Home > Roxbury Bank > Performance and Condition Ratios
Roxbury Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 1,160 |
| Cost of funding earning assets | 0.3712% | 3,505 |
| Net interest margin | 4.3454% | 868 |
| Noninterest income to average assets | 0.2450% | 4,665 |
| Noninterest expense to average assets | 2.6773% | 3,205 |
| Loan and lease loss provision to assets | 0.1195% | 1,915 |
| Net operating income to assets | 1.4582% | 888 |
| Return on assets (ROA) | 1.4582% | 896 |
| Pretax return on assets | 1.5060% | 1,617 |
| Return on Equity (ROE) | 11.8723% | 1,245 |
| Retained earnings to average equity (ytd only) | 2.1409% | 4,034 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4167% | 4,196 |
| Assets per employee ($millions) | 2.9345% | 5,244 |
| Cash dividends to net income (ytd only)* | 81.9672% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1623% | 5,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 4,144 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 69.8586% | 2,538 |
| Net loans and leases to deposits | 92.5717% | 1,437 |
| Net loans and leases to core deposits | 92.5717% | 2,321 |
| Total domestic deposits to total assets | 75.4643% | 5,034 |
| Equity capital to assets | 12.0293% | 1,811 |
| Core capital (leverage) ratio | 11.7534% | 1,758 |
| Tier 1 risk-based capital ratio | 17.2502% | 2,015 |
| Total risk-based capital ratio | 17.4206% | 2,311 |
| Memoranda: | ||
| Average total assets | $16,733,400 | 5,631 |
| Average earning assets | $15,625,600 | 5,617 |
| Average equity | $2,055,200 | 5,605 |
| Average total loans | $11,037,400 | 5,518 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 1,156 |
| Cost of funding earning assets | 0.3550% | 3,618 |
| Net interest margin | 4.3371% | 846 |
| Noninterest income to average assets | 0.2180% | 4,916 |
| Noninterest expense to average assets | 2.6722% | 3,153 |
| Loan and lease loss provision to assets | 0.1211% | 1,787 |
| Net operating income to assets | 1.4209% | 1,047 |
| Return on assets (ROA) | 1.4209% | 1,073 |
| Pretax return on assets | 1.4693% | 1,882 |
| Return on Equity (ROE) | 11.5058% | 1,486 |
| Retained earnings to average equity (ytd only) | 8.8909% | 885 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7955% | 4,075 |
| Assets per employee ($millions) | 2.8733% | 5,339 |
| Cash dividends to net income (ytd only)* | 22.7265% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1297% | 5,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 4,277 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.0128% | 2,979 |
| Net loans and leases to deposits | 82.7401% | 2,687 |
| Net loans and leases to core deposits | 82.7401% | 3,228 |
| Total domestic deposits to total assets | 80.9919% | 4,047 |
| Equity capital to assets | 12.8364% | 1,473 |
| Core capital (leverage) ratio | 12.6685% | 1,343 |
| Tier 1 risk-based capital ratio | 18.9291% | 1,607 |
| Total risk-based capital ratio | 19.0634% | 1,858 |
| Memoranda: | ||
| Average total assets | $16,515,000 | 5,699 |
| Average earning assets | $15,401,500 | 5,683 |
| Average equity | $2,039,500 | 5,669 |
| Average total loans | $10,716,750 | 5,584 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 1,138 |
| Cost of funding earning assets | 0.3283% | 3,816 |
| Net interest margin | 4.3331% | 795 |
| Noninterest income to average assets | 0.2212% | 4,925 |
| Noninterest expense to average assets | 2.6792% | 3,166 |
| Loan and lease loss provision to assets | 0.0737% | 2,497 |
| Net operating income to assets | 1.4748% | 908 |
| Return on assets (ROA) | 1.4748% | 929 |
| Pretax return on assets | 1.5240% | 1,560 |
| Return on Equity (ROE) | 12.1110% | 1,269 |
| Retained earnings to average equity (ytd only) | 8.0740% | 1,132 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6322% | 4,221 |
| Assets per employee ($millions) | 3.2848% | 5,001 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0563% | 5,724 |
| Loan loss allowance to noncurrent loans | 21.4286% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 4,505 |
| Noncurrent loans to loans | 0.2628% | 4,098 |
| Net loans and leases to total assets | 64.8441% | 3,272 |
| Net loans and leases to deposits | 79.3355% | 2,992 |
| Net loans and leases to core deposits | 79.3355% | 3,478 |
| Total domestic deposits to total assets | 81.7340% | 3,964 |
| Equity capital to assets | 13.1393% | 1,306 |
| Core capital (leverage) ratio | 12.4681% | 1,385 |
| Tier 1 risk-based capital ratio | 20.1589% | 1,341 |
| Total risk-based capital ratio | 20.2178% | 1,552 |
| Memoranda: | ||
| Average total assets | $16,273,330 | 5,748 |
| Average earning assets | $15,231,670 | 5,733 |
| Average equity | $1,981,670 | 5,720 |
| Average total loans | $10,433,000 | 5,636 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 1,015 |
| Cost of funding earning assets | 0.2894% | 4,149 |
| Net interest margin | 4.3668% | 678 |
| Noninterest income to average assets | 0.2716% | 4,600 |
| Noninterest expense to average assets | 2.7658% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5557% | 740 |
| Return on assets (ROA) | 1.5557% | 761 |
| Pretax return on assets | 1.6051% | 1,220 |
| Return on Equity (ROE) | 13.3087% | 939 |
| Retained earnings to average equity (ytd only) | 9.0837% | 1,051 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5819% | 4,215 |
| Assets per employee ($millions) | 3.3432% | 5,001 |
| Cash dividends to net income (ytd only)* | 31.7460% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,804 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 4,584 |
| Noncurrent loans to loans | 0.2653% | 4,163 |
| Net loans and leases to total assets | 63.1491% | 3,385 |
| Net loans and leases to deposits | 79.0356% | 2,858 |
| Net loans and leases to core deposits | 79.0356% | 3,386 |
| Total domestic deposits to total assets | 79.8995% | 4,637 |
| Equity capital to assets | 12.6884% | 1,413 |
| Core capital (leverage) ratio | 12.4069% | 1,385 |
| Tier 1 risk-based capital ratio | 19.9663% | 1,398 |
| Total risk-based capital ratio | 19.9663% | 1,642 |
| Memoranda: | ||
| Average total assets | $16,198,000 | 5,820 |
| Average earning assets | $15,205,500 | 5,802 |
| Average equity | $1,893,500 | 5,796 |
| Average total loans | $10,321,500 | 5,703 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 1,198 |
| Cost of funding earning assets | 0.2195% | 4,835 |
| Net interest margin | 4.4170% | 746 |
| Noninterest income to average assets | 0.4091% | 3,808 |
| Noninterest expense to average assets | 3.5092% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9652% | 2,511 |
| Return on assets (ROA) | 0.9652% | 2,616 |
| Pretax return on assets | 1.0163% | 3,421 |
| Return on Equity (ROE) | 9.0506% | 2,396 |
| Retained earnings to average equity (ytd only) | 2.8770% | 3,848 |
| Net charge-offs to loans | -0.0210% | 5,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5424% | 1,764 |
| Assets per employee ($millions) | 2.6133% | 5,611 |
| Cash dividends to net income (ytd only)* | 68.2119% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7263% | 242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 62.5765% | 3,528 |
| Net loans and leases to deposits | 77.8854% | 3,118 |
| Net loans and leases to core deposits | 77.8854% | 3,576 |
| Total domestic deposits to total assets | 80.3444% | 4,498 |
| Equity capital to assets | 10.6250% | 3,008 |
| Core capital (leverage) ratio | 10.5981% | 2,775 |
| Tier 1 risk-based capital ratio | 18.1887% | 1,803 |
| Total risk-based capital ratio | 19.4514% | 1,757 |
| Memoranda: | ||
| Average total assets | $15,644,600 | 5,880 |
| Average earning assets | $14,580,000 | 5,863 |
| Average equity | $1,668,400 | 5,878 |
| Average total loans | $9,523,200 | 5,779 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 1,304 |
