Home > The State Bank of Blue Rapids > Performance and Condition Ratios
The State Bank of Blue Rapids, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1939% | 5,250 |
| Cost of funding earning assets | 0.3216% | 3,866 |
| Net interest margin | 2.8722% | 5,133 |
| Noninterest income to average assets | 0.3561% | 4,011 |
| Noninterest expense to average assets | 2.5450% | 3,600 |
| Loan and lease loss provision to assets | 0.1086% | 1,876 |
| Net operating income to assets | 0.3561% | 5,079 |
| Return on assets (ROA) | 0.3561% | 5,103 |
| Pretax return on assets | 0.4951% | 5,011 |
| Return on Equity (ROE) | 3.2520% | 5,052 |
| Retained earnings to average equity (ytd only) | 1.3484% | 4,715 |
| Net charge-offs to loans | 0.2911% | 699 |
| Credit loss provision to net charge-offs | 69.4444% | 2,384 |
| Earnings coverage of net charge-offs (x) | 3.8611% | 2,996 |
| Efficiency ratio | 80.8276% | 1,121 |
| Assets per employee ($millions) | 5.6964% | 1,706 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 4,217 |
| Loan loss allowance to noncurrent loans | 111.4679% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 2,777 |
| Noncurrent loans to loans | 0.8877% | 2,198 |
| Net loans and leases to total assets | 53.3563% | 4,450 |
| Net loans and leases to deposits | 60.4610% | 4,593 |
| Net loans and leases to core deposits | 61.2715% | 4,753 |
| Total domestic deposits to total assets | 88.2491% | 1,333 |
| Equity capital to assets | 11.1365% | 2,668 |
| Core capital (leverage) ratio | 11.1889% | 2,233 |
| Tier 1 risk-based capital ratio | 20.9532% | 1,192 |
| Total risk-based capital ratio | 21.9577% | 1,214 |
| Memoranda: | ||
| Average total assets | $46,051,670 | 5,324 |
| Average earning assets | $44,773,330 | 5,275 |
| Average equity | $5,043,000 | 5,357 |
| Average total loans | $24,735,670 | 5,255 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1722% | 5,277 |
| Cost of funding earning assets | 0.3288% | 3,757 |
| Net interest margin | 2.8434% | 5,179 |
| Noninterest income to average assets | 0.3370% | 4,149 |
| Noninterest expense to average assets | 2.5750% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5271% | 4,485 |
| Return on assets (ROA) | 0.5271% | 4,525 |
| Pretax return on assets | 0.5271% | 4,907 |
| Return on Equity (ROE) | 4.8538% | 4,456 |
| Retained earnings to average equity (ytd only) | 2.9441% | 3,939 |
| Net charge-offs to loans | 0.0322% | 2,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,209 |
| Efficiency ratio | 83.0084% | 1,060 |
| Assets per employee ($millions) | 5.7125% | 1,716 |
| Cash dividends to net income (ytd only)* | 39.3443% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 4,107 |
| Loan loss allowance to noncurrent loans | 133.3333% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 3,400 |
| Noncurrent loans to loans | 0.7714% | 2,539 |
| Net loans and leases to total assets | 53.0613% | 4,417 |
| Net loans and leases to deposits | 59.9911% | 4,565 |
| Net loans and leases to core deposits | 60.7881% | 4,733 |
| Total domestic deposits to total assets | 88.4486% | 1,457 |
| Equity capital to assets | 11.0678% | 2,561 |
| Core capital (leverage) ratio | 10.9155% | 2,460 |
| Tier 1 risk-based capital ratio | 20.9986% | 1,215 |
| Total risk-based capital ratio | 22.0419% | 1,226 |
| Memoranda: | ||
| Average total assets | $46,292,000 | 5,381 |
| Average earning assets | $45,016,000 | 5,320 |
| Average equity | $5,027,000 | 5,414 |
| Average total loans | $24,824,500 | 5,306 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1554% | 5,354 |
| Cost of funding earning assets | 0.3251% | 3,799 |
| Net interest margin | 2.8303% | 5,242 |
| Noninterest income to average assets | 0.3272% | 4,399 |
| Noninterest expense to average assets | 2.5504% | 3,840 |
| Loan and lease loss provision to assets | 0.0108% | 4,156 |
| Net operating income to assets | 0.3900% | 4,978 |
| Return on assets (ROA) | 0.3900% | 5,060 |
| Pretax return on assets | 0.5201% | 4,986 |
| Return on Equity (ROE) | 3.5631% | 4,994 |
| Retained earnings to average equity (ytd only) | 1.1877% | 4,814 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7707% | 1,117 |
| Assets per employee ($millions) | 5.8605% | 1,573 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 4,253 |
| Loan loss allowance to noncurrent loans | 128.9340% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4522% | 3,453 |
| Noncurrent loans to loans | 0.7834% | 2,558 |
| Net loans and leases to total assets | 53.0970% | 4,515 |
| Net loans and leases to deposits | 59.6549% | 4,698 |
| Net loans and leases to core deposits | 60.4223% | 4,841 |
| Total domestic deposits to total assets | 89.0069% | 1,115 |
| Equity capital to assets | 10.6561% | 2,973 |
| Core capital (leverage) ratio | 10.7189% | 2,631 |
| Tier 1 risk-based capital ratio | 19.8439% | 1,409 |
| Total risk-based capital ratio | 20.8450% | 1,414 |
| Memoranda: | ||
| Average total assets | $46,149,400 | 5,417 |
| Average earning assets | $44,907,400 | 5,357 |
| Average equity | $5,051,800 | 5,459 |
| Average total loans | $24,452,600 | 5,377 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1587% | 5,423 |
| Cost of funding earning assets | 0.3218% | 3,848 |
| Net interest margin | 2.8369% | 5,291 |
| Noninterest income to average assets | 0.3336% | 4,398 |
| Noninterest expense to average assets | 2.4800% | 4,044 |
| Loan and lease loss provision to assets | 0.0145% | 3,961 |
| Net operating income to assets | 0.4583% | 4,843 |
| Return on assets (ROA) | 0.4583% | 4,921 |
| Pretax return on assets | 0.6004% | 4,877 |
| Return on Equity (ROE) | 4.1585% | 4,846 |
| Retained earnings to average equity (ytd only) | 1.6317% | 4,859 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1312% | 1,424 |
| Assets per employee ($millions) | 5.7544% | 1,615 |
| Cash dividends to net income (ytd only)* | 60.7614% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 4,116 |
| Loan loss allowance to noncurrent loans | 43.5678% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.2664% | 1,531 |
| Noncurrent loans to loans | 2.4120% | 745 |
| Net loans and leases to total assets | 51.9539% | 4,660 |
| Net loans and leases to deposits | 58.9437% | 4,825 |
| Net loans and leases to core deposits | 59.7208% | 4,945 |
| Total domestic deposits to total assets | 88.1416% | 1,333 |
| Equity capital to assets | 11.0764% | 2,936 |
| Core capital (leverage) ratio | 10.8887% | 2,581 |
| Tier 1 risk-based capital ratio | 20.5592% | 1,346 |
| Total risk-based capital ratio | 21.5959% | 1,347 |
| Memoranda: | ||
| Average total assets | $45,965,750 | 5,476 |
| Average earning assets | $44,742,500 | 5,419 |
| Average equity | $5,065,750 | 5,518 |
| Average total loans | $24,278,750 | 5,431 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1567% | 5,495 |
| Cost of funding earning assets | 0.3175% | 3,931 |
| Net interest margin | 2.8392% | 5,362 |
| Noninterest income to average assets | 0.3221% | 4,479 |
| Noninterest expense to average assets | 2.4857% | 4,068 |
| Loan and lease loss provision to assets | 0.0218% | 3,693 |
| Net operating income to assets | 0.5006% | 4,675 |
| Return on assets (ROA) | 0.5006% | 4,784 |
| Pretax return on assets | 0.5790% | 4,946 |
| Return on Equity (ROE) | 4.5502% | 4,696 |
