Home > Franklin Grove Bank > Performance and Condition Ratios
Franklin Grove Bank, Performance and Condition Ratios
| 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 | 2.9313% | 5,751 |
| Cost of funding earning assets | 0.5034% | 2,080 |
| Net interest margin | 2.4280% | 5,866 |
| Noninterest income to average assets | 0.1103% | 5,790 |
| Noninterest expense to average assets | 4.3416% | 439 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.9710% | 6,072 |
| Return on assets (ROA) | -1.9710% | 6,072 |
| Pretax return on assets | -1.9710% | 6,072 |
| Return on Equity (ROE) | -11.1959% | 6,036 |
| Retained earnings to average equity (ytd only) | -11.1959% | 5,843 |
| Net charge-offs to loans | -1.1093% | 6,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 183.1395% | 25 |
| Assets per employee ($millions) | 7.1348% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0796% | 716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 38.4421% | 5,535 |
| Net loans and leases to deposits | 46.7946% | 5,473 |
| Net loans and leases to core deposits | 46.7946% | 5,558 |
| Total domestic deposits to total assets | 82.1507% | 4,171 |
| Equity capital to assets | 17.6495% | 359 |
| Core capital (leverage) ratio | 17.3313% | 345 |
| Tier 1 risk-based capital ratio | 35.1648% | 330 |
| Total risk-based capital ratio | 36.4214% | 326 |
| Memoranda: | ||
| Average total assets | $29,021,500 | 5,919 |
| Average earning assets | $27,018,500 | 5,896 |
| Average equity | $5,109,000 | 5,607 |
| Average total loans | $12,620,500 | 5,907 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 4,397 |
| Cost of funding earning assets | 0.5296% | 1,928 |
| Net interest margin | 3.1595% | 4,756 |
| Noninterest income to average assets | 0.1267% | 5,778 |
| Noninterest expense to average assets | 2.0040% | 5,449 |
| Loan and lease loss provision to assets | 0.0834% | 2,625 |
| Net operating income to assets | 0.6415% | 4,074 |
| Return on assets (ROA) | 0.6069% | 4,335 |
| Pretax return on assets | 0.9303% | 3,727 |
| Return on Equity (ROE) | 3.5000% | 5,141 |
| Retained earnings to average equity (ytd only) | -1.1154% | 5,674 |
| Net charge-offs to loans | -0.3709% | 6,044 |
| Credit loss provision to net charge-offs | -44.6429% | 5,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2552% | 4,034 |
| Assets per employee ($millions) | 5.9008% | 1,461 |
| Cash dividends to net income (ytd only)* | 131.8681% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 2,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 46.9055% | 5,101 |
| Net loans and leases to deposits | 57.2214% | 4,965 |
| Net loans and leases to core deposits | 57.8408% | 5,108 |
| Total domestic deposits to total assets | 81.9719% | 4,172 |
| Equity capital to assets | 17.5603% | 353 |
| Core capital (leverage) ratio | 17.3882% | 326 |
| Tier 1 risk-based capital ratio | 30.9147% | 468 |
| Total risk-based capital ratio | 32.0962% | 466 |
| Memoranda: | ||
| Average total assets | $29,990,600 | 5,956 |
| Average earning assets | $27,947,800 | 5,936 |
| Average equity | $5,200,000 | 5,607 |
| Average total loans | $15,097,600 | 5,892 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8107% | 4,053 |
| Cost of funding earning assets | 0.5288% | 1,971 |
| Net interest margin | 3.2820% | 4,424 |
| Noninterest income to average assets | 0.1284% | 5,834 |
| Noninterest expense to average assets | 1.9925% | 5,492 |
| Loan and lease loss provision to assets | 0.1107% | 2,035 |
| Net operating income to assets | 0.7416% | 3,724 |
| Return on assets (ROA) | 0.7660% | 3,702 |
| Pretax return on assets | 1.1114% | 3,169 |
| Return on Equity (ROE) | 4.4317% | 4,856 |
| Retained earnings to average equity (ytd only) | -1.7163% | 5,826 |
| Net charge-offs to loans | -0.1302% | 5,881 |
| Credit loss provision to net charge-offs | -166.6667% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6741% | 4,463 |
| Assets per employee ($millions) | 7.3528% | 732 |
| Cash dividends to net income (ytd only)* | 138.7280% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 4,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 47.6692% | 5,106 |
| Net loans and leases to deposits | 58.1381% | 4,996 |
| Net loans and leases to core deposits | 59.8353% | 5,077 |
| Total domestic deposits to total assets | 81.9931% | 4,164 |
| Equity capital to assets | 17.5853% | 379 |
| Core capital (leverage) ratio | 17.3522% | 347 |
| Tier 1 risk-based capital ratio | 30.7181% | 488 |
| Total risk-based capital ratio | 31.6505% | 493 |
| Memoranda: | ||
| Average total assets | $30,112,250 | 6,038 |
| Average earning assets | $27,990,500 | 6,017 |
| Average equity | $5,204,750 | 5,673 |
| Average total loans | $15,362,750 | 5,961 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8173% | 3,997 |
| Cost of funding earning assets | 0.5251% | 2,030 |
| Net interest margin | 3.2922% | 4,333 |
| Noninterest income to average assets | 0.1120% | 5,982 |
| Noninterest expense to average assets | 1.9640% | 5,606 |
| Loan and lease loss provision to assets | 0.1648% | 1,277 |
| Net operating income to assets | 0.7513% | 3,637 |
| Return on assets (ROA) | 0.7513% | 3,735 |
| Pretax return on assets | 1.0413% | 3,409 |
| Return on Equity (ROE) | 4.3714% | 4,874 |
| Retained earnings to average equity (ytd only) | -0.2301% | 5,552 |
| Net charge-offs to loans | -0.1904% | 6,011 |
| Credit loss provision to net charge-offs | -166.6667% | 4,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9543% | 4,682 |
| Assets per employee ($millions) | 6.0868% | 1,290 |
| Cash dividends to net income (ytd only)* | 105.2632% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 4,419 |
| Loan loss allowance to noncurrent loans | 7,850.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 5,878 |
| Noncurrent loans to loans | 0.0138% | 5,710 |
| Net loans and leases to total assets | 47.0986% | 5,175 |
