Home > Bank of Modesto > Performance and Condition Ratios
Bank of Modesto, Performance and Condition Ratios
| 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 | 3.4981% | 4,771 |
| Cost of funding earning assets | 0.2807% | 4,280 |
| Net interest margin | 3.2173% | 4,360 |
| Noninterest income to average assets | 0.2096% | 4,998 |
| Noninterest expense to average assets | 2.3471% | 4,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5467% | 4,536 |
| Return on assets (ROA) | 0.5467% | 4,573 |
| Pretax return on assets | 0.8303% | 4,160 |
| Return on Equity (ROE) | 5.2239% | 4,385 |
| Retained earnings to average equity (ytd only) | 1.0998% | 4,803 |
| 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 | 73.8680% | 2,036 |
| Assets per employee ($millions) | 4.8851% | 2,533 |
| Cash dividends to net income (ytd only)* | 78.9474% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 4,849 |
| Noncurrent loans to loans | 0.1461% | 4,532 |
| Net loans and leases to total assets | 58.8627% | 3,935 |
| Net loans and leases to deposits | 66.8783% | 4,158 |
| Net loans and leases to core deposits | 67.9129% | 4,355 |
| Total domestic deposits to total assets | 88.0146% | 1,454 |
| Equity capital to assets | 11.4921% | 2,325 |
| Core capital (leverage) ratio | 11.0277% | 2,378 |
| Tier 1 risk-based capital ratio | 16.3731% | 2,370 |
| Total risk-based capital ratio | 16.3731% | 2,811 |
| Memoranda: | ||
| Average total assets | $48,655,670 | 5,280 |
| Average earning assets | $44,882,000 | 5,267 |
| Average equity | $5,092,000 | 5,347 |
| Average total loans | $29,325,330 | 5,137 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4583% | 4,806 |
| Cost of funding earning assets | 0.2809% | 4,248 |
| Net interest margin | 3.1774% | 4,410 |
| Noninterest income to average assets | 0.2142% | 4,985 |
| Noninterest expense to average assets | 3.5339% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3377% | 5,706 |
| Return on assets (ROA) | -0.3377% | 5,705 |
| Pretax return on assets | -0.3377% | 5,694 |
| Return on Equity (ROE) | -3.3947% | 5,713 |
| Retained earnings to average equity (ytd only) | -3.3947% | 5,286 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5670% | 121 |
| Assets per employee ($millions) | 4.8137% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6748% | 5,356 |
| 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 | 60.5439% | 3,724 |
| Net loans and leases to deposits | 67.9015% | 4,001 |
| Net loans and leases to core deposits | 68.9570% | 4,224 |
| Total domestic deposits to total assets | 89.1643% | 1,068 |
| Equity capital to assets | 10.0152% | 3,739 |
| Core capital (leverage) ratio | 9.8127% | 3,741 |
| Tier 1 risk-based capital ratio | 15.2101% | 2,865 |
| Total risk-based capital ratio | 15.8348% | 3,089 |
| Memoranda: | ||
| Average total assets | $48,558,000 | 5,337 |
| Average earning assets | $45,571,500 | 5,303 |
| Average equity | $4,831,000 | 5,451 |
| Average total loans | $29,610,500 | 5,174 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5759% | 4,574 |
| Cost of funding earning assets | 0.3173% | 3,877 |
| Net interest margin | 3.2587% | 4,273 |
| Noninterest income to average assets | 0.2554% | 4,891 |
| Noninterest expense to average assets | 2.7879% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4500% | 4,799 |
| Return on assets (ROA) | 0.4500% | 4,878 |
| Pretax return on assets | 0.4772% | 5,074 |
| Return on Equity (ROE) | 4.4661% | 4,675 |
| Retained earnings to average equity (ytd only) | 3.2198% | 3,624 |
| Net charge-offs to loans | 0.0068% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 534 |
| Efficiency ratio | 83.5897% | 1,050 |
| Assets per employee ($millions) | 4.0816% | 3,827 |
| Cash dividends to net income (ytd only)* | 27.9070% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6627% | 5,426 |
| Loan loss allowance to noncurrent loans | 286.9565% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 4,745 |
| Noncurrent loans to loans | 0.2309% | 4,323 |
| Net loans and leases to total assets | 60.5994% | 3,788 |
| Net loans and leases to deposits | 67.5858% | 4,117 |
| Net loans and leases to core deposits | 68.6123% | 4,354 |
| Total domestic deposits to total assets | 89.6629% | 785 |
| Equity capital to assets | 9.8838% | 3,837 |
| Core capital (leverage) ratio | 9.9811% | 3,502 |
| Tier 1 risk-based capital ratio | 14.9425% | 2,990 |
| Total risk-based capital ratio | 15.5510% | 3,215 |
| Memoranda: | ||
| Average total assets | $47,777,400 | 5,392 |
| Average earning assets | $44,128,600 | 5,374 |
| Average equity | $4,814,000 | 5,496 |
| Average total loans | $29,434,400 | 5,212 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6039% | 4,547 |
| Cost of funding earning assets | 0.3240% | 3,827 |
| Net interest margin | 3.2799% | 4,256 |
| Noninterest income to average assets | 0.2865% | 4,721 |
| Noninterest expense to average assets | 2.3562% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5897% | 4,333 |
| Return on assets (ROA) | 0.5897% | 4,440 |
| Pretax return on assets | 0.9436% | 3,833 |
| Return on Equity (ROE) | 5.8243% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.8243% | 2,287 |
| Net charge-offs to loans | 0.0045% | 3,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 336.8346% | 254 |
| Efficiency ratio | 69.1064% | 3,027 |
| Assets per employee ($millions) | 4.0495% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6691% | 5,492 |
| Loan loss allowance to noncurrent loans | 231.3953% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 4,736 |
| Noncurrent loans to loans | 0.2891% | 4,225 |
| Net loans and leases to total assets | 60.7976% | 3,769 |
| Net loans and leases to deposits | 67.9688% | 4,154 |
| Net loans and leases to core deposits | 69.0087% | 4,396 |
| Total domestic deposits to total assets | 89.4493% | 701 |
| Equity capital to assets | 10.1165% | 4,023 |
| Core capital (leverage) ratio | 10.5721% | 2,906 |
| Tier 1 risk-based capital ratio | 14.9959% | 3,054 |
| Total risk-based capital ratio | 15.6028% | 3,300 |
| Memoranda: | ||
| Average total assets | $47,477,000 | 5,449 |
| Average earning assets | $43,618,500 | 5,438 |
| Average equity | $4,807,250 | 5,554 |
| Average total loans | $29,323,250 | 5,264 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5490% | 4,749 |
| Cost of funding earning assets | 0.3247% | 3,851 |
| Net interest margin | 3.2243% | 4,470 |
| Noninterest income to average assets | 0.2972% | 4,657 |
| Noninterest expense to average assets | 2.3989% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5605% | 4,438 |
| Return on assets (ROA) | 0.5605% | 4,555 |
| Pretax return on assets | 0.8916% | 3,983 |
| Return on Equity (ROE) | 5.5334% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.5334% | 2,398 |
| Net charge-offs to loans | 0.0069% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 210.0000% | 311 |
| Efficiency ratio | 69.4194% | 3,070 |
| Assets per employee ($millions) | 3.8836% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6835% | 5,549 |
