Home > Canton State Bank > Performance and Condition Ratios
Canton State Bank, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 3,586 |
| Cost of funding earning assets | 0.5307% | 3,044 |
| Net interest margin | 3.2636% | 3,302 |
| Noninterest income to average assets | 0.1000% | 4,761 |
| Noninterest expense to average assets | 2.9172% | 1,658 |
| Loan and lease loss provision to assets | 0.0321% | 3,932 |
| Net operating income to assets | 0.2249% | 4,554 |
| Return on assets (ROA) | 0.1000% | 4,728 |
| Pretax return on assets | 0.1000% | 4,727 |
| Return on Equity (ROE) | 1.0990% | 4,689 |
| Retained earnings to average equity (ytd only) | 1.0990% | 4,223 |
| Net charge-offs to loans | -0.0183% | 4,388 |
| Credit loss provision to net charge-offs | -300.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9010% | 316 |
| Assets per employee ($millions) | 3.8987% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,473 |
| Loan loss allowance to noncurrent loans | 61.8227% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 0.9467% | 1,192 |
| Noncurrent loans to loans | 1.9980% | 606 |
| Net loans and leases to total assets | 46.7962% | 4,275 |
| Net loans and leases to deposits | 51.8191% | 4,416 |
| Net loans and leases to core deposits | 52.5009% | 4,506 |
| Total domestic deposits to total assets | 90.3069% | 327 |
| Equity capital to assets | 7.8487% | 4,763 |
| Core capital (leverage) ratio | 8.7267% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5144% | 969 |
| Memoranda: | ||
| Average total assets | $37,341,000 | 4,826 |
| Average earning assets | $35,175,000 | 4,803 |
| Average equity | $3,397,000 | 4,915 |
| Average total loans | $21,815,500 | 4,713 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 3,195 |
| Cost of funding earning assets | 0.5641% | 3,159 |
| Net interest margin | 3.4865% | 2,834 |
| Noninterest income to average assets | 0.1071% | 4,754 |
| Noninterest expense to average assets | 3.0936% | 1,371 |
| Loan and lease loss provision to assets | 0.0338% | 3,841 |
| Net operating income to assets | 0.2536% | 4,505 |
| Return on assets (ROA) | 0.0563% | 4,752 |
| Pretax return on assets | 0.0563% | 4,755 |
| Return on Equity (ROE) | 0.5870% | 4,739 |
| Retained earnings to average equity (ytd only) | 0.5870% | 4,191 |
| Net charge-offs to loans | 0.0179% | 2,368 |
| Credit loss provision to net charge-offs | 300.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,551 |
| Efficiency ratio | 91.5000% | 355 |
| Assets per employee ($millions) | 3.3941% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 3,181 |
| Loan loss allowance to noncurrent loans | 114.6226% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 2,100 |
| Noncurrent loans to loans | 0.9419% | 1,645 |
| Net loans and leases to total assets | 59.6357% | 3,366 |
| Net loans and leases to deposits | 67.0471% | 3,641 |
| Net loans and leases to core deposits | 67.0471% | 3,920 |
| Total domestic deposits to total assets | 88.9460% | 763 |
| Equity capital to assets | 8.9942% | 4,094 |
| Core capital (leverage) ratio | 9.9522% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3897% | 1,161 |
| Memoranda: | ||
| Average total assets | $35,492,667 | 4,874 |
| Average earning assets | $33,328,333 | 4,854 |
| Average equity | $3,407,333 | 4,945 |
| Average total loans | $22,314,000 | 4,725 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2563% | 3,045 |
| Cost of funding earning assets | 0.5905% | 3,484 |
| Net interest margin | 3.6658% | 2,449 |
| Noninterest income to average assets | 0.1273% | 4,727 |
| Noninterest expense to average assets | 3.1355% | 1,557 |
| Loan and lease loss provision to assets | 0.0347% | 3,333 |
| Net operating income to assets | 0.4050% | 4,124 |
| Return on assets (ROA) | 0.0694% | 4,687 |
| Pretax return on assets | 0.0694% | 4,688 |
| Return on Equity (ROE) | 0.6993% | 4,668 |
| Retained earnings to average equity (ytd only) | 0.6993% | 3,820 |
| Net charge-offs to loans | -0.0180% | 4,301 |
| Credit loss provision to net charge-offs | -300.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7023% | 596 |
| Assets per employee ($millions) | 3.0569% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 3,261 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6424% | 2,077 |
| Noncurrent loans to loans | 0.9690% | 1,694 |
| Net loans and leases to total assets | 65.5653% | 2,868 |
| Net loans and leases to deposits | 74.6951% | 3,200 |
| Net loans and leases to core deposits | 74.6951% | 3,589 |
| Total domestic deposits to total assets | 87.7773% | 1,196 |
| Equity capital to assets | 9.9655% | 3,818 |
| Core capital (leverage) ratio | 10.2820% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,571,500 | 4,915 |
| Average earning assets | $32,516,500 | 4,898 |
| Average equity | $3,432,000 | 4,988 |
| Average total loans | $22,217,000 | 4,760 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 3,436 |
| Cost of funding earning assets | 0.5807% | 3,716 |
| Net interest margin | 3.7556% | 2,649 |
| Noninterest income to average assets | 0.1828% | 4,572 |
| Noninterest expense to average assets | 3.2849% | 1,330 |
| Loan and lease loss provision to assets | 0.0265% | 3,482 |
| Net operating income to assets | 0.4086% | 4,579 |
| Return on assets (ROA) | 0.4895% | 4,476 |
| Pretax return on assets | 0.5013% | 4,577 |
| Return on Equity (ROE) | 4.7803% | 4,275 |
| Retained earnings to average equity (ytd only) | 2.6205% | 3,723 |
| Net charge-offs to loans | -0.0770% | 4,912 |
| Credit loss provision to net charge-offs | -56.2500% | 4,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0632% | 435 |
| Assets per employee ($millions) | 3.2288% | 4,685 |
| Cash dividends to net income (ytd only)* | 45.1807% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,064 |
| Loan loss allowance to noncurrent loans | 100.4202% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 1,917 |
| Noncurrent loans to loans | 1.0748% | 1,407 |
| Net loans and leases to total assets | 61.6747% | 3,432 |
| Net loans and leases to deposits | 77.8319% | 3,028 |
| Net loans and leases to core deposits | 77.8319% | 3,456 |
| Total domestic deposits to total assets | 79.2409% | 4,138 |
| Equity capital to assets | 9.8910% | 4,019 |
| Core capital (leverage) ratio | 8.5886% | 4,792 |
| Tier 1 risk-based capital ratio | 13.7318% | 3,397 |
| Total risk-based capital ratio | 14.7774% | 3,407 |
| Memoranda: | ||
| Average total assets | $33,913,000 | 4,978 |
| Average earning assets | $32,031,800 | 4,962 |
| Average equity | $3,472,600 | 5,039 |
| Average total loans | $20,781,400 | 4,846 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 3,719 |
| Cost of funding earning assets | 0.5793% | 3,777 |
| Net interest margin | 3.7002% | 2,920 |
| Noninterest income to average assets | 0.1870% | 4,600 |
| Noninterest expense to average assets | 3.2346% | 1,399 |
| Loan and lease loss provision to assets | 0.0358% | 3,175 |
| Net operating income to assets | 0.3979% | 4,731 |
| Return on assets (ROA) | 0.4536% | 4,653 |
| Pretax return on assets | 0.4536% | 4,749 |
| Return on Equity (ROE) | 4.3899% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.3899% | 3,203 |
| Net charge-offs to loans | -0.1109% | 5,009 |
| Credit loss provision to net charge-offs | -52.9412% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1779% | 387 |
| Assets per employee ($millions) | 3.2210% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 3,013 |
| Loan loss allowance to noncurrent loans | 113.7441% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 2,217 |
| Noncurrent loans to loans | 0.9696% | 1,651 |
| Net loans and leases to total assets | 60.7434% | 3,618 |
| Net loans and leases to deposits | 70.0153% | 3,773 |
| Net loans and leases to core deposits | 70.0153% | 4,057 |
| Total domestic deposits to total assets | 86.7574% | 1,647 |
| Equity capital to assets | 10.0279% | 3,990 |
| Core capital (leverage) ratio | 8.9913% | 4,645 |
| Tier 1 risk-based capital ratio | 15.3369% | 2,692 |
| Total risk-based capital ratio | 16.5130% | 2,666 |
| Memoranda: | ||
| Average total assets | $33,512,000 | 5,059 |
| Average earning assets | $31,529,250 | 5,046 |
| Average equity | $3,462,500 | 5,113 |
| Average total loans | $20,440,750 | 4,926 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 3,891 |
| Cost of funding earning assets | 0.5881% | 3,714 |
| Net interest margin | 3.6253% | 3,176 |
| Noninterest income to average assets | 0.1764% | 4,689 |
| Noninterest expense to average assets | 3.3706% | 1,154 |
| Loan and lease loss provision to assets | 0.0365% | 3,084 |
| Net operating income to assets | 0.1825% | 5,011 |
| Return on assets (ROA) | 0.1947% | 5,010 |
| Pretax return on assets | 0.1947% | 5,029 |
| Return on Equity (ROE) | 1.8646% | 4,959 |
| Retained earnings to average equity (ytd only) | 1.8646% | 4,156 |
| Net charge-offs to loans | -0.0100% | 4,328 |
| Credit loss provision to net charge-offs | -600.0000% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8983% | 237 |
| Assets per employee ($millions) | 2.9930% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 3,107 |
| Loan loss allowance to noncurrent loans | 195.5752% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 3,163 |
| Noncurrent loans to loans | 0.5592% | 2,591 |
| Net loans and leases to total assets | 60.7083% | 3,675 |
| Net loans and leases to deposits | 70.6180% | 3,792 |
| Net loans and leases to core deposits | 70.6180% | 4,083 |
| Total domestic deposits to total assets | 85.9673% | 2,050 |
| Equity capital to assets | 10.5823% | 3,449 |
| Core capital (leverage) ratio | 9.5787% | 4,069 |
| Tier 1 risk-based capital ratio | 17.6491% | 1,893 |
| Total risk-based capital ratio | 18.8986% | 1,847 |
| Memoranda: | ||
| Average total assets | $32,872,330 | 5,113 |
| Average earning assets | $30,949,000 | 5,087 |
| Average equity | $3,432,330 | 5,156 |
| Average total loans | $20,000,330 | 4,981 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 3,797 |
| Cost of funding earning assets | 0.6070% | 3,534 |
