Home > Union Bank of Blair > Performance and Condition Ratios
Union Bank of Blair, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 1,060 |
| Cost of funding earning assets | 1.2328% | 458 |
| Net interest margin | 3.6143% | 2,437 |
| Noninterest income to average assets | 0.8588% | 1,264 |
| Noninterest expense to average assets | 2.1433% | 3,943 |
| Loan and lease loss provision to assets | 0.1843% | 2,179 |
| Net operating income to assets | 1.3600% | 1,207 |
| Return on assets (ROA) | 1.3600% | 1,294 |
| Pretax return on assets | 1.8595% | 727 |
| Return on Equity (ROE) | 8.7078% | 2,488 |
| Retained earnings to average equity (ytd only) | 8.7078% | 1,101 |
| Net charge-offs to loans | 0.0280% | 2,156 |
| Credit loss provision to net charge-offs | 833.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 92.4167% | 729 |
| Efficiency ratio | 47.1831% | 4,671 |
| Assets per employee ($millions) | 8.1751% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,410 |
| Loan loss allowance to noncurrent loans | 87.1658% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.4382% | 669 |
| Noncurrent loans to loans | 1.6627% | 874 |
| Net loans and leases to total assets | 77.4751% | 924 |
| Net loans and leases to deposits | 99.2090% | 597 |
| Net loans and leases to core deposits | 133.6514% | 221 |
| Total domestic deposits to total assets | 78.0928% | 4,180 |
| Equity capital to assets | 15.2318% | 583 |
| Core capital (leverage) ratio | 15.0775% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6972% | 704 |
| Memoranda: | ||
| Average total assets | $108,526,000 | 3,887 |
| Average earning assets | $99,936,333 | 3,880 |
| Average equity | $16,950,333 | 3,468 |
| Average total loans | $85,647,000 | 3,488 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 717 |
| Cost of funding earning assets | 1.3280% | 520 |
| Net interest margin | 3.8226% | 1,893 |
| Noninterest income to average assets | 0.6214% | 1,943 |
| Noninterest expense to average assets | 2.2811% | 3,816 |
| Loan and lease loss provision to assets | 0.2274% | 1,364 |
| Net operating income to assets | 1.1519% | 1,687 |
| Return on assets (ROA) | 1.1519% | 1,792 |
| Pretax return on assets | 1.6142% | 1,016 |
| Return on Equity (ROE) | 7.2775% | 2,841 |
| Retained earnings to average equity (ytd only) | 7.2775% | 1,451 |
| Net charge-offs to loans | 0.0287% | 1,803 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 665 |
| Efficiency ratio | 51.1029% | 4,606 |
| Assets per employee ($millions) | 8.1182% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 1,220 |
| Loan loss allowance to noncurrent loans | 60.8821% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 2.1187% | 366 |
| Noncurrent loans to loans | 2.5310% | 471 |
| Net loans and leases to total assets | 76.8904% | 1,154 |
| Net loans and leases to deposits | 96.8295% | 834 |
| Net loans and leases to core deposits | 138.2473% | 183 |
| Total domestic deposits to total assets | 79.4080% | 3,973 |
| Equity capital to assets | 15.9727% | 586 |
| Core capital (leverage) ratio | 17.3701% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0616% | 739 |
| Memoranda: | ||
| Average total assets | $105,563,500 | 3,909 |
| Average earning assets | $96,689,000 | 3,914 |
| Average equity | $16,709,000 | 3,499 |
| Average total loans | $83,483,000 | 3,527 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0615% | 1,307 |
| Cost of funding earning assets | 1.3243% | 720 |
| Net interest margin | 3.7372% | 2,705 |
| Noninterest income to average assets | 0.5728% | 2,355 |
| Noninterest expense to average assets | 2.1594% | 4,245 |
| Loan and lease loss provision to assets | 0.5329% | 236 |
| Net operating income to assets | 1.0080% | 2,821 |
| Return on assets (ROA) | 1.1251% | 2,449 |
| Pretax return on assets | 1.5413% | 1,680 |
| Return on Equity (ROE) | 7.6557% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.6557% | 1,095 |
| Net charge-offs to loans | 0.4960% | 376 |
| Credit loss provision to net charge-offs | 138.2212% | 1,864 |
| Earnings coverage of net charge-offs (x) | 4.9952% | 3,146 |
| Efficiency ratio | 48.7296% | 4,796 |
| Assets per employee ($millions) | 7.5422% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 1,399 |
| Loan loss allowance to noncurrent loans | 55.7798% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 2.2066% | 334 |
| Noncurrent loans to loans | 2.5784% | 410 |
| Net loans and leases to total assets | 78.9206% | 947 |
| Net loans and leases to deposits | 98.8916% | 683 |
| Net loans and leases to core deposits | 132.7402% | 243 |
| Total domestic deposits to total assets | 79.8051% | 4,015 |
| Equity capital to assets | 15.6841% | 658 |
| Core capital (leverage) ratio | 14.8297% | 722 |
| Tier 1 risk-based capital ratio | 19.2137% | 1,476 |
| Total risk-based capital ratio | 20.4667% | 1,438 |
| Memoranda: | ||
| Average total assets | $107,898,600 | 3,862 |
| Average earning assets | $101,412,000 | 3,846 |
| Average equity | $15,857,400 | 3,556 |
| Average total loans | $83,867,800 | 3,529 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8508% | 1,966 |
| Cost of funding earning assets | 1.3012% | 779 |
| Net interest margin | 3.5496% | 3,405 |
| Noninterest income to average assets | 0.5644% | 2,387 |
| Noninterest expense to average assets | 2.0765% | 4,400 |
| Loan and lease loss provision to assets | 0.6408% | 172 |
| Net operating income to assets | 0.8696% | 3,455 |
| Return on assets (ROA) | 1.0253% | 2,963 |
| Pretax return on assets | 1.4061% | 2,288 |
| Return on Equity (ROE) | 7.0740% | 3,649 |
| Retained earnings to average equity (ytd only) | 7.0740% | 1,830 |
| Net charge-offs to loans | 0.3616% | 469 |
| Credit loss provision to net charge-offs | 229.0749% | 1,174 |
| Earnings coverage of net charge-offs (x) | 6.6123% | 2,820 |
| Efficiency ratio | 48.5876% | 4,818 |
| Assets per employee ($millions) | 7.8391% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 935 |
| Loan loss allowance to noncurrent loans | 39.7995% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 3.2274% | 163 |
| Noncurrent loans to loans | 4.1097% | 164 |
| Net loans and leases to total assets | 73.9758% | 1,825 |
| Net loans and leases to deposits | 95.9000% | 1,025 |
| Net loans and leases to core deposits | 138.5893% | 200 |
| Total domestic deposits to total assets | 77.1385% | 4,499 |
| Equity capital to assets | 14.7702% | 912 |
| Core capital (leverage) ratio | 14.1562% | 946 |
| Tier 1 risk-based capital ratio | 16.5608% | 2,245 |
| Total risk-based capital ratio | 17.8131% | 2,174 |
| Memoranda: | ||
| Average total assets | $108,190,750 | 3,896 |
| Average earning assets | $102,468,750 | 3,866 |
| Average equity | $15,681,500 | 3,612 |
| Average total loans | $83,697,500 | 3,567 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 1,988 |
| Cost of funding earning assets | 1.2793% | 790 |
| Net interest margin | 3.5440% | 3,453 |
| Noninterest income to average assets | 0.5257% | 2,536 |
| Noninterest expense to average assets | 2.0971% | 4,423 |
| Loan and lease loss provision to assets | 0.8080% | 123 |
| Net operating income to assets | 0.7293% | 3,897 |
| Return on assets (ROA) | 0.9640% | 3,122 |
| Pretax return on assets | 1.2780% | 2,640 |
| Return on Equity (ROE) | 6.6945% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.6945% | 1,957 |
| Net charge-offs to loans | 0.2141% | 776 |
| Credit loss provision to net charge-offs | 483.3333% | 620 |
| Earnings coverage of net charge-offs (x) | 10.7000% | 2,244 |
| Efficiency ratio | 49.6176% | 4,802 |
| Assets per employee ($millions) | 7.6911% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 870 |
| Loan loss allowance to noncurrent loans | 48.4451% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 2.8270% | 231 |
| Noncurrent loans to loans | 3.4495% | 246 |
| Net loans and leases to total assets | 76.6132% | 1,454 |
| Net loans and leases to deposits | 98.9659% | 751 |
| Net loans and leases to core deposits | 144.5792% | 160 |
| Total domestic deposits to total assets | 77.4137% | 4,502 |
| Equity capital to assets | 14.7136% | 886 |
| Core capital (leverage) ratio | 13.9611% | 974 |
| Tier 1 risk-based capital ratio | 16.3459% | 2,288 |
| Total risk-based capital ratio | 17.6011% | 2,228 |
| Memoranda: | ||
| Average total assets | $107,671,670 | 3,930 |
| Average earning assets | $102,086,670 | 3,897 |
| Average equity | $15,505,330 | 3,635 |
| Average total loans | $84,084,330 | 3,583 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 1,887 |
| Cost of funding earning assets | 1.2568% | 752 |
| Net interest margin | 3.5471% | 3,439 |
| Noninterest income to average assets | 0.6873% | 1,657 |
| Noninterest expense to average assets | 2.1547% | 4,364 |
| Loan and lease loss provision to assets | 0.9473% | 90 |
| Net operating income to assets | 0.7332% | 3,828 |
| Return on assets (ROA) | 0.7802% | 3,734 |
| Pretax return on assets | 1.0105% | 3,408 |
| Return on Equity (ROE) | 5.4771% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.4771% | 2,701 |
| Net charge-offs to loans | 0.3992% | 391 |
| Credit loss provision to net charge-offs | 303.5714% | 815 |
| Earnings coverage of net charge-offs (x) | 6.0833% | 2,219 |
| Efficiency ratio | 48.9459% | 4,899 |
| Assets per employee ($millions) | 7.6615% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,429 |
| Loan loss allowance to noncurrent loans | 40.4080% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 3.0281% | 208 |
| Noncurrent loans to loans | 3.6415% | 239 |
| Net loans and leases to total assets | 76.6607% | 1,372 |
| Net loans and leases to deposits | 98.6503% | 730 |
| Net loans and leases to core deposits | 133.6546% | 259 |
| Total domestic deposits to total assets | 77.7095% | 4,563 |
| Equity capital to assets | 14.4330% | 900 |
| Core capital (leverage) ratio | 13.5770% | 1,068 |
| Tier 1 risk-based capital ratio | 18.5123% | 1,661 |
| Total risk-based capital ratio | 19.7660% | 1,610 |
| Memoranda: | ||
| Average total assets | $107,669,500 | 3,971 |
| Average earning assets | $102,168,000 | 3,938 |
| Average equity | $15,336,500 | 3,664 |