| Loan loss allowance to noncurrent loans | 497.5000% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 5,183 |
| Noncurrent loans to loans | 0.1374% | 4,890 |
| Net loans and leases to total assets | 62.0497% | 3,618 |
| Net loans and leases to deposits | 69.5957% | 4,022 |
| Net loans and leases to core deposits | 70.7052% | 4,279 |
| Total domestic deposits to total assets | 89.1574% | 845 |
| Equity capital to assets | 10.3835% | 3,754 |
| Core capital (leverage) ratio | 10.3100% | 3,181 |
| Tier 1 risk-based capital ratio | 15.1195% | 3,024 |
| Total risk-based capital ratio | 15.7413% | 3,253 |
| Memoranda: | ||
| Average total assets | $47,104,670 | 5,520 |
| Average earning assets | $43,731,000 | 5,502 |
| Average equity | $4,771,000 | 5,619 |
| Average total loans | $29,183,330 | 5,324 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5010% | 4,887 |
| Cost of funding earning assets | 0.3183% | 3,967 |
| Net interest margin | 3.1827% | 4,633 |
| Noninterest income to average assets | 0.2534% | 4,934 |
| Noninterest expense to average assets | 2.3820% | 4,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5237% | 4,528 |
| Return on assets (ROA) | 0.5237% | 4,636 |
| Pretax return on assets | 0.8278% | 4,113 |
| Return on Equity (ROE) | 5.2354% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.2354% | 2,794 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2105% | 3,264 |
| Assets per employee ($millions) | 4.3071% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6751% | 5,637 |
| Loan loss allowance to noncurrent loans | 72.8261% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 3,318 |
| Noncurrent loans to loans | 0.9270% | 2,529 |
| Net loans and leases to total assets | 62.4214% | 3,464 |
| Net loans and leases to deposits | 69.7303% | 3,879 |
| Net loans and leases to core deposits | 70.3942% | 4,216 |
| Total domestic deposits to total assets | 89.5183% | 826 |
| Equity capital to assets | 10.0637% | 3,998 |
| Core capital (leverage) ratio | 9.9753% | 3,561 |
| Tier 1 risk-based capital ratio | 14.5697% | 3,358 |
| Total risk-based capital ratio | 15.1844% | 3,660 |
| Memoranda: | ||
| Average total assets | $47,355,500 | 5,568 |
| Average earning assets | $43,987,500 | 5,552 |
| Average equity | $4,737,000 | 5,669 |
| Average total loans | $29,217,000 | 5,368 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4490% | 5,045 |
| Cost of funding earning assets | 0.2929% | 4,332 |
| Net interest margin | 3.1561% | 4,762 |
| Noninterest income to average assets | 0.2493% | 5,101 |
| Noninterest expense to average assets | 2.3817% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5432% | 4,527 |
| Return on assets (ROA) | 0.5432% | 4,622 |
| Pretax return on assets | 0.8287% | 4,105 |
| Return on Equity (ROE) | 5.4872% | 4,289 |
| Retained earnings to average equity (ytd only) | 3.5505% | 3,536 |
| Net charge-offs to loans | -0.0074% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7459% | 3,444 |
| Assets per employee ($millions) | 4.3030% | 3,378 |
| Cash dividends to net income (ytd only)* | 35.2941% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7014% | 5,632 |
| Loan loss allowance to noncurrent loans | 1,546.1538% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 5,585 |
| Noncurrent loans to loans | 0.0454% | 5,335 |
| Net loans and leases to total assets | 60.1230% | 3,821 |
| Net loans and leases to deposits | 67.0373% | 4,218 |
| Net loans and leases to core deposits | 67.6750% | 4,468 |
| Total domestic deposits to total assets | 89.6858% | 760 |
| Equity capital to assets | 9.9423% | 4,030 |
| Core capital (leverage) ratio | 9.8050% | 3,759 |
| Tier 1 risk-based capital ratio | 14.6174% | 3,370 |
| Total risk-based capital ratio | 15.2431% | 3,645 |
| Memoranda: | ||
| Average total assets | $46,940,600 | 5,612 |
| Average earning assets | $44,041,200 | 5,578 |
| Average equity | $4,647,200 | 5,730 |
| Average total loans | $27,060,000 | 5,479 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4398% | 5,118 |
| Cost of funding earning assets | 0.2783% | 4,581 |
| Net interest margin | 3.1615% | 4,798 |
| Noninterest income to average assets | 0.2476% | 5,158 |
| Noninterest expense to average assets | 2.2799% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5380% | 4,639 |
| Return on assets (ROA) | 0.5380% | 4,739 |
| Pretax return on assets | 0.9421% | 3,844 |
| Return on Equity (ROE) | 5.4396% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.4396% | 2,618 |
| Net charge-offs to loans | -0.0100% | 4,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2827% | 4,016 |
| Assets per employee ($millions) | 4.3835% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7422% | 5,638 |
| Loan loss allowance to noncurrent loans | 515.3846% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 5,433 |
| Noncurrent loans to loans | 0.1440% | 5,064 |
| Net loans and leases to total assets | 55.7436% | 4,385 |
| Net loans and leases to deposits | 62.0361% | 4,718 |
| Net loans and leases to core deposits | 62.6141% | 4,892 |
| Total domestic deposits to total assets | 89.8567% | 637 |
| Equity capital to assets | 9.8073% | 4,384 |
| Core capital (leverage) ratio | 10.0121% | 3,612 |
| Tier 1 risk-based capital ratio | 15.3263% | 3,129 |
| Total risk-based capital ratio | 15.9802% | 3,371 |
| Memoranda: | ||
| Average total assets | $46,842,500 | 5,684 |
| Average earning assets | $44,070,750 | 5,652 |
| Average equity | $4,632,500 | 5,814 |
| Average total loans | $26,660,250 | 5,559 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4358% | 5,145 |
| Cost of funding earning assets | 0.2692% | 4,730 |
| Net interest margin | 3.1666% | 4,761 |
| Noninterest income to average assets | 0.2501% | 5,158 |
| Noninterest expense to average assets | 2.3112% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5131% | 4,711 |
| Return on assets (ROA) | 0.5131% | 4,820 |
| Pretax return on assets | 0.9314% | 3,839 |
| Return on Equity (ROE) | 5.1735% | 4,536 |
| Retained earnings to average equity (ytd only) | 5.1735% | 2,746 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8245% | 4,044 |
| Assets per employee ($millions) | 4.2366% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7243% | 5,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 58.5284% | 4,036 |
| Net loans and leases to deposits | 65.2676% | 4,408 |
| Net loans and leases to core deposits | 65.8984% | 4,667 |
| Total domestic deposits to total assets | 89.6745% | 800 |
| Equity capital to assets | 9.9972% | 4,047 |
| Core capital (leverage) ratio | 9.7517% | 3,936 |
| Tier 1 risk-based capital ratio | 15.1587% | 3,271 |
| Total risk-based capital ratio | 15.8096% | 3,528 |
| Memoranda: | ||
| Average total assets | $46,383,670 | 5,759 |
| Average earning assets | $43,833,000 | 5,718 |
| Average equity | $4,600,330 | 5,880 |
| Average total loans | $26,520,330 | 5,608 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3456% | 5,337 |
| Cost of funding earning assets | 0.2461% | 5,060 |
| Net interest margin | 3.0995% | 4,955 |
| Noninterest income to average assets | 0.2075% | 5,472 |
