Home > Bank of Pine Hill > Performance and Condition Ratios
Bank of Pine Hill, Performance and Condition Ratios
| 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 | 2.9488% | 5,539 |
| Cost of funding earning assets | 0.5233% | 1,913 |
| Net interest margin | 2.4255% | 5,629 |
| Noninterest income to average assets | 0.2606% | 4,868 |
| Noninterest expense to average assets | 3.3878% | 1,388 |
| Loan and lease loss provision to assets | 0.0256% | 3,843 |
| Net operating income to assets | -0.8843% | 5,825 |
| Return on assets (ROA) | -0.7348% | 5,818 |
| Pretax return on assets | -0.7263% | 5,808 |
| Return on Equity (ROE) | -5.4959% | 5,799 |
| Retained earnings to average equity (ytd only) | -5.4959% | 5,696 |
| Net charge-offs to loans | -0.0437% | 5,359 |
| Credit loss provision to net charge-offs | -300.0000% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.5017% | 49 |
| Assets per employee ($millions) | 2.2344% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1475% | 498 |
| Loan loss allowance to noncurrent loans | 42.5000% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.5515% | 1,051 |
| Noncurrent loans to loans | 5.0531% | 156 |
| Net loans and leases to total assets | 19.2591% | 5,810 |
| Net loans and leases to deposits | 22.4106% | 5,815 |
| Net loans and leases to core deposits | 23.7622% | 5,808 |
| Total domestic deposits to total assets | 85.9373% | 2,611 |
| Equity capital to assets | 14.0179% | 884 |
| Core capital (leverage) ratio | 13.5362% | 962 |
| Tier 1 risk-based capital ratio | 44.0006% | 179 |
| Total risk-based capital ratio | 45.2535% | 178 |
| Memoranda: | ||
| Average total assets | $23,407,600 | 5,796 |
| Average earning assets | $21,974,800 | 5,775 |
| Average equity | $3,129,600 | 5,744 |
| Average total loans | $4,577,000 | 5,861 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9485% | 5,607 |
| Cost of funding earning assets | 0.5080% | 2,035 |
| Net interest margin | 2.4406% | 5,692 |
| Noninterest income to average assets | 0.2641% | 4,883 |
| Noninterest expense to average assets | 3.1473% | 1,909 |
| Loan and lease loss provision to assets | 0.0220% | 3,803 |
| Net operating income to assets | -0.6163% | 5,872 |
| Return on assets (ROA) | -0.5943% | 5,871 |
| Pretax return on assets | -0.5832% | 5,863 |
| Return on Equity (ROE) | -4.4898% | 5,857 |
| Retained earnings to average equity (ytd only) | -4.4898% | 5,717 |
| Net charge-offs to loans | -0.0564% | 5,404 |
| Credit loss provision to net charge-offs | -200.0000% | 4,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.7468% | 77 |
| Assets per employee ($millions) | 2.6032% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 1,010 |
| Loan loss allowance to noncurrent loans | 25.9375% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.8439% | 885 |
| Noncurrent loans to loans | 6.9520% | 85 |
| Net loans and leases to total assets | 19.2923% | 5,880 |
| Net loans and leases to deposits | 22.3729% | 5,886 |
| Net loans and leases to core deposits | 23.1831% | 5,889 |
| Total domestic deposits to total assets | 86.2307% | 2,249 |
| Equity capital to assets | 13.7180% | 1,154 |
| Core capital (leverage) ratio | 12.6075% | 1,357 |
| Tier 1 risk-based capital ratio | 34.7108% | 342 |
| Total risk-based capital ratio | 35.6557% | 345 |
| Memoranda: | ||
| Average total assets | $24,232,000 | 5,846 |
| Average earning assets | $22,835,750 | 5,824 |
| Average equity | $3,207,250 | 5,799 |
| Average total loans | $4,731,750 | 5,926 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9472% | 5,691 |
| Cost of funding earning assets | 0.5028% | 2,085 |
| Net interest margin | 2.4445% | 5,774 |
| Noninterest income to average assets | 0.2449% | 5,016 |
| Noninterest expense to average assets | 2.9878% | 2,387 |
| Loan and lease loss provision to assets | 0.0245% | 3,640 |
| Net operating income to assets | -0.4735% | 5,916 |
| Return on assets (ROA) | -0.4408% | 5,917 |
| Pretax return on assets | -0.4327% | 5,913 |
| Return on Equity (ROE) | -3.3697% | 5,908 |
| Retained earnings to average equity (ytd only) | -3.3697% | 5,661 |
| Net charge-offs to loans | 0.1257% | 1,588 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | -18.0000% | 3,659 |
| Efficiency ratio | 117.3077% | 100 |
| Assets per employee ($millions) | 2.7511% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 1,641 |
| Loan loss allowance to noncurrent loans | 105.4795% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 2,733 |
| Noncurrent loans to loans | 1.4825% | 1,483 |
| Net loans and leases to total assets | 19.5759% | 5,942 |
| Net loans and leases to deposits | 22.6453% | 5,956 |
| Net loans and leases to core deposits | 23.4155% | 5,958 |
| Total domestic deposits to total assets | 86.4459% | 2,197 |
| Equity capital to assets | 13.2351% | 1,365 |
| Core capital (leverage) ratio | 12.7517% | 1,254 |
| Tier 1 risk-based capital ratio | 33.1482% | 378 |
| Total risk-based capital ratio | 33.9707% | 386 |
| Memoranda: | ||
| Average total assets | $24,499,670 | 5,918 |
| Average earning assets | $23,072,670 | 5,893 |
| Average equity | $3,205,000 | 5,867 |
| Average total loans | $4,774,670 | 6,003 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9330% | 5,745 |
| Cost of funding earning assets | 0.5063% | 2,057 |
| Net interest margin | 2.4267% | 5,867 |
| Noninterest income to average assets | 0.2626% | 4,849 |
| Noninterest expense to average assets | 2.9873% | 2,432 |
| Loan and lease loss provision to assets | 0.0164% | 3,472 |
| Net operating income to assets | -0.4760% | 5,957 |
| Return on assets (ROA) | -0.4103% | 5,953 |
| Pretax return on assets | -0.3939% | 5,940 |
| Return on Equity (ROE) | -3.1556% | 5,943 |
| Retained earnings to average equity (ytd only) | -3.1556% | 5,486 |
| Net charge-offs to loans | -0.0851% | 5,573 |
| Credit loss provision to net charge-offs | -100.0000% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.4194% | 114 |
| Assets per employee ($millions) | 2.7209% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 1,299 |
| Loan loss allowance to noncurrent loans | 102.5974% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.7718% | 2,768 |
| Noncurrent loans to loans | 1.6820% | 1,346 |
| Net loans and leases to total assets | 18.3723% | 6,014 |
| Net loans and leases to deposits | 21.1429% | 6,018 |
| Net loans and leases to core deposits | 21.8653% | 6,020 |
| Total domestic deposits to total assets | 86.8956% | 2,255 |
| Equity capital to assets | 13.0799% | 1,371 |
| Core capital (leverage) ratio | 12.8671% | 1,213 |
| Tier 1 risk-based capital ratio | 35.6387% | 318 |
| Total risk-based capital ratio | 36.5374% | 323 |
