Home > Bank Star One > Performance and Condition Ratios
Bank Star One, 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 | 3.0580% | 5,390 |
| Cost of funding earning assets | 0.1615% | 5,261 |
| Net interest margin | 2.8965% | 5,102 |
| Noninterest income to average assets | 0.5202% | 2,896 |
| Noninterest expense to average assets | 2.0483% | 4,882 |
| Loan and lease loss provision to assets | 0.0933% | 2,125 |
| Net operating income to assets | 0.5202% | 4,651 |
| Return on assets (ROA) | 0.5202% | 4,682 |
| Pretax return on assets | 0.8468% | 4,107 |
| Return on Equity (ROE) | 3.2186% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.2186% | 3,796 |
| Net charge-offs to loans | 0.2122% | 963 |
| Credit loss provision to net charge-offs | 68.9655% | 2,391 |
| Earnings coverage of net charge-offs (x) | 6.9483% | 2,654 |
| Efficiency ratio | 68.5402% | 2,915 |
| Assets per employee ($millions) | 8.8039% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0061% | 5,728 |
| Loan loss allowance to noncurrent loans | 3.0928% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 2,780 |
| Noncurrent loans to loans | 0.1972% | 4,330 |
| Net loans and leases to total assets | 62.0635% | 3,623 |
| Net loans and leases to deposits | 79.9077% | 2,919 |
| Net loans and leases to core deposits | 80.4555% | 3,383 |
| Total domestic deposits to total assets | 77.6690% | 4,870 |
| Equity capital to assets | 21.4375% | 166 |
| Core capital (leverage) ratio | 12.6369% | 1,321 |
| Tier 1 risk-based capital ratio | 19.5047% | 1,476 |
| Total risk-based capital ratio | 19.5108% | 1,748 |
| Memoranda: | ||
| Average total assets | $85,731,000 | 4,563 |
| Average earning assets | $73,053,670 | 4,674 |
| Average equity | $13,857,000 | 3,908 |
| Average total loans | $54,661,330 | 4,396 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6987% | 5,816 |
| Cost of funding earning assets | 0.0929% | 5,684 |
| Net interest margin | 1.6058% | 5,804 |
| Noninterest income to average assets | 0.3956% | 3,695 |
| Noninterest expense to average assets | 1.1508% | 5,779 |
| Loan and lease loss provision to assets | 0.0450% | 2,899 |
| Net operating income to assets | 0.3866% | 4,983 |
| Return on assets (ROA) | 0.3866% | 5,008 |
| Pretax return on assets | 0.5979% | 4,739 |
| Return on Equity (ROE) | 2.7985% | 5,148 |
| Retained earnings to average equity (ytd only) | 2.7985% | 4,009 |
| Net charge-offs to loans | 0.1603% | 1,013 |
| Credit loss provision to net charge-offs | 43.4783% | 2,037 |
| Earnings coverage of net charge-offs (x) | 6.2174% | 2,229 |
| Efficiency ratio | 64.1604% | 3,806 |
| Assets per employee ($millions) | 6.0307% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8337% | 906 |
| Loan loss allowance to noncurrent loans | 545.4545% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 2,651 |
| Noncurrent loans to loans | 0.3362% | 3,900 |
| Net loans and leases to total assets | 60.3630% | 3,746 |
| Net loans and leases to deposits | 71.6028% | 3,641 |
| Net loans and leases to core deposits | 71.9974% | 3,985 |
| Total domestic deposits to total assets | 84.3026% | 3,361 |
| Equity capital to assets | 15.2917% | 597 |
| Core capital (leverage) ratio | 15.9587% | 468 |
| Tier 1 risk-based capital ratio | 26.6451% | 650 |
| Total risk-based capital ratio | 27.9042% | 635 |
| Memoranda: | ||
| Average total assets | $88,979,000 | 4,560 |
| Average earning assets | $77,471,500 | 4,621 |
| Average equity | $12,292,500 | 4,168 |
| Average total loans | $57,402,500 | 4,369 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 1,327 |
| Cost of funding earning assets | 0.2646% | 4,418 |
| Net interest margin | 4.3139% | 913 |
| Noninterest income to average assets | 1.7049% | 418 |
| Noninterest expense to average assets | 4.4253% | 404 |
| Loan and lease loss provision to assets | 0.2585% | 800 |
| Net operating income to assets | 0.5744% | 4,328 |
| Return on assets (ROA) | 0.5744% | 4,431 |
| Pretax return on assets | 0.8984% | 3,857 |
| Return on Equity (ROE) | 4.7683% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.2914% | 2,849 |
| Net charge-offs to loans | 0.4519% | 563 |
| Credit loss provision to net charge-offs | 77.8547% | 3,007 |
| Earnings coverage of net charge-offs (x) | 3.4844% | 3,656 |
| Efficiency ratio | 79.2756% | 1,516 |
| Assets per employee ($millions) | 2.6514% | 5,585 |
| Cash dividends to net income (ytd only)* | 10.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 1,525 |
| Loan loss allowance to noncurrent loans | 493.5135% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8263% | 2,281 |
| Noncurrent loans to loans | 0.3126% | 4,023 |
| Net loans and leases to total assets | 66.5931% | 2,992 |
| Net loans and leases to deposits | 76.3286% | 3,284 |
| Net loans and leases to core deposits | 76.7479% | 3,685 |
| Total domestic deposits to total assets | 87.2453% | 2,004 |
| Equity capital to assets | 12.2884% | 1,638 |
| Core capital (leverage) ratio | 12.3823% | 1,388 |
| Tier 1 risk-based capital ratio | 20.2470% | 1,332 |
| Total risk-based capital ratio | 21.5047% | 1,306 |
| Memoranda: | ||
| Average total assets | $87,045,200 | 4,603 |
| Average earning assets | $78,236,200 | 4,624 |
| Average equity | $10,486,000 | 4,494 |
| Average total loans | $63,952,400 | 4,180 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 1,111 |
| Cost of funding earning assets | 0.2667% | 4,427 |
| Net interest margin | 4.4130% | 756 |
| Noninterest income to average assets | 1.6886% | 436 |
| Noninterest expense to average assets | 4.5659% | 362 |
| Loan and lease loss provision to assets | 0.2991% | 568 |
| Net operating income to assets | 0.4985% | 4,704 |
| Return on assets (ROA) | 0.4985% | 4,794 |
| Pretax return on assets | 0.7822% | 4,356 |
| Return on Equity (ROE) | 4.1587% | 4,845 |
| Retained earnings to average equity (ytd only) | 3.5190% | 3,788 |
| Net charge-offs to loans | 0.5894% | 354 |
| Credit loss provision to net charge-offs | 67.7083% | 2,828 |
| Earnings coverage of net charge-offs (x) | 2.4479% | 3,568 |
| Efficiency ratio | 80.8528% | 1,318 |
| Assets per employee ($millions) | 2.6457% | 5,646 |
| Cash dividends to net income (ytd only)* | 15.3859% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 2,117 |
| Loan loss allowance to noncurrent loans | 29,466.6667% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 2,416 |
| Noncurrent loans to loans | 0.0048% | 5,404 |
| Net loans and leases to total assets | 70.3506% | 2,444 |
| Net loans and leases to deposits | 80.7427% | 2,882 |
| Net loans and leases to core deposits | 81.1867% | 3,341 |
| Total domestic deposits to total assets | 87.1293% | 1,836 |
| Equity capital to assets | 12.1571% | 2,005 |
| Core capital (leverage) ratio | 12.1012% | 1,607 |
| Tier 1 risk-based capital ratio | 19.2293% | 1,618 |
| Total risk-based capital ratio | 20.4835% | 1,575 |
| Memoranda: | ||
| Average total assets | $86,932,250 | 4,634 |
| Average earning assets | $77,979,000 | 4,664 |
| Average equity | $10,419,500 | 4,553 |
| Average total loans | $65,145,500 | 4,184 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 1,055 |
| Cost of funding earning assets | 0.2672% | 4,478 |
| Net interest margin | 4.4301% | 717 |
| Noninterest income to average assets | 1.5506% | 508 |
| Noninterest expense to average assets | 4.4927% | 390 |
| Loan and lease loss provision to assets | 0.3802% | 408 |
| Net operating income to assets | 0.3894% | 5,065 |
| Return on assets (ROA) | 0.3894% | 5,145 |
| Pretax return on assets | 0.6129% | 4,848 |
| Return on Equity (ROE) | 3.2642% | 5,172 |
| Retained earnings to average equity (ytd only) | 2.2985% | 4,411 |
| Net charge-offs to loans | 1.2165% | 140 |
