Home > The Citizens State Bank of Taylor County > Performance and Condition Ratios
The Citizens State Bank of Taylor County, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8682% | 1,922 |
| Cost of funding earning assets | 0.6121% | 3,636 |
| Net interest margin | 4.2561% | 1,259 |
| Noninterest income to average assets | 0.3455% | 3,660 |
| Noninterest expense to average assets | 3.0817% | 1,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1079% | 2,543 |
| Return on assets (ROA) | 1.1079% | 2,630 |
| Pretax return on assets | 1.1079% | 3,273 |
| Return on Equity (ROE) | 10.6274% | 2,163 |
| Retained earnings to average equity (ytd only) | 5.5312% | 2,611 |
| Net charge-offs to loans | -0.0290% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5567% | 1,633 |
| Assets per employee ($millions) | 4.6543% | 2,962 |
| Cash dividends to net income (ytd only)* | 47.9532% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 2,019 |
| Loan loss allowance to noncurrent loans | 167.2897% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 3,024 |
| Noncurrent loans to loans | 0.7703% | 2,043 |
| Net loans and leases to total assets | 45.3228% | 4,640 |
| Net loans and leases to deposits | 51.2235% | 4,737 |
| Net loans and leases to core deposits | 52.9412% | 4,778 |
| Total domestic deposits to total assets | 88.4805% | 837 |
| Equity capital to assets | 11.1063% | 3,006 |
| Core capital (leverage) ratio | 10.6431% | 2,982 |
| Tier 1 risk-based capital ratio | 21.2519% | 1,163 |
| Total risk-based capital ratio | 22.4202% | 1,151 |
| Memoranda: | ||
| Average total assets | $61,739,000 | 4,627 |
| Average earning assets | $55,762,000 | 4,652 |
| Average equity | $6,436,000 | 4,766 |
| Average total loans | $27,556,750 | 4,761 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8672% | 1,853 |
| Cost of funding earning assets | 0.5995% | 3,655 |
| Net interest margin | 4.2677% | 1,205 |
| Noninterest income to average assets | 0.3315% | 3,726 |
| Noninterest expense to average assets | 2.9735% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2068% | 2,127 |
| Return on assets (ROA) | 1.2068% | 2,188 |
| Pretax return on assets | 1.2068% | 2,884 |
| Return on Equity (ROE) | 11.8272% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.0240% | 2,273 |
| Net charge-offs to loans | -0.0291% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1316% | 2,050 |
| Assets per employee ($millions) | 3.7899% | 4,143 |
| Cash dividends to net income (ytd only)* | 49.0667% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,168 |
| Loan loss allowance to noncurrent loans | 147.5207% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 2,846 |
| Noncurrent loans to loans | 0.8573% | 1,891 |
| Net loans and leases to total assets | 45.9638% | 4,641 |
| Net loans and leases to deposits | 51.9380% | 4,741 |
| Net loans and leases to core deposits | 52.1821% | 4,816 |
| Total domestic deposits to total assets | 88.4975% | 878 |
| Equity capital to assets | 10.8989% | 3,177 |
| Core capital (leverage) ratio | 10.3478% | 3,242 |
| Tier 1 risk-based capital ratio | 20.3910% | 1,278 |
| Total risk-based capital ratio | 21.5220% | 1,268 |
| Memoranda: | ||
| Average total assets | $62,150,000 | 4,655 |
| Average earning assets | $56,048,330 | 4,684 |
| Average equity | $6,341,330 | 4,807 |
| Average total loans | $27,482,000 | 4,799 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 2,665 |
| Cost of funding earning assets | 0.5868% | 3,643 |
| Net interest margin | 3.9735% | 1,934 |
| Noninterest income to average assets | 0.3497% | 3,517 |
| Noninterest expense to average assets | 2.9759% | 2,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9475% | 3,057 |
| Return on assets (ROA) | 0.9475% | 3,098 |
| Pretax return on assets | 0.9475% | 3,621 |
| Return on Equity (ROE) | 9.6013% | 2,547 |
| Retained earnings to average equity (ytd only) | 5.7350% | 2,575 |
| Net charge-offs to loans | -0.0443% | 4,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8509% | 1,513 |
| Assets per employee ($millions) | 4.5754% | 3,081 |
| Cash dividends to net income (ytd only)* | 40.2685% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3260% | 1,974 |
| Loan loss allowance to noncurrent loans | 80.3612% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 1,988 |
| Noncurrent loans to loans | 1.6500% | 950 |
| Net loans and leases to total assets | 41.3582% | 4,850 |
| Net loans and leases to deposits | 46.1284% | 4,926 |
| Net loans and leases to core deposits | 46.3309% | 4,982 |
| Total domestic deposits to total assets | 89.6589% | 574 |
| Equity capital to assets | 9.9071% | 3,914 |
| Core capital (leverage) ratio | 10.1038% | 3,490 |
| Tier 1 risk-based capital ratio | 19.9226% | 1,350 |
| Total risk-based capital ratio | 21.0424% | 1,355 |
| Memoranda: | ||
| Average total assets | $62,905,500 | 4,689 |
| Average earning assets | $56,574,500 | 4,730 |
| Average equity | $6,207,500 | 4,861 |
| Average total loans | $27,108,500 | 4,863 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 3,297 |
| Cost of funding earning assets | 0.5024% | 3,335 |
| Net interest margin | 3.7430% | 2,887 |
| Noninterest income to average assets | 0.3918% | 3,483 |
| Noninterest expense to average assets | 3.0955% | 1,809 |
| Loan and lease loss provision to assets | 0.0170% | 3,819 |
| Net operating income to assets | 0.7294% | 4,040 |
| Return on assets (ROA) | 0.7294% | 4,047 |
| Pretax return on assets | 0.7294% | 4,342 |
| Return on Equity (ROE) | 7.3122% | 3,723 |
| Retained earnings to average equity (ytd only) | 3.8261% | 3,471 |
| Net charge-offs to loans | 0.0651% | 2,193 |
| Credit loss provision to net charge-offs | 58.8235% | 3,115 |
| Earnings coverage of net charge-offs (x) | 25.8824% | 1,751 |
| Efficiency ratio | 80.5740% | 909 |
| Assets per employee ($millions) | 4.4111% | 3,295 |
| Cash dividends to net income (ytd only)* | 47.6744% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,115 |
| Loan loss allowance to noncurrent loans | 78.7472% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.7692% | 1,816 |
| Noncurrent loans to loans | 1.6332% | 894 |
| Net loans and leases to total assets | 43.7480% | 4,827 |
| Net loans and leases to deposits | 48.7074% | 4,919 |
| Net loans and leases to core deposits | 48.9288% | 4,969 |
| Total domestic deposits to total assets | 89.8180% | 536 |
| Equity capital to assets | 9.8274% | 3,835 |
| Core capital (leverage) ratio | 10.7516% | 2,788 |
| Tier 1 risk-based capital ratio | 19.6525% | 1,373 |
| Total risk-based capital ratio | 20.7604% | 1,373 |
| Memoranda: | ||
| Average total assets | $58,955,800 | 4,782 |
| Average earning assets | $54,341,200 | 4,780 |
| Average equity | $5,880,600 | 4,917 |
| Average total loans | $26,127,400 | 4,905 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2013% | 3,322 |
| Cost of funding earning assets | 0.4950% | 3,228 |
| Net interest margin | 3.7063% | 2,997 |
| Noninterest income to average assets | 0.4028% | 3,468 |
| Noninterest expense to average assets | 3.1493% | 1,647 |
| Loan and lease loss provision to assets | 0.0229% | 3,562 |
| Net operating income to assets | 0.6752% | 4,301 |
| Return on assets (ROA) | 0.6752% | 4,313 |
| Pretax return on assets | 0.6752% | 4,592 |
| Return on Equity (ROE) | 6.7424% | 4,020 |
| Retained earnings to average equity (ytd only) | 2.0571% | 4,565 |
| Net charge-offs to loans | 0.0620% | 1,937 |
| Credit loss provision to net charge-offs | 83.3333% | 2,491 |
| Earnings coverage of net charge-offs (x) | 25.4163% | 1,779 |
| Efficiency ratio | 81.8560% | 784 |
| Assets per employee ($millions) | 4.1352% | 3,680 |
| Cash dividends to net income (ytd only)* | 69.4930% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 1,802 |
| Loan loss allowance to noncurrent loans | 95.4667% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 2,114 |
| Noncurrent loans to loans | 1.4389% | 1,147 |
| Net loans and leases to total assets | 44.3992% | 4,872 |
| Net loans and leases to deposits | 49.6513% | 4,962 |
| Net loans and leases to core deposits | 49.6513% | 5,028 |
| Total domestic deposits to total assets | 89.4219% | 696 |
| Equity capital to assets | 9.9770% | 3,672 |
| Core capital (leverage) ratio | 10.7209% | 2,864 |
| Tier 1 risk-based capital ratio | 19.9595% | 1,341 |
| Total risk-based capital ratio | 21.1288% | 1,327 |
| Memoranda: | ||
| Average total assets | $58,255,750 | 4,845 |
| Average earning assets | $54,140,750 | 4,836 |
| Average equity | $5,833,500 | 4,974 |
| Average total loans | $25,817,000 | 4,972 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1986% | 3,116 |
| Cost of funding earning assets | 0.4801% | 3,159 |
| Net interest margin | 3.7186% | 2,862 |
| Noninterest income to average assets | 0.4248% | 3,323 |
| Noninterest expense to average assets | 3.1348% | 1,707 |
| Loan and lease loss provision to assets | 0.0343% | 3,230 |
| Net operating income to assets | 0.7058% | 4,181 |
| Return on assets (ROA) | 0.7058% | 4,180 |
| Pretax return on assets | 0.7058% | 4,495 |
| Return on Equity (ROE) | 7.0395% | 3,890 |
| Retained earnings to average equity (ytd only) | 1.5719% | 4,616 |
| Net charge-offs to loans | 0.0544% | 1,822 |
| Credit loss provision to net charge-offs | 142.8571% | 1,621 |
| Earnings coverage of net charge-offs (x) | 30.8571% | 1,474 |
| Efficiency ratio | 80.9019% | 926 |
| Assets per employee ($millions) | 4.0618% | 3,796 |