| Memoranda: | ||
| Average total assets | $24,369,500 | 5,978 |
| Average earning assets | $22,911,500 | 5,953 |
| Average equity | $3,169,000 | 5,927 |
| Average total loans | $4,700,000 | 6,067 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0644% | 5,676 |
| Cost of funding earning assets | 0.6163% | 1,266 |
| Net interest margin | 2.4480% | 5,862 |
| Noninterest income to average assets | 0.2796% | 4,882 |
| Noninterest expense to average assets | 2.8852% | 2,904 |
| Loan and lease loss provision to assets | 0.0243% | 3,899 |
| Net operating income to assets | -0.3404% | 5,999 |
| Return on assets (ROA) | -0.2553% | 5,990 |
| Pretax return on assets | -0.2431% | 5,975 |
| Return on Equity (ROE) | -1.9871% | 5,980 |
| Retained earnings to average equity (ytd only) | -1.9871% | 5,748 |
| Net charge-offs to loans | -0.8240% | 6,119 |
| Credit loss provision to net charge-offs | -14.6341% | 4,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7739% | 126 |
| Assets per employee ($millions) | 2.6946% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 1,624 |
| Loan loss allowance to noncurrent loans | 98.7179% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 2,720 |
| Noncurrent loans to loans | 1.6176% | 1,417 |
| Net loans and leases to total assets | 19.5662% | 6,055 |
| Net loans and leases to deposits | 22.4764% | 6,065 |
| Net loans and leases to core deposits | 23.2404% | 6,068 |
| Total domestic deposits to total assets | 87.0521% | 2,103 |
| Equity capital to assets | 12.9273% | 1,385 |
| Core capital (leverage) ratio | 12.8238% | 1,220 |
| Tier 1 risk-based capital ratio | 34.6690% | 342 |
| Total risk-based capital ratio | 35.5143% | 348 |
| Memoranda: | ||
| Average total assets | $24,677,400 | 6,030 |
| Average earning assets | $23,202,200 | 6,008 |
| Average equity | $3,170,400 | 5,975 |
| Average total loans | $4,975,600 | 6,120 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0721% | 5,738 |
| Cost of funding earning assets | 0.6179% | 1,298 |
| Net interest margin | 2.4542% | 5,942 |
| Noninterest income to average assets | 0.2959% | 4,823 |
| Noninterest expense to average assets | 2.9050% | 2,832 |
| Loan and lease loss provision to assets | 0.0215% | 3,844 |
| Net operating income to assets | -0.3282% | 6,093 |
| Return on assets (ROA) | -0.2152% | 6,068 |
| Pretax return on assets | -0.2098% | 6,055 |
| Return on Equity (ROE) | -1.6774% | 6,052 |
| Retained earnings to average equity (ytd only) | -1.6774% | 5,823 |
| Net charge-offs to loans | -1.1169% | 6,216 |
| Credit loss provision to net charge-offs | -9.5238% | 4,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.5702% | 137 |
| Assets per employee ($millions) | 2.7040% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 1,954 |
| Loan loss allowance to noncurrent loans | 102.7027% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.9656% | 2,439 |
| Noncurrent loans to loans | 1.5130% | 1,662 |
| Net loans and leases to total assets | 19.7855% | 6,138 |
| Net loans and leases to deposits | 22.7918% | 6,148 |
| Net loans and leases to core deposits | 23.5637% | 6,152 |
| Total domestic deposits to total assets | 86.8097% | 2,132 |
| Equity capital to assets | 13.1534% | 1,371 |
| Core capital (leverage) ratio | 12.8256% | 1,261 |
| Tier 1 risk-based capital ratio | 34.6439% | 355 |
| Total risk-based capital ratio | 35.4716% | 371 |
| Memoranda: | ||
| Average total assets | $24,784,000 | 6,115 |
| Average earning assets | $23,306,250 | 6,087 |
| Average equity | $3,179,250 | 6,051 |
| Average total loans | $5,014,000 | 6,202 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0618% | 5,784 |
| Cost of funding earning assets | 0.5885% | 1,497 |
| Net interest margin | 2.4733% | 5,988 |
| Noninterest income to average assets | 0.2888% | 4,901 |
| Noninterest expense to average assets | 2.9198% | 2,820 |
| Loan and lease loss provision to assets | 0.0241% | 3,653 |
| Net operating income to assets | -0.3369% | 6,142 |
| Return on assets (ROA) | -0.1845% | 6,117 |
| Pretax return on assets | -0.1765% | 6,098 |
| Return on Equity (ROE) | -1.4502% | 6,103 |
| Retained earnings to average equity (ytd only) | -1.4502% | 5,764 |
| Net charge-offs to loans | -1.5826% | 6,292 |
| Credit loss provision to net charge-offs | -7.5000% | 4,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.6564% | 158 |
| Assets per employee ($millions) | 2.7123% | 5,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 2,379 |
| Loan loss allowance to noncurrent loans | 98.6486% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.9627% | 2,599 |
| Noncurrent loans to loans | 1.5010% | 1,771 |
| Net loans and leases to total assets | 19.8968% | 6,207 |
| Net loans and leases to deposits | 22.8050% | 6,222 |
| Net loans and leases to core deposits | 23.5685% | 6,220 |
| Total domestic deposits to total assets | 87.2476% | 2,040 |
| Equity capital to assets | 12.7197% | 1,532 |
| Core capital (leverage) ratio | 12.9259% | 1,197 |
| Tier 1 risk-based capital ratio | 33.5326% | 407 |
| Total risk-based capital ratio | 34.2980% | 418 |
| Memoranda: | ||
| Average total assets | $24,933,330 | 6,191 |
| Average earning assets | $23,450,000 | 6,156 |
| Average equity | $3,172,000 | 6,113 |
| Average total loans | $5,055,000 | 6,275 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1029% | 5,779 |
| Cost of funding earning assets | 0.6239% | 1,275 |
| Net interest margin | 2.4789% | 6,041 |
| Noninterest income to average assets | 0.3175% | 4,648 |
| Noninterest expense to average assets | 3.0800% | 2,338 |
| Loan and lease loss provision to assets | 0.0318% | 3,254 |
| Net operating income to assets | -0.4763% | 6,239 |
| Return on assets (ROA) | -0.3810% | 6,228 |
| Pretax return on assets | -0.3652% | 6,209 |
| Return on Equity (ROE) | -2.9949% | 6,216 |
| Retained earnings to average equity (ytd only) | -2.9949% | 5,792 |
| Net charge-offs to loans | -3.0484% | 6,367 |
| Credit loss provision to net charge-offs | -5.1282% | 4,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.1677% | 151 |
| Assets per employee ($millions) | 2.7716% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 2,846 |
| Loan loss allowance to noncurrent loans | 95.9459% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 2,740 |
| Noncurrent loans to loans | 1.4756% | 1,919 |
| Net loans and leases to total assets | 19.8204% | 6,271 |
| Net loans and leases to deposits | 22.7992% | 6,282 |
| Net loans and leases to core deposits | 23.5462% | 6,280 |
| Total domestic deposits to total assets | 86.9347% | 2,408 |
| Equity capital to assets | 13.0412% | 1,377 |
| Core capital (leverage) ratio | 12.6459% | 1,292 |
