Home > American Bank of Commerce > Performance and Condition Ratios
American Bank of Commerce, Performance and Condition Ratios
| 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 | 6.5516% | 83 |
| Cost of funding earning assets | 0.3314% | 4,300 |
| Net interest margin | 6.2202% | 64 |
| Noninterest income to average assets | 2.4178% | 215 |
| Noninterest expense to average assets | 5.1723% | 182 |
| Loan and lease loss provision to assets | 0.0882% | 2,211 |
| Net operating income to assets | 1.9710% | 408 |
| Return on assets (ROA) | 1.9710% | 405 |
| Pretax return on assets | 2.6751% | 172 |
| Return on Equity (ROE) | 14.0533% | 1,104 |
| Retained earnings to average equity (ytd only) | 12.4603% | 422 |
| Net charge-offs to loans | -0.1888% | 5,291 |
| Credit loss provision to net charge-offs | -60.0000% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1787% | 3,007 |
| Assets per employee ($millions) | 3.8430% | 4,114 |
| Cash dividends to net income (ytd only)* | 11.3347% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 75.8525% | 1,679 |
| Net loans and leases to deposits | 88.9339% | 2,030 |
| Net loans and leases to core deposits | 93.6481% | 2,329 |
| Total domestic deposits to total assets | 85.2908% | 2,492 |
| Equity capital to assets | 13.9140% | 983 |
| Core capital (leverage) ratio | 14.3665% | 848 |
| Tier 1 risk-based capital ratio | 17.6922% | 1,874 |
| Total risk-based capital ratio | 18.8543% | 1,857 |
| Memoranda: | ||
| Average total assets | $90,712,000 | 4,303 |
| Average earning assets | $80,467,000 | 4,357 |
| Average equity | $12,722,750 | 3,952 |
| Average total loans | $70,607,500 | 3,897 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9544% | 152 |
| Cost of funding earning assets | 0.2479% | 4,754 |
| Net interest margin | 5.7065% | 91 |
| Noninterest income to average assets | 3.0565% | 158 |
| Noninterest expense to average assets | 5.2292% | 187 |
| Loan and lease loss provision to assets | 0.0675% | 2,535 |
| Net operating income to assets | 2.1142% | 306 |
| Return on assets (ROA) | 2.1142% | 302 |
| Pretax return on assets | 2.8856% | 128 |
| Return on Equity (ROE) | 15.0308% | 843 |
| Retained earnings to average equity (ytd only) | 12.6003% | 435 |
| Net charge-offs to loans | -0.2904% | 5,382 |
| Credit loss provision to net charge-offs | -29.7030% | 3,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9087% | 3,323 |
| Assets per employee ($millions) | 3.6177% | 4,443 |
| Cash dividends to net income (ytd only)* | 16.1702% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 2,998 |
| Loan loss allowance to noncurrent loans | 266.1442% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 3,392 |
| Noncurrent loans to loans | 0.4308% | 3,154 |
| Net loans and leases to total assets | 77.8131% | 1,345 |
| Net loans and leases to deposits | 91.4590% | 1,650 |
| Net loans and leases to core deposits | 93.9515% | 2,223 |
| Total domestic deposits to total assets | 85.0797% | 2,639 |
| Equity capital to assets | 13.7859% | 997 |
| Core capital (leverage) ratio | 14.7619% | 724 |
| Tier 1 risk-based capital ratio | 16.8429% | 2,150 |
| Total risk-based capital ratio | 17.9457% | 2,148 |
| Memoranda: | ||
| Average total assets | $88,924,000 | 4,366 |
| Average earning assets | $79,874,330 | 4,405 |
| Average equity | $12,507,670 | 4,007 |
| Average total loans | $69,558,670 | 3,942 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8793% | 165 |
| Cost of funding earning assets | 0.2174% | 4,912 |
| Net interest margin | 5.6620% | 90 |
| Noninterest income to average assets | 2.0937% | 258 |
| Noninterest expense to average assets | 5.0257% | 217 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6258% | 809 |
| Return on assets (ROA) | 1.6258% | 810 |
| Pretax return on assets | 2.1353% | 431 |
| Return on Equity (ROE) | 11.4351% | 1,795 |
| Retained earnings to average equity (ytd only) | 6.4831% | 2,515 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1811% | 2,462 |
| Assets per employee ($millions) | 3.5766% | 4,572 |
| Cash dividends to net income (ytd only)* | 43.3048% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,739 |
| Loan loss allowance to noncurrent loans | 219.5719% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 3,375 |
| Noncurrent loans to loans | 0.4730% | 3,109 |
| Net loans and leases to total assets | 76.5126% | 1,458 |
| Net loans and leases to deposits | 89.7290% | 1,722 |
| Net loans and leases to core deposits | 95.1952% | 2,039 |
| Total domestic deposits to total assets | 85.2708% | 2,830 |
| Equity capital to assets | 13.8424% | 934 |
| Core capital (leverage) ratio | 14.9737% | 660 |
| Tier 1 risk-based capital ratio | 16.5413% | 2,258 |
| Total risk-based capital ratio | 17.5008% | 2,326 |
| Memoranda: | ||
| Average total assets | $86,356,000 | 4,454 |
| Average earning assets | $77,287,500 | 4,506 |
| Average equity | $12,278,000 | 4,078 |
| Average total loans | $67,318,000 | 4,030 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4592% | 281 |
| Cost of funding earning assets | 0.2161% | 4,818 |
| Net interest margin | 5.2431% | 157 |
| Noninterest income to average assets | 2.1633% | 263 |
| Noninterest expense to average assets | 4.8239% | 244 |
| Loan and lease loss provision to assets | 0.1715% | 1,279 |
| Net operating income to assets | 1.1411% | 1,708 |
| Return on assets (ROA) | 1.1411% | 1,746 |
| Pretax return on assets | 1.8568% | 673 |
| Return on Equity (ROE) | 8.5833% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.5833% | 592 |
| Net charge-offs to loans | 0.2529% | 1,035 |
| Credit loss provision to net charge-offs | 93.7500% | 2,718 |
| Earnings coverage of net charge-offs (x) | 11.0875% | 2,605 |
| Efficiency ratio | 70.3988% | 2,489 |
| Assets per employee ($millions) | 3.3319% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 3,372 |
| Loan loss allowance to noncurrent loans | 189.2105% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 3,046 |
| Noncurrent loans to loans | 0.5801% | 2,764 |
| Net loans and leases to total assets | 77.7762% | 1,307 |
| Net loans and leases to deposits | 92.0543% | 1,519 |
| Net loans and leases to core deposits | 96.6897% | 1,969 |
| Total domestic deposits to total assets | 84.4894% | 3,039 |
| Equity capital to assets | 14.6210% | 750 |
| Core capital (leverage) ratio | 14.0411% | 824 |
| Tier 1 risk-based capital ratio | 17.7848% | 1,863 |
| Total risk-based capital ratio | 18.8347% | 1,872 |
| Memoranda: | ||
| Average total assets | $87,460,600 | 4,467 |
| Average earning assets | $78,217,000 | 4,491 |
| Average equity | $11,627,200 | 4,202 |
| Average total loans | $63,267,400 | 4,121 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3824% | 303 |
| Cost of funding earning assets | 0.2205% | 4,806 |
| Net interest margin | 5.1618% | 174 |
| Noninterest income to average assets | 2.2010% | 275 |
| Noninterest expense to average assets | 4.7441% | 258 |
| Loan and lease loss provision to assets | 0.2260% | 817 |
| Net operating income to assets | 1.1088% | 2,048 |
| Return on assets (ROA) | 1.1088% | 2,106 |
| Pretax return on assets | 1.8500% | 782 |
| Return on Equity (ROE) | 8.5411% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.5411% | 991 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5604% | 2,608 |
| Assets per employee ($millions) | 3.0928% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 2,004 |
| Loan loss allowance to noncurrent loans | 103.9007% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 1,808 |
| Noncurrent loans to loans | 1.3228% | 1,441 |
| Net loans and leases to total assets | 70.3281% | 2,508 |
| Net loans and leases to deposits | 81.7910% | 2,795 |
| Net loans and leases to core deposits | 85.5283% | 3,007 |
| Total domestic deposits to total assets | 85.9852% | 2,322 |
| Equity capital to assets | 13.2856% | 1,259 |
| Core capital (leverage) ratio | 13.0751% | 1,184 |
| Tier 1 risk-based capital ratio | 17.8611% | 1,889 |
| Total risk-based capital ratio | 19.1111% | 1,842 |
| Memoranda: | ||
| Average total assets | $88,501,250 | 4,494 |
| Average earning assets | $79,194,750 | 4,519 |
| Average equity | $11,489,250 | 4,273 |
| Average total loans | $62,708,000 | 4,166 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1533% | 428 |
| Cost of funding earning assets | 0.2179% | 4,817 |
| Net interest margin | 4.9354% | 249 |
| Noninterest income to average assets | 2.0521% | 302 |
| Noninterest expense to average assets | 4.6377% | 278 |