| Net loans and leases to deposits | 57.0439% | 5,057 |
| Net loans and leases to core deposits | 58.6378% | 5,152 |
| Total domestic deposits to total assets | 82.5656% | 4,101 |
| Equity capital to assets | 17.1946% | 401 |
| Core capital (leverage) ratio | 17.2025% | 348 |
| Tier 1 risk-based capital ratio | 30.2923% | 525 |
| Total risk-based capital ratio | 31.2012% | 539 |
| Memoranda: | ||
| Average total assets | $30,346,000 | 6,105 |
| Average earning assets | $28,187,670 | 6,081 |
| Average equity | $5,215,670 | 5,723 |
| Average total loans | $15,758,000 | 6,013 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 4,256 |
| Cost of funding earning assets | 0.5134% | 2,171 |
| Net interest margin | 3.2191% | 4,537 |
| Noninterest income to average assets | 0.1188% | 6,004 |
| Noninterest expense to average assets | 2.0989% | 5,385 |
| Loan and lease loss provision to assets | 0.1980% | 940 |
| Net operating income to assets | 0.7392% | 3,600 |
| Return on assets (ROA) | 0.7392% | 3,726 |
| Pretax return on assets | 0.8844% | 3,945 |
| Return on Equity (ROE) | 4.3019% | 4,844 |
| Retained earnings to average equity (ytd only) | -4.9165% | 5,930 |
| Net charge-offs to loans | -0.3660% | 6,188 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9751% | 4,162 |
| Assets per employee ($millions) | 6.0932% | 1,338 |
| Cash dividends to net income (ytd only)* | 214.2857% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 5,448 |
| Loan loss allowance to noncurrent loans | 7,350.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 5,934 |
| Noncurrent loans to loans | 0.0122% | 5,754 |
| Net loans and leases to total assets | 53.2528% | 4,523 |
| Net loans and leases to deposits | 64.3120% | 4,344 |
| Net loans and leases to core deposits | 66.1017% | 4,507 |
| Total domestic deposits to total assets | 82.8038% | 4,233 |
| Equity capital to assets | 16.9861% | 429 |
| Core capital (leverage) ratio | 16.9394% | 365 |
| Tier 1 risk-based capital ratio | 27.5691% | 675 |
| Total risk-based capital ratio | 28.3522% | 686 |
| Memoranda: | ||
| Average total assets | $30,302,000 | 6,169 |
| Average earning assets | $28,828,000 | 6,130 |
| Average equity | $5,207,000 | 5,779 |
| Average total loans | $16,391,500 | 6,041 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 3,717 |
| Cost of funding earning assets | 0.5783% | 1,970 |
| Net interest margin | 3.4264% | 4,079 |
| Noninterest income to average assets | 0.1739% | 5,815 |
| Noninterest expense to average assets | 1.9929% | 5,775 |
| Loan and lease loss provision to assets | 0.7727% | 161 |
| Net operating income to assets | 0.4121% | 5,184 |
| Return on assets (ROA) | 0.4121% | 5,242 |
| Pretax return on assets | 0.4797% | 5,302 |
| Return on Equity (ROE) | 2.4370% | 5,650 |
| Retained earnings to average equity (ytd only) | -1.9800% | 6,011 |
| Net charge-offs to loans | 2.1577% | 83 |
| Credit loss provision to net charge-offs | 73.6196% | 2,989 |
| Earnings coverage of net charge-offs (x) | 1.1933% | 4,479 |
| Efficiency ratio | 61.4087% | 5,007 |
| Assets per employee ($millions) | 6.0276% | 1,354 |
| Cash dividends to net income (ytd only)* | 181.2500% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7129% | 5,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 54.0680% | 4,573 |
| Net loans and leases to deposits | 65.7507% | 4,354 |
| Net loans and leases to core deposits | 67.6113% | 4,543 |
| Total domestic deposits to total assets | 82.2317% | 4,334 |
| Equity capital to assets | 17.3834% | 379 |
| Core capital (leverage) ratio | 17.2705% | 346 |
| Tier 1 risk-based capital ratio | 27.9354% | 620 |
| Total risk-based capital ratio | 28.5592% | 638 |
| Memoranda: | ||
| Average total assets | $31,059,600 | 6,232 |
| Average earning assets | $27,842,400 | 6,225 |
| Average equity | $5,252,400 | 5,803 |
| Average total loans | $15,109,000 | 6,160 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,578 |
| Cost of funding earning assets | 0.5945% | 1,889 |
| Net interest margin | 3.4508% | 4,018 |
| Noninterest income to average assets | 0.1747% | 5,872 |
| Noninterest expense to average assets | 1.9345% | 5,892 |
| Loan and lease loss provision to assets | 0.9587% | 121 |
| Net operating income to assets | 0.2770% | 5,663 |
| Return on assets (ROA) | 0.2770% | 5,723 |
| Pretax return on assets | 0.3238% | 5,729 |
| Return on Equity (ROE) | 1.6489% | 5,912 |
| Retained earnings to average equity (ytd only) | -4.2365% | 6,221 |
| Net charge-offs to loans | 2.9402% | 39 |
| Credit loss provision to net charge-offs | 69.0184% | 2,783 |
| Earnings coverage of net charge-offs (x) | 0.9233% | 4,277 |
| Efficiency ratio | 60.1325% | 5,161 |
| Assets per employee ($millions) | 6.1340% | 1,240 |
| Cash dividends to net income (ytd only)* | 356.9467% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7366% | 6,022 |
| Loan loss allowance to noncurrent loans | 188.8889% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 5,497 |
| Noncurrent loans to loans | 0.3900% | 4,746 |
| Net loans and leases to total assets | 44.8158% | 5,470 |
| Net loans and leases to deposits | 54.1184% | 5,379 |
| Net loans and leases to core deposits | 55.6117% | 5,470 |
| Total domestic deposits to total assets | 82.8106% | 4,204 |
| Equity capital to assets | 16.8764% | 441 |
| Core capital (leverage) ratio | 16.7497% | 397 |
| Tier 1 risk-based capital ratio | 30.9477% | 486 |
| Total risk-based capital ratio | 31.5575% | 504 |
| Memoranda: | ||
| Average total assets | $31,290,000 | 6,304 |
| Average earning assets | $27,587,500 | 6,303 |
| Average equity | $5,255,750 | 5,858 |
| Average total loans | $14,783,250 | 6,234 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 3,555 |
| Cost of funding earning assets | 0.5926% | 1,959 |
| Net interest margin | 3.4555% | 3,962 |
| Noninterest income to average assets | 0.1587% | 6,001 |
| Noninterest expense to average assets | 1.9367% | 5,933 |
