Home > Kopernik Bank > Performance and Condition Ratios
Kopernik Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 2,584 |
| Cost of funding earning assets | 0.5670% | 2,944 |
| Net interest margin | 3.8918% | 2,351 |
| Noninterest income to average assets | 0.2948% | 4,135 |
| Noninterest expense to average assets | 2.0321% | 4,692 |
| Loan and lease loss provision to assets | -0.0122% | 5,114 |
| Net operating income to assets | 1.3054% | 1,774 |
| Return on assets (ROA) | 1.3054% | 1,760 |
| Pretax return on assets | 1.7764% | 982 |
| Return on Equity (ROE) | 5.3417% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.3417% | 2,568 |
| Net charge-offs to loans | -0.0342% | 4,855 |
| Credit loss provision to net charge-offs | 50.0000% | 3,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5280% | 4,657 |
| Assets per employee ($millions) | 8.0521% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1537% | 5,333 |
| Loan loss allowance to noncurrent loans | 6.0519% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 2.1733% | 411 |
| Noncurrent loans to loans | 2.5404% | 474 |
| Net loans and leases to total assets | 75.2770% | 1,728 |
| Net loans and leases to deposits | 109.4245% | 267 |
| Net loans and leases to core deposits | 112.2907% | 868 |
| Total domestic deposits to total assets | 68.7936% | 5,191 |
| Equity capital to assets | 27.0757% | 89 |
| Core capital (leverage) ratio | 25.8660% | 97 |
| Tier 1 risk-based capital ratio | 51.1013% | 127 |
| Total risk-based capital ratio | 51.3313% | 130 |
| Memoranda: | ||
| Average total assets | $156,043,200 | 3,324 |
| Average earning assets | $140,399,400 | 3,354 |
| Average equity | $38,134,200 | 1,933 |
| Average total loans | $111,193,400 | 3,112 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 2,656 |
| Cost of funding earning assets | 0.5695% | 2,711 |
| Net interest margin | 3.8219% | 2,561 |
| Noninterest income to average assets | 0.0697% | 5,297 |
| Noninterest expense to average assets | 1.9787% | 4,778 |
| Loan and lease loss provision to assets | -0.0260% | 5,253 |
| Net operating income to assets | 1.1207% | 2,573 |
| Return on assets (ROA) | 1.1207% | 2,586 |
| Pretax return on assets | 1.5313% | 1,801 |
| Return on Equity (ROE) | 4.7018% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.7018% | 3,393 |
| Net charge-offs to loans | -0.0370% | 4,824 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7952% | 4,278 |
| Assets per employee ($millions) | 7.5175% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1323% | 5,408 |
| Loan loss allowance to noncurrent loans | 4.5832% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 2.1623% | 461 |
| Noncurrent loans to loans | 2.8860% | 395 |
| Net loans and leases to total assets | 74.8234% | 1,850 |
| Net loans and leases to deposits | 107.5795% | 372 |
| Net loans and leases to core deposits | 110.2533% | 1,017 |
| Total domestic deposits to total assets | 69.5517% | 5,235 |
| Equity capital to assets | 25.6349% | 104 |
| Core capital (leverage) ratio | 24.3689% | 120 |
| Tier 1 risk-based capital ratio | 46.9178% | 161 |
| Total risk-based capital ratio | 47.1089% | 166 |
| Memoranda: | ||
| Average total assets | $158,819,500 | 3,322 |
| Average earning assets | $141,880,750 | 3,369 |
| Average equity | $37,857,000 | 1,950 |
| Average total loans | $111,673,500 | 3,138 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3019% | 2,755 |
| Cost of funding earning assets | 0.5695% | 2,437 |
| Net interest margin | 3.7324% | 2,816 |
| Noninterest income to average assets | 0.0705% | 5,352 |
| Noninterest expense to average assets | 2.0354% | 4,735 |
| Loan and lease loss provision to assets | -0.0384% | 5,360 |
| Net operating income to assets | 1.0034% | 3,000 |
| Return on assets (ROA) | 1.0034% | 3,000 |
| Pretax return on assets | 1.3660% | 2,271 |
| Return on Equity (ROE) | 4.3105% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.3105% | 3,445 |
| Net charge-offs to loans | -0.0251% | 4,667 |
| Credit loss provision to net charge-offs | 221.4286% | 1,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5224% | 3,849 |
| Assets per employee ($millions) | 8.3015% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1161% | 5,471 |
| Loan loss allowance to noncurrent loans | 3.7457% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 2.2342% | 430 |
| Noncurrent loans to loans | 3.0985% | 353 |
| Net loans and leases to total assets | 72.0223% | 2,272 |
| Net loans and leases to deposits | 100.9033% | 745 |
| Net loans and leases to core deposits | 104.2795% | 1,376 |
| Total domestic deposits to total assets | 71.3775% | 5,217 |
| Equity capital to assets | 24.1027% | 128 |
| Core capital (leverage) ratio | 22.7190% | 142 |
| Tier 1 risk-based capital ratio | 46.0800% | 166 |
| Total risk-based capital ratio | 46.2490% | 173 |
| Memoranda: | ||
| Average total assets | $161,642,670 | 3,304 |
| Average earning assets | $142,589,670 | 3,383 |
| Average equity | $37,628,670 | 1,958 |
| Average total loans | $111,349,330 | 3,156 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2641% | 2,655 |
| Cost of funding earning assets | 0.5600% | 2,317 |
| Net interest margin | 3.7041% | 2,780 |
| Noninterest income to average assets | 0.1345% | 5,193 |
| Noninterest expense to average assets | 2.3179% | 4,151 |
| Loan and lease loss provision to assets | -0.0562% | 5,471 |
| Net operating income to assets | 0.7995% | 3,705 |
| Return on assets (ROA) | 0.7995% | 3,715 |
| Pretax return on assets | 1.0587% | 3,320 |
| Return on Equity (ROE) | 3.4941% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.4941% | 3,805 |
| Net charge-offs to loans | -0.0508% | 4,973 |
| Credit loss provision to net charge-offs | 164.2857% | 1,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8085% | 2,514 |
| Assets per employee ($millions) | 6.4643% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1256% | 5,535 |
| Loan loss allowance to noncurrent loans | 3.7353% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 2.3477% | 417 |
| Noncurrent loans to loans | 3.3613% | 320 |
| Net loans and leases to total assets | 68.9106% | 2,646 |
| Net loans and leases to deposits | 95.6448% | 1,070 |
| Net loans and leases to core deposits | 99.2593% | 1,745 |
| Total domestic deposits to total assets | 72.0484% | 5,283 |
| Equity capital to assets | 23.2557% | 135 |
| Core capital (leverage) ratio | 21.8056% | 159 |
| Tier 1 risk-based capital ratio | 45.8035% | 165 |
| Total risk-based capital ratio | 45.9842% | 174 |
| Memoranda: | ||
| Average total assets | $163,599,500 | 3,319 |
| Average earning assets | $140,709,000 | 3,440 |
| Average equity | $37,434,500 | 1,979 |
| Average total loans | $110,158,000 | 3,185 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 1,232 |
| Cost of funding earning assets | 0.7081% | 981 |
| Net interest margin | 3.9791% | 1,814 |
| Noninterest income to average assets | 4.1857% | 125 |
| Noninterest expense to average assets | 2.9791% | 2,222 |
| Loan and lease loss provision to assets | 0.0516% | 3,196 |
| Net operating income to assets | 3.5358% | 53 |
| Return on assets (ROA) | 3.3146% | 57 |
| Pretax return on assets | 4.4078% | 59 |
| Return on Equity (ROE) | 16.1264% | 467 |
| Retained earnings to average equity (ytd only) | 16.1264% | 65 |
| Net charge-offs to loans | 0.0122% | 3,654 |
| Credit loss provision to net charge-offs | 509.0909% | 605 |
| Earnings coverage of net charge-offs (x) | 468.9091% | 187 |
| Efficiency ratio | 38.5221% | 5,550 |
| Assets per employee ($millions) | 6.9003% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1369% | 5,594 |
| Loan loss allowance to noncurrent loans | 4.0833% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 2.2312% | 456 |
| Noncurrent loans to loans | 3.3535% | 310 |
| Net loans and leases to total assets | 65.6148% | 3,148 |
| Net loans and leases to deposits | 89.9885% | 1,777 |
| Net loans and leases to core deposits | 93.4518% | 2,246 |
| Total domestic deposits to total assets | 72.9146% | 5,265 |
| Equity capital to assets | 22.5233% | 138 |
| Core capital (leverage) ratio | 20.6646% | 184 |
| Tier 1 risk-based capital ratio | 44.8156% | 159 |
| Total risk-based capital ratio | 45.0055% | 167 |
| Memoranda: | ||
| Average total assets | $108,489,200 | 4,092 |
| Average earning assets | $96,731,000 | 4,151 |
| Average equity | $22,298,800 | 2,923 |
| Average total loans | $89,817,400 | 3,527 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 1,325 |
| Cost of funding earning assets | 0.7187% | 890 |
| Net interest margin | 3.8981% | 2,047 |
| Noninterest income to average assets | 0.1543% | 5,247 |