| Cash dividends to net income (ytd only)* | 77.6699% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 1,720 |
| Loan loss allowance to noncurrent loans | 116.3462% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 2,431 |
| Noncurrent loans to loans | 1.2112% | 1,435 |
| Net loans and leases to total assets | 44.6619% | 4,878 |
| Net loans and leases to deposits | 50.0158% | 4,980 |
| Net loans and leases to core deposits | 50.0158% | 5,045 |
| Total domestic deposits to total assets | 89.2957% | 819 |
| Equity capital to assets | 10.2225% | 3,424 |
| Core capital (leverage) ratio | 10.5399% | 2,989 |
| Tier 1 risk-based capital ratio | 19.9316% | 1,330 |
| Total risk-based capital ratio | 21.1246% | 1,320 |
| Memoranda: | ||
| Average total assets | $58,376,670 | 4,900 |
| Average earning assets | $54,160,330 | 4,891 |
| Average equity | $5,852,670 | 5,025 |
| Average total loans | $25,735,330 | 5,029 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 3,349 |
| Cost of funding earning assets | 0.4737% | 3,013 |
| Net interest margin | 3.5926% | 3,210 |
| Noninterest income to average assets | 0.4465% | 3,138 |
| Noninterest expense to average assets | 3.1049% | 1,813 |
| Loan and lease loss provision to assets | 0.0676% | 2,410 |
| Net operating income to assets | 0.6088% | 4,403 |
| Return on assets (ROA) | 0.6088% | 4,408 |
| Pretax return on assets | 0.6088% | 4,665 |
| Return on Equity (ROE) | 6.1303% | 4,115 |
| Retained earnings to average equity (ytd only) | 2.3840% | 4,216 |
| Net charge-offs to loans | -0.1089% | 5,230 |
| Credit loss provision to net charge-offs | -142.8571% | 3,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1109% | 936 |
| Assets per employee ($millions) | 4.2685% | 3,534 |
| Cash dividends to net income (ytd only)* | 61.1111% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 1,484 |
| Loan loss allowance to noncurrent loans | 95.9184% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7028% | 2,217 |
| Noncurrent loans to loans | 1.5582% | 1,121 |
| Net loans and leases to total assets | 41.4699% | 5,001 |
| Net loans and leases to deposits | 46.1078% | 5,095 |
| Net loans and leases to core deposits | 46.1078% | 5,157 |
| Total domestic deposits to total assets | 89.9413% | 680 |
| Equity capital to assets | 9.7341% | 3,855 |
| Core capital (leverage) ratio | 10.0817% | 3,446 |
| Tier 1 risk-based capital ratio | 20.8124% | 1,232 |
| Total risk-based capital ratio | 22.0599% | 1,209 |
| Memoranda: | ||
| Average total assets | $59,132,500 | 4,945 |
| Average earning assets | $54,890,500 | 4,940 |
| Average equity | $5,872,500 | 5,075 |
| Average total loans | $25,723,000 | 5,083 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 3,303 |
| Cost of funding earning assets | 0.4464% | 2,811 |
| Net interest margin | 3.5841% | 3,226 |
| Noninterest income to average assets | 0.3672% | 3,841 |
| Noninterest expense to average assets | 3.0553% | 1,990 |
| Loan and lease loss provision to assets | 0.0503% | 3,216 |
| Net operating income to assets | 0.5735% | 4,126 |
| Return on assets (ROA) | 0.5869% | 4,108 |
| Pretax return on assets | 0.5869% | 4,767 |
| Return on Equity (ROE) | 5.9483% | 3,784 |
| Retained earnings to average equity (ytd only) | 4.1638% | 2,671 |
| Net charge-offs to loans | 0.0731% | 2,404 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 18.6000% | 2,071 |
| Efficiency ratio | 83.0447% | 851 |
| Assets per employee ($millions) | 4.1790% | 3,692 |
| Cash dividends to net income (ytd only)* | 30.0000% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,887 |
| Loan loss allowance to noncurrent loans | 121.2121% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5794% | 2,618 |
| Noncurrent loans to loans | 1.1298% | 1,568 |
| Net loans and leases to total assets | 44.3168% | 4,962 |
| Net loans and leases to deposits | 49.4517% | 5,083 |
| Net loans and leases to core deposits | 49.4517% | 5,150 |
| Total domestic deposits to total assets | 89.6164% | 726 |
| Equity capital to assets | 10.1323% | 3,559 |
| Core capital (leverage) ratio | 10.7213% | 2,620 |
| Tier 1 risk-based capital ratio | 20.0901% | 1,298 |
| Total risk-based capital ratio | 21.2915% | 1,274 |
| Memoranda: | ||
| Average total assets | $59,633,600 | 4,973 |
| Average earning assets | $55,105,000 | 4,974 |
| Average equity | $5,884,000 | 5,116 |
| Average total loans | $27,361,400 | 5,081 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 3,290 |
| Cost of funding earning assets | 0.4398% | 2,812 |
| Net interest margin | 3.5762% | 3,238 |
| Noninterest income to average assets | 0.3738% | 3,854 |
| Noninterest expense to average assets | 3.0731% | 1,884 |
| Loan and lease loss provision to assets | 0.0334% | 3,456 |
| Net operating income to assets | 0.5786% | 4,463 |
| Return on assets (ROA) | 0.5964% | 4,444 |
| Pretax return on assets | 0.5964% | 4,853 |
| Return on Equity (ROE) | 6.0841% | 4,088 |
| Retained earnings to average equity (ytd only) | 3.7005% | 3,725 |
| Net charge-offs to loans | 0.0338% | 2,756 |
| Credit loss provision to net charge-offs | 214.2857% | 1,279 |
| Earnings coverage of net charge-offs (x) | 39.2990% | 1,318 |
| Efficiency ratio | 83.3937% | 806 |
| Assets per employee ($millions) | 3.7036% | 4,443 |
| Cash dividends to net income (ytd only)* | 39.1806% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,755 |
| Loan loss allowance to noncurrent loans | 137.1648% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 2,885 |
| Noncurrent loans to loans | 0.8950% | 2,140 |
| Net loans and leases to total assets | 51.8469% | 4,579 |
| Net loans and leases to deposits | 58.5379% | 4,718 |
| Net loans and leases to core deposits | 58.5379% | 4,892 |
| Total domestic deposits to total assets | 88.5697% | 1,089 |
| Equity capital to assets | 10.8417% | 3,022 |
| Core capital (leverage) ratio | 10.5719% | 2,906 |
| Tier 1 risk-based capital ratio | 18.5801% | 1,706 |
| Total risk-based capital ratio | 19.7002% | 1,697 |
| Memoranda: | ||
| Average total assets | $59,915,500 | 5,020 |
| Average earning assets | $55,476,250 | 5,021 |
| Average equity | $5,873,000 | 5,176 |
| Average total loans | $27,629,750 | 5,131 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8844% | 3,606 |
| Cost of funding earning assets | 0.4391% | 2,705 |
| Net interest margin | 3.4453% | 3,610 |
| Noninterest income to average assets | 0.3911% | 3,741 |
| Noninterest expense to average assets | 2.9917% | 2,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5703% | 4,430 |
| Return on assets (ROA) | 0.5964% | 4,369 |
| Pretax return on assets | 0.5964% | 4,817 |
| Return on Equity (ROE) | 6.2854% | 3,913 |
| Retained earnings to average equity (ytd only) | 3.1942% | 3,814 |
| Net charge-offs to loans | 0.0295% | 2,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 1,185 |
| Efficiency ratio | 83.9890% | 849 |
| Assets per employee ($millions) | 4.1902% | 3,644 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,845 |
| Loan loss allowance to noncurrent loans | 84.5588% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 2,358 |
| Noncurrent loans to loans | 1.4524% | 1,303 |
| Net loans and leases to total assets | 47.2990% | 4,868 |
| Net loans and leases to deposits | 52.9715% | 5,019 |
| Net loans and leases to core deposits | 52.9715% | 5,119 |
| Total domestic deposits to total assets | 89.2914% | 810 |
| Equity capital to assets | 10.1785% | 3,695 |
| Core capital (leverage) ratio | 9.3590% | 4,278 |
| Tier 1 risk-based capital ratio | 18.3760% | 1,753 |
| Total risk-based capital ratio | 19.4564% | 1,760 |
| Memoranda: | ||
| Average total assets | $61,369,330 | 5,030 |
| Average earning assets | $56,483,000 | 5,037 |
| Average equity | $5,823,000 | 5,216 |
| Average total loans | $27,119,330 | 5,187 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6822% | 4,163 |
| Cost of funding earning assets | 0.4336% | 2,675 |
| Net interest margin | 3.2486% | 4,186 |
| Noninterest income to average assets | 0.3571% | 3,983 |
| Noninterest expense to average assets | 2.9527% | 2,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4145% | 4,909 |
| Return on assets (ROA) | 0.4400% | 4,837 |
| Pretax return on assets | 0.4400% | 5,077 |
| Return on Equity (ROE) | 4.8008% | 4,479 |
| Retained earnings to average equity (ytd only) | 3.0614% | 3,883 |
| Net charge-offs to loans | -0.0150% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6894% | 682 |
| Assets per employee ($millions) | 4.1173% | 3,812 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 2,557 |
| Loan loss allowance to noncurrent loans | 92.8382% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 2,689 |
| Noncurrent loans to loans | 1.3958% | 1,448 |
| Net loans and leases to total assets | 43.1662% | 5,089 |
| Net loans and leases to deposits | 47.8394% | 5,227 |
| Net loans and leases to core deposits | 47.8394% | 5,308 |
| Total domestic deposits to total assets | 90.2314% | 567 |
| Equity capital to assets | 9.4156% | 4,377 |
| Core capital (leverage) ratio | 9.2794% | 4,371 |
| Tier 1 risk-based capital ratio | 18.2755% | 1,785 |
| Total risk-based capital ratio | 19.3749% | 1,795 |
| Memoranda: | ||
| Average total assets | $62,722,500 | 5,056 |
| Average earning assets | $58,117,500 | 5,047 |
| Average equity | $5,749,000 | 5,276 |
| Average total loans | $26,633,000 | 5,252 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 2,529 |
| Cost of funding earning assets | 0.4822% | 2,237 |
| Net interest margin | 3.7048% | 2,673 |
