Home > Meetinghouse Bank > Performance and Condition Ratios
Meetinghouse Bank, Performance and Condition Ratios
| 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 | 3.5896% | 4,590 |
| Cost of funding earning assets | 0.7899% | 610 |
| Net interest margin | 2.7997% | 5,218 |
| Noninterest income to average assets | 1.1474% | 769 |
| Noninterest expense to average assets | 3.9226% | 575 |
| Loan and lease loss provision to assets | -0.0125% | 5,462 |
| Net operating income to assets | -0.0512% | 5,534 |
| Return on assets (ROA) | -0.0512% | 5,541 |
| Pretax return on assets | -0.0956% | 5,541 |
| Return on Equity (ROE) | -0.6207% | 5,543 |
| Retained earnings to average equity (ytd only) | -0.6207% | 5,308 |
| Net charge-offs to loans | 0.0050% | 3,554 |
| Credit loss provision to net charge-offs | -366.6667% | 4,740 |
| Earnings coverage of net charge-offs (x) | -31.6650% | 3,782 |
| Efficiency ratio | 102.8350% | 149 |
| Assets per employee ($millions) | 3.2601% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6250% | 5,284 |
| Loan loss allowance to noncurrent loans | 87.8403% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 3,122 |
| Noncurrent loans to loans | 0.7116% | 2,576 |
| Net loans and leases to total assets | 67.4385% | 2,933 |
| Net loans and leases to deposits | 80.8205% | 2,893 |
| Net loans and leases to core deposits | 100.7872% | 1,639 |
| Total domestic deposits to total assets | 83.4423% | 3,312 |
| Equity capital to assets | 8.5466% | 5,260 |
| Core capital (leverage) ratio | 8.5020% | 5,246 |
| Tier 1 risk-based capital ratio | 16.1657% | 2,431 |
| Total risk-based capital ratio | 16.9708% | 2,558 |
| Memoranda: | ||
| Average total assets | $117,131,250 | 3,978 |
| Average earning assets | $111,578,750 | 3,925 |
| Average equity | $9,665,750 | 4,545 |
| Average total loans | $80,179,500 | 3,775 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5559% | 4,618 |
| Cost of funding earning assets | 0.8090% | 505 |
| Net interest margin | 2.7469% | 5,311 |
| Noninterest income to average assets | 1.1021% | 826 |
| Noninterest expense to average assets | 3.8124% | 657 |
| Loan and lease loss provision to assets | -0.0051% | 5,528 |
| Net operating income to assets | -0.0474% | 5,572 |
| Return on assets (ROA) | -0.0474% | 5,573 |
| Pretax return on assets | -0.0897% | 5,578 |
| Return on Equity (ROE) | -0.5811% | 5,576 |
| Retained earnings to average equity (ytd only) | -0.5811% | 5,168 |
| Net charge-offs to loans | 0.0074% | 3,189 |
| Credit loss provision to net charge-offs | -100.0000% | 4,346 |
| Earnings coverage of net charge-offs (x) | -18.6667% | 3,491 |
| Efficiency ratio | 102.5501% | 164 |
| Assets per employee ($millions) | 4.8734% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6131% | 5,355 |
| Loan loss allowance to noncurrent loans | 125.8312% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 3,785 |
| Noncurrent loans to loans | 0.4872% | 3,289 |
| Net loans and leases to total assets | 68.1937% | 2,784 |
| Net loans and leases to deposits | 81.4534% | 2,749 |
| Net loans and leases to core deposits | 101.2375% | 1,569 |
| Total domestic deposits to total assets | 83.7211% | 3,314 |
| Equity capital to assets | 8.3267% | 5,396 |
| Core capital (leverage) ratio | 8.2382% | 5,404 |
| Tier 1 risk-based capital ratio | 15.3811% | 2,762 |
| Total risk-based capital ratio | 16.1631% | 2,897 |
| Memoranda: | ||
| Average total assets | $118,140,330 | 3,988 |
| Average earning assets | $112,490,330 | 3,933 |
| Average equity | $9,637,000 | 4,572 |
| Average total loans | $81,094,670 | 3,765 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5106% | 4,662 |
| Cost of funding earning assets | 0.8131% | 451 |
| Net interest margin | 2.6974% | 5,396 |
| Noninterest income to average assets | 1.1724% | 741 |
| Noninterest expense to average assets | 3.8710% | 624 |
| Loan and lease loss provision to assets | -0.0404% | 5,703 |
| Net operating income to assets | -0.0472% | 5,629 |
| Return on assets (ROA) | -0.0472% | 5,634 |
| Pretax return on assets | -0.0876% | 5,638 |
| Return on Equity (ROE) | -0.5842% | 5,643 |
| Retained earnings to average equity (ytd only) | -0.5842% | 5,012 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4203% | 182 |
| Assets per employee ($millions) | 4.5224% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6111% | 5,458 |
| Loan loss allowance to noncurrent loans | 118.2482% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 3,806 |
| Noncurrent loans to loans | 0.5168% | 3,267 |
| Net loans and leases to total assets | 67.2237% | 2,785 |
| Net loans and leases to deposits | 80.1255% | 2,738 |
| Net loans and leases to core deposits | 99.0154% | 1,580 |
| Total domestic deposits to total assets | 83.8980% | 3,517 |
| Equity capital to assets | 8.1645% | 5,438 |
| Core capital (leverage) ratio | 8.2374% | 5,412 |
| Tier 1 risk-based capital ratio | 15.8527% | 2,609 |
| Total risk-based capital ratio | 16.6511% | 2,729 |
| Memoranda: | ||
| Average total assets | $118,730,000 | 4,018 |
| Average earning assets | $113,144,000 | 3,963 |
| Average equity | $9,586,000 | 4,606 |
| Average total loans | $81,516,000 | 3,782 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6336% | 4,425 |
| Cost of funding earning assets | 0.8385% | 414 |
| Net interest margin | 2.7951% | 5,295 |
| Noninterest income to average assets | 1.8587% | 377 |
| Noninterest expense to average assets | 4.2373% | 469 |
| Loan and lease loss provision to assets | -0.0494% | 5,590 |
| Net operating income to assets | 0.1598% | 5,477 |
| Return on assets (ROA) | 0.1598% | 5,517 |
| Pretax return on assets | 0.3073% | 5,355 |
| Return on Equity (ROE) | 2.0138% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.0138% | 4,394 |
| Net charge-offs to loans | 0.0079% | 3,993 |
| Credit loss provision to net charge-offs | -857.1429% | 5,274 |
| Earnings coverage of net charge-offs (x) | 44.7143% | 1,088 |
| Efficiency ratio | 94.2632% | 371 |
| Assets per employee ($millions) | 3.9959% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5964% | 5,541 |
| Loan loss allowance to noncurrent loans | 91.3761% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 3,444 |
| Noncurrent loans to loans | 0.6527% | 2,901 |
| Net loans and leases to total assets | 69.2412% | 2,592 |
| Net loans and leases to deposits | 82.3667% | 2,624 |
| Net loans and leases to core deposits | 99.9302% | 1,627 |
| Total domestic deposits to total assets | 84.0646% | 3,402 |
| Equity capital to assets | 7.9848% | 5,572 |
| Core capital (leverage) ratio | 8.1020% | 5,561 |
| Tier 1 risk-based capital ratio | 14.8880% | 3,015 |
| Total risk-based capital ratio | 15.6585% | 3,167 |
| Memoranda: | ||
| Average total assets | $121,374,400 | 3,969 |
| Average earning assets | $114,485,600 | 3,917 |
| Average equity | $9,633,400 | 4,644 |
| Average total loans | $88,489,600 | 3,606 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6860% | 4,298 |
| Cost of funding earning assets | 0.8350% | 417 |
| Net interest margin | 2.8510% | 5,266 |
| Noninterest income to average assets | 1.8825% | 379 |
| Noninterest expense to average assets | 4.1910% | 486 |
| Loan and lease loss provision to assets | -0.0537% | 5,725 |