| Credit loss provision to net charge-offs | 41.0448% | 2,756 |
| Earnings coverage of net charge-offs (x) | 1.0721% | 3,456 |
| Efficiency ratio | 81.8984% | 1,284 |
| Assets per employee ($millions) | 2.6535% | 5,705 |
| Cash dividends to net income (ytd only)* | 29.5858% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 3,640 |
| Loan loss allowance to noncurrent loans | 548.1481% | 989 |
| Noncurrent assets plus other real estate owned to assets | 2.7112% | 479 |
| Noncurrent loans to loans | 0.2100% | 4,600 |
| Net loans and leases to total assets | 72.5869% | 2,070 |
| Net loans and leases to deposits | 83.0806% | 2,583 |
| Net loans and leases to core deposits | 83.5338% | 3,125 |
| Total domestic deposits to total assets | 87.3692% | 1,727 |
| Equity capital to assets | 11.9467% | 2,166 |
| Core capital (leverage) ratio | 11.7758% | 1,796 |
| Tier 1 risk-based capital ratio | 17.1394% | 2,170 |
| Total risk-based capital ratio | 18.3563% | 2,139 |
| Memoranda: | ||
| Average total assets | $86,807,330 | 4,677 |
| Average earning assets | $77,108,670 | 4,725 |
| Average equity | $10,354,670 | 4,589 |
| Average total loans | $66,092,330 | 4,192 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6707% | 1,105 |
| Cost of funding earning assets | 0.2711% | 4,485 |
| Net interest margin | 4.3997% | 743 |
| Noninterest income to average assets | 1.3514% | 608 |
| Noninterest expense to average assets | 4.5170% | 391 |
| Loan and lease loss provision to assets | 0.6248% | 173 |
| Net operating income to assets | 0.0926% | 5,692 |
| Return on assets (ROA) | 0.0926% | 5,734 |
| Pretax return on assets | 0.1157% | 5,726 |
| Return on Equity (ROE) | 0.7766% | 5,729 |
| Retained earnings to average equity (ytd only) | -1.1649% | 5,300 |
| Net charge-offs to loans | 2.6811% | 46 |
| Credit loss provision to net charge-offs | 30.0668% | 2,225 |
| Earnings coverage of net charge-offs (x) | 0.3563% | 2,936 |
| Efficiency ratio | 85.9155% | 982 |
| Assets per employee ($millions) | 2.7250% | 5,717 |
| Cash dividends to net income (ytd only)* | 250.0000% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 4,567 |
| Loan loss allowance to noncurrent loans | 483.9416% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 2.7248% | 514 |
| Noncurrent loans to loans | 0.2079% | 4,679 |
| Net loans and leases to total assets | 74.8005% | 1,598 |
| Net loans and leases to deposits | 85.3833% | 2,137 |
| Net loans and leases to core deposits | 85.8485% | 2,764 |
| Total domestic deposits to total assets | 87.6055% | 1,862 |
| Equity capital to assets | 11.8142% | 2,145 |
| Core capital (leverage) ratio | 12.0282% | 1,585 |
| Tier 1 risk-based capital ratio | 16.6534% | 2,420 |
| Total risk-based capital ratio | 17.7281% | 2,438 |
| Memoranda: | ||
| Average total assets | $86,429,000 | 4,726 |
| Average earning assets | $76,733,000 | 4,779 |
| Average equity | $10,301,500 | 4,616 |
| Average total loans | $66,988,500 | 4,195 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0724% | 546 |
| Cost of funding earning assets | 0.2617% | 4,676 |
| Net interest margin | 4.8107% | 363 |
| Noninterest income to average assets | 1.7871% | 417 |
| Noninterest expense to average assets | 4.9129% | 297 |
| Loan and lease loss provision to assets | 0.0702% | 2,879 |
| Net operating income to assets | 0.7103% | 3,765 |
| Return on assets (ROA) | 0.7080% | 3,883 |
| Pretax return on assets | 1.1024% | 3,048 |
| Return on Equity (ROE) | 5.9797% | 4,041 |
| Retained earnings to average equity (ytd only) | 3.0145% | 3,909 |
| Net charge-offs to loans | 0.1616% | 1,752 |
| Credit loss provision to net charge-offs | 54.0541% | 3,347 |
| Earnings coverage of net charge-offs (x) | 9.0541% | 2,874 |
| Efficiency ratio | 80.6842% | 1,586 |
| Assets per employee ($millions) | 2.8553% | 5,656 |
| Cash dividends to net income (ytd only)* | 49.5868% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 2,274 |
| Loan loss allowance to noncurrent loans | 334.5890% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 2,014 |
| Noncurrent loans to loans | 0.4289% | 3,923 |
| Net loans and leases to total assets | 78.3476% | 1,073 |
| Net loans and leases to deposits | 89.6475% | 1,664 |
| Net loans and leases to core deposits | 90.1448% | 2,389 |
| Total domestic deposits to total assets | 87.3952% | 1,930 |
| Equity capital to assets | 12.0257% | 1,934 |
| Core capital (leverage) ratio | 12.1774% | 1,517 |
| Tier 1 risk-based capital ratio | 16.6022% | 2,424 |
| Total risk-based capital ratio | 17.8558% | 2,384 |
| Memoranda: | ||
| Average total assets | $85,447,800 | 4,756 |
| Average earning assets | $76,413,400 | 4,803 |
| Average equity | $10,117,600 | 4,645 |
| Average total loans | $68,667,200 | 4,129 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0958% | 517 |
| Cost of funding earning assets | 0.2635% | 4,734 |
| Net interest margin | 4.8323% | 352 |
| Noninterest income to average assets | 1.7893% | 420 |
| Noninterest expense to average assets | 5.0197% | 281 |
| Loan and lease loss provision to assets | 0.1405% | 1,579 |
| Net operating income to assets | 0.6057% | 4,356 |
| Return on assets (ROA) | 0.6027% | 4,478 |
| Pretax return on assets | 0.9477% | 3,821 |
| Return on Equity (ROE) | 5.1098% | 4,576 |
| Retained earnings to average equity (ytd only) | 2.1313% | 4,819 |
| Net charge-offs to loans | 0.1453% | 1,674 |
| Credit loss provision to net charge-offs | 120.0000% | 1,986 |
| Earnings coverage of net charge-offs (x) | 9.3331% | 2,707 |
| Efficiency ratio | 82.1201% | 1,378 |
| Assets per employee ($millions) | 2.5332% | 5,944 |
| Cash dividends to net income (ytd only)* | 58.2901% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 2,009 |
| Loan loss allowance to noncurrent loans | 183.3040% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 2.3267% | 781 |
| Noncurrent loans to loans | 0.8384% | 2,874 |
| Net loans and leases to total assets | 79.9376% | 832 |
| Net loans and leases to deposits | 91.5823% | 1,456 |
| Net loans and leases to core deposits | 92.1023% | 2,251 |
| Total domestic deposits to total assets | 87.2850% | 1,901 |
| Equity capital to assets | 12.1671% | 1,988 |
| Core capital (leverage) ratio | 11.9673% | 1,690 |
| Tier 1 risk-based capital ratio | 15.7117% | 2,943 |
| Total risk-based capital ratio | 16.9644% | 2,877 |
| Memoranda: | ||
| Average total assets | $85,395,250 | 4,812 |
| Average earning assets | $76,400,250 | 4,856 |
| Average equity | $10,071,750 | 4,709 |
| Average total loans | $68,812,000 | 4,163 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0756% | 533 |
| Cost of funding earning assets | 0.2626% | 4,803 |
| Net interest margin | 4.8130% | 350 |
| Noninterest income to average assets | 1.6838% | 474 |
| Noninterest expense to average assets | 4.9654% | 296 |
| Loan and lease loss provision to assets | 0.1395% | 1,564 |
| Net operating income to assets | 0.5603% | 4,519 |
| Return on assets (ROA) | 0.5558% | 4,644 |
| Pretax return on assets | 0.8768% | 4,044 |
| Return on Equity (ROE) | 4.7616% | 4,724 |
| Retained earnings to average equity (ytd only) | 1.7731% | 4,812 |
| Net charge-offs to loans | 0.0723% | 2,355 |
| Credit loss provision to net charge-offs | 240.0000% | 1,074 |
| Earnings coverage of net charge-offs (x) | 17.6000% | 1,848 |
| Efficiency ratio | 82.9126% | 1,385 |
| Assets per employee ($millions) | 2.2626% | 6,144 |
| Cash dividends to net income (ytd only)* | 62.7615% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 2,173 |
| Loan loss allowance to noncurrent loans | 171.1755% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 1.5911% | 1,515 |
| Noncurrent loans to loans | 0.8927% | 2,898 |
| Net loans and leases to total assets | 79.6713% | 847 |
