Home > Byron State Bank > Performance and Condition Ratios
Byron State Bank, 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 | 4.1644% | 2,611 |
| Cost of funding earning assets | 0.6606% | 1,085 |
| Net interest margin | 3.5038% | 3,384 |
| Noninterest income to average assets | 0.1210% | 5,446 |
| Noninterest expense to average assets | 1.5369% | 5,540 |
| Loan and lease loss provision to assets | 0.1434% | 1,424 |
| Net operating income to assets | 1.1426% | 1,814 |
| Return on assets (ROA) | 1.1426% | 1,865 |
| Pretax return on assets | 1.7206% | 1,013 |
| Return on Equity (ROE) | 9.0218% | 2,499 |
| Retained earnings to average equity (ytd only) | 9.0218% | 834 |
| Net charge-offs to loans | -0.0112% | 4,580 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1910% | 5,484 |
| Assets per employee ($millions) | 6.2337% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,363 |
| Loan loss allowance to noncurrent loans | 73.5192% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.3154% | 1,248 |
| Noncurrent loans to loans | 1.5521% | 1,203 |
| Net loans and leases to total assets | 83.7840% | 471 |
| Net loans and leases to deposits | 100.2028% | 722 |
| Net loans and leases to core deposits | 107.1387% | 1,150 |
| Total domestic deposits to total assets | 83.6144% | 3,358 |
| Equity capital to assets | 13.2459% | 1,256 |
| Core capital (leverage) ratio | 13.2475% | 1,076 |
| Tier 1 risk-based capital ratio | 15.1226% | 2,876 |
| Total risk-based capital ratio | 16.2267% | 2,868 |
| Memoranda: | ||
| Average total assets | $44,636,000 | 5,354 |
| Average earning assets | $41,782,670 | 5,331 |
| Average equity | $5,653,000 | 5,245 |
| Average total loans | $35,708,670 | 4,934 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0665% | 2,781 |
| Cost of funding earning assets | 0.6506% | 1,073 |
| Net interest margin | 3.4159% | 3,598 |
| Noninterest income to average assets | 0.1152% | 5,530 |
| Noninterest expense to average assets | 1.3470% | 5,721 |
| Loan and lease loss provision to assets | 0.1329% | 1,437 |
| Net operating income to assets | 1.1432% | 1,700 |
| Return on assets (ROA) | 1.1432% | 1,737 |
| Pretax return on assets | 1.7990% | 806 |
| Return on Equity (ROE) | 9.2316% | 2,301 |
| Retained earnings to average equity (ytd only) | 9.2316% | 1,006 |
| Net charge-offs to loans | 0.0228% | 2,310 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 499 |
| Efficiency ratio | 41.0811% | 5,668 |
| Assets per employee ($millions) | 6.5414% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 3,208 |
| Loan loss allowance to noncurrent loans | 616.9231% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 4,695 |
| Noncurrent loans to loans | 0.1926% | 4,434 |
| Net loans and leases to total assets | 72.8412% | 1,936 |
| Net loans and leases to deposits | 83.6317% | 2,325 |
| Net loans and leases to core deposits | 91.9121% | 2,170 |
| Total domestic deposits to total assets | 87.0976% | 2,162 |
| Equity capital to assets | 12.3477% | 1,631 |
| Core capital (leverage) ratio | 12.2143% | 1,498 |
| Tier 1 risk-based capital ratio | 15.5925% | 2,719 |
| Total risk-based capital ratio | 16.6984% | 2,709 |
| Memoranda: | ||
| Average total assets | $45,136,000 | 5,405 |
| Average earning assets | $41,805,000 | 5,386 |
| Average equity | $5,589,500 | 5,305 |
| Average total loans | $35,072,000 | 4,997 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 1,917 |
| Cost of funding earning assets | 0.6128% | 1,256 |
| Net interest margin | 3.7556% | 2,480 |
| Noninterest income to average assets | 0.1555% | 5,431 |
| Noninterest expense to average assets | 1.6134% | 5,640 |
| Loan and lease loss provision to assets | 0.1465% | 1,701 |
| Net operating income to assets | 1.2582% | 1,334 |
| Return on assets (ROA) | 1.2596% | 1,410 |
| Pretax return on assets | 1.9469% | 566 |
| Return on Equity (ROE) | 10.3672% | 1,820 |
| Retained earnings to average equity (ytd only) | 8.4199% | 730 |
| Net charge-offs to loans | 0.1145% | 2,113 |
| Credit loss provision to net charge-offs | 151.1628% | 1,808 |
| Earnings coverage of net charge-offs (x) | 21.5814% | 1,776 |
| Efficiency ratio | 43.5523% | 5,710 |
| Assets per employee ($millions) | 6.3546% | 1,232 |
| Cash dividends to net income (ytd only)* | 18.7835% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,916 |
| Loan loss allowance to noncurrent loans | 636.0656% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 4,758 |
| Noncurrent loans to loans | 0.1676% | 4,560 |
| Net loans and leases to total assets | 80.9339% | 749 |
| Net loans and leases to deposits | 92.8818% | 1,312 |
| Net loans and leases to core deposits | 103.8091% | 1,297 |
| Total domestic deposits to total assets | 87.1364% | 2,070 |
| Equity capital to assets | 12.4208% | 1,566 |
| Core capital (leverage) ratio | 12.4639% | 1,349 |
| Tier 1 risk-based capital ratio | 13.9348% | 3,499 |
| Total risk-based capital ratio | 14.9134% | 3,574 |
| Memoranda: | ||
| Average total assets | $44,377,600 | 5,458 |
| Average earning assets | $41,937,800 | 5,422 |
| Average equity | $5,392,000 | 5,393 |
| Average total loans | $37,554,200 | 4,963 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 1,943 |
| Cost of funding earning assets | 0.6010% | 1,321 |
| Net interest margin | 3.7696% | 2,452 |
| Noninterest income to average assets | 0.1503% | 5,516 |
| Noninterest expense to average assets | 1.1905% | 5,894 |
| Loan and lease loss provision to assets | 0.1503% | 1,555 |
| Net operating income to assets | 1.7594% | 528 |
| Return on assets (ROA) | 1.7616% | 557 |
| Pretax return on assets | 2.4140% | 250 |
| Return on Equity (ROE) | 14.5801% | 726 |
| Retained earnings to average equity (ytd only) | 14.5801% | 147 |
| Net charge-offs to loans | -0.0176% | 4,965 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.7308% | 5,928 |
| Assets per employee ($millions) | 6.2673% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 3,929 |
| Loan loss allowance to noncurrent loans | 628.3582% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 4,830 |
| Noncurrent loans to loans | 0.1723% | 4,668 |
| Net loans and leases to total assets | 87.6524% | 155 |
| Net loans and leases to deposits | 104.5770% | 428 |
| Net loans and leases to core deposits | 115.8427% | 663 |
| Total domestic deposits to total assets | 83.8162% | 3,268 |
| Equity capital to assets | 12.8946% | 1,546 |
| Core capital (leverage) ratio | 12.9058% | 1,224 |
| Tier 1 risk-based capital ratio | 14.0620% | 3,526 |
| Total risk-based capital ratio | 15.1085% | 3,560 |
| Memoranda: | ||
| Average total assets | $44,351,500 | 5,508 |
| Average earning assets | $42,372,750 | 5,471 |
| Average equity | $5,358,750 | 5,455 |
| Average total loans | $37,845,500 | 4,997 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 2,179 |
| Cost of funding earning assets | 0.5944% | 1,358 |
| Net interest margin | 3.6985% | 2,702 |
| Noninterest income to average assets | 0.1348% | 5,637 |
| Noninterest expense to average assets | 1.1862% | 5,976 |
| Loan and lease loss provision to assets | 0.1348% | 1,692 |
| Net operating income to assets | 1.6850% | 595 |
| Return on assets (ROA) | 1.6850% | 633 |
| Pretax return on assets | 2.3365% | 287 |
| Return on Equity (ROE) | 14.2604% | 790 |
| Retained earnings to average equity (ytd only) | 14.2604% | 172 |
| Net charge-offs to loans | -0.0160% | 4,861 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4324% | 5,995 |
