Home > Bank of Commerce > Performance and Condition Ratios
Bank of Commerce, 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 | 6.1135% | 200 |
| Cost of funding earning assets | 0.9780% | 1,855 |
| Net interest margin | 5.1355% | 217 |
| Noninterest income to average assets | 0.4861% | 2,821 |
| Noninterest expense to average assets | 3.0839% | 1,747 |
| Loan and lease loss provision to assets | 0.1671% | 1,115 |
| Net operating income to assets | 1.9896% | 404 |
| Return on assets (ROA) | 2.2235% | 271 |
| Pretax return on assets | 2.2235% | 433 |
| Return on Equity (ROE) | 16.7789% | 507 |
| Retained earnings to average equity (ytd only) | 4.6769% | 3,065 |
| Net charge-offs to loans | 0.0964% | 1,509 |
| Credit loss provision to net charge-offs | 238.0952% | 1,134 |
| Earnings coverage of net charge-offs (x) | 30.7373% | 1,602 |
| Efficiency ratio | 58.8460% | 3,815 |
| Assets per employee ($millions) | 3.2519% | 4,702 |
| Cash dividends to net income (ytd only)* | 72.1264% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 2,809 |
| Loan loss allowance to noncurrent loans | 97.0888% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8450% | 1,627 |
| Noncurrent loans to loans | 1.1771% | 1,343 |
| Net loans and leases to total assets | 70.9682% | 2,329 |
| Net loans and leases to deposits | 84.4494% | 2,394 |
| Net loans and leases to core deposits | 94.6394% | 2,116 |
| Total domestic deposits to total assets | 84.0363% | 2,808 |
| Equity capital to assets | 13.6832% | 1,278 |
| Core capital (leverage) ratio | 12.7505% | 1,461 |
| Tier 1 risk-based capital ratio | 16.6909% | 2,188 |
| Total risk-based capital ratio | 17.7429% | 2,206 |
| Memoranda: | ||
| Average total assets | $79,811,500 | 4,343 |
| Average earning assets | $73,888,750 | 4,339 |
| Average equity | $10,576,500 | 4,219 |
| Average total loans | $58,063,000 | 4,062 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0474% | 215 |
| Cost of funding earning assets | 0.9413% | 1,961 |
| Net interest margin | 5.1062% | 234 |
| Noninterest income to average assets | 0.4917% | 2,720 |
| Noninterest expense to average assets | 3.0511% | 1,860 |
| Loan and lease loss provision to assets | 0.2522% | 604 |
| Net operating income to assets | 1.9214% | 452 |
| Return on assets (ROA) | 1.9214% | 475 |
| Pretax return on assets | 1.9214% | 796 |
| Return on Equity (ROE) | 14.6623% | 837 |
| Retained earnings to average equity (ytd only) | 8.3125% | 1,274 |
| Net charge-offs to loans | 0.1104% | 1,308 |
| Credit loss provision to net charge-offs | 312.5000% | 872 |
| Earnings coverage of net charge-offs (x) | 26.9375% | 1,559 |
| Efficiency ratio | 58.3977% | 3,955 |
| Assets per employee ($millions) | 2.7788% | 5,028 |
| Cash dividends to net income (ytd only)* | 43.3071% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 2,755 |
| Loan loss allowance to noncurrent loans | 54.7215% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.5375% | 719 |
| Noncurrent loans to loans | 2.1153% | 651 |
| Net loans and leases to total assets | 71.8434% | 2,233 |
| Net loans and leases to deposits | 84.9174% | 2,376 |
| Net loans and leases to core deposits | 97.2339% | 1,952 |
| Total domestic deposits to total assets | 84.6038% | 2,640 |
| Equity capital to assets | 13.6551% | 1,262 |
| Core capital (leverage) ratio | 13.0707% | 1,262 |
| Tier 1 risk-based capital ratio | 16.9995% | 2,091 |
| Total risk-based capital ratio | 18.0986% | 2,073 |
| Memoranda: | ||
| Average total assets | $79,316,330 | 4,385 |
| Average earning assets | $73,519,000 | 4,379 |
| Average equity | $10,394,000 | 4,253 |
| Average total loans | $57,963,330 | 4,092 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0217% | 218 |
| Cost of funding earning assets | 0.9319% | 1,878 |
| Net interest margin | 5.0898% | 249 |
| Noninterest income to average assets | 0.4830% | 2,664 |
| Noninterest expense to average assets | 3.0604% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1148% | 310 |
| Return on assets (ROA) | 2.1148% | 327 |
| Pretax return on assets | 2.1148% | 508 |
| Return on Equity (ROE) | 16.4932% | 531 |
| Retained earnings to average equity (ytd only) | 3.8061% | 3,400 |
| Net charge-offs to loans | 0.3191% | 472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 9.0435% | 2,053 |
| Efficiency ratio | 59.1356% | 3,934 |
| Assets per employee ($millions) | 3.2989% | 4,745 |
| Cash dividends to net income (ytd only)* | 76.9231% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 3,857 |
| Loan loss allowance to noncurrent loans | 92.4466% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.7692% | 1,829 |
| Noncurrent loans to loans | 1.0523% | 1,584 |
| Net loans and leases to total assets | 72.3823% | 2,095 |
| Net loans and leases to deposits | 84.7639% | 2,290 |
| Net loans and leases to core deposits | 95.1423% | 2,011 |
| Total domestic deposits to total assets | 85.3929% | 2,532 |
| Equity capital to assets | 13.0548% | 1,420 |
| Core capital (leverage) ratio | 12.8779% | 1,331 |
| Tier 1 risk-based capital ratio | 16.7771% | 2,180 |
| Total risk-based capital ratio | 17.7077% | 2,230 |
| Memoranda: | ||
| Average total assets | $78,682,000 | 4,439 |
| Average earning assets | $72,537,500 | 4,442 |
| Average equity | $10,089,000 | 4,312 |
| Average total loans | $57,658,500 | 4,137 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9634% | 174 |
| Cost of funding earning assets | 0.6609% | 2,315 |
| Net interest margin | 5.3024% | 160 |
| Noninterest income to average assets | 0.6019% | 2,279 |
| Noninterest expense to average assets | 3.3157% | 1,286 |
| Loan and lease loss provision to assets | 0.5643% | 198 |
| Net operating income to assets | 1.5914% | 889 |
| Return on assets (ROA) | 1.5262% | 1,034 |
| Pretax return on assets | 1.5262% | 1,689 |
| Return on Equity (ROE) | 12.0813% | 1,688 |
| Retained earnings to average equity (ytd only) | -1.4891% | 5,100 |
| Net charge-offs to loans | 0.7455% | 210 |
| Credit loss provision to net charge-offs | 102.7397% | 2,460 |
| Earnings coverage of net charge-offs (x) | 3.9247% | 3,364 |
| Efficiency ratio | 60.6005% | 3,761 |
| Assets per employee ($millions) | 2.6962% | 5,142 |
| Cash dividends to net income (ytd only)* | 112.3254% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 3,311 |
| Loan loss allowance to noncurrent loans | 88.7918% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.8786% | 1,586 |
| Noncurrent loans to loans | 1.1959% | 1,338 |
| Net loans and leases to total assets | 72.6896% | 2,148 |
| Net loans and leases to deposits | 85.9797% | 2,273 |
| Net loans and leases to core deposits | 98.4582% | 1,833 |
| Total domestic deposits to total assets | 84.5428% | 2,817 |
| Equity capital to assets | 12.5873% | 1,541 |
| Core capital (leverage) ratio | 12.7008% | 1,373 |
| Tier 1 risk-based capital ratio | 17.0121% | 2,062 |
| Total risk-based capital ratio | 18.0442% | 2,080 |
| Memoranda: | ||
| Average total assets | $79,742,200 | 4,433 |
| Average earning assets | $73,230,600 | 4,435 |
| Average equity | $10,073,400 | 4,286 |
| Average total loans | $58,751,000 | 4,125 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9252% | 174 |
| Cost of funding earning assets | 0.5880% | 2,560 |
| Net interest margin | 5.3372% | 140 |
| Noninterest income to average assets | 0.5641% | 2,500 |
| Noninterest expense to average assets | 3.3994% | 1,116 |
| Loan and lease loss provision to assets | 0.4160% | 309 |
| Net operating income to assets | 1.6573% | 823 |
| Return on assets (ROA) | 1.5707% | 1,027 |
| Pretax return on assets | 1.5707% | 1,672 |
| Return on Equity (ROE) | 12.4233% | 1,628 |
| Retained earnings to average equity (ytd only) | -1.3555% | 5,153 |
| Net charge-offs to loans | 0.2821% | 594 |
| Credit loss provision to net charge-offs | 200.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 9.9681% | 2,611 |
| Efficiency ratio | 62.1161% | 3,496 |
| Assets per employee ($millions) | 2.7785% | 5,170 |
| Cash dividends to net income (ytd only)* | 110.9110% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 2,539 |
| Loan loss allowance to noncurrent loans | 101.5471% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.9035% | 1,636 |
| Noncurrent loans to loans | 1.1970% | 1,414 |
| Net loans and leases to total assets | 72.8185% | 2,202 |
| Net loans and leases to deposits | 89.7583% | 1,933 |
| Net loans and leases to core deposits | 102.0045% | 1,613 |
| Total domestic deposits to total assets | 81.1274% | 3,835 |
| Equity capital to assets | 12.2678% | 1,727 |
| Core capital (leverage) ratio | 12.4184% | 1,544 |
| Tier 1 risk-based capital ratio | 17.1255% | 2,053 |
| Total risk-based capital ratio | 18.3493% | 2,007 |
| Memoranda: | ||
| Average total assets | $80,130,250 | 4,473 |
| Average earning assets | $73,695,250 | 4,472 |
| Average equity | $10,131,250 | 4,326 |
| Average total loans | $59,077,250 | 4,158 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8765% | 171 |
| Cost of funding earning assets | 0.4920% | 3,063 |
| Net interest margin | 5.3845% | 129 |
| Noninterest income to average assets | 0.5601% | 2,517 |
| Noninterest expense to average assets | 3.4908% | 1,006 |
| Loan and lease loss provision to assets | 0.3751% | 331 |
| Net operating income to assets | 1.6754% | 758 |
| Return on assets (ROA) | 1.5454% | 1,047 |
| Pretax return on assets | 1.5454% | 1,667 |
| Return on Equity (ROE) | 12.1018% | 1,687 |
| Retained earnings to average equity (ytd only) | -2.1345% | 5,160 |
| Net charge-offs to loans | 0.2985% | 534 |
| Credit loss provision to net charge-offs | 170.4545% | 1,452 |
| Earnings coverage of net charge-offs (x) | 9.3182% | 2,404 |
| Efficiency ratio | 62.9964% | 3,477 |