| Noninterest expense to average assets | 2.2388% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5186% | 4,589 |
| Return on assets (ROA) | 0.5186% | 4,709 |
| Pretax return on assets | 0.9076% | 3,859 |
| Return on Equity (ROE) | 5.2505% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.2505% | 2,917 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6593% | 4,215 |
| Assets per employee ($millions) | 4.1867% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7718% | 5,752 |
| Loan loss allowance to noncurrent loans | 251.8987% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 5,267 |
| Noncurrent loans to loans | 0.3064% | 4,691 |
| Net loans and leases to total assets | 55.5565% | 4,256 |
| Net loans and leases to deposits | 61.9246% | 4,577 |
| Net loans and leases to core deposits | 62.5299% | 4,811 |
| Total domestic deposits to total assets | 89.7164% | 893 |
| Equity capital to assets | 9.9904% | 4,159 |
| Core capital (leverage) ratio | 9.2468% | 4,655 |
| Tier 1 risk-based capital ratio | 15.4748% | 3,159 |
| Total risk-based capital ratio | 16.1489% | 3,423 |
| Memoranda: | ||
| Average total assets | $46,274,000 | 5,810 |
| Average earning assets | $43,878,000 | 5,758 |
| Average equity | $4,571,000 | 5,937 |
| Average total loans | $26,043,000 | 5,674 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2904% | 5,714 |
| Cost of funding earning assets | 0.2577% | 5,245 |
| Net interest margin | 3.0327% | 5,368 |
| Noninterest income to average assets | 0.2259% | 5,505 |
| Noninterest expense to average assets | 2.3650% | 4,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4865% | 4,867 |
| Return on assets (ROA) | 0.4865% | 4,952 |
| Pretax return on assets | 0.7232% | 4,540 |
| Return on Equity (ROE) | 5.0163% | 4,655 |
| Retained earnings to average equity (ytd only) | 3.8966% | 3,443 |
| Net charge-offs to loans | 0.0124% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 111.0000% | 477 |
| Efficiency ratio | 70.7454% | 3,426 |
| Assets per employee ($millions) | 4.2267% | 3,486 |
| Cash dividends to net income (ytd only)* | 22.3214% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7566% | 5,871 |
| Loan loss allowance to noncurrent loans | 710.7143% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 5,774 |
| Noncurrent loans to loans | 0.1065% | 5,471 |
| Net loans and leases to total assets | 56.1406% | 4,318 |
| Net loans and leases to deposits | 62.6263% | 4,669 |
| Net loans and leases to core deposits | 63.2331% | 4,895 |
| Total domestic deposits to total assets | 89.6438% | 904 |
| Equity capital to assets | 9.7669% | 4,395 |
| Core capital (leverage) ratio | 9.7116% | 3,961 |
| Tier 1 risk-based capital ratio | 14.9675% | 3,501 |
| Total risk-based capital ratio | 15.6382% | 3,780 |
| Memoranda: | ||
| Average total assets | $46,046,000 | 5,882 |
| Average earning assets | $43,460,000 | 5,841 |
| Average equity | $4,465,400 | 5,995 |
| Average total loans | $24,289,200 | 5,807 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2979% | 5,774 |
| Cost of funding earning assets | 0.2558% | 5,345 |
| Net interest margin | 3.0421% | 5,397 |
| Noninterest income to average assets | 0.2206% | 5,610 |
| Noninterest expense to average assets | 2.2670% | 5,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4731% | 4,981 |
| Return on assets (ROA) | 0.4731% | 5,061 |
| Pretax return on assets | 0.8185% | 4,294 |
| Return on Equity (ROE) | 4.8877% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.8877% | 3,165 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5447% | 3,933 |
| Assets per employee ($millions) | 4.1275% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 5,833 |
| Loan loss allowance to noncurrent loans | 3,350.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 6,128 |
| Noncurrent loans to loans | 0.0244% | 5,926 |
| Net loans and leases to total assets | 53.7233% | 4,608 |
| Net loans and leases to deposits | 60.1425% | 4,926 |
| Net loans and leases to core deposits | 60.1425% | 5,179 |
| Total domestic deposits to total assets | 89.3267% | 1,061 |
| Equity capital to assets | 9.9751% | 4,188 |
| Core capital (leverage) ratio | 9.6849% | 4,102 |
| Tier 1 risk-based capital ratio | 14.9522% | 3,616 |
| Total risk-based capital ratio | 15.6337% | 3,898 |
| Memoranda: | ||
| Average total assets | $45,934,000 | 5,951 |
| Average earning assets | $43,258,750 | 5,915 |
| Average equity | $4,446,500 | 6,062 |
| Average total loans | $23,786,250 | 5,892 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2607% | 5,854 |
| Cost of funding earning assets | 0.2537% | 5,448 |
| Net interest margin | 3.0071% | 5,502 |
| Noninterest income to average assets | 0.2125% | 5,680 |
| Noninterest expense to average assets | 2.2381% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4684% | 4,934 |
| Return on assets (ROA) | 0.4684% | 5,009 |
| Pretax return on assets | 0.8024% | 4,253 |
| Return on Equity (ROE) | 4.8880% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.8880% | 3,027 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6177% | 4,082 |
| Assets per employee ($millions) | 4.6026% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8303% | 5,904 |
| Loan loss allowance to noncurrent loans | 6,700.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 6,240 |
| Noncurrent loans to loans | 0.0124% | 6,046 |
| Net loans and leases to total assets | 52.1575% | 4,733 |
| Net loans and leases to deposits | 58.7979% | 4,971 |
| Net loans and leases to core deposits | 58.7979% | 5,215 |
| Total domestic deposits to total assets | 88.7064% | 1,531 |
| Equity capital to assets | 9.7206% | 4,461 |
| Core capital (leverage) ratio | 9.3065% | 4,578 |
| Tier 1 risk-based capital ratio | 15.4465% | 3,383 |
| Total risk-based capital ratio | 16.1626% | 3,627 |
| Memoranda: | ||
| Average total assets | $46,111,000 | 6,004 |
| Average earning assets | $43,364,670 | 5,965 |
| Average equity | $4,419,000 | 6,114 |
| Average total loans | $23,517,330 | 5,948 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1976% | 6,005 |
| Cost of funding earning assets | 0.2588% | 5,511 |
| Net interest margin | 2.9388% | 5,672 |
| Noninterest income to average assets | 0.1733% | 5,932 |
| Noninterest expense to average assets | 2.2100% | 5,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4247% | 5,024 |
| Return on assets (ROA) | 0.4247% | 5,090 |
| Pretax return on assets | 0.7193% | 4,419 |
| Return on Equity (ROE) | 4.4632% | 4,814 |
| Retained earnings to average equity (ytd only) | 4.4632% | 3,444 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8225% | 3,870 |
| Assets per employee ($millions) | 4.2965% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 5,971 |
| Loan loss allowance to noncurrent loans | 5,025.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 6,309 |
| Noncurrent loans to loans | 0.0172% | 6,117 |
| Net loans and leases to total assets | 48.8521% | 5,020 |
| Net loans and leases to deposits | 54.0032% | 5,287 |
| Net loans and leases to core deposits | 54.0032% | 5,500 |
