Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5472% | 339 |
| Cost of funding earning assets | 0.5258% | 3,821 |
| Net interest margin | 5.0214% | 184 |
| Noninterest income to average assets | 1.1290% | 683 |
| Noninterest expense to average assets | 9.6943% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -4.8960% | 5,094 |
| Return on assets (ROA) | -4.8960% | 5,086 |
| Pretax return on assets | -4.4183% | 5,079 |
| Return on Equity (ROE) | -33.6128% | 5,089 |
| Retained earnings to average equity (ytd only) | -33.6128% | 5,056 |
| Net charge-offs to loans | 0.0574% | 1,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -135.6667% | 2,574 |
| Efficiency ratio | 183.7449% | 33 |
| Assets per employee ($millions) | 2.8403% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4899% | 4,885 |
| Loan loss allowance to noncurrent loans | 16.0630% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 2.7085% | 244 |
| Noncurrent loans to loans | 3.0500% | 348 |
| Net loans and leases to total assets | 52.1024% | 4,107 |
| Net loans and leases to deposits | 60.2495% | 4,186 |
| Net loans and leases to core deposits | 62.8409% | 4,242 |
| Total domestic deposits to total assets | 86.4777% | 1,793 |
| Equity capital to assets | 12.9288% | 1,464 |
| Core capital (leverage) ratio | 14.9883% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,846,500 | 4,895 |
| Average earning assets | $30,429,500 | 4,930 |
| Average equity | $5,367,000 | 4,796 |
| Average total loans | $20,920,000 | 4,785 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6641% | 428 |
| Cost of funding earning assets | 0.4436% | 4,290 |
| Net interest margin | 5.2206% | 184 |
| Noninterest income to average assets | 1.0247% | 921 |
| Noninterest expense to average assets | 4.5948% | 280 |
| Loan and lease loss provision to assets | 0.1953% | 1,038 |
| Net operating income to assets | 0.6521% | 4,013 |
| Return on assets (ROA) | 0.6521% | 4,086 |
| Pretax return on assets | 0.8324% | 3,914 |
| Return on Equity (ROE) | 3.9089% | 4,481 |
| Retained earnings to average equity (ytd only) | 3.9089% | 3,012 |
| Net charge-offs to loans | 0.2911% | 715 |
| Credit loss provision to net charge-offs | 104.8387% | 2,361 |
| Earnings coverage of net charge-offs (x) | 5.5161% | 3,074 |
| Efficiency ratio | 81.7210% | 812 |
| Assets per employee ($millions) | 2.4235% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4995% | 4,889 |
| Loan loss allowance to noncurrent loans | 26.9231% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 2.4551% | 263 |
| Noncurrent loans to loans | 1.8554% | 720 |
| Net loans and leases to total assets | 61.6434% | 3,437 |
| Net loans and leases to deposits | 74.4200% | 3,313 |
| Net loans and leases to core deposits | 78.3686% | 3,427 |
| Total domestic deposits to total assets | 82.8318% | 3,256 |
| Equity capital to assets | 16.4844% | 529 |
| Core capital (leverage) ratio | 16.6602% | 454 |
| Tier 1 risk-based capital ratio | 24.7401% | 770 |
| Total risk-based capital ratio | 25.2046% | 811 |
| Memoranda: | ||
| Average total assets | $33,277,000 | 4,990 |
| Average earning assets | $29,307,200 | 4,994 |
| Average equity | $5,551,400 | 4,824 |
| Average total loans | $21,300,800 | 4,830 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6843% | 426 |
| Cost of funding earning assets | 0.4158% | 4,446 |
| Net interest margin | 5.2684% | 177 |
| Noninterest income to average assets | 0.9261% | 1,091 |
| Noninterest expense to average assets | 4.1432% | 448 |
| Loan and lease loss provision to assets | 0.1007% | 1,908 |
| Net operating income to assets | 1.2361% | 2,076 |
| Return on assets (ROA) | 1.2361% | 2,152 |
| Pretax return on assets | 1.3247% | 2,586 |
| Return on Equity (ROE) | 7.3871% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.3871% | 1,674 |
| Net charge-offs to loans | 0.0811% | 1,672 |
| Credit loss provision to net charge-offs | 192.3077% | 1,360 |
| Earnings coverage of net charge-offs (x) | 27.2354% | 1,718 |
| Efficiency ratio | 74.4035% | 1,507 |
| Assets per employee ($millions) | 2.3574% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5400% | 4,912 |
| Loan loss allowance to noncurrent loans | 28.5000% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 2.5543% | 262 |
| Noncurrent loans to loans | 1.8947% | 746 |
| Net loans and leases to total assets | 63.6245% | 3,323 |
| Net loans and leases to deposits | 77.7128% | 3,130 |
| Net loans and leases to core deposits | 82.0010% | 3,246 |
| Total domestic deposits to total assets | 81.8713% | 3,506 |
| Equity capital to assets | 17.2196% | 464 |
| Core capital (leverage) ratio | 17.1159% | 424 |
| Tier 1 risk-based capital ratio | 26.2228% | 692 |
| Total risk-based capital ratio | 26.7488% | 723 |
| Memoranda: | ||
| Average total assets | $33,114,000 | 5,068 |
| Average earning assets | $29,179,250 | 5,071 |
| Average equity | $5,541,000 | 4,883 |
| Average total loans | $21,371,000 | 4,903 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5903% | 477 |
| Cost of funding earning assets | 0.3773% | 4,592 |
| Net interest margin | 5.2130% | 195 |
| Noninterest income to average assets | 1.0618% | 762 |
| Noninterest expense to average assets | 4.0904% | 480 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4238% | 1,367 |
| Return on assets (ROA) | 1.4238% | 1,421 |
| Pretax return on assets | 1.5565% | 1,676 |
| Return on Equity (ROE) | 8.5917% | 3,031 |
| Retained earnings to average equity (ytd only) | 8.5917% | 1,168 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4359% | 1,857 |
| Assets per employee ($millions) | 2.3553% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4768% | 5,044 |
| Loan loss allowance to noncurrent loans | 48.1132% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 2.0289% | 455 |
| Noncurrent loans to loans | 0.9909% | 1,649 |
| Net loans and leases to total assets | 64.5721% | 3,279 |
| Net loans and leases to deposits | 78.6234% | 3,100 |
| Net loans and leases to core deposits | 82.1419% | 3,255 |
| Total domestic deposits to total assets | 82.1283% | 3,478 |
| Equity capital to assets | 17.0225% | 460 |
| Core capital (leverage) ratio | 17.1321% | 414 |
| Tier 1 risk-based capital ratio | 24.5958% | 796 |
| Total risk-based capital ratio | 25.0427% | 849 |
| Memoranda: | ||
| Average total assets | $33,151,000 | 5,104 |
| Average earning assets | $29,157,670 | 5,115 |
| Average equity | $5,493,670 | 4,923 |
| Average total loans | $21,457,330 | 4,946 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5042% | 522 |
| Cost of funding earning assets | 0.3569% | 4,655 |
| Net interest margin | 5.1473% | 219 |
| Noninterest income to average assets | 0.9988% | 811 |
| Noninterest expense to average assets | 4.0073% | 530 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3839% | 1,423 |
| Return on assets (ROA) | 1.3839% | 1,457 |
| Pretax return on assets | 1.5042% | 1,753 |
| Return on Equity (ROE) | 8.4652% | 3,058 |
| Retained earnings to average equity (ytd only) | 8.4652% | 1,503 |
| Net charge-offs to loans | 0.0372% | 1,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 894 |
| Efficiency ratio | 72.7074% | 1,925 |
| Assets per employee ($millions) | 2.5911% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4733% | 5,107 |
| Loan loss allowance to noncurrent loans | 61.3497% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.8406% | 565 |
| Noncurrent loans to loans | 0.7715% | 2,103 |
| Net loans and leases to total assets | 62.4302% | 3,461 |
| Net loans and leases to deposits | 75.2972% | 3,324 |
| Net loans and leases to core deposits | 77.7470% | 3,538 |
| Total domestic deposits to total assets | 82.9118% | 3,416 |
| Equity capital to assets | 16.3045% | 531 |
| Core capital (leverage) ratio | 16.7220% | 453 |
| Tier 1 risk-based capital ratio | 24.4796% | 800 |
| Total risk-based capital ratio | 24.9298% | 847 |
| Memoranda: | ||
| Average total assets | $33,239,500 | 5,157 |
| Average earning assets | $29,141,500 | 5,166 |
| Average equity | $5,434,000 | 4,976 |
| Average total loans | $21,489,000 | 5,006 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4989% | 401 |
| Cost of funding earning assets | 0.3695% | 4,164 |
| Net interest margin | 5.1294% | 211 |
| Noninterest income to average assets | 1.1554% | 691 |
| Noninterest expense to average assets | 4.4038% | 328 |
| Loan and lease loss provision to assets | 0.3629% | 408 |
| Net operating income to assets | 0.6996% | 4,136 |
| Return on assets (ROA) | 0.6996% | 4,140 |
| Pretax return on assets | 0.9028% | 3,892 |
| Return on Equity (ROE) | 4.4716% | 4,589 |
| Retained earnings to average equity (ytd only) | 3.5439% | 3,637 |
| Net charge-offs to loans | 0.6914% | 236 |
| Credit loss provision to net charge-offs | 85.0340% | 2,784 |
| Earnings coverage of net charge-offs (x) | 2.9660% | 3,472 |
| Efficiency ratio | 77.6754% | 1,166 |
| Assets per employee ($millions) | 2.5260% | 5,201 |
| Cash dividends to net income (ytd only)* | 20.7469% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 4,744 |
| Loan loss allowance to noncurrent loans | 80.7107% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 2.3570% | 343 |
| Noncurrent loans to loans | 0.8993% | 1,785 |
| Net loans and leases to total assets | 66.2251% | 3,100 |
| Net loans and leases to deposits | 80.1555% | 2,938 |
| Net loans and leases to core deposits | 82.8394% | 3,194 |
| Total domestic deposits to total assets | 82.6207% | 3,446 |