| Cost of funding earning assets | 0.2114% | 4,962 |
| Net interest margin | 4.3831% | 802 |
| Noninterest income to average assets | 0.3922% | 3,978 |
| Noninterest expense to average assets | 3.4791% | 1,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9295% | 2,754 |
| Return on assets (ROA) | 0.9295% | 2,881 |
| Pretax return on assets | 0.9806% | 3,703 |
| Return on Equity (ROE) | 8.7076% | 2,660 |
| Retained earnings to average equity (ytd only) | 6.7106% | 1,778 |
| Net charge-offs to loans | -0.0285% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0115% | 1,689 |
| Assets per employee ($millions) | 2.6090% | 5,669 |
| Cash dividends to net income (ytd only)* | 22.9340% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8613% | 224 |
| Loan loss allowance to noncurrent loans | 233.0508% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 2.1592% | 690 |
| Noncurrent loans to loans | 1.2278% | 1,829 |
| Net loans and leases to total assets | 59.6397% | 3,925 |
| Net loans and leases to deposits | 74.1364% | 3,583 |
| Net loans and leases to core deposits | 74.1364% | 3,987 |
| Total domestic deposits to total assets | 80.4459% | 4,405 |
| Equity capital to assets | 10.9365% | 3,080 |
| Core capital (leverage) ratio | 10.9423% | 2,514 |
| Tier 1 risk-based capital ratio | 19.2490% | 1,610 |
| Total risk-based capital ratio | 20.5232% | 1,567 |
| Memoranda: | ||
| Average total assets | $15,635,750 | 5,947 |
| Average earning assets | $14,509,750 | 5,930 |
| Average equity | $1,669,000 | 5,944 |
| Average total loans | $9,382,250 | 5,843 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6236% | 1,226 |
| Cost of funding earning assets | 0.2208% | 4,928 |
| Net interest margin | 4.4027% | 764 |
| Noninterest income to average assets | 0.3839% | 3,998 |
| Noninterest expense to average assets | 3.3270% | 1,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0749% | 2,069 |
| Return on assets (ROA) | 1.0749% | 2,189 |
| Pretax return on assets | 1.1389% | 3,046 |
| Return on Equity (ROE) | 10.1531% | 1,983 |
| Retained earnings to average equity (ytd only) | 7.1313% | 1,537 |
| Net charge-offs to loans | -0.0430% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4986% | 2,294 |
| Assets per employee ($millions) | 2.6028% | 5,733 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9193% | 216 |
| Loan loss allowance to noncurrent loans | 233.0508% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 2.6510% | 495 |
| Noncurrent loans to loans | 1.2527% | 1,833 |
| Net loans and leases to total assets | 58.5580% | 4,064 |
| Net loans and leases to deposits | 69.2331% | 4,058 |
| Net loans and leases to core deposits | 69.2331% | 4,388 |
| Total domestic deposits to total assets | 84.5809% | 3,058 |
| Equity capital to assets | 10.7831% | 3,307 |
| Core capital (leverage) ratio | 10.8033% | 2,647 |
| Tier 1 risk-based capital ratio | 18.8622% | 1,723 |
| Total risk-based capital ratio | 20.1302% | 1,685 |
| Memoranda: | ||
| Average total assets | $15,629,670 | 6,024 |
| Average earning assets | $14,491,000 | 6,009 |
| Average equity | $1,654,670 | 6,019 |
| Average total loans | $9,306,000 | 5,917 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 1,107 |
| Cost of funding earning assets | 0.1934% | 5,260 |
| Net interest margin | 4.4768% | 636 |
| Noninterest income to average assets | 0.3326% | 4,352 |
| Noninterest expense to average assets | 3.1977% | 1,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2791% | 1,310 |
| Return on assets (ROA) | 1.2791% | 1,406 |
| Pretax return on assets | 1.2791% | 2,390 |
| Return on Equity (ROE) | 12.1951% | 1,259 |
| Retained earnings to average equity (ytd only) | 6.0976% | 2,334 |
| Net charge-offs to loans | -0.0432% | 5,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 2,882 |
| Assets per employee ($millions) | 2.6348% | 5,769 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9796% | 228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9736% | 890 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 56.4362% | 4,203 |
| Net loans and leases to deposits | 68.9597% | 3,959 |
| Net loans and leases to core deposits | 68.9597% | 4,326 |
| Total domestic deposits to total assets | 81.8395% | 4,273 |
| Equity capital to assets | 10.4624% | 3,544 |
| Core capital (leverage) ratio | 10.5351% | 2,919 |
| Tier 1 risk-based capital ratio | 18.9013% | 1,758 |
| Total risk-based capital ratio | 20.1743% | 1,715 |
| Memoranda: | ||
| Average total assets | $15,636,000 | 6,087 |
| Average earning assets | $14,474,500 | 6,070 |
| Average equity | $1,640,000 | 6,079 |
| Average total loans | $9,249,000 | 5,976 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 1,401 |
| Cost of funding earning assets | 0.2168% | 5,126 |
| Net interest margin | 4.3570% | 864 |
| Noninterest income to average assets | 0.5148% | 3,232 |
| Noninterest expense to average assets | 3.2520% | 1,831 |
| Loan and lease loss provision to assets | 0.3584% | 402 |
| Net operating income to assets | 0.9645% | 2,557 |
| Return on assets (ROA) | 0.9645% | 2,629 |
| Pretax return on assets | 0.9645% | 3,598 |
| Return on Equity (ROE) | 9.2338% | 2,357 |
| Retained earnings to average equity (ytd only) | 5.1784% | 2,293 |
| Net charge-offs to loans | 0.4241% | 666 |
| Credit loss provision to net charge-offs | 144.7368% | 1,828 |
| Earnings coverage of net charge-offs (x) | 5.3421% | 3,409 |
| Efficiency ratio | 71.0826% | 3,056 |
| Assets per employee ($millions) | 2.5772% | 5,854 |
| Cash dividends to net income (ytd only)* | 43.9189% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9349% | 239 |
| Loan loss allowance to noncurrent loans | 780.0000% | 740 |
| Noncurrent assets plus other real estate owned to assets | 2.2829% | 719 |
| Noncurrent loans to loans | 0.3763% | 4,098 |
| Net loans and leases to total assets | 58.3910% | 4,031 |
| Net loans and leases to deposits | 73.1389% | 3,595 |
| Net loans and leases to core deposits | 73.1389% | 4,027 |
| Total domestic deposits to total assets | 79.8357% | 4,783 |
| Equity capital to assets | 10.5154% | 3,344 |
| Core capital (leverage) ratio | 10.3560% | 3,098 |
| Tier 1 risk-based capital ratio | 18.5232% | 1,824 |
| Total risk-based capital ratio | 19.7900% | 1,765 |
| Memoranda: | ||
| Average total assets | $15,344,600 | 6,146 |
| Average earning assets | $14,298,800 | 6,130 |
| Average equity | $1,602,800 | 6,138 |
| Average total loans | $8,960,400 | 6,034 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 1,451 |
| Cost of funding earning assets | 0.2149% | 5,233 |
| Net interest margin | 4.3352% | 895 |
| Noninterest income to average assets | 0.5397% | 3,106 |
| Noninterest expense to average assets | 3.2473% | 1,833 |
| Loan and lease loss provision to assets | 0.0870% | 2,419 |
| Net operating income to assets | 1.2449% | 1,512 |
| Return on assets (ROA) | 1.2449% | 1,564 |
| Pretax return on assets | 1.2449% | 2,630 |
| Return on Equity (ROE) | 11.9386% | 1,391 |
| Retained earnings to average equity (ytd only) | 6.5122% | 1,950 |
| Net charge-offs to loans | 0.2554% | 1,029 |
| Credit loss provision to net charge-offs | 58.8235% | 2,924 |
| Earnings coverage of net charge-offs (x) | 8.9982% | 2,749 |
| Efficiency ratio | 70.9125% | 3,066 |
| Assets per employee ($millions) | 2.5350% | 5,943 |
| Cash dividends to net income (ytd only)* | 45.4526% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8015% | 298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2682% | 820 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 56.7982% | 4,268 |
| Net loans and leases to deposits | 72.3959% | 3,720 |
| Net loans and leases to core deposits | 72.3959% | 4,158 |
| Total domestic deposits to total assets | 78.4550% | 5,097 |
