Home > Bank of Minden > Performance and Condition Ratios
Bank of Minden, Performance and Condition Ratios
| 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 | 4.9695% | 1,567 |
| Cost of funding earning assets | 0.6777% | 3,288 |
| Net interest margin | 4.2918% | 1,161 |
| Noninterest income to average assets | 0.0305% | 5,203 |
| Noninterest expense to average assets | 2.3666% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5554% | 1,000 |
| Return on assets (ROA) | 1.5554% | 1,041 |
| Pretax return on assets | 1.4883% | 1,893 |
| Return on Equity (ROE) | 15.9858% | 592 |
| Retained earnings to average equity (ytd only) | -83.1889% | 5,293 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3924% | 3,527 |
| Assets per employee ($millions) | 2.8638% | 4,985 |
| Cash dividends to net income (ytd only)* | 620.3922% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 1,110 |
| Loan loss allowance to noncurrent loans | 3,790.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,612 |
| Noncurrent loans to loans | 0.0413% | 4,500 |
| Net loans and leases to total assets | 75.6873% | 1,597 |
| Net loans and leases to deposits | 83.8332% | 2,506 |
| Net loans and leases to core deposits | 89.4168% | 2,644 |
| Total domestic deposits to total assets | 90.2832% | 247 |
| Equity capital to assets | 8.9232% | 4,837 |
| Core capital (leverage) ratio | 8.1591% | 5,123 |
| Tier 1 risk-based capital ratio | 11.6760% | 4,591 |
| Total risk-based capital ratio | 12.9302% | 4,489 |
| Memoranda: | ||
| Average total assets | $32,789,670 | 5,115 |
| Average earning assets | $29,218,330 | 5,112 |
| Average equity | $3,190,330 | 5,179 |
| Average total loans | $23,014,670 | 4,918 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 2,272 |
| Cost of funding earning assets | 0.5667% | 3,754 |
| Net interest margin | 4.1190% | 1,500 |
| Noninterest income to average assets | -0.0718% | 5,333 |
| Noninterest expense to average assets | 2.6441% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9811% | 2,921 |
| Return on assets (ROA) | 0.9811% | 2,964 |
| Pretax return on assets | 0.8494% | 3,922 |
| Return on Equity (ROE) | 9.7041% | 2,489 |
| Retained earnings to average equity (ytd only) | -175.3846% | 5,357 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6849% | 1,532 |
| Assets per employee ($millions) | 2.9133% | 5,016 |
| Cash dividends to net income (ytd only)* | 1,907.3171% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 1,437 |
| Loan loss allowance to noncurrent loans | 3,790.0000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 4,707 |
| Noncurrent loans to loans | 0.0388% | 4,592 |
| Net loans and leases to total assets | 72.6545% | 2,050 |
| Net loans and leases to deposits | 78.7280% | 2,977 |
| Net loans and leases to core deposits | 83.2923% | 3,084 |
| Total domestic deposits to total assets | 92.2855% | 50 |
| Equity capital to assets | 7.5658% | 5,253 |
| Core capital (leverage) ratio | 7.7393% | 5,252 |
| Tier 1 risk-based capital ratio | 10.2634% | 5,232 |
| Total risk-based capital ratio | 11.5162% | 5,172 |
| Memoranda: | ||
| Average total assets | $33,433,500 | 5,153 |
| Average earning assets | $28,939,000 | 5,171 |
| Average equity | $3,380,000 | 5,211 |
| Average total loans | $22,411,000 | 4,983 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 2,112 |
| Cost of funding earning assets | 0.4894% | 3,425 |
| Net interest margin | 4.1202% | 1,619 |
| Noninterest income to average assets | 0.2079% | 4,676 |
| Noninterest expense to average assets | 2.7671% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7463% | 3,979 |
| Return on assets (ROA) | 0.7463% | 3,983 |
| Pretax return on assets | 0.9985% | 3,608 |
| Return on Equity (ROE) | 5.2950% | 4,386 |
| Retained earnings to average equity (ytd only) | 0.8704% | 4,751 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4842% | 1,704 |
| Assets per employee ($millions) | 2.4544% | 5,224 |
| Cash dividends to net income (ytd only)* | 83.5616% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9902% | 480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 58.4950% | 3,913 |
| Net loans and leases to deposits | 67.2819% | 4,024 |
| Net loans and leases to core deposits | 70.6916% | 4,084 |
| Total domestic deposits to total assets | 86.9402% | 1,804 |
| Equity capital to assets | 12.8969% | 1,394 |
| Core capital (leverage) ratio | 13.4318% | 1,093 |
| Tier 1 risk-based capital ratio | 21.5146% | 1,092 |
| Total risk-based capital ratio | 22.7758% | 1,072 |
| Memoranda: | ||
| Average total assets | $29,344,800 | 5,251 |
| Average earning assets | $25,338,600 | 5,257 |
| Average equity | $4,136,000 | 5,160 |
| Average total loans | $18,151,800 | 5,118 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 2,132 |
| Cost of funding earning assets | 0.4569% | 3,482 |
| Net interest margin | 4.0909% | 1,652 |
| Noninterest income to average assets | 0.1812% | 4,878 |
| Noninterest expense to average assets | 2.8009% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7153% | 4,174 |
| Return on assets (ROA) | 0.7153% | 4,186 |
| Pretax return on assets | 0.9569% | 3,857 |
| Return on Equity (ROE) | 4.9582% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.9582% | 3,260 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5365% | 1,518 |
| Assets per employee ($millions) | 2.1700% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 487 |
| 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 | 65.8809% | 3,194 |
| Net loans and leases to deposits | 77.6575% | 3,269 |
| Net loans and leases to core deposits | 82.2382% | 3,308 |
| Total domestic deposits to total assets | 84.8352% | 2,674 |
| Equity capital to assets | 14.9734% | 728 |
| Core capital (leverage) ratio | 14.5955% | 800 |
| Tier 1 risk-based capital ratio | 23.4706% | 895 |
| Total risk-based capital ratio | 24.7306% | 871 |
| Memoranda: | ||
| Average total assets | $28,704,250 | 5,328 |
| Average earning assets | $25,096,000 | 5,332 |
| Average equity | $4,141,250 | 5,224 |
| Average total loans | $17,929,000 | 5,182 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 2,267 |
| Cost of funding earning assets | 0.4512% | 3,348 |
| Net interest margin | 3.9965% | 1,876 |
| Noninterest income to average assets | 0.1940% | 4,855 |
| Noninterest expense to average assets | 2.8543% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5819% | 4,557 |
| Return on assets (ROA) | 0.5819% | 4,551 |
| Pretax return on assets | 0.7759% | 4,316 |
| Return on Equity (ROE) | 4.0839% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.0839% | 3,564 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6260% | 1,152 |
| Assets per employee ($millions) | 2.2310% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1248% | 423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 60.1938% | 3,787 |
| Net loans and leases to deposits | 70.3952% | 3,825 |
| Net loans and leases to core deposits | 71.9354% | 4,013 |
| Total domestic deposits to total assets | 85.5084% | 2,492 |
| Equity capital to assets | 14.3330% | 852 |
| Core capital (leverage) ratio | 14.4960% | 784 |
| Tier 1 risk-based capital ratio | 24.5777% | 782 |
| Total risk-based capital ratio | 25.8372% | 754 |
| Memoranda: | ||
| Average total assets | $28,869,000 | 5,388 |
| Average earning assets | $24,822,000 | 5,396 |
| Average equity | $4,113,670 | 5,285 |
| Average total loans | $17,584,000 | 5,252 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 2,321 |
| Cost of funding earning assets | 0.4393% | 3,294 |
| Net interest margin | 3.9208% | 1,960 |
| Noninterest income to average assets | 0.1944% | 4,853 |
| Noninterest expense to average assets | 2.9998% | 2,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4166% | 4,896 |
| Return on assets (ROA) | 0.4166% | 4,900 |
| Pretax return on assets | 0.5416% | 4,808 |
| Return on Equity (ROE) | 2.9326% | 5,031 |
| Retained earnings to average equity (ytd only) | 2.9326% | 4,027 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7059% | 742 |
| Assets per employee ($millions) | 2.2095% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2286% | 371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 57.8874% | 3,947 |
| Net loans and leases to deposits | 67.6527% | 3,972 |
| Net loans and leases to core deposits | 69.1438% | 4,135 |
| Total domestic deposits to total assets | 85.5656% | 2,722 |
