Home > Advantage Bank > Performance and Condition Ratios
Advantage Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6246% | 470 |
| Cost of funding earning assets | 0.9199% | 2,137 |
| Net interest margin | 4.7046% | 496 |
| Noninterest income to average assets | 0.7863% | 1,461 |
| Noninterest expense to average assets | 5.0570% | 205 |
| Loan and lease loss provision to assets | 0.4105% | 322 |
| Net operating income to assets | -0.3413% | 5,120 |
| Return on assets (ROA) | -0.3413% | 5,129 |
| Pretax return on assets | -0.3413% | 5,121 |
| Return on Equity (ROE) | -2.5226% | 5,129 |
| Retained earnings to average equity (ytd only) | -2.5226% | 4,963 |
| Net charge-offs to loans | 0.4447% | 375 |
| Credit loss provision to net charge-offs | 154.7826% | 1,593 |
| Earnings coverage of net charge-offs (x) | 0.2609% | 3,370 |
| Efficiency ratio | 98.6505% | 166 |
| Assets per employee ($millions) | 2.7645% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,200 |
| Loan loss allowance to noncurrent loans | 81.4176% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 1,505 |
| Noncurrent loans to loans | 1.5434% | 966 |
| Net loans and leases to total assets | 57.5265% | 3,918 |
| Net loans and leases to deposits | 66.7059% | 4,014 |
| Net loans and leases to core deposits | 67.4523% | 4,196 |
| Total domestic deposits to total assets | 86.2389% | 1,889 |
| Equity capital to assets | 13.6508% | 1,294 |
| Core capital (leverage) ratio | 13.3405% | 1,197 |
| Tier 1 risk-based capital ratio | 19.5311% | 1,453 |
| Total risk-based capital ratio | 20.6025% | 1,459 |
| Memoranda: | ||
| Average total assets | $57,819,250 | 4,694 |
| Average earning assets | $53,336,250 | 4,688 |
| Average equity | $7,822,500 | 4,584 |
| Average total loans | $34,482,750 | 4,608 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6207% | 459 |
| Cost of funding earning assets | 0.9475% | 1,930 |
| Net interest margin | 4.6732% | 521 |
| Noninterest income to average assets | 0.7863% | 1,392 |
| Noninterest expense to average assets | 5.1437% | 204 |
| Loan and lease loss provision to assets | 0.1282% | 1,453 |
| Net operating income to assets | -0.1974% | 5,145 |
| Return on assets (ROA) | -0.1974% | 5,151 |
| Pretax return on assets | -0.1974% | 5,146 |
| Return on Equity (ROE) | -1.4637% | 5,153 |
| Retained earnings to average equity (ytd only) | -1.4637% | 4,874 |
| Net charge-offs to loans | 0.6570% | 232 |
| Credit loss provision to net charge-offs | 32.4561% | 2,588 |
| Earnings coverage of net charge-offs (x) | -0.1754% | 3,108 |
| Efficiency ratio | 101.3652% | 151 |
| Assets per employee ($millions) | 2.8649% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 4,252 |
| Loan loss allowance to noncurrent loans | 65.2174% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 2.0350% | 452 |
| Noncurrent loans to loans | 1.3093% | 1,202 |
| Net loans and leases to total assets | 57.7552% | 3,938 |
| Net loans and leases to deposits | 67.1210% | 4,015 |
| Net loans and leases to core deposits | 67.8796% | 4,212 |
| Total domestic deposits to total assets | 86.0464% | 2,013 |
| Equity capital to assets | 13.8960% | 1,161 |
| Core capital (leverage) ratio | 13.5767% | 1,087 |
| Tier 1 risk-based capital ratio | 19.3175% | 1,480 |
| Total risk-based capital ratio | 20.0197% | 1,575 |
| Memoranda: | ||
| Average total assets | $57,740,670 | 4,728 |
| Average earning assets | $52,983,000 | 4,726 |
| Average equity | $7,788,330 | 4,610 |
| Average total loans | $34,703,000 | 4,633 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5249% | 503 |
| Cost of funding earning assets | 0.8970% | 2,021 |
| Net interest margin | 4.6280% | 574 |
| Noninterest income to average assets | 0.9730% | 874 |
| Noninterest expense to average assets | 4.9480% | 211 |
| Loan and lease loss provision to assets | 0.0345% | 2,937 |
| Net operating income to assets | 0.2277% | 4,989 |
| Return on assets (ROA) | 0.2277% | 4,995 |
| Pretax return on assets | 0.2277% | 5,012 |
| Return on Equity (ROE) | 1.7140% | 4,999 |
| Retained earnings to average equity (ytd only) | 1.7140% | 4,133 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9669% | 250 |
| Assets per employee ($millions) | 2.4212% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 3,471 |
| Loan loss allowance to noncurrent loans | 56.3748% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 3.0512% | 207 |
| Noncurrent loans to loans | 1.8436% | 831 |
| Net loans and leases to total assets | 60.1380% | 3,696 |
| Net loans and leases to deposits | 69.5063% | 3,802 |
| Net loans and leases to core deposits | 69.8551% | 4,085 |
| Total domestic deposits to total assets | 86.5216% | 2,057 |
| Equity capital to assets | 13.4319% | 1,236 |
| Core capital (leverage) ratio | 13.8406% | 990 |
| Tier 1 risk-based capital ratio | 18.5318% | 1,654 |
| Total risk-based capital ratio | 19.3895% | 1,718 |
| Memoranda: | ||
| Average total assets | $57,962,500 | 4,778 |
| Average earning assets | $53,068,500 | 4,778 |
| Average equity | $7,701,500 | 4,655 |
| Average total loans | $35,366,000 | 4,655 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3742% | 502 |
| Cost of funding earning assets | 0.7027% | 2,076 |
| Net interest margin | 4.6715% | 517 |
| Noninterest income to average assets | 0.7959% | 1,460 |
| Noninterest expense to average assets | 4.7126% | 254 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3725% | 4,900 |
| Return on assets (ROA) | 0.3793% | 4,890 |
| Pretax return on assets | 0.3793% | 4,956 |
| Return on Equity (ROE) | 2.9722% | 4,900 |
| Retained earnings to average equity (ytd only) | 1.3269% | 4,603 |
| Net charge-offs to loans | 0.1304% | 1,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 4.7826% | 3,257 |
| Efficiency ratio | 92.6740% | 266 |
| Assets per employee ($millions) | 2.3127% | 5,261 |
| Cash dividends to net income (ytd only)* | 55.3571% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 3,545 |
| Loan loss allowance to noncurrent loans | 67.2862% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 3.2828% | 171 |
| Noncurrent loans to loans | 1.5189% | 1,005 |
| Net loans and leases to total assets | 60.6361% | 3,700 |
| Net loans and leases to deposits | 69.8575% | 3,841 |
| Net loans and leases to core deposits | 70.9303% | 4,062 |
| Total domestic deposits to total assets | 86.7997% | 1,876 |
| Equity capital to assets | 13.1415% | 1,281 |
| Core capital (leverage) ratio | 13.8780% | 956 |
| Tier 1 risk-based capital ratio | 18.5899% | 1,598 |
| Total risk-based capital ratio | 19.4421% | 1,649 |
| Memoranda: | ||
| Average total assets | $59,054,200 | 4,779 |
| Average earning assets | $54,222,000 | 4,785 |
| Average equity | $7,536,400 | 4,672 |
| Average total loans | $35,282,000 | 4,679 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3155% | 510 |
| Cost of funding earning assets | 0.6748% | 2,004 |
| Net interest margin | 4.6406% | 541 |
| Noninterest income to average assets | 0.8018% | 1,468 |
| Noninterest expense to average assets | 4.6290% | 263 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4357% | 4,887 |
| Return on assets (ROA) | 0.4357% | 4,893 |
| Pretax return on assets | 0.4357% | 4,993 |
| Return on Equity (ROE) | 3.4392% | 4,937 |
| Retained earnings to average equity (ytd only) | 1.2586% | 4,788 |
| Net charge-offs to loans | 0.0454% | 2,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 16.1663% | 2,179 |
| Efficiency ratio | 91.3969% | 291 |
| Assets per employee ($millions) | 2.0389% | 5,376 |
| Cash dividends to net income (ytd only)* | 63.4037% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 2,906 |
| Loan loss allowance to noncurrent loans | 39.2857% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 3.6452% | 152 |
| Noncurrent loans to loans | 2.9258% | 379 |
| Net loans and leases to total assets | 59.6542% | 3,882 |
| Net loans and leases to deposits | 68.6862% | 4,011 |
| Net loans and leases to core deposits | 69.7526% | 4,206 |
| Total domestic deposits to total assets | 86.8504% | 1,800 |
| Equity capital to assets | 13.0340% | 1,318 |
| Core capital (leverage) ratio | 13.1986% | 1,208 |
| Tier 1 risk-based capital ratio | 18.0006% | 1,794 |
| Total risk-based capital ratio | 18.9067% | 1,839 |
| Memoranda: | ||
| Average total assets | $59,363,500 | 4,827 |
| Average earning assets | $54,531,250 | 4,830 |
| Average equity | $7,521,000 | 4,723 |
| Average total loans | $35,247,500 | 4,731 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2180% | 538 |
| Cost of funding earning assets | 0.6098% | 2,162 |
| Net interest margin | 4.6081% | 541 |
| Noninterest income to average assets | 0.7651% | 1,591 |
| Noninterest expense to average assets | 4.5375% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4757% | 4,806 |
| Return on assets (ROA) | 0.4757% | 4,811 |
| Pretax return on assets | 0.4757% | 4,945 |
| Return on Equity (ROE) | 3.7892% | 4,870 |
| Retained earnings to average equity (ytd only) | 2.3053% | 4,350 |
| Net charge-offs to loans | 0.0338% | 2,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 23.8333% | 1,697 |
| Efficiency ratio | 90.5109% | 357 |
| Assets per employee ($millions) | 2.2171% | 5,413 |
| Cash dividends to net income (ytd only)* | 39.1608% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 2,930 |
| Loan loss allowance to noncurrent loans | 31.0425% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 3.7135% | 169 |
| Noncurrent loans to loans | 3.7393% | 250 |
| Net loans and leases to total assets | 57.1815% | 4,071 |
| Net loans and leases to deposits | 65.4431% | 4,195 |
| Net loans and leases to core deposits | 66.4028% | 4,350 |