| Equity capital to assets | 10.6509% | 3,409 |
| Core capital (leverage) ratio | 10.6382% | 2,890 |
| Tier 1 risk-based capital ratio | 19.0482% | 1,761 |
| Total risk-based capital ratio | 20.3204% | 1,726 |
| Memoranda: | ||
| Average total assets | $15,315,000 | 6,231 |
| Average earning assets | $14,270,500 | 6,215 |
| Average equity | $1,597,000 | 6,225 |
| Average total loans | $8,875,000 | 6,120 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 1,480 |
| Cost of funding earning assets | 0.2231% | 5,224 |
| Net interest margin | 4.2943% | 930 |
| Noninterest income to average assets | 0.5472% | 3,057 |
| Noninterest expense to average assets | 3.3094% | 1,673 |
| Loan and lease loss provision to assets | 0.0651% | 2,816 |
| Net operating income to assets | 1.1857% | 1,648 |
| Return on assets (ROA) | 1.1857% | 1,714 |
| Pretax return on assets | 1.1857% | 2,833 |
| Return on Equity (ROE) | 11.4514% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.4514% | 449 |
| Net charge-offs to loans | -0.1127% | 5,830 |
| Credit loss provision to net charge-offs | -100.0000% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5714% | 2,917 |
| Assets per employee ($millions) | 2.5497% | 6,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0491% | 256 |
| Loan loss allowance to noncurrent loans | 177.3333% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 2.0329% | 1,073 |
| Noncurrent loans to loans | 1.7194% | 1,496 |
| Net loans and leases to total assets | 55.2883% | 4,413 |
| Net loans and leases to deposits | 69.4417% | 3,988 |
| Net loans and leases to core deposits | 69.4417% | 4,375 |
| Total domestic deposits to total assets | 79.6183% | 4,950 |
| Equity capital to assets | 10.6615% | 3,259 |
| Core capital (leverage) ratio | 10.6237% | 2,824 |
| Tier 1 risk-based capital ratio | 19.6504% | 1,635 |
| Total risk-based capital ratio | 20.9283% | 1,591 |
| Memoranda: | ||
| Average total assets | $15,350,000 | 6,308 |
| Average earning assets | $14,344,670 | 6,289 |
| Average equity | $1,589,330 | 6,300 |
| Average total loans | $8,870,670 | 6,189 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4064% | 1,746 |
| Cost of funding earning assets | 0.2217% | 5,305 |
| Net interest margin | 4.1847% | 1,098 |
| Noninterest income to average assets | 0.6504% | 2,398 |
| Noninterest expense to average assets | 3.3299% | 1,648 |
| Loan and lease loss provision to assets | 0.0780% | 2,396 |
| Net operating income to assets | 1.1707% | 1,634 |
| Return on assets (ROA) | 1.1707% | 1,737 |
| Pretax return on assets | 1.1707% | 2,780 |
| Return on Equity (ROE) | 11.4759% | 1,489 |
| Retained earnings to average equity (ytd only) | 11.4759% | 647 |
| Net charge-offs to loans | -0.1789% | 6,026 |
| Credit loss provision to net charge-offs | -75.0000% | 4,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 3,044 |
| Assets per employee ($millions) | 2.5388% | 6,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0171% | 290 |
| Loan loss allowance to noncurrent loans | 178.9116% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 2.0482% | 1,151 |
| Noncurrent loans to loans | 1.6864% | 1,639 |
| Net loans and leases to total assets | 55.4979% | 4,260 |
| Net loans and leases to deposits | 65.9696% | 4,154 |
| Net loans and leases to core deposits | 65.9696% | 4,521 |
| Total domestic deposits to total assets | 84.1266% | 3,772 |
| Equity capital to assets | 10.4444% | 3,593 |
| Core capital (leverage) ratio | 10.2857% | 3,234 |
| Tier 1 risk-based capital ratio | 19.2724% | 1,794 |
| Total risk-based capital ratio | 20.5256% | 1,754 |
| Memoranda: | ||
| Average total assets | $15,376,000 | 6,374 |
| Average earning assets | $14,433,500 | 6,352 |
| Average equity | $1,568,500 | 6,370 |
| Average total loans | $8,944,000 | 6,254 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3471% | 2,424 |
| Cost of funding earning assets | 0.2192% | 5,601 |
| Net interest margin | 4.1279% | 1,496 |
| Noninterest income to average assets | 0.6911% | 2,342 |
| Noninterest expense to average assets | 3.5358% | 1,408 |
| Loan and lease loss provision to assets | 0.1006% | 2,477 |
| Net operating income to assets | 0.8454% | 3,135 |
| Return on assets (ROA) | 0.9930% | 2,495 |
| Pretax return on assets | 0.9930% | 3,524 |
| Return on Equity (ROE) | 9.9784% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.9784% | 522 |
| Net charge-offs to loans | 1.0487% | 276 |
| Credit loss provision to net charge-offs | 17.4419% | 4,005 |
| Earnings coverage of net charge-offs (x) | 1.6395% | 4,371 |
| Efficiency ratio | 78.8922% | 2,080 |
| Assets per employee ($millions) | 2.5865% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7914% | 380 |
| Loan loss allowance to noncurrent loans | 376.4706% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 1.5400% | 1,762 |
| Noncurrent loans to loans | 0.7415% | 3,464 |
| Net loans and leases to total assets | 57.4457% | 4,124 |
| Net loans and leases to deposits | 73.1037% | 3,543 |
| Net loans and leases to core deposits | 73.1037% | 4,016 |
| Total domestic deposits to total assets | 78.5811% | 5,332 |
| Equity capital to assets | 9.9620% | 4,162 |
| Core capital (leverage) ratio | 10.0287% | 3,536 |
| Tier 1 risk-based capital ratio | 18.2281% | 2,073 |
| Total risk-based capital ratio | 19.4954% | 2,026 |
| Memoranda: | ||
| Average total assets | $14,904,600 | 6,467 |
| Average earning assets | $13,687,200 | 6,450 |
| Average equity | $1,483,200 | 6,463 |
| Average total loans | $8,200,600 | 6,362 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2946% | 2,659 |
| Cost of funding earning assets | 0.2182% | 5,683 |
| Net interest margin | 4.0764% | 1,649 |
| Noninterest income to average assets | 0.7502% | 2,098 |
| Noninterest expense to average assets | 3.5613% | 1,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9039% | 2,901 |
| Return on assets (ROA) | 1.1027% | 2,084 |
| Pretax return on assets | 1.1027% | 3,177 |
| Return on Equity (ROE) | 11.0842% | 1,760 |
| Retained earnings to average equity (ytd only) | 11.0842% | 502 |
| Net charge-offs to loans | 1.5246% | 154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.0989% | 4,231 |
| Efficiency ratio | 79.7571% | 1,953 |
| Assets per employee ($millions) | 2.4917% | 6,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9434% | 382 |
| Loan loss allowance to noncurrent loans | 393.3333% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 2.0803% | 1,354 |
| Noncurrent loans to loans | 0.7483% | 3,729 |
| Net loans and leases to total assets | 52.0535% | 4,799 |
| Net loans and leases to deposits | 58.0486% | 5,099 |
| Net loans and leases to core deposits | 58.0486% | 5,329 |
| Total domestic deposits to total assets | 89.6722% | 891 |
| Equity capital to assets | 10.1873% | 3,944 |
| Core capital (leverage) ratio | 9.9271% | 3,771 |
| Tier 1 risk-based capital ratio | 20.0079% | 1,673 |
| Total risk-based capital ratio | 21.2783% | 1,636 |
| Memoranda: | ||
| Average total assets | $14,751,000 | 6,547 |
| Average earning assets | $13,443,000 | 6,531 |
| Average equity | $1,467,500 | 6,541 |
| Average total loans | $7,958,000 | 6,443 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2341% | 2,829 |
| Cost of funding earning assets | 0.2260% | 5,696 |
| Net interest margin | 4.0080% | 1,783 |
| Noninterest income to average assets | 0.8717% | 1,585 |
| Noninterest expense to average assets | 3.4185% | 1,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0760% | 2,020 |
| Return on assets (ROA) | 1.2121% | 1,613 |
| Pretax return on assets | 1.2121% | 2,614 |
| Return on Equity (ROE) | 12.2843% | 1,352 |
| Retained earnings to average equity (ytd only) | 12.2843% | 394 |
