Home > Adams County Building and Loan Company > Performance and Condition Ratios
Adams County Building and Loan Company, Performance and Condition Ratios
| 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 | 4.9450% | 790 |
| Cost of funding earning assets | 0.5958% | 2,085 |
| Net interest margin | 4.3492% | 857 |
| Noninterest income to average assets | 0.0550% | 5,465 |
| Noninterest expense to average assets | 3.2261% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8432% | 3,535 |
| Return on assets (ROA) | 0.8432% | 3,552 |
| Pretax return on assets | 0.8432% | 4,043 |
| Return on Equity (ROE) | 4.1818% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.1818% | 3,517 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2793% | 1,226 |
| Assets per employee ($millions) | 4.3142% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 2,059 |
| Loan loss allowance to noncurrent loans | 32.3920% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 3.7040% | 185 |
| Noncurrent loans to loans | 4.1349% | 234 |
| Net loans and leases to total assets | 66.5894% | 2,954 |
| Net loans and leases to deposits | 84.1476% | 2,376 |
| Net loans and leases to core deposits | 84.1476% | 2,968 |
| Total domestic deposits to total assets | 79.1340% | 4,562 |
| Equity capital to assets | 20.6017% | 195 |
| Core capital (leverage) ratio | 20.4697% | 197 |
| Tier 1 risk-based capital ratio | 39.2321% | 237 |
| Total risk-based capital ratio | 40.4943% | 233 |
| Memoranda: | ||
| Average total assets | $21,822,000 | 5,519 |
| Average earning assets | $20,141,500 | 5,504 |
| Average equity | $4,400,000 | 5,302 |
| Average total loans | $14,512,500 | 5,388 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 1,179 |
| Cost of funding earning assets | 0.6108% | 1,530 |
| Net interest margin | 4.0973% | 1,449 |
| Noninterest income to average assets | 0.0790% | 5,464 |
| Noninterest expense to average assets | 3.3165% | 1,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4431% | 4,556 |
| Return on assets (ROA) | 0.4431% | 4,583 |
| Pretax return on assets | 0.5878% | 4,764 |
| Return on Equity (ROE) | 2.3382% | 4,988 |
| Retained earnings to average equity (ytd only) | 2.3382% | 3,924 |
| Net charge-offs to loans | 0.0350% | 3,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 1,657 |
| Efficiency ratio | 84.9438% | 706 |
| Assets per employee ($millions) | 4.4146% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 1,981 |
| Loan loss allowance to noncurrent loans | 31.1005% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 3.7376% | 170 |
| Noncurrent loans to loans | 4.3343% | 200 |
| Net loans and leases to total assets | 64.6536% | 3,277 |
| Net loans and leases to deposits | 80.8601% | 2,831 |
| Net loans and leases to core deposits | 80.8601% | 3,350 |
| Total domestic deposits to total assets | 79.9574% | 4,342 |
| Equity capital to assets | 19.7345% | 218 |
| Core capital (leverage) ratio | 19.5920% | 211 |
| Tier 1 risk-based capital ratio | 38.8227% | 240 |
| Total risk-based capital ratio | 40.0847% | 233 |
| Memoranda: | ||
| Average total assets | $22,795,400 | 5,576 |
| Average earning assets | $21,282,200 | 5,551 |
| Average equity | $4,319,600 | 5,372 |
| Average total loans | $14,299,200 | 5,457 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 1,337 |
| Cost of funding earning assets | 0.6059% | 1,489 |
| Net interest margin | 4.0067% | 1,676 |
| Noninterest income to average assets | 0.0870% | 5,516 |
| Noninterest expense to average assets | 3.2323% | 1,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4701% | 4,823 |
| Return on assets (ROA) | 0.4701% | 4,860 |
| Pretax return on assets | 0.6151% | 4,813 |
| Return on Equity (ROE) | 2.5055% | 5,222 |
| Retained earnings to average equity (ytd only) | 2.5055% | 4,393 |
| Net charge-offs to loans | 0.0468% | 2,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 21.1889% | 1,923 |
| Efficiency ratio | 84.0121% | 751 |
| Assets per employee ($millions) | 4.5178% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 2,002 |
| Loan loss allowance to noncurrent loans | 18.6961% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 5.4938% | 84 |
| Noncurrent loans to loans | 7.3523% | 63 |
| Net loans and leases to total assets | 61.9372% | 3,656 |
| Net loans and leases to deposits | 77.0217% | 3,269 |
| Net loans and leases to core deposits | 77.0217% | 3,726 |
| Total domestic deposits to total assets | 80.4152% | 4,226 |
| Equity capital to assets | 19.2793% | 259 |
| Core capital (leverage) ratio | 19.1475% | 245 |
| Tier 1 risk-based capital ratio | 37.8805% | 260 |
| Total risk-based capital ratio | 39.1394% | 253 |
| Memoranda: | ||
| Average total assets | $22,976,000 | 5,636 |
| Average earning assets | $21,563,500 | 5,613 |
| Average equity | $4,310,500 | 5,432 |
| Average total loans | $14,257,500 | 5,518 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 1,256 |
| Cost of funding earning assets | 0.5987% | 1,457 |
| Net interest margin | 3.9974% | 1,614 |
| Noninterest income to average assets | 0.1038% | 5,502 |
| Noninterest expense to average assets | 3.2166% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6399% | 4,128 |
| Return on assets (ROA) | 0.6399% | 4,174 |
| Pretax return on assets | 0.6399% | 4,722 |
| Return on Equity (ROE) | 3.4257% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.4257% | 3,672 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4081% | 886 |
| Assets per employee ($millions) | 4.5960% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 2,003 |
| Loan loss allowance to noncurrent loans | 21.3220% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 4.9434% | 108 |
| Noncurrent loans to loans | 6.5040% | 85 |
| Net loans and leases to total assets | 61.8886% | 3,642 |
| Net loans and leases to deposits | 76.5612% | 3,278 |
| Net loans and leases to core deposits | 76.5612% | 3,724 |
| Total domestic deposits to total assets | 80.8355% | 4,225 |
| Equity capital to assets | 18.9208% | 265 |
| Core capital (leverage) ratio | 19.1103% | 235 |
| Tier 1 risk-based capital ratio | 26.3250% | 653 |
| Total risk-based capital ratio | 27.5254% | 637 |
| Memoranda: | ||
| Average total assets | $23,130,330 | 5,679 |
| Average earning assets | $21,714,000 | 5,655 |
| Average equity | $4,320,330 | 5,469 |
| Average total loans | $14,281,330 | 5,562 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 1,474 |
| Cost of funding earning assets | 0.6054% | 1,338 |
| Net interest margin | 3.8522% | 1,949 |
| Noninterest income to average assets | 0.1207% | 5,510 |
| Noninterest expense to average assets | 3.1717% | 1,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5688% | 4,287 |
| Return on assets (ROA) | 0.5688% | 4,331 |
| Pretax return on assets | 0.5688% | 4,798 |
| Return on Equity (ROE) | 3.0651% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.0651% | 3,881 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7926% | 904 |
| Assets per employee ($millions) | 5.7500% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 2,072 |
| Loan loss allowance to noncurrent loans | 26.5957% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 4.1348% | 179 |
| Noncurrent loans to loans | 5.2665% | 148 |
| Net loans and leases to total assets | 61.2130% | 3,633 |