| Average total loans | $84,178,500 | 3,607 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 1,415 |
| Cost of funding earning assets | 1.2048% | 336 |
| Net interest margin | 3.6483% | 3,232 |
| Noninterest income to average assets | 0.6807% | 1,929 |
| Noninterest expense to average assets | 2.2887% | 4,151 |
| Loan and lease loss provision to assets | 0.3201% | 500 |
| Net operating income to assets | 1.1094% | 2,556 |
| Return on assets (ROA) | 1.1094% | 2,557 |
| Pretax return on assets | 1.5372% | 1,663 |
| Return on Equity (ROE) | 8.1918% | 3,358 |
| Retained earnings to average equity (ytd only) | 5.1352% | 2,697 |
| Net charge-offs to loans | 0.4108% | 447 |
| Credit loss provision to net charge-offs | 100.2882% | 2,504 |
| Earnings coverage of net charge-offs (x) | 5.8184% | 3,148 |
| Efficiency ratio | 51.1649% | 4,864 |
| Assets per employee ($millions) | 6.3575% | 1,291 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 2,325 |
| Loan loss allowance to noncurrent loans | 38.3249% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.7452% | 256 |
| Noncurrent loans to loans | 3.2485% | 293 |
| Net loans and leases to total assets | 77.5782% | 1,342 |
| Net loans and leases to deposits | 99.2754% | 797 |
| Net loans and leases to core deposits | 133.8522% | 264 |
| Total domestic deposits to total assets | 78.1445% | 4,466 |
| Equity capital to assets | 14.0565% | 953 |
| Core capital (leverage) ratio | 13.3548% | 1,128 |
| Tier 1 risk-based capital ratio | 17.9500% | 1,770 |
| Total risk-based capital ratio | 19.1994% | 1,730 |
| Memoranda: | ||
| Average total assets | $108,707,000 | 3,959 |
| Average earning assets | $103,254,000 | 3,928 |
| Average equity | $14,722,000 | 3,669 |
| Average total loans | $84,463,800 | 3,585 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 1,442 |
| Cost of funding earning assets | 1.1704% | 294 |
| Net interest margin | 3.6247% | 3,288 |
| Noninterest income to average assets | 0.5987% | 2,316 |
| Noninterest expense to average assets | 2.2283% | 4,258 |
| Loan and lease loss provision to assets | 0.4261% | 295 |
| Net operating income to assets | 1.0591% | 2,828 |
| Return on assets (ROA) | 1.0591% | 2,839 |
| Pretax return on assets | 1.3872% | 2,276 |
| Return on Equity (ROE) | 7.8756% | 3,596 |
| Retained earnings to average equity (ytd only) | 3.7785% | 3,888 |
| Net charge-offs to loans | 0.5465% | 274 |
| Credit loss provision to net charge-offs | 100.5780% | 2,243 |
| Earnings coverage of net charge-offs (x) | 4.2804% | 3,080 |
| Efficiency ratio | 50.9846% | 4,879 |
| Assets per employee ($millions) | 6.7105% | 1,080 |
| Cash dividends to net income (ytd only)* | 52.0238% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,507 |
| Loan loss allowance to noncurrent loans | 38.5428% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.7513% | 292 |
| Noncurrent loans to loans | 3.1655% | 330 |
| Net loans and leases to total assets | 79.7798% | 1,055 |
| Net loans and leases to deposits | 98.2677% | 933 |
| Net loans and leases to core deposits | 131.7511% | 301 |
| Total domestic deposits to total assets | 81.1862% | 3,818 |
| Equity capital to assets | 13.7145% | 1,052 |
| Core capital (leverage) ratio | 12.9729% | 1,292 |
| Tier 1 risk-based capital ratio | 17.1710% | 2,033 |
| Total risk-based capital ratio | 18.4214% | 1,982 |
| Memoranda: | ||
| Average total assets | $108,898,000 | 4,003 |
| Average earning assets | $103,436,500 | 3,963 |
| Average equity | $14,644,000 | 3,707 |
| Average total loans | $84,408,250 | 3,616 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 1,181 |
| Cost of funding earning assets | 1.1243% | 261 |
| Net interest margin | 3.7039% | 2,909 |
| Noninterest income to average assets | 0.6234% | 2,214 |
| Noninterest expense to average assets | 2.2613% | 4,232 |
| Loan and lease loss provision to assets | 0.1371% | 1,430 |
| Net operating income to assets | 1.3235% | 1,688 |
| Return on assets (ROA) | 1.3235% | 1,687 |
| Pretax return on assets | 1.7421% | 1,114 |
| Return on Equity (ROE) | 9.9063% | 2,608 |
| Retained earnings to average equity (ytd only) | 5.8015% | 2,664 |
| Net charge-offs to loans | 0.2917% | 548 |
| Credit loss provision to net charge-offs | 61.4754% | 2,418 |
| Earnings coverage of net charge-offs (x) | 8.4262% | 2,475 |
| Efficiency ratio | 50.5960% | 4,991 |
| Assets per employee ($millions) | 6.4230% | 1,206 |
| Cash dividends to net income (ytd only)* | 41.4365% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,736 |
| Loan loss allowance to noncurrent loans | 77.1407% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.3893% | 1,002 |
| Noncurrent loans to loans | 1.5523% | 1,064 |
| Net loans and leases to total assets | 76.2444% | 1,596 |
| Net loans and leases to deposits | 93.5731% | 1,408 |
| Net loans and leases to core deposits | 124.9805% | 434 |
| Total domestic deposits to total assets | 81.4811% | 3,874 |
| Equity capital to assets | 13.5359% | 1,091 |
| Core capital (leverage) ratio | 12.9719% | 1,227 |
| Tier 1 risk-based capital ratio | 16.1768% | 2,379 |
| Total risk-based capital ratio | 17.3551% | 2,335 |
| Memoranda: | ||
| Average total assets | $109,408,000 | 4,028 |
| Average earning assets | $103,890,000 | 3,989 |
| Average equity | $14,617,000 | 3,729 |
| Average total loans | $83,639,000 | 3,646 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7086% | 1,286 |
| Cost of funding earning assets | 1.1127% | 217 |
| Net interest margin | 3.5960% | 3,199 |
| Noninterest income to average assets | 0.5953% | 2,284 |
| Noninterest expense to average assets | 2.2755% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3331% | 1,530 |
| Return on assets (ROA) | 1.3331% | 1,543 |
| Pretax return on assets | 1.7312% | 1,037 |
| Return on Equity (ROE) | 10.0444% | 2,400 |
| Retained earnings to average equity (ytd only) | 5.9165% | 2,749 |
| Net charge-offs to loans | 0.2400% | 637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.4800% | 1,963 |
| Efficiency ratio | 52.5980% | 4,921 |
| Assets per employee ($millions) | 5.9291% | 1,575 |
| Cash dividends to net income (ytd only)* | 41.0959% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,650 |
| Loan loss allowance to noncurrent loans | 60.1675% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.9387% | 603 |
| Noncurrent loans to loans | 2.0390% | 772 |
| Net loans and leases to total assets | 75.8927% | 1,556 |
| Net loans and leases to deposits | 93.3714% | 1,294 |
| Net loans and leases to core deposits | 119.1453% | 608 |
| Total domestic deposits to total assets | 81.2805% | 4,139 |
| Equity capital to assets | 13.6484% | 997 |
| Core capital (leverage) ratio | 12.4379% | 1,420 |
| Tier 1 risk-based capital ratio | 15.8830% | 2,525 |
| Total risk-based capital ratio | 17.0524% | 2,503 |
| Memoranda: | ||
| Average total assets | $109,516,500 | 4,076 |
| Average earning assets | $103,894,000 | 4,033 |
| Average equity | $14,535,500 | 3,769 |
| Average total loans | $83,328,000 | 3,682 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1061% | 524 |
| Cost of funding earning assets | 1.0417% | 175 |
| Net interest margin | 4.0644% | 1,547 |
| Noninterest income to average assets | 0.8739% | 1,346 |
| Noninterest expense to average assets | 2.3769% | 4,138 |
| Loan and lease loss provision to assets | 0.3978% | 374 |
| Net operating income to assets | 1.2281% | 1,433 |
| Return on assets (ROA) | 1.2281% | 1,451 |
| Pretax return on assets | 1.9636% | 531 |
| Return on Equity (ROE) | 9.5349% | 2,089 |
| Retained earnings to average equity (ytd only) | 5.2940% | 1,939 |
| Net charge-offs to loans | 0.3051% | 844 |
| Credit loss provision to net charge-offs | 166.7939% | 1,606 |
| Earnings coverage of net charge-offs (x) | 9.9008% | 2,734 |
| Efficiency ratio | 46.6667% | 5,372 |
| Assets per employee ($millions) | 6.2394% | 1,358 |
| Cash dividends to net income (ytd only)* | 44.4774% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,489 |
| Loan loss allowance to noncurrent loans | 58.5042% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.0105% | 557 |
| Noncurrent loans to loans | 2.1322% | 700 |
| Net loans and leases to total assets | 74.4359% | 1,850 |
| Net loans and leases to deposits | 93.5196% | 1,329 |
| Net loans and leases to core deposits | 118.6660% | 627 |
| Total domestic deposits to total assets | 79.5940% | 4,417 |
| Equity capital to assets | 12.9151% | 1,306 |
| Core capital (leverage) ratio | 12.1025% | 1,552 |
| Tier 1 risk-based capital ratio | 12.4879% | 4,212 |
| Total risk-based capital ratio | 13.4634% | 4,282 |
| Memoranda: | ||
| Average total assets | $109,847,200 | 4,063 |
| Average earning assets | $104,443,800 | 4,015 |
| Average equity | $14,148,000 | 3,825 |
| Average total loans | $85,883,000 | 3,616 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2371% | 392 |
| Cost of funding earning assets | 1.0176% | 182 |
| Net interest margin | 4.2194% | 1,110 |
| Noninterest income to average assets | 0.6372% | 2,267 |
| Noninterest expense to average assets | 2.2105% | 4,502 |
| Loan and lease loss provision to assets | 0.5334% | 209 |
| Net operating income to assets | 1.2243% | 1,596 |
| Return on assets (ROA) | 1.2243% | 1,627 |
| Pretax return on assets | 1.9066% | 677 |
| Return on Equity (ROE) | 9.5122% | 2,345 |
| Retained earnings to average equity (ytd only) | 5.9558% | 2,265 |
| Net charge-offs to loans | 0.4053% | 521 |
| Credit loss provision to net charge-offs | 166.7939% | 1,552 |
| Earnings coverage of net charge-offs (x) | 7.6299% | 2,854 |
| Efficiency ratio | 43.9370% | 5,482 |
| Assets per employee ($millions) | 6.2331% | 1,355 |
| Cash dividends to net income (ytd only)* | 37.3880% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,720 |
| Loan loss allowance to noncurrent loans | 53.3873% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 2.0420% | 623 |
| Noncurrent loans to loans | 2.3146% | 686 |
| Net loans and leases to total assets | 75.2288% | 1,720 |
| Net loans and leases to deposits | 94.3778% | 1,257 |
| Net loans and leases to core deposits | 120.3900% | 578 |
| Total domestic deposits to total assets | 79.7103% | 4,390 |
| Equity capital to assets | 12.8321% | 1,479 |