| Retained earnings to average equity (ytd only) | 2.6510% | 4,209 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5360% | 1,442 |
| Assets per employee ($millions) | 5.7756% | 1,562 |
| Cash dividends to net income (ytd only)* | 41.7391% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 4,191 |
| Loan loss allowance to noncurrent loans | 138.0435% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 3,901 |
| Noncurrent loans to loans | 0.7645% | 2,833 |
| Net loans and leases to total assets | 51.5377% | 4,715 |
| Net loans and leases to deposits | 58.3938% | 4,879 |
| Net loans and leases to core deposits | 59.1598% | 5,014 |
| Total domestic deposits to total assets | 88.2588% | 1,294 |
| Equity capital to assets | 11.1005% | 2,943 |
| Core capital (leverage) ratio | 11.0534% | 2,383 |
| Tier 1 risk-based capital ratio | 20.7986% | 1,295 |
| Total risk-based capital ratio | 21.8464% | 1,311 |
| Memoranda: | ||
| Average total assets | $45,942,670 | 5,541 |
| Average earning assets | $44,730,330 | 5,488 |
| Average equity | $5,054,670 | 5,576 |
| Average total loans | $24,314,670 | 5,488 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1817% | 5,511 |
| Cost of funding earning assets | 0.3047% | 4,108 |
| Net interest margin | 2.8770% | 5,359 |
| Noninterest income to average assets | 0.3493% | 4,234 |
| Noninterest expense to average assets | 2.5059% | 4,053 |
| Loan and lease loss provision to assets | 0.0437% | 3,049 |
| Net operating income to assets | 0.6025% | 4,169 |
| Return on assets (ROA) | 0.6025% | 4,286 |
| Pretax return on assets | 0.6025% | 4,815 |
| Return on Equity (ROE) | 5.5007% | 4,230 |
| Retained earnings to average equity (ytd only) | 3.5874% | 3,703 |
| Net charge-offs to loans | 0.0164% | 2,608 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 667 |
| Efficiency ratio | 79.5014% | 1,668 |
| Assets per employee ($millions) | 5.6280% | 1,720 |
| Cash dividends to net income (ytd only)* | 34.7826% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 4,389 |
| Loan loss allowance to noncurrent loans | 255.5556% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 4,682 |
| Noncurrent loans to loans | 0.4072% | 3,976 |
| Net loans and leases to total assets | 53.4404% | 4,499 |
| Net loans and leases to deposits | 60.5354% | 4,676 |
| Net loans and leases to core deposits | 61.3488% | 4,853 |
| Total domestic deposits to total assets | 88.2796% | 1,485 |
| Equity capital to assets | 11.2407% | 2,692 |
| Core capital (leverage) ratio | 10.9571% | 2,444 |
| Tier 1 risk-based capital ratio | 20.6686% | 1,369 |
| Total risk-based capital ratio | 21.7103% | 1,384 |
| Memoranda: | ||
| Average total assets | $45,811,500 | 5,595 |
| Average earning assets | $44,630,000 | 5,535 |
| Average equity | $5,017,500 | 5,620 |
| Average total loans | $24,438,500 | 5,536 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0332% | 5,702 |
| Cost of funding earning assets | 0.3261% | 3,955 |
| Net interest margin | 2.7071% | 5,638 |
| Noninterest income to average assets | 0.3383% | 4,489 |
| Noninterest expense to average assets | 2.4266% | 4,449 |
| Loan and lease loss provision to assets | 0.0209% | 3,973 |
| Net operating income to assets | 0.5263% | 4,594 |
| Return on assets (ROA) | 0.5242% | 4,683 |
| Pretax return on assets | 0.5242% | 5,056 |
| Return on Equity (ROE) | 5.1114% | 4,456 |
| Retained earnings to average equity (ytd only) | 3.6452% | 3,456 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6011% | 1,463 |
| Assets per employee ($millions) | 5.8249% | 1,513 |
| Cash dividends to net income (ytd only)* | 28.6853% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 4,524 |
| Loan loss allowance to noncurrent loans | 79.2994% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6738% | 3,018 |
| Noncurrent loans to loans | 1.2783% | 1,842 |
| Net loans and leases to total assets | 52.1771% | 4,679 |
| Net loans and leases to deposits | 58.6487% | 4,875 |
| Net loans and leases to core deposits | 59.4039% | 5,020 |
| Total domestic deposits to total assets | 88.9654% | 1,132 |
| Equity capital to assets | 10.6740% | 3,160 |
| Core capital (leverage) ratio | 10.9333% | 2,466 |
| Tier 1 risk-based capital ratio | 19.9279% | 1,495 |
| Total risk-based capital ratio | 20.9253% | 1,517 |
| Memoranda: | ||
| Average total assets | $47,885,000 | 5,590 |
| Average earning assets | $46,618,200 | 5,506 |
| Average equity | $4,910,600 | 5,677 |
| Average total loans | $23,848,400 | 5,592 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0234% | 5,791 |
| Cost of funding earning assets | 0.3296% | 3,994 |
| Net interest margin | 2.6938% | 5,731 |
| Noninterest income to average assets | 0.3319% | 4,568 |
| Noninterest expense to average assets | 2.4256% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5283% | 4,689 |
| Return on assets (ROA) | 0.5255% | 4,786 |
| Pretax return on assets | 0.5255% | 5,161 |
| Return on Equity (ROE) | 5.1755% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.5218% | 3,252 |
| Net charge-offs to loans | -0.0113% | 5,032 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1161% | 1,379 |
| Assets per employee ($millions) | 5.7361% | 1,560 |
| Cash dividends to net income (ytd only)* | 12.6317% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 4,780 |
| Loan loss allowance to noncurrent loans | 256.3830% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 4,934 |
| Noncurrent loans to loans | 0.3881% | 4,225 |
| Net loans and leases to total assets | 52.2565% | 4,731 |
| Net loans and leases to deposits | 59.1456% | 4,915 |
| Net loans and leases to core deposits | 60.2997% | 5,045 |
| Total domestic deposits to total assets | 88.3523% | 1,377 |
| Equity capital to assets | 10.8762% | 3,159 |
| Core capital (leverage) ratio | 10.6492% | 2,878 |
| Tier 1 risk-based capital ratio | 20.0858% | 1,520 |
| Total risk-based capital ratio | 21.0614% | 1,558 |
| Memoranda: | ||
| Average total assets | $48,206,500 | 5,652 |
| Average earning assets | $46,921,500 | 5,571 |
| Average equity | $4,894,750 | 5,750 |
| Average total loans | $23,669,750 | 5,666 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9774% | 5,881 |
| Cost of funding earning assets | 0.3313% | 4,034 |
| Net interest margin | 2.6461% | 5,828 |
| Noninterest income to average assets | 0.2899% | 4,890 |
| Noninterest expense to average assets | 2.3765% | 4,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4900% | 4,817 |
| Return on assets (ROA) | 0.4900% | 4,916 |
| Pretax return on assets | 0.4900% | 5,257 |
| Return on Equity (ROE) | 4.9356% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.9356% | 2,891 |
| Net charge-offs to loans | -0.0085% | 4,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9060% | 1,388 |
| Assets per employee ($millions) | 6.0048% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 4,836 |
| Loan loss allowance to noncurrent loans | 452.8302% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 5,419 |
| Noncurrent loans to loans | 0.2224% | 4,893 |
| Net loans and leases to total assets | 49.1132% | 5,005 |
| Net loans and leases to deposits | 55.0544% | 5,188 |
| Net loans and leases to core deposits | 56.0697% | 5,306 |
| Total domestic deposits to total assets | 89.2085% | 1,046 |
| Equity capital to assets | 10.2065% | 3,801 |