| Net interest margin | 3.6162% | 3,200 |
| Noninterest income to average assets | 0.1827% | 4,659 |
| Noninterest expense to average assets | 3.2880% | 1,314 |
| Loan and lease loss provision to assets | 0.0365% | 2,888 |
| Net operating income to assets | 0.2679% | 4,937 |
| Return on assets (ROA) | 0.2923% | 4,912 |
| Pretax return on assets | 0.2923% | 4,969 |
| Return on Equity (ROE) | 2.8181% | 4,829 |
| Retained earnings to average equity (ytd only) | 2.8181% | 3,811 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5254% | 340 |
| Assets per employee ($millions) | 2.7341% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 3,075 |
| Loan loss allowance to noncurrent loans | 293.2432% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 3,724 |
| Noncurrent loans to loans | 0.3782% | 3,231 |
| Net loans and leases to total assets | 58.9716% | 3,786 |
| Net loans and leases to deposits | 68.4400% | 3,890 |
| Net loans and leases to core deposits | 68.4400% | 4,158 |
| Total domestic deposits to total assets | 86.1654% | 2,201 |
| Equity capital to assets | 10.4788% | 3,363 |
| Core capital (leverage) ratio | 9.4859% | 4,146 |
| Tier 1 risk-based capital ratio | 18.6522% | 1,618 |
| Total risk-based capital ratio | 19.8981% | 1,583 |
| Memoranda: | ||
| Average total assets | $32,847,000 | 5,168 |
| Average earning assets | $30,971,500 | 5,138 |
| Average equity | $3,406,500 | 5,207 |
| Average total loans | $19,896,500 | 5,042 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0843% | 3,787 |
| Cost of funding earning assets | 0.5839% | 2,829 |
| Net interest margin | 3.5004% | 3,702 |
| Noninterest income to average assets | 0.1820% | 4,816 |
| Noninterest expense to average assets | 2.9724% | 2,127 |
| Loan and lease loss provision to assets | 0.0698% | 2,741 |
| Net operating income to assets | 0.4125% | 4,839 |
| Return on assets (ROA) | 0.3518% | 4,939 |
| Pretax return on assets | 0.3518% | 4,998 |
| Return on Equity (ROE) | 3.4600% | 4,828 |
| Retained earnings to average equity (ytd only) | 2.5652% | 4,117 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0404% | 525 |
| Assets per employee ($millions) | 2.9895% | 4,998 |
| Cash dividends to net income (ytd only)* | 25.8621% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 3,335 |
| Loan loss allowance to noncurrent loans | 227.6596% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 3,440 |
| Noncurrent loans to loans | 0.4647% | 2,883 |
| Net loans and leases to total assets | 60.8606% | 3,682 |
| Net loans and leases to deposits | 72.7359% | 3,605 |
| Net loans and leases to core deposits | 72.7359% | 3,939 |
| Total domestic deposits to total assets | 83.6734% | 3,095 |
| Equity capital to assets | 10.2630% | 3,417 |
| Core capital (leverage) ratio | 9.1973% | 4,462 |
| Tier 1 risk-based capital ratio | 16.8989% | 2,101 |
| Total risk-based capital ratio | 18.1064% | 2,066 |
| Memoranda: | ||
| Average total assets | $32,969,800 | 5,205 |
| Average earning assets | $30,825,400 | 5,186 |
| Average equity | $3,352,600 | 5,253 |
| Average total loans | $19,561,000 | 5,084 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0035% | 3,919 |
| Cost of funding earning assets | 0.5726% | 2,684 |
| Net interest margin | 3.4310% | 3,919 |
| Noninterest income to average assets | 0.1980% | 4,790 |
| Noninterest expense to average assets | 2.9704% | 2,110 |
| Loan and lease loss provision to assets | 0.0727% | 2,500 |
| Net operating income to assets | 0.3516% | 5,029 |
| Return on assets (ROA) | 0.3475% | 5,029 |
| Pretax return on assets | 0.3475% | 5,092 |
| Return on Equity (ROE) | 3.4258% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.4258% | 4,050 |
| Net charge-offs to loans | -0.0206% | 4,637 |
| Credit loss provision to net charge-offs | -600.0000% | 4,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5000% | 430 |
| Assets per employee ($millions) | 3.2776% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,257 |
| Loan loss allowance to noncurrent loans | 251.1905% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 3,356 |
| Noncurrent loans to loans | 0.4332% | 3,105 |
| Net loans and leases to total assets | 58.5123% | 3,985 |
| Net loans and leases to deposits | 67.7285% | 4,080 |
| Net loans and leases to core deposits | 67.7285% | 4,305 |
| Total domestic deposits to total assets | 86.3925% | 2,019 |
| Equity capital to assets | 10.1873% | 3,464 |
| Core capital (leverage) ratio | 8.9588% | 4,739 |
| Tier 1 risk-based capital ratio | 17.3976% | 1,965 |
| Total risk-based capital ratio | 18.6249% | 1,924 |
| Memoranda: | ||
| Average total assets | $32,991,000 | 5,275 |
| Average earning assets | $30,739,000 | 5,255 |
| Average equity | $3,347,000 | 5,322 |
| Average total loans | $19,394,250 | 5,149 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 3,944 |
| Cost of funding earning assets | 0.5661% | 2,466 |
| Net interest margin | 3.3770% | 4,029 |
| Noninterest income to average assets | 0.1996% | 4,821 |
| Noninterest expense to average assets | 2.8552% | 2,482 |
| Loan and lease loss provision to assets | 0.0726% | 2,434 |
| Net operating income to assets | 0.4113% | 4,936 |
| Return on assets (ROA) | 0.4113% | 4,940 |
| Pretax return on assets | 0.4113% | 5,032 |
| Return on Equity (ROE) | 4.0601% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.0601% | 3,581 |
| Net charge-offs to loans | -0.0206% | 4,584 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5072% | 595 |
| Assets per employee ($millions) | 3.3588% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,682 |
| Loan loss allowance to noncurrent loans | 221.7391% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 3,181 |
| Noncurrent loans to loans | 0.4624% | 3,049 |
| Net loans and leases to total assets | 58.6340% | 3,937 |
| Net loans and leases to deposits | 67.6491% | 4,035 |
| Net loans and leases to core deposits | 67.6491% | 4,277 |
| Total domestic deposits to total assets | 86.6738% | 1,984 |
| Equity capital to assets | 10.0274% | 3,596 |
| Core capital (leverage) ratio | 9.4020% | 4,244 |
| Tier 1 risk-based capital ratio | 16.2859% | 2,340 |
| Total risk-based capital ratio | 17.3773% | 2,330 |
| Memoranda: | ||
| Average total assets | $33,062,670 | 5,338 |
| Average earning assets | $30,737,000 | 5,321 |
| Average equity | $3,349,670 | 5,381 |
| Average total loans | $19,396,000 | 5,211 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 3,966 |
| Cost of funding earning assets | 0.5648% | 2,281 |
| Net interest margin | 3.3229% | 4,126 |
| Noninterest income to average assets | 0.2317% | 4,623 |
| Noninterest expense to average assets | 2.7683% | 2,814 |
| Loan and lease loss provision to assets | 0.0732% | 2,300 |
| Net operating income to assets | 0.4756% | 4,752 |
| Return on assets (ROA) | 0.4756% | 4,755 |
| Pretax return on assets | 0.4756% | 4,908 |
| Return on Equity (ROE) | 4.6700% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.6700% | 3,323 |
| Net charge-offs to loans | -0.0418% | 4,885 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4559% | 835 |
| Assets per employee ($millions) | 3.0035% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,786 |
| Loan loss allowance to noncurrent loans | 104.7619% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 2,418 |
| Noncurrent loans to loans | 0.9828% | 1,855 |
| Net loans and leases to total assets | 57.6064% | 3,980 |
| Net loans and leases to deposits | 66.5920% | 4,048 |
| Net loans and leases to core deposits | 66.5920% | 4,277 |
| Total domestic deposits to total assets | 86.5064% | 2,316 |
| Equity capital to assets | 10.1338% | 3,469 |
| Core capital (leverage) ratio | 8.9737% | 4,703 |
| Tier 1 risk-based capital ratio | 16.3195% | 2,348 |
| Total risk-based capital ratio | 17.4193% | 2,356 |
| Memoranda: | ||
| Average total assets | $32,800,000 | 5,398 |
| Average earning assets | $30,455,000 | 5,382 |
| Average equity | $3,340,500 | 5,435 |
| Average total loans | $19,145,000 | 5,274 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8689% | 3,832 |
| Cost of funding earning assets | 0.5610% | 1,878 |
| Net interest margin | 3.3079% | 4,137 |
| Noninterest income to average assets | 0.2184% | 4,840 |
| Noninterest expense to average assets | 2.9700% | 2,249 |
| Loan and lease loss provision to assets | 0.1186% | 1,925 |
| Net operating income to assets | 0.1653% | 5,169 |
| Return on assets (ROA) | 0.1653% | 5,181 |
| Pretax return on assets | 0.1653% | 5,340 |
| Return on Equity (ROE) | 1.6009% | 5,139 |
| Retained earnings to average equity (ytd only) | 1.6009% | 4,350 |
| Net charge-offs to loans | 0.0217% | 3,375 |
| Credit loss provision to net charge-offs | 950.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 22.7500% | 1,842 |
| Efficiency ratio | 91.2752% | 371 |
| Assets per employee ($millions) | 2.9602% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,971 |
| Loan loss allowance to noncurrent loans | 107.9545% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6019% | 2,540 |
| Noncurrent loans to loans | 0.9234% | 1,935 |
| Net loans and leases to total assets | 57.9510% | 4,010 |
| Net loans and leases to deposits | 67.9388% | 4,034 |
| Net loans and leases to core deposits | 67.9388% | 4,302 |
| Total domestic deposits to total assets | 85.2988% | 2,725 |
| Equity capital to assets | 10.2359% | 3,453 |
| Core capital (leverage) ratio | 9.2156% | 4,378 |
| Tier 1 risk-based capital ratio | 16.8458% | 2,144 |
| Total risk-based capital ratio | 17.9260% | 2,155 |
| Memoranda: | ||
| Average total assets | $32,053,600 | 5,466 |
| Average earning assets | $29,414,000 | 5,447 |
| Average equity | $3,310,600 | 5,499 |
| Average total loans | $18,398,600 | 5,344 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8545% | 3,817 |
| Cost of funding earning assets | 0.5598% | 1,812 |
| Net interest margin | 3.2947% | 4,189 |
| Noninterest income to average assets | 0.2213% | 4,894 |
| Noninterest expense to average assets | 3.0319% | 2,026 |
| Loan and lease loss provision to assets | 0.1128% | 1,906 |
