Home > Columbia National Bank > Performance and Condition Ratios
Columbia National Bank, Performance and Condition Ratios
| 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 | 3.9204% | 4,508 |
| Cost of funding earning assets | 0.1845% | 5,066 |
| Net interest margin | 3.7358% | 2,804 |
| Noninterest income to average assets | 0.3707% | 3,496 |
| Noninterest expense to average assets | 2.8059% | 2,547 |
| Loan and lease loss provision to assets | 0.0513% | 2,881 |
| Net operating income to assets | 1.0721% | 2,678 |
| Return on assets (ROA) | 1.0693% | 2,778 |
| Pretax return on assets | 1.0893% | 3,325 |
| Return on Equity (ROE) | 8.1171% | 3,256 |
| Retained earnings to average equity (ytd only) | -1.3637% | 4,887 |
| Net charge-offs to loans | 0.0048% | 3,228 |
| Credit loss provision to net charge-offs | 1,800.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 401.9925% | 247 |
| Efficiency ratio | 71.0469% | 1,964 |
| Assets per employee ($millions) | 3.5035% | 4,498 |
| Cash dividends to net income (ytd only)* | 116.8003% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 1,784 |
| Loan loss allowance to noncurrent loans | 118.9103% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 1,696 |
| Noncurrent loans to loans | 1.1316% | 1,402 |
| Net loans and leases to total assets | 59.7220% | 3,701 |
| Net loans and leases to deposits | 69.5375% | 3,795 |
| Net loans and leases to core deposits | 70.4762% | 4,034 |
| Total domestic deposits to total assets | 85.8846% | 2,042 |
| Equity capital to assets | 13.7070% | 1,268 |
| Core capital (leverage) ratio | 13.6469% | 1,095 |
| Tier 1 risk-based capital ratio | 22.7074% | 984 |
| Total risk-based capital ratio | 23.9596% | 959 |
| Memoranda: | ||
| Average total assets | $46,758,000 | 4,873 |
| Average earning assets | $44,790,750 | 4,839 |
| Average equity | $6,159,750 | 4,803 |
| Average total loans | $27,937,250 | 4,750 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 4,578 |
| Cost of funding earning assets | 0.1775% | 5,120 |
| Net interest margin | 3.7096% | 2,905 |
| Noninterest income to average assets | 0.3774% | 3,422 |
| Noninterest expense to average assets | 2.7904% | 2,624 |
| Loan and lease loss provision to assets | 0.0509% | 2,798 |
| Net operating income to assets | 1.0601% | 2,679 |
| Return on assets (ROA) | 1.0559% | 2,761 |
| Pretax return on assets | 1.0771% | 3,300 |
| Return on Equity (ROE) | 8.1213% | 3,234 |
| Retained earnings to average equity (ytd only) | -4.5336% | 5,041 |
| Net charge-offs to loans | 0.0071% | 2,893 |
| Credit loss provision to net charge-offs | 1,200.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 300 |
| Efficiency ratio | 71.1351% | 2,048 |
| Assets per employee ($millions) | 3.0626% | 4,869 |
| Cash dividends to net income (ytd only)* | 155.8233% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 1,922 |
| Loan loss allowance to noncurrent loans | 139.3130% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.7488% | 1,861 |
| Noncurrent loans to loans | 0.9483% | 1,717 |
| Net loans and leases to total assets | 59.3439% | 3,799 |
| Net loans and leases to deposits | 68.8261% | 3,913 |
| Net loans and leases to core deposits | 69.7381% | 4,121 |
| Total domestic deposits to total assets | 86.2230% | 1,924 |
| Equity capital to assets | 13.4069% | 1,372 |
| Core capital (leverage) ratio | 13.0250% | 1,289 |
| Tier 1 risk-based capital ratio | 22.3621% | 1,016 |
| Total risk-based capital ratio | 23.6142% | 993 |
| Memoranda: | ||
| Average total assets | $47,162,000 | 4,908 |
| Average earning assets | $45,072,000 | 4,873 |
| Average equity | $6,132,000 | 4,837 |
| Average total loans | $28,059,000 | 4,787 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 4,818 |
| Cost of funding earning assets | 0.1670% | 5,185 |
| Net interest margin | 3.5512% | 3,428 |
| Noninterest income to average assets | 0.3014% | 3,871 |
| Noninterest expense to average assets | 2.7798% | 2,640 |
| Loan and lease loss provision to assets | 0.0502% | 2,650 |
| Net operating income to assets | 0.8371% | 3,495 |
| Return on assets (ROA) | 0.8289% | 3,559 |