| Equity capital to assets | 14.2847% | 823 |
| Core capital (leverage) ratio | 14.2783% | 812 |
| Tier 1 risk-based capital ratio | 25.6918% | 707 |
| Total risk-based capital ratio | 26.9571% | 690 |
| Memoranda: | ||
| Average total assets | $28,802,000 | 5,451 |
| Average earning assets | $24,587,000 | 5,457 |
| Average equity | $4,092,000 | 5,342 |
| Average total loans | $17,457,500 | 5,313 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 1,105 |
| Cost of funding earning assets | 0.4665% | 2,630 |
| Net interest margin | 4.2708% | 1,032 |
| Noninterest income to average assets | 0.2437% | 4,677 |
| Noninterest expense to average assets | 2.7926% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6163% | 3,944 |
| Return on assets (ROA) | 0.6163% | 3,985 |
| Pretax return on assets | 0.9576% | 3,707 |
| Return on Equity (ROE) | 4.3024% | 4,409 |
| Retained earnings to average equity (ytd only) | 0.6563% | 4,776 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4661% | 1,830 |
| Assets per employee ($millions) | 2.2216% | 5,535 |
| Cash dividends to net income (ytd only)* | 84.7458% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1163% | 434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 60.6973% | 3,768 |
| Net loans and leases to deposits | 70.8913% | 3,801 |
| Net loans and leases to core deposits | 72.4440% | 4,020 |
| Total domestic deposits to total assets | 85.6203% | 2,607 |
| Equity capital to assets | 14.1304% | 866 |
| Core capital (leverage) ratio | 14.2405% | 789 |
| Tier 1 risk-based capital ratio | 24.3760% | 784 |
| Total risk-based capital ratio | 25.6389% | 762 |
| Memoranda: | ||
| Average total assets | $28,718,400 | 5,508 |
| Average earning assets | $23,578,800 | 5,522 |
| Average equity | $4,114,000 | 5,407 |
| Average total loans | $18,242,000 | 5,351 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7677% | 991 |
| Cost of funding earning assets | 0.4750% | 2,481 |
| Net interest margin | 4.2926% | 941 |
| Noninterest income to average assets | 0.2278% | 4,848 |
| Noninterest expense to average assets | 2.7663% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5858% | 4,435 |
| Return on assets (ROA) | 0.5858% | 4,473 |
| Pretax return on assets | 0.9485% | 3,877 |
| Return on Equity (ROE) | 4.0754% | 4,831 |
| Retained earnings to average equity (ytd only) | 4.0754% | 3,495 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4681% | 1,820 |
| Assets per employee ($millions) | 2.1703% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1713% | 430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 60.5231% | 3,804 |
| Net loans and leases to deposits | 71.3551% | 3,842 |
| Net loans and leases to core deposits | 72.9681% | 4,063 |
| Total domestic deposits to total assets | 84.8196% | 2,793 |
| Equity capital to assets | 14.8579% | 760 |
| Core capital (leverage) ratio | 14.6970% | 723 |
| Tier 1 risk-based capital ratio | 25.8528% | 689 |
| Total risk-based capital ratio | 27.1174% | 678 |
| Memoranda: | ||
| Average total assets | $28,677,750 | 5,568 |
| Average earning assets | $23,295,250 | 5,590 |
| Average equity | $4,122,250 | 5,467 |
| Average total loans | $18,325,250 | 5,404 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8158% | 838 |
| Cost of funding earning assets | 0.4824% | 2,310 |
| Net interest margin | 4.3333% | 793 |
| Noninterest income to average assets | 0.2220% | 4,919 |
| Noninterest expense to average assets | 2.8093% | 2,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5619% | 4,464 |
| Return on assets (ROA) | 0.5619% | 4,513 |
| Pretax return on assets | 0.9018% | 3,926 |
| Return on Equity (ROE) | 3.9522% | 4,841 |
| Retained earnings to average equity (ytd only) | 3.9522% | 3,349 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7009% | 1,773 |
| Assets per employee ($millions) | 2.2254% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1224% | 490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 60.4148% | 3,807 |
| Net loans and leases to deposits | 70.7525% | 3,853 |
| Net loans and leases to core deposits | 72.3008% | 4,072 |
| Total domestic deposits to total assets | 85.3889% | 2,655 |
| Equity capital to assets | 14.3311% | 871 |
| Core capital (leverage) ratio | 14.3262% | 777 |
| Tier 1 risk-based capital ratio | 24.8934% | 761 |
| Total risk-based capital ratio | 26.1543% | 744 |
| Memoranda: | ||
| Average total assets | $28,832,330 | 5,610 |
| Average earning assets | $23,215,330 | 5,637 |
| Average equity | $4,099,000 | 5,512 |
| Average total loans | $18,615,330 | 5,446 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8501% | 682 |
| Cost of funding earning assets | 0.5005% | 2,081 |
| Net interest margin | 4.3495% | 707 |
| Noninterest income to average assets | 0.2223% | 4,942 |
| Noninterest expense to average assets | 2.9322% | 2,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4864% | 4,649 |
| Return on assets (ROA) | 0.4864% | 4,675 |
| Pretax return on assets | 0.7921% | 4,132 |
| Return on Equity (ROE) | 3.4352% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.4352% | 3,722 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7313% | 1,526 |
| Assets per employee ($millions) | 2.2559% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0228% | 647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 62.5942% | 3,452 |
| Net loans and leases to deposits | 72.9988% | 3,514 |
| Net loans and leases to core deposits | 74.5644% | 3,782 |
| Total domestic deposits to total assets | 85.7469% | 2,776 |
| Equity capital to assets | 13.9632% | 913 |
| Core capital (leverage) ratio | 13.9504% | 859 |
| Tier 1 risk-based capital ratio | 23.3237% | 937 |
| Total risk-based capital ratio | 24.5862% | 922 |
| Memoranda: | ||
| Average total assets | $28,783,500 | 5,679 |
| Average earning assets | $23,175,000 | 5,703 |
| Average equity | $4,075,500 | 5,571 |
| Average total loans | $18,994,500 | 5,497 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 813 |
| Cost of funding earning assets | 0.5360% | 1,819 |
| Net interest margin | 4.3051% | 924 |
| Noninterest income to average assets | 0.3479% | 4,246 |
| Noninterest expense to average assets | 2.7234% | 3,268 |
| Loan and lease loss provision to assets | 0.0035% | 4,285 |
| Net operating income to assets | 0.7299% | 3,640 |
| Return on assets (ROA) | 0.7344% | 3,735 |
| Pretax return on assets | 1.1842% | 2,745 |
| Return on Equity (ROE) | 5.0906% | 4,387 |
| Retained earnings to average equity (ytd only) | 0.7307% | 5,034 |
| Net charge-offs to loans | -0.0427% | 5,351 |
| Credit loss provision to net charge-offs | -12.5000% | 4,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7570% | 2,945 |
| Assets per employee ($millions) | 2.1723% | 5,763 |
| Cash dividends to net income (ytd only)* | 85.6459% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9685% | 697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 66.8343% | 2,954 |
| Net loans and leases to deposits | 78.2245% | 3,077 |
| Net loans and leases to core deposits | 79.9746% | 3,399 |
| Total domestic deposits to total assets | 85.4391% | 2,863 |
| Equity capital to assets | 14.3626% | 776 |
| Core capital (leverage) ratio | 13.8369% | 861 |
| Tier 1 risk-based capital ratio | 22.4412% | 1,024 |
| Total risk-based capital ratio | 23.6999% | 1,005 |
| Memoranda: | ||
| Average total assets | $28,457,000 | 5,734 |
| Average earning assets | $23,506,800 | 5,752 |
| Average equity | $4,105,600 | 5,626 |
| Average total loans | $18,715,800 | 5,554 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8604% | 791 |
| Cost of funding earning assets | 0.5476% | 1,723 |
| Net interest margin | 4.3128% | 904 |
| Noninterest income to average assets | 0.3320% | 4,417 |
| Noninterest expense to average assets | 2.6702% | 3,429 |
| Loan and lease loss provision to assets | 0.0047% | 4,137 |
| Net operating income to assets | 0.7623% | 3,546 |
| Return on assets (ROA) | 0.7623% | 3,681 |
| Pretax return on assets | 1.2299% | 2,706 |
| Return on Equity (ROE) | 5.2776% | 4,399 |
| Retained earnings to average equity (ytd only) | 5.2776% | 2,646 |
| Net charge-offs to loans | -0.0502% | 5,368 |
| Credit loss provision to net charge-offs | -14.2857% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3832% | 3,159 |
| Assets per employee ($millions) | 2.2482% | 5,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0459% | 667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 5,352 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 61.9243% | 3,644 |