| Assets per employee ($millions) | 2.7609% | 5,231 |
| Cash dividends to net income (ytd only)* | 117.6375% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 3,243 |
| Loan loss allowance to noncurrent loans | 110.5528% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.7669% | 1,944 |
| Noncurrent loans to loans | 0.9971% | 1,755 |
| Net loans and leases to total assets | 73.9562% | 1,951 |
| Net loans and leases to deposits | 95.2529% | 1,223 |
| Net loans and leases to core deposits | 104.6850% | 1,339 |
| Total domestic deposits to total assets | 77.6419% | 4,644 |
| Equity capital to assets | 12.4486% | 1,568 |
| Core capital (leverage) ratio | 12.5616% | 1,403 |
| Tier 1 risk-based capital ratio | 17.0794% | 2,075 |
| Total risk-based capital ratio | 18.1958% | 2,063 |
| Memoranda: | ||
| Average total assets | $79,981,330 | 4,514 |
| Average earning assets | $73,989,670 | 4,503 |
| Average equity | $10,213,330 | 4,354 |
| Average total loans | $58,970,670 | 4,189 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9299% | 155 |
| Cost of funding earning assets | 0.4243% | 3,407 |
| Net interest margin | 5.5055% | 107 |
| Noninterest income to average assets | 0.5654% | 2,444 |
| Noninterest expense to average assets | 3.5627% | 911 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1316% | 276 |
| Return on assets (ROA) | 2.1316% | 276 |
| Pretax return on assets | 2.1316% | 434 |
| Return on Equity (ROE) | 16.4853% | 555 |
| Retained earnings to average equity (ytd only) | 0.7353% | 4,680 |
| Net charge-offs to loans | -0.2324% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5659% | 3,694 |
| Assets per employee ($millions) | 2.6732% | 5,346 |
| Cash dividends to net income (ytd only)* | 95.5399% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 3,558 |
| Loan loss allowance to noncurrent loans | 513.0081% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 4,151 |
| Noncurrent loans to loans | 0.2082% | 4,038 |
| Net loans and leases to total assets | 72.8690% | 2,042 |
| Net loans and leases to deposits | 91.7898% | 1,477 |
| Net loans and leases to core deposits | 99.3793% | 1,733 |
| Total domestic deposits to total assets | 79.3868% | 4,510 |
| Equity capital to assets | 12.7326% | 1,370 |
| Core capital (leverage) ratio | 12.9035% | 1,213 |
| Tier 1 risk-based capital ratio | 16.9712% | 2,124 |
| Total risk-based capital ratio | 18.0186% | 2,138 |
| Memoranda: | ||
| Average total assets | $79,939,500 | 4,568 |
| Average earning assets | $74,470,500 | 4,545 |
| Average equity | $10,336,500 | 4,376 |
| Average total loans | $58,519,500 | 4,234 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4806% | 272 |
| Cost of funding earning assets | 0.3469% | 3,743 |
| Net interest margin | 5.1337% | 185 |
| Noninterest income to average assets | 0.4952% | 3,031 |
| Noninterest expense to average assets | 3.1842% | 1,644 |
| Loan and lease loss provision to assets | 0.6726% | 182 |
| Net operating income to assets | 1.3610% | 1,094 |
| Return on assets (ROA) | 1.4295% | 964 |
| Pretax return on assets | 1.4295% | 1,886 |
| Return on Equity (ROE) | 11.0167% | 1,476 |
| Retained earnings to average equity (ytd only) | 0.1602% | 4,949 |
| Net charge-offs to loans | 0.3957% | 632 |
| Credit loss provision to net charge-offs | 240.1747% | 1,153 |
| Earnings coverage of net charge-offs (x) | 7.2620% | 3,065 |
| Efficiency ratio | 61.0265% | 4,110 |
| Assets per employee ($millions) | 2.4901% | 5,462 |
| Cash dividends to net income (ytd only)* | 98.5458% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 3,730 |
| Loan loss allowance to noncurrent loans | 330.3867% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 3,818 |
| Noncurrent loans to loans | 0.3122% | 3,665 |
| Net loans and leases to total assets | 72.0003% | 2,237 |
| Net loans and leases to deposits | 93.6013% | 1,315 |
| Net loans and leases to core deposits | 101.6585% | 1,575 |
| Total domestic deposits to total assets | 76.9223% | 4,857 |
| Equity capital to assets | 13.1295% | 1,204 |
| Core capital (leverage) ratio | 12.8211% | 1,212 |
| Tier 1 risk-based capital ratio | 17.1104% | 2,054 |
| Total risk-based capital ratio | 18.1129% | 2,086 |
| Memoranda: | ||
| Average total assets | $81,778,200 | 4,554 |
| Average earning assets | $75,228,800 | 4,556 |
| Average equity | $10,611,200 | 4,364 |
| Average total loans | $57,874,200 | 4,246 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3502% | 319 |
| Cost of funding earning assets | 0.3194% | 3,940 |
| Net interest margin | 5.0308% | 214 |
| Noninterest income to average assets | 0.3872% | 3,774 |
| Noninterest expense to average assets | 3.1023% | 1,794 |
| Loan and lease loss provision to assets | 0.2430% | 720 |
| Net operating income to assets | 1.6605% | 626 |
| Return on assets (ROA) | 1.7512% | 534 |
| Pretax return on assets | 1.7512% | 1,000 |
| Return on Equity (ROE) | 13.5352% | 923 |
| Retained earnings to average equity (ytd only) | 3.1177% | 4,057 |
| Net charge-offs to loans | -0.0553% | 5,192 |
| Credit loss provision to net charge-offs | -625.0000% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9741% | 3,887 |
| Assets per employee ($millions) | 2.7767% | 5,400 |
| Cash dividends to net income (ytd only)* | 76.9659% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7799% | 4,952 |
| Loan loss allowance to noncurrent loans | 39.1154% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.7982% | 771 |
| Noncurrent loans to loans | 1.9938% | 858 |
| Net loans and leases to total assets | 71.2561% | 2,369 |
| Net loans and leases to deposits | 92.8463% | 1,438 |
| Net loans and leases to core deposits | 100.3217% | 1,678 |
| Total domestic deposits to total assets | 76.7464% | 4,933 |
| Equity capital to assets | 13.4728% | 1,170 |
| Core capital (leverage) ratio | 12.9558% | 1,224 |
| Tier 1 risk-based capital ratio | 17.8969% | 1,881 |
| Total risk-based capital ratio | 18.6702% | 1,984 |
| Memoranda: | ||
| Average total assets | $82,302,000 | 4,592 |
| Average earning assets | $75,559,250 | 4,592 |
| Average equity | $10,648,500 | 4,397 |
| Average total loans | $57,850,250 | 4,288 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3106% | 324 |
| Cost of funding earning assets | 0.2895% | 4,191 |
| Net interest margin | 5.0212% | 209 |
| Noninterest income to average assets | 0.3957% | 3,721 |
| Noninterest expense to average assets | 3.0955% | 1,849 |
| Loan and lease loss provision to assets | 0.3619% | 390 |
| Net operating income to assets | 1.5417% | 800 |
| Return on assets (ROA) | 1.6286% | 678 |
| Pretax return on assets | 1.6286% | 1,256 |
| Return on Equity (ROE) | 12.7579% | 1,099 |
| Retained earnings to average equity (ytd only) | 1.8712% | 4,499 |
| Net charge-offs to loans | -0.0795% | 5,341 |
| Credit loss provision to net charge-offs | -652.1739% | 4,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9208% | 3,997 |
| Assets per employee ($millions) | 2.4808% | 5,563 |
| Cash dividends to net income (ytd only)* | 85.3333% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 5,015 |
| Loan loss allowance to noncurrent loans | 47.8723% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.5086% | 1,005 |
| Noncurrent loans to loans | 1.6107% | 1,147 |
| Net loans and leases to total assets | 70.7384% | 2,409 |
| Net loans and leases to deposits | 89.7913% | 1,755 |
| Net loans and leases to core deposits | 99.6130% | 1,677 |
| Total domestic deposits to total assets | 78.7809% | 4,667 |
| Equity capital to assets | 13.2267% | 1,264 |
| Core capital (leverage) ratio | 12.3965% | 1,420 |
| Tier 1 risk-based capital ratio | 16.2963% | 2,395 |
| Total risk-based capital ratio | 17.0091% | 2,534 |
| Memoranda: | ||
| Average total assets | $82,894,330 | 4,609 |
| Average earning assets | $75,998,330 | 4,612 |
| Average equity | $10,581,670 | 4,423 |
| Average total loans | $57,857,000 | 4,317 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3598% | 293 |
| Cost of funding earning assets | 0.2470% | 4,559 |
| Net interest margin | 5.1128% | 180 |
| Noninterest income to average assets | 0.4316% | 3,435 |
| Noninterest expense to average assets | 3.0449% | 2,032 |
| Loan and lease loss provision to assets | 0.6234% | 158 |
| Net operating income to assets | 1.4289% | 940 |
| Return on assets (ROA) | 1.4529% | 912 |
| Pretax return on assets | 1.4529% | 1,686 |
| Return on Equity (ROE) | 11.5776% | 1,380 |
| Retained earnings to average equity (ytd only) | 1.7959% | 4,398 |
| Net charge-offs to loans | 0.4097% | 446 |
| Credit loss provision to net charge-offs | 220.3390% | 953 |
| Earnings coverage of net charge-offs (x) | 7.2542% | 2,154 |
| Efficiency ratio | 59.7366% | 4,491 |
| Assets per employee ($millions) | 2.7234% | 5,526 |
| Cash dividends to net income (ytd only)* | 84.4884% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5871% | 5,500 |
| Loan loss allowance to noncurrent loans | 129.8507% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8434% | 2,192 |
| Noncurrent loans to loans | 0.4521% | 3,477 |
| Net loans and leases to total assets | 69.7977% | 2,423 |
| Net loans and leases to deposits | 86.5261% | 1,972 |
| Net loans and leases to core deposits | 94.1731% | 1,973 |
| Total domestic deposits to total assets | 80.6666% | 4,487 |
| Equity capital to assets | 12.5782% | 1,478 |
| Core capital (leverage) ratio | 11.8151% | 1,741 |
| Tier 1 risk-based capital ratio | 16.3350% | 2,418 |
| Total risk-based capital ratio | 16.9012% | 2,629 |
| Memoranda: | ||
| Average total assets | $83,419,000 | 4,649 |
| Average earning assets | $76,122,500 | 4,650 |
| Average equity | $10,468,500 | 4,470 |