| Total domestic deposits to total assets | 90.4615% | 822 |
| Equity capital to assets | 9.3439% | 4,709 |
| Core capital (leverage) ratio | 9.0989% | 4,874 |
| Tier 1 risk-based capital ratio | 14.7447% | 3,859 |
| Total risk-based capital ratio | 15.4405% | 4,146 |
| Memoranda: | ||
| Average total assets | $46,153,500 | 6,064 |
| Average earning assets | $43,282,500 | 6,021 |
| Average equity | $4,391,500 | 6,163 |
| Average total loans | $23,172,500 | 6,014 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4022% | 5,834 |
| Cost of funding earning assets | 0.3225% | 5,398 |
| Net interest margin | 3.0796% | 5,375 |
| Noninterest income to average assets | 0.2816% | 5,346 |
| Noninterest expense to average assets | 2.2080% | 5,605 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6257% | 4,130 |
| Return on assets (ROA) | 0.6257% | 4,246 |
| Pretax return on assets | 0.9542% | 3,541 |
| Return on Equity (ROE) | 6.4980% | 3,835 |
| Retained earnings to average equity (ytd only) | 4.0613% | 3,296 |
| Net charge-offs to loans | -0.0045% | 5,915 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4523% | 4,829 |
| Assets per employee ($millions) | 4.0951% | 3,667 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 6,001 |
| Loan loss allowance to noncurrent loans | 5,025.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 6,399 |
| Noncurrent loans to loans | 0.0173% | 6,218 |
| Net loans and leases to total assets | 50.7370% | 4,999 |
| Net loans and leases to deposits | 56.2862% | 5,277 |
| Net loans and leases to core deposits | 56.2862% | 5,512 |
| Total domestic deposits to total assets | 90.1412% | 1,011 |
| Equity capital to assets | 9.6945% | 4,170 |
| Core capital (leverage) ratio | 9.2762% | 4,595 |
| Tier 1 risk-based capital ratio | 15.5666% | 3,331 |
| Total risk-based capital ratio | 16.3132% | 3,572 |
| Memoranda: | ||
| Average total assets | $44,747,200 | 6,155 |
| Average earning assets | $41,855,600 | 6,116 |
| Average equity | $4,309,000 | 6,261 |
| Average total loans | $22,419,600 | 6,100 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4111% | 5,860 |
| Cost of funding earning assets | 0.3386% | 5,401 |
| Net interest margin | 3.0725% | 5,392 |
| Noninterest income to average assets | 0.2746% | 5,479 |
| Noninterest expense to average assets | 2.0415% | 5,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6745% | 3,987 |
| Return on assets (ROA) | 0.6745% | 4,131 |
| Pretax return on assets | 1.1043% | 3,097 |
| Return on Equity (ROE) | 7.0166% | 3,637 |
| Retained earnings to average equity (ytd only) | 7.0166% | 1,865 |
| Net charge-offs to loans | -0.0060% | 5,805 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4877% | 5,501 |
| Assets per employee ($millions) | 4.0760% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 6,093 |
| Loan loss allowance to noncurrent loans | 386.5385% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 6,089 |
| Noncurrent loans to loans | 0.2290% | 5,660 |
| Net loans and leases to total assets | 50.1985% | 5,117 |
| Net loans and leases to deposits | 55.7753% | 5,391 |
| Net loans and leases to core deposits | 55.7753% | 5,642 |
| Total domestic deposits to total assets | 90.0013% | 996 |
| Equity capital to assets | 9.8559% | 4,102 |
| Core capital (leverage) ratio | 9.3466% | 4,622 |
| Tier 1 risk-based capital ratio | 15.7777% | 3,313 |
| Total risk-based capital ratio | 16.5285% | 3,529 |
| Memoranda: | ||
| Average total assets | $44,672,500 | 6,229 |
| Average earning assets | $41,745,000 | 6,188 |
| Average equity | $4,294,500 | 6,337 |
| Average total loans | $22,260,500 | 6,172 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 5,902 |
| Cost of funding earning assets | 0.3556% | 5,348 |
| Net interest margin | 3.0465% | 5,441 |
| Noninterest income to average assets | 0.2645% | 5,563 |
| Noninterest expense to average assets | 2.2681% | 5,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5245% | 4,698 |
| Return on assets (ROA) | 0.5245% | 4,864 |
| Pretax return on assets | 0.8382% | 4,165 |
| Return on Equity (ROE) | 5.5020% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.5020% | 2,740 |
| Net charge-offs to loans | -0.0090% | 5,750 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5325% | 4,258 |
| Assets per employee ($millions) | 4.1382% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 6,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 47.1529% | 5,413 |
| Net loans and leases to deposits | 52.1693% | 5,676 |
| Net loans and leases to core deposits | 52.1693% | 5,875 |
| Total domestic deposits to total assets | 90.3844% | 816 |
| Equity capital to assets | 9.4662% | 4,627 |
| Core capital (leverage) ratio | 8.8390% | 5,234 |
| Tier 1 risk-based capital ratio | 15.9246% | 3,242 |
| Total risk-based capital ratio | 16.7062% | 3,463 |
| Memoranda: | ||
| Average total assets | $44,618,000 | 6,271 |
| Average earning assets | $41,621,330 | 6,236 |
| Average equity | $4,253,000 | 6,395 |
| Average total loans | $22,111,330 | 6,220 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4221% | 5,893 |
| Cost of funding earning assets | 0.3694% | 5,375 |
| Net interest margin | 3.0527% | 5,421 |
| Noninterest income to average assets | 0.2264% | 5,844 |
| Noninterest expense to average assets | 2.3094% | 5,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5887% | 4,277 |
| Return on assets (ROA) | 0.5887% | 4,424 |
| Pretax return on assets | 0.7607% | 4,327 |
| Return on Equity (ROE) | 6.1538% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.1538% | 2,596 |
| Net charge-offs to loans | -0.0179% | 5,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6165% | 4,035 |
| Assets per employee ($millions) | 4.5802% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 6,192 |
| Loan loss allowance to noncurrent loans | 1,827.2727% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 6,541 |
| Noncurrent loans to loans | 0.0507% | 6,328 |
| Net loans and leases to total assets | 46.9237% | 5,337 |
| Net loans and leases to deposits | 51.8104% | 5,639 |
| Net loans and leases to core deposits | 52.1321% | 5,814 |
| Total domestic deposits to total assets | 90.5681% | 733 |
| Equity capital to assets | 9.2965% | 5,136 |
| Core capital (leverage) ratio | 8.8237% | 5,147 |
| Tier 1 risk-based capital ratio | 15.6550% | 3,449 |
| Total risk-based capital ratio | 16.4366% | 3,666 |
| Memoranda: | ||
| Average total assets | $44,167,000 | 6,343 |
| Average earning assets | $41,144,500 | 6,307 |
| Average equity | $4,225,000 | 6,462 |
| Average total loans | $22,334,500 | 6,256 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9517% | 5,432 |
| Cost of funding earning assets | 0.4727% | 5,402 |
| Net interest margin | 3.4791% | 4,587 |
| Noninterest income to average assets | 0.2644% | 5,570 |
| Noninterest expense to average assets | 2.4593% | 5,226 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6996% | 3,743 |
| Return on assets (ROA) | 0.6996% | 3,993 |
| Pretax return on assets | 1.0433% | 3,384 |
| Return on Equity (ROE) | 7.0617% | 3,605 |