| Equity capital to assets | 16.5174% | 464 |
| Core capital (leverage) ratio | 15.8964% | 526 |
| Tier 1 risk-based capital ratio | 23.3975% | 869 |
| Total risk-based capital ratio | 24.0833% | 903 |
| Memoranda: | ||
| Average total assets | $34,447,600 | 5,184 |
| Average earning assets | $30,315,200 | 5,193 |
| Average equity | $5,389,600 | 4,988 |
| Average total loans | $21,261,000 | 5,048 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3377% | 493 |
| Cost of funding earning assets | 0.3648% | 4,086 |
| Net interest margin | 4.9729% | 274 |
| Noninterest income to average assets | 1.1133% | 757 |
| Noninterest expense to average assets | 4.0018% | 528 |
| Loan and lease loss provision to assets | 0.3826% | 335 |
| Net operating income to assets | 0.9679% | 3,227 |
| Return on assets (ROA) | 0.9679% | 3,240 |
| Pretax return on assets | 1.1095% | 3,360 |
| Return on Equity (ROE) | 6.2687% | 4,180 |
| Retained earnings to average equity (ytd only) | 6.2687% | 2,502 |
| Net charge-offs to loans | 0.1454% | 1,132 |
| Credit loss provision to net charge-offs | 434.7826% | 779 |
| Earnings coverage of net charge-offs (x) | 16.9544% | 2,133 |
| Efficiency ratio | 72.8412% | 1,760 |
| Assets per employee ($millions) | 2.6493% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,596 |
| Loan loss allowance to noncurrent loans | 78.1818% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 2.6335% | 316 |
| Noncurrent loans to loans | 1.5402% | 1,043 |
| Net loans and leases to total assets | 61.4616% | 3,702 |
| Net loans and leases to deposits | 73.8075% | 3,609 |
| Net loans and leases to core deposits | 77.5527% | 3,692 |
| Total domestic deposits to total assets | 83.2728% | 3,210 |
| Equity capital to assets | 15.9287% | 555 |
| Core capital (leverage) ratio | 15.8125% | 547 |
| Tier 1 risk-based capital ratio | 24.2389% | 817 |
| Total risk-based capital ratio | 25.3789% | 809 |
| Memoranda: | ||
| Average total assets | $34,850,000 | 5,244 |
| Average earning assets | $30,699,000 | 5,256 |
| Average equity | $5,381,000 | 5,044 |
| Average total loans | $21,099,750 | 5,112 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2459% | 514 |
| Cost of funding earning assets | 0.3627% | 3,989 |
| Net interest margin | 4.8832% | 314 |
| Noninterest income to average assets | 1.2176% | 653 |
| Noninterest expense to average assets | 4.0187% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3148% | 1,715 |
| Return on assets (ROA) | 1.3148% | 1,715 |
| Pretax return on assets | 1.5092% | 1,783 |
| Return on Equity (ROE) | 8.6046% | 3,209 |
| Retained earnings to average equity (ytd only) | 8.6046% | 1,356 |
| Net charge-offs to loans | 0.0858% | 1,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 29.3333% | 1,523 |
| Efficiency ratio | 72.6991% | 1,884 |
| Assets per employee ($millions) | 2.6923% | 5,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 4,704 |
| Loan loss allowance to noncurrent loans | 53.0864% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 2.5743% | 330 |
| Noncurrent loans to loans | 1.5031% | 1,114 |
| Net loans and leases to total assets | 61.0971% | 3,698 |
| Net loans and leases to deposits | 73.0727% | 3,620 |
| Net loans and leases to core deposits | 76.6946% | 3,685 |
| Total domestic deposits to total assets | 83.6114% | 3,216 |
| Equity capital to assets | 15.6086% | 573 |
| Core capital (leverage) ratio | 15.8375% | 525 |
| Tier 1 risk-based capital ratio | 24.1224% | 822 |
| Total risk-based capital ratio | 24.8819% | 841 |
| Memoranda: | ||
| Average total assets | $34,986,330 | 5,306 |
| Average earning assets | $30,881,330 | 5,319 |
| Average equity | $5,346,000 | 5,104 |
| Average total loans | $20,991,000 | 5,174 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1026% | 582 |
| Cost of funding earning assets | 0.3608% | 3,906 |
| Net interest margin | 4.7418% | 377 |
| Noninterest income to average assets | 1.2121% | 630 |
| Noninterest expense to average assets | 4.0023% | 530 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2464% | 1,822 |
| Return on assets (ROA) | 1.2464% | 1,835 |
| Pretax return on assets | 1.4180% | 1,947 |
| Return on Equity (ROE) | 8.2459% | 3,275 |
| Retained earnings to average equity (ytd only) | 8.2459% | 1,750 |
| Net charge-offs to loans | 0.0579% | 1,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 41.3333% | 1,050 |
| Efficiency ratio | 49.1561% | 5,128 |
| Assets per employee ($millions) | 2.8862% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 4,759 |
| Loan loss allowance to noncurrent loans | 52.1994% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 2.6506% | 332 |
| Noncurrent loans to loans | 1.5568% | 1,125 |
| Net loans and leases to total assets | 62.7303% | 3,455 |
| Net loans and leases to deposits | 74.7754% | 3,335 |
| Net loans and leases to core deposits | 78.5012% | 3,451 |
| Total domestic deposits to total assets | 83.8916% | 3,374 |
| Equity capital to assets | 15.4241% | 582 |
| Core capital (leverage) ratio | 15.4460% | 561 |
| Tier 1 risk-based capital ratio | 23.2879% | 916 |
| Total risk-based capital ratio | 24.0638% | 943 |
| Memoranda: | ||
| Average total assets | $34,979,500 | 5,364 |
| Average earning assets | $31,043,000 | 5,372 |
| Average equity | $5,287,500 | 5,171 |
| Average total loans | $20,708,500 | 5,238 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8663% | 857 |
| Cost of funding earning assets | 0.3057% | 4,079 |
| Net interest margin | 4.5606% | 542 |
| Noninterest income to average assets | 1.0525% | 917 |
| Noninterest expense to average assets | 4.1795% | 426 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9773% | 2,338 |
| Return on assets (ROA) | 0.9773% | 2,379 |
| Pretax return on assets | 0.9022% | 3,922 |
| Return on Equity (ROE) | 6.9831% | 3,287 |
| Retained earnings to average equity (ytd only) | 6.9831% | 1,079 |
| Net charge-offs to loans | 0.0604% | 2,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 29.4545% | 1,570 |
| Efficiency ratio | 82.2466% | 911 |
| Assets per employee ($millions) | 2.7173% | 5,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 4,331 |
| Loan loss allowance to noncurrent loans | 55.8642% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 2.5506% | 362 |
| Noncurrent loans to loans | 1.6604% | 989 |
| Net loans and leases to total assets | 54.7261% | 4,296 |
| Net loans and leases to deposits | 64.7118% | 4,281 |
| Net loans and leases to core deposits | 66.4376% | 4,393 |
| Total domestic deposits to total assets | 84.5690% | 3,009 |
| Equity capital to assets | 14.8139% | 715 |
| Core capital (leverage) ratio | 14.5965% | 709 |
| Tier 1 risk-based capital ratio | 25.2607% | 705 |
| Total risk-based capital ratio | 26.1344% | 714 |
| Memoranda: | ||
| Average total assets | $35,913,800 | 5,398 |
| Average earning assets | $31,728,400 | 5,411 |
| Average equity | $5,026,400 | 5,270 |
| Average total loans | $18,208,200 | 5,354 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7370% | 1,061 |
| Cost of funding earning assets | 0.3063% | 4,073 |
| Net interest margin | 4.4307% | 686 |
| Noninterest income to average assets | 1.0574% | 913 |
| Noninterest expense to average assets | 3.9488% | 554 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7469% | 3,752 |
| Return on assets (ROA) | 0.7469% | 3,812 |
| Pretax return on assets | 1.0131% | 3,636 |
| Return on Equity (ROE) | 5.4139% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.4139% | 2,594 |
| Net charge-offs to loans | 0.0597% | 2,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 34.2381% | 1,449 |
| Efficiency ratio | 79.5827% | 1,156 |
| Assets per employee ($millions) | 2.9739% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 4,477 |
| Loan loss allowance to noncurrent loans | 41.3483% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 2.7237% | 354 |
| Noncurrent loans to loans | 2.2192% | 735 |
| Net loans and leases to total assets | 55.6729% | 4,258 |
| Net loans and leases to deposits | 65.6598% | 4,279 |
| Net loans and leases to core deposits | 67.3948% | 4,394 |
| Total domestic deposits to total assets | 84.7900% | 2,802 |
| Equity capital to assets | 14.2461% | 927 |
| Core capital (leverage) ratio | 14.4121% | 788 |
| Tier 1 risk-based capital ratio | 24.0219% | 849 |
| Total risk-based capital ratio | 24.8913% | 868 |
| Memoranda: | ||
| Average total assets | $36,061,000 | 5,458 |
| Average earning assets | $31,777,250 | 5,467 |
| Average equity | $4,974,750 | 5,334 |
| Average total loans | $17,882,000 | 5,421 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5739% | 1,314 |
| Cost of funding earning assets | 0.3070% | 4,016 |
| Net interest margin | 4.2669% | 946 |
| Noninterest income to average assets | 1.0778% | 863 |
| Noninterest expense to average assets | 3.9795% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6577% | 4,042 |
| Return on assets (ROA) | 0.6577% | 4,101 |
| Pretax return on assets | 0.8622% | 4,071 |
| Return on Equity (ROE) | 4.8194% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.8194% | 2,836 |
| Net charge-offs to loans | 0.0816% | 1,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 22.2857% | 1,715 |
| Efficiency ratio | 82.1918% | 986 |
| Assets per employee ($millions) | 2.7164% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 4,001 |
| Loan loss allowance to noncurrent loans | 44.2584% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 2.6902% | 375 |
