Home > West Michigan Bank & Trust > Performance and Condition Ratios
West Michigan Bank & Trust, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7321% | 5,828 |
| Cost of funding earning assets | 0.2502% | 4,655 |
| Net interest margin | 2.4819% | 5,754 |
| Noninterest income to average assets | 0.7268% | 2,022 |
| Noninterest expense to average assets | 3.8666% | 699 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.7367% | 5,953 |
| Return on assets (ROA) | -0.7367% | 5,959 |
| Pretax return on assets | -0.7367% | 5,953 |
| Return on Equity (ROE) | -4.0801% | 5,916 |
| Retained earnings to average equity (ytd only) | -4.0801% | 5,699 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.5387% | 81 |
| Assets per employee ($millions) | 3.0892% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 2,943 |
| Loan loss allowance to noncurrent loans | 4,250.0000% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 5,583 |
| Noncurrent loans to loans | 0.0299% | 5,345 |
| Net loans and leases to total assets | 32.8611% | 5,715 |
| Net loans and leases to deposits | 40.3738% | 5,675 |
| Net loans and leases to core deposits | 42.6301% | 5,662 |
| Total domestic deposits to total assets | 81.3919% | 4,164 |
| Equity capital to assets | 18.3989% | 305 |
| Core capital (leverage) ratio | 17.8805% | 304 |
| Tier 1 risk-based capital ratio | 44.0782% | 186 |
| Total risk-based capital ratio | 45.1065% | 186 |
| Memoranda: | ||
| Average total assets | $40,449,000 | 5,655 |
| Average earning assets | $39,163,670 | 5,602 |
| Average equity | $7,303,670 | 5,140 |
| Average total loans | $13,020,000 | 5,841 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7363% | 5,888 |
| Cost of funding earning assets | 0.2238% | 4,962 |
| Net interest margin | 2.5125% | 5,797 |
| Noninterest income to average assets | 0.6799% | 2,137 |
| Noninterest expense to average assets | 3.6163% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.5025% | 5,962 |
| Return on assets (ROA) | -0.5025% | 5,969 |
| Pretax return on assets | -0.5025% | 5,960 |
| Return on Equity (ROE) | -2.8095% | 5,931 |
| Retained earnings to average equity (ytd only) | -2.8095% | 5,456 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.1392% | 124 |
| Assets per employee ($millions) | 3.4010% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 2,791 |
| Loan loss allowance to noncurrent loans | 3,400.0000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 5,612 |
| Noncurrent loans to loans | 0.0389% | 5,339 |
| Net loans and leases to total assets | 31.1036% | 5,803 |
| Net loans and leases to deposits | 40.3933% | 5,700 |
| Net loans and leases to core deposits | 42.7422% | 5,694 |
| Total domestic deposits to total assets | 77.0019% | 5,287 |
| Equity capital to assets | 17.9261% | 329 |
| Core capital (leverage) ratio | 18.1012% | 289 |
| Tier 1 risk-based capital ratio | 45.1550% | 172 |
| Total risk-based capital ratio | 46.1943% | 172 |
| Memoranda: | ||
| Average total assets | $40,593,500 | 5,709 |
| Average earning assets | $39,323,500 | 5,652 |
| Average equity | $7,261,000 | 5,181 |
| Average total loans | $12,846,500 | 5,901 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7874% | 5,885 |
| Cost of funding earning assets | 0.2256% | 5,040 |
| Net interest margin | 2.5618% | 5,786 |
| Noninterest income to average assets | 0.5577% | 2,972 |
| Noninterest expense to average assets | 3.0273% | 2,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0134% | 5,860 |
| Return on assets (ROA) | 0.0134% | 5,887 |
| Pretax return on assets | 0.0134% | 5,878 |
| Return on Equity (ROE) | 0.0843% | 5,889 |
| Retained earnings to average equity (ytd only) | 0.0562% | 5,482 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5598% | 296 |
| Assets per employee ($millions) | 2.8839% | 5,629 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 2,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 31.3536% | 5,852 |
| Net loans and leases to deposits | 40.6989% | 5,750 |
| Net loans and leases to core deposits | 43.0915% | 5,738 |
| Total domestic deposits to total assets | 77.0378% | 5,308 |
| Equity capital to assets | 17.8477% | 328 |
| Core capital (leverage) ratio | 18.1720% | 281 |
| Tier 1 risk-based capital ratio | 45.9267% | 160 |
| Total risk-based capital ratio | 46.9767% | 157 |
| Memoranda: | ||
| Average total assets | $44,825,600 | 5,663 |
| Average earning assets | $43,446,200 | 5,596 |
| Average equity | $7,117,800 | 5,221 |
| Average total loans | $11,911,400 | 5,974 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7602% | 5,988 |
| Cost of funding earning assets | 0.2215% | 5,166 |
| Net interest margin | 2.5387% | 5,887 |
| Noninterest income to average assets | 0.5572% | 3,007 |
| Noninterest expense to average assets | 2.9749% | 2,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0435% | 5,900 |
| Return on assets (ROA) | 0.0435% | 5,944 |
| Pretax return on assets | 0.0435% | 5,940 |
| Return on Equity (ROE) | 0.2819% | 5,944 |
| Retained earnings to average equity (ytd only) | 0.2442% | 5,536 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5577% | 334 |
| Assets per employee ($millions) | 2.6935% | 5,840 |
| Cash dividends to net income (ytd only)* | 13.3500% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 2,987 |
| Loan loss allowance to noncurrent loans | 2,428.5714% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 5,727 |
| Noncurrent loans to loans | 0.0544% | 5,401 |
| Net loans and leases to total assets | 31.4135% | 5,937 |
| Net loans and leases to deposits | 40.7854% | 5,838 |
| Net loans and leases to core deposits | 43.1774% | 5,816 |
| Total domestic deposits to total assets | 77.0215% | 5,335 |
| Equity capital to assets | 17.8427% | 353 |
| Core capital (leverage) ratio | 16.4939% | 429 |
| Tier 1 risk-based capital ratio | 46.1935% | 165 |
| Total risk-based capital ratio | 47.2482% | 164 |
| Memoranda: | ||
| Average total assets | $45,938,250 | 5,705 |
| Average earning assets | $44,536,500 | 5,639 |
| Average equity | $7,095,750 | 5,293 |
| Average total loans | $11,682,000 | 6,055 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6680% | 6,088 |
