Home > Paragon Bank > Performance and Condition Ratios
Paragon Bank, Performance and Condition Ratios
| 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 | 5.0134% | 576 |
| Cost of funding earning assets | 0.3175% | 3,929 |
| Net interest margin | 4.6959% | 423 |
| Noninterest income to average assets | 0.3012% | 4,635 |
| Noninterest expense to average assets | 3.2847% | 1,623 |
| Loan and lease loss provision to assets | 0.0700% | 2,738 |
| Net operating income to assets | 0.9105% | 2,812 |
| Return on assets (ROA) | 0.9105% | 2,945 |
| Pretax return on assets | 1.4007% | 2,026 |
| Return on Equity (ROE) | 8.4489% | 2,772 |
| Retained earnings to average equity (ytd only) | -0.1300% | 5,313 |
| Net charge-offs to loans | 0.2404% | 983 |
| Credit loss provision to net charge-offs | 37.0370% | 2,800 |
| Earnings coverage of net charge-offs (x) | 7.7778% | 2,593 |
| Efficiency ratio | 69.0722% | 3,137 |
| Assets per employee ($millions) | 3.0706% | 5,354 |
| Cash dividends to net income (ytd only)* | 101.5385% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 3,914 |
| Loan loss allowance to noncurrent loans | 338.5714% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 3,608 |
| Noncurrent loans to loans | 0.3266% | 4,196 |
| Net loans and leases to total assets | 76.6890% | 1,388 |
| Net loans and leases to deposits | 88.5329% | 1,916 |
| Net loans and leases to core deposits | 88.5329% | 2,677 |
| Total domestic deposits to total assets | 86.6220% | 2,099 |
| Equity capital to assets | 11.2719% | 2,773 |
| Core capital (leverage) ratio | 11.0866% | 2,338 |
| Tier 1 risk-based capital ratio | 14.4897% | 3,326 |
| Total risk-based capital ratio | 15.5921% | 3,334 |
| Memoranda: | ||
| Average total assets | $28,556,670 | 5,868 |
| Average earning assets | $27,087,670 | 5,840 |
| Average equity | $3,077,330 | 5,885 |
| Average total loans | $22,467,000 | 5,550 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0540% | 527 |
| Cost of funding earning assets | 0.3204% | 3,940 |
| Net interest margin | 4.7336% | 404 |
| Noninterest income to average assets | 0.3860% | 3,941 |
| Noninterest expense to average assets | 3.5978% | 1,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7995% | 3,253 |
| Return on assets (ROA) | 0.7995% | 3,366 |
| Pretax return on assets | 1.2682% | 2,429 |
| Return on Equity (ROE) | 7.5854% | 3,137 |
| Retained earnings to average equity (ytd only) | -9.6779% | 5,795 |
| Net charge-offs to loans | -0.1566% | 5,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9377% | 2,485 |
| Assets per employee ($millions) | 2.6105% | 5,784 |
| Cash dividends to net income (ytd only)* | 227.5862% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 3,672 |
| Loan loss allowance to noncurrent loans | 19.1304% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 5.1576% | 157 |
| Noncurrent loans to loans | 6.1097% | 139 |
| Net loans and leases to total assets | 77.7399% | 1,136 |
| Net loans and leases to deposits | 87.0462% | 1,940 |
| Net loans and leases to core deposits | 92.4539% | 2,144 |
| Total domestic deposits to total assets | 89.3087% | 939 |
| Equity capital to assets | 10.5485% | 3,433 |
| Core capital (leverage) ratio | 10.4037% | 3,068 |
| Tier 1 risk-based capital ratio | 13.6989% | 3,867 |
| Total risk-based capital ratio | 14.8932% | 3,833 |
| Memoranda: | ||
| Average total assets | $29,017,500 | 5,920 |
| Average earning assets | $27,463,500 | 5,889 |
| Average equity | $3,058,500 | 5,940 |
| Average total loans | $22,985,500 | 5,586 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9360% | 712 |
| Cost of funding earning assets | 0.2773% | 4,508 |
| Net interest margin | 4.6587% | 488 |
| Noninterest income to average assets | 0.5057% | 3,285 |
| Noninterest expense to average assets | 3.7619% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0307% | 2,209 |
| Return on assets (ROA) | 1.0307% | 2,296 |
| Pretax return on assets | 1.1273% | 2,935 |
| Return on Equity (ROE) | 10.9126% | 1,643 |
| Retained earnings to average equity (ytd only) | 8.5254% | 768 |
| Net charge-offs to loans | 0.3257% | 919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 4.5455% | 3,535 |
| Efficiency ratio | 76.9433% | 2,123 |
| Assets per employee ($millions) | 2.6655% | 5,799 |
| Cash dividends to net income (ytd only)* | 21.8750% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 4,095 |
| Loan loss allowance to noncurrent loans | 217.9487% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.8117% | 2,643 |
| Noncurrent loans to loans | 0.5003% | 3,687 |
| Net loans and leases to total assets | 78.8847% | 1,009 |
| Net loans and leases to deposits | 88.3056% | 1,838 |
| Net loans and leases to core deposits | 93.6700% | 2,076 |
| Total domestic deposits to total assets | 89.3315% | 942 |
| Equity capital to assets | 10.5321% | 3,322 |
| Core capital (leverage) ratio | 10.4554% | 2,980 |
| Tier 1 risk-based capital ratio | 14.7652% | 3,295 |
| Total risk-based capital ratio | 15.9845% | 3,241 |
| Memoranda: | ||
| Average total assets | $31,048,000 | 5,941 |
| Average earning assets | $29,214,200 | 5,916 |
| Average equity | $2,932,400 | 6,013 |
| Average total loans | $23,640,200 | 5,601 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 745 |
| Cost of funding earning assets | 0.2655% | 4,721 |
| Net interest margin | 4.6492% | 499 |
| Noninterest income to average assets | 0.5845% | 2,825 |
| Noninterest expense to average assets | 3.7737% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8047% | 3,407 |
| Return on assets (ROA) | 0.8047% | 3,501 |
| Pretax return on assets | 1.1859% | 2,869 |
| Return on Equity (ROE) | 8.7551% | 2,701 |
| Retained earnings to average equity (ytd only) | 5.5296% | 2,560 |
| Net charge-offs to loans | 0.1463% | 1,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.7678% | 2,567 |
| Efficiency ratio | 76.0888% | 2,231 |
| Assets per employee ($millions) | 2.6151% | 5,897 |
| Cash dividends to net income (ytd only)* | 36.8413% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 2,875 |
| Loan loss allowance to noncurrent loans | 135.3982% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0429% | 2,269 |
| Noncurrent loans to loans | 0.9948% | 2,497 |
| Net loans and leases to total assets | 77.9114% | 1,111 |
| Net loans and leases to deposits | 87.6530% | 1,950 |
| Net loans and leases to core deposits | 94.1009% | 2,066 |
| Total domestic deposits to total assets | 88.8862% | 1,084 |
| Equity capital to assets | 10.3143% | 3,795 |
| Core capital (leverage) ratio | 10.0558% | 3,551 |
