Home > Bloomburg State Bank > Performance and Condition Ratios
Bloomburg State Bank, Performance and Condition Ratios
| 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 | 4.3957% | 1,841 |
| Cost of funding earning assets | 0.3381% | 3,717 |
| Net interest margin | 4.0576% | 1,487 |
| Noninterest income to average assets | 0.4395% | 3,598 |
| Noninterest expense to average assets | 2.8982% | 2,678 |
| Loan and lease loss provision to assets | 0.0356% | 3,442 |
| Net operating income to assets | 1.0690% | 2,090 |
| Return on assets (ROA) | 1.0690% | 2,210 |
| Pretax return on assets | 1.3541% | 2,193 |
| Return on Equity (ROE) | 10.9935% | 1,647 |
| Retained earnings to average equity (ytd only) | 10.9935% | 441 |
| Net charge-offs to loans | 0.0781% | 2,079 |
| Credit loss provision to net charge-offs | 60.0000% | 2,574 |
| Earnings coverage of net charge-offs (x) | 23.4000% | 1,591 |
| Efficiency ratio | 67.5900% | 3,429 |
| Assets per employee ($millions) | 2.8218% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7394% | 5,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 77.7036% | 1,240 |
| Net loans and leases to deposits | 86.4900% | 2,189 |
| Net loans and leases to core deposits | 89.4297% | 2,590 |
| Total domestic deposits to total assets | 89.8411% | 547 |
| Equity capital to assets | 9.9463% | 4,297 |
| Core capital (leverage) ratio | 9.7861% | 3,827 |
| Tier 1 risk-based capital ratio | 12.9479% | 4,233 |
| Total risk-based capital ratio | 13.7014% | 4,467 |
| Memoranda: | ||
| Average total assets | $16,838,000 | 6,008 |
| Average earning assets | $15,970,000 | 5,991 |
| Average equity | $1,637,330 | 6,021 |
| Average total loans | $12,812,000 | 5,846 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 2,099 |
| Cost of funding earning assets | 0.3528% | 3,573 |
| Net interest margin | 3.9565% | 1,760 |
| Noninterest income to average assets | 0.4526% | 3,462 |
| Noninterest expense to average assets | 2.8586% | 2,852 |
| Loan and lease loss provision to assets | 0.0715% | 2,526 |
| Net operating income to assets | 1.0005% | 2,275 |
| Return on assets (ROA) | 1.0005% | 2,395 |
| Pretax return on assets | 1.2625% | 2,462 |
| Return on Equity (ROE) | 10.4089% | 1,814 |
| Retained earnings to average equity (ytd only) | 10.4089% | 762 |
| Net charge-offs to loans | 0.0953% | 1,561 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,534 |
| Efficiency ratio | 68.1818% | 3,436 |
| Assets per employee ($millions) | 2.3839% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7945% | 5,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 74.8247% | 1,593 |
| Net loans and leases to deposits | 83.1735% | 2,406 |
| Net loans and leases to core deposits | 86.0391% | 2,745 |
| Total domestic deposits to total assets | 89.9622% | 611 |
| Equity capital to assets | 9.8040% | 4,332 |
| Core capital (leverage) ratio | 9.9957% | 3,540 |
| Tier 1 risk-based capital ratio | 13.4683% | 3,995 |
| Total risk-based capital ratio | 14.2916% | 4,161 |
| Memoranda: | ||
| Average total assets | $16,791,500 | 6,070 |
| Average earning assets | $15,872,500 | 6,053 |
| Average equity | $1,614,000 | 6,080 |
| Average total loans | $12,591,000 | 5,908 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0573% | 3,087 |
| Cost of funding earning assets | 0.2945% | 4,313 |
| Net interest margin | 3.7628% | 2,512 |
| Noninterest income to average assets | 0.4032% | 4,010 |
| Noninterest expense to average assets | 3.3246% | 1,660 |
| Loan and lease loss provision to assets | 0.0496% | 3,326 |
| Net operating income to assets | 0.4652% | 4,829 |
| Return on assets (ROA) | 0.4652% | 4,907 |
| Pretax return on assets | 0.5955% | 4,851 |
| Return on Equity (ROE) | 4.8250% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.8250% | 2,546 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7500% | 1,200 |
| Assets per employee ($millions) | 2.8160% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 5,425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 73.9583% | 1,737 |
| Net loans and leases to deposits | 81.9464% | 2,592 |
| Net loans and leases to core deposits | 85.0589% | 2,872 |
| Total domestic deposits to total assets | 90.2521% | 524 |
| Equity capital to assets | 9.4223% | 4,646 |
| Core capital (leverage) ratio | 9.4875% | 4,188 |
| Tier 1 risk-based capital ratio | 13.0055% | 4,313 |
| Total risk-based capital ratio | 13.8224% | 4,478 |
| Memoranda: | ||
| Average total assets | $16,122,200 | 6,141 |
| Average earning assets | $15,281,000 | 6,122 |
| Average equity | $1,554,400 | 6,144 |
| Average total loans | $11,069,000 | 5,994 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 3,414 |
| Cost of funding earning assets | 0.2912% | 4,441 |
| Net interest margin | 3.6881% | 2,815 |
| Noninterest income to average assets | 0.3934% | 4,127 |
| Noninterest expense to average assets | 3.1807% | 2,019 |
| Loan and lease loss provision to assets | 0.0335% | 3,558 |
| Net operating income to assets | 0.4938% | 4,812 |
| Return on assets (ROA) | 0.4938% | 4,902 |
| Pretax return on assets | 0.6780% | 4,756 |
| Return on Equity (ROE) | 5.0913% | 4,585 |
| Retained earnings to average equity (ytd only) | 5.0913% | 2,849 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7204% | 1,434 |
| Assets per employee ($millions) | 2.8385% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 5,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 70.1779% | 2,360 |
| Net loans and leases to deposits | 77.6457% | 3,132 |