| Noninterest income to average assets | 0.3045% | 4,565 |
| Noninterest expense to average assets | 3.0749% | 2,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3360% | 5,123 |
| Return on assets (ROA) | 0.3325% | 5,211 |
| Pretax return on assets | 0.3325% | 5,326 |
| Return on Equity (ROE) | 3.2422% | 5,089 |
| Retained earnings to average equity (ytd only) | 1.5187% | 4,657 |
| Net charge-offs to loans | 0.0309% | 3,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,658 |
| Efficiency ratio | 90.1488% | 546 |
| Assets per employee ($millions) | 4.2457% | 3,534 |
| Cash dividends to net income (ytd only)* | 53.1579% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 2,383 |
| Loan loss allowance to noncurrent loans | 86.6005% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.6815% | 2,668 |
| Noncurrent loans to loans | 1.5348% | 1,303 |
| Net loans and leases to total assets | 40.6808% | 5,288 |
| Net loans and leases to deposits | 44.8142% | 5,407 |
| Net loans and leases to core deposits | 44.8142% | 5,468 |
| Total domestic deposits to total assets | 90.7766% | 356 |
| Equity capital to assets | 8.9235% | 4,887 |
| Core capital (leverage) ratio | 8.8457% | 4,916 |
| Tier 1 risk-based capital ratio | 18.3374% | 1,765 |
| Total risk-based capital ratio | 19.4456% | 1,763 |
| Memoranda: | ||
| Average total assets | $57,139,600 | 5,210 |
| Average earning assets | $47,910,400 | 5,290 |
| Average equity | $5,860,200 | 5,297 |
| Average total loans | $25,887,800 | 5,319 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 1,808 |
| Cost of funding earning assets | 0.5083% | 2,033 |
| Net interest margin | 3.9086% | 1,946 |
| Noninterest income to average assets | 0.3051% | 4,584 |
| Noninterest expense to average assets | 3.1325% | 1,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3315% | 5,212 |
| Return on assets (ROA) | 0.3267% | 5,302 |
| Pretax return on assets | 0.3267% | 5,415 |
| Return on Equity (ROE) | 3.0710% | 5,200 |
| Retained earnings to average equity (ytd only) | 0.7904% | 5,150 |
| Net charge-offs to loans | -0.0517% | 5,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4300% | 543 |
| Assets per employee ($millions) | 4.5041% | 3,078 |
| Cash dividends to net income (ytd only)* | 74.2624% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 2,473 |
| Loan loss allowance to noncurrent loans | 72.5838% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 0.8532% | 2,424 |
| Noncurrent loans to loans | 1.8497% | 1,098 |
| Net loans and leases to total assets | 42.8843% | 5,258 |
| Net loans and leases to deposits | 47.7268% | 5,388 |
| Net loans and leases to core deposits | 47.7268% | 5,461 |
| Total domestic deposits to total assets | 89.8538% | 533 |
| Equity capital to assets | 9.5198% | 4,641 |
| Core capital (leverage) ratio | 9.7606% | 3,859 |
| Tier 1 risk-based capital ratio | 17.7461% | 1,992 |
| Total risk-based capital ratio | 18.8876% | 1,992 |
| Memoranda: | ||
| Average total assets | $55,503,000 | 5,282 |
| Average earning assets | $44,856,750 | 5,417 |
| Average equity | $5,904,500 | 5,352 |
| Average total loans | $25,795,500 | 5,376 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3989% | 1,829 |
| Cost of funding earning assets | 0.5060% | 2,056 |
| Net interest margin | 3.8929% | 2,001 |
| Noninterest income to average assets | 0.3095% | 4,562 |
| Noninterest expense to average assets | 3.2877% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2454% | 5,436 |
| Return on assets (ROA) | 0.2378% | 5,517 |
| Pretax return on assets | 0.2378% | 5,575 |
| Return on Equity (ROE) | 2.1459% | 5,476 |
| Retained earnings to average equity (ytd only) | -0.4428% | 5,360 |
| Net charge-offs to loans | -0.0792% | 5,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0556% | 448 |
| Assets per employee ($millions) | 3.8449% | 4,177 |
| Cash dividends to net income (ytd only)* | 120.6349% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 2,614 |
| Loan loss allowance to noncurrent loans | 147.0120% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 3,462 |
| Noncurrent loans to loans | 0.9055% | 2,474 |
| Net loans and leases to total assets | 50.8100% | 4,781 |
| Net loans and leases to deposits | 57.6214% | 4,922 |
| Net loans and leases to core deposits | 57.6214% | 5,087 |
| Total domestic deposits to total assets | 88.1790% | 1,336 |
| Equity capital to assets | 11.2005% | 2,846 |
| Core capital (leverage) ratio | 10.5022% | 2,974 |
| Tier 1 risk-based capital ratio | 18.4626% | 1,809 |
| Total risk-based capital ratio | 19.6635% | 1,782 |
| Memoranda: | ||
| Average total assets | $52,984,670 | 5,402 |
| Average earning assets | $43,874,670 | 5,499 |
| Average equity | $5,871,670 | 5,408 |
| Average total loans | $25,257,330 | 5,454 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2641% | 2,257 |
| Cost of funding earning assets | 0.5135% | 1,998 |
| Net interest margin | 3.7505% | 2,477 |
| Noninterest income to average assets | 0.2663% | 4,829 |
| Noninterest expense to average assets | 3.3712% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0076% | 5,778 |
| Return on assets (ROA) | -0.0076% | 5,817 |
| Pretax return on assets | -0.0076% | 5,817 |
| Return on Equity (ROE) | -0.0690% | 5,820 |
| Retained earnings to average equity (ytd only) | -1.8643% | 5,374 |
| Net charge-offs to loans | 0.0166% | 2,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,870 |
| Efficiency ratio | 99.7748% | 297 |
| Assets per employee ($millions) | 4.0193% | 3,913 |
| Cash dividends to net income (ytd only)* | -2,600.0000% | 6,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 2,013 |
| Loan loss allowance to noncurrent loans | 114.4231% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 3,088 |
| Noncurrent loans to loans | 1.3064% | 1,840 |
| Net loans and leases to total assets | 45.0250% | 5,184 |
| Net loans and leases to deposits | 50.9695% | 5,286 |
| Net loans and leases to core deposits | 50.9695% | 5,407 |
| Total domestic deposits to total assets | 88.3371% | 1,444 |
| Equity capital to assets | 11.1711% | 2,750 |
| Core capital (leverage) ratio | 10.7299% | 2,690 |
| Tier 1 risk-based capital ratio | 20.5760% | 1,386 |
| Total risk-based capital ratio | 21.8234% | 1,367 |
| Memoranda: | ||
| Average total assets | $52,563,000 | 5,460 |
| Average earning assets | $43,620,500 | 5,557 |
| Average equity | $5,793,000 | 5,454 |
| Average total loans | $24,026,500 | 5,550 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4597% | 1,718 |
| Cost of funding earning assets | 0.5683% | 1,605 |
| Net interest margin | 3.8914% | 2,062 |
| Noninterest income to average assets | 0.4541% | 3,633 |
| Noninterest expense to average assets | 3.4385% | 1,411 |
| Loan and lease loss provision to assets | -0.1500% | 5,920 |
| Net operating income to assets | 0.3160% | 5,318 |
| Return on assets (ROA) | 0.3180% | 5,390 |
| Pretax return on assets | 0.3180% | 5,486 |
| Return on Equity (ROE) | 2.7990% | 5,372 |
| Retained earnings to average equity (ytd only) | 1.2851% | 4,985 |
| Net charge-offs to loans | 0.4187% | 681 |
| Credit loss provision to net charge-offs | -77.3196% | 5,105 |
| Earnings coverage of net charge-offs (x) | 0.8557% | 4,168 |
| Efficiency ratio | 95.3940% | 426 |
| Assets per employee ($millions) | 3.7768% | 4,331 |
| Cash dividends to net income (ytd only)* | 54.0881% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 2,084 |
| Loan loss allowance to noncurrent loans | 107.4850% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.7622% | 2,779 |
| Noncurrent loans to loans | 1.3819% | 1,699 |
| Net loans and leases to total assets | 45.0326% | 5,224 |
| Net loans and leases to deposits | 50.7492% | 5,349 |
| Net loans and leases to core deposits | 50.7492% | 5,464 |
| Total domestic deposits to total assets | 88.7357% | 1,264 |
| Equity capital to assets | 10.8728% | 2,965 |
| Core capital (leverage) ratio | 11.5726% | 1,908 |
| Tier 1 risk-based capital ratio | 20.1445% | 1,456 |
| Total risk-based capital ratio | 21.3914% | 1,430 |
| Memoranda: | ||
| Average total assets | $49,992,800 | 5,542 |
| Average earning assets | $40,473,800 | 5,662 |
| Average equity | $5,680,600 | 5,509 |
| Average total loans | $23,168,600 | 5,619 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4775% | 1,668 |
| Cost of funding earning assets | 0.5791% | 1,554 |
| Net interest margin | 3.8984% | 2,036 |
| Noninterest income to average assets | 0.4681% | 3,580 |
| Noninterest expense to average assets | 3.4258% | 1,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1759% | 5,718 |
| Return on assets (ROA) | 0.1759% | 5,773 |
| Pretax return on assets | 0.1759% | 5,819 |
| Return on Equity (ROE) | 1.5301% | 5,771 |
| Retained earnings to average equity (ytd only) | -0.4944% | 5,690 |
| Net charge-offs to loans | 0.0873% | 2,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.3330% | 3,366 |
| Efficiency ratio | 95.1165% | 451 |
| Assets per employee ($millions) | 3.3806% | 5,015 |
| Cash dividends to net income (ytd only)* | 132.3102% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1251% | 736 |
| Loan loss allowance to noncurrent loans | 215.0000% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 3,014 |
| Noncurrent loans to loans | 0.9884% | 2,519 |
| Net loans and leases to total assets | 50.2134% | 4,913 |
| Net loans and leases to deposits | 57.5117% | 5,033 |
| Net loans and leases to core deposits | 57.5117% | 5,218 |
