Home > Miner County Bank > Performance and Condition Ratios
Miner County Bank, Performance and Condition Ratios
| 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 | 3.5740% | 4,579 |
| Cost of funding earning assets | 0.4020% | 3,053 |
| Net interest margin | 3.1720% | 4,492 |
| Noninterest income to average assets | 0.1519% | 5,300 |
| Noninterest expense to average assets | 2.1346% | 4,705 |
| Loan and lease loss provision to assets | 0.1558% | 1,285 |
| Net operating income to assets | 0.6232% | 4,194 |
| Return on assets (ROA) | 0.6232% | 4,244 |
| Pretax return on assets | 0.6583% | 4,663 |
| Return on Equity (ROE) | 5.3476% | 4,333 |
| Retained earnings to average equity (ytd only) | -1.3369% | 5,267 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8626% | 2,361 |
| Assets per employee ($millions) | 4.3542% | 3,338 |
| Cash dividends to net income (ytd only)* | 125.0000% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5581% | 5,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 5,014 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 64.4459% | 3,324 |
| Net loans and leases to deposits | 78.1693% | 3,100 |
| Net loans and leases to core deposits | 80.1681% | 3,410 |
| Total domestic deposits to total assets | 82.4440% | 3,751 |
| Equity capital to assets | 11.5273% | 2,301 |
| Core capital (leverage) ratio | 8.5591% | 5,176 |
| Tier 1 risk-based capital ratio | 12.3907% | 4,360 |
| Total risk-based capital ratio | 12.9451% | 4,724 |
| Memoranda: | ||
| Average total assets | $51,345,330 | 5,225 |
| Average earning assets | $45,271,670 | 5,256 |
| Average equity | $5,984,000 | 5,193 |
| Average total loans | $27,538,000 | 5,177 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4891% | 4,724 |
| Cost of funding earning assets | 0.3755% | 3,248 |
| Net interest margin | 3.1136% | 4,618 |
| Noninterest income to average assets | 0.1965% | 5,092 |
| Noninterest expense to average assets | 2.1535% | 4,744 |
| Loan and lease loss provision to assets | 0.1572% | 1,149 |
| Net operating income to assets | 0.5266% | 4,487 |
| Return on assets (ROA) | 0.5266% | 4,527 |
| Pretax return on assets | 0.5580% | 4,822 |
| Return on Equity (ROE) | 4.4933% | 4,602 |
| Retained earnings to average equity (ytd only) | -3.8897% | 5,325 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5205% | 2,141 |
| Assets per employee ($millions) | 4.3846% | 3,361 |
| Cash dividends to net income (ytd only)* | 186.5672% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6663% | 5,373 |
| Loan loss allowance to noncurrent loans | 122.4638% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 3,840 |
| Noncurrent loans to loans | 0.5441% | 3,187 |
| Net loans and leases to total assets | 47.8837% | 4,835 |
| Net loans and leases to deposits | 57.9199% | 4,704 |
| Net loans and leases to core deposits | 59.3680% | 4,810 |
| Total domestic deposits to total assets | 82.6722% | 3,957 |
| Equity capital to assets | 11.3295% | 2,320 |
| Core capital (leverage) ratio | 8.5685% | 5,178 |
| Tier 1 risk-based capital ratio | 15.0931% | 2,925 |
| Total risk-based capital ratio | 15.6991% | 3,157 |
| Memoranda: | ||
| Average total assets | $50,893,000 | 5,296 |
| Average earning assets | $43,679,500 | 5,355 |
| Average equity | $5,964,500 | 5,243 |
| Average total loans | $24,376,000 | 5,323 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 3,975 |
| Cost of funding earning assets | 0.2517% | 4,550 |
| Net interest margin | 3.5263% | 3,331 |
| Noninterest income to average assets | 0.2049% | 5,185 |
| Noninterest expense to average assets | 2.1472% | 4,903 |
| Loan and lease loss provision to assets | 0.3292% | 543 |
| Net operating income to assets | 0.8238% | 3,192 |
| Return on assets (ROA) | 0.9221% | 2,833 |
| Pretax return on assets | 0.9439% | 3,674 |
| Return on Equity (ROE) | 6.9841% | 3,476 |
| Retained earnings to average equity (ytd only) | 1.2053% | 4,805 |
| Net charge-offs to loans | 0.0089% | 3,964 |
| Credit loss provision to net charge-offs | 7,550.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 269.0000% | 266 |
| Efficiency ratio | 64.1497% | 3,914 |
| Assets per employee ($millions) | 4.4701% | 3,160 |
| Cash dividends to net income (ytd only)* | 82.7423% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6371% | 5,472 |
| Loan loss allowance to noncurrent loans | 110.3704% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 3,856 |
| Noncurrent loans to loans | 0.5772% | 3,112 |
| Net loans and leases to total assets | 47.2636% | 4,939 |
| Net loans and leases to deposits | 56.4818% | 4,886 |
| Net loans and leases to core deposits | 57.9754% | 4,968 |
| Total domestic deposits to total assets | 83.6794% | 3,547 |
| Equity capital to assets | 12.1372% | 1,712 |
| Core capital (leverage) ratio | 9.0907% | 4,628 |
| Tier 1 risk-based capital ratio | 17.1800% | 2,096 |
| Total risk-based capital ratio | 17.7790% | 2,279 |
| Memoranda: | ||
| Average total assets | $45,873,200 | 5,421 |
| Average earning assets | $40,524,600 | 5,458 |
| Average equity | $6,056,600 | 5,269 |
| Average total loans | $22,352,800 | 5,433 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9349% | 3,476 |
| Cost of funding earning assets | 0.2484% | 4,615 |
| Net interest margin | 3.6864% | 2,771 |
| Noninterest income to average assets | 0.2072% | 5,227 |
| Noninterest expense to average assets | 2.1280% | 4,945 |
| Loan and lease loss provision to assets | 0.4469% | 300 |
| Net operating income to assets | 0.8062% | 3,336 |
| Return on assets (ROA) | 0.9560% | 2,768 |
| Pretax return on assets | 1.0448% | 3,451 |
| Return on Equity (ROE) | 7.0847% | 3,517 |
| Retained earnings to average equity (ytd only) | 3.7945% | 3,614 |
| Net charge-offs to loans | 0.0121% | 3,523 |
| Credit loss provision to net charge-offs | 7,550.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 224.2135% | 346 |
| Efficiency ratio | 61.0445% | 4,382 |
| Assets per employee ($millions) | 4.0210% | 3,928 |
| Cash dividends to net income (ytd only)* | 46.4403% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5743% | 5,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 5,079 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 58.3166% | 4,068 |
| Net loans and leases to deposits | 69.0676% | 4,057 |
| Net loans and leases to core deposits | 70.1191% | 4,318 |
| Total domestic deposits to total assets | 84.4340% | 3,048 |
| Equity capital to assets | 14.0580% | 1,009 |
| Core capital (leverage) ratio | 10.0145% | 3,554 |
| Tier 1 risk-based capital ratio | 15.8857% | 2,672 |
| Total risk-based capital ratio | 16.4282% | 2,903 |
| Memoranda: | ||
| Average total assets | $45,048,750 | 5,495 |
| Average earning assets | $39,712,500 | 5,529 |
| Average equity | $6,078,750 | 5,322 |
| Average total loans | $22,093,750 | 5,497 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 3,875 |
| Cost of funding earning assets | 0.2352% | 4,802 |
| Net interest margin | 3.5880% | 3,145 |
| Noninterest income to average assets | 0.2074% | 5,252 |
| Noninterest expense to average assets | 2.1359% | 4,983 |
| Loan and lease loss provision to assets | 0.5340% | 233 |
| Net operating income to assets | 0.6310% | 4,139 |
| Return on assets (ROA) | 0.6310% | 4,274 |
| Pretax return on assets | 0.7017% | 4,615 |