| Loan and lease loss provision to assets | 0.2724% | 582 |
| Net operating income to assets | 0.9126% | 2,848 |
| Return on assets (ROA) | 0.9126% | 2,900 |
| Pretax return on assets | 1.5640% | 1,447 |
| Return on Equity (ROE) | 7.0856% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.0856% | 1,557 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6339% | 2,408 |
| Assets per employee ($millions) | 3.1034% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 2,074 |
| Loan loss allowance to noncurrent loans | 89.3684% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.0556% | 1,657 |
| Noncurrent loans to loans | 1.5366% | 1,215 |
| Net loans and leases to total assets | 67.7489% | 2,850 |
| Net loans and leases to deposits | 78.1498% | 3,104 |
| Net loans and leases to core deposits | 81.6733% | 3,283 |
| Total domestic deposits to total assets | 86.6911% | 2,092 |
| Equity capital to assets | 12.8689% | 1,432 |
| Core capital (leverage) ratio | 13.1889% | 1,108 |
| Tier 1 risk-based capital ratio | 17.5100% | 2,006 |
| Total risk-based capital ratio | 18.7603% | 1,959 |
| Memoranda: | ||
| Average total assets | $88,104,670 | 4,523 |
| Average earning assets | $78,940,330 | 4,550 |
| Average equity | $11,347,000 | 4,301 |
| Average total loans | $62,291,670 | 4,195 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0929% | 449 |
| Cost of funding earning assets | 0.2237% | 4,768 |
| Net interest margin | 4.8692% | 276 |
| Noninterest income to average assets | 1.3631% | 568 |
| Noninterest expense to average assets | 4.5527% | 318 |
| Loan and lease loss provision to assets | 0.2754% | 523 |
| Net operating income to assets | 0.4498% | 4,778 |
| Return on assets (ROA) | 0.4498% | 4,799 |
| Pretax return on assets | 0.8307% | 4,003 |
| Return on Equity (ROE) | 3.4908% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.4908% | 3,692 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4542% | 1,326 |
| Assets per employee ($millions) | 2.8007% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,777 |
| Loan loss allowance to noncurrent loans | 61.4965% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.5270% | 1,038 |
| Noncurrent loans to loans | 2.0434% | 866 |
| Net loans and leases to total assets | 73.7878% | 1,776 |
| Net loans and leases to deposits | 85.5794% | 2,085 |
| Net loans and leases to core deposits | 90.1737% | 2,333 |
| Total domestic deposits to total assets | 86.2215% | 2,569 |
| Equity capital to assets | 13.4227% | 1,100 |
| Core capital (leverage) ratio | 13.1845% | 1,071 |
| Tier 1 risk-based capital ratio | 17.4550% | 2,044 |
| Total risk-based capital ratio | 18.6761% | 2,004 |
| Memoranda: | ||
| Average total assets | $87,157,000 | 4,583 |
| Average earning assets | $76,891,500 | 4,631 |
| Average equity | $11,229,500 | 4,348 |
| Average total loans | $62,526,000 | 4,222 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3492% | 327 |
| Cost of funding earning assets | 0.2154% | 4,881 |
| Net interest margin | 5.1339% | 193 |
| Noninterest income to average assets | 1.9744% | 349 |
| Noninterest expense to average assets | 4.9138% | 269 |
| Loan and lease loss provision to assets | 0.3647% | 455 |
| Net operating income to assets | 0.8257% | 3,180 |
| Return on assets (ROA) | 0.8257% | 3,280 |
| Pretax return on assets | 1.3219% | 2,206 |
| Return on Equity (ROE) | 5.8428% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.8428% | 1,798 |
| Net charge-offs to loans | 0.5657% | 411 |
| Credit loss provision to net charge-offs | 92.4092% | 2,756 |
| Earnings coverage of net charge-offs (x) | 4.2739% | 3,521 |
| Efficiency ratio | 74.4475% | 2,235 |
| Assets per employee ($millions) | 3.0097% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 3,305 |
| Loan loss allowance to noncurrent loans | 56.7315% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.4232% | 1,195 |
| Noncurrent loans to loans | 2.0638% | 864 |
| Net loans and leases to total assets | 68.1522% | 2,749 |
| Net loans and leases to deposits | 78.0161% | 3,102 |
| Net loans and leases to core deposits | 81.5695% | 3,246 |
| Total domestic deposits to total assets | 87.3566% | 1,952 |
| Equity capital to assets | 12.3832% | 1,587 |
| Core capital (leverage) ratio | 13.6189% | 926 |
| Tier 1 risk-based capital ratio | 17.0460% | 2,141 |
| Total risk-based capital ratio | 18.1574% | 2,137 |
| Memoranda: | ||
| Average total assets | $76,784,200 | 4,798 |
| Average earning assets | $69,187,800 | 4,821 |
| Average equity | $10,851,000 | 4,446 |
| Average total loans | $53,565,400 | 4,471 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4011% | 295 |
| Cost of funding earning assets | 0.2213% | 4,872 |
| Net interest margin | 5.1798% | 179 |
| Noninterest income to average assets | 1.8980% | 375 |
| Noninterest expense to average assets | 5.1165% | 248 |
| Loan and lease loss provision to assets | 0.3996% | 367 |
| Net operating income to assets | 0.7465% | 3,621 |
| Return on assets (ROA) | 0.7465% | 3,749 |
| Pretax return on assets | 1.1007% | 3,231 |
| Return on Equity (ROE) | 5.0888% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.0888% | 2,761 |
| Net charge-offs to loans | 0.7861% | 231 |
| Credit loss provision to net charge-offs | 72.6073% | 2,752 |
| Earnings coverage of net charge-offs (x) | 2.7261% | 3,532 |
| Efficiency ratio | 77.3264% | 1,789 |
| Assets per employee ($millions) | 2.6899% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 3,610 |
| Loan loss allowance to noncurrent loans | 74.2222% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.1538% | 1,744 |
| Noncurrent loans to loans | 1.5362% | 1,410 |
| Net loans and leases to total assets | 74.2469% | 1,826 |
| Net loans and leases to deposits | 86.8126% | 2,167 |
| Net loans and leases to core deposits | 92.4247% | 2,336 |
| Total domestic deposits to total assets | 85.5255% | 2,596 |
| Equity capital to assets | 14.0476% | 1,013 |
| Core capital (leverage) ratio | 14.4270% | 738 |
| Tier 1 risk-based capital ratio | 18.8489% | 1,708 |
| Total risk-based capital ratio | 19.9979% | 1,691 |
| Memoranda: | ||
| Average total assets | $73,407,250 | 4,897 |
| Average earning assets | $66,874,000 | 4,913 |
| Average equity | $10,768,500 | 4,500 |
| Average total loans | $51,390,500 | 4,573 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5381% | 237 |
| Cost of funding earning assets | 0.2156% | 4,989 |
| Net interest margin | 5.3225% | 143 |
| Noninterest income to average assets | 2.0174% | 333 |
| Noninterest expense to average assets | 5.0894% | 255 |
| Loan and lease loss provision to assets | 0.4452% | 322 |
| Net operating income to assets | 1.0017% | 2,393 |
| Return on assets (ROA) | 1.0017% | 2,524 |
| Pretax return on assets | 1.3607% | 2,161 |
| Return on Equity (ROE) | 6.7256% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.7256% | 1,753 |
| Net charge-offs to loans | 1.2369% | 134 |
| Credit loss provision to net charge-offs | 52.8053% | 2,641 |
| Earnings coverage of net charge-offs (x) | 2.1419% | 3,319 |
| Efficiency ratio | 73.8095% | 2,387 |
| Assets per employee ($millions) | 2.7271% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 3,724 |
| Loan loss allowance to noncurrent loans | 131.0345% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.6077% | 3,198 |
| Noncurrent loans to loans | 0.8694% | 2,570 |
| Net loans and leases to total assets | 69.0973% | 2,618 |
| Net loans and leases to deposits | 81.1423% | 2,798 |
| Net loans and leases to core deposits | 86.5235% | 2,854 |
| Total domestic deposits to total assets | 85.1556% | 2,796 |
| Equity capital to assets | 14.2838% | 934 |
| Core capital (leverage) ratio | 14.8579% | 635 |
| Tier 1 risk-based capital ratio | 19.6335% | 1,534 |
| Total risk-based capital ratio | 20.7280% | 1,538 |
| Memoranda: | ||
| Average total assets | $71,874,330 | 4,981 |
| Average earning assets | $65,871,000 | 4,982 |
| Average equity | $10,705,330 | 4,538 |
| Average total loans | $48,992,330 | 4,679 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 561 |
| Cost of funding earning assets | 0.2100% | 5,107 |
| Net interest margin | 4.8061% | 356 |
| Noninterest income to average assets | 1.6085% | 457 |
| Noninterest expense to average assets | 5.0322% | 265 |
| Loan and lease loss provision to assets | 0.5744% | 197 |
| Net operating income to assets | 0.6664% | 3,890 |
| Return on assets (ROA) | 0.6664% | 4,011 |
| Pretax return on assets | 0.4710% | 5,161 |
| Return on Equity (ROE) | 4.3755% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.3755% | 3,291 |