| Assets per employee ($millions) | 6.1154% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 4,103 |
| Loan loss allowance to noncurrent loans | 234.7059% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 3,903 |
| Noncurrent loans to loans | 0.4564% | 3,734 |
| Net loans and leases to total assets | 86.0727% | 247 |
| Net loans and leases to deposits | 99.3609% | 748 |
| Net loans and leases to core deposits | 105.2803% | 1,234 |
| Total domestic deposits to total assets | 86.6263% | 2,097 |
| Equity capital to assets | 12.7219% | 1,648 |
| Core capital (leverage) ratio | 12.5178% | 1,345 |
| Tier 1 risk-based capital ratio | 14.1271% | 3,533 |
| Total risk-based capital ratio | 15.1621% | 3,572 |
| Memoranda: | ||
| Average total assets | $44,511,670 | 5,572 |
| Average earning assets | $42,395,670 | 5,531 |
| Average equity | $5,259,330 | 5,533 |
| Average total loans | $37,502,330 | 5,059 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 2,291 |
| Cost of funding earning assets | 0.5863% | 1,437 |
| Net interest margin | 3.6670% | 2,821 |
| Noninterest income to average assets | 0.1323% | 5,683 |
| Noninterest expense to average assets | 1.1551% | 6,042 |
| Loan and lease loss provision to assets | 0.1323% | 1,596 |
| Net operating income to assets | 1.7194% | 550 |
| Return on assets (ROA) | 1.7194% | 585 |
| Pretax return on assets | 2.3190% | 309 |
| Return on Equity (ROE) | 15.0987% | 656 |
| Retained earnings to average equity (ytd only) | 15.0987% | 241 |
| Net charge-offs to loans | -0.0213% | 4,892 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.0293% | 6,061 |
| Assets per employee ($millions) | 6.3446% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 4,331 |
| Loan loss allowance to noncurrent loans | 308.8710% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 4,442 |
| Noncurrent loans to loans | 0.3402% | 4,220 |
| Net loans and leases to total assets | 81.1965% | 660 |
| Net loans and leases to deposits | 92.8139% | 1,249 |
| Net loans and leases to core deposits | 100.0833% | 1,478 |
| Total domestic deposits to total assets | 87.4831% | 1,936 |
| Equity capital to assets | 11.8549% | 2,116 |
| Core capital (leverage) ratio | 11.5772% | 1,922 |
| Tier 1 risk-based capital ratio | 13.6961% | 3,870 |
| Total risk-based capital ratio | 14.6922% | 3,939 |
| Memoranda: | ||
| Average total assets | $45,363,500 | 5,606 |
| Average earning assets | $42,978,000 | 5,573 |
| Average equity | $5,166,000 | 5,594 |
| Average total loans | $37,631,000 | 5,093 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 3,120 |
| Cost of funding earning assets | 0.5602% | 1,675 |
| Net interest margin | 3.4886% | 3,562 |
| Noninterest income to average assets | 0.1443% | 5,692 |
| Noninterest expense to average assets | 1.6234% | 5,901 |
| Loan and lease loss provision to assets | 0.1843% | 1,217 |
| Net operating income to assets | 1.0906% | 1,965 |
| Return on assets (ROA) | 1.0704% | 2,112 |
| Pretax return on assets | 1.6522% | 1,103 |
| Return on Equity (ROE) | 9.7279% | 2,117 |
| Retained earnings to average equity (ytd only) | 7.6088% | 1,060 |
| Net charge-offs to loans | -0.0057% | 4,998 |
| Credit loss provision to net charge-offs | -4,150.0000% | 5,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5013% | 5,901 |
| Assets per employee ($millions) | 6.6164% | 1,041 |
| Cash dividends to net income (ytd only)* | 21.7842% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 4,906 |
| Loan loss allowance to noncurrent loans | 285.9375% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 4,102 |
| Noncurrent loans to loans | 0.3297% | 4,280 |
| Net loans and leases to total assets | 83.0228% | 484 |
| Net loans and leases to deposits | 97.3961% | 876 |
| Net loans and leases to core deposits | 111.6914% | 788 |
| Total domestic deposits to total assets | 85.2424% | 2,976 |
| Equity capital to assets | 10.9403% | 2,883 |
| Core capital (leverage) ratio | 11.0535% | 2,345 |
| Tier 1 risk-based capital ratio | 12.6598% | 4,538 |
| Total risk-based capital ratio | 13.5735% | 4,641 |
| Memoranda: | ||
| Average total assets | $45,029,800 | 5,658 |
| Average earning assets | $43,197,800 | 5,601 |
| Average equity | $4,954,800 | 5,667 |
| Average total loans | $34,880,400 | 5,196 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 3,284 |
| Cost of funding earning assets | 0.5576% | 1,741 |
| Net interest margin | 3.4577% | 3,730 |
| Noninterest income to average assets | 0.1580% | 5,699 |
| Noninterest expense to average assets | 1.1631% | 6,183 |
| Loan and lease loss provision to assets | 0.2177% | 877 |
| Net operating income to assets | 1.5122% | 902 |
| Return on assets (ROA) | 1.4822% | 981 |
| Pretax return on assets | 2.0458% | 549 |
| Return on Equity (ROE) | 13.4500% | 1,016 |
| Retained earnings to average equity (ytd only) | 13.4500% | 241 |
| Net charge-offs to loans | 0.0039% | 4,046 |
| Credit loss provision to net charge-offs | 7,300.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 774.9173% | 97 |
| Efficiency ratio | 33.5340% | 6,203 |
| Assets per employee ($millions) | 6.6483% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 5,004 |
| Loan loss allowance to noncurrent loans | 198.3146% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 3,893 |
| Noncurrent loans to loans | 0.4757% | 3,936 |
| Net loans and leases to total assets | 79.6403% | 865 |
| Net loans and leases to deposits | 90.2303% | 1,614 |
| Net loans and leases to core deposits | 104.9111% | 1,172 |
| Total domestic deposits to total assets | 88.2634% | 1,418 |
| Equity capital to assets | 11.1479% | 2,853 |
| Core capital (leverage) ratio | 11.3584% | 2,146 |
| Tier 1 risk-based capital ratio | 13.4131% | 4,187 |
| Total risk-based capital ratio | 14.3252% | 4,306 |
| Memoranda: | ||
| Average total assets | $44,708,500 | 5,739 |
| Average earning assets | $42,802,000 | 5,686 |
| Average equity | $4,926,750 | 5,742 |
| Average total loans | $33,896,000 | 5,289 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 3,822 |
| Cost of funding earning assets | 0.5484% | 1,834 |
| Net interest margin | 3.3141% | 4,246 |
| Noninterest income to average assets | 0.1633% | 5,728 |
| Noninterest expense to average assets | 1.1565% | 6,257 |
| Loan and lease loss provision to assets | 0.1723% | 1,207 |
| Net operating income to assets | 1.4513% | 985 |
| Return on assets (ROA) | 1.4513% | 1,029 |
| Pretax return on assets | 2.0137% | 582 |
| Return on Equity (ROE) | 13.2240% | 1,070 |
| Retained earnings to average equity (ytd only) | 13.2240% | 289 |
| Net charge-offs to loans | -0.0061% | 4,791 |
| Credit loss provision to net charge-offs | -3,800.0000% | 5,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5997% | 6,270 |
| Assets per employee ($millions) | 6.3513% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 5,254 |
| Loan loss allowance to noncurrent loans | 174.8634% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 3,906 |
| Noncurrent loans to loans | 0.5222% | 3,891 |
| Net loans and leases to total assets | 78.1012% | 1,057 |
| Net loans and leases to deposits | 89.1636% | 1,700 |
| Net loans and leases to core deposits | 100.9889% | 1,406 |
| Total domestic deposits to total assets | 87.5931% | 1,848 |
| Equity capital to assets | 11.2418% | 2,627 |
| Core capital (leverage) ratio | 11.6528% | 1,882 |
| Tier 1 risk-based capital ratio | 13.7784% | 4,048 |
| Total risk-based capital ratio | 14.6593% | 4,201 |
| Memoranda: | ||