| Return on Equity (ROE) | 4.7411% | 4,628 |
| Retained earnings to average equity (ytd only) | 3.0834% | 3,944 |
| Net charge-offs to loans | 0.0288% | 2,900 |
| Credit loss provision to net charge-offs | 4,033.3333% | 106 |
| Earnings coverage of net charge-offs (x) | 93.3333% | 611 |
| Efficiency ratio | 62.8272% | 4,199 |
| Assets per employee ($millions) | 4.2486% | 3,465 |
| Cash dividends to net income (ytd only)* | 34.9650% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4903% | 5,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 5,184 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 51.2421% | 4,745 |
| Net loans and leases to deposits | 60.2435% | 4,782 |
| Net loans and leases to core deposits | 61.5045% | 4,911 |
| Total domestic deposits to total assets | 85.0583% | 2,851 |
| Equity capital to assets | 13.2641% | 1,345 |
| Core capital (leverage) ratio | 9.4083% | 4,324 |
| Tier 1 risk-based capital ratio | 16.7044% | 2,346 |
| Total risk-based capital ratio | 17.1653% | 2,627 |
| Memoranda: | ||
| Average total assets | $45,321,330 | 5,552 |
| Average earning assets | $39,966,330 | 5,586 |
| Average equity | $6,032,330 | 5,382 |
| Average total loans | $20,810,670 | 5,606 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5870% | 4,659 |
| Cost of funding earning assets | 0.1975% | 5,228 |
| Net interest margin | 3.3895% | 3,906 |
| Noninterest income to average assets | 0.2062% | 5,261 |
| Noninterest expense to average assets | 2.2414% | 4,801 |
| Loan and lease loss provision to assets | 0.3586% | 412 |
| Net operating income to assets | 0.5290% | 4,510 |
| Return on assets (ROA) | 0.5290% | 4,618 |
| Pretax return on assets | 0.5290% | 5,012 |
| Return on Equity (ROE) | 3.9671% | 4,901 |
| Retained earnings to average equity (ytd only) | 0.6051% | 4,968 |
| Net charge-offs to loans | 0.0417% | 2,170 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 49.5000% | 890 |
| Efficiency ratio | 71.0602% | 2,951 |
| Assets per employee ($millions) | 3.7351% | 4,413 |
| Cash dividends to net income (ytd only)* | 84.7458% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1820% | 6,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 5,228 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 46.5005% | 5,084 |
| Net loans and leases to deposits | 53.7678% | 5,113 |
| Net loans and leases to core deposits | 54.5488% | 5,213 |
| Total domestic deposits to total assets | 86.4840% | 2,454 |
| Equity capital to assets | 13.4111% | 1,217 |
| Core capital (leverage) ratio | 9.8494% | 3,720 |
| Tier 1 risk-based capital ratio | 18.6162% | 1,821 |
| Total risk-based capital ratio | 18.7846% | 2,080 |
| Memoranda: | ||
| Average total assets | $44,614,500 | 5,626 |
| Average earning assets | $38,472,000 | 5,673 |
| Average equity | $5,949,000 | 5,433 |
| Average total loans | $19,183,000 | 5,711 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8055% | 6,152 |
| Cost of funding earning assets | 0.0493% | 6,107 |
| Net interest margin | 0.7562% | 6,150 |
| Noninterest income to average assets | 0.0418% | 6,026 |
| Noninterest expense to average assets | 0.4902% | 6,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1583% | 5,661 |
| Return on assets (ROA) | 0.1649% | 5,702 |
| Pretax return on assets | 0.1649% | 5,734 |
| Return on Equity (ROE) | 1.4658% | 5,692 |
| Retained earnings to average equity (ytd only) | 1.4658% | 4,889 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5932% | 2,337 |
| Assets per employee ($millions) | 4.0371% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 5,261 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 39.3758% | 5,552 |
| Net loans and leases to deposits | 45.4182% | 5,595 |
| Net loans and leases to core deposits | 46.0825% | 5,647 |
| Total domestic deposits to total assets | 86.6961% | 2,277 |
| Equity capital to assets | 13.2566% | 1,231 |
| Core capital (leverage) ratio | 9.9292% | 3,605 |
| Tier 1 risk-based capital ratio | 18.7773% | 1,752 |
| Total risk-based capital ratio | 18.7773% | 2,068 |
| Memoranda: | ||
| Average total assets | $45,487,800 | 5,647 |
| Average earning assets | $36,497,200 | 5,757 |
| Average equity | $5,116,800 | 5,631 |
| Average total loans | $16,145,000 | 5,862 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3654% | 5,285 |
| Cost of funding earning assets | 0.2344% | 5,051 |
| Net interest margin | 3.1310% | 4,877 |
| Noninterest income to average assets | 0.3642% | 4,323 |
| Noninterest expense to average assets | 3.7909% | 861 |
| Loan and lease loss provision to assets | -0.6556% | 6,234 |
| Net operating income to assets | -0.2535% | 6,067 |
| Return on assets (ROA) | 0.2069% | 5,727 |
| Pretax return on assets | 0.1806% | 5,812 |
| Return on Equity (ROE) | 1.9223% | 5,682 |
| Retained earnings to average equity (ytd only) | -22.9877% | 6,211 |
| Net charge-offs to loans | -0.0084% | 4,935 |
| Credit loss provision to net charge-offs | 22,500.0000% | 14 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.7551% | 66 |
| Assets per employee ($millions) | 3.2729% | 5,168 |
| Cash dividends to net income (ytd only)* | 1,295.8377% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 1,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 5,373 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 36.1850% | 5,774 |
| Net loans and leases to deposits | 40.0302% | 5,863 |
| Net loans and leases to core deposits | 40.6163% | 5,901 |
| Total domestic deposits to total assets | 90.3944% | 426 |
| Equity capital to assets | 9.5868% | 4,650 |
| Core capital (leverage) ratio | 8.8969% | 5,123 |
| Tier 1 risk-based capital ratio | 19.0834% | 1,751 |
| Total risk-based capital ratio | 20.3320% | 1,722 |
| Memoranda: | ||
| Average total assets | $45,757,750 | 5,712 |
| Average earning assets | $36,409,250 | 5,838 |
| Average equity | $4,924,250 | 5,744 |
| Average total loans | $15,809,750 | 5,947 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2778% | 5,481 |
| Cost of funding earning assets | 0.2296% | 5,152 |
| Net interest margin | 3.0483% | 5,097 |
| Noninterest income to average assets | 0.3545% | 4,423 |
| Noninterest expense to average assets | 2.3405% | 4,742 |
| Loan and lease loss provision to assets | -0.9610% | 6,324 |
| Net operating income to assets | 1.3881% | 1,119 |
| Return on assets (ROA) | 1.3881% | 1,156 |
| Pretax return on assets | 1.4137% | 1,917 |
| Return on Equity (ROE) | 12.4856% | 1,230 |
| Retained earnings to average equity (ytd only) | 7.8755% | 1,315 |
| Net charge-offs to loans | -0.0126% | 4,999 |
| Credit loss provision to net charge-offs | 22,500.0000% | 19 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7920% | 1,285 |
| Assets per employee ($millions) | 3.6140% | 4,604 |
| Cash dividends to net income (ytd only)* | 36.9231% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8010% | 1,372 |
| Loan loss allowance to noncurrent loans | 346.8354% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 4,859 |
| Noncurrent loans to loans | 0.5193% | 3,900 |
| Net loans and leases to total assets | 31.7994% | 5,986 |
| Net loans and leases to deposits | 36.8516% | 6,008 |
| Net loans and leases to core deposits | 37.8381% | 6,030 |
| Total domestic deposits to total assets | 86.2905% | 2,531 |
| Equity capital to assets | 11.1511% | 2,716 |