| Net loans and leases to deposits | 75.6488% | 3,238 |
| Net loans and leases to core deposits | 75.6488% | 3,687 |
| Total domestic deposits to total assets | 80.9174% | 4,430 |
| Equity capital to assets | 18.8217% | 259 |
| Core capital (leverage) ratio | 18.9181% | 236 |
| Tier 1 risk-based capital ratio | 26.1643% | 676 |
| Total risk-based capital ratio | 27.3585% | 671 |
| Memoranda: | ||
| Average total assets | $23,205,500 | 5,747 |
| Average earning assets | $21,805,500 | 5,719 |
| Average equity | $4,306,500 | 5,525 |
| Average total loans | $14,211,000 | 5,628 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 2,011 |
| Cost of funding earning assets | 0.6067% | 1,294 |
| Net interest margin | 3.7340% | 2,561 |
| Noninterest income to average assets | 0.1624% | 5,400 |
| Noninterest expense to average assets | 3.1391% | 1,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5079% | 4,599 |
| Return on assets (ROA) | 0.8451% | 3,202 |
| Pretax return on assets | 0.8451% | 4,030 |
| Return on Equity (ROE) | 4.6459% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.6459% | 2,590 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0731% | 813 |
| Assets per employee ($millions) | 4.6822% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 2,018 |
| Loan loss allowance to noncurrent loans | 26.2467% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 4.1049% | 185 |
| Noncurrent loans to loans | 5.3878% | 135 |
| Net loans and leases to total assets | 59.5575% | 3,897 |
| Net loans and leases to deposits | 73.1686% | 3,598 |
| Net loans and leases to core deposits | 73.1686% | 3,995 |
| Total domestic deposits to total assets | 81.3976% | 4,236 |
| Equity capital to assets | 18.2991% | 285 |
| Core capital (leverage) ratio | 18.3054% | 270 |
| Tier 1 risk-based capital ratio | 25.8408% | 705 |
| Total risk-based capital ratio | 27.0291% | 693 |
| Memoranda: | ||
| Average total assets | $24,019,800 | 5,787 |
| Average earning assets | $22,415,400 | 5,768 |
| Average equity | $4,369,400 | 5,581 |
| Average total loans | $13,439,800 | 5,698 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4007% | 1,856 |
| Cost of funding earning assets | 0.6278% | 1,153 |
| Net interest margin | 3.7729% | 2,440 |
| Noninterest income to average assets | 0.2096% | 5,212 |
| Noninterest expense to average assets | 3.1496% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5736% | 4,400 |
| Return on assets (ROA) | 0.9542% | 2,776 |
| Pretax return on assets | 0.9542% | 3,799 |
| Return on Equity (ROE) | 5.2533% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.2533% | 2,664 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5926% | 940 |
| Assets per employee ($millions) | 4.8422% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,990 |
| Loan loss allowance to noncurrent loans | 25.7069% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 3.8412% | 227 |
| Noncurrent loans to loans | 5.6287% | 132 |
| Net loans and leases to total assets | 56.2637% | 4,279 |
| Net loans and leases to deposits | 69.3443% | 4,038 |
| Net loans and leases to core deposits | 69.3443% | 4,376 |
| Total domestic deposits to total assets | 81.1367% | 4,219 |
| Equity capital to assets | 18.5990% | 295 |
| Core capital (leverage) ratio | 17.8353% | 315 |
| Tier 1 risk-based capital ratio | 25.6930% | 744 |
| Total risk-based capital ratio | 26.8828% | 733 |
| Memoranda: | ||
| Average total assets | $24,172,000 | 5,847 |
| Average earning assets | $22,511,000 | 5,830 |
| Average equity | $4,390,750 | 5,637 |
| Average total loans | $13,264,000 | 5,767 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 2,130 |
| Cost of funding earning assets | 0.6232% | 1,174 |
| Net interest margin | 3.6855% | 2,748 |
| Noninterest income to average assets | 0.1159% | 5,720 |
| Noninterest expense to average assets | 3.3031% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2401% | 5,442 |
| Return on assets (ROA) | 0.7616% | 3,639 |
| Pretax return on assets | 0.7616% | 4,416 |
| Return on Equity (ROE) | 4.2266% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.2266% | 3,224 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2243% | 440 |
| Assets per employee ($millions) | 4.8684% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 1,959 |
| Loan loss allowance to noncurrent loans | 25.4453% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 3.8534% | 249 |
| Noncurrent loans to loans | 5.8020% | 133 |
| Net loans and leases to total assets | 54.8312% | 4,428 |
| Net loans and leases to deposits | 67.3377% | 4,242 |
| Net loans and leases to core deposits | 67.3377% | 4,525 |
| Total domestic deposits to total assets | 81.4272% | 4,155 |
| Equity capital to assets | 18.3305% | 310 |
| Core capital (leverage) ratio | 17.5975% | 325 |
| Tier 1 risk-based capital ratio | 25.5071% | 769 |
| Total risk-based capital ratio | 26.7108% | 752 |
| Memoranda: | ||
| Average total assets | $24,159,000 | 5,920 |
| Average earning assets | $22,466,330 | 5,905 |
| Average equity | $4,353,330 | 5,708 |
| Average total loans | $13,078,000 | 5,839 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 2,907 |
| Cost of funding earning assets | 0.6393% | 1,107 |
| Net interest margin | 3.4451% | 3,690 |
| Noninterest income to average assets | 0.0665% | 5,919 |
| Noninterest expense to average assets | 3.3738% | 1,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0831% | 5,837 |
| Return on assets (ROA) | 0.2161% | 5,557 |
| Pretax return on assets | 0.2161% | 5,621 |
| Return on Equity (ROE) | 1.2096% | 5,660 |
| Retained earnings to average equity (ytd only) | 1.2096% | 4,765 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5253% | 233 |
| Assets per employee ($millions) | 4.8030% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,761 |
| Loan loss allowance to noncurrent loans | 24.6305% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 4.1766% | 232 |
| Noncurrent loans to loans | 6.3240% | 129 |
| Net loans and leases to total assets | 52.6338% | 4,567 |
| Net loans and leases to deposits | 64.4044% | 4,403 |
| Net loans and leases to core deposits | 64.4044% | 4,664 |
| Total domestic deposits to total assets | 81.7239% | 4,302 |
| Equity capital to assets | 18.1845% | 311 |
| Core capital (leverage) ratio | 17.3993% | 340 |
| Tier 1 risk-based capital ratio | 37.8227% | 272 |
| Total risk-based capital ratio | 39.0816% | 268 |
| Memoranda: | ||
| Average total assets | $24,067,500 | 5,981 |
| Average earning assets | $22,524,500 | 5,960 |
| Average equity | $4,299,000 | 5,761 |
| Average total loans | $12,843,500 | 5,902 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4025% | 1,892 |
| Cost of funding earning assets | 0.6818% | 899 |
| Net interest margin | 3.7207% | 2,673 |
| Noninterest income to average assets | 0.0786% | 5,926 |
| Noninterest expense to average assets | 3.2250% | 1,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3060% | 5,340 |
| Return on assets (ROA) | 0.3184% | 5,387 |
| Pretax return on assets | 0.3184% | 5,483 |
| Return on Equity (ROE) | 1.8285% | 5,611 |
| Retained earnings to average equity (ytd only) | 1.8285% | 4,683 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3349% | 609 |
| Assets per employee ($millions) | 4.8240% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 1,774 |