| Tier 1 risk-based capital ratio | 15.2270% | 3,178 |
| Total risk-based capital ratio | 16.4779% | 3,114 |
| Memoranda: | ||
| Average total assets | $31,480,000 | 6,016 |
| Average earning assets | $29,624,500 | 5,985 |
| Average equity | $2,893,500 | 6,098 |
| Average total loans | $23,704,250 | 5,662 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 795 |
| Cost of funding earning assets | 0.2433% | 5,019 |
| Net interest margin | 4.6166% | 523 |
| Noninterest income to average assets | 0.7658% | 1,925 |
| Noninterest expense to average assets | 3.9340% | 736 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6917% | 3,930 |
| Return on assets (ROA) | 0.6917% | 4,039 |
| Pretax return on assets | 1.1672% | 2,909 |
| Return on Equity (ROE) | 7.8076% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.4134% | 1,992 |
| Net charge-offs to loans | -0.0166% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1186% | 2,185 |
| Assets per employee ($millions) | 2.7618% | 5,855 |
| Cash dividends to net income (ytd only)* | 17.8571% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 2,641 |
| Loan loss allowance to noncurrent loans | 379.5455% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 3,836 |
| Noncurrent loans to loans | 0.3754% | 4,361 |
| Net loans and leases to total assets | 76.0698% | 1,360 |
| Net loans and leases to deposits | 84.4355% | 2,260 |
| Net loans and leases to core deposits | 90.2065% | 2,328 |
| Total domestic deposits to total assets | 90.0922% | 618 |
| Equity capital to assets | 9.6116% | 4,515 |
| Core capital (leverage) ratio | 8.8927% | 5,105 |
| Tier 1 risk-based capital ratio | 14.6868% | 3,536 |
| Total risk-based capital ratio | 15.9386% | 3,464 |
| Memoranda: | ||
| Average total assets | $32,384,670 | 6,070 |
| Average earning assets | $30,411,670 | 6,040 |
| Average equity | $2,869,000 | 6,163 |
| Average total loans | $24,033,000 | 5,708 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8312% | 804 |
| Cost of funding earning assets | 0.1922% | 5,579 |
| Net interest margin | 4.6390% | 457 |
| Noninterest income to average assets | 0.2516% | 5,161 |
| Noninterest expense to average assets | 4.0135% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3594% | 5,225 |
| Return on assets (ROA) | 0.3594% | 5,340 |
| Pretax return on assets | 0.5751% | 4,982 |
| Return on Equity (ROE) | 4.2202% | 4,884 |
| Retained earnings to average equity (ytd only) | 1.4067% | 4,924 |
| Net charge-offs to loans | 0.1151% | 1,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.8571% | 2,240 |
| Efficiency ratio | 87.4674% | 1,058 |
| Assets per employee ($millions) | 2.5822% | 6,053 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 3,087 |
| Loan loss allowance to noncurrent loans | 22.2603% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 5.2908% | 220 |
| Noncurrent loans to loans | 6.1213% | 176 |
| Net loans and leases to total assets | 70.0846% | 2,131 |
| Net loans and leases to deposits | 76.6844% | 2,971 |
| Net loans and leases to core deposits | 80.6265% | 3,090 |
| Total domestic deposits to total assets | 91.3936% | 253 |
| Equity capital to assets | 8.5051% | 5,738 |
| Core capital (leverage) ratio | 8.5486% | 5,474 |
| Tier 1 risk-based capital ratio | 13.3934% | 4,375 |
| Total risk-based capital ratio | 14.6445% | 4,293 |
| Memoranda: | ||
| Average total assets | $33,387,000 | 6,115 |
| Average earning assets | $31,213,500 | 6,085 |
| Average equity | $2,843,500 | 6,228 |
| Average total loans | $24,327,500 | 5,738 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 707 |
| Cost of funding earning assets | 0.2762% | 5,039 |
| Net interest margin | 4.7724% | 450 |
| Noninterest income to average assets | 0.3664% | 4,464 |
| Noninterest expense to average assets | 3.8998% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6086% | 4,328 |
| Return on assets (ROA) | 0.6086% | 4,430 |
| Pretax return on assets | 0.9191% | 3,831 |
| Return on Equity (ROE) | 7.1816% | 3,534 |
| Retained earnings to average equity (ytd only) | 4.3603% | 3,077 |
| Net charge-offs to loans | 0.4279% | 991 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.8190% | 4,055 |
| Efficiency ratio | 80.9278% | 1,779 |
| Assets per employee ($millions) | 3.3206% | 5,229 |
| Cash dividends to net income (ytd only)* | 39.2857% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 3,240 |
| Loan loss allowance to noncurrent loans | 128.6822% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.4064% | 1,977 |
| Noncurrent loans to loans | 1.0402% | 2,743 |
| Net loans and leases to total assets | 73.6975% | 1,638 |
| Net loans and leases to deposits | 80.6991% | 2,640 |
| Net loans and leases to core deposits | 84.8985% | 2,790 |
| Total domestic deposits to total assets | 91.3239% | 268 |
| Equity capital to assets | 8.5286% | 5,724 |
| Core capital (leverage) ratio | 8.8121% | 5,229 |
| Tier 1 risk-based capital ratio | 12.2137% | 5,216 |
| Total risk-based capital ratio | 13.4638% | 5,132 |
| Memoranda: | ||
| Average total assets | $32,207,000 | 6,213 |
| Average earning assets | $30,047,800 | 6,181 |
| Average equity | $2,729,200 | 6,317 |
| Average total loans | $24,538,200 | 5,799 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1217% | 612 |
| Cost of funding earning assets | 0.2813% | 5,082 |
| Net interest margin | 4.8404% | 392 |
| Noninterest income to average assets | 0.4131% | 4,153 |
| Noninterest expense to average assets | 3.8217% | 942 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6634% | 4,138 |
| Return on assets (ROA) | 0.6634% | 4,242 |
| Pretax return on assets | 1.1140% | 3,134 |
| Return on Equity (ROE) | 7.8413% | 3,293 |
| Retained earnings to average equity (ytd only) | 4.0440% | 3,772 |
| Net charge-offs to loans | 0.4032% | 981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.6083% | 3,627 |
| Efficiency ratio | 77.4303% | 2,280 |
| Assets per employee ($millions) | 3.1688% | 5,490 |
| Cash dividends to net income (ytd only)* | 48.4268% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 2,768 |
| Loan loss allowance to noncurrent loans | 90.0744% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.7136% | 1,753 |
| Noncurrent loans to loans | 1.6544% | 1,972 |
| Net loans and leases to total assets | 75.7290% | 1,258 |
| Net loans and leases to deposits | 90.1093% | 1,417 |
| Net loans and leases to core deposits | 90.1093% | 2,211 |
| Total domestic deposits to total assets | 84.0413% | 3,741 |
| Equity capital to assets | 8.7604% | 5,584 |
| Core capital (leverage) ratio | 8.9337% | 5,149 |