| Net operating income to assets | 0.2617% | 5,367 |
| Return on assets (ROA) | 0.2617% | 5,439 |
| Pretax return on assets | 0.4260% | 5,263 |
| Return on Equity (ROE) | 3.3026% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.3026% | 3,923 |
| Net charge-offs to loans | 0.0104% | 3,565 |
| Credit loss provision to net charge-offs | -700.0000% | 5,141 |
| Earnings coverage of net charge-offs (x) | 48.5874% | 1,095 |
| Efficiency ratio | 91.8407% | 472 |
| Assets per employee ($millions) | 3.9960% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5654% | 5,651 |
| Loan loss allowance to noncurrent loans | 133.2461% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 4,133 |
| Noncurrent loans to loans | 0.4243% | 3,761 |
| Net loans and leases to total assets | 74.6695% | 1,763 |
| Net loans and leases to deposits | 89.4647% | 1,826 |
| Net loans and leases to core deposits | 108.1937% | 1,035 |
| Total domestic deposits to total assets | 83.4625% | 3,414 |
| Equity capital to assets | 8.2250% | 5,660 |
| Core capital (leverage) ratio | 7.9315% | 5,713 |
| Tier 1 risk-based capital ratio | 13.6830% | 3,757 |
| Total risk-based capital ratio | 14.4066% | 3,970 |
| Memoranda: | ||
| Average total assets | $121,748,500 | 3,986 |
| Average earning assets | $114,482,750 | 3,941 |
| Average equity | $9,648,750 | 4,688 |
| Average total loans | $89,736,250 | 3,601 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 4,113 |
| Cost of funding earning assets | 0.8287% | 418 |
| Net interest margin | 2.9257% | 5,219 |
| Noninterest income to average assets | 1.9367% | 350 |
| Noninterest expense to average assets | 4.1268% | 523 |
| Loan and lease loss provision to assets | -0.0605% | 5,838 |
| Net operating income to assets | 0.3726% | 5,118 |
| Return on assets (ROA) | 0.3726% | 5,205 |
| Pretax return on assets | 0.6113% | 4,855 |
| Return on Equity (ROE) | 4.7607% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.7607% | 2,892 |
| Net charge-offs to loans | 0.0156% | 3,211 |
| Credit loss provision to net charge-offs | -528.5714% | 4,950 |
| Earnings coverage of net charge-offs (x) | 48.1429% | 1,016 |
| Efficiency ratio | 88.2250% | 708 |
| Assets per employee ($millions) | 3.7846% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6040% | 5,676 |
| Loan loss allowance to noncurrent loans | 135.6771% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 2,864 |
| Noncurrent loans to loans | 0.4452% | 3,771 |
| Net loans and leases to total assets | 70.7895% | 2,354 |
| Net loans and leases to deposits | 84.7479% | 2,376 |
| Net loans and leases to core deposits | 102.5061% | 1,434 |
| Total domestic deposits to total assets | 83.5294% | 3,453 |
| Equity capital to assets | 8.1127% | 5,767 |
| Core capital (leverage) ratio | 7.8390% | 5,808 |
| Tier 1 risk-based capital ratio | 14.4546% | 3,345 |
| Total risk-based capital ratio | 15.2413% | 3,528 |
| Memoranda: | ||
| Average total assets | $122,371,670 | 4,002 |
| Average earning assets | $114,641,000 | 3,967 |
| Average equity | $9,578,330 | 4,725 |
| Average total loans | $89,641,000 | 3,623 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7657% | 4,078 |
| Cost of funding earning assets | 0.8214% | 437 |
| Net interest margin | 2.9444% | 5,234 |
| Noninterest income to average assets | 1.4764% | 514 |
| Noninterest expense to average assets | 4.0291% | 581 |
| Loan and lease loss provision to assets | -0.0846% | 5,975 |
| Net operating income to assets | 0.1756% | 5,576 |
| Return on assets (ROA) | 0.1756% | 5,630 |
| Pretax return on assets | 0.2829% | 5,541 |
| Return on Equity (ROE) | 2.2845% | 5,439 |
| Retained earnings to average equity (ytd only) | 2.2845% | 4,345 |
| Net charge-offs to loans | 0.0307% | 2,338 |
| Credit loss provision to net charge-offs | -371.4286% | 4,470 |
| Earnings coverage of net charge-offs (x) | 8.7143% | 2,031 |
| Efficiency ratio | 95.3077% | 414 |
| Assets per employee ($millions) | 3.6351% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5941% | 5,754 |
| Loan loss allowance to noncurrent loans | 133.0000% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 2,949 |
| Noncurrent loans to loans | 0.4467% | 3,838 |
| Net loans and leases to total assets | 72.0241% | 2,035 |
| Net loans and leases to deposits | 85.5734% | 2,110 |
| Net loans and leases to core deposits | 101.6780% | 1,363 |
| Total domestic deposits to total assets | 84.1665% | 3,455 |
| Equity capital to assets | 7.7238% | 5,905 |
| Core capital (leverage) ratio | 7.5899% | 5,908 |
| Tier 1 risk-based capital ratio | 13.3817% | 4,052 |
| Total risk-based capital ratio | 14.1423% | 4,247 |
| Memoranda: | ||
| Average total assets | $123,004,000 | 4,028 |
| Average earning assets | $114,931,000 | 3,990 |
| Average equity | $9,455,000 | 4,770 |
| Average total loans | $91,335,500 | 3,589 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 3,783 |
| Cost of funding earning assets | 0.7898% | 518 |
| Net interest margin | 3.0882% | 4,930 |
| Noninterest income to average assets | 1.7360% | 439 |
| Noninterest expense to average assets | 4.0485% | 624 |
| Loan and lease loss provision to assets | 0.0350% | 3,645 |
| Net operating income to assets | 0.3035% | 5,352 |
| Return on assets (ROA) | 0.3035% | 5,431 |
| Pretax return on assets | 0.5099% | 5,086 |
| Return on Equity (ROE) | 3.9637% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.9637% | 3,213 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1381% | 825 |
| Assets per employee ($millions) | 3.9489% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6067% | 5,791 |
| Loan loss allowance to noncurrent loans | 105.2142% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 2,602 |
| Noncurrent loans to loans | 0.5767% | 3,444 |
| Net loans and leases to total assets | 75.6094% | 1,476 |
| Net loans and leases to deposits | 89.8770% | 1,628 |
| Net loans and leases to core deposits | 109.7049% | 867 |
| Total domestic deposits to total assets | 84.1254% | 3,441 |
| Equity capital to assets | 7.6493% | 5,956 |
| Core capital (leverage) ratio | 7.6776% | 5,944 |
| Tier 1 risk-based capital ratio | 12.5750% | 4,580 |
| Total risk-based capital ratio | 13.3420% | 4,797 |
| Memoranda: | ||
| Average total assets | $117,279,400 | 4,111 |
| Average earning assets | $108,510,200 | 4,090 |
| Average equity | $8,981,400 | 4,855 |
| Average total loans | $89,771,200 | 3,593 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8688% | 3,856 |
| Cost of funding earning assets | 0.7815% | 554 |
| Net interest margin | 3.0873% | 4,993 |
| Noninterest income to average assets | 1.8196% | 410 |
| Noninterest expense to average assets | 4.0679% | 616 |
| Loan and lease loss provision to assets | 0.0552% | 3,095 |
| Net operating income to assets | 0.3230% | 5,391 |
| Return on assets (ROA) | 0.3230% | 5,472 |
| Pretax return on assets | 0.5483% | 5,102 |
| Return on Equity (ROE) | 4.2164% | 4,950 |
| Retained earnings to average equity (ytd only) | 4.2164% | 3,466 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0817% | 930 |
| Assets per employee ($millions) | 3.9972% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6176% | 5,866 |
| Loan loss allowance to noncurrent loans | 103.4358% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.8581% | 2,735 |