| Net loans and leases to deposits | 72.5342% | 3,751 |
| Net loans and leases to core deposits | 74.1023% | 3,991 |
| Total domestic deposits to total assets | 85.3726% | 2,650 |
| Equity capital to assets | 14.3845% | 907 |
| Core capital (leverage) ratio | 14.4341% | 734 |
| Tier 1 risk-based capital ratio | 23.8033% | 920 |
| Total risk-based capital ratio | 25.0624% | 901 |
| Memoranda: | ||
| Average total assets | $28,511,250 | 5,794 |
| Average earning assets | $23,619,000 | 5,811 |
| Average equity | $4,118,000 | 5,685 |
| Average total loans | $18,581,500 | 5,611 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8277% | 835 |
| Cost of funding earning assets | 0.5467% | 1,722 |
| Net interest margin | 4.2810% | 962 |
| Noninterest income to average assets | 0.3608% | 4,184 |
| Noninterest expense to average assets | 2.7517% | 3,189 |
| Loan and lease loss provision to assets | 0.0071% | 3,927 |
| Net operating income to assets | 0.7473% | 3,560 |
| Return on assets (ROA) | 0.7428% | 3,741 |
| Pretax return on assets | 1.1955% | 2,795 |
| Return on Equity (ROE) | 5.1353% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.1353% | 2,638 |
| Net charge-offs to loans | -0.0215% | 4,975 |
| Credit loss provision to net charge-offs | -50.0000% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4643% | 3,061 |
| Assets per employee ($millions) | 2.2014% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9752% | 777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 5,445 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 64.6831% | 3,266 |
| Net loans and leases to deposits | 75.8368% | 3,402 |
| Net loans and leases to core deposits | 77.5135% | 3,684 |
| Total domestic deposits to total assets | 85.2925% | 2,739 |
| Equity capital to assets | 14.5014% | 868 |
| Core capital (leverage) ratio | 14.3223% | 742 |
| Tier 1 risk-based capital ratio | 23.2951% | 980 |
| Total risk-based capital ratio | 24.5555% | 961 |
| Memoranda: | ||
| Average total assets | $28,273,000 | 5,875 |
| Average earning assets | $23,779,330 | 5,882 |
| Average equity | $4,089,330 | 5,752 |
| Average total loans | $18,616,670 | 5,676 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7761% | 896 |
| Cost of funding earning assets | 0.5307% | 1,863 |
| Net interest margin | 4.2454% | 1,006 |
| Noninterest income to average assets | 0.2705% | 4,801 |
| Noninterest expense to average assets | 2.7188% | 3,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7971% | 3,266 |
| Return on assets (ROA) | 0.7971% | 3,375 |
| Pretax return on assets | 1.1957% | 2,717 |
| Return on Equity (ROE) | 5.5186% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.5186% | 2,632 |
| Net charge-offs to loans | 0.0216% | 2,497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 611 |
| Efficiency ratio | 69.4545% | 3,222 |
| Assets per employee ($millions) | 2.1828% | 5,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9691% | 863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 5,404 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 64.7390% | 3,145 |
| Net loans and leases to deposits | 75.8505% | 3,233 |
| Net loans and leases to core deposits | 77.5377% | 3,541 |
| Total domestic deposits to total assets | 85.3508% | 2,982 |
| Equity capital to assets | 14.4237% | 853 |
| Core capital (leverage) ratio | 14.1950% | 764 |
| Tier 1 risk-based capital ratio | 23.0155% | 1,011 |
| Total risk-based capital ratio | 24.2757% | 993 |
| Memoranda: | ||
| Average total assets | $28,100,500 | 5,939 |
| Average earning assets | $24,120,000 | 5,938 |
| Average equity | $4,059,000 | 5,805 |
| Average total loans | $18,483,000 | 5,734 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5503% | 1,457 |
| Cost of funding earning assets | 0.5499% | 1,756 |
| Net interest margin | 4.0003% | 1,714 |
| Noninterest income to average assets | 0.3112% | 4,666 |
| Noninterest expense to average assets | 2.7794% | 3,317 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6416% | 4,073 |
| Return on assets (ROA) | 0.6506% | 4,131 |
| Pretax return on assets | 1.0184% | 3,389 |
| Return on Equity (ROE) | 4.5336% | 4,725 |
| Retained earnings to average equity (ytd only) | 0.5913% | 5,281 |
| Net charge-offs to loans | -0.0290% | 5,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4579% | 2,663 |
| Assets per employee ($millions) | 2.1403% | 6,017 |
| Cash dividends to net income (ytd only)* | 86.9565% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0301% | 764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 5,453 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 64.1748% | 3,247 |
| Net loans and leases to deposits | 75.2497% | 3,349 |
| Net loans and leases to core deposits | 76.9589% | 3,668 |
| Total domestic deposits to total assets | 85.2825% | 2,960 |
| Equity capital to assets | 14.4659% | 777 |
| Core capital (leverage) ratio | 14.1494% | 785 |
| Tier 1 risk-based capital ratio | 23.1706% | 996 |
| Total risk-based capital ratio | 24.4342% | 980 |
| Memoranda: | ||
| Average total assets | $28,279,800 | 5,986 |
| Average earning assets | $24,548,000 | 5,989 |
| Average equity | $4,058,600 | 5,840 |
| Average total loans | $17,217,400 | 5,821 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 1,664 |
| Cost of funding earning assets | 0.5531% | 1,777 |
| Net interest margin | 3.9258% | 1,948 |
| Noninterest income to average assets | 0.2864% | 4,902 |
| Noninterest expense to average assets | 2.7705% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5844% | 4,458 |
| Return on assets (ROA) | 0.5964% | 4,503 |
| Pretax return on assets | 0.9345% | 3,873 |
| Return on Equity (ROE) | 4.1635% | 4,970 |
| Retained earnings to average equity (ytd only) | 4.1635% | 3,501 |
| Net charge-offs to loans | -0.0314% | 5,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1592% | 2,378 |
| Assets per employee ($millions) | 2.2816% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0360% | 867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 5,431 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 59.8597% | 3,898 |
| Net loans and leases to deposits | 69.7615% | 4,013 |
| Net loans and leases to core deposits | 71.2337% | 4,254 |
| Total domestic deposits to total assets | 85.8063% | 2,636 |
| Equity capital to assets | 13.9544% | 1,040 |
| Core capital (leverage) ratio | 14.2981% | 789 |
| Tier 1 risk-based capital ratio | 23.8405% | 960 |
| Total risk-based capital ratio | 25.1023% | 948 |
| Memoranda: | ||
| Average total assets | $28,393,750 | 6,068 |
| Average earning assets | $24,589,000 | 6,071 |
| Average equity | $4,067,000 | 5,920 |
| Average total loans | $16,965,250 | 5,902 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3842% | 1,905 |
| Cost of funding earning assets | 0.5460% | 1,855 |
| Net interest margin | 3.8382% | 2,180 |
| Noninterest income to average assets | 0.2860% | 4,916 |
| Noninterest expense to average assets | 2.7814% | 3,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5609% | 4,517 |
| Return on assets (ROA) | 0.5792% | 4,532 |
| Pretax return on assets | 0.9009% | 3,950 |
| Return on Equity (ROE) | 4.0069% | 5,016 |
| Retained earnings to average equity (ytd only) | 4.0069% | 3,468 |
| Net charge-offs to loans | -0.0362% | 5,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1252% | 2,331 |
| Assets per employee ($millions) | 2.2138% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1193% | 831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 5,536 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 59.0570% | 3,966 |
| Net loans and leases to deposits | 68.9493% | 4,038 |
| Net loans and leases to core deposits | 70.4527% | 4,284 |
| Total domestic deposits to total assets | 85.6527% | 2,854 |
| Equity capital to assets | 14.1770% | 923 |
| Core capital (leverage) ratio | 14.0060% | 837 |
| Tier 1 risk-based capital ratio | 24.0904% | 948 |
| Total risk-based capital ratio | 25.3503% | 936 |
| Memoranda: | ||
| Average total assets | $27,971,330 | 6,144 |
| Average earning assets | $24,542,670 | 6,140 |
| Average equity | $4,043,000 | 5,986 |
| Average total loans | $16,579,000 | 5,983 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 2,069 |
| Cost of funding earning assets | 0.5385% | 1,937 |