| Tier 1 risk-based capital ratio | 12.5384% | 5,147 |
| Total risk-based capital ratio | 13.7940% | 5,077 |
| Memoranda: | ||
| Average total assets | $31,957,250 | 6,292 |
| Average earning assets | $29,859,250 | 6,258 |
| Average equity | $2,703,500 | 6,390 |
| Average total loans | $24,471,750 | 5,862 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1498% | 554 |
| Cost of funding earning assets | 0.2805% | 5,171 |
| Net interest margin | 4.8693% | 364 |
| Noninterest income to average assets | 0.4618% | 3,773 |
| Noninterest expense to average assets | 3.7507% | 1,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7489% | 3,574 |
| Return on assets (ROA) | 0.7489% | 3,680 |
| Pretax return on assets | 1.2606% | 2,408 |
| Return on Equity (ROE) | 8.9575% | 2,617 |
| Retained earnings to average equity (ytd only) | 3.2098% | 4,158 |
| Net charge-offs to loans | -0.0734% | 6,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8443% | 2,832 |
| Assets per employee ($millions) | 3.1871% | 5,446 |
| Cash dividends to net income (ytd only)* | 64.1667% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 1,778 |
| Loan loss allowance to noncurrent loans | 94.2918% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.9265% | 1,678 |
| Noncurrent loans to loans | 1.9353% | 1,757 |
| Net loans and leases to total assets | 75.2879% | 1,269 |
| Net loans and leases to deposits | 84.0014% | 2,039 |
| Net loans and leases to core deposits | 84.0014% | 2,734 |
| Total domestic deposits to total assets | 89.6269% | 1,003 |
| Equity capital to assets | 8.5940% | 5,721 |
| Core capital (leverage) ratio | 8.6248% | 5,504 |
| Tier 1 risk-based capital ratio | 12.4490% | 5,262 |
| Total risk-based capital ratio | 13.7087% | 5,177 |
| Memoranda: | ||
| Average total assets | $32,047,000 | 6,349 |
| Average earning assets | $29,943,000 | 6,319 |
| Average equity | $2,679,330 | 6,449 |
| Average total loans | $24,509,000 | 5,907 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1534% | 532 |
| Cost of funding earning assets | 0.2804% | 5,282 |
| Net interest margin | 4.8730% | 337 |
| Noninterest income to average assets | 0.3983% | 4,201 |
| Noninterest expense to average assets | 3.7965% | 986 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6846% | 3,759 |
| Return on assets (ROA) | 0.6846% | 3,837 |
| Pretax return on assets | 1.1452% | 2,715 |
| Return on Equity (ROE) | 8.3035% | 2,795 |
| Retained earnings to average equity (ytd only) | -3.4724% | 6,010 |
| Net charge-offs to loans | -0.0978% | 6,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8262% | 2,669 |
| Assets per employee ($millions) | 3.1924% | 5,539 |
| Cash dividends to net income (ytd only)* | 141.8182% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8360% | 1,943 |
| Loan loss allowance to noncurrent loans | 16.4135% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 9.0809% | 131 |
| Noncurrent loans to loans | 11.1857% | 80 |
| Net loans and leases to total assets | 74.1950% | 1,238 |
| Net loans and leases to deposits | 81.7097% | 2,078 |
| Net loans and leases to core deposits | 81.7097% | 2,765 |
| Total domestic deposits to total assets | 90.8032% | 641 |
| Equity capital to assets | 8.2978% | 5,828 |
| Core capital (leverage) ratio | 8.5398% | 5,594 |
| Tier 1 risk-based capital ratio | 12.7492% | 5,163 |
| Total risk-based capital ratio | 14.0090% | 5,091 |
| Memoranda: | ||
| Average total assets | $32,135,000 | 6,413 |
| Average earning assets | $29,961,000 | 6,382 |
| Average equity | $2,649,500 | 6,511 |
| Average total loans | $24,543,000 | 5,960 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 907 |
| Cost of funding earning assets | 0.3261% | 5,371 |
| Net interest margin | 4.6834% | 527 |
| Noninterest income to average assets | 0.4239% | 4,274 |
| Noninterest expense to average assets | 3.9070% | 981 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6263% | 4,126 |
| Return on assets (ROA) | 0.6481% | 4,150 |
| Pretax return on assets | 0.9153% | 3,698 |
| Return on Equity (ROE) | 8.2044% | 2,922 |
| Retained earnings to average equity (ytd only) | 8.2044% | 988 |
| Net charge-offs to loans | 0.1421% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.4706% | 2,664 |
| Efficiency ratio | 81.5385% | 1,940 |
| Assets per employee ($millions) | 3.2346% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 2,231 |
| Loan loss allowance to noncurrent loans | 652.2388% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 3,825 |
| Noncurrent loans to loans | 0.2685% | 5,379 |
| Net loans and leases to total assets | 75.8054% | 1,106 |
| Net loans and leases to deposits | 84.5634% | 1,858 |
| Net loans and leases to core deposits | 84.5634% | 2,603 |
| Total domestic deposits to total assets | 89.6432% | 1,250 |
| Equity capital to assets | 8.1927% | 5,881 |
| Core capital (leverage) ratio | 8.5491% | 5,611 |
| Tier 1 risk-based capital ratio | 12.2475% | 5,459 |
| Total risk-based capital ratio | 13.5062% | 5,385 |
| Memoranda: | ||
| Average total assets | $32,556,600 | 6,470 |
| Average earning assets | $30,362,600 | 6,443 |
| Average equity | $2,571,800 | 6,612 |
| Average total loans | $23,925,600 | 6,036 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0238% | 897 |
| Cost of funding earning assets | 0.3422% | 5,364 |
| Net interest margin | 4.6815% | 532 |
| Noninterest income to average assets | 0.4579% | 4,096 |
| Noninterest expense to average assets | 4.0397% | 813 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4767% | 4,904 |
| Return on assets (ROA) | 0.5029% | 4,943 |
| Pretax return on assets | 0.8219% | 4,216 |
| Return on Equity (ROE) | 6.4257% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.4257% | 2,171 |
| Net charge-offs to loans | 0.1577% | 2,975 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.8219% | 2,899 |
| Efficiency ratio | 83.7998% | 1,628 |
| Assets per employee ($millions) | 3.1620% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 1,971 |
| Loan loss allowance to noncurrent loans | 395.5357% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.9361% | 3,801 |
| Noncurrent loans to loans | 0.4831% | 4,992 |
| Net loans and leases to total assets | 71.9165% | 1,607 |
| Net loans and leases to deposits | 78.4463% | 2,594 |
| Net loans and leases to core deposits | 78.4463% | 3,304 |
| Total domestic deposits to total assets | 91.6762% | 322 |
| Equity capital to assets | 8.1531% | 6,042 |
| Core capital (leverage) ratio | 8.3121% | 5,961 |
| Tier 1 risk-based capital ratio | 12.2370% | 5,613 |