| Loan and lease loss provision to assets | 1.3970% | 65 |
| Net operating income to assets | -0.1016% | 6,258 |
| Return on assets (ROA) | -0.1016% | 6,271 |
| Pretax return on assets | -0.1016% | 6,257 |
| Return on Equity (ROE) | -0.6058% | 6,252 |
| Retained earnings to average equity (ytd only) | -4.8463% | 6,230 |
| Net charge-offs to loans | 4.3192% | 20 |
| Credit loss provision to net charge-offs | 67.4847% | 2,514 |
| Earnings coverage of net charge-offs (x) | 0.6258% | 4,012 |
| Efficiency ratio | 59.9214% | 5,307 |
| Assets per employee ($millions) | 6.2546% | 1,137 |
| Cash dividends to net income (ytd only)* | -700.0000% | 6,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6678% | 6,220 |
| Loan loss allowance to noncurrent loans | 57.7381% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 4,384 |
| Noncurrent loans to loans | 1.1566% | 2,914 |
| Net loans and leases to total assets | 46.1356% | 5,350 |
| Net loans and leases to deposits | 55.5158% | 5,238 |
| Net loans and leases to core deposits | 57.0683% | 5,336 |
| Total domestic deposits to total assets | 83.1036% | 4,266 |
| Equity capital to assets | 16.6757% | 456 |
| Core capital (leverage) ratio | 16.5661% | 407 |
| Tier 1 risk-based capital ratio | 30.0819% | 516 |
| Total risk-based capital ratio | 30.6414% | 540 |
| Memoranda: | ||
| Average total assets | $31,496,670 | 6,359 |
| Average earning assets | $28,013,670 | 6,353 |
| Average equity | $5,282,330 | 5,893 |
| Average total loans | $15,095,330 | 6,285 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0244% | 3,593 |
| Cost of funding earning assets | 0.5889% | 2,077 |
| Net interest margin | 3.4355% | 3,957 |
| Noninterest income to average assets | 0.1519% | 6,063 |
| Noninterest expense to average assets | 1.9362% | 5,996 |
| Loan and lease loss provision to assets | 0.1898% | 1,251 |
| Net operating income to assets | 0.7340% | 3,523 |
| Return on assets (ROA) | 0.7340% | 3,603 |
| Pretax return on assets | 1.1263% | 2,785 |
| Return on Equity (ROE) | 4.3642% | 4,858 |
| Retained earnings to average equity (ytd only) | -4.0632% | 6,066 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5331% | 5,464 |
| Assets per employee ($millions) | 6.3228% | 1,103 |
| Cash dividends to net income (ytd only)* | 193.1034% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 3,014 |
| Loan loss allowance to noncurrent loans | 1,816.6667% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 6,180 |
| Noncurrent loans to loans | 0.0842% | 5,883 |
| Net loans and leases to total assets | 44.3759% | 5,474 |
| Net loans and leases to deposits | 53.4072% | 5,338 |
| Net loans and leases to core deposits | 54.8822% | 5,445 |
| Total domestic deposits to total assets | 83.0898% | 4,581 |
| Equity capital to assets | 16.7299% | 426 |
| Core capital (leverage) ratio | 16.6436% | 403 |
| Tier 1 risk-based capital ratio | 31.0296% | 485 |
| Total risk-based capital ratio | 32.2851% | 480 |
| Memoranda: | ||
| Average total assets | $31,608,500 | 6,423 |
| Average earning assets | $28,526,000 | 6,407 |
| Average equity | $5,316,000 | 5,923 |
| Average total loans | $15,380,500 | 6,336 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 2,576 |
| Cost of funding earning assets | 0.7041% | 1,784 |
| Net interest margin | 3.6990% | 3,058 |
| Noninterest income to average assets | 0.1824% | 5,996 |
| Noninterest expense to average assets | 1.8430% | 6,264 |
| Loan and lease loss provision to assets | 0.1573% | 2,315 |
| Net operating income to assets | 0.9309% | 2,644 |
| Return on assets (ROA) | 0.9309% | 2,721 |
| Pretax return on assets | 1.3713% | 1,897 |
| Return on Equity (ROE) | 5.6131% | 4,318 |
| Retained earnings to average equity (ytd only) | 1.3653% | 5,213 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6642% | 6,079 |
| Assets per employee ($millions) | 6.3206% | 1,076 |
| Cash dividends to net income (ytd only)* | 75.6757% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 4,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 51.6122% | 4,906 |
| Net loans and leases to deposits | 62.3628% | 4,686 |
| Net loans and leases to core deposits | 64.0904% | 4,860 |
| Total domestic deposits to total assets | 82.7611% | 4,625 |
| Equity capital to assets | 16.9066% | 401 |
| Core capital (leverage) ratio | 16.7971% | 394 |
| Tier 1 risk-based capital ratio | 28.3043% | 592 |
| Total risk-based capital ratio | 29.3797% | 587 |
| Memoranda: | ||
| Average total assets | $31,795,600 | 6,487 |
| Average earning assets | $27,412,600 | 6,499 |
| Average equity | $5,273,400 | 6,001 |
| Average total loans | $15,317,600 | 6,401 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4792% | 2,313 |
| Cost of funding earning assets | 0.7350% | 1,706 |
| Net interest margin | 3.7443% | 2,867 |
| Noninterest income to average assets | 0.1884% | 6,061 |
| Noninterest expense to average assets | 1.8842% | 6,210 |
| Loan and lease loss provision to assets | 0.0838% | 3,385 |
| Net operating income to assets | 0.9002% | 2,834 |
| Return on assets (ROA) | 0.9002% | 2,948 |
| Pretax return on assets | 1.3775% | 2,007 |
| Return on Equity (ROE) | 5.4540% | 4,491 |
| Retained earnings to average equity (ytd only) | -0.2283% | 5,985 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3204% | 5,865 |
| Assets per employee ($millions) | 6.2580% | 1,069 |
| Cash dividends to net income (ytd only)* | 104.1861% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 4,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 45.2573% | 5,609 |
| Net loans and leases to deposits | 54.6314% | 5,483 |
| Net loans and leases to core deposits | 56.1588% | 5,611 |
| Total domestic deposits to total assets | 82.8412% | 4,636 |
| Equity capital to assets | 16.7977% | 436 |
| Core capital (leverage) ratio | 16.6051% | 421 |
| Tier 1 risk-based capital ratio | 30.8922% | 479 |