| Net interest margin | 3.7698% | 2,354 |
| Noninterest income to average assets | 0.2757% | 4,970 |
| Noninterest expense to average assets | 2.9310% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4643% | 4,814 |
| Return on assets (ROA) | 0.4643% | 4,930 |
| Pretax return on assets | 0.6965% | 4,606 |
| Return on Equity (ROE) | 3.1805% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.1805% | 4,076 |
| Net charge-offs to loans | -0.0247% | 5,146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8000% | 1,785 |
| Assets per employee ($millions) | 2.1722% | 6,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2540% | 746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 5,601 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 56.2060% | 4,179 |
| Net loans and leases to deposits | 65.7362% | 4,178 |
| Net loans and leases to core deposits | 67.2001% | 4,409 |
| Total domestic deposits to total assets | 85.5023% | 3,176 |
| Equity capital to assets | 14.3206% | 881 |
| Core capital (leverage) ratio | 14.0989% | 794 |
| Tier 1 risk-based capital ratio | 25.3527% | 848 |
| Total risk-based capital ratio | 26.6132% | 831 |
| Memoranda: | ||
| Average total assets | $27,567,500 | 6,216 |
| Average earning assets | $24,510,500 | 6,202 |
| Average equity | $4,024,500 | 6,047 |
| Average total loans | $16,186,500 | 6,046 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3189% | 2,534 |
| Cost of funding earning assets | 0.5621% | 2,126 |
| Net interest margin | 3.7568% | 2,787 |
| Noninterest income to average assets | 0.3208% | 4,825 |
| Noninterest expense to average assets | 2.8418% | 3,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5205% | 4,725 |
| Return on assets (ROA) | 0.5230% | 4,805 |
| Pretax return on assets | 0.7218% | 4,549 |
| Return on Equity (ROE) | 3.7523% | 5,214 |
| Retained earnings to average equity (ytd only) | 0.7505% | 5,431 |
| Net charge-offs to loans | -0.0950% | 6,100 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8237% | 1,959 |
| Assets per employee ($millions) | 1.9211% | 6,383 |
| Cash dividends to net income (ytd only)* | 80.0000% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2622% | 759 |
| Loan loss allowance to noncurrent loans | 2,281.2500% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 5,434 |
| Noncurrent loans to loans | 0.0992% | 5,500 |
| Net loans and leases to total assets | 58.6333% | 3,978 |
| Net loans and leases to deposits | 69.1060% | 4,020 |
| Net loans and leases to core deposits | 70.7333% | 4,247 |
| Total domestic deposits to total assets | 84.8453% | 3,349 |
| Equity capital to assets | 14.8907% | 721 |
| Core capital (leverage) ratio | 13.8070% | 864 |
| Tier 1 risk-based capital ratio | 23.0253% | 1,081 |
| Total risk-based capital ratio | 24.2864% | 1,056 |
| Memoranda: | ||
| Average total assets | $28,679,200 | 6,275 |
| Average earning assets | $24,728,800 | 6,282 |
| Average equity | $3,997,600 | 6,091 |
| Average total loans | $15,794,000 | 6,137 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2799% | 2,712 |
| Cost of funding earning assets | 0.5681% | 2,121 |
| Net interest margin | 3.7117% | 2,976 |
| Noninterest income to average assets | 0.2884% | 5,136 |
| Noninterest expense to average assets | 2.7879% | 3,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5318% | 4,752 |
| Return on assets (ROA) | 0.5356% | 4,808 |
| Pretax return on assets | 0.6455% | 4,893 |
| Return on Equity (ROE) | 3.9041% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.9041% | 3,875 |
| Net charge-offs to loans | -0.1189% | 6,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3084% | 1,708 |
| Assets per employee ($millions) | 2.1034% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3885% | 749 |
| Loan loss allowance to noncurrent loans | 3,309.0909% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 6,019 |
| Noncurrent loans to loans | 0.0722% | 5,735 |
| Net loans and leases to total assets | 50.5179% | 4,947 |
| Net loans and leases to deposits | 58.7845% | 5,034 |
| Net loans and leases to core deposits | 60.0299% | 5,185 |
| Total domestic deposits to total assets | 85.9374% | 2,874 |
| Equity capital to assets | 13.8860% | 1,046 |
| Core capital (leverage) ratio | 14.1532% | 804 |
| Tier 1 risk-based capital ratio | 24.5749% | 924 |
| Total risk-based capital ratio | 25.8383% | 909 |
| Memoranda: | ||
| Average total assets | $29,125,000 | 6,340 |
| Average earning assets | $24,641,750 | 6,357 |
| Average equity | $3,995,750 | 6,160 |
| Average total loans | $15,708,750 | 6,207 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 2,823 |
| Cost of funding earning assets | 0.5626% | 2,239 |
| Net interest margin | 3.6728% | 3,056 |
| Noninterest income to average assets | 0.2895% | 5,102 |
| Noninterest expense to average assets | 2.7914% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5524% | 4,590 |
| Return on assets (ROA) | 0.5583% | 4,657 |
| Pretax return on assets | 0.6548% | 4,773 |
| Return on Equity (ROE) | 4.0861% | 5,107 |
| Retained earnings to average equity (ytd only) | 4.0861% | 3,573 |
| Net charge-offs to loans | -0.1639% | 6,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1623% | 1,858 |
| Assets per employee ($millions) | 2.0643% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1374% | 1,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 57.5087% | 4,051 |
| Net loans and leases to deposits | 66.9918% | 4,161 |
| Net loans and leases to core deposits | 68.4373% | 4,419 |
| Total domestic deposits to total assets | 85.8443% | 3,129 |
| Equity capital to assets | 14.0208% | 960 |
| Core capital (leverage) ratio | 13.9779% | 838 |
| Tier 1 risk-based capital ratio | 22.4231% | 1,200 |
| Total risk-based capital ratio | 23.6799% | 1,176 |
| Memoranda: | ||
| Average total assets | $29,017,670 | 6,402 |
| Average earning assets | $24,885,330 | 6,415 |
| Average equity | $3,964,670 | 6,208 |
| Average total loans | $15,865,000 | 6,254 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 3,494 |
| Cost of funding earning assets | 0.5459% | 2,456 |
| Net interest margin | 3.5002% | 3,689 |
| Noninterest income to average assets | 0.2614% | 5,269 |
| Noninterest expense to average assets | 2.9302% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3302% | 5,392 |
| Return on assets (ROA) | 0.3302% | 5,444 |
| Pretax return on assets | 0.3302% | 5,652 |
| Return on Equity (ROE) | 2.4484% | 5,649 |
| Retained earnings to average equity (ytd only) | 2.4484% | 4,603 |
| Net charge-offs to loans | -0.2352% | 6,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8734% | 1,046 |
| Assets per employee ($millions) | 2.1150% | 6,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2923% | 1,041 |
| Loan loss allowance to noncurrent loans | 197.2527% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 4,287 |
| Noncurrent loans to loans | 1.1621% | 3,107 |
| Net loans and leases to total assets | 51.6785% | 4,706 |
| Net loans and leases to deposits | 59.6686% | 4,797 |
| Net loans and leases to core deposits | 60.9132% | 4,963 |
| Total domestic deposits to total assets | 86.6093% | 3,039 |
| Equity capital to assets | 13.3502% | 1,157 |
| Core capital (leverage) ratio | 13.5402% | 960 |
| Tier 1 risk-based capital ratio | 22.3903% | 1,233 |
| Total risk-based capital ratio | 23.6519% | 1,207 |
| Memoranda: | ||
| Average total assets | $29,076,500 | 6,470 |
| Average earning assets | $24,913,000 | 6,480 |
| Average equity | $3,921,000 | 6,264 |
| Average total loans | $15,306,000 | 6,339 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3543% | 2,759 |
| Cost of funding earning assets | 0.6139% | 2,536 |
| Net interest margin | 3.7404% | 2,894 |
| Noninterest income to average assets | 0.3670% | 4,684 |
| Noninterest expense to average assets | 2.7505% | 3,909 |
| Loan and lease loss provision to assets | -0.0514% | 6,389 |
| Net operating income to assets | 0.8334% | 3,117 |
| Return on assets (ROA) | 0.9226% | 2,761 |
| Pretax return on assets | 0.9123% | 3,715 |
| Return on Equity (ROE) | 6.7554% | 3,696 |
| Retained earnings to average equity (ytd only) | 1.4817% | 5,152 |
| Net charge-offs to loans | -0.2006% | 6,611 |
| Credit loss provision to net charge-offs | 46.8750% | 3,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0915% | 2,457 |
| Assets per employee ($millions) | 2.0388% | 6,629 |