| Cost of funding earning assets | 0.2155% | 5,301 |
| Net interest margin | 2.4525% | 5,999 |
| Noninterest income to average assets | 0.5483% | 3,049 |
| Noninterest expense to average assets | 2.8964% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0335% | 5,956 |
| Return on assets (ROA) | 0.0335% | 5,999 |
| Pretax return on assets | 0.0335% | 5,992 |
| Return on Equity (ROE) | 0.2267% | 6,000 |
| Retained earnings to average equity (ytd only) | 0.1700% | 5,448 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8571% | 354 |
| Assets per employee ($millions) | 3.2291% | 5,297 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 2,592 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 5,727 |
| Noncurrent loans to loans | 0.1434% | 5,176 |
| Net loans and leases to total assets | 24.1282% | 6,156 |
| Net loans and leases to deposits | 28.2274% | 6,166 |
| Net loans and leases to core deposits | 29.8069% | 6,155 |
| Total domestic deposits to total assets | 85.4780% | 2,932 |
| Equity capital to assets | 14.3176% | 874 |
| Core capital (leverage) ratio | 15.7545% | 504 |
| Tier 1 risk-based capital ratio | 43.5378% | 212 |
| Total risk-based capital ratio | 44.5329% | 210 |
| Memoranda: | ||
| Average total assets | $47,783,330 | 5,727 |
| Average earning assets | $46,401,670 | 5,651 |
| Average equity | $7,058,000 | 5,345 |
| Average total loans | $11,288,670 | 6,136 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7258% | 6,114 |
| Cost of funding earning assets | 0.2257% | 5,261 |
| Net interest margin | 2.5001% | 6,013 |
| Noninterest income to average assets | 0.5226% | 3,138 |
| Noninterest expense to average assets | 2.8152% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1349% | 5,820 |
| Return on assets (ROA) | 0.1349% | 5,886 |
| Pretax return on assets | 0.1349% | 5,917 |
| Return on Equity (ROE) | 0.8989% | 5,932 |
| Retained earnings to average equity (ytd only) | 0.7866% | 5,142 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4286% | 525 |
| Assets per employee ($millions) | 3.1158% | 5,526 |
| Cash dividends to net income (ytd only)* | 12.5000% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 2,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 23.2086% | 6,230 |
| Net loans and leases to deposits | 27.4914% | 6,226 |
| Net loans and leases to core deposits | 28.9053% | 6,223 |
| Total domestic deposits to total assets | 84.4213% | 3,646 |
| Equity capital to assets | 15.4289% | 640 |
| Core capital (leverage) ratio | 15.5377% | 528 |
| Tier 1 risk-based capital ratio | 45.0999% | 194 |
| Total risk-based capital ratio | 46.1296% | 196 |
| Memoranda: | ||
| Average total assets | $47,456,500 | 5,784 |
| Average earning assets | $46,079,000 | 5,707 |
| Average equity | $7,119,500 | 5,382 |
| Average total loans | $11,004,500 | 6,206 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5447% | 6,318 |
| Cost of funding earning assets | 0.2248% | 5,561 |
| Net interest margin | 2.3199% | 6,259 |
| Noninterest income to average assets | 0.5238% | 3,333 |
| Noninterest expense to average assets | 2.9705% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1943% | 6,204 |
| Return on assets (ROA) | -0.1943% | 6,202 |
| Pretax return on assets | -0.1943% | 6,187 |
| Return on Equity (ROE) | -1.2898% | 6,179 |
| Retained earnings to average equity (ytd only) | -1.5941% | 5,972 |
| Net charge-offs to loans | 0.0673% | 3,520 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -12.7143% | 4,924 |
| Efficiency ratio | 106.9969% | 251 |
| Assets per employee ($millions) | 3.2117% | 5,415 |
| Cash dividends to net income (ytd only)* | -23.5955% | 6,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 2,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 5,248 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 22.4635% | 6,339 |
| Net loans and leases to deposits | 26.3386% | 6,341 |
| Net loans and leases to core deposits | 27.6360% | 6,335 |
| Total domestic deposits to total assets | 85.2873% | 3,167 |
| Equity capital to assets | 14.5882% | 787 |
| Core capital (leverage) ratio | 15.6236% | 517 |
| Tier 1 risk-based capital ratio | 44.4099% | 185 |
| Total risk-based capital ratio | 45.4258% | 184 |
| Memoranda: | ||
| Average total assets | $45,817,000 | 5,884 |
| Average earning assets | $44,484,400 | 5,817 |
| Average equity | $6,900,400 | 5,436 |
| Average total loans | $10,400,600 | 6,305 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5174% | 6,405 |
| Cost of funding earning assets | 0.2278% | 5,613 |
| Net interest margin | 2.2896% | 6,343 |
| Noninterest income to average assets | 0.5631% | 3,115 |
| Noninterest expense to average assets | 2.8802% | 3,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0943% | 6,216 |
| Return on assets (ROA) | -0.0943% | 6,219 |
| Pretax return on assets | -0.0943% | 6,200 |
| Return on Equity (ROE) | -0.6212% | 6,202 |
| Retained earnings to average equity (ytd only) | -0.9707% | 5,959 |
| Net charge-offs to loans | 0.0910% | 2,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -4.5734% | 4,604 |
| Efficiency ratio | 103.3862% | 304 |
| Assets per employee ($millions) | 3.3375% | 5,172 |
| Cash dividends to net income (ytd only)* | -56.2456% | 6,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 2,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 23.2274% | 6,402 |
| Net loans and leases to deposits | 27.3955% | 6,401 |
| Net loans and leases to core deposits | 28.7962% | 6,401 |
| Total domestic deposits to total assets | 84.7854% | 3,427 |
| Equity capital to assets | 15.1461% | 708 |
| Core capital (leverage) ratio | 16.6307% | 409 |
| Tier 1 risk-based capital ratio | 48.6647% | 139 |
| Total risk-based capital ratio | 49.7181% | 141 |
| Memoranda: | ||
| Average total assets | $45,227,250 | 5,969 |
| Average earning assets | $43,906,750 | 5,902 |
| Average equity | $6,868,500 | 5,498 |
| Average total loans | $10,252,750 | 6,379 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4620% | 6,487 |
| Cost of funding earning assets | 0.2209% | 5,741 |
| Net interest margin | 2.2411% | 6,433 |
| Noninterest income to average assets | 0.5858% | 2,889 |
| Noninterest expense to average assets | 2.8349% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0715% | 6,242 |