| Retained earnings to average equity (ytd only) | 4.3924% | 3,137 |
| Net charge-offs to loans | -0.0044% | 6,377 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0652% | 4,691 |
| Assets per employee ($millions) | 4.2532% | 3,454 |
| Cash dividends to net income (ytd only)* | 37.8007% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 6,333 |
| Loan loss allowance to noncurrent loans | 2,233.3333% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 6,613 |
| Noncurrent loans to loans | 0.0392% | 6,410 |
| Net loans and leases to total assets | 53.5479% | 4,679 |
| Net loans and leases to deposits | 59.4849% | 5,076 |
| Net loans and leases to core deposits | 59.8838% | 5,370 |
| Total domestic deposits to total assets | 90.0193% | 940 |
| Equity capital to assets | 9.8561% | 4,370 |
| Core capital (leverage) ratio | 9.2135% | 4,557 |
| Tier 1 risk-based capital ratio | 15.3771% | 3,497 |
| Total risk-based capital ratio | 16.1614% | 3,718 |
| Memoranda: | ||
| Average total assets | $41,597,800 | 6,447 |
| Average earning assets | $38,717,400 | 6,407 |
| Average equity | $4,120,800 | 6,540 |
| Average total loans | $22,649,600 | 6,316 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9200% | 5,737 |
| Cost of funding earning assets | 0.4974% | 5,449 |
| Net interest margin | 3.4226% | 4,958 |
| Noninterest income to average assets | 0.2643% | 5,664 |
| Noninterest expense to average assets | 2.4271% | 5,318 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6124% | 4,337 |
| Return on assets (ROA) | 0.6124% | 4,592 |
| Pretax return on assets | 1.0089% | 3,673 |
| Return on Equity (ROE) | 6.1743% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.5243% | 3,020 |
| Net charge-offs to loans | -0.0059% | 6,290 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2908% | 4,574 |
| Assets per employee ($millions) | 4.2167% | 3,431 |
| Cash dividends to net income (ytd only)* | 10.5278% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 6,403 |
| Loan loss allowance to noncurrent loans | 75.2809% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6332% | 5,087 |
| Noncurrent loans to loans | 1.1849% | 4,084 |
| Net loans and leases to total assets | 52.9608% | 4,921 |
| Net loans and leases to deposits | 58.8738% | 5,332 |
| Net loans and leases to core deposits | 59.2722% | 5,628 |
| Total domestic deposits to total assets | 89.9566% | 872 |
| Equity capital to assets | 9.9153% | 4,629 |
| Core capital (leverage) ratio | 9.4295% | 4,375 |
| Tier 1 risk-based capital ratio | 15.3607% | 3,617 |
| Total risk-based capital ratio | 16.1502% | 3,876 |
| Memoranda: | ||
| Average total assets | $41,364,250 | 6,535 |
| Average earning assets | $38,332,000 | 6,497 |
| Average equity | $4,103,000 | 6,617 |
| Average total loans | $22,568,000 | 6,392 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9883% | 5,680 |
| Cost of funding earning assets | 0.5177% | 5,499 |
| Net interest margin | 3.4706% | 4,798 |
| Noninterest income to average assets | 0.2823% | 5,557 |
| Noninterest expense to average assets | 2.4528% | 5,285 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6424% | 4,149 |
| Return on assets (ROA) | 0.6424% | 4,402 |
| Pretax return on assets | 1.0268% | 3,609 |
| Return on Equity (ROE) | 6.4753% | 4,059 |
| Retained earnings to average equity (ytd only) | 6.4753% | 2,395 |
| Net charge-offs to loans | -0.0089% | 6,264 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1748% | 4,692 |
| Assets per employee ($millions) | 4.0745% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 6,420 |
| Loan loss allowance to noncurrent loans | 78.5156% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 5,202 |
| Noncurrent loans to loans | 1.1658% | 4,208 |
| Net loans and leases to total assets | 53.4029% | 4,895 |
| Net loans and leases to deposits | 59.5240% | 5,290 |
| Net loans and leases to core deposits | 59.9405% | 5,595 |
| Total domestic deposits to total assets | 89.7165% | 1,095 |
| Equity capital to assets | 10.1681% | 4,100 |
| Core capital (leverage) ratio | 9.2602% | 4,514 |
| Tier 1 risk-based capital ratio | 15.6146% | 3,381 |
| Total risk-based capital ratio | 16.4290% | 3,612 |
| Memoranda: | ||
| Average total assets | $41,096,670 | 6,586 |
| Average earning assets | $37,861,000 | 6,559 |
| Average equity | $4,077,000 | 6,659 |
| Average total loans | $22,579,670 | 6,434 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 5,755 |
| Cost of funding earning assets | 0.5263% | 5,626 |
| Net interest margin | 3.4737% | 4,817 |
| Noninterest income to average assets | 0.2229% | 6,022 |
| Noninterest expense to average assets | 2.5101% | 5,118 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6397% | 4,175 |
| Return on assets (ROA) | 0.6397% | 4,385 |
| Pretax return on assets | 0.9110% | 3,992 |
| Return on Equity (ROE) | 6.5282% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.5282% | 2,666 |
| Net charge-offs to loans | -0.0175% | 6,128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9887% | 4,172 |
| Assets per employee ($millions) | 4.1959% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 6,517 |
| Loan loss allowance to noncurrent loans | 65.5738% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 0.7269% | 5,094 |
| Noncurrent loans to loans | 1.3832% | 4,042 |
| Net loans and leases to total assets | 52.0770% | 5,016 |
| Net loans and leases to deposits | 57.7885% | 5,401 |
| Net loans and leases to core deposits | 58.5928% | 5,664 |
| Total domestic deposits to total assets | 90.1165% | 1,018 |
| Equity capital to assets | 9.7166% | 4,500 |
| Core capital (leverage) ratio | 8.9802% | 4,873 |
| Tier 1 risk-based capital ratio | 14.6397% | 3,993 |
| Total risk-based capital ratio | 15.4166% | 4,315 |
| Memoranda: | ||
| Average total assets | $41,272,500 | 6,634 |
| Average earning assets | $38,000,000 | 6,602 |
| Average equity | $4,044,000 | 6,704 |
| Average total loans | $22,889,500 | 6,467 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 6,112 |
| Cost of funding earning assets | 0.6307% | 5,923 |
| Net interest margin | 3.5493% | 4,939 |
| Noninterest income to average assets | 0.2782% | 5,538 |
| Noninterest expense to average assets | 2.6440% | 4,944 |
| Loan and lease loss provision to assets | 0.0150% | 6,363 |
| Net operating income to assets | 0.6015% | 3,994 |
| Return on assets (ROA) | 0.6015% | 4,183 |
| Pretax return on assets | 0.8772% | 3,681 |
| Return on Equity (ROE) | 6.0874% | 3,826 |
| Retained earnings to average equity (ytd only) | 4.4387% | 3,013 |
| Net charge-offs to loans | -0.0675% | 7,089 |
| Credit loss provision to net charge-offs | -40.0000% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4543% | 4,062 |
| Assets per employee ($millions) | 3.6896% | 4,574 |
| Cash dividends to net income (ytd only)* | 27.0833% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 6,661 |
| Loan loss allowance to noncurrent loans | 65.5738% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 0.7515% | 5,142 |
| Noncurrent loans to loans | 1.2854% | 4,225 |