| Noncurrent loans to loans | 2.3136% | 686 |
| Net loans and leases to total assets | 50.6386% | 4,664 |
| Net loans and leases to deposits | 59.5749% | 4,663 |
| Net loans and leases to core deposits | 61.1580% | 4,761 |
| Total domestic deposits to total assets | 84.9999% | 2,809 |
| Equity capital to assets | 14.1619% | 915 |
| Core capital (leverage) ratio | 13.9951% | 866 |
| Tier 1 risk-based capital ratio | 25.8824% | 683 |
| Total risk-based capital ratio | 26.8399% | 688 |
| Memoranda: | ||
| Average total assets | $36,185,670 | 5,501 |
| Average earning assets | $31,920,000 | 5,507 |
| Average equity | $4,938,330 | 5,374 |
| Average total loans | $17,158,670 | 5,483 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 1,614 |
| Cost of funding earning assets | 0.3089% | 3,951 |
| Net interest margin | 4.1022% | 1,210 |
| Noninterest income to average assets | 1.0922% | 830 |
| Noninterest expense to average assets | 4.0741% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5570% | 4,346 |
| Return on assets (ROA) | 0.5570% | 4,393 |
| Pretax return on assets | 0.6444% | 4,614 |
| Return on Equity (ROE) | 4.1573% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.1573% | 3,379 |
| Net charge-offs to loans | 0.2155% | 821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.5556% | 2,207 |
| Efficiency ratio | 86.3426% | 780 |
| Assets per employee ($millions) | 2.5937% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,839 |
| Loan loss allowance to noncurrent loans | 45.6359% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 2.5942% | 439 |
| Noncurrent loans to loans | 2.3610% | 689 |
| Net loans and leases to total assets | 46.2685% | 4,927 |
| Net loans and leases to deposits | 53.9635% | 4,938 |
| Net loans and leases to core deposits | 55.3429% | 5,004 |
| Total domestic deposits to total assets | 85.7403% | 2,779 |
| Equity capital to assets | 13.5850% | 1,038 |
| Core capital (leverage) ratio | 13.4870% | 980 |
| Tier 1 risk-based capital ratio | 27.4498% | 597 |
| Total risk-based capital ratio | 28.4681% | 600 |
| Memoranda: | ||
| Average total assets | $36,622,000 | 5,554 |
| Average earning assets | $32,372,500 | 5,569 |
| Average equity | $4,907,000 | 5,431 |
| Average total loans | $16,704,500 | 5,560 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7272% | 1,011 |
| Cost of funding earning assets | 0.3131% | 3,915 |
| Net interest margin | 4.4141% | 754 |
| Noninterest income to average assets | 0.9881% | 1,175 |
| Noninterest expense to average assets | 4.2854% | 454 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4558% | 4,779 |
| Return on assets (ROA) | 0.4558% | 4,859 |
| Pretax return on assets | 0.6278% | 4,714 |
| Return on Equity (ROE) | 3.4584% | 5,028 |
| Retained earnings to average equity (ytd only) | 2.8371% | 3,876 |
| Net charge-offs to loans | 0.3939% | 675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.6508% | 3,626 |
| Efficiency ratio | 87.2222% | 735 |
| Assets per employee ($millions) | 2.8409% | 5,459 |
| Cash dividends to net income (ytd only)* | 17.9641% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 3,315 |
| Loan loss allowance to noncurrent loans | 66.8990% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.3394% | 529 |
| Noncurrent loans to loans | 1.7473% | 1,101 |
| Net loans and leases to total assets | 43.9538% | 5,122 |
| Net loans and leases to deposits | 51.1743% | 5,163 |
| Net loans and leases to core deposits | 52.4542% | 5,206 |
| Total domestic deposits to total assets | 85.8903% | 2,636 |
| Equity capital to assets | 13.2162% | 1,167 |
| Core capital (leverage) ratio | 12.8603% | 1,185 |
| Tier 1 risk-based capital ratio | 27.6763% | 585 |
| Total risk-based capital ratio | 28.7650% | 579 |
| Memoranda: | ||
| Average total assets | $36,636,000 | 5,604 |
| Average earning assets | $32,577,400 | 5,614 |
| Average equity | $4,828,800 | 5,493 |
| Average total loans | $15,993,400 | 5,642 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5234% | 1,468 |
| Cost of funding earning assets | 0.3117% | 3,958 |
| Net interest margin | 4.2117% | 1,099 |
| Noninterest income to average assets | 1.0320% | 1,072 |
| Noninterest expense to average assets | 3.9822% | 606 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5652% | 4,433 |
| Return on assets (ROA) | 0.5652% | 4,536 |
| Pretax return on assets | 0.7950% | 4,323 |
| Return on Equity (ROE) | 4.2913% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.2913% | 3,270 |
| Net charge-offs to loans | 0.3861% | 567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.7393% | 3,229 |
| Efficiency ratio | 83.3588% | 1,039 |
| Assets per employee ($millions) | 2.9068% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,874 |
| Loan loss allowance to noncurrent loans | 47.7169% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 2.6860% | 480 |
| Noncurrent loans to loans | 2.6472% | 630 |
| Net loans and leases to total assets | 43.2333% | 5,242 |
| Net loans and leases to deposits | 50.1104% | 5,297 |
| Net loans and leases to core deposits | 51.3387% | 5,337 |
| Total domestic deposits to total assets | 86.2761% | 2,230 |
| Equity capital to assets | 12.9644% | 1,500 |
| Core capital (leverage) ratio | 13.1010% | 1,150 |
| Tier 1 risk-based capital ratio | 27.6952% | 599 |
| Total risk-based capital ratio | 28.8767% | 590 |
| Memoranda: | ||
| Average total assets | $36,562,000 | 5,661 |
| Average earning assets | $32,511,500 | 5,677 |
| Average equity | $4,815,750 | 5,550 |
| Average total loans | $15,885,500 | 5,699 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 1,452 |
| Cost of funding earning assets | 0.3099% | 4,019 |
| Net interest margin | 4.2149% | 1,087 |
| Noninterest income to average assets | 0.9847% | 1,155 |
| Noninterest expense to average assets | 4.0439% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4536% | 4,858 |
| Return on assets (ROA) | 0.4536% | 4,945 |
| Pretax return on assets | 0.7026% | 4,613 |
| Return on Equity (ROE) | 3.4252% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.4252% | 3,712 |
| Net charge-offs to loans | 0.0894% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 18.1429% | 1,842 |
| Efficiency ratio | 85.1981% | 953 |
| Assets per employee ($millions) | 2.2988% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,804 |
| Loan loss allowance to noncurrent loans | 59.3301% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 2.7052% | 481 |
| Noncurrent loans to loans | 2.5531% | 674 |
| Net loans and leases to total assets | 43.8379% | 5,242 |
| Net loans and leases to deposits | 50.8772% | 5,296 |
| Net loans and leases to core deposits | 52.1576% | 5,357 |
| Total domestic deposits to total assets | 86.1641% | 2,347 |
| Equity capital to assets | 13.1209% | 1,438 |
| Core capital (leverage) ratio | 12.9801% | 1,153 |
| Tier 1 risk-based capital ratio | 27.3940% | 624 |
| Total risk-based capital ratio | 28.6485% | 610 |
| Memoranda: | ||
| Average total assets | $36,153,330 | 5,737 |
| Average earning assets | $32,266,670 | 5,749 |
| Average equity | $4,788,000 | 5,612 |
| Average total loans | $15,665,330 | 5,772 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4930% | 1,526 |
| Cost of funding earning assets | 0.2987% | 4,179 |
| Net interest margin | 4.1943% | 1,107 |
| Noninterest income to average assets | 0.9710% | 1,148 |
| Noninterest expense to average assets | 3.9063% | 681 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5580% | 4,379 |
| Return on assets (ROA) | 0.5580% | 4,481 |
| Pretax return on assets | 0.8259% | 4,119 |
| Return on Equity (ROE) | 4.1938% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.1938% | 3,382 |
| Net charge-offs to loans | 0.1829% | 1,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 10.5714% | 1,912 |
| Efficiency ratio | 82.5472% | 1,316 |
| Assets per employee ($millions) | 2.1137% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 1,649 |
| Loan loss allowance to noncurrent loans | 58.3924% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 2.9569% | 432 |
| Noncurrent loans to loans | 2.7162% | 650 |
| Net loans and leases to total assets | 45.3177% | 5,167 |
| Net loans and leases to deposits | 53.1931% | 5,155 |
| Net loans and leases to core deposits | 54.6674% | 5,201 |
| Total domestic deposits to total assets | 85.1947% | 3,040 |
| Equity capital to assets | 14.1755% | 925 |
| Core capital (leverage) ratio | 13.3922% | 1,023 |
| Tier 1 risk-based capital ratio | 28.5120% | 575 |
| Total risk-based capital ratio | 29.7669% | 560 |
| Memoranda: | ||
| Average total assets | $35,839,500 | 5,801 |
| Average earning assets | $32,139,000 | 5,805 |
| Average equity | $4,769,000 | 5,662 |
| Average total loans | $15,312,000 | 5,834 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8269% | 881 |
| Cost of funding earning assets | 0.3297% | 3,913 |
| Net interest margin | 4.4971% | 659 |
| Noninterest income to average assets | 0.9626% | 1,286 |
| Noninterest expense to average assets | 4.3150% | 477 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5876% | 4,338 |
| Return on assets (ROA) | 0.5876% | 4,432 |
| Pretax return on assets | 0.6548% | 4,663 |
| Return on Equity (ROE) | 4.5128% | 4,740 |
| Retained earnings to average equity (ytd only) | 3.8681% | 3,283 |
| Net charge-offs to loans | 0.1709% | 1,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,878 |
| Efficiency ratio | 86.8243% | 926 |