| Net loans and leases to core deposits | 80.5662% | 3,385 |
| Total domestic deposits to total assets | 90.3822% | 434 |
| Equity capital to assets | 9.2655% | 5,041 |
| Core capital (leverage) ratio | 9.3163% | 4,565 |
| Tier 1 risk-based capital ratio | 13.3820% | 4,205 |
| Total risk-based capital ratio | 14.1961% | 4,383 |
| Memoranda: | ||
| Average total assets | $15,928,750 | 6,227 |
| Average earning assets | $15,111,250 | 6,207 |
| Average equity | $1,545,000 | 6,230 |
| Average total loans | $10,687,250 | 6,081 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8458% | 3,895 |
| Cost of funding earning assets | 0.2708% | 4,705 |
| Net interest margin | 3.5750% | 3,189 |
| Noninterest income to average assets | 0.4113% | 3,998 |
| Noninterest expense to average assets | 3.1874% | 2,015 |
| Loan and lease loss provision to assets | 0.0257% | 3,619 |
| Net operating income to assets | 0.4370% | 5,016 |
| Return on assets (ROA) | 0.4370% | 5,113 |
| Pretax return on assets | 0.5912% | 4,999 |
| Return on Equity (ROE) | 4.4329% | 4,844 |
| Retained earnings to average equity (ytd only) | 4.4329% | 3,192 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7838% | 1,286 |
| Assets per employee ($millions) | 2.6843% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 5,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 70.8121% | 2,191 |
| Net loans and leases to deposits | 78.6335% | 2,953 |
| Net loans and leases to core deposits | 81.7973% | 3,200 |
| Total domestic deposits to total assets | 90.0534% | 643 |
| Equity capital to assets | 9.6300% | 4,492 |
| Core capital (leverage) ratio | 9.8214% | 3,837 |
| Tier 1 risk-based capital ratio | 14.2765% | 3,772 |
| Total risk-based capital ratio | 15.1418% | 3,920 |
| Memoranda: | ||
| Average total assets | $15,561,330 | 6,307 |
| Average earning assets | $14,769,330 | 6,282 |
| Average equity | $1,534,000 | 6,306 |
| Average total loans | $10,233,670 | 6,160 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 4,381 |
| Cost of funding earning assets | 0.2481% | 5,041 |
| Net interest margin | 3.4464% | 3,638 |
| Noninterest income to average assets | 0.4186% | 3,854 |
| Noninterest expense to average assets | 3.2180% | 1,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4186% | 5,003 |
| Return on assets (ROA) | 0.4186% | 5,122 |
| Pretax return on assets | 0.4709% | 5,256 |
| Return on Equity (ROE) | 4.1953% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.1953% | 3,489 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2340% | 1,079 |
| Assets per employee ($millions) | 2.5562% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 5,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 63.3696% | 3,182 |
| Net loans and leases to deposits | 70.5912% | 3,679 |
| Net loans and leases to core deposits | 73.5842% | 3,818 |
| Total domestic deposits to total assets | 89.7698% | 860 |
| Equity capital to assets | 9.9954% | 4,152 |
| Core capital (leverage) ratio | 9.9694% | 3,642 |
| Tier 1 risk-based capital ratio | 15.3469% | 3,230 |
| Total risk-based capital ratio | 16.2879% | 3,341 |
| Memoranda: | ||
| Average total assets | $15,289,000 | 6,375 |
| Average earning assets | $14,508,000 | 6,350 |
| Average equity | $1,525,500 | 6,375 |
| Average total loans | $9,601,000 | 6,240 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2754% | 5,738 |
| Cost of funding earning assets | 0.2594% | 5,226 |
| Net interest margin | 3.0160% | 5,417 |
| Noninterest income to average assets | 0.4061% | 4,138 |
| Noninterest expense to average assets | 3.2345% | 2,115 |
| Loan and lease loss provision to assets | 0.0350% | 3,888 |
| Net operating income to assets | -0.0140% | 6,105 |
| Return on assets (ROA) | -0.0140% | 6,118 |
| Pretax return on assets | -0.0140% | 6,104 |
| Return on Equity (ROE) | -0.1339% | 6,119 |
| Retained earnings to average equity (ytd only) | -0.1339% | 5,794 |
| Net charge-offs to loans | -0.0966% | 6,103 |
| Credit loss provision to net charge-offs | -71.4286% | 5,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3548% | 383 |
| Assets per employee ($millions) | 3.0482% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 5,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 60.9868% | 3,638 |
| Net loans and leases to deposits | 67.9112% | 4,135 |
| Net loans and leases to core deposits | 70.8083% | 4,239 |
| Total domestic deposits to total assets | 89.8038% | 828 |
| Equity capital to assets | 9.9600% | 4,166 |
| Core capital (leverage) ratio | 9.7252% | 3,936 |
| Tier 1 risk-based capital ratio | 16.4179% | 2,752 |
| Total risk-based capital ratio | 17.4346% | 2,809 |
| Memoranda: | ||
| Average total assets | $14,283,600 | 6,470 |
| Average earning assets | $13,494,600 | 6,453 |
| Average equity | $1,494,000 | 6,462 |
| Average total loans | $7,248,800 | 6,390 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1263% | 5,992 |
| Cost of funding earning assets | 0.2622% | 5,282 |
| Net interest margin | 2.8641% | 5,773 |
| Noninterest income to average assets | 0.3893% | 4,328 |
| Noninterest expense to average assets | 3.0949% | 2,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0190% | 6,154 |
| Return on assets (ROA) | -0.0190% | 6,169 |
| Pretax return on assets | -0.0095% | 6,154 |
| Return on Equity (ROE) | -0.1794% | 6,171 |
| Retained earnings to average equity (ytd only) | -0.1794% | 5,832 |
| Net charge-offs to loans | -0.1192% | 6,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3077% | 358 |