| Noncurrent loans to loans | 0.5971% | 3,535 |
| Net loans and leases to total assets | 76.7569% | 1,281 |
| Net loans and leases to deposits | 92.1093% | 1,393 |
| Net loans and leases to core deposits | 114.9044% | 635 |
| Total domestic deposits to total assets | 83.3324% | 3,685 |
| Equity capital to assets | 7.7972% | 6,021 |
| Core capital (leverage) ratio | 7.7775% | 5,988 |
| Tier 1 risk-based capital ratio | 13.3792% | 4,206 |
| Total risk-based capital ratio | 14.2155% | 4,369 |
| Memoranda: | ||
| Average total assets | $115,995,250 | 4,178 |
| Average earning assets | $107,145,000 | 4,159 |
| Average equity | $8,885,750 | 4,939 |
| Average total loans | $88,933,250 | 3,643 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 3,964 |
| Cost of funding earning assets | 0.7749% | 566 |
| Net interest margin | 3.0521% | 5,088 |
| Noninterest income to average assets | 1.7561% | 444 |
| Noninterest expense to average assets | 4.0649% | 630 |
| Loan and lease loss provision to assets | 0.0453% | 3,208 |
| Net operating income to assets | 0.2616% | 5,546 |
| Return on assets (ROA) | 0.2616% | 5,631 |
| Pretax return on assets | 0.4551% | 5,342 |
| Return on Equity (ROE) | 3.4360% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.4360% | 3,859 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0374% | 820 |
| Assets per employee ($millions) | 3.8828% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6116% | 5,955 |
| Loan loss allowance to noncurrent loans | 156.6952% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 3,260 |
| Noncurrent loans to loans | 0.3903% | 4,310 |
| Net loans and leases to total assets | 76.7339% | 1,267 |
| Net loans and leases to deposits | 92.0761% | 1,366 |
| Net loans and leases to core deposits | 112.9787% | 710 |
| Total domestic deposits to total assets | 83.3375% | 3,818 |
| Equity capital to assets | 7.7797% | 6,049 |
| Core capital (leverage) ratio | 7.8932% | 5,979 |
| Tier 1 risk-based capital ratio | 12.1473% | 5,042 |
| Total risk-based capital ratio | 12.8912% | 5,297 |
| Memoranda: | ||
| Average total assets | $114,688,670 | 4,238 |
| Average earning assets | $105,565,330 | 4,229 |
| Average equity | $8,731,000 | 5,001 |
| Average total loans | $87,706,000 | 3,698 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8416% | 3,854 |
| Cost of funding earning assets | 0.7691% | 591 |
| Net interest margin | 3.0725% | 5,023 |
| Noninterest income to average assets | 1.6240% | 473 |
| Noninterest expense to average assets | 3.8105% | 867 |
| Loan and lease loss provision to assets | -0.0105% | 6,103 |
| Net operating income to assets | 0.3937% | 5,090 |
| Return on assets (ROA) | 0.3937% | 5,206 |
| Pretax return on assets | 0.6468% | 4,774 |
| Return on Equity (ROE) | 5.2303% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.2303% | 2,934 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6917% | 1,210 |
| Assets per employee ($millions) | 3.8066% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6010% | 6,063 |
| Loan loss allowance to noncurrent loans | 147.1751% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 3,306 |
| Noncurrent loans to loans | 0.4084% | 4,365 |
| Net loans and leases to total assets | 75.4494% | 1,283 |
| Net loans and leases to deposits | 92.3355% | 1,148 |
| Net loans and leases to core deposits | 112.3952% | 632 |
| Total domestic deposits to total assets | 81.7123% | 4,602 |
| Equity capital to assets | 8.0379% | 6,015 |
| Core capital (leverage) ratio | 7.8552% | 6,011 |
| Tier 1 risk-based capital ratio | 13.7504% | 4,187 |
| Total risk-based capital ratio | 14.5541% | 4,345 |
| Memoranda: | ||
| Average total assets | $113,791,500 | 4,291 |
| Average earning assets | $104,540,500 | 4,290 |
| Average equity | $8,565,500 | 5,084 |
| Average total loans | $86,593,000 | 3,739 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 3,878 |
| Cost of funding earning assets | 0.7661% | 776 |
| Net interest margin | 3.1930% | 4,948 |
| Noninterest income to average assets | 1.3478% | 673 |
| Noninterest expense to average assets | 4.0566% | 708 |
| Loan and lease loss provision to assets | 0.1002% | 2,486 |
| Net operating income to assets | 0.0603% | 6,010 |
| Return on assets (ROA) | 0.0603% | 6,034 |
| Pretax return on assets | 0.1145% | 5,975 |
| Return on Equity (ROE) | 0.7637% | 5,993 |
| Retained earnings to average equity (ytd only) | 0.7637% | 5,424 |
| Net charge-offs to loans | -0.0027% | 5,400 |
| Credit loss provision to net charge-offs | -4,900.0000% | 6,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9725% | 550 |
| Assets per employee ($millions) | 3.6576% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6058% | 6,135 |
| Loan loss allowance to noncurrent loans | 251.9231% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 3,766 |
| Noncurrent loans to loans | 0.2405% | 4,970 |
| Net loans and leases to total assets | 75.8295% | 1,294 |
| Net loans and leases to deposits | 97.4068% | 799 |
| Net loans and leases to core deposits | 118.2880% | 454 |
| Total domestic deposits to total assets | 77.8482% | 5,465 |
| Equity capital to assets | 7.0132% | 6,325 |
| Core capital (leverage) ratio | 7.8685% | 6,067 |
| Tier 1 risk-based capital ratio | 12.3475% | 5,129 |
| Total risk-based capital ratio | 13.1829% | 5,313 |
| Memoranda: | ||
| Average total assets | $97,791,200 | 4,653 |
| Average earning assets | $89,539,800 | 4,666 |
| Average equity | $7,725,600 | 5,262 |
| Average total loans | $74,750,400 | 4,031 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9666% | 3,899 |
| Cost of funding earning assets | 0.7614% | 842 |
| Net interest margin | 3.2052% | 4,950 |
| Noninterest income to average assets | 1.3235% | 694 |
| Noninterest expense to average assets | 4.1223% | 667 |
| Loan and lease loss provision to assets | 0.1122% | 2,175 |
| Net operating income to assets | 0.0057% | 6,135 |
| Return on assets (ROA) | 0.0057% | 6,152 |
| Pretax return on assets | 0.0241% | 6,130 |
| Return on Equity (ROE) | 0.0695% | 6,148 |
| Retained earnings to average equity (ytd only) | 0.0695% | 5,774 |
| Net charge-offs to loans | -0.0037% | 5,255 |
| Credit loss provision to net charge-offs | -3,950.0000% | 6,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7989% | 475 |
| Assets per employee ($millions) | 3.4779% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6293% | 6,188 |
| Loan loss allowance to noncurrent loans | 239.3365% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 3,904 |
| Noncurrent loans to loans | 0.2629% | 5,119 |
| Net loans and leases to total assets | 73.9640% | 1,529 |
| Net loans and leases to deposits | 90.4087% | 1,383 |
| Net loans and leases to core deposits | 109.2637% | 778 |
| Total domestic deposits to total assets | 81.8107% | 4,546 |
| Equity capital to assets | 7.2002% | 6,354 |
| Core capital (leverage) ratio | 8.0995% | 6,007 |
| Tier 1 risk-based capital ratio | 12.5161% | 5,160 |
| Total risk-based capital ratio | 13.3405% | 5,349 |
| Memoranda: | ||
| Average total assets | $93,892,500 | 4,805 |
| Average earning assets | $85,983,500 | 4,789 |
| Average equity | $7,669,000 | 5,321 |
| Average total loans | $71,812,000 | 4,163 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 4,083 |