| Net loans and leases to deposits | 90.8824% | 1,496 |
| Net loans and leases to core deposits | 91.3807% | 2,207 |
| Total domestic deposits to total assets | 87.6641% | 1,805 |
| Equity capital to assets | 11.7217% | 2,232 |
| Core capital (leverage) ratio | 11.8061% | 1,770 |
| Tier 1 risk-based capital ratio | 15.1906% | 3,256 |
| Total risk-based capital ratio | 16.4450% | 3,187 |
| Memoranda: | ||
| Average total assets | $85,995,670 | 4,855 |
| Average earning assets | $76,916,330 | 4,891 |
| Average equity | $10,038,670 | 4,743 |
| Average total loans | $69,127,330 | 4,184 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8484% | 784 |
| Cost of funding earning assets | 0.2595% | 4,911 |
| Net interest margin | 4.5888% | 511 |
| Noninterest income to average assets | 1.4139% | 585 |
| Noninterest expense to average assets | 4.8555% | 331 |
| Loan and lease loss provision to assets | 0.1395% | 1,477 |
| Net operating income to assets | 0.3391% | 5,283 |
| Return on assets (ROA) | 0.3302% | 5,416 |
| Pretax return on assets | 0.5162% | 5,139 |
| Return on Equity (ROE) | 2.8346% | 5,437 |
| Retained earnings to average equity (ytd only) | -1.1578% | 5,574 |
| Net charge-offs to loans | -0.0116% | 4,782 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8788% | 1,025 |
| Assets per employee ($millions) | 2.2497% | 6,213 |
| Cash dividends to net income (ytd only)* | 140.8451% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 2,323 |
| Loan loss allowance to noncurrent loans | 107.7236% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.9874% | 1,194 |
| Noncurrent loans to loans | 1.4208% | 2,021 |
| Net loans and leases to total assets | 79.7696% | 709 |
| Net loans and leases to deposits | 91.1661% | 1,275 |
| Net loans and leases to core deposits | 91.6686% | 1,972 |
| Total domestic deposits to total assets | 87.4991% | 2,108 |
| Equity capital to assets | 11.6809% | 2,311 |
| Core capital (leverage) ratio | 11.7543% | 1,809 |
| Tier 1 risk-based capital ratio | 16.4540% | 2,703 |
| Total risk-based capital ratio | 17.7100% | 2,639 |
| Memoranda: | ||
| Average total assets | $86,005,000 | 4,903 |
| Average earning assets | $77,056,500 | 4,940 |
| Average equity | $10,019,000 | 4,780 |
| Average total loans | $68,910,000 | 4,206 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1551% | 568 |
| Cost of funding earning assets | 0.3060% | 4,733 |
| Net interest margin | 4.8491% | 398 |
| Noninterest income to average assets | 1.6734% | 458 |
| Noninterest expense to average assets | 4.8420% | 349 |
| Loan and lease loss provision to assets | -0.5426% | 6,453 |
| Net operating income to assets | 1.0603% | 2,128 |
| Return on assets (ROA) | 1.0589% | 2,190 |
| Pretax return on assets | 1.6254% | 1,161 |
| Return on Equity (ROE) | 9.6220% | 2,283 |
| Retained earnings to average equity (ytd only) | 6.5081% | 1,634 |
| Net charge-offs to loans | 0.2589% | 1,664 |
| Credit loss provision to net charge-offs | -274.5665% | 5,688 |
| Earnings coverage of net charge-offs (x) | 5.4913% | 3,409 |
| Efficiency ratio | 81.6920% | 1,695 |
| Assets per employee ($millions) | 2.2768% | 6,281 |
| Cash dividends to net income (ytd only)* | 32.3625% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 2,480 |
| Loan loss allowance to noncurrent loans | 1,939.6226% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.9986% | 2,750 |
| Noncurrent loans to loans | 0.0773% | 5,576 |
| Net loans and leases to total assets | 78.0594% | 989 |
| Net loans and leases to deposits | 88.7675% | 1,643 |
| Net loans and leases to core deposits | 89.2473% | 2,356 |
| Total domestic deposits to total assets | 87.9369% | 1,809 |
| Equity capital to assets | 11.6181% | 2,326 |
| Core capital (leverage) ratio | 11.6615% | 1,854 |
| Tier 1 risk-based capital ratio | 16.5561% | 2,693 |
| Total risk-based capital ratio | 17.8116% | 2,633 |
| Memoranda: | ||
| Average total assets | $87,547,200 | 4,897 |
| Average earning assets | $76,797,800 | 4,963 |
| Average equity | $9,634,200 | 4,831 |
| Average total loans | $66,813,200 | 4,272 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1553% | 572 |
| Cost of funding earning assets | 0.3168% | 4,707 |
| Net interest margin | 4.8386% | 396 |
| Noninterest income to average assets | 1.6840% | 459 |
| Noninterest expense to average assets | 4.7833% | 364 |
| Loan and lease loss provision to assets | -0.7896% | 6,556 |
| Net operating income to assets | 1.2072% | 1,658 |
| Return on assets (ROA) | 1.2072% | 1,722 |
| Pretax return on assets | 1.9118% | 702 |
| Return on Equity (ROE) | 11.1227% | 1,743 |
| Retained earnings to average equity (ytd only) | 7.9748% | 1,373 |
| Net charge-offs to loans | 0.2652% | 1,473 |
| Credit loss provision to net charge-offs | -393.9394% | 5,701 |
| Earnings coverage of net charge-offs (x) | 5.5984% | 3,230 |
| Efficiency ratio | 80.9977% | 1,763 |
| Assets per employee ($millions) | 2.2087% | 6,376 |
| Cash dividends to net income (ytd only)* | 28.3017% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 2,608 |
| Loan loss allowance to noncurrent loans | 1,296.2025% | 451 |
| Noncurrent assets plus other real estate owned to assets | 1.4511% | 2,128 |
| Noncurrent loans to loans | 0.1175% | 5,575 |
| Net loans and leases to total assets | 76.8786% | 1,112 |
| Net loans and leases to deposits | 87.5932% | 1,723 |
| Net loans and leases to core deposits | 88.0685% | 2,418 |
| Total domestic deposits to total assets | 87.7677% | 1,887 |
| Equity capital to assets | 11.5671% | 2,417 |
| Core capital (leverage) ratio | 11.4278% | 2,121 |
| Tier 1 risk-based capital ratio | 16.6000% | 2,769 |
| Total risk-based capital ratio | 17.8561% | 2,723 |
| Memoranda: | ||
| Average total assets | $87,804,000 | 4,944 |
| Average earning assets | $76,604,750 | 5,019 |
| Average equity | $9,529,750 | 4,894 |
| Average total loans | $66,375,250 | 4,322 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0661% | 661 |
| Cost of funding earning assets | 0.3287% | 4,657 |
| Net interest margin | 4.7374% | 460 |
| Noninterest income to average assets | 1.4894% | 550 |
| Noninterest expense to average assets | 4.7149% | 386 |
| Loan and lease loss provision to assets | 0.1358% | 1,824 |
| Net operating income to assets | 0.4776% | 4,904 |
| Return on assets (ROA) | 0.4776% | 4,974 |
| Pretax return on assets | 0.7492% | 4,463 |
| Return on Equity (ROE) | 4.4965% | 4,919 |
| Retained earnings to average equity (ytd only) | 1.2999% | 5,221 |
| Net charge-offs to loans | 0.3753% | 1,080 |
| Credit loss provision to net charge-offs | 48.3871% | 2,814 |
| Earnings coverage of net charge-offs (x) | 3.1532% | 3,378 |
| Efficiency ratio | 84.1956% | 1,485 |
| Assets per employee ($millions) | 2.1917% | 6,441 |
| Cash dividends to net income (ytd only)* | 71.0900% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3896% | 820 |
| Loan loss allowance to noncurrent loans | 5,558.6207% | 123 |
| Noncurrent assets plus other real estate owned to assets | 1.4737% | 2,215 |
| Noncurrent loans to loans | 0.0430% | 5,925 |
| Net loans and leases to total assets | 75.1106% | 1,292 |
| Net loans and leases to deposits | 84.5549% | 1,975 |
| Net loans and leases to core deposits | 84.9992% | 2,615 |
| Total domestic deposits to total assets | 88.8306% | 1,456 |
| Equity capital to assets | 10.7953% | 3,094 |
| Core capital (leverage) ratio | 10.7549% | 2,670 |
| Tier 1 risk-based capital ratio | 15.8924% | 3,150 |
| Total risk-based capital ratio | 17.1609% | 3,076 |
| Memoranda: | ||
| Average total assets | $88,358,330 | 4,968 |
| Average earning assets | $76,666,000 | 5,053 |
| Average equity | $9,385,000 | 4,938 |