| Assets per employee ($millions) | 3.0852% | 5,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 4,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 51.1474% | 4,884 |
| Net loans and leases to deposits | 56.8936% | 5,183 |
| Net loans and leases to core deposits | 60.5898% | 5,152 |
| Total domestic deposits to total assets | 89.9002% | 786 |
| Equity capital to assets | 9.7757% | 4,451 |
| Core capital (leverage) ratio | 10.1222% | 3,504 |
| Tier 1 risk-based capital ratio | 18.3835% | 2,092 |
| Total risk-based capital ratio | 19.4563% | 2,107 |
| Memoranda: | ||
| Average total assets | $14,044,250 | 6,552 |
| Average earning assets | $13,220,750 | 6,534 |
| Average equity | $1,488,000 | 6,539 |
| Average total loans | $6,713,750 | 6,473 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0213% | 6,152 |
| Cost of funding earning assets | 0.2661% | 5,325 |
| Net interest margin | 2.7552% | 5,981 |
| Noninterest income to average assets | 0.3828% | 4,383 |
| Noninterest expense to average assets | 3.0625% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1031% | 6,259 |
| Return on assets (ROA) | -0.1031% | 6,272 |
| Pretax return on assets | -0.0883% | 6,248 |
| Return on Equity (ROE) | -0.9451% | 6,272 |
| Retained earnings to average equity (ytd only) | -0.9451% | 5,847 |
| Net charge-offs to loans | -0.1907% | 6,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9703% | 337 |
| Assets per employee ($millions) | 2.9406% | 5,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 3,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 45.7254% | 5,392 |
| Net loans and leases to deposits | 51.1410% | 5,551 |
| Net loans and leases to core deposits | 55.7925% | 5,429 |
| Total domestic deposits to total assets | 89.4103% | 1,148 |
| Equity capital to assets | 10.2292% | 3,789 |
| Core capital (leverage) ratio | 11.1805% | 2,265 |
| Tier 1 risk-based capital ratio | 21.2190% | 1,403 |
| Total risk-based capital ratio | 22.4605% | 1,380 |
| Memoranda: | ||
| Average total assets | $13,583,670 | 6,619 |
| Average earning assets | $12,776,000 | 6,601 |
| Average equity | $1,481,330 | 6,602 |
| Average total loans | $6,292,330 | 6,551 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1324% | 6,082 |
| Cost of funding earning assets | 0.2610% | 5,475 |
| Net interest margin | 2.8714% | 5,807 |
| Noninterest income to average assets | 0.3686% | 4,438 |
| Noninterest expense to average assets | 2.9484% | 3,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0921% | 6,048 |
| Return on assets (ROA) | 0.0921% | 6,077 |
| Pretax return on assets | 0.1229% | 6,038 |
| Return on Equity (ROE) | 0.8163% | 6,076 |
| Retained earnings to average equity (ytd only) | 0.8163% | 5,268 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0000% | 642 |
| Assets per employee ($millions) | 3.2888% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 3,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 44.3634% | 5,478 |
| Net loans and leases to deposits | 50.3060% | 5,577 |
| Net loans and leases to core deposits | 54.2581% | 5,480 |
| Total domestic deposits to total assets | 88.1870% | 2,120 |
| Equity capital to assets | 11.1821% | 2,544 |
| Core capital (leverage) ratio | 11.1178% | 2,281 |
| Tier 1 risk-based capital ratio | 22.8345% | 1,159 |
| Total risk-based capital ratio | 24.0919% | 1,147 |
| Memoranda: | ||
| Average total assets | $13,024,000 | 6,696 |
| Average earning assets | $12,259,000 | 6,679 |
| Average equity | $1,470,000 | 6,669 |
| Average total loans | $6,033,000 | 6,627 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2763% | 6,035 |
| Cost of funding earning assets | 0.2916% | 5,662 |
| Net interest margin | 2.9848% | 5,612 |
| Noninterest income to average assets | 0.3995% | 4,446 |
| Noninterest expense to average assets | 3.0362% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0799% | 6,080 |
| Return on assets (ROA) | 0.0799% | 6,132 |
| Pretax return on assets | 0.1889% | 5,965 |
| Return on Equity (ROE) | 0.7489% | 6,123 |
| Retained earnings to average equity (ytd only) | 0.7489% | 5,501 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1441% | 737 |
| Assets per employee ($millions) | 3.2233% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 3,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 47.0488% | 5,387 |
| Net loans and leases to deposits | 53.4638% | 5,513 |
| Net loans and leases to core deposits | 59.1863% | 5,283 |
| Total domestic deposits to total assets | 88.0012% | 2,178 |
| Equity capital to assets | 11.3938% | 2,240 |
| Core capital (leverage) ratio | 11.1204% | 2,269 |
| Tier 1 risk-based capital ratio | 23.0612% | 1,089 |
| Total risk-based capital ratio | 24.3171% | 1,068 |
| Memoranda: | ||
| Average total assets | $13,767,200 | 6,772 |
| Average earning assets | $13,032,800 | 6,758 |
| Average equity | $1,468,800 | 6,761 |
| Average total loans | $6,604,800 | 6,698 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2813% | 6,089 |
| Cost of funding earning assets | 0.2818% | 5,877 |
| Net interest margin | 2.9994% | 5,598 |
| Noninterest income to average assets | 0.4004% | 4,540 |
| Noninterest expense to average assets | 3.0411% | 2,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0572% | 6,208 |
| Return on assets (ROA) | 0.0572% | 6,266 |
| Pretax return on assets | 0.2002% | 6,041 |
| Return on Equity (ROE) | 0.5447% | 6,263 |
| Retained earnings to average equity (ytd only) | 0.5447% | 5,752 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8235% | 748 |