| Net charge-offs to loans | 0.7559% | 504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.6333% | 3,509 |
| Efficiency ratio | 76.0606% | 2,620 |
| Assets per employee ($millions) | 2.4235% | 6,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6313% | 230 |
| Loan loss allowance to noncurrent loans | 121.7213% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 3.4867% | 674 |
| Noncurrent loans to loans | 2.9832% | 976 |
| Net loans and leases to total assets | 54.2054% | 4,516 |
| Net loans and leases to deposits | 61.9216% | 4,697 |
| Net loans and leases to core deposits | 61.9216% | 4,973 |
| Total domestic deposits to total assets | 87.5387% | 2,178 |
| Equity capital to assets | 10.3432% | 3,630 |
| Core capital (leverage) ratio | 10.0687% | 3,508 |
| Tier 1 risk-based capital ratio | 19.8578% | 1,721 |
| Total risk-based capital ratio | 21.1324% | 1,680 |
| Memoranda: | ||
| Average total assets | $14,684,670 | 6,613 |
| Average earning assets | $13,273,330 | 6,600 |
| Average equity | $1,449,000 | 6,606 |
| Average total loans | $7,938,000 | 6,509 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 2,674 |
| Cost of funding earning assets | 0.2129% | 5,899 |
| Net interest margin | 4.0446% | 1,618 |
| Noninterest income to average assets | 0.4337% | 3,918 |
| Noninterest expense to average assets | 3.4154% | 1,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6235% | 4,076 |
| Return on assets (ROA) | 0.6235% | 4,161 |
| Pretax return on assets | 0.6235% | 4,750 |
| Return on Equity (ROE) | 6.4720% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.4720% | 2,301 |
| Net charge-offs to loans | 1.6374% | 187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.7188% | 3,277 |
| Efficiency ratio | 84.5638% | 1,606 |
| Assets per employee ($millions) | 2.5333% | 6,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8582% | 211 |
| Loan loss allowance to noncurrent loans | 150.5102% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 4.8947% | 428 |
| Noncurrent loans to loans | 2.5634% | 1,342 |
| Net loans and leases to total assets | 48.3618% | 5,077 |
| Net loans and leases to deposits | 53.4735% | 5,328 |
| Net loans and leases to core deposits | 53.4735% | 5,534 |
| Total domestic deposits to total assets | 90.4408% | 834 |
| Equity capital to assets | 9.4276% | 4,590 |
| Core capital (leverage) ratio | 9.7585% | 3,917 |
| Tier 1 risk-based capital ratio | 19.1262% | 1,926 |
| Total risk-based capital ratio | 20.4112% | 1,882 |
| Memoranda: | ||
| Average total assets | $14,756,500 | 6,685 |
| Average earning assets | $13,153,500 | 6,673 |
| Average equity | $1,421,500 | 6,674 |
| Average total loans | $7,817,500 | 6,582 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4357% | 2,448 |
| Cost of funding earning assets | 0.2706% | 5,826 |
| Net interest margin | 4.1651% | 1,457 |
| Noninterest income to average assets | 0.5886% | 3,161 |
| Noninterest expense to average assets | 3.7130% | 1,267 |
| Loan and lease loss provision to assets | 0.0654% | 3,818 |
| Net operating income to assets | 0.5014% | 4,730 |
| Return on assets (ROA) | 0.5014% | 4,863 |
| Pretax return on assets | 0.5014% | 5,202 |
| Return on Equity (ROE) | 5.0292% | 4,618 |
| Retained earnings to average equity (ytd only) | 5.0292% | 2,574 |
| Net charge-offs to loans | 0.8163% | 763 |
| Credit loss provision to net charge-offs | 13.6364% | 4,542 |
| Earnings coverage of net charge-offs (x) | 1.1818% | 4,673 |
| Efficiency ratio | 86.7572% | 1,342 |
| Assets per employee ($millions) | 2.3855% | 6,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0931% | 190 |
| Loan loss allowance to noncurrent loans | 164.3216% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 5.6941% | 352 |
| Noncurrent loans to loans | 2.4909% | 1,520 |
| Net loans and leases to total assets | 53.5318% | 4,649 |
| Net loans and leases to deposits | 59.4276% | 4,987 |
| Net loans and leases to core deposits | 59.4276% | 5,261 |
| Total domestic deposits to total assets | 90.0789% | 1,034 |
| Equity capital to assets | 9.8512% | 3,958 |
| Core capital (leverage) ratio | 9.8807% | 3,727 |
| Tier 1 risk-based capital ratio | 17.7491% | 2,320 |
| Total risk-based capital ratio | 19.0251% | 2,285 |
| Memoranda: | ||
| Average total assets | $13,762,600 | 6,773 |
| Average earning assets | $12,196,600 | 6,761 |
| Average equity | $1,372,000 | 6,771 |
| Average total loans | $8,085,400 | 6,647 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 2,393 |
| Cost of funding earning assets | 0.2758% | 5,921 |
| Net interest margin | 4.1815% | 1,390 |
| Noninterest income to average assets | 0.4404% | 4,219 |
| Noninterest expense to average assets | 3.7675% | 1,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3817% | 5,327 |
| Return on assets (ROA) | 0.3817% | 5,464 |
| Pretax return on assets | 0.3817% | 5,679 |
| Return on Equity (ROE) | 3.8165% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.8165% | 3,973 |
| Net charge-offs to loans | 1.1015% | 513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.5821% | 4,665 |
| Efficiency ratio | 90.8019% | 931 |
| Assets per employee ($millions) | 2.2863% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0594% | 224 |
| Loan loss allowance to noncurrent loans | 144.0909% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 6.1889% | 371 |
| Noncurrent loans to loans | 2.8173% | 1,477 |
| Net loans and leases to total assets | 54.6144% | 4,513 |
| Net loans and leases to deposits | 60.8611% | 4,886 |
| Net loans and leases to core deposits | 60.8611% | 5,235 |
| Total domestic deposits to total assets | 89.7361% | 1,147 |
| Equity capital to assets | 10.0379% | 3,852 |
| Core capital (leverage) ratio | 9.9532% | 3,736 |
| Tier 1 risk-based capital ratio | 17.5636% | 2,487 |
| Total risk-based capital ratio | 18.8540% | 2,444 |
| Memoranda: | ||
| Average total assets | $13,625,000 | 6,851 |
| Average earning assets | $12,084,750 | 6,839 |
| Average equity | $1,362,500 | 6,852 |
| Average total loans | $8,109,500 | 6,719 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 2,066 |
| Cost of funding earning assets | 0.2969% | 5,851 |
| Net interest margin | 4.2398% | 1,165 |
| Noninterest income to average assets | 0.4414% | 4,237 |
| Noninterest expense to average assets | 3.8252% | 1,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3972% | 5,228 |
| Return on assets (ROA) | 0.3972% | 5,390 |
| Pretax return on assets | 0.3972% | 5,643 |
| Return on Equity (ROE) | 3.9774% | 5,225 |
| Retained earnings to average equity (ytd only) | 3.9774% | 3,762 |
| Net charge-offs to loans | 1.2912% | 443 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.5094% | 4,366 |
| Efficiency ratio | 90.5923% | 1,019 |
| Assets per employee ($millions) | 2.2657% | 6,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9218% | 272 |
| Loan loss allowance to noncurrent loans | 85.9740% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 6.7898% | 353 |
| Noncurrent loans to loans | 4.5616% | 758 |
| Net loans and leases to total assets | 59.6513% | 3,720 |
| Net loans and leases to deposits | 67.9487% | 4,022 |
| Net loans and leases to core deposits | 67.9487% | 4,503 |
| Total domestic deposits to total assets | 87.7887% | 2,389 |
| Equity capital to assets | 9.9750% | 3,949 |
| Core capital (leverage) ratio | 9.9308% | 3,617 |
| Tier 1 risk-based capital ratio | 16.3614% | 3,000 |
| Total risk-based capital ratio | 17.6349% | 2,952 |
| Memoranda: | ||
| Average total assets | $13,594,000 | 6,899 |
| Average earning assets | $12,123,330 | 6,888 |
| Average equity | $1,357,670 | 6,899 |
| Average total loans | $8,209,670 | 6,764 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 2,128 |
| Cost of funding earning assets | 0.2963% | 5,995 |
| Net interest margin | 4.2143% | 1,153 |