| Net operating income to assets | 0.1002% | 5,446 |
| Return on assets (ROA) | 0.1002% | 5,458 |
| Pretax return on assets | 0.1002% | 5,463 |
| Return on Equity (ROE) | 0.9682% | 5,436 |
| Retained earnings to average equity (ytd only) | 0.9682% | 4,982 |
| Net charge-offs to loans | 0.0950% | 1,841 |
| Credit loss provision to net charge-offs | 207.6923% | 1,310 |
| Earnings coverage of net charge-offs (x) | 3.9238% | 3,284 |
| Efficiency ratio | 93.4363% | 303 |
| Assets per employee ($millions) | 2.9568% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 4,419 |
| Loan loss allowance to noncurrent loans | 47.7654% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1622% | 1,425 |
| Noncurrent loans to loans | 1.9515% | 879 |
| Net loans and leases to total assets | 55.8770% | 4,241 |
| Net loans and leases to deposits | 65.5202% | 4,283 |
| Net loans and leases to core deposits | 65.5202% | 4,515 |
| Total domestic deposits to total assets | 85.2821% | 2,604 |
| Equity capital to assets | 10.2414% | 3,649 |
| Core capital (leverage) ratio | 10.5418% | 2,944 |
| Tier 1 risk-based capital ratio | 19.4830% | 1,485 |
| Total risk-based capital ratio | 20.4831% | 1,491 |
| Memoranda: | ||
| Average total assets | $31,926,500 | 5,526 |
| Average earning assets | $29,298,500 | 5,508 |
| Average equity | $3,305,000 | 5,563 |
| Average total loans | $18,233,250 | 5,408 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 3,671 |
| Cost of funding earning assets | 0.5578% | 1,726 |
| Net interest margin | 3.3054% | 4,088 |
| Noninterest income to average assets | 0.2206% | 4,929 |
| Noninterest expense to average assets | 3.1645% | 1,671 |
| Loan and lease loss provision to assets | 0.1135% | 1,804 |
| Net operating income to assets | -0.0315% | 5,566 |
| Return on assets (ROA) | -0.0315% | 5,567 |
| Pretax return on assets | -0.0315% | 5,561 |
| Return on Equity (ROE) | -0.3034% | 5,567 |
| Retained earnings to average equity (ytd only) | -0.3034% | 5,124 |
| Net charge-offs to loans | 0.1429% | 1,302 |
| Credit loss provision to net charge-offs | 138.4615% | 1,611 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,332 |
| Efficiency ratio | 97.4757% | 222 |
| Assets per employee ($millions) | 2.9564% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 4,641 |
| Loan loss allowance to noncurrent loans | 27.5980% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 1.8727% | 714 |
| Noncurrent loans to loans | 3.2604% | 373 |
| Net loans and leases to total assets | 54.8647% | 4,326 |
| Net loans and leases to deposits | 64.2862% | 4,354 |
| Net loans and leases to core deposits | 64.2862% | 4,580 |
| Total domestic deposits to total assets | 85.3444% | 2,676 |
| Equity capital to assets | 10.1722% | 3,708 |
| Core capital (leverage) ratio | 9.5594% | 4,060 |
| Tier 1 risk-based capital ratio | 16.6167% | 2,271 |
| Total risk-based capital ratio | 17.5324% | 2,343 |
| Memoranda: | ||
| Average total assets | $31,727,000 | 5,576 |
| Average earning assets | $29,043,670 | 5,560 |
| Average equity | $3,296,330 | 5,610 |
| Average total loans | $18,196,000 | 5,455 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8404% | 3,619 |
| Cost of funding earning assets | 0.5586% | 1,665 |
| Net interest margin | 3.2818% | 4,077 |
| Noninterest income to average assets | 0.3575% | 3,980 |
| Noninterest expense to average assets | 3.3833% | 1,233 |
| Loan and lease loss provision to assets | 0.1149% | 1,666 |
| Net operating income to assets | -0.1404% | 5,664 |
| Return on assets (ROA) | -0.1404% | 5,667 |
| Pretax return on assets | -0.1404% | 5,658 |
| Return on Equity (ROE) | -1.3372% | 5,666 |
| Retained earnings to average equity (ytd only) | -1.3372% | 5,106 |
| Net charge-offs to loans | 0.1531% | 1,044 |
| Credit loss provision to net charge-offs | 128.5714% | 1,323 |
| Earnings coverage of net charge-offs (x) | -0.2857% | 2,864 |
| Efficiency ratio | 100.7605% | 209 |
| Assets per employee ($millions) | 2.8587% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 4,729 |
| Loan loss allowance to noncurrent loans | 12.6492% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 4.4680% | 148 |
| Noncurrent loans to loans | 7.1755% | 74 |
| Net loans and leases to total assets | 55.2026% | 4,235 |
| Net loans and leases to deposits | 64.9736% | 4,255 |
| Net loans and leases to core deposits | 64.9736% | 4,488 |
| Total domestic deposits to total assets | 84.9615% | 3,107 |
| Equity capital to assets | 10.4624% | 3,221 |
| Core capital (leverage) ratio | 9.1179% | 4,588 |
| Tier 1 risk-based capital ratio | 16.6790% | 2,287 |
| Total risk-based capital ratio | 17.5866% | 2,363 |
| Memoranda: | ||
| Average total assets | $31,330,500 | 5,644 |
| Average earning assets | $28,643,000 | 5,630 |
| Average equity | $3,290,500 | 5,671 |
| Average total loans | $18,292,000 | 5,513 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 2,855 |
| Cost of funding earning assets | 0.5210% | 1,933 |
| Net interest margin | 3.5783% | 3,148 |
| Noninterest income to average assets | 0.2330% | 5,020 |
| Noninterest expense to average assets | 3.1903% | 1,813 |
| Loan and lease loss provision to assets | 0.2977% | 637 |
| Net operating income to assets | 0.1003% | 5,559 |
| Return on assets (ROA) | 0.3041% | 5,277 |
| Pretax return on assets | 0.3041% | 5,359 |
| Return on Equity (ROE) | 2.7956% | 5,214 |
| Retained earnings to average equity (ytd only) | 2.3495% | 4,188 |
| Net charge-offs to loans | 0.4632% | 544 |
| Credit loss provision to net charge-offs | 105.7471% | 2,460 |
| Earnings coverage of net charge-offs (x) | 1.4138% | 3,988 |
| Efficiency ratio | 88.9089% | 624 |
| Assets per employee ($millions) | 2.8369% | 5,461 |
| Cash dividends to net income (ytd only)* | 15.9574% | 3,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8235% | 5,039 |
| Loan loss allowance to noncurrent loans | 37.0283% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 1.6183% | 979 |
| Noncurrent loans to loans | 2.2239% | 763 |
| Net loans and leases to total assets | 60.5941% | 3,789 |
| Net loans and leases to deposits | 71.4086% | 3,769 |
| Net loans and leases to core deposits | 71.4086% | 4,121 |
| Total domestic deposits to total assets | 84.8555% | 3,110 |
| Equity capital to assets | 10.5460% | 3,102 |
| Core capital (leverage) ratio | 9.3470% | 4,291 |
| Tier 1 risk-based capital ratio | 15.4297% | 2,773 |
| Total risk-based capital ratio | 16.2584% | 2,900 |
| Memoranda: | ||
| Average total assets | $30,906,000 | 5,698 |
| Average earning assets | $28,980,200 | 5,675 |
| Average equity | $3,362,400 | 5,717 |
| Average total loans | $18,781,400 | 5,551 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 2,810 |
| Cost of funding earning assets | 0.5084% | 2,031 |
| Net interest margin | 3.6093% | 3,036 |
| Noninterest income to average assets | 0.2206% | 5,146 |
| Noninterest expense to average assets | 3.1483% | 1,907 |
| Loan and lease loss provision to assets | 0.0951% | 2,320 |
| Net operating income to assets | 0.3849% | 5,069 |
| Return on assets (ROA) | 0.4281% | 5,021 |
| Pretax return on assets | 0.4281% | 5,261 |
| Return on Equity (ROE) | 3.9050% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.9050% | 3,523 |
| Net charge-offs to loans | 0.1354% | 1,622 |
| Credit loss provision to net charge-offs | 115.7895% | 2,148 |
| Earnings coverage of net charge-offs (x) | 5.8429% | 3,075 |
| Efficiency ratio | 86.7700% | 756 |
| Assets per employee ($millions) | 2.7992% | 5,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 5,190 |
| Loan loss allowance to noncurrent loans | 28.9179% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 1.9908% | 780 |
| Noncurrent loans to loans | 2.7625% | 586 |
| Net loans and leases to total assets | 62.5118% | 3,585 |
| Net loans and leases to deposits | 74.2965% | 3,571 |
| Net loans and leases to core deposits | 74.2965% | 3,974 |
| Total domestic deposits to total assets | 84.1382% | 3,168 |
| Equity capital to assets | 11.1591% | 2,841 |
| Core capital (leverage) ratio | 10.5003% | 2,999 |
| Tier 1 risk-based capital ratio | 17.4662% | 2,093 |
| Total risk-based capital ratio | 18.2780% | 2,175 |
| Memoranda: | ||
| Average total assets | $30,831,000 | 5,761 |
| Average earning assets | $29,109,000 | 5,736 |
| Average equity | $3,380,250 | 5,776 |
| Average total loans | $18,710,250 | 5,607 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 2,799 |
| Cost of funding earning assets | 0.4964% | 2,129 |
| Net interest margin | 3.6196% | 3,022 |
| Noninterest income to average assets | 0.2269% | 5,132 |
| Noninterest expense to average assets | 3.1578% | 1,912 |
| Loan and lease loss provision to assets | 0.0648% | 2,845 |
| Net operating income to assets | 0.4085% | 5,012 |
| Return on assets (ROA) | 0.4733% | 4,883 |
| Pretax return on assets | 0.4733% | 5,192 |
| Return on Equity (ROE) | 4.3431% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.3431% | 3,154 |
| Net charge-offs to loans | 0.0758% | 2,104 |
| Credit loss provision to net charge-offs | 142.8571% | 1,652 |
| Earnings coverage of net charge-offs (x) | 10.4286% | 2,339 |
| Efficiency ratio | 86.9643% | 796 |
| Assets per employee ($millions) | 2.3263% | 5,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8021% | 5,281 |
| Loan loss allowance to noncurrent loans | 47.8395% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.3260% | 1,518 |
| Noncurrent loans to loans | 1.6766% | 1,269 |
| Net loans and leases to total assets | 63.3887% | 3,451 |
| Net loans and leases to deposits | 75.5319% | 3,436 |
| Net loans and leases to core deposits | 75.5319% | 3,862 |
| Total domestic deposits to total assets | 83.9230% | 3,297 |
| Equity capital to assets | 11.3154% | 2,727 |
| Core capital (leverage) ratio | 10.5763% | 2,879 |
| Tier 1 risk-based capital ratio | 17.7293% | 2,004 |
| Total risk-based capital ratio | 18.5598% | 2,091 |
| Memoranda: | ||
| Average total assets | $30,844,330 | 5,832 |
| Average earning assets | $29,008,670 | 5,806 |
| Average equity | $3,361,670 | 5,846 |