| Tier 1 risk-based capital ratio | 33.4274% | 409 |
| Total risk-based capital ratio | 34.1698% | 424 |
| Memoranda: | ||
| Average total assets | $25,194,500 | 6,251 |
| Average earning assets | $23,720,000 | 6,220 |
| Average equity | $3,205,500 | 6,172 |
| Average total loans | $5,117,500 | 6,343 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3810% | 5,566 |
| Cost of funding earning assets | 0.6551% | 1,376 |
| Net interest margin | 2.7260% | 5,905 |
| Noninterest income to average assets | 0.3274% | 4,772 |
| Noninterest expense to average assets | 3.0454% | 2,706 |
| Loan and lease loss provision to assets | 0.1933% | 1,322 |
| Net operating income to assets | -0.3669% | 6,261 |
| Return on assets (ROA) | -0.0592% | 6,137 |
| Pretax return on assets | -0.0592% | 6,123 |
| Return on Equity (ROE) | -0.4908% | 6,133 |
| Retained earnings to average equity (ytd only) | -0.4908% | 5,848 |
| Net charge-offs to loans | 2.9745% | 34 |
| Credit loss provision to net charge-offs | 30.0613% | 3,834 |
| Earnings coverage of net charge-offs (x) | -0.2699% | 4,742 |
| Efficiency ratio | 106.0440% | 261 |
| Assets per employee ($millions) | 2.8272% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5747% | 6,175 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 3,589 |
| Noncurrent loans to loans | 0.1533% | 5,283 |
| Net loans and leases to total assets | 20.3969% | 6,362 |
| Net loans and leases to deposits | 23.2934% | 6,376 |
| Net loans and leases to core deposits | 24.0267% | 6,372 |
| Total domestic deposits to total assets | 87.5653% | 1,995 |
| Equity capital to assets | 12.4111% | 1,699 |
| Core capital (leverage) ratio | 12.6120% | 1,303 |
| Tier 1 risk-based capital ratio | 31.4587% | 456 |
| Total risk-based capital ratio | 31.7516% | 486 |
| Memoranda: | ||
| Average total assets | $25,349,800 | 6,335 |
| Average earning assets | $23,661,400 | 6,301 |
| Average equity | $3,056,400 | 6,260 |
| Average total loans | $5,480,000 | 6,427 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3965% | 5,599 |
| Cost of funding earning assets | 0.6669% | 1,341 |
| Net interest margin | 2.7297% | 5,973 |
| Noninterest income to average assets | 0.3317% | 4,784 |
| Noninterest expense to average assets | 2.9850% | 2,852 |
| Loan and lease loss provision to assets | 0.0210% | 3,986 |
| Net operating income to assets | -0.1292% | 6,237 |
| Return on assets (ROA) | 0.2475% | 5,802 |
| Pretax return on assets | 0.2527% | 5,859 |
| Return on Equity (ROE) | 2.0676% | 5,819 |
| Retained earnings to average equity (ytd only) | 2.0676% | 5,018 |
| Net charge-offs to loans | -0.0240% | 5,666 |
| Credit loss provision to net charge-offs | -400.0000% | 5,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8462% | 296 |
| Assets per employee ($millions) | 2.8496% | 5,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6564% | 519 |
| Loan loss allowance to noncurrent loans | 17.3862% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 3.8486% | 530 |
| Noncurrent loans to loans | 15.2790% | 32 |
| Net loans and leases to total assets | 21.2899% | 6,430 |
| Net loans and leases to deposits | 24.3099% | 6,444 |
| Net loans and leases to core deposits | 25.0643% | 6,440 |
| Total domestic deposits to total assets | 87.5770% | 1,995 |
| Equity capital to assets | 12.3723% | 1,790 |
| Core capital (leverage) ratio | 12.8557% | 1,247 |
| Tier 1 risk-based capital ratio | 30.5830% | 494 |
| Total risk-based capital ratio | 31.8402% | 489 |
| Memoranda: | ||
| Average total assets | $25,326,000 | 6,410 |
| Average earning assets | $23,592,000 | 6,378 |
| Average equity | $3,031,000 | 6,338 |
| Average total loans | $5,545,000 | 6,504 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4127% | 5,599 |
| Cost of funding earning assets | 0.6911% | 1,235 |
| Net interest margin | 2.7216% | 6,023 |
| Noninterest income to average assets | 0.3251% | 4,810 |
| Noninterest expense to average assets | 3.0294% | 2,727 |
| Loan and lease loss provision to assets | 0.0238% | 3,803 |
| Net operating income to assets | -0.1784% | 6,306 |
| Return on assets (ROA) | 0.0714% | 6,116 |
| Pretax return on assets | 0.0793% | 6,118 |
| Return on Equity (ROE) | 0.6033% | 6,124 |
| Retained earnings to average equity (ytd only) | 0.6033% | 5,494 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1111% | 294 |
| Assets per employee ($millions) | 2.8382% | 5,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6506% | 572 |
| Loan loss allowance to noncurrent loans | 96.7105% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1001% | 2,870 |
| Noncurrent loans to loans | 2.7407% | 1,101 |
| Net loans and leases to total assets | 21.1361% | 6,492 |
| Net loans and leases to deposits | 24.0898% | 6,512 |
| Net loans and leases to core deposits | 24.8390% | 6,510 |
| Total domestic deposits to total assets | 87.7388% | 2,063 |
| Equity capital to assets | 12.2142% | 1,848 |
| Core capital (leverage) ratio | 12.7781% | 1,248 |
| Tier 1 risk-based capital ratio | 29.1869% | 566 |
| Total risk-based capital ratio | 30.4461% | 552 |
| Memoranda: | ||
| Average total assets | $25,219,330 | 6,477 |
| Average earning assets | $23,442,000 | 6,451 |
| Average equity | $2,983,670 | 6,400 |
| Average total loans | $5,523,670 | 6,567 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3840% | 5,683 |
| Cost of funding earning assets | 0.7215% | 1,117 |
| Net interest margin | 2.6625% | 6,152 |
| Noninterest income to average assets | 0.3672% | 4,446 |
| Noninterest expense to average assets | 3.1289% | 2,445 |
| Loan and lease loss provision to assets | 0.0160% | 3,618 |
| Net operating income to assets | -0.3352% | 6,413 |
| Return on assets (ROA) | -0.3033% | 6,400 |
| Pretax return on assets | -0.2714% | 6,375 |
| Return on Equity (ROE) | -2.6068% | 6,386 |
| Retained earnings to average equity (ytd only) | -2.6068% | 5,922 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1124% | 266 |
| Assets per employee ($millions) | 2.8303% | 6,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6718% | 655 |
| Loan loss allowance to noncurrent loans | 99.3151% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.0756% | 3,105 |
| Noncurrent loans to loans | 2.6903% | 1,255 |
| Net loans and leases to total assets | 20.7357% | 6,563 |
| Net loans and leases to deposits | 23.4797% | 6,582 |
| Net loans and leases to core deposits | 24.2049% | 6,580 |
| Total domestic deposits to total assets | 88.3131% | 2,048 |
| Equity capital to assets | 11.6516% | 2,135 |
| Core capital (leverage) ratio | 12.8897% | 1,210 |
| Tier 1 risk-based capital ratio | 28.9091% | 580 |
| Total risk-based capital ratio | 30.1671% | 567 |