| Loan loss allowance to noncurrent loans | 40.4858% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 2.9353% | 454 |
| Noncurrent loans to loans | 3.8453% | 331 |
| Net loans and leases to total assets | 52.4337% | 4,655 |
| Net loans and leases to deposits | 63.7932% | 4,480 |
| Net loans and leases to core deposits | 63.7932% | 4,747 |
| Total domestic deposits to total assets | 82.1932% | 4,115 |
| Equity capital to assets | 17.5415% | 355 |
| Core capital (leverage) ratio | 17.4990% | 315 |
| Tier 1 risk-based capital ratio | 36.8925% | 283 |
| Total risk-based capital ratio | 38.1492% | 279 |
| Memoranda: | ||
| Average total assets | $24,186,000 | 6,040 |
| Average earning assets | $22,441,800 | 6,019 |
| Average equity | $4,211,000 | 5,819 |
| Average total loans | $12,586,400 | 5,960 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 2,003 |
| Cost of funding earning assets | 0.6951% | 859 |
| Net interest margin | 3.6772% | 2,859 |
| Noninterest income to average assets | 0.0881% | 5,999 |
| Noninterest expense to average assets | 3.2503% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2479% | 5,581 |
| Return on assets (ROA) | 0.2644% | 5,625 |
| Pretax return on assets | 0.2644% | 5,696 |
| Return on Equity (ROE) | 1.5216% | 5,774 |
| Retained earnings to average equity (ytd only) | 1.5216% | 5,107 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9134% | 528 |
| Assets per employee ($millions) | 4.8022% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 1,783 |
| Loan loss allowance to noncurrent loans | 40.0802% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 2.7987% | 570 |
| Noncurrent loans to loans | 4.0013% | 323 |
| Net loans and leases to total assets | 51.1057% | 4,843 |
| Net loans and leases to deposits | 62.2925% | 4,702 |
| Net loans and leases to core deposits | 62.2925% | 4,916 |
| Total domestic deposits to total assets | 82.0416% | 4,148 |
| Equity capital to assets | 17.6836% | 370 |
| Core capital (leverage) ratio | 17.2193% | 360 |
| Tier 1 risk-based capital ratio | 36.9310% | 306 |
| Total risk-based capital ratio | 38.1880% | 302 |
| Memoranda: | ||
| Average total assets | $24,202,500 | 6,126 |
| Average earning assets | $22,443,750 | 6,106 |
| Average equity | $4,206,000 | 5,898 |
| Average total loans | $12,521,250 | 6,041 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 2,287 |
| Cost of funding earning assets | 0.6377% | 1,183 |
| Net interest margin | 3.6315% | 2,975 |
| Noninterest income to average assets | 0.0907% | 6,059 |
| Noninterest expense to average assets | 3.3544% | 1,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1154% | 5,853 |
| Return on assets (ROA) | 0.1154% | 5,905 |
| Pretax return on assets | 0.1154% | 5,920 |
| Return on Equity (ROE) | 0.6678% | 5,944 |
| Retained earnings to average equity (ytd only) | 0.6678% | 5,298 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6746% | 415 |
| Assets per employee ($millions) | 4.7978% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 1,941 |
| Loan loss allowance to noncurrent loans | 31.8979% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 3.3349% | 447 |
| Noncurrent loans to loans | 4.9829% | 230 |
| Net loans and leases to total assets | 51.6195% | 4,788 |
| Net loans and leases to deposits | 62.5120% | 4,662 |
| Net loans and leases to core deposits | 62.5120% | 4,901 |
| Total domestic deposits to total assets | 82.5753% | 4,095 |
| Equity capital to assets | 17.1704% | 402 |
| Core capital (leverage) ratio | 16.7985% | 382 |
| Tier 1 risk-based capital ratio | 36.2481% | 328 |
| Total risk-based capital ratio | 37.5011% | 326 |
| Memoranda: | ||
| Average total assets | $24,266,330 | 6,196 |
| Average earning assets | $22,580,000 | 6,171 |
| Average equity | $4,192,670 | 5,962 |
| Average total loans | $12,538,000 | 6,110 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 2,460 |
| Cost of funding earning assets | 0.6325% | 1,219 |
| Net interest margin | 3.5666% | 3,144 |
| Noninterest income to average assets | 0.0983% | 6,095 |
| Noninterest expense to average assets | 3.1141% | 2,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3114% | 5,371 |
| Return on assets (ROA) | 0.3114% | 5,475 |
| Pretax return on assets | 0.3114% | 5,621 |
| Return on Equity (ROE) | 1.7969% | 5,730 |
| Retained earnings to average equity (ytd only) | 1.7969% | 4,751 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9091% | 788 |
| Assets per employee ($millions) | 4.8790% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 2,040 |
| Loan loss allowance to noncurrent loans | 33.9559% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 3.1277% | 584 |
| Noncurrent loans to loans | 4.7211% | 307 |
| Net loans and leases to total assets | 50.3218% | 4,810 |
| Net loans and leases to deposits | 61.1964% | 4,645 |
| Net loans and leases to core deposits | 61.1964% | 4,896 |
| Total domestic deposits to total assets | 82.2300% | 4,445 |
| Equity capital to assets | 17.5651% | 370 |
| Core capital (leverage) ratio | 16.9815% | 359 |
| Tier 1 risk-based capital ratio | 36.5728% | 321 |
| Total risk-based capital ratio | 37.8254% | 315 |
| Memoranda: | ||
| Average total assets | $24,405,000 | 6,262 |
| Average earning assets | $22,766,500 | 6,230 |
| Average equity | $4,229,500 | 6,007 |
| Average total loans | $12,515,500 | 6,162 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4470% | 2,085 |
| Cost of funding earning assets | 0.6879% | 1,164 |
| Net interest margin | 3.7591% | 2,773 |
| Noninterest income to average assets | 0.1064% | 6,128 |
| Noninterest expense to average assets | 3.4258% | 1,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1924% | 5,780 |
| Return on assets (ROA) | 0.2415% | 5,737 |
| Pretax return on assets | 0.2415% | 5,803 |
| Return on Equity (ROE) | 1.4373% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.4373% | 5,121 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6833% | 563 |
| Assets per employee ($millions) | 4.0692% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 2,115 |
| Loan loss allowance to noncurrent loans | 33.5008% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 3.1579% | 615 |
| Noncurrent loans to loans | 4.7551% | 328 |
| Net loans and leases to total assets | 50.6041% | 4,908 |
| Net loans and leases to deposits | 61.2149% | 4,790 |
| Net loans and leases to core deposits | 61.2149% | 5,058 |
| Total domestic deposits to total assets | 82.6664% | 4,192 |
| Equity capital to assets | 17.0960% | 405 |
| Core capital (leverage) ratio | 16.6906% | 399 |
| Tier 1 risk-based capital ratio | 36.0301% | 311 |
| Total risk-based capital ratio | 37.2796% | 306 |
| Memoranda: | ||
| Average total assets | $24,432,400 | 6,344 |
| Average earning assets | $22,824,600 | 6,320 |
| Average equity | $4,105,000 | 6,072 |
| Average total loans | $12,683,000 | 6,240 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4702% | 1,977 |
| Cost of funding earning assets | 0.6886% | 1,210 |
| Net interest margin | 3.7816% | 2,685 |
| Noninterest income to average assets | 0.0655% | 6,341 |
| Noninterest expense to average assets | 3.4974% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1037% | 6,027 |
| Return on assets (ROA) | 0.1691% | 5,944 |