| Core capital (leverage) ratio | 9.8590% | 3,792 |
| Tier 1 risk-based capital ratio | 19.4010% | 1,694 |
| Total risk-based capital ratio | 20.3480% | 1,742 |
| Memoranda: | ||
| Average total assets | $48,979,000 | 5,694 |
| Average earning assets | $47,692,670 | 5,614 |
| Average equity | $4,862,670 | 5,812 |
| Average total loans | $23,486,000 | 5,728 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9788% | 5,918 |
| Cost of funding earning assets | 0.3402% | 3,982 |
| Net interest margin | 2.6386% | 5,879 |
| Noninterest income to average assets | 0.3317% | 4,536 |
| Noninterest expense to average assets | 2.4025% | 4,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5015% | 4,675 |
| Return on assets (ROA) | 0.5015% | 4,795 |
| Pretax return on assets | 0.5015% | 5,175 |
| Return on Equity (ROE) | 5.1213% | 4,468 |
| Retained earnings to average equity (ytd only) | 5.1213% | 2,988 |
| Net charge-offs to loans | -0.0172% | 4,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7298% | 1,534 |
| Assets per employee ($millions) | 6.2638% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 4,703 |
| Loan loss allowance to noncurrent loans | 380.9524% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 5,372 |
| Noncurrent loans to loans | 0.2786% | 4,783 |
| Net loans and leases to total assets | 44.6518% | 5,293 |
| Net loans and leases to deposits | 49.7709% | 5,473 |
| Net loans and leases to core deposits | 50.3567% | 5,576 |
| Total domestic deposits to total assets | 89.7146% | 894 |
| Equity capital to assets | 9.7765% | 4,410 |
| Core capital (leverage) ratio | 9.8312% | 3,846 |
| Tier 1 risk-based capital ratio | 18.3834% | 2,041 |
| Total risk-based capital ratio | 19.2916% | 2,078 |
| Memoranda: | ||
| Average total assets | $49,449,500 | 5,734 |
| Average earning assets | $48,207,500 | 5,653 |
| Average equity | $4,842,500 | 5,873 |
| Average total loans | $23,312,500 | 5,782 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0575% | 6,004 |
| Cost of funding earning assets | 0.4063% | 3,627 |
| Net interest margin | 2.6512% | 6,009 |
| Noninterest income to average assets | 0.3440% | 4,641 |
| Noninterest expense to average assets | 2.4548% | 4,687 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4679% | 4,931 |
| Return on assets (ROA) | 0.4593% | 5,064 |
| Pretax return on assets | 0.4593% | 5,361 |
| Return on Equity (ROE) | 4.6151% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.6151% | 2,897 |
| Net charge-offs to loans | -0.2295% | 6,283 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9912% | 1,410 |
| Assets per employee ($millions) | 6.0986% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 5,082 |
| Loan loss allowance to noncurrent loans | 101.7021% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 4,126 |
| Noncurrent loans to loans | 0.9788% | 2,881 |
| Net loans and leases to total assets | 48.7220% | 5,097 |
| Net loans and leases to deposits | 54.2705% | 5,315 |
| Net loans and leases to core deposits | 54.6108% | 5,471 |
| Total domestic deposits to total assets | 89.7764% | 846 |
| Equity capital to assets | 9.8096% | 4,339 |
| Core capital (leverage) ratio | 10.0146% | 3,551 |
| Tier 1 risk-based capital ratio | 16.5934% | 2,674 |
| Total risk-based capital ratio | 17.4203% | 2,819 |
| Memoranda: | ||
| Average total assets | $46,807,200 | 5,868 |
| Average earning assets | $45,527,400 | 5,784 |
| Average equity | $4,658,600 | 5,941 |
| Average total loans | $23,090,800 | 5,850 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0417% | 6,091 |
| Cost of funding earning assets | 0.4265% | 3,507 |
| Net interest margin | 2.6152% | 6,116 |
| Noninterest income to average assets | 0.3541% | 4,607 |
| Noninterest expense to average assets | 2.4270% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4693% | 4,997 |
| Return on assets (ROA) | 0.4577% | 5,119 |
| Pretax return on assets | 0.4577% | 5,444 |
| Return on Equity (ROE) | 4.5818% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.5818% | 3,380 |
| Net charge-offs to loans | -0.0933% | 6,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7972% | 1,414 |
| Assets per employee ($millions) | 5.7721% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 5,791 |
| Loan loss allowance to noncurrent loans | 45.5982% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 0.9810% | 2,998 |
| Noncurrent loans to loans | 1.8216% | 1,765 |
| Net loans and leases to total assets | 52.2273% | 4,782 |
| Net loans and leases to deposits | 58.6617% | 5,053 |
| Net loans and leases to core deposits | 59.4293% | 5,230 |
| Total domestic deposits to total assets | 89.0313% | 1,222 |
| Equity capital to assets | 10.2605% | 3,844 |
| Core capital (leverage) ratio | 10.2199% | 3,386 |
| Tier 1 risk-based capital ratio | 17.7635% | 2,290 |
| Total risk-based capital ratio | 18.5205% | 2,452 |
| Memoranda: | ||
| Average total assets | $46,311,750 | 5,945 |
| Average earning assets | $45,017,500 | 5,865 |
| Average equity | $4,626,750 | 6,009 |
| Average total loans | $22,861,000 | 5,920 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9459% | 6,223 |
| Cost of funding earning assets | 0.4437% | 3,402 |
| Net interest margin | 2.5022% | 6,275 |
| Noninterest income to average assets | 0.3365% | 4,735 |
| Noninterest expense to average assets | 2.3815% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3883% | 5,269 |
| Return on assets (ROA) | 0.3710% | 5,391 |
| Pretax return on assets | 0.3710% | 5,635 |
| Return on Equity (ROE) | 3.7475% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.7475% | 3,808 |
| Net charge-offs to loans | -0.0804% | 6,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9813% | 1,272 |
| Assets per employee ($millions) | 5.7103% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 5,853 |
| Loan loss allowance to noncurrent loans | 36.7232% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 1.1624% | 2,756 |
| Noncurrent loans to loans | 2.3373% | 1,374 |
| Net loans and leases to total assets | 49.3061% | 5,037 |
| Net loans and leases to deposits | 55.2818% | 5,257 |
| Net loans and leases to core deposits | 56.0117% | 5,413 |
| Total domestic deposits to total assets | 89.1905% | 1,258 |
| Equity capital to assets | 10.2053% | 3,821 |
| Core capital (leverage) ratio | 9.7777% | 3,924 |
| Tier 1 risk-based capital ratio | 18.0117% | 2,237 |
| Total risk-based capital ratio | 18.7642% | 2,384 |
| Memoranda: | ||
| Average total assets | $46,356,670 | 5,997 |
| Average earning assets | $45,080,330 | 5,914 |
| Average equity | $4,589,670 | 6,064 |
| Average total loans | $22,375,000 | 5,980 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7910% | 6,408 |
| Cost of funding earning assets | 0.4666% | 3,254 |
| Net interest margin | 2.3244% | 6,461 |
| Noninterest income to average assets | 0.3255% | 4,766 |
| Noninterest expense to average assets | 2.3729% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2142% | 5,760 |
| Return on assets (ROA) | 0.1885% | 5,879 |
| Pretax return on assets | 0.1885% | 5,935 |
| Return on Equity (ROE) | 1.9326% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.9326% | 4,821 |
| Net charge-offs to loans | -0.0360% | 5,663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7219% | 898 |