| Total domestic deposits to total assets | 87.3098% | 1,889 |
| Equity capital to assets | 12.0415% | 2,073 |
| Core capital (leverage) ratio | 11.6045% | 1,953 |
| Tier 1 risk-based capital ratio | 20.8602% | 1,368 |
| Total risk-based capital ratio | 22.1174% | 1,340 |
| Memoranda: | ||
| Average total assets | $49,272,250 | 5,629 |
| Average earning assets | $39,604,500 | 5,765 |
| Average equity | $5,663,500 | 5,580 |
| Average total loans | $22,918,250 | 5,697 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 1,829 |
| Cost of funding earning assets | 0.5871% | 1,509 |
| Net interest margin | 3.8210% | 2,238 |
| Noninterest income to average assets | 0.4687% | 3,570 |
| Noninterest expense to average assets | 3.3894% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1042% | 5,872 |
| Return on assets (ROA) | 0.1042% | 5,921 |
| Pretax return on assets | 0.1042% | 5,930 |
| Return on Equity (ROE) | 0.9201% | 5,913 |
| Retained earnings to average equity (ytd only) | -1.3447% | 5,746 |
| Net charge-offs to loans | 0.1692% | 1,452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.3684% | 3,528 |
| Efficiency ratio | 97.0183% | 404 |
| Assets per employee ($millions) | 3.5074% | 4,773 |
| Cash dividends to net income (ytd only)* | 246.1538% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1323% | 814 |
| Loan loss allowance to noncurrent loans | 205.6225% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7454% | 3,148 |
| Noncurrent loans to loans | 1.0370% | 2,571 |
| Net loans and leases to total assets | 47.8586% | 5,121 |
| Net loans and leases to deposits | 54.3076% | 5,234 |
| Net loans and leases to core deposits | 54.3076% | 5,402 |
| Total domestic deposits to total assets | 88.1250% | 1,584 |
| Equity capital to assets | 11.3435% | 2,535 |
| Core capital (leverage) ratio | 11.1435% | 2,296 |
| Tier 1 risk-based capital ratio | 20.5629% | 1,439 |
| Total risk-based capital ratio | 21.8206% | 1,414 |
| Memoranda: | ||
| Average total assets | $49,920,330 | 5,669 |
| Average earning assets | $39,518,000 | 5,829 |
| Average equity | $5,651,670 | 5,638 |
| Average total loans | $22,464,000 | 5,762 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 1,880 |
| Cost of funding earning assets | 0.6109% | 1,360 |
| Net interest margin | 3.7569% | 2,405 |
| Noninterest income to average assets | 0.4689% | 3,510 |
| Noninterest expense to average assets | 3.3539% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0477% | 5,954 |
| Return on assets (ROA) | 0.0477% | 6,001 |
| Pretax return on assets | 0.0477% | 5,998 |
| Return on Equity (ROE) | 0.4216% | 5,994 |
| Retained earnings to average equity (ytd only) | -0.9838% | 5,554 |
| Net charge-offs to loans | 0.0369% | 2,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,667 |
| Efficiency ratio | 98.5981% | 414 |
| Assets per employee ($millions) | 3.3815% | 5,112 |
| Cash dividends to net income (ytd only)* | 333.3333% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4258% | 590 |
| Loan loss allowance to noncurrent loans | 204.2471% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8103% | 3,084 |
| Noncurrent loans to loans | 1.1877% | 2,396 |
| Net loans and leases to total assets | 41.9502% | 5,489 |
| Net loans and leases to deposits | 47.4701% | 5,591 |
| Net loans and leases to core deposits | 47.4701% | 5,689 |
| Total domestic deposits to total assets | 88.3719% | 1,613 |
| Equity capital to assets | 11.2693% | 2,684 |
| Core capital (leverage) ratio | 10.9270% | 2,490 |
| Tier 1 risk-based capital ratio | 20.5183% | 1,524 |
| Total risk-based capital ratio | 21.7755% | 1,487 |
| Memoranda: | ||
| Average total assets | $50,329,000 | 5,716 |
| Average earning assets | $39,287,500 | 5,886 |
| Average equity | $5,692,500 | 5,676 |
| Average total loans | $21,690,000 | 5,832 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 2,607 |
| Cost of funding earning assets | 0.6390% | 1,486 |
| Net interest margin | 3.6607% | 3,177 |
| Noninterest income to average assets | 0.5398% | 3,238 |
| Noninterest expense to average assets | 3.6324% | 1,244 |
| Loan and lease loss provision to assets | -0.4938% | 6,445 |
| Net operating income to assets | 0.4101% | 5,191 |
| Return on assets (ROA) | 0.4101% | 5,251 |
| Pretax return on assets | 0.4101% | 5,456 |
| Return on Equity (ROE) | 3.5300% | 5,285 |
| Retained earnings to average equity (ytd only) | 0.6484% | 5,469 |
| Net charge-offs to loans | 0.1018% | 3,052 |
| Credit loss provision to net charge-offs | -1,123.8095% | 5,918 |
| Earnings coverage of net charge-offs (x) | -1.9048% | 4,834 |
| Efficiency ratio | 102.3585% | 321 |
| Assets per employee ($millions) | 3.3291% | 5,220 |
| Cash dividends to net income (ytd only)* | 81.6327% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4614% | 583 |
| Loan loss allowance to noncurrent loans | 122.3502% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 2,609 |
| Noncurrent loans to loans | 2.0118% | 1,381 |
| Net loans and leases to total assets | 42.1379% | 5,605 |
| Net loans and leases to deposits | 47.6883% | 5,700 |
| Net loans and leases to core deposits | 47.6883% | 5,828 |
| Total domestic deposits to total assets | 88.3611% | 1,589 |
| Equity capital to assets | 11.3525% | 2,558 |
| Core capital (leverage) ratio | 11.9844% | 1,629 |
| Tier 1 risk-based capital ratio | 20.9308% | 1,419 |
| Total risk-based capital ratio | 22.1911% | 1,387 |
| Memoranda: | ||
| Average total assets | $47,791,800 | 5,837 |
| Average earning assets | $39,281,600 | 5,944 |
| Average equity | $5,552,400 | 5,728 |
| Average total loans | $20,627,600 | 5,937 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1944% | 3,010 |
| Cost of funding earning assets | 0.6283% | 1,613 |
| Net interest margin | 3.5661% | 3,573 |
| Noninterest income to average assets | 0.5276% | 3,340 |
| Noninterest expense to average assets | 3.6086% | 1,280 |
| Loan and lease loss provision to assets | -0.1721% | 6,362 |
| Net operating income to assets | 0.1016% | 6,028 |
| Return on assets (ROA) | 0.1552% | 5,972 |
| Pretax return on assets | 0.1552% | 6,007 |
| Return on Equity (ROE) | 1.3277% | 5,981 |
| Retained earnings to average equity (ytd only) | -2.5347% | 6,114 |
| Net charge-offs to loans | 0.0719% | 3,171 |
| Credit loss provision to net charge-offs | -554.5455% | 5,770 |
| Earnings coverage of net charge-offs (x) | -2.2720% | 4,575 |
| Efficiency ratio | 101.9936% | 327 |
| Assets per employee ($millions) | 3.0371% | 5,690 |
| Cash dividends to net income (ytd only)* | 290.9178% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3048% | 268 |
| Loan loss allowance to noncurrent loans | 155.7734% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.2271% | 2,510 |
| Noncurrent loans to loans | 2.1216% | 1,473 |
| Net loans and leases to total assets | 45.9215% | 5,386 |
| Net loans and leases to deposits | 52.6793% | 5,493 |
| Net loans and leases to core deposits | 52.6793% | 5,641 |
| Total domestic deposits to total assets | 87.1718% | 2,222 |
| Equity capital to assets | 12.2201% | 1,887 |
| Core capital (leverage) ratio | 11.4792% | 2,082 |
| Tier 1 risk-based capital ratio | 21.0310% | 1,446 |
| Total risk-based capital ratio | 22.2995% | 1,420 |
| Memoranda: | ||
| Average total assets | $47,255,750 | 5,920 |
| Average earning assets | $39,893,500 | 5,989 |
| Average equity | $5,523,250 | 5,792 |
| Average total loans | $20,391,250 | 6,008 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 3,430 |
| Cost of funding earning assets | 0.6189% | 1,742 |
| Net interest margin | 3.4609% | 3,932 |
| Noninterest income to average assets | 0.2760% | 5,218 |
| Noninterest expense to average assets | 3.3039% | 1,913 |
| Loan and lease loss provision to assets | -0.2551% | 6,508 |
| Net operating income to assets | 0.1506% | 5,953 |
| Return on assets (ROA) | 0.2300% | 5,823 |
| Pretax return on assets | 0.2300% | 5,905 |
| Return on Equity (ROE) | 1.9969% | 5,835 |
| Retained earnings to average equity (ytd only) | -0.9077% | 5,837 |
| Net charge-offs to loans | 0.1702% | 2,034 |
| Credit loss provision to net charge-offs | -358.8235% | 5,503 |
| Earnings coverage of net charge-offs (x) | -1.4706% | 4,229 |
| Efficiency ratio | 103.2680% | 329 |
| Assets per employee ($millions) | 3.4923% | 4,864 |
| Cash dividends to net income (ytd only)* | 145.4545% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2771% | 283 |
| Loan loss allowance to noncurrent loans | 144.1057% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.2108% | 2,666 |
| Noncurrent loans to loans | 2.2741% | 1,431 |
| Net loans and leases to total assets | 42.8005% | 5,623 |
| Net loans and leases to deposits | 48.6617% | 5,731 |
| Net loans and leases to core deposits | 48.6617% | 5,866 |
| Total domestic deposits to total assets | 87.9551% | 1,926 |
| Equity capital to assets | 11.5315% | 2,392 |
| Core capital (leverage) ratio | 11.4654% | 2,034 |
| Tier 1 risk-based capital ratio | 20.7575% | 1,495 |
| Total risk-based capital ratio | 22.0249% | 1,474 |
| Memoranda: | ||
| Average total assets | $47,822,330 | 5,958 |
| Average earning assets | $40,394,330 | 6,036 |
| Average equity | $5,508,670 | 5,832 |
| Average total loans | $19,976,670 | 6,078 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0329% | 3,552 |
| Cost of funding earning assets | 0.6251% | 1,773 |
| Net interest margin | 3.4078% | 4,084 |
| Noninterest income to average assets | 0.5329% | 3,170 |