| Memoranda: | ||
| Average total assets | $25,057,000 | 6,549 |
| Average earning assets | $23,286,000 | 6,518 |
| Average equity | $2,915,500 | 6,469 |
| Average total loans | $5,512,500 | 6,636 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4550% | 5,723 |
| Cost of funding earning assets | 0.8822% | 810 |
| Net interest margin | 2.5727% | 6,297 |
| Noninterest income to average assets | 0.4702% | 3,960 |
| Noninterest expense to average assets | 2.8580% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0101% | 6,196 |
| Return on assets (ROA) | 0.3365% | 5,492 |
| Pretax return on assets | 0.3486% | 5,608 |
| Return on Equity (ROE) | 2.6346% | 5,636 |
| Retained earnings to average equity (ytd only) | 0.7301% | 5,506 |
| Net charge-offs to loans | 0.0177% | 5,093 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,993 |
| Efficiency ratio | 99.5763% | 491 |
| Assets per employee ($millions) | 2.7379% | 6,178 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5723% | 750 |
| Loan loss allowance to noncurrent loans | 80.4469% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.4732% | 2,525 |
| Noncurrent loans to loans | 3.1976% | 1,052 |
| Net loans and leases to total assets | 22.1338% | 6,633 |
| Net loans and leases to deposits | 25.0586% | 6,653 |
| Net loans and leases to core deposits | 25.3674% | 6,655 |
| Total domestic deposits to total assets | 88.3284% | 1,990 |
| Equity capital to assets | 11.6188% | 2,086 |
| Core capital (leverage) ratio | 13.1342% | 1,089 |
| Tier 1 risk-based capital ratio | 28.9549% | 556 |
| Total risk-based capital ratio | 30.2076% | 549 |
| Memoranda: | ||
| Average total assets | $24,668,000 | 6,628 |
| Average earning assets | $23,010,400 | 6,598 |
| Average equity | $3,150,400 | 6,508 |
| Average total loans | $5,663,800 | 6,717 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4353% | 5,809 |
| Cost of funding earning assets | 0.8270% | 1,177 |
| Net interest margin | 2.6083% | 6,303 |
| Noninterest income to average assets | 0.4593% | 4,085 |
| Noninterest expense to average assets | 2.8747% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0195% | 6,268 |
| Return on assets (ROA) | 0.3566% | 5,546 |
| Pretax return on assets | 0.3729% | 5,700 |
| Return on Equity (ROE) | 2.7310% | 5,701 |
| Retained earnings to average equity (ytd only) | 2.7310% | 4,687 |
| Net charge-offs to loans | 0.0234% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.0075% | 3,562 |
| Efficiency ratio | 99.2537% | 489 |
| Assets per employee ($millions) | 2.7349% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6588% | 782 |
| Loan loss allowance to noncurrent loans | 69.9029% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.4910% | 2,698 |
| Noncurrent loans to loans | 3.8035% | 951 |
| Net loans and leases to total assets | 21.4187% | 6,729 |
| Net loans and leases to deposits | 24.4743% | 6,745 |
| Net loans and leases to core deposits | 24.7779% | 6,751 |
| Total domestic deposits to total assets | 87.5152% | 2,406 |
| Equity capital to assets | 12.3994% | 1,636 |
| Core capital (leverage) ratio | 13.5524% | 1,003 |
| Tier 1 risk-based capital ratio | 29.7092% | 529 |
| Total risk-based capital ratio | 31.0139% | 520 |
| Memoranda: | ||
| Average total assets | $24,674,750 | 6,706 |
| Average earning assets | $23,054,250 | 6,671 |
| Average equity | $3,222,250 | 6,566 |
| Average total loans | $5,680,250 | 6,794 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4099% | 5,885 |
| Cost of funding earning assets | 0.8439% | 1,177 |
| Net interest margin | 2.5660% | 6,367 |
| Noninterest income to average assets | 0.4697% | 4,027 |
| Noninterest expense to average assets | 2.8994% | 3,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0166% | 6,317 |
| Return on assets (ROA) | 0.4940% | 5,003 |
| Pretax return on assets | 0.5102% | 5,334 |
| Return on Equity (ROE) | 3.7206% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.7206% | 3,937 |
| Net charge-offs to loans | 0.0347% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,768 |
| Efficiency ratio | 100.5618% | 470 |
| Assets per employee ($millions) | 2.6852% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5170% | 968 |
| Loan loss allowance to noncurrent loans | 38.7097% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 1.5393% | 2,799 |
| Noncurrent loans to loans | 6.5024% | 401 |
| Net loans and leases to total assets | 23.0769% | 6,739 |
| Net loans and leases to deposits | 26.4213% | 6,758 |
| Net loans and leases to core deposits | 26.7546% | 6,767 |
| Total domestic deposits to total assets | 87.3422% | 2,627 |
| Equity capital to assets | 12.5874% | 1,524 |
| Core capital (leverage) ratio | 13.2465% | 1,072 |
| Tier 1 risk-based capital ratio | 29.5487% | 546 |
| Total risk-based capital ratio | 30.8484% | 535 |
| Memoranda: | ||
| Average total assets | $24,695,000 | 6,754 |
| Average earning assets | $23,226,670 | 6,718 |
| Average equity | $3,279,000 | 6,604 |
| Average total loans | $5,768,330 | 6,840 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4145% | 5,912 |
| Cost of funding earning assets | 0.8664% | 1,173 |
| Net interest margin | 2.5481% | 6,445 |
| Noninterest income to average assets | 0.4808% | 3,914 |
| Noninterest expense to average assets | 2.9969% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1282% | 6,466 |
| Return on assets (ROA) | -0.1282% | 6,516 |
| Pretax return on assets | -0.1122% | 6,491 |
| Return on Equity (ROE) | -0.9419% | 6,497 |
| Retained earnings to average equity (ytd only) | -0.9419% | 5,941 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8889% | 442 |
| Assets per employee ($millions) | 2.7443% | 6,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4970% | 1,121 |
| Loan loss allowance to noncurrent loans | 40.2778% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 1.4575% | 3,070 |
| Noncurrent loans to loans | 6.1994% | 530 |
| Net loans and leases to total assets | 22.9240% | 6,798 |
| Net loans and leases to deposits | 26.6347% | 6,806 |
| Net loans and leases to core deposits | 26.9670% | 6,825 |
| Total domestic deposits to total assets | 86.0683% | 3,495 |
| Equity capital to assets | 13.7212% | 1,127 |
| Core capital (leverage) ratio | 12.8839% | 1,159 |
| Tier 1 risk-based capital ratio | 28.6468% | 603 |
| Total risk-based capital ratio | 29.9428% | 589 |
| Memoranda: | ||
| Average total assets | $24,959,000 | 6,817 |
| Average earning assets | $23,546,500 | 6,773 |
| Average equity | $3,397,500 | 6,643 |
| Average total loans | $5,792,000 | 6,913 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5286% | 6,325 |
| Cost of funding earning assets | 0.9827% | 1,444 |