| Average total loans | $57,605,500 | 4,364 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0906% | 510 |
| Cost of funding earning assets | 0.2548% | 4,524 |
| Net interest margin | 4.8358% | 325 |
| Noninterest income to average assets | 0.5908% | 2,708 |
| Noninterest expense to average assets | 2.8827% | 2,732 |
| Loan and lease loss provision to assets | 0.2638% | 772 |
| Net operating income to assets | 1.8945% | 380 |
| Return on assets (ROA) | 1.6565% | 629 |
| Pretax return on assets | 1.6565% | 1,116 |
| Return on Equity (ROE) | 12.9614% | 1,001 |
| Retained earnings to average equity (ytd only) | 8.4850% | 706 |
| Net charge-offs to loans | 0.2041% | 1,365 |
| Credit loss provision to net charge-offs | 193.9655% | 1,457 |
| Earnings coverage of net charge-offs (x) | 15.8707% | 2,162 |
| Efficiency ratio | 57.1860% | 4,934 |
| Assets per employee ($millions) | 2.5754% | 5,628 |
| Cash dividends to net income (ytd only)* | 34.5364% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4952% | 5,664 |
| Loan loss allowance to noncurrent loans | 139.8990% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 2,399 |
| Noncurrent loans to loans | 0.3540% | 3,866 |
| Net loans and leases to total assets | 67.5371% | 2,846 |
| Net loans and leases to deposits | 79.3375% | 2,959 |
| Net loans and leases to core deposits | 88.0014% | 2,676 |
| Total domestic deposits to total assets | 85.1263% | 2,991 |
| Equity capital to assets | 12.5197% | 1,515 |
| Core capital (leverage) ratio | 12.4208% | 1,376 |
| Tier 1 risk-based capital ratio | 17.9494% | 1,861 |
| Total risk-based capital ratio | 18.4374% | 2,049 |
| Memoranda: | ||
| Average total assets | $85,301,800 | 4,628 |
| Average earning assets | $78,497,600 | 4,616 |
| Average equity | $10,901,600 | 4,439 |
| Average total loans | $56,830,200 | 4,385 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1078% | 491 |
| Cost of funding earning assets | 0.2562% | 4,546 |
| Net interest margin | 4.8516% | 328 |
| Noninterest income to average assets | 0.5766% | 2,783 |
| Noninterest expense to average assets | 2.8844% | 2,687 |
| Loan and lease loss provision to assets | 0.2325% | 851 |
| Net operating income to assets | 1.9498% | 368 |
| Return on assets (ROA) | 1.8212% | 496 |
| Pretax return on assets | 1.8212% | 864 |
| Return on Equity (ROE) | 14.1809% | 786 |
| Retained earnings to average equity (ytd only) | 8.2913% | 1,049 |
| Net charge-offs to loans | 0.0608% | 2,484 |
| Credit loss provision to net charge-offs | 576.9231% | 634 |
| Earnings coverage of net charge-offs (x) | 54.1474% | 1,017 |
| Efficiency ratio | 56.9287% | 4,959 |
| Assets per employee ($millions) | 2.8439% | 5,511 |
| Cash dividends to net income (ytd only)* | 41.5318% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5264% | 5,708 |
| Loan loss allowance to noncurrent loans | 144.5545% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.0027% | 2,059 |
| Noncurrent loans to loans | 0.3641% | 3,953 |
| Net loans and leases to total assets | 66.9096% | 2,970 |
| Net loans and leases to deposits | 81.6921% | 2,769 |
| Net loans and leases to core deposits | 89.5145% | 2,619 |
| Total domestic deposits to total assets | 81.9046% | 3,961 |
| Equity capital to assets | 13.7401% | 1,147 |
| Core capital (leverage) ratio | 12.2710% | 1,498 |
| Tier 1 risk-based capital ratio | 18.7390% | 1,722 |
| Total risk-based capital ratio | 19.2616% | 1,883 |
| Memoranda: | ||
| Average total assets | $86,023,750 | 4,648 |
| Average earning assets | $79,615,000 | 4,630 |
| Average equity | $11,047,500 | 4,462 |
| Average total loans | $57,053,500 | 4,408 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1730% | 444 |
| Cost of funding earning assets | 0.2508% | 4,650 |
| Net interest margin | 4.9221% | 305 |
| Noninterest income to average assets | 0.5504% | 2,899 |
| Noninterest expense to average assets | 2.8988% | 2,677 |
| Loan and lease loss provision to assets | 0.1147% | 1,971 |
| Net operating income to assets | 2.0824% | 294 |
| Return on assets (ROA) | 1.8049% | 497 |
| Pretax return on assets | 1.8049% | 875 |
| Return on Equity (ROE) | 14.3709% | 775 |
| Retained earnings to average equity (ytd only) | 5.4599% | 2,446 |
| Net charge-offs to loans | 0.2188% | 1,069 |
| Credit loss provision to net charge-offs | 79.3651% | 2,374 |
| Earnings coverage of net charge-offs (x) | 15.2063% | 2,008 |
| Efficiency ratio | 56.8857% | 5,044 |
| Assets per employee ($millions) | 2.9495% | 5,479 |
| Cash dividends to net income (ytd only)* | 62.0076% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2725% | 5,948 |
| Loan loss allowance to noncurrent loans | 305.8824% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7903% | 2,617 |
| Noncurrent loans to loans | 0.0891% | 5,096 |
| Net loans and leases to total assets | 66.7368% | 2,974 |
| Net loans and leases to deposits | 82.6131% | 2,637 |
| Net loans and leases to core deposits | 91.0489% | 2,432 |
| Total domestic deposits to total assets | 80.7824% | 4,336 |
| Equity capital to assets | 13.0857% | 1,451 |
| Core capital (leverage) ratio | 12.1118% | 1,554 |
| Tier 1 risk-based capital ratio | 18.7934% | 1,741 |
| Total risk-based capital ratio | 19.0717% | 1,943 |
| Memoranda: | ||
| Average total assets | $87,207,000 | 4,670 |
| Average earning assets | $80,534,000 | 4,653 |
| Average equity | $10,952,670 | 4,501 |
| Average total loans | $57,579,670 | 4,419 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5333% | 243 |
| Cost of funding earning assets | 0.2361% | 4,848 |
| Net interest margin | 5.2972% | 151 |
| Noninterest income to average assets | 0.5316% | 2,924 |
| Noninterest expense to average assets | 2.7623% | 3,205 |
| Loan and lease loss provision to assets | 0.2272% | 817 |
| Net operating income to assets | 2.4352% | 173 |
| Return on assets (ROA) | 2.4397% | 179 |
| Pretax return on assets | 2.4397% | 262 |
| Return on Equity (ROE) | 19.8292% | 253 |
| Retained earnings to average equity (ytd only) | 10.8193% | 687 |
| Net charge-offs to loans | 0.2286% | 894 |
| Credit loss provision to net charge-offs | 151.5152% | 1,266 |
| Earnings coverage of net charge-offs (x) | 17.7576% | 1,560 |
| Efficiency ratio | 50.9213% | 5,570 |
| Assets per employee ($millions) | 2.8104% | 5,677 |
| Cash dividends to net income (ytd only)* | 45.4376% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3166% | 5,999 |
| Loan loss allowance to noncurrent loans | 57.8125% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.1547% | 1,900 |
| Noncurrent loans to loans | 0.5476% | 3,539 |
| Net loans and leases to total assets | 66.8595% | 2,833 |
| Net loans and leases to deposits | 81.4230% | 2,611 |
| Net loans and leases to core deposits | 89.4200% | 2,425 |
| Total domestic deposits to total assets | 82.1138% | 4,190 |
| Equity capital to assets | 12.7349% | 1,539 |
| Core capital (leverage) ratio | 12.4353% | 1,362 |
| Tier 1 risk-based capital ratio | 19.1167% | 1,706 |
| Total risk-based capital ratio | 19.4455% | 1,898 |
| Memoranda: | ||
| Average total assets | $88,042,500 | 4,694 |
| Average earning assets | $81,326,000 | 4,674 |
| Average equity | $10,832,500 | 4,537 |
| Average total loans | $57,749,500 | 4,450 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 1,868 |
| Cost of funding earning assets | 0.2586% | 4,702 |
| Net interest margin | 4.1507% | 1,278 |
| Noninterest income to average assets | 0.5380% | 3,086 |
| Noninterest expense to average assets | 2.7122% | 3,538 |
| Loan and lease loss provision to assets | 0.3638% | 396 |
| Net operating income to assets | 1.3021% | 1,265 |
| Return on assets (ROA) | 1.3263% | 1,253 |
| Pretax return on assets | 1.3263% | 2,174 |
| Return on Equity (ROE) | 11.1052% | 1,582 |
| Retained earnings to average equity (ytd only) | 1.7632% | 4,726 |
| Net charge-offs to loans | 0.7303% | 325 |
| Credit loss provision to net charge-offs | 76.3889% | 3,016 |
| Earnings coverage of net charge-offs (x) | 3.4977% | 3,719 |
| Efficiency ratio | 61.9491% | 4,610 |
| Assets per employee ($millions) | 2.6958% | 5,771 |
| Cash dividends to net income (ytd only)* | 84.1230% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2944% | 6,058 |
| Loan loss allowance to noncurrent loans | 111.2583% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.0488% | 2,088 |
| Noncurrent loans to loans | 0.2646% | 4,499 |
| Net loans and leases to total assets | 63.9554% | 3,293 |
| Net loans and leases to deposits | 76.1782% | 3,227 |
| Net loans and leases to core deposits | 85.3743% | 2,842 |
| Total domestic deposits to total assets | 83.9549% | 3,498 |
| Equity capital to assets | 11.8815% | 2,046 |
| Core capital (leverage) ratio | 12.0046% | 1,615 |
| Tier 1 risk-based capital ratio | 19.2758% | 1,635 |
| Total risk-based capital ratio | 19.5847% | 1,827 |
| Memoranda: | ||
| Average total assets | $90,702,400 | 4,653 |
| Average earning assets | $83,912,600 | 4,636 |
| Average equity | $10,832,800 | 4,514 |
| Average total loans | $59,157,200 | 4,397 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 1,893 |
| Cost of funding earning assets | 0.2658% | 4,713 |
| Net interest margin | 4.1456% | 1,288 |
| Noninterest income to average assets | 0.5311% | 3,160 |
| Noninterest expense to average assets | 2.6172% | 3,811 |
| Loan and lease loss provision to assets | 0.2999% | 490 |
| Net operating income to assets | 1.4469% | 1,014 |
| Return on assets (ROA) | 1.4791% | 989 |
| Pretax return on assets | 1.4791% | 1,738 |
| Return on Equity (ROE) | 12.3684% | 1,279 |
| Retained earnings to average equity (ytd only) | 2.9728% | 4,336 |
| Net charge-offs to loans | 0.6278% | 355 |
| Credit loss provision to net charge-offs | 72.9537% | 2,716 |