| Noninterest expense to average assets | 1.9233% | 5,104 |
| Loan and lease loss provision to assets | 0.0538% | 3,021 |
| Net operating income to assets | 1.1175% | 2,004 |
| Return on assets (ROA) | 1.1166% | 2,076 |
| Pretax return on assets | 1.8143% | 856 |
| Return on Equity (ROE) | 5.6715% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.6715% | 2,449 |
| Net charge-offs to loans | 0.0502% | 2,426 |
| Credit loss provision to net charge-offs | 118.7500% | 2,021 |
| Earnings coverage of net charge-offs (x) | 41.2770% | 1,271 |
| Efficiency ratio | 50.7090% | 5,198 |
| Assets per employee ($millions) | 8.8081% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1240% | 5,668 |
| Loan loss allowance to noncurrent loans | 3.6184% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 3.2800% | 255 |
| Noncurrent loans to loans | 3.4267% | 327 |
| Net loans and leases to total assets | 91.4500% | 44 |
| Net loans and leases to deposits | 146.5272% | 14 |
| Net loans and leases to core deposits | 158.4921% | 92 |
| Total domestic deposits to total assets | 62.4116% | 5,632 |
| Equity capital to assets | 19.5708% | 246 |
| Core capital (leverage) ratio | 18.3050% | 287 |
| Tier 1 risk-based capital ratio | 32.2164% | 411 |
| Total risk-based capital ratio | 32.4167% | 438 |
| Memoranda: | ||
| Average total assets | $94,210,000 | 4,379 |
| Average earning assets | $87,938,500 | 4,376 |
| Average equity | $18,548,500 | 3,323 |
| Average total loans | $85,069,000 | 3,657 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 1,398 |
| Cost of funding earning assets | 0.6855% | 959 |
| Net interest margin | 3.8621% | 2,055 |
| Noninterest income to average assets | 0.2208% | 4,928 |
| Noninterest expense to average assets | 2.0232% | 4,924 |
| Loan and lease loss provision to assets | 0.1157% | 1,775 |
| Net operating income to assets | 1.0173% | 2,346 |
| Return on assets (ROA) | 1.0159% | 2,391 |
| Pretax return on assets | 1.6782% | 1,108 |
| Return on Equity (ROE) | 5.1492% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.1492% | 2,609 |
| Net charge-offs to loans | 0.0978% | 1,643 |
| Credit loss provision to net charge-offs | 131.7073% | 1,666 |
| Earnings coverage of net charge-offs (x) | 20.4390% | 1,796 |
| Efficiency ratio | 52.9742% | 5,096 |
| Assets per employee ($millions) | 8.8504% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1341% | 5,715 |
| Loan loss allowance to noncurrent loans | 3.7657% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 3.3332% | 252 |
| Noncurrent loans to loans | 3.5613% | 313 |
| Net loans and leases to total assets | 89.4940% | 93 |
| Net loans and leases to deposits | 133.1611% | 39 |
| Net loans and leases to core deposits | 148.7909% | 129 |
| Total domestic deposits to total assets | 67.2073% | 5,615 |
| Equity capital to assets | 19.1538% | 257 |
| Core capital (leverage) ratio | 18.5528% | 267 |
| Tier 1 risk-based capital ratio | 32.4259% | 388 |
| Total risk-based capital ratio | 32.6464% | 417 |
| Memoranda: | ||
| Average total assets | $93,317,000 | 4,433 |
| Average earning assets | $86,948,330 | 4,420 |
| Average equity | $18,410,670 | 3,344 |
| Average total loans | $83,853,670 | 3,697 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 1,425 |
| Cost of funding earning assets | 0.6602% | 1,026 |
| Net interest margin | 3.8197% | 2,044 |
| Noninterest income to average assets | 0.4075% | 3,605 |
| Noninterest expense to average assets | 2.1687% | 4,727 |
| Loan and lease loss provision to assets | 0.0088% | 3,443 |
| Net operating income to assets | 1.0499% | 2,070 |
| Return on assets (ROA) | 1.0471% | 2,133 |
| Pretax return on assets | 1.7744% | 850 |
| Return on Equity (ROE) | 5.2262% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.2262% | 2,770 |
| Net charge-offs to loans | 0.0341% | 2,096 |
| Credit loss provision to net charge-offs | 28.5714% | 2,121 |
| Earnings coverage of net charge-offs (x) | 58.2857% | 819 |
| Efficiency ratio | 54.8173% | 5,059 |
| Assets per employee ($millions) | 8.3613% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1188% | 5,792 |
| Loan loss allowance to noncurrent loans | 2.9247% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 3.7685% | 212 |
| Noncurrent loans to loans | 4.0604% | 250 |
| Net loans and leases to total assets | 90.5343% | 43 |
| Net loans and leases to deposits | 125.3319% | 56 |
| Net loans and leases to core deposits | 138.6945% | 181 |
| Total domestic deposits to total assets | 72.2356% | 5,529 |
| Equity capital to assets | 20.0187% | 212 |
| Core capital (leverage) ratio | 18.8629% | 242 |
| Tier 1 risk-based capital ratio | 32.8547% | 383 |
| Total risk-based capital ratio | 33.0488% | 414 |
| Memoranda: | ||
| Average total assets | $91,298,500 | 4,514 |
| Average earning assets | $84,823,000 | 4,499 |
| Average equity | $18,292,500 | 3,377 |
| Average total loans | $82,159,000 | 3,762 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 1,287 |
| Cost of funding earning assets | 0.7294% | 703 |
| Net interest margin | 3.8673% | 2,073 |
| Noninterest income to average assets | 0.7117% | 2,125 |
| Noninterest expense to average assets | 3.2021% | 1,784 |
| Loan and lease loss provision to assets | 0.1176% | 2,105 |
| Net operating income to assets | 0.7083% | 3,744 |
| Return on assets (ROA) | 0.9921% | 2,488 |
| Pretax return on assets | 1.1656% | 2,826 |
| Return on Equity (ROE) | 5.4954% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.4954% | 2,018 |
| Net charge-offs to loans | 0.2081% | 1,338 |
| Credit loss provision to net charge-offs | 71.7391% | 3,108 |
| Earnings coverage of net charge-offs (x) | 5.7899% | 3,287 |
| Efficiency ratio | 77.1322% | 1,823 |
| Assets per employee ($millions) | 8.2385% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1285% | 5,846 |
| Loan loss allowance to noncurrent loans | 2.8392% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 4.2627% | 169 |
| Noncurrent loans to loans | 4.5250% | 202 |
| Net loans and leases to total assets | 89.2125% | 88 |
| Net loans and leases to deposits | 118.4051% | 106 |
| Net loans and leases to core deposits | 131.1493% | 271 |
| Total domestic deposits to total assets | 75.3451% | 5,314 |
| Equity capital to assets | 20.0534% | 205 |
| Core capital (leverage) ratio | 18.7944% | 240 |
| Tier 1 risk-based capital ratio | 32.9486% | 375 |
| Total risk-based capital ratio | 33.1555% | 407 |
| Memoranda: | ||
| Average total assets | $84,164,800 | 4,648 |
| Average earning assets | $74,858,800 | 4,707 |
| Average equity | $15,194,600 | 3,788 |
| Average total loans | $66,308,400 | 4,135 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5695% | 1,364 |
| Cost of funding earning assets | 0.7408% | 664 |
| Net interest margin | 3.8287% | 2,233 |
| Noninterest income to average assets | 0.9352% | 1,295 |
| Noninterest expense to average assets | 3.3449% | 1,469 |
| Loan and lease loss provision to assets | 0.1841% | 1,188 |
| Net operating income to assets | 0.7524% | 3,596 |
| Return on assets (ROA) | 0.9529% | 2,780 |
| Pretax return on assets | 0.9852% | 3,684 |
| Return on Equity (ROE) | 5.4439% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.4439% | 2,521 |
| Net charge-offs to loans | 0.3214% | 721 |
| Credit loss provision to net charge-offs | 75.4967% | 2,717 |
| Earnings coverage of net charge-offs (x) | 3.9470% | 3,334 |
| Efficiency ratio | 77.6528% | 1,739 |
| Assets per employee ($millions) | 5.9412% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1331% | 5,910 |
| Loan loss allowance to noncurrent loans | 2.9169% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 5.2492% | 133 |
| Noncurrent loans to loans | 4.5623% | 208 |
| Net loans and leases to total assets | 89.2592% | 88 |
| Net loans and leases to deposits | 111.9515% | 223 |
| Net loans and leases to core deposits | 124.7487% | 395 |
| Total domestic deposits to total assets | 79.7302% | 4,571 |
| Equity capital to assets | 20.1171% | 224 |
| Core capital (leverage) ratio | 17.3426% | 342 |
| Tier 1 risk-based capital ratio | 32.3973% | 397 |
| Total risk-based capital ratio | 32.6087% | 429 |
| Memoranda: | ||
| Average total assets | $82,550,250 | 4,716 |
| Average earning assets | $72,711,500 | 4,783 |
| Average equity | $14,450,000 | 3,918 |
| Average total loans | $62,647,750 | 4,237 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 2,412 |
| Cost of funding earning assets | 0.7301% | 690 |
| Net interest margin | 3.4995% | 3,494 |
| Noninterest income to average assets | 1.3414% | 634 |
| Noninterest expense to average assets | 2.9542% | 2,505 |
| Loan and lease loss provision to assets | 0.4579% | 308 |