| Net interest margin | 2.5459% | 6,682 |
| Noninterest income to average assets | 0.4088% | 4,534 |
| Noninterest expense to average assets | 2.8149% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0148% | 6,193 |
| Return on assets (ROA) | 0.2959% | 5,690 |
| Pretax return on assets | 0.3115% | 5,801 |
| Return on Equity (ROE) | 2.2168% | 5,844 |
| Retained earnings to average equity (ytd only) | 0.4667% | 5,619 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5563% | 541 |
| Assets per employee ($millions) | 2.8021% | 6,313 |
| Cash dividends to net income (ytd only)* | 78.9474% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5100% | 1,119 |
| Loan loss allowance to noncurrent loans | 40.2778% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 1.4275% | 3,257 |
| Noncurrent loans to loans | 6.2316% | 559 |
| Net loans and leases to total assets | 22.3324% | 6,889 |
| Net loans and leases to deposits | 26.2100% | 6,900 |
| Net loans and leases to core deposits | 26.5247% | 6,904 |
| Total domestic deposits to total assets | 85.2056% | 3,766 |
| Equity capital to assets | 13.5057% | 1,228 |
| Core capital (leverage) ratio | 12.7363% | 1,228 |
| Tier 1 risk-based capital ratio | 28.8536% | 566 |
| Total risk-based capital ratio | 30.1553% | 553 |
| Memoranda: | ||
| Average total assets | $25,684,600 | 6,851 |
| Average earning assets | $24,117,400 | 6,813 |
| Average equity | $3,428,400 | 6,700 |
| Average total loans | $5,729,000 | 6,985 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5595% | 6,441 |
| Cost of funding earning assets | 1.0194% | 1,453 |
| Net interest margin | 2.5401% | 6,798 |
| Noninterest income to average assets | 0.3876% | 4,731 |
| Noninterest expense to average assets | 2.7337% | 4,242 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0349% | 6,230 |
| Return on assets (ROA) | 0.2067% | 6,067 |
| Pretax return on assets | 0.2170% | 6,093 |
| Return on Equity (ROE) | 1.5530% | 6,142 |
| Retained earnings to average equity (ytd only) | 1.5530% | 5,559 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6940% | 576 |
| Assets per employee ($millions) | 2.8657% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5456% | 1,154 |
| Loan loss allowance to noncurrent loans | 38.1579% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 1.4734% | 3,392 |
| Noncurrent loans to loans | 6.6713% | 565 |
| Net loans and leases to total assets | 21.5230% | 7,004 |
| Net loans and leases to deposits | 25.3308% | 7,016 |
| Net loans and leases to core deposits | 25.6279% | 7,023 |
| Total domestic deposits to total assets | 84.9676% | 3,756 |
| Equity capital to assets | 13.5978% | 1,309 |
| Core capital (leverage) ratio | 12.6248% | 1,352 |
| Tier 1 risk-based capital ratio | 28.7694% | 602 |
| Total risk-based capital ratio | 30.0578% | 590 |
| Memoranda: | ||
| Average total assets | $25,801,000 | 6,934 |
| Average earning assets | $24,197,750 | 6,898 |
| Average equity | $3,434,000 | 6,786 |
| Average total loans | $5,717,000 | 7,079 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5986% | 6,488 |
| Cost of funding earning assets | 1.0400% | 1,525 |
| Net interest margin | 2.5587% | 6,847 |
| Noninterest income to average assets | 0.3798% | 4,799 |
| Noninterest expense to average assets | 2.6972% | 4,440 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0748% | 6,218 |
| Return on assets (ROA) | 0.1085% | 6,298 |
| Pretax return on assets | 0.1240% | 6,276 |
| Return on Equity (ROE) | 0.8212% | 6,332 |
| Retained earnings to average equity (ytd only) | 0.8212% | 5,738 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9359% | 660 |
| Assets per employee ($millions) | 2.9086% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4685% | 1,325 |
| Loan loss allowance to noncurrent loans | 29.7131% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 1.8642% | 2,951 |
| Noncurrent loans to loans | 8.3078% | 400 |
| Net loans and leases to total assets | 21.8856% | 7,060 |
| Net loans and leases to deposits | 25.5862% | 7,072 |
| Net loans and leases to core deposits | 25.8786% | 7,083 |
| Total domestic deposits to total assets | 85.5369% | 3,585 |
| Equity capital to assets | 13.1833% | 1,438 |
| Core capital (leverage) ratio | 12.5093% | 1,346 |
| Tier 1 risk-based capital ratio | 28.2236% | 624 |
| Total risk-based capital ratio | 29.4981% | 614 |
| Memoranda: | ||
| Average total assets | $25,804,330 | 6,993 |
| Average earning assets | $24,231,330 | 6,950 |
| Average equity | $3,409,670 | 6,831 |
| Average total loans | $5,724,000 | 7,136 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6341% | 6,534 |
| Cost of funding earning assets | 1.0836% | 1,485 |
| Net interest margin | 2.5505% | 6,916 |
| Noninterest income to average assets | 0.3747% | 4,860 |
| Noninterest expense to average assets | 2.7325% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0156% | 6,390 |
| Return on assets (ROA) | 0.0156% | 6,498 |
| Pretax return on assets | 0.0312% | 6,482 |
| Return on Equity (ROE) | 0.1180% | 6,503 |
| Retained earnings to average equity (ytd only) | 0.1180% | 5,941 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8701% | 596 |
| Assets per employee ($millions) | 2.8918% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5270% | 1,313 |
| Loan loss allowance to noncurrent loans | 40.1662% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 1.3871% | 3,792 |
| Noncurrent loans to loans | 6.2914% | 768 |
| Net loans and leases to total assets | 21.4900% | 7,120 |
| Net loans and leases to deposits | 25.1122% | 7,131 |
| Net loans and leases to core deposits | 25.3996% | 7,139 |
| Total domestic deposits to total assets | 85.5760% | 3,753 |
| Equity capital to assets | 13.1407% | 1,382 |
| Core capital (leverage) ratio | 12.6763% | 1,259 |
| Tier 1 risk-based capital ratio | 28.8953% | 576 |
| Total risk-based capital ratio | 30.2050% | 565 |
| Memoranda: | ||
| Average total assets | $25,618,000 | 7,059 |
| Average earning assets | $23,995,000 | 7,020 |
| Average equity | $3,389,000 | 6,878 |
| Average total loans | $5,649,000 | 7,199 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9357% | 6,567 |
| Cost of funding earning assets | 1.2656% | 1,654 |
| Net interest margin | 2.6700% | 6,952 |
| Noninterest income to average assets | 0.4614% | 4,129 |
| Noninterest expense to average assets | 2.9794% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.0346% | 6,088 |
| Return on assets (ROA) | 0.1838% | 5,770 |
| Pretax return on assets | 0.1877% | 5,820 |
| Return on Equity (ROE) | 1.4595% | 5,850 |
| Retained earnings to average equity (ytd only) | -0.4037% | 5,917 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1952% | 640 |