| Average total assets | $44,098,670 | 5,816 |
| Average earning assets | $42,304,670 | 5,760 |
| Average equity | $4,839,670 | 5,820 |
| Average total loans | $32,722,670 | 5,382 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7858% | 4,065 |
| Cost of funding earning assets | 0.5436% | 1,897 |
| Net interest margin | 3.2423% | 4,445 |
| Noninterest income to average assets | 0.1639% | 5,753 |
| Noninterest expense to average assets | 1.1658% | 6,330 |
| Loan and lease loss provision to assets | 0.1639% | 1,222 |
| Net operating income to assets | 1.4026% | 1,027 |
| Return on assets (ROA) | 1.4026% | 1,081 |
| Pretax return on assets | 1.9308% | 674 |
| Return on Equity (ROE) | 12.9398% | 1,108 |
| Retained earnings to average equity (ytd only) | 12.9398% | 453 |
| Net charge-offs to loans | -0.0253% | 5,160 |
| Credit loss provision to net charge-offs | -900.0000% | 4,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7542% | 6,330 |
| Assets per employee ($millions) | 6.1439% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 5,148 |
| Loan loss allowance to noncurrent loans | 200.6667% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 3,976 |
| Noncurrent loans to loans | 0.4858% | 4,121 |
| Net loans and leases to total assets | 71.1024% | 1,967 |
| Net loans and leases to deposits | 80.7132% | 2,479 |
| Net loans and leases to core deposits | 84.2327% | 2,741 |
| Total domestic deposits to total assets | 88.0926% | 1,763 |
| Equity capital to assets | 11.2633% | 2,689 |
| Core capital (leverage) ratio | 10.9570% | 2,450 |
| Tier 1 risk-based capital ratio | 14.3930% | 3,780 |
| Total risk-based capital ratio | 15.2864% | 3,906 |
| Memoranda: | ||
| Average total assets | $43,918,500 | 5,873 |
| Average earning assets | $41,946,000 | 5,816 |
| Average equity | $4,760,500 | 5,892 |
| Average total loans | $31,562,500 | 5,454 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 3,913 |
| Cost of funding earning assets | 0.5703% | 2,043 |
| Net interest margin | 3.3818% | 4,269 |
| Noninterest income to average assets | 0.1900% | 5,719 |
| Noninterest expense to average assets | 1.6804% | 6,175 |
| Loan and lease loss provision to assets | 0.1583% | 1,660 |
| Net operating income to assets | 1.0607% | 2,126 |
| Return on assets (ROA) | 1.0607% | 2,185 |
| Pretax return on assets | 1.5967% | 1,246 |
| Return on Equity (ROE) | 10.3109% | 1,982 |
| Retained earnings to average equity (ytd only) | 8.0025% | 1,016 |
| Net charge-offs to loans | 0.1426% | 2,607 |
| Credit loss provision to net charge-offs | 155.5556% | 1,561 |
| Earnings coverage of net charge-offs (x) | 17.2444% | 1,940 |
| Efficiency ratio | 48.9138% | 6,148 |
| Assets per employee ($millions) | 6.4043% | 1,113 |
| Cash dividends to net income (ytd only)* | 22.3881% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 5,560 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8588% | 3,060 |
| Noncurrent loans to loans | 0.8715% | 3,137 |
| Net loans and leases to total assets | 71.3005% | 2,033 |
| Net loans and leases to deposits | 84.9926% | 2,097 |
| Net loans and leases to core deposits | 92.9510% | 1,997 |
| Total domestic deposits to total assets | 83.8903% | 3,772 |
| Equity capital to assets | 10.4327% | 3,570 |
| Core capital (leverage) ratio | 10.5702% | 2,878 |
| Tier 1 risk-based capital ratio | 13.3611% | 4,496 |
| Total risk-based capital ratio | 14.1623% | 4,704 |
| Memoranda: | ||
| Average total assets | $44,215,400 | 5,922 |
| Average earning assets | $42,432,400 | 5,864 |
| Average equity | $4,548,600 | 5,976 |
| Average total loans | $31,559,400 | 5,502 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9778% | 3,843 |
| Cost of funding earning assets | 0.5741% | 2,070 |
| Net interest margin | 3.4037% | 4,228 |
| Noninterest income to average assets | 0.1876% | 5,791 |
| Noninterest expense to average assets | 1.2770% | 6,466 |
| Loan and lease loss provision to assets | 0.0756% | 2,831 |
| Net operating income to assets | 1.5493% | 846 |
| Return on assets (ROA) | 1.5493% | 876 |
| Pretax return on assets | 2.1000% | 459 |
| Return on Equity (ROE) | 15.1146% | 804 |
| Retained earnings to average equity (ytd only) | 15.1146% | 198 |
| Net charge-offs to loans | 0.0850% | 2,991 |
| Credit loss provision to net charge-offs | 125.0000% | 1,833 |
| Earnings coverage of net charge-offs (x) | 35.9445% | 1,207 |
| Efficiency ratio | 36.9851% | 6,497 |
| Assets per employee ($millions) | 6.3674% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 5,880 |
| Loan loss allowance to noncurrent loans | 108.7500% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 3,497 |
| Noncurrent loans to loans | 0.7335% | 3,767 |
| Net loans and leases to total assets | 72.8260% | 1,709 |
| Net loans and leases to deposits | 83.1540% | 2,267 |
| Net loans and leases to core deposits | 91.2567% | 2,089 |
| Total domestic deposits to total assets | 87.5796% | 1,992 |
| Equity capital to assets | 10.7938% | 3,189 |
| Core capital (leverage) ratio | 10.9483% | 2,539 |
| Tier 1 risk-based capital ratio | 13.7365% | 4,397 |
| Total risk-based capital ratio | 14.4781% | 4,647 |
| Memoranda: | ||
| Average total assets | $44,061,750 | 5,998 |
| Average earning assets | $42,266,750 | 5,938 |
| Average equity | $4,516,500 | 6,048 |
| Average total loans | $31,388,000 | 5,568 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9696% | 3,854 |
| Cost of funding earning assets | 0.5773% | 2,099 |
| Net interest margin | 3.3923% | 4,212 |
| Noninterest income to average assets | 0.1959% | 5,791 |
| Noninterest expense to average assets | 1.2987% | 6,526 |
| Loan and lease loss provision to assets | 0.1139% | 2,133 |
| Net operating income to assets | 1.4900% | 890 |
| Return on assets (ROA) | 1.4900% | 920 |
| Pretax return on assets | 2.0232% | 535 |
| Return on Equity (ROE) | 14.8020% | 821 |
| Retained earnings to average equity (ytd only) | 14.8020% | 222 |
| Net charge-offs to loans | 0.0840% | 2,846 |
| Credit loss provision to net charge-offs | 192.3077% | 1,211 |
| Earnings coverage of net charge-offs (x) | 36.0769% | 1,134 |
| Efficiency ratio | 37.7984% | 6,555 |
| Assets per employee ($millions) | 6.2469% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8525% | 5,869 |
| Loan loss allowance to noncurrent loans | 108.0645% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 3,719 |
| Noncurrent loans to loans | 0.7889% | 3,724 |
| Net loans and leases to total assets | 71.2793% | 1,869 |
| Net loans and leases to deposits | 80.4777% | 2,454 |
| Net loans and leases to core deposits | 83.8801% | 2,752 |
| Total domestic deposits to total assets | 88.5703% | 1,599 |
| Equity capital to assets | 10.5767% | 3,347 |
| Core capital (leverage) ratio | 10.5250% | 2,915 |
| Tier 1 risk-based capital ratio | 13.7979% | 4,391 |
| Total risk-based capital ratio | 14.5930% | 4,632 |
| Memoranda: | ||
| Average total assets | $43,891,670 | 6,060 |
| Average earning assets | $41,919,000 | 6,004 |
| Average equity | $4,418,330 | 6,115 |
| Average total loans | $30,943,670 | 5,633 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9090% | 4,048 |
| Cost of funding earning assets | 0.5749% | 2,200 |
| Net interest margin | 3.3341% | 4,404 |
| Noninterest income to average assets | 0.1910% | 5,817 |
| Noninterest expense to average assets | 1.1643% | 6,641 |
| Loan and lease loss provision to assets | 0.2274% | 977 |
| Net operating income to assets | 1.4918% | 835 |