| Noninterest income to average assets | 0.4119% | 4,373 |
| Noninterest expense to average assets | 3.8546% | 1,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3237% | 5,473 |
| Return on assets (ROA) | 0.3237% | 5,605 |
| Pretax return on assets | 0.3237% | 5,793 |
| Return on Equity (ROE) | 3.2389% | 5,471 |
| Retained earnings to average equity (ytd only) | 3.2389% | 4,306 |
| Net charge-offs to loans | 0.1482% | 2,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 2,707 |
| Efficiency ratio | 92.2535% | 958 |
| Assets per employee ($millions) | 2.2993% | 6,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7685% | 156 |
| Loan loss allowance to noncurrent loans | 107.6271% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 6.3569% | 483 |
| Noncurrent loans to loans | 4.4305% | 955 |
| Net loans and leases to total assets | 55.1537% | 4,216 |
| Net loans and leases to deposits | 61.3332% | 4,641 |
| Net loans and leases to core deposits | 61.3332% | 5,012 |
| Total domestic deposits to total assets | 89.9246% | 1,094 |
| Equity capital to assets | 9.8797% | 4,302 |
| Core capital (leverage) ratio | 9.8493% | 3,599 |
| Tier 1 risk-based capital ratio | 16.8181% | 2,850 |
| Total risk-based capital ratio | 18.1176% | 2,790 |
| Memoranda: | ||
| Average total assets | $13,594,000 | 6,975 |
| Average earning assets | $12,149,000 | 6,964 |
| Average equity | $1,358,500 | 6,967 |
| Average total loans | $8,094,500 | 6,842 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 1,378 |
| Cost of funding earning assets | 0.4046% | 5,885 |
| Net interest margin | 4.6661% | 694 |
| Noninterest income to average assets | 0.7283% | 2,596 |
| Noninterest expense to average assets | 3.8714% | 1,129 |
| Loan and lease loss provision to assets | 0.0613% | 5,004 |
| Net operating income to assets | 0.9506% | 2,543 |
| Return on assets (ROA) | 0.9506% | 2,796 |
| Pretax return on assets | 0.9506% | 3,743 |
| Return on Equity (ROE) | 9.5326% | 2,393 |
| Retained earnings to average equity (ytd only) | 9.5326% | 689 |
| Net charge-offs to loans | -0.1703% | 6,916 |
| Credit loss provision to net charge-offs | -57.1429% | 6,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2779% | 2,247 |
| Assets per employee ($millions) | 2.2320% | 6,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6835% | 165 |
| Loan loss allowance to noncurrent loans | 176.1468% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 5.5332% | 669 |
| Noncurrent loans to loans | 2.6589% | 1,990 |
| Net loans and leases to total assets | 58.3557% | 3,908 |
| Net loans and leases to deposits | 65.1087% | 4,408 |
| Net loans and leases to core deposits | 65.1087% | 4,823 |
| Total domestic deposits to total assets | 89.6281% | 1,175 |
| Equity capital to assets | 10.1105% | 4,022 |
| Core capital (leverage) ratio | 9.9887% | 3,418 |
| Tier 1 risk-based capital ratio | 16.5064% | 2,886 |
| Total risk-based capital ratio | 17.8050% | 2,837 |
| Memoranda: | ||
| Average total assets | $13,044,400 | 7,045 |
| Average earning assets | $11,615,600 | 7,033 |
| Average equity | $1,300,800 | 7,043 |
| Average total loans | $8,222,400 | 6,908 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1823% | 1,234 |
| Cost of funding earning assets | 0.4270% | 5,949 |
| Net interest margin | 4.7553% | 600 |
| Noninterest income to average assets | 0.6688% | 2,884 |
| Noninterest expense to average assets | 3.8072% | 1,199 |
| Loan and lease loss provision to assets | 0.0823% | 4,597 |
| Net operating income to assets | 1.0187% | 2,413 |
| Return on assets (ROA) | 1.0187% | 2,647 |
| Pretax return on assets | 1.0187% | 3,642 |
| Return on Equity (ROE) | 10.2524% | 2,231 |
| Retained earnings to average equity (ytd only) | 10.2524% | 848 |
| Net charge-offs to loans | -0.2106% | 7,002 |
| Credit loss provision to net charge-offs | -61.5385% | 6,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5681% | 2,446 |
| Assets per employee ($millions) | 2.1920% | 6,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9059% | 154 |
| Loan loss allowance to noncurrent loans | 175.6881% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 5.6341% | 744 |
| Noncurrent loans to loans | 2.7924% | 2,015 |
| Net loans and leases to total assets | 56.4477% | 4,378 |
| Net loans and leases to deposits | 62.9846% | 4,843 |
| Net loans and leases to core deposits | 62.9846% | 5,265 |
| Total domestic deposits to total assets | 89.6214% | 1,059 |
| Equity capital to assets | 10.1658% | 4,251 |
| Core capital (leverage) ratio | 10.0418% | 3,488 |
| Tier 1 risk-based capital ratio | 16.7117% | 2,893 |
| Total risk-based capital ratio | 17.9992% | 2,836 |
| Memoranda: | ||
| Average total assets | $12,957,500 | 7,141 |
| Average earning assets | $11,551,750 | 7,129 |
| Average equity | $1,287,500 | 7,139 |
| Average total loans | $8,228,250 | 7,002 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3195% | 1,011 |
| Cost of funding earning assets | 0.4360% | 6,060 |
| Net interest margin | 4.8834% | 485 |
| Noninterest income to average assets | 0.6826% | 2,758 |
| Noninterest expense to average assets | 3.8006% | 1,211 |
| Loan and lease loss provision to assets | 0.1241% | 3,972 |
| Net operating income to assets | 1.1014% | 2,042 |
| Return on assets (ROA) | 1.1014% | 2,263 |
| Pretax return on assets | 1.1014% | 3,296 |
| Return on Equity (ROE) | 11.1723% | 1,929 |
| Retained earnings to average equity (ytd only) | 11.1723% | 716 |
| Net charge-offs to loans | -0.0239% | 6,469 |
| Credit loss provision to net charge-offs | -800.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6173% | 2,805 |
| Assets per employee ($millions) | 2.1075% | 7,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5338% | 224 |
| Loan loss allowance to noncurrent loans | 180.9756% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 5.9786% | 713 |
| Noncurrent loans to loans | 2.5052% | 2,408 |
| Net loans and leases to total assets | 61.7794% | 3,482 |
| Net loans and leases to deposits | 69.2369% | 4,005 |
| Net loans and leases to core deposits | 69.2369% | 4,633 |
| Total domestic deposits to total assets | 89.2289% | 1,371 |
| Equity capital to assets | 10.3282% | 3,906 |
| Core capital (leverage) ratio | 9.8901% | 3,589 |
| Tier 1 risk-based capital ratio | 15.5610% | 3,398 |
| Total risk-based capital ratio | 16.8486% | 3,348 |
| Memoranda: | ||
| Average total assets | $12,892,670 | 7,203 |
| Average earning assets | $11,467,330 | 7,190 |
| Average equity | $1,271,000 | 7,199 |
| Average total loans | $8,368,670 | 7,060 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3053% | 1,085 |
| Cost of funding earning assets | 0.4479% | 6,158 |
| Net interest margin | 4.8575% | 499 |
| Noninterest income to average assets | 0.7375% | 2,460 |
| Noninterest expense to average assets | 3.7491% | 1,299 |
| Loan and lease loss provision to assets | 0.2151% | 2,797 |
| Net operating income to assets | 1.1063% | 2,057 |
| Return on assets (ROA) | 1.1063% | 2,243 |
| Pretax return on assets | 1.1063% | 3,300 |
| Return on Equity (ROE) | 11.4878% | 1,841 |
| Retained earnings to average equity (ytd only) | 11.4878% | 924 |
| Net charge-offs to loans | -0.0473% | 6,510 |
| Credit loss provision to net charge-offs | -700.0000% | 5,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9394% | 3,107 |
| Assets per employee ($millions) | 2.1713% | 7,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3709% | 271 |
| Loan loss allowance to noncurrent loans | 168.9498% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 5.9257% | 800 |
| Noncurrent loans to loans | 2.5871% | 2,519 |
| Net loans and leases to total assets | 62.1354% | 3,232 |
| Net loans and leases to deposits | 69.0052% | 3,874 |
| Net loans and leases to core deposits | 69.0052% | 4,561 |