| Cost of funding earning assets | 0.7315% | 1,014 |
| Net interest margin | 3.1822% | 5,000 |
| Noninterest income to average assets | 1.1384% | 908 |
| Noninterest expense to average assets | 4.1187% | 661 |
| Loan and lease loss provision to assets | 0.0672% | 2,920 |
| Net operating income to assets | -0.0784% | 6,244 |
| Return on assets (ROA) | -0.0784% | 6,259 |
| Pretax return on assets | -0.1232% | 6,271 |
| Return on Equity (ROE) | -0.9165% | 6,269 |
| Retained earnings to average equity (ytd only) | -0.9165% | 5,839 |
| Net charge-offs to loans | -0.0058% | 5,202 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3789% | 369 |
| Assets per employee ($millions) | 3.4361% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5998% | 6,313 |
| Loan loss allowance to noncurrent loans | 2,171.4286% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 4,482 |
| Noncurrent loans to loans | 0.0276% | 5,982 |
| Net loans and leases to total assets | 75.8329% | 1,192 |
| Net loans and leases to deposits | 91.7197% | 1,188 |
| Net loans and leases to core deposits | 114.4957% | 518 |
| Total domestic deposits to total assets | 82.6790% | 4,422 |
| Equity capital to assets | 7.7392% | 6,280 |
| Core capital (leverage) ratio | 8.6036% | 5,526 |
| Tier 1 risk-based capital ratio | 13.1651% | 4,808 |
| Total risk-based capital ratio | 13.9544% | 5,028 |
| Memoranda: | ||
| Average total assets | $89,251,330 | 4,949 |
| Average earning assets | $82,020,000 | 4,936 |
| Average equity | $7,637,670 | 5,362 |
| Average total loans | $68,999,330 | 4,269 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9999% | 3,680 |
| Cost of funding earning assets | 0.7461% | 988 |
| Net interest margin | 3.2538% | 4,729 |
| Noninterest income to average assets | 1.2611% | 695 |
| Noninterest expense to average assets | 4.1498% | 641 |
| Loan and lease loss provision to assets | -0.0476% | 6,449 |
| Net operating income to assets | 0.0952% | 6,042 |
| Return on assets (ROA) | 0.0952% | 6,068 |
| Pretax return on assets | 0.1475% | 6,010 |
| Return on Equity (ROE) | 1.0526% | 6,028 |
| Retained earnings to average equity (ytd only) | 1.0526% | 5,177 |
| Net charge-offs to loans | -0.0122% | 5,128 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6484% | 559 |
| Assets per employee ($millions) | 3.0137% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6256% | 6,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 4,478 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 75.6044% | 1,049 |
| Net loans and leases to deposits | 86.8804% | 1,482 |
| Net loans and leases to core deposits | 114.2669% | 458 |
| Total domestic deposits to total assets | 87.0213% | 2,796 |
| Equity capital to assets | 8.7829% | 5,355 |
| Core capital (leverage) ratio | 9.0011% | 5,010 |
| Tier 1 risk-based capital ratio | 14.8650% | 3,780 |
| Total risk-based capital ratio | 15.6746% | 4,008 |
| Memoranda: | ||
| Average total assets | $84,053,000 | 5,112 |
| Average earning assets | $77,202,000 | 5,084 |
| Average equity | $7,600,500 | 5,391 |
| Average total loans | $65,488,000 | 4,412 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8535% | 4,626 |
| Cost of funding earning assets | 0.7735% | 1,354 |
| Net interest margin | 3.0799% | 5,372 |
| Noninterest income to average assets | 2.2118% | 343 |
| Noninterest expense to average assets | 5.0904% | 327 |
| Loan and lease loss provision to assets | 0.1135% | 2,920 |
| Net operating income to assets | -0.1351% | 6,328 |
| Return on assets (ROA) | -0.1351% | 6,345 |
| Pretax return on assets | -0.2205% | 6,367 |
| Return on Equity (ROE) | -1.3808% | 6,347 |
| Retained earnings to average equity (ytd only) | -1.3808% | 6,112 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1489% | 419 |
| Assets per employee ($millions) | 2.7831% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6575% | 6,408 |
| Loan loss allowance to noncurrent loans | 1,927.2727% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 4,329 |
| Noncurrent loans to loans | 0.0341% | 6,150 |
| Net loans and leases to total assets | 79.3716% | 662 |
| Net loans and leases to deposits | 93.7770% | 895 |
| Net loans and leases to core deposits | 117.1436% | 393 |
| Total domestic deposits to total assets | 84.6386% | 3,911 |
| Equity capital to assets | 9.3236% | 4,663 |
| Core capital (leverage) ratio | 9.7699% | 3,884 |
| Tier 1 risk-based capital ratio | 15.9228% | 3,136 |
| Total risk-based capital ratio | 16.8226% | 3,282 |
| Memoranda: | ||
| Average total assets | $78,442,400 | 5,272 |
| Average earning assets | $70,586,000 | 5,298 |
| Average equity | $7,676,800 | 5,419 |
| Average total loans | $60,258,200 | 4,604 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 4,717 |
| Cost of funding earning assets | 0.7764% | 1,447 |
| Net interest margin | 3.0598% | 5,434 |
| Noninterest income to average assets | 2.5099% | 291 |
| Noninterest expense to average assets | 5.2150% | 299 |
| Loan and lease loss provision to assets | 0.1712% | 2,124 |
| Net operating income to assets | -0.0788% | 6,365 |
| Return on assets (ROA) | -0.0788% | 6,403 |
| Pretax return on assets | -0.1370% | 6,431 |
| Return on Equity (ROE) | -0.7950% | 6,409 |
| Retained earnings to average equity (ytd only) | -0.7950% | 6,101 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3477% | 484 |
| Assets per employee ($millions) | 2.5525% | 6,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 6,395 |
| Loan loss allowance to noncurrent loans | 945.6522% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.7013% | 4,357 |
| Noncurrent loans to loans | 0.0778% | 6,102 |
| Net loans and leases to total assets | 76.6540% | 913 |
| Net loans and leases to deposits | 86.4093% | 1,571 |
| Net loans and leases to core deposits | 106.6016% | 723 |
| Total domestic deposits to total assets | 88.7103% | 1,720 |
| Equity capital to assets | 9.9786% | 3,928 |
| Core capital (leverage) ratio | 9.9732% | 3,712 |
| Tier 1 risk-based capital ratio | 16.9594% | 2,721 |
| Total risk-based capital ratio | 17.9328% | 2,824 |
| Memoranda: | ||
| Average total assets | $77,875,750 | 5,341 |
| Average earning assets | $69,720,250 | 5,369 |
| Average equity | $7,714,750 | 5,468 |
| Average total loans | $59,201,750 | 4,672 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8113% | 4,786 |
| Cost of funding earning assets | 0.7754% | 1,554 |
| Net interest margin | 3.0359% | 5,482 |
| Noninterest income to average assets | 2.8170% | 274 |
| Noninterest expense to average assets | 5.3582% | 281 |
| Loan and lease loss provision to assets | 0.1737% | 2,169 |
| Net operating income to assets | 0.0000% | 6,302 |
| Return on assets (ROA) | 0.0000% | 6,366 |
| Pretax return on assets | -0.0051% | 6,358 |
| Return on Equity (ROE) | 0.0000% | 6,367 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,846 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9501% | 619 |
| Assets per employee ($millions) | 2.4706% | 6,523 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6684% | 6,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 4,619 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 78.0050% | 745 |
| Net loans and leases to deposits | 89.7380% | 1,175 |
| Net loans and leases to core deposits | 111.1268% | 517 |