| Net operating income to assets | 0.8553% | 3,071 |
| Return on assets (ROA) | 1.0328% | 2,373 |
| Pretax return on assets | 1.1871% | 2,832 |
| Return on Equity (ROE) | 6.2450% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.2450% | 1,993 |
| Net charge-offs to loans | 0.6072% | 342 |
| Credit loss provision to net charge-offs | 106.3584% | 2,012 |
| Earnings coverage of net charge-offs (x) | 3.3468% | 3,122 |
| Efficiency ratio | 67.2140% | 3,498 |
| Assets per employee ($millions) | 6.9141% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1991% | 5,973 |
| Loan loss allowance to noncurrent loans | 5.1834% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 3.8472% | 250 |
| Noncurrent loans to loans | 3.8402% | 324 |
| Net loans and leases to total assets | 74.4485% | 1,740 |
| Net loans and leases to deposits | 89.9938% | 1,760 |
| Net loans and leases to core deposits | 98.3154% | 1,780 |
| Total domestic deposits to total assets | 82.7262% | 3,752 |
| Equity capital to assets | 17.1176% | 417 |
| Core capital (leverage) ratio | 17.8185% | 307 |
| Tier 1 risk-based capital ratio | 33.0748% | 381 |
| Total risk-based capital ratio | 33.3908% | 405 |
| Memoranda: | ||
| Average total assets | $80,361,000 | 4,809 |
| Average earning assets | $70,124,330 | 4,883 |
| Average equity | $13,290,670 | 4,109 |
| Average total loans | $56,979,670 | 4,437 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2154% | 2,415 |
| Cost of funding earning assets | 0.7726% | 571 |
| Net interest margin | 3.4428% | 3,701 |
| Noninterest income to average assets | 0.0699% | 5,904 |
| Noninterest expense to average assets | 2.7837% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2446% | 5,445 |
| Return on assets (ROA) | 0.2446% | 5,510 |
| Pretax return on assets | 0.2446% | 5,588 |
| Return on Equity (ROE) | 1.5191% | 5,614 |
| Retained earnings to average equity (ytd only) | 1.5191% | 4,664 |
| Net charge-offs to loans | -0.0171% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9231% | 556 |
| Assets per employee ($millions) | 9.7084% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3132% | 6,001 |
| Loan loss allowance to noncurrent loans | 4.6986% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 5.9860% | 118 |
| Noncurrent loans to loans | 6.6649% | 114 |
| Net loans and leases to total assets | 67.9189% | 2,657 |
| Net loans and leases to deposits | 81.2924% | 2,635 |
| Net loans and leases to core deposits | 91.5832% | 2,227 |
| Total domestic deposits to total assets | 83.5489% | 3,695 |
| Equity capital to assets | 16.3054% | 496 |
| Core capital (leverage) ratio | 16.2638% | 439 |
| Tier 1 risk-based capital ratio | 33.3504% | 384 |
| Total risk-based capital ratio | 33.7879% | 402 |
| Memoranda: | ||
| Average total assets | $68,685,500 | 5,101 |
| Average earning assets | $59,021,000 | 5,186 |
| Average equity | $11,059,500 | 4,494 |
| Average total loans | $46,786,500 | 4,773 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9356% | 3,580 |
| Cost of funding earning assets | 0.7716% | 571 |
| Net interest margin | 3.1640% | 4,740 |
| Noninterest income to average assets | 0.2984% | 4,752 |
| Noninterest expense to average assets | 2.1248% | 5,202 |
| Loan and lease loss provision to assets | 0.1236% | 1,944 |
| Net operating income to assets | 0.6404% | 4,081 |
| Return on assets (ROA) | 0.6404% | 4,170 |
| Pretax return on assets | 0.8740% | 3,938 |
| Return on Equity (ROE) | 4.8057% | 4,602 |
| Retained earnings to average equity (ytd only) | 4.8057% | 2,565 |
| Net charge-offs to loans | 0.3806% | 755 |
| Credit loss provision to net charge-offs | 50.6173% | 3,395 |
| Earnings coverage of net charge-offs (x) | 4.0864% | 3,611 |
| Efficiency ratio | 68.0502% | 3,566 |
| Assets per employee ($millions) | 8.6765% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3025% | 6,055 |
| Loan loss allowance to noncurrent loans | 5.0530% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 5.4472% | 155 |
| Noncurrent loans to loans | 5.9868% | 143 |
| Net loans and leases to total assets | 67.8960% | 2,713 |
| Net loans and leases to deposits | 80.9134% | 2,721 |
| Net loans and leases to core deposits | 90.6343% | 2,351 |
| Total domestic deposits to total assets | 83.9120% | 3,515 |
| Equity capital to assets | 15.9021% | 528 |
| Core capital (leverage) ratio | 15.7687% | 492 |
| Tier 1 risk-based capital ratio | 32.4917% | 414 |
| Total risk-based capital ratio | 32.9145% | 438 |
| Memoranda: | ||
| Average total assets | $66,360,400 | 5,171 |
| Average earning assets | $59,228,600 | 5,207 |
| Average equity | $8,843,600 | 4,884 |
| Average total loans | $42,561,000 | 4,917 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 3,990 |
| Cost of funding earning assets | 0.7777% | 568 |
| Net interest margin | 3.0545% | 5,065 |
| Noninterest income to average assets | 0.0386% | 6,129 |
| Noninterest expense to average assets | 1.9106% | 5,624 |
| Loan and lease loss provision to assets | 0.1667% | 1,267 |
| Net operating income to assets | 0.5386% | 4,637 |
| Return on assets (ROA) | 0.5386% | 4,736 |
| Pretax return on assets | 0.7155% | 4,630 |
| Return on Equity (ROE) | 4.2594% | 4,930 |
| Retained earnings to average equity (ytd only) | 4.2594% | 3,431 |
| Net charge-offs to loans | 0.5284% | 444 |
| Credit loss provision to net charge-offs | 50.0000% | 3,031 |
| Earnings coverage of net charge-offs (x) | 2.6463% | 3,631 |
| Efficiency ratio | 68.4134% | 3,466 |
| Assets per employee ($millions) | 7.5625% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3422% | 6,119 |
| Loan loss allowance to noncurrent loans | 4.0080% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 6.8198% | 117 |
| Noncurrent loans to loans | 8.5382% | 61 |
| Net loans and leases to total assets | 67.8711% | 2,697 |
| Net loans and leases to deposits | 78.9669% | 2,997 |
| Net loans and leases to core deposits | 89.1431% | 2,541 |
| Total domestic deposits to total assets | 85.9488% | 2,552 |
| Equity capital to assets | 13.9306% | 1,053 |
| Core capital (leverage) ratio | 13.3253% | 1,080 |
| Tier 1 risk-based capital ratio | 28.2584% | 603 |
| Total risk-based capital ratio | 28.7337% | 633 |
| Memoranda: | ||
| Average total assets | $65,597,500 | 5,251 |
| Average earning assets | $59,145,250 | 5,270 |
| Average equity | $8,295,000 | 5,071 |
| Average total loans | $41,383,500 | 5,008 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 4,052 |
| Cost of funding earning assets | 0.7720% | 579 |
| Net interest margin | 3.0320% | 5,145 |
| Noninterest income to average assets | 0.0178% | 6,232 |
| Noninterest expense to average assets | 1.8426% | 5,793 |
| Loan and lease loss provision to assets | 0.0981% | 2,183 |
| Net operating income to assets | 0.5884% | 4,401 |
| Return on assets (ROA) | 0.5884% | 4,494 |
| Pretax return on assets | 0.8202% | 4,252 |
| Return on Equity (ROE) | 4.7996% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.7996% | 2,990 |
| Net charge-offs to loans | 0.5694% | 428 |
| Credit loss provision to net charge-offs | 27.9661% | 2,944 |
| Earnings coverage of net charge-offs (x) | 2.6186% | 3,311 |
| Efficiency ratio | 66.7384% | 3,878 |
| Assets per employee ($millions) | 8.1683% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3362% | 6,200 |
| Loan loss allowance to noncurrent loans | 4.8000% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 5.3331% | 193 |
| Noncurrent loans to loans | 7.0031% | 118 |
| Net loans and leases to total assets | 62.6129% | 3,465 |
| Net loans and leases to deposits | 71.8690% | 3,734 |
| Net loans and leases to core deposits | 79.6864% | 3,425 |
| Total domestic deposits to total assets | 87.1209% | 2,096 |
| Equity capital to assets | 12.7950% | 1,497 |
| Core capital (leverage) ratio | 12.5077% | 1,377 |
| Tier 1 risk-based capital ratio | 29.0490% | 585 |
| Total risk-based capital ratio | 29.5312% | 620 |
| Memoranda: | ||
| Average total assets | $67,296,670 | 5,271 |
| Average earning assets | $60,884,670 | 5,281 |
| Average equity | $8,250,670 | 5,113 |
| Average total loans | $41,443,670 | 5,053 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6299% | 4,598 |
| Cost of funding earning assets | 0.7880% | 540 |
| Net interest margin | 2.8419% | 5,566 |
| Noninterest income to average assets | 0.0234% | 6,285 |
| Noninterest expense to average assets | 1.8397% | 5,838 |
| Loan and lease loss provision to assets | 0.1933% | 970 |
| Net operating income to assets | 0.3808% | 5,141 |
| Return on assets (ROA) | 0.3808% | 5,260 |
| Pretax return on assets | 0.5683% | 4,998 |
| Return on Equity (ROE) | 3.1725% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.1725% | 4,085 |