| Assets per employee ($millions) | 5.8789% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8196% | 6,058 |
| Loan loss allowance to noncurrent loans | 36.9352% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 1.0823% | 3,088 |
| Noncurrent loans to loans | 2.2190% | 1,631 |
| Net loans and leases to total assets | 48.3724% | 5,075 |
| Net loans and leases to deposits | 53.9611% | 5,294 |
| Net loans and leases to core deposits | 54.6468% | 5,456 |
| Total domestic deposits to total assets | 89.6430% | 1,283 |
| Equity capital to assets | 9.7106% | 4,212 |
| Core capital (leverage) ratio | 9.5500% | 4,211 |
| Tier 1 risk-based capital ratio | 18.1478% | 2,231 |
| Total risk-based capital ratio | 18.8890% | 2,400 |
| Memoranda: | ||
| Average total assets | $46,694,000 | 6,050 |
| Average earning assets | $45,431,000 | 5,958 |
| Average equity | $4,553,500 | 6,116 |
| Average total loans | $22,203,000 | 6,038 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1075% | 6,233 |
| Cost of funding earning assets | 0.5542% | 3,077 |
| Net interest margin | 2.5533% | 6,330 |
| Noninterest income to average assets | 0.3480% | 4,829 |
| Noninterest expense to average assets | 2.4105% | 5,045 |
| Loan and lease loss provision to assets | 0.2092% | 1,767 |
| Net operating income to assets | 0.1986% | 5,820 |
| Return on assets (ROA) | 0.1986% | 5,892 |
| Pretax return on assets | 0.2071% | 5,923 |
| Return on Equity (ROE) | 2.0392% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.5130% | 5,137 |
| Net charge-offs to loans | 1.0863% | 519 |
| Credit loss provision to net charge-offs | 40.0000% | 4,047 |
| Earnings coverage of net charge-offs (x) | 0.7959% | 4,822 |
| Efficiency ratio | 85.2719% | 1,493 |
| Assets per employee ($millions) | 5.7946% | 1,410 |
| Cash dividends to net income (ytd only)* | 25.8065% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 6,019 |
| Loan loss allowance to noncurrent loans | 41.0596% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 0.9772% | 3,463 |
| Noncurrent loans to loans | 2.1101% | 1,872 |
| Net loans and leases to total assets | 45.9089% | 5,498 |
| Net loans and leases to deposits | 51.0727% | 5,691 |
| Net loans and leases to core deposits | 55.0748% | 5,609 |
| Total domestic deposits to total assets | 89.8893% | 1,136 |
| Equity capital to assets | 9.7936% | 4,048 |
| Core capital (leverage) ratio | 9.6582% | 4,044 |
| Tier 1 risk-based capital ratio | 19.3169% | 1,834 |
| Total risk-based capital ratio | 20.1012% | 1,928 |
| Memoranda: | ||
| Average total assets | $46,836,800 | 6,095 |
| Average earning assets | $45,470,000 | 6,008 |
| Average equity | $4,560,600 | 6,183 |
| Average total loans | $22,553,200 | 6,097 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1402% | 6,265 |
| Cost of funding earning assets | 0.5677% | 3,101 |
| Net interest margin | 2.5724% | 6,345 |
| Noninterest income to average assets | 0.3578% | 4,831 |
| Noninterest expense to average assets | 2.4107% | 4,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4288% | 5,117 |
| Return on assets (ROA) | 0.4288% | 5,266 |
| Pretax return on assets | 0.4430% | 5,513 |
| Return on Equity (ROE) | 4.4096% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.7087% | 4,056 |
| Net charge-offs to loans | 1.4545% | 329 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.6265% | 4,646 |
| Efficiency ratio | 84.4776% | 1,537 |
| Assets per employee ($millions) | 5.7936% | 1,382 |
| Cash dividends to net income (ytd only)* | 15.8943% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3705% | 6,736 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 6,048 |
| Noncurrent loans to loans | 0.2646% | 5,566 |
| Net loans and leases to total assets | 48.7389% | 5,272 |
| Net loans and leases to deposits | 54.6510% | 5,479 |
| Net loans and leases to core deposits | 58.9833% | 5,370 |
| Total domestic deposits to total assets | 89.1821% | 1,461 |
| Equity capital to assets | 9.9549% | 3,956 |
| Core capital (leverage) ratio | 9.9981% | 3,683 |
| Tier 1 risk-based capital ratio | 18.5964% | 2,115 |
| Total risk-based capital ratio | 18.9331% | 2,411 |
| Memoranda: | ||
| Average total assets | $46,956,750 | 6,167 |
| Average earning assets | $45,559,250 | 6,071 |
| Average equity | $4,565,750 | 6,264 |
| Average total loans | $22,824,500 | 6,149 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1037% | 6,339 |
| Cost of funding earning assets | 0.5858% | 3,076 |
| Net interest margin | 2.5179% | 6,428 |
| Noninterest income to average assets | 0.3690% | 4,762 |
| Noninterest expense to average assets | 2.4004% | 5,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4029% | 5,209 |
| Return on assets (ROA) | 0.4029% | 5,374 |
| Pretax return on assets | 0.4114% | 5,614 |
| Return on Equity (ROE) | 4.1761% | 5,144 |
| Retained earnings to average equity (ytd only) | 3.1211% | 4,335 |
| Net charge-offs to loans | -0.0874% | 6,465 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3695% | 1,474 |
| Assets per employee ($millions) | 5.9184% | 1,263 |
| Cash dividends to net income (ytd only)* | 25.2632% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 3,543 |
| Loan loss allowance to noncurrent loans | 214.3750% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 5,284 |
| Noncurrent loans to loans | 0.7045% | 4,525 |
| Net loans and leases to total assets | 47.2406% | 5,397 |
| Net loans and leases to deposits | 52.6097% | 5,634 |
| Net loans and leases to core deposits | 56.6540% | 5,550 |
| Total domestic deposits to total assets | 89.7945% | 1,152 |
| Equity capital to assets | 9.5613% | 4,500 |
| Core capital (leverage) ratio | 9.7434% | 3,875 |
| Tier 1 risk-based capital ratio | 17.9881% | 2,319 |
| Total risk-based capital ratio | 19.2362% | 2,286 |
| Memoranda: | ||
| Average total assets | $47,159,330 | 6,205 |
| Average earning assets | $45,752,330 | 6,111 |
| Average equity | $4,549,670 | 6,319 |
| Average total loans | $22,874,670 | 6,178 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1415% | 6,361 |
| Cost of funding earning assets | 0.6126% | 2,988 |
| Net interest margin | 2.5290% | 6,467 |
| Noninterest income to average assets | 0.3824% | 4,600 |
| Noninterest expense to average assets | 2.4901% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3485% | 5,360 |
| Return on assets (ROA) | 0.3485% | 5,502 |
| Pretax return on assets | 0.3485% | 5,726 |
| Return on Equity (ROE) | 3.5957% | 5,299 |
| Retained earnings to average equity (ytd only) | 1.4909% | 5,243 |
| Net charge-offs to loans | -0.1045% | 6,466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7246% | 1,352 |
| Assets per employee ($millions) | 5.9676% | 1,275 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 3,904 |
| Loan loss allowance to noncurrent loans | 245.6522% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 5,546 |
| Noncurrent loans to loans | 0.6021% | 4,937 |
| Net loans and leases to total assets | 47.2948% | 5,306 |
| Net loans and leases to deposits | 52.6366% | 5,564 |
| Net loans and leases to core deposits | 56.6415% | 5,459 |
| Total domestic deposits to total assets | 89.8515% | 1,139 |
| Equity capital to assets | 9.5662% | 4,761 |
| Core capital (leverage) ratio | 9.4932% | 4,098 |
| Tier 1 risk-based capital ratio | 17.6617% | 2,499 |