| Total risk-based capital ratio | 31.9090% | 486 |
| Memoranda: | ||
| Average total assets | $31,843,750 | 6,560 |
| Average earning assets | $26,849,250 | 6,582 |
| Average equity | $5,256,000 | 6,072 |
| Average total loans | $15,018,500 | 6,478 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3915% | 2,597 |
| Cost of funding earning assets | 0.7344% | 1,810 |
| Net interest margin | 3.6571% | 3,149 |
| Noninterest income to average assets | 0.1873% | 6,088 |
| Noninterest expense to average assets | 2.0295% | 5,988 |
| Loan and lease loss provision to assets | 0.0624% | 3,762 |
| Net operating income to assets | 0.8243% | 3,172 |
| Return on assets (ROA) | 0.8243% | 3,330 |
| Pretax return on assets | 1.1740% | 2,791 |
| Return on Equity (ROE) | 5.0228% | 4,721 |
| Retained earnings to average equity (ytd only) | 0.7610% | 5,597 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1415% | 5,157 |
| Assets per employee ($millions) | 5.4053% | 1,688 |
| Cash dividends to net income (ytd only)* | 84.8485% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 5,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 45.9700% | 5,534 |
| Net loans and leases to deposits | 55.0961% | 5,431 |
| Net loans and leases to core deposits | 56.5678% | 5,558 |
| Total domestic deposits to total assets | 83.4361% | 4,529 |
| Equity capital to assets | 16.2956% | 489 |
| Core capital (leverage) ratio | 16.2136% | 441 |
| Tier 1 risk-based capital ratio | 29.6677% | 540 |
| Total risk-based capital ratio | 30.5827% | 547 |
| Memoranda: | ||
| Average total assets | $32,028,330 | 6,603 |
| Average earning assets | $26,961,330 | 6,632 |
| Average equity | $5,256,000 | 6,110 |
| Average total loans | $15,246,670 | 6,513 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 2,582 |
| Cost of funding earning assets | 0.7407% | 1,920 |
| Net interest margin | 3.6428% | 3,099 |
| Noninterest income to average assets | 0.1760% | 6,208 |
| Noninterest expense to average assets | 2.1114% | 5,890 |
| Loan and lease loss provision to assets | 0.1005% | 2,998 |
| Net operating income to assets | 0.8169% | 3,067 |
| Return on assets (ROA) | 0.8169% | 3,208 |
| Pretax return on assets | 0.9929% | 3,385 |
| Return on Equity (ROE) | 4.9604% | 4,593 |
| Retained earnings to average equity (ytd only) | -3.5868% | 6,242 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8824% | 4,683 |
| Assets per employee ($millions) | 5.4542% | 1,704 |
| Cash dividends to net income (ytd only)* | 172.3077% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 5,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 43.7158% | 5,694 |
| Net loans and leases to deposits | 52.1356% | 5,603 |
| Net loans and leases to core deposits | 53.5064% | 5,710 |
| Total domestic deposits to total assets | 83.8503% | 4,537 |
| Equity capital to assets | 15.9450% | 568 |
| Core capital (leverage) ratio | 15.9973% | 461 |
| Tier 1 risk-based capital ratio | 30.1114% | 523 |
| Total risk-based capital ratio | 31.0405% | 533 |
| Memoranda: | ||
| Average total assets | $31,826,500 | 6,673 |
| Average earning assets | $26,463,000 | 6,711 |
| Average equity | $5,241,500 | 6,176 |
| Average total loans | $15,334,000 | 6,563 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 1,221 |
| Cost of funding earning assets | 0.9606% | 1,581 |
| Net interest margin | 4.1848% | 1,699 |
| Noninterest income to average assets | 0.2020% | 5,969 |
| Noninterest expense to average assets | 2.2156% | 5,894 |
| Loan and lease loss provision to assets | 0.0962% | 4,449 |
| Net operating income to assets | 0.8401% | 3,095 |
| Return on assets (ROA) | 0.8401% | 3,349 |
| Pretax return on assets | 1.2986% | 2,404 |
| Return on Equity (ROE) | 5.0155% | 4,670 |
| Retained earnings to average equity (ytd only) | 0.7274% | 5,506 |
| Net charge-offs to loans | 0.2881% | 3,219 |
| Credit loss provision to net charge-offs | 63.8298% | 4,346 |
| Earnings coverage of net charge-offs (x) | 9.2553% | 2,281 |
| Efficiency ratio | 61.3677% | 5,335 |
| Assets per employee ($millions) | 5.1547% | 2,041 |
| Cash dividends to net income (ytd only)* | 85.4962% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 6,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 51.8883% | 4,944 |
| Net loans and leases to deposits | 62.8988% | 4,670 |
| Net loans and leases to core deposits | 64.6810% | 4,880 |
| Total domestic deposits to total assets | 82.4948% | 4,929 |
| Equity capital to assets | 17.0234% | 411 |
| Core capital (leverage) ratio | 16.7777% | 376 |
| Tier 1 risk-based capital ratio | 28.9302% | 563 |
| Total risk-based capital ratio | 29.7709% | 578 |
| Memoranda: | ||
| Average total assets | $31,188,000 | 6,727 |
| Average earning assets | $25,401,200 | 6,772 |
| Average equity | $5,223,800 | 6,233 |
| Average total loans | $16,315,600 | 6,583 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1159% | 1,396 |
| Cost of funding earning assets | 0.9832% | 1,660 |
| Net interest margin | 4.1327% | 1,963 |
| Noninterest income to average assets | 0.2005% | 6,093 |
| Noninterest expense to average assets | 2.1715% | 6,011 |
| Loan and lease loss provision to assets | 0.0938% | 4,416 |
| Net operating income to assets | 0.8362% | 3,281 |
| Return on assets (ROA) | 0.8362% | 3,526 |
| Pretax return on assets | 1.2884% | 2,646 |
| Return on Equity (ROE) | 5.0126% | 4,811 |
| Retained earnings to average equity (ytd only) | -0.7160% | 6,220 |
| Net charge-offs to loans | 0.3834% | 2,561 |
| Credit loss provision to net charge-offs | 46.8085% | 4,475 |
| Earnings coverage of net charge-offs (x) | 6.8931% | 2,694 |
| Efficiency ratio | 61.1044% | 5,299 |
| Assets per employee ($millions) | 5.1283% | 2,012 |
| Cash dividends to net income (ytd only)* | 114.2846% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 6,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 52.2229% | 5,014 |
| Net loans and leases to deposits | 63.1370% | 4,823 |