| Return on assets (ROA) | -0.0715% | 6,254 |
| Pretax return on assets | -0.0715% | 6,239 |
| Return on Equity (ROE) | -0.4707% | 6,239 |
| Retained earnings to average equity (ytd only) | -0.9707% | 5,849 |
| Net charge-offs to loans | 0.1401% | 2,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -2.2857% | 4,250 |
| Efficiency ratio | 102.5890% | 344 |
| Assets per employee ($millions) | 3.3141% | 5,232 |
| Cash dividends to net income (ytd only)* | -106.2500% | 6,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 2,754 |
| Loan loss allowance to noncurrent loans | 180.8511% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 5,514 |
| Noncurrent loans to loans | 0.8470% | 3,587 |
| Net loans and leases to total assets | 23.5527% | 6,461 |
| Net loans and leases to deposits | 27.8293% | 6,463 |
| Net loans and leases to core deposits | 29.2646% | 6,459 |
| Total domestic deposits to total assets | 84.6330% | 3,669 |
| Equity capital to assets | 15.2873% | 641 |
| Core capital (leverage) ratio | 17.1694% | 352 |
| Tier 1 risk-based capital ratio | 48.9644% | 140 |
| Total risk-based capital ratio | 49.8352% | 139 |
| Memoranda: | ||
| Average total assets | $44,728,000 | 6,039 |
| Average earning assets | $43,461,330 | 5,961 |
| Average equity | $6,799,000 | 5,536 |
| Average total loans | $9,996,000 | 6,450 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4294% | 6,565 |
| Cost of funding earning assets | 0.2251% | 5,797 |
| Net interest margin | 2.2043% | 6,521 |
| Noninterest income to average assets | 0.5377% | 3,128 |
| Noninterest expense to average assets | 2.7339% | 3,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0547% | 6,250 |
| Return on assets (ROA) | -0.0547% | 6,258 |
| Pretax return on assets | -0.0547% | 6,249 |
| Return on Equity (ROE) | -0.3608% | 6,248 |
| Retained earnings to average equity (ytd only) | -1.1425% | 5,752 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0408% | 428 |
| Assets per employee ($millions) | 3.5029% | 4,914 |
| Cash dividends to net income (ytd only)* | -216.6667% | 6,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 1,987 |
| Loan loss allowance to noncurrent loans | 155.2632% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 5,438 |
| Noncurrent loans to loans | 1.1696% | 3,094 |
| Net loans and leases to total assets | 21.0154% | 6,560 |
| Net loans and leases to deposits | 24.6968% | 6,566 |
| Net loans and leases to core deposits | 26.3252% | 6,548 |
| Total domestic deposits to total assets | 85.0938% | 3,827 |
| Equity capital to assets | 14.8513% | 706 |
| Core capital (leverage) ratio | 18.2735% | 291 |
| Tier 1 risk-based capital ratio | 49.7257% | 137 |
| Total risk-based capital ratio | 50.8419% | 137 |
| Memoranda: | ||
| Average total assets | $43,893,000 | 6,121 |
| Average earning assets | $42,644,500 | 6,038 |
| Average equity | $6,652,000 | 5,603 |
| Average total loans | $9,445,000 | 6,535 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4860% | 6,618 |
| Cost of funding earning assets | 0.2372% | 6,049 |
| Net interest margin | 2.2487% | 6,554 |
| Noninterest income to average assets | 0.5762% | 3,239 |
| Noninterest expense to average assets | 2.5303% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2305% | 5,745 |
| Return on assets (ROA) | 0.2305% | 5,811 |
| Pretax return on assets | 0.2305% | 5,888 |
| Return on Equity (ROE) | 1.3388% | 6,017 |
| Retained earnings to average equity (ytd only) | 0.4323% | 5,654 |
| Net charge-offs to loans | 0.0999% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 2,332 |
| Efficiency ratio | 91.6522% | 897 |
| Assets per employee ($millions) | 3.5207% | 4,859 |
| Cash dividends to net income (ytd only)* | 67.7083% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9359% | 1,693 |
| Loan loss allowance to noncurrent loans | 141.6000% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 5,379 |
| Noncurrent loans to loans | 1.3672% | 2,850 |
| Net loans and leases to total assets | 21.2223% | 6,651 |
| Net loans and leases to deposits | 25.1409% | 6,650 |
| Net loans and leases to core deposits | 26.9516% | 6,639 |
| Total domestic deposits to total assets | 84.4135% | 4,009 |
| Equity capital to assets | 15.4824% | 597 |
| Core capital (leverage) ratio | 18.9005% | 245 |
| Tier 1 risk-based capital ratio | 56.7694% | 102 |
| Total risk-based capital ratio | 58.0191% | 98 |
| Memoranda: | ||
| Average total assets | $41,655,200 | 6,238 |
| Average earning assets | $40,467,000 | 6,156 |
| Average equity | $7,170,600 | 5,531 |
| Average total loans | $9,010,000 | 6,620 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4500% | 6,711 |
| Cost of funding earning assets | 0.2447% | 6,124 |
| Net interest margin | 2.2053% | 6,644 |
| Noninterest income to average assets | 0.5878% | 3,231 |
| Noninterest expense to average assets | 2.5569% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1735% | 5,978 |
| Return on assets (ROA) | 0.1735% | 6,050 |
| Pretax return on assets | 0.1735% | 6,085 |
| Return on Equity (ROE) | 0.9825% | 6,185 |
| Retained earnings to average equity (ytd only) | 0.1819% | 5,880 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6471% | 758 |
| Assets per employee ($millions) | 3.5566% | 4,740 |
| Cash dividends to net income (ytd only)* | 81.4861% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9253% | 1,923 |
| Loan loss allowance to noncurrent loans | 72.6563% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5998% | 4,638 |
| Noncurrent loans to loans | 2.6498% | 1,595 |
| Net loans and leases to total assets | 22.2006% | 6,715 |
| Net loans and leases to deposits | 26.2385% | 6,724 |
| Net loans and leases to core deposits | 28.3250% | 6,707 |
| Total domestic deposits to total assets | 84.6107% | 3,925 |
| Equity capital to assets | 15.2956% | 660 |
| Core capital (leverage) ratio | 18.5771% | 254 |
| Tier 1 risk-based capital ratio | 55.0604% | 110 |
| Total risk-based capital ratio | 56.3107% | 108 |
| Memoranda: | ||
| Average total assets | $41,507,000 | 6,310 |
| Average earning assets | $40,325,250 | 6,230 |
| Average equity | $7,328,000 | 5,553 |