| Pretax return on assets | 0.1691% | 5,985 |
| Return on Equity (ROE) | 1.0111% | 6,028 |
| Retained earnings to average equity (ytd only) | 1.0111% | 5,481 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1212% | 464 |
| Assets per employee ($millions) | 4.0837% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 2,420 |
| Loan loss allowance to noncurrent loans | 29.3686% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 3.7507% | 550 |
| Noncurrent loans to loans | 5.3412% | 309 |
| Net loans and leases to total assets | 51.2203% | 4,876 |
| Net loans and leases to deposits | 61.7071% | 4,772 |
| Net loans and leases to core deposits | 61.7071% | 5,059 |
| Total domestic deposits to total assets | 83.0055% | 4,151 |
| Equity capital to assets | 16.7456% | 465 |
| Core capital (leverage) ratio | 16.5617% | 413 |
| Tier 1 risk-based capital ratio | 35.0290% | 351 |
| Total risk-based capital ratio | 36.2748% | 346 |
| Memoranda: | ||
| Average total assets | $24,436,750 | 6,423 |
| Average earning assets | $22,847,000 | 6,394 |
| Average equity | $4,087,750 | 6,143 |
| Average total loans | $12,715,000 | 6,309 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 1,620 |
| Cost of funding earning assets | 0.6912% | 1,234 |
| Net interest margin | 3.8760% | 2,273 |
| Noninterest income to average assets | 0.0573% | 6,424 |
| Noninterest expense to average assets | 3.5798% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1065% | 6,035 |
| Return on assets (ROA) | 0.2048% | 5,882 |
| Pretax return on assets | 0.2048% | 5,939 |
| Return on Equity (ROE) | 1.2247% | 6,009 |
| Retained earnings to average equity (ytd only) | 1.2247% | 5,263 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1111% | 505 |
| Assets per employee ($millions) | 4.0607% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 2,492 |
| Loan loss allowance to noncurrent loans | 28.9436% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 3.8171% | 586 |
| Noncurrent loans to loans | 5.4990% | 326 |
| Net loans and leases to total assets | 50.7552% | 4,883 |
| Net loans and leases to deposits | 61.1815% | 4,764 |
| Net loans and leases to core deposits | 61.1815% | 5,039 |
| Total domestic deposits to total assets | 82.9585% | 4,319 |
| Equity capital to assets | 16.8158% | 440 |
| Core capital (leverage) ratio | 16.6310% | 393 |
| Tier 1 risk-based capital ratio | 25.8207% | 792 |
| Total risk-based capital ratio | 26.7276% | 809 |
| Memoranda: | ||
| Average total assets | $24,415,000 | 6,489 |
| Average earning assets | $22,858,670 | 6,461 |
| Average equity | $4,082,670 | 6,184 |
| Average total loans | $12,703,330 | 6,365 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 1,344 |
| Cost of funding earning assets | 0.6957% | 1,274 |
| Net interest margin | 3.9652% | 1,872 |
| Noninterest income to average assets | 0.0491% | 6,483 |
| Noninterest expense to average assets | 3.6660% | 1,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1146% | 5,998 |
| Return on assets (ROA) | 0.1146% | 6,029 |
| Pretax return on assets | 0.1146% | 6,050 |
| Return on Equity (ROE) | 0.6870% | 6,104 |
| Retained earnings to average equity (ytd only) | 0.6870% | 5,319 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9697% | 593 |
| Assets per employee ($millions) | 4.0303% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 2,870 |
| Loan loss allowance to noncurrent loans | 24.4499% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 4.3752% | 510 |
| Noncurrent loans to loans | 6.3916% | 266 |
| Net loans and leases to total assets | 52.0966% | 4,661 |
| Net loans and leases to deposits | 62.8705% | 4,449 |
| Net loans and leases to core deposits | 62.8705% | 4,799 |
| Total domestic deposits to total assets | 82.8633% | 4,655 |
| Equity capital to assets | 16.8679% | 410 |
| Core capital (leverage) ratio | 16.6819% | 397 |
| Tier 1 risk-based capital ratio | 24.8979% | 900 |
| Total risk-based capital ratio | 25.8011% | 917 |
| Memoranda: | ||
| Average total assets | $24,440,500 | 6,558 |
| Average earning assets | $23,000,000 | 6,527 |
| Average equity | $4,075,500 | 6,230 |
| Average total loans | $12,772,000 | 6,429 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3843% | 2,642 |
| Cost of funding earning assets | 0.8113% | 1,154 |
| Net interest margin | 3.5730% | 3,587 |
| Noninterest income to average assets | 0.0739% | 6,471 |
| Noninterest expense to average assets | 3.1808% | 2,480 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1983% | 5,821 |
| Return on assets (ROA) | 0.1983% | 5,894 |
| Pretax return on assets | 0.1983% | 5,939 |
| Return on Equity (ROE) | 1.2583% | 6,030 |
| Retained earnings to average equity (ytd only) | 1.2583% | 5,261 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1312% | 740 |
| Assets per employee ($millions) | 4.1165% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 2,890 |
| Loan loss allowance to noncurrent loans | 20.7254% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 4.8787% | 493 |
| Noncurrent loans to loans | 7.5710% | 211 |
| Net loans and leases to total assets | 50.7956% | 4,987 |
| Net loans and leases to deposits | 61.0095% | 4,827 |
| Net loans and leases to core deposits | 61.0095% | 5,144 |
| Total domestic deposits to total assets | 83.2584% | 4,449 |
| Equity capital to assets | 16.4865% | 448 |
| Core capital (leverage) ratio | 16.3035% | 439 |
| Tier 1 risk-based capital ratio | 34.6260% | 343 |
| Total risk-based capital ratio | 35.8842% | 339 |
| Memoranda: | ||
| Average total assets | $25,716,400 | 6,614 |
| Average earning assets | $23,789,200 | 6,582 |
| Average equity | $4,053,000 | 6,313 |
| Average total loans | $13,377,600 | 6,474 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 2,323 |
| Cost of funding earning assets | 0.8575% | 1,006 |
| Net interest margin | 3.6194% | 3,363 |
| Noninterest income to average assets | 0.0873% | 6,516 |
| Noninterest expense to average assets | 3.1368% | 2,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2875% | 5,659 |
| Return on assets (ROA) | 0.2875% | 5,766 |
| Pretax return on assets | 0.2875% | 5,904 |
| Return on Equity (ROE) | 1.8443% | 5,991 |
| Retained earnings to average equity (ytd only) | 1.8443% | 5,217 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6042% | 878 |
| Assets per employee ($millions) | 4.2770% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 3,328 |
| Loan loss allowance to noncurrent loans | 24.5700% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 3.8656% | 830 |
| Noncurrent loans to loans | 6.2337% | 385 |
| Net loans and leases to total assets | 50.1052% | 5,123 |
| Net loans and leases to deposits | 59.7380% | 5,004 |
| Net loans and leases to core deposits | 61.5982% | 5,161 |
| Total domestic deposits to total assets | 83.8750% | 4,244 |
| Equity capital to assets | 15.8873% | 570 |
| Core capital (leverage) ratio | 15.7099% | 536 |
| Tier 1 risk-based capital ratio | 33.6625% | 384 |
| Total risk-based capital ratio | 34.9176% | 376 |
| Memoranda: | ||
| Average total assets | $25,970,750 | 6,681 |
| Average earning assets | $23,944,250 | 6,653 |
| Average equity | $4,048,250 | 6,390 |
| Average total loans | $13,535,500 | 6,542 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 2,024 |
| Cost of funding earning assets | 0.8654% | 1,060 |