| Total risk-based capital ratio | 18.9096% | 2,464 |
| Memoranda: | ||
| Average total assets | $47,065,500 | 6,265 |
| Average earning assets | $45,710,500 | 6,168 |
| Average equity | $4,561,000 | 6,379 |
| Average total loans | $22,957,000 | 6,222 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4096% | 6,474 |
| Cost of funding earning assets | 0.7570% | 3,040 |
| Net interest margin | 2.6526% | 6,585 |
| Noninterest income to average assets | 0.4235% | 4,430 |
| Noninterest expense to average assets | 2.3005% | 5,691 |
| Loan and lease loss provision to assets | 0.1069% | 4,298 |
| Net operating income to assets | 0.5674% | 4,389 |
| Return on assets (ROA) | 0.5674% | 4,652 |
| Pretax return on assets | 0.5880% | 5,029 |
| Return on Equity (ROE) | 6.1712% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.0979% | 2,647 |
| Net charge-offs to loans | 0.3550% | 2,857 |
| Credit loss provision to net charge-offs | 58.4270% | 4,488 |
| Earnings coverage of net charge-offs (x) | 3.7978% | 3,599 |
| Efficiency ratio | 76.8016% | 2,628 |
| Assets per employee ($millions) | 5.7988% | 1,428 |
| Cash dividends to net income (ytd only)* | 17.3913% | 3,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 3,949 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 5,772 |
| Noncurrent loans to loans | 0.4827% | 5,319 |
| Net loans and leases to total assets | 48.8532% | 5,322 |
| Net loans and leases to deposits | 54.4535% | 5,609 |
| Net loans and leases to core deposits | 55.1586% | 5,780 |
| Total domestic deposits to total assets | 89.7155% | 1,117 |
| Equity capital to assets | 9.8189% | 4,423 |
| Core capital (leverage) ratio | 9.1924% | 4,593 |
| Tier 1 risk-based capital ratio | 17.9983% | 2,260 |
| Total risk-based capital ratio | 19.2469% | 2,233 |
| Memoranda: | ||
| Average total assets | $48,641,600 | 6,250 |
| Average earning assets | $47,160,600 | 6,148 |
| Average equity | $4,472,400 | 6,450 |
| Average total loans | $25,073,800 | 6,190 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4050% | 6,623 |
| Cost of funding earning assets | 0.7772% | 3,139 |
| Net interest margin | 2.6278% | 6,730 |
| Noninterest income to average assets | 0.4146% | 4,525 |
| Noninterest expense to average assets | 2.2572% | 5,803 |
| Loan and lease loss provision to assets | 0.1409% | 3,774 |
| Net operating income to assets | 0.5257% | 4,731 |
| Return on assets (ROA) | 0.5257% | 5,001 |
| Pretax return on assets | 0.5636% | 5,269 |
| Return on Equity (ROE) | 5.8103% | 4,433 |
| Retained earnings to average equity (ytd only) | 5.0915% | 3,305 |
| Net charge-offs to loans | 0.4741% | 2,199 |
| Credit loss provision to net charge-offs | 57.1429% | 4,231 |
| Earnings coverage of net charge-offs (x) | 2.8572% | 3,895 |
| Efficiency ratio | 76.2123% | 2,645 |
| Assets per employee ($millions) | 6.2493% | 1,096 |
| Cash dividends to net income (ytd only)* | 12.3715% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 4,614 |
| Loan loss allowance to noncurrent loans | 403.6585% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 6,152 |
| Noncurrent loans to loans | 0.3327% | 5,807 |
| Net loans and leases to total assets | 48.6318% | 5,472 |
| Net loans and leases to deposits | 53.9965% | 5,811 |
| Net loans and leases to core deposits | 60.6203% | 5,496 |
| Total domestic deposits to total assets | 90.0648% | 812 |
| Equity capital to assets | 9.0151% | 5,810 |
| Core capital (leverage) ratio | 9.0155% | 5,043 |
| Tier 1 risk-based capital ratio | 16.1958% | 3,174 |
| Total risk-based capital ratio | 17.3994% | 3,166 |
| Memoranda: | ||
| Average total assets | $49,204,500 | 6,311 |
| Average earning assets | $47,693,750 | 6,205 |
| Average equity | $4,451,750 | 6,526 |
| Average total loans | $25,593,250 | 6,240 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 6,607 |
| Cost of funding earning assets | 0.8010% | 3,179 |
| Net interest margin | 2.6940% | 6,712 |
| Noninterest income to average assets | 0.3964% | 4,681 |
| Noninterest expense to average assets | 2.3007% | 5,736 |
| Loan and lease loss provision to assets | 0.0490% | 5,062 |
| Net operating income to assets | 0.6293% | 4,229 |
| Return on assets (ROA) | 0.6293% | 4,474 |
| Pretax return on assets | 0.6579% | 4,950 |
| Return on Equity (ROE) | 6.9474% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.8647% | 2,792 |
| Net charge-offs to loans | 0.4246% | 2,339 |
| Credit loss provision to net charge-offs | 21.8182% | 4,576 |
| Earnings coverage of net charge-offs (x) | 3.1455% | 3,484 |
| Efficiency ratio | 76.4946% | 2,668 |
| Assets per employee ($millions) | 6.0943% | 1,172 |
| Cash dividends to net income (ytd only)* | 15.5844% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 4,896 |
| Loan loss allowance to noncurrent loans | 257.4803% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 5,965 |
| Noncurrent loans to loans | 0.5045% | 5,524 |
| Net loans and leases to total assets | 50.9579% | 5,228 |
| Net loans and leases to deposits | 56.5665% | 5,591 |
| Net loans and leases to core deposits | 63.6895% | 5,237 |
| Total domestic deposits to total assets | 90.0849% | 881 |
| Equity capital to assets | 9.1767% | 5,486 |
| Core capital (leverage) ratio | 9.0120% | 4,895 |
| Tier 1 risk-based capital ratio | 16.8044% | 2,759 |
| Total risk-based capital ratio | 18.0493% | 2,715 |
| Memoranda: | ||
| Average total assets | $48,941,330 | 6,355 |
| Average earning assets | $47,439,330 | 6,249 |
| Average equity | $4,433,330 | 6,562 |
| Average total loans | $25,909,670 | 6,268 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6605% | 6,497 |
| Cost of funding earning assets | 0.8162% | 3,341 |
| Net interest margin | 2.8442% | 6,564 |
| Noninterest income to average assets | 0.3752% | 4,853 |
| Noninterest expense to average assets | 2.3249% | 5,706 |
| Loan and lease loss provision to assets | 0.0979% | 4,121 |
| Net operating income to assets | 0.6689% | 4,036 |
| Return on assets (ROA) | 0.6689% | 4,250 |
| Pretax return on assets | 0.7097% | 4,759 |
| Return on Equity (ROE) | 7.4326% | 3,541 |
| Retained earnings to average equity (ytd only) | 5.2572% | 3,399 |
| Net charge-offs to loans | 0.1522% | 3,180 |
| Credit loss provision to net charge-offs | 120.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 9.9000% | 1,802 |
| Efficiency ratio | 74.2188% | 3,068 |
| Assets per employee ($millions) | 6.1614% | 1,180 |
| Cash dividends to net income (ytd only)* | 29.2683% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 4,340 |
| Loan loss allowance to noncurrent loans | 364.7059% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 6,222 |
| Noncurrent loans to loans | 0.4002% | 5,873 |
| Net loans and leases to total assets | 50.9484% | 5,167 |
| Net loans and leases to deposits | 56.3906% | 5,560 |
| Net loans and leases to core deposits | 63.3463% | 5,193 |
| Total domestic deposits to total assets | 90.3492% | 891 |
| Equity capital to assets | 8.9996% | 5,490 |
| Core capital (leverage) ratio | 8.9023% | 4,991 |
| Tier 1 risk-based capital ratio | 16.3000% | 3,016 |
| Total risk-based capital ratio | 17.5501% | 2,977 |
| Memoranda: | ||
| Average total assets | $49,035,000 | 6,394 |
| Average earning assets | $47,534,500 | 6,287 |
| Average equity | $4,413,000 | 6,605 |