| Average total loans | $66,084,330 | 4,349 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 598 |
| Cost of funding earning assets | 0.3480% | 4,558 |
| Net interest margin | 4.7453% | 423 |
| Noninterest income to average assets | 1.3709% | 619 |
| Noninterest expense to average assets | 4.5229% | 448 |
| Loan and lease loss provision to assets | 0.1353% | 1,794 |
| Net operating income to assets | 0.5005% | 4,684 |
| Return on assets (ROA) | 0.5005% | 4,768 |
| Pretax return on assets | 0.7711% | 4,220 |
| Return on Equity (ROE) | 4.7509% | 4,663 |
| Retained earnings to average equity (ytd only) | 1.5408% | 4,991 |
| Net charge-offs to loans | 0.4526% | 802 |
| Credit loss provision to net charge-offs | 40.5405% | 2,293 |
| Earnings coverage of net charge-offs (x) | 2.7162% | 2,813 |
| Efficiency ratio | 83.3056% | 1,755 |
| Assets per employee ($millions) | 2.2157% | 6,512 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5023% | 809 |
| Loan loss allowance to noncurrent loans | 3,547.8261% | 169 |
| Noncurrent assets plus other real estate owned to assets | 1.3009% | 2,693 |
| Noncurrent loans to loans | 0.0705% | 5,929 |
| Net loans and leases to total assets | 71.7451% | 1,613 |
| Net loans and leases to deposits | 80.4766% | 2,230 |
| Net loans and leases to core deposits | 81.9652% | 2,739 |
| Total domestic deposits to total assets | 89.1503% | 1,557 |
| Equity capital to assets | 10.5744% | 3,172 |
| Core capital (leverage) ratio | 10.6969% | 2,703 |
| Tier 1 risk-based capital ratio | 16.4490% | 2,921 |
| Total risk-based capital ratio | 17.7187% | 2,884 |
| Memoranda: | ||
| Average total assets | $88,703,500 | 5,002 |
| Average earning assets | $75,865,000 | 5,120 |
| Average equity | $9,345,500 | 4,966 |
| Average total loans | $65,396,500 | 4,419 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0940% | 769 |
| Cost of funding earning assets | 0.3874% | 4,776 |
| Net interest margin | 4.7066% | 507 |
| Noninterest income to average assets | 1.7074% | 501 |
| Noninterest expense to average assets | 4.9404% | 363 |
| Loan and lease loss provision to assets | 0.0436% | 4,251 |
| Net operating income to assets | 0.5782% | 4,370 |
| Return on assets (ROA) | 0.5782% | 4,482 |
| Pretax return on assets | 0.8777% | 3,859 |
| Return on Equity (ROE) | 5.8483% | 4,177 |
| Retained earnings to average equity (ytd only) | 4.7469% | 2,778 |
| Net charge-offs to loans | 0.7968% | 789 |
| Credit loss provision to net charge-offs | 7.2202% | 4,619 |
| Earnings coverage of net charge-offs (x) | 1.5271% | 4,548 |
| Efficiency ratio | 84.2839% | 1,597 |
| Assets per employee ($millions) | 2.2195% | 6,557 |
| Cash dividends to net income (ytd only)* | 18.8324% | 3,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5559% | 773 |
| Loan loss allowance to noncurrent loans | 1,124.8322% | 456 |
| Noncurrent assets plus other real estate owned to assets | 1.6198% | 2,291 |
| Noncurrent loans to loans | 0.2272% | 5,506 |
| Net loans and leases to total assets | 71.9750% | 1,682 |
| Net loans and leases to deposits | 80.6080% | 2,373 |
| Net loans and leases to core deposits | 82.0900% | 2,886 |
| Total domestic deposits to total assets | 89.2901% | 1,435 |
| Equity capital to assets | 10.4970% | 3,164 |
| Core capital (leverage) ratio | 10.5817% | 2,804 |
| Tier 1 risk-based capital ratio | 16.2574% | 2,985 |
| Total risk-based capital ratio | 17.5274% | 2,925 |
| Memoranda: | ||
| Average total assets | $91,834,400 | 4,934 |
| Average earning assets | $81,056,600 | 5,010 |
| Average equity | $9,079,600 | 5,065 |
| Average total loans | $69,530,000 | 4,284 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0292% | 886 |
| Cost of funding earning assets | 0.3924% | 4,884 |
| Net interest margin | 4.6368% | 578 |
| Noninterest income to average assets | 1.7826% | 490 |
| Noninterest expense to average assets | 4.9618% | 345 |
| Loan and lease loss provision to assets | 0.4406% | 654 |
| Net operating income to assets | 0.3485% | 5,439 |
| Return on assets (ROA) | 0.3485% | 5,567 |
| Pretax return on assets | 0.5486% | 5,208 |
| Return on Equity (ROE) | 3.5773% | 5,399 |
| Retained earnings to average equity (ytd only) | 3.5773% | 4,150 |
| Net charge-offs to loans | 0.8225% | 712 |
| Credit loss provision to net charge-offs | 70.3448% | 3,063 |
| Earnings coverage of net charge-offs (x) | 1.5793% | 4,310 |
| Efficiency ratio | 83.3777% | 1,669 |
| Assets per employee ($millions) | 2.2725% | 6,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1913% | 457 |
| Loan loss allowance to noncurrent loans | 419.7556% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 1.8526% | 2,196 |
| Noncurrent loans to loans | 0.7603% | 4,329 |
| Net loans and leases to total assets | 68.7804% | 2,182 |
| Net loans and leases to deposits | 76.8975% | 2,831 |
| Net loans and leases to core deposits | 79.0262% | 3,226 |
| Total domestic deposits to total assets | 89.4442% | 1,334 |
| Equity capital to assets | 10.0189% | 3,875 |
| Core capital (leverage) ratio | 9.8995% | 3,813 |
| Tier 1 risk-based capital ratio | 16.7625% | 2,833 |
| Total risk-based capital ratio | 18.0425% | 2,764 |
| Memoranda: | ||
| Average total assets | $92,598,500 | 4,960 |
| Average earning assets | $83,244,750 | 4,992 |
| Average equity | $9,019,750 | 5,135 |
| Average total loans | $70,519,000 | 4,282 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0022% | 906 |
| Cost of funding earning assets | 0.4026% | 4,920 |
| Net interest margin | 4.5996% | 597 |
| Noninterest income to average assets | 1.8913% | 481 |
| Noninterest expense to average assets | 5.0448% | 340 |
| Loan and lease loss provision to assets | 0.5603% | 464 |
| Net operating income to assets | 0.2705% | 5,712 |
| Return on assets (ROA) | 0.2705% | 5,849 |
| Pretax return on assets | 0.4315% | 5,575 |
| Return on Equity (ROE) | 2.8029% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.8029% | 4,531 |
| Net charge-offs to loans | 0.9297% | 667 |
| Credit loss provision to net charge-offs | 77.4481% | 2,677 |
| Earnings coverage of net charge-offs (x) | 1.3709% | 4,085 |
| Efficiency ratio | 83.5704% | 1,686 |
| Assets per employee ($millions) | 2.2613% | 6,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0315% | 568 |
| Loan loss allowance to noncurrent loans | 166.7192% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 2.8583% | 1,437 |
| Noncurrent loans to loans | 1.8183% | 2,612 |
| Net loans and leases to total assets | 72.9366% | 1,416 |
| Net loans and leases to deposits | 81.0298% | 2,173 |
| Net loans and leases to core deposits | 83.9939% | 2,564 |
| Total domestic deposits to total assets | 90.0121% | 1,015 |
| Equity capital to assets | 9.6762% | 4,346 |
| Core capital (leverage) ratio | 9.8298% | 3,753 |
| Tier 1 risk-based capital ratio | 15.0977% | 3,710 |
| Total risk-based capital ratio | 16.3761% | 3,655 |
| Memoranda: | ||
| Average total assets | $93,165,330 | 4,982 |
| Average earning assets | $83,963,330 | 5,009 |
| Average equity | $8,990,670 | 5,172 |
| Average total loans | $72,498,330 | 4,225 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8975% | 1,090 |
| Cost of funding earning assets | 0.4125% | 4,985 |
| Net interest margin | 4.4850% | 695 |
| Noninterest income to average assets | 1.6404% | 577 |
| Noninterest expense to average assets | 4.7542% | 439 |
| Loan and lease loss provision to assets | 0.9251% | 210 |
| Net operating income to assets | 0.0086% | 6,330 |
| Return on assets (ROA) | 0.0086% | 6,406 |
| Pretax return on assets | 0.0128% | 6,389 |
| Return on Equity (ROE) | 0.0889% | 6,406 |
| Retained earnings to average equity (ytd only) | 0.0889% | 5,747 |
| Net charge-offs to loans | 1.5214% | 354 |