| Total domestic deposits to total assets | 87.3760% | 1,695 |
| Equity capital to assets | 12.5489% | 1,511 |
| Core capital (leverage) ratio | 13.4084% | 1,095 |
| Tier 1 risk-based capital ratio | 17.1800% | 2,037 |
| Total risk-based capital ratio | 18.0562% | 2,108 |
| Memoranda: | ||
| Average total assets | $60,121,670 | 4,870 |
| Average earning assets | $55,423,670 | 4,871 |
| Average equity | $7,547,670 | 4,766 |
| Average total loans | $35,512,670 | 4,763 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1955% | 494 |
| Cost of funding earning assets | 0.5533% | 2,377 |
| Net interest margin | 4.6422% | 454 |
| Noninterest income to average assets | 0.7967% | 1,466 |
| Noninterest expense to average assets | 4.6206% | 269 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4647% | 4,780 |
| Return on assets (ROA) | 0.4647% | 4,785 |
| Pretax return on assets | 0.4647% | 4,935 |
| Return on Equity (ROE) | 3.7010% | 4,845 |
| Retained earnings to average equity (ytd only) | 1.0574% | 4,615 |
| Net charge-offs to loans | 0.0445% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,577 |
| Efficiency ratio | 90.8616% | 406 |
| Assets per employee ($millions) | 2.2026% | 5,473 |
| Cash dividends to net income (ytd only)* | 71.4286% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 3,082 |
| Loan loss allowance to noncurrent loans | 44.9388% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 3.0217% | 266 |
| Noncurrent loans to loans | 2.5633% | 522 |
| Net loans and leases to total assets | 58.2949% | 3,915 |
| Net loans and leases to deposits | 66.7039% | 4,042 |
| Net loans and leases to core deposits | 67.6858% | 4,232 |
| Total domestic deposits to total assets | 87.3936% | 1,956 |
| Equity capital to assets | 12.5509% | 1,451 |
| Core capital (leverage) ratio | 12.9827% | 1,184 |
| Tier 1 risk-based capital ratio | 16.9254% | 2,137 |
| Total risk-based capital ratio | 17.8003% | 2,205 |
| Memoranda: | ||
| Average total assets | $60,251,500 | 4,922 |
| Average earning assets | $55,663,500 | 4,920 |
| Average equity | $7,565,500 | 4,815 |
| Average total loans | $35,953,000 | 4,800 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3295% | 347 |
| Cost of funding earning assets | 0.3813% | 3,415 |
| Net interest margin | 4.9482% | 258 |
| Noninterest income to average assets | 0.9312% | 1,183 |
| Noninterest expense to average assets | 4.8203% | 246 |
| Loan and lease loss provision to assets | 0.0847% | 2,513 |
| Net operating income to assets | 0.6142% | 3,952 |
| Return on assets (ROA) | 0.6142% | 3,994 |
| Pretax return on assets | 0.6142% | 4,714 |
| Return on Equity (ROE) | 4.8219% | 4,232 |
| Retained earnings to average equity (ytd only) | 3.3101% | 3,313 |
| Net charge-offs to loans | 0.1373% | 1,693 |
| Credit loss provision to net charge-offs | 94.4444% | 2,708 |
| Earnings coverage of net charge-offs (x) | 7.7963% | 2,991 |
| Efficiency ratio | 87.3383% | 568 |
| Assets per employee ($millions) | 2.1798% | 5,544 |
| Cash dividends to net income (ytd only)* | 31.3514% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,311 |
| Loan loss allowance to noncurrent loans | 29.7160% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 2.9689% | 272 |
| Noncurrent loans to loans | 3.7275% | 263 |
| Net loans and leases to total assets | 59.6825% | 3,857 |
| Net loans and leases to deposits | 68.3299% | 4,002 |
| Net loans and leases to core deposits | 70.6738% | 4,131 |
| Total domestic deposits to total assets | 87.3446% | 1,840 |
| Equity capital to assets | 12.5621% | 1,481 |
| Core capital (leverage) ratio | 13.1133% | 1,107 |
| Tier 1 risk-based capital ratio | 15.5497% | 2,606 |
| Total risk-based capital ratio | 16.3635% | 2,727 |
| Memoranda: | ||
| Average total assets | $60,245,800 | 4,961 |
| Average earning assets | $55,859,000 | 4,956 |
| Average equity | $7,673,400 | 4,831 |
| Average total loans | $39,330,000 | 4,745 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3280% | 329 |
| Cost of funding earning assets | 0.3640% | 3,514 |
| Net interest margin | 4.9640% | 240 |
| Noninterest income to average assets | 0.9414% | 1,164 |
| Noninterest expense to average assets | 4.8359% | 243 |
| Loan and lease loss provision to assets | 0.1132% | 1,902 |
| Net operating income to assets | 0.5950% | 4,411 |
| Return on assets (ROA) | 0.5950% | 4,449 |
| Pretax return on assets | 0.5950% | 4,858 |
| Return on Equity (ROE) | 4.6556% | 4,650 |
| Retained earnings to average equity (ytd only) | 3.7350% | 3,704 |
| Net charge-offs to loans | 0.1702% | 1,227 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 6.2547% | 3,004 |
| Efficiency ratio | 87.2247% | 556 |
| Assets per employee ($millions) | 2.2538% | 5,589 |
| Cash dividends to net income (ytd only)* | 19.7750% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 3,222 |
| Loan loss allowance to noncurrent loans | 37.8453% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.6025% | 395 |
| Noncurrent loans to loans | 3.0268% | 419 |
| Net loans and leases to total assets | 60.5277% | 3,803 |
| Net loans and leases to deposits | 69.8904% | 3,970 |
| Net loans and leases to core deposits | 72.7758% | 4,086 |
| Total domestic deposits to total assets | 86.6036% | 2,045 |
| Equity capital to assets | 13.3042% | 1,248 |
| Core capital (leverage) ratio | 13.1198% | 1,159 |
| Tier 1 risk-based capital ratio | 16.5508% | 2,308 |
| Total risk-based capital ratio | 17.4276% | 2,379 |
| Memoranda: | ||
| Average total assets | $60,049,000 | 5,018 |
| Average earning assets | $55,679,000 | 5,015 |
| Average equity | $7,675,000 | 4,877 |
| Average total loans | $39,954,000 | 4,781 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2983% | 334 |
| Cost of funding earning assets | 0.3276% | 3,824 |
| Net interest margin | 4.9707% | 233 |
| Noninterest income to average assets | 0.9780% | 1,075 |
| Noninterest expense to average assets | 4.9064% | 231 |
| Loan and lease loss provision to assets | 0.1685% | 1,167 |
| Net operating income to assets | 0.5154% | 4,670 |
| Return on assets (ROA) | 0.5154% | 4,700 |
| Pretax return on assets | 0.5154% | 4,984 |
| Return on Equity (ROE) | 4.0866% | 4,805 |
| Retained earnings to average equity (ytd only) | 4.0866% | 3,278 |
| Net charge-offs to loans | 0.2663% | 765 |
| Credit loss provision to net charge-offs | 92.7273% | 2,113 |
| Earnings coverage of net charge-offs (x) | 3.7636% | 3,006 |
| Efficiency ratio | 87.7660% | 563 |
| Assets per employee ($millions) | 2.0364% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 3,465 |
| Loan loss allowance to noncurrent loans | 33.9450% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.7736% | 355 |
| Noncurrent loans to loans | 3.2986% | 364 |
| Net loans and leases to total assets | 60.8598% | 3,757 |
| Net loans and leases to deposits | 70.1581% | 3,902 |
| Net loans and leases to core deposits | 72.8352% | 4,031 |
| Total domestic deposits to total assets | 86.7467% | 2,067 |
| Equity capital to assets | 13.1754% | 1,293 |
| Core capital (leverage) ratio | 12.6852% | 1,301 |
| Tier 1 risk-based capital ratio | 16.3107% | 2,393 |
| Total risk-based capital ratio | 17.1730% | 2,475 |
| Memoranda: | ||
| Average total assets | $60,532,670 | 5,048 |
| Average earning assets | $56,169,000 | 5,045 |
| Average equity | $7,634,670 | 4,909 |
| Average total loans | $41,312,330 | 4,768 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4062% | 269 |
| Cost of funding earning assets | 0.2801% | 4,256 |
| Net interest margin | 5.1261% | 176 |
| Noninterest income to average assets | 0.7116% | 1,911 |
| Noninterest expense to average assets | 4.9028% | 247 |
| Loan and lease loss provision to assets | 0.2481% | 605 |
| Net operating income to assets | 0.3395% | 5,104 |
| Return on assets (ROA) | 0.3395% | 5,124 |
| Pretax return on assets | 0.3395% | 5,250 |
| Return on Equity (ROE) | 2.7508% | 5,164 |
| Retained earnings to average equity (ytd only) | 2.7508% | 4,034 |
| Net charge-offs to loans | 0.0365% | 2,054 |
| Credit loss provision to net charge-offs | 950.0000% | 343 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,414 |
| Efficiency ratio | 89.2985% | 589 |
| Assets per employee ($millions) | 1.9139% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 3,634 |
| Loan loss allowance to noncurrent loans | 38.4083% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 2.2695% | 541 |
| Noncurrent loans to loans | 2.8995% | 491 |
| Net loans and leases to total assets | 64.3716% | 3,222 |
| Net loans and leases to deposits | 73.5898% | 3,443 |
| Net loans and leases to core deposits | 76.2617% | 3,630 |
| Total domestic deposits to total assets | 87.4735% | 1,996 |
| Equity capital to assets | 12.4171% | 1,587 |
| Core capital (leverage) ratio | 12.5297% | 1,324 |
| Tier 1 risk-based capital ratio | 14.9976% | 2,963 |
| Total risk-based capital ratio | 15.8732% | 3,078 |
| Memoranda: | ||
| Average total assets | $61,270,500 | 5,089 |
| Average earning assets | $57,119,500 | 5,071 |
| Average equity | $7,561,500 | 4,962 |
| Average total loans | $43,794,000 | 4,734 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9702% | 131 |
| Cost of funding earning assets | 0.2603% | 4,462 |
| Net interest margin | 5.7099% | 83 |
| Noninterest income to average assets | 0.8734% | 1,504 |
| Noninterest expense to average assets | 4.8953% | 273 |
| Loan and lease loss provision to assets | 0.1377% | 1,812 |
| Net operating income to assets | 1.1716% | 1,599 |
| Return on assets (ROA) | 1.2024% | 1,586 |
| Pretax return on assets | 1.2024% | 2,663 |
| Return on Equity (ROE) | 9.8187% | 2,044 |
| Retained earnings to average equity (ytd only) | 4.3536% | 2,802 |