| Assets per employee ($millions) | 2.3663% | 5,945 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6942% | 1,362 |
| Loan loss allowance to noncurrent loans | 67.4603% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 2.5568% | 602 |
| Noncurrent loans to loans | 2.5115% | 726 |
| Net loans and leases to total assets | 39.0808% | 5,571 |
| Net loans and leases to deposits | 44.9535% | 5,614 |
| Net loans and leases to core deposits | 46.0375% | 5,649 |
| Total domestic deposits to total assets | 86.9361% | 2,171 |
| Equity capital to assets | 12.5304% | 1,607 |
| Core capital (leverage) ratio | 13.6573% | 918 |
| Tier 1 risk-based capital ratio | 28.6093% | 574 |
| Total risk-based capital ratio | 29.8637% | 560 |
| Memoranda: | ||
| Average total assets | $35,735,600 | 5,857 |
| Average earning assets | $31,842,600 | 5,860 |
| Average equity | $4,653,400 | 5,728 |
| Average total loans | $15,217,000 | 5,888 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 813 |
| Cost of funding earning assets | 0.3417% | 3,839 |
| Net interest margin | 4.5325% | 612 |
| Noninterest income to average assets | 0.9279% | 1,377 |
| Noninterest expense to average assets | 4.3289% | 472 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4090% | 5,131 |
| Return on assets (ROA) | 0.4090% | 5,221 |
| Pretax return on assets | 0.6173% | 4,935 |
| Return on Equity (ROE) | 3.1096% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.1096% | 4,240 |
| Net charge-offs to loans | 0.2447% | 1,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.8219% | 3,146 |
| Efficiency ratio | 87.5191% | 887 |
| Assets per employee ($millions) | 2.1516% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 1,777 |
| Loan loss allowance to noncurrent loans | 43.3962% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 2.7190% | 599 |
| Noncurrent loans to loans | 3.6983% | 393 |
| Net loans and leases to total assets | 45.0574% | 5,289 |
| Net loans and leases to deposits | 52.5583% | 5,337 |
| Net loans and leases to core deposits | 53.9738% | 5,405 |
| Total domestic deposits to total assets | 85.7284% | 2,678 |
| Equity capital to assets | 13.5715% | 1,197 |
| Core capital (leverage) ratio | 12.9756% | 1,209 |
| Tier 1 risk-based capital ratio | 26.7936% | 707 |
| Total risk-based capital ratio | 28.0438% | 683 |
| Memoranda: | ||
| Average total assets | $35,204,500 | 5,947 |
| Average earning assets | $31,210,500 | 5,953 |
| Average equity | $4,630,750 | 5,815 |
| Average total loans | $15,258,500 | 5,964 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8289% | 843 |
| Cost of funding earning assets | 0.3440% | 3,879 |
| Net interest margin | 4.4849% | 659 |
| Noninterest income to average assets | 1.0377% | 1,100 |
| Noninterest expense to average assets | 4.1845% | 557 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5527% | 4,549 |
| Return on assets (ROA) | 0.5527% | 4,657 |
| Pretax return on assets | 0.8234% | 4,237 |
| Return on Equity (ROE) | 4.2452% | 4,928 |
| Retained earnings to average equity (ytd only) | 4.2452% | 3,330 |
| Net charge-offs to loans | 0.1060% | 1,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 18.2500% | 1,812 |
| Efficiency ratio | 83.5586% | 1,308 |
| Assets per employee ($millions) | 2.2290% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 1,425 |
| Loan loss allowance to noncurrent loans | 42.8571% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 3.0815% | 527 |
| Noncurrent loans to loans | 4.1366% | 358 |
| Net loans and leases to total assets | 42.4125% | 5,474 |
| Net loans and leases to deposits | 49.2639% | 5,543 |
| Net loans and leases to core deposits | 50.5345% | 5,592 |
| Total domestic deposits to total assets | 86.0924% | 2,649 |
| Equity capital to assets | 13.0720% | 1,368 |
| Core capital (leverage) ratio | 13.3391% | 1,034 |
| Tier 1 risk-based capital ratio | 26.9200% | 711 |
| Total risk-based capital ratio | 28.1730% | 698 |
| Memoranda: | ||
| Average total assets | $35,464,330 | 6,006 |
| Average earning assets | $31,394,000 | 6,018 |
| Average equity | $4,617,000 | 5,876 |
| Average total loans | $15,090,000 | 6,030 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0355% | 548 |
| Cost of funding earning assets | 0.3459% | 3,912 |
| Net interest margin | 4.6895% | 416 |
| Noninterest income to average assets | 0.9840% | 1,154 |
| Noninterest expense to average assets | 4.0493% | 651 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6900% | 3,848 |
| Return on assets (ROA) | 0.6900% | 3,974 |
| Pretax return on assets | 1.0745% | 3,196 |
| Return on Equity (ROE) | 5.3107% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.3107% | 2,881 |
| Net charge-offs to loans | 0.0536% | 2,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 867 |
| Efficiency ratio | 79.0287% | 2,035 |
| Assets per employee ($millions) | 2.1787% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 1,325 |
| Loan loss allowance to noncurrent loans | 41.5797% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 3.0590% | 607 |
| Noncurrent loans to loans | 4.5143% | 346 |
| Net loans and leases to total assets | 39.3785% | 5,635 |
| Net loans and leases to deposits | 45.3711% | 5,685 |
| Net loans and leases to core deposits | 46.4964% | 5,729 |
| Total domestic deposits to total assets | 86.7919% | 2,499 |
| Equity capital to assets | 12.4872% | 1,701 |
| Core capital (leverage) ratio | 13.1135% | 1,119 |
| Tier 1 risk-based capital ratio | 27.7079% | 668 |
| Total risk-based capital ratio | 28.9660% | 654 |
| Memoranda: | ||
| Average total assets | $35,364,500 | 6,072 |
| Average earning assets | $31,218,500 | 6,084 |
| Average equity | $4,594,500 | 5,930 |
| Average total loans | $14,935,500 | 6,087 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9980% | 777 |
| Cost of funding earning assets | 0.3987% | 3,703 |
| Net interest margin | 4.5993% | 617 |
| Noninterest income to average assets | 1.2537% | 771 |
| Noninterest expense to average assets | 4.3757% | 515 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5459% | 4,611 |
| Return on assets (ROA) | 0.5459% | 4,698 |
| Pretax return on assets | 0.8971% | 3,917 |
| Return on Equity (ROE) | 4.4511% | 4,915 |
| Retained earnings to average equity (ytd only) | 4.4511% | 3,008 |
| Net charge-offs to loans | 0.2690% | 1,608 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.9756% | 2,944 |
| Efficiency ratio | 82.9865% | 1,528 |
| Assets per employee ($millions) | 2.1057% | 6,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8725% | 1,378 |
| Loan loss allowance to noncurrent loans | 44.3218% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 3.2739% | 584 |
| Noncurrent loans to loans | 4.2247% | 412 |
| Net loans and leases to total assets | 43.7090% | 5,481 |
| Net loans and leases to deposits | 50.9709% | 5,533 |
| Net loans and leases to core deposits | 52.8609% | 5,576 |
| Total domestic deposits to total assets | 85.7529% | 2,963 |
| Equity capital to assets | 13.5466% | 1,142 |
| Core capital (leverage) ratio | 12.4734% | 1,367 |
| Tier 1 risk-based capital ratio | 26.1938% | 749 |
| Total risk-based capital ratio | 27.4506% | 729 |
| Memoranda: | ||
| Average total assets | $36,451,400 | 6,118 |
| Average earning assets | $31,852,600 | 6,146 |
| Average equity | $4,470,800 | 5,993 |
| Average total loans | $15,241,000 | 6,158 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8791% | 971 |
| Cost of funding earning assets | 0.3980% | 3,808 |
| Net interest margin | 4.4810% | 773 |
| Noninterest income to average assets | 1.0734% | 1,059 |
| Noninterest expense to average assets | 4.0493% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6103% | 4,400 |
| Return on assets (ROA) | 0.6103% | 4,489 |
| Pretax return on assets | 0.9441% | 3,813 |
| Return on Equity (ROE) | 5.0963% | 4,676 |
| Retained earnings to average equity (ytd only) | 5.0963% | 3,023 |
| Net charge-offs to loans | 0.3312% | 1,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.9205% | 3,003 |
| Efficiency ratio | 81.0927% | 1,743 |
| Assets per employee ($millions) | 2.3343% | 6,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8884% | 1,476 |
| Loan loss allowance to noncurrent loans | 41.2192% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 3.5905% | 586 |
| Noncurrent loans to loans | 4.5814% | 422 |
| Net loans and leases to total assets | 39.5057% | 5,844 |
| Net loans and leases to deposits | 45.4349% | 5,905 |
| Net loans and leases to core deposits | 46.9247% | 5,928 |
| Total domestic deposits to total assets | 86.9501% | 2,345 |
| Equity capital to assets | 12.1422% | 1,954 |
| Core capital (leverage) ratio | 12.2936% | 1,515 |
| Tier 1 risk-based capital ratio | 25.2942% | 852 |
| Total risk-based capital ratio | 26.5492% | 837 |
| Memoranda: | ||
| Average total assets | $37,141,500 | 6,175 |
| Average earning assets | $32,491,500 | 6,207 |
| Average equity | $4,447,500 | 6,061 |
| Average total loans | $15,299,500 | 6,225 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 892 |
| Cost of funding earning assets | 0.4001% | 3,865 |
| Net interest margin | 4.5121% | 688 |
| Noninterest income to average assets | 1.0574% | 1,065 |
| Noninterest expense to average assets | 4.0515% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5772% | 4,468 |
| Return on assets (ROA) | 0.5772% | 4,571 |
| Pretax return on assets | 0.9603% | 3,643 |