| Credit loss provision to net charge-offs | 76.8683% | 2,202 |
| Earnings coverage of net charge-offs (x) | 0.7794% | 3,571 |
| Efficiency ratio | 83.5214% | 1,831 |
| Assets per employee ($millions) | 2.2255% | 6,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9618% | 685 |
| Loan loss allowance to noncurrent loans | 169.5930% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 3.0684% | 1,448 |
| Noncurrent loans to loans | 1.7464% | 2,935 |
| Net loans and leases to total assets | 74.4867% | 1,013 |
| Net loans and leases to deposits | 82.6041% | 1,756 |
| Net loans and leases to core deposits | 85.5875% | 2,150 |
| Total domestic deposits to total assets | 90.1732% | 946 |
| Equity capital to assets | 9.6235% | 4,673 |
| Core capital (leverage) ratio | 9.7333% | 3,748 |
| Tier 1 risk-based capital ratio | 14.7157% | 4,026 |
| Total risk-based capital ratio | 15.9937% | 3,970 |
| Memoranda: | ||
| Average total assets | $93,392,000 | 5,017 |
| Average earning assets | $84,369,500 | 5,030 |
| Average equity | $9,000,500 | 5,222 |
| Average total loans | $73,880,000 | 4,205 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2366% | 1,043 |
| Cost of funding earning assets | 0.5483% | 4,833 |
| Net interest margin | 4.6883% | 664 |
| Noninterest income to average assets | 2.3320% | 343 |
| Noninterest expense to average assets | 4.5814% | 531 |
| Loan and lease loss provision to assets | 1.2330% | 290 |
| Net operating income to assets | 0.4845% | 4,747 |
| Return on assets (ROA) | 0.5233% | 4,854 |
| Pretax return on assets | 0.8384% | 4,155 |
| Return on Equity (ROE) | 5.5531% | 4,402 |
| Retained earnings to average equity (ytd only) | 3.3319% | 3,877 |
| Net charge-offs to loans | 0.4410% | 2,471 |
| Credit loss provision to net charge-offs | 348.5207% | 702 |
| Earnings coverage of net charge-offs (x) | 5.6834% | 2,977 |
| Efficiency ratio | 69.4983% | 3,896 |
| Assets per employee ($millions) | 2.2218% | 6,820 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8811% | 746 |
| Loan loss allowance to noncurrent loans | 444.2191% | 905 |
| Noncurrent assets plus other real estate owned to assets | 1.9782% | 2,479 |
| Noncurrent loans to loans | 0.6486% | 4,898 |
| Net loans and leases to total assets | 79.1116% | 551 |
| Net loans and leases to deposits | 87.7373% | 1,307 |
| Net loans and leases to core deposits | 91.3719% | 1,689 |
| Total domestic deposits to total assets | 90.1688% | 865 |
| Equity capital to assets | 9.6512% | 4,652 |
| Core capital (leverage) ratio | 9.5154% | 4,082 |
| Tier 1 risk-based capital ratio | 14.2644% | 4,190 |
| Total risk-based capital ratio | 15.5415% | 4,128 |
| Memoranda: | ||
| Average total assets | $95,539,000 | 4,951 |
| Average earning assets | $86,812,600 | 4,946 |
| Average equity | $9,004,000 | 5,228 |
| Average total loans | $76,641,800 | 4,133 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2756% | 1,056 |
| Cost of funding earning assets | 0.5833% | 4,805 |
| Net interest margin | 4.6923% | 679 |
| Noninterest income to average assets | 2.2214% | 364 |
| Noninterest expense to average assets | 4.4150% | 593 |
| Loan and lease loss provision to assets | 0.8103% | 579 |
| Net operating income to assets | 0.7907% | 3,496 |
| Return on assets (ROA) | 0.8422% | 3,496 |
| Pretax return on assets | 1.3403% | 2,451 |
| Return on Equity (ROE) | 8.9888% | 2,807 |
| Retained earnings to average equity (ytd only) | 6.0271% | 2,684 |
| Net charge-offs to loans | 0.0590% | 4,836 |
| Credit loss provision to net charge-offs | 1,717.6471% | 157 |
| Earnings coverage of net charge-offs (x) | 43.8844% | 823 |
| Efficiency ratio | 68.0787% | 4,045 |
| Assets per employee ($millions) | 2.2951% | 6,864 |
| Cash dividends to net income (ytd only)* | 32.9491% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5230% | 1,183 |
| Loan loss allowance to noncurrent loans | 327.5862% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 1.8958% | 2,792 |
| Noncurrent loans to loans | 0.7702% | 4,869 |
| Net loans and leases to total assets | 78.0077% | 728 |
| Net loans and leases to deposits | 86.6464% | 1,524 |
| Net loans and leases to core deposits | 90.4527% | 1,927 |
| Total domestic deposits to total assets | 90.0299% | 834 |
| Equity capital to assets | 9.6981% | 4,924 |
| Core capital (leverage) ratio | 9.6736% | 4,007 |
| Tier 1 risk-based capital ratio | 14.5909% | 4,124 |
| Total risk-based capital ratio | 15.8625% | 4,079 |
| Memoranda: | ||
| Average total assets | $96,095,000 | 4,983 |
| Average earning assets | $87,318,250 | 4,981 |
| Average equity | $9,003,500 | 5,270 |
| Average total loans | $76,799,000 | 4,175 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2880% | 1,080 |
| Cost of funding earning assets | 0.6101% | 4,810 |
| Net interest margin | 4.6780% | 705 |
| Noninterest income to average assets | 2.0029% | 405 |
| Noninterest expense to average assets | 4.2724% | 671 |
| Loan and lease loss provision to assets | 0.2067% | 3,006 |
| Net operating income to assets | 1.1242% | 1,963 |
| Return on assets (ROA) | 1.2009% | 1,910 |
| Pretax return on assets | 1.8913% | 861 |
| Return on Equity (ROE) | 12.9649% | 1,371 |
| Retained earnings to average equity (ytd only) | 8.5019% | 1,451 |
| Net charge-offs to loans | 0.1190% | 3,979 |
| Credit loss provision to net charge-offs | 217.3913% | 1,304 |
| Earnings coverage of net charge-offs (x) | 20.8043% | 1,370 |
| Efficiency ratio | 68.3532% | 4,061 |
| Assets per employee ($millions) | 2.6683% | 6,573 |
| Cash dividends to net income (ytd only)* | 34.4234% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8219% | 2,778 |
| Loan loss allowance to noncurrent loans | 936.0000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 1.3138% | 3,803 |
| Noncurrent loans to loans | 0.1946% | 6,194 |
| Net loans and leases to total assets | 78.7649% | 640 |
| Net loans and leases to deposits | 87.3279% | 1,438 |
| Net loans and leases to core deposits | 90.0918% | 1,972 |
| Total domestic deposits to total assets | 90.1945% | 818 |
| Equity capital to assets | 9.4703% | 5,104 |
| Core capital (leverage) ratio | 9.3953% | 4,305 |
| Tier 1 risk-based capital ratio | 14.0600% | 4,402 |
| Total risk-based capital ratio | 15.3214% | 4,357 |
| Memoranda: | ||
| Average total assets | $96,759,670 | 4,989 |
| Average earning assets | $87,858,670 | 4,993 |
| Average equity | $8,962,670 | 5,278 |
| Average total loans | $77,296,670 | 4,174 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2529% | 1,201 |
| Cost of funding earning assets | 0.6217% | 4,950 |
| Net interest margin | 4.6312% | 775 |
| Noninterest income to average assets | 1.9565% | 423 |
| Noninterest expense to average assets | 4.0366% | 895 |
| Loan and lease loss provision to assets | 0.2265% | 2,681 |
| Net operating income to assets | 1.2105% | 1,705 |
| Return on assets (ROA) | 1.3634% | 1,449 |
| Pretax return on assets | 2.1666% | 572 |
| Return on Equity (ROE) | 14.8839% | 992 |
| Retained earnings to average equity (ytd only) | 14.8839% | 457 |
| Net charge-offs to loans | 0.1705% | 3,065 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 15.8485% | 1,398 |
| Efficiency ratio | 65.2029% | 4,699 |
| Assets per employee ($millions) | 2.6721% | 6,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 3,227 |
| Loan loss allowance to noncurrent loans | 415.7576% | 815 |
| Noncurrent assets plus other real estate owned to assets | 1.4231% | 3,730 |
| Noncurrent loans to loans | 0.4164% | 5,837 |
| Net loans and leases to total assets | 78.7780% | 516 |
| Net loans and leases to deposits | 86.9566% | 1,298 |
| Net loans and leases to core deposits | 89.6087% | 1,891 |
| Total domestic deposits to total assets | 90.5946% | 750 |