| Net charge-offs to loans | 2.3332% | 60 |
| Credit loss provision to net charge-offs | 36.6300% | 2,170 |
| Earnings coverage of net charge-offs (x) | 0.6667% | 2,903 |
| Efficiency ratio | 82.7977% | 1,277 |
| Assets per employee ($millions) | 2.7684% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 3,409 |
| Loan loss allowance to noncurrent loans | 111.7988% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.7470% | 2,841 |
| Noncurrent loans to loans | 1.0839% | 2,224 |
| Net loans and leases to total assets | 68.0851% | 2,635 |
| Net loans and leases to deposits | 80.7475% | 2,701 |
| Net loans and leases to core deposits | 86.7487% | 2,680 |
| Total domestic deposits to total assets | 84.3185% | 3,387 |
| Equity capital to assets | 15.4070% | 620 |
| Core capital (leverage) ratio | 15.9887% | 470 |
| Tier 1 risk-based capital ratio | 21.2758% | 1,266 |
| Total risk-based capital ratio | 22.4291% | 1,258 |
| Memoranda: | ||
| Average total assets | $69,632,000 | 5,077 |
| Average earning assets | $64,751,500 | 5,055 |
| Average equity | $10,604,500 | 4,570 |
| Average total loans | $46,803,500 | 4,771 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0921% | 2,953 |
| Cost of funding earning assets | 0.2513% | 4,775 |
| Net interest margin | 3.8408% | 2,231 |
| Noninterest income to average assets | 1.9672% | 367 |
| Noninterest expense to average assets | 4.2006% | 543 |
| Loan and lease loss provision to assets | 0.0969% | 2,370 |
| Net operating income to assets | 0.7716% | 3,459 |
| Return on assets (ROA) | 0.7716% | 3,540 |
| Pretax return on assets | 1.2447% | 2,488 |
| Return on Equity (ROE) | 5.8556% | 4,098 |
| Retained earnings to average equity (ytd only) | 5.8556% | 1,866 |
| Net charge-offs to loans | -0.0294% | 5,393 |
| Credit loss provision to net charge-offs | -576.9231% | 5,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7929% | 2,307 |
| Assets per employee ($millions) | 2.8022% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 1,506 |
| Loan loss allowance to noncurrent loans | 70.3184% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.5245% | 1,324 |
| Noncurrent loans to loans | 2.3264% | 825 |
| Net loans and leases to total assets | 64.4594% | 3,204 |
| Net loans and leases to deposits | 75.9989% | 3,252 |
| Net loans and leases to core deposits | 81.5300% | 3,199 |
| Total domestic deposits to total assets | 84.8162% | 3,166 |
| Equity capital to assets | 15.0539% | 658 |
| Core capital (leverage) ratio | 14.9642% | 626 |
| Tier 1 risk-based capital ratio | 22.0365% | 1,140 |
| Total risk-based capital ratio | 23.2902% | 1,118 |
| Memoranda: | ||
| Average total assets | $77,370,000 | 4,919 |
| Average earning assets | $72,016,600 | 4,894 |
| Average equity | $10,195,400 | 4,622 |
| Average total loans | $44,292,400 | 4,852 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 3,425 |
| Cost of funding earning assets | 0.2601% | 4,772 |
| Net interest margin | 3.7169% | 2,686 |
| Noninterest income to average assets | 1.5623% | 516 |
| Noninterest expense to average assets | 3.9713% | 691 |
| Loan and lease loss provision to assets | 0.0758% | 2,668 |
| Net operating income to assets | 0.5774% | 4,493 |
| Return on assets (ROA) | 0.5774% | 4,583 |
| Pretax return on assets | 0.9798% | 3,692 |
| Return on Equity (ROE) | 4.5244% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.5244% | 3,248 |
| Net charge-offs to loans | -0.0425% | 5,492 |
| Credit loss provision to net charge-offs | -321.4286% | 5,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0020% | 1,806 |
| Assets per employee ($millions) | 3.1291% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 1,640 |
| Loan loss allowance to noncurrent loans | 41.8213% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 2.2957% | 801 |
| Noncurrent loans to loans | 3.9178% | 339 |
| Net loans and leases to total assets | 57.6354% | 4,185 |
| Net loans and leases to deposits | 67.0109% | 4,283 |
| Net loans and leases to core deposits | 70.7504% | 4,300 |
| Total domestic deposits to total assets | 86.0089% | 2,515 |
| Equity capital to assets | 13.7048% | 1,141 |
| Core capital (leverage) ratio | 13.5974% | 976 |
| Tier 1 risk-based capital ratio | 21.6159% | 1,247 |
| Total risk-based capital ratio | 22.8719% | 1,226 |
| Memoranda: | ||
| Average total assets | $79,198,750 | 4,946 |
| Average earning assets | $73,822,750 | 4,911 |
| Average equity | $10,107,750 | 4,698 |
| Average total loans | $43,888,500 | 4,918 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8790% | 3,778 |
| Cost of funding earning assets | 0.2769% | 4,645 |
| Net interest margin | 3.6022% | 3,084 |
| Noninterest income to average assets | 1.6186% | 496 |
| Noninterest expense to average assets | 3.8503% | 813 |
| Loan and lease loss provision to assets | 0.0372% | 3,373 |
| Net operating income to assets | 0.6703% | 4,031 |
| Return on assets (ROA) | 0.6703% | 4,140 |
| Pretax return on assets | 1.0898% | 3,218 |
| Return on Equity (ROE) | 5.3751% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.3751% | 2,619 |
| Net charge-offs to loans | 0.0046% | 3,741 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 454.0000% | 147 |
| Efficiency ratio | 77.3566% | 2,151 |
| Assets per employee ($millions) | 3.0974% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 2,393 |
| Loan loss allowance to noncurrent loans | 60.6822% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.4986% | 1,644 |
| Noncurrent loans to loans | 2.4340% | 926 |
| Net loans and leases to total assets | 60.6594% | 3,730 |
| Net loans and leases to deposits | 70.4380% | 3,880 |
| Net loans and leases to core deposits | 77.0281% | 3,663 |
| Total domestic deposits to total assets | 86.1175% | 2,629 |
| Equity capital to assets | 13.7467% | 1,077 |
| Core capital (leverage) ratio | 13.4383% | 1,005 |
| Tier 1 risk-based capital ratio | 20.9642% | 1,372 |
| Total risk-based capital ratio | 22.2156% | 1,341 |
| Memoranda: | ||
| Average total assets | $80,565,670 | 4,965 |
| Average earning assets | $75,121,670 | 4,941 |
| Average equity | $10,046,330 | 4,740 |
| Average total loans | $43,850,000 | 4,955 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6660% | 4,483 |
| Cost of funding earning assets | 0.2879% | 4,575 |
| Net interest margin | 3.3781% | 3,925 |
| Noninterest income to average assets | 0.6883% | 2,214 |
| Noninterest expense to average assets | 3.6616% | 1,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1052% | 5,863 |
| Return on assets (ROA) | 0.1052% | 5,922 |
| Pretax return on assets | 0.1673% | 5,870 |
| Return on Equity (ROE) | 0.8835% | 5,934 |
| Retained earnings to average equity (ytd only) | 0.8835% | 5,111 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6305% | 519 |
| Assets per employee ($millions) | 3.9556% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 2,146 |
| Loan loss allowance to noncurrent loans | 113.9415% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 3,387 |
| Noncurrent loans to loans | 1.3814% | 2,078 |
| Net loans and leases to total assets | 49.8357% | 4,869 |
| Net loans and leases to deposits | 56.7650% | 5,002 |
| Net loans and leases to core deposits | 61.3643% | 4,884 |
| Total domestic deposits to total assets | 87.7930% | 1,937 |
| Equity capital to assets | 12.0036% | 2,025 |
| Core capital (leverage) ratio | 12.3953% | 1,402 |
| Tier 1 risk-based capital ratio | 20.4087% | 1,537 |
| Total risk-based capital ratio | 21.6592% | 1,511 |
| Memoranda: | ||
| Average total assets | $83,679,500 | 4,950 |
| Average earning assets | $77,795,000 | 4,922 |
| Average equity | $9,960,000 | 4,792 |
| Average total loans | $42,890,500 | 5,029 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 2,494 |
| Cost of funding earning assets | 0.2731% | 5,065 |
| Net interest margin | 4.0577% | 1,712 |
| Noninterest income to average assets | 2.0019% | 340 |
| Noninterest expense to average assets | 3.9441% | 812 |
| Loan and lease loss provision to assets | 0.0949% | 2,566 |
| Net operating income to assets | 1.0608% | 2,125 |
| Return on assets (ROA) | 1.0608% | 2,183 |
| Pretax return on assets | 1.6912% | 1,005 |
| Return on Equity (ROE) | 8.6400% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.6400% | 787 |
| Net charge-offs to loans | 0.1137% | 2,892 |
| Credit loss provision to net charge-offs | 148.9796% | 1,622 |
| Earnings coverage of net charge-offs (x) | 28.0408% | 1,411 |
| Efficiency ratio | 68.8294% | 3,747 |