| Net charge-offs to loans | 0.1419% | 1,840 |
| Credit loss provision to net charge-offs | 128.7879% | 2,077 |
| Earnings coverage of net charge-offs (x) | 12.2424% | 2,470 |
| Efficiency ratio | 78.8979% | 1,569 |
| Assets per employee ($millions) | 1.9155% | 5,805 |
| Cash dividends to net income (ytd only)* | 55.6604% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 4,922 |
| Loan loss allowance to noncurrent loans | 50.4914% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.7538% | 861 |
| Noncurrent loans to loans | 1.7058% | 1,133 |
| Net loans and leases to total assets | 77.1808% | 1,333 |
| Net loans and leases to deposits | 93.4442% | 1,252 |
| Net loans and leases to core deposits | 94.9083% | 2,017 |
| Total domestic deposits to total assets | 82.5956% | 3,898 |
| Equity capital to assets | 12.2653% | 1,651 |
| Core capital (leverage) ratio | 12.0699% | 1,559 |
| Tier 1 risk-based capital ratio | 12.3149% | 4,497 |
| Total risk-based capital ratio | 12.9838% | 4,809 |
| Memoranda: | ||
| Average total assets | $61,711,800 | 5,101 |
| Average earning assets | $57,619,400 | 5,086 |
| Average equity | $7,557,000 | 4,998 |
| Average total loans | $46,506,000 | 4,681 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9127% | 136 |
| Cost of funding earning assets | 0.2564% | 4,544 |
| Net interest margin | 5.6563% | 90 |
| Noninterest income to average assets | 0.8908% | 1,436 |
| Noninterest expense to average assets | 4.7797% | 306 |
| Loan and lease loss provision to assets | 0.0971% | 2,284 |
| Net operating income to assets | 1.2963% | 1,304 |
| Return on assets (ROA) | 1.3179% | 1,321 |
| Pretax return on assets | 1.3179% | 2,356 |
| Return on Equity (ROE) | 10.7662% | 1,760 |
| Retained earnings to average equity (ytd only) | 6.1320% | 2,109 |
| Net charge-offs to loans | 0.1587% | 1,427 |
| Credit loss provision to net charge-offs | 81.8182% | 2,638 |
| Earnings coverage of net charge-offs (x) | 11.7457% | 2,455 |
| Efficiency ratio | 77.4284% | 1,770 |
| Assets per employee ($millions) | 2.0389% | 5,857 |
| Cash dividends to net income (ytd only)* | 43.0443% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 5,266 |
| Loan loss allowance to noncurrent loans | 115.7576% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 2,229 |
| Noncurrent loans to loans | 0.6677% | 3,027 |
| Net loans and leases to total assets | 77.5939% | 1,267 |
| Net loans and leases to deposits | 96.0724% | 1,041 |
| Net loans and leases to core deposits | 97.7420% | 1,837 |
| Total domestic deposits to total assets | 80.7661% | 4,303 |
| Equity capital to assets | 12.2773% | 1,916 |
| Core capital (leverage) ratio | 11.9374% | 1,720 |
| Tier 1 risk-based capital ratio | 12.0767% | 4,740 |
| Total risk-based capital ratio | 12.6869% | 5,031 |
| Memoranda: | ||
| Average total assets | $61,816,000 | 5,146 |
| Average earning assets | $57,727,750 | 5,126 |
| Average equity | $7,566,750 | 5,053 |
| Average total loans | $46,202,750 | 4,728 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8665% | 148 |
| Cost of funding earning assets | 0.2548% | 4,608 |
| Net interest margin | 5.6117% | 98 |
| Noninterest income to average assets | 0.8671% | 1,486 |
| Noninterest expense to average assets | 4.6974% | 327 |
| Loan and lease loss provision to assets | 0.0489% | 3,174 |
| Net operating income to assets | 1.3626% | 1,131 |
| Return on assets (ROA) | 1.3952% | 1,127 |
| Pretax return on assets | 1.3952% | 2,049 |
| Return on Equity (ROE) | 11.4098% | 1,509 |
| Retained earnings to average equity (ytd only) | 6.5580% | 1,848 |
| Net charge-offs to loans | 0.1994% | 1,148 |
| Credit loss provision to net charge-offs | 33.3333% | 2,826 |
| Earnings coverage of net charge-offs (x) | 9.6222% | 2,402 |
| Efficiency ratio | 76.8943% | 1,944 |
| Assets per employee ($millions) | 2.0197% | 5,935 |
| Cash dividends to net income (ytd only)* | 42.5234% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 5,327 |
| Loan loss allowance to noncurrent loans | 952.6316% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 3,434 |
| Noncurrent loans to loans | 0.0818% | 5,124 |
| Net loans and leases to total assets | 73.6404% | 1,911 |
| Net loans and leases to deposits | 89.0647% | 1,859 |
| Net loans and leases to core deposits | 90.5871% | 2,481 |
| Total domestic deposits to total assets | 82.6820% | 3,767 |
| Equity capital to assets | 12.2550% | 1,937 |
| Core capital (leverage) ratio | 11.9261% | 1,688 |
| Tier 1 risk-based capital ratio | 13.1126% | 4,128 |
| Total risk-based capital ratio | 13.7489% | 4,438 |
| Memoranda: | ||
| Average total assets | $61,352,670 | 5,214 |
| Average earning assets | $57,308,670 | 5,193 |
| Average equity | $7,502,330 | 5,108 |
| Average total loans | $45,128,330 | 4,793 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8090% | 160 |
| Cost of funding earning assets | 0.2391% | 4,816 |
| Net interest margin | 5.5699% | 104 |
| Noninterest income to average assets | 0.8761% | 1,370 |
| Noninterest expense to average assets | 4.7099% | 338 |
| Loan and lease loss provision to assets | 0.0659% | 2,645 |
| Net operating income to assets | 1.3174% | 1,214 |
| Return on assets (ROA) | 1.3504% | 1,203 |
| Pretax return on assets | 1.3504% | 2,090 |
| Return on Equity (ROE) | 11.0557% | 1,580 |
| Retained earnings to average equity (ytd only) | 5.6087% | 2,573 |
| Net charge-offs to loans | 0.1979% | 1,006 |
| Credit loss provision to net charge-offs | 45.4545% | 2,092 |
| Earnings coverage of net charge-offs (x) | 9.5455% | 1,982 |
| Efficiency ratio | 77.2973% | 1,992 |
| Assets per employee ($millions) | 2.0479% | 5,988 |
| Cash dividends to net income (ytd only)* | 49.2683% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 5,289 |
| Loan loss allowance to noncurrent loans | 19,000.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 3,666 |
| Noncurrent loans to loans | 0.0044% | 5,514 |
| Net loans and leases to total assets | 74.1540% | 1,701 |
| Net loans and leases to deposits | 87.6925% | 1,864 |
| Net loans and leases to core deposits | 88.7465% | 2,485 |
| Total domestic deposits to total assets | 84.5614% | 3,293 |
| Equity capital to assets | 12.2109% | 1,884 |
| Core capital (leverage) ratio | 12.2132% | 1,492 |
| Tier 1 risk-based capital ratio | 13.7836% | 3,824 |
| Total risk-based capital ratio | 14.4994% | 4,047 |
| Memoranda: | ||
| Average total assets | $60,723,500 | 5,278 |
| Average earning assets | $56,877,500 | 5,241 |
| Average equity | $7,417,000 | 5,148 |
| Average total loans | $44,458,000 | 4,853 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5927% | 237 |
| Cost of funding earning assets | 0.2359% | 4,939 |
| Net interest margin | 5.3567% | 154 |
| Noninterest income to average assets | 0.9228% | 1,371 |
| Noninterest expense to average assets | 4.7914% | 329 |
| Loan and lease loss provision to assets | 0.0517% | 3,287 |
| Net operating income to assets | 1.0829% | 1,999 |
| Return on assets (ROA) | 1.0898% | 2,034 |
| Pretax return on assets | 1.0898% | 3,108 |
| Return on Equity (ROE) | 8.6910% | 2,633 |
| Retained earnings to average equity (ytd only) | 3.5286% | 3,550 |
| Net charge-offs to loans | 0.1304% | 2,065 |
| Credit loss provision to net charge-offs | 58.8235% | 3,281 |
| Earnings coverage of net charge-offs (x) | 12.9216% | 2,412 |
| Efficiency ratio | 80.8542% | 1,555 |
| Assets per employee ($millions) | 1.9358% | 6,059 |
| Cash dividends to net income (ytd only)* | 59.3997% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 5,042 |
| Loan loss allowance to noncurrent loans | 2,450.0000% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 3,566 |
| Noncurrent loans to loans | 0.0372% | 5,374 |
| Net loans and leases to total assets | 70.9648% | 2,204 |
| Net loans and leases to deposits | 84.7736% | 2,272 |
| Net loans and leases to core deposits | 85.8243% | 2,811 |
| Total domestic deposits to total assets | 83.7110% | 3,587 |
| Equity capital to assets | 12.2180% | 1,806 |
| Core capital (leverage) ratio | 12.1304% | 1,543 |
| Tier 1 risk-based capital ratio | 13.5136% | 3,997 |
| Total risk-based capital ratio | 14.2480% | 4,229 |
| Memoranda: | ||
| Average total assets | $58,083,000 | 5,362 |
| Average earning assets | $54,249,600 | 5,336 |
| Average equity | $7,283,400 | 5,193 |
| Average total loans | $39,115,400 | 5,048 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5488% | 242 |
| Cost of funding earning assets | 0.2335% | 5,061 |
| Net interest margin | 5.3153% | 165 |
| Noninterest income to average assets | 0.9305% | 1,373 |
| Noninterest expense to average assets | 4.7729% | 345 |
| Loan and lease loss provision to assets | 0.0579% | 3,030 |
| Net operating income to assets | 1.0532% | 2,201 |
| Return on assets (ROA) | 1.0532% | 2,297 |
| Pretax return on assets | 1.0532% | 3,397 |
| Return on Equity (ROE) | 8.3431% | 2,910 |
| Retained earnings to average equity (ytd only) | 4.0341% | 3,597 |
| Net charge-offs to loans | 0.0734% | 2,511 |
| Credit loss provision to net charge-offs | 119.0476% | 1,999 |
| Earnings coverage of net charge-offs (x) | 22.8564% | 1,757 |
| Efficiency ratio | 81.1172% | 1,508 |
| Assets per employee ($millions) | 2.0523% | 6,125 |
| Cash dividends to net income (ytd only)* | 51.6492% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 4,532 |
| Loan loss allowance to noncurrent loans | 104.7739% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0989% | 2,155 |
| Noncurrent loans to loans | 0.9917% | 2,511 |
| Net loans and leases to total assets | 66.7350% | 2,891 |
| Net loans and leases to deposits | 80.5900% | 2,809 |
| Net loans and leases to core deposits | 81.6051% | 3,299 |