| Core capital (leverage) ratio | 10.7025% | 2,730 |
| Tier 1 risk-based capital ratio | 23.5193% | 1,002 |
| Total risk-based capital ratio | 24.7691% | 991 |
| Memoranda: | ||
| Average total assets | $46,827,670 | 5,750 |
| Average earning assets | $37,463,670 | 5,875 |
| Average equity | $5,206,000 | 5,727 |
| Average total loans | $15,856,670 | 6,008 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3715% | 5,274 |
| Cost of funding earning assets | 0.2355% | 5,165 |
| Net interest margin | 3.1360% | 4,832 |
| Noninterest income to average assets | 0.4021% | 3,988 |
| Noninterest expense to average assets | 2.1904% | 5,178 |
| Loan and lease loss provision to assets | -1.9251% | 6,411 |
| Net operating income to assets | 2.5925% | 132 |
| Return on assets (ROA) | 2.5925% | 142 |
| Pretax return on assets | 2.6438% | 198 |
| Return on Equity (ROE) | 23.3549% | 148 |
| Retained earnings to average equity (ytd only) | 15.6470% | 234 |
| Net charge-offs to loans | -0.0247% | 5,147 |
| Credit loss provision to net charge-offs | 22,500.0000% | 12 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2941% | 2,610 |
| Assets per employee ($millions) | 3.5815% | 4,754 |
| Cash dividends to net income (ytd only)* | 33.0033% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8334% | 1,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 5,597 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 31.5099% | 6,019 |
| Net loans and leases to deposits | 36.6656% | 6,034 |
| Net loans and leases to core deposits | 37.6604% | 6,052 |
| Total domestic deposits to total assets | 85.9386% | 2,974 |
| Equity capital to assets | 11.4970% | 2,464 |
| Core capital (leverage) ratio | 10.9406% | 2,472 |
| Tier 1 risk-based capital ratio | 27.5374% | 677 |
| Total risk-based capital ratio | 28.7884% | 659 |
| Memoranda: | ||
| Average total assets | $46,750,500 | 5,799 |
| Average earning assets | $37,372,500 | 5,935 |
| Average equity | $5,189,500 | 5,783 |
| Average total loans | $16,178,000 | 6,047 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 4,445 |
| Cost of funding earning assets | 0.2574% | 5,248 |
| Net interest margin | 3.5572% | 3,569 |
| Noninterest income to average assets | 0.7529% | 2,064 |
| Noninterest expense to average assets | 2.3881% | 4,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1699% | 1,671 |
| Return on assets (ROA) | 1.1699% | 1,751 |
| Pretax return on assets | 1.2160% | 2,589 |
| Return on Equity (ROE) | 11.5134% | 1,548 |
| Retained earnings to average equity (ytd only) | 5.8971% | 1,987 |
| Net charge-offs to loans | 0.0059% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 554.0000% | 95 |
| Efficiency ratio | 66.2607% | 4,209 |
| Assets per employee ($millions) | 3.6108% | 4,702 |
| Cash dividends to net income (ytd only)* | 48.7805% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8603% | 349 |
| Loan loss allowance to noncurrent loans | 132.4468% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.8862% | 2,990 |
| Noncurrent loans to loans | 2.1596% | 1,248 |
| Net loans and leases to total assets | 36.0303% | 5,951 |
| Net loans and leases to deposits | 41.5206% | 5,983 |
| Net loans and leases to core deposits | 42.6256% | 6,010 |
| Total domestic deposits to total assets | 86.7770% | 2,402 |
| Equity capital to assets | 10.7071% | 3,225 |
| Core capital (leverage) ratio | 10.6674% | 2,755 |
| Tier 1 risk-based capital ratio | 20.8525% | 1,433 |
| Total risk-based capital ratio | 22.1154% | 1,408 |
| Memoranda: | ||
| Average total assets | $45,559,600 | 5,889 |
| Average earning assets | $36,517,000 | 6,027 |
| Average equity | $4,629,400 | 5,952 |
| Average total loans | $17,093,000 | 6,082 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 4,517 |
| Cost of funding earning assets | 0.2626% | 5,278 |
| Net interest margin | 3.5446% | 3,648 |
| Noninterest income to average assets | 0.3627% | 4,526 |
| Noninterest expense to average assets | 2.4947% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6989% | 3,945 |
| Return on assets (ROA) | 0.6989% | 4,037 |
| Pretax return on assets | 0.7343% | 4,575 |
| Return on Equity (ROE) | 6.9751% | 3,717 |
| Retained earnings to average equity (ytd only) | 4.6207% | 3,346 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2603% | 2,312 |
| Assets per employee ($millions) | 3.3479% | 5,150 |
| Cash dividends to net income (ytd only)* | 33.7542% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8472% | 421 |
| Loan loss allowance to noncurrent loans | 132.7128% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.4383% | 2,147 |
| Noncurrent loans to loans | 2.1454% | 1,436 |
| Net loans and leases to total assets | 39.1218% | 5,873 |
| Net loans and leases to deposits | 45.2629% | 5,918 |
| Net loans and leases to core deposits | 47.1192% | 5,918 |
| Total domestic deposits to total assets | 86.4325% | 2,622 |
| Equity capital to assets | 10.8517% | 3,126 |
| Core capital (leverage) ratio | 10.8469% | 2,639 |
| Tier 1 risk-based capital ratio | 20.2592% | 1,599 |
| Total risk-based capital ratio | 21.5205% | 1,565 |
| Memoranda: | ||
| Average total assets | $45,214,250 | 5,970 |
| Average earning assets | $36,562,000 | 6,098 |
| Average equity | $4,530,250 | 6,043 |
| Average total loans | $17,013,500 | 6,150 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7687% | 4,629 |
| Cost of funding earning assets | 0.2688% | 5,296 |
| Net interest margin | 3.4999% | 3,792 |
| Noninterest income to average assets | 0.2883% | 5,118 |
| Noninterest expense to average assets | 2.4510% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5942% | 4,383 |
| Return on assets (ROA) | 0.5942% | 4,479 |
| Pretax return on assets | 0.6248% | 4,876 |
| Return on Equity (ROE) | 6.0905% | 4,106 |
| Retained earnings to average equity (ytd only) | 3.4035% | 4,037 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6875% | 2,063 |
| Assets per employee ($millions) | 3.5116% | 4,821 |
| Cash dividends to net income (ytd only)* | 44.1176% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9205% | 418 |
| Loan loss allowance to noncurrent loans | 132.7128% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 3.1631% | 792 |
| Noncurrent loans to loans | 2.2006% | 1,485 |
| Net loans and leases to total assets | 36.3344% | 6,034 |
| Net loans and leases to deposits | 41.6508% | 6,082 |
| Net loans and leases to core deposits | 43.2595% | 6,103 |
| Total domestic deposits to total assets | 87.2358% | 2,333 |
| Equity capital to assets | 10.1925% | 3,838 |
| Core capital (leverage) ratio | 10.0730% | 3,502 |
| Tier 1 risk-based capital ratio | 19.8348% | 1,724 |
| Total risk-based capital ratio | 21.0954% | 1,690 |
| Memoranda: | ||
| Average total assets | $45,778,000 | 6,010 |
| Average earning assets | $36,458,670 | 6,158 |
| Average equity | $4,466,000 | 6,101 |
| Average total loans | $16,842,670 | 6,206 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 4,607 |
| Cost of funding earning assets | 0.2764% | 5,322 |
| Net interest margin | 3.4933% | 3,729 |
| Noninterest income to average assets | 0.3403% | 4,656 |
| Noninterest expense to average assets | 2.2949% | 5,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7591% | 3,359 |
| Return on assets (ROA) | 0.7591% | 3,447 |
| Pretax return on assets | 0.8028% | 4,101 |