| Noninterest expense to average assets | 3.4174% | 1,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0254% | 6,233 |
| Return on assets (ROA) | -0.0338% | 6,243 |
| Pretax return on assets | -0.0338% | 6,238 |
| Return on Equity (ROE) | -0.2939% | 6,244 |
| Retained earnings to average equity (ytd only) | -3.2329% | 5,986 |
| Net charge-offs to loans | 0.1462% | 1,845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.4286% | 3,469 |
| Efficiency ratio | 100.7481% | 447 |
| Assets per employee ($millions) | 3.4079% | 5,136 |
| Cash dividends to net income (ytd only)* | -1,000.0000% | 6,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0031% | 187 |
| Loan loss allowance to noncurrent loans | 225.7225% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 1.2324% | 2,792 |
| Noncurrent loans to loans | 1.7734% | 2,172 |
| Net loans and leases to total assets | 39.2559% | 5,860 |
| Net loans and leases to deposits | 44.5950% | 5,940 |
| Net loans and leases to core deposits | 44.8706% | 6,041 |
| Total domestic deposits to total assets | 88.0277% | 2,225 |
| Equity capital to assets | 11.5343% | 2,218 |
| Core capital (leverage) ratio | 11.7303% | 1,814 |
| Tier 1 risk-based capital ratio | 22.2053% | 1,257 |
| Total risk-based capital ratio | 23.4777% | 1,236 |
| Memoranda: | ||
| Average total assets | $47,287,500 | 6,033 |
| Average earning assets | $39,673,500 | 6,110 |
| Average equity | $5,444,000 | 5,886 |
| Average total loans | $19,147,500 | 6,169 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5908% | 1,905 |
| Cost of funding earning assets | 0.7008% | 1,811 |
| Net interest margin | 3.8900% | 2,325 |
| Noninterest income to average assets | 0.5897% | 3,152 |
| Noninterest expense to average assets | 3.5381% | 1,571 |
| Loan and lease loss provision to assets | 0.0604% | 3,933 |
| Net operating income to assets | 0.2779% | 5,596 |
| Return on assets (ROA) | 0.6235% | 4,267 |
| Pretax return on assets | 0.6235% | 4,794 |
| Return on Equity (ROE) | 4.5308% | 4,878 |
| Retained earnings to average equity (ytd only) | 1.1064% | 5,336 |
| Net charge-offs to loans | 0.0418% | 4,633 |
| Credit loss provision to net charge-offs | 312.5000% | 731 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,710 |
| Efficiency ratio | 91.2718% | 927 |
| Assets per employee ($millions) | 3.1243% | 5,626 |
| Cash dividends to net income (ytd only)* | 75.5814% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1895% | 176 |
| Loan loss allowance to noncurrent loans | 200.7653% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.4296% | 2,600 |
| Noncurrent loans to loans | 2.0868% | 1,897 |
| Net loans and leases to total assets | 38.4039% | 6,061 |
| Net loans and leases to deposits | 43.5776% | 6,143 |
| Net loans and leases to core deposits | 43.8516% | 6,233 |
| Total domestic deposits to total assets | 88.1276% | 2,103 |
| Equity capital to assets | 11.4905% | 2,171 |
| Core capital (leverage) ratio | 13.2881% | 1,028 |
| Tier 1 risk-based capital ratio | 23.0855% | 1,083 |
| Total risk-based capital ratio | 24.3605% | 1,057 |
| Memoranda: | ||
| Average total assets | $41,377,800 | 6,246 |
| Average earning assets | $34,961,600 | 6,320 |
| Average equity | $5,694,400 | 5,883 |
| Average total loans | $19,146,200 | 6,245 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 1,413 |
| Cost of funding earning assets | 0.7221% | 1,794 |
| Net interest margin | 4.0497% | 1,787 |
| Noninterest income to average assets | 0.5599% | 3,390 |
| Noninterest expense to average assets | 3.3927% | 1,845 |
| Loan and lease loss provision to assets | 0.0833% | 3,398 |
| Net operating income to assets | 0.5232% | 4,699 |
| Return on assets (ROA) | 0.9998% | 2,464 |
| Pretax return on assets | 0.9998% | 3,504 |
| Return on Equity (ROE) | 6.9301% | 3,695 |
| Retained earnings to average equity (ytd only) | 2.4256% | 4,876 |
| Net charge-offs to loans | -0.1248% | 6,550 |
| Credit loss provision to net charge-offs | -138.8889% | 5,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8333% | 1,495 |
| Assets per employee ($millions) | 2.7868% | 6,174 |
| Cash dividends to net income (ytd only)* | 64.9991% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4132% | 175 |
| Loan loss allowance to noncurrent loans | 239.8230% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 1.4306% | 2,812 |
| Noncurrent loans to loans | 1.8402% | 2,447 |
| Net loans and leases to total assets | 42.1248% | 5,891 |
| Net loans and leases to deposits | 49.0734% | 5,900 |
| Net loans and leases to core deposits | 49.4288% | 6,044 |
| Total domestic deposits to total assets | 85.8404% | 3,346 |
| Equity capital to assets | 13.2051% | 1,240 |
| Core capital (leverage) ratio | 14.1822% | 825 |
| Tier 1 risk-based capital ratio | 24.5146% | 933 |
| Total risk-based capital ratio | 25.7931% | 908 |
| Memoranda: | ||
| Average total assets | $40,006,000 | 6,360 |
| Average earning assets | $33,976,750 | 6,420 |
| Average equity | $5,771,750 | 5,935 |
| Average total loans | $19,236,500 | 6,306 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 1,121 |
| Cost of funding earning assets | 0.7315% | 1,829 |
| Net interest margin | 4.1572% | 1,389 |
| Noninterest income to average assets | 0.5633% | 3,421 |
| Noninterest expense to average assets | 3.1009% | 2,659 |
| Loan and lease loss provision to assets | 0.1269% | 2,733 |
| Net operating income to assets | 0.8831% | 2,880 |
| Return on assets (ROA) | 1.6139% | 805 |
| Pretax return on assets | 1.6139% | 1,325 |
| Return on Equity (ROE) | 10.8613% | 1,858 |
| Retained earnings to average equity (ytd only) | 6.4211% | 2,190 |
| Net charge-offs to loans | -0.1025% | 6,505 |
| Credit loss provision to net charge-offs | -250.0000% | 5,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4321% | 2,871 |
| Assets per employee ($millions) | 3.2240% | 5,425 |
| Cash dividends to net income (ytd only)* | 40.8805% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2737% | 208 |
| Loan loss allowance to noncurrent loans | 223.6111% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 1.6155% | 2,691 |
| Noncurrent loans to loans | 1.9112% | 2,492 |
| Net loans and leases to total assets | 46.6062% | 5,465 |
| Net loans and leases to deposits | 55.1626% | 5,423 |
| Net loans and leases to core deposits | 55.5980% | 5,632 |
| Total domestic deposits to total assets | 84.4887% | 4,129 |
| Equity capital to assets | 14.6014% | 796 |
| Core capital (leverage) ratio | 14.5385% | 690 |
| Tier 1 risk-based capital ratio | 24.9704% | 875 |
| Total risk-based capital ratio | 26.2494% | 858 |
| Memoranda: | ||
| Average total assets | $39,407,330 | 6,422 |
| Average earning assets | $33,628,000 | 6,481 |
| Average equity | $5,855,670 | 5,960 |
| Average total loans | $19,508,000 | 6,329 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 823 |
| Cost of funding earning assets | 0.7231% | 2,041 |
| Net interest margin | 4.3270% | 916 |
| Noninterest income to average assets | 0.4828% | 3,902 |
| Noninterest expense to average assets | 3.1886% | 2,381 |
| Loan and lease loss provision to assets | 0.2515% | 1,428 |
| Net operating income to assets | 0.7745% | 3,309 |
| Return on assets (ROA) | 0.7846% | 3,378 |
| Pretax return on assets | 0.7846% | 4,231 |
| Return on Equity (ROE) | 5.2358% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.2358% | 3,092 |
| Net charge-offs to loans | 0.1008% | 2,848 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,186 |
| Efficiency ratio | 75.6563% | 2,984 |
| Assets per employee ($millions) | 3.3188% | 5,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0962% | 263 |
| Loan loss allowance to noncurrent loans | 255.6634% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 1.4413% | 3,098 |
| Noncurrent loans to loans | 1.6022% | 3,139 |
| Net loans and leases to total assets | 46.4420% | 5,391 |
| Net loans and leases to deposits | 55.1428% | 5,335 |
| Net loans and leases to core deposits | 55.6672% | 5,547 |
| Total domestic deposits to total assets | 84.2214% | 4,382 |
| Equity capital to assets | 15.0806% | 741 |
| Core capital (leverage) ratio | 14.0608% | 784 |
| Tier 1 risk-based capital ratio | 24.3702% | 972 |
| Total risk-based capital ratio | 25.6473% | 951 |
| Memoranda: | ||
| Average total assets | $39,767,000 | 6,465 |
| Average earning assets | $34,296,500 | 6,514 |
| Average equity | $5,959,000 | 5,999 |
| Average total loans | $19,844,000 | 6,367 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4745% | 656 |
| Cost of funding earning assets | 0.8483% | 2,301 |
| Net interest margin | 4.6262% | 748 |
| Noninterest income to average assets | 0.5832% | 3,374 |
| Noninterest expense to average assets | 3.2472% | 2,475 |
| Loan and lease loss provision to assets | 0.4824% | 1,268 |
| Net operating income to assets | 0.4407% | 4,923 |
| Return on assets (ROA) | 0.5832% | 4,575 |
| Pretax return on assets | 0.5832% | 5,044 |
| Return on Equity (ROE) | 4.5948% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.5948% | 2,989 |
| Net charge-offs to loans | 0.1437% | 4,254 |
| Credit loss provision to net charge-offs | 709.6774% | 347 |
| Earnings coverage of net charge-offs (x) | 13.5806% | 1,812 |
| Efficiency ratio | 77.8654% | 2,466 |
| Assets per employee ($millions) | 3.3090% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7741% | 335 |
| Loan loss allowance to noncurrent loans | 242.9022% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 1.7427% | 2,781 |
| Noncurrent loans to loans | 1.5538% | 3,289 |