| Net loans and leases to total assets | 57.9707% | 4,375 |
| Net loans and leases to deposits | 64.4356% | 4,950 |
| Net loans and leases to core deposits | 65.3628% | 5,337 |
| Total domestic deposits to total assets | 89.9670% | 1,014 |
| Equity capital to assets | 9.8827% | 4,325 |
| Core capital (leverage) ratio | 9.0496% | 4,695 |
| Tier 1 risk-based capital ratio | 13.6586% | 4,581 |
| Total risk-based capital ratio | 14.4001% | 4,935 |
| Memoranda: | ||
| Average total assets | $39,901,000 | 6,679 |
| Average earning assets | $36,627,000 | 6,651 |
| Average equity | $3,942,600 | 6,767 |
| Average total loans | $22,214,400 | 6,543 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 6,281 |
| Cost of funding earning assets | 0.6476% | 6,046 |
| Net interest margin | 3.5198% | 5,108 |
| Noninterest income to average assets | 0.2920% | 5,522 |
| Noninterest expense to average assets | 2.5404% | 5,312 |
| Loan and lease loss provision to assets | 0.0201% | 6,186 |
| Net operating income to assets | 0.6276% | 3,978 |
| Return on assets (ROA) | 0.6276% | 4,158 |
| Pretax return on assets | 0.9598% | 3,556 |
| Return on Equity (ROE) | 6.3515% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.3515% | 2,327 |
| Net charge-offs to loans | -0.0916% | 7,152 |
| Credit loss provision to net charge-offs | -40.0000% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7302% | 4,580 |
| Assets per employee ($millions) | 3.6793% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 6,652 |
| Loan loss allowance to noncurrent loans | 65.3595% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 5,266 |
| Noncurrent loans to loans | 1.3506% | 4,280 |
| Net loans and leases to total assets | 55.4877% | 4,921 |
| Net loans and leases to deposits | 61.7137% | 5,441 |
| Net loans and leases to core deposits | 62.6031% | 5,759 |
| Total domestic deposits to total assets | 89.9115% | 912 |
| Equity capital to assets | 9.9377% | 4,426 |
| Core capital (leverage) ratio | 9.4627% | 4,207 |
| Tier 1 risk-based capital ratio | 14.1734% | 4,219 |
| Total risk-based capital ratio | 14.9443% | 4,547 |
| Memoranda: | ||
| Average total assets | $39,729,750 | 6,741 |
| Average earning assets | $36,440,750 | 6,721 |
| Average equity | $3,925,500 | 6,824 |
| Average total loans | $21,836,000 | 6,626 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 6,451 |
| Cost of funding earning assets | 0.6609% | 6,167 |
| Net interest margin | 3.4574% | 5,329 |
| Noninterest income to average assets | 0.2786% | 5,656 |
| Noninterest expense to average assets | 2.5480% | 5,363 |
| Loan and lease loss provision to assets | 0.0304% | 5,927 |
| Net operating income to assets | 0.6129% | 3,995 |
| Return on assets (ROA) | 0.6129% | 4,127 |
| Pretax return on assets | 0.9067% | 3,586 |
| Return on Equity (ROE) | 6.2158% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.2158% | 2,286 |
| Net charge-offs to loans | -0.1299% | 7,216 |
| Credit loss provision to net charge-offs | -42.8571% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5872% | 4,591 |
| Assets per employee ($millions) | 3.5772% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 6,665 |
| Loan loss allowance to noncurrent loans | 77.3438% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 5,601 |
| Noncurrent loans to loans | 1.1608% | 4,719 |
| Net loans and leases to total assets | 55.5414% | 5,062 |
| Net loans and leases to deposits | 61.8824% | 5,516 |
| Net loans and leases to core deposits | 62.7981% | 5,826 |
| Total domestic deposits to total assets | 89.7532% | 1,094 |
| Equity capital to assets | 10.0536% | 4,072 |
| Core capital (leverage) ratio | 9.0613% | 4,627 |
| Tier 1 risk-based capital ratio | 14.2212% | 4,000 |
| Total risk-based capital ratio | 15.0051% | 4,312 |
| Memoranda: | ||
| Average total assets | $39,482,330 | 6,807 |
| Average earning assets | $36,617,330 | 6,775 |
| Average equity | $3,893,330 | 6,877 |
| Average total loans | $21,562,330 | 6,716 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0546% | 6,595 |
| Cost of funding earning assets | 0.6867% | 6,214 |
| Net interest margin | 3.3679% | 5,549 |
| Noninterest income to average assets | 0.2225% | 6,143 |
| Noninterest expense to average assets | 2.5791% | 5,300 |
| Loan and lease loss provision to assets | 0.0607% | 5,242 |
| Net operating income to assets | 0.5462% | 4,286 |
| Return on assets (ROA) | 0.5462% | 4,369 |
| Pretax return on assets | 0.7080% | 4,276 |
| Return on Equity (ROE) | 5.5930% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.5930% | 2,856 |
| Net charge-offs to loans | -0.1689% | 7,228 |
| Credit loss provision to net charge-offs | -66.6667% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2991% | 3,988 |
| Assets per employee ($millions) | 3.6788% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 6,645 |
| Loan loss allowance to noncurrent loans | 75.7813% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 5,688 |
| Noncurrent loans to loans | 1.2171% | 4,648 |
| Net loans and leases to total assets | 51.4963% | 5,649 |
| Net loans and leases to deposits | 57.0932% | 6,014 |
| Net loans and leases to core deposits | 57.5091% | 6,305 |
| Total domestic deposits to total assets | 90.1970% | 1,028 |
| Equity capital to assets | 9.6103% | 4,302 |
| Core capital (leverage) ratio | 8.7799% | 4,956 |
| Tier 1 risk-based capital ratio | 13.9381% | 4,115 |
| Total risk-based capital ratio | 14.7094% | 4,430 |
| Memoranda: | ||
| Average total assets | $39,549,000 | 6,849 |
| Average earning assets | $36,699,500 | 6,818 |
| Average equity | $3,862,000 | 6,918 |
| Average total loans | $21,317,000 | 6,781 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 6,417 |
| Cost of funding earning assets | 0.9029% | 6,167 |
| Net interest margin | 3.5893% | 4,868 |
| Noninterest income to average assets | 0.3003% | 5,646 |
| Noninterest expense to average assets | 2.6951% | 5,012 |
| Loan and lease loss provision to assets | 0.0932% | 6,210 |
| Net operating income to assets | 0.5825% | 3,745 |
| Return on assets (ROA) | 0.5825% | 3,908 |
| Pretax return on assets | 0.8259% | 3,548 |
| Return on Equity (ROE) | 5.9473% | 3,633 |
| Retained earnings to average equity (ytd only) | 4.0971% | 2,990 |
| Net charge-offs to loans | 0.1171% | 5,707 |
| Credit loss provision to net charge-offs | 144.0000% | 2,588 |
| Earnings coverage of net charge-offs (x) | 14.2000% | 1,360 |
| Efficiency ratio | 69.1977% | 4,340 |
| Assets per employee ($millions) | 3.5119% | 4,913 |
| Cash dividends to net income (ytd only)* | 31.1111% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8287% | 6,911 |
| Loan loss allowance to noncurrent loans | 69.6498% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6653% | 5,671 |
| Noncurrent loans to loans | 1.1898% | 4,727 |
| Net loans and leases to total assets | 55.4529% | 5,422 |
| Net loans and leases to deposits | 61.6975% | 5,873 |
| Net loans and leases to core deposits | 62.1684% | 6,223 |
| Total domestic deposits to total assets | 89.8786% | 1,176 |
| Equity capital to assets | 9.9273% | 3,846 |