| Average total loans | $8,976,750 | 6,694 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4974% | 6,737 |
| Cost of funding earning assets | 0.2452% | 6,208 |
| Net interest margin | 2.2521% | 6,655 |
| Noninterest income to average assets | 0.6129% | 3,113 |
| Noninterest expense to average assets | 2.5586% | 4,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2432% | 5,789 |
| Return on assets (ROA) | 0.2432% | 5,916 |
| Pretax return on assets | 0.2432% | 6,014 |
| Return on Equity (ROE) | 1.3167% | 6,140 |
| Retained earnings to average equity (ytd only) | 0.2107% | 5,792 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3194% | 953 |
| Assets per employee ($millions) | 2.9449% | 5,940 |
| Cash dividends to net income (ytd only)* | 84.0000% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1555% | 1,519 |
| Loan loss allowance to noncurrent loans | 178.8462% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 5,732 |
| Noncurrent loans to loans | 1.2052% | 3,543 |
| Net loans and leases to total assets | 20.4788% | 6,784 |
| Net loans and leases to deposits | 24.8119% | 6,794 |
| Net loans and leases to core deposits | 26.9117% | 6,765 |
| Total domestic deposits to total assets | 82.5361% | 4,873 |
| Equity capital to assets | 17.3038% | 390 |
| Core capital (leverage) ratio | 18.9494% | 233 |
| Tier 1 risk-based capital ratio | 60.6588% | 87 |
| Total risk-based capital ratio | 61.9132% | 86 |
| Memoranda: | ||
| Average total assets | $41,116,330 | 6,372 |
| Average earning assets | $39,962,000 | 6,283 |
| Average equity | $7,594,670 | 5,542 |
| Average total loans | $8,748,670 | 6,752 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5125% | 6,808 |
| Cost of funding earning assets | 0.2402% | 6,348 |
| Net interest margin | 2.2723% | 6,703 |
| Noninterest income to average assets | 0.6722% | 2,745 |
| Noninterest expense to average assets | 2.5328% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3507% | 5,344 |
| Return on assets (ROA) | 0.3507% | 5,486 |
| Pretax return on assets | 0.3507% | 5,716 |
| Return on Equity (ROE) | 1.8403% | 5,992 |
| Retained earnings to average equity (ytd only) | 1.8403% | 5,076 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8378% | 1,345 |
| Assets per employee ($millions) | 3.1613% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1777% | 1,630 |
| Loan loss allowance to noncurrent loans | 145.3125% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 5,647 |
| Noncurrent loans to loans | 1.4987% | 3,309 |
| Net loans and leases to total assets | 20.3300% | 6,851 |
| Net loans and leases to deposits | 25.1180% | 6,843 |
| Net loans and leases to core deposits | 27.5189% | 6,809 |
| Total domestic deposits to total assets | 80.9378% | 5,516 |
| Equity capital to assets | 18.9698% | 275 |
| Core capital (leverage) ratio | 19.2903% | 224 |
| Tier 1 risk-based capital ratio | 60.9305% | 88 |
| Total risk-based capital ratio | 62.1861% | 88 |
| Memoranda: | ||
| Average total assets | $41,060,500 | 6,435 |
| Average earning assets | $39,960,000 | 6,337 |
| Average equity | $7,825,000 | 5,531 |
| Average total loans | $8,808,500 | 6,821 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5523% | 6,920 |
| Cost of funding earning assets | 0.2590% | 6,636 |
| Net interest margin | 2.2933% | 6,841 |
| Noninterest income to average assets | 0.6752% | 2,854 |
| Noninterest expense to average assets | 2.6155% | 4,692 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2828% | 5,529 |
| Return on assets (ROA) | 0.2828% | 5,744 |
| Pretax return on assets | 0.2828% | 5,851 |
| Return on Equity (ROE) | 1.4619% | 6,024 |
| Retained earnings to average equity (ytd only) | 0.6049% | 5,550 |
| Net charge-offs to loans | 0.0658% | 5,027 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 23.2000% | 1,228 |
| Efficiency ratio | 90.2439% | 1,045 |
| Assets per employee ($millions) | 3.1557% | 5,726 |
| Cash dividends to net income (ytd only)* | 58.6207% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0604% | 1,858 |
| Loan loss allowance to noncurrent loans | 242.8571% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 6,094 |
| Noncurrent loans to loans | 0.8484% | 4,489 |
| Net loans and leases to total assets | 21.6678% | 6,902 |
| Net loans and leases to deposits | 26.8542% | 6,893 |
| Net loans and leases to core deposits | 29.4309% | 6,859 |
| Total domestic deposits to total assets | 80.6869% | 5,491 |
| Equity capital to assets | 19.1449% | 257 |
| Core capital (leverage) ratio | 19.3384% | 221 |
| Tier 1 risk-based capital ratio | 55.2561% | 117 |
| Total risk-based capital ratio | 56.5053% | 116 |
| Memoranda: | ||
| Average total assets | $41,024,800 | 6,470 |
| Average earning assets | $39,768,600 | 6,368 |
| Average equity | $7,935,000 | 5,525 |
| Average total loans | $7,595,800 | 6,931 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5135% | 7,047 |
| Cost of funding earning assets | 0.2618% | 6,763 |
| Net interest margin | 2.2517% | 6,968 |
| Noninterest income to average assets | 0.6890% | 2,762 |
| Noninterest expense to average assets | 2.6715% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1982% | 5,923 |
| Return on assets (ROA) | 0.1982% | 6,090 |
| Pretax return on assets | 0.1982% | 6,127 |
| Return on Equity (ROE) | 1.0223% | 6,242 |
| Retained earnings to average equity (ytd only) | 0.3184% | 5,989 |
| Net charge-offs to loans | 0.0923% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 12.1934% | 2,018 |
| Efficiency ratio | 93.0917% | 829 |
| Assets per employee ($millions) | 3.1700% | 5,690 |
| Cash dividends to net income (ytd only)* | 68.8553% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3097% | 1,498 |
| Loan loss allowance to noncurrent loans | 103.3333% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 5,580 |
| Noncurrent loans to loans | 2.2352% | 2,574 |
| Net loans and leases to total assets | 19.0900% | 7,041 |
| Net loans and leases to deposits | 23.6723% | 7,044 |
| Net loans and leases to core deposits | 25.9312% | 7,018 |
| Total domestic deposits to total assets | 80.6430% | 5,471 |
| Equity capital to assets | 19.1944% | 285 |
| Core capital (leverage) ratio | 19.2324% | 241 |