| Total risk-based capital ratio | 13.4949% | 5,546 |
| Memoranda: | ||
| Average total assets | $32,609,250 | 6,544 |
| Average earning assets | $30,388,250 | 6,510 |
| Average equity | $2,552,250 | 6,693 |
| Average total loans | $23,667,750 | 6,107 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0291% | 872 |
| Cost of funding earning assets | 0.3457% | 5,450 |
| Net interest margin | 4.6834% | 523 |
| Noninterest income to average assets | 0.5404% | 3,568 |
| Noninterest expense to average assets | 3.9588% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5623% | 4,489 |
| Return on assets (ROA) | 0.6011% | 4,452 |
| Pretax return on assets | 1.0019% | 3,504 |
| Return on Equity (ROE) | 7.7840% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.7840% | 1,571 |
| Net charge-offs to loans | 0.2182% | 2,442 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.9615% | 2,798 |
| Efficiency ratio | 80.7931% | 2,048 |
| Assets per employee ($millions) | 2.4648% | 6,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 2,209 |
| Loan loss allowance to noncurrent loans | 383.6207% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.9362% | 3,916 |
| Noncurrent loans to loans | 0.4866% | 5,046 |
| Net loans and leases to total assets | 73.0144% | 1,399 |
| Net loans and leases to deposits | 83.1089% | 1,912 |
| Net loans and leases to core deposits | 83.1089% | 2,683 |
| Total domestic deposits to total assets | 87.8538% | 2,351 |
| Equity capital to assets | 7.9175% | 6,254 |
| Core capital (leverage) ratio | 7.9205% | 6,240 |
| Tier 1 risk-based capital ratio | 11.7484% | 5,955 |
| Total risk-based capital ratio | 13.0074% | 5,906 |
| Memoranda: | ||
| Average total assets | $32,939,000 | 6,581 |
| Average earning assets | $30,661,330 | 6,547 |
| Average equity | $2,543,670 | 6,742 |
| Average total loans | $23,829,330 | 6,137 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8126% | 1,258 |
| Cost of funding earning assets | 0.3474% | 5,559 |
| Net interest margin | 4.4652% | 718 |
| Noninterest income to average assets | 0.7188% | 2,489 |
| Noninterest expense to average assets | 3.8818% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6077% | 4,176 |
| Return on assets (ROA) | 0.6230% | 4,263 |
| Pretax return on assets | 1.0184% | 3,271 |
| Return on Equity (ROE) | 8.1665% | 2,891 |
| Retained earnings to average equity (ytd only) | 8.1665% | 1,691 |
| Net charge-offs to loans | 0.5037% | 1,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.7667% | 2,944 |
| Efficiency ratio | 79.6069% | 2,388 |
| Assets per employee ($millions) | 2.3514% | 6,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9329% | 2,215 |
| Loan loss allowance to noncurrent loans | 168.9655% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 1.5614% | 2,923 |
| Noncurrent loans to loans | 1.1440% | 3,869 |
| Net loans and leases to total assets | 67.9648% | 2,015 |
| Net loans and leases to deposits | 74.1426% | 2,898 |
| Net loans and leases to core deposits | 74.1426% | 3,558 |
| Total domestic deposits to total assets | 91.6677% | 315 |
| Equity capital to assets | 7.7916% | 6,474 |
| Core capital (leverage) ratio | 7.6861% | 6,364 |
| Tier 1 risk-based capital ratio | 10.3905% | 6,609 |
| Total risk-based capital ratio | 11.6463% | 6,592 |
| Memoranda: | ||
| Average total assets | $33,387,000 | 6,634 |
| Average earning assets | $31,085,000 | 6,598 |
| Average equity | $2,547,000 | 6,802 |
| Average total loans | $23,823,500 | 6,188 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3307% | 873 |
| Cost of funding earning assets | 0.4559% | 5,536 |
| Net interest margin | 4.8748% | 471 |
| Noninterest income to average assets | 0.3789% | 4,760 |
| Noninterest expense to average assets | 4.0684% | 904 |
| Loan and lease loss provision to assets | 0.0482% | 5,219 |
| Net operating income to assets | 0.4436% | 4,907 |
| Return on assets (ROA) | 0.5073% | 4,917 |
| Pretax return on assets | 0.8252% | 4,203 |
| Return on Equity (ROE) | 6.1474% | 4,088 |
| Retained earnings to average equity (ytd only) | -1.0505% | 6,024 |
| Net charge-offs to loans | 0.1909% | 3,847 |
| Credit loss provision to net charge-offs | 34.8837% | 5,024 |
| Earnings coverage of net charge-offs (x) | 5.6047% | 2,996 |
| Efficiency ratio | 84.0186% | 1,634 |
| Assets per employee ($millions) | 2.4181% | 6,688 |
| Cash dividends to net income (ytd only)* | 117.0886% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8967% | 2,304 |
| Loan loss allowance to noncurrent loans | 172.5275% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 2.7678% | 1,738 |
| Noncurrent loans to loans | 1.0994% | 4,008 |
| Net loans and leases to total assets | 71.9590% | 1,497 |
| Net loans and leases to deposits | 79.2228% | 2,379 |
| Net loans and leases to core deposits | 79.2228% | 3,120 |
| Total domestic deposits to total assets | 90.8312% | 548 |
| Equity capital to assets | 7.4703% | 6,645 |
| Core capital (leverage) ratio | 7.8147% | 6,332 |
| Tier 1 risk-based capital ratio | 10.6274% | 6,505 |
| Total risk-based capital ratio | 11.8881% | 6,464 |
| Memoranda: | ||
| Average total assets | $31,142,400 | 6,730 |
| Average earning assets | $28,514,000 | 6,700 |
| Average equity | $2,570,200 | 6,866 |
| Average total loans | $22,522,200 | 6,322 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3561% | 910 |
| Cost of funding earning assets | 0.4691% | 5,650 |
| Net interest margin | 4.8871% | 487 |
| Noninterest income to average assets | 0.4026% | 4,616 |
| Noninterest expense to average assets | 3.9695% | 974 |
| Loan and lease loss provision to assets | 0.0657% | 4,878 |
| Net operating income to assets | 0.5320% | 4,697 |
| Return on assets (ROA) | 0.5909% | 4,700 |
| Pretax return on assets | 0.9278% | 4,000 |
| Return on Equity (ROE) | 6.9754% | 3,835 |
| Retained earnings to average equity (ytd only) | 2.5836% | 5,014 |
| Net charge-offs to loans | -0.0547% | 6,733 |
| Credit loss provision to net charge-offs | -166.6667% | 6,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4915% | 1,867 |
| Assets per employee ($millions) | 2.1611% | 6,936 |
| Cash dividends to net income (ytd only)* | 62.9611% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5150% | 1,193 |
| Loan loss allowance to noncurrent loans | 135.8442% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 3.4043% | 1,482 |
| Noncurrent loans to loans | 1.8514% | 3,015 |
| Net loans and leases to total assets | 67.0016% | 2,457 |
| Net loans and leases to deposits | 74.6007% | 3,204 |
| Net loans and leases to core deposits | 74.6007% | 3,899 |