| Total domestic deposits to total assets | 90.0445% | 1,062 |
| Equity capital to assets | 9.7482% | 4,457 |
| Core capital (leverage) ratio | 9.5788% | 3,951 |
| Tier 1 risk-based capital ratio | 14.6989% | 3,957 |
| Total risk-based capital ratio | 15.9843% | 3,891 |
| Memoranda: | ||
| Average total assets | $13,016,500 | 7,264 |
| Average earning assets | $11,611,000 | 7,252 |
| Average equity | $1,253,500 | 7,256 |
| Average total loans | $8,461,500 | 7,116 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3597% | 1,532 |
| Cost of funding earning assets | 0.7610% | 5,128 |
| Net interest margin | 4.5987% | 929 |
| Noninterest income to average assets | 0.7001% | 2,603 |
| Noninterest expense to average assets | 5.4024% | 277 |
| Loan and lease loss provision to assets | 0.7637% | 1,308 |
| Net operating income to assets | -1.5203% | 6,912 |
| Return on assets (ROA) | -1.5203% | 6,935 |
| Pretax return on assets | -1.4920% | 6,894 |
| Return on Equity (ROE) | -18.1465% | 6,954 |
| Retained earnings to average equity (ytd only) | -18.1465% | 6,939 |
| Net charge-offs to loans | 2.0192% | 680 |
| Credit loss provision to net charge-offs | 58.6957% | 5,201 |
| Earnings coverage of net charge-offs (x) | -0.5598% | 6,098 |
| Efficiency ratio | 115.5825% | 348 |
| Assets per employee ($millions) | 2.6010% | 6,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2800% | 300 |
| Loan loss allowance to noncurrent loans | 164.5455% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 5.9592% | 823 |
| Noncurrent loans to loans | 2.6011% | 2,513 |
| Net loans and leases to total assets | 62.2530% | 3,552 |
| Net loans and leases to deposits | 68.9139% | 4,291 |
| Net loans and leases to core deposits | 68.9139% | 4,915 |
| Total domestic deposits to total assets | 90.3345% | 795 |
| Equity capital to assets | 9.5117% | 4,874 |
| Core capital (leverage) ratio | 9.0785% | 4,652 |
| Tier 1 risk-based capital ratio | 14.3233% | 4,092 |
| Total risk-based capital ratio | 15.6134% | 4,039 |
| Memoranda: | ||
| Average total assets | $14,141,800 | 7,297 |
| Average earning assets | $12,220,800 | 7,293 |
| Average equity | $1,184,800 | 7,317 |
| Average total loans | $9,112,600 | 7,142 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3466% | 1,691 |
| Cost of funding earning assets | 0.7638% | 5,373 |
| Net interest margin | 4.5829% | 980 |
| Noninterest income to average assets | 0.6470% | 2,902 |
| Noninterest expense to average assets | 5.6655% | 239 |
| Loan and lease loss provision to assets | 0.9982% | 864 |
| Net operating income to assets | -2.1165% | 7,155 |
| Return on assets (ROA) | -2.1165% | 7,164 |
| Pretax return on assets | -2.0796% | 7,140 |
| Return on Equity (ROE) | -26.0576% | 7,172 |
| Retained earnings to average equity (ytd only) | -26.0576% | 7,162 |
| Net charge-offs to loans | 2.8315% | 350 |
| Credit loss provision to net charge-offs | 54.8223% | 4,933 |
| Earnings coverage of net charge-offs (x) | -0.5939% | 5,860 |
| Efficiency ratio | 123.5887% | 269 |
| Assets per employee ($millions) | 2.2352% | 7,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0738% | 368 |
| Loan loss allowance to noncurrent loans | 168.5990% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 7.3373% | 647 |
| Noncurrent loans to loans | 2.4162% | 2,865 |
| Net loans and leases to total assets | 61.2781% | 3,887 |
| Net loans and leases to deposits | 67.5767% | 4,683 |
| Net loans and leases to core deposits | 67.5767% | 5,227 |
| Total domestic deposits to total assets | 90.6793% | 561 |
| Equity capital to assets | 9.1268% | 5,612 |
| Core capital (leverage) ratio | 8.5547% | 5,624 |
| Tier 1 risk-based capital ratio | 13.4736% | 4,754 |
| Total risk-based capital ratio | 14.7584% | 4,697 |
| Memoranda: | ||
| Average total assets | $14,426,000 | 7,370 |
| Average earning assets | $12,393,750 | 7,368 |
| Average equity | $1,171,750 | 7,393 |
| Average total loans | $9,276,250 | 7,207 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3010% | 1,887 |
| Cost of funding earning assets | 0.8253% | 5,214 |
| Net interest margin | 4.4757% | 1,189 |
| Noninterest income to average assets | 0.6231% | 2,986 |
| Noninterest expense to average assets | 5.6894% | 240 |
| Loan and lease loss provision to assets | 0.8670% | 1,037 |
| Net operating income to assets | -2.1132% | 7,208 |
| Return on assets (ROA) | -2.1132% | 7,217 |
| Pretax return on assets | -2.1132% | 7,186 |
| Return on Equity (ROE) | -27.0287% | 7,216 |
| Retained earnings to average equity (ytd only) | -27.0287% | 7,207 |
| Net charge-offs to loans | 3.8685% | 215 |
| Credit loss provision to net charge-offs | 34.7826% | 4,911 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 5,523 |
| Efficiency ratio | 128.0488% | 272 |
| Assets per employee ($millions) | 2.0159% | 7,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6306% | 545 |
| Loan loss allowance to noncurrent loans | 158.2090% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 8.3835% | 528 |
| Noncurrent loans to loans | 2.2948% | 3,108 |
| Net loans and leases to total assets | 59.8186% | 4,304 |
| Net loans and leases to deposits | 65.9402% | 5,010 |
| Net loans and leases to core deposits | 65.9402% | 5,522 |
| Total domestic deposits to total assets | 90.7165% | 628 |
| Equity capital to assets | 9.0993% | 5,437 |
| Core capital (leverage) ratio | 8.7519% | 5,134 |
| Tier 1 risk-based capital ratio | 13.4001% | 4,612 |
| Total risk-based capital ratio | 14.6783% | 4,572 |
| Memoranda: | ||
| Average total assets | $14,764,330 | 7,438 |
| Average earning assets | $12,601,330 | 7,436 |
| Average equity | $1,154,330 | 7,470 |
| Average total loans | $9,512,670 | 7,270 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5953% | 1,064 |
| Cost of funding earning assets | 0.8704% | 5,133 |
| Net interest margin | 4.7249% | 668 |
| Noninterest income to average assets | 0.7422% | 2,304 |
| Noninterest expense to average assets | 5.0626% | 346 |
| Loan and lease loss provision to assets | 1.3783% | 484 |
| Net operating income to assets | -1.6699% | 7,235 |
| Return on assets (ROA) | -1.6699% | 7,240 |
| Pretax return on assets | -1.6699% | 7,208 |
| Return on Equity (ROE) | -23.1299% | 7,258 |
| Retained earnings to average equity (ytd only) | -23.1299% | 7,211 |
| Net charge-offs to loans | -0.0809% | 7,024 |
| Credit loss provision to net charge-offs | -2,600.0000% | 6,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1111% | 573 |
| Assets per employee ($millions) | 2.1089% | 7,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1773% | 174 |
| Loan loss allowance to noncurrent loans | 92.8302% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 11.3332% | 311 |
| Noncurrent loans to loans | 5.5772% | 1,167 |
| Net loans and leases to total assets | 61.0419% | 4,070 |
| Net loans and leases to deposits | 65.8988% | 4,992 |
| Net loans and leases to core deposits | 65.8988% | 5,523 |
| Total domestic deposits to total assets | 92.6297% | 167 |
| Equity capital to assets | 7.2009% | 7,013 |
| Core capital (leverage) ratio | 6.8385% | 7,070 |
| Tier 1 risk-based capital ratio | 10.5295% | 6,789 |
| Total risk-based capital ratio | 11.8257% | 6,753 |
| Memoranda: | ||
| Average total assets | $15,091,000 | 7,494 |
| Average earning assets | $12,868,000 | 7,490 |
| Average equity | $1,089,500 | 7,532 |
| Average total loans | $9,889,500 | 7,319 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2392% | 3,413 |
| Cost of funding earning assets | 1.3667% | 3,475 |
| Net interest margin | 3.8724% | 3,628 |
| Noninterest income to average assets | 0.1304% | 6,744 |
| Noninterest expense to average assets | 6.2857% | 202 |
| Loan and lease loss provision to assets | 1.9554% | 683 |