| Net loans and leases to core deposits | 64.9279% | 5,059 |
| Total domestic deposits to total assets | 82.7137% | 4,750 |
| Equity capital to assets | 16.8963% | 477 |
| Core capital (leverage) ratio | 16.8695% | 380 |
| Tier 1 risk-based capital ratio | 29.0935% | 575 |
| Total risk-based capital ratio | 29.9049% | 596 |
| Memoranda: | ||
| Average total assets | $31,253,000 | 6,812 |
| Average earning assets | $25,358,250 | 6,861 |
| Average equity | $5,213,500 | 6,304 |
| Average total loans | $16,344,250 | 6,666 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1244% | 1,441 |
| Cost of funding earning assets | 1.0233% | 1,624 |
| Net interest margin | 4.1011% | 2,092 |
| Noninterest income to average assets | 0.1910% | 6,190 |
| Noninterest expense to average assets | 2.1837% | 6,054 |
| Loan and lease loss provision to assets | 0.0955% | 4,350 |
| Net operating income to assets | 0.8277% | 3,259 |
| Return on assets (ROA) | 0.8277% | 3,524 |
| Pretax return on assets | 1.2033% | 2,912 |
| Return on Equity (ROE) | 4.9824% | 4,814 |
| Retained earnings to average equity (ytd only) | 0.6899% | 5,781 |
| Net charge-offs to loans | 0.5736% | 1,882 |
| Credit loss provision to net charge-offs | 31.9149% | 4,408 |
| Earnings coverage of net charge-offs (x) | 4.3404% | 3,117 |
| Efficiency ratio | 62.7057% | 5,131 |
| Assets per employee ($millions) | 5.2083% | 1,919 |
| Cash dividends to net income (ytd only)* | 86.1538% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8548% | 6,560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 51.2224% | 5,191 |
| Net loans and leases to deposits | 61.7721% | 5,027 |
| Net loans and leases to core deposits | 63.6183% | 5,245 |
| Total domestic deposits to total assets | 82.9216% | 4,783 |
| Equity capital to assets | 16.7840% | 470 |
| Core capital (leverage) ratio | 16.5766% | 402 |
| Tier 1 risk-based capital ratio | 29.4928% | 543 |
| Total risk-based capital ratio | 30.2688% | 556 |
| Memoranda: | ||
| Average total assets | $31,414,000 | 6,857 |
| Average earning assets | $25,212,670 | 6,921 |
| Average equity | $5,218,330 | 6,328 |
| Average total loans | $16,387,670 | 6,715 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0743% | 1,654 |
| Cost of funding earning assets | 1.0307% | 1,806 |
| Net interest margin | 4.0436% | 2,318 |
| Noninterest income to average assets | 0.1651% | 6,397 |
| Noninterest expense to average assets | 2.2098% | 6,019 |
| Loan and lease loss provision to assets | 0.1016% | 4,066 |
| Net operating income to assets | 0.8636% | 3,084 |
| Return on assets (ROA) | 0.8636% | 3,317 |
| Pretax return on assets | 1.0922% | 3,354 |
| Return on Equity (ROE) | 5.2257% | 4,680 |
| Retained earnings to average equity (ytd only) | -3.3814% | 6,436 |
| Net charge-offs to loans | 1.6234% | 607 |
| Credit loss provision to net charge-offs | 11.9403% | 3,875 |
| Earnings coverage of net charge-offs (x) | 1.4030% | 3,625 |
| Efficiency ratio | 64.9254% | 4,756 |
| Assets per employee ($millions) | 5.3478% | 1,839 |
| Cash dividends to net income (ytd only)* | 164.7059% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 6,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 47.3650% | 5,634 |
| Net loans and leases to deposits | 56.6413% | 5,535 |
| Net loans and leases to core deposits | 58.2723% | 5,688 |
| Total domestic deposits to total assets | 83.6227% | 4,666 |
| Equity capital to assets | 16.1530% | 549 |
| Core capital (leverage) ratio | 16.4880% | 414 |
| Tier 1 risk-based capital ratio | 29.9249% | 526 |
| Total risk-based capital ratio | 30.5658% | 549 |
| Memoranda: | ||
| Average total assets | $31,496,000 | 6,913 |
| Average earning assets | $25,225,000 | 6,975 |
| Average equity | $5,205,000 | 6,363 |
| Average total loans | $16,509,000 | 6,770 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 1,327 |
| Cost of funding earning assets | 1.1808% | 2,158 |
| Net interest margin | 4.2585% | 1,844 |
| Noninterest income to average assets | 0.1830% | 6,186 |
| Noninterest expense to average assets | 2.1204% | 6,450 |
| Loan and lease loss provision to assets | 0.0980% | 5,366 |
| Net operating income to assets | 1.0880% | 1,874 |
| Return on assets (ROA) | 1.0880% | 1,998 |
| Pretax return on assets | 1.6172% | 1,166 |
| Return on Equity (ROE) | 6.4658% | 3,665 |
| Retained earnings to average equity (ytd only) | 2.1941% | 4,648 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2811% | 6,390 |
| Assets per employee ($millions) | 5.1508% | 1,999 |
| Cash dividends to net income (ytd only)* | 66.0661% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 6,362 |
| Loan loss allowance to noncurrent loans | 253.7313% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 6,419 |
| Noncurrent loans to loans | 0.3783% | 5,958 |
| Net loans and leases to total assets | 56.7513% | 4,582 |
| Net loans and leases to deposits | 68.7211% | 4,324 |
| Net loans and leases to core deposits | 70.0943% | 4,766 |
| Total domestic deposits to total assets | 82.5821% | 4,933 |
| Equity capital to assets | 16.9131% | 455 |
| Core capital (leverage) ratio | 16.7296% | 387 |
| Tier 1 risk-based capital ratio | 27.4470% | 666 |
| Total risk-based capital ratio | 28.3396% | 675 |
| Memoranda: | ||
| Average total assets | $30,607,600 | 6,953 |
| Average earning assets | $26,253,400 | 6,978 |
| Average equity | $5,150,200 | 6,397 |
| Average total loans | $17,140,200 | 6,797 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4760% | 1,311 |
| Cost of funding earning assets | 1.2175% | 2,208 |
| Net interest margin | 4.2586% | 1,879 |
| Noninterest income to average assets | 0.2009% | 6,164 |
| Noninterest expense to average assets | 2.0742% | 6,542 |
| Loan and lease loss provision to assets | 0.1004% | 5,197 |
| Net operating income to assets | 1.1223% | 1,899 |
| Return on assets (ROA) | 1.1223% | 2,028 |
| Pretax return on assets | 1.6768% | 1,190 |