| Total domestic deposits to total assets | 82.8080% | 3,878 |
| Equity capital to assets | 12.3547% | 1,826 |
| Core capital (leverage) ratio | 12.4135% | 1,456 |
| Tier 1 risk-based capital ratio | 14.7870% | 3,393 |
| Total risk-based capital ratio | 15.6461% | 3,547 |
| Memoranda: | ||
| Average total assets | $57,601,250 | 5,440 |
| Average earning assets | $53,679,750 | 5,414 |
| Average equity | $7,271,250 | 5,260 |
| Average total loans | $38,149,750 | 5,137 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5303% | 253 |
| Cost of funding earning assets | 0.2292% | 5,157 |
| Net interest margin | 5.3011% | 160 |
| Noninterest income to average assets | 0.9655% | 1,259 |
| Noninterest expense to average assets | 4.7715% | 348 |
| Loan and lease loss provision to assets | 0.0702% | 2,702 |
| Net operating income to assets | 1.0779% | 2,018 |
| Return on assets (ROA) | 1.0779% | 2,125 |
| Pretax return on assets | 1.0779% | 3,269 |
| Return on Equity (ROE) | 8.4760% | 2,811 |
| Retained earnings to average equity (ytd only) | 3.9205% | 3,511 |
| Net charge-offs to loans | 0.0907% | 2,123 |
| Credit loss provision to net charge-offs | 117.6471% | 1,831 |
| Earnings coverage of net charge-offs (x) | 19.2353% | 1,757 |
| Efficiency ratio | 80.6050% | 1,677 |
| Assets per employee ($millions) | 1.8058% | 6,236 |
| Cash dividends to net income (ytd only)* | 53.7459% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 4,206 |
| Loan loss allowance to noncurrent loans | 156.3910% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9825% | 2,562 |
| Noncurrent loans to loans | 0.7186% | 3,333 |
| Net loans and leases to total assets | 65.3805% | 3,071 |
| Net loans and leases to deposits | 75.7780% | 3,295 |
| Net loans and leases to core deposits | 76.7505% | 3,695 |
| Total domestic deposits to total assets | 86.2790% | 2,539 |
| Equity capital to assets | 12.9832% | 1,415 |
| Core capital (leverage) ratio | 12.3199% | 1,473 |
| Tier 1 risk-based capital ratio | 13.9972% | 3,925 |
| Total risk-based capital ratio | 14.8176% | 4,110 |
| Memoranda: | ||
| Average total assets | $56,963,000 | 5,515 |
| Average earning assets | $53,234,330 | 5,483 |
| Average equity | $7,244,000 | 5,307 |
| Average total loans | $37,488,000 | 5,203 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4911% | 264 |
| Cost of funding earning assets | 0.2300% | 5,216 |
| Net interest margin | 5.2611% | 166 |
| Noninterest income to average assets | 0.9747% | 1,177 |
| Noninterest expense to average assets | 4.7620% | 353 |
| Loan and lease loss provision to assets | 0.0696% | 2,548 |
| Net operating income to assets | 1.0791% | 1,939 |
| Return on assets (ROA) | 1.0791% | 2,057 |
| Pretax return on assets | 1.0791% | 3,169 |
| Return on Equity (ROE) | 8.5730% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.5730% | 1,347 |
| Net charge-offs to loans | 0.0424% | 2,386 |
| Credit loss provision to net charge-offs | 250.0000% | 913 |
| Earnings coverage of net charge-offs (x) | 41.2500% | 958 |
| Efficiency ratio | 80.5654% | 1,819 |
| Assets per employee ($millions) | 1.9654% | 6,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 4,399 |
| Loan loss allowance to noncurrent loans | 68.6885% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.5194% | 1,714 |
| Noncurrent loans to loans | 1.6373% | 1,705 |
| Net loans and leases to total assets | 64.6303% | 3,000 |
| Net loans and leases to deposits | 74.2702% | 3,273 |
| Net loans and leases to core deposits | 75.1949% | 3,667 |
| Total domestic deposits to total assets | 87.0206% | 2,357 |
| Equity capital to assets | 12.8706% | 1,467 |
| Core capital (leverage) ratio | 12.2983% | 1,463 |
| Tier 1 risk-based capital ratio | 15.2713% | 3,281 |
| Total risk-based capital ratio | 16.1710% | 3,411 |
| Memoranda: | ||
| Average total assets | $57,454,500 | 5,557 |
| Average earning assets | $53,905,500 | 5,514 |
| Average equity | $7,232,000 | 5,358 |
| Average total loans | $37,724,000 | 5,222 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1385% | 585 |
| Cost of funding earning assets | 0.3048% | 4,742 |
| Net interest margin | 4.8337% | 407 |
| Noninterest income to average assets | 0.9984% | 1,218 |
| Noninterest expense to average assets | 4.5660% | 440 |
| Loan and lease loss provision to assets | 0.1431% | 1,857 |
| Net operating income to assets | 0.7745% | 3,501 |
| Return on assets (ROA) | 0.7829% | 3,545 |
| Pretax return on assets | 0.7829% | 4,319 |
| Return on Equity (ROE) | 6.7401% | 3,768 |
| Retained earnings to average equity (ytd only) | 3.5512% | 3,702 |
| Net charge-offs to loans | 0.1885% | 2,167 |
| Credit loss provision to net charge-offs | 128.7879% | 1,856 |
| Earnings coverage of net charge-offs (x) | 8.2576% | 2,905 |
| Efficiency ratio | 83.2668% | 1,489 |
| Assets per employee ($millions) | 2.0683% | 6,355 |
| Cash dividends to net income (ytd only)* | 47.3118% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 4,634 |
| Loan loss allowance to noncurrent loans | 86.7647% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.2640% | 2,230 |
| Noncurrent loans to loans | 1.2464% | 2,367 |
| Net loans and leases to total assets | 65.2346% | 3,014 |
| Net loans and leases to deposits | 74.4541% | 3,375 |
| Net loans and leases to core deposits | 74.9846% | 3,823 |
| Total domestic deposits to total assets | 87.6172% | 1,970 |
| Equity capital to assets | 12.3085% | 1,769 |
| Core capital (leverage) ratio | 12.0304% | 1,598 |
| Tier 1 risk-based capital ratio | 17.5972% | 2,279 |
| Total risk-based capital ratio | 18.6420% | 2,324 |
| Memoranda: | ||
| Average total assets | $59,395,600 | 5,563 |
| Average earning assets | $55,113,600 | 5,547 |
| Average equity | $6,899,000 | 5,437 |
| Average total loans | $35,021,000 | 5,363 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 711 |
| Cost of funding earning assets | 0.3230% | 4,640 |
| Net interest margin | 4.7228% | 480 |
| Noninterest income to average assets | 1.0061% | 1,212 |
| Noninterest expense to average assets | 4.5732% | 426 |
| Loan and lease loss provision to assets | 0.1227% | 2,033 |
| Net operating income to assets | 0.6804% | 4,039 |
| Return on assets (ROA) | 0.6626% | 4,246 |
| Pretax return on assets | 0.6626% | 4,828 |
| Return on Equity (ROE) | 5.7878% | 4,346 |
| Retained earnings to average equity (ytd only) | 2.5334% | 4,782 |
| Net charge-offs to loans | 0.1714% | 2,079 |
| Credit loss provision to net charge-offs | 125.0000% | 1,833 |
| Earnings coverage of net charge-offs (x) | 8.1812% | 2,843 |
| Efficiency ratio | 85.0622% | 1,279 |
| Assets per employee ($millions) | 1.9550% | 6,457 |
| Cash dividends to net income (ytd only)* | 56.2287% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 4,537 |
| Loan loss allowance to noncurrent loans | 86.7238% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.2361% | 2,487 |
| Noncurrent loans to loans | 1.3188% | 2,443 |
| Net loans and leases to total assets | 59.6836% | 3,848 |
| Net loans and leases to deposits | 70.6915% | 3,838 |
| Net loans and leases to core deposits | 71.5717% | 4,196 |
| Total domestic deposits to total assets | 84.4282% | 3,578 |
| Equity capital to assets | 11.8822% | 2,170 |
| Core capital (leverage) ratio | 11.4287% | 2,120 |
| Tier 1 risk-based capital ratio | 18.1833% | 2,152 |
| Total risk-based capital ratio | 19.2596% | 2,167 |
| Memoranda: | ||
| Average total assets | $59,766,750 | 5,616 |
| Average earning assets | $55,304,250 | 5,607 |
| Average equity | $6,841,750 | 5,504 |
| Average total loans | $34,228,500 | 5,443 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 804 |
| Cost of funding earning assets | 0.3420% | 4,517 |
| Net interest margin | 4.6152% | 568 |
| Noninterest income to average assets | 0.9844% | 1,247 |
| Noninterest expense to average assets | 4.5728% | 418 |
| Loan and lease loss provision to assets | 0.1164% | 2,095 |
| Net operating income to assets | 0.5587% | 4,550 |
| Return on assets (ROA) | 0.5321% | 4,773 |
| Pretax return on assets | 0.5321% | 5,184 |
| Return on Equity (ROE) | 4.7063% | 4,816 |
| Retained earnings to average equity (ytd only) | 0.4706% | 5,555 |
| Net charge-offs to loans | 0.2010% | 1,823 |
| Credit loss provision to net charge-offs | 102.9412% | 1,932 |
| Earnings coverage of net charge-offs (x) | 5.9706% | 2,840 |
| Efficiency ratio | 87.1356% | 1,172 |
| Assets per employee ($millions) | 1.9641% | 6,517 |
| Cash dividends to net income (ytd only)* | 90.0000% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 4,624 |
| Loan loss allowance to noncurrent loans | 74.3879% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9099% | 3,266 |
| Noncurrent loans to loans | 1.5589% | 2,224 |
| Net loans and leases to total assets | 55.2968% | 4,374 |
| Net loans and leases to deposits | 62.4163% | 4,652 |
| Net loans and leases to core deposits | 63.1255% | 4,891 |
| Total domestic deposits to total assets | 88.5934% | 1,585 |
| Equity capital to assets | 11.2670% | 2,642 |
| Core capital (leverage) ratio | 11.3192% | 2,144 |
| Tier 1 risk-based capital ratio | 17.1997% | 2,536 |
| Total risk-based capital ratio | 18.2095% | 2,596 |
| Memoranda: | ||
| Average total assets | $60,138,670 | 5,656 |
| Average earning assets | $55,555,330 | 5,639 |
| Average equity | $6,799,330 | 5,535 |
| Average total loans | $33,834,670 | 5,499 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0711% | 625 |
| Cost of funding earning assets | 0.3575% | 4,466 |
| Net interest margin | 4.7136% | 455 |
| Noninterest income to average assets | 0.9772% | 1,184 |
| Noninterest expense to average assets | 4.4307% | 487 |
| Loan and lease loss provision to assets | 0.1004% | 2,248 |