| Assets per employee ($millions) | 3.8315% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 2,401 |
| Loan loss allowance to noncurrent loans | 111.2416% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 3,451 |
| Noncurrent loans to loans | 1.3632% | 2,154 |
| Net loans and leases to total assets | 51.0831% | 4,865 |
| Net loans and leases to deposits | 58.4041% | 5,037 |
| Net loans and leases to core deposits | 63.1225% | 4,907 |
| Total domestic deposits to total assets | 87.4650% | 2,053 |
| Equity capital to assets | 11.8030% | 2,166 |
| Core capital (leverage) ratio | 11.7083% | 1,822 |
| Tier 1 risk-based capital ratio | 19.5777% | 1,695 |
| Total risk-based capital ratio | 20.8292% | 1,661 |
| Memoranda: | ||
| Average total assets | $76,925,400 | 5,129 |
| Average earning assets | $70,680,000 | 5,105 |
| Average equity | $9,444,400 | 4,878 |
| Average total loans | $43,109,600 | 5,066 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 2,283 |
| Cost of funding earning assets | 0.2589% | 5,319 |
| Net interest margin | 4.1236% | 1,505 |
| Noninterest income to average assets | 1.6497% | 477 |
| Noninterest expense to average assets | 3.9173% | 825 |
| Loan and lease loss provision to assets | 0.1296% | 1,934 |
| Net operating income to assets | 0.8399% | 3,234 |
| Return on assets (ROA) | 0.8399% | 3,323 |
| Pretax return on assets | 1.3638% | 2,143 |
| Return on Equity (ROE) | 6.7679% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.7679% | 1,945 |
| Net charge-offs to loans | 0.1552% | 2,253 |
| Credit loss provision to net charge-offs | 146.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 16.8188% | 1,943 |
| Efficiency ratio | 72.3991% | 3,108 |
| Assets per employee ($millions) | 3.8490% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 3,655 |
| Loan loss allowance to noncurrent loans | 107.8176% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9143% | 3,152 |
| Noncurrent loans to loans | 1.2043% | 2,636 |
| Net loans and leases to total assets | 62.2586% | 3,447 |
| Net loans and leases to deposits | 70.8695% | 3,815 |
| Net loans and leases to core deposits | 76.5264% | 3,688 |
| Total domestic deposits to total assets | 87.8497% | 1,838 |
| Equity capital to assets | 11.8843% | 2,167 |
| Core capital (leverage) ratio | 12.6020% | 1,349 |
| Tier 1 risk-based capital ratio | 17.3378% | 2,455 |
| Total risk-based capital ratio | 18.4658% | 2,480 |
| Memoranda: | ||
| Average total assets | $75,083,750 | 5,226 |
| Average earning assets | $68,482,000 | 5,219 |
| Average equity | $9,318,250 | 4,943 |
| Average total loans | $42,956,500 | 5,125 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 2,025 |
| Cost of funding earning assets | 0.2458% | 5,525 |
| Net interest margin | 4.1961% | 1,253 |
| Noninterest income to average assets | 1.3120% | 697 |
| Noninterest expense to average assets | 4.1302% | 649 |
| Loan and lease loss provision to assets | 0.1640% | 1,504 |
| Net operating income to assets | 0.4783% | 4,898 |
| Return on assets (ROA) | 0.4783% | 4,967 |
| Pretax return on assets | 0.7982% | 4,272 |
| Return on Equity (ROE) | 3.7951% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.7951% | 3,760 |
| Net charge-offs to loans | 0.1837% | 1,924 |
| Credit loss provision to net charge-offs | 162.1622% | 1,384 |
| Earnings coverage of net charge-offs (x) | 9.5135% | 2,351 |
| Efficiency ratio | 81.1057% | 1,863 |
| Assets per employee ($millions) | 3.6582% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 2,919 |
| Loan loss allowance to noncurrent loans | 86.0858% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.1637% | 2,752 |
| Noncurrent loans to loans | 1.7381% | 1,986 |
| Net loans and leases to total assets | 56.7291% | 4,152 |
| Net loans and leases to deposits | 64.6919% | 4,419 |
| Net loans and leases to core deposits | 68.7441% | 4,396 |
| Total domestic deposits to total assets | 87.6912% | 2,090 |
| Equity capital to assets | 12.1162% | 1,905 |
| Core capital (leverage) ratio | 12.3026% | 1,498 |
| Tier 1 risk-based capital ratio | 19.9575% | 1,696 |
| Total risk-based capital ratio | 21.2097% | 1,667 |
| Memoranda: | ||
| Average total assets | $73,168,670 | 5,305 |
| Average earning assets | $65,918,330 | 5,323 |
| Average equity | $9,222,330 | 4,977 |
| Average total loans | $40,280,330 | 5,260 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 1,522 |
| Cost of funding earning assets | 0.2809% | 5,275 |
| Net interest margin | 4.3136% | 973 |
| Noninterest income to average assets | 1.4634% | 548 |
| Noninterest expense to average assets | 4.3453% | 530 |
| Loan and lease loss provision to assets | 0.1682% | 1,436 |
| Net operating income to assets | 0.5102% | 4,634 |
| Return on assets (ROA) | 0.5102% | 4,712 |
| Pretax return on assets | 0.8242% | 4,005 |
| Return on Equity (ROE) | 3.9654% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.9654% | 3,734 |
| Net charge-offs to loans | 0.2820% | 1,219 |
| Credit loss provision to net charge-offs | 111.1111% | 1,536 |
| Earnings coverage of net charge-offs (x) | 6.5556% | 2,209 |
| Efficiency ratio | 81.4076% | 2,001 |
| Assets per employee ($millions) | 3.3891% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 2,452 |
| Loan loss allowance to noncurrent loans | 80.4511% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.1841% | 2,888 |
| Noncurrent loans to loans | 2.0722% | 1,785 |
| Net loans and leases to total assets | 48.5799% | 5,055 |
| Net loans and leases to deposits | 55.3545% | 5,168 |
| Net loans and leases to core deposits | 60.5317% | 4,989 |
| Total domestic deposits to total assets | 87.7614% | 2,375 |
| Equity capital to assets | 11.8345% | 1,991 |
| Core capital (leverage) ratio | 11.7622% | 1,793 |
| Tier 1 risk-based capital ratio | 20.2409% | 1,663 |
| Total risk-based capital ratio | 21.4938% | 1,624 |
| Memoranda: | ||
| Average total assets | $71,341,500 | 5,402 |
| Average earning assets | $64,076,000 | 5,437 |
| Average equity | $9,179,500 | 5,005 |
| Average total loans | $38,299,000 | 5,384 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8135% | 1,282 |
| Cost of funding earning assets | 0.2575% | 5,924 |
| Net interest margin | 4.5560% | 660 |
| Noninterest income to average assets | 2.3108% | 319 |
| Noninterest expense to average assets | 4.6905% | 448 |
| Loan and lease loss provision to assets | 0.1639% | 2,229 |
| Net operating income to assets | 0.9358% | 2,620 |
| Return on assets (ROA) | 0.9358% | 2,700 |
| Pretax return on assets | 1.4865% | 1,489 |
| Return on Equity (ROE) | 6.4727% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.4727% | 1,702 |
| Net charge-offs to loans | 0.1879% | 2,960 |
| Credit loss provision to net charge-offs | 151.5152% | 1,530 |
| Earnings coverage of net charge-offs (x) | 15.2576% | 1,888 |
| Efficiency ratio | 73.9726% | 3,131 |
| Assets per employee ($millions) | 2.9424% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 2,471 |
| Loan loss allowance to noncurrent loans | 61.0899% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 1.8090% | 2,035 |
| Noncurrent loans to loans | 2.7463% | 1,305 |
| Net loans and leases to total assets | 57.8515% | 4,058 |
| Net loans and leases to deposits | 68.0297% | 4,053 |
| Net loans and leases to core deposits | 72.1324% | 4,052 |
| Total domestic deposits to total assets | 85.0385% | 3,727 |
| Equity capital to assets | 14.1103% | 874 |
| Core capital (leverage) ratio | 14.3097% | 742 |
| Tier 1 risk-based capital ratio | 20.8420% | 1,455 |
| Total risk-based capital ratio | 22.0947% | 1,436 |
| Memoranda: | ||
| Average total assets | $61,017,200 | 5,731 |
| Average earning assets | $53,973,200 | 5,764 |
| Average equity | $8,821,600 | 5,136 |
| Average total loans | $35,118,200 | 5,533 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9188% | 1,087 |
| Cost of funding earning assets | 0.2611% | 6,011 |
| Net interest margin | 4.6576% | 555 |
| Noninterest income to average assets | 2.3099% | 335 |
| Noninterest expense to average assets | 4.8394% | 382 |
| Loan and lease loss provision to assets | 0.2219% | 1,640 |
| Net operating income to assets | 0.9541% | 2,569 |
| Return on assets (ROA) | 0.9541% | 2,675 |
| Pretax return on assets | 1.3646% | 2,060 |
| Return on Equity (ROE) | 6.5571% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.4656% | 2,152 |
| Net charge-offs to loans | 0.1280% | 3,246 |
| Credit loss provision to net charge-offs | 303.0303% | 840 |