| Core capital (leverage) ratio | 12.4783% | 1,420 |
| Tier 1 risk-based capital ratio | 12.8751% | 4,098 |
| Total risk-based capital ratio | 13.8913% | 4,135 |
| Memoranda: | ||
| Average total assets | $109,231,500 | 4,115 |
| Average earning assets | $103,897,750 | 4,066 |
| Average equity | $14,058,750 | 3,877 |
| Average total loans | $86,190,000 | 3,631 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5607% | 226 |
| Cost of funding earning assets | 1.0029% | 174 |
| Net interest margin | 4.5578% | 508 |
| Noninterest income to average assets | 0.6375% | 2,271 |
| Noninterest expense to average assets | 2.3133% | 4,309 |
| Loan and lease loss provision to assets | 0.7612% | 137 |
| Net operating income to assets | 1.2269% | 1,510 |
| Return on assets (ROA) | 1.2269% | 1,545 |
| Pretax return on assets | 1.8957% | 660 |
| Return on Equity (ROE) | 9.5224% | 2,256 |
| Retained earnings to average equity (ytd only) | 5.9372% | 2,157 |
| Net charge-offs to loans | -0.0046% | 4,324 |
| Credit loss provision to net charge-offs | -20,600.0000% | 5,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1599% | 5,544 |
| Assets per employee ($millions) | 5.9854% | 1,473 |
| Cash dividends to net income (ytd only)* | 37.6506% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 1,560 |
| Loan loss allowance to noncurrent loans | 57.1996% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 2.3966% | 471 |
| Noncurrent loans to loans | 2.6299% | 543 |
| Net loans and leases to total assets | 78.7028% | 1,134 |
| Net loans and leases to deposits | 99.4558% | 777 |
| Net loans and leases to core deposits | 121.1245% | 510 |
| Total domestic deposits to total assets | 79.1334% | 4,595 |
| Equity capital to assets | 13.1608% | 1,299 |
| Core capital (leverage) ratio | 12.1999% | 1,536 |
| Tier 1 risk-based capital ratio | 13.1938% | 3,886 |
| Total risk-based capital ratio | 14.4447% | 3,783 |
| Memoranda: | ||
| Average total assets | $108,243,670 | 4,162 |
| Average earning assets | $102,900,330 | 4,119 |
| Average equity | $13,946,000 | 3,895 |
| Average total loans | $86,433,670 | 3,645 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3697% | 287 |
| Cost of funding earning assets | 0.9894% | 173 |
| Net interest margin | 4.3803% | 658 |
| Noninterest income to average assets | 0.6194% | 2,325 |
| Noninterest expense to average assets | 2.3079% | 4,388 |
| Loan and lease loss provision to assets | 0.2802% | 508 |
| Net operating income to assets | 1.2830% | 1,285 |
| Return on assets (ROA) | 1.2830% | 1,319 |
| Pretax return on assets | 2.1936% | 360 |
| Return on Equity (ROE) | 10.0654% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.0654% | 795 |
| Net charge-offs to loans | 0.0092% | 2,649 |
| Credit loss provision to net charge-offs | 3,800.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 335.5000% | 180 |
| Efficiency ratio | 44.7186% | 5,573 |
| Assets per employee ($millions) | 6.0438% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 3,686 |
| Loan loss allowance to noncurrent loans | 50.1839% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 2.0986% | 613 |
| Noncurrent loans to loans | 2.2034% | 769 |
| Net loans and leases to total assets | 78.5098% | 1,056 |
| Net loans and leases to deposits | 98.9011% | 694 |
| Net loans and leases to core deposits | 122.0614% | 412 |
| Total domestic deposits to total assets | 79.3821% | 4,746 |
| Equity capital to assets | 12.8984% | 1,302 |
| Core capital (leverage) ratio | 12.0550% | 1,591 |
| Tier 1 risk-based capital ratio | 12.5498% | 4,360 |
| Total risk-based capital ratio | 13.4708% | 4,465 |
| Memoranda: | ||
| Average total assets | $108,497,000 | 4,199 |
| Average earning assets | $103,097,000 | 4,154 |
| Average equity | $13,829,500 | 3,943 |
| Average total loans | $86,607,000 | 3,670 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 962 |
| Cost of funding earning assets | 1.0234% | 149 |
| Net interest margin | 3.7282% | 2,583 |
| Noninterest income to average assets | 0.8589% | 1,541 |
| Noninterest expense to average assets | 2.4598% | 4,129 |
| Loan and lease loss provision to assets | 0.6224% | 208 |
| Net operating income to assets | 0.8808% | 2,927 |
| Return on assets (ROA) | 0.8514% | 3,172 |
| Pretax return on assets | 1.2701% | 2,399 |
| Return on Equity (ROE) | 6.7687% | 3,604 |
| Retained earnings to average equity (ytd only) | 6.7687% | 1,322 |
| Net charge-offs to loans | 0.7961% | 253 |
| Credit loss provision to net charge-offs | 98.9599% | 2,630 |
| Earnings coverage of net charge-offs (x) | 3.0788% | 3,724 |
| Efficiency ratio | 52.0833% | 5,381 |
| Assets per employee ($millions) | 6.0158% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 4,686 |
| Loan loss allowance to noncurrent loans | 26.1252% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 3.1999% | 291 |
| Noncurrent loans to loans | 3.5303% | 337 |
| Net loans and leases to total assets | 79.4644% | 968 |
| Net loans and leases to deposits | 99.5442% | 696 |
| Net loans and leases to core deposits | 123.4460% | 395 |
| Total domestic deposits to total assets | 79.8282% | 4,606 |
| Equity capital to assets | 12.6536% | 1,426 |
| Core capital (leverage) ratio | 11.8780% | 1,682 |
| Tier 1 risk-based capital ratio | 15.2340% | 2,870 |
| Total risk-based capital ratio | 16.1781% | 2,939 |
| Memoranda: | ||
| Average total assets | $106,998,600 | 4,224 |
| Average earning assets | $101,524,000 | 4,178 |
| Average equity | $13,459,000 | 4,033 |
| Average total loans | $84,537,600 | 3,696 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 931 |
| Cost of funding earning assets | 1.0305% | 143 |
| Net interest margin | 3.7532% | 2,509 |
| Noninterest income to average assets | 0.8661% | 1,527 |
| Noninterest expense to average assets | 2.3735% | 4,345 |
| Loan and lease loss provision to assets | 0.3012% | 558 |
| Net operating income to assets | 1.1436% | 1,836 |
| Return on assets (ROA) | 1.1436% | 1,939 |
| Pretax return on assets | 1.7510% | 999 |
| Return on Equity (ROE) | 9.1054% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.1054% | 792 |
| Net charge-offs to loans | 0.0111% | 3,544 |
| Credit loss provision to net charge-offs | 3,442.8571% | 150 |
| Earnings coverage of net charge-offs (x) | 234.6495% | 334 |
| Efficiency ratio | 49.7600% | 5,521 |
| Assets per employee ($millions) | 6.3755% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 3,239 |
| Loan loss allowance to noncurrent loans | 24.6511% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 4.2682% | 186 |
| Noncurrent loans to loans | 4.8667% | 179 |
| Net loans and leases to total assets | 79.1757% | 1,016 |
| Net loans and leases to deposits | 98.7673% | 795 |
| Net loans and leases to core deposits | 122.2268% | 451 |
| Total domestic deposits to total assets | 80.1639% | 4,478 |
| Equity capital to assets | 12.8304% | 1,577 |
| Core capital (leverage) ratio | 11.9808% | 1,692 |
| Tier 1 risk-based capital ratio | 14.8436% | 3,126 |
| Total risk-based capital ratio | 16.0405% | 3,089 |
| Memoranda: | ||
| Average total assets | $106,677,000 | 4,267 |
| Average earning assets | $101,173,250 | 4,213 |
| Average equity | $13,398,250 | 4,071 |
| Average total loans | $83,959,750 | 3,729 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 627 |
| Cost of funding earning assets | 1.0356% | 134 |
| Net interest margin | 3.9336% | 1,871 |
| Noninterest income to average assets | 0.7219% | 2,040 |
| Noninterest expense to average assets | 2.5917% | 3,749 |
| Loan and lease loss provision to assets | 0.0358% | 3,440 |
| Net operating income to assets | 1.2025% | 1,588 |
| Return on assets (ROA) | 1.2025% | 1,683 |
| Pretax return on assets | 1.8246% | 838 |
| Return on Equity (ROE) | 9.6455% | 2,205 |
| Retained earnings to average equity (ytd only) | 9.6455% | 671 |
| Net charge-offs to loans | -0.0048% | 4,515 |
| Credit loss provision to net charge-offs | -950.0000% | 5,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3607% | 5,281 |
| Assets per employee ($millions) | 5.8743% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 4,592 |
| Loan loss allowance to noncurrent loans | 54.1123% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 1.8262% | 937 |
| Noncurrent loans to loans | 1.8202% | 1,131 |
| Net loans and leases to total assets | 78.8146% | 1,096 |
| Net loans and leases to deposits | 98.5560% | 830 |
| Net loans and leases to core deposits | 116.2934% | 630 |
| Total domestic deposits to total assets | 79.9694% | 4,555 |
| Equity capital to assets | 12.9225% | 1,549 |
| Core capital (leverage) ratio | 12.0454% | 1,600 |
| Tier 1 risk-based capital ratio | 13.8146% | 3,715 |
| Total risk-based capital ratio | 14.7192% | 3,835 |
| Memoranda: | ||
| Average total assets | $106,108,330 | 4,308 |
| Average earning assets | $100,620,000 | 4,253 |
| Average equity | $13,229,000 | 4,119 |
| Average total loans | $82,994,670 | 3,780 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 874 |
| Cost of funding earning assets | 1.0555% | 119 |
| Net interest margin | 3.7338% | 2,541 |
| Noninterest income to average assets | 0.7301% | 1,902 |
| Noninterest expense to average assets | 2.2316% | 4,829 |
| Loan and lease loss provision to assets | 0.2258% | 827 |
| Net operating income to assets | 1.1816% | 1,613 |
| Return on assets (ROA) | 1.1816% | 1,712 |
| Pretax return on assets | 1.8138% | 828 |
| Return on Equity (ROE) | 9.6530% | 2,132 |
| Retained earnings to average equity (ytd only) | 9.6530% | 937 |
| Net charge-offs to loans | -0.0049% | 4,282 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1938% | 5,717 |
| Assets per employee ($millions) | 6.2536% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 4,341 |
| Loan loss allowance to noncurrent loans | 29.0733% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 3.2348% | 374 |
| Noncurrent loans to loans | 3.6061% | 373 |
| Net loans and leases to total assets | 77.1493% | 1,229 |
| Net loans and leases to deposits | 95.7014% | 969 |
| Net loans and leases to core deposits | 114.0103% | 670 |
| Total domestic deposits to total assets | 80.6146% | 4,601 |
| Equity capital to assets | 12.4022% | 1,747 |