| Tier 1 risk-based capital ratio | 62.0078% | 89 |
| Total risk-based capital ratio | 63.2607% | 89 |
| Memoranda: | ||
| Average total assets | $41,025,000 | 6,549 |
| Average earning assets | $39,731,250 | 6,446 |
| Average equity | $7,955,250 | 5,573 |
| Average total loans | $7,225,750 | 7,035 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5131% | 7,120 |
| Cost of funding earning assets | 0.2675% | 6,842 |
| Net interest margin | 2.2456% | 7,031 |
| Noninterest income to average assets | 0.6347% | 3,039 |
| Noninterest expense to average assets | 2.6658% | 4,554 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1416% | 6,065 |
| Return on assets (ROA) | 0.1416% | 6,228 |
| Pretax return on assets | 0.1416% | 6,237 |
| Return on Equity (ROE) | 0.7277% | 6,347 |
| Retained earnings to average equity (ytd only) | 0.0251% | 6,026 |
| Net charge-offs to loans | 0.1439% | 3,766 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.8000% | 2,752 |
| Efficiency ratio | 94.9565% | 759 |
| Assets per employee ($millions) | 3.0875% | 5,876 |
| Cash dividends to net income (ytd only)* | 96.5517% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6019% | 1,150 |
| Loan loss allowance to noncurrent loans | 174.7664% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7325% | 4,959 |
| Noncurrent loans to loans | 1.4888% | 3,675 |
| Net loans and leases to total assets | 17.4398% | 7,115 |
| Net loans and leases to deposits | 21.8184% | 7,116 |
| Net loans and leases to core deposits | 23.9775% | 7,103 |
| Total domestic deposits to total assets | 79.9317% | 5,757 |
| Equity capital to assets | 19.8615% | 243 |
| Core capital (leverage) ratio | 19.6563% | 223 |
| Tier 1 risk-based capital ratio | 67.1709% | 78 |
| Total risk-based capital ratio | 68.4215% | 77 |
| Memoranda: | ||
| Average total assets | $40,963,330 | 6,594 |
| Average earning assets | $39,632,330 | 6,489 |
| Average equity | $7,970,330 | 5,583 |
| Average total loans | $6,950,000 | 7,103 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4468% | 7,184 |
| Cost of funding earning assets | 0.2696% | 6,950 |
| Net interest margin | 2.1771% | 7,102 |
| Noninterest income to average assets | 0.6187% | 3,114 |
| Noninterest expense to average assets | 2.6005% | 4,811 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1257% | 6,180 |
| Return on assets (ROA) | 0.1257% | 6,308 |
| Pretax return on assets | 0.1257% | 6,342 |
| Return on Equity (ROE) | 0.6525% | 6,410 |
| Retained earnings to average equity (ytd only) | -0.0502% | 5,996 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3901% | 749 |
| Assets per employee ($millions) | 2.9371% | 6,276 |
| Cash dividends to net income (ytd only)* | 107.6923% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7000% | 1,114 |
| Loan loss allowance to noncurrent loans | 207.6087% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 5,192 |
| Noncurrent loans to loans | 1.3005% | 4,169 |
| Net loans and leases to total assets | 16.7388% | 7,183 |
| Net loans and leases to deposits | 20.7795% | 7,180 |
| Net loans and leases to core deposits | 22.7620% | 7,168 |
| Total domestic deposits to total assets | 80.5545% | 5,711 |
| Equity capital to assets | 19.2753% | 261 |
| Core capital (leverage) ratio | 19.2054% | 234 |
| Tier 1 risk-based capital ratio | 64.5468% | 80 |
| Total risk-based capital ratio | 65.7976% | 79 |
| Memoranda: | ||
| Average total assets | $41,376,000 | 6,629 |
| Average earning assets | $40,052,500 | 6,521 |
| Average equity | $7,969,500 | 5,609 |
| Average total loans | $6,831,500 | 7,170 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9593% | 7,183 |
| Cost of funding earning assets | 0.3152% | 7,081 |
| Net interest margin | 2.6441% | 6,976 |
| Noninterest income to average assets | 0.6974% | 2,615 |
| Noninterest expense to average assets | 2.8021% | 4,338 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4507% | 4,638 |
| Return on assets (ROA) | 0.4507% | 4,849 |
| Pretax return on assets | 0.4507% | 5,127 |
| Return on Equity (ROE) | 2.3680% | 5,522 |
| Retained earnings to average equity (ytd only) | 0.6482% | 5,542 |
| Net charge-offs to loans | -0.0714% | 7,096 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1455% | 1,549 |
| Assets per employee ($millions) | 2.7755% | 6,493 |
| Cash dividends to net income (ytd only)* | 72.6257% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8988% | 891 |
| Loan loss allowance to noncurrent loans | 222.0930% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 5,329 |
| Noncurrent loans to loans | 1.3052% | 4,196 |
| Net loans and leases to total assets | 15.3680% | 7,258 |
| Net loans and leases to deposits | 19.0752% | 7,260 |
| Net loans and leases to core deposits | 20.8669% | 7,244 |
| Total domestic deposits to total assets | 80.5654% | 5,573 |
| Equity capital to assets | 19.2472% | 272 |
| Core capital (leverage) ratio | 19.4227% | 223 |
| Tier 1 risk-based capital ratio | 68.0219% | 75 |
| Total risk-based capital ratio | 69.2973% | 75 |
| Memoranda: | ||
| Average total assets | $39,719,800 | 6,688 |
| Average earning assets | $38,387,400 | 6,587 |
| Average equity | $7,559,000 | 5,697 |
| Average total loans | $7,006,200 | 7,211 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1025% | 7,231 |
| Cost of funding earning assets | 0.3271% | 7,167 |
| Net interest margin | 2.7754% | 6,916 |
| Noninterest income to average assets | 0.7135% | 2,519 |
| Noninterest expense to average assets | 2.9186% | 3,841 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4757% | 4,655 |
| Return on assets (ROA) | 0.4757% | 4,849 |
| Pretax return on assets | 0.4757% | 5,239 |
| Return on Equity (ROE) | 2.5070% | 5,621 |
| Retained earnings to average equity (ytd only) | 0.3761% | 5,840 |
| Net charge-offs to loans | -0.0938% | 7,156 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9860% | 1,530 |
| Assets per employee ($millions) | 2.6741% | 6,688 |
| Cash dividends to net income (ytd only)* | 84.9995% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7741% | 1,056 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 5,896 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 16.6887% | 7,326 |