| Total domestic deposits to total assets | 86.9252% | 2,862 |
| Equity capital to assets | 10.0313% | 3,875 |
| Core capital (leverage) ratio | 10.0103% | 3,494 |
| Tier 1 risk-based capital ratio | 16.9420% | 2,736 |
| Total risk-based capital ratio | 17.8371% | 2,856 |
| Memoranda: | ||
| Average total assets | $78,309,670 | 5,366 |
| Average earning assets | $69,898,000 | 5,398 |
| Average equity | $7,739,330 | 5,501 |
| Average total loans | $59,225,000 | 4,697 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7881% | 4,863 |
| Cost of funding earning assets | 0.7782% | 1,651 |
| Net interest margin | 3.0099% | 5,538 |
| Noninterest income to average assets | 3.1881% | 237 |
| Noninterest expense to average assets | 5.2748% | 303 |
| Loan and lease loss provision to assets | 0.2072% | 1,792 |
| Net operating income to assets | 0.2223% | 5,813 |
| Return on assets (ROA) | 0.2223% | 5,939 |
| Pretax return on assets | 0.3638% | 5,665 |
| Return on Equity (ROE) | 2.2659% | 5,853 |
| Retained earnings to average equity (ytd only) | 2.2659% | 4,884 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2334% | 1,133 |
| Assets per employee ($millions) | 2.6386% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6382% | 6,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6469% | 4,752 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 76.3049% | 802 |
| Net loans and leases to deposits | 86.8764% | 1,260 |
| Net loans and leases to core deposits | 107.1773% | 593 |
| Total domestic deposits to total assets | 87.8316% | 2,432 |
| Equity capital to assets | 10.1702% | 3,935 |
| Core capital (leverage) ratio | 9.9980% | 3,385 |
| Tier 1 risk-based capital ratio | 17.6757% | 2,494 |
| Total risk-based capital ratio | 18.5416% | 2,613 |
| Memoranda: | ||
| Average total assets | $79,169,500 | 5,386 |
| Average earning assets | $69,902,500 | 5,440 |
| Average equity | $7,767,500 | 5,556 |
| Average total loans | $58,764,500 | 4,745 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7907% | 5,847 |
| Cost of funding earning assets | 0.8677% | 2,160 |
| Net interest margin | 2.9229% | 6,184 |
| Noninterest income to average assets | 2.7506% | 283 |
| Noninterest expense to average assets | 4.9061% | 405 |
| Loan and lease loss provision to assets | 0.0094% | 5,802 |
| Net operating income to assets | 0.2794% | 5,543 |
| Return on assets (ROA) | 0.2794% | 5,754 |
| Pretax return on assets | 0.4265% | 5,496 |
| Return on Equity (ROE) | 3.5774% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.5774% | 3,689 |
| Net charge-offs to loans | 0.0060% | 5,882 |
| Credit loss provision to net charge-offs | 233.3333% | 1,057 |
| Earnings coverage of net charge-offs (x) | 107.6667% | 359 |
| Efficiency ratio | 91.8393% | 930 |
| Assets per employee ($millions) | 2.9222% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5683% | 6,794 |
| Loan loss allowance to noncurrent loans | 1,670.0000% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 4,887 |
| Noncurrent loans to loans | 0.0340% | 6,422 |
| Net loans and leases to total assets | 71.4157% | 1,586 |
| Net loans and leases to deposits | 79.7633% | 2,316 |
| Net loans and leases to core deposits | 98.1770% | 1,134 |
| Total domestic deposits to total assets | 89.5345% | 1,227 |
| Equity capital to assets | 9.4756% | 4,904 |
| Core capital (leverage) ratio | 9.9548% | 3,458 |
| Tier 1 risk-based capital ratio | 17.7939% | 2,338 |
| Total risk-based capital ratio | 18.5744% | 2,491 |
| Memoranda: | ||
| Average total assets | $74,092,000 | 5,509 |
| Average earning assets | $65,687,600 | 5,562 |
| Average equity | $5,786,400 | 6,080 |
| Average total loans | $50,127,400 | 5,101 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8696% | 5,860 |
| Cost of funding earning assets | 0.9011% | 2,164 |
| Net interest margin | 2.9685% | 6,235 |
| Noninterest income to average assets | 2.5424% | 307 |
| Noninterest expense to average assets | 4.6950% | 460 |
| Loan and lease loss provision to assets | 0.0055% | 5,740 |
| Net operating income to assets | 0.3234% | 5,530 |
| Return on assets (ROA) | 0.3234% | 5,734 |
| Pretax return on assets | 0.4896% | 5,494 |
| Return on Equity (ROE) | 4.4068% | 5,092 |
| Retained earnings to average equity (ytd only) | 4.4068% | 3,789 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4592% | 1,005 |
| Assets per employee ($millions) | 3.0860% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 6,798 |
| Loan loss allowance to noncurrent loans | 11,100.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 6,801 |
| Noncurrent loans to loans | 0.0059% | 6,670 |
| Net loans and leases to total assets | 67.7283% | 2,333 |
| Net loans and leases to deposits | 73.4429% | 3,376 |
| Net loans and leases to core deposits | 91.8972% | 1,790 |
| Total domestic deposits to total assets | 92.2190% | 183 |
| Equity capital to assets | 7.3152% | 6,813 |
| Core capital (leverage) ratio | 7.3644% | 6,688 |
| Tier 1 risk-based capital ratio | 13.4317% | 4,923 |
| Total risk-based capital ratio | 14.2843% | 5,170 |
| Memoranda: | ||
| Average total assets | $72,159,750 | 5,629 |
| Average earning assets | $64,362,750 | 5,660 |
| Average equity | $5,294,750 | 6,274 |
| Average total loans | $47,967,500 | 5,237 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 6,006 |
| Cost of funding earning assets | 0.9179% | 2,270 |
| Net interest margin | 2.9436% | 6,353 |
| Noninterest income to average assets | 1.8483% | 451 |
| Noninterest expense to average assets | 4.3426% | 625 |
| Loan and lease loss provision to assets | 0.0140% | 5,485 |
| Net operating income to assets | 0.1202% | 6,112 |
| Return on assets (ROA) | 0.1202% | 6,276 |
| Pretax return on assets | 0.1370% | 6,245 |
| Return on Equity (ROE) | 1.6370% | 6,157 |
| Retained earnings to average equity (ytd only) | 1.6370% | 5,390 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6397% | 679 |
| Assets per employee ($millions) | 3.0563% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6490% | 6,885 |
| Loan loss allowance to noncurrent loans | 137.2951% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 1.0143% | 4,345 |
| Noncurrent loans to loans | 0.4727% | 5,589 |
| Net loans and leases to total assets | 69.9141% | 1,938 |
| Net loans and leases to deposits | 75.6316% | 3,037 |
| Net loans and leases to core deposits | 94.2130% | 1,584 |
| Total domestic deposits to total assets | 92.4404% | 167 |
| Equity capital to assets | 7.1847% | 6,872 |
| Core capital (leverage) ratio | 7.2022% | 6,755 |
| Tier 1 risk-based capital ratio | 12.3545% | 5,678 |
| Total risk-based capital ratio | 13.1620% | 5,955 |
| Memoranda: | ||
| Average total assets | $71,524,670 | 5,680 |
| Average earning assets | $64,275,330 | 5,697 |
| Average equity | $5,253,670 | 6,316 |
| Average total loans | $47,124,670 | 5,299 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 6,006 |
| Cost of funding earning assets | 0.9386% | 2,387 |
| Net interest margin | 2.9661% | 6,366 |
| Noninterest income to average assets | 1.6711% | 529 |
| Noninterest expense to average assets | 4.0560% | 871 |
| Loan and lease loss provision to assets | -0.0113% | 7,104 |
| Net operating income to assets | 0.2606% | 5,778 |