| Earnings coverage of net charge-offs (x) | 4.2491% | 3,380 |
| Efficiency ratio | 59.9732% | 4,895 |
| Assets per employee ($millions) | 2.9977% | 5,546 |
| Cash dividends to net income (ytd only)* | 75.9639% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3293% | 6,131 |
| Loan loss allowance to noncurrent loans | 328.8136% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 2,304 |
| Noncurrent loans to loans | 0.1001% | 5,232 |
| Net loans and leases to total assets | 67.5532% | 2,760 |
| Net loans and leases to deposits | 80.4984% | 2,817 |
| Net loans and leases to core deposits | 88.6310% | 2,593 |
| Total domestic deposits to total assets | 83.9186% | 3,460 |
| Equity capital to assets | 12.5119% | 1,737 |
| Core capital (leverage) ratio | 11.8297% | 1,792 |
| Tier 1 risk-based capital ratio | 15.7653% | 2,914 |
| Total risk-based capital ratio | 16.0553% | 3,332 |
| Memoranda: | ||
| Average total assets | $91,137,500 | 4,698 |
| Average earning assets | $84,264,250 | 4,685 |
| Average equity | $10,898,500 | 4,556 |
| Average total loans | $59,680,500 | 4,431 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 2,144 |
| Cost of funding earning assets | 0.2713% | 4,701 |
| Net interest margin | 4.0374% | 1,525 |
| Noninterest income to average assets | 0.5295% | 3,173 |
| Noninterest expense to average assets | 2.5287% | 4,144 |
| Loan and lease loss provision to assets | 0.1729% | 1,203 |
| Net operating income to assets | 1.5583% | 817 |
| Return on assets (ROA) | 1.6685% | 686 |
| Pretax return on assets | 1.6685% | 1,145 |
| Return on Equity (ROE) | 14.1578% | 872 |
| Retained earnings to average equity (ytd only) | 4.7682% | 3,012 |
| Net charge-offs to loans | 0.4105% | 631 |
| Credit loss provision to net charge-offs | 65.0407% | 2,539 |
| Earnings coverage of net charge-offs (x) | 6.5122% | 2,773 |
| Efficiency ratio | 59.3607% | 5,070 |
| Assets per employee ($millions) | 3.1002% | 5,468 |
| Cash dividends to net income (ytd only)* | 66.3212% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3744% | 6,174 |
| Loan loss allowance to noncurrent loans | 29.7120% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 1.6061% | 1,501 |
| Noncurrent loans to loans | 1.2600% | 2,144 |
| Net loans and leases to total assets | 67.1931% | 2,771 |
| Net loans and leases to deposits | 78.7060% | 2,937 |
| Net loans and leases to core deposits | 89.4459% | 2,398 |
| Total domestic deposits to total assets | 85.3723% | 2,981 |
| Equity capital to assets | 11.9582% | 2,063 |
| Core capital (leverage) ratio | 11.4630% | 2,021 |
| Tier 1 risk-based capital ratio | 15.4487% | 3,127 |
| Total risk-based capital ratio | 15.7807% | 3,547 |
| Memoranda: | ||
| Average total assets | $92,539,000 | 4,711 |
| Average earning assets | $85,499,670 | 4,694 |
| Average equity | $10,905,670 | 4,576 |
| Average total loans | $59,934,000 | 4,465 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 2,688 |
| Cost of funding earning assets | 0.2881% | 4,572 |
| Net interest margin | 3.8473% | 2,082 |
| Noninterest income to average assets | 0.4773% | 3,449 |
| Noninterest expense to average assets | 2.3696% | 4,685 |
| Loan and lease loss provision to assets | 0.3409% | 386 |
| Net operating income to assets | 1.2956% | 1,288 |
| Return on assets (ROA) | 1.4703% | 963 |
| Pretax return on assets | 1.4703% | 1,659 |
| Return on Equity (ROE) | 12.5649% | 1,200 |
| Retained earnings to average equity (ytd only) | 3.2414% | 4,045 |
| Net charge-offs to loans | 0.2954% | 808 |
| Credit loss provision to net charge-offs | 181.8182% | 1,115 |
| Earnings coverage of net charge-offs (x) | 8.7273% | 2,067 |
| Efficiency ratio | 59.1489% | 5,206 |
| Assets per employee ($millions) | 3.1928% | 5,425 |
| Cash dividends to net income (ytd only)* | 74.2029% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5178% | 6,155 |
| Loan loss allowance to noncurrent loans | 41.6894% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 1.5271% | 1,706 |
| Noncurrent loans to loans | 1.2422% | 2,303 |
| Net loans and leases to total assets | 63.4882% | 3,165 |
| Net loans and leases to deposits | 73.1393% | 3,408 |
| Net loans and leases to core deposits | 83.7894% | 2,796 |
| Total domestic deposits to total assets | 86.8045% | 2,487 |
| Equity capital to assets | 11.9719% | 2,046 |
| Core capital (leverage) ratio | 10.8473% | 2,575 |
| Tier 1 risk-based capital ratio | 19.8431% | 1,666 |
| Total risk-based capital ratio | 20.4273% | 1,780 |
| Memoranda: | ||
| Average total assets | $93,856,000 | 4,724 |
| Average earning assets | $86,087,000 | 4,715 |
| Average equity | $10,983,000 | 4,601 |
| Average total loans | $59,582,500 | 4,504 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2996% | 2,608 |
| Cost of funding earning assets | 0.3097% | 4,689 |
| Net interest margin | 3.9900% | 1,928 |
| Noninterest income to average assets | 0.5046% | 3,466 |
| Noninterest expense to average assets | 2.7872% | 3,530 |
| Loan and lease loss provision to assets | 0.1590% | 1,650 |
| Net operating income to assets | 1.2468% | 1,446 |
| Return on assets (ROA) | 1.2171% | 1,589 |
| Pretax return on assets | 1.2171% | 2,585 |
| Return on Equity (ROE) | 11.2954% | 1,620 |
| Retained earnings to average equity (ytd only) | 5.1262% | 2,510 |
| Net charge-offs to loans | 0.4875% | 851 |
| Credit loss provision to net charge-offs | 49.1803% | 3,501 |
| Earnings coverage of net charge-offs (x) | 4.3475% | 3,679 |
| Efficiency ratio | 66.4728% | 4,163 |
| Assets per employee ($millions) | 3.6585% | 4,608 |
| Cash dividends to net income (ytd only)* | 54.6167% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4494% | 6,298 |
| Loan loss allowance to noncurrent loans | 28.0957% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 2.3265% | 1,020 |
| Noncurrent loans to loans | 1.5997% | 1,827 |
| Net loans and leases to total assets | 62.8722% | 3,384 |
| Net loans and leases to deposits | 74.6980% | 3,351 |
| Net loans and leases to core deposits | 86.2338% | 2,660 |
| Total domestic deposits to total assets | 84.1684% | 3,644 |
| Equity capital to assets | 11.4392% | 2,483 |
| Core capital (leverage) ratio | 11.0351% | 2,374 |
| Tier 1 risk-based capital ratio | 18.3544% | 2,031 |
| Total risk-based capital ratio | 18.8354% | 2,252 |
| Memoranda: | ||
| Average total assets | $94,323,400 | 4,742 |
| Average earning assets | $87,194,000 | 4,713 |
| Average equity | $10,163,400 | 4,720 |
| Average total loans | $62,569,200 | 4,409 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 2,345 |
| Cost of funding earning assets | 0.3163% | 4,715 |
| Net interest margin | 4.0540% | 1,708 |
| Noninterest income to average assets | 0.5100% | 3,483 |
| Noninterest expense to average assets | 2.9152% | 3,070 |
| Loan and lease loss provision to assets | 0.0708% | 2,931 |
| Net operating income to assets | 1.2820% | 1,425 |
| Return on assets (ROA) | 1.2295% | 1,642 |
| Pretax return on assets | 1.2295% | 2,654 |
| Return on Equity (ROE) | 11.5915% | 1,596 |
| Retained earnings to average equity (ytd only) | 6.8642% | 1,898 |
| Net charge-offs to loans | 0.4410% | 892 |
| Credit loss provision to net charge-offs | 23.9234% | 3,537 |
| Earnings coverage of net charge-offs (x) | 4.5694% | 3,424 |
| Efficiency ratio | 68.3040% | 3,806 |
| Assets per employee ($millions) | 3.8039% | 4,281 |
| Cash dividends to net income (ytd only)* | 40.7837% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4249% | 6,391 |
| Loan loss allowance to noncurrent loans | 40.7351% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 1.4164% | 2,183 |
| Noncurrent loans to loans | 1.0431% | 2,989 |
| Net loans and leases to total assets | 65.5492% | 2,946 |
| Net loans and leases to deposits | 80.7231% | 2,584 |
| Net loans and leases to core deposits | 93.7144% | 1,898 |
| Total domestic deposits to total assets | 81.2025% | 4,767 |
| Equity capital to assets | 11.1474% | 2,817 |
| Core capital (leverage) ratio | 10.8265% | 2,670 |
| Tier 1 risk-based capital ratio | 18.4196% | 2,080 |
| Total risk-based capital ratio | 18.8955% | 2,301 |
| Memoranda: | ||
| Average total assets | $94,124,250 | 4,793 |
| Average earning assets | $87,252,750 | 4,764 |
| Average equity | $9,984,000 | 4,787 |
| Average total loans | $63,193,000 | 4,426 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 2,272 |
| Cost of funding earning assets | 0.3240% | 4,711 |
| Net interest margin | 4.0515% | 1,658 |
| Noninterest income to average assets | 0.4797% | 3,635 |
| Noninterest expense to average assets | 2.9766% | 2,913 |
| Loan and lease loss provision to assets | 0.1066% | 2,235 |
| Net operating income to assets | 1.1557% | 1,738 |
| Return on assets (ROA) | 1.1557% | 1,816 |
| Pretax return on assets | 1.1557% | 2,854 |
| Return on Equity (ROE) | 11.0857% | 1,717 |
| Retained earnings to average equity (ytd only) | 7.0360% | 1,752 |
| Net charge-offs to loans | 0.5932% | 680 |
| Credit loss provision to net charge-offs | 26.5957% | 3,103 |
| Earnings coverage of net charge-offs (x) | 3.1489% | 3,381 |
| Efficiency ratio | 70.2213% | 3,622 |
| Assets per employee ($millions) | 3.5505% | 4,757 |
| Cash dividends to net income (ytd only)* | 36.5314% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4603% | 6,454 |
| Loan loss allowance to noncurrent loans | 82.2350% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 2,900 |
| Noncurrent loans to loans | 0.5598% | 4,341 |
| Net loans and leases to total assets | 67.2307% | 2,542 |
| Net loans and leases to deposits | 77.7856% | 2,827 |
| Net loans and leases to core deposits | 90.4219% | 2,089 |
| Total domestic deposits to total assets | 86.4308% | 2,802 |
| Equity capital to assets | 11.1329% | 2,748 |