| Equity capital to assets | 9.1373% | 5,312 |
| Core capital (leverage) ratio | 9.6050% | 3,908 |
| Tier 1 risk-based capital ratio | 13.5112% | 4,819 |
| Total risk-based capital ratio | 14.7705% | 4,799 |
| Memoranda: | ||
| Average total assets | $97,110,500 | 5,014 |
| Average earning assets | $88,788,500 | 4,997 |
| Average equity | $8,895,500 | 5,318 |
| Average total loans | $77,413,000 | 4,202 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3527% | 1,557 |
| Cost of funding earning assets | 0.7534% | 5,184 |
| Net interest margin | 4.5992% | 927 |
| Noninterest income to average assets | 1.4753% | 598 |
| Noninterest expense to average assets | 4.4387% | 621 |
| Loan and lease loss provision to assets | 0.8580% | 1,132 |
| Net operating income to assets | 0.2223% | 5,520 |
| Return on assets (ROA) | 0.2223% | 5,660 |
| Pretax return on assets | 0.3486% | 5,430 |
| Return on Equity (ROE) | 2.3410% | 5,531 |
| Retained earnings to average equity (ytd only) | -2.2046% | 6,178 |
| Net charge-offs to loans | 1.0658% | 1,623 |
| Credit loss provision to net charge-offs | 108.7551% | 3,096 |
| Earnings coverage of net charge-offs (x) | 1.5294% | 4,631 |
| Efficiency ratio | 78.6274% | 2,508 |
| Assets per employee ($millions) | 2.5093% | 6,821 |
| Cash dividends to net income (ytd only)* | 194.1748% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 2,910 |
| Loan loss allowance to noncurrent loans | 427.2152% | 797 |
| Noncurrent assets plus other real estate owned to assets | 1.0404% | 4,528 |
| Noncurrent loans to loans | 0.4182% | 5,877 |
| Net loans and leases to total assets | 77.8348% | 726 |
| Net loans and leases to deposits | 88.8550% | 1,284 |
| Net loans and leases to core deposits | 90.0921% | 2,121 |
| Total domestic deposits to total assets | 87.5975% | 2,409 |
| Equity capital to assets | 9.1839% | 5,316 |
| Core capital (leverage) ratio | 9.0936% | 4,632 |
| Tier 1 risk-based capital ratio | 13.8506% | 4,442 |
| Total risk-based capital ratio | 15.1110% | 4,389 |
| Memoranda: | ||
| Average total assets | $92,661,400 | 5,108 |
| Average earning assets | $84,014,400 | 5,120 |
| Average equity | $8,799,800 | 5,338 |
| Average total loans | $68,584,600 | 4,545 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2642% | 1,980 |
| Cost of funding earning assets | 0.7694% | 5,334 |
| Net interest margin | 4.4947% | 1,167 |
| Noninterest income to average assets | 1.3639% | 706 |
| Noninterest expense to average assets | 4.3338% | 690 |
| Loan and lease loss provision to assets | 0.3986% | 2,464 |
| Net operating income to assets | 0.4493% | 4,784 |
| Return on assets (ROA) | 0.4493% | 4,975 |
| Pretax return on assets | 0.6957% | 4,495 |
| Return on Equity (ROE) | 4.6912% | 4,669 |
| Retained earnings to average equity (ytd only) | -1.3922% | 6,218 |
| Net charge-offs to loans | 0.8199% | 1,927 |
| Credit loss provision to net charge-offs | 66.9100% | 4,576 |
| Earnings coverage of net charge-offs (x) | 1.8370% | 4,287 |
| Efficiency ratio | 79.8398% | 2,273 |
| Assets per employee ($millions) | 2.4246% | 6,964 |
| Cash dividends to net income (ytd only)* | 129.6792% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 3,766 |
| Loan loss allowance to noncurrent loans | 142.1508% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 1.2532% | 4,291 |
| Noncurrent loans to loans | 1.1098% | 4,703 |
| Net loans and leases to total assets | 75.8733% | 996 |
| Net loans and leases to deposits | 85.6278% | 1,734 |
| Net loans and leases to core deposits | 85.6278% | 2,826 |
| Total domestic deposits to total assets | 88.6082% | 1,692 |
| Equity capital to assets | 9.4005% | 5,241 |
| Core capital (leverage) ratio | 9.4618% | 4,210 |
| Tier 1 risk-based capital ratio | 14.1382% | 4,244 |
| Total risk-based capital ratio | 15.3956% | 4,213 |
| Memoranda: | ||
| Average total assets | $91,988,750 | 5,171 |
| Average earning assets | $83,176,500 | 5,182 |
| Average equity | $8,810,500 | 5,358 |
| Average total loans | $66,839,000 | 4,635 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1926% | 2,287 |
| Cost of funding earning assets | 0.7828% | 5,493 |
| Net interest margin | 4.4098% | 1,341 |
| Noninterest income to average assets | 1.0534% | 1,184 |
| Noninterest expense to average assets | 4.3453% | 704 |
| Loan and lease loss provision to assets | 0.3292% | 2,810 |
| Net operating income to assets | 0.2370% | 5,606 |
| Return on assets (ROA) | 0.2370% | 5,723 |
| Pretax return on assets | 0.3599% | 5,517 |
| Return on Equity (ROE) | 2.4589% | 5,618 |
| Retained earnings to average equity (ytd only) | -6.6482% | 6,702 |
| Net charge-offs to loans | 0.5369% | 2,486 |
| Credit loss provision to net charge-offs | 86.2069% | 3,581 |
| Earnings coverage of net charge-offs (x) | 1.8046% | 3,963 |
| Efficiency ratio | 86.3121% | 1,569 |
| Assets per employee ($millions) | 2.3470% | 7,071 |
| Cash dividends to net income (ytd only)* | 370.3704% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8755% | 2,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 6,141 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 70.2756% | 2,165 |
| Net loans and leases to deposits | 77.7619% | 3,165 |
| Net loans and leases to core deposits | 78.4629% | 3,998 |
| Total domestic deposits to total assets | 90.3727% | 777 |
| Equity capital to assets | 9.2055% | 5,277 |
| Core capital (leverage) ratio | 9.2811% | 4,272 |
| Tier 1 risk-based capital ratio | 14.6142% | 3,721 |
| Total risk-based capital ratio | 15.8744% | 3,674 |
| Memoranda: | ||
| Average total assets | $91,132,000 | 5,234 |
| Average earning assets | $82,270,670 | 5,254 |
| Average equity | $8,784,330 | 5,387 |
| Average total loans | $64,820,330 | 4,759 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0394% | 2,911 |
| Cost of funding earning assets | 0.7843% | 5,649 |
| Net interest margin | 4.2551% | 1,722 |
| Noninterest income to average assets | 0.5169% | 3,750 |
| Noninterest expense to average assets | 4.4118% | 642 |
| Loan and lease loss provision to assets | 0.3342% | 2,557 |
| Net operating income to assets | -0.2139% | 6,574 |
| Return on assets (ROA) | -0.2139% | 6,588 |
| Pretax return on assets | -0.3610% | 6,661 |
| Return on Equity (ROE) | -2.1681% | 6,601 |
| Retained earnings to average equity (ytd only) | -5.5559% | 6,558 |
| Net charge-offs to loans | 0.0440% | 4,502 |
| Credit loss provision to net charge-offs | 1,071.4286% | 356 |
| Earnings coverage of net charge-offs (x) | -0.8571% | 4,876 |
| Efficiency ratio | 100.6098% | 714 |
| Assets per employee ($millions) | 2.3379% | 7,152 |
| Cash dividends to net income (ytd only)* | -156.2500% | 7,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0971% | 2,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8730% | 5,162 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 69.3266% | 2,260 |
| Net loans and leases to deposits | 77.0221% | 3,250 |
| Net loans and leases to core deposits | 77.7372% | 4,057 |
| Total domestic deposits to total assets | 90.0088% | 1,144 |
| Equity capital to assets | 9.6458% | 4,254 |
| Core capital (leverage) ratio | 10.0382% | 3,098 |
| Tier 1 risk-based capital ratio | 15.6436% | 3,078 |
| Total risk-based capital ratio | 16.9077% | 3,032 |
| Memoranda: | ||
| Average total assets | $89,758,500 | 5,299 |
| Average earning assets | $81,597,000 | 5,311 |
| Average equity | $8,855,500 | 5,369 |
| Average total loans | $63,613,000 | 4,850 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5733% | 1,994 |
| Cost of funding earning assets | 0.9716% | 5,828 |
| Net interest margin | 4.6017% | 1,010 |
| Noninterest income to average assets | 1.1333% | 1,148 |
| Noninterest expense to average assets | 4.3333% | 781 |