| Net interest margin | 3.6862% | 3,006 |
| Noninterest income to average assets | 0.0997% | 6,528 |
| Noninterest expense to average assets | 3.1833% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3145% | 5,549 |
| Return on assets (ROA) | 0.3145% | 5,700 |
| Pretax return on assets | 0.3145% | 5,836 |
| Return on Equity (ROE) | 2.0304% | 5,947 |
| Retained earnings to average equity (ytd only) | 2.0304% | 4,982 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0088% | 981 |
| Assets per employee ($millions) | 4.3400% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 3,756 |
| Loan loss allowance to noncurrent loans | 31.3480% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 3.1836% | 1,248 |
| Noncurrent loans to loans | 4.6648% | 735 |
| Net loans and leases to total assets | 51.7550% | 4,894 |
| Net loans and leases to deposits | 61.4771% | 4,805 |
| Net loans and leases to core deposits | 63.3496% | 4,965 |
| Total domestic deposits to total assets | 84.1859% | 4,247 |
| Equity capital to assets | 15.5991% | 604 |
| Core capital (leverage) ratio | 15.4237% | 537 |
| Tier 1 risk-based capital ratio | 32.9037% | 409 |
| Total risk-based capital ratio | 34.1433% | 403 |
| Memoranda: | ||
| Average total assets | $26,073,670 | 6,728 |
| Average earning assets | $24,035,670 | 6,700 |
| Average equity | $4,038,670 | 6,443 |
| Average total loans | $13,694,670 | 6,572 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6298% | 1,745 |
| Cost of funding earning assets | 0.8858% | 1,053 |
| Net interest margin | 3.7439% | 2,682 |
| Noninterest income to average assets | 0.1073% | 6,545 |
| Noninterest expense to average assets | 3.2962% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2453% | 5,740 |
| Return on assets (ROA) | 0.2453% | 5,861 |
| Pretax return on assets | 0.2453% | 5,976 |
| Return on Equity (ROE) | 1.5893% | 6,059 |
| Retained earnings to average equity (ytd only) | 1.5893% | 5,186 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0736% | 904 |
| Assets per employee ($millions) | 4.3518% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 3,955 |
| Loan loss allowance to noncurrent loans | 27.8552% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 3.6651% | 1,137 |
| Noncurrent loans to loans | 5.2547% | 710 |
| Net loans and leases to total assets | 51.5645% | 4,761 |
| Net loans and leases to deposits | 61.1666% | 4,664 |
| Net loans and leases to core deposits | 63.0160% | 4,844 |
| Total domestic deposits to total assets | 84.3016% | 4,354 |
| Equity capital to assets | 15.4533% | 649 |
| Core capital (leverage) ratio | 15.2780% | 552 |
| Tier 1 risk-based capital ratio | 32.3317% | 438 |
| Total risk-based capital ratio | 33.5661% | 432 |
| Memoranda: | ||
| Average total assets | $26,090,500 | 6,796 |
| Average earning assets | $23,932,000 | 6,768 |
| Average equity | $4,027,000 | 6,509 |
| Average total loans | $13,703,500 | 6,636 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 3,285 |
| Cost of funding earning assets | 1.0118% | 1,291 |
| Net interest margin | 3.5165% | 4,432 |
| Noninterest income to average assets | -0.0461% | 6,877 |
| Noninterest expense to average assets | 3.0829% | 2,977 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1267% | 5,952 |
| Return on assets (ROA) | 0.1267% | 6,098 |
| Pretax return on assets | 0.1267% | 6,107 |
| Return on Equity (ROE) | 0.8178% | 6,167 |
| Retained earnings to average equity (ytd only) | 0.8178% | 5,455 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0526% | 706 |
| Assets per employee ($millions) | 4.3450% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 3,921 |
| Loan loss allowance to noncurrent loans | 25.1889% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 3.9701% | 1,081 |
| Noncurrent loans to loans | 5.7775% | 626 |
| Net loans and leases to total assets | 51.9486% | 4,938 |
| Net loans and leases to deposits | 61.5927% | 4,830 |
| Net loans and leases to core deposits | 63.4511% | 5,022 |
| Total domestic deposits to total assets | 84.3422% | 4,162 |
| Equity capital to assets | 15.4162% | 652 |
| Core capital (leverage) ratio | 15.2406% | 535 |
| Tier 1 risk-based capital ratio | 32.1547% | 426 |
| Total risk-based capital ratio | 33.4117% | 420 |
| Memoranda: | ||
| Average total assets | $26,047,000 | 6,842 |
| Average earning assets | $24,115,000 | 6,814 |
| Average equity | $4,035,400 | 6,557 |
| Average total loans | $14,062,800 | 6,696 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7576% | 2,550 |
| Cost of funding earning assets | 1.0376% | 1,355 |
| Net interest margin | 3.7200% | 3,701 |
| Noninterest income to average assets | 0.0563% | 6,780 |
| Noninterest expense to average assets | 3.1027% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4045% | 5,228 |
| Return on assets (ROA) | 0.4045% | 5,455 |
| Pretax return on assets | 0.4045% | 5,707 |
| Return on Equity (ROE) | 2.6075% | 5,845 |
| Retained earnings to average equity (ytd only) | 2.6075% | 5,004 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4672% | 1,150 |
| Assets per employee ($millions) | 4.3353% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 4,283 |
| Loan loss allowance to noncurrent loans | 27.1003% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 3.6868% | 1,343 |
| Noncurrent loans to loans | 5.2430% | 838 |
| Net loans and leases to total assets | 53.3446% | 4,849 |
| Net loans and leases to deposits | 63.3810% | 4,792 |
| Net loans and leases to core deposits | 65.2958% | 5,023 |
| Total domestic deposits to total assets | 84.1650% | 4,141 |
| Equity capital to assets | 15.6966% | 664 |
| Core capital (leverage) ratio | 15.5212% | 533 |
| Tier 1 risk-based capital ratio | 32.1266% | 438 |
| Total risk-based capital ratio | 33.3147% | 436 |
| Memoranda: | ||
| Average total assets | $26,041,250 | 6,927 |
| Average earning assets | $24,157,000 | 6,900 |
| Average equity | $4,039,500 | 6,631 |
| Average total loans | $14,142,750 | 6,782 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 2,759 |
| Cost of funding earning assets | 1.0606% | 1,410 |
| Net interest margin | 3.6790% | 3,930 |
| Noninterest income to average assets | 0.0614% | 6,819 |
| Noninterest expense to average assets | 3.0939% | 2,947 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3762% | 5,322 |
| Return on assets (ROA) | 0.3762% | 5,547 |
| Pretax return on assets | 0.3762% | 5,761 |
| Return on Equity (ROE) | 2.4348% | 5,902 |
| Retained earnings to average equity (ytd only) | 2.4348% | 4,969 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1593% | 1,135 |
| Assets per employee ($millions) | 4.3285% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 4,396 |
| Loan loss allowance to noncurrent loans | 24.9377% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 3.9429% | 1,310 |
| Noncurrent loans to loans | 5.6799% | 804 |
| Net loans and leases to total assets | 53.5982% | 4,862 |
| Net loans and leases to deposits | 63.6052% | 4,818 |
| Net loans and leases to core deposits | 65.5213% | 5,050 |
| Total domestic deposits to total assets | 84.2671% | 4,207 |
| Equity capital to assets | 15.6059% | 662 |
| Core capital (leverage) ratio | 15.4300% | 531 |
| Tier 1 risk-based capital ratio | 32.1799% | 431 |
| Total risk-based capital ratio | 33.3789% | 430 |