| Net loans and leases to deposits | 20.9168% | 7,321 |
| Net loans and leases to core deposits | 22.9797% | 7,305 |
| Total domestic deposits to total assets | 79.7861% | 5,798 |
| Equity capital to assets | 20.0194% | 242 |
| Core capital (leverage) ratio | 19.5732% | 236 |
| Tier 1 risk-based capital ratio | 72.1742% | 76 |
| Total risk-based capital ratio | 73.4311% | 76 |
| Memoranda: | ||
| Average total assets | $39,241,750 | 6,761 |
| Average earning assets | $37,904,000 | 6,663 |
| Average equity | $7,445,500 | 5,766 |
| Average total loans | $7,110,500 | 7,279 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1903% | 7,286 |
| Cost of funding earning assets | 0.3297% | 7,261 |
| Net interest margin | 2.8607% | 6,848 |
| Noninterest income to average assets | 0.6932% | 2,593 |
| Noninterest expense to average assets | 2.9934% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4621% | 4,669 |
| Return on assets (ROA) | 0.4621% | 4,801 |
| Pretax return on assets | 0.4621% | 5,185 |
| Return on Equity (ROE) | 2.4825% | 5,611 |
| Retained earnings to average equity (ytd only) | 0.3310% | 5,714 |
| Net charge-offs to loans | -0.1392% | 7,239 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6270% | 1,539 |
| Assets per employee ($millions) | 2.6394% | 6,734 |
| Cash dividends to net income (ytd only)* | 86.6667% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7131% | 1,168 |
| Loan loss allowance to noncurrent loans | 434.0909% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.5683% | 5,784 |
| Noncurrent loans to loans | 0.6250% | 5,675 |
| Net loans and leases to total assets | 17.2994% | 7,398 |
| Net loans and leases to deposits | 21.5445% | 7,397 |
| Net loans and leases to core deposits | 23.2809% | 7,385 |
| Total domestic deposits to total assets | 80.2960% | 5,741 |
| Equity capital to assets | 19.4438% | 292 |
| Core capital (leverage) ratio | 20.0542% | 223 |
| Tier 1 risk-based capital ratio | 66.1096% | 89 |
| Total risk-based capital ratio | 67.3630% | 88 |
| Memoranda: | ||
| Average total assets | $38,952,000 | 6,824 |
| Average earning assets | $37,613,670 | 6,738 |
| Average equity | $7,250,670 | 5,853 |
| Average total loans | $7,185,670 | 7,350 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2787% | 7,313 |
| Cost of funding earning assets | 0.3322% | 7,348 |
| Net interest margin | 2.9465% | 6,680 |
| Noninterest income to average assets | 0.7041% | 2,553 |
| Noninterest expense to average assets | 3.0234% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5281% | 4,366 |
| Return on assets (ROA) | 0.5281% | 4,449 |
| Pretax return on assets | 0.5281% | 4,932 |
| Return on Equity (ROE) | 2.9031% | 5,419 |
| Retained earnings to average equity (ytd only) | 0.6831% | 5,552 |
| Net charge-offs to loans | -0.2755% | 7,327 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1312% | 1,823 |
| Assets per employee ($millions) | 2.5792% | 6,874 |
| Cash dividends to net income (ytd only)* | 76.4706% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6579% | 1,248 |
| Loan loss allowance to noncurrent loans | 4,775.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.4782% | 6,031 |
| Noncurrent loans to loans | 0.0557% | 6,903 |
| Net loans and leases to total assets | 18.0805% | 7,451 |
| Net loans and leases to deposits | 22.3840% | 7,450 |
| Net loans and leases to core deposits | 24.2167% | 7,438 |
| Total domestic deposits to total assets | 80.7744% | 5,728 |
| Equity capital to assets | 19.0059% | 306 |
| Core capital (leverage) ratio | 20.2903% | 216 |
| Tier 1 risk-based capital ratio | 64.5035% | 88 |
| Total risk-based capital ratio | 65.7590% | 88 |
| Memoranda: | ||
| Average total assets | $38,632,500 | 6,884 |
| Average earning assets | $37,332,000 | 6,794 |
| Average equity | $7,027,000 | 5,920 |
| Average total loans | $7,258,500 | 7,408 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3499% | 7,428 |
| Cost of funding earning assets | 0.3839% | 7,442 |
| Net interest margin | 2.9660% | 6,798 |
| Noninterest income to average assets | 0.7031% | 2,827 |
| Noninterest expense to average assets | 3.0817% | 3,538 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4862% | 4,165 |
| Return on assets (ROA) | 0.4862% | 4,320 |
| Pretax return on assets | 0.4888% | 4,657 |
| Return on Equity (ROE) | 2.4020% | 5,219 |
| Retained earnings to average equity (ytd only) | 0.4003% | 5,378 |
| Net charge-offs to loans | 0.4117% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,565 |
| Efficiency ratio | 86.3104% | 1,659 |
| Assets per employee ($millions) | 2.5718% | 6,898 |
| Cash dividends to net income (ytd only)* | 83.3333% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5235% | 1,384 |
| Loan loss allowance to noncurrent loans | 64.9123% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 5,527 |
| Noncurrent loans to loans | 3.8876% | 1,885 |
| Net loans and leases to total assets | 18.5240% | 7,530 |
| Net loans and leases to deposits | 22.4809% | 7,538 |
| Net loans and leases to core deposits | 24.2863% | 7,528 |
| Total domestic deposits to total assets | 82.3988% | 5,061 |
| Equity capital to assets | 17.3705% | 416 |
| Core capital (leverage) ratio | 19.6083% | 251 |
| Tier 1 risk-based capital ratio | 63.1667% | 94 |
| Total risk-based capital ratio | 64.4542% | 93 |
| Memoranda: | ||
| Average total assets | $38,258,400 | 6,926 |
| Average earning assets | $36,986,400 | 6,840 |
| Average equity | $7,743,400 | 5,792 |
| Average total loans | $8,015,200 | 7,465 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3933% | 7,561 |
| Cost of funding earning assets | 0.3939% | 7,576 |
| Net interest margin | 2.9994% | 6,835 |
| Noninterest income to average assets | 0.7159% | 2,733 |
| Noninterest expense to average assets | 3.1151% | 3,268 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4959% | 4,335 |
| Return on assets (ROA) | 0.4959% | 4,531 |
| Pretax return on assets | 0.4994% | 4,928 |
| Return on Equity (ROE) | 2.3654% | 5,472 |
| Retained earnings to average equity (ytd only) | 0.4332% | 5,623 |
| Net charge-offs to loans | 0.0489% | 6,032 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 47.6650% | 588 |
| Efficiency ratio | 86.1836% | 1,617 |