| Net charge-offs to loans | 0.5284% | 474 |
| Credit loss provision to net charge-offs | 60.0000% | 1,997 |
| Earnings coverage of net charge-offs (x) | 2.3636% | 2,771 |
| Efficiency ratio | 70.7207% | 3,364 |
| Assets per employee ($millions) | 8.5139% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4857% | 6,180 |
| Loan loss allowance to noncurrent loans | 8.1048% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 4.2783% | 329 |
| Noncurrent loans to loans | 5.9925% | 181 |
| Net loans and leases to total assets | 60.4660% | 3,585 |
| Net loans and leases to deposits | 68.8431% | 3,876 |
| Net loans and leases to core deposits | 77.5929% | 3,419 |
| Total domestic deposits to total assets | 87.8316% | 1,911 |
| Equity capital to assets | 12.0803% | 1,968 |
| Core capital (leverage) ratio | 11.9988% | 1,640 |
| Tier 1 risk-based capital ratio | 28.5994% | 615 |
| Total risk-based capital ratio | 29.3020% | 635 |
| Memoranda: | ||
| Average total assets | $68,272,000 | 5,300 |
| Average earning assets | $61,930,500 | 5,303 |
| Average equity | $8,195,500 | 5,166 |
| Average total loans | $41,639,000 | 5,080 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 3,142 |
| Cost of funding earning assets | 0.7883% | 686 |
| Net interest margin | 3.3581% | 4,376 |
| Noninterest income to average assets | 0.0159% | 6,363 |
| Noninterest expense to average assets | 1.7355% | 6,130 |
| Loan and lease loss provision to assets | 0.1399% | 1,898 |
| Net operating income to assets | 0.7271% | 3,761 |
| Return on assets (ROA) | 0.7271% | 3,864 |
| Pretax return on assets | 1.2133% | 2,600 |
| Return on Equity (ROE) | 6.3702% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.3702% | 1,724 |
| Net charge-offs to loans | 0.2178% | 1,928 |
| Credit loss provision to net charge-offs | 102.1053% | 2,345 |
| Earnings coverage of net charge-offs (x) | 9.8737% | 2,687 |
| Efficiency ratio | 56.1887% | 5,650 |
| Assets per employee ($millions) | 8.5541% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5323% | 6,221 |
| Loan loss allowance to noncurrent loans | 11.3602% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 3.0000% | 672 |
| Noncurrent loans to loans | 4.6857% | 340 |
| Net loans and leases to total assets | 60.8917% | 3,654 |
| Net loans and leases to deposits | 69.2319% | 4,001 |
| Net loans and leases to core deposits | 76.9089% | 3,618 |
| Total domestic deposits to total assets | 87.9532% | 1,798 |
| Equity capital to assets | 11.9285% | 2,065 |
| Core capital (leverage) ratio | 11.9285% | 1,675 |
| Tier 1 risk-based capital ratio | 29.2843% | 539 |
| Total risk-based capital ratio | 30.0879% | 559 |
| Memoranda: | ||
| Average total assets | $69,317,600 | 5,314 |
| Average earning assets | $63,429,000 | 5,300 |
| Average equity | $7,911,800 | 5,226 |
| Average total loans | $43,615,400 | 5,048 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2263% | 2,904 |
| Cost of funding earning assets | 0.7833% | 751 |
| Net interest margin | 3.4430% | 4,048 |
| Noninterest income to average assets | 0.0153% | 6,446 |
| Noninterest expense to average assets | 1.7314% | 6,179 |
| Loan and lease loss provision to assets | 0.1860% | 1,316 |
| Net operating income to assets | 0.7382% | 3,735 |
| Return on assets (ROA) | 0.7382% | 3,843 |
| Pretax return on assets | 1.2501% | 2,574 |
| Return on Equity (ROE) | 6.5399% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.5399% | 2,074 |
| Net charge-offs to loans | 0.2815% | 1,397 |
| Credit loss provision to net charge-offs | 104.3011% | 2,122 |
| Earnings coverage of net charge-offs (x) | 8.0535% | 2,860 |
| Efficiency ratio | 54.6610% | 5,760 |
| Assets per employee ($millions) | 8.5610% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5311% | 6,301 |
| Loan loss allowance to noncurrent loans | 13.8547% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 2.5026% | 1,050 |
| Noncurrent loans to loans | 3.8334% | 580 |
| Net loans and leases to total assets | 61.5276% | 3,557 |
| Net loans and leases to deposits | 69.8024% | 3,940 |
| Net loans and leases to core deposits | 76.7993% | 3,656 |
| Total domestic deposits to total assets | 88.1454% | 1,691 |
| Equity capital to assets | 11.7451% | 2,267 |
| Core capital (leverage) ratio | 11.7451% | 1,869 |
| Tier 1 risk-based capital ratio | 28.5248% | 611 |
| Total risk-based capital ratio | 29.3227% | 624 |
| Memoranda: | ||
| Average total assets | $69,538,750 | 5,360 |
| Average earning assets | $63,663,250 | 5,350 |
| Average equity | $7,849,000 | 5,281 |
| Average total loans | $44,046,000 | 5,088 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 2,556 |
| Cost of funding earning assets | 0.7780% | 796 |
| Net interest margin | 3.5307% | 3,654 |
| Noninterest income to average assets | 0.0172% | 6,514 |
| Noninterest expense to average assets | 1.7342% | 6,234 |
| Loan and lease loss provision to assets | 0.2032% | 1,182 |
| Net operating income to assets | 0.7469% | 3,587 |
| Return on assets (ROA) | 0.7469% | 3,689 |
| Pretax return on assets | 1.3135% | 2,206 |
| Return on Equity (ROE) | 6.7061% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.7061% | 1,924 |
| Net charge-offs to loans | 0.3139% | 1,288 |
| Credit loss provision to net charge-offs | 101.4286% | 1,960 |
| Earnings coverage of net charge-offs (x) | 7.5714% | 2,608 |
| Efficiency ratio | 53.3451% | 5,969 |
| Assets per employee ($millions) | 9.8807% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5059% | 6,406 |
| Loan loss allowance to noncurrent loans | 13.6447% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 2.4825% | 1,145 |
| Noncurrent loans to loans | 3.7079% | 683 |
| Net loans and leases to total assets | 63.1201% | 3,219 |
| Net loans and leases to deposits | 71.3466% | 3,659 |
| Net loans and leases to core deposits | 78.7180% | 3,348 |
| Total domestic deposits to total assets | 88.4696% | 1,653 |
| Equity capital to assets | 11.4509% | 2,463 |
| Core capital (leverage) ratio | 11.4509% | 2,048 |
| Tier 1 risk-based capital ratio | 27.2943% | 684 |
| Total risk-based capital ratio | 28.0594% | 700 |
| Memoranda: | ||
| Average total assets | $69,889,000 | 5,391 |
| Average earning assets | $64,010,670 | 5,385 |
| Average equity | $7,784,000 | 5,319 |
| Average total loans | $44,606,670 | 5,097 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 1,858 |
| Cost of funding earning assets | 0.7825% | 821 |
| Net interest margin | 3.7015% | 2,861 |
| Noninterest income to average assets | 0.0171% | 6,575 |
| Noninterest expense to average assets | 1.6683% | 6,374 |
| Loan and lease loss provision to assets | 0.4043% | 417 |
| Net operating income to assets | 0.6434% | 3,981 |
| Return on assets (ROA) | 0.6434% | 4,072 |
| Pretax return on assets | 1.3381% | 1,969 |
| Return on Equity (ROE) | 5.8580% | 4,095 |
| Retained earnings to average equity (ytd only) | 5.8580% | 2,616 |
| Net charge-offs to loans | 0.5959% | 621 |
| Credit loss provision to net charge-offs | 105.9701% | 1,583 |
| Earnings coverage of net charge-offs (x) | 4.5672% | 2,506 |
| Efficiency ratio | 48.9149% | 6,318 |
| Assets per employee ($millions) | 8.6749% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5068% | 6,497 |
| Loan loss allowance to noncurrent loans | 13.2431% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 2.5778% | 1,217 |
| Noncurrent loans to loans | 3.8272% | 728 |
| Net loans and leases to total assets | 63.6436% | 2,959 |
| Net loans and leases to deposits | 71.8670% | 3,357 |
| Net loans and leases to core deposits | 76.9370% | 3,312 |
| Total domestic deposits to total assets | 88.5575% | 1,911 |
| Equity capital to assets | 11.2004% | 2,522 |
| Core capital (leverage) ratio | 11.2004% | 2,222 |
| Tier 1 risk-based capital ratio | 26.3831% | 758 |
| Total risk-based capital ratio | 27.1468% | 780 |
| Memoranda: | ||
| Average total assets | $70,251,000 | 5,435 |
| Average earning assets | $64,405,500 | 5,426 |
| Average equity | $7,716,000 | 5,365 |
| Average total loans | $44,970,500 | 5,125 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 1,828 |
| Cost of funding earning assets | 0.9143% | 686 |
| Net interest margin | 3.6987% | 3,061 |
| Noninterest income to average assets | 0.1439% | 6,223 |
| Noninterest expense to average assets | 1.8487% | 6,259 |
| Loan and lease loss provision to assets | 0.4244% | 697 |
| Net operating income to assets | 0.7150% | 3,721 |
| Return on assets (ROA) | 0.7150% | 3,811 |
| Pretax return on assets | 1.1883% | 2,625 |
| Return on Equity (ROE) | 6.7459% | 3,699 |
| Retained earnings to average equity (ytd only) | 6.7459% | 1,558 |
| Net charge-offs to loans | 0.4630% | 1,436 |