| Assets per employee ($millions) | 2.8011% | 6,456 |
| Cash dividends to net income (ytd only)* | 127.6596% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6079% | 1,183 |
| Loan loss allowance to noncurrent loans | 32.0796% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 1.7929% | 3,263 |
| Noncurrent loans to loans | 8.1295% | 492 |
| Net loans and leases to total assets | 21.4796% | 7,190 |
| Net loans and leases to deposits | 25.4178% | 7,196 |
| Net loans and leases to core deposits | 25.4178% | 7,203 |
| Total domestic deposits to total assets | 84.5061% | 4,094 |
| Equity capital to assets | 13.3201% | 1,353 |
| Core capital (leverage) ratio | 12.6358% | 1,295 |
| Tier 1 risk-based capital ratio | 28.9072% | 573 |
| Total risk-based capital ratio | 30.2178% | 557 |
| Memoranda: | ||
| Average total assets | $25,575,200 | 7,087 |
| Average earning assets | $23,782,600 | 7,053 |
| Average equity | $3,220,200 | 6,956 |
| Average total loans | $5,685,400 | 7,250 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 6,597 |
| Cost of funding earning assets | 1.2922% | 1,748 |
| Net interest margin | 2.7018% | 6,988 |
| Noninterest income to average assets | 0.4675% | 4,148 |
| Noninterest expense to average assets | 2.8935% | 3,960 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0795% | 6,009 |
| Return on assets (ROA) | 0.2078% | 5,813 |
| Pretax return on assets | 0.2182% | 5,865 |
| Return on Equity (ROE) | 1.6740% | 5,876 |
| Retained earnings to average equity (ytd only) | 1.6740% | 5,302 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2077% | 762 |
| Assets per employee ($millions) | 2.8257% | 6,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6571% | 1,188 |
| Loan loss allowance to noncurrent loans | 174.6988% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 6,256 |
| Noncurrent loans to loans | 1.5210% | 3,997 |
| Net loans and leases to total assets | 20.8879% | 7,276 |
| Net loans and leases to deposits | 24.8410% | 7,284 |
| Net loans and leases to core deposits | 24.8410% | 7,289 |
| Total domestic deposits to total assets | 84.0864% | 4,190 |
| Equity capital to assets | 13.6251% | 1,315 |
| Core capital (leverage) ratio | 12.7735% | 1,316 |
| Tier 1 risk-based capital ratio | 28.7076% | 610 |
| Total risk-based capital ratio | 29.9876% | 601 |
| Memoranda: | ||
| Average total assets | $25,666,500 | 7,153 |
| Average earning assets | $23,835,000 | 7,120 |
| Average equity | $3,185,750 | 7,028 |
| Average total loans | $5,716,750 | 7,323 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 6,587 |
| Cost of funding earning assets | 1.3366% | 1,715 |
| Net interest margin | 2.7068% | 7,022 |
| Noninterest income to average assets | 0.4816% | 4,008 |
| Noninterest expense to average assets | 2.8743% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1070% | 5,997 |
| Return on assets (ROA) | 0.3030% | 5,498 |
| Pretax return on assets | 0.3107% | 5,645 |
| Return on Equity (ROE) | 2.5221% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.5221% | 4,688 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3542% | 863 |
| Assets per employee ($millions) | 2.8631% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5235% | 1,411 |
| Loan loss allowance to noncurrent loans | 1,115.3846% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 6,969 |
| Noncurrent loans to loans | 0.2262% | 6,453 |
| Net loans and leases to total assets | 21.7363% | 7,349 |
| Net loans and leases to deposits | 25.5182% | 7,355 |
| Net loans and leases to core deposits | 25.5182% | 7,368 |
| Total domestic deposits to total assets | 85.1793% | 3,795 |
| Equity capital to assets | 12.8221% | 1,613 |
| Core capital (leverage) ratio | 12.7670% | 1,260 |
| Tier 1 risk-based capital ratio | 27.6752% | 683 |
| Total risk-based capital ratio | 28.9095% | 670 |
| Memoranda: | ||
| Average total assets | $25,745,000 | 7,219 |
| Average earning assets | $23,792,000 | 7,185 |
| Average equity | $3,092,670 | 7,106 |
| Average total loans | $5,803,330 | 7,397 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 6,411 |
| Cost of funding earning assets | 1.4202% | 1,508 |
| Net interest margin | 2.7220% | 6,993 |
| Noninterest income to average assets | 0.4974% | 3,914 |
| Noninterest expense to average assets | 2.8756% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1244% | 6,027 |
| Return on assets (ROA) | 0.3264% | 5,361 |
| Pretax return on assets | 0.3264% | 5,576 |
| Return on Equity (ROE) | 2.8122% | 5,461 |
| Retained earnings to average equity (ytd only) | 2.8122% | 4,482 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8549% | 928 |
| Assets per employee ($millions) | 2.7479% | 6,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5195% | 1,435 |
| Loan loss allowance to noncurrent loans | 1,035.7143% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 7,018 |
| Noncurrent loans to loans | 0.2433% | 6,500 |
| Net loans and leases to total assets | 22.6841% | 7,392 |
| Net loans and leases to deposits | 26.4860% | 7,405 |
| Net loans and leases to core deposits | 26.4860% | 7,413 |
| Total domestic deposits to total assets | 85.6455% | 3,714 |
| Equity capital to assets | 12.2801% | 1,747 |
| Core capital (leverage) ratio | 12.7103% | 1,236 |
| Tier 1 risk-based capital ratio | 27.3635% | 677 |
| Total risk-based capital ratio | 28.5908% | 664 |
| Memoranda: | ||
| Average total assets | $25,733,500 | 7,271 |
| Average earning assets | $23,659,000 | 7,242 |
| Average equity | $2,987,000 | 7,170 |
| Average total loans | $5,832,000 | 7,451 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 6,601 |
| Cost of funding earning assets | 1.7480% | 1,383 |
| Net interest margin | 2.6606% | 7,162 |
| Noninterest income to average assets | 0.4457% | 4,553 |
| Noninterest expense to average assets | 3.0407% | 3,693 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.1154% | 6,013 |
| Return on assets (ROA) | 0.2587% | 5,237 |
| Pretax return on assets | 0.2746% | 5,301 |
| Return on Equity (ROE) | 2.0213% | 5,370 |
| Retained earnings to average equity (ytd only) | 0.1555% | 5,501 |
| Net charge-offs to loans | 0.2072% | 5,050 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -2.5833% | 6,728 |
| Efficiency ratio | 104.2292% | 665 |
| Assets per employee ($millions) | 2.9707% | 6,166 |
| Cash dividends to net income (ytd only)* | 92.3077% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4539% | 1,472 |
| Loan loss allowance to noncurrent loans | 4,833.3333% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 7,222 |
| Noncurrent loans to loans | 0.0508% | 7,002 |