| Total domestic deposits to total assets | 89.8136% | 942 |
| Equity capital to assets | 8.6627% | 6,132 |
| Core capital (leverage) ratio | 8.3446% | 5,952 |
| Tier 1 risk-based capital ratio | 12.7928% | 5,414 |
| Total risk-based capital ratio | 14.0573% | 5,363 |
| Memoranda: | ||
| Average total assets | $30,464,500 | 6,830 |
| Average earning assets | $27,855,250 | 6,806 |
| Average equity | $2,580,500 | 6,953 |
| Average total loans | $21,944,750 | 6,425 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3951% | 876 |
| Cost of funding earning assets | 0.4872% | 5,706 |
| Net interest margin | 4.9079% | 464 |
| Noninterest income to average assets | 0.4520% | 4,273 |
| Noninterest expense to average assets | 3.6222% | 1,535 |
| Loan and lease loss provision to assets | 0.0983% | 4,309 |
| Net operating income to assets | 0.7153% | 3,783 |
| Return on assets (ROA) | 0.7991% | 3,650 |
| Pretax return on assets | 1.3493% | 2,390 |
| Return on Equity (ROE) | 9.5053% | 2,571 |
| Retained earnings to average equity (ytd only) | 2.8827% | 4,710 |
| Net charge-offs to loans | -0.0269% | 6,498 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3422% | 3,183 |
| Assets per employee ($millions) | 2.5362% | 6,728 |
| Cash dividends to net income (ytd only)* | 69.6721% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3645% | 1,472 |
| Loan loss allowance to noncurrent loans | 132.5641% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 3.4501% | 1,551 |
| Noncurrent loans to loans | 1.7837% | 3,244 |
| Net loans and leases to total assets | 70.1452% | 1,892 |
| Net loans and leases to deposits | 78.0035% | 2,668 |
| Net loans and leases to core deposits | 78.0035% | 3,514 |
| Total domestic deposits to total assets | 89.9257% | 969 |
| Equity capital to assets | 8.5266% | 6,182 |
| Core capital (leverage) ratio | 8.5255% | 5,621 |
| Tier 1 risk-based capital ratio | 13.0750% | 5,132 |
| Total risk-based capital ratio | 14.3397% | 5,105 |
| Memoranda: | ||
| Average total assets | $30,534,000 | 6,879 |
| Average earning assets | $27,914,000 | 6,854 |
| Average equity | $2,567,000 | 7,000 |
| Average total loans | $22,328,000 | 6,446 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4535% | 828 |
| Cost of funding earning assets | 0.4854% | 5,902 |
| Net interest margin | 4.9681% | 420 |
| Noninterest income to average assets | 0.5885% | 3,307 |
| Noninterest expense to average assets | 3.6097% | 1,541 |
| Loan and lease loss provision to assets | 0.1962% | 2,983 |
| Net operating income to assets | 0.7743% | 3,510 |
| Return on assets (ROA) | 0.9417% | 2,945 |
| Pretax return on assets | 1.5956% | 1,593 |
| Return on Equity (ROE) | 11.2808% | 1,912 |
| Retained earnings to average equity (ytd only) | -2.0368% | 6,282 |
| Net charge-offs to loans | 0.0709% | 3,784 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 936 |
| Efficiency ratio | 70.2290% | 3,765 |
| Assets per employee ($millions) | 2.5103% | 6,840 |
| Cash dividends to net income (ytd only)* | 118.0556% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3410% | 1,602 |
| Loan loss allowance to noncurrent loans | 87.9310% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 4.1397% | 1,322 |
| Noncurrent loans to loans | 2.6623% | 2,446 |
| Net loans and leases to total assets | 70.6304% | 1,643 |
| Net loans and leases to deposits | 78.3791% | 2,435 |
| Net loans and leases to core deposits | 78.3791% | 3,276 |
| Total domestic deposits to total assets | 90.1139% | 1,022 |
| Equity capital to assets | 8.4221% | 6,154 |
| Core capital (leverage) ratio | 8.3600% | 5,794 |
| Tier 1 risk-based capital ratio | 12.7590% | 5,398 |
| Total risk-based capital ratio | 14.0213% | 5,366 |
| Memoranda: | ||
| Average total assets | $30,584,000 | 6,930 |
| Average earning assets | $28,018,500 | 6,905 |
| Average equity | $2,553,000 | 7,054 |
| Average total loans | $22,559,500 | 6,486 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 1,524 |
| Cost of funding earning assets | 0.6296% | 5,927 |
| Net interest margin | 4.7324% | 704 |
| Noninterest income to average assets | 0.1587% | 6,352 |
| Noninterest expense to average assets | 3.9108% | 1,167 |
| Loan and lease loss provision to assets | 0.2984% | 3,278 |
| Net operating income to assets | 0.2931% | 5,279 |
| Return on assets (ROA) | 0.3968% | 5,050 |
| Pretax return on assets | 0.4603% | 5,101 |
| Return on Equity (ROE) | 5.0346% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.0346% | 2,614 |
| Net charge-offs to loans | 0.9039% | 1,919 |
| Credit loss provision to net charge-offs | 47.0000% | 5,491 |
| Earnings coverage of net charge-offs (x) | 1.0050% | 5,037 |
| Efficiency ratio | 85.9735% | 1,568 |
| Assets per employee ($millions) | 2.3881% | 6,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1386% | 1,915 |
| Loan loss allowance to noncurrent loans | 140.5634% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 3.2920% | 1,811 |
| Noncurrent loans to loans | 1.5215% | 3,865 |
| Net loans and leases to total assets | 73.5513% | 1,348 |
| Net loans and leases to deposits | 81.2945% | 2,309 |
| Net loans and leases to core deposits | 81.2945% | 3,286 |
| Total domestic deposits to total assets | 90.4751% | 735 |
| Equity capital to assets | 8.2751% | 6,372 |
| Core capital (leverage) ratio | 8.3342% | 5,806 |
| Tier 1 risk-based capital ratio | 12.0642% | 5,789 |
| Total risk-based capital ratio | 13.3273% | 5,762 |
| Memoranda: | ||
| Average total assets | $31,502,200 | 6,931 |
| Average earning assets | $29,223,800 | 6,892 |
| Average equity | $2,482,800 | 7,125 |
| Average total loans | $22,126,800 | 6,550 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2981% | 1,864 |
| Cost of funding earning assets | 0.6657% | 5,959 |
| Net interest margin | 4.6325% | 889 |
| Noninterest income to average assets | 0.1054% | 6,723 |
| Noninterest expense to average assets | 3.8713% | 1,197 |
| Loan and lease loss provision to assets | 0.3585% | 2,714 |
| Net operating income to assets | 0.1554% | 5,816 |
| Return on assets (ROA) | 0.2867% | 5,614 |
| Pretax return on assets | 0.3500% | 5,599 |
| Return on Equity (ROE) | 3.6835% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.6835% | 4,125 |
| Net charge-offs to loans | 0.6231% | 2,380 |
| Credit loss provision to net charge-offs | 83.3333% | 4,023 |
| Earnings coverage of net charge-offs (x) | 1.2745% | 4,658 |
| Efficiency ratio | 87.5954% | 1,378 |
| Assets per employee ($millions) | 2.5822% | 6,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6259% | 1,235 |