| Core capital (leverage) ratio | 8.7145% | 4,993 |
| Tier 1 risk-based capital ratio | 13.6138% | 4,122 |
| Total risk-based capital ratio | 14.3237% | 4,502 |
| Memoranda: | ||
| Average total assets | $38,625,000 | 6,915 |
| Average earning assets | $35,661,800 | 6,888 |
| Average equity | $3,783,200 | 7,065 |
| Average total loans | $21,344,000 | 6,859 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5749% | 6,409 |
| Cost of funding earning assets | 0.9473% | 6,191 |
| Net interest margin | 3.6276% | 4,742 |
| Noninterest income to average assets | 0.2969% | 5,761 |
| Noninterest expense to average assets | 2.5752% | 5,415 |
| Loan and lease loss provision to assets | 0.0932% | 6,095 |
| Net operating income to assets | 0.6628% | 3,590 |
| Return on assets (ROA) | 0.6628% | 3,754 |
| Pretax return on assets | 0.9596% | 3,332 |
| Return on Equity (ROE) | 6.7897% | 3,434 |
| Retained earnings to average equity (ytd only) | 6.0826% | 2,312 |
| Net charge-offs to loans | 0.1629% | 5,018 |
| Credit loss provision to net charge-offs | 103.8462% | 4,130 |
| Earnings coverage of net charge-offs (x) | 11.7294% | 1,757 |
| Efficiency ratio | 65.5566% | 4,954 |
| Assets per employee ($millions) | 3.5301% | 4,899 |
| Cash dividends to net income (ytd only)* | 10.4184% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8026% | 6,996 |
| Loan loss allowance to noncurrent loans | 34.3496% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 1.2670% | 4,612 |
| Noncurrent loans to loans | 2.3365% | 3,302 |
| Net loans and leases to total assets | 53.7921% | 5,879 |
| Net loans and leases to deposits | 59.8561% | 6,328 |
| Net loans and leases to core deposits | 59.8561% | 6,619 |
| Total domestic deposits to total assets | 89.8689% | 946 |
| Equity capital to assets | 9.9199% | 4,265 |
| Core capital (leverage) ratio | 9.0397% | 4,621 |
| Tier 1 risk-based capital ratio | 13.8074% | 3,977 |
| Total risk-based capital ratio | 14.4875% | 4,368 |
| Memoranda: | ||
| Average total assets | $38,623,500 | 6,997 |
| Average earning assets | $35,468,000 | 6,977 |
| Average equity | $3,770,250 | 7,158 |
| Average total loans | $21,279,750 | 6,950 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 6,531 |
| Cost of funding earning assets | 0.9814% | 6,233 |
| Net interest margin | 3.5927% | 4,846 |
| Noninterest income to average assets | 0.3061% | 5,714 |
| Noninterest expense to average assets | 2.5782% | 5,416 |
| Loan and lease loss provision to assets | 0.0934% | 5,981 |
| Net operating income to assets | 0.7107% | 3,357 |
| Return on assets (ROA) | 0.7107% | 3,515 |
| Pretax return on assets | 0.9389% | 3,349 |
| Return on Equity (ROE) | 7.3203% | 3,176 |
| Retained earnings to average equity (ytd only) | 6.2517% | 2,200 |
| Net charge-offs to loans | 0.2716% | 3,982 |
| Credit loss provision to net charge-offs | 62.0690% | 5,166 |
| Earnings coverage of net charge-offs (x) | 6.8621% | 2,395 |
| Efficiency ratio | 65.9483% | 4,990 |
| Assets per employee ($millions) | 3.4803% | 4,967 |
| Cash dividends to net income (ytd only)* | 14.5985% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7393% | 7,172 |
| Loan loss allowance to noncurrent loans | 18.1503% | 7,024 |
| Noncurrent assets plus other real estate owned to assets | 2.2595% | 3,186 |
| Noncurrent loans to loans | 4.0731% | 1,854 |
| Net loans and leases to total assets | 55.0636% | 5,833 |
| Net loans and leases to deposits | 61.2488% | 6,289 |
| Net loans and leases to core deposits | 61.2488% | 6,615 |
| Total domestic deposits to total assets | 89.9015% | 969 |
| Equity capital to assets | 9.9209% | 4,111 |
| Core capital (leverage) ratio | 8.6941% | 5,084 |
| Tier 1 risk-based capital ratio | 13.5929% | 4,007 |
| Total risk-based capital ratio | 14.2285% | 4,425 |
| Memoranda: | ||
| Average total assets | $38,554,330 | 7,045 |
| Average earning assets | $35,460,330 | 7,024 |
| Average equity | $3,743,000 | 7,200 |
| Average total loans | $21,354,000 | 6,998 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6123% | 6,526 |
| Cost of funding earning assets | 1.0287% | 6,236 |
| Net interest margin | 3.5835% | 4,797 |
| Noninterest income to average assets | 0.2791% | 5,910 |
| Noninterest expense to average assets | 2.6570% | 5,116 |
| Loan and lease loss provision to assets | 0.0930% | 5,703 |
| Net operating income to assets | 0.7237% | 3,338 |
| Return on assets (ROA) | 0.7237% | 3,451 |
| Pretax return on assets | 0.8064% | 3,841 |
| Return on Equity (ROE) | 7.5360% | 3,093 |
| Retained earnings to average equity (ytd only) | 7.5360% | 1,905 |
| Net charge-offs to loans | 0.5604% | 2,400 |
| Credit loss provision to net charge-offs | 30.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | 2.9000% | 3,101 |
| Efficiency ratio | 69.1860% | 4,475 |
| Assets per employee ($millions) | 3.5811% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7095% | 7,324 |
| Loan loss allowance to noncurrent loans | 19.0661% | 7,060 |
| Noncurrent assets plus other real estate owned to assets | 1.9573% | 3,552 |
| Noncurrent loans to loans | 3.7212% | 2,138 |
| Net loans and leases to total assets | 52.2238% | 6,246 |
| Net loans and leases to deposits | 57.8857% | 6,630 |
| Net loans and leases to core deposits | 57.8857% | 6,886 |
| Total domestic deposits to total assets | 90.2188% | 877 |
| Equity capital to assets | 9.5222% | 4,501 |
| Core capital (leverage) ratio | 8.5101% | 5,352 |
| Tier 1 risk-based capital ratio | 13.3938% | 4,050 |
| Total risk-based capital ratio | 13.9917% | 4,486 |
| Memoranda: | ||
| Average total assets | $38,690,000 | 7,130 |
| Average earning assets | $35,384,000 | 7,114 |
| Average equity | $3,715,500 | 7,282 |
| Average total loans | $21,412,500 | 7,079 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0863% | 6,141 |
| Cost of funding earning assets | 1.4061% | 5,910 |
| Net interest margin | 3.6801% | 4,218 |
| Noninterest income to average assets | 0.3441% | 5,631 |
| Noninterest expense to average assets | 2.8038% | 4,963 |
| Loan and lease loss provision to assets | 0.1747% | 5,950 |
| Net operating income to assets | 0.5457% | 3,547 |
| Return on assets (ROA) | 0.5457% | 3,637 |
| Pretax return on assets | 0.7285% | 3,477 |
| Return on Equity (ROE) | 5.5763% | 3,387 |
| Retained earnings to average equity (ytd only) | 3.9281% | 2,461 |
| Net charge-offs to loans | 0.4515% | 3,975 |
| Credit loss provision to net charge-offs | 67.0103% | 6,544 |
| Earnings coverage of net charge-offs (x) | 3.4639% | 3,334 |
| Efficiency ratio | 70.1958% | 4,584 |
| Assets per employee ($millions) | 3.1657% | 5,806 |
| Cash dividends to net income (ytd only)* | 29.5567% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7600% | 7,232 |
| Loan loss allowance to noncurrent loans | 21.8182% | 6,968 |
| Noncurrent assets plus other real estate owned to assets | 2.0270% | 3,367 |
| Noncurrent loans to loans | 3.4832% | 2,181 |
| Net loans and leases to total assets | 57.7498% | 5,697 |
| Net loans and leases to deposits | 64.1143% | 6,251 |
| Net loans and leases to core deposits | 71.6624% | 6,678 |