| Return on assets (ROA) | 1.4918% | 861 |
| Pretax return on assets | 1.9648% | 575 |
| Return on Equity (ROE) | 15.2028% | 752 |
| Retained earnings to average equity (ytd only) | 15.2028% | 311 |
| Net charge-offs to loans | 0.3518% | 1,016 |
| Credit loss provision to net charge-offs | 92.5926% | 1,777 |
| Earnings coverage of net charge-offs (x) | 8.9259% | 1,981 |
| Efficiency ratio | 34.6883% | 6,647 |
| Assets per employee ($millions) | 6.2516% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 6,016 |
| Loan loss allowance to noncurrent loans | 118.1395% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 4,096 |
| Noncurrent loans to loans | 0.7146% | 4,085 |
| Net loans and leases to total assets | 68.1703% | 2,189 |
| Net loans and leases to deposits | 76.2713% | 2,784 |
| Net loans and leases to core deposits | 77.8050% | 3,224 |
| Total domestic deposits to total assets | 89.3787% | 1,429 |
| Equity capital to assets | 10.0935% | 3,733 |
| Core capital (leverage) ratio | 10.0197% | 3,550 |
| Tier 1 risk-based capital ratio | 13.6241% | 4,595 |
| Total risk-based capital ratio | 14.3960% | 4,853 |
| Memoranda: | ||
| Average total assets | $43,973,500 | 6,119 |
| Average earning assets | $41,750,000 | 6,063 |
| Average equity | $4,315,000 | 6,179 |
| Average total loans | $30,697,000 | 5,690 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 3,996 |
| Cost of funding earning assets | 0.6776% | 1,976 |
| Net interest margin | 3.3501% | 4,484 |
| Noninterest income to average assets | 0.1924% | 5,937 |
| Noninterest expense to average assets | 1.6075% | 6,514 |
| Loan and lease loss provision to assets | 0.3622% | 862 |
| Net operating income to assets | 0.9464% | 2,583 |
| Return on assets (ROA) | 0.9464% | 2,653 |
| Pretax return on assets | 1.4128% | 1,740 |
| Return on Equity (ROE) | 10.1857% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.1857% | 531 |
| Net charge-offs to loans | 0.3244% | 2,059 |
| Credit loss provision to net charge-offs | 166.6667% | 1,366 |
| Earnings coverage of net charge-offs (x) | 8.1667% | 2,717 |
| Efficiency ratio | 47.5234% | 6,504 |
| Assets per employee ($millions) | 6.3123% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8177% | 6,134 |
| Loan loss allowance to noncurrent loans | 86.4865% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 0.8509% | 3,760 |
| Noncurrent loans to loans | 0.9454% | 3,628 |
| Net loans and leases to total assets | 70.2757% | 1,969 |
| Net loans and leases to deposits | 78.1615% | 2,701 |
| Net loans and leases to core deposits | 84.5597% | 2,606 |
| Total domestic deposits to total assets | 89.9108% | 1,123 |
| Equity capital to assets | 9.5347% | 4,371 |
| Core capital (leverage) ratio | 9.7565% | 3,902 |
| Tier 1 risk-based capital ratio | 12.6986% | 5,176 |
| Total risk-based capital ratio | 13.4520% | 5,423 |
| Memoranda: | ||
| Average total assets | $44,168,400 | 6,176 |
| Average earning assets | $42,059,000 | 6,108 |
| Average equity | $4,103,800 | 6,301 |
| Average total loans | $29,590,600 | 5,781 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 4,126 |
| Cost of funding earning assets | 0.6977% | 1,969 |
| Net interest margin | 3.3047% | 4,617 |
| Noninterest income to average assets | 0.1872% | 6,072 |
| Noninterest expense to average assets | 1.2015% | 6,789 |
| Loan and lease loss provision to assets | 0.3774% | 822 |
| Net operating income to assets | 1.3404% | 1,243 |
| Return on assets (ROA) | 1.3404% | 1,291 |
| Pretax return on assets | 1.7540% | 985 |
| Return on Equity (ROE) | 14.5220% | 885 |
| Retained earnings to average equity (ytd only) | 14.5220% | 228 |
| Net charge-offs to loans | 0.4389% | 1,463 |
| Credit loss provision to net charge-offs | 130.2083% | 1,814 |
| Earnings coverage of net charge-offs (x) | 7.3540% | 2,810 |
| Efficiency ratio | 36.0507% | 6,800 |
| Assets per employee ($millions) | 6.3461% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 6,428 |
| Loan loss allowance to noncurrent loans | 72.9373% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 0.8622% | 3,959 |
| Noncurrent loans to loans | 0.9690% | 3,874 |
| Net loans and leases to total assets | 69.8917% | 1,990 |
| Net loans and leases to deposits | 80.5625% | 2,331 |
| Net loans and leases to core deposits | 84.9908% | 2,544 |
| Total domestic deposits to total assets | 86.7546% | 2,823 |
| Equity capital to assets | 9.6144% | 4,398 |
| Core capital (leverage) ratio | 10.0189% | 3,657 |
| Tier 1 risk-based capital ratio | 12.8959% | 5,194 |
| Total risk-based capital ratio | 13.5518% | 5,515 |
| Memoranda: | ||
| Average total assets | $44,164,000 | 6,241 |
| Average earning assets | $42,040,500 | 6,181 |
| Average equity | $4,076,500 | 6,382 |
| Average total loans | $29,161,250 | 5,859 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 4,437 |
| Cost of funding earning assets | 0.7315% | 1,830 |
| Net interest margin | 3.1792% | 5,013 |
| Noninterest income to average assets | 0.1724% | 6,179 |
| Noninterest expense to average assets | 1.1843% | 6,838 |
| Loan and lease loss provision to assets | 0.4084% | 751 |
| Net operating income to assets | 1.1253% | 1,836 |
| Return on assets (ROA) | 1.1253% | 1,955 |
| Pretax return on assets | 1.5972% | 1,381 |
| Return on Equity (ROE) | 12.3639% | 1,386 |
| Retained earnings to average equity (ytd only) | 12.3639% | 442 |
| Net charge-offs to loans | 0.2319% | 2,337 |
| Credit loss provision to net charge-offs | 272.7273% | 927 |
| Earnings coverage of net charge-offs (x) | 13.3939% | 1,904 |
| Efficiency ratio | 37.1266% | 6,832 |
| Assets per employee ($millions) | 6.2381% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 6,260 |
| Loan loss allowance to noncurrent loans | 62.5628% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.0946% | 3,543 |
| Noncurrent loans to loans | 1.3515% | 3,294 |
| Net loans and leases to total assets | 66.8697% | 2,437 |
| Net loans and leases to deposits | 74.4006% | 3,089 |
| Net loans and leases to core deposits | 77.3981% | 3,370 |
| Total domestic deposits to total assets | 89.8779% | 1,098 |
| Equity capital to assets | 9.4030% | 4,717 |
| Core capital (leverage) ratio | 9.4697% | 4,294 |
| Tier 1 risk-based capital ratio | 12.7274% | 5,339 |
| Total risk-based capital ratio | 13.4927% | 5,600 |
| Memoranda: | ||
| Average total assets | $44,077,670 | 6,284 |
| Average earning assets | $41,834,670 | 6,232 |
| Average equity | $4,011,670 | 6,447 |
| Average total loans | $28,458,670 | 5,914 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 4,705 |
| Cost of funding earning assets | 0.7440% | 1,895 |
| Net interest margin | 3.0903% | 5,297 |
| Noninterest income to average assets | 0.1536% | 6,336 |
| Noninterest expense to average assets | 1.1652% | 6,919 |
| Loan and lease loss provision to assets | 0.5420% | 490 |
| Net operating income to assets | 0.8762% | 2,772 |
| Return on assets (ROA) | 0.8762% | 2,920 |
| Pretax return on assets | 1.3730% | 1,953 |
| Return on Equity (ROE) | 9.7869% | 2,143 |
| Retained earnings to average equity (ytd only) | 9.7869% | 1,160 |
| Net charge-offs to loans | 0.1287% | 2,639 |
| Credit loss provision to net charge-offs | 666.6667% | 415 |
| Earnings coverage of net charge-offs (x) | 23.5556% | 1,101 |
| Efficiency ratio | 37.8299% | 6,906 |
| Assets per employee ($millions) | 6.3916% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 6,177 |
| Loan loss allowance to noncurrent loans | 47.3684% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 1.2248% | 3,523 |