| Loan loss allowance to noncurrent loans | 158.9189% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 3.2859% | 1,930 |
| Noncurrent loans to loans | 1.6524% | 3,818 |
| Net loans and leases to total assets | 64.9547% | 3,117 |
| Net loans and leases to deposits | 71.1155% | 4,120 |
| Net loans and leases to core deposits | 71.1155% | 4,828 |
| Total domestic deposits to total assets | 91.3370% | 335 |
| Equity capital to assets | 7.4833% | 6,936 |
| Core capital (leverage) ratio | 8.0373% | 6,359 |
| Tier 1 risk-based capital ratio | 10.4227% | 6,809 |
| Total risk-based capital ratio | 11.6895% | 6,783 |
| Memoranda: | ||
| Average total assets | $31,616,500 | 6,994 |
| Average earning assets | $29,443,750 | 6,948 |
| Average equity | $2,461,250 | 7,196 |
| Average total loans | $21,825,250 | 6,627 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 1,747 |
| Cost of funding earning assets | 0.7124% | 5,884 |
| Net interest margin | 4.6270% | 861 |
| Noninterest income to average assets | 0.3681% | 4,932 |
| Noninterest expense to average assets | 4.4242% | 651 |
| Loan and lease loss provision to assets | 0.5490% | 1,765 |
| Net operating income to assets | -0.2842% | 6,546 |
| Return on assets (ROA) | -0.0388% | 6,341 |
| Pretax return on assets | -0.0388% | 6,306 |
| Return on Equity (ROE) | -0.4909% | 6,358 |
| Retained earnings to average equity (ytd only) | -0.4909% | 5,963 |
| Net charge-offs to loans | 0.9244% | 1,682 |
| Credit loss provision to net charge-offs | 85.0000% | 3,619 |
| Earnings coverage of net charge-offs (x) | 0.4100% | 4,996 |
| Efficiency ratio | 94.3526% | 956 |
| Assets per employee ($millions) | 2.3707% | 7,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7230% | 1,155 |
| Loan loss allowance to noncurrent loans | 81.9444% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 3.3453% | 1,972 |
| Noncurrent loans to loans | 3.3230% | 2,150 |
| Net loans and leases to total assets | 68.3896% | 2,541 |
| Net loans and leases to deposits | 74.3798% | 3,737 |
| Net loans and leases to core deposits | 74.3798% | 4,531 |
| Total domestic deposits to total assets | 91.9465% | 244 |
| Equity capital to assets | 7.8555% | 6,768 |
| Core capital (leverage) ratio | 7.8459% | 6,463 |
| Tier 1 risk-based capital ratio | 11.5407% | 6,143 |
| Total risk-based capital ratio | 12.8087% | 6,111 |
| Memoranda: | ||
| Average total assets | $30,966,000 | 7,075 |
| Average earning assets | $28,917,000 | 7,034 |
| Average equity | $2,444,330 | 7,257 |
| Average total loans | $21,636,330 | 6,710 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2703% | 1,976 |
| Cost of funding earning assets | 0.7864% | 5,632 |
| Net interest margin | 4.4839% | 1,107 |
| Noninterest income to average assets | 0.3866% | 4,822 |
| Noninterest expense to average assets | 4.3815% | 665 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1933% | 5,804 |
| Return on assets (ROA) | 0.2706% | 5,598 |
| Pretax return on assets | 0.2706% | 5,748 |
| Return on Equity (ROE) | 3.4202% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.4202% | 4,137 |
| Net charge-offs to loans | 0.9990% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.2778% | 4,404 |
| Efficiency ratio | 95.7746% | 932 |
| Assets per employee ($millions) | 2.2037% | 7,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6367% | 1,273 |
| Loan loss allowance to noncurrent loans | 85.2941% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 3.3774% | 2,020 |
| Noncurrent loans to loans | 3.0914% | 2,426 |
| Net loans and leases to total assets | 65.9471% | 3,024 |
| Net loans and leases to deposits | 71.8280% | 4,094 |
| Net loans and leases to core deposits | 71.8280% | 4,812 |
| Total domestic deposits to total assets | 91.8125% | 336 |
| Equity capital to assets | 7.9768% | 6,521 |
| Core capital (leverage) ratio | 7.8463% | 6,423 |
| Tier 1 risk-based capital ratio | 11.3556% | 6,208 |
| Total risk-based capital ratio | 12.5812% | 6,211 |
| Memoranda: | ||
| Average total assets | $31,039,500 | 7,121 |
| Average earning assets | $28,992,500 | 7,081 |
| Average equity | $2,456,000 | 7,304 |
| Average total loans | $21,621,000 | 6,765 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9493% | 941 |
| Cost of funding earning assets | 1.1672% | 4,754 |
| Net interest margin | 4.7821% | 685 |
| Noninterest income to average assets | 0.7883% | 2,335 |
| Noninterest expense to average assets | 4.2192% | 885 |
| Loan and lease loss provision to assets | 0.6223% | 2,649 |
| Net operating income to assets | 0.3926% | 4,573 |
| Return on assets (ROA) | 0.4404% | 4,523 |
| Pretax return on assets | 0.4404% | 4,824 |
| Return on Equity (ROE) | 5.5907% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.5907% | 2,069 |
| Net charge-offs to loans | 1.1518% | 1,937 |
| Credit loss provision to net charge-offs | 71.9557% | 5,813 |
| Earnings coverage of net charge-offs (x) | 1.1734% | 4,933 |
| Efficiency ratio | 80.6098% | 2,332 |
| Assets per employee ($millions) | 2.2305% | 7,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7075% | 1,156 |
| Loan loss allowance to noncurrent loans | 119.8020% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 3.0935% | 2,282 |
| Noncurrent loans to loans | 2.2600% | 3,261 |
| Net loans and leases to total assets | 69.6192% | 2,631 |
| Net loans and leases to deposits | 76.2459% | 3,799 |
| Net loans and leases to core deposits | 76.2459% | 4,674 |
| Total domestic deposits to total assets | 91.3088% | 456 |
| Equity capital to assets | 7.8490% | 6,642 |
| Core capital (leverage) ratio | 7.7757% | 6,465 |
| Tier 1 risk-based capital ratio | 10.6767% | 6,587 |
| Total risk-based capital ratio | 11.9447% | 6,542 |
| Memoranda: | ||
| Average total assets | $31,333,000 | 7,164 |
| Average earning assets | $29,129,600 | 7,122 |
| Average equity | $2,468,400 | 7,400 |
| Average total loans | $23,529,000 | 6,752 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9310% | 1,072 |
| Cost of funding earning assets | 1.2402% | 4,627 |
| Net interest margin | 4.6908% | 861 |
| Noninterest income to average assets | 0.9524% | 1,611 |
| Noninterest expense to average assets | 4.0518% | 986 |
| Loan and lease loss provision to assets | 0.8291% | 1,828 |
| Net operating income to assets | 0.4294% | 4,629 |
| Return on assets (ROA) | 0.4932% | 4,543 |
| Pretax return on assets | 0.4932% | 4,949 |
| Return on Equity (ROE) | 6.2546% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.2546% | 2,230 |
| Net charge-offs to loans | 1.0912% | 1,865 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 1.5180% | 4,586 |