| Average total loans | $26,279,000 | 6,290 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7399% | 6,798 |
| Cost of funding earning assets | 1.0955% | 2,700 |
| Net interest margin | 2.6443% | 6,975 |
| Noninterest income to average assets | 0.3513% | 4,992 |
| Noninterest expense to average assets | 2.1363% | 6,416 |
| Loan and lease loss provision to assets | 0.0406% | 6,067 |
| Net operating income to assets | 0.6803% | 3,578 |
| Return on assets (ROA) | 0.6803% | 3,772 |
| Pretax return on assets | 0.7331% | 4,215 |
| Return on Equity (ROE) | 7.9316% | 2,948 |
| Retained earnings to average equity (ytd only) | 7.9316% | 1,103 |
| Net charge-offs to loans | 0.1395% | 5,032 |
| Credit loss provision to net charge-offs | 55.5556% | 5,280 |
| Earnings coverage of net charge-offs (x) | 10.5833% | 1,818 |
| Efficiency ratio | 73.4124% | 3,324 |
| Assets per employee ($millions) | 6.0974% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,612 |
| Loan loss allowance to noncurrent loans | 262.4113% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 6,102 |
| Noncurrent loans to loans | 0.5208% | 5,671 |
| Net loans and leases to total assets | 54.7428% | 4,917 |
| Net loans and leases to deposits | 60.4811% | 5,439 |
| Net loans and leases to core deposits | 68.0002% | 5,028 |
| Total domestic deposits to total assets | 90.5123% | 714 |
| Equity capital to assets | 8.9998% | 5,549 |
| Core capital (leverage) ratio | 8.8926% | 4,955 |
| Tier 1 risk-based capital ratio | 15.4869% | 3,333 |
| Total risk-based capital ratio | 16.7341% | 3,293 |
| Memoranda: | ||
| Average total assets | $49,243,600 | 6,387 |
| Average earning assets | $47,648,800 | 6,267 |
| Average equity | $4,223,600 | 6,690 |
| Average total loans | $25,801,400 | 6,370 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 6,854 |
| Cost of funding earning assets | 1.1704% | 2,505 |
| Net interest margin | 2.6173% | 7,061 |
| Noninterest income to average assets | 0.3323% | 5,204 |
| Noninterest expense to average assets | 2.0691% | 6,551 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7293% | 3,466 |
| Return on assets (ROA) | 0.7293% | 3,647 |
| Pretax return on assets | 0.7941% | 4,154 |
| Return on Equity (ROE) | 8.6081% | 2,777 |
| Retained earnings to average equity (ytd only) | 8.6081% | 1,278 |
| Net charge-offs to loans | 0.1779% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 8.6475% | 2,146 |
| Efficiency ratio | 72.2642% | 3,503 |
| Assets per employee ($millions) | 6.0195% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 4,499 |
| Loan loss allowance to noncurrent loans | 170.8738% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 5,626 |
| Noncurrent loans to loans | 0.8270% | 5,217 |
| Net loans and leases to total assets | 50.9947% | 5,580 |
| Net loans and leases to deposits | 56.6822% | 5,962 |
| Net loans and leases to core deposits | 63.8591% | 5,630 |
| Total domestic deposits to total assets | 89.9659% | 885 |
| Equity capital to assets | 9.0269% | 5,728 |
| Core capital (leverage) ratio | 8.8068% | 5,256 |
| Tier 1 risk-based capital ratio | 16.0565% | 3,087 |
| Total risk-based capital ratio | 17.3048% | 3,052 |
| Memoranda: | ||
| Average total assets | $49,359,750 | 6,443 |
| Average earning assets | $47,732,000 | 6,318 |
| Average equity | $4,182,000 | 6,755 |
| Average total loans | $25,483,500 | 6,450 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 6,937 |
| Cost of funding earning assets | 1.2713% | 2,110 |
| Net interest margin | 2.5135% | 7,180 |
| Noninterest income to average assets | 0.3657% | 4,952 |
| Noninterest expense to average assets | 2.0337% | 6,724 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7194% | 3,448 |
| Return on assets (ROA) | 0.7194% | 3,561 |
| Pretax return on assets | 0.7637% | 4,165 |
| Return on Equity (ROE) | 8.6746% | 2,645 |
| Retained earnings to average equity (ytd only) | 8.6746% | 1,211 |
| Net charge-offs to loans | 0.0156% | 5,627 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 376 |
| Efficiency ratio | 72.7011% | 3,599 |
| Assets per employee ($millions) | 6.0534% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 4,163 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 5,767 |
| Noncurrent loans to loans | 0.7467% | 5,417 |
| Net loans and leases to total assets | 52.3055% | 5,531 |
| Net loans and leases to deposits | 57.8429% | 5,954 |
| Net loans and leases to core deposits | 65.6881% | 5,545 |
| Total domestic deposits to total assets | 90.4268% | 747 |
| Equity capital to assets | 8.7885% | 5,832 |
| Core capital (leverage) ratio | 8.2845% | 5,893 |
| Tier 1 risk-based capital ratio | 15.3703% | 3,311 |
| Total risk-based capital ratio | 16.5879% | 3,279 |
| Memoranda: | ||
| Average total assets | $49,761,000 | 6,484 |
| Average earning assets | $48,139,670 | 6,365 |
| Average equity | $4,127,000 | 6,812 |
| Average total loans | $25,675,000 | 6,496 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8183% | 6,929 |
| Cost of funding earning assets | 1.3765% | 1,733 |
| Net interest margin | 2.4417% | 7,237 |
| Noninterest income to average assets | 0.3490% | 5,113 |
| Noninterest expense to average assets | 2.0703% | 6,693 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5790% | 4,142 |
| Return on assets (ROA) | 0.5790% | 4,211 |
| Pretax return on assets | 0.6425% | 4,523 |
| Return on Equity (ROE) | 7.1877% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.1877% | 2,073 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3158% | 3,106 |
| Assets per employee ($millions) | 6.3063% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 3,993 |
| Loan loss allowance to noncurrent loans | 99.7416% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 5,001 |
| Noncurrent loans to loans | 1.5473% | 4,145 |
| Net loans and leases to total assets | 48.8127% | 5,974 |
| Net loans and leases to deposits | 53.5290% | 6,341 |
| Net loans and leases to core deposits | 60.3386% | 6,069 |
| Total domestic deposits to total assets | 91.1893% | 537 |
| Equity capital to assets | 8.1526% | 6,338 |
| Core capital (leverage) ratio | 7.8815% | 6,384 |
| Tier 1 risk-based capital ratio | 15.0271% | 3,410 |
| Total risk-based capital ratio | 16.2488% | 3,385 |
| Memoranda: | ||
| Average total assets | $50,428,000 | 6,520 |
| Average earning assets | $48,818,000 | 6,388 |
| Average equity | $4,062,500 | 6,864 |
| Average total loans | $25,655,500 | 6,548 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2462% | 6,863 |
| Cost of funding earning assets | 1.8540% | 985 |
| Net interest margin | 2.3922% | 7,325 |
| Noninterest income to average assets | 0.3960% | 4,934 |
| Noninterest expense to average assets | 2.0998% | 6,845 |
| Loan and lease loss provision to assets | 0.9632% | 1,683 |
| Net operating income to assets | -0.4024% | 6,312 |
| Return on assets (ROA) | -0.4024% | 6,342 |
| Pretax return on assets | -0.3553% | 6,206 |
| Return on Equity (ROE) | -4.5214% | 6,391 |
| Retained earnings to average equity (ytd only) | -6.2530% | 6,407 |
| Net charge-offs to loans | 1.0084% | 2,180 |
| Credit loss provision to net charge-offs | 175.7813% | 1,900 |
| Earnings coverage of net charge-offs (x) | 1.1094% | 5,003 |
| Efficiency ratio | 77.5494% | 2,780 |
| Assets per employee ($millions) | 6.3008% | 1,037 |