| Core capital (leverage) ratio | 11.6399% | 1,877 |
| Tier 1 risk-based capital ratio | 14.3449% | 3,470 |
| Total risk-based capital ratio | 15.3655% | 3,539 |
| Memoranda: | ||
| Average total assets | $106,293,500 | 4,337 |
| Average earning assets | $100,807,500 | 4,277 |
| Average equity | $13,011,500 | 4,164 |
| Average total loans | $82,409,000 | 3,795 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2146% | 419 |
| Cost of funding earning assets | 1.0723% | 115 |
| Net interest margin | 4.1423% | 1,300 |
| Noninterest income to average assets | 0.6981% | 2,211 |
| Noninterest expense to average assets | 2.1400% | 5,170 |
| Loan and lease loss provision to assets | 0.3302% | 481 |
| Net operating income to assets | 1.3765% | 1,082 |
| Return on assets (ROA) | 1.3713% | 1,144 |
| Pretax return on assets | 2.1192% | 408 |
| Return on Equity (ROE) | 10.5981% | 1,756 |
| Retained earnings to average equity (ytd only) | 2.9896% | 3,935 |
| Net charge-offs to loans | 0.0026% | 4,380 |
| Credit loss provision to net charge-offs | 16,600.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 1,235.5000% | 42 |
| Efficiency ratio | 42.6130% | 6,013 |
| Assets per employee ($millions) | 6.6676% | 1,017 |
| Cash dividends to net income (ytd only)* | 71.7912% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6798% | 5,669 |
| Loan loss allowance to noncurrent loans | 35.7739% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 1.7754% | 1,073 |
| Noncurrent loans to loans | 1.9004% | 1,129 |
| Net loans and leases to total assets | 76.2762% | 1,370 |
| Net loans and leases to deposits | 92.4137% | 1,355 |
| Net loans and leases to core deposits | 110.0066% | 854 |
| Total domestic deposits to total assets | 82.5378% | 4,006 |
| Equity capital to assets | 12.2626% | 1,768 |
| Core capital (leverage) ratio | 11.9575% | 1,643 |
| Tier 1 risk-based capital ratio | 14.0008% | 3,714 |
| Total risk-based capital ratio | 14.6302% | 4,006 |
| Memoranda: | ||
| Average total assets | $100,558,400 | 4,452 |
| Average earning assets | $94,656,600 | 4,420 |
| Average equity | $13,011,800 | 4,142 |
| Average total loans | $76,097,800 | 3,935 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2803% | 383 |
| Cost of funding earning assets | 1.0759% | 117 |
| Net interest margin | 4.2045% | 1,153 |
| Noninterest income to average assets | 0.6436% | 2,510 |
| Noninterest expense to average assets | 2.1179% | 5,238 |
| Loan and lease loss provision to assets | 0.2989% | 493 |
| Net operating income to assets | 1.3902% | 1,130 |
| Return on assets (ROA) | 1.3868% | 1,192 |
| Pretax return on assets | 2.1677% | 446 |
| Return on Equity (ROE) | 10.5685% | 1,872 |
| Retained earnings to average equity (ytd only) | 4.4121% | 3,328 |
| Net charge-offs to loans | -0.0107% | 5,006 |
| Credit loss provision to net charge-offs | -3,700.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1238% | 6,086 |
| Assets per employee ($millions) | 5.9858% | 1,384 |
| Cash dividends to net income (ytd only)* | 58.2524% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5859% | 5,920 |
| Loan loss allowance to noncurrent loans | 49.0302% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 1.1095% | 2,136 |
| Noncurrent loans to loans | 1.1949% | 2,138 |
| Net loans and leases to total assets | 75.8724% | 1,404 |
| Net loans and leases to deposits | 89.7631% | 1,685 |
| Net loans and leases to core deposits | 109.7532% | 889 |
| Total domestic deposits to total assets | 84.5252% | 3,208 |
| Equity capital to assets | 12.8116% | 1,555 |
| Core capital (leverage) ratio | 12.4051% | 1,461 |
| Tier 1 risk-based capital ratio | 16.6074% | 2,521 |
| Total risk-based capital ratio | 17.2132% | 2,756 |
| Memoranda: | ||
| Average total assets | $99,027,500 | 4,530 |
| Average earning assets | $92,946,250 | 4,501 |
| Average equity | $12,994,250 | 4,185 |
| Average total loans | $74,639,750 | 4,022 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2810% | 371 |
| Cost of funding earning assets | 1.0545% | 127 |
| Net interest margin | 4.2265% | 1,054 |
| Noninterest income to average assets | 0.6523% | 2,465 |
| Noninterest expense to average assets | 2.1403% | 5,250 |
| Loan and lease loss provision to assets | 0.3098% | 480 |
| Net operating income to assets | 1.3868% | 1,120 |
| Return on assets (ROA) | 1.3881% | 1,155 |
| Pretax return on assets | 2.1668% | 441 |
| Return on Equity (ROE) | 10.4931% | 1,854 |
| Retained earnings to average equity (ytd only) | 10.4931% | 583 |
| Net charge-offs to loans | -0.0081% | 4,872 |
| Credit loss provision to net charge-offs | -5,066.6667% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3587% | 6,163 |
| Assets per employee ($millions) | 5.8662% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5041% | 6,085 |
| Loan loss allowance to noncurrent loans | 43.9080% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1351% | 2,243 |
| Noncurrent loans to loans | 1.1480% | 2,355 |
| Net loans and leases to total assets | 75.6099% | 1,419 |
| Net loans and leases to deposits | 90.0290% | 1,595 |
| Net loans and leases to core deposits | 111.1386% | 777 |
| Total domestic deposits to total assets | 83.9840% | 3,566 |
| Equity capital to assets | 13.2474% | 1,282 |
| Core capital (leverage) ratio | 12.9318% | 1,192 |
| Tier 1 risk-based capital ratio | 16.8828% | 2,452 |
| Total risk-based capital ratio | 17.3918% | 2,736 |
| Memoranda: | ||
| Average total assets | $98,117,000 | 4,590 |
| Average earning assets | $91,991,000 | 4,559 |
| Average equity | $12,980,000 | 4,217 |
| Average total loans | $73,632,330 | 4,069 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2350% | 390 |
| Cost of funding earning assets | 1.0584% | 128 |
| Net interest margin | 4.1766% | 1,114 |
| Noninterest income to average assets | 0.6823% | 2,243 |
| Noninterest expense to average assets | 2.1744% | 5,214 |
| Loan and lease loss provision to assets | 0.2096% | 856 |
| Net operating income to assets | 1.5620% | 762 |
| Return on assets (ROA) | 1.5620% | 802 |
| Pretax return on assets | 2.2073% | 380 |
| Return on Equity (ROE) | 11.8155% | 1,393 |
| Retained earnings to average equity (ytd only) | 11.8155% | 591 |
| Net charge-offs to loans | -0.0055% | 4,521 |
| Credit loss provision to net charge-offs | -5,100.0000% | 5,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2408% | 6,205 |
| Assets per employee ($millions) | 5.6874% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3829% | 6,248 |
| Loan loss allowance to noncurrent loans | 19.6479% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 1.7397% | 1,425 |
| Noncurrent loans to loans | 1.9488% | 1,367 |
| Net loans and leases to total assets | 75.0747% | 1,338 |
| Net loans and leases to deposits | 88.5195% | 1,555 |
| Net loans and leases to core deposits | 109.6647% | 758 |
| Total domestic deposits to total assets | 84.8115% | 3,498 |
| Equity capital to assets | 13.4995% | 1,171 |
| Core capital (leverage) ratio | 12.7050% | 1,273 |
| Tier 1 risk-based capital ratio | 14.5697% | 3,687 |
| Total risk-based capital ratio | 14.8989% | 4,160 |
| Memoranda: | ||
| Average total assets | $97,313,000 | 4,642 |
| Average earning assets | $91,078,500 | 4,615 |
| Average equity | $12,864,500 | 4,262 |
| Average total loans | $72,556,500 | 4,114 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 903 |
| Cost of funding earning assets | 1.0742% | 156 |
| Net interest margin | 3.8395% | 2,469 |
| Noninterest income to average assets | 0.6408% | 2,614 |
| Noninterest expense to average assets | 2.2142% | 5,316 |
| Loan and lease loss provision to assets | 0.2255% | 1,084 |
| Net operating income to assets | 1.1191% | 1,908 |
| Return on assets (ROA) | 1.1245% | 1,941 |
| Pretax return on assets | 1.7842% | 822 |
| Return on Equity (ROE) | 8.8198% | 2,673 |
| Retained earnings to average equity (ytd only) | 8.8198% | 741 |
| Net charge-offs to loans | -0.0193% | 5,692 |
| Credit loss provision to net charge-offs | -1,646.1538% | 5,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3500% | 6,172 |
| Assets per employee ($millions) | 6.1213% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3142% | 6,376 |
| Loan loss allowance to noncurrent loans | 14.1345% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 1.9073% | 1,349 |
| Noncurrent loans to loans | 2.2229% | 1,194 |
| Net loans and leases to total assets | 73.5351% | 1,662 |
| Net loans and leases to deposits | 86.0456% | 1,980 |
| Net loans and leases to core deposits | 105.7453% | 1,030 |
| Total domestic deposits to total assets | 85.4606% | 3,098 |
| Equity capital to assets | 12.9435% | 1,398 |
| Core capital (leverage) ratio | 11.3214% | 2,111 |
| Tier 1 risk-based capital ratio | 14.9777% | 3,496 |
| Total risk-based capital ratio | 15.2881% | 3,991 |
| Memoranda: | ||
| Average total assets | $94,887,600 | 4,729 |
| Average earning assets | $88,345,200 | 4,693 |
| Average equity | $12,097,800 | 4,339 |
| Average total loans | $67,428,800 | 4,250 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8369% | 1,040 |
| Cost of funding earning assets | 1.0686% | 176 |
| Net interest margin | 3.7683% | 2,742 |
| Noninterest income to average assets | 0.6488% | 2,579 |
| Noninterest expense to average assets | 2.1701% | 5,407 |
| Loan and lease loss provision to assets | 0.3031% | 646 |
| Net operating income to assets | 1.0523% | 2,226 |
| Return on assets (ROA) | 1.0596% | 2,266 |
| Pretax return on assets | 1.6885% | 1,089 |
| Return on Equity (ROE) | 8.3436% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.3436% | 1,206 |
| Net charge-offs to loans | -0.0222% | 5,642 |
| Credit loss provision to net charge-offs | -1,945.4545% | 5,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1229% | 6,198 |
| Assets per employee ($millions) | 5.6217% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3282% | 6,455 |
| Loan loss allowance to noncurrent loans | 16.3994% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 1.7098% | 1,758 |
| Noncurrent loans to loans | 2.0010% | 1,585 |
| Net loans and leases to total assets | 71.5085% | 1,935 |
| Net loans and leases to deposits | 83.8219% | 2,180 |