| Loan and lease loss provision to assets | 0.3573% | 3,976 |
| Net operating income to assets | 0.4208% | 4,459 |
| Return on assets (ROA) | 0.4567% | 4,451 |
| Pretax return on assets | 0.6219% | 4,253 |
| Return on Equity (ROE) | 4.6621% | 4,226 |
| Retained earnings to average equity (ytd only) | 4.6621% | 2,632 |
| Net charge-offs to loans | 0.9373% | 2,309 |
| Credit loss provision to net charge-offs | 51.2000% | 6,241 |
| Earnings coverage of net charge-offs (x) | 1.3328% | 4,774 |
| Efficiency ratio | 82.3292% | 2,121 |
| Assets per employee ($millions) | 2.3247% | 7,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0523% | 2,172 |
| Loan loss allowance to noncurrent loans | 1,811.2676% | 226 |
| Noncurrent assets plus other real estate owned to assets | 1.3199% | 4,388 |
| Noncurrent loans to loans | 0.1133% | 6,859 |
| Net loans and leases to total assets | 69.4771% | 2,669 |
| Net loans and leases to deposits | 77.5071% | 3,591 |
| Net loans and leases to core deposits | 78.5155% | 4,396 |
| Total domestic deposits to total assets | 89.6397% | 1,297 |
| Equity capital to assets | 10.0932% | 3,627 |
| Core capital (leverage) ratio | 10.2585% | 2,809 |
| Tier 1 risk-based capital ratio | 16.0549% | 2,724 |
| Total risk-based capital ratio | 17.3235% | 2,677 |
| Memoranda: | ||
| Average total assets | $89,561,600 | 5,303 |
| Average earning assets | $80,383,600 | 5,332 |
| Average equity | $8,772,800 | 5,484 |
| Average total loans | $66,682,800 | 4,801 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6087% | 2,032 |
| Cost of funding earning assets | 1.0091% | 5,900 |
| Net interest margin | 4.5997% | 1,045 |
| Noninterest income to average assets | 1.1394% | 1,080 |
| Noninterest expense to average assets | 4.2669% | 764 |
| Loan and lease loss provision to assets | 0.3338% | 3,936 |
| Net operating income to assets | 0.4264% | 4,638 |
| Return on assets (ROA) | 0.4688% | 4,640 |
| Pretax return on assets | 0.7225% | 4,167 |
| Return on Equity (ROE) | 4.8223% | 4,389 |
| Retained earnings to average equity (ytd only) | 4.8223% | 3,109 |
| Net charge-offs to loans | 0.4058% | 3,668 |
| Credit loss provision to net charge-offs | 109.2233% | 3,890 |
| Earnings coverage of net charge-offs (x) | 3.2427% | 3,524 |
| Efficiency ratio | 81.1512% | 2,177 |
| Assets per employee ($millions) | 2.3717% | 7,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4310% | 1,431 |
| Loan loss allowance to noncurrent loans | 182.1267% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 2.5264% | 2,840 |
| Noncurrent loans to loans | 1.3348% | 4,626 |
| Net loans and leases to total assets | 73.6359% | 1,879 |
| Net loans and leases to deposits | 82.4039% | 3,032 |
| Net loans and leases to core deposits | 83.2146% | 4,064 |
| Total domestic deposits to total assets | 89.3598% | 1,196 |
| Equity capital to assets | 10.1468% | 3,952 |
| Core capital (leverage) ratio | 10.0728% | 3,176 |
| Tier 1 risk-based capital ratio | 14.4960% | 3,512 |
| Total risk-based capital ratio | 15.7605% | 3,476 |
| Memoranda: | ||
| Average total assets | $89,867,750 | 5,361 |
| Average earning assets | $80,467,750 | 5,388 |
| Average equity | $8,737,000 | 5,568 |
| Average total loans | $67,688,500 | 4,840 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6233% | 2,053 |
| Cost of funding earning assets | 1.0837% | 5,767 |
| Net interest margin | 4.5396% | 1,123 |
| Noninterest income to average assets | 1.3381% | 704 |
| Noninterest expense to average assets | 4.2905% | 733 |
| Loan and lease loss provision to assets | 0.3312% | 3,748 |
| Net operating income to assets | 0.5066% | 4,298 |
| Return on assets (ROA) | 0.5697% | 4,146 |
| Pretax return on assets | 0.8744% | 3,597 |
| Return on Equity (ROE) | 5.9438% | 3,827 |
| Retained earnings to average equity (ytd only) | 5.9438% | 2,358 |
| Net charge-offs to loans | 0.5838% | 2,782 |
| Credit loss provision to net charge-offs | 75.3769% | 4,826 |
| Earnings coverage of net charge-offs (x) | 2.5226% | 3,739 |
| Efficiency ratio | 79.4683% | 2,510 |
| Assets per employee ($millions) | 2.5658% | 7,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3100% | 1,567 |
| Loan loss allowance to noncurrent loans | 544.8763% | 601 |
| Noncurrent assets plus other real estate owned to assets | 2.2926% | 3,137 |
| Noncurrent loans to loans | 0.4239% | 6,393 |
| Net loans and leases to total assets | 74.7527% | 1,751 |
| Net loans and leases to deposits | 83.5698% | 2,957 |
| Net loans and leases to core deposits | 84.1271% | 4,124 |
| Total domestic deposits to total assets | 89.4494% | 1,205 |
| Equity capital to assets | 10.1333% | 3,851 |
| Core capital (leverage) ratio | 9.9271% | 3,250 |
| Tier 1 risk-based capital ratio | 14.8514% | 3,238 |
| Total risk-based capital ratio | 16.1182% | 3,199 |
| Memoranda: | ||
| Average total assets | $90,573,000 | 5,368 |
| Average earning assets | $81,020,670 | 5,402 |
| Average equity | $8,681,330 | 5,590 |
| Average total loans | $68,175,670 | 4,857 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5490% | 2,366 |
| Cost of funding earning assets | 1.1853% | 5,482 |
| Net interest margin | 4.3638% | 1,493 |
| Noninterest income to average assets | 1.2532% | 782 |
| Noninterest expense to average assets | 4.3755% | 657 |
| Loan and lease loss provision to assets | 0.3252% | 3,457 |
| Net operating income to assets | 0.3183% | 5,215 |
| Return on assets (ROA) | 0.3513% | 5,195 |
| Pretax return on assets | 0.5117% | 4,922 |
| Return on Equity (ROE) | 3.7666% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.7666% | 3,887 |
| Net charge-offs to loans | 0.9929% | 1,653 |
| Credit loss provision to net charge-offs | 43.8596% | 4,578 |
| Earnings coverage of net charge-offs (x) | 1.0643% | 4,128 |
| Efficiency ratio | 84.7187% | 1,947 |
| Assets per employee ($millions) | 2.3577% | 7,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 1,759 |
| Loan loss allowance to noncurrent loans | 496.6777% | 644 |
| Noncurrent assets plus other real estate owned to assets | 2.5749% | 2,834 |
| Noncurrent loans to loans | 0.4426% | 6,414 |
| Net loans and leases to total assets | 74.2360% | 1,922 |
| Net loans and leases to deposits | 83.2751% | 3,068 |
| Net loans and leases to core deposits | 83.8156% | 4,233 |
| Total domestic deposits to total assets | 89.1455% | 1,443 |
| Equity capital to assets | 9.6636% | 4,285 |
| Core capital (leverage) ratio | 9.3523% | 3,970 |
| Tier 1 risk-based capital ratio | 13.3287% | 4,103 |
| Total risk-based capital ratio | 14.5917% | 4,050 |
| Memoranda: | ||
| Average total assets | $92,241,000 | 5,378 |
| Average earning assets | $82,681,000 | 5,410 |
| Average equity | $8,602,000 | 5,660 |
| Average total loans | $68,886,500 | 4,903 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8763% | 2,343 |
| Cost of funding earning assets | 1.7073% | 4,463 |
| Net interest margin | 4.1690% | 2,185 |
| Noninterest income to average assets | 1.3790% | 774 |
| Noninterest expense to average assets | 4.3520% | 931 |
| Loan and lease loss provision to assets | 1.2572% | 1,838 |
| Net operating income to assets | -0.2895% | 5,957 |
| Return on assets (ROA) | -0.2740% | 5,933 |
| Pretax return on assets | -0.4597% | 5,975 |
| Return on Equity (ROE) | -3.3611% | 6,037 |
| Retained earnings to average equity (ytd only) | -3.3611% | 5,762 |
| Net charge-offs to loans | 1.6877% | 1,492 |
| Credit loss provision to net charge-offs | 100.5682% | 5,485 |
| Earnings coverage of net charge-offs (x) | 0.6185% | 5,482 |
| Efficiency ratio | 84.9139% | 2,246 |
| Assets per employee ($millions) | 2.4330% | 7,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2804% | 1,514 |