| Cash dividends to net income (ytd only)* | 78.0669% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3410% | 993 |
| Loan loss allowance to noncurrent loans | 191.2568% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 4,312 |
| Noncurrent loans to loans | 1.2240% | 3,100 |
| Net loans and leases to total assets | 51.1544% | 4,956 |
| Net loans and leases to deposits | 59.2549% | 5,008 |
| Net loans and leases to core deposits | 60.5424% | 5,182 |
| Total domestic deposits to total assets | 86.3294% | 3,097 |
| Equity capital to assets | 13.6251% | 1,026 |
| Core capital (leverage) ratio | 13.7906% | 881 |
| Tier 1 risk-based capital ratio | 23.0756% | 1,087 |
| Total risk-based capital ratio | 24.3373% | 1,064 |
| Memoranda: | ||
| Average total assets | $29,158,200 | 6,540 |
| Average earning assets | $24,596,400 | 6,564 |
| Average equity | $3,982,000 | 6,330 |
| Average total loans | $15,949,200 | 6,372 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 2,859 |
| Cost of funding earning assets | 0.6260% | 2,595 |
| Net interest margin | 3.7077% | 3,003 |
| Noninterest income to average assets | 0.3412% | 4,964 |
| Noninterest expense to average assets | 2.6746% | 4,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8324% | 3,179 |
| Return on assets (ROA) | 0.9416% | 2,741 |
| Pretax return on assets | 0.9006% | 3,882 |
| Return on Equity (ROE) | 6.8907% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.8907% | 1,931 |
| Net charge-offs to loans | 0.0659% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 21.7423% | 1,535 |
| Efficiency ratio | 77.1654% | 2,531 |
| Assets per employee ($millions) | 1.9115% | 6,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1908% | 1,344 |
| Loan loss allowance to noncurrent loans | 176.6304% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6417% | 4,513 |
| Noncurrent loans to loans | 1.2403% | 3,330 |
| Net loans and leases to total assets | 50.6051% | 5,061 |
| Net loans and leases to deposits | 58.9406% | 5,095 |
| Net loans and leases to core deposits | 60.2200% | 5,280 |
| Total domestic deposits to total assets | 85.8578% | 3,338 |
| Equity capital to assets | 14.0690% | 949 |
| Core capital (leverage) ratio | 14.2488% | 806 |
| Tier 1 risk-based capital ratio | 24.9141% | 879 |
| Total risk-based capital ratio | 26.1734% | 869 |
| Memoranda: | ||
| Average total assets | $29,312,000 | 6,610 |
| Average earning assets | $24,705,000 | 6,634 |
| Average equity | $4,005,250 | 6,399 |
| Average total loans | $16,198,750 | 6,427 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 3,113 |
| Cost of funding earning assets | 0.6364% | 2,626 |
| Net interest margin | 3.6251% | 3,262 |
| Noninterest income to average assets | 0.3522% | 4,868 |
| Noninterest expense to average assets | 2.6960% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8264% | 3,164 |
| Return on assets (ROA) | 0.9890% | 2,520 |
| Pretax return on assets | 0.8671% | 4,033 |
| Return on Equity (ROE) | 7.3079% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.3079% | 1,741 |
| Net charge-offs to loans | 0.2162% | 2,463 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.7778% | 2,831 |
| Efficiency ratio | 79.2829% | 2,262 |
| Assets per employee ($millions) | 2.0015% | 6,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2282% | 1,367 |
| Loan loss allowance to noncurrent loans | 170.2703% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 4,696 |
| Noncurrent loans to loans | 1.3086% | 3,369 |
| Net loans and leases to total assets | 46.0380% | 5,528 |
| Net loans and leases to deposits | 53.1534% | 5,592 |
| Net loans and leases to core deposits | 54.2443% | 5,738 |
| Total domestic deposits to total assets | 86.6136% | 3,052 |
| Equity capital to assets | 13.3398% | 1,207 |
| Core capital (leverage) ratio | 13.5588% | 954 |
| Tier 1 risk-based capital ratio | 24.9632% | 879 |
| Total risk-based capital ratio | 26.2194% | 862 |
| Memoranda: | ||
| Average total assets | $29,525,000 | 6,651 |
| Average earning assets | $24,827,000 | 6,681 |
| Average equity | $3,995,670 | 6,451 |
| Average total loans | $16,653,330 | 6,444 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 2,897 |
| Cost of funding earning assets | 0.6440% | 2,712 |
| Net interest margin | 3.6545% | 3,060 |
| Noninterest income to average assets | 0.2733% | 5,493 |
| Noninterest expense to average assets | 2.8829% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7925% | 3,208 |
| Return on assets (ROA) | 1.2024% | 1,626 |
| Pretax return on assets | 0.9018% | 3,757 |
| Return on Equity (ROE) | 8.8198% | 2,568 |
| Retained earnings to average equity (ytd only) | 8.8198% | 1,448 |
| Net charge-offs to loans | 0.0223% | 3,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 859 |
| Efficiency ratio | 85.4251% | 1,593 |
| Assets per employee ($millions) | 1.9825% | 6,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9563% | 2,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 55.9539% | 4,084 |
| Net loans and leases to deposits | 64.8492% | 4,202 |
| Net loans and leases to core deposits | 66.1959% | 4,507 |
| Total domestic deposits to total assets | 86.2831% | 3,369 |
| Equity capital to assets | 13.5656% | 1,190 |
| Core capital (leverage) ratio | 13.3591% | 995 |
| Tier 1 risk-based capital ratio | 22.9171% | 1,171 |
| Total risk-based capital ratio | 24.1726% | 1,148 |
| Memoranda: | ||
| Average total assets | $29,276,000 | 6,730 |
| Average earning assets | $24,846,000 | 6,748 |
| Average equity | $3,991,000 | 6,520 |
| Average total loans | $17,911,500 | 6,455 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 2,760 |
| Cost of funding earning assets | 0.7518% | 3,076 |
| Net interest margin | 3.9068% | 2,798 |
| Noninterest income to average assets | 0.2993% | 5,321 |
| Noninterest expense to average assets | 2.8232% | 3,933 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6029% | 4,224 |
| Return on assets (ROA) | 0.8912% | 3,094 |
| Pretax return on assets | 1.1837% | 2,852 |
| Return on Equity (ROE) | 6.5171% | 3,903 |
| Retained earnings to average equity (ytd only) | 1.2437% | 5,246 |
| Net charge-offs to loans | 0.0368% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 33.5714% | 928 |
| Efficiency ratio | 77.9343% | 2,456 |
| Assets per employee ($millions) | 1.9210% | 6,922 |
| Cash dividends to net income (ytd only)* | 80.9160% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 2,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 64.2686% | 2,853 |
| Net loans and leases to deposits | 74.6162% | 3,003 |
| Net loans and leases to core deposits | 76.2193% | 3,500 |
| Total domestic deposits to total assets | 86.1322% | 3,284 |
| Equity capital to assets | 13.7012% | 1,154 |
| Core capital (leverage) ratio | 13.1327% | 1,066 |
| Tier 1 risk-based capital ratio | 21.1183% | 1,430 |
| Total risk-based capital ratio | 22.3763% | 1,402 |
| Memoranda: | ||
| Average total assets | $29,398,800 | 6,769 |
| Average earning assets | $25,007,400 | 6,786 |
| Average equity | $4,020,200 | 6,562 |
| Average total loans | $19,024,400 | 6,460 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6806% | 2,887 |
| Cost of funding earning assets | 0.7712% | 3,175 |
| Net interest margin | 3.9094% | 2,884 |
| Noninterest income to average assets | 0.2662% | 5,650 |
| Noninterest expense to average assets | 2.7618% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5896% | 4,441 |
| Return on assets (ROA) | 0.8935% | 3,244 |
| Pretax return on assets | 1.2094% | 2,960 |
| Return on Equity (ROE) | 6.5372% | 4,045 |
| Retained earnings to average equity (ytd only) | 6.5372% | 2,364 |
| Net charge-offs to loans | 0.0560% | 4,868 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 22.1172% | 1,364 |
| Efficiency ratio | 77.5665% | 2,448 |
| Assets per employee ($millions) | 1.9665% | 7,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 2,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 63.1297% | 3,187 |
| Net loans and leases to deposits | 73.6193% | 3,357 |
| Net loans and leases to core deposits | 75.1675% | 3,827 |
| Total domestic deposits to total assets | 85.7516% | 3,387 |
| Equity capital to assets | 14.0009% | 1,158 |
| Core capital (leverage) ratio | 13.8040% | 898 |
| Tier 1 risk-based capital ratio | 21.8196% | 1,362 |
| Total risk-based capital ratio | 23.0773% | 1,333 |
| Memoranda: | ||
| Average total assets | $29,544,750 | 6,849 |