| Assets per employee ($millions) | 3.3593% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 4,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 46.1115% | 5,542 |
| Net loans and leases to deposits | 52.1329% | 5,700 |
| Net loans and leases to core deposits | 57.4289% | 5,494 |
| Total domestic deposits to total assets | 88.4498% | 1,865 |
| Equity capital to assets | 10.8878% | 2,874 |
| Core capital (leverage) ratio | 10.9901% | 2,492 |
| Tier 1 risk-based capital ratio | 22.2781% | 1,267 |
| Total risk-based capital ratio | 23.5267% | 1,241 |
| Memoranda: | ||
| Average total assets | $13,985,750 | 6,848 |
| Average earning assets | $13,246,750 | 6,832 |
| Average equity | $1,468,750 | 6,839 |
| Average total loans | $6,719,000 | 6,772 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2719% | 6,131 |
| Cost of funding earning assets | 0.2826% | 5,965 |
| Net interest margin | 2.9893% | 5,586 |
| Noninterest income to average assets | 0.3811% | 4,663 |
| Noninterest expense to average assets | 2.6961% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3247% | 5,502 |
| Return on assets (ROA) | 0.3247% | 5,660 |
| Pretax return on assets | 0.5223% | 5,297 |
| Return on Equity (ROE) | 3.1278% | 5,576 |
| Retained earnings to average equity (ytd only) | 3.1278% | 4,330 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7719% | 1,659 |
| Assets per employee ($millions) | 2.6954% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 4,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 47.3251% | 5,393 |
| Net loans and leases to deposits | 53.5382% | 5,553 |
| Net loans and leases to core deposits | 57.3613% | 5,481 |
| Total domestic deposits to total assets | 88.3950% | 1,988 |
| Equity capital to assets | 10.9965% | 2,749 |
| Core capital (leverage) ratio | 10.9591% | 2,399 |
| Tier 1 risk-based capital ratio | 22.3226% | 1,234 |
| Total risk-based capital ratio | 23.5578% | 1,214 |
| Memoranda: | ||
| Average total assets | $14,168,670 | 6,896 |
| Average earning assets | $13,448,000 | 6,877 |
| Average equity | $1,470,670 | 6,887 |
| Average total loans | $6,866,000 | 6,812 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2490% | 6,238 |
| Cost of funding earning assets | 0.2901% | 6,040 |
| Net interest margin | 2.9589% | 5,681 |
| Noninterest income to average assets | 0.3583% | 4,801 |
| Noninterest expense to average assets | 2.5630% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3858% | 5,182 |
| Return on assets (ROA) | 0.3858% | 5,326 |
| Pretax return on assets | 0.6063% | 4,922 |
| Return on Equity (ROE) | 3.8225% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.8225% | 3,936 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8696% | 2,199 |
| Assets per employee ($millions) | 2.9208% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 5,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 46.3024% | 5,406 |
| Net loans and leases to deposits | 51.7249% | 5,649 |
| Net loans and leases to core deposits | 57.4024% | 5,395 |
| Total domestic deposits to total assets | 89.5166% | 1,350 |
| Equity capital to assets | 10.0726% | 4,051 |
| Core capital (leverage) ratio | 10.1532% | 3,213 |
| Tier 1 risk-based capital ratio | 20.1231% | 1,738 |
| Total risk-based capital ratio | 21.2449% | 1,745 |
| Memoranda: | ||
| Average total assets | $14,514,500 | 6,969 |
| Average earning assets | $13,789,000 | 6,950 |
| Average equity | $1,465,000 | 6,957 |
| Average total loans | $7,069,000 | 6,874 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 4,196 |
| Cost of funding earning assets | 0.3515% | 6,203 |
| Net interest margin | 3.9468% | 2,617 |
| Noninterest income to average assets | 0.5280% | 3,725 |
| Noninterest expense to average assets | 3.0290% | 3,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7503% | 3,512 |
| Return on assets (ROA) | 0.7503% | 3,753 |
| Pretax return on assets | 1.2435% | 2,624 |
| Return on Equity (ROE) | 7.7077% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.7077% | 1,232 |
| Net charge-offs to loans | 0.0555% | 5,156 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 35.8000% | 877 |
| Efficiency ratio | 70.8943% | 3,641 |
| Assets per employee ($millions) | 2.4042% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 5,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 49.9965% | 5,165 |
| Net loans and leases to deposits | 55.9721% | 5,448 |
| Net loans and leases to core deposits | 62.2100% | 5,133 |
| Total domestic deposits to total assets | 89.3241% | 1,353 |
| Equity capital to assets | 10.1144% | 4,019 |
| Core capital (leverage) ratio | 10.1130% | 3,257 |
| Tier 1 risk-based capital ratio | 19.0969% | 1,932 |
| Total risk-based capital ratio | 20.1702% | 1,946 |
| Memoranda: | ||
| Average total assets | $14,394,400 | 7,035 |
| Average earning assets | $13,656,800 | 7,015 |
| Average equity | $1,401,200 | 7,033 |
| Average total loans | $9,012,600 | 6,882 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 4,413 |
| Cost of funding earning assets | 0.3519% | 6,364 |
| Net interest margin | 3.9589% | 2,674 |
| Noninterest income to average assets | 0.5283% | 3,755 |
| Noninterest expense to average assets | 3.0027% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7599% | 3,651 |
| Return on assets (ROA) | 0.7599% | 3,901 |
| Pretax return on assets | 1.2789% | 2,674 |
| Return on Equity (ROE) | 7.8839% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.8839% | 1,670 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1299% | 3,667 |