| Average total loans | $18,479,330 | 5,681 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 2,864 |
| Cost of funding earning assets | 0.4793% | 2,284 |
| Net interest margin | 3.6150% | 3,026 |
| Noninterest income to average assets | 0.2183% | 5,174 |
| Noninterest expense to average assets | 3.2236% | 1,781 |
| Loan and lease loss provision to assets | 0.0514% | 2,899 |
| Net operating income to assets | 0.3339% | 5,199 |
| Return on assets (ROA) | 0.3468% | 5,249 |
| Pretax return on assets | 0.3468% | 5,411 |
| Return on Equity (ROE) | 3.2418% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.2418% | 3,876 |
| Net charge-offs to loans | 0.0886% | 1,611 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,145 |
| Efficiency ratio | 89.3238% | 716 |
| Assets per employee ($millions) | 2.6024% | 5,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 5,306 |
| Loan loss allowance to noncurrent loans | 30.0395% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 1.8669% | 976 |
| Noncurrent loans to loans | 2.7362% | 639 |
| Net loans and leases to total assets | 58.7307% | 3,960 |
| Net loans and leases to deposits | 71.1747% | 3,729 |
| Net loans and leases to core deposits | 71.1747% | 4,141 |
| Total domestic deposits to total assets | 82.5163% | 4,062 |
| Equity capital to assets | 10.7784% | 3,180 |
| Core capital (leverage) ratio | 10.3295% | 3,155 |
| Tier 1 risk-based capital ratio | 17.3721% | 2,162 |
| Total risk-based capital ratio | 18.1813% | 2,262 |
| Memoranda: | ||
| Average total assets | $31,145,500 | 5,888 |
| Average earning assets | $29,211,500 | 5,862 |
| Average equity | $3,331,500 | 5,903 |
| Average total loans | $18,056,500 | 5,749 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 3,650 |
| Cost of funding earning assets | 0.4607% | 2,532 |
| Net interest margin | 3.4551% | 3,695 |
| Noninterest income to average assets | 0.1968% | 5,406 |
| Noninterest expense to average assets | 3.0419% | 2,406 |
| Loan and lease loss provision to assets | 0.0154% | 4,101 |
| Net operating income to assets | 0.4152% | 5,004 |
| Return on assets (ROA) | 0.4429% | 4,993 |
| Pretax return on assets | 0.4429% | 5,242 |
| Return on Equity (ROE) | 4.3892% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.0844% | 3,097 |
| Net charge-offs to loans | -0.0231% | 5,317 |
| Credit loss provision to net charge-offs | -125.0000% | 5,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5996% | 861 |
| Assets per employee ($millions) | 2.5885% | 5,844 |
| Cash dividends to net income (ytd only)* | 6.9444% | 4,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8627% | 5,226 |
| Loan loss allowance to noncurrent loans | 43.8040% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 1.3650% | 1,539 |
| Noncurrent loans to loans | 1.9694% | 1,071 |
| Net loans and leases to total assets | 56.2359% | 4,276 |
| Net loans and leases to deposits | 66.9734% | 4,223 |
| Net loans and leases to core deposits | 66.9734% | 4,505 |
| Total domestic deposits to total assets | 83.9675% | 3,495 |
| Equity capital to assets | 10.6143% | 3,228 |
| Core capital (leverage) ratio | 9.0815% | 4,778 |
| Tier 1 risk-based capital ratio | 16.1392% | 2,631 |
| Total risk-based capital ratio | 16.9906% | 2,748 |
| Memoranda: | ||
| Average total assets | $32,512,600 | 5,920 |
| Average earning assets | $30,823,600 | 5,886 |
| Average equity | $3,280,800 | 5,959 |
| Average total loans | $17,341,600 | 5,816 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9092% | 3,715 |
| Cost of funding earning assets | 0.4581% | 2,606 |
| Net interest margin | 3.4511% | 3,747 |
| Noninterest income to average assets | 0.1906% | 5,517 |
| Noninterest expense to average assets | 2.8430% | 3,026 |
| Loan and lease loss provision to assets | 0.0203% | 3,870 |
| Net operating income to assets | 0.5962% | 4,402 |
| Return on assets (ROA) | 0.6205% | 4,390 |
| Pretax return on assets | 0.6205% | 4,921 |
| Return on Equity (ROE) | 6.2254% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.2254% | 2,102 |
| Net charge-offs to loans | -0.0309% | 5,366 |
| Credit loss provision to net charge-offs | -125.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1805% | 1,371 |
| Assets per employee ($millions) | 2.8922% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 5,337 |
| Loan loss allowance to noncurrent loans | 59.3750% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8833% | 2,669 |
| Noncurrent loans to loans | 1.4449% | 1,739 |
| Net loans and leases to total assets | 55.2115% | 4,445 |
| Net loans and leases to deposits | 68.0155% | 4,189 |
| Net loans and leases to core deposits | 68.0155% | 4,536 |
| Total domestic deposits to total assets | 81.1750% | 4,429 |
| Equity capital to assets | 10.5960% | 3,485 |
| Core capital (leverage) ratio | 8.8785% | 5,144 |
| Tier 1 risk-based capital ratio | 16.6151% | 2,517 |
| Total risk-based capital ratio | 17.4862% | 2,654 |
| Memoranda: | ||
| Average total assets | $32,875,250 | 5,994 |
| Average earning assets | $31,139,000 | 5,956 |
| Average equity | $3,276,750 | 6,038 |
| Average total loans | $17,272,000 | 5,893 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9067% | 3,654 |
| Cost of funding earning assets | 0.4510% | 2,710 |
| Net interest margin | 3.4557% | 3,680 |
| Noninterest income to average assets | 0.1866% | 5,573 |
| Noninterest expense to average assets | 2.8409% | 3,099 |
| Loan and lease loss provision to assets | 0.0301% | 3,527 |
| Net operating income to assets | 0.5898% | 4,397 |
| Return on assets (ROA) | 0.5898% | 4,489 |
| Pretax return on assets | 0.5898% | 5,005 |
| Return on Equity (ROE) | 6.0394% | 4,109 |
| Retained earnings to average equity (ytd only) | 6.0394% | 2,223 |
| Net charge-offs to loans | -0.0350% | 5,391 |
| Credit loss provision to net charge-offs | -166.6667% | 4,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0870% | 1,479 |
| Assets per employee ($millions) | 3.0409% | 5,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 5,387 |
| Loan loss allowance to noncurrent loans | 67.7130% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 3,160 |
| Noncurrent loans to loans | 1.2938% | 2,082 |
| Net loans and leases to total assets | 51.0762% | 4,841 |
| Net loans and leases to deposits | 59.7002% | 4,875 |
| Net loans and leases to core deposits | 59.7002% | 5,088 |
| Total domestic deposits to total assets | 85.5546% | 2,894 |
| Equity capital to assets | 9.7728% | 4,315 |
| Core capital (leverage) ratio | 8.6505% | 5,371 |
| Tier 1 risk-based capital ratio | 16.3175% | 2,705 |
| Total risk-based capital ratio | 17.1842% | 2,846 |
| Memoranda: | ||
| Average total assets | $33,229,000 | 6,055 |
| Average earning assets | $31,484,000 | 6,014 |
| Average equity | $3,245,330 | 6,102 |
| Average total loans | $17,123,670 | 5,956 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 3,256 |
| Cost of funding earning assets | 0.4450% | 2,825 |
| Net interest margin | 3.5474% | 3,233 |
| Noninterest income to average assets | 0.1449% | 5,875 |
| Noninterest expense to average assets | 2.9470% | 2,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5677% | 4,411 |
| Return on assets (ROA) | 0.5677% | 4,515 |
| Pretax return on assets | 0.5677% | 5,001 |
| Return on Equity (ROE) | 5.8141% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.8141% | 2,598 |
| Net charge-offs to loans | -0.0469% | 5,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8488% | 1,399 |
| Assets per employee ($millions) | 3.0379% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 5,544 |
| Loan loss allowance to noncurrent loans | 145.0000% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 4,518 |
| Noncurrent loans to loans | 0.5911% | 3,805 |
| Net loans and leases to total assets | 50.1900% | 4,827 |
| Net loans and leases to deposits | 55.7283% | 5,071 |
| Net loans and leases to core deposits | 55.7283% | 5,269 |
| Total domestic deposits to total assets | 90.0619% | 719 |
| Equity capital to assets | 9.8184% | 4,368 |
| Core capital (leverage) ratio | 7.7227% | 6,058 |
| Tier 1 risk-based capital ratio | 15.4464% | 3,178 |
| Total risk-based capital ratio | 15.4464% | 3,808 |
| Memoranda: | ||
| Average total assets | $33,118,500 | 6,123 |
| Average earning assets | $31,459,500 | 6,076 |
| Average equity | $3,233,500 | 6,165 |
| Average total loans | $17,067,500 | 6,014 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 4,415 |
| Cost of funding earning assets | 0.4814% | 2,865 |
| Net interest margin | 3.3426% | 4,429 |
| Noninterest income to average assets | 0.1364% | 6,009 |
| Noninterest expense to average assets | 2.7682% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5059% | 4,792 |
| Return on assets (ROA) | 0.5059% | 4,874 |
| Pretax return on assets | 0.5059% | 5,237 |
| Return on Equity (ROE) | 5.8258% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.6621% | 2,159 |
| Net charge-offs to loans | 0.0846% | 3,286 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.7143% | 2,344 |
| Efficiency ratio | 84.5486% | 1,336 |
| Assets per employee ($millions) | 2.9836% | 5,719 |
| Cash dividends to net income (ytd only)* | 2.8090% | 4,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 5,688 |
| Loan loss allowance to noncurrent loans | 120.1681% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 4,346 |
| Noncurrent loans to loans | 0.6911% | 3,609 |
| Net loans and leases to total assets | 52.0262% | 4,779 |
| Net loans and leases to deposits | 57.6897% | 5,083 |
| Net loans and leases to core deposits | 57.6897% | 5,278 |
| Total domestic deposits to total assets | 90.1828% | 657 |
| Equity capital to assets | 9.7075% | 4,459 |
| Core capital (leverage) ratio | 8.3042% | 5,772 |
| Tier 1 risk-based capital ratio | 13.0514% | 4,698 |
| Total risk-based capital ratio | 13.7065% | 4,982 |
| Memoranda: | ||
| Average total assets | $35,185,800 | 6,152 |
| Average earning assets | $33,027,800 | 6,117 |
| Average equity | $3,055,400 | 6,261 |
| Average total loans | $16,557,800 | 6,101 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 4,696 |