| Core capital (leverage) ratio | 10.7228% | 2,695 |
| Tier 1 risk-based capital ratio | 18.4107% | 2,098 |
| Total risk-based capital ratio | 18.9325% | 2,328 |
| Memoranda: | ||
| Average total assets | $93,799,670 | 4,828 |
| Average earning assets | $87,028,670 | 4,798 |
| Average equity | $9,778,330 | 4,851 |
| Average total loans | $63,390,000 | 4,444 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 2,429 |
| Cost of funding earning assets | 0.3344% | 4,699 |
| Net interest margin | 3.9898% | 1,805 |
| Noninterest income to average assets | 0.4696% | 3,632 |
| Noninterest expense to average assets | 2.6697% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4850% | 844 |
| Return on assets (ROA) | 1.4850% | 872 |
| Pretax return on assets | 1.4850% | 1,470 |
| Return on Equity (ROE) | 14.7340% | 818 |
| Retained earnings to average equity (ytd only) | 10.7881% | 788 |
| Net charge-offs to loans | 0.6572% | 562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.3429% | 2,699 |
| Efficiency ratio | 64.2566% | 4,820 |
| Assets per employee ($millions) | 3.8057% | 4,312 |
| Cash dividends to net income (ytd only)* | 26.7806% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5029% | 6,503 |
| Loan loss allowance to noncurrent loans | 47.8326% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 1.3748% | 2,572 |
| Noncurrent loans to loans | 1.0515% | 3,321 |
| Net loans and leases to total assets | 66.5374% | 2,477 |
| Net loans and leases to deposits | 78.0474% | 2,548 |
| Net loans and leases to core deposits | 92.3123% | 1,698 |
| Total domestic deposits to total assets | 85.2526% | 3,745 |
| Equity capital to assets | 10.2573% | 3,528 |
| Core capital (leverage) ratio | 10.5272% | 2,894 |
| Tier 1 risk-based capital ratio | 17.6326% | 2,440 |
| Total risk-based capital ratio | 18.1946% | 2,667 |
| Memoranda: | ||
| Average total assets | $94,543,500 | 4,857 |
| Average earning assets | $87,323,500 | 4,840 |
| Average equity | $9,529,000 | 4,929 |
| Average total loans | $63,910,500 | 4,462 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 3,358 |
| Cost of funding earning assets | 0.3988% | 4,669 |
| Net interest margin | 3.7980% | 2,668 |
| Noninterest income to average assets | 0.4451% | 4,121 |
| Noninterest expense to average assets | 2.7361% | 3,968 |
| Loan and lease loss provision to assets | 0.1072% | 3,006 |
| Net operating income to assets | 1.1312% | 1,829 |
| Return on assets (ROA) | 1.1088% | 1,977 |
| Pretax return on assets | 1.1088% | 2,919 |
| Return on Equity (ROE) | 11.1896% | 1,706 |
| Retained earnings to average equity (ytd only) | 2.1947% | 4,688 |
| Net charge-offs to loans | 0.2871% | 2,252 |
| Credit loss provision to net charge-offs | 57.3770% | 3,642 |
| Earnings coverage of net charge-offs (x) | 6.6284% | 3,017 |
| Efficiency ratio | 68.8415% | 4,044 |
| Assets per employee ($millions) | 3.2395% | 5,410 |
| Cash dividends to net income (ytd only)* | 80.3867% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6620% | 6,402 |
| Loan loss allowance to noncurrent loans | 42.7565% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 1.6084% | 2,308 |
| Noncurrent loans to loans | 1.5484% | 2,571 |
| Net loans and leases to total assets | 67.8812% | 2,377 |
| Net loans and leases to deposits | 79.4427% | 2,528 |
| Net loans and leases to core deposits | 93.7864% | 1,615 |
| Total domestic deposits to total assets | 85.4468% | 3,530 |
| Equity capital to assets | 9.8983% | 3,903 |
| Core capital (leverage) ratio | 10.0898% | 3,449 |
| Tier 1 risk-based capital ratio | 17.4212% | 2,445 |
| Total risk-based capital ratio | 18.1781% | 2,603 |
| Memoranda: | ||
| Average total assets | $97,948,000 | 4,796 |
| Average earning assets | $91,020,400 | 4,746 |
| Average equity | $9,705,400 | 4,919 |
| Average total loans | $63,739,200 | 4,492 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 3,847 |
| Cost of funding earning assets | 0.4139% | 4,687 |
| Net interest margin | 3.6631% | 3,181 |
| Noninterest income to average assets | 0.4460% | 4,185 |
| Noninterest expense to average assets | 2.6895% | 4,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1669% | 1,750 |
| Return on assets (ROA) | 1.1413% | 1,924 |
| Pretax return on assets | 1.1413% | 2,942 |
| Return on Equity (ROE) | 11.5153% | 1,649 |
| Retained earnings to average equity (ytd only) | 2.2704% | 4,962 |
| Net charge-offs to loans | 0.2619% | 2,241 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.9281% | 2,880 |
| Efficiency ratio | 69.7414% | 3,799 |
| Assets per employee ($millions) | 3.3609% | 5,157 |
| Cash dividends to net income (ytd only)* | 80.2827% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5821% | 6,585 |
| Loan loss allowance to noncurrent loans | 30.7317% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 1.7596% | 2,328 |
| Noncurrent loans to loans | 1.8941% | 2,377 |
| Net loans and leases to total assets | 66.2368% | 2,593 |
| Net loans and leases to deposits | 79.6907% | 2,451 |
| Net loans and leases to core deposits | 94.2660% | 1,545 |
| Total domestic deposits to total assets | 83.1174% | 4,534 |
| Equity capital to assets | 9.6227% | 4,388 |
| Core capital (leverage) ratio | 9.9750% | 3,710 |
| Tier 1 risk-based capital ratio | 16.8335% | 2,785 |
| Total risk-based capital ratio | 17.4871% | 3,030 |
| Memoranda: | ||
| Average total assets | $98,948,750 | 4,810 |
| Average earning assets | $92,124,000 | 4,766 |
| Average equity | $9,807,000 | 4,949 |
| Average total loans | $63,625,000 | 4,538 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 3,543 |
| Cost of funding earning assets | 0.4341% | 4,618 |
| Net interest margin | 3.7148% | 2,900 |
| Noninterest income to average assets | 0.5370% | 3,597 |
| Noninterest expense to average assets | 2.7453% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2510% | 1,453 |
| Return on assets (ROA) | 1.2128% | 1,663 |
| Pretax return on assets | 1.2128% | 2,610 |
| Return on Equity (ROE) | 12.1210% | 1,454 |
| Retained earnings to average equity (ytd only) | 5.3067% | 2,861 |
| Net charge-offs to loans | 0.2216% | 2,414 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.8857% | 2,354 |
| Efficiency ratio | 68.6965% | 4,060 |
| Assets per employee ($millions) | 3.0422% | 5,781 |
| Cash dividends to net income (ytd only)* | 56.2189% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6991% | 6,494 |
| Loan loss allowance to noncurrent loans | 85.4043% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.2902% | 3,188 |
| Noncurrent loans to loans | 0.8186% | 4,275 |
| Net loans and leases to total assets | 63.1778% | 3,065 |
| Net loans and leases to deposits | 76.3510% | 2,830 |
| Net loans and leases to core deposits | 92.0910% | 1,701 |
| Total domestic deposits to total assets | 82.7466% | 4,800 |
| Equity capital to assets | 9.8152% | 4,168 |
| Core capital (leverage) ratio | 9.9353% | 3,608 |
| Tier 1 risk-based capital ratio | 17.2787% | 2,601 |
| Total risk-based capital ratio | 18.0395% | 2,768 |
| Memoranda: | ||
| Average total assets | $99,442,670 | 4,833 |
| Average earning assets | $92,602,000 | 4,786 |
| Average equity | $9,949,670 | 4,957 |
| Average total loans | $63,187,670 | 4,569 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 3,779 |
| Cost of funding earning assets | 0.4488% | 4,606 |
| Net interest margin | 3.6378% | 3,118 |
| Noninterest income to average assets | 0.4976% | 3,786 |
| Noninterest expense to average assets | 3.0133% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8717% | 2,796 |
| Return on assets (ROA) | 0.8757% | 2,924 |
| Pretax return on assets | 0.8757% | 3,852 |
| Return on Equity (ROE) | 8.6725% | 2,640 |
| Retained earnings to average equity (ytd only) | 0.7884% | 5,521 |
| Net charge-offs to loans | 0.4137% | 1,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.3182% | 2,790 |
| Efficiency ratio | 77.5615% | 2,683 |
| Assets per employee ($millions) | 3.2850% | 5,469 |
| Cash dividends to net income (ytd only)* | 90.9091% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6899% | 6,614 |
| Loan loss allowance to noncurrent loans | 206.1321% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 1.0472% | 3,843 |
| Noncurrent loans to loans | 0.3347% | 5,567 |
| Net loans and leases to total assets | 63.8271% | 2,742 |
| Net loans and leases to deposits | 74.7629% | 2,803 |
| Net loans and leases to core deposits | 89.9382% | 1,703 |
| Total domestic deposits to total assets | 85.3728% | 3,861 |
| Equity capital to assets | 10.2497% | 3,858 |
| Core capital (leverage) ratio | 9.6088% | 3,905 |
| Tier 1 risk-based capital ratio | 16.4494% | 3,035 |
| Total risk-based capital ratio | 17.1990% | 3,262 |
| Memoranda: | ||
| Average total assets | $100,489,500 | 4,854 |
| Average earning assets | $93,573,000 | 4,809 |
| Average equity | $10,147,000 | 4,956 |
| Average total loans | $63,813,500 | 4,573 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 2,279 |
| Cost of funding earning assets | 0.5390% | 4,916 |
| Net interest margin | 4.2392% | 1,547 |
| Noninterest income to average assets | 0.4645% | 4,139 |
| Noninterest expense to average assets | 2.6365% | 4,615 |
| Loan and lease loss provision to assets | 0.3691% | 1,773 |
| Net operating income to assets | 1.4064% | 1,093 |
| Return on assets (ROA) | 1.8404% | 536 |
| Pretax return on assets | 1.8404% | 853 |
| Return on Equity (ROE) | 17.2991% | 510 |
| Retained earnings to average equity (ytd only) | -5.4580% | 6,458 |
| Net charge-offs to loans | 0.1824% | 3,918 |
| Credit loss provision to net charge-offs | 320.5128% | 760 |
| Earnings coverage of net charge-offs (x) | 15.4188% | 1,653 |
| Efficiency ratio | 59.7591% | 5,580 |