| Return on Equity (ROE) | 4.8435% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.8435% | 3,059 |
| Net charge-offs to loans | 0.1690% | 2,040 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.6923% | 1,960 |
| Efficiency ratio | 80.8396% | 1,901 |
| Assets per employee ($millions) | 2.0741% | 6,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9841% | 1,391 |
| Loan loss allowance to noncurrent loans | 41.0359% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 3.9848% | 533 |
| Noncurrent loans to loans | 4.8350% | 430 |
| Net loans and leases to total assets | 43.2939% | 5,578 |
| Net loans and leases to deposits | 50.1149% | 5,631 |
| Net loans and leases to core deposits | 51.4198% | 5,704 |
| Total domestic deposits to total assets | 86.3893% | 2,827 |
| Equity capital to assets | 12.6833% | 1,548 |
| Core capital (leverage) ratio | 12.7092% | 1,284 |
| Tier 1 risk-based capital ratio | 24.6269% | 914 |
| Total risk-based capital ratio | 25.8825% | 897 |
| Memoranda: | ||
| Average total assets | $37,072,330 | 6,237 |
| Average earning assets | $32,490,330 | 6,270 |
| Average equity | $4,418,330 | 6,115 |
| Average total loans | $15,386,330 | 6,274 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 1,037 |
| Cost of funding earning assets | 0.3963% | 4,017 |
| Net interest margin | 4.4077% | 791 |
| Noninterest income to average assets | 1.1269% | 877 |
| Noninterest expense to average assets | 4.0233% | 736 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5582% | 4,422 |
| Return on assets (ROA) | 0.5582% | 4,500 |
| Pretax return on assets | 0.9690% | 3,444 |
| Return on Equity (ROE) | 4.8275% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.8275% | 3,212 |
| Net charge-offs to loans | 0.1831% | 1,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 13.1429% | 1,679 |
| Efficiency ratio | 80.5907% | 2,117 |
| Assets per employee ($millions) | 2.2154% | 6,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0492% | 1,422 |
| Loan loss allowance to noncurrent loans | 44.1176% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 3.8820% | 630 |
| Noncurrent loans to loans | 4.6448% | 505 |
| Net loans and leases to total assets | 39.9804% | 5,811 |
| Net loans and leases to deposits | 45.7646% | 5,867 |
| Net loans and leases to core deposits | 46.8627% | 5,941 |
| Total domestic deposits to total assets | 87.3609% | 2,591 |
| Equity capital to assets | 11.7310% | 2,077 |
| Core capital (leverage) ratio | 11.9367% | 1,689 |
| Tier 1 risk-based capital ratio | 24.4210% | 945 |
| Total risk-based capital ratio | 25.6758% | 932 |
| Memoranda: | ||
| Average total assets | $37,979,000 | 6,283 |
| Average earning assets | $33,305,500 | 6,304 |
| Average equity | $4,391,500 | 6,163 |
| Average total loans | $15,292,500 | 6,340 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 1,878 |
| Cost of funding earning assets | 0.5516% | 3,095 |
| Net interest margin | 4.0478% | 1,813 |
| Noninterest income to average assets | 0.9902% | 1,420 |
| Noninterest expense to average assets | 3.6181% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5064% | 4,704 |
| Return on assets (ROA) | 0.5064% | 4,834 |
| Pretax return on assets | 0.9222% | 3,673 |
| Return on Equity (ROE) | 4.6790% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.0970% | 3,265 |
| Net charge-offs to loans | 0.2401% | 2,535 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 9.6316% | 2,477 |
| Efficiency ratio | 79.6892% | 2,206 |
| Assets per employee ($millions) | 2.2528% | 6,544 |
| Cash dividends to net income (ytd only)* | 12.4378% | 3,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1166% | 1,308 |
| Loan loss allowance to noncurrent loans | 33.6117% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 4.0917% | 637 |
| Noncurrent loans to loans | 6.2972% | 301 |
| Net loans and leases to total assets | 38.8829% | 6,034 |
| Net loans and leases to deposits | 44.2460% | 6,110 |
| Net loans and leases to core deposits | 46.0082% | 6,136 |
| Total domestic deposits to total assets | 87.8789% | 2,254 |
| Equity capital to assets | 11.3978% | 2,237 |
| Core capital (leverage) ratio | 11.8302% | 1,733 |
| Tier 1 risk-based capital ratio | 24.3596% | 918 |
| Total risk-based capital ratio | 25.6153% | 904 |
| Memoranda: | ||
| Average total assets | $39,689,000 | 6,298 |
| Average earning assets | $34,808,800 | 6,325 |
| Average equity | $4,295,800 | 6,264 |
| Average total loans | $15,824,200 | 6,382 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5446% | 2,059 |
| Cost of funding earning assets | 0.5961% | 2,846 |
| Net interest margin | 3.9485% | 2,121 |
| Noninterest income to average assets | 0.9658% | 1,559 |
| Noninterest expense to average assets | 3.4467% | 1,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5928% | 4,386 |
| Return on assets (ROA) | 0.5928% | 4,510 |
| Pretax return on assets | 0.9824% | 3,576 |
| Return on Equity (ROE) | 5.5470% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.5470% | 2,698 |
| Net charge-offs to loans | 0.1335% | 3,207 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 18.4398% | 1,682 |
| Efficiency ratio | 77.8195% | 2,447 |
| Assets per employee ($millions) | 2.6235% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2155% | 1,303 |
| Loan loss allowance to noncurrent loans | 36.4407% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 3.9541% | 795 |
| Noncurrent loans to loans | 6.0797% | 415 |
| Net loans and leases to total assets | 38.5825% | 6,135 |
| Net loans and leases to deposits | 43.7475% | 6,215 |
| Net loans and leases to core deposits | 46.3377% | 6,200 |
| Total domestic deposits to total assets | 88.1937% | 2,002 |
| Equity capital to assets | 11.0947% | 2,674 |
| Core capital (leverage) ratio | 11.0222% | 2,462 |
| Tier 1 risk-based capital ratio | 23.8384% | 1,029 |
| Total risk-based capital ratio | 25.0942% | 1,008 |
| Memoranda: | ||
| Average total assets | $40,037,000 | 6,357 |
| Average earning assets | $35,118,000 | 6,387 |
| Average equity | $4,278,500 | 6,342 |
| Average total loans | $15,977,000 | 6,436 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 2,308 |
| Cost of funding earning assets | 0.6167% | 2,793 |
| Net interest margin | 3.8529% | 2,366 |
| Noninterest income to average assets | 0.9487% | 1,663 |
| Noninterest expense to average assets | 3.4471% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5960% | 4,306 |
| Return on assets (ROA) | 0.5960% | 4,490 |
| Pretax return on assets | 0.8841% | 3,973 |
| Return on Equity (ROE) | 5.6479% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.6479% | 2,644 |
| Net charge-offs to loans | 0.0868% | 3,498 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 25.4286% | 1,265 |
| Efficiency ratio | 79.5872% | 2,213 |
| Assets per employee ($millions) | 2.7554% | 6,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2669% | 1,306 |
| Loan loss allowance to noncurrent loans | 38.4532% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 3.7018% | 1,000 |
| Noncurrent loans to loans | 5.8952% | 497 |
| Net loans and leases to total assets | 36.8222% | 6,249 |
| Net loans and leases to deposits | 41.3335% | 6,351 |
| Net loans and leases to core deposits | 43.3886% | 6,356 |
| Total domestic deposits to total assets | 89.0857% | 1,578 |
| Equity capital to assets | 10.4256% | 3,393 |
| Core capital (leverage) ratio | 10.7876% | 2,579 |
| Tier 1 risk-based capital ratio | 24.2870% | 965 |
| Total risk-based capital ratio | 25.5439% | 945 |
| Memoranda: | ||
| Average total assets | $40,265,330 | 6,393 |
| Average earning assets | $35,350,000 | 6,424 |
| Average equity | $4,249,330 | 6,397 |
| Average total loans | $16,127,000 | 6,468 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 2,177 |
| Cost of funding earning assets | 0.6441% | 2,710 |
| Net interest margin | 3.8533% | 2,270 |
| Noninterest income to average assets | 0.8557% | 1,912 |
| Noninterest expense to average assets | 3.4028% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6242% | 4,104 |
| Return on assets (ROA) | 0.6242% | 4,258 |
| Pretax return on assets | 0.8255% | 4,061 |
| Return on Equity (ROE) | 5.8775% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.8775% | 2,747 |
| Net charge-offs to loans | -0.0244% | 5,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4762% | 2,257 |
| Assets per employee ($millions) | 2.4129% | 6,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2382% | 1,506 |
| Loan loss allowance to noncurrent loans | 38.2011% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 4.0329% | 981 |
| Noncurrent loans to loans | 5.8590% | 576 |
| Net loans and leases to total assets | 40.8423% | 5,930 |
| Net loans and leases to deposits | 46.1538% | 6,050 |
| Net loans and leases to core deposits | 48.6306% | 6,060 |
| Total domestic deposits to total assets | 88.4917% | 2,013 |
| Equity capital to assets | 11.0084% | 2,951 |
| Core capital (leverage) ratio | 10.7483% | 2,496 |
| Tier 1 risk-based capital ratio | 23.7603% | 1,048 |
| Total risk-based capital ratio | 25.0238% | 1,027 |
| Memoranda: | ||
| Average total assets | $39,732,500 | 6,466 |
| Average earning assets | $34,775,500 | 6,496 |
| Average equity | $4,219,500 | 6,463 |
| Average total loans | $16,404,500 | 6,513 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9767% | 1,629 |
| Cost of funding earning assets | 0.8844% | 2,038 |
| Net interest margin | 4.0923% | 2,035 |
| Noninterest income to average assets | 1.5312% | 671 |