| Earnings coverage of net charge-offs (x) | 21.6661% | 1,536 |
| Efficiency ratio | 75.3108% | 2,846 |
| Assets per employee ($millions) | 2.9962% | 5,853 |
| Cash dividends to net income (ytd only)* | 1.3954% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9150% | 1,959 |
| Loan loss allowance to noncurrent loans | 58.5366% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 1.9312% | 2,102 |
| Noncurrent loans to loans | 3.2714% | 1,195 |
| Net loans and leases to total assets | 52.2172% | 4,852 |
| Net loans and leases to deposits | 60.8245% | 4,890 |
| Net loans and leases to core deposits | 64.6847% | 4,826 |
| Total domestic deposits to total assets | 85.8489% | 3,341 |
| Equity capital to assets | 13.6323% | 1,068 |
| Core capital (leverage) ratio | 14.9994% | 642 |
| Tier 1 risk-based capital ratio | 21.3896% | 1,424 |
| Total risk-based capital ratio | 22.6560% | 1,390 |
| Memoranda: | ||
| Average total assets | $60,088,250 | 5,817 |
| Average earning assets | $53,101,250 | 5,865 |
| Average equity | $8,743,500 | 5,203 |
| Average total loans | $34,375,750 | 5,615 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 887 |
| Cost of funding earning assets | 0.2630% | 6,088 |
| Net interest margin | 4.7542% | 463 |
| Noninterest income to average assets | 2.7448% | 283 |
| Noninterest expense to average assets | 5.0838% | 336 |
| Loan and lease loss provision to assets | 0.2408% | 1,546 |
| Net operating income to assets | 1.0869% | 1,966 |
| Return on assets (ROA) | 1.0869% | 2,083 |
| Pretax return on assets | 1.6476% | 1,238 |
| Return on Equity (ROE) | 7.2957% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.1571% | 1,817 |
| Net charge-offs to loans | 0.1933% | 2,597 |
| Credit loss provision to net charge-offs | 212.1212% | 1,140 |
| Earnings coverage of net charge-offs (x) | 16.6364% | 1,654 |
| Efficiency ratio | 72.9156% | 3,319 |
| Assets per employee ($millions) | 2.4187% | 6,566 |
| Cash dividends to net income (ytd only)* | 1.8987% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8869% | 2,148 |
| Loan loss allowance to noncurrent loans | 64.5226% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 2.1620% | 1,998 |
| Noncurrent loans to loans | 2.9244% | 1,531 |
| Net loans and leases to total assets | 57.5066% | 4,061 |
| Net loans and leases to deposits | 68.4604% | 3,944 |
| Net loans and leases to core deposits | 71.8727% | 4,058 |
| Total domestic deposits to total assets | 83.9997% | 4,316 |
| Equity capital to assets | 15.2836% | 659 |
| Core capital (leverage) ratio | 15.6197% | 501 |
| Tier 1 risk-based capital ratio | 23.0807% | 1,123 |
| Total risk-based capital ratio | 24.3607% | 1,105 |
| Memoranda: | ||
| Average total assets | $58,145,330 | 5,907 |
| Average earning assets | $51,701,670 | 5,946 |
| Average equity | $8,662,670 | 5,257 |
| Average total loans | $34,137,000 | 5,657 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9708% | 951 |
| Cost of funding earning assets | 0.2933% | 6,019 |
| Net interest margin | 4.6775% | 492 |
| Noninterest income to average assets | 0.9486% | 1,619 |
| Noninterest expense to average assets | 4.8871% | 397 |
| Loan and lease loss provision to assets | 0.2749% | 1,284 |
| Net operating income to assets | -0.0550% | 6,408 |
| Return on assets (ROA) | -0.0550% | 6,460 |
| Pretax return on assets | -0.0481% | 6,443 |
| Return on Equity (ROE) | -0.3739% | 6,452 |
| Retained earnings to average equity (ytd only) | -0.3739% | 5,850 |
| Net charge-offs to loans | 0.2457% | 1,982 |
| Credit loss provision to net charge-offs | 190.4762% | 1,136 |
| Earnings coverage of net charge-offs (x) | 1.5714% | 3,310 |
| Efficiency ratio | 95.5645% | 750 |
| Assets per employee ($millions) | 2.3395% | 6,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 2,700 |
| Loan loss allowance to noncurrent loans | 64.8340% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 2.2779% | 2,049 |
| Noncurrent loans to loans | 2.7435% | 1,855 |
| Net loans and leases to total assets | 61.4672% | 3,176 |
| Net loans and leases to deposits | 73.2133% | 3,019 |
| Net loans and leases to core deposits | 76.9910% | 3,208 |
| Total domestic deposits to total assets | 83.9564% | 4,496 |
| Equity capital to assets | 15.2350% | 702 |
| Core capital (leverage) ratio | 15.3879% | 528 |
| Tier 1 risk-based capital ratio | 21.1874% | 1,492 |
| Total risk-based capital ratio | 22.4655% | 1,462 |
| Memoranda: | ||
| Average total assets | $58,193,500 | 5,962 |
| Average earning assets | $51,822,500 | 5,996 |
| Average equity | $8,558,000 | 5,342 |
| Average total loans | $34,193,500 | 5,697 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6385% | 479 |
| Cost of funding earning assets | 0.2707% | 6,587 |
| Net interest margin | 5.3678% | 207 |
| Noninterest income to average assets | 2.6036% | 300 |
| Noninterest expense to average assets | 5.7007% | 254 |
| Loan and lease loss provision to assets | 0.4935% | 1,219 |
| Net operating income to assets | 0.7383% | 3,561 |
| Return on assets (ROA) | 0.7383% | 3,809 |
| Pretax return on assets | 1.2260% | 2,699 |
| Return on Equity (ROE) | 4.5883% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.5883% | 2,995 |
| Net charge-offs to loans | 2.1280% | 330 |
| Credit loss provision to net charge-offs | 36.7052% | 4,996 |
| Earnings coverage of net charge-offs (x) | 1.2789% | 4,821 |
| Efficiency ratio | 76.8264% | 2,619 |
| Assets per employee ($millions) | 2.5100% | 6,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 2,519 |
| Loan loss allowance to noncurrent loans | 58.7779% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 2.2344% | 2,194 |
| Noncurrent loans to loans | 3.1008% | 1,669 |
| Net loans and leases to total assets | 54.1899% | 4,596 |
| Net loans and leases to deposits | 63.6360% | 4,578 |
| Net loans and leases to core deposits | 66.2997% | 4,710 |
| Total domestic deposits to total assets | 85.1560% | 3,791 |
| Equity capital to assets | 14.2131% | 968 |
| Core capital (leverage) ratio | 15.5354% | 501 |
| Tier 1 risk-based capital ratio | 21.2088% | 1,417 |
| Total risk-based capital ratio | 22.4845% | 1,386 |
| Memoranda: | ||
| Average total assets | $51,467,800 | 6,168 |
| Average earning assets | $46,182,400 | 6,173 |
| Average equity | $8,282,000 | 5,424 |
| Average total loans | $32,518,800 | 5,826 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5798% | 575 |
| Cost of funding earning assets | 0.2929% | 6,647 |
| Net interest margin | 5.2869% | 247 |
| Noninterest income to average assets | 1.8373% | 476 |
| Noninterest expense to average assets | 5.7580% | 235 |
| Loan and lease loss provision to assets | 0.4870% | 1,267 |
| Net operating income to assets | 0.1191% | 6,091 |
| Return on assets (ROA) | 0.1191% | 6,230 |
| Pretax return on assets | 0.3301% | 5,897 |
| Return on Equity (ROE) | 0.7144% | 6,301 |
| Retained earnings to average equity (ytd only) | 0.7144% | 5,868 |
| Net charge-offs to loans | 2.2224% | 305 |
| Credit loss provision to net charge-offs | 33.3952% | 4,737 |
| Earnings coverage of net charge-offs (x) | 0.5603% | 5,041 |
| Efficiency ratio | 87.5720% | 1,244 |
| Assets per employee ($millions) | 2.3231% | 6,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1653% | 1,772 |
| Loan loss allowance to noncurrent loans | 38.7535% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 3.9078% | 1,247 |
| Noncurrent loans to loans | 5.5874% | 759 |
| Net loans and leases to total assets | 57.8410% | 4,163 |
| Net loans and leases to deposits | 68.6290% | 4,079 |
| Net loans and leases to core deposits | 71.9156% | 4,264 |
| Total domestic deposits to total assets | 84.2807% | 4,088 |
| Equity capital to assets | 15.3956% | 727 |
| Core capital (leverage) ratio | 16.1738% | 457 |
| Tier 1 risk-based capital ratio | 21.8998% | 1,347 |
| Total risk-based capital ratio | 23.1830% | 1,319 |
| Memoranda: | ||
| Average total assets | $49,274,750 | 6,306 |
| Average earning assets | $44,158,250 | 6,306 |
| Average equity | $8,212,000 | 5,495 |
| Average total loans | $32,336,000 | 5,908 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0709% | 271 |
| Cost of funding earning assets | 0.3334% | 6,586 |
| Net interest margin | 5.7376% | 130 |
| Noninterest income to average assets | 1.5619% | 607 |
| Noninterest expense to average assets | 5.8218% | 235 |
| Loan and lease loss provision to assets | 0.5012% | 1,270 |
| Net operating income to assets | 0.1253% | 6,104 |
| Return on assets (ROA) | 0.1253% | 6,267 |
| Pretax return on assets | 0.3425% | 5,851 |
