-based capital ratio | 12.8019% | 5,262 |
| Memoranda: | ||
| Average total assets | $41,640,330 | 7,147 |
| Average earning assets | $36,099,330 | 7,218 |
| Average equity | $2,341,670 | 7,917 |
| Average total loans | $20,880,330 | 7,273 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7211% | 3,690 |
| Cost of funding earning assets | 2.9100% | 749 |
| Net interest margin | 2.8111% | 6,968 |
| Noninterest income to average assets | 0.4512% | 4,756 |
| Noninterest expense to average assets | 2.9373% | 4,025 |
| Loan and lease loss provision to assets | 0.6527% | 1,933 |
| Net operating income to assets | -0.6815% | 7,040 |
| Return on assets (ROA) | -0.6815% | 7,076 |
| Pretax return on assets | -0.6815% | 6,958 |
| Return on Equity (ROE) | -12.9326% | 7,517 |
| Retained earnings to average equity (ytd only) | -12.9326% | 7,320 |
| Net charge-offs to loans | -0.0564% | 7,732 |
| Credit loss provision to net charge-offs | -2,266.6667% | 6,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9901% | 1,089 |
| Assets per employee ($millions) | 3.6976% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5523% | 312 |
| Loan loss allowance to noncurrent loans | 24.8509% | 6,915 |
| Noncurrent assets plus other real estate owned to assets | 9.6351% | 245 |
| Noncurrent loans to loans | 14.2945% | 114 |
| Net loans and leases to total assets | 50.0639% | 6,860 |
| Net loans and leases to deposits | 56.4494% | 7,138 |
| Net loans and leases to core deposits | 76.1376% | 6,668 |
| Total domestic deposits to total assets | 88.6881% | 1,385 |
| Equity capital to assets | 5.3031% | 8,092 |
| Core capital (leverage) ratio | 7.8769% | 6,655 |
| Tier 1 risk-based capital ratio | 11.2910% | 5,607 |
| Total risk-based capital ratio | 12.5547% | 5,508 |
| Memoranda: | ||
| Average total assets | $41,671,000 | 7,182 |
| Average earning assets | $36,426,500 | 7,253 |
| Average equity | $2,196,000 | 8,014 |
| Average total loans | $21,284,500 | 7,295 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5482% | 2,729 |
| Cost of funding earning assets | 3.2909% | 951 |
| Net interest margin | 3.2572% | 6,193 |
| Noninterest income to average assets | 0.5763% | 4,036 |
| Noninterest expense to average assets | 2.7131% | 5,209 |
| Loan and lease loss provision to assets | 1.1641% | 1,246 |
| Net operating income to assets | -0.4154% | 6,841 |
| Return on assets (ROA) | -0.9067% | 7,111 |
| Pretax return on assets | -0.9568% | 6,976 |
| Return on Equity (ROE) | -11.5369% | 7,392 |
| Retained earnings to average equity (ytd only) | -21.6824% | 7,724 |
| Net charge-offs to loans | 0.7215% | 1,711 |
| Credit loss provision to net charge-offs | 317.3913% | 1,418 |
| Earnings coverage of net charge-offs (x) | 1.9752% | 5,080 |
| Efficiency ratio | 78.9264% | 2,763 |
| Assets per employee ($millions) | 3.8789% | 3,783 |
| Cash dividends to net income (ytd only)* | -87.9397% | 8,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1646% | 379 |
| Loan loss allowance to noncurrent loans | 23.0560% | 7,097 |
| Noncurrent assets plus other real estate owned to assets | 8.7325% | 242 |
| Noncurrent loans to loans | 13.7258% | 86 |
| Net loans and leases to total assets | 48.6946% | 7,131 |
| Net loans and leases to deposits | 54.6936% | 7,400 |
| Net loans and leases to core deposits | 74.6891% | 6,928 |
| Total domestic deposits to total assets | 89.0316% | 1,029 |
| Equity capital to assets | 5.2381% | 8,160 |
| Core capital (leverage) ratio | 8.0273% | 6,447 |
| Tier 1 risk-based capital ratio | 11.4358% | 5,301 |
| Total risk-based capital ratio | 12.6831% | 5,208 |
| Memoranda: | ||
| Average total assets | $43,897,600 | 7,029 |
| Average earning assets | $38,560,400 | 7,107 |
| Average equity | $3,449,800 | 7,702 |
| Average total loans | $22,315,600 | 7,176 |