| Return on assets (ROA) | 0.2606% | 5,941 |
| Pretax return on assets | 0.3116% | 5,954 |
| Return on Equity (ROE) | 3.5078% | 5,504 |
| Retained earnings to average equity (ytd only) | 3.5078% | 4,475 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1079% | 877 |
| Assets per employee ($millions) | 3.4567% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7428% | 6,826 |
| Loan loss allowance to noncurrent loans | 16,400.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 5,167 |
| Noncurrent loans to loans | 0.0045% | 6,792 |
| Net loans and leases to total assets | 60.3753% | 3,580 |
| Net loans and leases to deposits | 65.3656% | 4,451 |
| Net loans and leases to core deposits | 81.5189% | 2,894 |
| Total domestic deposits to total assets | 92.3654% | 208 |
| Equity capital to assets | 7.2612% | 6,860 |
| Core capital (leverage) ratio | 7.3901% | 6,691 |
| Tier 1 risk-based capital ratio | 14.0266% | 4,459 |
| Total risk-based capital ratio | 14.9238% | 4,685 |
| Memoranda: | ||
| Average total assets | $70,612,000 | 5,748 |
| Average earning assets | $63,922,000 | 5,759 |
| Average equity | $5,245,500 | 6,348 |
| Average total loans | $44,878,500 | 5,431 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5427% | 4,905 |
| Cost of funding earning assets | 1.0783% | 2,816 |
| Net interest margin | 3.4644% | 5,272 |
| Noninterest income to average assets | 1.9203% | 402 |
| Noninterest expense to average assets | 4.5002% | 590 |
| Loan and lease loss provision to assets | 0.0246% | 6,263 |
| Net operating income to assets | 0.3106% | 5,210 |
| Return on assets (ROA) | 0.3106% | 5,368 |
| Pretax return on assets | 0.5519% | 4,826 |
| Return on Equity (ROE) | 3.9504% | 4,870 |
| Retained earnings to average equity (ytd only) | 3.9504% | 3,384 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6432% | 1,305 |
| Assets per employee ($millions) | 3.2682% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7237% | 6,873 |
| Loan loss allowance to noncurrent loans | 1,375.0000% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.7635% | 5,111 |
| Noncurrent loans to loans | 0.0526% | 6,690 |
| Net loans and leases to total assets | 65.9624% | 2,791 |
| Net loans and leases to deposits | 71.5978% | 3,862 |
| Net loans and leases to core deposits | 90.1563% | 2,106 |
| Total domestic deposits to total assets | 92.1292% | 222 |
| Equity capital to assets | 7.6057% | 6,771 |
| Core capital (leverage) ratio | 7.8303% | 6,416 |
| Tier 1 risk-based capital ratio | 13.5367% | 4,671 |
| Total risk-based capital ratio | 14.4159% | 4,922 |
| Memoranda: | ||
| Average total assets | $65,042,200 | 5,895 |
| Average earning assets | $59,260,400 | 5,888 |
| Average equity | $5,113,400 | 6,407 |
| Average total loans | $45,440,600 | 5,443 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 5,034 |
| Cost of funding earning assets | 1.0969% | 2,999 |
| Net interest margin | 3.4645% | 5,340 |
| Noninterest income to average assets | 1.5589% | 542 |
| Noninterest expense to average assets | 4.3505% | 673 |
| Loan and lease loss provision to assets | 0.0021% | 6,386 |
| Net operating income to assets | 0.2141% | 5,659 |
| Return on assets (ROA) | 0.2141% | 5,794 |
| Pretax return on assets | 0.3575% | 5,582 |
| Return on Equity (ROE) | 2.6998% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.6998% | 4,743 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3654% | 1,006 |
| Assets per employee ($millions) | 3.3102% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6663% | 7,007 |
| Loan loss allowance to noncurrent loans | 1,260.0000% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.7930% | 5,188 |
| Noncurrent loans to loans | 0.0529% | 6,802 |
| Net loans and leases to total assets | 70.9303% | 1,913 |
| Net loans and leases to deposits | 77.5051% | 3,083 |
| Net loans and leases to core deposits | 95.0875% | 1,689 |
| Total domestic deposits to total assets | 91.5170% | 294 |
| Equity capital to assets | 7.8018% | 6,801 |
| Core capital (leverage) ratio | 7.7499% | 6,598 |
| Tier 1 risk-based capital ratio | 12.5504% | 5,454 |
| Total risk-based capital ratio | 13.3437% | 5,819 |
| Memoranda: | ||
| Average total assets | $64,144,500 | 5,964 |
| Average earning assets | $58,343,000 | 5,965 |
| Average equity | $5,086,750 | 6,470 |
| Average total loans | $45,400,250 | 5,495 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 5,065 |
| Cost of funding earning assets | 1.1060% | 3,200 |
| Net interest margin | 3.4709% | 5,287 |
| Noninterest income to average assets | 1.3206% | 725 |
| Noninterest expense to average assets | 4.2642% | 778 |
| Loan and lease loss provision to assets | 0.0189% | 6,052 |
| Net operating income to assets | 0.1135% | 5,979 |
| Return on assets (ROA) | 0.1135% | 6,068 |
| Pretax return on assets | 0.1828% | 5,964 |
| Return on Equity (ROE) | 1.4227% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.4227% | 5,273 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4834% | 905 |
| Assets per employee ($millions) | 3.0392% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7273% | 6,984 |
| Loan loss allowance to noncurrent loans | 1,280.0000% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.8226% | 5,239 |
| Noncurrent loans to loans | 0.0568% | 6,842 |
| Net loans and leases to total assets | 68.4335% | 2,528 |
| Net loans and leases to deposits | 76.2238% | 3,424 |
| Net loans and leases to core deposits | 93.3948% | 1,973 |
| Total domestic deposits to total assets | 89.7797% | 1,083 |
| Equity capital to assets | 7.9798% | 6,696 |
| Core capital (leverage) ratio | 7.7027% | 6,584 |
| Tier 1 risk-based capital ratio | 12.5398% | 5,309 |
| Total risk-based capital ratio | 13.3559% | 5,675 |
| Memoranda: | ||
| Average total assets | $63,458,330 | 6,031 |
| Average earning assets | $57,506,330 | 6,043 |
| Average equity | $5,060,670 | 6,511 |
| Average total loans | $44,776,000 | 5,573 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5564% | 5,146 |
| Cost of funding earning assets | 1.1181% | 3,396 |
| Net interest margin | 3.4382% | 5,273 |
| Noninterest income to average assets | 1.3907% | 671 |
| Noninterest expense to average assets | 4.1659% | 849 |
| Loan and lease loss provision to assets | 0.0063% | 5,799 |
| Net operating income to assets | 0.2023% | 5,776 |
| Return on assets (ROA) | 0.2023% | 5,837 |
| Pretax return on assets | 0.3287% | 5,568 |
| Return on Equity (ROE) | 2.5374% | 5,587 |
| Retained earnings to average equity (ytd only) | 2.5374% | 4,640 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5562% | 1,130 |
| Assets per employee ($millions) | 3.0130% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7169% | 7,059 |
| Loan loss allowance to noncurrent loans | 79.9492% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.4129% | 4,160 |
| Noncurrent loans to loans | 0.8967% | 5,253 |
| Net loans and leases to total assets | 68.9436% | 2,340 |
| Net loans and leases to deposits | 76.9185% | 3,272 |
| Net loans and leases to core deposits | 94.5304% | 1,824 |
| Total domestic deposits to total assets | 89.6321% | 1,406 |
| Equity capital to assets | 7.9972% | 6,495 |
| Core capital (leverage) ratio | 7.7356% | 6,525 |
| Tier 1 risk-based capital ratio | 12.4389% | 5,322 |