| Efficiency ratio | 76.3010% | 2,888 |
| Assets per employee ($millions) | 2.1317% | 7,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9847% | 833 |
| Loan loss allowance to noncurrent loans | 71.9113% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 3.9606% | 1,771 |
| Noncurrent loans to loans | 4.1506% | 1,772 |
| Net loans and leases to total assets | 74.1690% | 1,767 |
| Net loans and leases to deposits | 82.1275% | 3,082 |
| Net loans and leases to core deposits | 82.1275% | 4,229 |
| Total domestic deposits to total assets | 90.3096% | 719 |
| Equity capital to assets | 8.5612% | 6,207 |
| Core capital (leverage) ratio | 8.1023% | 6,193 |
| Tier 1 risk-based capital ratio | 11.3297% | 6,073 |
| Total risk-based capital ratio | 12.6025% | 6,042 |
| Memoranda: | ||
| Average total assets | $31,359,500 | 7,246 |
| Average earning assets | $29,134,250 | 7,205 |
| Average equity | $2,472,750 | 7,498 |
| Average total loans | $23,825,000 | 6,831 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9020% | 1,178 |
| Cost of funding earning assets | 1.2801% | 4,650 |
| Net interest margin | 4.6219% | 950 |
| Noninterest income to average assets | 1.2051% | 889 |
| Noninterest expense to average assets | 4.0672% | 964 |
| Loan and lease loss provision to assets | 0.9854% | 1,474 |
| Net operating income to assets | 0.4582% | 4,512 |
| Return on assets (ROA) | 0.4582% | 4,673 |
| Pretax return on assets | 0.4582% | 5,035 |
| Return on Equity (ROE) | 5.9706% | 3,817 |
| Retained earnings to average equity (ytd only) | 5.9706% | 2,345 |
| Net charge-offs to loans | 1.3658% | 1,396 |
| Credit loss provision to net charge-offs | 95.1515% | 4,256 |
| Earnings coverage of net charge-offs (x) | 1.3939% | 4,443 |
| Efficiency ratio | 73.8041% | 3,508 |
| Assets per employee ($millions) | 2.2442% | 7,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8254% | 977 |
| Loan loss allowance to noncurrent loans | 68.8843% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 3.2178% | 2,196 |
| Noncurrent loans to loans | 4.1016% | 1,835 |
| Net loans and leases to total assets | 73.6720% | 1,985 |
| Net loans and leases to deposits | 80.9987% | 3,431 |
| Net loans and leases to core deposits | 80.9987% | 4,553 |
| Total domestic deposits to total assets | 90.9545% | 499 |
| Equity capital to assets | 7.9602% | 6,795 |
| Core capital (leverage) ratio | 7.7788% | 6,524 |
| Tier 1 risk-based capital ratio | 10.4377% | 6,730 |
| Total risk-based capital ratio | 11.7019% | 6,704 |
| Memoranda: | ||
| Average total assets | $31,864,670 | 7,287 |
| Average earning assets | $29,685,000 | 7,240 |
| Average equity | $2,445,330 | 7,560 |
| Average total loans | $24,161,330 | 6,854 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9875% | 1,007 |
| Cost of funding earning assets | 1.3786% | 4,312 |
| Net interest margin | 4.6089% | 935 |
| Noninterest income to average assets | 0.4114% | 4,806 |
| Noninterest expense to average assets | 4.0140% | 1,010 |
| Loan and lease loss provision to assets | 0.5236% | 2,404 |
| Net operating income to assets | 0.1247% | 5,948 |
| Return on assets (ROA) | 0.1247% | 6,066 |
| Pretax return on assets | 0.1247% | 6,075 |
| Return on Equity (ROE) | 1.6546% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.6546% | 5,107 |
| Net charge-offs to loans | 1.1014% | 1,526 |
| Credit loss provision to net charge-offs | 62.6866% | 4,248 |
| Earnings coverage of net charge-offs (x) | 0.7761% | 4,343 |
| Efficiency ratio | 86.0963% | 1,786 |
| Assets per employee ($millions) | 2.2839% | 7,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7595% | 1,030 |
| Loan loss allowance to noncurrent loans | 131.9920% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 3.3840% | 2,096 |
| Noncurrent loans to loans | 2.0907% | 3,670 |
| Net loans and leases to total assets | 72.2962% | 2,387 |
| Net loans and leases to deposits | 79.0940% | 3,822 |
| Net loans and leases to core deposits | 79.0940% | 4,882 |
| Total domestic deposits to total assets | 91.4055% | 403 |
| Equity capital to assets | 7.5374% | 7,042 |
| Core capital (leverage) ratio | 7.5565% | 6,791 |
| Tier 1 risk-based capital ratio | 10.2588% | 6,833 |
| Total risk-based capital ratio | 11.5295% | 6,810 |
| Memoranda: | ||
| Average total assets | $32,087,500 | 7,376 |
| Average earning assets | $29,595,000 | 7,337 |
| Average equity | $2,417,500 | 7,659 |
| Average total loans | $24,332,000 | 6,921 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5063% | 663 |
| Cost of funding earning assets | 1.8585% | 3,687 |
| Net interest margin | 4.6479% | 902 |
| Noninterest income to average assets | 0.5889% | 3,722 |
| Noninterest expense to average assets | 4.4542% | 833 |
| Loan and lease loss provision to assets | 0.1023% | 6,609 |
| Net operating income to assets | 0.3453% | 4,344 |
| Return on assets (ROA) | 0.4712% | 3,966 |
| Pretax return on assets | 0.4774% | 4,255 |
| Return on Equity (ROE) | 6.4741% | 3,004 |
| Retained earnings to average equity (ytd only) | 6.4741% | 1,160 |
| Net charge-offs to loans | 0.7376% | 2,977 |
| Credit loss provision to net charge-offs | 16.7513% | 6,950 |
| Earnings coverage of net charge-offs (x) | 0.7411% | 5,358 |
| Efficiency ratio | 90.7770% | 1,650 |
| Assets per employee ($millions) | 2.3001% | 7,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7358% | 987 |
| Loan loss allowance to noncurrent loans | 118.8482% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 3.5030% | 1,917 |
| Noncurrent loans to loans | 2.3019% | 3,284 |
| Net loans and leases to total assets | 75.1871% | 1,988 |
| Net loans and leases to deposits | 82.2412% | 3,584 |
| Net loans and leases to core deposits | 91.1662% | 4,993 |
| Total domestic deposits to total assets | 91.4226% | 401 |
| Equity capital to assets | 7.5308% | 7,005 |
| Core capital (leverage) ratio | 7.6031% | 6,679 |
| Tier 1 risk-based capital ratio | 9.7672% | 7,046 |
| Total risk-based capital ratio | 11.0346% | 7,019 |
| Memoranda: | ||
| Average total assets | $32,261,400 | 7,389 |
| Average earning assets | $29,970,800 | 7,359 |
| Average equity | $2,347,800 | 7,761 |
| Average total loans | $26,708,800 | 6,821 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6016% | 614 |
| Cost of funding earning assets | 1.9565% | 3,586 |
| Net interest margin | 4.6451% | 915 |
| Noninterest income to average assets | 0.6362% | 3,450 |
| Noninterest expense to average assets | 4.5440% | 707 |
| Loan and lease loss provision to assets | 0.1363% | 5,994 |