| Return on Equity (ROE) | 6.6782% | 3,671 |
| Retained earnings to average equity (ytd only) | 0.9614% | 5,618 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8549% | 6,503 |
| Assets per employee ($millions) | 5.0352% | 2,145 |
| Cash dividends to net income (ytd only)* | 85.6038% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 6,496 |
| Loan loss allowance to noncurrent loans | 243.2836% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 6,505 |
| Noncurrent loans to loans | 0.3848% | 6,088 |
| Net loans and leases to total assets | 57.0951% | 4,667 |
| Net loans and leases to deposits | 69.1703% | 4,429 |
| Net loans and leases to core deposits | 70.7390% | 4,860 |
| Total domestic deposits to total assets | 82.5428% | 4,858 |
| Equity capital to assets | 17.0501% | 477 |
| Core capital (leverage) ratio | 16.9446% | 406 |
| Tier 1 risk-based capital ratio | 27.6638% | 687 |
| Total risk-based capital ratio | 28.5392% | 697 |
| Memoranda: | ||
| Average total assets | $30,533,250 | 7,024 |
| Average earning assets | $26,174,000 | 7,052 |
| Average equity | $5,131,000 | 6,457 |
| Average total loans | $16,998,000 | 6,871 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4871% | 1,326 |
| Cost of funding earning assets | 1.2467% | 2,270 |
| Net interest margin | 4.2404% | 1,874 |
| Noninterest income to average assets | 0.1893% | 6,312 |
| Noninterest expense to average assets | 2.1148% | 6,564 |
| Loan and lease loss provision to assets | 0.0979% | 5,095 |
| Net operating income to assets | 1.0835% | 1,919 |
| Return on assets (ROA) | 1.0835% | 2,015 |
| Pretax return on assets | 1.5731% | 1,313 |
| Return on Equity (ROE) | 6.4789% | 3,715 |
| Retained earnings to average equity (ytd only) | 2.2637% | 4,850 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8621% | 6,437 |
| Assets per employee ($millions) | 5.0162% | 2,100 |
| Cash dividends to net income (ytd only)* | 65.0602% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 6,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 54.0486% | 5,291 |
| Net loans and leases to deposits | 65.5135% | 5,069 |
| Net loans and leases to core deposits | 67.0058% | 5,389 |
| Total domestic deposits to total assets | 82.4999% | 4,988 |
| Equity capital to assets | 17.1844% | 469 |
| Core capital (leverage) ratio | 16.9975% | 402 |
| Tier 1 risk-based capital ratio | 29.4399% | 565 |
| Total risk-based capital ratio | 30.3222% | 580 |
| Memoranda: | ||
| Average total assets | $30,640,670 | 7,088 |
| Average earning assets | $25,988,330 | 7,125 |
| Average equity | $5,124,330 | 6,495 |
| Average total loans | $16,860,000 | 6,947 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5157% | 1,255 |
| Cost of funding earning assets | 1.2598% | 2,432 |
| Net interest margin | 4.2558% | 1,717 |
| Noninterest income to average assets | 0.1553% | 6,607 |
| Noninterest expense to average assets | 2.1998% | 6,422 |
| Loan and lease loss provision to assets | 0.1035% | 4,716 |
| Net operating income to assets | 1.0481% | 2,006 |
| Return on assets (ROA) | 1.0481% | 2,060 |
| Pretax return on assets | 1.4363% | 1,631 |
| Return on Equity (ROE) | 6.3523% | 3,699 |
| Retained earnings to average equity (ytd only) | -2.1174% | 6,163 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8235% | 6,151 |
| Assets per employee ($millions) | 5.1322% | 1,986 |
| Cash dividends to net income (ytd only)* | 133.3333% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 6,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 53.6193% | 5,361 |
| Net loans and leases to deposits | 64.4810% | 5,192 |
| Net loans and leases to core deposits | 65.9043% | 5,521 |
| Total domestic deposits to total assets | 83.1553% | 4,871 |
| Equity capital to assets | 16.5200% | 497 |
| Core capital (leverage) ratio | 16.3349% | 450 |
| Tier 1 risk-based capital ratio | 28.4667% | 608 |
| Total risk-based capital ratio | 29.2949% | 618 |
| Memoranda: | ||
| Average total assets | $30,912,500 | 7,129 |
| Average earning assets | $26,035,000 | 7,173 |
| Average equity | $5,100,500 | 6,520 |
| Average total loans | $17,079,000 | 6,995 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8223% | 1,220 |
| Cost of funding earning assets | 1.4884% | 2,714 |
| Net interest margin | 4.3339% | 1,701 |
| Noninterest income to average assets | 0.1787% | 6,472 |
| Noninterest expense to average assets | 2.1897% | 6,648 |
| Loan and lease loss provision to assets | 0.0516% | 6,640 |
| Net operating income to assets | 1.1997% | 1,413 |
| Return on assets (ROA) | 1.1997% | 1,493 |
| Pretax return on assets | 1.7909% | 776 |
| Return on Equity (ROE) | 6.9469% | 3,148 |
| Retained earnings to average equity (ytd only) | 2.8066% | 3,884 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3052% | 6,775 |
| Assets per employee ($millions) | 5.1720% | 1,907 |
| Cash dividends to net income (ytd only)* | 59.5989% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 6,968 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 55.9390% | 5,354 |
| Net loans and leases to deposits | 67.4739% | 5,171 |
| Net loans and leases to core deposits | 68.9478% | 5,563 |
| Total domestic deposits to total assets | 82.9047% | 4,834 |
| Equity capital to assets | 16.4798% | 518 |
| Core capital (leverage) ratio | 17.0200% | 398 |
| Tier 1 risk-based capital ratio | 27.7046% | 636 |
| Total risk-based capital ratio | 28.4631% | 651 |
| Memoranda: | ||
| Average total assets | $29,091,200 | 7,238 |
| Average earning assets | $25,866,000 | 7,234 |
| Average equity | $5,023,800 | 6,659 |
| Average total loans | $16,521,600 | 7,093 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8929% | 1,153 |
| Cost of funding earning assets | 1.5420% | 2,716 |
| Net interest margin | 4.3509% | 1,676 |
| Noninterest income to average assets | 0.2051% | 6,432 |
| Noninterest expense to average assets | 2.1627% | 6,707 |