| Credit loss provision to net charge-offs | 137.8505% | 1,695 |
| Earnings coverage of net charge-offs (x) | 5.2383% | 3,350 |
| Efficiency ratio | 53.4081% | 6,183 |
| Assets per employee ($millions) | 7.9003% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4852% | 6,584 |
| Loan loss allowance to noncurrent loans | 10.1516% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 3.1883% | 965 |
| Noncurrent loans to loans | 4.7796% | 544 |
| Net loans and leases to total assets | 63.7484% | 3,082 |
| Net loans and leases to deposits | 71.7256% | 3,560 |
| Net loans and leases to core deposits | 77.5510% | 3,420 |
| Total domestic deposits to total assets | 88.8781% | 1,709 |
| Equity capital to assets | 10.7717% | 2,850 |
| Core capital (leverage) ratio | 10.7717% | 2,601 |
| Tier 1 risk-based capital ratio | 25.5368% | 812 |
| Total risk-based capital ratio | 26.2737% | 839 |
| Memoranda: | ||
| Average total assets | $69,508,800 | 5,495 |
| Average earning assets | $62,346,000 | 5,530 |
| Average equity | $7,367,400 | 5,486 |
| Average total loans | $46,221,600 | 5,110 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7755% | 1,404 |
| Cost of funding earning assets | 0.9464% | 658 |
| Net interest margin | 3.8291% | 2,543 |
| Noninterest income to average assets | 0.0154% | 6,702 |
| Noninterest expense to average assets | 1.8347% | 6,293 |
| Loan and lease loss provision to assets | 0.4958% | 557 |
| Net operating income to assets | 0.6849% | 3,930 |
| Return on assets (ROA) | 0.6849% | 4,072 |
| Pretax return on assets | 1.0958% | 3,131 |
| Return on Equity (ROE) | 6.4887% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.4887% | 2,143 |
| Net charge-offs to loans | 0.5547% | 1,145 |
| Credit loss provision to net charge-offs | 133.1606% | 1,773 |
| Earnings coverage of net charge-offs (x) | 4.2746% | 3,482 |
| Efficiency ratio | 53.5473% | 6,142 |
| Assets per employee ($millions) | 7.7844% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4425% | 6,694 |
| Loan loss allowance to noncurrent loans | 9.9804% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 3.7339% | 880 |
| Noncurrent loans to loans | 4.4336% | 744 |
| Net loans and leases to total assets | 65.5124% | 2,718 |
| Net loans and leases to deposits | 73.5215% | 3,312 |
| Net loans and leases to core deposits | 78.6814% | 3,276 |
| Total domestic deposits to total assets | 89.1065% | 1,506 |
| Equity capital to assets | 10.7308% | 3,037 |
| Core capital (leverage) ratio | 10.7308% | 2,753 |
| Tier 1 risk-based capital ratio | 24.1248% | 982 |
| Total risk-based capital ratio | 24.7794% | 1,043 |
| Memoranda: | ||
| Average total assets | $69,110,250 | 5,561 |
| Average earning assets | $61,562,250 | 5,610 |
| Average equity | $7,294,500 | 5,560 |
| Average total loans | $46,390,000 | 5,142 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 1,075 |
| Cost of funding earning assets | 0.9390% | 748 |
| Net interest margin | 3.9694% | 1,969 |
| Noninterest income to average assets | 0.0116% | 6,767 |
| Noninterest expense to average assets | 1.9246% | 6,178 |
| Loan and lease loss provision to assets | 0.7094% | 326 |
| Net operating income to assets | 0.5553% | 4,527 |
| Return on assets (ROA) | 0.5553% | 4,701 |
| Pretax return on assets | 0.8925% | 3,936 |
| Return on Equity (ROE) | 5.2909% | 4,570 |
| Retained earnings to average equity (ytd only) | 5.2909% | 2,867 |
| Net charge-offs to loans | 0.8433% | 737 |
| Credit loss provision to net charge-offs | 124.4898% | 1,812 |
| Earnings coverage of net charge-offs (x) | 2.8112% | 3,581 |
| Efficiency ratio | 54.5754% | 6,096 |
| Assets per employee ($millions) | 7.6976% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4151% | 6,762 |
| Loan loss allowance to noncurrent loans | 13.6529% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 2.9504% | 1,381 |
| Noncurrent loans to loans | 3.0401% | 1,460 |
| Net loans and leases to total assets | 65.1087% | 2,744 |
| Net loans and leases to deposits | 72.9752% | 3,311 |
| Net loans and leases to core deposits | 78.1435% | 3,268 |
| Total domestic deposits to total assets | 89.2202% | 1,496 |
| Equity capital to assets | 10.6138% | 3,157 |
| Core capital (leverage) ratio | 10.6138% | 2,751 |
| Tier 1 risk-based capital ratio | 24.5796% | 922 |
| Total risk-based capital ratio | 25.2081% | 982 |
| Memoranda: | ||
| Average total assets | $68,793,670 | 5,610 |
| Average earning assets | $60,916,330 | 5,667 |
| Average equity | $7,220,000 | 5,625 |
| Average total loans | $46,486,000 | 5,158 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 880 |
| Cost of funding earning assets | 0.9403% | 818 |
| Net interest margin | 4.0656% | 1,569 |
| Noninterest income to average assets | 0.0175% | 6,817 |
| Noninterest expense to average assets | 1.8555% | 6,358 |
| Loan and lease loss provision to assets | 1.4237% | 100 |
| Net operating income to assets | -0.0992% | 6,440 |
| Return on assets (ROA) | -0.0992% | 6,491 |
| Pretax return on assets | 0.3209% | 5,808 |
| Return on Equity (ROE) | -0.9506% | 6,498 |
| Retained earnings to average equity (ytd only) | -0.9506% | 5,942 |
| Net charge-offs to loans | 1.6907% | 295 |
| Credit loss provision to net charge-offs | 122.6131% | 1,577 |
| Earnings coverage of net charge-offs (x) | 1.5025% | 3,328 |
| Efficiency ratio | 51.5397% | 6,408 |
| Assets per employee ($millions) | 7.6753% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3932% | 6,857 |
| Loan loss allowance to noncurrent loans | 10.5775% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 3.4975% | 1,217 |
| Noncurrent loans to loans | 3.7176% | 1,265 |
| Net loans and leases to total assets | 67.8378% | 2,043 |
| Net loans and leases to deposits | 75.7460% | 2,679 |
| Net loans and leases to core deposits | 81.0197% | 2,691 |
| Total domestic deposits to total assets | 89.5596% | 1,318 |
| Equity capital to assets | 10.3434% | 3,744 |
| Core capital (leverage) ratio | 10.3434% | 2,978 |
| Tier 1 risk-based capital ratio | 22.8691% | 1,175 |
| Total risk-based capital ratio | 23.4613% | 1,265 |
| Memoranda: | ||
| Average total assets | $68,551,500 | 5,672 |
| Average earning assets | $60,409,000 | 5,734 |
| Average equity | $7,153,500 | 5,702 |
| Average total loans | $47,082,000 | 5,167 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 3,620 |
| Cost of funding earning assets | 1.2351% | 492 |
| Net interest margin | 3.2127% | 5,540 |
| Noninterest income to average assets | 0.1702% | 6,177 |
| Noninterest expense to average assets | 1.7210% | 6,706 |
| Loan and lease loss provision to assets | 0.0553% | 5,104 |
| Net operating income to assets | 0.7679% | 3,429 |
| Return on assets (ROA) | 0.7679% | 3,676 |
| Pretax return on assets | 1.1551% | 2,969 |
| Return on Equity (ROE) | 7.3012% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.3012% | 1,426 |
| Net charge-offs to loans | 0.0032% | 5,942 |
| Credit loss provision to net charge-offs | 2,600.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 569.0000% | 71 |
| Efficiency ratio | 58.7083% | 5,737 |
| Assets per employee ($millions) | 7.5583% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2971% | 6,944 |
| Loan loss allowance to noncurrent loans | 6.5026% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 3.9044% | 1,114 |
| Noncurrent loans to loans | 4.5694% | 927 |
| Net loans and leases to total assets | 69.0599% | 2,018 |
| Net loans and leases to deposits | 77.2410% | 2,624 |
| Net loans and leases to core deposits | 82.7777% | 2,686 |
| Total domestic deposits to total assets | 89.4083% | 1,299 |
| Equity capital to assets | 10.5285% | 3,493 |
| Core capital (leverage) ratio | 10.5285% | 2,728 |
| Tier 1 risk-based capital ratio | 22.5001% | 1,182 |
| Total risk-based capital ratio | 22.9399% | 1,300 |
| Memoranda: | ||
| Average total assets | $47,008,400 | 6,287 |
| Average earning assets | $40,402,400 | 6,351 |
| Average equity | $4,944,400 | 6,304 |
| Average total loans | $31,628,800 | 5,868 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 2,471 |
| Cost of funding earning assets | 1.3745% | 327 |
| Net interest margin | 3.4024% | 5,027 |
| Noninterest income to average assets | 0.0287% | 6,868 |
| Noninterest expense to average assets | 1.8329% | 6,642 |
| Loan and lease loss provision to assets | 0.1150% | 4,130 |
| Net operating income to assets | 0.6195% | 4,301 |
| Return on assets (ROA) | 0.6195% | 4,554 |
| Pretax return on assets | 0.9739% | 3,807 |
| Return on Equity (ROE) | 5.8920% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.8920% | 2,767 |
| Net charge-offs to loans | 0.0192% | 5,401 |