| Return on Equity (ROE) | 7.9588% | 2,950 |
| Retained earnings to average equity (ytd only) | 4.2996% | 3,551 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0845% | 3,126 |
| Assets per employee ($millions) | 3.5385% | 4,848 |
| Cash dividends to net income (ytd only)* | 45.9770% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1869% | 363 |
| Loan loss allowance to noncurrent loans | 128.2776% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 3.2717% | 817 |
| Noncurrent loans to loans | 2.4844% | 1,392 |
| Net loans and leases to total assets | 32.9543% | 6,230 |
| Net loans and leases to deposits | 37.5520% | 6,266 |
| Net loans and leases to core deposits | 38.4873% | 6,297 |
| Total domestic deposits to total assets | 87.7565% | 2,379 |
| Equity capital to assets | 9.7043% | 4,220 |
| Core capital (leverage) ratio | 9.9965% | 3,578 |
| Tier 1 risk-based capital ratio | 20.6652% | 1,543 |
| Total risk-based capital ratio | 21.9289% | 1,512 |
| Memoranda: | ||
| Average total assets | $45,841,500 | 6,070 |
| Average earning assets | $36,183,500 | 6,228 |
| Average equity | $4,372,500 | 6,166 |
| Average total loans | $16,721,000 | 6,272 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 4,953 |
| Cost of funding earning assets | 0.3028% | 5,570 |
| Net interest margin | 3.4541% | 4,077 |
| Noninterest income to average assets | 0.3545% | 4,773 |
| Noninterest expense to average assets | 2.5664% | 4,564 |
| Loan and lease loss provision to assets | 0.0118% | 4,889 |
| Net operating income to assets | 0.6789% | 3,900 |
| Return on assets (ROA) | 0.7468% | 3,661 |
| Pretax return on assets | 0.7562% | 4,313 |
| Return on Equity (ROE) | 6.9499% | 3,584 |
| Retained earnings to average equity (ytd only) | 2.3313% | 4,589 |
| Net charge-offs to loans | -0.0105% | 6,025 |
| Credit loss provision to net charge-offs | -250.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5818% | 2,375 |
| Assets per employee ($millions) | 3.5141% | 4,871 |
| Cash dividends to net income (ytd only)* | 66.4557% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8059% | 595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5349% | 1,342 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 37.8368% | 6,107 |
| Net loans and leases to deposits | 42.9526% | 6,179 |
| Net loans and leases to core deposits | 44.0248% | 6,222 |
| Total domestic deposits to total assets | 88.0897% | 2,125 |
| Equity capital to assets | 9.3711% | 4,584 |
| Core capital (leverage) ratio | 10.5690% | 2,822 |
| Tier 1 risk-based capital ratio | 19.2132% | 1,862 |
| Total risk-based capital ratio | 20.4723% | 1,821 |
| Memoranda: | ||
| Average total assets | $42,316,400 | 6,218 |
| Average earning assets | $35,667,800 | 6,300 |
| Average equity | $4,546,800 | 6,189 |
| Average total loans | $19,013,400 | 6,254 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7235% | 5,102 |
| Cost of funding earning assets | 0.3118% | 5,628 |
| Net interest margin | 3.4117% | 4,239 |
| Noninterest income to average assets | 0.3343% | 5,017 |
| Noninterest expense to average assets | 2.4882% | 4,758 |
| Loan and lease loss provision to assets | 0.0161% | 4,693 |
| Net operating income to assets | 0.7261% | 3,725 |
| Return on assets (ROA) | 0.8165% | 3,393 |
| Pretax return on assets | 0.8423% | 4,134 |
| Return on Equity (ROE) | 7.3410% | 3,466 |
| Retained earnings to average equity (ytd only) | 4.1619% | 3,723 |
| Net charge-offs to loans | -0.0138% | 5,958 |
| Credit loss provision to net charge-offs | -250.0000% | 5,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4822% | 2,655 |
| Assets per employee ($millions) | 3.0737% | 5,730 |
| Cash dividends to net income (ytd only)* | 43.3060% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5670% | 866 |
| Loan loss allowance to noncurrent loans | 49.8004% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 3.2559% | 1,087 |
| Noncurrent loans to loans | 5.1546% | 565 |
| Net loans and leases to total assets | 47.3998% | 5,406 |
| Net loans and leases to deposits | 55.1640% | 5,443 |
| Net loans and leases to core deposits | 56.0703% | 5,618 |
| Total domestic deposits to total assets | 85.9252% | 3,303 |
| Equity capital to assets | 11.1592% | 2,611 |
| Core capital (leverage) ratio | 11.2605% | 2,239 |
| Tier 1 risk-based capital ratio | 20.7441% | 1,546 |
| Total risk-based capital ratio | 22.0054% | 1,518 |
| Memoranda: | ||
| Average total assets | $41,474,750 | 6,313 |
| Average earning assets | $35,485,250 | 6,372 |
| Average equity | $4,613,250 | 6,244 |
| Average total loans | $19,320,750 | 6,302 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6540% | 5,279 |
| Cost of funding earning assets | 0.3214% | 5,651 |
| Net interest margin | 3.3326% | 4,436 |
| Noninterest income to average assets | 0.3430% | 4,941 |
| Noninterest expense to average assets | 2.4916% | 4,765 |
| Loan and lease loss provision to assets | 0.0238% | 4,439 |
| Net operating income to assets | 0.6316% | 4,148 |
| Return on assets (ROA) | 0.7670% | 3,638 |
| Pretax return on assets | 0.7813% | 4,385 |
| Return on Equity (ROE) | 6.9030% | 3,662 |
| Retained earnings to average equity (ytd only) | 3.9017% | 3,811 |
| Net charge-offs to loans | -0.0104% | 5,778 |
| Credit loss provision to net charge-offs | -500.0000% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8839% | 2,324 |
| Assets per employee ($millions) | 2.9871% | 5,870 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7139% | 783 |
| Loan loss allowance to noncurrent loans | 49.7006% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 3.1349% | 1,267 |
| Noncurrent loans to loans | 5.4605% | 561 |
| Net loans and leases to total assets | 42.6887% | 5,851 |
| Net loans and leases to deposits | 49.2537% | 5,899 |
| Net loans and leases to core deposits | 50.0196% | 6,021 |
| Total domestic deposits to total assets | 86.6711% | 3,016 |
| Equity capital to assets | 10.5622% | 3,222 |
| Core capital (leverage) ratio | 10.6324% | 2,732 |
| Tier 1 risk-based capital ratio | 21.1524% | 1,460 |
| Total risk-based capital ratio | 22.4162% | 1,424 |
| Memoranda: | ||
| Average total assets | $41,980,330 | 6,344 |
| Average earning assets | $35,468,000 | 6,421 |
| Average equity | $4,664,670 | 6,278 |
| Average total loans | $19,281,330 | 6,341 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5719% | 5,526 |
| Cost of funding earning assets | 0.3370% | 5,662 |
| Net interest margin | 3.2349% | 4,780 |
| Noninterest income to average assets | 0.3709% | 4,696 |
| Noninterest expense to average assets | 2.5297% | 4,658 |
| Loan and lease loss provision to assets | 0.0475% | 3,823 |
| Net operating income to assets | 0.5135% | 4,596 |
| Return on assets (ROA) | 0.5135% | 4,740 |
| Pretax return on assets | 0.5326% | 5,168 |
| Return on Equity (ROE) | 4.5108% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.5108% | 3,527 |
| Net charge-offs to loans | -0.0203% | 5,716 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3456% | 2,141 |
| Assets per employee ($millions) | 3.2732% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6624% | 958 |
| Loan loss allowance to noncurrent loans | 16.8016% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 7.6918% | 339 |
| Noncurrent loans to loans | 15.8460% | 61 |
| Net loans and leases to total assets | 42.7876% | 5,776 |