| Memoranda: | ||
| Average total assets | $26,051,000 | 6,986 |
| Average earning assets | $24,136,670 | 6,953 |
| Average equity | $4,025,000 | 6,672 |
| Average total loans | $14,165,000 | 6,839 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 2,715 |
| Cost of funding earning assets | 1.0955% | 1,426 |
| Net interest margin | 3.6848% | 3,902 |
| Noninterest income to average assets | 0.0460% | 6,946 |
| Noninterest expense to average assets | 3.2348% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2146% | 5,943 |
| Return on assets (ROA) | 0.2146% | 6,087 |
| Pretax return on assets | 0.2146% | 6,171 |
| Return on Equity (ROE) | 1.3962% | 6,260 |
| Retained earnings to average equity (ytd only) | 1.3962% | 5,541 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7778% | 831 |
| Assets per employee ($millions) | 4.3460% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 4,553 |
| Loan loss allowance to noncurrent loans | 26.1097% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 4.0804% | 1,345 |
| Noncurrent loans to loans | 5.4119% | 992 |
| Net loans and leases to total assets | 53.5128% | 4,801 |
| Net loans and leases to deposits | 63.3466% | 4,723 |
| Net loans and leases to core deposits | 65.2361% | 4,993 |
| Total domestic deposits to total assets | 84.4761% | 4,285 |
| Equity capital to assets | 15.4088% | 675 |
| Core capital (leverage) ratio | 15.2333% | 567 |
| Tier 1 risk-based capital ratio | 31.1195% | 486 |
| Total risk-based capital ratio | 32.3599% | 476 |
| Memoranda: | ||
| Average total assets | $26,091,000 | 7,047 |
| Average earning assets | $24,099,000 | 7,016 |
| Average equity | $4,011,000 | 6,709 |
| Average total loans | $14,187,500 | 6,896 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9183% | 3,271 |
| Cost of funding earning assets | 1.4082% | 1,002 |
| Net interest margin | 3.5101% | 5,104 |
| Noninterest income to average assets | 0.0192% | 6,938 |
| Noninterest expense to average assets | 3.0565% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2115% | 5,554 |
| Return on assets (ROA) | 0.2191% | 5,668 |
| Pretax return on assets | 0.2191% | 5,739 |
| Return on Equity (ROE) | 1.4296% | 5,862 |
| Retained earnings to average equity (ytd only) | 1.4296% | 5,183 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5294% | 955 |
| Assets per employee ($millions) | 4.3510% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 4,426 |
| Loan loss allowance to noncurrent loans | 24.4798% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 4.1255% | 1,382 |
| Noncurrent loans to loans | 5.7450% | 894 |
| Net loans and leases to total assets | 53.7080% | 5,080 |
| Net loans and leases to deposits | 63.5095% | 5,064 |
| Net loans and leases to core deposits | 65.3934% | 5,335 |
| Total domestic deposits to total assets | 84.5668% | 4,057 |
| Equity capital to assets | 15.3375% | 709 |
| Core capital (leverage) ratio | 15.1620% | 580 |
| Tier 1 risk-based capital ratio | 32.7665% | 398 |
| Total risk-based capital ratio | 34.0108% | 394 |
| Memoranda: | ||
| Average total assets | $26,010,400 | 7,071 |
| Average earning assets | $24,073,600 | 7,038 |
| Average equity | $3,987,200 | 6,749 |
| Average total loans | $14,675,200 | 6,921 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9976% | 3,094 |
| Cost of funding earning assets | 1.4572% | 999 |
| Net interest margin | 3.5404% | 5,019 |
| Noninterest income to average assets | 0.0462% | 6,968 |
| Noninterest expense to average assets | 3.1143% | 3,105 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2104% | 5,675 |
| Return on assets (ROA) | 0.2104% | 5,803 |
| Pretax return on assets | 0.2104% | 5,877 |
| Return on Equity (ROE) | 1.3726% | 5,978 |
| Retained earnings to average equity (ytd only) | 1.3726% | 5,455 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6728% | 933 |
| Assets per employee ($millions) | 4.3242% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 4,783 |
| Loan loss allowance to noncurrent loans | 32.0000% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 3.4419% | 1,832 |
| Noncurrent loans to loans | 4.2139% | 1,557 |
| Net loans and leases to total assets | 56.3962% | 4,779 |
| Net loans and leases to deposits | 66.7610% | 4,791 |
| Net loans and leases to core deposits | 68.7465% | 5,093 |
| Total domestic deposits to total assets | 84.4749% | 4,024 |
| Equity capital to assets | 15.3710% | 757 |
| Core capital (leverage) ratio | 15.1945% | 629 |
| Tier 1 risk-based capital ratio | 31.9759% | 454 |
| Total risk-based capital ratio | 33.2277% | 446 |
| Memoranda: | ||
| Average total assets | $25,986,500 | 7,143 |
| Average earning assets | $24,064,500 | 7,111 |
| Average equity | $3,983,000 | 6,806 |
| Average total loans | $14,788,750 | 6,979 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0328% | 2,999 |
| Cost of funding earning assets | 1.4940% | 1,028 |
| Net interest margin | 3.5388% | 4,980 |
| Noninterest income to average assets | 0.0538% | 7,035 |
| Noninterest expense to average assets | 3.1461% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1692% | 5,833 |
| Return on assets (ROA) | 0.1692% | 5,931 |
| Pretax return on assets | 0.1692% | 5,981 |
| Return on Equity (ROE) | 1.1052% | 6,055 |
| Retained earnings to average equity (ytd only) | 1.1052% | 5,417 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8956% | 929 |
| Assets per employee ($millions) | 4.3605% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 4,670 |
| Loan loss allowance to noncurrent loans | 43.1965% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 2.7176% | 2,461 |
| Noncurrent loans to loans | 3.1962% | 2,243 |
| Net loans and leases to total assets | 54.6038% | 5,207 |
| Net loans and leases to deposits | 64.4762% | 5,213 |
| Net loans and leases to core deposits | 66.3632% | 5,467 |
| Total domestic deposits to total assets | 84.6883% | 4,024 |
| Equity capital to assets | 15.1703% | 776 |
| Core capital (leverage) ratio | 14.9948% | 662 |
| Tier 1 risk-based capital ratio | 31.9201% | 454 |
| Total risk-based capital ratio | 33.1757% | 447 |
| Memoranda: | ||
| Average total assets | $26,000,330 | 7,213 |
| Average earning assets | $23,962,670 | 7,177 |
| Average equity | $3,981,330 | 6,853 |
| Average total loans | $14,774,330 | 7,047 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 2,085 |
| Cost of funding earning assets | 1.5359% | 1,029 |
| Net interest margin | 3.7063% | 4,065 |
| Noninterest income to average assets | 0.0772% | 7,007 |
| Noninterest expense to average assets | 3.2254% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2778% | 5,511 |
| Return on assets (ROA) | 0.2778% | 5,569 |
| Pretax return on assets | 0.2778% | 5,718 |
| Return on Equity (ROE) | 1.8056% | 5,864 |
| Retained earnings to average equity (ytd only) | 1.8056% | 5,035 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0705% | 1,161 |
| Assets per employee ($millions) | 4.3120% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 4,906 |
| Loan loss allowance to noncurrent loans | 25.7732% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 3.7106% | 1,824 |
| Noncurrent loans to loans | 5.2337% | 1,266 |
| Net loans and leases to total assets | 56.5360% | 4,905 |
| Net loans and leases to deposits | 67.0133% | 4,824 |