| Credit loss provision to net charge-offs | 900.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 85.3021% | 484 |
| Efficiency ratio | 62.7322% | 5,025 |
| Assets per employee ($millions) | 7.1363% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5123% | 6,945 |
| Loan loss allowance to noncurrent loans | 18.9189% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 2.4849% | 2,132 |
| Noncurrent loans to loans | 2.7077% | 2,090 |
| Net loans and leases to total assets | 66.6752% | 2,527 |
| Net loans and leases to deposits | 74.6770% | 3,190 |
| Net loans and leases to core deposits | 85.4147% | 2,535 |
| Total domestic deposits to total assets | 89.2849% | 1,250 |
| Equity capital to assets | 10.4979% | 3,850 |
| Core capital (leverage) ratio | 10.4979% | 2,913 |
| Tier 1 risk-based capital ratio | 23.6132% | 1,076 |
| Total risk-based capital ratio | 24.3854% | 1,132 |
| Memoranda: | ||
| Average total assets | $41,754,250 | 6,518 |
| Average earning assets | $35,503,500 | 6,599 |
| Average equity | $4,390,000 | 6,541 |
| Average total loans | $27,756,500 | 6,123 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8996% | 2,111 |
| Cost of funding earning assets | 1.3958% | 354 |
| Net interest margin | 3.5038% | 4,650 |
| Noninterest income to average assets | 0.0338% | 6,913 |
| Noninterest expense to average assets | 1.8503% | 6,683 |
| Loan and lease loss provision to assets | 0.1739% | 3,366 |
| Net operating income to assets | 0.6184% | 4,290 |
| Return on assets (ROA) | 0.6184% | 4,537 |
| Pretax return on assets | 0.9807% | 3,784 |
| Return on Equity (ROE) | 5.8783% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.8783% | 2,777 |
| Net charge-offs to loans | 0.1968% | 3,407 |
| Credit loss provision to net charge-offs | 133.3333% | 2,058 |
| Earnings coverage of net charge-offs (x) | 8.8519% | 2,237 |
| Efficiency ratio | 61.5756% | 5,316 |
| Assets per employee ($millions) | 7.1022% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4510% | 7,046 |
| Loan loss allowance to noncurrent loans | 73.8095% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 4,338 |
| Noncurrent loans to loans | 0.6111% | 5,291 |
| Net loans and leases to total assets | 64.2269% | 2,984 |
| Net loans and leases to deposits | 71.8233% | 3,639 |
| Net loans and leases to core deposits | 79.7651% | 3,252 |
| Total domestic deposits to total assets | 89.4234% | 1,256 |
| Equity capital to assets | 10.3935% | 3,820 |
| Core capital (leverage) ratio | 10.3935% | 2,929 |
| Tier 1 risk-based capital ratio | 24.3004% | 980 |
| Total risk-based capital ratio | 24.9808% | 1,034 |
| Memoranda: | ||
| Average total assets | $41,399,670 | 6,575 |
| Average earning assets | $35,104,670 | 6,655 |
| Average equity | $4,355,000 | 6,584 |
| Average total loans | $27,443,330 | 6,181 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 1,924 |
| Cost of funding earning assets | 1.4427% | 362 |
| Net interest margin | 3.5485% | 4,491 |
| Noninterest income to average assets | 0.0490% | 6,934 |
| Noninterest expense to average assets | 2.1866% | 6,075 |
| Loan and lease loss provision to assets | 0.3530% | 1,778 |
| Net operating income to assets | 0.3334% | 5,539 |
| Return on assets (ROA) | 0.3334% | 5,712 |
| Pretax return on assets | 0.5001% | 5,428 |
| Return on Equity (ROE) | 3.1496% | 5,656 |
| Retained earnings to average equity (ytd only) | 3.1496% | 4,675 |
| Net charge-offs to loans | 0.2480% | 2,688 |
| Credit loss provision to net charge-offs | 211.7647% | 1,286 |
| Earnings coverage of net charge-offs (x) | 5.1176% | 2,436 |
| Efficiency ratio | 71.9355% | 3,460 |
| Assets per employee ($millions) | 6.9003% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4886% | 7,073 |
| Loan loss allowance to noncurrent loans | 24.1441% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 1.9854% | 2,919 |
| Noncurrent loans to loans | 2.0238% | 3,119 |
| Net loans and leases to total assets | 65.9123% | 2,482 |
| Net loans and leases to deposits | 73.7880% | 3,142 |
| Net loans and leases to core deposits | 82.8873% | 2,706 |
| Total domestic deposits to total assets | 89.3266% | 1,469 |
| Equity capital to assets | 10.4705% | 3,525 |
| Core capital (leverage) ratio | 10.4705% | 2,784 |
| Tier 1 risk-based capital ratio | 23.4527% | 1,072 |
| Total risk-based capital ratio | 24.1777% | 1,128 |
| Memoranda: | ||
| Average total assets | $40,793,000 | 6,656 |
| Average earning assets | $34,380,500 | 6,728 |
| Average equity | $4,318,000 | 6,631 |
| Average total loans | $27,418,500 | 6,224 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 3,215 |
| Cost of funding earning assets | 1.5802% | 514 |
| Net interest margin | 3.3481% | 5,654 |
| Noninterest income to average assets | 0.0615% | 6,788 |
| Noninterest expense to average assets | 2.0051% | 6,664 |
| Loan and lease loss provision to assets | 0.5513% | 1,893 |
| Net operating income to assets | 0.2205% | 5,525 |
| Return on assets (ROA) | 0.2205% | 5,663 |
| Pretax return on assets | 0.4769% | 5,058 |
| Return on Equity (ROE) | 2.0070% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.0070% | 4,787 |
| Net charge-offs to loans | 0.4039% | 3,399 |
| Credit loss provision to net charge-offs | 199.0741% | 1,265 |
| Earnings coverage of net charge-offs (x) | 3.7130% | 3,414 |
| Efficiency ratio | 66.1031% | 4,751 |
| Assets per employee ($millions) | 6.6973% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4195% | 7,154 |
| Loan loss allowance to noncurrent loans | 18.0534% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 2.2347% | 2,698 |
| Noncurrent loans to loans | 2.3236% | 2,831 |
| Net loans and leases to total assets | 67.9350% | 2,405 |
| Net loans and leases to deposits | 76.2819% | 3,137 |
| Net loans and leases to core deposits | 87.5080% | 2,427 |
| Total domestic deposits to total assets | 89.0578% | 1,500 |
| Equity capital to assets | 10.7033% | 3,300 |
| Core capital (leverage) ratio | 10.7033% | 2,522 |
| Tier 1 risk-based capital ratio | 23.5323% | 1,022 |
| Total risk-based capital ratio | 24.1615% | 1,091 |
| Memoranda: | ||
| Average total assets | $38,999,600 | 6,706 |
| Average earning assets | $34,616,400 | 6,728 |
| Average equity | $4,285,000 | 6,659 |
| Average total loans | $26,736,200 | 6,315 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 3,619 |
| Cost of funding earning assets | 1.5847% | 622 |
| Net interest margin | 3.3033% | 5,851 |
| Noninterest income to average assets | 0.0654% | 6,894 |
| Noninterest expense to average assets | 2.0256% | 6,643 |
| Loan and lease loss provision to assets | 0.2377% | 3,631 |
| Net operating income to assets | 0.4375% | 4,830 |
| Return on assets (ROA) | 0.4375% | 5,022 |
| Pretax return on assets | 0.7751% | 4,217 |
| Return on Equity (ROE) | 3.9554% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.9554% | 3,904 |
| Net charge-offs to loans | 0.1305% | 4,743 |
| Credit loss provision to net charge-offs | 265.3846% | 1,075 |
| Earnings coverage of net charge-offs (x) | 11.3063% | 1,820 |
| Efficiency ratio | 66.6667% | 4,591 |
| Assets per employee ($millions) | 6.4953% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3017% | 7,288 |
| Loan loss allowance to noncurrent loans | 10.9017% | 6,884 |
| Noncurrent assets plus other real estate owned to assets | 2.2144% | 2,880 |
| Noncurrent loans to loans | 2.7673% | 2,518 |
| Net loans and leases to total assets | 68.6852% | 2,336 |
| Net loans and leases to deposits | 77.5210% | 3,082 |
| Net loans and leases to core deposits | 88.0208% | 2,488 |
| Total domestic deposits to total assets | 88.6021% | 1,694 |
| Equity capital to assets | 11.1413% | 3,010 |
| Core capital (leverage) ratio | 11.1413% | 2,287 |
| Tier 1 risk-based capital ratio | 24.6313% | 949 |
| Total risk-based capital ratio | 25.0908% | 1,019 |
| Memoranda: | ||
| Average total assets | $38,703,500 | 6,771 |
| Average earning assets | $34,832,750 | 6,783 |
| Average equity | $4,281,000 | 6,716 |
| Average total loans | $26,566,750 | 6,381 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 3,838 |
| Cost of funding earning assets | 1.5662% | 800 |
| Net interest margin | 3.2901% | 5,884 |
| Noninterest income to average assets | 0.0622% | 6,992 |
| Noninterest expense to average assets | 2.0200% | 6,748 |
| Loan and lease loss provision to assets | 0.1502% | 4,431 |
| Net operating income to assets | 0.5076% | 4,467 |
| Return on assets (ROA) | 0.5076% | 4,610 |
| Pretax return on assets | 0.9168% | 3,556 |
| Return on Equity (ROE) | 4.6002% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.6002% | 3,259 |
| Net charge-offs to loans | 0.1435% | 4,335 |
| Credit loss provision to net charge-offs | 152.6316% | 1,999 |