| Net loans and leases to core deposits | 103.3372% | 1,131 |
| Total domestic deposits to total assets | 85.3101% | 3,207 |
| Equity capital to assets | 12.9184% | 1,471 |
| Core capital (leverage) ratio | 11.5098% | 2,057 |
| Tier 1 risk-based capital ratio | 15.1997% | 3,471 |
| Total risk-based capital ratio | 15.5226% | 3,964 |
| Memoranda: | ||
| Average total assets | $94,124,250 | 4,793 |
| Average earning assets | $87,464,250 | 4,759 |
| Average equity | $11,953,000 | 4,395 |
| Average total loans | $66,224,000 | 4,324 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7980% | 1,075 |
| Cost of funding earning assets | 1.0534% | 192 |
| Net interest margin | 3.7446% | 2,781 |
| Noninterest income to average assets | 0.6258% | 2,677 |
| Noninterest expense to average assets | 2.1635% | 5,497 |
| Loan and lease loss provision to assets | 0.2563% | 845 |
| Net operating income to assets | 1.0745% | 2,024 |
| Return on assets (ROA) | 1.0786% | 2,083 |
| Pretax return on assets | 1.6894% | 1,038 |
| Return on Equity (ROE) | 8.5434% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.5434% | 1,131 |
| Net charge-offs to loans | -0.0275% | 5,655 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7767% | 6,241 |
| Assets per employee ($millions) | 5.5475% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1934% | 6,569 |
| Loan loss allowance to noncurrent loans | 9.4229% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 1.6648% | 1,951 |
| Noncurrent loans to loans | 2.0530% | 1,637 |
| Net loans and leases to total assets | 70.5727% | 1,988 |
| Net loans and leases to deposits | 82.5714% | 2,186 |
| Net loans and leases to core deposits | 100.3090% | 1,256 |
| Total domestic deposits to total assets | 85.4687% | 3,299 |
| Equity capital to assets | 12.8167% | 1,480 |
| Core capital (leverage) ratio | 11.2489% | 2,197 |
| Tier 1 risk-based capital ratio | 15.5794% | 3,311 |
| Total risk-based capital ratio | 15.7745% | 3,853 |
| Memoranda: | ||
| Average total assets | $93,642,670 | 4,833 |
| Average earning assets | $86,952,670 | 4,802 |
| Average equity | $11,822,000 | 4,434 |
| Average total loans | $65,443,670 | 4,378 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9579% | 781 |
| Cost of funding earning assets | 1.0352% | 232 |
| Net interest margin | 3.9227% | 2,002 |
| Noninterest income to average assets | 0.5487% | 3,058 |
| Noninterest expense to average assets | 2.1777% | 5,515 |
| Loan and lease loss provision to assets | 0.1286% | 1,885 |
| Net operating income to assets | 1.1370% | 1,676 |
| Return on assets (ROA) | 1.0931% | 1,906 |
| Pretax return on assets | 1.7962% | 803 |
| Return on Equity (ROE) | 8.7258% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.7258% | 1,337 |
| Net charge-offs to loans | -0.0432% | 5,745 |
| Credit loss provision to net charge-offs | -428.5714% | 5,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1264% | 6,307 |
| Assets per employee ($millions) | 5.8154% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0566% | 6,663 |
| Loan loss allowance to noncurrent loans | 2.3522% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 1.9066% | 1,806 |
| Noncurrent loans to loans | 2.4063% | 1,457 |
| Net loans and leases to total assets | 70.2158% | 1,851 |
| Net loans and leases to deposits | 82.1375% | 2,033 |
| Net loans and leases to core deposits | 100.6796% | 1,057 |
| Total domestic deposits to total assets | 85.4857% | 3,620 |
| Equity capital to assets | 12.7002% | 1,456 |
| Core capital (leverage) ratio | 11.0910% | 2,308 |
| Tier 1 risk-based capital ratio | 15.4177% | 3,488 |
| Total risk-based capital ratio | 15.4747% | 4,123 |
| Memoranda: | ||
| Average total assets | $93,310,500 | 4,888 |
| Average earning assets | $86,165,000 | 4,864 |
| Average equity | $11,689,500 | 4,473 |
| Average total loans | $64,823,500 | 4,437 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0439% | 6,807 |
| Cost of funding earning assets | 0.0075% | 6,783 |
| Net interest margin | 0.0363% | 6,805 |
| Noninterest income to average assets | 0.0225% | 6,611 |
| Noninterest expense to average assets | 0.0733% | 6,808 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0166% | 6,230 |
| Return on assets (ROA) | -0.0166% | 6,268 |
| Pretax return on assets | -0.0166% | 6,244 |
| Return on Equity (ROE) | -0.1507% | 6,269 |
| Retained earnings to average equity (ytd only) | -0.1507% | 5,902 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.1667% | 130 |
| Assets per employee ($millions) | 5.8484% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,750 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 2.3318% | 1,501 |
| Noncurrent loans to loans | 2.1999% | 1,775 |
| Net loans and leases to total assets | 68.6904% | 2,225 |
| Net loans and leases to deposits | 79.7135% | 2,492 |
| Net loans and leases to core deposits | 92.2897% | 1,769 |
| Total domestic deposits to total assets | 86.1715% | 3,168 |
| Equity capital to assets | 12.3559% | 1,590 |
| Core capital (leverage) ratio | 12.0558% | 1,569 |
| Tier 1 risk-based capital ratio | 14.9270% | 3,711 |
| Total risk-based capital ratio | 14.9270% | 4,482 |
| Memoranda: | ||
| Average total assets | $84,571,000 | 5,127 |
| Average earning assets | $79,810,800 | 5,040 |
| Average equity | $9,288,400 | 5,020 |
| Average total loans | $65,758,600 | 4,420 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 593 |
| Cost of funding earning assets | 1.1038% | 302 |
| Net interest margin | 4.1426% | 1,504 |
| Noninterest income to average assets | 0.6689% | 2,785 |
| Noninterest expense to average assets | 2.2286% | 5,533 |
| Loan and lease loss provision to assets | 0.1782% | 2,042 |
| Net operating income to assets | 2.1979% | 260 |
| Return on assets (ROA) | 2.1979% | 268 |
| Pretax return on assets | 2.2011% | 383 |
| Return on Equity (ROE) | 20.7487% | 260 |
| Retained earnings to average equity (ytd only) | 5.3821% | 2,813 |
| Net charge-offs to loans | 0.2420% | 2,361 |
| Credit loss provision to net charge-offs | 91.6667% | 2,593 |
| Earnings coverage of net charge-offs (x) | 12.2414% | 2,156 |
| Efficiency ratio | 48.3656% | 6,487 |
| Assets per employee ($millions) | 5.0494% | 2,105 |
| Cash dividends to net income (ytd only)* | 74.0605% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 3,538 |
| Loan loss allowance to noncurrent loans | 43.0776% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 3.8408% | 844 |
| Noncurrent loans to loans | 3.4346% | 1,121 |
| Net loans and leases to total assets | 82.8335% | 303 |
| Net loans and leases to deposits | 95.1394% | 753 |
| Net loans and leases to core deposits | 110.7760% | 550 |
| Total domestic deposits to total assets | 87.0654% | 2,660 |
| Equity capital to assets | 10.8997% | 2,862 |
| Core capital (leverage) ratio | 10.8112% | 2,658 |
| Tier 1 risk-based capital ratio | 13.8242% | 4,553 |
| Total risk-based capital ratio | 15.0783% | 4,505 |
| Memoranda: | ||
| Average total assets | $82,320,000 | 5,236 |
| Average earning assets | $78,275,000 | 5,125 |
| Average equity | $8,720,000 | 5,211 |
| Average total loans | $66,129,000 | 4,444 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2012% | 640 |
| Cost of funding earning assets | 1.1087% | 324 |
| Net interest margin | 4.0924% | 1,563 |
| Noninterest income to average assets | 0.6664% | 2,815 |
| Noninterest expense to average assets | 2.1852% | 5,667 |
| Loan and lease loss provision to assets | 0.1811% | 2,099 |
| Net operating income to assets | 2.1949% | 261 |
| Return on assets (ROA) | 2.1949% | 278 |
| Pretax return on assets | 2.1949% | 419 |
| Return on Equity (ROE) | 20.9174% | 255 |
| Retained earnings to average equity (ytd only) | 3.2216% | 4,258 |
| Net charge-offs to loans | 0.3632% | 1,748 |
| Credit loss provision to net charge-offs | 63.0252% | 2,964 |
| Earnings coverage of net charge-offs (x) | 8.2689% | 2,430 |
| Efficiency ratio | 47.9089% | 6,541 |
| Assets per employee ($millions) | 5.0845% | 2,014 |
| Cash dividends to net income (ytd only)* | 84.5985% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 3,713 |
| Loan loss allowance to noncurrent loans | 84.0693% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 2.3712% | 1,807 |
| Noncurrent loans to loans | 1.7506% | 2,697 |
| Net loans and leases to total assets | 79.9083% | 547 |
| Net loans and leases to deposits | 91.3456% | 1,022 |
| Net loans and leases to core deposits | 106.1668% | 731 |
| Total domestic deposits to total assets | 87.4791% | 2,551 |
| Equity capital to assets | 10.5886% | 3,186 |
| Core capital (leverage) ratio | 10.3988% | 2,987 |
| Tier 1 risk-based capital ratio | 13.8547% | 4,520 |
| Total risk-based capital ratio | 14.9905% | 4,581 |
| Memoranda: | ||
| Average total assets | $82,829,670 | 5,252 |
| Average earning assets | $78,828,330 | 5,144 |
| Average equity | $8,691,330 | 5,247 |
| Average total loans | $65,529,670 | 4,480 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0785% | 773 |
| Cost of funding earning assets | 1.0933% | 386 |
| Net interest margin | 3.9852% | 1,846 |
| Noninterest income to average assets | 0.7036% | 2,573 |
| Noninterest expense to average assets | 2.1922% | 5,707 |
| Loan and lease loss provision to assets | 0.1436% | 2,445 |
| Net operating income to assets | 2.1539% | 264 |
| Return on assets (ROA) | 2.1539% | 289 |
| Pretax return on assets | 2.1539% | 450 |
| Return on Equity (ROE) | 20.6186% | 254 |
| Retained earnings to average equity (ytd only) | 14.0206% | 444 |
| Net charge-offs to loans | -0.0306% | 5,903 |
| Credit loss provision to net charge-offs | -600.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8273% | 6,574 |
| Assets per employee ($millions) | 5.2154% | 1,962 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 3,390 |
| Loan loss allowance to noncurrent loans | 53.8186% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 2.4231% | 1,912 |
| Noncurrent loans to loans | 2.9772% | 1,687 |
| Net loans and leases to total assets | 77.2718% | 691 |
| Net loans and leases to deposits | 88.2987% | 1,116 |
| Net loans and leases to core deposits | 101.5753% | 854 |
| Total domestic deposits to total assets | 87.5118% | 2,625 |