| Assets per employee ($millions) | 2.9016% | 6,370 |
| Cash dividends to net income (ytd only)* | 81.6881% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9297% | 875 |
| Loan loss allowance to noncurrent loans | 109.0452% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 6,204 |
| Noncurrent loans to loans | 2.6866% | 2,946 |
| Net loans and leases to total assets | 17.6998% | 7,639 |
| Net loans and leases to deposits | 22.2071% | 7,648 |
| Net loans and leases to core deposits | 23.9499% | 7,638 |
| Total domestic deposits to total assets | 79.7031% | 5,806 |
| Equity capital to assets | 20.0901% | 282 |
| Core capital (leverage) ratio | 19.2705% | 284 |
| Tier 1 risk-based capital ratio | 64.0822% | 94 |
| Total risk-based capital ratio | 65.3406% | 95 |
| Memoranda: | ||
| Average total assets | $38,178,750 | 7,011 |
| Average earning assets | $36,895,250 | 6,923 |
| Average equity | $8,004,000 | 5,790 |
| Average total loans | $8,186,250 | 7,561 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4899% | 7,611 |
| Cost of funding earning assets | 0.4050% | 7,653 |
| Net interest margin | 3.0849% | 6,641 |
| Noninterest income to average assets | 0.7494% | 2,397 |
| Noninterest expense to average assets | 3.2116% | 2,861 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5085% | 4,287 |
| Return on assets (ROA) | 0.5085% | 4,436 |
| Pretax return on assets | 0.5139% | 4,865 |
| Return on Equity (ROE) | 2.3894% | 5,505 |
| Retained earnings to average equity (ytd only) | 0.4276% | 5,596 |
| Net charge-offs to loans | 0.0947% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,091 |
| Efficiency ratio | 86.2069% | 1,685 |
| Assets per employee ($millions) | 2.8386% | 6,487 |
| Cash dividends to net income (ytd only)* | 82.1053% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6342% | 1,159 |
| Loan loss allowance to noncurrent loans | 19.2480% | 6,987 |
| Noncurrent assets plus other real estate owned to assets | 2.8108% | 2,571 |
| Noncurrent loans to loans | 13.6854% | 208 |
| Net loans and leases to total assets | 19.9975% | 7,694 |
| Net loans and leases to deposits | 25.2286% | 7,694 |
| Net loans and leases to core deposits | 27.5021% | 7,682 |
| Total domestic deposits to total assets | 79.2652% | 5,952 |
| Equity capital to assets | 20.4781% | 264 |
| Core capital (leverage) ratio | 20.3736% | 226 |
| Tier 1 risk-based capital ratio | 63.8284% | 98 |
| Total risk-based capital ratio | 65.0830% | 99 |
| Memoranda: | ||
| Average total assets | $37,364,330 | 7,097 |
| Average earning assets | $36,047,000 | 7,003 |
| Average equity | $7,951,670 | 5,824 |
| Average total loans | $8,446,000 | 7,609 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 7,673 |
| Cost of funding earning assets | 0.4127% | 7,765 |
| Net interest margin | 3.1987% | 6,301 |
| Noninterest income to average assets | 0.7187% | 2,476 |
| Noninterest expense to average assets | 3.2176% | 2,790 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5860% | 3,956 |
| Return on assets (ROA) | 0.5860% | 4,102 |
| Pretax return on assets | 0.5860% | 4,668 |
| Return on Equity (ROE) | 2.6977% | 5,479 |
| Retained earnings to average equity (ytd only) | 0.7126% | 5,538 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5930% | 1,968 |
| Assets per employee ($millions) | 2.5493% | 7,127 |
| Cash dividends to net income (ytd only)* | 73.5849% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5957% | 1,184 |
| Loan loss allowance to noncurrent loans | 93.5897% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 5,877 |
| Noncurrent loans to loans | 2.7735% | 2,884 |
| Net loans and leases to total assets | 23.0261% | 7,743 |
| Net loans and leases to deposits | 29.6818% | 7,734 |
| Net loans and leases to core deposits | 32.4271% | 7,711 |
| Total domestic deposits to total assets | 77.5764% | 6,433 |
| Equity capital to assets | 22.2471% | 200 |
| Core capital (leverage) ratio | 22.2113% | 181 |
| Tier 1 risk-based capital ratio | 66.8788% | 92 |
| Total risk-based capital ratio | 68.1344% | 91 |
| Memoranda: | ||
| Average total assets | $36,176,500 | 7,224 |
| Average earning assets | $34,889,500 | 7,132 |
| Average equity | $7,858,500 | 5,892 |
| Average total loans | $8,588,000 | 7,701 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 7,673 |
| Cost of funding earning assets | 0.5806% | 7,783 |
| Net interest margin | 3.4622% | 5,120 |
| Noninterest income to average assets | 0.7834% | 2,488 |
| Noninterest expense to average assets | 3.2994% | 3,008 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7548% | 2,698 |
| Return on assets (ROA) | 0.7548% | 2,793 |
| Pretax return on assets | 0.7405% | 3,442 |
| Return on Equity (ROE) | 3.3343% | 4,365 |
| Retained earnings to average equity (ytd only) | 1.3767% | 4,095 |
| Net charge-offs to loans | 0.1321% | 5,875 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 21.5833% | 995 |
| Efficiency ratio | 81.6702% | 2,648 |
| Assets per employee ($millions) | 2.6188% | 7,005 |
| Cash dividends to net income (ytd only)* | 58.7121% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5060% | 1,218 |
| Loan loss allowance to noncurrent loans | 96.4758% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 5,905 |
| Noncurrent loans to loans | 2.5976% | 2,960 |
| Net loans and leases to total assets | 23.2387% | 7,824 |
| Net loans and leases to deposits | 29.5916% | 7,817 |
| Net loans and leases to core deposits | 35.2153% | 7,819 |
| Total domestic deposits to total assets | 78.5315% | 6,110 |
| Equity capital to assets | 21.2121% | 241 |
| Core capital (leverage) ratio | 21.4549% | 224 |
| Tier 1 risk-based capital ratio | 62.9067% | 103 |
| Total risk-based capital ratio | 64.1618% | 103 |
| Memoranda: | ||
| Average total assets | $34,976,200 | 7,282 |
| Average earning assets | $32,897,800 | 7,233 |
| Average equity | $7,917,600 | 5,953 |
| Average total loans | $9,084,600 | 7,737 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 7,744 |
| Cost of funding earning assets | 0.6153% | 7,879 |
| Net interest margin | 3.5475% | 4,679 |
| Noninterest income to average assets | 0.7949% | 2,457 |