| Average earning assets | $24,896,500 | 6,878 |
| Average equity | $4,038,250 | 6,632 |
| Average total loans | $19,067,500 | 6,544 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 2,851 |
| Cost of funding earning assets | 0.8035% | 3,163 |
| Net interest margin | 3.9133% | 2,851 |
| Noninterest income to average assets | 0.2436% | 5,826 |
| Noninterest expense to average assets | 2.7740% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5805% | 4,450 |
| Return on assets (ROA) | 0.8119% | 3,605 |
| Pretax return on assets | 1.0690% | 3,427 |
| Return on Equity (ROE) | 5.9885% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.9885% | 2,721 |
| Net charge-offs to loans | 0.1047% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.3000% | 1,972 |
| Efficiency ratio | 78.3939% | 2,409 |
| Assets per employee ($millions) | 2.0331% | 7,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 3,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 63.6903% | 3,107 |
| Net loans and leases to deposits | 73.6836% | 3,344 |
| Net loans and leases to core deposits | 75.1664% | 3,859 |
| Total domestic deposits to total assets | 86.4376% | 3,109 |
| Equity capital to assets | 13.3460% | 1,370 |
| Core capital (leverage) ratio | 13.3952% | 1,016 |
| Tier 1 risk-based capital ratio | 20.6113% | 1,549 |
| Total risk-based capital ratio | 21.8689% | 1,533 |
| Memoranda: | ||
| Average total assets | $29,560,330 | 6,900 |
| Average earning assets | $24,889,670 | 6,935 |
| Average equity | $4,007,670 | 6,679 |
| Average total loans | $19,105,330 | 6,594 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 3,010 |
| Cost of funding earning assets | 0.8096% | 3,397 |
| Net interest margin | 3.9024% | 2,909 |
| Noninterest income to average assets | 0.2337% | 5,954 |
| Noninterest expense to average assets | 2.8186% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5465% | 4,615 |
| Return on assets (ROA) | 0.7837% | 3,698 |
| Pretax return on assets | 1.0449% | 3,518 |
| Return on Equity (ROE) | 5.7337% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.7337% | 3,124 |
| Net charge-offs to loans | 0.1065% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.6000% | 1,742 |
| Efficiency ratio | 79.4574% | 2,276 |
| Assets per employee ($millions) | 1.9581% | 7,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7709% | 3,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 63.2665% | 2,988 |
| Net loans and leases to deposits | 73.4931% | 3,196 |
| Net loans and leases to core deposits | 75.0333% | 3,742 |
| Total domestic deposits to total assets | 86.0849% | 3,475 |
| Equity capital to assets | 13.6257% | 1,185 |
| Core capital (leverage) ratio | 13.1043% | 1,084 |
| Tier 1 risk-based capital ratio | 21.1613% | 1,459 |
| Total risk-based capital ratio | 22.4194% | 1,427 |
| Memoranda: | ||
| Average total assets | $29,092,500 | 6,973 |
| Average earning assets | $24,702,500 | 6,993 |
| Average equity | $3,976,500 | 6,722 |
| Average total loans | $18,781,500 | 6,667 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4430% | 1,319 |
| Cost of funding earning assets | 1.0576% | 2,967 |
| Net interest margin | 4.3855% | 1,428 |
| Noninterest income to average assets | 0.3042% | 5,360 |
| Noninterest expense to average assets | 2.9979% | 3,600 |
| Loan and lease loss provision to assets | -2.3313% | 7,354 |
| Net operating income to assets | 2.0279% | 293 |
| Return on assets (ROA) | 2.2664% | 215 |
| Pretax return on assets | 3.5825% | 91 |
| Return on Equity (ROE) | 17.5397% | 421 |
| Retained earnings to average equity (ytd only) | 11.9048% | 311 |
| Net charge-offs to loans | -4.4270% | 7,315 |
| Credit loss provision to net charge-offs | 88.0000% | 4,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3369% | 2,690 |
| Assets per employee ($millions) | 1.9209% | 7,184 |
| Cash dividends to net income (ytd only)* | 32.1267% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8234% | 2,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 6,923 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 63.5316% | 3,285 |
| Net loans and leases to deposits | 74.7367% | 3,386 |
| Net loans and leases to core deposits | 76.3514% | 3,932 |
| Total domestic deposits to total assets | 85.0073% | 3,841 |
| Equity capital to assets | 13.7121% | 1,167 |
| Core capital (leverage) ratio | 13.6139% | 920 |
| Tier 1 risk-based capital ratio | 21.3144% | 1,356 |
| Total risk-based capital ratio | 22.5727% | 1,326 |
| Memoranda: | ||
| Average total assets | $29,253,600 | 6,988 |
| Average earning assets | $23,828,600 | 7,050 |
| Average equity | $3,780,000 | 6,808 |
| Average total loans | $17,506,200 | 6,785 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5507% | 1,141 |
| Cost of funding earning assets | 1.1158% | 2,874 |
| Net interest margin | 4.4349% | 1,305 |
| Noninterest income to average assets | 0.2815% | 5,598 |
| Noninterest expense to average assets | 2.9923% | 3,580 |
| Loan and lease loss provision to assets | -3.1013% | 7,434 |
| Net operating income to assets | 2.4729% | 163 |
| Return on assets (ROA) | 2.7199% | 113 |
| Pretax return on assets | 4.3681% | 71 |
| Return on Equity (ROE) | 21.3700% | 243 |
| Retained earnings to average equity (ytd only) | 21.3700% | 57 |
| Net charge-offs to loans | -6.0467% | 7,394 |
| Credit loss provision to net charge-offs | 87.4520% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2567% | 2,646 |
| Assets per employee ($millions) | 1.8905% | 7,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0064% | 2,320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 6,709 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 59.5938% | 4,209 |
| Net loans and leases to deposits | 70.7900% | 4,166 |
| Net loans and leases to core deposits | 72.3571% | 4,669 |
| Total domestic deposits to total assets | 84.1838% | 4,138 |
| Equity capital to assets | 14.4691% | 1,003 |
| Core capital (leverage) ratio | 13.7822% | 959 |
| Tier 1 risk-based capital ratio | 23.8414% | 1,030 |
| Total risk-based capital ratio | 25.1021% | 1,014 |
| Memoranda: | ||
| Average total assets | $29,363,500 | 7,057 |
| Average earning assets | $23,780,250 | 7,125 |
| Average equity | $3,737,250 | 6,874 |
| Average total loans | $17,221,250 | 6,861 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4940% | 1,307 |
| Cost of funding earning assets | 1.1353% | 3,004 |
| Net interest margin | 4.3588% | 1,488 |
| Noninterest income to average assets | 0.2626% | 5,770 |
| Noninterest expense to average assets | 3.0641% | 3,381 |
| Loan and lease loss provision to assets | -4.5995% | 7,511 |
| Net operating income to assets | 3.3165% | 91 |
| Return on assets (ROA) | 3.3941% | 85 |
| Pretax return on assets | 5.4615% | 60 |
| Return on Equity (ROE) | 27.8813% | 94 |
| Retained earnings to average equity (ytd only) | 27.8813% | 46 |
| Net charge-offs to loans | -9.1208% | 7,469 |
| Credit loss provision to net charge-offs | 87.0064% | 3,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5310% | 2,308 |
| Assets per employee ($millions) | 2.0330% | 7,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0577% | 2,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 6,785 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 54.6286% | 5,205 |
| Net loans and leases to deposits | 63.8080% | 5,299 |
| Net loans and leases to core deposits | 65.0946% | 5,602 |
| Total domestic deposits to total assets | 85.6140% | 3,553 |
| Equity capital to assets | 13.2153% | 1,426 |
| Core capital (leverage) ratio | 13.3746% | 1,040 |
| Tier 1 risk-based capital ratio | 22.5964% | 1,181 |
| Total risk-based capital ratio | 23.8550% | 1,157 |
| Memoranda: | ||
| Average total assets | $29,699,000 | 7,114 |
| Average earning assets | $24,135,330 | 7,172 |
| Average equity | $3,615,330 | 6,951 |
| Average total loans | $17,213,330 | 6,933 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5958% | 1,062 |
| Cost of funding earning assets | 1.1693% | 3,025 |
| Net interest margin | 4.4265% | 1,224 |
| Noninterest income to average assets | 0.2594% | 5,816 |
| Noninterest expense to average assets | 2.7712% | 4,557 |
| Loan and lease loss provision to assets | 0.0956% | 4,814 |
| Net operating income to assets | 0.6400% | 3,802 |
| Return on assets (ROA) | 0.7099% | 3,544 |
| Pretax return on assets | 1.1194% | 2,684 |
| Return on Equity (ROE) | 6.1033% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.1033% | 2,576 |