| Net operating income to assets | -4.7384% | 7,515 |
| Return on assets (ROA) | -4.7384% | 7,522 |
| Pretax return on assets | -4.7384% | 7,521 |
| Return on Equity (ROE) | -62.9803% | 7,493 |
| Retained earnings to average equity (ytd only) | -62.9803% | 7,491 |
| Net charge-offs to loans | 3.6128% | 389 |
| Credit loss provision to net charge-offs | 78.5877% | 5,610 |
| Earnings coverage of net charge-offs (x) | -1.1185% | 6,629 |
| Efficiency ratio | 179.4498% | 121 |
| Assets per employee ($millions) | 2.2029% | 7,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2624% | 320 |
| Loan loss allowance to noncurrent loans | 102.0979% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 11.2127% | 330 |
| Noncurrent loans to loans | 4.1748% | 1,736 |
| Net loans and leases to total assets | 63.8003% | 3,914 |
| Net loans and leases to deposits | 68.9177% | 4,967 |
| Net loans and leases to core deposits | 70.1462% | 5,431 |
| Total domestic deposits to total assets | 92.5746% | 178 |
| Equity capital to assets | 7.2374% | 7,020 |
| Core capital (leverage) ratio | 6.7909% | 7,110 |
| Tier 1 risk-based capital ratio | 10.1820% | 6,882 |
| Total risk-based capital ratio | 11.4650% | 6,842 |
| Memoranda: | ||
| Average total assets | $17,643,200 | 7,519 |
| Average earning assets | $15,365,000 | 7,515 |
| Average equity | $1,327,400 | 7,603 |
| Average total loans | $12,151,400 | 7,296 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1566% | 4,043 |
| Cost of funding earning assets | 1.4375% | 3,351 |
| Net interest margin | 3.7191% | 4,310 |
| Noninterest income to average assets | 0.1905% | 6,516 |
| Noninterest expense to average assets | 4.0734% | 958 |
| Loan and lease loss provision to assets | 0.8059% | 1,883 |
| Net operating income to assets | -1.4286% | 7,089 |
| Return on assets (ROA) | -1.4286% | 7,109 |
| Pretax return on assets | -1.4286% | 7,024 |
| Return on Equity (ROE) | -18.8364% | 7,199 |
| Retained earnings to average equity (ytd only) | -18.8364% | 7,179 |
| Net charge-offs to loans | 2.4194% | 711 |
| Credit loss provision to net charge-offs | 48.0349% | 5,914 |
| Earnings coverage of net charge-offs (x) | -0.3712% | 6,278 |
| Efficiency ratio | 118.0467% | 415 |
| Assets per employee ($millions) | 2.3707% | 7,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7423% | 455 |
| Loan loss allowance to noncurrent loans | 43.5654% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 15.5469% | 139 |
| Noncurrent loans to loans | 8.5901% | 574 |
| Net loans and leases to total assets | 64.0133% | 4,130 |
| Net loans and leases to deposits | 71.0141% | 4,993 |
| Net loans and leases to core deposits | 72.2211% | 5,487 |
| Total domestic deposits to total assets | 90.1416% | 811 |
| Equity capital to assets | 9.5872% | 4,717 |
| Core capital (leverage) ratio | 8.7322% | 5,132 |
| Tier 1 risk-based capital ratio | 13.0533% | 4,540 |
| Total risk-based capital ratio | 14.3335% | 4,489 |
| Memoranda: | ||
| Average total assets | $18,199,000 | 7,603 |
| Average earning assets | $15,953,250 | 7,594 |
| Average equity | $1,380,250 | 7,699 |
| Average total loans | $12,620,250 | 7,369 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 5,617 |
| Cost of funding earning assets | 1.4637% | 3,468 |
| Net interest margin | 3.3834% | 5,704 |
| Noninterest income to average assets | 0.4591% | 4,441 |
| Noninterest expense to average assets | 3.9715% | 1,081 |
| Loan and lease loss provision to assets | 1.0676% | 1,354 |
| Net operating income to assets | -1.5694% | 7,175 |
| Return on assets (ROA) | -1.5694% | 7,185 |
| Pretax return on assets | -1.5694% | 7,102 |
| Return on Equity (ROE) | -22.4427% | 7,330 |
| Retained earnings to average equity (ytd only) | -22.4427% | 7,314 |
| Net charge-offs to loans | 1.3842% | 1,376 |
| Credit loss provision to net charge-offs | 109.8901% | 3,705 |
| Earnings coverage of net charge-offs (x) | -0.5165% | 6,020 |
| Efficiency ratio | 114.4615% | 488 |
| Assets per employee ($millions) | 2.0831% | 7,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4170% | 273 |
| Loan loss allowance to noncurrent loans | 29.1173% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 16.8231% | 99 |
| Noncurrent loans to loans | 15.1698% | 166 |
| Net loans and leases to total assets | 62.4440% | 4,594 |
| Net loans and leases to deposits | 67.6901% | 5,590 |
| Net loans and leases to core deposits | 69.7053% | 5,903 |
| Total domestic deposits to total assets | 92.2498% | 182 |
| Equity capital to assets | 7.5101% | 7,108 |
| Core capital (leverage) ratio | 7.3606% | 6,945 |
| Tier 1 risk-based capital ratio | 10.7703% | 6,469 |
| Total risk-based capital ratio | 12.0554% | 6,427 |
| Memoranda: | ||
| Average total assets | $18,733,670 | 7,659 |
| Average earning assets | $16,669,670 | 7,644 |
| Average equity | $1,310,000 | 7,769 |
| Average total loans | $13,148,330 | 7,391 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9372% | 1,110 |
| Cost of funding earning assets | 1.5199% | 3,419 |
| Net interest margin | 4.4173% | 1,342 |
| Noninterest income to average assets | 0.3631% | 5,235 |
| Noninterest expense to average assets | 4.0157% | 1,007 |
| Loan and lease loss provision to assets | 0.2136% | 4,376 |
| Net operating income to assets | 0.1068% | 6,006 |
| Return on assets (ROA) | 0.1068% | 6,112 |
| Pretax return on assets | 0.1068% | 6,116 |
| Return on Equity (ROE) | 1.5860% | 5,925 |
| Retained earnings to average equity (ytd only) | 1.5860% | 5,151 |
| Net charge-offs to loans | 0.9413% | 1,715 |
| Credit loss provision to net charge-offs | 31.2500% | 4,789 |
| Earnings coverage of net charge-offs (x) | 0.4688% | 4,607 |
| Efficiency ratio | 92.6108% | 1,235 |
| Assets per employee ($millions) | 2.3791% | 7,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8035% | 435 |
| Loan loss allowance to noncurrent loans | 34.2035% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 12.8514% | 217 |
| Noncurrent loans to loans | 11.1202% | 349 |
| Net loans and leases to total assets | 67.9031% | 3,409 |
| Net loans and leases to deposits | 74.1693% | 4,714 |
| Net loans and leases to core deposits | 76.3604% | 5,209 |
| Total domestic deposits to total assets | 91.5515% | 357 |
| Equity capital to assets | 8.1753% | 6,462 |
| Core capital (leverage) ratio | 8.2934% | 5,753 |
| Tier 1 risk-based capital ratio | 11.4246% | 5,739 |
| Total risk-based capital ratio | 12.7070% | 5,694 |
| Memoranda: | ||
| Average total assets | $18,726,500 | 7,755 |
| Average earning assets | $16,843,000 | 7,736 |
| Average equity | $1,261,000 | 7,858 |
| Average total loans | $13,598,500 | 7,463 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2790% | 179 |
| Cost of funding earning assets | 1.9209% | 3,350 |
| Net interest margin | 5.3581% | 225 |
| Noninterest income to average assets | 0.3316% | 5,716 |
| Noninterest expense to average assets | 4.0006% | 1,364 |
| Loan and lease loss provision to assets | 4.7481% | 227 |
| Net operating income to assets | -3.3742% | 7,478 |
| Return on assets (ROA) | -3.3742% | 7,478 |
| Pretax return on assets | -3.4689% | 7,413 |
| Return on Equity (ROE) | -42.0604% | 7,600 |
| Retained earnings to average equity (ytd only) | -47.2441% | 7,648 |
| Net charge-offs to loans | 4.8600% | 285 |
| Credit loss provision to net charge-offs | 118.2176% | 4,572 |
| Earnings coverage of net charge-offs (x) | 0.3185% | 5,798 |
| Efficiency ratio | 75.7727% | 3,563 |
| Assets per employee ($millions) | 2.3025% | 7,467 |
| Cash dividends to net income (ytd only)* | -12.3245% | 7,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8730% | 388 |
| Loan loss allowance to noncurrent loans | 35.1351% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 12.7579% | 215 |