| Cost of funding earning assets | 0.4943% | 2,822 |
| Net interest margin | 3.2607% | 4,755 |
| Noninterest income to average assets | 0.1528% | 6,002 |
| Noninterest expense to average assets | 2.6124% | 4,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5888% | 4,488 |
| Return on assets (ROA) | 0.5851% | 4,595 |
| Pretax return on assets | 0.5851% | 5,069 |
| Return on Equity (ROE) | 6.9252% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.9252% | 1,854 |
| Net charge-offs to loans | 0.1139% | 2,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.2833% | 2,443 |
| Efficiency ratio | 81.6065% | 1,669 |
| Assets per employee ($millions) | 2.8924% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8105% | 5,848 |
| Loan loss allowance to noncurrent loans | 15.9243% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 2.7198% | 921 |
| Noncurrent loans to loans | 5.0895% | 347 |
| Net loans and leases to total assets | 50.4221% | 4,959 |
| Net loans and leases to deposits | 55.5552% | 5,275 |
| Net loans and leases to core deposits | 55.5552% | 5,473 |
| Total domestic deposits to total assets | 90.7603% | 434 |
| Equity capital to assets | 9.0524% | 5,300 |
| Core capital (leverage) ratio | 7.9511% | 6,103 |
| Tier 1 risk-based capital ratio | 14.1512% | 4,105 |
| Total risk-based capital ratio | 14.8750% | 4,399 |
| Memoranda: | ||
| Average total assets | $35,777,250 | 6,209 |
| Average earning assets | $33,447,750 | 6,178 |
| Average equity | $3,022,750 | 6,340 |
| Average total loans | $16,392,750 | 6,170 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7455% | 4,713 |
| Cost of funding earning assets | 0.5129% | 2,694 |
| Net interest margin | 3.2326% | 4,833 |
| Noninterest income to average assets | 0.1494% | 6,065 |
| Noninterest expense to average assets | 2.6845% | 3,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4649% | 4,953 |
| Return on assets (ROA) | 0.4649% | 5,027 |
| Pretax return on assets | 0.4649% | 5,376 |
| Return on Equity (ROE) | 5.6319% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.6319% | 2,553 |
| Net charge-offs to loans | 0.1753% | 1,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,836 |
| Efficiency ratio | 85.2373% | 1,351 |
| Assets per employee ($millions) | 2.9407% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 5,809 |
| Loan loss allowance to noncurrent loans | 17.2705% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 2.4768% | 1,149 |
| Noncurrent loans to loans | 5.0448% | 393 |
| Net loans and leases to total assets | 46.1063% | 5,352 |
| Net loans and leases to deposits | 50.6050% | 5,593 |
| Net loans and leases to core deposits | 50.6050% | 5,760 |
| Total domestic deposits to total assets | 91.1103% | 377 |
| Equity capital to assets | 8.7565% | 5,560 |
| Core capital (leverage) ratio | 7.6286% | 6,267 |
| Tier 1 risk-based capital ratio | 14.9691% | 3,658 |
| Total risk-based capital ratio | 15.7517% | 3,871 |
| Memoranda: | ||
| Average total assets | $36,133,330 | 6,258 |
| Average earning assets | $33,533,670 | 6,236 |
| Average equity | $2,983,000 | 6,401 |
| Average total loans | $15,975,670 | 6,246 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6032% | 5,158 |
| Cost of funding earning assets | 0.5130% | 2,776 |
| Net interest margin | 3.0902% | 5,285 |
| Noninterest income to average assets | 0.1532% | 6,055 |
| Noninterest expense to average assets | 2.7027% | 3,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2845% | 5,552 |
| Return on assets (ROA) | 0.2954% | 5,552 |
| Pretax return on assets | 0.2954% | 5,728 |
| Return on Equity (ROE) | 3.6866% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.6866% | 3,919 |
| Net charge-offs to loans | 0.4316% | 847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.5294% | 3,075 |
| Efficiency ratio | 90.4762% | 988 |
| Assets per employee ($millions) | 3.5607% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 5,907 |
| Loan loss allowance to noncurrent loans | 42.0420% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 1.0544% | 3,146 |
| Noncurrent loans to loans | 2.1075% | 1,743 |
| Net loans and leases to total assets | 39.9842% | 5,810 |
| Net loans and leases to deposits | 43.3295% | 6,009 |
| Net loans and leases to core deposits | 43.3295% | 6,104 |
| Total domestic deposits to total assets | 92.2794% | 198 |
| Equity capital to assets | 7.6210% | 6,266 |
| Core capital (leverage) ratio | 7.3096% | 6,398 |
| Tier 1 risk-based capital ratio | 14.0294% | 4,317 |
| Total risk-based capital ratio | 14.7681% | 4,608 |
| Memoranda: | ||
| Average total assets | $36,556,000 | 6,315 |
| Average earning assets | $33,525,500 | 6,297 |
| Average equity | $2,929,500 | 6,461 |
| Average total loans | $15,757,000 | 6,317 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 4,608 |
| Cost of funding earning assets | 0.6402% | 2,294 |
| Net interest margin | 3.2203% | 4,930 |
| Noninterest income to average assets | 0.1582% | 6,140 |
| Noninterest expense to average assets | 2.8625% | 3,485 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3463% | 5,347 |
| Return on assets (ROA) | 0.3851% | 5,306 |
| Pretax return on assets | 0.3522% | 5,601 |
| Return on Equity (ROE) | 4.3693% | 4,952 |
| Retained earnings to average equity (ytd only) | 4.3016% | 3,113 |
| Net charge-offs to loans | 0.0063% | 5,337 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 446 |
| Efficiency ratio | 90.1316% | 1,012 |
| Assets per employee ($millions) | 2.8287% | 6,068 |
| Cash dividends to net income (ytd only)* | 1.5504% | 4,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 5,571 |
| Loan loss allowance to noncurrent loans | 20.8223% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 2.4688% | 1,397 |
| Noncurrent loans to loans | 4.7986% | 543 |
| Net loans and leases to total assets | 45.8284% | 5,505 |
| Net loans and leases to deposits | 50.1548% | 5,760 |
| Net loans and leases to core deposits | 50.1548% | 5,927 |
| Total domestic deposits to total assets | 91.3740% | 448 |
| Equity capital to assets | 8.4669% | 5,620 |
| Core capital (leverage) ratio | 7.4444% | 6,395 |
| Tier 1 risk-based capital ratio | 15.2411% | 3,525 |
| Total risk-based capital ratio | 16.1679% | 3,667 |
| Memoranda: | ||
| Average total assets | $33,501,600 | 6,444 |
| Average earning assets | $31,395,000 | 6,410 |
| Average equity | $2,952,400 | 6,542 |
| Average total loans | $15,897,600 | 6,375 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8152% | 4,795 |
| Cost of funding earning assets | 0.6521% | 2,346 |
| Net interest margin | 3.1631% | 5,108 |
| Noninterest income to average assets | 0.1557% | 6,256 |
| Noninterest expense to average assets | 2.7312% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4073% | 5,224 |
| Return on assets (ROA) | 0.4592% | 5,125 |
| Pretax return on assets | 0.4592% | 5,476 |
| Return on Equity (ROE) | 5.1592% | 4,647 |
| Retained earnings to average equity (ytd only) | 5.1592% | 2,963 |
| Net charge-offs to loans | 0.0251% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,127 |
| Efficiency ratio | 87.0229% | 1,256 |
| Assets per employee ($millions) | 3.2218% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 5,818 |
| Loan loss allowance to noncurrent loans | 18.9487% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 2.5451% | 1,499 |
| Noncurrent loans to loans | 5.1508% | 566 |
| Net loans and leases to total assets | 44.3736% | 5,698 |
| Net loans and leases to deposits | 48.4130% | 5,933 |
| Net loans and leases to core deposits | 48.4130% | 6,101 |
| Total domestic deposits to total assets | 91.6563% | 328 |
| Equity capital to assets | 8.2054% | 5,995 |
| Core capital (leverage) ratio | 7.6025% | 6,406 |
| Tier 1 risk-based capital ratio | 14.2873% | 4,226 |
| Total risk-based capital ratio | 15.1397% | 4,462 |
| Memoranda: | ||
| Average total assets | $33,391,000 | 6,519 |
| Average earning assets | $31,487,500 | 6,479 |
| Average equity | $2,972,000 | 6,613 |
| Average total loans | $15,943,750 | 6,438 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8443% | 4,673 |
| Cost of funding earning assets | 0.6754% | 2,263 |
| Net interest margin | 3.1690% | 5,048 |
| Noninterest income to average assets | 0.1834% | 6,106 |
| Noninterest expense to average assets | 2.7027% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4647% | 4,955 |
| Return on assets (ROA) | 0.5075% | 4,935 |
| Pretax return on assets | 0.5075% | 5,344 |
| Return on Equity (ROE) | 5.5457% | 4,428 |
| Retained earnings to average equity (ytd only) | 5.5457% | 2,707 |
| Net charge-offs to loans | 0.3132% | 1,930 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.0400% | 3,519 |
| Efficiency ratio | 85.3282% | 1,482 |
| Assets per employee ($millions) | 4.1659% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 6,336 |
| Loan loss allowance to noncurrent loans | 34.8168% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 1.3983% | 3,012 |
| Noncurrent loans to loans | 2.3283% | 2,026 |
| Net loans and leases to total assets | 48.8313% | 5,242 |
| Net loans and leases to deposits | 53.5188% | 5,555 |
| Net loans and leases to core deposits | 53.5188% | 5,793 |
| Total domestic deposits to total assets | 91.2413% | 465 |
| Equity capital to assets | 8.6146% | 5,654 |
| Core capital (leverage) ratio | 7.8123% | 6,299 |
| Tier 1 risk-based capital ratio | 12.3793% | 5,587 |
| Total risk-based capital ratio | 13.0214% | 5,893 |
| Memoranda: | ||
| Average total assets | $32,708,000 | 6,585 |
| Average earning assets | $30,798,670 | 6,544 |
| Average equity | $2,993,330 | 6,654 |
| Average total loans | $15,964,670 | 6,476 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 4,757 |
| Cost of funding earning assets | 0.6781% | 2,407 |
| Net interest margin | 3.1428% | 5,120 |
| Noninterest income to average assets | 0.1975% | 6,062 |
| Noninterest expense to average assets | 2.6668% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5062% | 4,627 |
| Return on assets (ROA) | 0.5062% | 4,774 |
| Pretax return on assets | 0.5062% | 5,234 |