| Noncurrent loans to loans | 1.9703% | 2,651 |
| Net loans and leases to total assets | 57.6496% | 3,824 |
| Net loans and leases to deposits | 63.7179% | 4,350 |
| Net loans and leases to core deposits | 66.1987% | 4,506 |
| Total domestic deposits to total assets | 90.4763% | 779 |
| Equity capital to assets | 8.9649% | 5,529 |
| Core capital (leverage) ratio | 8.9147% | 5,036 |
| Tier 1 risk-based capital ratio | 13.6986% | 4,722 |
| Total risk-based capital ratio | 14.5287% | 4,981 |
| Memoranda: | ||
| Average total assets | $44,283,000 | 6,335 |
| Average earning assets | $41,937,000 | 6,284 |
| Average equity | $3,964,500 | 6,528 |
| Average total loans | $27,963,500 | 5,989 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 3,792 |
| Cost of funding earning assets | 0.9627% | 1,566 |
| Net interest margin | 3.4414% | 4,733 |
| Noninterest income to average assets | 0.1661% | 6,203 |
| Noninterest expense to average assets | 1.6253% | 6,785 |
| Loan and lease loss provision to assets | 0.3322% | 2,042 |
| Net operating income to assets | 0.9301% | 2,648 |
| Return on assets (ROA) | 0.9301% | 2,896 |
| Pretax return on assets | 1.4402% | 1,895 |
| Return on Equity (ROE) | 8.5066% | 2,861 |
| Retained earnings to average equity (ytd only) | -15.4941% | 6,781 |
| Net charge-offs to loans | 0.5801% | 1,988 |
| Credit loss provision to net charge-offs | 85.3659% | 3,656 |
| Earnings coverage of net charge-offs (x) | 4.5549% | 3,331 |
| Efficiency ratio | 47.8352% | 6,719 |
| Assets per employee ($millions) | 6.2607% | 1,131 |
| Cash dividends to net income (ytd only)* | 282.1429% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6423% | 6,709 |
| Loan loss allowance to noncurrent loans | 36.0902% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 1.2938% | 3,491 |
| Noncurrent loans to loans | 1.7798% | 2,946 |
| Net loans and leases to total assets | 67.7673% | 2,220 |
| Net loans and leases to deposits | 75.5988% | 2,869 |
| Net loans and leases to core deposits | 78.6333% | 3,180 |
| Total domestic deposits to total assets | 89.6406% | 1,164 |
| Equity capital to assets | 8.9401% | 5,592 |
| Core capital (leverage) ratio | 8.8823% | 5,059 |
| Tier 1 risk-based capital ratio | 12.1041% | 5,715 |
| Total risk-based capital ratio | 12.6980% | 6,103 |
| Memoranda: | ||
| Average total assets | $42,146,800 | 6,424 |
| Average earning assets | $39,576,600 | 6,375 |
| Average equity | $4,608,200 | 6,412 |
| Average total loans | $28,270,600 | 6,029 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 3,962 |
| Cost of funding earning assets | 0.9959% | 1,583 |
| Net interest margin | 3.4244% | 4,948 |
| Noninterest income to average assets | 0.1821% | 6,216 |
| Noninterest expense to average assets | 1.2334% | 7,072 |
| Loan and lease loss provision to assets | 0.4473% | 1,405 |
| Net operating income to assets | 1.1631% | 1,858 |
| Return on assets (ROA) | 1.1631% | 2,052 |
| Pretax return on assets | 1.7095% | 1,241 |
| Return on Equity (ROE) | 10.1515% | 2,276 |
| Retained earnings to average equity (ytd only) | 10.1515% | 875 |
| Net charge-offs to loans | 0.5024% | 2,109 |
| Credit loss provision to net charge-offs | 133.3333% | 2,164 |
| Earnings coverage of net charge-offs (x) | 6.4284% | 2,792 |
| Efficiency ratio | 36.3808% | 7,069 |
| Assets per employee ($millions) | 6.2599% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 6,482 |
| Loan loss allowance to noncurrent loans | 65.3646% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9562% | 4,368 |
| Noncurrent loans to loans | 1.3173% | 3,835 |
| Net loans and leases to total assets | 65.9508% | 2,659 |
| Net loans and leases to deposits | 75.0682% | 3,134 |
| Net loans and leases to core deposits | 78.1371% | 3,439 |
| Total domestic deposits to total assets | 87.8546% | 2,125 |
| Equity capital to assets | 11.4060% | 2,847 |
| Core capital (leverage) ratio | 11.6672% | 1,860 |
| Tier 1 risk-based capital ratio | 15.9025% | 3,324 |
| Total risk-based capital ratio | 16.7022% | 3,522 |
| Memoranda: | ||
| Average total assets | $41,727,250 | 6,519 |
| Average earning assets | $39,090,750 | 6,461 |
| Average equity | $4,780,750 | 6,433 |
| Average total loans | $27,865,500 | 6,119 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3910% | 4,221 |
| Cost of funding earning assets | 1.0418% | 1,511 |
| Net interest margin | 3.3492% | 5,275 |
| Noninterest income to average assets | 0.1755% | 6,301 |
| Noninterest expense to average assets | 1.2284% | 7,135 |
| Loan and lease loss provision to assets | 0.6824% | 824 |
| Net operating income to assets | 0.8823% | 2,992 |
| Return on assets (ROA) | 0.8823% | 3,247 |
| Pretax return on assets | 1.3990% | 2,199 |
| Return on Equity (ROE) | 7.6885% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.6885% | 1,766 |
| Net charge-offs to loans | 0.7071% | 1,567 |
| Credit loss provision to net charge-offs | 144.3299% | 1,922 |
| Earnings coverage of net charge-offs (x) | 4.4021% | 3,099 |
| Efficiency ratio | 37.1134% | 7,107 |
| Assets per employee ($millions) | 5.9963% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 6,477 |
| Loan loss allowance to noncurrent loans | 61.0849% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 1.0935% | 4,192 |
| Noncurrent loans to loans | 1.4620% | 3,710 |
| Net loans and leases to total assets | 68.4757% | 2,205 |
| Net loans and leases to deposits | 77.8937% | 2,688 |
| Net loans and leases to core deposits | 81.2196% | 3,056 |
| Total domestic deposits to total assets | 87.9092% | 2,202 |
| Equity capital to assets | 11.4642% | 2,624 |
| Core capital (leverage) ratio | 11.4242% | 1,946 |
| Tier 1 risk-based capital ratio | 15.4877% | 3,449 |
| Total risk-based capital ratio | 16.3220% | 3,680 |
| Memoranda: | ||
| Average total assets | $41,030,000 | 6,589 |
| Average earning assets | $38,396,670 | 6,537 |
| Average equity | $4,708,330 | 6,481 |
| Average total loans | $27,437,330 | 6,182 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3148% | 4,682 |
| Cost of funding earning assets | 1.0708% | 1,549 |
| Net interest margin | 3.2441% | 5,645 |
| Noninterest income to average assets | 0.2170% | 6,063 |
| Noninterest expense to average assets | 1.2723% | 7,186 |
| Loan and lease loss provision to assets | 0.7890% | 629 |
| Net operating income to assets | 0.5424% | 4,635 |
| Return on assets (ROA) | 0.5424% | 4,846 |
| Pretax return on assets | 1.1736% | 3,013 |
| Return on Equity (ROE) | 4.7246% | 4,926 |
| Retained earnings to average equity (ytd only) | 4.7246% | 3,732 |
| Net charge-offs to loans | 0.7053% | 1,416 |
| Credit loss provision to net charge-offs | 170.2128% | 1,499 |
| Earnings coverage of net charge-offs (x) | 4.2340% | 2,627 |
| Efficiency ratio | 39.3293% | 7,117 |
| Assets per employee ($millions) | 6.0011% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 6,353 |
| Loan loss allowance to noncurrent loans | 64.6753% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 0.9998% | 4,496 |
| Noncurrent loans to loans | 1.5005% | 3,873 |
| Net loans and leases to total assets | 60.4861% | 3,562 |
| Net loans and leases to deposits | 68.7250% | 3,921 |
| Net loans and leases to core deposits | 71.6473% | 4,202 |
| Total domestic deposits to total assets | 88.0118% | 2,313 |
| Equity capital to assets | 11.1455% | 2,761 |
| Core capital (leverage) ratio | 11.2768% | 2,051 |
| Tier 1 risk-based capital ratio | 16.5764% | 2,874 |