| Total domestic deposits to total assets | 90.0732% | 926 |
| Equity capital to assets | 9.6873% | 4,157 |
| Core capital (leverage) ratio | 8.6021% | 5,098 |
| Tier 1 risk-based capital ratio | 12.0116% | 4,936 |
| Total risk-based capital ratio | 12.6416% | 5,476 |
| Memoranda: | ||
| Average total assets | $37,200,000 | 7,204 |
| Average earning assets | $33,993,600 | 7,183 |
| Average equity | $3,640,400 | 7,407 |
| Average total loans | $21,483,200 | 7,116 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 6,156 |
| Cost of funding earning assets | 1.4768% | 5,927 |
| Net interest margin | 3.6586% | 4,238 |
| Noninterest income to average assets | 0.3423% | 5,756 |
| Noninterest expense to average assets | 2.6376% | 5,571 |
| Loan and lease loss provision to assets | 0.0829% | 6,541 |
| Net operating income to assets | 0.6378% | 3,461 |
| Return on assets (ROA) | 0.6378% | 3,529 |
| Pretax return on assets | 0.9692% | 2,996 |
| Return on Equity (ROE) | 6.5002% | 3,299 |
| Retained earnings to average equity (ytd only) | 6.5002% | 1,706 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9180% | 5,381 |
| Assets per employee ($millions) | 3.0390% | 6,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 5,945 |
| Loan loss allowance to noncurrent loans | 21.0227% | 7,041 |
| Noncurrent assets plus other real estate owned to assets | 2.8957% | 2,396 |
| Noncurrent loans to loans | 5.0563% | 1,292 |
| Net loans and leases to total assets | 56.6606% | 6,073 |
| Net loans and leases to deposits | 63.3116% | 6,558 |
| Net loans and leases to core deposits | 70.9045% | 6,914 |
| Total domestic deposits to total assets | 89.4949% | 965 |
| Equity capital to assets | 10.1843% | 3,864 |
| Core capital (leverage) ratio | 8.7336% | 5,075 |
| Tier 1 risk-based capital ratio | 12.8581% | 4,290 |
| Total risk-based capital ratio | 13.7452% | 4,498 |
| Memoranda: | ||
| Average total assets | $37,003,000 | 7,275 |
| Average earning assets | $33,855,250 | 7,255 |
| Average equity | $3,630,500 | 7,468 |
| Average total loans | $21,327,500 | 7,184 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1824% | 6,139 |
| Cost of funding earning assets | 1.5263% | 6,036 |
| Net interest margin | 3.6561% | 4,135 |
| Noninterest income to average assets | 0.3389% | 5,802 |
| Noninterest expense to average assets | 2.6142% | 5,689 |
| Loan and lease loss provision to assets | 0.0807% | 6,375 |
| Net operating income to assets | 0.6616% | 3,420 |
| Return on assets (ROA) | 0.6616% | 3,531 |
| Pretax return on assets | 0.9682% | 3,120 |
| Return on Equity (ROE) | 6.8283% | 3,274 |
| Retained earnings to average equity (ytd only) | 6.8283% | 1,650 |
| Net charge-offs to loans | -0.0093% | 7,598 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7856% | 5,585 |
| Assets per employee ($millions) | 3.1085% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 5,835 |
| Loan loss allowance to noncurrent loans | 50.5855% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 1.1447% | 4,656 |
| Noncurrent loans to loans | 2.0956% | 3,389 |
| Net loans and leases to total assets | 54.0454% | 6,446 |
| Net loans and leases to deposits | 60.1414% | 6,878 |
| Net loans and leases to core deposits | 66.6711% | 7,180 |
| Total domestic deposits to total assets | 89.8638% | 884 |
| Equity capital to assets | 9.8145% | 4,193 |
| Core capital (leverage) ratio | 8.3155% | 5,767 |
| Tier 1 risk-based capital ratio | 12.8173% | 4,274 |
| Total risk-based capital ratio | 13.6973% | 4,488 |
| Memoranda: | ||
| Average total assets | $37,181,330 | 7,328 |
| Average earning assets | $33,806,670 | 7,325 |
| Average equity | $3,602,670 | 7,539 |
| Average total loans | $21,475,000 | 7,244 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3723% | 5,564 |
| Cost of funding earning assets | 1.5949% | 6,049 |
| Net interest margin | 3.7774% | 3,546 |
| Noninterest income to average assets | 0.2586% | 6,376 |
| Noninterest expense to average assets | 2.7585% | 4,741 |
| Loan and lease loss provision to assets | -0.0862% | 8,202 |
| Net operating income to assets | 0.7543% | 3,333 |
| Return on assets (ROA) | 0.7543% | 3,507 |
| Pretax return on assets | 0.9806% | 3,417 |
| Return on Equity (ROE) | 7.8355% | 3,226 |
| Retained earnings to average equity (ytd only) | 7.8355% | 1,879 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9115% | 4,595 |
| Assets per employee ($millions) | 3.1262% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 6,332 |
| Loan loss allowance to noncurrent loans | 62.5378% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 0.8823% | 4,990 |
| Noncurrent loans to loans | 1.5629% | 3,938 |
| Net loans and leases to total assets | 55.9045% | 6,253 |
| Net loans and leases to deposits | 62.1135% | 6,730 |
| Net loans and leases to core deposits | 68.6841% | 7,100 |
| Total domestic deposits to total assets | 90.0037% | 798 |
| Equity capital to assets | 9.6177% | 4,499 |
| Core capital (leverage) ratio | 8.2777% | 5,946 |
| Tier 1 risk-based capital ratio | 12.3662% | 4,646 |
| Total risk-based capital ratio | 13.1990% | 4,911 |
| Memoranda: | ||
| Average total assets | $37,121,000 | 7,372 |
| Average earning assets | $33,356,500 | 7,388 |
| Average equity | $3,573,500 | 7,597 |
| Average total loans | $22,024,500 | 7,249 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1295% | 4,902 |
| Cost of funding earning assets | 2.2314% | 5,454 |
| Net interest margin | 3.8981% | 3,571 |
| Noninterest income to average assets | 0.2818% | 6,448 |
| Noninterest expense to average assets | 2.9604% | 4,226 |
| Loan and lease loss provision to assets | 0.1311% | 5,688 |
| Net operating income to assets | 0.5050% | 4,708 |
| Return on assets (ROA) | 0.5050% | 4,554 |
| Pretax return on assets | 0.8119% | 4,027 |
| Return on Equity (ROE) | 5.1532% | 4,309 |
| Retained earnings to average equity (ytd only) | 3.4449% | 2,997 |
| Net charge-offs to loans | 0.0317% | 6,382 |
| Credit loss provision to net charge-offs | 671.4286% | 638 |
| Earnings coverage of net charge-offs (x) | 48.2857% | 778 |
| Efficiency ratio | 68.8349% | 4,573 |
| Assets per employee ($millions) | 3.0607% | 5,892 |
| Cash dividends to net income (ytd only)* | 33.1492% | 3,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 6,808 |
| Loan loss allowance to noncurrent loans | 54.5205% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 4,353 |
| Noncurrent loans to loans | 1.5960% | 3,378 |
| Net loans and leases to total assets | 61.7267% | 5,663 |
| Net loans and leases to deposits | 68.6314% | 6,404 |
| Net loans and leases to core deposits | 75.8354% | 6,866 |
| Total domestic deposits to total assets | 89.9396% | 666 |
| Equity capital to assets | 9.6357% | 4,504 |
| Core capital (leverage) ratio | 8.1971% | 6,172 |
| Tier 1 risk-based capital ratio | 11.6041% | 5,153 |
| Total risk-based capital ratio | 12.3780% | 5,496 |
| Memoranda: | ||
| Average total assets | $35,840,200 | 7,390 |
| Average earning assets | $33,298,200 | 7,362 |
| Average equity | $3,512,400 | 7,678 |
| Average total loans | $22,097,000 | 7,186 |