| Earnings coverage of net charge-offs (x) | 10.8421% | 1,763 |
| Efficiency ratio | 65.4362% | 4,979 |
| Assets per employee ($millions) | 6.4738% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1755% | 7,400 |
| Loan loss allowance to noncurrent loans | 12.9730% | 6,904 |
| Noncurrent assets plus other real estate owned to assets | 0.9526% | 4,953 |
| Noncurrent loans to loans | 1.3532% | 4,390 |
| Net loans and leases to total assets | 70.2701% | 2,166 |
| Net loans and leases to deposits | 79.2561% | 2,931 |
| Net loans and leases to core deposits | 88.3562% | 2,587 |
| Total domestic deposits to total assets | 88.6620% | 1,741 |
| Equity capital to assets | 11.1037% | 2,856 |
| Core capital (leverage) ratio | 11.1037% | 2,169 |
| Tier 1 risk-based capital ratio | 24.6443% | 936 |
| Total risk-based capital ratio | 24.9186% | 1,029 |
| Memoranda: | ||
| Average total assets | $38,614,000 | 6,839 |
| Average earning assets | $35,500,330 | 6,819 |
| Average equity | $4,260,670 | 6,757 |
| Average total loans | $26,472,670 | 6,455 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9335% | 3,394 |
| Cost of funding earning assets | 1.5955% | 834 |
| Net interest margin | 3.3380% | 5,650 |
| Noninterest income to average assets | 0.0623% | 7,086 |
| Noninterest expense to average assets | 2.1507% | 6,530 |
| Loan and lease loss provision to assets | 0.1455% | 4,193 |
| Net operating income to assets | 0.4052% | 4,925 |
| Return on assets (ROA) | 0.4052% | 5,009 |
| Pretax return on assets | 0.8312% | 3,784 |
| Return on Equity (ROE) | 3.6840% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.6840% | 3,966 |
| Net charge-offs to loans | 0.1075% | 3,885 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 13.4286% | 1,437 |
| Efficiency ratio | 68.7708% | 4,515 |
| Assets per employee ($millions) | 6.4553% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1752% | 7,454 |
| Loan loss allowance to noncurrent loans | 11.7801% | 6,984 |
| Noncurrent assets plus other real estate owned to assets | 0.9863% | 4,933 |
| Noncurrent loans to loans | 1.4872% | 4,241 |
| Net loans and leases to total assets | 66.1985% | 2,956 |
| Net loans and leases to deposits | 74.5739% | 3,672 |
| Net loans and leases to core deposits | 83.7224% | 3,200 |
| Total domestic deposits to total assets | 88.7690% | 1,918 |
| Equity capital to assets | 10.9832% | 2,705 |
| Core capital (leverage) ratio | 10.9832% | 2,205 |
| Tier 1 risk-based capital ratio | 24.7254% | 909 |
| Total risk-based capital ratio | 24.9869% | 980 |
| Memoranda: | ||
| Average total assets | $38,499,500 | 6,888 |
| Average earning assets | $35,350,000 | 6,867 |
| Average equity | $4,234,500 | 6,795 |
| Average total loans | $26,037,500 | 6,522 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 4,380 |
| Cost of funding earning assets | 2.0170% | 573 |
| Net interest margin | 3.0198% | 6,698 |
| Noninterest income to average assets | 0.0582% | 7,072 |
| Noninterest expense to average assets | 2.1238% | 6,788 |
| Loan and lease loss provision to assets | 0.0979% | 6,168 |
| Net operating income to assets | 0.3809% | 4,635 |
| Return on assets (ROA) | 0.3809% | 4,779 |
| Pretax return on assets | 0.6004% | 4,326 |
| Return on Equity (ROE) | 3.4933% | 4,760 |
| Retained earnings to average equity (ytd only) | 3.4933% | 3,424 |
| Net charge-offs to loans | 0.4646% | 3,761 |
| Credit loss provision to net charge-offs | 31.0924% | 6,485 |
| Earnings coverage of net charge-offs (x) | 2.2185% | 4,060 |
| Efficiency ratio | 75.2577% | 3,153 |
| Assets per employee ($millions) | 6.3778% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1402% | 7,544 |
| Loan loss allowance to noncurrent loans | 6.2185% | 7,120 |
| Noncurrent assets plus other real estate owned to assets | 1.5549% | 3,977 |
| Noncurrent loans to loans | 2.2546% | 3,265 |
| Net loans and leases to total assets | 68.8661% | 2,778 |
| Net loans and leases to deposits | 77.5659% | 3,582 |
| Net loans and leases to core deposits | 87.8697% | 3,070 |
| Total domestic deposits to total assets | 88.7841% | 1,773 |
| Equity capital to assets | 11.0147% | 2,668 |
| Core capital (leverage) ratio | 11.0147% | 2,153 |
| Tier 1 risk-based capital ratio | 24.1630% | 920 |
| Total risk-based capital ratio | 24.3751% | 1,004 |
| Memoranda: | ||
| Average total assets | $37,809,800 | 6,944 |
| Average earning assets | $34,605,000 | 6,930 |
| Average equity | $4,122,200 | 6,949 |
| Average total loans | $25,611,400 | 6,630 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 4,766 |
| Cost of funding earning assets | 2.0683% | 595 |
| Net interest margin | 2.9420% | 6,941 |
| Noninterest income to average assets | 0.0566% | 7,244 |
| Noninterest expense to average assets | 2.1965% | 6,611 |
| Loan and lease loss provision to assets | 0.0778% | 6,268 |
| Net operating income to assets | 0.3148% | 5,110 |
| Return on assets (ROA) | 0.3148% | 5,283 |
| Pretax return on assets | 0.4740% | 5,010 |
| Return on Equity (ROE) | 2.8949% | 5,267 |
| Retained earnings to average equity (ytd only) | 2.8949% | 4,398 |
| Net charge-offs to loans | 0.5455% | 3,117 |
| Credit loss provision to net charge-offs | 21.1538% | 6,235 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 4,606 |
| Efficiency ratio | 79.9228% | 2,350 |
| Assets per employee ($millions) | 6.3372% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1470% | 7,657 |
| Loan loss allowance to noncurrent loans | 5.3672% | 7,232 |
| Noncurrent assets plus other real estate owned to assets | 1.8620% | 3,663 |
| Noncurrent loans to loans | 2.7389% | 2,900 |
| Net loans and leases to total assets | 67.8852% | 3,248 |
| Net loans and leases to deposits | 76.4098% | 4,100 |
| Net loans and leases to core deposits | 86.3076% | 3,605 |
| Total domestic deposits to total assets | 88.8436% | 1,483 |
| Equity capital to assets | 10.9407% | 3,015 |
| Core capital (leverage) ratio | 10.9407% | 2,304 |
| Tier 1 risk-based capital ratio | 24.0407% | 940 |
| Total risk-based capital ratio | 24.2603% | 1,039 |
| Memoranda: | ||
| Average total assets | $37,695,500 | 7,029 |
| Average earning assets | $34,488,250 | 7,013 |
| Average equity | $4,099,000 | 7,053 |
| Average total loans | $25,416,750 | 6,730 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 4,696 |
| Cost of funding earning assets | 2.1175% | 619 |
| Net interest margin | 2.9341% | 6,962 |
| Noninterest income to average assets | 0.0479% | 7,341 |
| Noninterest expense to average assets | 2.3360% | 6,256 |
| Loan and lease loss provision to assets | 0.0692% | 6,263 |
| Net operating income to assets | 0.2182% | 5,498 |
| Return on assets (ROA) | 0.2182% | 5,630 |
| Pretax return on assets | 0.3193% | 5,452 |
| Return on Equity (ROE) | 2.0105% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.0105% | 4,854 |
| Net charge-offs to loans | 0.7835% | 2,288 |
| Credit loss provision to net charge-offs | 13.1313% | 5,910 |
| Earnings coverage of net charge-offs (x) | 0.7374% | 5,013 |
| Efficiency ratio | 85.7422% | 1,746 |
| Assets per employee ($millions) | 6.3092% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1338% | 7,730 |
| Loan loss allowance to noncurrent loans | 30.3571% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 6,669 |
| Noncurrent loans to loans | 0.4406% | 6,362 |
| Net loans and leases to total assets | 67.0612% | 3,607 |
| Net loans and leases to deposits | 75.3898% | 4,443 |
| Net loans and leases to core deposits | 85.1108% | 3,974 |
| Total domestic deposits to total assets | 88.9526% | 1,467 |
| Equity capital to assets | 10.8625% | 3,008 |
| Core capital (leverage) ratio | 10.8625% | 2,355 |
| Tier 1 risk-based capital ratio | 24.6360% | 878 |
| Total risk-based capital ratio | 24.8397% | 969 |
| Memoranda: | ||
| Average total assets | $37,586,330 | 7,087 |
| Average earning assets | $34,286,000 | 7,072 |
| Average equity | $4,078,670 | 7,095 |
| Average total loans | $25,272,330 | 6,785 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1428% | 4,333 |
| Cost of funding earning assets | 2.2552% | 492 |
| Net interest margin | 2.8876% | 7,037 |
| Noninterest income to average assets | 0.0534% | 7,449 |
| Noninterest expense to average assets | 2.7769% | 4,579 |
| Loan and lease loss provision to assets | 0.0641% | 5,999 |
| Net operating income to assets | -0.2136% | 6,558 |
| Return on assets (ROA) | -0.2136% | 6,627 |
| Pretax return on assets | -0.2029% | 6,560 |
| Return on Equity (ROE) | -1.9695% | 6,634 |
| Retained earnings to average equity (ytd only) | -1.9695% | 6,209 |
| Net charge-offs to loans | 1.2064% | 1,410 |
| Credit loss provision to net charge-offs | 7.8947% | 5,071 |