| Return on Equity (ROE) | 0.7311% | 6,346 |
| Retained earnings to average equity (ytd only) | 0.7311% | 5,767 |
| Net charge-offs to loans | 1.8720% | 470 |
| Credit loss provision to net charge-offs | 39.3443% | 4,277 |
| Earnings coverage of net charge-offs (x) | 0.6623% | 4,729 |
| Efficiency ratio | 87.3434% | 1,306 |
| Assets per employee ($millions) | 1.9792% | 7,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7195% | 1,012 |
| Loan loss allowance to noncurrent loans | 64.7547% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 3.6782% | 1,425 |
| Noncurrent loans to loans | 4.1997% | 1,302 |
| Net loans and leases to total assets | 62.0278% | 3,432 |
| Net loans and leases to deposits | 74.6582% | 3,180 |
| Net loans and leases to core deposits | 79.1439% | 3,350 |
| Total domestic deposits to total assets | 83.0824% | 4,722 |
| Equity capital to assets | 16.5963% | 496 |
| Core capital (leverage) ratio | 17.4712% | 330 |
| Tier 1 risk-based capital ratio | 22.1503% | 1,261 |
| Total risk-based capital ratio | 23.4396% | 1,233 |
| Memoranda: | ||
| Average total assets | $47,889,330 | 6,385 |
| Average earning assets | $42,596,330 | 6,394 |
| Average equity | $8,207,330 | 5,512 |
| Average total loans | $32,585,000 | 5,929 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4747% | 167 |
| Cost of funding earning assets | 0.3576% | 6,609 |
| Net interest margin | 6.1171% | 89 |
| Noninterest income to average assets | 1.1297% | 1,104 |
| Noninterest expense to average assets | 5.6229% | 246 |
| Loan and lease loss provision to assets | 0.5096% | 1,184 |
| Net operating income to assets | 0.3822% | 5,335 |
| Return on assets (ROA) | 0.3822% | 5,518 |
| Pretax return on assets | 0.3737% | 5,802 |
| Return on Equity (ROE) | 2.1938% | 6,007 |
| Retained earnings to average equity (ytd only) | 2.1938% | 5,165 |
| Net charge-offs to loans | 1.0996% | 937 |
| Credit loss provision to net charge-offs | 65.9341% | 2,998 |
| Earnings coverage of net charge-offs (x) | 1.1429% | 3,763 |
| Efficiency ratio | 86.4230% | 1,440 |
| Assets per employee ($millions) | 1.9183% | 7,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0831% | 775 |
| Loan loss allowance to noncurrent loans | 53.2912% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 4.8730% | 1,083 |
| Noncurrent loans to loans | 5.7854% | 896 |
| Net loans and leases to total assets | 66.3330% | 2,404 |
| Net loans and leases to deposits | 80.4532% | 2,151 |
| Net loans and leases to core deposits | 86.2652% | 2,262 |
| Total domestic deposits to total assets | 82.4492% | 5,142 |
| Equity capital to assets | 17.1546% | 407 |
| Core capital (leverage) ratio | 18.2405% | 284 |
| Tier 1 risk-based capital ratio | 21.8518% | 1,310 |
| Total risk-based capital ratio | 23.1454% | 1,277 |
| Memoranda: | ||
| Average total assets | $47,093,500 | 6,456 |
| Average earning assets | $41,392,000 | 6,477 |
| Average equity | $8,205,000 | 5,529 |
| Average total loans | $33,102,500 | 5,954 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6437% | 881 |
| Cost of funding earning assets | 0.5246% | 6,439 |
| Net interest margin | 5.1191% | 326 |
| Noninterest income to average assets | 2.3445% | 295 |
| Noninterest expense to average assets | 5.3916% | 281 |
| Loan and lease loss provision to assets | 0.6110% | 1,691 |
| Net operating income to assets | 0.4100% | 4,815 |
| Return on assets (ROA) | 0.4100% | 5,005 |
| Pretax return on assets | 0.7702% | 4,079 |
| Return on Equity (ROE) | 2.5534% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.5534% | 4,410 |
| Net charge-offs to loans | 0.3975% | 3,425 |
| Credit loss provision to net charge-offs | 247.5806% | 978 |
| Earnings coverage of net charge-offs (x) | 5.5968% | 2,744 |
| Efficiency ratio | 79.6062% | 2,360 |
| Assets per employee ($millions) | 1.9262% | 7,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1245% | 731 |
| Loan loss allowance to noncurrent loans | 49.8090% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 4.9168% | 1,094 |
| Noncurrent loans to loans | 6.2730% | 774 |
| Net loans and leases to total assets | 69.9518% | 2,041 |
| Net loans and leases to deposits | 85.6296% | 1,715 |
| Net loans and leases to core deposits | 93.5733% | 1,745 |
| Total domestic deposits to total assets | 81.6911% | 5,238 |
| Equity capital to assets | 17.7010% | 364 |
| Core capital (leverage) ratio | 17.7613% | 312 |
| Tier 1 risk-based capital ratio | 21.5996% | 1,299 |
| Total risk-based capital ratio | 22.8930% | 1,258 |
| Memoranda: | ||
| Average total assets | $50,245,200 | 6,356 |
| Average earning assets | $43,464,600 | 6,403 |
| Average equity | $8,067,600 | 5,550 |
| Average total loans | $31,195,800 | 6,112 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2006% | 2,209 |
| Cost of funding earning assets | 0.5428% | 6,538 |
| Net interest margin | 4.6578% | 834 |
| Noninterest income to average assets | 2.1203% | 350 |
| Noninterest expense to average assets | 5.1095% | 339 |
| Loan and lease loss provision to assets | 0.5203% | 1,904 |
| Net operating income to assets | 0.4501% | 4,776 |
| Return on assets (ROA) | 0.4501% | 4,965 |
| Pretax return on assets | 0.4865% | 5,204 |
| Return on Equity (ROE) | 2.8694% | 5,472 |
| Retained earnings to average equity (ytd only) | 2.8694% | 4,639 |
| Net charge-offs to loans | 0.5481% | 2,596 |
| Credit loss provision to net charge-offs | 158.7302% | 1,949 |
| Earnings coverage of net charge-offs (x) | 3.0714% | 3,603 |
| Efficiency ratio | 83.5389% | 1,781 |
| Assets per employee ($millions) | 1.9996% | 7,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8230% | 1,013 |
| Loan loss allowance to noncurrent loans | 48.7220% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 7.2557% | 662 |
| Noncurrent loans to loans | 5.7942% | 985 |
| Net loans and leases to total assets | 66.9952% | 2,676 |
| Net loans and leases to deposits | 81.2407% | 2,493 |
| Net loans and leases to core deposits | 87.9019% | 2,508 |
| Total domestic deposits to total assets | 82.4651% | 4,895 |
| Equity capital to assets | 16.9848% | 484 |
| Core capital (leverage) ratio | 17.0011% | 399 |
| Tier 1 risk-based capital ratio | 20.8189% | 1,492 |
| Total risk-based capital ratio | 22.1062% | 1,460 |
| Memoranda: | ||
| Average total assets | $51,249,250 | 6,381 |
| Average earning assets | $43,968,250 | 6,449 |
| Average equity | $8,038,750 | 5,587 |
| Average total loans | $30,649,500 | 6,190 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 3,494 |
| Cost of funding earning assets | 0.5452% | 6,683 |
| Net interest margin | 4.3835% | 1,425 |
| Noninterest income to average assets | 1.8763% | 395 |
| Noninterest expense to average assets | 4.8151% | 430 |
| Loan and lease loss provision to assets | 0.4777% | 2,074 |
| Net operating income to assets | 0.3286% | 5,254 |
| Return on assets (ROA) | 0.3286% | 5,388 |
| Pretax return on assets | 0.3630% | 5,507 |
| Return on Equity (ROE) | 2.1496% | 5,741 |
| Retained earnings to average equity (ytd only) | 2.1496% | 4,915 |
| Net charge-offs to loans | 0.8312% | 1,842 |
| Credit loss provision to net charge-offs | 100.8065% | 3,075 |
| Earnings coverage of net charge-offs (x) | 1.7742% | 3,982 |
| Efficiency ratio | 85.1351% | 1,688 |
| Assets per employee ($millions) | 2.2426% | 7,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9462% | 940 |
| Loan loss allowance to noncurrent loans | 41.8244% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 7.4661% | 648 |
| Noncurrent loans to loans | 7.0442% | 730 |
| Net loans and leases to total assets | 55.0523% | 5,140 |
| Net loans and leases to deposits | 65.4723% | 5,075 |
| Net loans and leases to core deposits | 70.7671% | 4,983 |
| Total domestic deposits to total assets | 84.0849% | 4,307 |
| Equity capital to assets | 15.6320% | 672 |
| Core capital (leverage) ratio | 15.6679% | 544 |
| Tier 1 risk-based capital ratio | 21.4681% | 1,332 |
| Total risk-based capital ratio | 22.7568% | 1,305 |
| Memoranda: | ||
| Average total assets | $52,335,670 | 6,398 |
| Average earning assets | $45,123,670 | 6,471 |
| Average equity | $8,001,330 | 5,606 |
| Average total loans | $29,837,670 | 6,283 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1844% | 2,280 |
| Cost of funding earning assets | 0.5439% | 6,820 |
| Net interest margin | 4.6405% | 797 |
| Noninterest income to average assets | 1.2217% | 852 |
| Noninterest expense to average assets | 4.9551% | 378 |
| Loan and lease loss provision to assets | 0.3794% | 2,289 |