| Loan and lease loss provision to assets | 0.0373% | 6,708 |
| Net operating income to assets | 1.2818% | 1,372 |
| Return on assets (ROA) | 1.2818% | 1,456 |
| Pretax return on assets | 1.9110% | 751 |
| Return on Equity (ROE) | 7.3314% | 3,190 |
| Retained earnings to average equity (ytd only) | 1.7862% | 5,076 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6077% | 6,926 |
| Assets per employee ($millions) | 4.8082% | 2,442 |
| Cash dividends to net income (ytd only)* | 75.6368% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 7,077 |
| Loan loss allowance to noncurrent loans | 13,300.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 7,371 |
| Noncurrent loans to loans | 0.0057% | 7,260 |
| Net loans and leases to total assets | 60.0437% | 4,903 |
| Net loans and leases to deposits | 73.2462% | 4,644 |
| Net loans and leases to core deposits | 75.6452% | 5,102 |
| Total domestic deposits to total assets | 81.9751% | 5,006 |
| Equity capital to assets | 17.4703% | 470 |
| Core capital (leverage) ratio | 17.6985% | 372 |
| Tier 1 risk-based capital ratio | 27.9705% | 631 |
| Total risk-based capital ratio | 28.7086% | 657 |
| Memoranda: | ||
| Average total assets | $28,606,000 | 7,344 |
| Average earning assets | $25,680,250 | 7,330 |
| Average equity | $5,001,250 | 6,750 |
| Average total loans | $16,277,250 | 7,200 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8054% | 1,411 |
| Cost of funding earning assets | 1.5969% | 2,676 |
| Net interest margin | 4.2085% | 2,133 |
| Noninterest income to average assets | 0.1823% | 6,607 |
| Noninterest expense to average assets | 2.2016% | 6,648 |
| Loan and lease loss provision to assets | 0.0210% | 6,720 |
| Net operating income to assets | 1.1849% | 1,596 |
| Return on assets (ROA) | 1.1849% | 1,669 |
| Pretax return on assets | 1.7108% | 1,040 |
| Return on Equity (ROE) | 6.7758% | 3,405 |
| Retained earnings to average equity (ytd only) | 2.6061% | 4,481 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9715% | 6,641 |
| Assets per employee ($millions) | 4.7232% | 2,546 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7559% | 7,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 59.3034% | 5,195 |
| Net loans and leases to deposits | 72.4740% | 4,915 |
| Net loans and leases to core deposits | 74.8964% | 5,336 |
| Total domestic deposits to total assets | 81.8272% | 5,056 |
| Equity capital to assets | 17.7776% | 440 |
| Core capital (leverage) ratio | 17.6809% | 378 |
| Tier 1 risk-based capital ratio | 28.9009% | 573 |
| Total risk-based capital ratio | 29.6352% | 589 |
| Memoranda: | ||
| Average total assets | $28,525,000 | 7,401 |
| Average earning assets | $25,424,670 | 7,387 |
| Average equity | $4,988,330 | 6,783 |
| Average total loans | $15,884,670 | 7,265 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7700% | 1,557 |
| Cost of funding earning assets | 1.6169% | 2,857 |
| Net interest margin | 4.1531% | 2,212 |
| Noninterest income to average assets | 0.1817% | 6,657 |
| Noninterest expense to average assets | 2.2783% | 6,451 |
| Loan and lease loss provision to assets | 0.0280% | 6,399 |
| Net operating income to assets | 1.1881% | 1,571 |
| Return on assets (ROA) | 1.1881% | 1,647 |
| Pretax return on assets | 1.5375% | 1,428 |
| Return on Equity (ROE) | 6.8500% | 3,418 |
| Retained earnings to average equity (ytd only) | -1.5312% | 6,130 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2727% | 6,293 |
| Assets per employee ($millions) | 4.8085% | 2,499 |
| Cash dividends to net income (ytd only)* | 122.3529% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 7,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 52.9340% | 6,156 |
| Net loans and leases to deposits | 64.2085% | 6,034 |
| Net loans and leases to core deposits | 66.2991% | 6,261 |
| Total domestic deposits to total assets | 82.4408% | 4,875 |
| Equity capital to assets | 17.1710% | 512 |
| Core capital (leverage) ratio | 17.4923% | 404 |
| Tier 1 risk-based capital ratio | 30.4132% | 506 |
| Total risk-based capital ratio | 31.1928% | 512 |
| Memoranda: | ||
| Average total assets | $28,618,000 | 7,491 |
| Average earning assets | $25,234,000 | 7,486 |
| Average equity | $4,963,500 | 6,854 |
| Average total loans | $15,360,000 | 7,386 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8564% | 2,414 |
| Cost of funding earning assets | 1.8881% | 3,526 |
| Net interest margin | 3.9682% | 2,989 |
| Noninterest income to average assets | 0.2349% | 6,425 |
| Noninterest expense to average assets | 2.2732% | 6,817 |
| Loan and lease loss provision to assets | 0.0217% | 7,287 |
| Net operating income to assets | 1.0914% | 1,534 |
| Return on assets (ROA) | 0.9722% | 1,988 |
| Pretax return on assets | 1.4817% | 1,228 |
| Return on Equity (ROE) | 5.4535% | 3,453 |
| Retained earnings to average equity (ytd only) | 1.2367% | 4,176 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3488% | 6,716 |
| Assets per employee ($millions) | 4.7308% | 2,571 |
| Cash dividends to net income (ytd only)* | 77.3234% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 7,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 53.5353% | 6,245 |
| Net loans and leases to deposits | 65.4210% | 6,120 |
| Net loans and leases to core deposits | 84.1091% | 5,702 |
| Total domestic deposits to total assets | 81.8320% | 5,021 |
| Equity capital to assets | 17.5198% | 500 |
| Core capital (leverage) ratio | 17.8384% | 419 |
| Tier 1 risk-based capital ratio | 30.8844% | 481 |
| Total risk-based capital ratio | 31.6607% | 487 |
| Memoranda: | ||
| Average total assets | $27,670,400 | 7,564 |
| Average earning assets | $25,527,800 | 7,522 |
| Average equity | $4,932,600 | 6,966 |
| Average total loans | $15,309,200 | 7,434 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8516% | 2,660 |
| Cost of funding earning assets | 1.9210% | 3,771 |
| Net interest margin | 3.9305% | 3,120 |