| Total risk-based capital ratio | 13.2366% | 5,690 |
| Memoranda: | ||
| Average total assets | $63,275,500 | 6,086 |
| Average earning assets | $57,238,500 | 6,094 |
| Average equity | $5,044,500 | 6,545 |
| Average total loans | $45,165,500 | 5,601 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2027% | 3,594 |
| Cost of funding earning assets | 1.3837% | 3,366 |
| Net interest margin | 3.8189% | 3,874 |
| Noninterest income to average assets | 2.3588% | 304 |
| Noninterest expense to average assets | 4.4640% | 673 |
| Loan and lease loss provision to assets | 0.0096% | 6,989 |
| Net operating income to assets | 0.8086% | 2,759 |
| Return on assets (ROA) | 0.8086% | 2,895 |
| Pretax return on assets | 1.3492% | 1,802 |
| Return on Equity (ROE) | 10.7066% | 1,683 |
| Retained earnings to average equity (ytd only) | 10.7066% | 415 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6639% | 2,938 |
| Assets per employee ($millions) | 3.1640% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6768% | 7,167 |
| Loan loss allowance to noncurrent loans | 48.5317% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 1.8126% | 3,611 |
| Noncurrent loans to loans | 1.3946% | 4,393 |
| Net loans and leases to total assets | 72.8204% | 1,923 |
| Net loans and leases to deposits | 81.3028% | 2,928 |
| Net loans and leases to core deposits | 98.9053% | 1,714 |
| Total domestic deposits to total assets | 89.5668% | 1,347 |
| Equity capital to assets | 7.9473% | 6,544 |
| Core capital (leverage) ratio | 7.8419% | 6,388 |
| Tier 1 risk-based capital ratio | 11.9872% | 5,481 |
| Total risk-based capital ratio | 12.7585% | 5,909 |
| Memoranda: | ||
| Average total assets | $62,701,800 | 6,100 |
| Average earning assets | $56,874,800 | 6,103 |
| Average equity | $4,735,400 | 6,749 |
| Average total loans | $46,502,600 | 5,613 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1846% | 3,917 |
| Cost of funding earning assets | 1.4251% | 3,428 |
| Net interest margin | 3.7595% | 4,144 |
| Noninterest income to average assets | 1.8756% | 417 |
| Noninterest expense to average assets | 4.1305% | 901 |
| Loan and lease loss provision to assets | 0.0384% | 6,696 |
| Net operating income to assets | 0.6756% | 3,523 |
| Return on assets (ROA) | 0.6756% | 3,682 |
| Pretax return on assets | 1.1253% | 2,750 |
| Return on Equity (ROE) | 9.0661% | 2,467 |
| Retained earnings to average equity (ytd only) | 9.0661% | 1,035 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0193% | 2,618 |
| Assets per employee ($millions) | 3.5841% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6421% | 7,295 |
| Loan loss allowance to noncurrent loans | 37.5144% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 1.3470% | 4,471 |
| Noncurrent loans to loans | 1.7117% | 4,075 |
| Net loans and leases to total assets | 78.1904% | 1,009 |
| Net loans and leases to deposits | 87.6766% | 2,050 |
| Net loans and leases to core deposits | 111.2304% | 969 |
| Total domestic deposits to total assets | 89.1805% | 1,296 |
| Equity capital to assets | 7.5535% | 7,094 |
| Core capital (leverage) ratio | 7.5772% | 6,783 |
| Tier 1 risk-based capital ratio | 11.2898% | 6,107 |
| Total risk-based capital ratio | 12.0745% | 6,505 |
| Memoranda: | ||
| Average total assets | $62,557,500 | 6,171 |
| Average earning assets | $56,885,000 | 6,171 |
| Average equity | $4,662,000 | 6,850 |
| Average total loans | $46,529,750 | 5,704 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1970% | 3,977 |
| Cost of funding earning assets | 1.4854% | 3,337 |
| Net interest margin | 3.7116% | 4,305 |
| Noninterest income to average assets | 1.3375% | 705 |
| Noninterest expense to average assets | 3.8543% | 1,259 |
| Loan and lease loss provision to assets | 0.0388% | 6,571 |
| Net operating income to assets | 0.5008% | 4,331 |
| Return on assets (ROA) | 0.5008% | 4,476 |
| Pretax return on assets | 0.8271% | 3,791 |
| Return on Equity (ROE) | 6.7514% | 3,419 |
| Retained earnings to average equity (ytd only) | 6.7514% | 1,946 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6564% | 2,216 |
| Assets per employee ($millions) | 3.9368% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 7,251 |
| Loan loss allowance to noncurrent loans | 30.4183% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 1.6701% | 3,931 |
| Noncurrent loans to loans | 2.3000% | 3,373 |
| Net loans and leases to total assets | 72.1078% | 2,368 |
| Net loans and leases to deposits | 78.6262% | 3,861 |
| Net loans and leases to core deposits | 100.2096% | 1,993 |
| Total domestic deposits to total assets | 91.7097% | 290 |
| Equity capital to assets | 7.4997% | 7,115 |
| Core capital (leverage) ratio | 7.3925% | 6,925 |
| Tier 1 risk-based capital ratio | 11.6170% | 5,662 |
| Total risk-based capital ratio | 12.4378% | 6,046 |
| Memoranda: | ||
| Average total assets | $61,905,670 | 6,240 |
| Average earning assets | $56,417,000 | 6,225 |
| Average equity | $4,591,670 | 6,906 |
| Average total loans | $45,116,670 | 5,813 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3627% | 3,232 |
| Cost of funding earning assets | 1.5722% | 3,126 |
| Net interest margin | 3.7905% | 3,834 |
| Noninterest income to average assets | 1.2711% | 750 |
| Noninterest expense to average assets | 3.8263% | 1,287 |
| Loan and lease loss provision to assets | 0.0652% | 5,986 |
| Net operating income to assets | 0.4954% | 4,412 |
| Return on assets (ROA) | 0.4954% | 4,548 |
| Pretax return on assets | 0.8213% | 3,784 |
| Return on Equity (ROE) | 6.7175% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.7175% | 2,260 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1895% | 2,388 |
| Assets per employee ($millions) | 3.9074% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6940% | 7,347 |
| Loan loss allowance to noncurrent loans | 85.0267% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 6,017 |
| Noncurrent loans to loans | 0.8162% | 5,683 |
| Net loans and leases to total assets | 72.7843% | 2,267 |
| Net loans and leases to deposits | 79.2407% | 3,792 |
| Net loans and leases to core deposits | 97.2890% | 2,425 |
| Total domestic deposits to total assets | 91.8521% | 276 |
| Equity capital to assets | 7.3354% | 7,192 |
| Core capital (leverage) ratio | 7.2699% | 7,057 |
| Tier 1 risk-based capital ratio | 11.3047% | 5,851 |
| Total risk-based capital ratio | 12.1126% | 6,264 |
| Memoranda: | ||
| Average total assets | $61,364,000 | 6,332 |
| Average earning assets | $55,718,500 | 6,335 |
| Average equity | $4,525,500 | 6,995 |
| Average total loans | $44,805,000 | 5,895 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2853% | 5,257 |
| Cost of funding earning assets | 2.4287% | 1,217 |
| Net interest margin | 2.8566% | 6,946 |
| Noninterest income to average assets | 0.9563% | 1,723 |
| Noninterest expense to average assets | 3.4335% | 2,576 |
| Loan and lease loss provision to assets | -0.0767% | 7,982 |
| Net operating income to assets | 0.1159% | 5,164 |
| Return on assets (ROA) | 0.1159% | 5,221 |
| Pretax return on assets | 0.1926% | 5,022 |
| Return on Equity (ROE) | 1.6210% | 5,049 |
| Retained earnings to average equity (ytd only) | 1.6210% | 3,947 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7356% | 1,285 |