| Equity capital to assets | 10.6415% | 3,388 |
| Core capital (leverage) ratio | 10.3854% | 2,923 |
| Tier 1 risk-based capital ratio | 13.8784% | 4,588 |
| Total risk-based capital ratio | 15.1090% | 4,567 |
| Memoranda: | ||
| Average total assets | $83,568,500 | 5,281 |
| Average earning assets | $79,394,000 | 5,171 |
| Average equity | $8,730,000 | 5,293 |
| Average total loans | $65,305,500 | 4,514 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3997% | 758 |
| Cost of funding earning assets | 1.2435% | 476 |
| Net interest margin | 4.1563% | 1,794 |
| Noninterest income to average assets | 1.0472% | 1,414 |
| Noninterest expense to average assets | 2.3600% | 5,528 |
| Loan and lease loss provision to assets | 0.3623% | 1,832 |
| Net operating income to assets | 2.2803% | 217 |
| Return on assets (ROA) | 2.2803% | 237 |
| Pretax return on assets | 2.2851% | 346 |
| Return on Equity (ROE) | 23.0064% | 179 |
| Retained earnings to average equity (ytd only) | 9.7363% | 649 |
| Net charge-offs to loans | 0.2149% | 3,673 |
| Credit loss provision to net charge-offs | 209.7902% | 1,214 |
| Earnings coverage of net charge-offs (x) | 15.3287% | 1,660 |
| Efficiency ratio | 47.1298% | 6,750 |
| Assets per employee ($millions) | 5.2306% | 1,962 |
| Cash dividends to net income (ytd only)* | 57.6801% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 3,479 |
| Loan loss allowance to noncurrent loans | 50.3223% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 2.4949% | 1,959 |
| Noncurrent loans to loans | 3.0993% | 1,671 |
| Net loans and leases to total assets | 76.5504% | 847 |
| Net loans and leases to deposits | 87.0531% | 1,380 |
| Net loans and leases to core deposits | 99.1304% | 1,074 |
| Total domestic deposits to total assets | 87.9352% | 2,279 |
| Equity capital to assets | 10.2521% | 3,824 |
| Core capital (leverage) ratio | 10.1060% | 3,266 |
| Tier 1 risk-based capital ratio | 14.4273% | 4,079 |
| Total risk-based capital ratio | 15.6742% | 4,032 |
| Memoranda: | ||
| Average total assets | $82,795,800 | 5,278 |
| Average earning assets | $78,892,600 | 5,163 |
| Average equity | $8,206,400 | 5,440 |
| Average total loans | $66,537,400 | 4,479 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5093% | 666 |
| Cost of funding earning assets | 1.2679% | 509 |
| Net interest margin | 4.2415% | 1,618 |
| Noninterest income to average assets | 0.8397% | 2,075 |
| Noninterest expense to average assets | 2.2089% | 5,932 |
| Loan and lease loss provision to assets | 0.4360% | 1,451 |
| Net operating income to assets | 2.2251% | 270 |
| Return on assets (ROA) | 2.2251% | 302 |
| Pretax return on assets | 2.2299% | 456 |
| Return on Equity (ROE) | 22.6462% | 207 |
| Retained earnings to average equity (ytd only) | 8.6937% | 1,349 |
| Net charge-offs to loans | -0.0319% | 6,594 |
| Credit loss provision to net charge-offs | -1,687.5000% | 6,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3130% | 6,850 |
| Assets per employee ($millions) | 5.1169% | 2,033 |
| Cash dividends to net income (ytd only)* | 61.6109% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7359% | 3,015 |
| Loan loss allowance to noncurrent loans | 59.8639% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 2.4368% | 2,173 |
| Noncurrent loans to loans | 2.8997% | 1,928 |
| Net loans and leases to total assets | 79.1000% | 588 |
| Net loans and leases to deposits | 90.2013% | 1,122 |
| Net loans and leases to core deposits | 105.7220% | 755 |
| Total domestic deposits to total assets | 87.6928% | 2,231 |
| Equity capital to assets | 10.1758% | 4,237 |
| Core capital (leverage) ratio | 9.5972% | 4,119 |
| Tier 1 risk-based capital ratio | 13.9923% | 4,525 |
| Total risk-based capital ratio | 15.2504% | 4,474 |
| Memoranda: | ||
| Average total assets | $82,572,250 | 5,335 |
| Average earning assets | $78,555,750 | 5,223 |
| Average equity | $8,113,000 | 5,522 |
| Average total loans | $66,901,750 | 4,509 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6027% | 573 |
| Cost of funding earning assets | 1.2849% | 559 |
| Net interest margin | 4.3178% | 1,435 |
| Noninterest income to average assets | 0.9637% | 1,563 |
| Noninterest expense to average assets | 2.1979% | 6,016 |
| Loan and lease loss provision to assets | 0.4348% | 1,495 |
| Net operating income to assets | 2.4249% | 197 |
| Return on assets (ROA) | 2.4249% | 226 |
| Pretax return on assets | 2.4298% | 330 |
| Return on Equity (ROE) | 24.9741% | 150 |
| Retained earnings to average equity (ytd only) | 9.3528% | 1,158 |
| Net charge-offs to loans | -0.0476% | 6,654 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4160% | 6,974 |
| Assets per employee ($millions) | 5.8617% | 1,324 |
| Cash dividends to net income (ytd only)* | 62.5498% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 3,557 |
| Loan loss allowance to noncurrent loans | 63.8015% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 2.1416% | 2,617 |
| Noncurrent loans to loans | 2.5282% | 2,384 |
| Net loans and leases to total assets | 73.1191% | 1,377 |
| Net loans and leases to deposits | 83.2233% | 1,953 |
| Net loans and leases to core deposits | 94.6820% | 1,539 |
| Total domestic deposits to total assets | 87.8590% | 2,243 |
| Equity capital to assets | 9.3011% | 5,315 |
| Core capital (leverage) ratio | 9.4385% | 4,233 |
| Tier 1 risk-based capital ratio | 13.3908% | 4,908 |
| Total risk-based capital ratio | 14.6464% | 4,865 |
| Memoranda: | ||
| Average total assets | $82,806,000 | 5,357 |
| Average earning assets | $78,605,000 | 5,254 |
| Average equity | $8,040,330 | 5,562 |
| Average total loans | $67,234,330 | 4,511 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7849% | 438 |
| Cost of funding earning assets | 1.3435% | 529 |
| Net interest margin | 4.4414% | 1,129 |
| Noninterest income to average assets | 0.8474% | 1,955 |
| Noninterest expense to average assets | 2.2481% | 5,904 |
| Loan and lease loss provision to assets | 0.4486% | 1,386 |
| Net operating income to assets | 2.3528% | 222 |
| Return on assets (ROA) | 2.3528% | 273 |
| Pretax return on assets | 2.3528% | 415 |
| Return on Equity (ROE) | 23.6844% | 223 |
| Retained earnings to average equity (ytd only) | 17.2615% | 294 |
| Net charge-offs to loans | -0.0645% | 6,640 |
| Credit loss provision to net charge-offs | -818.1818% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5212% | 6,965 |
| Assets per employee ($millions) | 5.0366% | 2,211 |
| Cash dividends to net income (ytd only)* | 27.1186% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 4,637 |
| Loan loss allowance to noncurrent loans | 105.9669% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.8440% | 3,124 |
| Noncurrent loans to loans | 1.3166% | 4,140 |
| Net loans and leases to total assets | 84.1099% | 179 |
| Net loans and leases to deposits | 96.1446% | 527 |
| Net loans and leases to core deposits | 107.7464% | 617 |
| Total domestic deposits to total assets | 87.4828% | 2,665 |
| Equity capital to assets | 10.0850% | 4,019 |
| Core capital (leverage) ratio | 9.7804% | 3,671 |
| Tier 1 risk-based capital ratio | 13.0505% | 5,172 |
| Total risk-based capital ratio | 14.3054% | 5,138 |
| Memoranda: | ||
| Average total assets | $80,246,500 | 5,471 |
| Average earning assets | $75,922,000 | 5,368 |
| Average equity | $7,971,500 | 5,607 |
| Average total loans | $68,179,500 | 4,517 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7356% | 726 |
| Cost of funding earning assets | 1.5003% | 720 |
| Net interest margin | 4.2354% | 1,942 |
| Noninterest income to average assets | 0.7127% | 2,533 |
| Noninterest expense to average assets | 2.3109% | 6,013 |
| Loan and lease loss provision to assets | 0.3480% | 2,915 |
| Net operating income to assets | 2.0184% | 298 |
| Return on assets (ROA) | 2.0184% | 318 |
| Pretax return on assets | 2.0235% | 507 |
| Return on Equity (ROE) | 21.4562% | 203 |
| Retained earnings to average equity (ytd only) | 12.0845% | 298 |
| Net charge-offs to loans | 0.3076% | 3,861 |
| Credit loss provision to net charge-offs | 138.4615% | 2,136 |
| Earnings coverage of net charge-offs (x) | 9.4359% | 1,983 |
| Efficiency ratio | 49.3532% | 6,871 |
| Assets per employee ($millions) | 5.3272% | 1,805 |
| Cash dividends to net income (ytd only)* | 43.6782% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 5,071 |
| Loan loss allowance to noncurrent loans | 80.4124% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 2.0624% | 2,890 |
| Noncurrent loans to loans | 1.5779% | 3,798 |
| Net loans and leases to total assets | 83.5486% | 230 |
| Net loans and leases to deposits | 95.1337% | 735 |
| Net loans and leases to core deposits | 107.7658% | 710 |
| Total domestic deposits to total assets | 87.8222% | 2,264 |
| Equity capital to assets | 9.7812% | 4,465 |
| Core capital (leverage) ratio | 9.7557% | 3,665 |
| Tier 1 risk-based capital ratio | 12.5945% | 5,372 |
| Total risk-based capital ratio | 13.8536% | 5,360 |
| Memoranda: | ||
| Average total assets | $77,587,800 | 5,523 |
| Average earning assets | $72,720,800 | 5,453 |
| Average equity | $7,298,600 | 5,779 |
| Average total loans | $63,384,800 | 4,731 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6574% | 920 |
| Cost of funding earning assets | 1.5392% | 743 |
| Net interest margin | 4.1182% | 2,403 |
| Noninterest income to average assets | 0.7047% | 2,576 |
| Noninterest expense to average assets | 2.1660% | 6,356 |
| Loan and lease loss provision to assets | 0.3636% | 2,688 |
| Net operating income to assets | 2.0344% | 321 |
| Return on assets (ROA) | 2.0344% | 344 |
| Pretax return on assets | 2.0292% | 592 |
| Return on Equity (ROE) | 21.8521% | 226 |
| Retained earnings to average equity (ytd only) | 11.4375% | 564 |
| Net charge-offs to loans | 0.0342% | 5,673 |
| Credit loss provision to net charge-offs | 1,312.5000% | 207 |
| Earnings coverage of net charge-offs (x) | 86.3863% | 412 |
| Efficiency ratio | 47.5123% | 6,984 |
| Assets per employee ($millions) | 5.5737% | 1,527 |
| Cash dividends to net income (ytd only)* | 47.6596% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 4,206 |