| Net loans and leases to deposits | 49.7310% | 5,810 |
| Net loans and leases to core deposits | 50.4964% | 5,936 |
| Total domestic deposits to total assets | 86.0383% | 3,510 |
| Equity capital to assets | 11.2639% | 2,663 |
| Core capital (leverage) ratio | 10.7690% | 2,482 |
| Tier 1 risk-based capital ratio | 22.2316% | 1,287 |
| Total risk-based capital ratio | 23.4988% | 1,259 |
| Memoranda: | ||
| Average total assets | $42,061,000 | 6,401 |
| Average earning assets | $35,611,500 | 6,477 |
| Average equity | $4,788,500 | 6,305 |
| Average total loans | $19,747,000 | 6,373 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 4,143 |
| Cost of funding earning assets | 0.4410% | 5,645 |
| Net interest margin | 3.8732% | 2,932 |
| Noninterest income to average assets | 0.1933% | 6,029 |
| Noninterest expense to average assets | 2.5876% | 4,780 |
| Loan and lease loss provision to assets | 0.6196% | 877 |
| Net operating income to assets | 0.2900% | 5,503 |
| Return on assets (ROA) | 0.2900% | 5,712 |
| Pretax return on assets | 0.2949% | 5,825 |
| Return on Equity (ROE) | 2.4431% | 5,778 |
| Retained earnings to average equity (ytd only) | 0.9814% | 5,388 |
| Net charge-offs to loans | 1.0194% | 1,060 |
| Credit loss provision to net charge-offs | 115.7407% | 2,497 |
| Earnings coverage of net charge-offs (x) | 1.7083% | 4,582 |
| Efficiency ratio | 73.8854% | 3,087 |
| Assets per employee ($millions) | 3.1977% | 5,622 |
| Cash dividends to net income (ytd only)* | 59.8291% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3666% | 1,285 |
| Loan loss allowance to noncurrent loans | 14.0974% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 8.8766% | 282 |
| Noncurrent loans to loans | 16.7877% | 56 |
| Net loans and leases to total assets | 48.8261% | 5,328 |
| Net loans and leases to deposits | 56.9501% | 5,343 |
| Net loans and leases to core deposits | 57.8509% | 5,561 |
| Total domestic deposits to total assets | 85.7349% | 3,496 |
| Equity capital to assets | 11.5083% | 2,436 |
| Core capital (leverage) ratio | 10.7328% | 2,512 |
| Tier 1 risk-based capital ratio | 20.0661% | 1,657 |
| Total risk-based capital ratio | 21.3284% | 1,627 |
| Memoranda: | ||
| Average total assets | $40,346,200 | 6,491 |
| Average earning assets | $34,468,000 | 6,543 |
| Average equity | $4,789,000 | 6,358 |
| Average total loans | $21,189,200 | 6,370 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 4,154 |
| Cost of funding earning assets | 0.4622% | 5,707 |
| Net interest margin | 3.9132% | 2,866 |
| Noninterest income to average assets | 0.1598% | 6,341 |
| Noninterest expense to average assets | 2.5041% | 5,063 |
| Loan and lease loss provision to assets | 0.4662% | 1,329 |
| Net operating income to assets | 0.4728% | 4,943 |
| Return on assets (ROA) | 0.4728% | 5,203 |
| Pretax return on assets | 0.5161% | 5,414 |
| Return on Equity (ROE) | 3.9524% | 5,309 |
| Retained earnings to average equity (ytd only) | 2.0041% | 5,319 |
| Net charge-offs to loans | 0.5887% | 1,861 |
| Credit loss provision to net charge-offs | 148.9362% | 1,898 |
| Earnings coverage of net charge-offs (x) | 3.1383% | 3,773 |
| Efficiency ratio | 71.8243% | 3,358 |
| Assets per employee ($millions) | 3.0091% | 6,038 |
| Cash dividends to net income (ytd only)* | 49.2949% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3846% | 1,391 |
| Loan loss allowance to noncurrent loans | 16.1642% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 8.5459% | 338 |
| Noncurrent loans to loans | 14.7521% | 105 |
| Net loans and leases to total assets | 52.7430% | 4,949 |
| Net loans and leases to deposits | 62.3116% | 4,932 |
| Net loans and leases to core deposits | 63.3739% | 5,220 |
| Total domestic deposits to total assets | 84.6439% | 3,917 |
| Equity capital to assets | 12.4546% | 1,924 |
| Core capital (leverage) ratio | 11.6380% | 1,879 |
| Tier 1 risk-based capital ratio | 20.0710% | 1,735 |
| Total risk-based capital ratio | 21.3300% | 1,705 |
| Memoranda: | ||
| Average total assets | $40,040,250 | 6,584 |
| Average earning assets | $34,038,000 | 6,638 |
| Average equity | $4,790,250 | 6,428 |
| Average total loans | $21,289,250 | 6,452 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 4,535 |
| Cost of funding earning assets | 0.4794% | 5,760 |
| Net interest margin | 3.8298% | 3,222 |
| Noninterest income to average assets | 0.1388% | 6,498 |
| Noninterest expense to average assets | 2.4140% | 5,407 |
| Loan and lease loss provision to assets | 0.0248% | 5,357 |
| Net operating income to assets | 0.9316% | 2,754 |
| Return on assets (ROA) | 0.9269% | 3,037 |
| Pretax return on assets | 0.9815% | 3,783 |
| Return on Equity (ROE) | 7.8522% | 3,322 |
| Retained earnings to average equity (ytd only) | 4.9129% | 3,326 |
| Net charge-offs to loans | -0.0187% | 6,416 |
| Credit loss provision to net charge-offs | -250.0000% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4776% | 3,686 |
| Assets per employee ($millions) | 2.8221% | 6,369 |
| Cash dividends to net income (ytd only)* | 37.4332% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1397% | 1,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6328% | 5,191 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 53.8282% | 4,832 |
| Net loans and leases to deposits | 63.4306% | 4,832 |
| Net loans and leases to core deposits | 64.4982% | 5,156 |
| Total domestic deposits to total assets | 84.8617% | 3,924 |
| Equity capital to assets | 12.2934% | 1,937 |
| Core capital (leverage) ratio | 10.9226% | 2,376 |
| Tier 1 risk-based capital ratio | 24.3833% | 973 |
| Total risk-based capital ratio | 25.6492% | 952 |
| Memoranda: | ||
| Average total assets | $40,347,670 | 6,621 |
| Average earning assets | $34,623,330 | 6,669 |
| Average equity | $4,763,000 | 6,462 |
| Average total loans | $21,340,330 | 6,497 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 4,039 |
| Cost of funding earning assets | 0.4849% | 5,906 |
| Net interest margin | 3.9829% | 2,582 |
| Noninterest income to average assets | -0.1276% | 7,178 |
| Noninterest expense to average assets | 2.2764% | 5,834 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9415% | 2,737 |
| Return on assets (ROA) | 0.9321% | 2,983 |
| Pretax return on assets | 0.9714% | 3,791 |
| Return on Equity (ROE) | 8.0577% | 3,264 |
| Retained earnings to average equity (ytd only) | 5.5131% | 3,248 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8795% | 3,839 |
| Assets per employee ($millions) | 2.9955% | 6,160 |
| Cash dividends to net income (ytd only)* | 31.5789% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4022% | 1,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 5,280 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 44.3713% | 5,971 |
| Net loans and leases to deposits | 51.6100% | 6,014 |
| Net loans and leases to core deposits | 52.4169% | 6,171 |
| Total domestic deposits to total assets | 85.9742% | 3,542 |
| Equity capital to assets | 11.3885% | 2,534 |
| Core capital (leverage) ratio | 10.9360% | 2,308 |
| Tier 1 risk-based capital ratio | 19.2932% | 1,899 |
| Total risk-based capital ratio | 20.5535% | 1,861 |
| Memoranda: | ||
| Average total assets | $40,767,000 | 6,658 |
| Average earning assets | $34,648,500 | 6,720 |
| Average equity | $4,716,000 | 6,507 |