| Noninterest income to average assets | 0.2473% | 6,467 |
| Noninterest expense to average assets | 2.2115% | 6,943 |
| Loan and lease loss provision to assets | 0.0243% | 7,111 |
| Net operating income to assets | 1.1300% | 1,638 |
| Return on assets (ROA) | 1.1300% | 1,711 |
| Pretax return on assets | 1.6732% | 1,022 |
| Return on Equity (ROE) | 6.3110% | 3,391 |
| Retained earnings to average equity (ytd only) | 0.6771% | 4,909 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5757% | 6,924 |
| Assets per employee ($millions) | 4.5493% | 2,782 |
| Cash dividends to net income (ytd only)* | 89.2712% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7976% | 7,128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 56.4991% | 6,090 |
| Net loans and leases to deposits | 69.5468% | 5,971 |
| Net loans and leases to core deposits | 89.0621% | 5,522 |
| Total domestic deposits to total assets | 81.2390% | 4,980 |
| Equity capital to assets | 18.0832% | 508 |
| Core capital (leverage) ratio | 17.7496% | 471 |
| Tier 1 risk-based capital ratio | 30.6984% | 531 |
| Total risk-based capital ratio | 31.4696% | 539 |
| Memoranda: | ||
| Average total assets | $27,491,750 | 7,639 |
| Average earning assets | $25,610,750 | 7,586 |
| Average equity | $4,922,500 | 7,030 |
| Average total loans | $15,306,250 | 7,502 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8092% | 3,004 |
| Cost of funding earning assets | 1.9706% | 3,912 |
| Net interest margin | 3.8387% | 3,375 |
| Noninterest income to average assets | 0.2322% | 6,620 |
| Noninterest expense to average assets | 2.2209% | 7,004 |
| Loan and lease loss provision to assets | 0.0218% | 7,012 |
| Net operating income to assets | 1.0814% | 1,834 |
| Return on assets (ROA) | 1.0814% | 1,909 |
| Pretax return on assets | 1.5241% | 1,379 |
| Return on Equity (ROE) | 6.0594% | 3,621 |
| Retained earnings to average equity (ytd only) | 1.8300% | 4,322 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9595% | 6,698 |
| Assets per employee ($millions) | 4.6158% | 2,578 |
| Cash dividends to net income (ytd only)* | 69.7987% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 7,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 52.8110% | 6,587 |
| Net loans and leases to deposits | 64.7569% | 6,496 |
| Net loans and leases to core deposits | 81.9476% | 6,247 |
| Total domestic deposits to total assets | 81.5526% | 4,876 |
| Equity capital to assets | 17.8985% | 561 |
| Core capital (leverage) ratio | 17.8367% | 525 |
| Tier 1 risk-based capital ratio | 31.9868% | 500 |
| Total risk-based capital ratio | 32.7741% | 506 |
| Memoranda: | ||
| Average total assets | $27,557,000 | 7,701 |
| Average earning assets | $25,373,330 | 7,662 |
| Average equity | $4,918,000 | 7,093 |
| Average total loans | $15,226,330 | 7,577 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8873% | 2,862 |
| Cost of funding earning assets | 1.9729% | 4,273 |
| Net interest margin | 3.9144% | 2,993 |
| Noninterest income to average assets | 0.2037% | 6,832 |
| Noninterest expense to average assets | 2.3865% | 6,242 |
| Loan and lease loss provision to assets | 0.0291% | 6,562 |
| Net operating income to assets | 1.1205% | 1,895 |
| Return on assets (ROA) | 1.1205% | 2,016 |
| Pretax return on assets | 1.4261% | 1,892 |
| Return on Equity (ROE) | 6.2876% | 3,913 |
| Retained earnings to average equity (ytd only) | -2.2048% | 6,142 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1212% | 6,028 |
| Assets per employee ($millions) | 4.5747% | 2,601 |
| Cash dividends to net income (ytd only)* | 135.0649% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7814% | 7,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 55.9786% | 6,243 |
| Net loans and leases to deposits | 68.5081% | 6,130 |
| Net loans and leases to core deposits | 84.1457% | 6,051 |
| Total domestic deposits to total assets | 81.7109% | 4,672 |
| Equity capital to assets | 17.7973% | 627 |
| Core capital (leverage) ratio | 17.8774% | 571 |
| Tier 1 risk-based capital ratio | 31.2840% | 568 |
| Total risk-based capital ratio | 32.0589% | 575 |
| Memoranda: | ||
| Average total assets | $27,488,000 | 7,750 |
| Average earning assets | $25,546,500 | 7,700 |
| Average equity | $4,898,500 | 7,149 |
| Average total loans | $15,465,500 | 7,608 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8630% | 6,222 |
| Cost of funding earning assets | 2.2942% | 5,177 |
| Net interest margin | 3.5688% | 5,021 |
| Noninterest income to average assets | 0.2465% | 6,681 |
| Noninterest expense to average assets | 2.3004% | 6,701 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9112% | 2,953 |
| Return on assets (ROA) | 0.9112% | 2,804 |
| Pretax return on assets | 1.3444% | 2,155 |
| Return on Equity (ROE) | 5.0105% | 4,384 |
| Retained earnings to average equity (ytd only) | 0.7393% | 4,786 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1148% | 5,759 |
| Assets per employee ($millions) | 4.5880% | 2,491 |
| Cash dividends to net income (ytd only)* | 85.2459% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 7,200 |
| Loan loss allowance to noncurrent loans | 5,950.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 7,612 |
| Noncurrent loans to loans | 0.0129% | 7,492 |
| Net loans and leases to total assets | 55.6742% | 6,468 |
| Net loans and leases to deposits | 68.3983% | 6,424 |
| Net loans and leases to core deposits | 85.0311% | 6,207 |
| Total domestic deposits to total assets | 81.3971% | 4,466 |
| Equity capital to assets | 17.8437% | 668 |
| Core capital (leverage) ratio | 17.3796% | 660 |
| Tier 1 risk-based capital ratio | 31.1044% | 582 |
| Total risk-based capital ratio | 31.8579% | 599 |
| Memoranda: | ||
| Average total assets | $26,777,400 | 7,771 |
| Average earning assets | $25,499,000 | 7,715 |
| Average equity | $4,869,800 | 7,189 |
| Average total loans | $14,133,800 | 7,696 |