| Assets per employee ($millions) | 2.4312% | 6,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8390% | 6,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 70.4874% | 1,813 |
| Net loans and leases to deposits | 79.2447% | 2,505 |
| Net loans and leases to core deposits | 88.0007% | 2,215 |
| Total domestic deposits to total assets | 88.9491% | 1,459 |
| Equity capital to assets | 9.8170% | 4,757 |
| Core capital (leverage) ratio | 10.0112% | 3,521 |
| Tier 1 risk-based capital ratio | 14.8072% | 3,977 |
| Total risk-based capital ratio | 15.7068% | 4,182 |
| Memoranda: | ||
| Average total assets | $14,386,750 | 7,130 |
| Average earning assets | $13,640,000 | 7,110 |
| Average equity | $1,386,750 | 7,130 |
| Average total loans | $9,442,250 | 6,963 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1617% | 5,080 |
| Cost of funding earning assets | 0.3797% | 6,378 |
| Net interest margin | 3.7820% | 3,445 |
| Noninterest income to average assets | 0.4330% | 4,415 |
| Noninterest expense to average assets | 2.9888% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6145% | 4,319 |
| Return on assets (ROA) | 0.6145% | 4,562 |
| Pretax return on assets | 1.0615% | 3,458 |
| Return on Equity (ROE) | 6.4155% | 4,088 |
| Retained earnings to average equity (ytd only) | 6.4155% | 2,433 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7931% | 3,113 |
| Assets per employee ($millions) | 2.3882% | 6,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 6,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 65.8315% | 2,706 |
| Net loans and leases to deposits | 73.2319% | 3,419 |
| Net loans and leases to core deposits | 83.1834% | 2,803 |
| Total domestic deposits to total assets | 89.8946% | 983 |
| Equity capital to assets | 9.7285% | 4,720 |
| Core capital (leverage) ratio | 9.7818% | 3,739 |
| Tier 1 risk-based capital ratio | 15.8050% | 3,272 |
| Total risk-based capital ratio | 16.7914% | 3,375 |
| Memoranda: | ||
| Average total assets | $14,320,000 | 7,192 |
| Average earning assets | $13,696,330 | 7,168 |
| Average equity | $1,371,670 | 7,188 |
| Average total loans | $9,133,330 | 7,035 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 4,986 |
| Cost of funding earning assets | 0.4087% | 6,365 |
| Net interest margin | 3.8240% | 3,272 |
| Noninterest income to average assets | 0.4471% | 4,312 |
| Noninterest expense to average assets | 3.3530% | 2,135 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5868% | 4,410 |
| Return on assets (ROA) | 0.5868% | 4,627 |
| Pretax return on assets | 0.7544% | 4,590 |
| Return on Equity (ROE) | 6.1742% | 4,199 |
| Retained earnings to average equity (ytd only) | 6.1742% | 2,853 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6327% | 1,983 |
| Assets per employee ($millions) | 2.8624% | 6,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 6,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 61.0117% | 3,451 |
| Net loans and leases to deposits | 67.7424% | 4,108 |
| Net loans and leases to core deposits | 76.9339% | 3,480 |
| Total domestic deposits to total assets | 90.0643% | 1,052 |
| Equity capital to assets | 9.5794% | 4,681 |
| Core capital (leverage) ratio | 9.6522% | 3,844 |
| Tier 1 risk-based capital ratio | 16.4566% | 2,927 |
| Total risk-based capital ratio | 17.5009% | 3,004 |
| Memoranda: | ||
| Average total assets | $14,315,500 | 7,256 |
| Average earning assets | $13,703,000 | 7,229 |
| Average equity | $1,360,500 | 7,244 |
| Average total loans | $8,940,000 | 7,102 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 5,569 |
| Cost of funding earning assets | 0.6049% | 6,068 |
| Net interest margin | 3.7559% | 4,050 |
| Noninterest income to average assets | 0.5321% | 3,637 |
| Noninterest expense to average assets | 3.3257% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5720% | 4,137 |
| Return on assets (ROA) | 0.5720% | 4,323 |
| Pretax return on assets | 0.7583% | 4,124 |
| Return on Equity (ROE) | 6.5142% | 3,634 |
| Retained earnings to average equity (ytd only) | 4.9992% | 2,639 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4332% | 2,095 |
| Assets per employee ($millions) | 2.8638% | 6,347 |
| Cash dividends to net income (ytd only)* | 23.2558% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 6,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 62.6720% | 3,475 |
| Net loans and leases to deposits | 69.5012% | 4,191 |
| Net loans and leases to core deposits | 77.2023% | 3,796 |
| Total domestic deposits to total assets | 90.1739% | 893 |
| Equity capital to assets | 9.4280% | 4,989 |
| Core capital (leverage) ratio | 9.3181% | 4,300 |
| Tier 1 risk-based capital ratio | 15.9858% | 3,058 |
| Total risk-based capital ratio | 17.0160% | 3,140 |
| Memoranda: | ||
| Average total assets | $15,034,600 | 7,286 |
| Average earning assets | $14,217,800 | 7,259 |
| Average equity | $1,320,200 | 7,309 |
| Average total loans | $9,271,800 | 7,139 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 5,528 |
| Cost of funding earning assets | 0.6504% | 6,028 |
| Net interest margin | 3.7725% | 4,001 |
| Noninterest income to average assets | 0.5784% | 3,314 |
| Noninterest expense to average assets | 3.2952% | 2,512 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6222% | 4,002 |
| Return on assets (ROA) | 0.6222% | 4,176 |
| Pretax return on assets | 0.8413% | 3,979 |
| Return on Equity (ROE) | 7.2108% | 3,418 |
| Retained earnings to average equity (ytd only) | 5.1800% | 3,076 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6610% | 2,302 |
| Assets per employee ($millions) | 3.0670% | 5,973 |