| Return on Equity (ROE) | 5.3691% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.3691% | 3,020 |
| Net charge-offs to loans | -0.1524% | 6,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0467% | 1,763 |
| Assets per employee ($millions) | 3.0406% | 5,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 5,747 |
| Loan loss allowance to noncurrent loans | 107.8947% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7056% | 4,612 |
| Noncurrent loans to loans | 0.9825% | 4,166 |
| Net loans and leases to total assets | 45.7620% | 5,460 |
| Net loans and leases to deposits | 50.4466% | 5,754 |
| Net loans and leases to core deposits | 50.4466% | 5,941 |
| Total domestic deposits to total assets | 90.7137% | 667 |
| Equity capital to assets | 9.1727% | 5,283 |
| Core capital (leverage) ratio | 8.0107% | 6,131 |
| Tier 1 risk-based capital ratio | 14.2258% | 4,343 |
| Total risk-based capital ratio | 15.1081% | 4,570 |
| Memoranda: | ||
| Average total assets | $32,398,500 | 6,654 |
| Average earning assets | $30,673,500 | 6,609 |
| Average equity | $3,054,500 | 6,709 |
| Average total loans | $15,743,500 | 6,544 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0189% | 5,247 |
| Cost of funding earning assets | 0.9437% | 1,675 |
| Net interest margin | 3.0752% | 5,871 |
| Noninterest income to average assets | 0.2234% | 5,843 |
| Noninterest expense to average assets | 2.9874% | 3,322 |
| Loan and lease loss provision to assets | 0.0765% | 4,760 |
| Net operating income to assets | 0.0520% | 6,084 |
| Return on assets (ROA) | 0.1194% | 6,110 |
| Pretax return on assets | 0.1194% | 6,124 |
| Return on Equity (ROE) | 1.2967% | 6,064 |
| Retained earnings to average equity (ytd only) | 1.2302% | 5,262 |
| Net charge-offs to loans | 0.7205% | 1,627 |
| Credit loss provision to net charge-offs | 21.9298% | 5,260 |
| Earnings coverage of net charge-offs (x) | 0.3684% | 5,297 |
| Efficiency ratio | 95.8743% | 713 |
| Assets per employee ($millions) | 2.8500% | 6,247 |
| Cash dividends to net income (ytd only)* | 5.1282% | 4,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 6,006 |
| Loan loss allowance to noncurrent loans | 81.4433% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.8868% | 4,271 |
| Noncurrent loans to loans | 1.2112% | 3,830 |
| Net loans and leases to total assets | 50.5869% | 5,095 |
| Net loans and leases to deposits | 56.1102% | 5,437 |
| Net loans and leases to core deposits | 56.1102% | 5,708 |
| Total domestic deposits to total assets | 90.1563% | 872 |
| Equity capital to assets | 9.7002% | 4,587 |
| Core capital (leverage) ratio | 8.0480% | 6,145 |
| Tier 1 risk-based capital ratio | 12.1312% | 5,700 |
| Total risk-based capital ratio | 12.8653% | 5,984 |
| Memoranda: | ||
| Average total assets | $32,670,600 | 6,692 |
| Average earning assets | $30,729,600 | 6,647 |
| Average equity | $3,007,600 | 6,782 |
| Average total loans | $15,823,000 | 6,611 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 5,621 |
| Cost of funding earning assets | 0.9848% | 1,653 |
| Net interest margin | 2.9801% | 6,203 |
| Noninterest income to average assets | 0.1858% | 6,190 |
| Noninterest expense to average assets | 2.8847% | 3,660 |
| Loan and lease loss provision to assets | 0.0606% | 4,959 |
| Net operating income to assets | 0.0404% | 6,219 |
| Return on assets (ROA) | 0.1293% | 6,220 |
| Pretax return on assets | 0.1293% | 6,231 |
| Return on Equity (ROE) | 1.4227% | 6,171 |
| Retained earnings to average equity (ytd only) | 1.3780% | 5,624 |
| Net charge-offs to loans | 0.9551% | 1,124 |
| Credit loss provision to net charge-offs | 13.2743% | 5,039 |
| Earnings coverage of net charge-offs (x) | 0.2212% | 5,216 |
| Efficiency ratio | 96.6171% | 653 |
| Assets per employee ($millions) | 3.0616% | 5,945 |
| Cash dividends to net income (ytd only)* | 3.1169% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 6,397 |
| Loan loss allowance to noncurrent loans | 58.2031% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.1847% | 3,925 |
| Noncurrent loans to loans | 1.5387% | 3,482 |
| Net loans and leases to total assets | 48.9578% | 5,438 |
| Net loans and leases to deposits | 54.8448% | 5,732 |
| Net loans and leases to core deposits | 54.8448% | 5,979 |
| Total domestic deposits to total assets | 89.2660% | 1,267 |
| Equity capital to assets | 9.0861% | 5,734 |
| Core capital (leverage) ratio | 7.6174% | 6,555 |
| Tier 1 risk-based capital ratio | 14.2725% | 4,343 |
| Total risk-based capital ratio | 15.0860% | 4,621 |
| Memoranda: | ||
| Average total assets | $33,000,750 | 6,763 |
| Average earning assets | $31,004,750 | 6,723 |
| Average equity | $2,999,250 | 6,869 |
| Average total loans | $15,774,500 | 6,696 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 5,664 |
| Cost of funding earning assets | 1.0565% | 1,428 |
| Net interest margin | 2.9347% | 6,370 |
| Noninterest income to average assets | 0.1831% | 6,254 |
| Noninterest expense to average assets | 2.9535% | 3,430 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0244% | 6,354 |
| Return on assets (ROA) | 0.1098% | 6,297 |
| Pretax return on assets | 0.1098% | 6,309 |
| Return on Equity (ROE) | 1.2085% | 6,261 |
| Retained earnings to average equity (ytd only) | 1.1413% | 5,614 |
| Net charge-offs to loans | 0.8136% | 1,356 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.0635% | 5,114 |
| Efficiency ratio | 100.8333% | 532 |
| Assets per employee ($millions) | 3.0737% | 5,904 |
| Cash dividends to net income (ytd only)* | 5.5556% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 5,384 |
| Loan loss allowance to noncurrent loans | 61.7450% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.3191% | 3,793 |
| Noncurrent loans to loans | 1.9331% | 3,021 |
| Net loans and leases to total assets | 45.0504% | 5,917 |
| Net loans and leases to deposits | 50.3504% | 6,157 |
| Net loans and leases to core deposits | 50.3504% | 6,323 |
| Total domestic deposits to total assets | 89.4738% | 1,236 |
| Equity capital to assets | 8.8433% | 5,862 |
| Core capital (leverage) ratio | 7.4644% | 6,636 |
| Tier 1 risk-based capital ratio | 13.9208% | 4,505 |
| Total risk-based capital ratio | 14.9166% | 4,665 |
| Memoranda: | ||
| Average total assets | $32,775,000 | 6,821 |
| Average earning assets | $30,668,000 | 6,779 |
| Average equity | $2,979,000 | 6,914 |
| Average total loans | $15,487,000 | 6,769 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 5,628 |
| Cost of funding earning assets | 1.1171% | 1,311 |
| Net interest margin | 2.9256% | 6,447 |
| Noninterest income to average assets | 0.1736% | 6,335 |
| Noninterest expense to average assets | 2.7529% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1488% | 6,120 |
| Return on assets (ROA) | 0.2728% | 5,903 |
| Pretax return on assets | 0.2728% | 6,028 |
| Return on Equity (ROE) | 2.9595% | 5,729 |
| Retained earnings to average equity (ytd only) | 2.9595% | 4,772 |
| Net charge-offs to loans | 1.6492% | 588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.1875% | 4,276 |
| Efficiency ratio | 94.8718% | 777 |
| Assets per employee ($millions) | 2.9627% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 5,524 |
| Loan loss allowance to noncurrent loans | 62.8866% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.5588% | 3,527 |
| Noncurrent loans to loans | 1.8954% | 3,290 |
| Net loans and leases to total assets | 46.5480% | 5,725 |
| Net loans and leases to deposits | 52.2977% | 5,951 |
| Net loans and leases to core deposits | 52.2977% | 6,181 |
| Total domestic deposits to total assets | 89.0058% | 1,693 |
| Equity capital to assets | 9.2268% | 5,194 |
| Core capital (leverage) ratio | 7.5312% | 6,614 |
| Tier 1 risk-based capital ratio | 12.7318% | 5,417 |
| Total risk-based capital ratio | 13.6341% | 5,653 |
| Memoranda: | ||
| Average total assets | $32,257,000 | 6,885 |
| Average earning assets | $30,079,000 | 6,846 |
| Average equity | $2,973,500 | 6,966 |
| Average total loans | $15,522,500 | 6,819 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 6,292 |
| Cost of funding earning assets | 1.2240% | 1,877 |
| Net interest margin | 2.8686% | 6,740 |
| Noninterest income to average assets | 0.1436% | 6,431 |
| Noninterest expense to average assets | 2.9538% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.0928% | 6,157 |
| Return on assets (ROA) | 0.1377% | 5,902 |
| Pretax return on assets | 0.1137% | 5,945 |
| Return on Equity (ROE) | 1.6329% | 5,795 |
| Retained earnings to average equity (ytd only) | 1.5619% | 5,098 |
| Net charge-offs to loans | 0.0252% | 6,083 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -9.7500% | 6,396 |
| Efficiency ratio | 104.1139% | 566 |
| Assets per employee ($millions) | 2.9022% | 6,285 |
| Cash dividends to net income (ytd only)* | 4.3478% | 3,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5741% | 3,685 |
| Loan loss allowance to noncurrent loans | 61.7500% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.9327% | 3,061 |
| Noncurrent loans to loans | 2.5491% | 2,576 |
| Net loans and leases to total assets | 48.3805% | 5,785 |
| Net loans and leases to deposits | 54.3685% | 6,034 |
| Net loans and leases to core deposits | 54.3685% | 6,275 |
| Total domestic deposits to total assets | 88.9863% | 1,545 |
| Equity capital to assets | 9.2094% | 5,270 |
| Core capital (leverage) ratio | 7.5380% | 6,629 |
| Tier 1 risk-based capital ratio | 12.4132% | 5,520 |
| Total risk-based capital ratio | 13.6217% | 5,532 |
| Memoranda: | ||
| Average total assets | $33,415,000 | 6,876 |
| Average earning assets | $31,373,800 | 6,827 |
| Average equity | $2,817,000 | 7,051 |
| Average total loans | $15,841,600 | 6,860 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 6,500 |
| Cost of funding earning assets | 1.2411% | 2,055 |
| Net interest margin | 2.8092% | 6,873 |
| Noninterest income to average assets | 0.0868% | 6,802 |
| Noninterest expense to average assets | 2.9083% | 3,897 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.1776% | 6,360 |
| Return on assets (ROA) | 0.1263% | 6,015 |