| Noninterest expense to average assets | 3.6302% | 1,542 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9537% | 2,528 |
| Return on assets (ROA) | 0.9537% | 2,778 |
| Pretax return on assets | 1.3929% | 2,060 |
| Return on Equity (ROE) | 9.7152% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.7152% | 651 |
| Net charge-offs to loans | -0.0242% | 6,583 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2705% | 3,368 |
| Assets per employee ($millions) | 2.5536% | 6,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1583% | 1,632 |
| Loan loss allowance to noncurrent loans | 42.0070% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 3.5954% | 1,248 |
| Noncurrent loans to loans | 5.1379% | 758 |
| Net loans and leases to total assets | 39.9432% | 6,169 |
| Net loans and leases to deposits | 44.7172% | 6,327 |
| Net loans and leases to core deposits | 46.9492% | 6,329 |
| Total domestic deposits to total assets | 89.3240% | 1,354 |
| Equity capital to assets | 10.2526% | 3,822 |
| Core capital (leverage) ratio | 10.6201% | 2,633 |
| Tier 1 risk-based capital ratio | 22.2985% | 1,212 |
| Total risk-based capital ratio | 23.5548% | 1,186 |
| Memoranda: | ||
| Average total assets | $41,209,400 | 6,464 |
| Average earning assets | $35,164,000 | 6,526 |
| Average equity | $4,045,200 | 6,555 |
| Average total loans | $16,552,400 | 6,572 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 1,638 |
| Cost of funding earning assets | 0.9368% | 1,943 |
| Net interest margin | 4.0847% | 2,147 |
| Noninterest income to average assets | 1.7983% | 495 |
| Noninterest expense to average assets | 3.6321% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0622% | 2,244 |
| Return on assets (ROA) | 1.0622% | 2,459 |
| Pretax return on assets | 1.6433% | 1,437 |
| Return on Equity (ROE) | 10.9412% | 1,982 |
| Retained earnings to average equity (ytd only) | 10.9412% | 695 |
| Net charge-offs to loans | -0.0646% | 6,768 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8494% | 3,903 |
| Assets per employee ($millions) | 2.6064% | 6,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2251% | 1,661 |
| Loan loss allowance to noncurrent loans | 68.4211% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 3.1666% | 1,632 |
| Noncurrent loans to loans | 3.2520% | 1,696 |
| Net loans and leases to total assets | 40.9121% | 6,207 |
| Net loans and leases to deposits | 46.0314% | 6,380 |
| Net loans and leases to core deposits | 47.7976% | 6,432 |
| Total domestic deposits to total assets | 88.8787% | 1,495 |
| Equity capital to assets | 10.5484% | 3,782 |
| Core capital (leverage) ratio | 10.1714% | 3,318 |
| Tier 1 risk-based capital ratio | 21.7041% | 1,380 |
| Total risk-based capital ratio | 22.9672% | 1,355 |
| Memoranda: | ||
| Average total assets | $41,297,250 | 6,537 |
| Average earning assets | $35,154,750 | 6,608 |
| Average equity | $4,009,250 | 6,640 |
| Average total loans | $16,520,500 | 6,659 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 2,165 |
| Cost of funding earning assets | 0.9897% | 1,830 |
| Net interest margin | 3.8971% | 2,916 |
| Noninterest income to average assets | 2.1651% | 358 |
| Noninterest expense to average assets | 3.6307% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1753% | 1,800 |
| Return on assets (ROA) | 1.1753% | 2,001 |
| Pretax return on assets | 1.8320% | 976 |
| Return on Equity (ROE) | 12.4402% | 1,520 |
| Retained earnings to average equity (ytd only) | 12.4402% | 514 |
| Net charge-offs to loans | -0.1327% | 6,915 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4634% | 4,444 |
| Assets per employee ($millions) | 2.6039% | 6,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2305% | 1,705 |
| Loan loss allowance to noncurrent loans | 74.8980% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 2.8226% | 1,952 |
| Noncurrent loans to loans | 2.9780% | 1,992 |
| Net loans and leases to total assets | 38.6122% | 6,433 |
| Net loans and leases to deposits | 42.9124% | 6,606 |
| Net loans and leases to core deposits | 44.4294% | 6,643 |
| Total domestic deposits to total assets | 89.9791% | 932 |
| Equity capital to assets | 9.7041% | 4,758 |
| Core capital (leverage) ratio | 9.8463% | 3,652 |
| Tier 1 risk-based capital ratio | 22.0579% | 1,281 |
| Total risk-based capital ratio | 23.3182% | 1,261 |
| Memoranda: | ||
| Average total assets | $42,031,000 | 6,542 |
| Average earning assets | $35,565,330 | 6,638 |
| Average equity | $3,971,000 | 6,687 |
| Average total loans | $16,574,330 | 6,711 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9280% | 2,147 |
| Cost of funding earning assets | 1.0078% | 1,935 |
| Net interest margin | 3.9203% | 2,839 |
| Noninterest income to average assets | 2.9942% | 241 |
| Noninterest expense to average assets | 3.6954% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.6531% | 147 |
| Return on assets (ROA) | 2.6531% | 176 |
| Pretax return on assets | 2.6531% | 275 |
| Return on Equity (ROE) | 28.4625% | 120 |
| Retained earnings to average equity (ytd only) | 28.4625% | 62 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2090% | 5,885 |
| Assets per employee ($millions) | 2.4883% | 6,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1547% | 1,980 |
| Loan loss allowance to noncurrent loans | 82.9837% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 3.0167% | 1,924 |
| Noncurrent loans to loans | 2.5965% | 2,510 |
| Net loans and leases to total assets | 40.6058% | 6,297 |
| Net loans and leases to deposits | 45.5073% | 6,465 |
| Net loans and leases to core deposits | 47.6171% | 6,479 |
| Total domestic deposits to total assets | 89.2294% | 1,532 |
| Equity capital to assets | 10.2356% | 3,806 |
| Core capital (leverage) ratio | 9.6537% | 3,841 |
| Tier 1 risk-based capital ratio | 21.5517% | 1,373 |
| Total risk-based capital ratio | 22.8105% | 1,344 |
| Memoranda: | ||
| Average total assets | $42,215,000 | 6,592 |
| Average earning assets | $36,120,000 | 6,669 |
| Average equity | $3,935,000 | 6,738 |
| Average total loans | $16,634,500 | 6,764 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9035% | 516 |
| Cost of funding earning assets | 1.3149% | 1,415 |
| Net interest margin | 4.5885% | 946 |
| Noninterest income to average assets | 1.7261% | 476 |
| Noninterest expense to average assets | 3.8647% | 1,231 |
| Loan and lease loss provision to assets | -0.5092% | 7,334 |
| Net operating income to assets | 1.5403% | 758 |
| Return on assets (ROA) | 1.5403% | 826 |
| Pretax return on assets | 2.1997% | 372 |
| Return on Equity (ROE) | 16.8158% | 493 |
| Retained earnings to average equity (ytd only) | 16.8158% | 85 |
| Net charge-offs to loans | 0.3510% | 3,644 |
| Credit loss provision to net charge-offs | -322.5806% | 6,785 |
| Earnings coverage of net charge-offs (x) | 10.7097% | 1,806 |
| Efficiency ratio | 69.5692% | 4,048 |
| Assets per employee ($millions) | 3.1870% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1258% | 1,941 |
| Loan loss allowance to noncurrent loans | 74.9474% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 2.7388% | 2,220 |
| Noncurrent loans to loans | 2.8363% | 2,310 |
| Net loans and leases to total assets | 36.7363% | 6,722 |
| Net loans and leases to deposits | 40.5708% | 6,849 |
| Net loans and leases to core deposits | 42.2111% | 6,880 |
| Total domestic deposits to total assets | 90.5487% | 691 |
| Equity capital to assets | 8.5055% | 6,144 |
| Core capital (leverage) ratio | 8.6512% | 5,315 |
| Tier 1 risk-based capital ratio | 18.9665% | 1,906 |
| Total risk-based capital ratio | 20.2209% | 1,864 |
| Memoranda: | ||
| Average total assets | $39,278,200 | 6,701 |
| Average earning assets | $32,777,400 | 6,784 |
| Average equity | $3,597,800 | 6,851 |
| Average total loans | $17,662,400 | 6,774 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1889% | 331 |
| Cost of funding earning assets | 1.3906% | 1,273 |
| Net interest margin | 4.7982% | 626 |
| Noninterest income to average assets | 1.3845% | 682 |
| Noninterest expense to average assets | 3.7775% | 1,341 |
| Loan and lease loss provision to assets | -0.8785% | 7,426 |
| Net operating income to assets | 1.8800% | 444 |
| Return on assets (ROA) | 1.8800% | 482 |
| Pretax return on assets | 2.5230% | 234 |
| Return on Equity (ROE) | 20.1020% | 305 |
| Retained earnings to average equity (ytd only) | 20.1020% | 75 |
| Net charge-offs to loans | 0.3056% | 3,561 |
| Credit loss provision to net charge-offs | -609.7561% | 6,698 |
| Earnings coverage of net charge-offs (x) | 11.4136% | 1,809 |
| Efficiency ratio | 69.6695% | 4,008 |
| Assets per employee ($millions) | 2.8481% | 6,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8890% | 2,650 |
| Loan loss allowance to noncurrent loans | 106.5147% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 2.7336% | 2,375 |
| Noncurrent loans to loans | 1.7734% | 3,677 |
| Net loans and leases to total assets | 42.5942% | 6,454 |
| Net loans and leases to deposits | 47.4493% | 6,655 |
| Net loans and leases to core deposits | 48.5562% | 6,738 |
| Total domestic deposits to total assets | 89.7678% | 1,003 |
| Equity capital to assets | 9.3444% | 5,308 |
| Core capital (leverage) ratio | 9.2191% | 4,595 |
| Tier 1 risk-based capital ratio | 19.2987% | 1,857 |
| Total risk-based capital ratio | 20.5521% | 1,822 |
| Memoranda: | ||
| Average total assets | $37,943,250 | 6,800 |
| Average earning assets | $31,927,500 | 6,873 |