| Net loans and leases to core deposits | 68.9953% | 5,170 |
| Total domestic deposits to total assets | 84.3653% | 4,339 |
| Equity capital to assets | 15.4491% | 669 |
| Core capital (leverage) ratio | 15.2723% | 613 |
| Tier 1 risk-based capital ratio | 31.8112% | 444 |
| Total risk-based capital ratio | 33.0617% | 438 |
| Memoranda: | ||
| Average total assets | $25,919,000 | 7,263 |
| Average earning assets | $23,959,500 | 7,227 |
| Average equity | $3,987,500 | 6,887 |
| Average total loans | $14,918,500 | 7,097 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2708% | 3,267 |
| Cost of funding earning assets | 1.8207% | 1,094 |
| Net interest margin | 3.4501% | 5,433 |
| Noninterest income to average assets | -0.0445% | 7,350 |
| Noninterest expense to average assets | 3.1726% | 3,184 |
| Loan and lease loss provision to assets | 0.2304% | 4,977 |
| Net operating income to assets | -0.3152% | 6,230 |
| Return on assets (ROA) | -0.3152% | 6,268 |
| Pretax return on assets | -0.3152% | 6,171 |
| Return on Equity (ROE) | -1.9320% | 6,165 |
| Retained earnings to average equity (ytd only) | -1.9320% | 5,960 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7487% | 699 |
| Assets per employee ($millions) | 4.3277% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 4,840 |
| Loan loss allowance to noncurrent loans | 22.0994% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 4.1978% | 1,596 |
| Noncurrent loans to loans | 6.0293% | 1,037 |
| Net loans and leases to total assets | 57.0361% | 5,183 |
| Net loans and leases to deposits | 67.5054% | 5,164 |
| Net loans and leases to core deposits | 69.4783% | 5,492 |
| Total domestic deposits to total assets | 84.4913% | 4,112 |
| Equity capital to assets | 15.3200% | 714 |
| Core capital (leverage) ratio | 15.1436% | 644 |
| Tier 1 risk-based capital ratio | 31.7373% | 436 |
| Total risk-based capital ratio | 32.9909% | 429 |
| Memoranda: | ||
| Average total assets | $24,743,000 | 7,355 |
| Average earning assets | $22,463,400 | 7,337 |
| Average equity | $4,037,200 | 6,986 |
| Average total loans | $14,884,000 | 7,172 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3749% | 2,996 |
| Cost of funding earning assets | 1.8942% | 1,045 |
| Net interest margin | 3.4807% | 5,374 |
| Noninterest income to average assets | 0.0545% | 7,252 |
| Noninterest expense to average assets | 3.1645% | 3,053 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0382% | 5,906 |
| Return on assets (ROA) | 0.0382% | 6,045 |
| Pretax return on assets | 0.0382% | 6,028 |
| Return on Equity (ROE) | 0.2303% | 6,065 |
| Retained earnings to average equity (ytd only) | 0.2303% | 5,687 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8075% | 787 |
| Assets per employee ($millions) | 4.1627% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 6,532 |
| Loan loss allowance to noncurrent loans | 12.2642% | 7,139 |
| Noncurrent assets plus other real estate owned to assets | 5.4132% | 1,156 |
| Noncurrent loans to loans | 7.8736% | 667 |
| Net loans and leases to total assets | 58.7204% | 5,151 |
| Net loans and leases to deposits | 70.2765% | 5,107 |
| Net loans and leases to core deposits | 70.2799% | 5,717 |
| Total domestic deposits to total assets | 83.5562% | 4,346 |
| Equity capital to assets | 16.2716% | 625 |
| Core capital (leverage) ratio | 16.0902% | 545 |
| Tier 1 risk-based capital ratio | 32.8823% | 410 |
| Total risk-based capital ratio | 34.0549% | 402 |
| Memoranda: | ||
| Average total assets | $24,437,250 | 7,460 |
| Average earning assets | $22,102,000 | 7,441 |
| Average equity | $4,052,000 | 7,067 |
| Average total loans | $14,852,500 | 7,264 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4407% | 2,798 |
| Cost of funding earning assets | 1.9667% | 994 |
| Net interest margin | 3.4739% | 5,348 |
| Noninterest income to average assets | 0.0577% | 7,298 |
| Noninterest expense to average assets | 3.2814% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.1072% | 6,243 |
| Return on assets (ROA) | -0.1072% | 6,316 |
| Pretax return on assets | -0.1072% | 6,254 |
| Return on Equity (ROE) | -0.6423% | 6,279 |
| Retained earnings to average equity (ytd only) | -0.6423% | 5,888 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3766% | 701 |
| Assets per employee ($millions) | 4.0713% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 6,561 |
| Loan loss allowance to noncurrent loans | 17.8527% | 7,032 |
| Noncurrent assets plus other real estate owned to assets | 4.0445% | 1,700 |
| Noncurrent loans to loans | 5.3863% | 1,231 |
| Net loans and leases to total assets | 60.2915% | 5,003 |
| Net loans and leases to deposits | 72.3948% | 4,929 |
| Net loans and leases to core deposits | 72.3948% | 5,631 |
| Total domestic deposits to total assets | 83.2815% | 4,448 |
| Equity capital to assets | 16.5507% | 591 |
| Core capital (leverage) ratio | 16.3658% | 524 |
| Tier 1 risk-based capital ratio | 32.9588% | 398 |
| Total risk-based capital ratio | 34.1403% | 396 |
| Memoranda: | ||
| Average total assets | $24,257,670 | 7,525 |
| Average earning assets | $21,762,000 | 7,511 |
| Average equity | $4,048,000 | 7,106 |
| Average total loans | $14,867,000 | 7,316 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6285% | 2,036 |
| Cost of funding earning assets | 2.0450% | 956 |
| Net interest margin | 3.5835% | 4,799 |
| Noninterest income to average assets | 0.0496% | 7,463 |
| Noninterest expense to average assets | 3.3923% | 2,258 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.1820% | 6,525 |
| Return on assets (ROA) | -0.1820% | 6,595 |
| Pretax return on assets | -0.1820% | 6,540 |
| Return on Equity (ROE) | -1.0863% | 6,537 |
| Retained earnings to average equity (ytd only) | -1.0863% | 6,064 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6701% | 684 |
| Assets per employee ($millions) | 4.0665% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 6,624 |
| Loan loss allowance to noncurrent loans | 14.9738% | 7,206 |
| Noncurrent assets plus other real estate owned to assets | 4.6846% | 1,415 |
| Noncurrent loans to loans | 6.4388% | 972 |
| Net loans and leases to total assets | 60.2033% | 5,088 |
| Net loans and leases to deposits | 72.3525% | 5,003 |
| Net loans and leases to core deposits | 72.3525% | 5,670 |
| Total domestic deposits to total assets | 83.2083% | 4,519 |
| Equity capital to assets | 16.5785% | 589 |
| Core capital (leverage) ratio | 16.3935% | 523 |
| Tier 1 risk-based capital ratio | 32.4392% | 424 |
| Total risk-based capital ratio | 33.6016% | 422 |
| Memoranda: | ||
| Average total assets | $24,172,500 | 7,619 |
| Average earning assets | $21,320,000 | 7,620 |
| Average equity | $4,050,500 | 7,168 |
| Average total loans | $14,865,000 | 7,408 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7099% | 3,050 |
| Cost of funding earning assets | 2.3019% | 1,646 |
| Net interest margin | 3.4080% | 5,333 |
| Noninterest income to average assets | 0.1120% | 7,199 |
| Noninterest expense to average assets | 3.2860% | 3,057 |
| Loan and lease loss provision to assets | 0.0129% | 7,363 |
| Net operating income to assets | -0.0818% | 5,644 |
| Return on assets (ROA) | -0.0818% | 5,659 |
| Pretax return on assets | -0.0818% | 5,576 |
| Return on Equity (ROE) | -0.4686% | 5,616 |