| Average total loans | $21,144,500 | 6,551 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 3,295 |
| Cost of funding earning assets | 0.6414% | 5,867 |
| Net interest margin | 4.2722% | 1,797 |
| Noninterest income to average assets | 0.4143% | 4,499 |
| Noninterest expense to average assets | 3.0380% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0779% | 1,899 |
| Return on assets (ROA) | 1.1380% | 1,819 |
| Pretax return on assets | 1.2045% | 2,443 |
| Return on Equity (ROE) | 9.8299% | 2,117 |
| Retained earnings to average equity (ytd only) | 3.6448% | 3,615 |
| Net charge-offs to loans | -0.0094% | 6,882 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7050% | 3,446 |
| Assets per employee ($millions) | 2.8284% | 6,413 |
| Cash dividends to net income (ytd only)* | 62.9213% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9722% | 2,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8081% | 5,013 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 57.4917% | 4,464 |
| Net loans and leases to deposits | 67.7651% | 4,473 |
| Net loans and leases to core deposits | 68.9034% | 4,918 |
| Total domestic deposits to total assets | 84.8398% | 3,932 |
| Equity capital to assets | 11.7585% | 2,298 |
| Core capital (leverage) ratio | 11.1790% | 2,138 |
| Tier 1 risk-based capital ratio | 18.3532% | 2,091 |
| Total risk-based capital ratio | 19.6113% | 2,055 |
| Memoranda: | ||
| Average total assets | $39,104,600 | 6,703 |
| Average earning assets | $34,455,400 | 6,734 |
| Average equity | $4,527,000 | 6,584 |
| Average total loans | $21,244,000 | 6,593 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8788% | 3,643 |
| Cost of funding earning assets | 0.6713% | 5,922 |
| Net interest margin | 4.2074% | 2,068 |
| Noninterest income to average assets | 0.3694% | 4,917 |
| Noninterest expense to average assets | 3.0304% | 3,435 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9722% | 2,426 |
| Return on assets (ROA) | 1.0535% | 2,267 |
| Pretax return on assets | 1.1116% | 2,960 |
| Return on Equity (ROE) | 9.1364% | 2,539 |
| Retained earnings to average equity (ytd only) | 5.5767% | 2,806 |
| Net charge-offs to loans | -0.0129% | 6,816 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7049% | 3,047 |
| Assets per employee ($millions) | 2.8167% | 6,460 |
| Cash dividends to net income (ytd only)* | 38.9617% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 2,473 |
| Loan loss allowance to noncurrent loans | 3,523.0769% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.8571% | 5,039 |
| Noncurrent loans to loans | 0.0553% | 6,793 |
| Net loans and leases to total assets | 58.4090% | 4,436 |
| Net loans and leases to deposits | 70.9865% | 4,140 |
| Net loans and leases to core deposits | 72.2219% | 4,682 |
| Total domestic deposits to total assets | 82.2818% | 4,981 |
| Equity capital to assets | 11.9592% | 2,286 |
| Core capital (leverage) ratio | 11.2167% | 2,221 |
| Tier 1 risk-based capital ratio | 18.2691% | 2,161 |
| Total risk-based capital ratio | 19.5273% | 2,123 |
| Memoranda: | ||
| Average total assets | $38,981,500 | 6,766 |
| Average earning assets | $34,161,000 | 6,806 |
| Average equity | $4,494,750 | 6,642 |
| Average total loans | $20,749,250 | 6,686 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7507% | 4,298 |
| Cost of funding earning assets | 0.7049% | 5,932 |
| Net interest margin | 4.0458% | 2,630 |
| Noninterest income to average assets | 0.3451% | 5,120 |
| Noninterest expense to average assets | 2.8689% | 4,145 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9400% | 2,481 |
| Return on assets (ROA) | 1.0610% | 2,091 |
| Pretax return on assets | 1.1228% | 2,764 |
| Return on Equity (ROE) | 9.3192% | 2,374 |
| Retained earnings to average equity (ytd only) | 5.7001% | 2,593 |
| Net charge-offs to loans | -0.0202% | 6,824 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2667% | 3,314 |
| Assets per employee ($millions) | 2.7531% | 6,557 |
| Cash dividends to net income (ytd only)* | 38.8350% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1447% | 2,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9989% | 4,873 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 54.2160% | 5,262 |
| Net loans and leases to deposits | 63.4454% | 5,345 |
| Net loans and leases to core deposits | 64.5328% | 5,666 |
| Total domestic deposits to total assets | 85.4530% | 3,645 |
| Equity capital to assets | 11.8280% | 2,222 |
| Core capital (leverage) ratio | 11.0071% | 2,240 |
| Tier 1 risk-based capital ratio | 17.3958% | 2,377 |
| Total risk-based capital ratio | 18.6315% | 2,355 |
| Memoranda: | ||
| Average total assets | $38,830,670 | 6,828 |
| Average earning assets | $33,763,330 | 6,879 |
| Average equity | $4,421,000 | 6,711 |
| Average total loans | $19,835,330 | 6,801 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5910% | 4,991 |
| Cost of funding earning assets | 0.7474% | 5,873 |
| Net interest margin | 3.8436% | 3,398 |
| Noninterest income to average assets | 0.3592% | 5,034 |
| Noninterest expense to average assets | 2.7813% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8621% | 2,737 |
| Return on assets (ROA) | 0.8621% | 2,799 |
| Pretax return on assets | 0.9032% | 3,484 |
| Return on Equity (ROE) | 7.7206% | 3,039 |
| Retained earnings to average equity (ytd only) | 4.0441% | 3,741 |
| Net charge-offs to loans | -0.0210% | 6,583 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4875% | 3,244 |
| Assets per employee ($millions) | 2.8082% | 6,522 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4466% | 1,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9971% | 4,910 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 46.3487% | 6,254 |
| Net loans and leases to deposits | 53.7364% | 6,314 |
| Net loans and leases to core deposits | 54.6305% | 6,513 |
| Total domestic deposits to total assets | 86.2521% | 3,361 |
| Equity capital to assets | 11.1637% | 2,528 |
| Core capital (leverage) ratio | 10.7471% | 2,400 |
| Tier 1 risk-based capital ratio | 18.8876% | 1,828 |
| Total risk-based capital ratio | 20.1718% | 1,781 |
| Memoranda: | ||
| Average total assets | $38,974,000 | 6,870 |
| Average earning assets | $33,718,500 | 6,931 |
| Average equity | $4,352,000 | 6,767 |
| Average total loans | $19,075,500 | 6,888 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2103% | 3,556 |
| Cost of funding earning assets | 1.0783% | 5,270 |
| Net interest margin | 4.1320% | 2,440 |
| Noninterest income to average assets | 0.3727% | 5,113 |
| Noninterest expense to average assets | 3.1947% | 3,113 |
| Loan and lease loss provision to assets | 0.0162% | 6,946 |
| Net operating income to assets | 0.5941% | 3,697 |
| Return on assets (ROA) | 0.5941% | 3,866 |
| Pretax return on assets | 0.6076% | 4,296 |
| Return on Equity (ROE) | 5.0801% | 4,035 |
| Retained earnings to average equity (ytd only) | 1.8473% | 4,567 |
| Net charge-offs to loans | 0.1740% | 5,280 |
| Credit loss provision to net charge-offs | 17.6471% | 6,575 |
| Earnings coverage of net charge-offs (x) | 6.7941% | 2,272 |
| Efficiency ratio | 83.6634% | 1,958 |
| Assets per employee ($millions) | 2.7595% | 6,593 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3418% | 1,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 4,972 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 49.2222% | 6,252 |