| Cash dividends to net income (ytd only)* | -38.2979% | 7,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 4,202 |
| Loan loss allowance to noncurrent loans | 90.6103% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 5,314 |
| Noncurrent loans to loans | 1.6198% | 4,074 |
| Net loans and leases to total assets | 51.4086% | 6,000 |
| Net loans and leases to deposits | 56.1726% | 6,430 |
| Net loans and leases to core deposits | 63.7153% | 6,078 |
| Total domestic deposits to total assets | 91.5189% | 392 |
| Equity capital to assets | 7.9594% | 6,534 |
| Core capital (leverage) ratio | 7.7570% | 6,487 |
| Tier 1 risk-based capital ratio | 14.4414% | 3,591 |
| Total risk-based capital ratio | 15.6957% | 3,539 |
| Memoranda: | ||
| Average total assets | $46,719,000 | 6,647 |
| Average earning assets | $45,146,600 | 6,535 |
| Average equity | $4,158,000 | 6,938 |
| Average total loans | $25,387,400 | 6,644 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 6,918 |
| Cost of funding earning assets | 1.9092% | 1,002 |
| Net interest margin | 2.4249% | 7,423 |
| Noninterest income to average assets | 0.4571% | 4,506 |
| Noninterest expense to average assets | 2.0787% | 6,895 |
| Loan and lease loss provision to assets | 1.3101% | 1,059 |
| Net operating income to assets | -0.6550% | 6,698 |
| Return on assets (ROA) | -0.6550% | 6,745 |
| Pretax return on assets | -0.5910% | 6,608 |
| Return on Equity (ROE) | -7.1520% | 6,797 |
| Retained earnings to average equity (ytd only) | -9.4407% | 6,845 |
| Net charge-offs to loans | 1.4573% | 1,390 |
| Credit loss provision to net charge-offs | 163.6364% | 2,300 |
| Earnings coverage of net charge-offs (x) | 0.8982% | 5,156 |
| Efficiency ratio | 74.2976% | 3,268 |
| Assets per employee ($millions) | 6.0369% | 1,218 |
| Cash dividends to net income (ytd only)* | -32.0011% | 7,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 4,347 |
| Loan loss allowance to noncurrent loans | 91.9799% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 5,176 |
| Noncurrent loans to loans | 1.5461% | 4,315 |
| Net loans and leases to total assets | 52.6763% | 6,015 |
| Net loans and leases to deposits | 58.2151% | 6,443 |
| Net loans and leases to core deposits | 65.9631% | 6,126 |
| Total domestic deposits to total assets | 90.4856% | 646 |
| Equity capital to assets | 8.4377% | 6,347 |
| Core capital (leverage) ratio | 8.0725% | 6,242 |
| Tier 1 risk-based capital ratio | 14.6188% | 3,449 |
| Total risk-based capital ratio | 15.8670% | 3,419 |
| Memoranda: | ||
| Average total assets | $45,797,250 | 6,751 |
| Average earning assets | $44,207,000 | 6,650 |
| Average equity | $4,194,500 | 7,012 |
| Average total loans | $25,159,500 | 6,747 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 6,847 |
| Cost of funding earning assets | 1.9017% | 1,229 |
| Net interest margin | 2.5233% | 7,402 |
| Noninterest income to average assets | 0.4270% | 4,700 |
| Noninterest expense to average assets | 2.1172% | 6,848 |
| Loan and lease loss provision to assets | 2.0016% | 613 |
| Net operating income to assets | -1.3522% | 7,098 |
| Return on assets (ROA) | -1.3522% | 7,112 |
| Pretax return on assets | -1.2543% | 6,987 |
| Return on Equity (ROE) | -14.3588% | 7,122 |
| Retained earnings to average equity (ytd only) | -17.7596% | 7,193 |
| Net charge-offs to loans | 0.6575% | 2,572 |
| Credit loss provision to net charge-offs | 548.7805% | 671 |
| Earnings coverage of net charge-offs (x) | 2.0488% | 3,999 |
| Efficiency ratio | 73.9130% | 3,489 |
| Assets per employee ($millions) | 5.8705% | 1,320 |
| Cash dividends to net income (ytd only)* | -23.6842% | 7,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1878% | 1,785 |
| Loan loss allowance to noncurrent loans | 98.0736% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 1.3351% | 4,484 |
| Noncurrent loans to loans | 2.2308% | 3,447 |
| Net loans and leases to total assets | 53.3089% | 6,076 |
| Net loans and leases to deposits | 58.8086% | 6,512 |
| Net loans and leases to core deposits | 66.7662% | 6,182 |
| Total domestic deposits to total assets | 90.6482% | 622 |
| Equity capital to assets | 8.4597% | 6,217 |
| Core capital (leverage) ratio | 8.2759% | 5,813 |
| Tier 1 risk-based capital ratio | 14.7429% | 3,306 |
| Total risk-based capital ratio | 15.9929% | 3,277 |
| Memoranda: | ||
| Average total assets | $44,964,670 | 6,833 |
| Average earning assets | $43,435,330 | 6,722 |
| Average equity | $4,234,330 | 7,036 |
| Average total loans | $24,943,670 | 6,810 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 6,664 |
| Cost of funding earning assets | 1.9017% | 1,440 |
| Net interest margin | 2.6549% | 7,338 |
| Noninterest income to average assets | 0.4367% | 4,587 |
| Noninterest expense to average assets | 2.1927% | 6,705 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6187% | 3,811 |
| Return on assets (ROA) | 0.6187% | 3,947 |
| Pretax return on assets | 0.8097% | 3,823 |
| Return on Equity (ROE) | 6.2314% | 3,757 |
| Retained earnings to average equity (ytd only) | 1.8328% | 5,014 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0303% | 3,754 |
| Assets per employee ($millions) | 5.6429% | 1,547 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 7,184 |
| Loan loss allowance to noncurrent loans | 26.3374% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 1.7013% | 3,929 |
| Noncurrent loans to loans | 2.9449% | 2,733 |
| Net loans and leases to total assets | 54.4115% | 5,975 |
| Net loans and leases to deposits | 60.8598% | 6,377 |
| Net loans and leases to core deposits | 69.0146% | 6,002 |
| Total domestic deposits to total assets | 89.4048% | 1,294 |
| Equity capital to assets | 9.6737% | 4,266 |
| Core capital (leverage) ratio | 9.6464% | 3,584 |
| Tier 1 risk-based capital ratio | 16.7977% | 2,344 |
| Total risk-based capital ratio | 17.5604% | 2,487 |
| Memoranda: | ||
| Average total assets | $43,965,000 | 6,951 |
| Average earning assets | $42,488,000 | 6,834 |
| Average equity | $4,365,000 | 7,052 |
| Average total loans | $24,617,500 | 6,907 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0569% | 6,235 |
| Cost of funding earning assets | 2.1136% | 2,395 |
| Net interest margin | 2.9434% | 6,775 |
| Noninterest income to average assets | 0.5101% | 4,332 |
| Noninterest expense to average assets | 2.4213% | 6,401 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7982% | 2,545 |
| Return on assets (ROA) | 0.7982% | 2,631 |
| Pretax return on assets | 0.9373% | 2,807 |
| Return on Equity (ROE) | 7.6199% | 2,535 |
| Retained earnings to average equity (ytd only) | 1.7011% | 3,893 |
| Net charge-offs to loans | 0.0502% | 6,599 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 725 |
| Efficiency ratio | 72.0930% | 4,246 |
| Assets per employee ($millions) | 5.3484% | 1,789 |
| Cash dividends to net income (ytd only)* | 77.6758% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 7,179 |
| Loan loss allowance to noncurrent loans | 29.0909% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 1.6337% | 3,922 |
| Noncurrent loans to loans | 2.6961% | 2,856 |
| Net loans and leases to total assets | 56.7649% | 5,860 |
| Net loans and leases to deposits | 63.8519% | 6,287 |
| Net loans and leases to core deposits | 83.8674% | 5,726 |