| Total risk-based capital ratio | 17.4580% | 3,024 |
| Memoranda: | ||
| Average total assets | $40,558,000 | 6,666 |
| Average earning assets | $37,730,500 | 6,613 |
| Average equity | $4,656,500 | 6,530 |
| Average total loans | $26,655,500 | 6,271 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0023% | 2,868 |
| Cost of funding earning assets | 1.2096% | 1,968 |
| Net interest margin | 3.7928% | 3,859 |
| Noninterest income to average assets | 0.2417% | 5,811 |
| Noninterest expense to average assets | 1.8299% | 6,918 |
| Loan and lease loss provision to assets | 0.3453% | 2,934 |
| Net operating income to assets | 1.0464% | 2,017 |
| Return on assets (ROA) | 1.0464% | 2,161 |
| Pretax return on assets | 1.6892% | 1,009 |
| Return on Equity (ROE) | 8.8108% | 2,538 |
| Retained earnings to average equity (ytd only) | 7.2454% | 1,387 |
| Net charge-offs to loans | 0.3659% | 3,575 |
| Credit loss provision to net charge-offs | 130.0000% | 2,358 |
| Earnings coverage of net charge-offs (x) | 7.6600% | 2,295 |
| Efficiency ratio | 47.3540% | 6,973 |
| Assets per employee ($millions) | 5.5869% | 1,548 |
| Cash dividends to net income (ytd only)* | 17.7665% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7811% | 6,781 |
| Loan loss allowance to noncurrent loans | 49.4279% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 1.2223% | 4,191 |
| Noncurrent loans to loans | 1.5803% | 3,794 |
| Net loans and leases to total assets | 70.1570% | 2,004 |
| Net loans and leases to deposits | 80.2486% | 2,478 |
| Net loans and leases to core deposits | 84.5959% | 2,802 |
| Total domestic deposits to total assets | 87.4246% | 2,512 |
| Equity capital to assets | 11.8416% | 2,248 |
| Core capital (leverage) ratio | 11.9317% | 1,639 |
| Tier 1 risk-based capital ratio | 15.7402% | 3,195 |
| Total risk-based capital ratio | 16.4750% | 3,461 |
| Memoranda: | ||
| Average total assets | $37,651,800 | 6,749 |
| Average earning assets | $35,963,200 | 6,680 |
| Average equity | $4,471,800 | 6,606 |
| Average total loans | $27,330,200 | 6,274 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0375% | 2,901 |
| Cost of funding earning assets | 1.2249% | 2,161 |
| Net interest margin | 3.8126% | 3,809 |
| Noninterest income to average assets | 0.2467% | 5,856 |
| Noninterest expense to average assets | 1.4017% | 7,272 |
| Loan and lease loss provision to assets | 0.4648% | 2,129 |
| Net operating income to assets | 1.3695% | 1,219 |
| Return on assets (ROA) | 1.3695% | 1,306 |
| Pretax return on assets | 2.0417% | 578 |
| Return on Equity (ROE) | 11.5219% | 1,679 |
| Retained earnings to average equity (ytd only) | 9.4161% | 1,005 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8646% | 7,316 |
| Assets per employee ($millions) | 5.5061% | 1,594 |
| Cash dividends to net income (ytd only)* | 18.2767% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 5,857 |
| Loan loss allowance to noncurrent loans | 230.6569% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 5,935 |
| Noncurrent loans to loans | 0.4805% | 5,886 |
| Net loans and leases to total assets | 73.1573% | 1,477 |
| Net loans and leases to deposits | 83.9646% | 2,006 |
| Net loans and leases to core deposits | 88.5890% | 2,415 |
| Total domestic deposits to total assets | 87.1287% | 2,567 |
| Equity capital to assets | 11.9918% | 2,256 |
| Core capital (leverage) ratio | 12.0015% | 1,706 |
| Tier 1 risk-based capital ratio | 15.5615% | 3,351 |
| Total risk-based capital ratio | 16.6268% | 3,418 |
| Memoranda: | ||
| Average total assets | $37,287,750 | 6,818 |
| Average earning assets | $35,810,500 | 6,743 |
| Average equity | $4,432,000 | 6,669 |
| Average total loans | $27,249,500 | 6,340 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 3,291 |
| Cost of funding earning assets | 1.2450% | 2,287 |
| Net interest margin | 3.7294% | 4,119 |
| Noninterest income to average assets | 0.2495% | 5,863 |
| Noninterest expense to average assets | 1.4158% | 7,347 |
| Loan and lease loss provision to assets | 0.5425% | 1,793 |
| Net operating income to assets | 1.1988% | 1,575 |
| Return on assets (ROA) | 1.1988% | 1,655 |
| Pretax return on assets | 1.8823% | 740 |
| Return on Equity (ROE) | 10.1175% | 2,086 |
| Retained earnings to average equity (ytd only) | 6.9129% | 1,918 |
| Net charge-offs to loans | -0.0224% | 6,849 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8644% | 7,376 |
| Assets per employee ($millions) | 5.3576% | 1,703 |
| Cash dividends to net income (ytd only)* | 31.6742% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 6,127 |
| Loan loss allowance to noncurrent loans | 525.4545% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 6,487 |
| Noncurrent loans to loans | 0.2005% | 6,506 |
| Net loans and leases to total assets | 72.3622% | 1,715 |
| Net loans and leases to deposits | 82.9097% | 2,298 |
| Net loans and leases to core deposits | 87.5928% | 2,687 |
| Total domestic deposits to total assets | 87.2784% | 2,582 |
| Equity capital to assets | 11.8924% | 2,172 |
| Core capital (leverage) ratio | 11.9053% | 1,665 |
| Tier 1 risk-based capital ratio | 15.6627% | 3,150 |
| Total risk-based capital ratio | 16.6790% | 3,222 |
| Memoranda: | ||
| Average total assets | $36,869,330 | 6,889 |
| Average earning assets | $35,502,000 | 6,817 |
| Average equity | $4,368,670 | 6,724 |
| Average total loans | $26,828,330 | 6,425 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 3,706 |
| Cost of funding earning assets | 1.2840% | 2,281 |
| Net interest margin | 3.5907% | 4,611 |
| Noninterest income to average assets | 0.2407% | 5,977 |
| Noninterest expense to average assets | 1.3351% | 7,439 |
| Loan and lease loss provision to assets | 0.5472% | 1,582 |
| Net operating income to assets | 1.1271% | 1,747 |
| Return on assets (ROA) | 1.1271% | 1,792 |
| Pretax return on assets | 1.8166% | 789 |
| Return on Equity (ROE) | 9.5304% | 2,270 |
| Retained earnings to average equity (ytd only) | 3.0534% | 4,332 |
| Net charge-offs to loans | 0.0302% | 4,676 |
| Credit loss provision to net charge-offs | 2,500.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 300 |
| Efficiency ratio | 36.0947% | 7,443 |
| Assets per employee ($millions) | 5.2677% | 1,801 |
| Cash dividends to net income (ytd only)* | 67.9612% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 6,659 |
| Loan loss allowance to noncurrent loans | 272.0930% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 6,333 |
| Noncurrent loans to loans | 0.3361% | 6,321 |
| Net loans and leases to total assets | 68.7503% | 2,393 |
| Net loans and leases to deposits | 78.6712% | 2,946 |
| Net loans and leases to core deposits | 83.1780% | 3,284 |
| Total domestic deposits to total assets | 87.3895% | 2,715 |
| Equity capital to assets | 11.7671% | 2,065 |
| Core capital (leverage) ratio | 11.5417% | 1,823 |
| Tier 1 risk-based capital ratio | 15.9119% | 2,944 |
| Total risk-based capital ratio | 16.7706% | 3,102 |
| Memoranda: | ||
| Average total assets | $36,552,500 | 6,946 |
| Average earning assets | $35,202,000 | 6,871 |
| Average equity | $4,323,000 | 6,775 |
| Average total loans | $26,529,000 | 6,498 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3915% | 2,709 |
| Cost of funding earning assets | 1.5286% | 2,487 |
| Net interest margin | 3.8629% | 3,676 |
| Noninterest income to average assets | 0.2591% | 5,947 |
| Noninterest expense to average assets | 1.9359% | 7,109 |
| Loan and lease loss provision to assets | 0.2277% | 4,999 |