| Net loans and leases to deposits | 57.0640% | 6,343 |
| Net loans and leases to core deposits | 58.0305% | 6,558 |
| Total domestic deposits to total assets | 86.2579% | 3,225 |
| Equity capital to assets | 11.1692% | 2,537 |
| Core capital (leverage) ratio | 11.1290% | 2,066 |
| Tier 1 risk-based capital ratio | 17.4333% | 2,198 |
| Total risk-based capital ratio | 18.6927% | 2,163 |
| Memoranda: | ||
| Average total assets | $37,030,200 | 6,972 |
| Average earning assets | $30,881,200 | 7,057 |
| Average equity | $4,330,600 | 6,881 |
| Average total loans | $19,538,000 | 6,951 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3246% | 3,234 |
| Cost of funding earning assets | 1.1426% | 5,188 |
| Net interest margin | 4.1821% | 2,284 |
| Noninterest income to average assets | 0.3749% | 5,153 |
| Noninterest expense to average assets | 3.1850% | 2,982 |
| Loan and lease loss provision to assets | 0.0218% | 6,840 |
| Net operating income to assets | 0.5824% | 3,948 |
| Return on assets (ROA) | 0.5824% | 4,106 |
| Pretax return on assets | 0.6188% | 4,535 |
| Return on Equity (ROE) | 4.9217% | 4,325 |
| Retained earnings to average equity (ytd only) | 3.0760% | 4,281 |
| Net charge-offs to loans | 0.0818% | 5,707 |
| Credit loss provision to net charge-offs | 50.0000% | 5,877 |
| Earnings coverage of net charge-offs (x) | 14.6663% | 1,495 |
| Efficiency ratio | 83.2540% | 1,925 |
| Assets per employee ($millions) | 2.5331% | 7,041 |
| Cash dividends to net income (ytd only)* | 37.5006% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2658% | 1,676 |
| Loan loss allowance to noncurrent loans | 97.9508% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.4663% | 4,252 |
| Noncurrent loans to loans | 2.3132% | 3,329 |
| Net loans and leases to total assets | 58.1395% | 5,241 |
| Net loans and leases to deposits | 68.6420% | 5,331 |
| Net loans and leases to core deposits | 69.9342% | 5,756 |
| Total domestic deposits to total assets | 84.6995% | 3,773 |
| Equity capital to assets | 12.5596% | 1,828 |
| Core capital (leverage) ratio | 11.8636% | 1,732 |
| Tier 1 risk-based capital ratio | 16.9273% | 2,365 |
| Total risk-based capital ratio | 18.1840% | 2,324 |
| Memoranda: | ||
| Average total assets | $36,629,500 | 7,073 |
| Average earning assets | $30,223,500 | 7,167 |
| Average equity | $4,334,500 | 6,966 |
| Average total loans | $19,554,500 | 7,045 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0310% | 4,796 |
| Cost of funding earning assets | 1.1853% | 5,207 |
| Net interest margin | 3.8457% | 3,687 |
| Noninterest income to average assets | 0.3728% | 5,155 |
| Noninterest expense to average assets | 3.0958% | 3,344 |
| Loan and lease loss provision to assets | 0.0324% | 6,623 |
| Net operating income to assets | 0.3782% | 4,859 |
| Return on assets (ROA) | 0.3782% | 5,021 |
| Pretax return on assets | 0.3998% | 5,224 |
| Return on Equity (ROE) | 3.2599% | 5,113 |
| Retained earnings to average equity (ytd only) | 2.3285% | 4,674 |
| Net charge-offs to loans | 0.1365% | 4,853 |
| Credit loss provision to net charge-offs | 46.1538% | 5,501 |
| Earnings coverage of net charge-offs (x) | 6.1538% | 2,517 |
| Efficiency ratio | 87.7489% | 1,535 |
| Assets per employee ($millions) | 2.6309% | 6,891 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3799% | 1,456 |
| Loan loss allowance to noncurrent loans | 116.0584% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 1.2027% | 4,732 |
| Noncurrent loans to loans | 2.0506% | 3,653 |
| Net loans and leases to total assets | 53.1208% | 6,099 |
| Net loans and leases to deposits | 62.2012% | 6,215 |
| Net loans and leases to core deposits | 63.3183% | 6,460 |
| Total domestic deposits to total assets | 85.4017% | 3,419 |
| Equity capital to assets | 12.0083% | 2,090 |
| Core capital (leverage) ratio | 11.3067% | 2,032 |
| Tier 1 risk-based capital ratio | 18.1386% | 1,929 |
| Total risk-based capital ratio | 18.9343% | 2,013 |
| Memoranda: | ||
| Average total assets | $37,018,330 | 7,111 |
| Average earning assets | $30,371,670 | 7,213 |
| Average equity | $4,294,670 | 7,015 |
| Average total loans | $19,040,670 | 7,121 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 6,137 |
| Cost of funding earning assets | 1.2060% | 5,372 |
| Net interest margin | 3.5261% | 5,053 |
| Noninterest income to average assets | 0.3772% | 5,120 |
| Noninterest expense to average assets | 3.0503% | 3,476 |
| Loan and lease loss provision to assets | 0.0647% | 5,991 |
| Net operating income to assets | 0.1401% | 5,887 |
| Return on assets (ROA) | 0.1401% | 6,016 |
| Pretax return on assets | 0.1617% | 5,991 |
| Return on Equity (ROE) | 1.2292% | 6,050 |
| Retained earnings to average equity (ytd only) | -0.6619% | 5,982 |
| Net charge-offs to loans | 0.2589% | 3,380 |
| Credit loss provision to net charge-offs | 50.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 3,682 |
| Efficiency ratio | 93.0921% | 1,194 |
| Assets per employee ($millions) | 2.5996% | 7,037 |
| Cash dividends to net income (ytd only)* | 153.8462% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6048% | 1,171 |
| Loan loss allowance to noncurrent loans | 117.4447% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 1.2062% | 4,761 |
| Noncurrent loans to loans | 2.2179% | 3,503 |
| Net loans and leases to total assets | 49.1084% | 6,563 |
| Net loans and leases to deposits | 57.2522% | 6,675 |
| Net loans and leases to core deposits | 58.2885% | 6,862 |
| Total domestic deposits to total assets | 85.7755% | 3,273 |
| Equity capital to assets | 11.6664% | 2,251 |
| Core capital (leverage) ratio | 11.0467% | 2,203 |
| Tier 1 risk-based capital ratio | 18.7667% | 1,778 |
| Total risk-based capital ratio | 19.6703% | 1,819 |
| Memoranda: | ||
| Average total assets | $37,111,000 | 7,195 |
| Average earning assets | $30,515,000 | 7,299 |
| Average equity | $4,230,500 | 7,104 |
| Average total loans | $18,539,500 | 7,237 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8458% | 2,455 |
| Cost of funding earning assets | 1.3922% | 5,963 |
| Net interest margin | 4.4537% | 1,285 |
| Noninterest income to average assets | 0.4228% | 5,032 |
| Noninterest expense to average assets | 3.2845% | 3,065 |
| Loan and lease loss provision to assets | 0.3192% | 4,906 |
| Net operating income to assets | 0.6188% | 3,261 |
| Return on assets (ROA) | 0.6188% | 3,330 |
| Pretax return on assets | 0.6440% | 3,767 |
| Return on Equity (ROE) | 5.2385% | 3,567 |
| Retained earnings to average equity (ytd only) | 1.4459% | 4,054 |
| Net charge-offs to loans | -0.0104% | 7,750 |
| Credit loss provision to net charge-offs | -5,700.0000% | 7,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4008% | 3,458 |
| Assets per employee ($millions) | 2.7019% | 6,851 |
| Cash dividends to net income (ytd only)* | 72.3982% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5844% | 1,133 |
| Loan loss allowance to noncurrent loans | 111.7783% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 4,641 |
| Noncurrent loans to loans | 2.3120% | 3,276 |
| Net loans and leases to total assets | 48.2301% | 6,793 |
| Net loans and leases to deposits | 55.7989% | 6,932 |
| Net loans and leases to core deposits | 63.9176% | 7,092 |