| Noninterest expense to average assets | 3.3955% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7331% | 3,081 |
| Return on assets (ROA) | 0.7331% | 3,149 |
| Pretax return on assets | 0.7138% | 3,805 |
| Return on Equity (ROE) | 3.1854% | 4,708 |
| Retained earnings to average equity (ytd only) | 1.2406% | 4,631 |
| Net charge-offs to loans | 0.1745% | 4,998 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 15.4163% | 1,536 |
| Efficiency ratio | 82.6291% | 2,494 |
| Assets per employee ($millions) | 2.3823% | 7,400 |
| Cash dividends to net income (ytd only)* | 61.0508% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3968% | 1,170 |
| Loan loss allowance to noncurrent loans | 127.3256% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 6,263 |
| Noncurrent loans to loans | 1.8825% | 3,794 |
| Net loans and leases to total assets | 24.9559% | 7,885 |
| Net loans and leases to deposits | 32.2625% | 7,883 |
| Net loans and leases to core deposits | 38.5011% | 7,868 |
| Total domestic deposits to total assets | 77.3527% | 6,246 |
| Equity capital to assets | 22.3954% | 235 |
| Core capital (leverage) ratio | 22.2655% | 229 |
| Tier 1 risk-based capital ratio | 63.5125% | 107 |
| Total risk-based capital ratio | 64.7693% | 106 |
| Memoranda: | ||
| Average total assets | $34,554,500 | 7,360 |
| Average earning assets | $32,284,500 | 7,314 |
| Average equity | $7,952,750 | 5,996 |
| Average total loans | $9,171,000 | 7,809 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 7,713 |
| Cost of funding earning assets | 0.6601% | 7,947 |
| Net interest margin | 3.7324% | 3,823 |
| Noninterest income to average assets | 0.8255% | 2,292 |
| Noninterest expense to average assets | 3.4835% | 2,390 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8138% | 2,802 |
| Return on assets (ROA) | 0.8138% | 2,898 |
| Pretax return on assets | 0.7845% | 3,722 |
| Return on Equity (ROE) | 3.5030% | 4,712 |
| Retained earnings to average equity (ytd only) | 1.5373% | 4,471 |
| Net charge-offs to loans | 0.0218% | 6,197 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 296 |
| Efficiency ratio | 81.6187% | 2,775 |
| Assets per employee ($millions) | 2.3832% | 7,456 |
| Cash dividends to net income (ytd only)* | 56.1151% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4959% | 905 |
| Loan loss allowance to noncurrent loans | 287.5000% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 6,892 |
| Noncurrent loans to loans | 0.8681% | 5,478 |
| Net loans and leases to total assets | 26.9294% | 7,948 |
| Net loans and leases to deposits | 35.4676% | 7,911 |
| Net loans and leases to core deposits | 42.1930% | 7,904 |
| Total domestic deposits to total assets | 75.9269% | 6,568 |
| Equity capital to assets | 23.7285% | 234 |
| Core capital (leverage) ratio | 23.0946% | 246 |
| Tier 1 risk-based capital ratio | 64.5617% | 117 |
| Total risk-based capital ratio | 65.8164% | 115 |
| Memoranda: | ||
| Average total assets | $34,161,000 | 7,443 |
| Average earning assets | $31,508,000 | 7,416 |
| Average equity | $7,936,000 | 6,042 |
| Average total loans | $9,182,330 | 7,893 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 7,761 |
| Cost of funding earning assets | 0.6747% | 8,006 |
| Net interest margin | 3.7731% | 3,574 |
| Noninterest income to average assets | 0.7639% | 2,514 |
| Noninterest expense to average assets | 3.4145% | 2,313 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9028% | 2,695 |
| Return on assets (ROA) | 0.9028% | 2,846 |
| Pretax return on assets | 0.8449% | 3,905 |
| Return on Equity (ROE) | 3.9268% | 4,963 |
| Retained earnings to average equity (ytd only) | 1.9634% | 4,764 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1630% | 2,790 |
| Assets per employee ($millions) | 2.2576% | 7,639 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5177% | 751 |
| Loan loss allowance to noncurrent loans | 296.1538% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 6,832 |
| Noncurrent loans to loans | 0.8501% | 5,325 |
| Net loans and leases to total assets | 26.4115% | 7,995 |
| Net loans and leases to deposits | 34.7057% | 7,970 |
| Net loans and leases to core deposits | 42.2984% | 7,937 |
| Total domestic deposits to total assets | 76.1015% | 6,488 |
| Equity capital to assets | 23.6180% | 258 |
| Core capital (leverage) ratio | 23.4682% | 270 |
| Tier 1 risk-based capital ratio | 64.3771% | 127 |
| Total risk-based capital ratio | 65.6320% | 126 |
| Memoranda: | ||
| Average total assets | $34,559,000 | 7,468 |
| Average earning assets | $32,016,500 | 7,441 |
| Average equity | $7,945,500 | 6,078 |
| Average total loans | $9,166,000 | 7,944 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7279% | 7,967 |
| Cost of funding earning assets | 1.0634% | 8,026 |
| Net interest margin | 3.6645% | 4,624 |
| Noninterest income to average assets | 0.8137% | 2,433 |
| Noninterest expense to average assets | 3.4159% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8286% | 3,320 |
| Return on assets (ROA) | 0.8286% | 3,156 |
| Pretax return on assets | 0.8286% | 3,965 |
| Return on Equity (ROE) | 3.6198% | 4,988 |
| Retained earnings to average equity (ytd only) | 0.0130% | 5,233 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4775% | 2,531 |
| Assets per employee ($millions) | 2.2034% | 7,703 |
| Cash dividends to net income (ytd only)* | 99.6403% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5227% | 661 |
| Loan loss allowance to noncurrent loans | 296.1538% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 6,686 |
| Noncurrent loans to loans | 0.8518% | 4,920 |
| Net loans and leases to total assets | 25.3191% | 8,081 |
| Net loans and leases to deposits | 32.7800% | 8,085 |
| Net loans and leases to core deposits | 39.1766% | 8,064 |
| Total domestic deposits to total assets | 77.2395% | 5,933 |
| Equity capital to assets | 22.3889% | 334 |
| Core capital (leverage) ratio | 22.5100% | 321 |
| Tier 1 risk-based capital ratio | 62.8541% | 146 |
| Total risk-based capital ratio | 64.1042% | 144 |
| Memoranda: | ||
| Average total assets | $33,549,400 | 7,483 |
| Average earning assets | $31,409,600 | 7,441 |
| Average equity | $7,680,000 | 6,220 |
| Average total loans | $8,710,000 | 8,005 |