| Assets per employee ($millions) | 3.3042% | 5,412 |
| Cash dividends to net income (ytd only)* | 131.5508% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7824% | 6,521 |
| Loan loss allowance to noncurrent loans | 191.2548% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 4,000 |
| Noncurrent loans to loans | 0.4091% | 5,462 |
| Net loans and leases to total assets | 62.2728% | 3,210 |
| Net loans and leases to deposits | 73.6346% | 3,154 |
| Net loans and leases to core deposits | 88.2326% | 2,062 |
| Total domestic deposits to total assets | 84.5700% | 4,056 |
| Equity capital to assets | 9.9512% | 4,237 |
| Core capital (leverage) ratio | 9.4425% | 4,194 |
| Tier 1 risk-based capital ratio | 13.4573% | 4,783 |
| Total risk-based capital ratio | 14.1646% | 5,111 |
| Memoranda: | ||
| Average total assets | $101,610,400 | 4,787 |
| Average earning assets | $94,617,600 | 4,741 |
| Average equity | $10,809,800 | 4,796 |
| Average total loans | $64,153,400 | 4,569 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 2,342 |
| Cost of funding earning assets | 0.5631% | 4,975 |
| Net interest margin | 4.2510% | 1,593 |
| Noninterest income to average assets | 0.4076% | 4,576 |
| Noninterest expense to average assets | 2.7151% | 4,307 |
| Loan and lease loss provision to assets | 0.2301% | 2,751 |
| Net operating income to assets | 1.4226% | 1,176 |
| Return on assets (ROA) | 1.6961% | 763 |
| Pretax return on assets | 1.6961% | 1,278 |
| Return on Equity (ROE) | 15.6873% | 784 |
| Retained earnings to average equity (ytd only) | 3.2834% | 4,563 |
| Net charge-offs to loans | 0.1227% | 4,148 |
| Credit loss provision to net charge-offs | 296.6102% | 914 |
| Earnings coverage of net charge-offs (x) | 21.3064% | 1,413 |
| Efficiency ratio | 62.1613% | 5,129 |
| Assets per employee ($millions) | 3.1539% | 5,725 |
| Cash dividends to net income (ytd only)* | 79.0699% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5504% | 6,919 |
| Loan loss allowance to noncurrent loans | 57.9454% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 0.9819% | 4,321 |
| Noncurrent loans to loans | 0.9498% | 4,538 |
| Net loans and leases to total assets | 64.6348% | 2,901 |
| Net loans and leases to deposits | 78.1568% | 2,642 |
| Net loans and leases to core deposits | 95.0613% | 1,484 |
| Total domestic deposits to total assets | 82.6989% | 4,753 |
| Equity capital to assets | 11.1936% | 3,043 |
| Core capital (leverage) ratio | 10.3289% | 3,127 |
| Tier 1 risk-based capital ratio | 13.9477% | 4,569 |
| Total risk-based capital ratio | 14.4305% | 5,074 |
| Memoranda: | ||
| Average total assets | $101,405,500 | 4,844 |
| Average earning assets | $94,468,500 | 4,783 |
| Average equity | $10,964,000 | 4,814 |
| Average total loans | $64,119,500 | 4,620 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 2,551 |
| Cost of funding earning assets | 0.5947% | 4,944 |
| Net interest margin | 4.1945% | 1,768 |
| Noninterest income to average assets | 0.4056% | 4,608 |
| Noninterest expense to average assets | 2.7056% | 4,394 |
| Loan and lease loss provision to assets | 0.3446% | 1,910 |
| Net operating income to assets | 1.2721% | 1,511 |
| Return on assets (ROA) | 1.5694% | 990 |
| Pretax return on assets | 1.5694% | 1,641 |
| Return on Equity (ROE) | 14.6872% | 987 |
| Retained earnings to average equity (ytd only) | 2.1561% | 5,112 |
| Net charge-offs to loans | 0.2012% | 3,373 |
| Credit loss provision to net charge-offs | 273.4375% | 1,064 |
| Earnings coverage of net charge-offs (x) | 12.8281% | 1,843 |
| Efficiency ratio | 62.5968% | 5,146 |
| Assets per employee ($millions) | 3.1968% | 5,651 |
| Cash dividends to net income (ytd only)* | 85.3199% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5525% | 6,977 |
| Loan loss allowance to noncurrent loans | 73.2510% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8456% | 4,694 |
| Noncurrent loans to loans | 0.7543% | 5,001 |
| Net loans and leases to total assets | 62.6380% | 3,301 |
| Net loans and leases to deposits | 74.1978% | 3,260 |
| Net loans and leases to core deposits | 89.6923% | 2,015 |
| Total domestic deposits to total assets | 84.4202% | 4,129 |
| Equity capital to assets | 10.7782% | 3,365 |
| Core capital (leverage) ratio | 10.1529% | 3,200 |
| Tier 1 risk-based capital ratio | 14.0393% | 4,426 |
| Total risk-based capital ratio | 14.5259% | 4,949 |
| Memoranda: | ||
| Average total assets | $101,566,000 | 4,867 |
| Average earning assets | $94,838,330 | 4,794 |
| Average equity | $10,853,000 | 4,843 |
| Average total loans | $63,628,330 | 4,649 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7146% | 2,997 |
| Cost of funding earning assets | 0.6205% | 4,964 |
| Net interest margin | 4.0942% | 2,115 |
| Noninterest income to average assets | 0.4229% | 4,498 |
| Noninterest expense to average assets | 2.9052% | 3,601 |
| Loan and lease loss provision to assets | 0.3953% | 1,600 |
| Net operating income to assets | 0.9565% | 2,654 |
| Return on assets (ROA) | 0.9605% | 2,839 |
| Pretax return on assets | 0.9605% | 3,827 |
| Return on Equity (ROE) | 9.0280% | 2,814 |
| Retained earnings to average equity (ytd only) | -3.6038% | 6,453 |
| Net charge-offs to loans | -0.0190% | 6,167 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2451% | 4,123 |
| Assets per employee ($millions) | 3.2442% | 5,672 |
| Cash dividends to net income (ytd only)* | 139.9177% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5388% | 7,038 |
| Loan loss allowance to noncurrent loans | 54.4426% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 4,500 |
| Noncurrent loans to loans | 0.9897% | 4,693 |
| Net loans and leases to total assets | 61.8568% | 3,286 |
| Net loans and leases to deposits | 72.4518% | 3,362 |
| Net loans and leases to core deposits | 90.4163% | 1,809 |
| Total domestic deposits to total assets | 85.3765% | 3,849 |
| Equity capital to assets | 10.7596% | 3,195 |
| Core capital (leverage) ratio | 9.9603% | 3,407 |
| Tier 1 risk-based capital ratio | 14.2201% | 4,298 |
| Total risk-based capital ratio | 14.6964% | 4,860 |
| Memoranda: | ||
| Average total assets | $101,199,500 | 4,909 |
| Average earning assets | $94,769,000 | 4,825 |
| Average equity | $10,766,500 | 4,865 |
| Average total loans | $63,225,500 | 4,687 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1629% | 2,213 |
| Cost of funding earning assets | 0.8353% | 4,585 |
| Net interest margin | 4.3277% | 1,613 |
| Noninterest income to average assets | 0.5199% | 3,719 |
| Noninterest expense to average assets | 3.0707% | 3,305 |
| Loan and lease loss provision to assets | 0.1274% | 5,021 |
| Net operating income to assets | 1.3784% | 1,067 |
| Return on assets (ROA) | 1.7821% | 516 |
| Pretax return on assets | 1.7821% | 839 |
| Return on Equity (ROE) | 16.5565% | 528 |
| Retained earnings to average equity (ytd only) | 8.6003% | 901 |
| Net charge-offs to loans | 0.5143% | 2,933 |
| Credit loss provision to net charge-offs | 38.5802% | 5,656 |
| Earnings coverage of net charge-offs (x) | 4.5586% | 3,068 |
| Efficiency ratio | 67.0973% | 4,554 |
| Assets per employee ($millions) | 2.9949% | 6,094 |
| Cash dividends to net income (ytd only)* | 48.0549% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3834% | 7,176 |
| Loan loss allowance to noncurrent loans | 96.0784% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 5,386 |
| Noncurrent loans to loans | 0.3990% | 5,914 |
| Net loans and leases to total assets | 62.5162% | 3,504 |
| Net loans and leases to deposits | 75.5605% | 3,247 |
| Net loans and leases to core deposits | 90.3657% | 2,071 |
| Total domestic deposits to total assets | 82.7366% | 4,865 |
| Equity capital to assets | 10.5197% | 3,515 |
| Core capital (leverage) ratio | 10.3663% | 2,885 |
| Tier 1 risk-based capital ratio | 14.1305% | 4,234 |
| Total risk-based capital ratio | 14.4713% | 4,876 |
| Memoranda: | ||
| Average total assets | $98,086,800 | 4,947 |
| Average earning assets | $91,943,600 | 4,857 |
| Average equity | $10,557,800 | 4,893 |
| Average total loans | $63,003,200 | 4,752 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2580% | 1,998 |
| Cost of funding earning assets | 0.9000% | 4,395 |
| Net interest margin | 4.3580% | 1,536 |
| Noninterest income to average assets | 0.5421% | 3,570 |
| Noninterest expense to average assets | 3.1634% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4657% | 1,015 |
| Return on assets (ROA) | 1.7306% | 642 |
| Pretax return on assets | 1.7306% | 1,078 |
| Return on Equity (ROE) | 15.9830% | 689 |
| Retained earnings to average equity (ytd only) | 9.1386% | 1,095 |
| Net charge-offs to loans | 0.0573% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 39.5544% | 777 |
| Efficiency ratio | 68.3368% | 4,252 |
| Assets per employee ($millions) | 2.7944% | 6,496 |
| Cash dividends to net income (ytd only)* | 42.8231% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6505% | 7,025 |
| Loan loss allowance to noncurrent loans | 153.3088% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6769% | 5,445 |
| Noncurrent loans to loans | 0.4243% | 5,989 |
| Net loans and leases to total assets | 65.1183% | 3,081 |
| Net loans and leases to deposits | 77.7122% | 3,041 |
| Net loans and leases to core deposits | 86.7426% | 2,682 |
| Total domestic deposits to total assets | 83.7943% | 4,329 |
| Equity capital to assets | 11.2683% | 2,896 |
| Core capital (leverage) ratio | 10.1556% | 3,235 |
| Tier 1 risk-based capital ratio | 14.0591% | 4,313 |
| Total risk-based capital ratio | 14.6471% | 4,778 |
| Memoranda: | ||
| Average total assets | $97,151,500 | 5,006 |
| Average earning assets | $91,110,500 | 4,924 |