| Total domestic deposits to total assets | 86.4356% | 2,799 |
| Equity capital to assets | 11.1428% | 2,589 |
| Core capital (leverage) ratio | 11.3026% | 2,038 |
| Tier 1 risk-based capital ratio | 18.2697% | 1,824 |
| Total risk-based capital ratio | 19.5277% | 1,771 |
| Memoranda: | ||
| Average total assets | $35,713,200 | 7,256 |
| Average earning assets | $30,671,400 | 7,328 |
| Average equity | $4,218,800 | 7,202 |
| Average total loans | $19,147,600 | 7,248 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8930% | 2,482 |
| Cost of funding earning assets | 1.4265% | 6,133 |
| Net interest margin | 4.4665% | 1,276 |
| Noninterest income to average assets | 0.4434% | 4,948 |
| Noninterest expense to average assets | 3.3006% | 2,920 |
| Loan and lease loss provision to assets | 0.4093% | 3,868 |
| Net operating income to assets | 0.5760% | 3,702 |
| Return on assets (ROA) | 0.5760% | 3,770 |
| Pretax return on assets | 0.6252% | 4,107 |
| Return on Equity (ROE) | 4.8027% | 4,044 |
| Retained earnings to average equity (ytd only) | 2.2750% | 4,058 |
| Net charge-offs to loans | -0.0139% | 7,721 |
| Credit loss provision to net charge-offs | -5,400.0000% | 7,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1748% | 3,663 |
| Assets per employee ($millions) | 2.5199% | 7,202 |
| Cash dividends to net income (ytd only)* | 52.6300% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3812% | 1,194 |
| Loan loss allowance to noncurrent loans | 322.9730% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 6,189 |
| Noncurrent loans to loans | 0.7373% | 5,839 |
| Net loans and leases to total assets | 55.5458% | 6,192 |
| Net loans and leases to deposits | 65.1809% | 6,384 |
| Net loans and leases to core deposits | 75.8976% | 6,621 |
| Total domestic deposits to total assets | 85.2178% | 3,118 |
| Equity capital to assets | 12.2282% | 2,106 |
| Core capital (leverage) ratio | 11.7069% | 1,965 |
| Tier 1 risk-based capital ratio | 18.2579% | 1,921 |
| Total risk-based capital ratio | 19.0990% | 1,983 |
| Memoranda: | ||
| Average total assets | $35,184,750 | 7,327 |
| Average earning assets | $30,657,000 | 7,391 |
| Average equity | $4,219,750 | 7,274 |
| Average total loans | $19,252,500 | 7,305 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9006% | 2,577 |
| Cost of funding earning assets | 1.4524% | 6,320 |
| Net interest margin | 4.4483% | 1,296 |
| Noninterest income to average assets | 0.4153% | 5,160 |
| Noninterest expense to average assets | 3.3340% | 2,841 |
| Loan and lease loss provision to assets | 0.0114% | 7,100 |
| Net operating income to assets | 0.8989% | 2,465 |
| Return on assets (ROA) | 0.8989% | 2,569 |
| Pretax return on assets | 0.9558% | 3,160 |
| Return on Equity (ROE) | 7.5448% | 2,949 |
| Retained earnings to average equity (ytd only) | 3.7246% | 3,222 |
| Net charge-offs to loans | -0.0211% | 7,707 |
| Credit loss provision to net charge-offs | -100.0000% | 6,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5873% | 3,584 |
| Assets per employee ($millions) | 2.5271% | 7,202 |
| Cash dividends to net income (ytd only)* | 50.6329% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9191% | 1,745 |
| Loan loss allowance to noncurrent loans | 82.4834% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.2747% | 4,389 |
| Noncurrent loans to loans | 2.3267% | 3,108 |
| Net loans and leases to total assets | 53.7366% | 6,490 |
| Net loans and leases to deposits | 62.7583% | 6,684 |
| Net loans and leases to core deposits | 73.0556% | 6,840 |
| Total domestic deposits to total assets | 85.6246% | 2,951 |
| Equity capital to assets | 11.8231% | 2,311 |
| Core capital (leverage) ratio | 11.6241% | 2,026 |
| Tier 1 risk-based capital ratio | 18.4697% | 1,879 |
| Total risk-based capital ratio | 19.7256% | 1,835 |
| Memoranda: | ||
| Average total assets | $35,153,330 | 7,399 |
| Average earning assets | $30,708,670 | 7,447 |
| Average equity | $4,188,330 | 7,345 |
| Average total loans | $18,978,670 | 7,395 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0547% | 2,129 |
| Cost of funding earning assets | 1.4714% | 6,497 |
| Net interest margin | 4.5833% | 968 |
| Noninterest income to average assets | 0.3653% | 5,514 |
| Noninterest expense to average assets | 3.1393% | 3,234 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1758% | 1,724 |
| Return on assets (ROA) | 1.1758% | 1,833 |
| Pretax return on assets | 1.2443% | 2,469 |
| Return on Equity (ROE) | 9.8306% | 2,383 |
| Retained earnings to average equity (ytd only) | 6.0129% | 2,620 |
| Net charge-offs to loans | -0.0213% | 7,457 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5729% | 4,459 |
| Assets per employee ($millions) | 2.5224% | 7,236 |
| Cash dividends to net income (ytd only)* | 38.8350% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9918% | 1,439 |
| Loan loss allowance to noncurrent loans | 87.4408% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.1950% | 4,281 |
| Noncurrent loans to loans | 2.2779% | 2,888 |
| Net loans and leases to total assets | 51.4159% | 6,741 |
| Net loans and leases to deposits | 59.9696% | 6,898 |
| Net loans and leases to core deposits | 69.5271% | 7,051 |
| Total domestic deposits to total assets | 85.7365% | 2,858 |
| Equity capital to assets | 11.8112% | 2,374 |
| Core capital (leverage) ratio | 11.8761% | 1,957 |
| Tier 1 risk-based capital ratio | 18.6039% | 1,904 |
| Total risk-based capital ratio | 19.8604% | 1,856 |
| Memoranda: | ||
| Average total assets | $35,040,000 | 7,446 |
| Average earning assets | $30,720,000 | 7,489 |
| Average equity | $4,191,000 | 7,386 |
| Average total loans | $18,776,000 | 7,452 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4358% | 3,248 |
| Cost of funding earning assets | 1.9013% | 6,722 |
| Net interest margin | 4.5345% | 1,341 |
| Noninterest income to average assets | 0.4414% | 5,103 |
| Noninterest expense to average assets | 3.2193% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1300% | 2,029 |
| Return on assets (ROA) | 1.1300% | 1,949 |
| Pretax return on assets | 1.2153% | 2,594 |
| Return on Equity (ROE) | 9.3172% | 2,517 |
| Retained earnings to average equity (ytd only) | 2.2808% | 3,789 |
| Net charge-offs to loans | -0.1429% | 8,134 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6656% | 4,004 |
| Assets per employee ($millions) | 2.4833% | 7,230 |
| Cash dividends to net income (ytd only)* | 75.5208% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9342% | 1,353 |
| Loan loss allowance to noncurrent loans | 471.7949% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 6,676 |
| Noncurrent loans to loans | 0.4100% | 6,111 |
| Net loans and leases to total assets | 53.6674% | 6,689 |
| Net loans and leases to deposits | 63.8994% | 6,806 |
| Net loans and leases to core deposits | 70.5540% | 7,158 |
| Total domestic deposits to total assets | 83.9872% | 3,325 |
| Equity capital to assets | 12.1124% | 2,219 |
| Core capital (leverage) ratio | 11.8934% | 2,029 |
| Tier 1 risk-based capital ratio | 17.8560% | 2,077 |
| Total risk-based capital ratio | 19.1092% | 2,011 |
| Memoranda: | ||
| Average total assets | $33,982,800 | 7,459 |
| Average earning assets | $29,926,200 | 7,514 |
| Average equity | $4,121,400 | 7,465 |
| Average total loans | $18,193,000 | 7,449 |