| Noncurrent loans to loans | 11.0231% | 343 |
| Net loans and leases to total assets | 71.8187% | 2,800 |
| Net loans and leases to deposits | 76.9038% | 4,588 |
| Net loans and leases to core deposits | 97.4943% | 4,283 |
| Total domestic deposits to total assets | 93.3876% | 103 |
| Equity capital to assets | 5.2443% | 7,765 |
| Core capital (leverage) ratio | 5.0372% | 7,770 |
| Tier 1 risk-based capital ratio | 7.0154% | 7,745 |
| Total risk-based capital ratio | 8.3009% | 7,746 |
| Memoranda: | ||
| Average total assets | $18,997,200 | 7,803 |
| Average earning assets | $17,543,600 | 7,779 |
| Average equity | $1,524,000 | 7,924 |
| Average total loans | $15,699,600 | 7,417 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5874% | 124 |
| Cost of funding earning assets | 1.9868% | 3,436 |
| Net interest margin | 5.6006% | 164 |
| Noninterest income to average assets | 0.3135% | 5,972 |
| Noninterest expense to average assets | 3.8658% | 1,481 |
| Loan and lease loss provision to assets | 1.4488% | 1,326 |
| Net operating income to assets | 0.3274% | 4,688 |
| Return on assets (ROA) | 0.3274% | 4,792 |
| Pretax return on assets | 0.2020% | 5,300 |
| Return on Equity (ROE) | 3.7674% | 4,463 |
| Retained earnings to average equity (ytd only) | -2.5651% | 5,834 |
| Net charge-offs to loans | 0.7579% | 2,465 |
| Credit loss provision to net charge-offs | 226.0870% | 1,929 |
| Earnings coverage of net charge-offs (x) | 2.5761% | 3,937 |
| Efficiency ratio | 70.0758% | 4,575 |
| Assets per employee ($millions) | 2.3528% | 7,442 |
| Cash dividends to net income (ytd only)* | 168.0708% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2941% | 509 |
| Loan loss allowance to noncurrent loans | 51.2048% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 8.0438% | 533 |
| Noncurrent loans to loans | 6.4333% | 896 |
| Net loans and leases to total assets | 79.5452% | 1,272 |
| Net loans and leases to deposits | 89.2465% | 2,732 |
| Net loans and leases to core deposits | 111.6314% | 3,058 |
| Total domestic deposits to total assets | 89.1297% | 1,137 |
| Equity capital to assets | 8.8035% | 5,787 |
| Core capital (leverage) ratio | 8.5081% | 5,474 |
| Tier 1 risk-based capital ratio | 11.1254% | 5,834 |
| Total risk-based capital ratio | 12.3984% | 5,755 |
| Memoranda: | ||
| Average total assets | $19,141,500 | 7,877 |
| Average earning assets | $17,783,500 | 7,846 |
| Average equity | $1,663,500 | 7,984 |
| Average total loans | $16,184,000 | 7,461 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6619% | 128 |
| Cost of funding earning assets | 2.0157% | 3,701 |
| Net interest margin | 5.6462% | 152 |
| Noninterest income to average assets | 0.2805% | 6,260 |
| Noninterest expense to average assets | 3.9692% | 1,370 |
| Loan and lease loss provision to assets | 2.0158% | 805 |
| Net operating income to assets | -0.4468% | 6,493 |
| Return on assets (ROA) | -0.4468% | 6,502 |
| Pretax return on assets | -0.4364% | 6,363 |
| Return on Equity (ROE) | -5.1631% | 6,626 |
| Retained earnings to average equity (ytd only) | -8.7652% | 6,748 |
| Net charge-offs to loans | 0.2315% | 4,049 |
| Credit loss provision to net charge-offs | 1,021.0526% | 478 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,336 |
| Efficiency ratio | 71.5356% | 4,500 |
| Assets per employee ($millions) | 2.7481% | 6,743 |
| Cash dividends to net income (ytd only)* | -69.7674% | 8,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4437% | 398 |
| Loan loss allowance to noncurrent loans | 31.8055% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 9.9704% | 295 |
| Noncurrent loans to loans | 10.8273% | 291 |
| Net loans and leases to total assets | 82.9339% | 795 |
| Net loans and leases to deposits | 93.5554% | 2,164 |
| Net loans and leases to core deposits | 115.4247% | 2,769 |
| Total domestic deposits to total assets | 88.6469% | 1,461 |
| Equity capital to assets | 8.3329% | 6,287 |
| Core capital (leverage) ratio | 8.2548% | 5,879 |
| Tier 1 risk-based capital ratio | 10.4080% | 6,471 |
| Total risk-based capital ratio | 11.7009% | 6,376 |
| Memoranda: | ||
| Average total assets | $19,248,000 | 7,952 |
| Average earning assets | $17,959,000 | 7,919 |
| Average equity | $1,665,670 | 8,064 |
| Average total loans | $16,418,000 | 7,517 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8969% | 104 |
| Cost of funding earning assets | 2.0746% | 3,773 |
| Net interest margin | 5.8223% | 123 |
| Noninterest income to average assets | 0.2493% | 6,461 |
| Noninterest expense to average assets | 3.8642% | 1,359 |
| Loan and lease loss provision to assets | 0.0831% | 5,895 |
| Net operating income to assets | 1.7244% | 618 |
| Return on assets (ROA) | 1.7244% | 678 |
| Pretax return on assets | 1.7244% | 1,128 |
| Return on Equity (ROE) | 19.5639% | 454 |
| Retained earnings to average equity (ytd only) | 19.5639% | 178 |
| Net charge-offs to loans | 0.0978% | 4,199 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 21.7500% | 1,329 |
| Efficiency ratio | 68.1319% | 4,939 |
| Assets per employee ($millions) | 2.7611% | 6,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3982% | 851 |
| Loan loss allowance to noncurrent loans | 54.2700% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 4.4236% | 1,097 |
| Noncurrent loans to loans | 4.4190% | 1,317 |
| Net loans and leases to total assets | 82.9625% | 851 |
| Net loans and leases to deposits | 94.4013% | 2,209 |
| Net loans and leases to core deposits | 116.4065% | 2,759 |
| Total domestic deposits to total assets | 87.8829% | 1,803 |
| Equity capital to assets | 9.0232% | 5,327 |
| Core capital (leverage) ratio | 8.8953% | 4,865 |
| Tier 1 risk-based capital ratio | 11.5100% | 5,403 |
| Total risk-based capital ratio | 12.7743% | 5,281 |
| Memoranda: | ||
| Average total assets | $19,253,500 | 8,004 |
| Average earning assets | $17,931,000 | 7,966 |
| Average equity | $1,697,000 | 8,114 |
| Average total loans | $16,365,500 | 7,562 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9742% | 69 |
| Cost of funding earning assets | 2.5137% | 4,133 |
| Net interest margin | 6.4605% | 76 |
| Noninterest income to average assets | 0.4344% | 5,178 |
| Noninterest expense to average assets | 3.4192% | 2,613 |
| Loan and lease loss provision to assets | 1.3476% | 1,048 |
| Net operating income to assets | 1.6038% | 832 |
| Return on assets (ROA) | 1.6038% | 794 |
| Pretax return on assets | 1.6929% | 1,160 |
| Return on Equity (ROE) | 16.6186% | 682 |
| Retained earnings to average equity (ytd only) | -1.0964% | 5,623 |
| Net charge-offs to loans | 0.2032% | 4,174 |
| Credit loss provision to net charge-offs | 780.6452% | 552 |
| Earnings coverage of net charge-offs (x) | 17.6129% | 1,756 |
| Efficiency ratio | 52.9310% | 7,393 |
| Assets per employee ($millions) | 2.7399% | 6,697 |
| Cash dividends to net income (ytd only)* | 106.5972% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4169% | 752 |
| Loan loss allowance to noncurrent loans | 428.2609% | 987 |
| Noncurrent assets plus other real estate owned to assets | 1.1523% | 3,966 |
| Noncurrent loans to loans | 0.5643% | 5,676 |
| Net loans and leases to total assets | 82.9449% | 1,056 |
| Net loans and leases to deposits | 98.4101% | 2,066 |
| Net loans and leases to core deposits | 118.4160% | 2,841 |
| Total domestic deposits to total assets | 84.2849% | 3,185 |
| Equity capital to assets | 8.6032% | 5,931 |
| Core capital (leverage) ratio | 8.6810% | 5,234 |
| Tier 1 risk-based capital ratio | 11.1082% | 5,634 |
| Total risk-based capital ratio | 12.3748% | 5,502 |
| Memoranda: | ||
| Average total assets | $17,957,400 | 8,075 |
| Average earning assets | $16,748,000 | 8,044 |
| Average equity | $1,733,000 | 8,174 |
| Average total loans | $15,253,000 | 7,627 |