| Average equity | $10,519,250 | 4,917 |
| Average total loans | $62,778,000 | 4,801 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1984% | 2,261 |
| Cost of funding earning assets | 0.9752% | 4,120 |
| Net interest margin | 4.2231% | 1,945 |
| Noninterest income to average assets | 0.4807% | 4,020 |
| Noninterest expense to average assets | 3.0970% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3597% | 1,168 |
| Return on assets (ROA) | 1.3762% | 1,204 |
| Pretax return on assets | 1.3762% | 1,873 |
| Return on Equity (ROE) | 12.8864% | 1,226 |
| Retained earnings to average equity (ytd only) | 4.7720% | 3,143 |
| Net charge-offs to loans | -0.0225% | 6,851 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4907% | 4,207 |
| Assets per employee ($millions) | 2.9635% | 6,159 |
| Cash dividends to net income (ytd only)* | 62.9685% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7024% | 7,017 |
| Loan loss allowance to noncurrent loans | 99.7788% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8078% | 5,267 |
| Noncurrent loans to loans | 0.7040% | 5,500 |
| Net loans and leases to total assets | 65.1922% | 3,208 |
| Net loans and leases to deposits | 77.3832% | 3,238 |
| Net loans and leases to core deposits | 84.7245% | 3,112 |
| Total domestic deposits to total assets | 84.2459% | 4,235 |
| Equity capital to assets | 11.0740% | 2,882 |
| Core capital (leverage) ratio | 9.6747% | 3,696 |
| Tier 1 risk-based capital ratio | 13.3176% | 4,677 |
| Total risk-based capital ratio | 13.9501% | 5,150 |
| Memoranda: | ||
| Average total assets | $96,933,670 | 5,049 |
| Average earning assets | $91,259,330 | 4,956 |
| Average equity | $10,352,000 | 4,962 |
| Average total loans | $62,335,330 | 4,858 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0761% | 2,746 |
| Cost of funding earning assets | 1.0135% | 4,098 |
| Net interest margin | 4.0627% | 2,420 |
| Noninterest income to average assets | 0.5140% | 3,774 |
| Noninterest expense to average assets | 3.3036% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0155% | 2,131 |
| Return on assets (ROA) | 1.0487% | 2,056 |
| Pretax return on assets | 1.0487% | 2,952 |
| Return on Equity (ROE) | 10.0069% | 2,092 |
| Retained earnings to average equity (ytd only) | -1.8590% | 6,122 |
| Net charge-offs to loans | -0.0130% | 6,443 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4875% | 3,076 |
| Assets per employee ($millions) | 2.9393% | 6,257 |
| Cash dividends to net income (ytd only)* | 118.5771% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7189% | 7,053 |
| Loan loss allowance to noncurrent loans | 93.6975% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 5,200 |
| Noncurrent loans to loans | 0.7673% | 5,492 |
| Net loans and leases to total assets | 63.4958% | 3,545 |
| Net loans and leases to deposits | 75.7338% | 3,462 |
| Net loans and leases to core deposits | 83.5218% | 3,228 |
| Total domestic deposits to total assets | 83.8407% | 4,548 |
| Equity capital to assets | 10.4024% | 3,279 |
| Core capital (leverage) ratio | 9.3762% | 4,001 |
| Tier 1 risk-based capital ratio | 13.1300% | 4,725 |
| Total risk-based capital ratio | 13.7665% | 5,230 |
| Memoranda: | ||
| Average total assets | $96,502,000 | 5,094 |
| Average earning assets | $90,384,000 | 5,025 |
| Average equity | $10,113,000 | 5,020 |
| Average total loans | $61,399,500 | 4,936 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7149% | 1,516 |
| Cost of funding earning assets | 1.2704% | 4,077 |
| Net interest margin | 4.4446% | 1,368 |
| Noninterest income to average assets | 0.6178% | 3,358 |
| Noninterest expense to average assets | 3.5051% | 2,157 |
| Loan and lease loss provision to assets | 0.3482% | 4,039 |
| Net operating income to assets | 0.8683% | 2,520 |
| Return on assets (ROA) | 1.2600% | 1,337 |
| Pretax return on assets | 1.2600% | 2,043 |
| Return on Equity (ROE) | 10.7403% | 1,669 |
| Retained earnings to average equity (ytd only) | -4.6599% | 6,265 |
| Net charge-offs to loans | 0.2414% | 4,833 |
| Credit loss provision to net charge-offs | 244.7761% | 1,177 |
| Earnings coverage of net charge-offs (x) | 8.5522% | 1,957 |
| Efficiency ratio | 74.2356% | 3,348 |
| Assets per employee ($millions) | 2.9093% | 6,302 |
| Cash dividends to net income (ytd only)* | 143.3867% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7307% | 7,087 |
| Loan loss allowance to noncurrent loans | 155.7895% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 5,589 |
| Noncurrent loans to loans | 0.4690% | 6,105 |
| Net loans and leases to total assets | 62.8288% | 4,108 |
| Net loans and leases to deposits | 75.1932% | 3,983 |
| Net loans and leases to core deposits | 77.6849% | 4,493 |
| Total domestic deposits to total assets | 83.5564% | 4,576 |
| Equity capital to assets | 10.5576% | 3,096 |
| Core capital (leverage) ratio | 9.8493% | 3,262 |
| Tier 1 risk-based capital ratio | 13.3898% | 4,297 |
| Total risk-based capital ratio | 14.0326% | 4,753 |
| Memoranda: | ||
| Average total assets | $94,204,400 | 5,156 |
| Average earning assets | $86,982,800 | 5,119 |
| Average equity | $11,051,800 | 4,849 |
| Average total loans | $55,520,000 | 5,257 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7212% | 1,640 |
| Cost of funding earning assets | 1.3466% | 3,924 |
| Net interest margin | 4.3746% | 1,601 |
| Noninterest income to average assets | 0.8206% | 2,125 |
| Noninterest expense to average assets | 3.2880% | 2,611 |
| Loan and lease loss provision to assets | 0.1635% | 5,404 |
| Net operating income to assets | 1.4022% | 1,101 |
| Return on assets (ROA) | 1.5843% | 838 |
| Pretax return on assets | 1.5843% | 1,384 |
| Return on Equity (ROE) | 13.1667% | 1,215 |
| Retained earnings to average equity (ytd only) | 0.1418% | 5,718 |
| Net charge-offs to loans | 0.0049% | 6,599 |
| Credit loss provision to net charge-offs | 5,750.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 549.7978% | 54 |
| Efficiency ratio | 67.7410% | 4,519 |
| Assets per employee ($millions) | 2.8344% | 6,525 |
| Cash dividends to net income (ytd only)* | 98.9228% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6131% | 7,332 |
| Loan loss allowance to noncurrent loans | 110.6707% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.9088% | 5,289 |
| Noncurrent loans to loans | 0.5540% | 6,094 |
| Net loans and leases to total assets | 62.9133% | 4,344 |
| Net loans and leases to deposits | 77.1225% | 3,991 |
| Net loans and leases to core deposits | 83.3619% | 4,041 |
| Total domestic deposits to total assets | 81.5759% | 5,171 |
| Equity capital to assets | 12.1463% | 2,061 |
| Core capital (leverage) ratio | 10.4427% | 2,751 |
| Tier 1 risk-based capital ratio | 14.7877% | 3,347 |
| Total risk-based capital ratio | 15.3368% | 3,743 |
| Memoranda: | ||
| Average total assets | $93,753,750 | 5,224 |
| Average earning assets | $86,437,000 | 5,192 |
| Average equity | $11,280,750 | 4,861 |
| Average total loans | $54,209,000 | 5,377 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6719% | 1,864 |
| Cost of funding earning assets | 1.4750% | 3,403 |
| Net interest margin | 4.1969% | 2,165 |
| Noninterest income to average assets | 0.9635% | 1,473 |
| Noninterest expense to average assets | 3.2038% | 2,890 |
| Loan and lease loss provision to assets | 0.1386% | 5,510 |
| Net operating income to assets | 1.4665% | 966 |
| Return on assets (ROA) | 1.7436% | 588 |
| Pretax return on assets | 1.7436% | 973 |
| Return on Equity (ROE) | 14.5371% | 938 |
| Retained earnings to average equity (ytd only) | 1.1729% | 5,280 |
| Net charge-offs to loans | -0.1028% | 7,557 |
| Credit loss provision to net charge-offs | -240.7407% | 6,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6223% | 4,861 |
| Assets per employee ($millions) | 2.8136% | 6,546 |
| Cash dividends to net income (ytd only)* | 91.9315% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6282% | 7,372 |
| Loan loss allowance to noncurrent loans | 134.6457% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 5,412 |
| Noncurrent loans to loans | 0.4665% | 6,320 |
| Net loans and leases to total assets | 58.2699% | 5,373 |
| Net loans and leases to deposits | 71.4580% | 5,081 |
| Net loans and leases to core deposits | 72.4270% | 5,628 |
| Total domestic deposits to total assets | 81.5442% | 5,180 |
| Equity capital to assets | 12.4159% | 1,856 |
| Core capital (leverage) ratio | 10.1372% | 3,013 |
| Tier 1 risk-based capital ratio | 15.8139% | 2,754 |
| Total risk-based capital ratio | 16.3642% | 3,055 |
| Memoranda: | ||
| Average total assets | $93,826,670 | 5,255 |
| Average earning assets | $85,968,000 | 5,237 |
| Average equity | $11,254,000 | 4,866 |
| Average total loans | $52,542,330 | 5,487 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6247% | 2,053 |
| Cost of funding earning assets | 1.5217% | 3,414 |
| Net interest margin | 4.1030% | 2,421 |
| Noninterest income to average assets | 0.5556% | 3,605 |
| Noninterest expense to average assets | 3.3377% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9458% | 2,375 |
| Return on assets (ROA) | 1.4971% | 973 |
| Pretax return on assets | 1.4971% | 1,529 |
| Return on Equity (ROE) | 12.7013% | 1,324 |
| Retained earnings to average equity (ytd only) | -1.7631% | 6,173 |
| Net charge-offs to loans | -0.0233% | 7,114 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9208% | 2,913 |
| Assets per employee ($millions) | 2.8775% | 6,488 |
| Cash dividends to net income (ytd only)* | 113.8810% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4748% | 7,613 |
| Loan loss allowance to noncurrent loans | 71.0674% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.2068% | 4,759 |