| Average equity | $3,548,500 | 6,922 |
| Average total loans | $17,891,250 | 6,827 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4420% | 223 |
| Cost of funding earning assets | 1.4473% | 1,202 |
| Net interest margin | 4.9946% | 398 |
| Noninterest income to average assets | 1.0831% | 1,105 |
| Noninterest expense to average assets | 3.7856% | 1,367 |
| Loan and lease loss provision to assets | -1.3405% | 7,505 |
| Net operating income to assets | 2.7829% | 120 |
| Return on assets (ROA) | 2.7829% | 122 |
| Pretax return on assets | 2.7829% | 169 |
| Return on Equity (ROE) | 29.7478% | 71 |
| Retained earnings to average equity (ytd only) | 29.7478% | 41 |
| Net charge-offs to loans | -0.2654% | 7,336 |
| Credit loss provision to net charge-offs | 1,041.6667% | 322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4103% | 3,651 |
| Assets per employee ($millions) | 2.8093% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2265% | 1,866 |
| Loan loss allowance to noncurrent loans | 152.1401% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 2.8121% | 2,386 |
| Noncurrent loans to loans | 1.4635% | 4,227 |
| Net loans and leases to total assets | 43.6562% | 6,464 |
| Net loans and leases to deposits | 48.4112% | 6,704 |
| Net loans and leases to core deposits | 49.5484% | 6,778 |
| Total domestic deposits to total assets | 90.1780% | 880 |
| Equity capital to assets | 9.4330% | 4,922 |
| Core capital (leverage) ratio | 9.6014% | 3,805 |
| Tier 1 risk-based capital ratio | 17.8288% | 2,231 |
| Total risk-based capital ratio | 19.0879% | 2,175 |
| Memoranda: | ||
| Average total assets | $37,299,670 | 6,878 |
| Average earning assets | $30,953,330 | 6,968 |
| Average equity | $3,489,330 | 6,984 |
| Average total loans | $18,084,670 | 6,887 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8378% | 133 |
| Cost of funding earning assets | 1.4568% | 1,350 |
| Net interest margin | 5.3810% | 196 |
| Noninterest income to average assets | 0.7717% | 2,145 |
| Noninterest expense to average assets | 3.8804% | 1,203 |
| Loan and lease loss provision to assets | -2.7560% | 7,571 |
| Net operating income to assets | 4.1671% | 67 |
| Return on assets (ROA) | 4.1671% | 70 |
| Pretax return on assets | 4.1671% | 99 |
| Return on Equity (ROE) | 44.7470% | 38 |
| Retained earnings to average equity (ytd only) | 44.7470% | 31 |
| Net charge-offs to loans | -0.1962% | 7,254 |
| Credit loss provision to net charge-offs | 2,777.7778% | 145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3333% | 3,631 |
| Assets per employee ($millions) | 2.5175% | 6,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0841% | 2,219 |
| Loan loss allowance to noncurrent loans | 197.8947% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 2.7514% | 2,514 |
| Noncurrent loans to loans | 1.0532% | 4,950 |
| Net loans and leases to total assets | 46.7798% | 6,211 |
| Net loans and leases to deposits | 51.8552% | 6,486 |
| Net loans and leases to core deposits | 53.1214% | 6,615 |
| Total domestic deposits to total assets | 90.2124% | 1,016 |
| Equity capital to assets | 9.4487% | 4,502 |
| Core capital (leverage) ratio | 9.7438% | 3,460 |
| Tier 1 risk-based capital ratio | 17.7063% | 2,216 |
| Total risk-based capital ratio | 18.9618% | 2,186 |
| Memoranda: | ||
| Average total assets | $36,284,500 | 6,958 |
| Average earning assets | $30,477,500 | 7,034 |
| Average equity | $3,379,000 | 7,052 |
| Average total loans | $18,346,500 | 6,919 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2525% | 508 |
| Cost of funding earning assets | 1.7217% | 1,503 |
| Net interest margin | 4.5307% | 1,167 |
| Noninterest income to average assets | 1.1512% | 1,118 |
| Noninterest expense to average assets | 4.0319% | 1,115 |
| Loan and lease loss provision to assets | 1.3694% | 1,102 |
| Net operating income to assets | -0.3410% | 6,257 |
| Return on assets (ROA) | -0.3410% | 6,284 |
| Pretax return on assets | -0.3737% | 6,225 |
| Return on Equity (ROE) | -4.0624% | 6,362 |
| Retained earnings to average equity (ytd only) | -4.0624% | 6,208 |
| Net charge-offs to loans | 0.6435% | 3,087 |
| Credit loss provision to net charge-offs | 411.4754% | 590 |
| Earnings coverage of net charge-offs (x) | 2.9918% | 3,576 |
| Efficiency ratio | 80.1953% | 2,390 |
| Assets per employee ($millions) | 2.6775% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3080% | 678 |
| Loan loss allowance to noncurrent loans | 226.8382% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 3.6889% | 1,861 |
| Noncurrent loans to loans | 1.4583% | 4,299 |
| Net loans and leases to total assets | 51.8143% | 5,936 |
| Net loans and leases to deposits | 57.4034% | 6,316 |
| Net loans and leases to core deposits | 58.9206% | 6,478 |
| Total domestic deposits to total assets | 90.2635% | 947 |
| Equity capital to assets | 9.1648% | 4,890 |
| Core capital (leverage) ratio | 9.0443% | 4,466 |
| Tier 1 risk-based capital ratio | 15.6726% | 2,910 |
| Total risk-based capital ratio | 16.9451% | 2,862 |
| Memoranda: | ||
| Average total assets | $36,657,600 | 6,985 |
| Average earning assets | $31,363,600 | 7,042 |
| Average equity | $3,077,000 | 7,255 |
| Average total loans | $18,959,400 | 6,980 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1428% | 695 |
| Cost of funding earning assets | 1.7863% | 1,474 |
| Net interest margin | 4.3566% | 1,656 |
| Noninterest income to average assets | 1.3146% | 795 |
| Noninterest expense to average assets | 4.4180% | 655 |
| Loan and lease loss provision to assets | 1.8031% | 693 |
| Net operating income to assets | -1.1745% | 6,978 |
| Return on assets (ROA) | -1.1745% | 7,011 |
| Pretax return on assets | -1.1745% | 6,934 |
| Return on Equity (ROE) | -14.3006% | 7,084 |
| Retained earnings to average equity (ytd only) | -14.3006% | 7,052 |
| Net charge-offs to loans | 1.1417% | 1,787 |
| Credit loss provision to net charge-offs | 307.9755% | 1,033 |
| Earnings coverage of net charge-offs (x) | 1.0736% | 4,980 |
| Efficiency ratio | 87.5445% | 1,489 |
| Assets per employee ($millions) | 2.3378% | 7,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0439% | 789 |
| Loan loss allowance to noncurrent loans | 193.6242% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 3.6302% | 1,963 |
| Noncurrent loans to loans | 1.5721% | 4,280 |
| Net loans and leases to total assets | 52.4111% | 6,058 |
| Net loans and leases to deposits | 57.5009% | 6,509 |
| Net loans and leases to core deposits | 57.9706% | 6,727 |
| Total domestic deposits to total assets | 91.1484% | 396 |
| Equity capital to assets | 8.5208% | 6,254 |
| Core capital (leverage) ratio | 8.3845% | 5,728 |
| Tier 1 risk-based capital ratio | 15.1491% | 3,182 |
| Total risk-based capital ratio | 16.4216% | 3,144 |
| Memoranda: | ||
| Average total assets | $37,120,250 | 7,048 |
| Average earning assets | $31,797,750 | 7,110 |
| Average equity | $3,048,750 | 7,357 |
| Average total loans | $19,036,250 | 7,070 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9424% | 1,073 |
| Cost of funding earning assets | 1.8204% | 1,566 |
| Net interest margin | 4.1220% | 2,459 |
| Noninterest income to average assets | 1.2961% | 757 |
| Noninterest expense to average assets | 3.8990% | 1,186 |
| Loan and lease loss provision to assets | 2.6558% | 407 |
| Net operating income to assets | -1.7247% | 7,229 |
| Return on assets (ROA) | -1.7247% | 7,239 |
| Pretax return on assets | -1.7247% | 7,156 |
| Return on Equity (ROE) | -21.2447% | 7,295 |
| Retained earnings to average equity (ytd only) | -21.2447% | 7,280 |
| Net charge-offs to loans | 2.4865% | 692 |
| Credit loss provision to net charge-offs | 211.8143% | 1,837 |
| Earnings coverage of net charge-offs (x) | 0.7426% | 5,009 |
| Efficiency ratio | 80.7229% | 2,340 |
| Assets per employee ($millions) | 2.3825% | 7,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6495% | 1,136 |
| Loan loss allowance to noncurrent loans | 111.2832% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 3.9091% | 1,771 |
| Noncurrent loans to loans | 2.3808% | 3,276 |
| Net loans and leases to total assets | 51.7167% | 6,243 |
| Net loans and leases to deposits | 56.6654% | 6,674 |
| Net loans and leases to core deposits | 57.1173% | 6,882 |
| Total domestic deposits to total assets | 91.2668% | 394 |
| Equity capital to assets | 8.3667% | 6,334 |
| Core capital (leverage) ratio | 8.0424% | 6,217 |
| Tier 1 risk-based capital ratio | 14.7552% | 3,290 |
| Total risk-based capital ratio | 16.0186% | 3,252 |
| Memoranda: | ||
| Average total assets | $37,804,670 | 7,081 |
| Average earning assets | $32,411,330 | 7,139 |
| Average equity | $3,069,000 | 7,397 |
| Average total loans | $19,063,000 | 7,120 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6839% | 1,838 |
| Cost of funding earning assets | 1.8463% | 1,674 |
| Net interest margin | 3.8375% | 3,633 |
| Noninterest income to average assets | 1.2359% | 803 |
| Noninterest expense to average assets | 3.6253% | 1,681 |
| Loan and lease loss provision to assets | 5.1598% | 147 |
| Net operating income to assets | -4.2741% | 7,734 |
| Return on assets (ROA) | -4.2741% | 7,743 |
| Pretax return on assets | -4.2741% | 7,712 |
| Return on Equity (ROE) | -53.4020% | 7,722 |
| Retained earnings to average equity (ytd only) | -53.4020% | 7,712 |
| Net charge-offs to loans | 8.9834% | 71 |
| Credit loss provision to net charge-offs | 116.7832% | 2,983 |