| Pretax return on assets | 0.1263% | 6,049 |
| Return on Equity (ROE) | 1.5314% | 5,927 |
| Retained earnings to average equity (ytd only) | 1.5314% | 5,370 |
| Net charge-offs to loans | 0.2435% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -1.5516% | 5,989 |
| Efficiency ratio | 106.5029% | 491 |
| Assets per employee ($millions) | 3.5397% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 4,584 |
| Loan loss allowance to noncurrent loans | 48.6842% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 1.9719% | 3,178 |
| Noncurrent loans to loans | 2.8652% | 2,434 |
| Net loans and leases to total assets | 44.3343% | 6,303 |
| Net loans and leases to deposits | 49.2283% | 6,541 |
| Net loans and leases to core deposits | 49.2283% | 6,702 |
| Total domestic deposits to total assets | 90.0585% | 835 |
| Equity capital to assets | 8.3284% | 6,456 |
| Core capital (leverage) ratio | 7.6219% | 6,684 |
| Tier 1 risk-based capital ratio | 14.2289% | 4,179 |
| Total risk-based capital ratio | 15.3755% | 4,232 |
| Memoranda: | ||
| Average total assets | $33,787,750 | 6,931 |
| Average earning assets | $31,799,000 | 6,877 |
| Average equity | $2,786,250 | 7,127 |
| Average total loans | $15,879,000 | 6,922 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 6,391 |
| Cost of funding earning assets | 1.2802% | 2,061 |
| Net interest margin | 2.8675% | 6,843 |
| Noninterest income to average assets | 0.0782% | 6,933 |
| Noninterest expense to average assets | 2.8931% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.1203% | 6,377 |
| Return on assets (ROA) | -0.1203% | 6,425 |
| Pretax return on assets | -0.1203% | 6,384 |
| Return on Equity (ROE) | -1.4640% | 6,463 |
| Retained earnings to average equity (ytd only) | -1.4640% | 6,152 |
| Net charge-offs to loans | 0.3907% | 2,997 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.6452% | 5,567 |
| Efficiency ratio | 104.3384% | 607 |
| Assets per employee ($millions) | 3.3044% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 4,470 |
| Loan loss allowance to noncurrent loans | 39.8551% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 2.5091% | 2,658 |
| Noncurrent loans to loans | 3.5698% | 1,982 |
| Net loans and leases to total assets | 41.9363% | 6,597 |
| Net loans and leases to deposits | 46.1252% | 6,823 |
| Net loans and leases to core deposits | 46.1252% | 6,931 |
| Total domestic deposits to total assets | 90.9183% | 527 |
| Equity capital to assets | 7.4832% | 6,955 |
| Core capital (leverage) ratio | 7.4056% | 6,807 |
| Tier 1 risk-based capital ratio | 12.9621% | 4,942 |
| Total risk-based capital ratio | 14.1493% | 4,973 |
| Memoranda: | ||
| Average total assets | $33,251,330 | 7,007 |
| Average earning assets | $31,246,330 | 6,957 |
| Average equity | $2,732,330 | 7,196 |
| Average total loans | $15,867,000 | 6,988 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 5,799 |
| Cost of funding earning assets | 1.3665% | 1,794 |
| Net interest margin | 3.0010% | 6,571 |
| Noninterest income to average assets | 0.1514% | 6,639 |
| Noninterest expense to average assets | 3.1921% | 2,925 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2145% | 6,579 |
| Return on assets (ROA) | -0.2145% | 6,592 |
| Pretax return on assets | -0.2145% | 6,550 |
| Return on Equity (ROE) | -2.4831% | 6,629 |
| Retained earnings to average equity (ytd only) | -2.4831% | 6,218 |
| Net charge-offs to loans | 0.2240% | 3,192 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.8889% | 4,953 |
| Efficiency ratio | 107.2034% | 554 |
| Assets per employee ($millions) | 2.7629% | 6,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 3,944 |
| Loan loss allowance to noncurrent loans | 46.5385% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 3.0732% | 2,245 |
| Noncurrent loans to loans | 3.3383% | 2,248 |
| Net loans and leases to total assets | 50.4574% | 5,788 |
| Net loans and leases to deposits | 58.2128% | 5,905 |
| Net loans and leases to core deposits | 58.2128% | 6,237 |
| Total domestic deposits to total assets | 86.6774% | 3,130 |
| Equity capital to assets | 9.0122% | 5,188 |
| Core capital (leverage) ratio | 7.0414% | 6,990 |
| Tier 1 risk-based capital ratio | 14.3853% | 3,816 |
| Total risk-based capital ratio | 15.6367% | 3,778 |
| Memoranda: | ||
| Average total assets | $31,703,000 | 7,103 |
| Average earning assets | $29,857,000 | 7,055 |
| Average equity | $2,738,500 | 7,237 |
| Average total loans | $16,069,000 | 7,030 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 6,276 |
| Cost of funding earning assets | 1.6061% | 2,039 |
| Net interest margin | 2.9377% | 6,841 |
| Noninterest income to average assets | 0.1830% | 6,447 |
| Noninterest expense to average assets | 2.3471% | 6,225 |
| Loan and lease loss provision to assets | 1.4761% | 1,009 |
| Net operating income to assets | -0.8916% | 6,628 |
| Return on assets (ROA) | -0.5580% | 6,453 |
| Pretax return on assets | -0.5580% | 6,363 |
| Return on Equity (ROE) | -6.6428% | 6,538 |
| Retained earnings to average equity (ytd only) | -6.6428% | 6,439 |
| Net charge-offs to loans | 4.1064% | 302 |
| Credit loss provision to net charge-offs | 66.1376% | 5,952 |
| Earnings coverage of net charge-offs (x) | 0.2619% | 5,848 |
| Efficiency ratio | 80.0604% | 2,406 |
| Assets per employee ($millions) | 3.0013% | 6,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 3,922 |
| Loan loss allowance to noncurrent loans | 29.8810% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 3.2804% | 2,154 |
| Noncurrent loans to loans | 5.0722% | 1,317 |
| Net loans and leases to total assets | 49.4033% | 6,225 |
| Net loans and leases to deposits | 54.9417% | 6,527 |
| Net loans and leases to core deposits | 54.9417% | 6,755 |
| Total domestic deposits to total assets | 89.9194% | 1,149 |
| Equity capital to assets | 8.2935% | 6,154 |
| Core capital (leverage) ratio | 7.3401% | 6,824 |
| Tier 1 risk-based capital ratio | 13.8868% | 3,935 |
| Total risk-based capital ratio | 15.1367% | 3,918 |
| Memoranda: | ||
| Average total assets | $33,872,000 | 7,083 |
| Average earning assets | $31,691,800 | 7,030 |
| Average equity | $2,845,200 | 7,316 |
| Average total loans | $18,410,200 | 7,005 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6296% | 6,258 |
| Cost of funding earning assets | 1.6663% | 2,021 |
| Net interest margin | 2.9633% | 6,907 |
| Noninterest income to average assets | 0.1682% | 6,670 |
| Noninterest expense to average assets | 2.5972% | 5,338 |
| Loan and lease loss provision to assets | 1.9558% | 611 |
| Net operating income to assets | -1.0300% | 6,921 |
| Return on assets (ROA) | -0.7471% | 6,798 |
| Pretax return on assets | -1.1813% | 6,937 |
| Return on Equity (ROE) | -8.8670% | 6,874 |
| Retained earnings to average equity (ytd only) | -8.8670% | 6,819 |
| Net charge-offs to loans | 5.0443% | 169 |
| Credit loss provision to net charge-offs | 70.0280% | 5,420 |
| Earnings coverage of net charge-offs (x) | 0.1190% | 5,901 |
| Efficiency ratio | 88.6515% | 1,394 |
| Assets per employee ($millions) | 3.1006% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 3,123 |
| Loan loss allowance to noncurrent loans | 44.8012% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 2.5391% | 2,826 |
| Noncurrent loans to loans | 3.8181% | 2,010 |
| Net loans and leases to total assets | 49.3623% | 6,390 |
| Net loans and leases to deposits | 54.9873% | 6,689 |
| Net loans and leases to core deposits | 54.9873% | 6,913 |
| Total domestic deposits to total assets | 89.7704% | 986 |
| Equity capital to assets | 8.5027% | 6,272 |
| Core capital (leverage) ratio | 8.0644% | 6,255 |
| Tier 1 risk-based capital ratio | 15.1773% | 3,168 |
| Total risk-based capital ratio | 16.4325% | 3,140 |
| Memoranda: | ||
| Average total assets | $34,086,500 | 7,156 |
| Average earning assets | $31,765,750 | 7,114 |
| Average equity | $2,872,000 | 7,405 |
| Average total loans | $18,872,500 | 7,081 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7991% | 5,803 |
| Cost of funding earning assets | 1.7474% | 1,881 |
| Net interest margin | 3.0517% | 6,717 |
| Noninterest income to average assets | 0.1819% | 6,609 |
| Noninterest expense to average assets | 2.6057% | 5,305 |
| Loan and lease loss provision to assets | 2.9343% | 340 |
| Net operating income to assets | -1.6216% | 7,192 |
| Return on assets (ROA) | -1.1972% | 7,043 |
| Pretax return on assets | -1.8662% | 7,199 |
| Return on Equity (ROE) | -14.2524% | 7,118 |
| Retained earnings to average equity (ytd only) | -14.2524% | 7,078 |
| Net charge-offs to loans | 7.3714% | 79 |
| Credit loss provision to net charge-offs | 69.7350% | 4,972 |
| Earnings coverage of net charge-offs (x) | 0.0962% | 5,627 |
| Efficiency ratio | 86.5497% | 1,651 |
| Assets per employee ($millions) | 3.1025% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 3,721 |
| Loan loss allowance to noncurrent loans | 21.0297% | 6,890 |
| Noncurrent assets plus other real estate owned to assets | 5.2479% | 1,200 |
| Noncurrent loans to loans | 7.3145% | 742 |
| Net loans and leases to total assets | 54.3923% | 5,934 |
| Net loans and leases to deposits | 60.3655% | 6,383 |
| Net loans and leases to core deposits | 60.8623% | 6,645 |
| Total domestic deposits to total assets | 90.1049% | 872 |
| Equity capital to assets | 8.1399% | 6,611 |
| Core capital (leverage) ratio | 7.4373% | 6,886 |
| Tier 1 risk-based capital ratio | 11.2161% | 6,025 |
| Total risk-based capital ratio | 12.4648% | 6,007 |
| Memoranda: | ||
| Average total assets | $34,079,670 | 7,210 |
| Average earning assets | $31,589,000 | 7,171 |
| Average equity | $2,862,670 | 7,458 |
| Average total loans | $19,453,670 | 7,099 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9943% | 5,046 |
| Cost of funding earning assets | 1.8000% | 1,873 |
| Net interest margin | 3.1943% | 6,311 |
| Noninterest income to average assets | 0.1409% | 6,969 |
| Noninterest expense to average assets | 2.6193% | 5,271 |
| Loan and lease loss provision to assets | 2.9364% | 341 |
| Net operating income to assets | -1.4330% | 7,306 |