| Net operating income to assets | 0.7697% | 3,310 |
| Return on assets (ROA) | 0.7697% | 3,392 |
| Pretax return on assets | 0.7697% | 4,229 |
| Return on Equity (ROE) | 6.7957% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.7957% | 2,147 |
| Net charge-offs to loans | 0.1779% | 1,656 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,003 |
| Efficiency ratio | 83.5859% | 1,718 |
| Assets per employee ($millions) | 2.0345% | 6,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 4,698 |
| Loan loss allowance to noncurrent loans | 138.2456% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 4,585 |
| Noncurrent loans to loans | 0.8587% | 3,743 |
| Net loans and leases to total assets | 55.5872% | 4,197 |
| Net loans and leases to deposits | 62.9646% | 4,436 |
| Net loans and leases to core deposits | 63.7045% | 4,713 |
| Total domestic deposits to total assets | 88.2832% | 2,064 |
| Equity capital to assets | 11.6049% | 2,164 |
| Core capital (leverage) ratio | 11.4268% | 2,022 |
| Tier 1 risk-based capital ratio | 19.5291% | 1,827 |
| Total risk-based capital ratio | 20.6563% | 1,830 |
| Memoranda: | ||
| Average total assets | $59,765,000 | 5,718 |
| Average earning assets | $54,820,000 | 5,710 |
| Average equity | $6,769,000 | 5,575 |
| Average total loans | $33,720,500 | 5,560 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4985% | 361 |
| Cost of funding earning assets | 0.4489% | 4,129 |
| Net interest margin | 5.0496% | 288 |
| Noninterest income to average assets | 1.0498% | 1,275 |
| Noninterest expense to average assets | 4.4511% | 544 |
| Loan and lease loss provision to assets | 0.0259% | 4,612 |
| Net operating income to assets | 1.2345% | 1,436 |
| Return on assets (ROA) | 1.2449% | 1,464 |
| Pretax return on assets | 1.2449% | 2,392 |
| Return on Equity (ROE) | 10.7986% | 1,830 |
| Retained earnings to average equity (ytd only) | 4.5081% | 2,968 |
| Net charge-offs to loans | 0.1174% | 3,640 |
| Credit loss provision to net charge-offs | 35.7143% | 4,137 |
| Earnings coverage of net charge-offs (x) | 17.3810% | 1,721 |
| Efficiency ratio | 77.9323% | 2,478 |
| Assets per employee ($millions) | 2.1618% | 6,583 |
| Cash dividends to net income (ytd only)* | 58.2524% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 4,913 |
| Loan loss allowance to noncurrent loans | 154.5098% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 4,865 |
| Noncurrent loans to loans | 0.7445% | 4,099 |
| Net loans and leases to total assets | 55.9335% | 4,327 |
| Net loans and leases to deposits | 62.9797% | 4,613 |
| Net loans and leases to core deposits | 63.6930% | 4,897 |
| Total domestic deposits to total assets | 88.8120% | 1,743 |
| Equity capital to assets | 11.0542% | 2,564 |
| Core capital (leverage) ratio | 11.0493% | 2,342 |
| Tier 1 risk-based capital ratio | 18.6657% | 2,024 |
| Total risk-based capital ratio | 19.7614% | 2,047 |
| Memoranda: | ||
| Average total assets | $57,917,800 | 5,808 |
| Average earning assets | $53,469,600 | 5,789 |
| Average equity | $6,676,800 | 5,652 |
| Average total loans | $35,760,000 | 5,504 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5315% | 351 |
| Cost of funding earning assets | 0.4534% | 4,241 |
| Net interest margin | 5.0780% | 273 |
| Noninterest income to average assets | 1.0896% | 1,233 |
| Noninterest expense to average assets | 4.4890% | 524 |
| Loan and lease loss provision to assets | 0.0349% | 4,319 |
| Net operating income to assets | 1.2852% | 1,387 |
| Return on assets (ROA) | 1.2992% | 1,416 |
| Pretax return on assets | 1.2992% | 2,333 |
| Return on Equity (ROE) | 11.1487% | 1,772 |
| Retained earnings to average equity (ytd only) | 5.7142% | 2,583 |
| Net charge-offs to loans | 0.0849% | 3,733 |
| Credit loss provision to net charge-offs | 65.2174% | 3,177 |
| Earnings coverage of net charge-offs (x) | 24.6488% | 1,416 |
| Efficiency ratio | 77.2745% | 2,517 |
| Assets per employee ($millions) | 2.1255% | 6,666 |
| Cash dividends to net income (ytd only)* | 48.7459% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 5,070 |
| Loan loss allowance to noncurrent loans | 2,753.3333% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 6,256 |
| Noncurrent loans to loans | 0.0421% | 6,218 |
| Net loans and leases to total assets | 59.1095% | 3,836 |
| Net loans and leases to deposits | 66.7002% | 4,219 |
| Net loans and leases to core deposits | 67.4677% | 4,573 |
| Total domestic deposits to total assets | 88.6197% | 1,772 |
| Equity capital to assets | 11.1602% | 2,608 |
| Core capital (leverage) ratio | 11.4994% | 2,043 |
| Tier 1 risk-based capital ratio | 18.0332% | 2,310 |
| Total risk-based capital ratio | 19.1453% | 2,323 |
| Memoranda: | ||
| Average total assets | $57,265,000 | 5,896 |
| Average earning assets | $53,221,500 | 5,856 |
| Average equity | $6,673,250 | 5,725 |
| Average total loans | $36,137,500 | 5,544 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6190% | 307 |
| Cost of funding earning assets | 0.4797% | 4,104 |
| Net interest margin | 5.1394% | 231 |
| Noninterest income to average assets | 1.1324% | 1,187 |
| Noninterest expense to average assets | 4.5262% | 510 |
| Loan and lease loss provision to assets | 0.0531% | 3,928 |
| Net operating income to assets | 1.3306% | 1,242 |
| Return on assets (ROA) | 1.3519% | 1,273 |
| Pretax return on assets | 1.3519% | 2,113 |
| Return on Equity (ROE) | 11.4308% | 1,665 |
| Retained earnings to average equity (ytd only) | 6.0147% | 2,433 |
| Net charge-offs to loans | 0.0936% | 3,426 |
| Credit loss provision to net charge-offs | 88.2353% | 2,478 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,345 |
| Efficiency ratio | 76.5868% | 2,699 |
| Assets per employee ($millions) | 2.0395% | 6,736 |
| Cash dividends to net income (ytd only)* | 47.3822% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,198 |
| Loan loss allowance to noncurrent loans | 1,351.6129% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 6,130 |
| Noncurrent loans to loans | 0.0857% | 6,137 |
| Net loans and leases to total assets | 62.6035% | 3,180 |
| Net loans and leases to deposits | 70.9106% | 3,598 |
| Net loans and leases to core deposits | 70.9106% | 4,174 |
| Total domestic deposits to total assets | 88.2851% | 2,054 |
| Equity capital to assets | 11.5502% | 2,254 |
| Core capital (leverage) ratio | 11.4081% | 2,015 |
| Tier 1 risk-based capital ratio | 18.1047% | 2,284 |
| Total risk-based capital ratio | 19.2519% | 2,283 |
| Memoranda: | ||
| Average total assets | $56,515,000 | 5,955 |
| Average earning assets | $52,535,670 | 5,922 |
| Average equity | $6,683,670 | 5,765 |
| Average total loans | $36,319,330 | 5,564 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5918% | 318 |
| Cost of funding earning assets | 0.5132% | 3,941 |
| Net interest margin | 5.0786% | 251 |
| Noninterest income to average assets | 1.1171% | 1,191 |
| Noninterest expense to average assets | 4.4967% | 537 |
| Loan and lease loss provision to assets | 0.0356% | 3,999 |
| Net operating income to assets | 1.3021% | 1,270 |
| Return on assets (ROA) | 1.3021% | 1,371 |
| Pretax return on assets | 1.3021% | 2,225 |
| Return on Equity (ROE) | 10.8807% | 1,743 |
| Retained earnings to average equity (ytd only) | 5.5295% | 2,938 |
| Net charge-offs to loans | 0.1099% | 2,773 |
| Credit loss provision to net charge-offs | 50.0000% | 2,595 |
| Earnings coverage of net charge-offs (x) | 18.8000% | 1,247 |
| Efficiency ratio | 77.0732% | 2,747 |
| Assets per employee ($millions) | 1.9615% | 6,853 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 5,461 |
| Loan loss allowance to noncurrent loans | 1,386.6667% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 6,109 |
| Noncurrent loans to loans | 0.0819% | 6,236 |
| Net loans and leases to total assets | 63.6576% | 2,779 |
| Net loans and leases to deposits | 72.3381% | 3,135 |
| Net loans and leases to core deposits | 72.7026% | 3,739 |
| Total domestic deposits to total assets | 88.0001% | 2,310 |
| Equity capital to assets | 11.8786% | 2,121 |
| Core capital (leverage) ratio | 11.5428% | 1,851 |
| Tier 1 risk-based capital ratio | 17.5258% | 2,549 |
| Total risk-based capital ratio | 18.6468% | 2,568 |
| Memoranda: | ||
| Average total assets | $56,219,000 | 6,014 |
| Average earning assets | $52,219,000 | 5,977 |
| Average equity | $6,727,500 | 5,806 |
| Average total loans | $36,394,000 | 5,600 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7983% | 367 |
| Cost of funding earning assets | 0.5602% | 4,725 |
| Net interest margin | 5.2380% | 252 |
| Noninterest income to average assets | 1.2515% | 995 |
| Noninterest expense to average assets | 4.8831% | 416 |
| Loan and lease loss provision to assets | 0.1989% | 3,148 |
| Net operating income to assets | 1.0056% | 2,313 |
| Return on assets (ROA) | 1.3926% | 1,224 |
| Pretax return on assets | 1.3926% | 2,062 |
| Return on Equity (ROE) | 11.6698% | 1,606 |
| Retained earnings to average equity (ytd only) | 5.4257% | 2,427 |
| Net charge-offs to loans | 0.2176% | 3,651 |
| Credit loss provision to net charge-offs | 142.8571% | 1,912 |
| Earnings coverage of net charge-offs (x) | 8.6494% | 2,373 |
| Efficiency ratio | 80.2139% | 2,118 |
| Assets per employee ($millions) | 1.9157% | 6,924 |
| Cash dividends to net income (ytd only)* | 53.5065% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,288 |
| Loan loss allowance to noncurrent loans | 779.6296% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 6,051 |
| Noncurrent loans to loans | 0.1493% | 6,105 |
| Net loans and leases to total assets | 64.3338% | 2,838 |
| Net loans and leases to deposits | 73.2798% | 3,212 |