| Net operating income to assets | 1.1786% | 1,466 |
| Return on assets (ROA) | 1.1786% | 1,539 |
| Pretax return on assets | 1.8077% | 746 |
| Return on Equity (ROE) | 9.8370% | 1,993 |
| Retained earnings to average equity (ytd only) | 7.3421% | 1,191 |
| Net charge-offs to loans | 0.4559% | 3,794 |
| Credit loss provision to net charge-offs | 67.2269% | 5,925 |
| Earnings coverage of net charge-offs (x) | 6.0084% | 2,466 |
| Efficiency ratio | 48.7455% | 7,217 |
| Assets per employee ($millions) | 5.1759% | 1,896 |
| Cash dividends to net income (ytd only)* | 25.3623% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 7,166 |
| Loan loss allowance to noncurrent loans | 261.9718% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 6,513 |
| Noncurrent loans to loans | 0.2584% | 6,547 |
| Net loans and leases to total assets | 75.3140% | 1,411 |
| Net loans and leases to deposits | 86.2939% | 2,043 |
| Net loans and leases to core deposits | 92.9046% | 2,397 |
| Total domestic deposits to total assets | 87.2761% | 2,682 |
| Equity capital to assets | 11.8876% | 1,979 |
| Core capital (leverage) ratio | 11.7073% | 1,718 |
| Tier 1 risk-based capital ratio | 15.1942% | 3,153 |
| Total risk-based capital ratio | 15.8510% | 3,440 |
| Memoranda: | ||
| Average total assets | $35,126,600 | 7,039 |
| Average earning assets | $33,757,000 | 6,954 |
| Average equity | $4,208,600 | 6,913 |
| Average total loans | $26,101,200 | 6,606 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3908% | 2,926 |
| Cost of funding earning assets | 1.5516% | 2,667 |
| Net interest margin | 3.8392% | 3,800 |
| Noninterest income to average assets | 0.2716% | 5,939 |
| Noninterest expense to average assets | 1.4614% | 7,568 |
| Loan and lease loss provision to assets | 0.3061% | 4,127 |
| Net operating income to assets | 1.6145% | 727 |
| Return on assets (ROA) | 1.6145% | 797 |
| Pretax return on assets | 2.1960% | 414 |
| Return on Equity (ROE) | 13.4477% | 1,150 |
| Retained earnings to average equity (ytd only) | 10.1018% | 768 |
| Net charge-offs to loans | 0.6315% | 2,854 |
| Credit loss provision to net charge-offs | 65.5738% | 5,547 |
| Earnings coverage of net charge-offs (x) | 5.3608% | 2,765 |
| Efficiency ratio | 36.8726% | 7,627 |
| Assets per employee ($millions) | 5.1747% | 1,968 |
| Cash dividends to net income (ytd only)* | 24.8823% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6544% | 7,276 |
| Loan loss allowance to noncurrent loans | 91.0448% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 5,829 |
| Noncurrent loans to loans | 0.7188% | 5,776 |
| Net loans and leases to total assets | 76.6971% | 1,279 |
| Net loans and leases to deposits | 88.0403% | 2,003 |
| Net loans and leases to core deposits | 92.7272% | 2,696 |
| Total domestic deposits to total assets | 87.1159% | 2,464 |
| Equity capital to assets | 11.9234% | 2,204 |
| Core capital (leverage) ratio | 11.9477% | 1,702 |
| Tier 1 risk-based capital ratio | 15.2195% | 3,142 |
| Total risk-based capital ratio | 15.8657% | 3,424 |
| Memoranda: | ||
| Average total assets | $34,850,500 | 7,136 |
| Average earning assets | $33,513,000 | 7,043 |
| Average equity | $4,184,000 | 7,022 |
| Average total loans | $25,758,250 | 6,716 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3036% | 3,457 |
| Cost of funding earning assets | 1.5681% | 2,850 |
| Net interest margin | 3.7355% | 4,210 |
| Noninterest income to average assets | 0.2268% | 6,292 |
| Noninterest expense to average assets | 1.3782% | 7,678 |
| Loan and lease loss provision to assets | 0.1163% | 5,736 |
| Net operating income to assets | 1.7329% | 548 |
| Return on assets (ROA) | 1.7329% | 599 |
| Pretax return on assets | 2.3202% | 321 |
| Return on Equity (ROE) | 14.3996% | 959 |
| Retained earnings to average equity (ytd only) | 14.3996% | 289 |
| Net charge-offs to loans | 0.9431% | 1,950 |
| Credit loss provision to net charge-offs | 16.9492% | 5,881 |
| Earnings coverage of net charge-offs (x) | 3.5508% | 3,276 |
| Efficiency ratio | 36.1280% | 7,698 |
| Assets per employee ($millions) | 5.0174% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4814% | 7,527 |
| Loan loss allowance to noncurrent loans | 40.1899% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 5,150 |
| Noncurrent loans to loans | 1.1979% | 4,966 |
| Net loans and leases to total assets | 74.7480% | 1,753 |
| Net loans and leases to deposits | 85.8587% | 2,526 |
| Net loans and leases to core deposits | 90.5651% | 3,180 |
| Total domestic deposits to total assets | 87.0594% | 2,499 |
| Equity capital to assets | 12.2345% | 1,957 |
| Core capital (leverage) ratio | 12.3390% | 1,478 |
| Tier 1 risk-based capital ratio | 15.6343% | 2,832 |
| Total risk-based capital ratio | 16.0971% | 3,213 |
| Memoranda: | ||
| Average total assets | $34,393,000 | 7,198 |
| Average earning assets | $33,034,000 | 7,112 |
| Average equity | $4,139,000 | 7,061 |
| Average total loans | $25,022,670 | 6,805 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2153% | 3,940 |
| Cost of funding earning assets | 1.5990% | 2,965 |
| Net interest margin | 3.6163% | 4,648 |
| Noninterest income to average assets | 0.1763% | 6,697 |
| Noninterest expense to average assets | 1.3283% | 7,795 |
| Loan and lease loss provision to assets | 0.2351% | 4,161 |
| Net operating income to assets | 1.4694% | 947 |
| Return on assets (ROA) | 1.4694% | 1,015 |
| Pretax return on assets | 2.0689% | 536 |
| Return on Equity (ROE) | 12.3153% | 1,415 |
| Retained earnings to average equity (ytd only) | 12.3153% | 705 |
| Net charge-offs to loans | 1.9224% | 896 |
| Credit loss provision to net charge-offs | 17.0940% | 4,976 |
| Earnings coverage of net charge-offs (x) | 1.6752% | 3,730 |
| Efficiency ratio | 36.5696% | 7,787 |
| Assets per employee ($millions) | 4.9853% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5428% | 7,556 |
| Loan loss allowance to noncurrent loans | 28.8288% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 1.3726% | 4,455 |
| Noncurrent loans to loans | 1.8830% | 3,948 |
| Net loans and leases to total assets | 67.2035% | 3,576 |
| Net loans and leases to deposits | 77.0358% | 4,216 |
| Net loans and leases to core deposits | 78.5399% | 4,957 |
| Total domestic deposits to total assets | 87.2367% | 2,514 |
| Equity capital to assets | 11.8090% | 2,159 |
| Core capital (leverage) ratio | 11.8062% | 1,749 |
| Tier 1 risk-based capital ratio | 16.1332% | 2,595 |
| Total risk-based capital ratio | 16.6347% | 2,878 |
| Memoranda: | ||
| Average total assets | $34,028,500 | 7,305 |
| Average earning assets | $32,519,500 | 7,219 |
| Average equity | $4,060,000 | 7,162 |
| Average total loans | $24,344,000 | 6,919 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7132% | 3,040 |
| Cost of funding earning assets | 1.9701% | 3,101 |
| Net interest margin | 3.7432% | 3,939 |
| Noninterest income to average assets | 0.2194% | 6,544 |
| Noninterest expense to average assets | 2.0016% | 7,370 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1790% | 1,303 |
| Return on assets (ROA) | 1.1790% | 1,346 |
| Pretax return on assets | 1.8066% | 629 |
| Return on Equity (ROE) | 9.8735% | 1,725 |
| Retained earnings to average equity (ytd only) | 6.3017% | 1,227 |
| Net charge-offs to loans | 0.0128% | 7,041 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 197.6667% | 142 |
| Efficiency ratio | 52.5600% | 7,345 |
| Assets per employee ($millions) | 4.7371% | 2,560 |