| Net loans and leases to total assets | 21.5589% | 7,502 |
| Net loans and leases to deposits | 25.3029% | 7,520 |
| Net loans and leases to core deposits | 25.3029% | 7,519 |
| Total domestic deposits to total assets | 85.2035% | 3,751 |
| Equity capital to assets | 10.9852% | 2,698 |
| Core capital (leverage) ratio | 12.7897% | 1,198 |
| Tier 1 risk-based capital ratio | 26.0271% | 752 |
| Total risk-based capital ratio | 27.2020% | 738 |
| Memoranda: | ||
| Average total assets | $25,126,200 | 7,341 |
| Average earning assets | $23,340,800 | 7,311 |
| Average equity | $3,215,800 | 7,215 |
| Average total loans | $5,791,000 | 7,537 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 6,704 |
| Cost of funding earning assets | 1.8106% | 1,374 |
| Net interest margin | 2.6467% | 7,274 |
| Noninterest income to average assets | 0.4584% | 4,500 |
| Noninterest expense to average assets | 3.0793% | 3,424 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.1372% | 6,228 |
| Return on assets (ROA) | 0.3290% | 5,222 |
| Pretax return on assets | 0.3451% | 5,387 |
| Return on Equity (ROE) | 2.4754% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.4754% | 4,689 |
| Net charge-offs to loans | 0.2777% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -2.2500% | 6,542 |
| Efficiency ratio | 104.9632% | 615 |
| Assets per employee ($millions) | 2.8032% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5117% | 1,308 |
| Loan loss allowance to noncurrent loans | 1,035.7143% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 7,208 |
| Noncurrent loans to loans | 0.2425% | 6,686 |
| Net loans and leases to total assets | 22.3077% | 7,592 |
| Net loans and leases to deposits | 27.0213% | 7,605 |
| Net loans and leases to core deposits | 27.0213% | 7,610 |
| Total domestic deposits to total assets | 82.5558% | 4,771 |
| Equity capital to assets | 13.4092% | 1,387 |
| Core capital (leverage) ratio | 13.3369% | 1,105 |
| Tier 1 risk-based capital ratio | 29.9560% | 517 |
| Total risk-based capital ratio | 31.2030% | 505 |
| Memoranda: | ||
| Average total assets | $24,723,750 | 7,449 |
| Average earning assets | $23,122,500 | 7,407 |
| Average equity | $3,285,500 | 7,287 |
| Average total loans | $5,761,500 | 7,636 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5605% | 6,560 |
| Cost of funding earning assets | 1.8835% | 1,290 |
| Net interest margin | 2.6770% | 7,279 |
| Noninterest income to average assets | 0.4805% | 4,283 |
| Noninterest expense to average assets | 3.0543% | 3,503 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.0605% | 6,166 |
| Return on assets (ROA) | 0.0814% | 6,024 |
| Pretax return on assets | 0.0977% | 5,984 |
| Return on Equity (ROE) | 0.6148% | 6,058 |
| Retained earnings to average equity (ytd only) | 0.6148% | 5,518 |
| Net charge-offs to loans | 0.4516% | 3,180 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.6923% | 6,068 |
| Efficiency ratio | 102.4590% | 725 |
| Assets per employee ($millions) | 2.6969% | 6,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4996% | 1,302 |
| Loan loss allowance to noncurrent loans | 2,880.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 7,357 |
| Noncurrent loans to loans | 0.0868% | 7,092 |
| Net loans and leases to total assets | 23.1419% | 7,652 |
| Net loans and leases to deposits | 28.5112% | 7,656 |
| Net loans and leases to core deposits | 28.5112% | 7,672 |
| Total domestic deposits to total assets | 81.1676% | 5,342 |
| Equity capital to assets | 13.6042% | 1,303 |
| Core capital (leverage) ratio | 13.1356% | 1,164 |
| Tier 1 risk-based capital ratio | 30.3425% | 493 |
| Total risk-based capital ratio | 31.5879% | 484 |
| Memoranda: | ||
| Average total assets | $24,555,330 | 7,511 |
| Average earning assets | $22,936,000 | 7,480 |
| Average equity | $3,253,000 | 7,338 |
| Average total loans | $5,757,670 | 7,703 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5448% | 6,691 |
| Cost of funding earning assets | 1.9428% | 1,273 |
| Net interest margin | 2.6020% | 7,391 |
| Noninterest income to average assets | 0.5345% | 3,781 |
| Noninterest expense to average assets | 3.0935% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.1458% | 6,475 |
| Return on assets (ROA) | -0.0972% | 6,506 |
| Pretax return on assets | -0.0810% | 6,441 |
| Return on Equity (ROE) | -0.7434% | 6,494 |
| Retained earnings to average equity (ytd only) | -0.7434% | 6,004 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3716% | 715 |
| Assets per employee ($millions) | 2.7547% | 6,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7472% | 1,039 |
| Loan loss allowance to noncurrent loans | 50.4823% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 1.2544% | 4,668 |
| Noncurrent loans to loans | 5.4418% | 1,298 |
| Net loans and leases to total assets | 22.4185% | 7,755 |
| Net loans and leases to deposits | 27.3982% | 7,764 |
| Net loans and leases to core deposits | 27.3982% | 7,773 |
| Total domestic deposits to total assets | 81.8248% | 5,145 |
| Equity capital to assets | 13.0647% | 1,499 |
| Core capital (leverage) ratio | 13.1008% | 1,184 |
| Tier 1 risk-based capital ratio | 30.4472% | 503 |
| Total risk-based capital ratio | 31.7031% | 486 |
| Memoranda: | ||
| Average total assets | $24,697,000 | 7,598 |
| Average earning assets | $23,059,500 | 7,564 |
| Average equity | $3,228,500 | 7,426 |
| Average total loans | $5,756,000 | 7,803 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9110% | 6,682 |
| Cost of funding earning assets | 2.1226% | 2,353 |
| Net interest margin | 2.7884% | 7,078 |
| Noninterest income to average assets | 0.6296% | 3,426 |
| Noninterest expense to average assets | 3.4087% | 2,646 |
| Loan and lease loss provision to assets | 0.0083% | 7,389 |
| Net operating income to assets | -0.1940% | 5,836 |
| Return on assets (ROA) | 0.3686% | 4,355 |
| Pretax return on assets | 0.3893% | 4,525 |
| Return on Equity (ROE) | 2.7398% | 4,611 |
| Retained earnings to average equity (ytd only) | 0.4310% | 4,666 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0567% | 908 |
| Assets per employee ($millions) | 2.7336% | 6,796 |
| Cash dividends to net income (ytd only)* | 84.2697% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7083% | 1,009 |
| Loan loss allowance to noncurrent loans | 923.5294% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 7,323 |
| Noncurrent loans to loans | 0.2933% | 6,694 |
| Net loans and leases to total assets | 22.9250% | 7,827 |
| Net loans and leases to deposits | 28.7638% | 7,824 |
| Net loans and leases to core deposits | 35.4271% | 7,815 |
| Total domestic deposits to total assets | 79.7008% | 5,774 |
| Equity capital to assets | 13.0802% | 1,481 |