| Net loans and leases to core deposits | 73.6588% | 3,824 |
| Total domestic deposits to total assets | 87.7921% | 2,354 |
| Equity capital to assets | 12.0567% | 2,010 |
| Core capital (leverage) ratio | 11.5850% | 1,817 |
| Tier 1 risk-based capital ratio | 17.7582% | 2,361 |
| Total risk-based capital ratio | 18.9245% | 2,354 |
| Memoranda: | ||
| Average total assets | $55,292,600 | 6,038 |
| Average earning assets | $51,049,800 | 6,009 |
| Average equity | $6,598,200 | 5,869 |
| Average total loans | $35,380,800 | 5,705 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7720% | 412 |
| Cost of funding earning assets | 0.5599% | 4,994 |
| Net interest margin | 5.2120% | 289 |
| Noninterest income to average assets | 1.2699% | 914 |
| Noninterest expense to average assets | 4.8791% | 397 |
| Loan and lease loss provision to assets | 0.2656% | 2,452 |
| Net operating income to assets | 0.9343% | 2,819 |
| Return on assets (ROA) | 1.4509% | 1,250 |
| Pretax return on assets | 1.4509% | 2,073 |
| Return on Equity (ROE) | 12.1905% | 1,568 |
| Retained earnings to average equity (ytd only) | 8.6409% | 1,359 |
| Net charge-offs to loans | 0.2425% | 3,266 |
| Credit loss provision to net charge-offs | 171.8750% | 1,619 |
| Earnings coverage of net charge-offs (x) | 7.7657% | 2,553 |
| Efficiency ratio | 80.2621% | 2,057 |
| Assets per employee ($millions) | 1.7476% | 7,052 |
| Cash dividends to net income (ytd only)* | 29.1186% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 5,162 |
| Loan loss allowance to noncurrent loans | 466.6667% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 6,110 |
| Noncurrent loans to loans | 0.2629% | 5,964 |
| Net loans and leases to total assets | 64.4942% | 2,934 |
| Net loans and leases to deposits | 74.6938% | 3,186 |
| Net loans and leases to core deposits | 74.6938% | 3,892 |
| Total domestic deposits to total assets | 86.3448% | 3,062 |
| Equity capital to assets | 12.5459% | 1,861 |
| Core capital (leverage) ratio | 11.9556% | 1,681 |
| Tier 1 risk-based capital ratio | 17.9322% | 2,380 |
| Total risk-based capital ratio | 19.1336% | 2,363 |
| Memoranda: | ||
| Average total assets | $55,227,250 | 6,117 |
| Average earning assets | $50,957,750 | 6,090 |
| Average equity | $6,573,250 | 5,943 |
| Average total loans | $35,185,750 | 5,784 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7394% | 452 |
| Cost of funding earning assets | 0.5622% | 5,214 |
| Net interest margin | 5.1772% | 307 |
| Noninterest income to average assets | 1.2667% | 890 |
| Noninterest expense to average assets | 4.9409% | 396 |
| Loan and lease loss provision to assets | 0.3958% | 1,662 |
| Net operating income to assets | 0.7017% | 3,858 |
| Return on assets (ROA) | 1.4718% | 1,171 |
| Pretax return on assets | 1.4718% | 1,950 |
| Return on Equity (ROE) | 12.5872% | 1,477 |
| Retained earnings to average equity (ytd only) | 9.0480% | 1,262 |
| Net charge-offs to loans | 0.2904% | 2,867 |
| Credit loss provision to net charge-offs | 215.6863% | 1,310 |
| Earnings coverage of net charge-offs (x) | 5.9804% | 2,723 |
| Efficiency ratio | 81.8236% | 1,903 |
| Assets per employee ($millions) | 1.8345% | 7,096 |
| Cash dividends to net income (ytd only)* | 28.1174% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 5,029 |
| Loan loss allowance to noncurrent loans | 687.6923% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 6,333 |
| Noncurrent loans to loans | 0.1850% | 6,213 |
| Net loans and leases to total assets | 63.0333% | 3,225 |
| Net loans and leases to deposits | 71.7898% | 3,645 |
| Net loans and leases to core deposits | 71.7898% | 4,319 |
| Total domestic deposits to total assets | 87.8025% | 2,280 |
| Equity capital to assets | 12.0339% | 2,126 |
| Core capital (leverage) ratio | 11.4835% | 1,916 |
| Tier 1 risk-based capital ratio | 17.6263% | 2,427 |
| Total risk-based capital ratio | 18.8679% | 2,403 |
| Memoranda: | ||
| Average total assets | $55,577,330 | 6,146 |
| Average earning assets | $51,225,000 | 6,114 |
| Average equity | $6,498,670 | 5,985 |
| Average total loans | $35,122,670 | 5,827 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6859% | 530 |
| Cost of funding earning assets | 0.5545% | 5,470 |
| Net interest margin | 5.1314% | 327 |
| Noninterest income to average assets | 1.2391% | 925 |
| Noninterest expense to average assets | 4.9420% | 382 |
| Loan and lease loss provision to assets | 0.6446% | 848 |
| Net operating income to assets | 0.3581% | 5,440 |
| Return on assets (ROA) | 1.8980% | 569 |
| Pretax return on assets | 1.8980% | 882 |
| Return on Equity (ROE) | 16.4686% | 744 |
| Retained earnings to average equity (ytd only) | 13.0506% | 676 |
| Net charge-offs to loans | 0.8316% | 1,236 |
| Credit loss provision to net charge-offs | 123.2877% | 1,939 |
| Earnings coverage of net charge-offs (x) | 1.9178% | 3,371 |
| Efficiency ratio | 83.1325% | 1,781 |
| Assets per employee ($millions) | 1.7936% | 7,172 |
| Cash dividends to net income (ytd only)* | 20.7547% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 5,766 |
| Loan loss allowance to noncurrent loans | 55.4795% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.8830% | 3,071 |
| Noncurrent loans to loans | 2.0510% | 3,086 |
| Net loans and leases to total assets | 63.2826% | 2,985 |
| Net loans and leases to deposits | 71.5881% | 3,496 |
| Net loans and leases to core deposits | 71.9556% | 4,157 |
| Total domestic deposits to total assets | 88.3981% | 2,069 |
| Equity capital to assets | 11.4706% | 2,465 |
| Core capital (leverage) ratio | 11.4646% | 1,917 |
| Tier 1 risk-based capital ratio | 17.0431% | 2,668 |
| Total risk-based capital ratio | 18.1452% | 2,674 |
| Memoranda: | ||
| Average total assets | $55,848,000 | 6,180 |
| Average earning assets | $51,214,500 | 6,145 |
| Average equity | $6,436,500 | 6,031 |
| Average total loans | $35,115,000 | 5,865 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8704% | 556 |
| Cost of funding earning assets | 0.5943% | 6,114 |
| Net interest margin | 5.2761% | 252 |
| Noninterest income to average assets | 1.5823% | 540 |
| Noninterest expense to average assets | 5.1900% | 338 |
| Loan and lease loss provision to assets | 0.5223% | 2,012 |
| Net operating income to assets | 0.6790% | 3,584 |
| Return on assets (ROA) | 1.1819% | 1,676 |
| Pretax return on assets | 1.1819% | 2,515 |
| Return on Equity (ROE) | 9.5696% | 2,219 |
| Retained earnings to average equity (ytd only) | 2.1614% | 4,679 |
| Net charge-offs to loans | 1.2476% | 1,336 |
| Credit loss provision to net charge-offs | 65.0602% | 5,026 |
| Earnings coverage of net charge-offs (x) | 1.4964% | 4,647 |
| Efficiency ratio | 81.2046% | 2,131 |
| Assets per employee ($millions) | 1.8095% | 7,210 |
| Cash dividends to net income (ytd only)* | 77.4141% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 5,737 |
| Loan loss allowance to noncurrent loans | 91.0798% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.8202% | 3,229 |
| Noncurrent loans to loans | 1.2299% | 4,310 |
| Net loans and leases to total assets | 61.0593% | 3,769 |
| Net loans and leases to deposits | 69.1751% | 4,247 |
| Net loans and leases to core deposits | 69.5276% | 4,845 |
| Total domestic deposits to total assets | 88.2677% | 1,987 |
| Equity capital to assets | 11.5790% | 2,444 |
| Core capital (leverage) ratio | 11.3802% | 1,980 |
| Tier 1 risk-based capital ratio | 16.2933% | 2,911 |
| Total risk-based capital ratio | 17.3379% | 2,958 |
| Memoranda: | ||
| Average total assets | $51,696,000 | 6,310 |
| Average earning assets | $47,117,800 | 6,288 |
| Average equity | $6,384,800 | 6,045 |
| Average total loans | $33,263,400 | 5,993 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8979% | 564 |
| Cost of funding earning assets | 0.6062% | 6,260 |
| Net interest margin | 5.2916% | 249 |
| Noninterest income to average assets | 1.6654% | 492 |
| Noninterest expense to average assets | 5.0911% | 345 |
| Loan and lease loss provision to assets | 0.2635% | 3,400 |
| Net operating income to assets | 1.1410% | 1,834 |
| Return on assets (ROA) | 1.1489% | 1,932 |
| Pretax return on assets | 1.1489% | 2,828 |
| Return on Equity (ROE) | 9.1442% | 2,532 |
| Retained earnings to average equity (ytd only) | 4.6141% | 3,434 |
| Net charge-offs to loans | 1.1016% | 1,437 |
| Credit loss provision to net charge-offs | 36.7647% | 5,306 |
| Earnings coverage of net charge-offs (x) | 1.9595% | 4,186 |
| Efficiency ratio | 78.3773% | 2,497 |
| Assets per employee ($millions) | 1.6808% | 7,311 |
| Cash dividends to net income (ytd only)* | 49.5407% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 5,963 |
| Loan loss allowance to noncurrent loans | 45.0687% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 2.6849% | 2,413 |
| Noncurrent loans to loans | 2.3956% | 2,895 |
| Net loans and leases to total assets | 63.4764% | 3,419 |
| Net loans and leases to deposits | 73.0713% | 3,795 |
| Net loans and leases to core deposits | 73.4771% | 4,533 |
| Total domestic deposits to total assets | 86.8691% | 2,731 |
| Equity capital to assets | 13.0177% | 1,608 |
| Core capital (leverage) ratio | 11.7147% | 1,878 |
| Tier 1 risk-based capital ratio | 17.4389% | 2,473 |
| Total risk-based capital ratio | 18.4650% | 2,520 |
| Memoranda: | ||
| Average total assets | $50,596,750 | 6,406 |
| Average earning assets | $46,185,000 | 6,377 |
| Average equity | $6,357,250 | 6,093 |
| Average total loans | $32,919,750 | 6,078 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8221% | 688 |
| Cost of funding earning assets | 0.6089% | 6,414 |
| Net interest margin | 5.2132% | 272 |
| Noninterest income to average assets | 1.7008% | 464 |