| Net charge-offs to loans | 0.2541% | 3,063 |
| Credit loss provision to net charge-offs | 63.6364% | 3,474 |
| Earnings coverage of net charge-offs (x) | 7.3636% | 1,961 |
| Efficiency ratio | 71.4789% | 3,964 |
| Assets per employee ($millions) | 1.9794% | 7,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 4,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 6,633 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 55.3939% | 5,094 |
| Net loans and leases to deposits | 62.7700% | 5,413 |
| Net loans and leases to core deposits | 64.0285% | 5,724 |
| Total domestic deposits to total assets | 88.2490% | 2,222 |
| Equity capital to assets | 11.6129% | 2,187 |
| Core capital (leverage) ratio | 11.7982% | 1,677 |
| Tier 1 risk-based capital ratio | 20.7007% | 1,450 |
| Total risk-based capital ratio | 21.9559% | 1,421 |
| Memoranda: | ||
| Average total assets | $29,301,000 | 7,174 |
| Average earning assets | $23,946,500 | 7,228 |
| Average equity | $3,408,000 | 7,041 |
| Average total loans | $17,315,500 | 6,978 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9778% | 882 |
| Cost of funding earning assets | 1.5613% | 2,296 |
| Net interest margin | 4.4165% | 1,424 |
| Noninterest income to average assets | 0.5236% | 3,998 |
| Noninterest expense to average assets | 2.7364% | 4,826 |
| Loan and lease loss provision to assets | 0.1351% | 5,822 |
| Net operating income to assets | 0.7616% | 2,950 |
| Return on assets (ROA) | 0.8209% | 2,846 |
| Pretax return on assets | 1.2601% | 2,042 |
| Return on Equity (ROE) | 7.0154% | 3,115 |
| Retained earnings to average equity (ytd only) | 0.9527% | 5,079 |
| Net charge-offs to loans | 0.0483% | 6,315 |
| Credit loss provision to net charge-offs | 444.4444% | 516 |
| Earnings coverage of net charge-offs (x) | 42.8889% | 541 |
| Efficiency ratio | 67.7258% | 4,618 |
| Assets per employee ($millions) | 1.9274% | 7,448 |
| Cash dividends to net income (ytd only)* | 86.4198% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 4,600 |
| Loan loss allowance to noncurrent loans | 1,907.6923% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 6,588 |
| Noncurrent loans to loans | 0.0725% | 6,945 |
| Net loans and leases to total assets | 61.1947% | 4,455 |
| Net loans and leases to deposits | 69.4294% | 4,894 |
| Net loans and leases to core deposits | 70.8587% | 5,351 |
| Total domestic deposits to total assets | 88.1395% | 2,161 |
| Equity capital to assets | 11.6495% | 2,161 |
| Core capital (leverage) ratio | 11.2726% | 1,968 |
| Tier 1 risk-based capital ratio | 18.9822% | 1,728 |
| Total risk-based capital ratio | 20.2337% | 1,693 |
| Memoranda: | ||
| Average total assets | $29,601,400 | 7,216 |
| Average earning assets | $23,570,600 | 7,303 |
| Average equity | $3,463,800 | 7,143 |
| Average total loans | $18,643,200 | 6,994 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7985% | 1,400 |
| Cost of funding earning assets | 1.6421% | 2,149 |
| Net interest margin | 4.1565% | 2,380 |
| Noninterest income to average assets | 0.3851% | 5,074 |
| Noninterest expense to average assets | 2.7943% | 4,511 |
| Loan and lease loss provision to assets | 0.1791% | 5,253 |
| Net operating income to assets | 0.4498% | 4,538 |
| Return on assets (ROA) | 0.4971% | 4,525 |
| Pretax return on assets | 0.7478% | 4,090 |
| Return on Equity (ROE) | 4.2434% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.2434% | 3,503 |
| Net charge-offs to loans | 0.0780% | 5,742 |
| Credit loss provision to net charge-offs | 363.6364% | 853 |
| Earnings coverage of net charge-offs (x) | 17.3592% | 1,331 |
| Efficiency ratio | 76.5644% | 2,842 |
| Assets per employee ($millions) | 2.0393% | 7,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 4,759 |
| Loan loss allowance to noncurrent loans | 1,537.5000% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 6,851 |
| Noncurrent loans to loans | 0.0871% | 7,015 |
| Net loans and leases to total assets | 59.2677% | 5,050 |
| Net loans and leases to deposits | 67.4404% | 5,496 |
| Net loans and leases to core deposits | 68.7472% | 5,871 |
| Total domestic deposits to total assets | 87.8817% | 2,028 |
| Equity capital to assets | 11.8110% | 2,275 |
| Core capital (leverage) ratio | 11.5027% | 1,939 |
| Tier 1 risk-based capital ratio | 19.0676% | 1,739 |
| Total risk-based capital ratio | 20.3188% | 1,699 |
| Memoranda: | ||
| Average total assets | $29,774,000 | 7,302 |
| Average earning assets | $23,384,750 | 7,400 |
| Average equity | $3,487,750 | 7,231 |
| Average total loans | $18,819,000 | 7,084 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7970% | 1,436 |
| Cost of funding earning assets | 1.7330% | 1,952 |
| Net interest margin | 4.0639% | 2,728 |
| Noninterest income to average assets | 0.4203% | 4,751 |
| Noninterest expense to average assets | 2.8540% | 4,250 |
| Loan and lease loss provision to assets | 0.2712% | 4,224 |
| Net operating income to assets | 0.4000% | 4,757 |
| Return on assets (ROA) | 0.4000% | 4,915 |
| Pretax return on assets | 0.4745% | 4,988 |
| Return on Equity (ROE) | 3.4243% | 5,047 |
| Retained earnings to average equity (ytd only) | 3.4243% | 3,932 |
| Net charge-offs to loans | 0.1371% | 4,850 |
| Credit loss provision to net charge-offs | 307.6923% | 1,192 |
| Earnings coverage of net charge-offs (x) | 8.4615% | 2,130 |
| Efficiency ratio | 79.2844% | 2,531 |
| Assets per employee ($millions) | 2.0435% | 7,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 5,213 |
| Loan loss allowance to noncurrent loans | 24,400.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 6,992 |
| Noncurrent loans to loans | 0.0051% | 7,327 |
| Net loans and leases to total assets | 63.1345% | 4,437 |
| Net loans and leases to deposits | 71.3806% | 5,095 |
| Net loans and leases to core deposits | 72.7464% | 5,592 |
| Total domestic deposits to total assets | 88.4477% | 1,761 |
| Equity capital to assets | 11.4511% | 2,481 |
| Core capital (leverage) ratio | 11.3764% | 1,991 |
| Tier 1 risk-based capital ratio | 17.8723% | 1,992 |
| Total risk-based capital ratio | 19.1245% | 1,959 |
| Memoranda: | ||
| Average total assets | $29,502,000 | 7,365 |
| Average earning assets | $23,081,000 | 7,471 |
| Average equity | $3,446,000 | 7,279 |
| Average total loans | $18,966,670 | 7,127 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7977% | 1,464 |
| Cost of funding earning assets | 1.8553% | 1,634 |
| Net interest margin | 3.9425% | 3,139 |
| Noninterest income to average assets | 0.2766% | 5,937 |
| Noninterest expense to average assets | 2.9592% | 3,819 |
| Loan and lease loss provision to assets | 0.1383% | 5,175 |
| Net operating income to assets | 0.1798% | 5,756 |
| Return on assets (ROA) | 0.1798% | 5,886 |
| Pretax return on assets | 0.2351% | 5,780 |
| Return on Equity (ROE) | 1.5231% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.5231% | 5,180 |
| Net charge-offs to loans | 0.8364% | 1,861 |
| Credit loss provision to net charge-offs | 25.6410% | 4,883 |
| Earnings coverage of net charge-offs (x) | 0.6923% | 4,411 |
| Efficiency ratio | 88.7967% | 1,522 |
| Assets per employee ($millions) | 1.9645% | 7,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,420 |
| Loan loss allowance to noncurrent loans | 64.8276% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 5,178 |
| Noncurrent loans to loans | 1.5549% | 4,412 |
| Net loans and leases to total assets | 62.6565% | 4,626 |
| Net loans and leases to deposits | 70.9679% | 5,209 |
| Net loans and leases to core deposits | 72.3755% | 5,667 |
| Total domestic deposits to total assets | 88.2886% | 1,910 |
| Equity capital to assets | 11.6028% | 2,291 |
| Core capital (leverage) ratio | 11.6704% | 1,819 |
| Tier 1 risk-based capital ratio | 18.4127% | 1,848 |
| Total risk-based capital ratio | 19.4284% | 1,878 |
| Memoranda: | ||
| Average total assets | $28,927,000 | 7,479 |
| Average earning assets | $22,422,500 | 7,588 |
| Average equity | $3,414,000 | 7,367 |
| Average total loans | $18,652,000 | 7,229 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1618% | 1,340 |
| Cost of funding earning assets | 2.3291% | 1,540 |
| Net interest margin | 3.8327% | 3,562 |
| Noninterest income to average assets | 0.3563% | 5,552 |
| Noninterest expense to average assets | 2.9932% | 4,168 |
| Loan and lease loss provision to assets | 1.0512% | 2,185 |