| Loan loss allowance to noncurrent loans | 70.0861% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 2.3926% | 2,689 |
| Noncurrent loans to loans | 2.1110% | 3,232 |
| Net loans and leases to total assets | 83.3722% | 262 |
| Net loans and leases to deposits | 95.0806% | 752 |
| Net loans and leases to core deposits | 107.6194% | 782 |
| Total domestic deposits to total assets | 87.6858% | 2,245 |
| Equity capital to assets | 9.6704% | 4,826 |
| Core capital (leverage) ratio | 9.3551% | 4,369 |
| Tier 1 risk-based capital ratio | 12.3701% | 5,606 |
| Total risk-based capital ratio | 13.6251% | 5,589 |
| Memoranda: | ||
| Average total assets | $77,007,750 | 5,579 |
| Average earning assets | $72,068,750 | 5,512 |
| Average equity | $7,169,250 | 5,851 |
| Average total loans | $62,326,000 | 4,821 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5313% | 1,231 |
| Cost of funding earning assets | 1.5574% | 819 |
| Net interest margin | 3.9739% | 2,972 |
| Noninterest income to average assets | 0.7096% | 2,503 |
| Noninterest expense to average assets | 2.1496% | 6,503 |
| Loan and lease loss provision to assets | 0.3913% | 2,458 |
| Net operating income to assets | 1.9044% | 408 |
| Return on assets (ROA) | 1.9044% | 438 |
| Pretax return on assets | 1.9096% | 694 |
| Return on Equity (ROE) | 20.7278% | 274 |
| Retained earnings to average equity (ytd only) | 10.0232% | 835 |
| Net charge-offs to loans | 0.0360% | 5,350 |
| Credit loss provision to net charge-offs | 1,363.6364% | 256 |
| Earnings coverage of net charge-offs (x) | 80.1818% | 423 |
| Efficiency ratio | 48.3001% | 7,043 |
| Assets per employee ($millions) | 5.2171% | 1,853 |
| Cash dividends to net income (ytd only)* | 51.6438% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 4,170 |
| Loan loss allowance to noncurrent loans | 69.3524% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 2.3014% | 2,858 |
| Noncurrent loans to loans | 2.1506% | 3,286 |
| Net loans and leases to total assets | 77.7295% | 811 |
| Net loans and leases to deposits | 88.1271% | 1,481 |
| Net loans and leases to core deposits | 98.2666% | 1,488 |
| Total domestic deposits to total assets | 88.2015% | 2,013 |
| Equity capital to assets | 9.2440% | 5,210 |
| Core capital (leverage) ratio | 9.0798% | 4,604 |
| Tier 1 risk-based capital ratio | 11.4388% | 6,213 |
| Total risk-based capital ratio | 12.6920% | 6,203 |
| Memoranda: | ||
| Average total assets | $76,666,330 | 5,631 |
| Average earning assets | $72,171,330 | 5,552 |
| Average equity | $7,043,670 | 5,910 |
| Average total loans | $61,090,000 | 4,907 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5883% | 1,077 |
| Cost of funding earning assets | 1.6014% | 811 |
| Net interest margin | 3.9868% | 2,743 |
| Noninterest income to average assets | 0.7645% | 2,192 |
| Noninterest expense to average assets | 2.1668% | 6,497 |
| Loan and lease loss provision to assets | 0.4745% | 1,853 |
| Net operating income to assets | 1.8716% | 425 |
| Return on assets (ROA) | 1.8716% | 447 |
| Pretax return on assets | 1.8769% | 710 |
| Return on Equity (ROE) | 20.4361% | 313 |
| Retained earnings to average equity (ytd only) | 14.9097% | 398 |
| Net charge-offs to loans | 0.0066% | 5,029 |
| Credit loss provision to net charge-offs | 9,000.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 446.0000% | 58 |
| Efficiency ratio | 47.9580% | 7,116 |
| Assets per employee ($millions) | 5.1633% | 1,941 |
| Cash dividends to net income (ytd only)* | 27.0423% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 4,512 |
| Loan loss allowance to noncurrent loans | 85.8128% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.9213% | 3,407 |
| Noncurrent loans to loans | 1.6697% | 3,979 |
| Net loans and leases to total assets | 77.3658% | 819 |
| Net loans and leases to deposits | 88.3474% | 1,423 |
| Net loans and leases to core deposits | 98.6321% | 1,462 |
| Total domestic deposits to total assets | 87.5699% | 2,628 |
| Equity capital to assets | 9.1583% | 4,939 |
| Core capital (leverage) ratio | 9.1246% | 4,405 |
| Tier 1 risk-based capital ratio | 12.6709% | 5,095 |
| Total risk-based capital ratio | 13.9255% | 5,065 |
| Memoranda: | ||
| Average total assets | $75,871,500 | 5,702 |
| Average earning assets | $71,435,500 | 5,621 |
| Average equity | $6,948,500 | 5,944 |
| Average total loans | $60,760,500 | 4,973 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1844% | 586 |
| Cost of funding earning assets | 1.8355% | 1,045 |
| Net interest margin | 4.3489% | 1,650 |
| Noninterest income to average assets | 0.7603% | 2,482 |
| Noninterest expense to average assets | 2.7295% | 4,855 |
| Loan and lease loss provision to assets | 0.4455% | 3,457 |
| Net operating income to assets | 1.6543% | 565 |
| Return on assets (ROA) | 1.6202% | 645 |
| Pretax return on assets | 1.6187% | 1,087 |
| Return on Equity (ROE) | 16.4139% | 540 |
| Retained earnings to average equity (ytd only) | 6.7702% | 1,420 |
| Net charge-offs to loans | 0.3758% | 4,159 |
| Credit loss provision to net charge-offs | 142.1801% | 2,632 |
| Earnings coverage of net charge-offs (x) | 6.6967% | 2,302 |
| Efficiency ratio | 56.5365% | 6,520 |
| Assets per employee ($millions) | 5.3067% | 1,747 |
| Cash dividends to net income (ytd only)* | 58.7534% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 5,064 |
| Loan loss allowance to noncurrent loans | 119.9387% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 1.5143% | 4,043 |
| Noncurrent loans to loans | 1.0736% | 4,940 |
| Net loans and leases to total assets | 80.6916% | 576 |
| Net loans and leases to deposits | 92.1725% | 1,254 |
| Net loans and leases to core deposits | 105.3123% | 1,236 |
| Total domestic deposits to total assets | 87.5441% | 2,522 |
| Equity capital to assets | 9.1582% | 4,904 |
| Core capital (leverage) ratio | 9.4631% | 3,749 |
| Tier 1 risk-based capital ratio | 12.3984% | 5,114 |
| Total risk-based capital ratio | 13.6512% | 5,091 |
| Memoranda: | ||
| Average total assets | $67,339,200 | 5,954 |
| Average earning assets | $62,981,200 | 5,893 |
| Average equity | $6,646,800 | 6,150 |
| Average total loans | $56,139,800 | 5,226 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3064% | 501 |
| Cost of funding earning assets | 1.8765% | 1,107 |
| Net interest margin | 4.4300% | 1,429 |
| Noninterest income to average assets | 0.7479% | 2,520 |
| Noninterest expense to average assets | 2.5568% | 5,482 |
| Loan and lease loss provision to assets | 0.4268% | 3,352 |
| Net operating income to assets | 1.9044% | 400 |
| Return on assets (ROA) | 1.8577% | 494 |
| Pretax return on assets | 1.8536% | 843 |
| Return on Equity (ROE) | 18.4433% | 439 |
| Retained earnings to average equity (ytd only) | 8.5356% | 1,228 |
| Net charge-offs to loans | 0.2521% | 4,436 |
| Credit loss provision to net charge-offs | 201.9231% | 1,766 |
| Earnings coverage of net charge-offs (x) | 11.0099% | 1,831 |
| Efficiency ratio | 52.3512% | 6,948 |
| Assets per employee ($millions) | 4.5303% | 2,859 |
| Cash dividends to net income (ytd only)* | 53.7197% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 4,602 |
| Loan loss allowance to noncurrent loans | 118.5460% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 1.7615% | 3,799 |
| Noncurrent loans to loans | 1.1595% | 4,926 |
| Net loans and leases to total assets | 84.3661% | 310 |
| Net loans and leases to deposits | 97.8578% | 803 |
| Net loans and leases to core deposits | 108.6741% | 1,112 |
| Total domestic deposits to total assets | 86.2129% | 2,967 |
| Equity capital to assets | 10.1082% | 4,004 |
| Core capital (leverage) ratio | 9.9510% | 3,295 |
| Tier 1 risk-based capital ratio | 12.9050% | 4,649 |
| Total risk-based capital ratio | 14.1584% | 4,632 |
| Memoranda: | ||
| Average total assets | $65,600,500 | 6,079 |
| Average earning assets | $61,248,250 | 6,017 |
| Average equity | $6,607,500 | 6,233 |
| Average total loans | $54,992,000 | 5,343 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2664% | 546 |
| Cost of funding earning assets | 1.9067% | 1,218 |
| Net interest margin | 4.3597% | 1,564 |
| Noninterest income to average assets | 0.7560% | 2,350 |
| Noninterest expense to average assets | 2.5642% | 5,480 |
| Loan and lease loss provision to assets | 0.3703% | 3,489 |
| Net operating income to assets | 1.8792% | 420 |
| Return on assets (ROA) | 1.8792% | 462 |
| Pretax return on assets | 1.8853% | 759 |
| Return on Equity (ROE) | 18.6800% | 412 |
| Retained earnings to average equity (ytd only) | 6.5641% | 2,045 |
| Net charge-offs to loans | 0.2113% | 4,345 |
| Credit loss provision to net charge-offs | 210.5263% | 1,849 |
| Earnings coverage of net charge-offs (x) | 12.8246% | 1,643 |
| Efficiency ratio | 53.2010% | 6,963 |
| Assets per employee ($millions) | 4.4668% | 2,930 |
| Cash dividends to net income (ytd only)* | 64.8604% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,694 |
| Loan loss allowance to noncurrent loans | 77.4590% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 2.1686% | 3,298 |
| Noncurrent loans to loans | 1.7386% | 4,076 |
| Net loans and leases to total assets | 82.6557% | 471 |
| Net loans and leases to deposits | 95.4861% | 1,095 |
| Net loans and leases to core deposits | 106.4160% | 1,405 |
| Total domestic deposits to total assets | 86.5631% | 2,784 |
| Equity capital to assets | 9.8579% | 4,192 |
| Core capital (leverage) ratio | 10.0213% | 3,142 |
| Tier 1 risk-based capital ratio | 12.7915% | 4,613 |
| Total risk-based capital ratio | 14.0443% | 4,580 |
| Memoranda: | ||
| Average total assets | $64,815,670 | 6,147 |
| Average earning assets | $60,417,330 | 6,085 |
| Average equity | $6,520,330 | 6,291 |
| Average total loans | $53,946,000 | 5,426 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1359% | 729 |
| Cost of funding earning assets | 1.9377% | 1,295 |
| Net interest margin | 4.1983% | 2,048 |
| Noninterest income to average assets | 0.7847% | 2,096 |
| Noninterest expense to average assets | 2.6050% | 5,341 |
| Loan and lease loss provision to assets | 0.3766% | 3,111 |
| Net operating income to assets | 1.7137% | 598 |
| Return on assets (ROA) | 1.7137% | 653 |
| Pretax return on assets | 1.7200% | 1,020 |