| Noncurrent loans to loans | 0.6682% | 5,991 |
| Net loans and leases to total assets | 55.8420% | 5,768 |
| Net loans and leases to deposits | 68.5901% | 5,526 |
| Net loans and leases to core deposits | 74.9117% | 5,397 |
| Total domestic deposits to total assets | 81.4141% | 5,310 |
| Equity capital to assets | 11.6261% | 2,280 |
| Core capital (leverage) ratio | 10.3322% | 2,777 |
| Tier 1 risk-based capital ratio | 15.8829% | 2,695 |
| Total risk-based capital ratio | 16.2966% | 3,054 |
| Memoranda: | ||
| Average total assets | $94,315,500 | 5,305 |
| Average earning assets | $85,693,500 | 5,314 |
| Average equity | $11,117,000 | 4,945 |
| Average total loans | $51,591,000 | 5,606 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1609% | 1,344 |
| Cost of funding earning assets | 1.9286% | 3,311 |
| Net interest margin | 4.2323% | 1,968 |
| Noninterest income to average assets | 0.5317% | 4,164 |
| Noninterest expense to average assets | 3.2835% | 3,068 |
| Loan and lease loss provision to assets | 0.1465% | 6,191 |
| Net operating income to assets | 0.9712% | 1,937 |
| Return on assets (ROA) | 1.0797% | 1,618 |
| Pretax return on assets | 1.0797% | 2,308 |
| Return on Equity (ROE) | 9.1147% | 1,987 |
| Retained earnings to average equity (ytd only) | 1.2458% | 4,169 |
| Net charge-offs to loans | 0.0897% | 6,228 |
| Credit loss provision to net charge-offs | 329.2683% | 990 |
| Earnings coverage of net charge-offs (x) | 25.1220% | 886 |
| Efficiency ratio | 74.6055% | 3,777 |
| Assets per employee ($millions) | 3.0217% | 6,167 |
| Cash dividends to net income (ytd only)* | 86.3317% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5010% | 7,664 |
| Loan loss allowance to noncurrent loans | 76.6871% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 4,698 |
| Noncurrent loans to loans | 0.6533% | 5,927 |
| Net loans and leases to total assets | 53.0062% | 6,308 |
| Net loans and leases to deposits | 66.2583% | 6,016 |
| Net loans and leases to core deposits | 90.4935% | 5,067 |
| Total domestic deposits to total assets | 79.9994% | 5,671 |
| Equity capital to assets | 11.9502% | 2,062 |
| Core capital (leverage) ratio | 10.6146% | 2,493 |
| Tier 1 risk-based capital ratio | 16.8659% | 2,179 |
| Total risk-based capital ratio | 17.2978% | 2,429 |
| Memoranda: | ||
| Average total assets | $92,156,400 | 5,327 |
| Average earning assets | $84,257,200 | 5,325 |
| Average equity | $10,916,400 | 5,046 |
| Average total loans | $45,732,400 | 5,848 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1892% | 1,402 |
| Cost of funding earning assets | 1.9598% | 3,569 |
| Net interest margin | 4.2294% | 1,944 |
| Noninterest income to average assets | 0.4692% | 4,757 |
| Noninterest expense to average assets | 3.1786% | 3,369 |
| Loan and lease loss provision to assets | 0.1598% | 5,749 |
| Net operating income to assets | 0.9995% | 2,056 |
| Return on assets (ROA) | 1.0300% | 2,027 |
| Pretax return on assets | 1.0300% | 2,805 |
| Return on Equity (ROE) | 8.7149% | 2,369 |
| Retained earnings to average equity (ytd only) | 0.8482% | 4,827 |
| Net charge-offs to loans | 0.0865% | 5,820 |
| Credit loss provision to net charge-offs | 379.3103% | 1,060 |
| Earnings coverage of net charge-offs (x) | 27.5141% | 988 |
| Efficiency ratio | 73.2753% | 3,999 |
| Assets per employee ($millions) | 2.9465% | 6,287 |
| Cash dividends to net income (ytd only)* | 90.2677% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5003% | 7,714 |
| Loan loss allowance to noncurrent loans | 46.7456% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 1.4495% | 4,213 |
| Noncurrent loans to loans | 1.0704% | 5,172 |
| Net loans and leases to total assets | 51.5979% | 6,640 |
| Net loans and leases to deposits | 66.5171% | 6,257 |
| Net loans and leases to core deposits | 91.5448% | 5,276 |
| Total domestic deposits to total assets | 77.5709% | 6,200 |
| Equity capital to assets | 12.2979% | 2,064 |
| Core capital (leverage) ratio | 10.5707% | 2,739 |
| Tier 1 risk-based capital ratio | 17.4778% | 2,125 |
| Total risk-based capital ratio | 17.9050% | 2,323 |
| Memoranda: | ||
| Average total assets | $91,777,500 | 5,372 |
| Average earning assets | $83,950,250 | 5,377 |
| Average equity | $10,847,000 | 5,100 |
| Average total loans | $44,690,000 | 5,939 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2787% | 1,263 |
| Cost of funding earning assets | 2.0284% | 3,636 |
| Net interest margin | 4.2503% | 1,817 |
| Noninterest income to average assets | 0.4917% | 4,515 |
| Noninterest expense to average assets | 3.0134% | 4,030 |
| Loan and lease loss provision to assets | 0.2393% | 4,674 |
| Net operating income to assets | 1.1096% | 1,741 |
| Return on assets (ROA) | 1.0639% | 1,973 |
| Pretax return on assets | 1.0639% | 2,755 |
| Return on Equity (ROE) | 9.1246% | 2,317 |
| Retained earnings to average equity (ytd only) | 4.0118% | 3,054 |
| Net charge-offs to loans | 0.0685% | 5,550 |
| Credit loss provision to net charge-offs | 733.3333% | 646 |
| Earnings coverage of net charge-offs (x) | 41.3333% | 792 |
| Efficiency ratio | 69.0773% | 4,967 |
| Assets per employee ($millions) | 2.7823% | 6,672 |
| Cash dividends to net income (ytd only)* | 56.0327% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5473% | 7,727 |
| Loan loss allowance to noncurrent loans | 103.2922% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1719% | 4,600 |
| Noncurrent loans to loans | 0.5298% | 6,211 |
| Net loans and leases to total assets | 49.6771% | 6,904 |
| Net loans and leases to deposits | 64.0141% | 6,563 |
| Net loans and leases to core deposits | 83.4773% | 6,124 |
| Total domestic deposits to total assets | 77.6033% | 6,179 |
| Equity capital to assets | 11.8170% | 2,316 |
| Core capital (leverage) ratio | 10.6840% | 2,678 |
| Tier 1 risk-based capital ratio | 18.0891% | 1,990 |
| Total risk-based capital ratio | 18.5504% | 2,150 |
| Memoranda: | ||
| Average total assets | $91,923,000 | 5,410 |
| Average earning assets | $83,711,330 | 5,422 |
| Average equity | $10,718,330 | 5,157 |
| Average total loans | $43,797,670 | 6,030 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1312% | 1,830 |
| Cost of funding earning assets | 2.0469% | 3,893 |
| Net interest margin | 4.0843% | 2,338 |
| Noninterest income to average assets | 0.5697% | 3,762 |
| Noninterest expense to average assets | 3.2313% | 2,851 |
| Loan and lease loss provision to assets | 0.4349% | 2,753 |
| Net operating income to assets | 0.6176% | 3,952 |
| Return on assets (ROA) | 0.5349% | 4,467 |
| Pretax return on assets | 0.5349% | 4,962 |
| Return on Equity (ROE) | 4.6186% | 4,651 |
| Retained earnings to average equity (ytd only) | -1.0514% | 5,893 |
| Net charge-offs to loans | 0.2619% | 3,087 |
| Credit loss provision to net charge-offs | 357.1429% | 1,418 |
| Earnings coverage of net charge-offs (x) | 8.6429% | 2,159 |
| Efficiency ratio | 75.4315% | 3,576 |
| Assets per employee ($millions) | 2.6290% | 7,029 |
| Cash dividends to net income (ytd only)* | 122.7642% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5301% | 7,779 |
| Loan loss allowance to noncurrent loans | 65.7061% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.2987% | 4,082 |
| Noncurrent loans to loans | 0.8067% | 5,419 |
| Net loans and leases to total assets | 46.4994% | 7,156 |
| Net loans and leases to deposits | 60.6335% | 6,842 |
| Net loans and leases to core deposits | 77.6389% | 6,560 |
| Total domestic deposits to total assets | 76.6894% | 6,365 |
| Equity capital to assets | 11.6895% | 2,454 |
| Core capital (leverage) ratio | 10.4948% | 2,936 |
| Tier 1 risk-based capital ratio | 18.1632% | 2,013 |
| Total risk-based capital ratio | 18.5946% | 2,178 |
| Memoranda: | ||
| Average total assets | $91,976,000 | 5,423 |
| Average earning assets | $83,637,500 | 5,438 |
| Average equity | $10,652,500 | 5,199 |
| Average total loans | $42,765,000 | 6,102 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1325% | 854 |
| Cost of funding earning assets | 2.3272% | 5,024 |
| Net interest margin | 4.8053% | 778 |
| Noninterest income to average assets | 0.7498% | 2,782 |
| Noninterest expense to average assets | 3.4036% | 2,671 |
| Loan and lease loss provision to assets | 0.0916% | 6,227 |
| Net operating income to assets | 1.6096% | 821 |
| Return on assets (ROA) | 1.6096% | 782 |
| Pretax return on assets | 1.6096% | 1,356 |
| Return on Equity (ROE) | 13.0116% | 1,326 |
| Retained earnings to average equity (ytd only) | -2.7642% | 6,046 |
| Net charge-offs to loans | 0.6384% | 1,932 |
| Credit loss provision to net charge-offs | 28.8462% | 6,535 |
| Earnings coverage of net charge-offs (x) | 5.3577% | 3,673 |
| Efficiency ratio | 66.6746% | 4,981 |
| Assets per employee ($millions) | 2.7860% | 6,589 |
| Cash dividends to net income (ytd only)* | 121.2443% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3669% | 8,029 |
| Loan loss allowance to noncurrent loans | 36.5340% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 1.4608% | 3,299 |
| Noncurrent loans to loans | 1.0043% | 4,581 |
| Net loans and leases to total assets | 46.0745% | 7,324 |
| Net loans and leases to deposits | 61.6836% | 6,970 |
| Net loans and leases to core deposits | 78.5040% | 6,721 |
| Total domestic deposits to total assets | 74.6949% | 6,518 |
| Equity capital to assets | 11.4740% | 2,650 |
| Core capital (leverage) ratio | 11.5898% | 2,198 |
| Tier 1 risk-based capital ratio | 18.2445% | 1,975 |
| Total risk-based capital ratio | 18.5401% | 2,187 |
| Memoranda: | ||
| Average total assets | $81,884,000 | 5,633 |
| Average earning assets | $74,209,400 | 5,653 |
| Average equity | $10,129,400 | 5,366 |
| Average total loans | $40,729,800 | 6,137 |