| Net operating income to assets | -0.0986% | 6,457 |
| Return on assets (ROA) | -0.0986% | 6,476 |
| Pretax return on assets | -0.0986% | 6,447 |
| Return on Equity (ROE) | -0.6524% | 6,447 |
| Retained earnings to average equity (ytd only) | -0.6524% | 5,920 |
| Net charge-offs to loans | 1.7526% | 751 |
| Credit loss provision to net charge-offs | 37.8788% | 3,986 |
| Earnings coverage of net charge-offs (x) | 0.2803% | 4,403 |
| Efficiency ratio | 94.6377% | 1,005 |
| Assets per employee ($millions) | 2.4912% | 6,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6934% | 1,210 |
| Loan loss allowance to noncurrent loans | 34.8410% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 7.8620% | 613 |
| Noncurrent loans to loans | 7.7307% | 662 |
| Net loans and leases to total assets | 53.7265% | 5,341 |
| Net loans and leases to deposits | 63.5747% | 5,316 |
| Net loans and leases to core deposits | 68.6022% | 5,216 |
| Total domestic deposits to total assets | 84.5092% | 4,264 |
| Equity capital to assets | 15.2232% | 720 |
| Core capital (leverage) ratio | 15.3588% | 596 |
| Tier 1 risk-based capital ratio | 21.0032% | 1,393 |
| Total risk-based capital ratio | 22.2876% | 1,361 |
| Memoranda: | ||
| Average total assets | $52,713,500 | 6,430 |
| Average earning assets | $45,598,500 | 6,499 |
| Average equity | $7,970,500 | 5,613 |
| Average total loans | $30,127,500 | 6,328 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7389% | 1,440 |
| Cost of funding earning assets | 0.7750% | 6,664 |
| Net interest margin | 4.9638% | 472 |
| Noninterest income to average assets | 0.6761% | 2,988 |
| Noninterest expense to average assets | 4.7469% | 526 |
| Loan and lease loss provision to assets | 1.0747% | 1,494 |
| Net operating income to assets | -0.4591% | 6,359 |
| Return on assets (ROA) | -0.3728% | 6,314 |
| Pretax return on assets | -0.7436% | 6,483 |
| Return on Equity (ROE) | -2.3143% | 6,207 |
| Retained earnings to average equity (ytd only) | -2.3143% | 6,014 |
| Net charge-offs to loans | 2.1367% | 921 |
| Credit loss provision to net charge-offs | 75.4875% | 5,717 |
| Earnings coverage of net charge-offs (x) | 0.1379% | 5,982 |
| Efficiency ratio | 96.0289% | 965 |
| Assets per employee ($millions) | 2.4142% | 7,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7415% | 1,125 |
| Loan loss allowance to noncurrent loans | 41.1680% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 7.7478% | 658 |
| Noncurrent loans to loans | 6.6592% | 878 |
| Net loans and leases to total assets | 57.4446% | 5,120 |
| Net loans and leases to deposits | 67.7940% | 5,129 |
| Net loans and leases to core deposits | 72.0051% | 5,212 |
| Total domestic deposits to total assets | 84.7341% | 3,978 |
| Equity capital to assets | 15.0192% | 783 |
| Core capital (leverage) ratio | 15.9991% | 512 |
| Tier 1 risk-based capital ratio | 20.0377% | 1,481 |
| Total risk-based capital ratio | 21.2987% | 1,449 |
| Memoranda: | ||
| Average total assets | $50,432,800 | 6,516 |
| Average earning assets | $43,353,600 | 6,604 |
| Average equity | $8,123,400 | 5,677 |
| Average total loans | $33,603,600 | 6,229 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8846% | 1,169 |
| Cost of funding earning assets | 0.8331% | 6,643 |
| Net interest margin | 5.0516% | 387 |
| Noninterest income to average assets | 0.6564% | 3,088 |
| Noninterest expense to average assets | 4.5896% | 541 |
| Loan and lease loss provision to assets | 1.1307% | 1,282 |
| Net operating income to assets | -0.3702% | 6,488 |
| Return on assets (ROA) | -0.2519% | 6,432 |
| Pretax return on assets | -0.5573% | 6,589 |
| Return on Equity (ROE) | -1.5359% | 6,347 |
| Retained earnings to average equity (ytd only) | -1.5359% | 6,107 |
| Net charge-offs to loans | 1.5260% | 1,317 |
| Credit loss provision to net charge-offs | 107.9284% | 3,948 |
| Earnings coverage of net charge-offs (x) | 0.3708% | 5,659 |
| Efficiency ratio | 92.1959% | 1,115 |
| Assets per employee ($millions) | 2.3015% | 7,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1174% | 757 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 7.3195% | 728 |
| Noncurrent loans to loans | 6.2348% | 974 |
| Net loans and leases to total assets | 65.4922% | 3,800 |
| Net loans and leases to deposits | 78.1615% | 3,800 |
| Net loans and leases to core deposits | 82.6995% | 4,129 |
| Total domestic deposits to total assets | 83.7909% | 4,237 |
| Equity capital to assets | 15.9405% | 691 |
| Core capital (leverage) ratio | 16.2876% | 517 |
| Tier 1 risk-based capital ratio | 19.6418% | 1,619 |
| Total risk-based capital ratio | 20.9316% | 1,576 |
| Memoranda: | ||
| Average total assets | $49,763,000 | 6,627 |
| Average earning assets | $42,573,000 | 6,711 |
| Average equity | $8,160,000 | 5,739 |
| Average total loans | $34,162,000 | 6,285 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9512% | 1,047 |
| Cost of funding earning assets | 0.8515% | 6,753 |
| Net interest margin | 5.0997% | 341 |
| Noninterest income to average assets | 0.2506% | 6,118 |
| Noninterest expense to average assets | 4.4428% | 614 |
| Loan and lease loss provision to assets | 0.6913% | 2,092 |
| Net operating income to assets | -0.1219% | 6,259 |
| Return on assets (ROA) | 0.0566% | 6,078 |
| Pretax return on assets | -0.2223% | 6,355 |
| Return on Equity (ROE) | 0.3419% | 6,122 |
| Retained earnings to average equity (ytd only) | 0.3419% | 5,622 |
| Net charge-offs to loans | 1.7340% | 1,079 |
| Credit loss provision to net charge-offs | 57.7703% | 5,262 |
| Earnings coverage of net charge-offs (x) | 0.1588% | 5,562 |
| Efficiency ratio | 95.8988% | 970 |
| Assets per employee ($millions) | 2.7668% | 6,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6882% | 1,105 |
| Loan loss allowance to noncurrent loans | 587.7419% | 551 |
| Noncurrent assets plus other real estate owned to assets | 4.2838% | 1,562 |
| Noncurrent loans to loans | 0.4574% | 6,337 |
| Net loans and leases to total assets | 62.7316% | 4,531 |
| Net loans and leases to deposits | 74.5619% | 4,587 |
| Net loans and leases to core deposits | 78.1932% | 4,919 |
| Total domestic deposits to total assets | 84.1335% | 4,047 |
| Equity capital to assets | 15.5583% | 756 |
| Core capital (leverage) ratio | 16.6311% | 482 |
| Tier 1 risk-based capital ratio | 19.7508% | 1,553 |
| Total risk-based capital ratio | 21.0355% | 1,520 |
| Memoranda: | ||
| Average total assets | $49,473,330 | 6,669 |
| Average earning assets | $42,512,670 | 6,759 |
| Average equity | $8,189,670 | 5,733 |
| Average total loans | $34,140,330 | 6,326 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8814% | 1,244 |
| Cost of funding earning assets | 0.8944% | 6,793 |
| Net interest margin | 4.9871% | 428 |
| Noninterest income to average assets | 0.1085% | 7,154 |
| Noninterest expense to average assets | 4.6155% | 507 |
| Loan and lease loss provision to assets | 0.5008% | 2,492 |
| Net operating income to assets | -0.3018% | 6,668 |
| Return on assets (ROA) | 0.0668% | 6,221 |
| Pretax return on assets | -0.1502% | 6,507 |
| Return on Equity (ROE) | 0.3905% | 6,310 |
| Retained earnings to average equity (ytd only) | 0.3905% | 5,679 |
| Net charge-offs to loans | 1.0856% | 1,540 |
| Credit loss provision to net charge-offs | 64.5161% | 4,216 |
| Earnings coverage of net charge-offs (x) | -0.2903% | 5,204 |
| Efficiency ratio | 105.1331% | 696 |
| Assets per employee ($millions) | 2.2062% | 7,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9856% | 833 |
| Loan loss allowance to noncurrent loans | 135.1279% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 6.0078% | 1,000 |
| Noncurrent loans to loans | 2.2095% | 3,514 |
| Net loans and leases to total assets | 67.2147% | 3,573 |
| Net loans and leases to deposits | 81.1199% | 3,439 |
| Net loans and leases to core deposits | 86.0474% | 3,886 |
| Total domestic deposits to total assets | 82.8584% | 4,698 |
| Equity capital to assets | 16.8387% | 553 |
| Core capital (leverage) ratio | 17.0094% | 458 |
| Tier 1 risk-based capital ratio | 20.3450% | 1,457 |
| Total risk-based capital ratio | 21.6345% | 1,412 |
| Memoranda: | ||
| Average total assets | $47,925,000 | 6,810 |
| Average earning assets | $41,146,500 | 6,894 |
| Average equity | $8,195,000 | 5,773 |
| Average total loans | $34,266,000 | 6,407 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8442% | 355 |
| Cost of funding earning assets | 1.4529% | 5,712 |
| Net interest margin | 5.3913% | 211 |