| Return on assets (ROA) | -1.4330% | 7,317 |
| Pretax return on assets | -2.4548% | 7,504 |
| Return on Equity (ROE) | -16.7986% | 7,365 |
| Retained earnings to average equity (ytd only) | -16.7986% | 7,274 |
| Net charge-offs to loans | 8.4844% | 79 |
| Credit loss provision to net charge-offs | 59.6659% | 4,308 |
| Earnings coverage of net charge-offs (x) | 0.0979% | 4,946 |
| Efficiency ratio | 84.4697% | 1,981 |
| Assets per employee ($millions) | 3.0473% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7314% | 2,957 |
| Loan loss allowance to noncurrent loans | 23.5212% | 6,833 |
| Noncurrent assets plus other real estate owned to assets | 4.8300% | 1,357 |
| Noncurrent loans to loans | 7.3609% | 783 |
| Net loans and leases to total assets | 57.2315% | 5,563 |
| Net loans and leases to deposits | 63.7830% | 6,074 |
| Net loans and leases to core deposits | 64.3219% | 6,431 |
| Total domestic deposits to total assets | 89.7285% | 1,128 |
| Equity capital to assets | 8.4994% | 6,004 |
| Core capital (leverage) ratio | 7.7044% | 6,619 |
| Tier 1 risk-based capital ratio | 10.9958% | 6,159 |
| Total risk-based capital ratio | 12.2461% | 6,129 |
| Memoranda: | ||
| Average total assets | $34,055,500 | 7,304 |
| Average earning assets | $31,556,000 | 7,265 |
| Average equity | $2,905,000 | 7,523 |
| Average total loans | $19,754,000 | 7,165 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0898% | 6,127 |
| Cost of funding earning assets | 2.0937% | 2,498 |
| Net interest margin | 2.9961% | 6,658 |
| Noninterest income to average assets | 0.1911% | 6,729 |
| Noninterest expense to average assets | 2.9529% | 4,330 |
| Loan and lease loss provision to assets | 2.0243% | 1,059 |
| Net operating income to assets | -1.3688% | 6,800 |
| Return on assets (ROA) | -1.3107% | 6,770 |
| Pretax return on assets | -1.9437% | 6,922 |
| Return on Equity (ROE) | -13.5880% | 6,861 |
| Retained earnings to average equity (ytd only) | -13.6189% | 6,788 |
| Net charge-offs to loans | 3.1542% | 651 |
| Credit loss provision to net charge-offs | 108.4800% | 5,103 |
| Earnings coverage of net charge-offs (x) | -0.0032% | 6,203 |
| Efficiency ratio | 100.2026% | 1,088 |
| Assets per employee ($millions) | 3.1446% | 5,877 |
| Cash dividends to net income (ytd only)* | -0.2278% | 7,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5368% | 1,182 |
| Loan loss allowance to noncurrent loans | 41.6941% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 4.0993% | 1,609 |
| Noncurrent loans to loans | 6.0843% | 1,026 |
| Net loans and leases to total assets | 56.3123% | 5,907 |
| Net loans and leases to deposits | 62.8476% | 6,380 |
| Net loans and leases to core deposits | 76.1672% | 6,384 |
| Total domestic deposits to total assets | 89.6013% | 1,157 |
| Equity capital to assets | 8.5600% | 5,789 |
| Core capital (leverage) ratio | 8.3039% | 5,607 |
| Tier 1 risk-based capital ratio | 13.5907% | 3,763 |
| Total risk-based capital ratio | 14.8560% | 3,691 |
| Memoranda: | ||
| Average total assets | $33,492,600 | 7,349 |
| Average earning assets | $30,806,600 | 7,322 |
| Average equity | $3,230,800 | 7,523 |
| Average total loans | $19,815,000 | 7,204 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0835% | 6,328 |
| Cost of funding earning assets | 2.1225% | 2,790 |
| Net interest margin | 2.9610% | 6,703 |
| Noninterest income to average assets | 0.2007% | 6,779 |
| Noninterest expense to average assets | 2.8297% | 4,764 |
| Loan and lease loss provision to assets | 2.4564% | 681 |
| Net operating income to assets | -1.4592% | 7,088 |
| Return on assets (ROA) | -1.3848% | 7,052 |
| Pretax return on assets | -2.2477% | 7,263 |
| Return on Equity (ROE) | -13.9465% | 7,130 |
| Retained earnings to average equity (ytd only) | -13.9465% | 7,071 |
| Net charge-offs to loans | 4.1471% | 325 |
| Credit loss provision to net charge-offs | 99.5122% | 5,137 |
| Earnings coverage of net charge-offs (x) | 0.0374% | 6,012 |
| Efficiency ratio | 96.8407% | 1,221 |
| Assets per employee ($millions) | 3.1665% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2970% | 1,304 |
| Loan loss allowance to noncurrent loans | 23.5632% | 6,871 |
| Noncurrent assets plus other real estate owned to assets | 6.0749% | 877 |
| Noncurrent loans to loans | 9.7484% | 415 |
| Net loans and leases to total assets | 55.0729% | 6,260 |
| Net loans and leases to deposits | 61.7492% | 6,700 |
| Net loans and leases to core deposits | 74.1515% | 6,722 |
| Total domestic deposits to total assets | 89.1881% | 1,107 |
| Equity capital to assets | 8.9831% | 5,501 |
| Core capital (leverage) ratio | 8.8253% | 4,937 |
| Tier 1 risk-based capital ratio | 12.6809% | 4,406 |
| Total risk-based capital ratio | 13.9380% | 4,357 |
| Memoranda: | ||
| Average total assets | $33,218,000 | 7,417 |
| Average earning assets | $30,529,500 | 7,395 |
| Average equity | $3,298,250 | 7,572 |
| Average total loans | $19,772,250 | 7,271 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 6,057 |
| Cost of funding earning assets | 2.1505% | 3,040 |
| Net interest margin | 3.0550% | 6,381 |
| Noninterest income to average assets | 0.2081% | 6,804 |
| Noninterest expense to average assets | 2.8458% | 4,758 |
| Loan and lease loss provision to assets | 2.5214% | 617 |
| Net operating income to assets | -1.4512% | 7,220 |
| Return on assets (ROA) | -1.4198% | 7,215 |
| Pretax return on assets | -2.3195% | 7,377 |
| Return on Equity (ROE) | -13.8315% | 7,273 |
| Retained earnings to average equity (ytd only) | -13.8315% | 7,174 |
| Net charge-offs to loans | 2.9569% | 555 |
| Credit loss provision to net charge-offs | 140.6143% | 3,317 |
| Earnings coverage of net charge-offs (x) | 0.0853% | 5,591 |
| Efficiency ratio | 94.8980% | 1,452 |
| Assets per employee ($millions) | 2.7493% | 6,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9527% | 591 |
| Loan loss allowance to noncurrent loans | 24.8914% | 6,852 |
| Noncurrent assets plus other real estate owned to assets | 7.5293% | 527 |
| Noncurrent loans to loans | 11.8623% | 235 |
| Net loans and leases to total assets | 57.0853% | 6,080 |
| Net loans and leases to deposits | 64.6294% | 6,504 |
| Net loans and leases to core deposits | 82.4562% | 6,203 |
| Total domestic deposits to total assets | 88.3271% | 1,609 |
| Equity capital to assets | 9.6996% | 4,350 |
| Core capital (leverage) ratio | 9.2229% | 4,274 |
| Tier 1 risk-based capital ratio | 13.5383% | 3,794 |
| Total risk-based capital ratio | 14.8018% | 3,720 |
| Memoranda: | ||
| Average total assets | $32,680,000 | 7,500 |
| Average earning assets | $29,853,000 | 7,487 |
| Average equity | $3,354,670 | 7,615 |
| Average total loans | $19,818,330 | 7,338 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1700% | 6,414 |
| Cost of funding earning assets | 2.1463% | 3,431 |
| Net interest margin | 3.0237% | 6,416 |
| Noninterest income to average assets | 0.1968% | 6,886 |
| Noninterest expense to average assets | 2.8286% | 4,432 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1230% | 5,909 |
| Return on assets (ROA) | 0.1230% | 6,076 |
| Pretax return on assets | 0.1230% | 6,113 |
| Return on Equity (ROE) | 1.1655% | 6,079 |
| Retained earnings to average equity (ytd only) | 1.1655% | 5,175 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8333% | 1,328 |
| Assets per employee ($millions) | 2.8138% | 6,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2814% | 968 |
| Loan loss allowance to noncurrent loans | 27.3001% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 4.9993% | 900 |
| Noncurrent loans to loans | 8.3568% | 415 |
| Net loans and leases to total assets | 57.5922% | 6,008 |
| Net loans and leases to deposits | 66.6964% | 6,312 |
| Net loans and leases to core deposits | 87.9989% | 5,737 |
| Total domestic deposits to total assets | 86.3498% | 2,526 |
| Equity capital to assets | 10.2118% | 3,756 |
| Core capital (leverage) ratio | 9.8745% | 3,551 |
| Tier 1 risk-based capital ratio | 14.3952% | 3,367 |
| Total risk-based capital ratio | 15.6544% | 3,287 |
| Memoranda: | ||
| Average total assets | $32,524,500 | 7,546 |
| Average earning assets | $29,632,500 | 7,537 |
| Average equity | $3,432,000 | 7,646 |
| Average total loans | $20,024,500 | 7,357 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7304% | 6,677 |
| Cost of funding earning assets | 2.4942% | 4,240 |
| Net interest margin | 3.2362% | 6,256 |
| Noninterest income to average assets | 0.1954% | 7,056 |
| Noninterest expense to average assets | 2.6995% | 5,268 |
| Loan and lease loss provision to assets | 0.2901% | 4,061 |
| Net operating income to assets | 0.2290% | 5,760 |
| Return on assets (ROA) | 0.2290% | 5,585 |
| Pretax return on assets | 0.2290% | 5,667 |
| Return on Equity (ROE) | 2.2321% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.2024% | 3,844 |
| Net charge-offs to loans | 0.8598% | 1,457 |
| Credit loss provision to net charge-offs | 56.5476% | 6,272 |
| Earnings coverage of net charge-offs (x) | 1.0119% | 5,620 |
| Efficiency ratio | 83.8710% | 2,068 |
| Assets per employee ($millions) | 2.4065% | 7,390 |
| Cash dividends to net income (ytd only)* | 1.3333% | 4,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2532% | 899 |
| Loan loss allowance to noncurrent loans | 43.6959% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 3.4011% | 1,315 |
| Noncurrent loans to loans | 5.1566% | 829 |
| Net loans and leases to total assets | 62.9555% | 5,459 |
| Net loans and leases to deposits | 75.5553% | 5,643 |
| Net loans and leases to core deposits | 96.7053% | 5,182 |
| Total domestic deposits to total assets | 83.3237% | 3,643 |
| Equity capital to assets | 10.9193% | 3,105 |
| Core capital (leverage) ratio | 10.4647% | 3,009 |
| Tier 1 risk-based capital ratio | 14.6428% | 3,234 |
| Total risk-based capital ratio | 15.9012% | 3,145 |
| Memoranda: | ||
| Average total assets | $32,747,200 | 7,523 |
| Average earning assets | $30,591,000 | 7,487 |
| Average equity | $3,360,000 | 7,730 |
| Average total loans | $19,538,600 | 7,367 |