| Loan loss allowance to noncurrent loans | 144.8998% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 2.9983% | 2,334 |
| Noncurrent loans to loans | 1.5738% | 4,288 |
| Net loans and leases to total assets | 71.8489% | 2,789 |
| Net loans and leases to deposits | 79.2938% | 4,117 |
| Net loans and leases to core deposits | 84.7465% | 5,649 |
| Total domestic deposits to total assets | 90.6110% | 693 |
| Equity capital to assets | 9.0064% | 5,139 |
| Core capital (leverage) ratio | 8.8665% | 4,648 |
| Tier 1 risk-based capital ratio | 12.8014% | 4,285 |
| Total risk-based capital ratio | 14.0653% | 4,223 |
| Memoranda: | ||
| Average total assets | $98,553,200 | 5,123 |
| Average earning assets | $88,558,600 | 5,167 |
| Average equity | $8,033,200 | 5,910 |
| Average total loans | $72,999,800 | 4,763 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9360% | 2,291 |
| Cost of funding earning assets | 1.8242% | 4,260 |
| Net interest margin | 4.1118% | 2,349 |
| Noninterest income to average assets | 1.4007% | 773 |
| Noninterest expense to average assets | 4.3885% | 826 |
| Loan and lease loss provision to assets | 0.8900% | 2,161 |
| Net operating income to assets | 0.0448% | 5,616 |
| Return on assets (ROA) | 0.0362% | 5,680 |
| Pretax return on assets | -0.1930% | 5,969 |
| Return on Equity (ROE) | 0.4554% | 5,649 |
| Retained earnings to average equity (ytd only) | 0.4554% | 5,013 |
| Net charge-offs to loans | 1.6366% | 1,240 |
| Credit loss provision to net charge-offs | 73.2892% | 5,917 |
| Earnings coverage of net charge-offs (x) | 0.5850% | 5,446 |
| Efficiency ratio | 86.0673% | 2,061 |
| Assets per employee ($millions) | 2.4892% | 7,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8750% | 2,089 |
| Loan loss allowance to noncurrent loans | 203.3333% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 1.1846% | 4,708 |
| Noncurrent loans to loans | 0.9221% | 5,443 |
| Net loans and leases to total assets | 72.3431% | 2,944 |
| Net loans and leases to deposits | 80.2693% | 4,340 |
| Net loans and leases to core deposits | 86.6235% | 5,807 |
| Total domestic deposits to total assets | 90.1256% | 722 |
| Equity capital to assets | 9.1431% | 5,272 |
| Core capital (leverage) ratio | 9.0618% | 4,554 |
| Tier 1 risk-based capital ratio | 13.0021% | 4,192 |
| Total risk-based capital ratio | 14.2646% | 4,114 |
| Memoranda: | ||
| Average total assets | $99,469,500 | 5,133 |
| Average earning assets | $89,462,750 | 5,180 |
| Average equity | $7,905,000 | 6,015 |
| Average total loans | $73,808,000 | 4,784 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9655% | 2,324 |
| Cost of funding earning assets | 1.9855% | 3,847 |
| Net interest margin | 3.9799% | 2,787 |
| Noninterest income to average assets | 1.4322% | 736 |
| Noninterest expense to average assets | 4.4182% | 845 |
| Loan and lease loss provision to assets | 0.5366% | 2,887 |
| Net operating income to assets | 0.1656% | 5,366 |
| Return on assets (ROA) | 0.1456% | 5,526 |
| Pretax return on assets | 0.0359% | 5,805 |
| Return on Equity (ROE) | 1.9258% | 5,331 |
| Retained earnings to average equity (ytd only) | 1.9258% | 4,270 |
| Net charge-offs to loans | 2.2534% | 797 |
| Credit loss provision to net charge-offs | 32.0238% | 6,009 |
| Earnings coverage of net charge-offs (x) | 0.3536% | 5,333 |
| Efficiency ratio | 88.1768% | 1,994 |
| Assets per employee ($millions) | 2.3567% | 7,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 3,769 |
| Loan loss allowance to noncurrent loans | 127.5819% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 1.1134% | 4,728 |
| Noncurrent loans to loans | 1.0909% | 5,017 |
| Net loans and leases to total assets | 72.5106% | 3,085 |
| Net loans and leases to deposits | 80.0132% | 4,546 |
| Net loans and leases to core deposits | 86.0151% | 5,902 |
| Total domestic deposits to total assets | 90.6234% | 585 |
| Equity capital to assets | 8.8381% | 5,541 |
| Core capital (leverage) ratio | 8.8950% | 4,792 |
| Tier 1 risk-based capital ratio | 12.4193% | 4,584 |
| Total risk-based capital ratio | 13.6709% | 4,509 |
| Memoranda: | ||
| Average total assets | $100,266,330 | 5,156 |
| Average earning assets | $90,152,330 | 5,191 |
| Average equity | $7,581,330 | 6,154 |
| Average total loans | $74,553,330 | 4,788 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9876% | 2,410 |
| Cost of funding earning assets | 2.0981% | 3,659 |
| Net interest margin | 3.8895% | 3,077 |
| Noninterest income to average assets | 1.4151% | 699 |
| Noninterest expense to average assets | 4.3167% | 842 |
| Loan and lease loss provision to assets | 0.7690% | 1,674 |
| Net operating income to assets | 0.0040% | 6,241 |
| Return on assets (ROA) | 0.0040% | 6,393 |
| Pretax return on assets | -0.2022% | 6,577 |
| Return on Equity (ROE) | 0.0572% | 6,398 |
| Retained earnings to average equity (ytd only) | 0.0572% | 5,630 |
| Net charge-offs to loans | 4.2207% | 283 |
| Credit loss provision to net charge-offs | 24.3719% | 5,019 |
| Earnings coverage of net charge-offs (x) | 0.1796% | 4,840 |
| Efficiency ratio | 88.3929% | 1,862 |
| Assets per employee ($millions) | 2.2984% | 7,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 3,899 |
| Loan loss allowance to noncurrent loans | 74.8476% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 3.3562% | 1,627 |
| Noncurrent loans to loans | 1.7812% | 3,592 |
| Net loans and leases to total assets | 73.5339% | 2,881 |
| Net loans and leases to deposits | 79.5567% | 4,684 |
| Net loans and leases to core deposits | 88.0386% | 5,733 |
| Total domestic deposits to total assets | 92.4296% | 129 |
| Equity capital to assets | 6.9724% | 7,695 |
| Core capital (leverage) ratio | 7.3120% | 7,369 |
| Tier 1 risk-based capital ratio | 9.9038% | 7,035 |
| Total risk-based capital ratio | 11.1549% | 6,924 |
| Memoranda: | ||
| Average total assets | $100,909,500 | 5,156 |
| Average earning assets | $89,986,500 | 5,224 |
| Average equity | $6,998,000 | 6,413 |
| Average total loans | $75,438,000 | 4,787 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3664% | 3,600 |
| Cost of funding earning assets | 2.4037% | 4,710 |
| Net interest margin | 3.9627% | 3,297 |
| Noninterest income to average assets | 1.1319% | 1,218 |
| Noninterest expense to average assets | 4.4112% | 943 |
| Loan and lease loss provision to assets | 0.9706% | 1,518 |
| Net operating income to assets | -0.3148% | 6,749 |
| Return on assets (ROA) | -0.3148% | 6,615 |
| Pretax return on assets | -0.6714% | 6,792 |
| Return on Equity (ROE) | -4.3106% | 6,786 |
| Retained earnings to average equity (ytd only) | -4.3106% | 6,379 |
| Net charge-offs to loans | 1.1708% | 1,036 |
| Credit loss provision to net charge-offs | 113.1370% | 4,769 |
| Earnings coverage of net charge-offs (x) | 0.3488% | 6,022 |
| Efficiency ratio | 93.6469% | 1,295 |
| Assets per employee ($millions) | 2.3950% | 7,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0513% | 1,144 |
| Loan loss allowance to noncurrent loans | 57.7049% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 4.1229% | 979 |
| Noncurrent loans to loans | 3.5548% | 1,425 |
| Net loans and leases to total assets | 73.4413% | 3,252 |
| Net loans and leases to deposits | 86.8809% | 3,979 |
| Net loans and leases to core deposits | 95.4553% | 5,302 |
| Total domestic deposits to total assets | 84.5311% | 3,056 |
| Equity capital to assets | 6.8989% | 7,777 |
| Core capital (leverage) ratio | 7.1453% | 7,576 |
| Tier 1 risk-based capital ratio | 9.5413% | 7,260 |
| Total risk-based capital ratio | 10.8020% | 7,165 |
| Memoranda: | ||
| Average total assets | $102,921,000 | 4,963 |
| Average earning assets | $92,941,400 | 5,004 |
| Average equity | $7,516,400 | 6,272 |
| Average total loans | $75,416,400 | 4,672 |