| Earnings coverage of net charge-offs (x) | -0.1711% | 5,149 |
| Efficiency ratio | 105.2632% | 692 |
| Assets per employee ($millions) | 6.1478% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1462% | 7,827 |
| Loan loss allowance to noncurrent loans | 12.6712% | 7,273 |
| Noncurrent assets plus other real estate owned to assets | 1.2498% | 4,681 |
| Noncurrent loans to loans | 1.1541% | 5,057 |
| Net loans and leases to total assets | 68.4930% | 3,278 |
| Net loans and leases to deposits | 77.0933% | 4,205 |
| Net loans and leases to core deposits | 85.8507% | 3,923 |
| Total domestic deposits to total assets | 88.8443% | 1,599 |
| Equity capital to assets | 10.9849% | 2,778 |
| Core capital (leverage) ratio | 10.9849% | 2,240 |
| Tier 1 risk-based capital ratio | 24.7164% | 894 |
| Total risk-based capital ratio | 24.9421% | 971 |
| Memoranda: | ||
| Average total assets | $37,452,000 | 7,184 |
| Average earning assets | $33,522,500 | 7,182 |
| Average equity | $4,062,000 | 7,161 |
| Average total loans | $25,198,500 | 6,869 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6065% | 3,569 |
| Cost of funding earning assets | 2.8182% | 425 |
| Net interest margin | 2.7883% | 7,080 |
| Noninterest income to average assets | 0.0585% | 7,463 |
| Noninterest expense to average assets | 2.0577% | 7,269 |
| Loan and lease loss provision to assets | 0.0176% | 7,327 |
| Net operating income to assets | 0.2927% | 4,562 |
| Return on assets (ROA) | 0.2927% | 4,647 |
| Pretax return on assets | 0.4361% | 4,387 |
| Return on Equity (ROE) | 2.4863% | 4,716 |
| Retained earnings to average equity (ytd only) | 2.4863% | 3,401 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9347% | 2,606 |
| Assets per employee ($millions) | 5.4310% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4264% | 7,737 |
| Loan loss allowance to noncurrent loans | 31.2865% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 1.3310% | 4,434 |
| Noncurrent loans to loans | 1.3628% | 4,644 |
| Net loans and leases to total assets | 65.7285% | 4,228 |
| Net loans and leases to deposits | 73.7653% | 5,082 |
| Net loans and leases to core deposits | 102.8228% | 3,710 |
| Total domestic deposits to total assets | 89.1049% | 1,434 |
| Equity capital to assets | 10.7110% | 2,957 |
| Core capital (leverage) ratio | 10.7110% | 2,420 |
| Tier 1 risk-based capital ratio | 24.0818% | 938 |
| Total risk-based capital ratio | 24.7146% | 973 |
| Memoranda: | ||
| Average total assets | $34,164,000 | 7,319 |
| Average earning assets | $30,054,600 | 7,352 |
| Average equity | $4,022,000 | 7,285 |
| Average total loans | $23,362,400 | 7,006 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6852% | 3,410 |
| Cost of funding earning assets | 2.9064% | 445 |
| Net interest margin | 2.7788% | 7,091 |
| Noninterest income to average assets | 0.0723% | 7,553 |
| Noninterest expense to average assets | 2.0722% | 7,236 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3012% | 4,788 |
| Return on assets (ROA) | 0.3012% | 4,891 |
| Pretax return on assets | 0.4498% | 4,665 |
| Return on Equity (ROE) | 2.4941% | 4,994 |
| Retained earnings to average equity (ytd only) | 2.4941% | 3,929 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1656% | 2,559 |
| Assets per employee ($millions) | 5.0451% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3976% | 7,821 |
| Loan loss allowance to noncurrent loans | 22.7991% | 6,927 |
| Noncurrent assets plus other real estate owned to assets | 1.7046% | 3,822 |
| Noncurrent loans to loans | 1.7438% | 4,012 |
| Net loans and leases to total assets | 71.6502% | 3,120 |
| Net loans and leases to deposits | 81.0532% | 4,188 |
| Net loans and leases to core deposits | 107.3113% | 3,560 |
| Total domestic deposits to total assets | 88.3990% | 1,475 |
| Equity capital to assets | 11.4594% | 2,629 |
| Core capital (leverage) ratio | 11.4594% | 2,094 |
| Tier 1 risk-based capital ratio | 25.0062% | 900 |
| Total risk-based capital ratio | 25.6303% | 945 |
| Memoranda: | ||
| Average total assets | $33,200,750 | 7,418 |
| Average earning assets | $29,268,500 | 7,450 |
| Average equity | $4,009,500 | 7,352 |
| Average total loans | $22,929,250 | 7,093 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7395% | 3,344 |
| Cost of funding earning assets | 2.9639% | 515 |
| Net interest margin | 2.7756% | 7,062 |
| Noninterest income to average assets | 0.0739% | 7,612 |
| Noninterest expense to average assets | 2.1603% | 7,153 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2523% | 5,077 |
| Return on assets (ROA) | 0.2523% | 5,171 |
| Pretax return on assets | 0.3631% | 5,037 |
| Return on Equity (ROE) | 2.0515% | 5,282 |
| Retained earnings to average equity (ytd only) | 2.0515% | 4,203 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6098% | 2,268 |
| Assets per employee ($millions) | 4.8867% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4500% | 7,840 |
| Loan loss allowance to noncurrent loans | 26.3708% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 1.1197% | 4,713 |
| Noncurrent loans to loans | 1.7064% | 3,950 |
| Net loans and leases to total assets | 65.3200% | 4,700 |
| Net loans and leases to deposits | 74.1956% | 5,424 |
| Net loans and leases to core deposits | 95.6753% | 4,937 |
| Total domestic deposits to total assets | 88.0375% | 1,749 |
| Equity capital to assets | 11.7315% | 2,363 |
| Core capital (leverage) ratio | 11.7315% | 1,963 |
| Tier 1 risk-based capital ratio | 27.0746% | 774 |
| Total risk-based capital ratio | 27.7560% | 794 |
| Memoranda: | ||
| Average total assets | $32,495,670 | 7,509 |
| Average earning assets | $28,678,330 | 7,541 |
| Average equity | $3,997,000 | 7,418 |
| Average total loans | $22,104,000 | 7,206 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9187% | 2,707 |
| Cost of funding earning assets | 3.0090% | 588 |
| Net interest margin | 2.9097% | 6,724 |
| Noninterest income to average assets | 0.0759% | 7,673 |
| Noninterest expense to average assets | 2.0986% | 7,117 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3666% | 4,988 |
| Return on assets (ROA) | 0.3666% | 5,170 |
| Pretax return on assets | 0.5689% | 4,850 |
| Return on Equity (ROE) | 2.9080% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.9080% | 4,248 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6730% | 3,054 |
| Assets per employee ($millions) | 4.6769% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4554% | 7,888 |
| Loan loss allowance to noncurrent loans | 64.3312% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 6,051 |
| Noncurrent loans to loans | 0.7080% | 5,641 |
| Net loans and leases to total assets | 67.4293% | 4,263 |
| Net loans and leases to deposits | 76.9969% | 5,087 |
| Net loans and leases to core deposits | 98.5359% | 4,690 |
| Total domestic deposits to total assets | 87.5741% | 1,933 |
| Equity capital to assets | 12.2213% | 2,125 |
| Core capital (leverage) ratio | 12.2213% | 1,803 |
| Tier 1 risk-based capital ratio | 27.7905% | 770 |
| Total risk-based capital ratio | 28.4920% | 779 |
| Memoranda: | ||
| Average total assets | $31,640,000 | 7,585 |
| Average earning assets | $28,182,000 | 7,604 |
| Average equity | $3,989,000 | 7,462 |
| Average total loans | $21,933,500 | 7,250 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7629% | 6,546 |
| Cost of funding earning assets | 3.1555% | 1,335 |
| Net interest margin | 2.6074% | 7,637 |
| Noninterest income to average assets | 0.0727% | 7,779 |
| Noninterest expense to average assets | 2.1870% | 6,995 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2610% | 5,679 |
| Return on assets (ROA) | 0.2610% | 5,493 |
| Pretax return on assets | 0.3535% | 5,383 |
| Return on Equity (ROE) | 2.0126% | 5,618 |
| Retained earnings to average equity (ytd only) | 2.0126% | 3,981 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0858% | 1,845 |
| Assets per employee ($millions) | 4.3631% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4656% | 7,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 70.6895% | 3,857 |
| Net loans and leases to deposits | 81.4133% | 4,807 |
| Net loans and leases to core deposits | 102.5215% | 4,548 |
| Total domestic deposits to total assets | 86.8280% | 2,019 |
| Equity capital to assets | 13.0214% | 1,775 |
| Core capital (leverage) ratio | 13.0214% | 1,533 |
| Tier 1 risk-based capital ratio | 28.8670% | 704 |
| Total risk-based capital ratio | 29.6001% | 725 |
| Memoranda: | ||
| Average total assets | $30,269,200 | 7,635 |
| Average earning assets | $28,648,800 | 7,581 |
| Average equity | $3,925,200 | 7,542 |
| Average total loans | $21,924,200 | 7,196 |