| Return on Equity (ROE) | 16.8571% | 621 |
| Retained earnings to average equity (ytd only) | 9.3239% | 1,316 |
| Net charge-offs to loans | -0.0076% | 6,851 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4072% | 6,839 |
| Assets per employee ($millions) | 4.2203% | 3,426 |
| Cash dividends to net income (ytd only)* | 44.6886% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 4,425 |
| Loan loss allowance to noncurrent loans | 41.0452% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 3.6554% | 1,914 |
| Noncurrent loans to loans | 3.4084% | 2,338 |
| Net loans and leases to total assets | 83.9473% | 377 |
| Net loans and leases to deposits | 97.5387% | 951 |
| Net loans and leases to core deposits | 108.1133% | 1,408 |
| Total domestic deposits to total assets | 86.0657% | 3,123 |
| Equity capital to assets | 10.3595% | 3,394 |
| Core capital (leverage) ratio | 10.0902% | 3,053 |
| Tier 1 risk-based capital ratio | 13.1157% | 4,255 |
| Total risk-based capital ratio | 14.3699% | 4,214 |
| Memoranda: | ||
| Average total assets | $63,722,500 | 6,251 |
| Average earning assets | $59,453,000 | 6,193 |
| Average equity | $6,478,000 | 6,352 |
| Average total loans | $52,850,500 | 5,541 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4762% | 707 |
| Cost of funding earning assets | 2.3936% | 1,319 |
| Net interest margin | 4.0826% | 2,519 |
| Noninterest income to average assets | 0.9237% | 1,856 |
| Noninterest expense to average assets | 2.8225% | 4,879 |
| Loan and lease loss provision to assets | 0.3855% | 4,480 |
| Net operating income to assets | 1.4988% | 675 |
| Return on assets (ROA) | 1.5020% | 722 |
| Pretax return on assets | 1.4972% | 1,192 |
| Return on Equity (ROE) | 15.1481% | 650 |
| Retained earnings to average equity (ytd only) | 6.0916% | 1,320 |
| Net charge-offs to loans | 0.2916% | 4,812 |
| Credit loss provision to net charge-offs | 163.2653% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.9592% | 2,029 |
| Efficiency ratio | 60.0273% | 6,489 |
| Assets per employee ($millions) | 4.2761% | 3,310 |
| Cash dividends to net income (ytd only)* | 59.7861% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 4,547 |
| Loan loss allowance to noncurrent loans | 45.5621% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 3.1150% | 2,222 |
| Noncurrent loans to loans | 2.9360% | 2,625 |
| Net loans and leases to total assets | 79.6869% | 1,047 |
| Net loans and leases to deposits | 92.0920% | 1,883 |
| Net loans and leases to core deposits | 110.6991% | 2,823 |
| Total domestic deposits to total assets | 86.5297% | 2,745 |
| Equity capital to assets | 9.9749% | 3,792 |
| Core capital (leverage) ratio | 9.8965% | 3,201 |
| Tier 1 risk-based capital ratio | 12.6897% | 4,373 |
| Total risk-based capital ratio | 13.9425% | 4,305 |
| Memoranda: | ||
| Average total assets | $62,250,400 | 6,262 |
| Average earning assets | $57,611,000 | 6,230 |
| Average equity | $6,172,400 | 6,541 |
| Average total loans | $50,417,800 | 5,645 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4559% | 832 |
| Cost of funding earning assets | 2.4955% | 1,317 |
| Net interest margin | 3.9605% | 2,992 |
| Noninterest income to average assets | 0.9647% | 1,724 |
| Noninterest expense to average assets | 2.7560% | 5,080 |
| Loan and lease loss provision to assets | 0.3885% | 3,986 |
| Net operating income to assets | 1.4870% | 841 |
| Return on assets (ROA) | 1.4913% | 885 |
| Pretax return on assets | 1.4827% | 1,466 |
| Return on Equity (ROE) | 15.0639% | 763 |
| Retained earnings to average equity (ytd only) | 7.4120% | 1,346 |
| Net charge-offs to loans | 0.1039% | 5,637 |
| Credit loss provision to net charge-offs | 461.5385% | 850 |
| Earnings coverage of net charge-offs (x) | 22.1788% | 1,166 |
| Efficiency ratio | 59.6172% | 6,466 |
| Assets per employee ($millions) | 4.1613% | 3,442 |
| Cash dividends to net income (ytd only)* | 50.7961% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 3,689 |
| Loan loss allowance to noncurrent loans | 50.5112% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 3.5790% | 1,842 |
| Noncurrent loans to loans | 2.8723% | 2,649 |
| Net loans and leases to total assets | 80.6360% | 1,059 |
| Net loans and leases to deposits | 93.7090% | 1,929 |
| Net loans and leases to core deposits | 116.3607% | 2,587 |
| Total domestic deposits to total assets | 86.0493% | 2,686 |
| Equity capital to assets | 10.2403% | 3,799 |
| Core capital (leverage) ratio | 9.9784% | 3,313 |
| Tier 1 risk-based capital ratio | 12.7195% | 4,376 |
| Total risk-based capital ratio | 13.9723% | 4,325 |
| Memoranda: | ||
| Average total assets | $61,777,750 | 6,319 |
| Average earning assets | $57,062,250 | 6,292 |
| Average equity | $6,116,000 | 6,625 |
| Average total loans | $50,071,000 | 5,714 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4704% | 874 |
| Cost of funding earning assets | 2.5733% | 1,366 |
| Net interest margin | 3.8971% | 3,126 |
| Noninterest income to average assets | 0.9031% | 1,976 |
| Noninterest expense to average assets | 2.7581% | 5,141 |
| Loan and lease loss provision to assets | 0.3898% | 3,579 |
| Net operating income to assets | 1.3579% | 1,107 |
| Return on assets (ROA) | 1.3644% | 1,163 |
| Pretax return on assets | 1.3482% | 1,883 |
| Return on Equity (ROE) | 13.9442% | 1,002 |
| Retained earnings to average equity (ytd only) | 5.0133% | 2,495 |
| Net charge-offs to loans | 0.0362% | 5,955 |
| Credit loss provision to net charge-offs | 1,333.3333% | 375 |
| Earnings coverage of net charge-offs (x) | 59.2222% | 603 |
| Efficiency ratio | 61.4327% | 6,322 |
| Assets per employee ($millions) | 4.1425% | 3,410 |
| Cash dividends to net income (ytd only)* | 64.0476% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 3,701 |
| Loan loss allowance to noncurrent loans | 63.8814% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 3.3828% | 1,852 |
| Noncurrent loans to loans | 2.1969% | 3,263 |
| Net loans and leases to total assets | 80.3901% | 1,241 |
| Net loans and leases to deposits | 97.6063% | 1,581 |
| Net loans and leases to core deposits | 126.9557% | 1,786 |
| Total domestic deposits to total assets | 82.3616% | 4,537 |
| Equity capital to assets | 9.8090% | 4,201 |
| Core capital (leverage) ratio | 9.7885% | 3,534 |
| Tier 1 risk-based capital ratio | 12.4478% | 4,561 |
| Total risk-based capital ratio | 13.6998% | 4,483 |
| Memoranda: | ||
| Average total assets | $61,563,670 | 6,392 |
| Average earning assets | $56,658,000 | 6,359 |
| Average equity | $6,024,000 | 6,705 |
| Average total loans | $49,736,670 | 5,779 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5707% | 754 |
| Cost of funding earning assets | 2.6640% | 1,361 |
| Net interest margin | 3.9067% | 3,020 |
| Noninterest income to average assets | 0.9074% | 1,820 |
| Noninterest expense to average assets | 2.7808% | 4,646 |
| Loan and lease loss provision to assets | 0.3917% | 2,977 |
| Net operating income to assets | 1.3382% | 1,294 |
| Return on assets (ROA) | 1.3512% | 1,346 |
| Pretax return on assets | 1.3186% | 2,215 |
| Return on Equity (ROE) | 13.8265% | 1,199 |
| Retained earnings to average equity (ytd only) | 3.8741% | 3,734 |
| Net charge-offs to loans | 0.0081% | 5,552 |
| Credit loss provision to net charge-offs | 6,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 260.0000% | 161 |
| Efficiency ratio | 62.0991% | 6,031 |
| Assets per employee ($millions) | 4.0728% | 3,503 |
| Cash dividends to net income (ytd only)* | 71.9807% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 3,939 |
| Loan loss allowance to noncurrent loans | 160.7317% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 2.4700% | 2,323 |
| Noncurrent loans to loans | 0.8240% | 5,387 |
| Net loans and leases to total assets | 80.3640% | 1,319 |
| Net loans and leases to deposits | 96.6647% | 1,844 |
| Net loans and leases to core deposits | 124.5491% | 2,033 |
| Total domestic deposits to total assets | 83.1369% | 4,076 |
| Equity capital to assets | 9.8589% | 4,171 |
| Core capital (leverage) ratio | 9.7493% | 3,686 |
| Tier 1 risk-based capital ratio | 12.0289% | 4,940 |
| Total risk-based capital ratio | 13.2798% | 4,826 |
| Memoranda: | ||
| Average total assets | $61,277,000 | 6,427 |
| Average earning assets | $56,006,500 | 6,416 |
| Average equity | $5,988,500 | 6,764 |
| Average total loans | $49,273,500 | 5,830 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0581% | 995 |
| Cost of funding earning assets | 3.1189% | 1,455 |
| Net interest margin | 3.9393% | 3,404 |
| Noninterest income to average assets | 0.7816% | 2,612 |
| Noninterest expense to average assets | 2.4838% | 6,076 |
| Loan and lease loss provision to assets | 0.3801% | 3,417 |
| Net operating income to assets | 1.5684% | 887 |
| Return on assets (ROA) | 1.5732% | 851 |
| Pretax return on assets | 1.6046% | 1,371 |
| Return on Equity (ROE) | 16.4467% | 705 |
| Retained earnings to average equity (ytd only) | 4.5954% | 2,268 |
| Net charge-offs to loans | 0.3088% | 3,328 |
| Credit loss provision to net charge-offs | 154.3624% | 3,382 |
| Earnings coverage of net charge-offs (x) | 8.0403% | 2,953 |
| Efficiency ratio | 55.6461% | 7,066 |
| Assets per employee ($millions) | 4.0975% | 3,313 |
| Cash dividends to net income (ytd only)* | 72.0588% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 4,314 |
| Loan loss allowance to noncurrent loans | 159.1512% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 2.4031% | 2,022 |
| Noncurrent loans to loans | 0.7727% | 5,098 |
| Net loans and leases to total assets | 78.4094% | 2,023 |
| Net loans and leases to deposits | 94.0993% | 2,743 |
| Net loans and leases to core deposits | 119.8895% | 2,701 |
| Total domestic deposits to total assets | 83.3263% | 3,641 |
| Equity capital to assets | 9.6873% | 4,441 |
| Core capital (leverage) ratio | 9.6335% | 3,843 |
| Tier 1 risk-based capital ratio | 12.2800% | 4,600 |
| Total risk-based capital ratio | 13.5280% | 4,489 |
| Memoranda: | ||
| Average total assets | $60,513,200 | 6,369 |
| Average earning assets | $56,558,800 | 6,321 |
| Average equity | $5,788,400 | 6,881 |
| Average total loans | $48,245,800 | 5,770 |