| Earnings coverage of net charge-offs (x) | 0.2005% | 4,861 |
| Efficiency ratio | 80.3653% | 2,511 |
| Assets per employee ($millions) | 2.5557% | 7,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 3,262 |
| Loan loss allowance to noncurrent loans | 60.5469% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 3.7197% | 1,876 |
| Noncurrent loans to loans | 2.7214% | 2,933 |
| Net loans and leases to total assets | 48.2679% | 6,649 |
| Net loans and leases to deposits | 52.3836% | 7,015 |
| Net loans and leases to core deposits | 59.2621% | 6,802 |
| Total domestic deposits to total assets | 92.1432% | 217 |
| Equity capital to assets | 7.5673% | 7,017 |
| Core capital (leverage) ratio | 7.4257% | 6,913 |
| Tier 1 risk-based capital ratio | 14.4681% | 3,397 |
| Total risk-based capital ratio | 15.7199% | 3,365 |
| Memoranda: | ||
| Average total assets | $38,838,500 | 7,124 |
| Average earning assets | $33,146,500 | 7,197 |
| Average equity | $3,108,500 | 7,464 |
| Average total loans | $19,102,000 | 7,208 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3799% | 869 |
| Cost of funding earning assets | 2.1864% | 2,096 |
| Net interest margin | 4.1935% | 2,087 |
| Noninterest income to average assets | 1.3457% | 824 |
| Noninterest expense to average assets | 3.9465% | 1,444 |
| Loan and lease loss provision to assets | 0.2746% | 5,216 |
| Net operating income to assets | 0.5191% | 3,653 |
| Return on assets (ROA) | 0.5191% | 3,743 |
| Pretax return on assets | 0.7223% | 3,501 |
| Return on Equity (ROE) | 5.8681% | 3,267 |
| Retained earnings to average equity (ytd only) | 5.8681% | 1,401 |
| Net charge-offs to loans | 0.8797% | 2,637 |
| Credit loss provision to net charge-offs | 58.8235% | 6,655 |
| Earnings coverage of net charge-offs (x) | 2.1353% | 4,125 |
| Efficiency ratio | 79.8333% | 2,915 |
| Assets per employee ($millions) | 2.6227% | 6,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 5,192 |
| Loan loss allowance to noncurrent loans | 28.2660% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 3.7696% | 1,768 |
| Noncurrent loans to loans | 4.3424% | 1,652 |
| Net loans and leases to total assets | 48.6820% | 6,758 |
| Net loans and leases to deposits | 53.3140% | 7,093 |
| Net loans and leases to core deposits | 90.6775% | 5,055 |
| Total domestic deposits to total assets | 91.3119% | 431 |
| Equity capital to assets | 8.4289% | 6,011 |
| Core capital (leverage) ratio | 8.4454% | 5,364 |
| Tier 1 risk-based capital ratio | 16.1127% | 2,470 |
| Total risk-based capital ratio | 17.2692% | 2,446 |
| Memoranda: | ||
| Average total assets | $36,411,800 | 7,228 |
| Average earning assets | $31,238,600 | 7,300 |
| Average equity | $3,220,800 | 7,526 |
| Average total loans | $19,324,000 | 7,242 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4416% | 853 |
| Cost of funding earning assets | 2.2427% | 2,216 |
| Net interest margin | 4.1990% | 2,066 |
| Noninterest income to average assets | 1.3490% | 835 |
| Noninterest expense to average assets | 4.0994% | 1,150 |
| Loan and lease loss provision to assets | 0.3737% | 4,087 |
| Net operating income to assets | 0.3027% | 4,780 |
| Return on assets (ROA) | 0.3027% | 4,886 |
| Pretax return on assets | 0.4933% | 4,536 |
| Return on Equity (ROE) | 3.3782% | 4,630 |
| Retained earnings to average equity (ytd only) | 3.3782% | 3,416 |
| Net charge-offs to loans | 1.1256% | 1,783 |
| Credit loss provision to net charge-offs | 61.3497% | 6,150 |
| Earnings coverage of net charge-offs (x) | 1.4233% | 4,715 |
| Efficiency ratio | 82.5433% | 2,510 |
| Assets per employee ($millions) | 2.7469% | 6,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 4,731 |
| Loan loss allowance to noncurrent loans | 20.9581% | 7,042 |
| Noncurrent assets plus other real estate owned to assets | 4.7327% | 1,260 |
| Noncurrent loans to loans | 6.0292% | 974 |
| Net loans and leases to total assets | 49.7816% | 6,795 |
| Net loans and leases to deposits | 54.6222% | 7,166 |
| Net loans and leases to core deposits | 93.5771% | 5,063 |
| Total domestic deposits to total assets | 91.1379% | 370 |
| Equity capital to assets | 8.3784% | 6,411 |
| Core capital (leverage) ratio | 8.5245% | 5,445 |
| Tier 1 risk-based capital ratio | 15.3846% | 2,873 |
| Total risk-based capital ratio | 16.5545% | 2,853 |
| Memoranda: | ||
| Average total assets | $35,679,500 | 7,317 |
| Average earning assets | $30,736,750 | 7,385 |
| Average equity | $3,197,000 | 7,602 |
| Average total loans | $19,307,500 | 7,302 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3677% | 1,065 |
| Cost of funding earning assets | 2.2666% | 2,504 |
| Net interest margin | 4.1011% | 2,317 |
| Noninterest income to average assets | 1.3409% | 850 |
| Noninterest expense to average assets | 4.1837% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4661% | 4,232 |
| Return on assets (ROA) | 0.4661% | 4,344 |
| Pretax return on assets | 0.7078% | 3,970 |
| Return on Equity (ROE) | 5.0805% | 4,044 |
| Retained earnings to average equity (ytd only) | 5.0805% | 2,463 |
| Net charge-offs to loans | 0.3112% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 4.1000% | 3,217 |
| Efficiency ratio | 85.5294% | 2,279 |
| Assets per employee ($millions) | 2.2978% | 7,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 3,703 |
| Loan loss allowance to noncurrent loans | 32.5527% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 4.3575% | 1,313 |
| Noncurrent loans to loans | 4.3103% | 1,518 |
| Net loans and leases to total assets | 53.1362% | 6,556 |
| Net loans and leases to deposits | 58.5353% | 6,988 |
| Net loans and leases to core deposits | 94.4085% | 5,069 |
| Total domestic deposits to total assets | 90.7763% | 528 |
| Equity capital to assets | 8.7640% | 5,655 |
| Core capital (leverage) ratio | 8.9193% | 4,760 |
| Tier 1 risk-based capital ratio | 14.9575% | 3,039 |
| Total risk-based capital ratio | 16.2063% | 2,980 |
| Memoranda: | ||
| Average total assets | $34,754,000 | 7,416 |
| Average earning assets | $30,089,330 | 7,479 |
| Average equity | $3,188,670 | 7,667 |
| Average total loans | $19,280,330 | 7,376 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3992% | 1,065 |
| Cost of funding earning assets | 2.2933% | 2,730 |
| Net interest margin | 4.1059% | 2,249 |
| Noninterest income to average assets | 1.4341% | 683 |
| Noninterest expense to average assets | 4.2312% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7467% | 3,364 |
| Return on assets (ROA) | 0.7467% | 3,541 |
| Pretax return on assets | 0.7467% | 4,268 |
| Return on Equity (ROE) | 7.9445% | 3,172 |
| Retained earnings to average equity (ytd only) | 7.9445% | 1,833 |
| Net charge-offs to loans | -0.0631% | 7,766 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0000% | 2,194 |
| Assets per employee ($millions) | 2.7132% | 6,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 2,652 |
| Loan loss allowance to noncurrent loans | 38.8750% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 4.5135% | 1,063 |
| Noncurrent loans to loans | 4.0353% | 1,486 |
| Net loans and leases to total assets | 55.3243% | 6,327 |
| Net loans and leases to deposits | 61.0308% | 6,811 |
| Net loans and leases to core deposits | 94.2705% | 5,131 |
| Total domestic deposits to total assets | 90.6498% | 541 |
| Equity capital to assets | 9.0837% | 5,248 |
| Core capital (leverage) ratio | 9.4843% | 4,005 |
| Tier 1 risk-based capital ratio | 15.1719% | 2,987 |
| Total risk-based capital ratio | 16.4267% | 2,936 |
| Memoranda: | ||
| Average total assets | $33,749,000 | 7,502 |
| Average earning assets | $29,128,500 | 7,564 |
| Average equity | $3,172,000 | 7,730 |
| Average total loans | $19,014,000 | 7,439 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7005% | 277 |
| Cost of funding earning assets | 2.4812% | 4,307 |
| Net interest margin | 5.2193% | 327 |
| Noninterest income to average assets | 1.9209% | 369 |
| Noninterest expense to average assets | 4.6041% | 815 |
| Loan and lease loss provision to assets | 0.1287% | 5,719 |
| Net operating income to assets | 0.9043% | 2,977 |
| Return on assets (ROA) | 0.9043% | 2,824 |
| Pretax return on assets | 1.5479% | 1,542 |
| Return on Equity (ROE) | 8.7995% | 2,712 |
| Retained earnings to average equity (ytd only) | 6.3909% | 1,368 |
| Net charge-offs to loans | -0.2153% | 8,171 |
| Credit loss provision to net charge-offs | -102.6316% | 7,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3053% | 3,689 |
| Assets per employee ($millions) | 2.3019% | 7,560 |
| Cash dividends to net income (ytd only)* | 27.3723% | 4,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6920% | 1,937 |
| Loan loss allowance to noncurrent loans | 67.9912% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 3.3668% | 1,336 |
| Noncurrent loans to loans | 2.4886% | 2,194 |
| Net loans and leases to total assets | 55.5297% | 6,482 |
| Net loans and leases to deposits | 61.6431% | 6,975 |
| Net loans and leases to core deposits | 89.8569% | 5,810 |
| Total domestic deposits to total assets | 90.0825% | 619 |
| Equity capital to assets | 9.7437% | 4,373 |
| Core capital (leverage) ratio | 9.7865% | 3,668 |
| Tier 1 risk-based capital ratio | 15.9658% | 2,676 |
| Total risk-based capital ratio | 17.2217% | 2,620 |
| Memoranda: | ||
| Average total assets | $30,298,800 | 7,633 |
| Average earning assets | $25,310,000 | 7,723 |
| Average equity | $3,113,800 | 7,801 |
| Average total loans | $17,651,000 | 7,488 |