| Noninterest income to average assets | 0.2441% | 6,351 |
| Noninterest expense to average assets | 5.2088% | 458 |
| Loan and lease loss provision to assets | 2.6492% | 726 |
| Net operating income to assets | -1.7043% | 6,962 |
| Return on assets (ROA) | -1.7043% | 6,968 |
| Pretax return on assets | -2.8224% | 7,245 |
| Return on Equity (ROE) | -9.5299% | 6,584 |
| Retained earnings to average equity (ytd only) | -9.5299% | 6,481 |
| Net charge-offs to loans | 2.2956% | 1,015 |
| Credit loss provision to net charge-offs | 144.9772% | 3,285 |
| Earnings coverage of net charge-offs (x) | -0.0947% | 6,328 |
| Efficiency ratio | 103.4383% | 966 |
| Assets per employee ($millions) | 2.1506% | 7,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9710% | 788 |
| Loan loss allowance to noncurrent loans | 243.4272% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 6.1505% | 911 |
| Noncurrent loans to loans | 1.2205% | 4,915 |
| Net loans and leases to total assets | 71.5807% | 2,865 |
| Net loans and leases to deposits | 88.0715% | 2,544 |
| Net loans and leases to core deposits | 132.1949% | 1,160 |
| Total domestic deposits to total assets | 81.2758% | 5,240 |
| Equity capital to assets | 17.3673% | 519 |
| Core capital (leverage) ratio | 17.2153% | 467 |
| Tier 1 risk-based capital ratio | 19.8319% | 1,487 |
| Total risk-based capital ratio | 21.1194% | 1,446 |
| Memoranda: | ||
| Average total assets | $47,938,400 | 6,791 |
| Average earning assets | $42,605,400 | 6,835 |
| Average equity | $8,573,000 | 5,741 |
| Average total loans | $38,160,400 | 6,194 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7384% | 472 |
| Cost of funding earning assets | 1.5410% | 5,668 |
| Net interest margin | 5.1974% | 304 |
| Noninterest income to average assets | 0.4574% | 4,849 |
| Noninterest expense to average assets | 4.9762% | 499 |
| Loan and lease loss provision to assets | 2.4285% | 693 |
| Net operating income to assets | -1.4804% | 7,099 |
| Return on assets (ROA) | -1.4804% | 7,098 |
| Pretax return on assets | -2.2815% | 7,277 |
| Return on Equity (ROE) | -8.2196% | 6,752 |
| Retained earnings to average equity (ytd only) | -8.2196% | 6,626 |
| Net charge-offs to loans | 2.7881% | 635 |
| Credit loss provision to net charge-offs | 107.4847% | 4,729 |
| Earnings coverage of net charge-offs (x) | 0.0650% | 5,980 |
| Efficiency ratio | 97.1320% | 1,203 |
| Assets per employee ($millions) | 2.2348% | 7,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9834% | 1,840 |
| Loan loss allowance to noncurrent loans | 87.1287% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 5.6743% | 983 |
| Noncurrent loans to loans | 2.2764% | 3,293 |
| Net loans and leases to total assets | 74.1322% | 2,486 |
| Net loans and leases to deposits | 91.2001% | 2,362 |
| Net loans and leases to core deposits | 141.0656% | 870 |
| Total domestic deposits to total assets | 81.2853% | 4,966 |
| Equity capital to assets | 18.1266% | 505 |
| Core capital (leverage) ratio | 17.3681% | 510 |
| Tier 1 risk-based capital ratio | 20.5442% | 1,445 |
| Total risk-based capital ratio | 21.8234% | 1,399 |
| Memoranda: | ||
| Average total assets | $48,094,750 | 6,832 |
| Average earning assets | $43,174,250 | 6,859 |
| Average equity | $8,662,000 | 5,766 |
| Average total loans | $38,974,500 | 6,201 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7327% | 513 |
| Cost of funding earning assets | 1.6374% | 5,572 |
| Net interest margin | 5.0953% | 360 |
| Noninterest income to average assets | 0.6600% | 3,265 |
| Noninterest expense to average assets | 5.0245% | 504 |
| Loan and lease loss provision to assets | 3.0774% | 488 |
| Net operating income to assets | -2.3472% | 7,526 |
| Return on assets (ROA) | -2.3472% | 7,516 |
| Pretax return on assets | -2.8464% | 7,524 |
| Return on Equity (ROE) | -13.0599% | 7,228 |
| Retained earnings to average equity (ytd only) | -13.0599% | 7,115 |
| Net charge-offs to loans | 2.7458% | 611 |
| Credit loss provision to net charge-offs | 135.3902% | 3,441 |
| Earnings coverage of net charge-offs (x) | 0.1016% | 5,575 |
| Efficiency ratio | 95.6044% | 1,405 |
| Assets per employee ($millions) | 2.2432% | 7,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2544% | 1,158 |
| Loan loss allowance to noncurrent loans | 43.5777% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 7.9068% | 483 |
| Noncurrent loans to loans | 5.1734% | 1,162 |
| Net loans and leases to total assets | 73.6231% | 2,809 |
| Net loans and leases to deposits | 89.4109% | 2,915 |
| Net loans and leases to core deposits | 138.9407% | 1,058 |
| Total domestic deposits to total assets | 82.3425% | 4,547 |
| Equity capital to assets | 17.0375% | 658 |
| Core capital (leverage) ratio | 17.1049% | 605 |
| Tier 1 risk-based capital ratio | 19.7276% | 1,628 |
| Total risk-based capital ratio | 21.0095% | 1,581 |
| Memoranda: | ||
| Average total assets | $48,482,670 | 6,887 |
| Average earning assets | $43,726,670 | 6,893 |
| Average equity | $8,713,670 | 5,772 |
| Average total loans | $40,134,330 | 6,201 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3106% | 218 |
| Cost of funding earning assets | 1.6276% | 5,913 |
| Net interest margin | 5.6830% | 140 |
| Noninterest income to average assets | 0.8658% | 2,009 |
| Noninterest expense to average assets | 4.9949% | 491 |
| Loan and lease loss provision to assets | 0.7492% | 1,724 |
| Net operating income to assets | 0.2331% | 5,554 |
| Return on assets (ROA) | 0.2331% | 5,716 |
| Pretax return on assets | 0.3247% | 5,606 |
| Return on Equity (ROE) | 1.2632% | 6,051 |
| Retained earnings to average equity (ytd only) | 1.2632% | 5,131 |
| Net charge-offs to loans | 0.2307% | 3,252 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 5.3750% | 2,684 |
| Efficiency ratio | 82.3045% | 2,496 |
| Assets per employee ($millions) | 2.2650% | 7,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 1,938 |
| Loan loss allowance to noncurrent loans | 27.0817% | 6,762 |
| Noncurrent assets plus other real estate owned to assets | 6.4269% | 584 |
| Noncurrent loans to loans | 6.5194% | 680 |
| Net loans and leases to total assets | 82.9332% | 857 |
| Net loans and leases to deposits | 102.4916% | 1,131 |
| Net loans and leases to core deposits | 156.8135% | 548 |
| Total domestic deposits to total assets | 80.9170% | 5,003 |
| Equity capital to assets | 18.6898% | 520 |
| Core capital (leverage) ratio | 18.3921% | 514 |
| Tier 1 risk-based capital ratio | 20.8890% | 1,467 |
| Total risk-based capital ratio | 22.1661% | 1,435 |
| Memoranda: | ||
| Average total assets | $48,049,000 | 6,946 |
| Average earning assets | $43,991,000 | 6,931 |
| Average equity | $8,866,500 | 5,749 |
| Average total loans | $41,616,000 | 6,161 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5808% | 96 |
| Cost of funding earning assets | 1.6530% | 7,347 |
| Net interest margin | 6.9278% | 58 |
| Noninterest income to average assets | 0.8306% | 2,345 |
| Noninterest expense to average assets | 5.7008% | 464 |
| Loan and lease loss provision to assets | 0.7614% | 1,962 |
| Net operating income to assets | 0.3293% | 5,449 |
| Return on assets (ROA) | 0.3293% | 5,269 |
| Pretax return on assets | 0.4866% | 5,007 |
| Return on Equity (ROE) | 1.7941% | 5,673 |
| Retained earnings to average equity (ytd only) | 1.0513% | 4,595 |
| Net charge-offs to loans | 0.2659% | 3,628 |
| Credit loss provision to net charge-offs | 355.8824% | 1,254 |
| Earnings coverage of net charge-offs (x) | 5.8333% | 3,519 |
| Efficiency ratio | 82.0404% | 2,298 |
| Assets per employee ($millions) | 2.3110% | 7,546 |
| Cash dividends to net income (ytd only)* | 41.4013% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 2,744 |
| Loan loss allowance to noncurrent loans | 34.2583% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 4.4651% | 849 |
| Noncurrent loans to loans | 4.3506% | 1,098 |
| Net loans and leases to total assets | 87.4330% | 421 |
| Net loans and leases to deposits | 107.4253% | 1,009 |
| Net loans and leases to core deposits | 143.4711% | 1,114 |
| Total domestic deposits to total assets | 81.3896% | 4,469 |
| Equity capital to assets | 18.2210% | 626 |
| Core capital (leverage) ratio | 18.6743% | 539 |
| Tier 1 risk-based capital ratio | 19.9579% | 1,626 |
| Total risk-based capital ratio | 21.2317% | 1,587 |
| Memoranda: | ||
| Average total assets | $47,677,800 | 6,874 |
| Average earning assets | $42,105,600 | 6,944 |
| Average equity | $8,750,800 | 5,830 |
| Average total loans | $38,358,800 | 6,253 |