| Retained earnings to average equity (ytd only) | -0.4686% | 5,093 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1419% | 1,008 |
| Assets per employee ($millions) | 3.9910% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 6,579 |
| Loan loss allowance to noncurrent loans | 16.4179% | 7,202 |
| Noncurrent assets plus other real estate owned to assets | 4.4266% | 1,464 |
| Noncurrent loans to loans | 5.8464% | 1,075 |
| Net loans and leases to total assets | 61.6178% | 5,076 |
| Net loans and leases to deposits | 74.3962% | 4,968 |
| Net loans and leases to core deposits | 90.4382% | 5,075 |
| Total domestic deposits to total assets | 82.8239% | 4,599 |
| Equity capital to assets | 16.9381% | 559 |
| Core capital (leverage) ratio | 16.9381% | 497 |
| Tier 1 risk-based capital ratio | 33.0670% | 409 |
| Total risk-based capital ratio | 34.2328% | 397 |
| Memoranda: | ||
| Average total assets | $23,219,800 | 7,692 |
| Average earning assets | $21,156,400 | 7,674 |
| Average equity | $4,055,000 | 7,267 |
| Average total loans | $15,094,600 | 7,444 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6011% | 3,854 |
| Cost of funding earning assets | 2.3089% | 1,948 |
| Net interest margin | 3.2922% | 5,668 |
| Noninterest income to average assets | 0.1273% | 7,250 |
| Noninterest expense to average assets | 3.3393% | 2,771 |
| Loan and lease loss provision to assets | 0.0174% | 7,171 |
| Net operating income to assets | -0.1679% | 6,006 |
| Return on assets (ROA) | -0.1679% | 6,018 |
| Pretax return on assets | -0.1679% | 5,931 |
| Return on Equity (ROE) | -0.9537% | 5,922 |
| Retained earnings to average equity (ytd only) | -0.9537% | 5,480 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7187% | 890 |
| Assets per employee ($millions) | 3.9347% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 6,516 |
| Loan loss allowance to noncurrent loans | 14.5770% | 7,346 |
| Noncurrent assets plus other real estate owned to assets | 4.9602% | 1,184 |
| Noncurrent loans to loans | 6.5461% | 877 |
| Net loans and leases to total assets | 62.8728% | 5,092 |
| Net loans and leases to deposits | 76.0867% | 5,028 |
| Net loans and leases to core deposits | 97.1337% | 4,689 |
| Total domestic deposits to total assets | 82.6330% | 4,386 |
| Equity capital to assets | 17.1383% | 615 |
| Core capital (leverage) ratio | 17.1383% | 536 |
| Tier 1 risk-based capital ratio | 33.0934% | 440 |
| Total risk-based capital ratio | 34.2630% | 430 |
| Memoranda: | ||
| Average total assets | $23,038,250 | 7,770 |
| Average earning assets | $21,423,750 | 7,734 |
| Average equity | $4,054,750 | 7,336 |
| Average total loans | $15,143,750 | 7,508 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6333% | 3,893 |
| Cost of funding earning assets | 2.3629% | 2,113 |
| Net interest margin | 3.2703% | 5,662 |
| Noninterest income to average assets | 0.1225% | 7,366 |
| Noninterest expense to average assets | 3.4751% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.3239% | 6,348 |
| Return on assets (ROA) | -0.3239% | 6,369 |
| Pretax return on assets | -0.3239% | 6,258 |
| Return on Equity (ROE) | -1.8237% | 6,196 |
| Retained earnings to average equity (ytd only) | -1.8237% | 5,698 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2778% | 842 |
| Assets per employee ($millions) | 3.8660% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 6,578 |
| Loan loss allowance to noncurrent loans | 14.3885% | 7,382 |
| Noncurrent assets plus other real estate owned to assets | 5.0181% | 1,054 |
| Noncurrent loans to loans | 6.5677% | 794 |
| Net loans and leases to total assets | 63.2652% | 5,131 |
| Net loans and leases to deposits | 76.8365% | 5,052 |
| Net loans and leases to core deposits | 92.7858% | 5,268 |
| Total domestic deposits to total assets | 82.3375% | 4,552 |
| Equity capital to assets | 17.4082% | 614 |
| Core capital (leverage) ratio | 17.4082% | 568 |
| Tier 1 risk-based capital ratio | 33.2318% | 463 |
| Total risk-based capital ratio | 34.3840% | 456 |
| Memoranda: | ||
| Average total assets | $22,848,330 | 7,854 |
| Average earning assets | $21,160,000 | 7,819 |
| Average equity | $4,057,670 | 7,388 |
| Average total loans | $15,196,330 | 7,580 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6438% | 4,089 |
| Cost of funding earning assets | 2.3625% | 2,454 |
| Net interest margin | 3.2813% | 5,572 |
| Noninterest income to average assets | 0.1411% | 7,291 |
| Noninterest expense to average assets | 3.4929% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2646% | 6,639 |
| Return on assets (ROA) | -0.2646% | 6,716 |
| Pretax return on assets | -0.2646% | 6,635 |
| Return on Equity (ROE) | -1.4751% | 6,608 |
| Retained earnings to average equity (ytd only) | -1.4751% | 5,993 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1967% | 859 |
| Assets per employee ($millions) | 3.7900% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 6,665 |
| Loan loss allowance to noncurrent loans | 14.6138% | 7,411 |
| Noncurrent assets plus other real estate owned to assets | 4.6262% | 1,022 |
| Noncurrent loans to loans | 6.2779% | 728 |
| Net loans and leases to total assets | 66.4908% | 4,467 |
| Net loans and leases to deposits | 81.1943% | 4,423 |
| Net loans and leases to core deposits | 95.9817% | 4,969 |
| Total domestic deposits to total assets | 81.8909% | 4,594 |
| Equity capital to assets | 17.8540% | 622 |
| Core capital (leverage) ratio | 17.8540% | 574 |
| Tier 1 risk-based capital ratio | 33.1320% | 489 |
| Total risk-based capital ratio | 34.2745% | 485 |
| Memoranda: | ||
| Average total assets | $22,674,500 | 7,908 |
| Average earning assets | $21,333,000 | 7,867 |
| Average equity | $4,067,500 | 7,432 |
| Average total loans | $15,387,000 | 7,614 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7369% | 6,656 |
| Cost of funding earning assets | 2.9240% | 2,164 |
| Net interest margin | 2.8129% | 7,307 |
| Noninterest income to average assets | 0.1090% | 7,589 |
| Noninterest expense to average assets | 3.1696% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.4098% | 6,834 |
| Return on assets (ROA) | -0.4098% | 6,712 |
| Pretax return on assets | -0.4098% | 6,555 |
| Return on Equity (ROE) | -2.2833% | 6,539 |
| Retained earnings to average equity (ytd only) | -2.2833% | 5,945 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.8499% | 627 |
| Assets per employee ($millions) | 3.7682% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9024% | 6,667 |
| Loan loss allowance to noncurrent loans | 16.1105% | 7,364 |
| Noncurrent assets plus other real estate owned to assets | 4.2594% | 927 |
| Noncurrent loans to loans | 5.6014% | 710 |
| Net loans and leases to total assets | 67.9995% | 4,466 |
| Net loans and leases to deposits | 83.1387% | 4,562 |
| Net loans and leases to core deposits | 97.6189% | 5,084 |
| Total domestic deposits to total assets | 81.7904% | 4,279 |
| Equity capital to assets | 18.0238% | 647 |
| Core capital (leverage) ratio | 18.0238% | 605 |
| Tier 1 risk-based capital ratio | 33.0629% | 508 |
| Total risk-based capital ratio | 34.1988% | 501 |
| Memoranda: | ||
| Average total assets | $22,937,000 | 7,914 |
| Average earning assets | $21,614,400 | 7,874 |
| Average equity | $4,116,800 | 7,469 |
| Average total loans | $15,383,400 | 7,623 |