| Net operating income to assets | 0.6290% | 3,224 |
| Return on assets (ROA) | 0.6450% | 3,217 |
| Pretax return on assets | -0.7020% | 6,189 |
| Return on Equity (ROE) | 5.5940% | 3,382 |
| Retained earnings to average equity (ytd only) | 5.5940% | 1,528 |
| Net charge-offs to loans | 3.7968% | 465 |
| Credit loss provision to net charge-offs | 41.3165% | 6,819 |
| Earnings coverage of net charge-offs (x) | 0.1275% | 6,034 |
| Efficiency ratio | 90.2256% | 1,690 |
| Assets per employee ($millions) | 1.8925% | 7,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 5,567 |
| Loan loss allowance to noncurrent loans | 55.3571% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.3809% | 4,350 |
| Noncurrent loans to loans | 2.1015% | 3,516 |
| Net loans and leases to total assets | 64.9452% | 4,380 |
| Net loans and leases to deposits | 73.9125% | 5,052 |
| Net loans and leases to core deposits | 94.0228% | 4,673 |
| Total domestic deposits to total assets | 87.8677% | 2,031 |
| Equity capital to assets | 12.0090% | 2,036 |
| Core capital (leverage) ratio | 11.9460% | 1,687 |
| Tier 1 risk-based capital ratio | 18.3575% | 1,790 |
| Total risk-based capital ratio | 19.5323% | 1,769 |
| Memoranda: | ||
| Average total assets | $28,063,600 | 7,545 |
| Average earning assets | $21,682,000 | 7,657 |
| Average equity | $3,235,600 | 7,520 |
| Average total loans | $18,805,400 | 7,269 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1805% | 1,418 |
| Cost of funding earning assets | 2.4118% | 1,593 |
| Net interest margin | 3.7688% | 3,783 |
| Noninterest income to average assets | 0.3192% | 5,926 |
| Noninterest expense to average assets | 2.9446% | 4,252 |
| Loan and lease loss provision to assets | 0.4765% | 3,527 |
| Net operating income to assets | -0.0629% | 5,829 |
| Return on assets (ROA) | -0.0476% | 5,846 |
| Pretax return on assets | -0.1667% | 5,929 |
| Return on Equity (ROE) | -0.4176% | 5,846 |
| Retained earnings to average equity (ytd only) | -0.4176% | 5,323 |
| Net charge-offs to loans | 2.8869% | 602 |
| Credit loss provision to net charge-offs | 24.5098% | 6,538 |
| Earnings coverage of net charge-offs (x) | 0.1471% | 5,888 |
| Efficiency ratio | 91.1504% | 1,602 |
| Assets per employee ($millions) | 1.9191% | 7,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7382% | 2,488 |
| Loan loss allowance to noncurrent loans | 60.0733% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 2.7618% | 2,514 |
| Noncurrent loans to loans | 2.8935% | 2,632 |
| Net loans and leases to total assets | 64.4133% | 4,771 |
| Net loans and leases to deposits | 72.6909% | 5,552 |
| Net loans and leases to core deposits | 94.9217% | 4,938 |
| Total domestic deposits to total assets | 88.6125% | 1,385 |
| Equity capital to assets | 11.1964% | 2,838 |
| Core capital (leverage) ratio | 11.1223% | 2,315 |
| Tier 1 risk-based capital ratio | 17.4216% | 2,140 |
| Total risk-based capital ratio | 18.6792% | 2,093 |
| Memoranda: | ||
| Average total assets | $27,982,750 | 7,614 |
| Average earning assets | $21,615,750 | 7,728 |
| Average equity | $3,192,250 | 7,605 |
| Average total loans | $18,843,500 | 7,331 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1653% | 1,574 |
| Cost of funding earning assets | 2.4455% | 1,794 |
| Net interest margin | 3.7198% | 3,878 |
| Noninterest income to average assets | 0.3103% | 6,023 |
| Noninterest expense to average assets | 2.9659% | 4,225 |
| Loan and lease loss provision to assets | 0.7216% | 2,273 |
| Net operating income to assets | -0.3366% | 6,367 |
| Return on assets (ROA) | -0.3175% | 6,362 |
| Pretax return on assets | -0.4835% | 6,409 |
| Return on Equity (ROE) | -2.7656% | 6,334 |
| Retained earnings to average equity (ytd only) | -2.7656% | 5,926 |
| Net charge-offs to loans | 4.3431% | 308 |
| Credit loss provision to net charge-offs | 24.4499% | 6,085 |
| Earnings coverage of net charge-offs (x) | 0.0709% | 5,607 |
| Efficiency ratio | 93.4091% | 1,539 |
| Assets per employee ($millions) | 1.8680% | 7,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 2,162 |
| Loan loss allowance to noncurrent loans | 86.9681% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 2.2341% | 2,908 |
| Noncurrent loans to loans | 2.0199% | 3,486 |
| Net loans and leases to total assets | 65.2677% | 4,711 |
| Net loans and leases to deposits | 73.7657% | 5,486 |
| Net loans and leases to core deposits | 94.1080% | 5,104 |
| Total domestic deposits to total assets | 88.4797% | 1,537 |
| Equity capital to assets | 11.3526% | 2,633 |
| Core capital (leverage) ratio | 11.3266% | 2,180 |
| Tier 1 risk-based capital ratio | 17.6911% | 2,090 |
| Total risk-based capital ratio | 18.9484% | 2,041 |
| Memoranda: | ||
| Average total assets | $27,715,000 | 7,691 |
| Average earning assets | $21,345,330 | 7,812 |
| Average equity | $3,182,000 | 7,672 |
| Average total loans | $18,834,670 | 7,404 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3464% | 1,184 |
| Cost of funding earning assets | 2.4743% | 2,008 |
| Net interest margin | 3.8720% | 3,177 |
| Noninterest income to average assets | 0.3193% | 5,896 |
| Noninterest expense to average assets | 3.0766% | 3,466 |
| Loan and lease loss provision to assets | 1.4512% | 871 |
| Net operating income to assets | -1.3351% | 7,433 |
| Return on assets (ROA) | -1.2626% | 7,413 |
| Pretax return on assets | -1.1610% | 7,233 |
| Return on Equity (ROE) | -10.9348% | 7,421 |
| Retained earnings to average equity (ytd only) | -10.9348% | 7,198 |
| Net charge-offs to loans | 8.4880% | 86 |
| Credit loss provision to net charge-offs | 24.8756% | 5,014 |
| Earnings coverage of net charge-offs (x) | 0.0373% | 4,943 |
| Efficiency ratio | 93.3921% | 1,470 |
| Assets per employee ($millions) | 2.0270% | 7,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 1,872 |
| Loan loss allowance to noncurrent loans | 103.7152% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 2.0192% | 2,870 |
| Noncurrent loans to loans | 1.7284% | 3,670 |
| Net loans and leases to total assets | 64.6733% | 4,865 |
| Net loans and leases to deposits | 72.8901% | 5,628 |
| Net loans and leases to core deposits | 89.7062% | 5,583 |
| Total domestic deposits to total assets | 88.7272% | 1,368 |
| Equity capital to assets | 11.0402% | 2,929 |
| Core capital (leverage) ratio | 11.0945% | 2,434 |
| Tier 1 risk-based capital ratio | 17.3413% | 2,233 |
| Total risk-based capital ratio | 18.5963% | 2,177 |
| Memoranda: | ||
| Average total assets | $27,562,500 | 7,748 |
| Average earning assets | $21,177,500 | 7,869 |
| Average equity | $3,182,500 | 7,724 |
| Average total loans | $18,944,500 | 7,442 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8114% | 1,643 |
| Cost of funding earning assets | 2.5117% | 4,143 |
| Net interest margin | 4.2998% | 1,974 |
| Noninterest income to average assets | 0.4099% | 5,392 |
| Noninterest expense to average assets | 2.7755% | 4,927 |
| Loan and lease loss provision to assets | 2.6461% | 381 |
| Net operating income to assets | -1.3338% | 7,407 |
| Return on assets (ROA) | -1.3302% | 7,345 |
| Pretax return on assets | -1.2907% | 7,161 |
| Return on Equity (ROE) | -10.3450% | 7,300 |
| Retained earnings to average equity (ytd only) | -10.3450% | 7,099 |
| Net charge-offs to loans | 2.0769% | 515 |
| Credit loss provision to net charge-offs | 172.7700% | 2,958 |
| Earnings coverage of net charge-offs (x) | 0.8826% | 5,695 |
| Efficiency ratio | 67.2474% | 4,863 |
| Assets per employee ($millions) | 1.7831% | 8,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3123% | 334 |
| Loan loss allowance to noncurrent loans | 72.9358% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 3.2602% | 1,394 |
| Noncurrent loans to loans | 4.5414% | 1,048 |
| Net loans and leases to total assets | 69.4097% | 4,164 |
| Net loans and leases to deposits | 79.1482% | 5,174 |
| Net loans and leases to core deposits | 97.3876% | 5,114 |
| Total domestic deposits to total assets | 87.6958% | 1,611 |
| Equity capital to assets | 12.0836% | 2,240 |
| Core capital (leverage) ratio | 11.8507% | 2,056 |
| Tier 1 risk-based capital ratio | 18.2407% | 1,981 |
| Total risk-based capital ratio | 19.5193% | 1,918 |
| Memoranda: | ||
| Average total assets | $27,815,000 | 7,737 |
| Average earning assets | $24,047,800 | 7,780 |
| Average equity | $3,576,600 | 7,652 |
| Average total loans | $20,511,800 | 7,299 |