| Noninterest expense to average assets | 5.0545% | 355 |
| Loan and lease loss provision to assets | 0.1996% | 3,932 |
| Net operating income to assets | 1.1978% | 1,579 |
| Return on assets (ROA) | 1.2097% | 1,627 |
| Pretax return on assets | 1.2097% | 2,443 |
| Return on Equity (ROE) | 9.7501% | 2,208 |
| Retained earnings to average equity (ytd only) | 4.8268% | 3,101 |
| Net charge-offs to loans | 0.1221% | 4,494 |
| Credit loss provision to net charge-offs | 250.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,295 |
| Efficiency ratio | 78.3416% | 2,657 |
| Assets per employee ($millions) | 1.5358% | 7,407 |
| Cash dividends to net income (ytd only)* | 50.4950% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 3,306 |
| Loan loss allowance to noncurrent loans | 68.9106% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 2.8393% | 2,363 |
| Noncurrent loans to loans | 2.4752% | 2,910 |
| Net loans and leases to total assets | 64.0161% | 3,455 |
| Net loans and leases to deposits | 77.8519% | 3,142 |
| Net loans and leases to core deposits | 78.3369% | 4,017 |
| Total domestic deposits to total assets | 82.2281% | 5,087 |
| Equity capital to assets | 12.6773% | 1,692 |
| Core capital (leverage) ratio | 11.9668% | 1,618 |
| Tier 1 risk-based capital ratio | 17.7091% | 2,262 |
| Total risk-based capital ratio | 18.9646% | 2,223 |
| Memoranda: | ||
| Average total assets | $50,093,670 | 6,478 |
| Average earning assets | $45,653,330 | 6,451 |
| Average equity | $6,215,330 | 6,170 |
| Average total loans | $32,747,670 | 6,152 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7306% | 832 |
| Cost of funding earning assets | 0.6093% | 6,575 |
| Net interest margin | 5.1214% | 292 |
| Noninterest income to average assets | 1.7430% | 451 |
| Noninterest expense to average assets | 5.0361% | 356 |
| Loan and lease loss provision to assets | 0.1205% | 4,507 |
| Net operating income to assets | 1.2450% | 1,399 |
| Return on assets (ROA) | 1.2691% | 1,396 |
| Pretax return on assets | 1.2691% | 2,134 |
| Return on Equity (ROE) | 10.3429% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.3429% | 1,034 |
| Net charge-offs to loans | 0.0613% | 4,311 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 761 |
| Efficiency ratio | 78.6700% | 2,740 |
| Assets per employee ($millions) | 1.6520% | 7,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 3,359 |
| Loan loss allowance to noncurrent loans | 61.5646% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 3.0428% | 2,268 |
| Noncurrent loans to loans | 2.7497% | 2,749 |
| Net loans and leases to total assets | 63.6272% | 3,515 |
| Net loans and leases to deposits | 72.8144% | 3,944 |
| Net loans and leases to core deposits | 73.2474% | 4,624 |
| Total domestic deposits to total assets | 87.3827% | 2,720 |
| Equity capital to assets | 12.5003% | 1,630 |
| Core capital (leverage) ratio | 12.4012% | 1,371 |
| Tier 1 risk-based capital ratio | 17.8290% | 2,174 |
| Total risk-based capital ratio | 19.0824% | 2,138 |
| Memoranda: | ||
| Average total assets | $49,800,000 | 6,538 |
| Average earning assets | $45,300,500 | 6,514 |
| Average equity | $6,110,500 | 6,209 |
| Average total loans | $32,618,000 | 6,206 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0220% | 816 |
| Cost of funding earning assets | 0.6409% | 7,026 |
| Net interest margin | 5.3812% | 208 |
| Noninterest income to average assets | 1.7958% | 472 |
| Noninterest expense to average assets | 5.5553% | 291 |
| Loan and lease loss provision to assets | 0.1798% | 5,420 |
| Net operating income to assets | 0.9249% | 2,299 |
| Return on assets (ROA) | 1.2745% | 1,301 |
| Pretax return on assets | 1.2745% | 2,002 |
| Return on Equity (ROE) | 10.7585% | 1,657 |
| Retained earnings to average equity (ytd only) | 5.5985% | 2,060 |
| Net charge-offs to loans | 0.2626% | 4,725 |
| Credit loss provision to net charge-offs | 98.9011% | 4,677 |
| Earnings coverage of net charge-offs (x) | 6.0769% | 2,448 |
| Efficiency ratio | 83.4133% | 1,995 |
| Assets per employee ($millions) | 1.6680% | 7,520 |
| Cash dividends to net income (ytd only)* | 47.9624% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 3,544 |
| Loan loss allowance to noncurrent loans | 400.7519% | 775 |
| Noncurrent assets plus other real estate owned to assets | 1.4108% | 4,232 |
| Noncurrent loans to loans | 0.4011% | 6,246 |
| Net loans and leases to total assets | 65.2005% | 3,625 |
| Net loans and leases to deposits | 74.2468% | 4,154 |
| Net loans and leases to core deposits | 74.6801% | 4,889 |
| Total domestic deposits to total assets | 87.8160% | 2,359 |
| Equity capital to assets | 12.0421% | 1,890 |
| Core capital (leverage) ratio | 12.1924% | 1,435 |
| Tier 1 risk-based capital ratio | 17.8195% | 2,055 |
| Total risk-based capital ratio | 19.0727% | 2,015 |
| Memoranda: | ||
| Average total assets | $50,060,400 | 6,534 |
| Average earning assets | $45,250,400 | 6,530 |
| Average equity | $5,930,200 | 6,388 |
| Average total loans | $34,650,200 | 6,172 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0456% | 851 |
| Cost of funding earning assets | 0.6485% | 7,182 |
| Net interest margin | 5.3971% | 208 |
| Noninterest income to average assets | 1.7390% | 475 |
| Noninterest expense to average assets | 5.5899% | 261 |
| Loan and lease loss provision to assets | 0.2130% | 4,930 |
| Net operating income to assets | 0.8123% | 2,948 |
| Return on assets (ROA) | 1.1345% | 1,895 |
| Pretax return on assets | 1.1345% | 2,715 |
| Return on Equity (ROE) | 9.6168% | 2,282 |
| Retained earnings to average equity (ytd only) | 4.4472% | 3,372 |
| Net charge-offs to loans | 0.2855% | 4,230 |
| Credit loss provision to net charge-offs | 106.6667% | 4,010 |
| Earnings coverage of net charge-offs (x) | 5.1332% | 2,838 |
| Efficiency ratio | 84.5008% | 1,785 |
| Assets per employee ($millions) | 1.5071% | 7,651 |
| Cash dividends to net income (ytd only)* | 53.7562% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 3,493 |
| Loan loss allowance to noncurrent loans | 139.2765% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 1.7790% | 3,774 |
| Noncurrent loans to loans | 1.1550% | 4,931 |
| Net loans and leases to total assets | 68.3566% | 3,128 |
| Net loans and leases to deposits | 78.4200% | 3,752 |
| Net loans and leases to core deposits | 78.8948% | 4,683 |
| Total domestic deposits to total assets | 87.1672% | 2,434 |
| Equity capital to assets | 12.6586% | 1,777 |
| Core capital (leverage) ratio | 11.7815% | 1,773 |
| Tier 1 risk-based capital ratio | 17.0527% | 2,325 |
| Total risk-based capital ratio | 18.3065% | 2,283 |
| Memoranda: | ||
| Average total assets | $50,065,250 | 6,606 |
| Average earning assets | $45,232,750 | 6,612 |
| Average equity | $5,906,250 | 6,476 |
| Average total loans | $35,022,750 | 6,237 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0051% | 941 |
| Cost of funding earning assets | 0.6522% | 7,290 |
| Net interest margin | 5.3530% | 223 |
| Noninterest income to average assets | 1.7562% | 429 |
| Noninterest expense to average assets | 5.5251% | 275 |
| Loan and lease loss provision to assets | 0.3157% | 3,853 |
| Net operating income to assets | 0.7419% | 3,229 |
| Return on assets (ROA) | 1.0340% | 2,146 |
| Pretax return on assets | 1.0340% | 2,994 |
| Return on Equity (ROE) | 8.9726% | 2,475 |
| Retained earnings to average equity (ytd only) | 3.7671% | 3,692 |
| Net charge-offs to loans | 0.1689% | 4,605 |
| Credit loss provision to net charge-offs | 266.6667% | 1,419 |
| Earnings coverage of net charge-offs (x) | 8.9333% | 2,075 |
| Efficiency ratio | 83.9329% | 1,928 |
| Assets per employee ($millions) | 1.3634% | 7,734 |
| Cash dividends to net income (ytd only)* | 58.0153% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 3,254 |
| Loan loss allowance to noncurrent loans | 83.3096% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.7358% | 3,843 |
| Noncurrent loans to loans | 1.9794% | 3,750 |
| Net loans and leases to total assets | 70.9620% | 2,667 |
| Net loans and leases to deposits | 84.3897% | 2,800 |
| Net loans and leases to core deposits | 84.9081% | 4,006 |
| Total domestic deposits to total assets | 84.0885% | 4,074 |
| Equity capital to assets | 12.0976% | 2,045 |
| Core capital (leverage) ratio | 11.5162% | 1,911 |
| Tier 1 risk-based capital ratio | 15.7464% | 2,780 |
| Total risk-based capital ratio | 16.9996% | 2,743 |
| Memoranda: | ||
| Average total assets | $50,677,670 | 6,629 |
| Average earning assets | $45,694,330 | 6,647 |
| Average equity | $5,840,000 | 6,520 |
| Average total loans | $35,528,330 | 6,264 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9379% | 1,109 |
| Cost of funding earning assets | 0.6520% | 7,430 |
| Net interest margin | 5.2859% | 248 |
| Noninterest income to average assets | 1.8261% | 387 |
| Noninterest expense to average assets | 5.5950% | 264 |
| Loan and lease loss provision to assets | 0.3885% | 3,029 |
| Net operating income to assets | 0.5673% | 4,043 |
| Return on assets (ROA) | 0.8237% | 2,962 |
| Pretax return on assets | 0.8237% | 3,774 |
| Return on Equity (ROE) | 7.3217% | 3,197 |
| Retained earnings to average equity (ytd only) | 2.0722% | 4,886 |
| Net charge-offs to loans | 0.1236% | 4,229 |
| Credit loss provision to net charge-offs | 454.5455% | 924 |
| Earnings coverage of net charge-offs (x) | 11.1818% | 1,673 |
| Efficiency ratio | 85.4093% | 1,863 |
| Assets per employee ($millions) | 1.4082% | 7,831 |
| Cash dividends to net income (ytd only)* | 71.6981% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 3,303 |
| Loan loss allowance to noncurrent loans | 60.1259% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.8291% | 3,733 |