| Core capital (leverage) ratio | 13.2880% | 1,160 |
| Tier 1 risk-based capital ratio | 30.0469% | 523 |
| Total risk-based capital ratio | 31.3027% | 506 |
| Memoranda: | ||
| Average total assets | $24,144,200 | 7,664 |
| Average earning assets | $22,378,400 | 7,637 |
| Average equity | $3,248,400 | 7,516 |
| Average total loans | $5,949,400 | 7,860 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9795% | 6,664 |
| Cost of funding earning assets | 2.1418% | 2,703 |
| Net interest margin | 2.8377% | 6,994 |
| Noninterest income to average assets | 0.6658% | 3,249 |
| Noninterest expense to average assets | 3.3791% | 2,639 |
| Loan and lease loss provision to assets | 0.0111% | 7,221 |
| Net operating income to assets | -0.0960% | 5,885 |
| Return on assets (ROA) | 0.5660% | 3,812 |
| Pretax return on assets | 0.5826% | 4,244 |
| Return on Equity (ROE) | 4.1769% | 4,312 |
| Retained earnings to average equity (ytd only) | 4.1769% | 2,944 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6981% | 958 |
| Assets per employee ($millions) | 2.7317% | 6,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6476% | 926 |
| Loan loss allowance to noncurrent loans | 2,242.8571% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 7,515 |
| Noncurrent loans to loans | 0.1180% | 7,180 |
| Net loans and leases to total assets | 23.4818% | 7,906 |
| Net loans and leases to deposits | 29.8177% | 7,910 |
| Net loans and leases to core deposits | 36.3676% | 7,897 |
| Total domestic deposits to total assets | 78.7513% | 5,881 |
| Equity capital to assets | 13.9719% | 1,317 |
| Core capital (leverage) ratio | 13.7577% | 1,153 |
| Tier 1 risk-based capital ratio | 31.4283% | 496 |
| Total risk-based capital ratio | 32.6973% | 482 |
| Memoranda: | ||
| Average total assets | $24,029,750 | 7,741 |
| Average earning assets | $22,223,750 | 7,713 |
| Average equity | $3,256,000 | 7,584 |
| Average total loans | $5,987,500 | 7,938 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0986% | 6,448 |
| Cost of funding earning assets | 2.1630% | 2,970 |
| Net interest margin | 2.9356% | 6,720 |
| Noninterest income to average assets | 0.6794% | 3,120 |
| Noninterest expense to average assets | 3.5228% | 2,274 |
| Loan and lease loss provision to assets | 0.0168% | 7,059 |
| Net operating income to assets | -0.1433% | 6,094 |
| Return on assets (ROA) | 0.6458% | 3,588 |
| Pretax return on assets | 0.6626% | 4,123 |
| Return on Equity (ROE) | 4.8180% | 4,160 |
| Retained earnings to average equity (ytd only) | 4.8180% | 2,625 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9604% | 1,033 |
| Assets per employee ($millions) | 2.6617% | 6,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7361% | 722 |
| Loan loss allowance to noncurrent loans | 872.2222% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 7,395 |
| Noncurrent loans to loans | 0.3137% | 6,729 |
| Net loans and leases to total assets | 23.2979% | 8,002 |
| Net loans and leases to deposits | 30.1317% | 7,991 |
| Net loans and leases to core deposits | 36.6207% | 7,969 |
| Total domestic deposits to total assets | 77.3200% | 6,251 |
| Equity capital to assets | 13.1789% | 1,621 |
| Core capital (leverage) ratio | 13.7013% | 1,211 |
| Tier 1 risk-based capital ratio | 32.0836% | 496 |
| Total risk-based capital ratio | 33.3399% | 486 |
| Memoranda: | ||
| Average total assets | $23,844,670 | 7,822 |
| Average earning assets | $22,006,000 | 7,798 |
| Average equity | $3,196,330 | 7,663 |
| Average total loans | $6,006,670 | 8,026 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3586% | 5,624 |
| Cost of funding earning assets | 2.1946% | 3,193 |
| Net interest margin | 3.1639% | 5,971 |
| Noninterest income to average assets | 0.8071% | 2,289 |
| Noninterest expense to average assets | 3.1274% | 3,276 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5821% | 4,095 |
| Return on assets (ROA) | 1.0929% | 2,110 |
| Pretax return on assets | 1.1097% | 2,947 |
| Return on Equity (ROE) | 8.0846% | 3,109 |
| Retained earnings to average equity (ytd only) | 8.0846% | 1,779 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1629% | 2,283 |
| Assets per employee ($millions) | 2.6032% | 7,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5527% | 724 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 6,674 |
| Noncurrent loans to loans | 1.0705% | 4,841 |
| Net loans and leases to total assets | 25.2550% | 8,021 |
| Net loans and leases to deposits | 33.0227% | 7,996 |
| Net loans and leases to core deposits | 39.5786% | 7,988 |
| Total domestic deposits to total assets | 76.4779% | 6,412 |
| Equity capital to assets | 13.7010% | 1,466 |
| Core capital (leverage) ratio | 13.6608% | 1,276 |
| Tier 1 risk-based capital ratio | 33.4669% | 476 |
| Total risk-based capital ratio | 34.7205% | 474 |
| Memoranda: | ||
| Average total assets | $23,789,500 | 7,870 |
| Average earning assets | $21,871,500 | 7,843 |
| Average equity | $3,216,000 | 7,715 |
| Average total loans | $6,141,000 | 8,076 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4650% | 7,373 |
| Cost of funding earning assets | 2.5810% | 3,786 |
| Net interest margin | 2.8841% | 7,185 |
| Noninterest income to average assets | 0.8074% | 2,475 |
| Noninterest expense to average assets | 3.1704% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2800% | 5,616 |
| Return on assets (ROA) | 0.7017% | 3,721 |
| Pretax return on assets | 0.7355% | 4,287 |
| Return on Equity (ROE) | 5.2588% | 4,262 |
| Retained earnings to average equity (ytd only) | 2.8828% | 3,383 |
| Net charge-offs to loans | -0.0149% | 7,896 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5751% | 1,407 |
| Assets per employee ($millions) | 2.6833% | 6,816 |
| Cash dividends to net income (ytd only)* | 45.1807% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4960% | 686 |
| Loan loss allowance to noncurrent loans | 673.9130% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 7,197 |
| Noncurrent loans to loans | 0.3704% | 6,248 |
| Net loans and leases to total assets | 25.0725% | 8,089 |
| Net loans and leases to deposits | 33.4697% | 8,069 |
| Net loans and leases to core deposits | 40.2459% | 8,048 |
| Total domestic deposits to total assets | 74.9110% | 6,472 |
| Equity capital to assets | 13.3416% | 1,654 |
| Core capital (leverage) ratio | 13.3436% | 1,434 |
| Tier 1 risk-based capital ratio | 31.9100% | 555 |
| Total risk-based capital ratio | 33.2600% | 533 |
| Memoranda: | ||
| Average total assets | $23,656,600 | 7,888 |
| Average earning assets | $21,774,800 | 7,869 |
| Average equity | $3,156,600 | 7,786 |
| Average total loans | $6,698,800 | 8,095 |