| Net loans and leases to total assets | 49.4409% | 5,249 |
| Net loans and leases to deposits | 58.5296% | 5,180 |
| Net loans and leases to core deposits | 59.0863% | 5,446 |
| Total domestic deposits to total assets | 84.4716% | 4,093 |
| Equity capital to assets | 14.8887% | 771 |
| Core capital (leverage) ratio | 13.6427% | 904 |
| Tier 1 risk-based capital ratio | 23.2990% | 1,067 |
| Total risk-based capital ratio | 24.5753% | 1,047 |
| Memoranda: | ||
| Average total assets | $45,608,800 | 6,337 |
| Average earning assets | $35,363,800 | 6,520 |
| Average equity | $5,789,200 | 6,077 |
| Average total loans | $21,569,200 | 6,357 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4765% | 720 |
| Cost of funding earning assets | 0.8815% | 2,302 |
| Net interest margin | 4.5950% | 830 |
| Noninterest income to average assets | 0.5947% | 3,314 |
| Noninterest expense to average assets | 2.9394% | 3,448 |
| Loan and lease loss provision to assets | 0.5097% | 1,196 |
| Net operating income to assets | 0.6145% | 4,327 |
| Return on assets (ROA) | 0.5890% | 4,712 |
| Pretax return on assets | 0.5890% | 5,202 |
| Return on Equity (ROE) | 4.8160% | 4,912 |
| Retained earnings to average equity (ytd only) | 4.8160% | 3,500 |
| Net charge-offs to loans | 0.3354% | 2,779 |
| Credit loss provision to net charge-offs | 327.2727% | 822 |
| Earnings coverage of net charge-offs (x) | 7.2183% | 2,636 |
| Efficiency ratio | 72.3345% | 3,258 |
| Assets per employee ($millions) | 3.4271% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2607% | 573 |
| Loan loss allowance to noncurrent loans | 215.2439% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 1.8772% | 2,822 |
| Noncurrent loans to loans | 1.5149% | 3,512 |
| Net loans and leases to total assets | 50.9325% | 5,196 |
| Net loans and leases to deposits | 60.1240% | 5,193 |
| Net loans and leases to core deposits | 60.6744% | 5,486 |
| Total domestic deposits to total assets | 84.7125% | 3,878 |
| Equity capital to assets | 14.4997% | 971 |
| Core capital (leverage) ratio | 13.0045% | 1,193 |
| Tier 1 risk-based capital ratio | 21.9579% | 1,334 |
| Total risk-based capital ratio | 23.2259% | 1,308 |
| Memoranda: | ||
| Average total assets | $47,084,000 | 6,362 |
| Average earning assets | $35,545,000 | 6,598 |
| Average equity | $5,758,500 | 6,159 |
| Average total loans | $21,861,000 | 6,431 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5542% | 637 |
| Cost of funding earning assets | 0.9154% | 2,293 |
| Net interest margin | 4.6388% | 763 |
| Noninterest income to average assets | 0.5747% | 3,414 |
| Noninterest expense to average assets | 2.8041% | 4,006 |
| Loan and lease loss provision to assets | 0.4891% | 1,299 |
| Net operating income to assets | 0.6480% | 4,122 |
| Return on assets (ROA) | 0.6032% | 4,609 |
| Pretax return on assets | 0.6032% | 5,121 |
| Return on Equity (ROE) | 5.2018% | 4,708 |
| Retained earnings to average equity (ytd only) | 5.2018% | 3,153 |
| Net charge-offs to loans | -0.4560% | 7,119 |
| Credit loss provision to net charge-offs | -240.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1479% | 3,576 |
| Assets per employee ($millions) | 5.3735% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3694% | 558 |
| Loan loss allowance to noncurrent loans | 141.4313% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 1.3415% | 3,757 |
| Noncurrent loans to loans | 2.3823% | 2,517 |
| Net loans and leases to total assets | 33.4016% | 6,754 |
| Net loans and leases to deposits | 36.8978% | 6,845 |
| Net loans and leases to core deposits | 37.1358% | 6,887 |
| Total domestic deposits to total assets | 90.5245% | 648 |
| Equity capital to assets | 9.0475% | 5,653 |
| Core capital (leverage) ratio | 12.7874% | 1,225 |
| Tier 1 risk-based capital ratio | 18.1296% | 2,254 |
| Total risk-based capital ratio | 19.3965% | 2,216 |
| Memoranda: | ||
| Average total assets | $49,070,330 | 6,349 |
| Average earning assets | $35,613,000 | 6,635 |
| Average equity | $5,690,330 | 6,198 |
| Average total loans | $21,930,670 | 6,470 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7443% | 475 |
| Cost of funding earning assets | 0.9649% | 2,196 |
| Net interest margin | 4.7795% | 589 |
| Noninterest income to average assets | 0.6479% | 2,939 |
| Noninterest expense to average assets | 3.2492% | 2,438 |
| Loan and lease loss provision to assets | 0.5802% | 993 |
| Net operating income to assets | 0.9380% | 2,757 |
| Return on assets (ROA) | 0.8703% | 3,276 |
| Pretax return on assets | 0.8703% | 4,153 |
| Return on Equity (ROE) | 6.4074% | 4,087 |
| Retained earnings to average equity (ytd only) | 6.4074% | 2,737 |
| Net charge-offs to loans | -0.5701% | 7,156 |
| Credit loss provision to net charge-offs | -193.5484% | 5,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1542% | 4,142 |
| Assets per employee ($millions) | 3.7994% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1124% | 747 |
| Loan loss allowance to noncurrent loans | 200.5970% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 1.5888% | 3,468 |
| Noncurrent loans to loans | 1.5516% | 3,785 |
| Net loans and leases to total assets | 50.0538% | 5,298 |
| Net loans and leases to deposits | 58.2767% | 5,344 |
| Net loans and leases to core deposits | 58.8903% | 5,637 |
| Total domestic deposits to total assets | 85.8900% | 3,598 |
| Equity capital to assets | 13.5836% | 1,204 |
| Core capital (leverage) ratio | 12.8336% | 1,191 |
| Tier 1 risk-based capital ratio | 22.4465% | 1,217 |
| Total risk-based capital ratio | 23.7164% | 1,191 |
| Memoranda: | ||
| Average total assets | $41,364,500 | 6,630 |
| Average earning assets | $35,652,500 | 6,685 |
| Average equity | $5,618,500 | 6,245 |
| Average total loans | $21,751,500 | 6,527 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9774% | 444 |
| Cost of funding earning assets | 1.1120% | 2,596 |
| Net interest margin | 4.8655% | 548 |
| Noninterest income to average assets | 0.2596% | 5,678 |
| Noninterest expense to average assets | 3.7495% | 1,442 |
| Loan and lease loss provision to assets | 0.8542% | 1,136 |
| Net operating income to assets | -0.1063% | 6,170 |
| Return on assets (ROA) | 0.0614% | 6,053 |
| Pretax return on assets | 0.0637% | 6,028 |
| Return on Equity (ROE) | 0.4816% | 6,069 |
| Retained earnings to average equity (ytd only) | 0.4816% | 5,612 |
| Net charge-offs to loans | 1.9371% | 732 |
| Credit loss provision to net charge-offs | 83.4101% | 4,306 |
| Earnings coverage of net charge-offs (x) | 0.7258% | 5,266 |
| Efficiency ratio | 83.4559% | 1,824 |
| Assets per employee ($millions) | 3.4113% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6515% | 1,131 |
| Loan loss allowance to noncurrent loans | 106.0219% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 2.2425% | 2,689 |
| Noncurrent loans to loans | 2.5009% | 2,625 |
| Net loans and leases to total assets | 52.1082% | 5,298 |
| Net loans and leases to deposits | 60.6184% | 5,425 |
| Net loans and leases to core deposits | 61.2696% | 5,729 |
| Total domestic deposits to total assets | 85.9610% | 3,341 |
| Equity capital to assets | 13.5822% | 1,227 |
| Core capital (leverage) ratio | 12.7200% | 1,257 |
| Tier 1 risk-based capital ratio | 21.4460% | 1,332 |
| Total risk-based capital ratio | 22.7085% | 1,299 |
| Memoranda: | ||
| Average total assets | $42,379,000 | 6,589 |
| Average earning assets | $36,872,000 | 6,646 |
| Average equity | $5,399,000 | 6,328 |
| Average total loans | $22,404,800 | 6,535 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9728% | 484 |
| Cost of funding earning assets | 1.1581% | 2,581 |
| Net interest margin | 4.8147% | 606 |
| Noninterest income to average assets | 0.6270% | 3,014 |
| Noninterest expense to average assets | 3.9556% | 1,062 |
| Loan and lease loss provision to assets | 0.8267% | 1,126 |
| Net operating income to assets | 0.0461% | 6,083 |
| Return on assets (ROA) | 0.2870% | 5,613 |
| Pretax return on assets | 0.2901% | 5,722 |
| Return on Equity (ROE) | 2.2890% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.2890% | 4,979 |
| Net charge-offs to loans | 2.2490% | 541 |
| Credit loss provision to net charge-offs | 69.7368% | 4,494 |
| Earnings coverage of net charge-offs (x) | 0.7368% | 5,059 |
| Efficiency ratio | 81.9121% | 1,993 |
| Assets per employee ($millions) | 3.4602% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4652% | 1,445 |
| Loan loss allowance to noncurrent loans | 85.3968% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 2.4011% | 2,684 |
| Noncurrent loans to loans | 2.8867% | 2,421 |
| Net loans and leases to total assets | 51.2644% | 5,545 |
| Net loans and leases to deposits | 59.8308% | 5,651 |
| Net loans and leases to core deposits | 60.4664% | 5,946 |
| Total domestic deposits to total assets | 85.6823% | 3,397 |
| Equity capital to assets | 13.4748% | 1,382 |
| Core capital (leverage) ratio | 12.6913% | 1,349 |
| Tier 1 risk-based capital ratio | 21.9622% | 1,295 |
| Total risk-based capital ratio | 23.2225% | 1,268 |
| Memoranda: | ||
| Average total assets | $42,739,750 | 6,638 |
| Average earning assets | $37,301,250 | 6,689 |
| Average equity | $5,358,750 | 6,384 |
| Average total loans | $22,528,000 | 6,596 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9914% | 485 |
| Cost of funding earning assets | 1.1813% | 2,701 |
| Net interest margin | 4.8100% | 592 |
| Noninterest income to average assets | 0.2967% | 5,514 |