| Cash dividends to net income (ytd only)* | 28.1745% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 6,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 58.9240% | 4,338 |
| Net loans and leases to deposits | 64.8021% | 5,072 |
| Net loans and leases to core deposits | 70.0031% | 4,944 |
| Total domestic deposits to total assets | 90.9292% | 454 |
| Equity capital to assets | 8.6991% | 6,087 |
| Core capital (leverage) ratio | 8.8163% | 5,237 |
| Tier 1 risk-based capital ratio | 15.4202% | 3,427 |
| Total risk-based capital ratio | 16.4258% | 3,526 |
| Memoranda: | ||
| Average total assets | $15,213,500 | 7,362 |
| Average earning assets | $14,349,250 | 7,333 |
| Average equity | $1,312,750 | 7,384 |
| Average total loans | $9,324,500 | 7,206 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 5,420 |
| Cost of funding earning assets | 0.6901% | 6,019 |
| Net interest margin | 3.7886% | 3,845 |
| Noninterest income to average assets | 0.6591% | 2,764 |
| Noninterest expense to average assets | 3.3085% | 2,527 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6459% | 3,818 |
| Return on assets (ROA) | 0.6459% | 3,945 |
| Pretax return on assets | 0.8963% | 3,626 |
| Return on Equity (ROE) | 7.5057% | 3,187 |
| Retained earnings to average equity (ytd only) | 5.9739% | 2,453 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6834% | 2,600 |
| Assets per employee ($millions) | 2.9892% | 6,115 |
| Cash dividends to net income (ytd only)* | 20.4082% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9271% | 6,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 62.2039% | 3,850 |
| Net loans and leases to deposits | 68.5569% | 4,626 |
| Net loans and leases to core deposits | 78.6681% | 3,975 |
| Total domestic deposits to total assets | 90.7333% | 616 |
| Equity capital to assets | 8.8519% | 5,762 |
| Core capital (leverage) ratio | 8.7131% | 5,203 |
| Tier 1 risk-based capital ratio | 15.4791% | 3,254 |
| Total risk-based capital ratio | 16.4970% | 3,334 |
| Memoranda: | ||
| Average total assets | $15,173,000 | 7,434 |
| Average earning assets | $14,200,670 | 7,408 |
| Average equity | $1,305,670 | 7,456 |
| Average total loans | $9,391,670 | 7,272 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 5,265 |
| Cost of funding earning assets | 0.7582% | 5,813 |
| Net interest margin | 3.7629% | 3,786 |
| Noninterest income to average assets | 0.7588% | 2,224 |
| Noninterest expense to average assets | 3.2447% | 2,724 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7327% | 3,360 |
| Return on assets (ROA) | 0.7327% | 3,426 |
| Pretax return on assets | 1.0205% | 3,058 |
| Return on Equity (ROE) | 8.6353% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.6353% | 1,509 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0736% | 3,156 |
| Assets per employee ($millions) | 3.0950% | 5,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 6,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 59.8191% | 4,306 |
| Net loans and leases to deposits | 65.6851% | 5,021 |
| Net loans and leases to core deposits | 76.8088% | 4,195 |
| Total domestic deposits to total assets | 91.0695% | 594 |
| Equity capital to assets | 8.4717% | 5,951 |
| Core capital (leverage) ratio | 8.5257% | 5,402 |
| Tier 1 risk-based capital ratio | 15.1683% | 3,336 |
| Total risk-based capital ratio | 16.1749% | 3,429 |
| Memoranda: | ||
| Average total assets | $15,286,500 | 7,491 |
| Average earning assets | $14,244,500 | 7,467 |
| Average equity | $1,297,000 | 7,513 |
| Average total loans | $9,395,500 | 7,332 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 5,607 |
| Cost of funding earning assets | 0.8886% | 6,209 |
| Net interest margin | 3.8646% | 3,665 |
| Noninterest income to average assets | 0.3871% | 5,002 |
| Noninterest expense to average assets | 3.2839% | 2,784 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5740% | 3,780 |
| Return on assets (ROA) | 0.5740% | 3,945 |
| Pretax return on assets | 0.7609% | 3,756 |
| Return on Equity (ROE) | 6.8286% | 3,198 |
| Retained earnings to average equity (ytd only) | 4.0495% | 3,024 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1881% | 2,267 |
| Assets per employee ($millions) | 3.0196% | 6,058 |
| Cash dividends to net income (ytd only)* | 40.6977% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 6,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 61.9950% | 4,286 |
| Net loans and leases to deposits | 68.1471% | 5,085 |
| Net loans and leases to core deposits | 80.0137% | 4,220 |
| Total domestic deposits to total assets | 90.9723% | 607 |
| Equity capital to assets | 8.4978% | 5,861 |
| Core capital (leverage) ratio | 8.6689% | 5,074 |
| Tier 1 risk-based capital ratio | 14.7099% | 3,418 |
| Total risk-based capital ratio | 15.7074% | 3,530 |
| Memoranda: | ||
| Average total assets | $14,982,200 | 7,570 |
| Average earning assets | $14,180,000 | 7,542 |
| Average equity | $1,259,400 | 7,611 |
| Average total loans | $9,746,600 | 7,407 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 5,586 |
| Cost of funding earning assets | 0.9017% | 6,386 |
| Net interest margin | 3.9167% | 3,459 |
| Noninterest income to average assets | 0.3924% | 5,020 |
| Noninterest expense to average assets | 3.2812% | 2,626 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6153% | 3,816 |
| Return on assets (ROA) | 0.6153% | 3,985 |
| Pretax return on assets | 0.8293% | 3,802 |
| Return on Equity (ROE) | 7.3394% | 3,181 |