| Cash dividends to net income (ytd only)* | 36.1757% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 6,829 |
| Loan loss allowance to noncurrent loans | 48.2833% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.5109% | 4,115 |
| Noncurrent loans to loans | 1.8560% | 3,856 |
| Net loans and leases to total assets | 75.0392% | 2,019 |
| Net loans and leases to deposits | 87.4192% | 2,656 |
| Net loans and leases to core deposits | 109.0499% | 2,996 |
| Total domestic deposits to total assets | 85.8384% | 3,088 |
| Equity capital to assets | 12.0597% | 1,999 |
| Core capital (leverage) ratio | 11.9533% | 1,683 |
| Tier 1 risk-based capital ratio | 15.1606% | 2,862 |
| Total risk-based capital ratio | 16.0149% | 3,022 |
| Memoranda: | ||
| Average total assets | $32,824,200 | 7,370 |
| Average earning assets | $31,470,800 | 7,291 |
| Average equity | $3,919,600 | 7,321 |
| Average total loans | $23,349,000 | 7,007 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6917% | 3,383 |
| Cost of funding earning assets | 2.0300% | 3,218 |
| Net interest margin | 3.6617% | 4,230 |
| Noninterest income to average assets | 0.2077% | 6,739 |
| Noninterest expense to average assets | 1.4620% | 7,902 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6941% | 569 |
| Return on assets (ROA) | 1.6941% | 597 |
| Pretax return on assets | 2.2642% | 306 |
| Return on Equity (ROE) | 14.2227% | 891 |
| Retained earnings to average equity (ytd only) | 11.8295% | 364 |
| Net charge-offs to loans | -0.0117% | 7,704 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2350% | 7,938 |
| Assets per employee ($millions) | 5.7097% | 1,427 |
| Cash dividends to net income (ytd only)* | 16.8268% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 6,727 |
| Loan loss allowance to noncurrent loans | 153.3333% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 6,107 |
| Noncurrent loans to loans | 0.5924% | 6,122 |
| Net loans and leases to total assets | 73.2354% | 2,728 |
| Net loans and leases to deposits | 83.8648% | 3,673 |
| Net loans and leases to core deposits | 105.9144% | 3,710 |
| Total domestic deposits to total assets | 87.3256% | 1,997 |
| Equity capital to assets | 11.9651% | 2,261 |
| Core capital (leverage) ratio | 11.9492% | 1,824 |
| Tier 1 risk-based capital ratio | 15.4994% | 2,826 |
| Total risk-based capital ratio | 16.3706% | 2,927 |
| Memoranda: | ||
| Average total assets | $32,740,250 | 7,434 |
| Average earning assets | $31,460,250 | 7,352 |
| Average equity | $3,899,750 | 7,386 |
| Average total loans | $22,909,250 | 7,097 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6992% | 3,540 |
| Cost of funding earning assets | 2.0977% | 3,279 |
| Net interest margin | 3.6015% | 4,353 |
| Noninterest income to average assets | 0.2110% | 6,793 |
| Noninterest expense to average assets | 1.3898% | 8,015 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7001% | 567 |
| Return on assets (ROA) | 1.7001% | 618 |
| Pretax return on assets | 2.2833% | 304 |
| Return on Equity (ROE) | 14.2957% | 949 |
| Retained earnings to average equity (ytd only) | 10.6435% | 621 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8378% | 8,049 |
| Assets per employee ($millions) | 5.6203% | 1,482 |
| Cash dividends to net income (ytd only)* | 25.5474% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 6,199 |
| Loan loss allowance to noncurrent loans | 150.9934% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 6,041 |
| Noncurrent loans to loans | 0.6656% | 5,923 |
| Net loans and leases to total assets | 66.6004% | 4,440 |
| Net loans and leases to deposits | 76.0523% | 5,168 |
| Net loans and leases to core deposits | 94.6001% | 5,050 |
| Total domestic deposits to total assets | 87.5719% | 1,984 |
| Equity capital to assets | 11.7194% | 2,376 |
| Core capital (leverage) ratio | 12.0064% | 1,828 |
| Tier 1 risk-based capital ratio | 16.3115% | 2,515 |
| Total risk-based capital ratio | 17.2531% | 2,565 |
| Memoranda: | ||
| Average total assets | $32,234,330 | 7,523 |
| Average earning assets | $30,987,000 | 7,438 |
| Average equity | $3,833,330 | 7,464 |
| Average total loans | $22,106,000 | 7,205 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9002% | 2,794 |
| Cost of funding earning assets | 2.1976% | 3,176 |
| Net interest margin | 3.7026% | 3,881 |
| Noninterest income to average assets | 0.1778% | 7,029 |
| Noninterest expense to average assets | 1.4608% | 8,012 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6513% | 711 |
| Return on assets (ROA) | 1.6513% | 782 |
| Pretax return on assets | 2.2483% | 397 |
| Return on Equity (ROE) | 13.7785% | 1,209 |
| Retained earnings to average equity (ytd only) | 6.3593% | 2,473 |
| Net charge-offs to loans | 0.2200% | 3,319 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,645 |
| Efficiency ratio | 39.3836% | 8,060 |
| Assets per employee ($millions) | 5.3568% | 1,689 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 6,214 |
| Loan loss allowance to noncurrent loans | 327.2727% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 6,573 |
| Noncurrent loans to loans | 0.3043% | 6,673 |
| Net loans and leases to total assets | 66.8181% | 4,382 |
| Net loans and leases to deposits | 76.5633% | 5,139 |
| Net loans and leases to core deposits | 94.5538% | 5,105 |
| Total domestic deposits to total assets | 87.2717% | 2,084 |
| Equity capital to assets | 11.8416% | 2,354 |
| Core capital (leverage) ratio | 12.2881% | 1,768 |
| Tier 1 risk-based capital ratio | 16.4165% | 2,546 |
| Total risk-based capital ratio | 17.3482% | 2,594 |
| Memoranda: | ||
| Average total assets | $31,490,500 | 7,590 |
| Average earning assets | $30,033,000 | 7,513 |
| Average equity | $3,774,000 | 7,531 |
| Average total loans | $21,815,500 | 7,258 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5029% | 2,948 |
| Cost of funding earning assets | 2.8052% | 2,684 |
| Net interest margin | 3.6976% | 4,481 |
| Noninterest income to average assets | 0.2584% | 6,600 |
| Noninterest expense to average assets | 1.9893% | 7,460 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1834% | 1,832 |
| Return on assets (ROA) | 1.1834% | 1,761 |
| Pretax return on assets | 1.8056% | 932 |
| Return on Equity (ROE) | 9.6122% | 2,394 |
| Retained earnings to average equity (ytd only) | 7.6787% | 933 |
| Net charge-offs to loans | 0.1360% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 18.9643% | 1,672 |
| Efficiency ratio | 52.4194% | 7,445 |
| Assets per employee ($millions) | 5.1400% | 1,789 |
| Cash dividends to net income (ytd only)* | 20.1149% | 4,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 5,720 |
| Loan loss allowance to noncurrent loans | 475.0000% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 6,501 |
| Noncurrent loans to loans | 0.2188% | 6,735 |
| Net loans and leases to total assets | 70.3988% | 3,925 |
| Net loans and leases to deposits | 83.3468% | 4,521 |
| Net loans and leases to core deposits | 102.4781% | 4,556 |
| Total domestic deposits to total assets | 84.4650% | 3,096 |
| Equity capital to assets | 12.1336% | 2,204 |
| Core capital (leverage) ratio | 12.3175% | 1,826 |
| Tier 1 risk-based capital ratio | 16.0793% | 2,634 |
| Total risk-based capital ratio | 17.0580% | 2,680 |
| Memoranda: | ||
| Average total assets | $29,407,800 | 7,673 |
| Average earning assets | $28,126,000 | 7,614 |
| Average equity | $3,620,400 | 7,642 |
| Average total loans | $20,590,200 | 7,293 |