| Noninterest expense to average assets | 3.7408% | 1,464 |
| Loan and lease loss provision to assets | 0.9503% | 927 |
| Net operating income to assets | -0.1854% | 6,457 |
| Return on assets (ROA) | -0.1252% | 6,429 |
| Pretax return on assets | -0.1252% | 6,388 |
| Return on Equity (ROE) | -1.0227% | 6,405 |
| Retained earnings to average equity (ytd only) | -1.0227% | 6,055 |
| Net charge-offs to loans | 2.3459% | 536 |
| Credit loss provision to net charge-offs | 76.7790% | 3,863 |
| Earnings coverage of net charge-offs (x) | 0.6180% | 4,835 |
| Efficiency ratio | 83.0247% | 1,951 |
| Assets per employee ($millions) | 3.5486% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6599% | 1,226 |
| Loan loss allowance to noncurrent loans | 123.6402% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.8388% | 3,455 |
| Noncurrent loans to loans | 2.1513% | 3,285 |
| Net loans and leases to total assets | 50.7902% | 5,720 |
| Net loans and leases to deposits | 58.7542% | 5,852 |
| Net loans and leases to core deposits | 58.7542% | 6,210 |
| Total domestic deposits to total assets | 86.4453% | 3,077 |
| Equity capital to assets | 12.6694% | 1,698 |
| Core capital (leverage) ratio | 12.0075% | 1,590 |
| Tier 1 risk-based capital ratio | 20.5922% | 1,497 |
| Total risk-based capital ratio | 21.8561% | 1,469 |
| Memoranda: | ||
| Average total assets | $43,145,670 | 6,673 |
| Average earning assets | $37,754,330 | 6,725 |
| Average equity | $5,280,000 | 6,439 |
| Average total loans | $22,762,670 | 6,649 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8752% | 630 |
| Cost of funding earning assets | 1.2188% | 2,693 |
| Net interest margin | 4.6564% | 772 |
| Noninterest income to average assets | 0.5895% | 3,243 |
| Noninterest expense to average assets | 4.4857% | 599 |
| Loan and lease loss provision to assets | 0.1842% | 3,771 |
| Net operating income to assets | 0.0368% | 6,265 |
| Return on assets (ROA) | 0.0184% | 6,350 |
| Pretax return on assets | 0.0184% | 6,329 |
| Return on Equity (ROE) | 0.1532% | 6,353 |
| Retained earnings to average equity (ytd only) | 0.1532% | 5,744 |
| Net charge-offs to loans | 4.2892% | 200 |
| Credit loss provision to net charge-offs | 8.0972% | 4,403 |
| Earnings coverage of net charge-offs (x) | 0.0972% | 4,524 |
| Efficiency ratio | 95.3033% | 966 |
| Assets per employee ($millions) | 4.3282% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8862% | 2,737 |
| Loan loss allowance to noncurrent loans | 62.1898% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.3566% | 2,889 |
| Noncurrent loans to loans | 3.0330% | 2,479 |
| Net loans and leases to total assets | 51.1968% | 5,688 |
| Net loans and leases to deposits | 58.7305% | 5,856 |
| Net loans and leases to core deposits | 58.7305% | 6,196 |
| Total domestic deposits to total assets | 87.1725% | 2,848 |
| Equity capital to assets | 12.0697% | 1,878 |
| Core capital (leverage) ratio | 12.0258% | 1,553 |
| Tier 1 risk-based capital ratio | 19.7328% | 1,644 |
| Total risk-based capital ratio | 20.9861% | 1,617 |
| Memoranda: | ||
| Average total assets | $43,427,000 | 6,709 |
| Average earning assets | $38,398,500 | 6,747 |
| Average equity | $5,222,500 | 6,476 |
| Average total loans | $23,034,500 | 6,691 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1872% | 581 |
| Cost of funding earning assets | 1.5398% | 2,408 |
| Net interest margin | 4.6475% | 911 |
| Noninterest income to average assets | -0.7011% | 7,591 |
| Noninterest expense to average assets | 3.6892% | 1,726 |
| Loan and lease loss provision to assets | 0.6541% | 2,521 |
| Net operating income to assets | -0.9744% | 6,665 |
| Return on assets (ROA) | -0.9744% | 6,707 |
| Pretax return on assets | -0.9744% | 6,625 |
| Return on Equity (ROE) | -7.7087% | 6,604 |
| Retained earnings to average equity (ytd only) | -7.7087% | 6,512 |
| Net charge-offs to loans | 1.4426% | 1,530 |
| Credit loss provision to net charge-offs | 82.0225% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.4017% | 6,406 |
| Efficiency ratio | 109.5080% | 544 |
| Assets per employee ($millions) | 3.9611% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7806% | 1,078 |
| Loan loss allowance to noncurrent loans | 55.6218% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 3.7960% | 1,803 |
| Noncurrent loans to loans | 4.9991% | 1,344 |
| Net loans and leases to total assets | 52.3983% | 5,863 |
| Net loans and leases to deposits | 60.0089% | 6,058 |
| Net loans and leases to core deposits | 60.0089% | 6,391 |
| Total domestic deposits to total assets | 87.3175% | 2,654 |
| Equity capital to assets | 11.9825% | 1,928 |
| Core capital (leverage) ratio | 11.4925% | 1,838 |
| Tier 1 risk-based capital ratio | 19.1833% | 1,675 |
| Total risk-based capital ratio | 20.4459% | 1,643 |
| Memoranda: | ||
| Average total assets | $44,644,400 | 6,709 |
| Average earning assets | $39,096,600 | 6,757 |
| Average equity | $5,643,000 | 6,470 |
| Average total loans | $24,677,600 | 6,692 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2237% | 589 |
| Cost of funding earning assets | 1.5772% | 2,527 |
| Net interest margin | 4.6465% | 950 |
| Noninterest income to average assets | 0.4631% | 4,468 |
| Noninterest expense to average assets | 3.6604% | 1,651 |
| Loan and lease loss provision to assets | 0.5195% | 2,855 |
| Net operating income to assets | 0.3325% | 5,037 |
| Return on assets (ROA) | 0.3325% | 5,208 |
| Pretax return on assets | 0.3325% | 5,419 |
| Return on Equity (ROE) | 2.5977% | 5,390 |
| Retained earnings to average equity (ytd only) | 2.5977% | 4,601 |
| Net charge-offs to loans | 0.9556% | 2,084 |
| Credit loss provision to net charge-offs | 97.7654% | 4,446 |
| Earnings coverage of net charge-offs (x) | 1.6034% | 4,515 |
| Efficiency ratio | 81.1184% | 2,186 |
| Assets per employee ($millions) | 4.0682% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9487% | 859 |
| Loan loss allowance to noncurrent loans | 73.3539% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 4.5050% | 1,505 |
| Noncurrent loans to loans | 4.0199% | 1,869 |
| Net loans and leases to total assets | 52.4402% | 6,051 |
| Net loans and leases to deposits | 61.2891% | 6,185 |
| Net loans and leases to core deposits | 61.2891% | 6,517 |
| Total domestic deposits to total assets | 85.5620% | 3,315 |
| Equity capital to assets | 12.9765% | 1,586 |
| Core capital (leverage) ratio | 12.6780% | 1,346 |
| Tier 1 risk-based capital ratio | 20.4712% | 1,452 |
| Total risk-based capital ratio | 21.7374% | 1,430 |
| Memoranda: | ||
| Average total assets | $44,912,500 | 6,783 |
| Average earning assets | $39,139,500 | 6,829 |
| Average equity | $5,748,500 | 6,527 |
| Average total loans | $24,976,000 | 6,757 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2277% | 590 |
| Cost of funding earning assets | 1.5976% | 2,671 |
| Net interest margin | 4.6301% | 932 |
| Noninterest income to average assets | 0.5649% | 3,586 |
| Noninterest expense to average assets | 3.7183% | 1,519 |
| Loan and lease loss provision to assets | 0.5337% | 2,650 |
| Net operating income to assets | 0.3603% | 4,931 |
| Return on assets (ROA) | 0.3603% | 5,087 |
| Pretax return on assets | 0.3603% | 5,340 |
| Return on Equity (ROE) | 2.8277% | 5,319 |
| Retained earnings to average equity (ytd only) | 2.8277% | 4,342 |
| Net charge-offs to loans | 0.9350% | 1,967 |
| Credit loss provision to net charge-offs | 101.6949% | 4,014 |
| Earnings coverage of net charge-offs (x) | 1.7034% | 4,231 |
| Efficiency ratio | 80.6172% | 2,353 |
| Assets per employee ($millions) | 3.7263% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9015% | 913 |
| Loan loss allowance to noncurrent loans | 214.6269% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 3.1532% | 2,249 |
| Noncurrent loans to loans | 1.3519% | 4,686 |
| Net loans and leases to total assets | 53.8085% | 6,012 |
| Net loans and leases to deposits | 62.7046% | 6,168 |
| Net loans and leases to core deposits | 62.7046% | 6,493 |
| Total domestic deposits to total assets | 85.8127% | 3,196 |
| Equity capital to assets | 12.9305% | 1,599 |
| Core capital (leverage) ratio | 12.5729% | 1,378 |
| Tier 1 risk-based capital ratio | 20.0877% | 1,503 |
| Total risk-based capital ratio | 21.3540% | 1,468 |
| Memoranda: | ||
| Average total assets | $44,966,670 | 6,832 |
| Average earning assets | $39,308,330 | 6,875 |
| Average equity | $5,729,000 | 6,552 |
| Average total loans | $25,241,330 | 6,788 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2017% | 638 |
| Cost of funding earning assets | 1.6267% | 2,794 |
| Net interest margin | 4.5750% | 997 |
| Noninterest income to average assets | 0.5500% | 3,651 |
| Noninterest expense to average assets | 3.7523% | 1,412 |
| Loan and lease loss provision to assets | 0.5322% | 2,375 |
| Net operating income to assets | 0.2573% | 5,464 |
| Return on assets (ROA) | 0.2573% | 5,590 |
| Pretax return on assets | 0.2573% | 5,726 |
| Return on Equity (ROE) | 2.0342% | 5,748 |
| Retained earnings to average equity (ytd only) | 2.0342% | 4,910 |
| Net charge-offs to loans | 0.3455% | 3,027 |
| Credit loss provision to net charge-offs | 272.7273% | 1,451 |
| Earnings coverage of net charge-offs (x) | 4.0455% | 2,717 |
| Efficiency ratio | 82.6172% | 2,190 |
| Assets per employee ($millions) | 3.7752% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0211% | 807 |
| Loan loss allowance to noncurrent loans | 170.8145% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 3.2979% | 2,175 |