| Retained earnings to average equity (ytd only) | 3.6163% | 3,902 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8265% | 2,361 |
| Assets per employee ($millions) | 2.9212% | 6,323 |
| Cash dividends to net income (ytd only)* | 50.7283% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 6,675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 64.0901% | 4,104 |
| Net loans and leases to deposits | 70.5745% | 5,071 |
| Net loans and leases to core deposits | 81.5347% | 4,310 |
| Total domestic deposits to total assets | 90.8120% | 513 |
| Equity capital to assets | 8.6677% | 6,079 |
| Core capital (leverage) ratio | 8.6035% | 5,340 |
| Tier 1 risk-based capital ratio | 14.6443% | 3,430 |
| Total risk-based capital ratio | 15.6507% | 3,540 |
| Memoranda: | ||
| Average total assets | $14,953,250 | 7,668 |
| Average earning assets | $14,195,500 | 7,639 |
| Average equity | $1,253,500 | 7,708 |
| Average total loans | $9,821,500 | 7,498 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 5,366 |
| Cost of funding earning assets | 0.9107% | 6,534 |
| Net interest margin | 3.9929% | 3,053 |
| Noninterest income to average assets | 0.3849% | 5,039 |
| Noninterest expense to average assets | 3.2650% | 2,675 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6636% | 3,565 |
| Return on assets (ROA) | 0.6636% | 3,711 |
| Pretax return on assets | 0.9025% | 3,482 |
| Return on Equity (ROE) | 8.0043% | 2,884 |
| Retained earnings to average equity (ytd only) | 4.8026% | 3,011 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3439% | 2,669 |
| Assets per employee ($millions) | 2.9454% | 6,259 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8540% | 6,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 68.5815% | 3,226 |
| Net loans and leases to deposits | 75.3956% | 4,440 |
| Net loans and leases to core deposits | 86.9416% | 3,708 |
| Total domestic deposits to total assets | 90.9622% | 496 |
| Equity capital to assets | 8.5625% | 6,083 |
| Core capital (leverage) ratio | 8.4275% | 5,533 |
| Tier 1 risk-based capital ratio | 13.9260% | 3,783 |
| Total risk-based capital ratio | 14.8868% | 3,943 |
| Memoranda: | ||
| Average total assets | $15,069,000 | 7,729 |
| Average earning assets | $14,275,330 | 7,700 |
| Average equity | $1,249,330 | 7,775 |
| Average total loans | $9,946,000 | 7,556 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8407% | 5,722 |
| Cost of funding earning assets | 0.8902% | 6,805 |
| Net interest margin | 3.9505% | 3,098 |
| Noninterest income to average assets | 0.3412% | 5,412 |
| Noninterest expense to average assets | 3.1759% | 2,952 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6562% | 3,634 |
| Return on assets (ROA) | 0.6562% | 3,749 |
| Pretax return on assets | 0.8924% | 3,498 |
| Return on Equity (ROE) | 8.0418% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.0418% | 1,694 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0645% | 2,884 |
| Assets per employee ($millions) | 3.0044% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 6,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 66.7954% | 3,678 |
| Net loans and leases to deposits | 73.3104% | 4,854 |
| Net loans and leases to core deposits | 84.4968% | 4,137 |
| Total domestic deposits to total assets | 91.1130% | 497 |
| Equity capital to assets | 8.3611% | 6,210 |
| Core capital (leverage) ratio | 8.3689% | 5,612 |
| Tier 1 risk-based capital ratio | 13.4346% | 4,028 |
| Total risk-based capital ratio | 14.3652% | 4,220 |
| Memoranda: | ||
| Average total assets | $15,240,000 | 7,825 |
| Average earning assets | $14,378,000 | 7,796 |
| Average equity | $1,243,500 | 7,861 |
| Average total loans | $9,825,500 | 7,658 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4323% | 4,523 |
| Cost of funding earning assets | 1.3230% | 6,225 |
| Net interest margin | 4.1093% | 2,411 |
| Noninterest income to average assets | 0.4235% | 5,019 |
| Noninterest expense to average assets | 3.6587% | 2,008 |
| Loan and lease loss provision to assets | 0.3680% | 4,586 |
| Net operating income to assets | 0.1250% | 5,130 |
| Return on assets (ROA) | 0.1250% | 5,189 |
| Pretax return on assets | 0.2569% | 4,878 |
| Return on Equity (ROE) | 1.4606% | 5,104 |
| Retained earnings to average equity (ytd only) | 1.4606% | 4,044 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4133% | 2,177 |
| Assets per employee ($millions) | 3.8645% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 6,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 61.0881% | 5,176 |
| Net loans and leases to deposits | 66.7303% | 5,976 |
| Net loans and leases to core deposits | 98.9417% | 4,123 |
| Total domestic deposits to total assets | 91.5448% | 370 |
| Equity capital to assets | 7.9635% | 6,619 |
| Core capital (leverage) ratio | 8.5462% | 5,208 |
| Tier 1 risk-based capital ratio | 13.8237% | 3,616 |
| Total risk-based capital ratio | 14.8007% | 3,734 |
| Memoranda: | ||
| Average total assets | $14,404,000 | 7,909 |
| Average earning assets | $13,530,200 | 7,881 |
| Average equity | $1,232,400 | 7,959 |
| Average total loans | $9,564,600 | 7,723 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6544% | 3,550 |
| Cost of funding earning assets | 1.4589% | 6,003 |
| Net interest margin | 4.1956% | 2,080 |
| Noninterest income to average assets | 0.3960% | 5,322 |
| Noninterest expense to average assets | 3.8187% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4149% | 4,342 |
| Return on assets (ROA) | 0.4149% | 4,437 |
| Pretax return on assets | 0.5092% | 4,494 |
| Return on Equity (ROE) | 4.7593% | 4,062 |