| Net operating income to assets | 0.2785% | 4,869 |
| Return on assets (ROA) | 0.4461% | 4,316 |
| Pretax return on assets | 0.4503% | 4,662 |
| Return on Equity (ROE) | 6.1842% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.1842% | 1,859 |
| Net charge-offs to loans | 0.0638% | 6,059 |
| Credit loss provision to net charge-offs | 253.8462% | 1,688 |
| Earnings coverage of net charge-offs (x) | 7.7703% | 2,353 |
| Efficiency ratio | 91.5903% | 1,571 |
| Assets per employee ($millions) | 2.1603% | 7,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3681% | 472 |
| Loan loss allowance to noncurrent loans | 110.3316% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 4.9530% | 1,187 |
| Noncurrent loans to loans | 3.0527% | 2,482 |
| Net loans and leases to total assets | 82.0559% | 803 |
| Net loans and leases to deposits | 90.2141% | 2,538 |
| Net loans and leases to core deposits | 100.6897% | 4,294 |
| Total domestic deposits to total assets | 90.9569% | 436 |
| Equity capital to assets | 7.8859% | 6,956 |
| Core capital (leverage) ratio | 7.7525% | 6,664 |
| Tier 1 risk-based capital ratio | 9.4429% | 7,410 |
| Total risk-based capital ratio | 10.7190% | 7,358 |
| Memoranda: | ||
| Average total assets | $32,276,500 | 7,452 |
| Average earning assets | $30,052,750 | 7,412 |
| Average equity | $2,328,500 | 7,841 |
| Average total loans | $27,163,000 | 6,851 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5600% | 712 |
| Cost of funding earning assets | 2.0374% | 3,587 |
| Net interest margin | 4.5226% | 1,115 |
| Noninterest income to average assets | 0.4977% | 4,463 |
| Noninterest expense to average assets | 4.5215% | 763 |
| Loan and lease loss provision to assets | 0.2003% | 5,053 |
| Net operating income to assets | 0.0064% | 5,821 |
| Return on assets (ROA) | 0.2428% | 5,209 |
| Pretax return on assets | 0.2549% | 5,315 |
| Return on Equity (ROE) | 3.4637% | 4,727 |
| Retained earnings to average equity (ytd only) | 3.4637% | 3,385 |
| Net charge-offs to loans | 0.1302% | 4,869 |
| Credit loss provision to net charge-offs | 183.3333% | 2,503 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 4,164 |
| Efficiency ratio | 95.6354% | 1,401 |
| Assets per employee ($millions) | 2.2767% | 7,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2038% | 485 |
| Loan loss allowance to noncurrent loans | 49.4253% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 5.5845% | 893 |
| Noncurrent loans to loans | 6.4821% | 818 |
| Net loans and leases to total assets | 81.5179% | 1,048 |
| Net loans and leases to deposits | 89.0347% | 2,985 |
| Net loans and leases to core deposits | 95.3295% | 4,972 |
| Total domestic deposits to total assets | 91.5574% | 308 |
| Equity capital to assets | 7.2598% | 7,443 |
| Core capital (leverage) ratio | 7.2073% | 7,350 |
| Tier 1 risk-based capital ratio | 8.9355% | 7,729 |
| Total risk-based capital ratio | 10.2098% | 7,741 |
| Memoranda: | ||
| Average total assets | $32,954,000 | 7,488 |
| Average earning assets | $30,823,000 | 7,445 |
| Average equity | $2,309,670 | 7,924 |
| Average total loans | $27,656,670 | 6,868 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5320% | 816 |
| Cost of funding earning assets | 2.1305% | 3,515 |
| Net interest margin | 4.4014% | 1,336 |
| Noninterest income to average assets | 0.4419% | 4,857 |
| Noninterest expense to average assets | 4.4068% | 779 |
| Loan and lease loss provision to assets | 0.3941% | 2,966 |
| Net operating income to assets | -0.2388% | 6,604 |
| Return on assets (ROA) | 0.2508% | 5,646 |
| Pretax return on assets | 0.2508% | 5,820 |
| Return on Equity (ROE) | 3.6403% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.6403% | 3,873 |
| Net charge-offs to loans | 0.3421% | 2,717 |
| Credit loss provision to net charge-offs | 137.5000% | 2,950 |
| Earnings coverage of net charge-offs (x) | 0.5417% | 4,561 |
| Efficiency ratio | 96.5969% | 1,289 |
| Assets per employee ($millions) | 2.1817% | 7,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1647% | 419 |
| Loan loss allowance to noncurrent loans | 67.9936% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 3.9143% | 1,331 |
| Noncurrent loans to loans | 4.6544% | 1,208 |
| Net loans and leases to total assets | 79.8478% | 1,420 |
| Net loans and leases to deposits | 86.9092% | 3,495 |
| Net loans and leases to core deposits | 94.5610% | 5,103 |
| Total domestic deposits to total assets | 91.8750% | 199 |
| Equity capital to assets | 6.9883% | 7,686 |
| Core capital (leverage) ratio | 6.8950% | 7,698 |
| Tier 1 risk-based capital ratio | 8.7283% | 7,900 |
| Total risk-based capital ratio | 10.0031% | 7,959 |
| Memoranda: | ||
| Average total assets | $33,494,000 | 7,513 |
| Average earning assets | $31,353,500 | 7,458 |
| Average equity | $2,307,500 | 7,977 |
| Average total loans | $28,063,500 | 6,879 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9292% | 211 |
| Cost of funding earning assets | 2.5004% | 4,206 |
| Net interest margin | 5.4289% | 227 |
| Noninterest income to average assets | 0.5050% | 4,588 |
| Noninterest expense to average assets | 4.4785% | 888 |
| Loan and lease loss provision to assets | 3.1056% | 289 |
| Net operating income to assets | -2.4887% | 7,706 |
| Return on assets (ROA) | -2.4887% | 7,677 |
| Pretax return on assets | -2.0563% | 7,450 |
| Return on Equity (ROE) | -32.6535% | 7,996 |
| Retained earnings to average equity (ytd only) | -32.6535% | 7,953 |
| Net charge-offs to loans | 2.3906% | 420 |
| Credit loss provision to net charge-offs | 143.0362% | 3,700 |
| Earnings coverage of net charge-offs (x) | 0.4833% | 5,948 |
| Efficiency ratio | 81.0175% | 2,443 |
| Assets per employee ($millions) | 2.1414% | 7,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8996% | 475 |
| Loan loss allowance to noncurrent loans | 71.6102% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 3.5170% | 1,266 |
| Noncurrent loans to loans | 4.0491% | 1,212 |
| Net loans and leases to total assets | 82.5900% | 1,124 |
| Net loans and leases to deposits | 89.6752% | 3,508 |
| Net loans and leases to core deposits | 98.1751% | 5,021 |
| Total domestic deposits to total assets | 92.0991% | 117 |
| Equity capital to assets | 6.7947% | 7,834 |
| Core capital (leverage) ratio | 6.5452% | 7,922 |
| Tier 1 risk-based capital ratio | 8.0784% | 8,074 |
| Total risk-based capital ratio | 9.3509% | 8,107 |
| Memoranda: | ||
| Average total assets | $33,069,400 | 7,506 |
| Average earning assets | $30,595,600 | 7,485 |
| Average equity | $2,520,400 | 7,974 |
| Average total loans | $30,034,000 | 6,709 |