| Total domestic deposits to total assets | 88.9008% | 1,524 |
| Equity capital to assets | 10.1970% | 3,517 |
| Core capital (leverage) ratio | 9.7654% | 3,375 |
| Tier 1 risk-based capital ratio | 17.1852% | 2,103 |
| Total risk-based capital ratio | 17.9691% | 2,196 |
| Memoranda: | ||
| Average total assets | $40,969,200 | 7,056 |
| Average earning assets | $39,648,600 | 6,955 |
| Average equity | $4,291,400 | 7,175 |
| Average total loans | $23,912,400 | 6,982 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1429% | 6,133 |
| Cost of funding earning assets | 2.1347% | 2,729 |
| Net interest margin | 3.0082% | 6,586 |
| Noninterest income to average assets | 0.5134% | 4,378 |
| Noninterest expense to average assets | 2.4945% | 6,085 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8161% | 2,740 |
| Return on assets (ROA) | 0.8161% | 2,806 |
| Pretax return on assets | 0.9313% | 3,126 |
| Return on Equity (ROE) | 7.7375% | 2,756 |
| Retained earnings to average equity (ytd only) | 0.5616% | 4,972 |
| Net charge-offs to loans | 0.0673% | 6,022 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 23.5825% | 1,115 |
| Efficiency ratio | 72.8146% | 4,083 |
| Assets per employee ($millions) | 5.2169% | 1,871 |
| Cash dividends to net income (ytd only)* | 92.7418% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 7,134 |
| Loan loss allowance to noncurrent loans | 35.1005% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 1.4041% | 4,296 |
| Noncurrent loans to loans | 2.2695% | 3,306 |
| Net loans and leases to total assets | 57.2900% | 5,996 |
| Net loans and leases to deposits | 64.9764% | 6,405 |
| Net loans and leases to core deposits | 85.4234% | 5,927 |
| Total domestic deposits to total assets | 88.1706% | 1,584 |
| Equity capital to assets | 10.4253% | 3,591 |
| Core capital (leverage) ratio | 10.0581% | 3,224 |
| Tier 1 risk-based capital ratio | 17.4450% | 2,132 |
| Total risk-based capital ratio | 18.2513% | 2,223 |
| Memoranda: | ||
| Average total assets | $40,514,750 | 7,124 |
| Average earning assets | $39,224,500 | 7,026 |
| Average equity | $4,273,500 | 7,257 |
| Average total loans | $23,770,500 | 7,047 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 6,058 |
| Cost of funding earning assets | 2.1315% | 3,125 |
| Net interest margin | 3.0737% | 6,320 |
| Noninterest income to average assets | 0.4588% | 4,791 |
| Noninterest expense to average assets | 2.4883% | 6,158 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8477% | 2,662 |
| Return on assets (ROA) | 0.8477% | 2,768 |
| Pretax return on assets | 0.9474% | 3,188 |
| Return on Equity (ROE) | 8.0044% | 2,766 |
| Retained earnings to average equity (ytd only) | -2.8251% | 5,938 |
| Net charge-offs to loans | 0.0930% | 5,253 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 17.2727% | 1,486 |
| Efficiency ratio | 72.4238% | 4,325 |
| Assets per employee ($millions) | 5.0785% | 1,996 |
| Cash dividends to net income (ytd only)* | 135.2941% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8064% | 7,138 |
| Loan loss allowance to noncurrent loans | 32.0066% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 1.5802% | 3,847 |
| Noncurrent loans to loans | 2.5195% | 2,869 |
| Net loans and leases to total assets | 58.4326% | 5,906 |
| Net loans and leases to deposits | 66.1226% | 6,379 |
| Net loans and leases to core deposits | 86.4719% | 5,852 |
| Total domestic deposits to total assets | 88.3701% | 1,587 |
| Equity capital to assets | 10.4362% | 3,480 |
| Core capital (leverage) ratio | 10.0042% | 3,297 |
| Tier 1 risk-based capital ratio | 17.5124% | 2,146 |
| Total risk-based capital ratio | 18.3416% | 2,223 |
| Memoranda: | ||
| Average total assets | $40,108,000 | 7,204 |
| Average earning assets | $38,845,330 | 7,097 |
| Average equity | $4,247,670 | 7,321 |
| Average total loans | $23,660,000 | 7,106 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2443% | 6,136 |
| Cost of funding earning assets | 2.1350% | 3,496 |
| Net interest margin | 3.1093% | 6,168 |
| Noninterest income to average assets | 0.3915% | 5,286 |
| Noninterest expense to average assets | 2.5798% | 5,533 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8231% | 3,031 |
| Return on assets (ROA) | 0.8231% | 3,187 |
| Pretax return on assets | 0.8231% | 3,993 |
| Return on Equity (ROE) | 7.7149% | 3,277 |
| Retained earnings to average equity (ytd only) | -11.6665% | 7,245 |
| Net charge-offs to loans | 0.1870% | 3,515 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 7.4545% | 2,344 |
| Efficiency ratio | 75.8112% | 3,523 |
| Assets per employee ($millions) | 5.1560% | 1,886 |
| Cash dividends to net income (ytd only)* | 251.2195% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8235% | 7,072 |
| Loan loss allowance to noncurrent loans | 19.5542% | 7,189 |
| Noncurrent assets plus other real estate owned to assets | 2.4874% | 2,309 |
| Noncurrent loans to loans | 4.2113% | 1,405 |
| Net loans and leases to total assets | 56.3518% | 6,189 |
| Net loans and leases to deposits | 63.4198% | 6,610 |
| Net loans and leases to core deposits | 78.7665% | 6,479 |
| Total domestic deposits to total assets | 88.8552% | 1,302 |
| Equity capital to assets | 10.1266% | 3,856 |
| Core capital (leverage) ratio | 10.1295% | 3,262 |
| Tier 1 risk-based capital ratio | 17.2492% | 2,254 |
| Total risk-based capital ratio | 18.0790% | 2,325 |
| Memoranda: | ||
| Average total assets | $39,848,000 | 7,258 |
| Average earning assets | $38,594,000 | 7,140 |
| Average equity | $4,251,500 | 7,365 |
| Average total loans | $23,523,500 | 7,155 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8847% | 6,115 |
| Cost of funding earning assets | 2.5627% | 3,888 |
| Net interest margin | 3.3220% | 5,964 |
| Noninterest income to average assets | 0.3229% | 6,141 |
| Noninterest expense to average assets | 2.4406% | 6,253 |
| Loan and lease loss provision to assets | 0.1535% | 5,398 |
| Net operating income to assets | 0.7430% | 3,702 |
| Return on assets (ROA) | 0.7597% | 3,461 |
| Pretax return on assets | 0.9582% | 3,529 |
| Return on Equity (ROE) | 6.6630% | 3,685 |
| Retained earnings to average equity (ytd only) | 0.9751% | 4,650 |
| Net charge-offs to loans | 0.3959% | 2,834 |
| Credit loss provision to net charge-offs | 68.2353% | 6,101 |
| Earnings coverage of net charge-offs (x) | 4.8471% | 3,835 |
| Efficiency ratio | 69.1154% | 4,506 |
| Assets per employee ($millions) | 4.8060% | 2,170 |
| Cash dividends to net income (ytd only)* | 85.3659% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 6,832 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 4,603 |
| Noncurrent loans to loans | 1.2961% | 3,920 |
| Net loans and leases to total assets | 60.8770% | 5,786 |
| Net loans and leases to deposits | 69.3449% | 6,337 |
| Net loans and leases to core deposits | 85.7300% | 6,152 |
| Total domestic deposits to total assets | 87.7887% | 1,561 |
| Equity capital to assets | 11.2516% | 2,842 |
| Core capital (leverage) ratio | 10.9799% | 2,606 |
| Tier 1 risk-based capital ratio | 18.0682% | 2,023 |
| Total risk-based capital ratio | 18.9594% | 2,059 |
| Memoranda: | ||
| Average total assets | $37,777,600 | 7,318 |
| Average earning assets | $36,484,400 | 7,214 |
| Average equity | $4,307,400 | 7,387 |
| Average total loans | $21,472,600 | 7,230 |