| Retained earnings to average equity (ytd only) | 4.7593% | 2,627 |
| Net charge-offs to loans | 0.0139% | 6,722 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 54.1353% | 594 |
| Efficiency ratio | 88.2353% | 1,848 |
| Assets per employee ($millions) | 3.6265% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3448% | 7,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5097% | 4,107 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 67.7444% | 4,013 |
| Net loans and leases to deposits | 74.6052% | 5,280 |
| Net loans and leases to core deposits | 113.7516% | 2,857 |
| Total domestic deposits to total assets | 90.8038% | 481 |
| Equity capital to assets | 8.6654% | 6,012 |
| Core capital (leverage) ratio | 8.6845% | 5,157 |
| Tier 1 risk-based capital ratio | 13.8421% | 3,635 |
| Total risk-based capital ratio | 14.2165% | 4,146 |
| Memoranda: | ||
| Average total assets | $14,140,500 | 7,995 |
| Average earning assets | $13,251,750 | 7,975 |
| Average equity | $1,232,750 | 8,039 |
| Average total loans | $9,573,250 | 7,797 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8036% | 3,025 |
| Cost of funding earning assets | 1.5385% | 5,980 |
| Net interest margin | 4.2651% | 1,763 |
| Noninterest income to average assets | 0.3709% | 5,545 |
| Noninterest expense to average assets | 3.9091% | 1,468 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3709% | 4,617 |
| Return on assets (ROA) | 0.3709% | 4,715 |
| Pretax return on assets | 0.4565% | 4,761 |
| Return on Equity (ROE) | 4.2460% | 4,399 |
| Retained earnings to average equity (ytd only) | 4.2460% | 2,942 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5425% | 1,854 |
| Assets per employee ($millions) | 2.3850% | 7,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3441% | 7,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 4,004 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 68.8190% | 3,988 |
| Net loans and leases to deposits | 75.8005% | 5,202 |
| Net loans and leases to core deposits | 114.4185% | 2,866 |
| Total domestic deposits to total assets | 90.7897% | 526 |
| Equity capital to assets | 8.6583% | 5,811 |
| Core capital (leverage) ratio | 8.7389% | 5,024 |
| Tier 1 risk-based capital ratio | 13.9276% | 3,563 |
| Total risk-based capital ratio | 14.3098% | 4,024 |
| Memoranda: | ||
| Average total assets | $14,018,670 | 8,090 |
| Average earning assets | $13,129,670 | 8,066 |
| Average equity | $1,224,670 | 8,130 |
| Average total loans | $9,477,330 | 7,885 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9000% | 2,796 |
| Cost of funding earning assets | 1.6901% | 5,635 |
| Net interest margin | 4.2099% | 1,861 |
| Noninterest income to average assets | 0.3460% | 5,681 |
| Noninterest expense to average assets | 3.9790% | 1,210 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2595% | 5,446 |
| Return on assets (ROA) | 0.2595% | 5,611 |
| Pretax return on assets | 0.3172% | 5,637 |
| Return on Equity (ROE) | 2.9569% | 5,390 |
| Retained earnings to average equity (ytd only) | 2.9569% | 4,230 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6174% | 1,530 |
| Assets per employee ($millions) | 2.3418% | 7,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3688% | 7,981 |
| Loan loss allowance to noncurrent loans | 17.3267% | 7,297 |
| Noncurrent assets plus other real estate owned to assets | 1.4376% | 3,780 |
| Noncurrent loans to loans | 2.1286% | 3,078 |
| Net loans and leases to total assets | 67.2906% | 4,292 |
| Net loans and leases to deposits | 74.1801% | 5,458 |
| Net loans and leases to core deposits | 109.2054% | 3,541 |
| Total domestic deposits to total assets | 90.7124% | 508 |
| Equity capital to assets | 8.6969% | 5,768 |
| Core capital (leverage) ratio | 8.8110% | 4,962 |
| Tier 1 risk-based capital ratio | 14.1829% | 3,486 |
| Total risk-based capital ratio | 14.5891% | 3,884 |
| Memoranda: | ||
| Average total assets | $13,873,000 | 8,145 |
| Average earning assets | $13,017,000 | 8,115 |
| Average equity | $1,217,500 | 8,183 |
| Average total loans | $9,275,000 | 7,940 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8318% | 1,578 |
| Cost of funding earning assets | 2.0586% | 6,203 |
| Net interest margin | 4.7732% | 827 |
| Noninterest income to average assets | 0.4907% | 4,679 |
| Noninterest expense to average assets | 4.3318% | 1,006 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4983% | 4,743 |
| Return on assets (ROA) | 0.4983% | 4,585 |
| Pretax return on assets | 0.6210% | 4,623 |
| Return on Equity (ROE) | 5.3728% | 4,207 |
| Retained earnings to average equity (ytd only) | -0.4133% | 5,410 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4613% | 1,728 |
| Assets per employee ($millions) | 1.9564% | 7,948 |
| Cash dividends to net income (ytd only)* | 107.6923% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3863% | 8,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 65.9000% | 4,869 |
| Net loans and leases to deposits | 72.7999% | 5,968 |
| Net loans and leases to core deposits | 107.0835% | 4,070 |
| Total domestic deposits to total assets | 90.5221% | 480 |
| Equity capital to assets | 8.8572% | 5,554 |
| Core capital (leverage) ratio | 9.0889% | 4,607 |
| Tier 1 risk-based capital ratio | 13.5561% | 3,786 |
| Total risk-based capital ratio | 13.9473% | 4,210 |
| Memoranda: | ||
| Average total assets | $13,043,200 | 8,203 |
| Average earning assets | $12,193,000 | 8,184 |
| Average equity | $1,209,800 | 8,248 |
| Average total loans | $9,316,000 | 7,970 |