| Noncurrent loans to loans | 1.7686% | 4,098 |
| Net loans and leases to total assets | 53.4987% | 6,089 |
| Net loans and leases to deposits | 62.0148% | 6,274 |
| Net loans and leases to core deposits | 62.0148% | 6,601 |
| Total domestic deposits to total assets | 86.2677% | 3,001 |
| Equity capital to assets | 12.6330% | 1,689 |
| Core capital (leverage) ratio | 12.4725% | 1,417 |
| Tier 1 risk-based capital ratio | 20.0814% | 1,507 |
| Total risk-based capital ratio | 21.3484% | 1,474 |
| Memoranda: | ||
| Average total assets | $45,092,000 | 6,906 |
| Average earning assets | $39,344,000 | 6,954 |
| Average equity | $5,702,500 | 6,618 |
| Average total loans | $25,472,000 | 6,849 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6587% | 509 |
| Cost of funding earning assets | 2.0138% | 2,898 |
| Net interest margin | 4.6449% | 909 |
| Noninterest income to average assets | 0.4784% | 4,586 |
| Noninterest expense to average assets | 3.4058% | 2,662 |
| Loan and lease loss provision to assets | 1.6756% | 1,368 |
| Net operating income to assets | -0.4107% | 6,091 |
| Return on assets (ROA) | -0.4107% | 6,088 |
| Pretax return on assets | -0.4107% | 5,927 |
| Return on Equity (ROE) | -3.2070% | 6,017 |
| Retained earnings to average equity (ytd only) | -3.2070% | 5,739 |
| Net charge-offs to loans | 3.2307% | 630 |
| Credit loss provision to net charge-offs | 85.7942% | 6,134 |
| Earnings coverage of net charge-offs (x) | 0.6477% | 5,444 |
| Efficiency ratio | 72.9186% | 4,111 |
| Assets per employee ($millions) | 3.7402% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7627% | 961 |
| Loan loss allowance to noncurrent loans | 153.8627% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 3.1126% | 2,226 |
| Noncurrent loans to loans | 1.7956% | 3,944 |
| Net loans and leases to total assets | 56.2274% | 5,917 |
| Net loans and leases to deposits | 65.1218% | 6,149 |
| Net loans and leases to core deposits | 85.5690% | 5,562 |
| Total domestic deposits to total assets | 86.3420% | 2,844 |
| Equity capital to assets | 12.6599% | 1,668 |
| Core capital (leverage) ratio | 12.5790% | 1,416 |
| Tier 1 risk-based capital ratio | 19.6506% | 1,536 |
| Total risk-based capital ratio | 20.9142% | 1,493 |
| Memoranda: | ||
| Average total assets | $45,774,200 | 6,882 |
| Average earning assets | $41,314,200 | 6,893 |
| Average equity | $5,862,200 | 6,649 |
| Average total loans | $27,671,600 | 6,762 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6425% | 569 |
| Cost of funding earning assets | 2.0722% | 3,022 |
| Net interest margin | 4.5703% | 1,039 |
| Noninterest income to average assets | 0.4551% | 4,868 |
| Noninterest expense to average assets | 3.2813% | 2,992 |
| Loan and lease loss provision to assets | 1.5276% | 1,247 |
| Net operating income to assets | -0.1855% | 6,037 |
| Return on assets (ROA) | -0.1855% | 6,050 |
| Pretax return on assets | -0.1855% | 5,955 |
| Return on Equity (ROE) | -1.4445% | 6,009 |
| Retained earnings to average equity (ytd only) | -1.4445% | 5,594 |
| Net charge-offs to loans | 3.7245% | 391 |
| Credit loss provision to net charge-offs | 67.1338% | 6,039 |
| Earnings coverage of net charge-offs (x) | 0.5898% | 5,444 |
| Efficiency ratio | 70.9718% | 4,428 |
| Assets per employee ($millions) | 3.6724% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1845% | 1,447 |
| Loan loss allowance to noncurrent loans | 63.4886% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 3.0906% | 2,223 |
| Noncurrent loans to loans | 3.4408% | 2,173 |
| Net loans and leases to total assets | 59.5407% | 5,656 |
| Net loans and leases to deposits | 69.5681% | 5,968 |
| Net loans and leases to core deposits | 92.7632% | 5,156 |
| Total domestic deposits to total assets | 85.5862% | 2,925 |
| Equity capital to assets | 13.2179% | 1,614 |
| Core capital (leverage) ratio | 12.7496% | 1,472 |
| Tier 1 risk-based capital ratio | 20.1002% | 1,540 |
| Total risk-based capital ratio | 21.3614% | 1,487 |
| Memoranda: | ||
| Average total assets | $45,997,250 | 6,920 |
| Average earning assets | $41,951,250 | 6,911 |
| Average equity | $5,907,250 | 6,698 |
| Average total loans | $28,101,250 | 6,790 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5365% | 760 |
| Cost of funding earning assets | 2.1211% | 3,183 |
| Net interest margin | 4.4154% | 1,377 |
| Noninterest income to average assets | 0.3816% | 5,451 |
| Noninterest expense to average assets | 3.1046% | 3,683 |
| Loan and lease loss provision to assets | 1.1449% | 1,500 |
| Net operating income to assets | 0.1758% | 5,340 |
| Return on assets (ROA) | 0.1758% | 5,437 |
| Pretax return on assets | 0.1758% | 5,525 |
| Return on Equity (ROE) | 1.3817% | 5,506 |
| Retained earnings to average equity (ytd only) | 1.3817% | 4,570 |
| Net charge-offs to loans | 2.8324% | 580 |
| Credit loss provision to net charge-offs | 66.0891% | 5,488 |
| Earnings coverage of net charge-offs (x) | 0.7624% | 4,972 |
| Efficiency ratio | 70.1550% | 4,749 |
| Assets per employee ($millions) | 3.8237% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5438% | 864 |
| Loan loss allowance to noncurrent loans | 56.9243% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 3.4456% | 1,807 |
| Noncurrent loans to loans | 4.4688% | 1,445 |
| Net loans and leases to total assets | 59.0315% | 5,840 |
| Net loans and leases to deposits | 68.6069% | 6,129 |
| Net loans and leases to core deposits | 89.3898% | 5,586 |
| Total domestic deposits to total assets | 86.0431% | 2,771 |
| Equity capital to assets | 12.9304% | 1,720 |
| Core capital (leverage) ratio | 12.5722% | 1,588 |
| Tier 1 risk-based capital ratio | 20.0488% | 1,572 |
| Total risk-based capital ratio | 21.3115% | 1,530 |
| Memoranda: | ||
| Average total assets | $46,640,000 | 6,955 |
| Average earning assets | $42,713,670 | 6,938 |
| Average equity | $5,934,670 | 6,746 |
| Average total loans | $28,526,670 | 6,818 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5518% | 780 |
| Cost of funding earning assets | 2.2372% | 2,976 |
| Net interest margin | 4.3146% | 1,565 |
| Noninterest income to average assets | 0.2552% | 6,418 |
| Noninterest expense to average assets | 2.8755% | 4,247 |
| Loan and lease loss provision to assets | 0.8082% | 1,596 |
| Net operating income to assets | 0.4764% | 4,535 |
| Return on assets (ROA) | 0.4764% | 4,724 |
| Pretax return on assets | 0.4764% | 5,149 |
| Return on Equity (ROE) | 3.7739% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.7739% | 3,795 |
| Net charge-offs to loans | 2.5888% | 527 |
| Credit loss provision to net charge-offs | 50.8021% | 4,665 |
| Earnings coverage of net charge-offs (x) | 0.8075% | 4,384 |
| Efficiency ratio | 69.1207% | 4,752 |
| Assets per employee ($millions) | 3.9563% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6891% | 635 |
| Loan loss allowance to noncurrent loans | 73.6533% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 2.9700% | 1,901 |
| Noncurrent loans to loans | 3.6510% | 1,719 |
| Net loans and leases to total assets | 57.3207% | 6,052 |
| Net loans and leases to deposits | 66.1634% | 6,364 |
| Net loans and leases to core deposits | 86.2645% | 5,881 |
| Total domestic deposits to total assets | 86.6351% | 2,391 |
| Equity capital to assets | 12.5350% | 1,955 |
| Core capital (leverage) ratio | 12.3829% | 1,730 |
| Tier 1 risk-based capital ratio | 20.0331% | 1,615 |
| Total risk-based capital ratio | 21.2984% | 1,569 |
| Memoranda: | ||
| Average total assets | $47,018,000 | 6,991 |
| Average earning assets | $42,553,500 | 6,996 |
| Average equity | $5,935,500 | 6,795 |
| Average total loans | $28,893,500 | 6,823 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5763% | 354 |
| Cost of funding earning assets | 2.6529% | 3,404 |
| Net interest margin | 4.9234% | 610 |
| Noninterest income to average assets | 0.7310% | 2,897 |
| Noninterest expense to average assets | 3.1237% | 3,603 |
| Loan and lease loss provision to assets | 3.5607% | 221 |
| Net operating income to assets | -1.3297% | 7,403 |
| Return on assets (ROA) | -1.3297% | 7,344 |
| Pretax return on assets | -1.3297% | 7,180 |
| Return on Equity (ROE) | -9.4718% | 7,241 |
| Retained earnings to average equity (ytd only) | -19.9461% | 7,679 |
| Net charge-offs to loans | 4.8814% | 109 |
| Credit loss provision to net charge-offs | 111.3666% | 4,842 |
| Earnings coverage of net charge-offs (x) | 0.6978% | 5,807 |
| Efficiency ratio | 58.3366% | 6,636 |
| Assets per employee ($millions) | 4.2328% | 3,053 |
| Cash dividends to net income (ytd only)* | -110.5845% | 8,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8301% | 506 |
| Loan loss allowance to noncurrent loans | 76.7273% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.5193% | 1,921 |
| Noncurrent loans to loans | 3.6886% | 1,365 |
| Net loans and leases to total assets | 62.2366% | 5,586 |
| Net loans and leases to deposits | 71.9897% | 6,063 |
| Net loans and leases to core deposits | 94.9320% | 5,357 |
| Total domestic deposits to total assets | 86.4522% | 2,192 |
| Equity capital to assets | 12.7145% | 1,914 |
| Core capital (leverage) ratio | 12.4637% | 1,768 |
| Tier 1 risk-based capital ratio | 19.4465% | 1,715 |
| Total risk-based capital ratio | 20.7162% | 1,674 |
| Memoranda: | ||
| Average total assets | $47,603,600 | 6,879 |
| Average earning assets | $44,705,000 | 6,830 |
| Average equity | $6,683,000 | 6,573 |
| Average total loans | $31,179,600 | 6,644 |