| Assets per employee ($millions) | 3.3449% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7034% | 7,373 |
| Loan loss allowance to noncurrent loans | 46.5257% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0995% | 4,895 |
| Noncurrent loans to loans | 1.5118% | 4,394 |
| Net loans and leases to total assets | 72.2151% | 2,698 |
| Net loans and leases to deposits | 79.2274% | 4,130 |
| Net loans and leases to core deposits | 121.3881% | 1,845 |
| Total domestic deposits to total assets | 91.1492% | 479 |
| Equity capital to assets | 7.4158% | 7,109 |
| Core capital (leverage) ratio | 6.7777% | 7,376 |
| Tier 1 risk-based capital ratio | 10.6359% | 6,264 |
| Total risk-based capital ratio | 11.3848% | 6,724 |
| Memoranda: | ||
| Average total assets | $61,278,200 | 6,302 |
| Average earning assets | $55,625,800 | 6,310 |
| Average equity | $4,380,000 | 7,148 |
| Average total loans | $43,050,600 | 5,977 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3116% | 5,366 |
| Cost of funding earning assets | 2.5368% | 1,186 |
| Net interest margin | 2.7748% | 7,093 |
| Noninterest income to average assets | 1.0572% | 1,421 |
| Noninterest expense to average assets | 3.4207% | 2,508 |
| Loan and lease loss provision to assets | -0.1018% | 8,070 |
| Net operating income to assets | 0.1560% | 5,300 |
| Return on assets (ROA) | 0.1560% | 5,359 |
| Pretax return on assets | 0.2643% | 5,157 |
| Return on Equity (ROE) | 2.2025% | 5,095 |
| Retained earnings to average equity (ytd only) | 2.2025% | 4,097 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4655% | 1,304 |
| Assets per employee ($millions) | 3.8784% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7229% | 7,316 |
| Loan loss allowance to noncurrent loans | 1,062.0690% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 7,450 |
| Noncurrent loans to loans | 0.0681% | 7,331 |
| Net loans and leases to total assets | 68.1653% | 3,921 |
| Net loans and leases to deposits | 76.9707% | 4,902 |
| Net loans and leases to core deposits | 119.0744% | 2,328 |
| Total domestic deposits to total assets | 88.5601% | 1,407 |
| Equity capital to assets | 7.2113% | 7,482 |
| Core capital (leverage) ratio | 7.0758% | 7,378 |
| Tier 1 risk-based capital ratio | 10.8117% | 6,142 |
| Total risk-based capital ratio | 11.5731% | 6,596 |
| Memoranda: | ||
| Average total assets | $61,545,500 | 6,332 |
| Average earning assets | $56,026,500 | 6,334 |
| Average equity | $4,358,750 | 7,231 |
| Average total loans | $42,866,250 | 6,026 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3064% | 5,629 |
| Cost of funding earning assets | 2.6496% | 1,163 |
| Net interest margin | 2.6568% | 7,291 |
| Noninterest income to average assets | 1.1568% | 1,164 |
| Noninterest expense to average assets | 3.3694% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1434% | 5,437 |
| Return on assets (ROA) | 0.1434% | 5,531 |
| Pretax return on assets | 0.2053% | 5,455 |
| Return on Equity (ROE) | 2.0370% | 5,286 |
| Retained earnings to average equity (ytd only) | 2.0370% | 4,209 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2571% | 1,477 |
| Assets per employee ($millions) | 4.5294% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 7,040 |
| Loan loss allowance to noncurrent loans | 30.6563% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 2.3387% | 2,777 |
| Noncurrent loans to loans | 2.7239% | 2,642 |
| Net loans and leases to total assets | 66.4827% | 4,463 |
| Net loans and leases to deposits | 76.7933% | 5,057 |
| Net loans and leases to core deposits | 117.2880% | 2,608 |
| Total domestic deposits to total assets | 86.5735% | 2,468 |
| Equity capital to assets | 6.9309% | 7,645 |
| Core capital (leverage) ratio | 6.9928% | 7,547 |
| Tier 1 risk-based capital ratio | 10.6789% | 6,203 |
| Total risk-based capital ratio | 11.5512% | 6,527 |
| Memoranda: | ||
| Average total assets | $61,375,670 | 6,397 |
| Average earning assets | $55,856,670 | 6,399 |
| Average equity | $4,320,000 | 7,304 |
| Average total loans | $42,952,330 | 6,068 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6583% | 4,008 |
| Cost of funding earning assets | 2.8255% | 924 |
| Net interest margin | 2.8328% | 6,921 |
| Noninterest income to average assets | 1.0802% | 1,283 |
| Noninterest expense to average assets | 3.1347% | 3,246 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3314% | 5,156 |
| Return on assets (ROA) | 0.3314% | 5,345 |
| Pretax return on assets | 0.5235% | 5,009 |
| Return on Equity (ROE) | 4.6702% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.6702% | 3,324 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6884% | 2,111 |
| Assets per employee ($millions) | 4.4243% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 7,038 |
| Loan loss allowance to noncurrent loans | 61.9546% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 4,879 |
| Noncurrent loans to loans | 1.3415% | 4,305 |
| Net loans and leases to total assets | 68.3839% | 4,048 |
| Net loans and leases to deposits | 81.9808% | 4,288 |
| Net loans and leases to core deposits | 126.8402% | 1,856 |
| Total domestic deposits to total assets | 83.4146% | 3,945 |
| Equity capital to assets | 7.0181% | 7,669 |
| Core capital (leverage) ratio | 7.0769% | 7,579 |
| Tier 1 risk-based capital ratio | 10.5790% | 6,309 |
| Total risk-based capital ratio | 11.4420% | 6,637 |
| Memoranda: | ||
| Average total assets | $60,357,500 | 6,458 |
| Average earning assets | $54,928,500 | 6,460 |
| Average equity | $4,282,500 | 7,354 |
| Average total loans | $43,172,000 | 6,087 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7893% | 6,466 |
| Cost of funding earning assets | 3.0488% | 1,689 |
| Net interest margin | 2.7405% | 7,429 |
| Noninterest income to average assets | 0.8734% | 2,086 |
| Noninterest expense to average assets | 3.2604% | 3,114 |
| Loan and lease loss provision to assets | -0.0395% | 8,229 |
| Net operating income to assets | 0.0628% | 6,201 |
| Return on assets (ROA) | 0.0628% | 6,056 |
| Pretax return on assets | 0.1076% | 5,923 |
| Return on Equity (ROE) | 0.8161% | 5,969 |
| Retained earnings to average equity (ytd only) | 0.8161% | 4,735 |
| Net charge-offs to loans | -0.2838% | 8,192 |
| Credit loss provision to net charge-offs | 18.9655% | 6,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9526% | 1,063 |
| Assets per employee ($millions) | 4.1982% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 7,049 |
| Loan loss allowance to noncurrent loans | 20.2741% | 7,228 |
| Noncurrent assets plus other real estate owned to assets | 2.9792% | 1,545 |
| Noncurrent loans to loans | 4.0131% | 1,223 |
| Net loans and leases to total assets | 73.6316% | 3,197 |
| Net loans and leases to deposits | 90.0273% | 3,451 |
| Net loans and leases to core deposits | 135.9672% | 1,487 |
| Total domestic deposits to total assets | 81.7882% | 4,281 |
| Equity capital to assets | 7.1765% | 7,639 |
| Core capital (leverage) ratio | 7.2813% | 7,436 |
| Tier 1 risk-based capital ratio | 10.3903% | 6,324 |
| Total risk-based capital ratio | 11.2477% | 6,621 |
| Memoranda: | ||
| Average total assets | $55,759,800 | 6,538 |
| Average earning assets | $49,954,000 | 6,587 |
| Average equity | $4,288,600 | 7,396 |
| Average total loans | $40,877,600 | 6,127 |