| Noncurrent loans to loans | 2.7213% | 2,934 |
| Net loans and leases to total assets | 66.1145% | 3,824 |
| Net loans and leases to deposits | 74.4977% | 4,669 |
| Net loans and leases to core deposits | 74.9027% | 5,400 |
| Total domestic deposits to total assets | 88.7471% | 1,644 |
| Equity capital to assets | 11.1301% | 2,656 |
| Core capital (leverage) ratio | 11.3040% | 2,031 |
| Tier 1 risk-based capital ratio | 15.4658% | 2,886 |
| Total risk-based capital ratio | 16.7195% | 2,831 |
| Memoranda: | ||
| Average total assets | $51,474,500 | 6,680 |
| Average earning assets | $46,009,500 | 6,710 |
| Average equity | $5,791,000 | 6,589 |
| Average total loans | $35,585,000 | 6,336 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4612% | 724 |
| Cost of funding earning assets | 0.8232% | 7,523 |
| Net interest margin | 5.6380% | 163 |
| Noninterest income to average assets | 1.9954% | 375 |
| Noninterest expense to average assets | 5.8021% | 338 |
| Loan and lease loss provision to assets | 0.4342% | 4,222 |
| Net operating income to assets | 0.8995% | 2,179 |
| Return on assets (ROA) | 1.3606% | 969 |
| Pretax return on assets | 1.3606% | 1,529 |
| Return on Equity (ROE) | 11.7065% | 1,231 |
| Retained earnings to average equity (ytd only) | 5.4085% | 1,618 |
| Net charge-offs to loans | 0.4554% | 3,958 |
| Credit loss provision to net charge-offs | 132.0755% | 3,800 |
| Earnings coverage of net charge-offs (x) | 4.0566% | 3,084 |
| Efficiency ratio | 81.3098% | 2,698 |
| Assets per employee ($millions) | 1.2712% | 7,932 |
| Cash dividends to net income (ytd only)* | 53.7994% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 3,848 |
| Loan loss allowance to noncurrent loans | 61.3793% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.7110% | 3,803 |
| Noncurrent loans to loans | 2.4066% | 3,154 |
| Net loans and leases to total assets | 70.0454% | 3,248 |
| Net loans and leases to deposits | 79.1344% | 4,147 |
| Net loans and leases to core deposits | 83.0461% | 5,814 |
| Total domestic deposits to total assets | 88.5146% | 1,717 |
| Equity capital to assets | 11.3733% | 2,419 |
| Core capital (leverage) ratio | 11.3177% | 2,025 |
| Tier 1 risk-based capital ratio | 15.5394% | 2,700 |
| Total risk-based capital ratio | 16.7919% | 2,649 |
| Memoranda: | ||
| Average total assets | $48,362,200 | 6,774 |
| Average earning assets | $44,094,000 | 6,764 |
| Average equity | $5,620,800 | 6,733 |
| Average total loans | $34,913,600 | 6,360 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5609% | 658 |
| Cost of funding earning assets | 0.8762% | 7,598 |
| Net interest margin | 5.6847% | 145 |
| Noninterest income to average assets | 2.0248% | 357 |
| Noninterest expense to average assets | 5.8565% | 325 |
| Loan and lease loss provision to assets | 0.4748% | 3,535 |
| Net operating income to assets | 0.8574% | 2,587 |
| Return on assets (ROA) | 1.4802% | 914 |
| Pretax return on assets | 1.4802% | 1,473 |
| Return on Equity (ROE) | 12.6634% | 1,187 |
| Retained earnings to average equity (ytd only) | 6.4511% | 1,737 |
| Net charge-offs to loans | 0.5317% | 3,090 |
| Credit loss provision to net charge-offs | 123.1884% | 4,097 |
| Earnings coverage of net charge-offs (x) | 3.4564% | 3,521 |
| Efficiency ratio | 81.4685% | 2,651 |
| Assets per employee ($millions) | 1.2427% | 8,016 |
| Cash dividends to net income (ytd only)* | 49.0568% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 3,629 |
| Loan loss allowance to noncurrent loans | 93.6364% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 1.1348% | 4,802 |
| Noncurrent loans to loans | 1.5623% | 4,295 |
| Net loans and leases to total assets | 71.5745% | 3,139 |
| Net loans and leases to deposits | 81.4377% | 4,124 |
| Net loans and leases to core deposits | 85.7242% | 5,891 |
| Total domestic deposits to total assets | 87.8887% | 1,706 |
| Equity capital to assets | 11.7833% | 2,371 |
| Core capital (leverage) ratio | 11.3706% | 2,140 |
| Tier 1 risk-based capital ratio | 15.7666% | 2,710 |
| Total risk-based capital ratio | 17.0194% | 2,648 |
| Memoranda: | ||
| Average total assets | $47,741,000 | 6,844 |
| Average earning assets | $43,366,750 | 6,845 |
| Average equity | $5,580,250 | 6,820 |
| Average total loans | $34,604,500 | 6,420 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5807% | 685 |
| Cost of funding earning assets | 0.9261% | 7,660 |
| Net interest margin | 5.6546% | 149 |
| Noninterest income to average assets | 1.9706% | 384 |
| Noninterest expense to average assets | 5.9454% | 324 |
| Loan and lease loss provision to assets | 0.4842% | 3,107 |
| Net operating income to assets | 0.6569% | 3,440 |
| Return on assets (ROA) | 1.5706% | 785 |
| Pretax return on assets | 1.5706% | 1,277 |
| Return on Equity (ROE) | 13.4738% | 1,079 |
| Retained earnings to average equity (ytd only) | 7.4774% | 1,399 |
| Net charge-offs to loans | 0.6395% | 2,440 |
| Credit loss provision to net charge-offs | 104.5455% | 4,394 |
| Earnings coverage of net charge-offs (x) | 2.4636% | 3,836 |
| Efficiency ratio | 83.8978% | 2,486 |
| Assets per employee ($millions) | 1.2322% | 8,108 |
| Cash dividends to net income (ytd only)* | 44.5040% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 3,497 |
| Loan loss allowance to noncurrent loans | 90.8752% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.5527% | 3,896 |
| Noncurrent loans to loans | 1.5899% | 4,111 |
| Net loans and leases to total assets | 71.0926% | 3,446 |
| Net loans and leases to deposits | 80.7055% | 4,437 |
| Net loans and leases to core deposits | 85.5993% | 5,947 |
| Total domestic deposits to total assets | 88.0889% | 1,721 |
| Equity capital to assets | 11.7146% | 2,378 |
| Core capital (leverage) ratio | 11.4151% | 2,129 |
| Tier 1 risk-based capital ratio | 16.2188% | 2,544 |
| Total risk-based capital ratio | 17.4605% | 2,494 |
| Memoranda: | ||
| Average total assets | $47,499,000 | 6,924 |
| Average earning assets | $42,974,000 | 6,928 |
| Average equity | $5,536,670 | 6,885 |
| Average total loans | $34,404,330 | 6,481 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6855% | 596 |
| Cost of funding earning assets | 1.0107% | 7,658 |
| Net interest margin | 5.6748% | 143 |
| Noninterest income to average assets | 1.8814% | 397 |
| Noninterest expense to average assets | 6.1876% | 274 |
| Loan and lease loss provision to assets | 0.4181% | 2,832 |
| Net operating income to assets | 0.3930% | 4,884 |
| Return on assets (ROA) | 2.1155% | 322 |
| Pretax return on assets | 2.1155% | 526 |
| Return on Equity (ROE) | 18.1933% | 577 |
| Retained earnings to average equity (ytd only) | 12.2247% | 749 |
| Net charge-offs to loans | 0.7719% | 1,664 |
| Credit loss provision to net charge-offs | 74.6269% | 4,274 |
| Earnings coverage of net charge-offs (x) | 1.4478% | 4,009 |
| Efficiency ratio | 88.4110% | 1,860 |
| Assets per employee ($millions) | 1.1851% | 8,162 |
| Cash dividends to net income (ytd only)* | 32.8063% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 3,907 |
| Loan loss allowance to noncurrent loans | 172.5926% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 5,289 |
| Noncurrent loans to loans | 0.7718% | 5,502 |
| Net loans and leases to total assets | 71.0428% | 3,457 |
| Net loans and leases to deposits | 80.2954% | 4,564 |
| Net loans and leases to core deposits | 87.5206% | 5,780 |
| Total domestic deposits to total assets | 88.4768% | 1,498 |
| Equity capital to assets | 11.3688% | 2,677 |
| Core capital (leverage) ratio | 11.1134% | 2,417 |
| Tier 1 risk-based capital ratio | 15.0088% | 3,065 |
| Total risk-based capital ratio | 16.2591% | 2,999 |
| Memoranda: | ||
| Average total assets | $47,837,500 | 6,951 |
| Average earning assets | $43,138,000 | 6,971 |
| Average equity | $5,562,500 | 6,925 |
| Average total loans | $34,719,000 | 6,511 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6959% | 281 |
| Cost of funding earning assets | 1.4262% | 7,714 |
| Net interest margin | 6.2697% | 85 |
| Noninterest income to average assets | 1.9775% | 351 |
| Noninterest expense to average assets | 5.9491% | 408 |
| Loan and lease loss provision to assets | 0.4846% | 2,878 |
| Net operating income to assets | 1.1280% | 2,038 |
| Return on assets (ROA) | 1.2785% | 1,497 |
| Pretax return on assets | 1.2785% | 2,382 |
| Return on Equity (ROE) | 11.4760% | 1,759 |
| Retained earnings to average equity (ytd only) | 3.8500% | 2,731 |
| Net charge-offs to loans | 0.5144% | 2,299 |
| Credit loss provision to net charge-offs | 134.2857% | 3,963 |
| Earnings coverage of net charge-offs (x) | 4.4686% | 3,970 |
| Efficiency ratio | 78.6747% | 2,808 |
| Assets per employee ($millions) | 1.2391% | 8,209 |
| Cash dividends to net income (ytd only)* | 66.4516% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 3,203 |
| Loan loss allowance to noncurrent loans | 200.8333% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 2.2979% | 2,116 |
| Noncurrent loans to loans | 0.6966% | 5,291 |
| Net loans and leases to total assets | 72.1467% | 3,551 |
| Net loans and leases to deposits | 81.9961% | 4,732 |
| Net loans and leases to core deposits | 90.2764% | 5,783 |
| Total domestic deposits to total assets | 87.9879% | 1,475 |
| Equity capital to assets | 11.8953% | 2,359 |
| Core capital (leverage) ratio | 11.1317% | 2,484 |
| Tier 1 risk-based capital ratio | 15.7352% | 2,766 |
| Total risk-based capital ratio | 16.9871% | 2,701 |
| Memoranda: | ||
| Average total assets | $48,495,000 | 6,840 |
| Average earning assets | $43,191,800 | 6,891 |
| Average equity | $5,402,600 | 7,017 |
| Average total loans | $34,022,800 | 6,488 |