| Pretax return on assets | 0.8457% | 3,928 |
| Return on Equity (ROE) | 6.4722% | 3,850 |
| Retained earnings to average equity (ytd only) | -13.6635% | 5,190 |
| Net charge-offs to loans | 0.0141% | 2,202 |
| Credit loss provision to net charge-offs | 600.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 638 |
| Efficiency ratio | 75.4545% | 1,561 |
| Assets per employee ($millions) | 3.1801% | 4,848 |
| Cash dividends to net income (ytd only)* | 311.1111% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,068 |
| Loan loss allowance to noncurrent loans | 106.4897% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 1,601 |
| Noncurrent loans to loans | 1.2263% | 1,342 |
| Net loans and leases to total assets | 57.1980% | 3,967 |
| Net loans and leases to deposits | 65.7715% | 4,071 |
| Net loans and leases to core deposits | 66.5999% | 4,253 |
| Total domestic deposits to total assets | 86.9646% | 1,834 |
| Equity capital to assets | 12.6685% | 1,644 |
| Core capital (leverage) ratio | 12.8815% | 1,329 |
| Tier 1 risk-based capital ratio | 21.7084% | 1,085 |
| Total risk-based capital ratio | 22.9593% | 1,064 |
| Memoranda: | ||
| Average total assets | $47,773,500 | 4,942 |
| Average earning assets | $45,505,500 | 4,910 |
| Average equity | $6,118,500 | 4,877 |
| Average total loans | $28,275,000 | 4,832 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6729% | 4,704 |
| Cost of funding earning assets | 0.1418% | 5,196 |
| Net interest margin | 3.5311% | 3,599 |
| Noninterest income to average assets | 0.4038% | 3,418 |
| Noninterest expense to average assets | 2.7043% | 3,010 |
| Loan and lease loss provision to assets | 0.0930% | 2,292 |
| Net operating income to assets | 0.9641% | 3,161 |
| Return on assets (ROA) | 0.9641% | 3,161 |
| Pretax return on assets | 0.9768% | 3,681 |
| Return on Equity (ROE) | 7.5569% | 3,637 |
| Retained earnings to average equity (ytd only) | 3.0659% | 3,863 |
| Net charge-offs to loans | 0.0640% | 2,205 |
| Credit loss provision to net charge-offs | 244.4444% | 1,215 |
| Earnings coverage of net charge-offs (x) | 28.1111% | 1,663 |
| Efficiency ratio | 71.6527% | 1,952 |
| Assets per employee ($millions) | 3.1897% | 4,849 |
| Cash dividends to net income (ytd only)* | 59.4298% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 2,512 |
| Loan loss allowance to noncurrent loans | 162.7907% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 2,124 |
| Noncurrent loans to loans | 0.7438% | 2,138 |
| Net loans and leases to total assets | 59.6811% | 3,809 |
| Net loans and leases to deposits | 68.8537% | 3,915 |
| Net loans and leases to core deposits | 69.7178% | 4,130 |
| Total domestic deposits to total assets | 86.6781% | 1,932 |
| Equity capital to assets | 12.9457% | 1,372 |
| Core capital (leverage) ratio | 13.4238% | 1,098 |
| Tier 1 risk-based capital ratio | 22.0201% | 1,031 |
| Total risk-based capital ratio | 23.2713% | 1,010 |
| Memoranda: | ||
| Average total assets | $47,295,600 | 4,989 |
| Average earning assets | $45,142,000 | 4,951 |
| Average equity | $6,034,200 | 4,891 |
| Average total loans | $28,104,200 | 4,863 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6374% | 4,740 |
| Cost of funding earning assets | 0.1361% | 5,256 |
| Net interest margin | 3.5012% | 3,693 |
| Noninterest income to average assets | 0.4184% | 3,366 |
| Noninterest expense to average assets | 2.6831% | 3,023 |
| Loan and lease loss provision to assets | 0.1018% | 1,965 |
| Net operating income to assets | 0.9641% | 3,246 |
| Return on assets (ROA) | 0.9641% | 3,259 |
| Pretax return on assets | 0.9783% | 3,784 |
| Return on Equity (ROE) | 7.5849% | 3,718 |
| Retained earnings to average equity (ytd only) | 1.5570% | 4,707 |
| Net charge-offs to loans | 0.0860% | 1,648 |
| Credit loss provision to net charge-offs | 200.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 21.2217% | 1,931 |
| Efficiency ratio | 71.2998% | 1,996 |
| Assets per employee ($millions) | 3.0875% | 4,975 |
| Cash dividends to net income (ytd only)* | 79.4704% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 2,703 |
| Loan loss allowance to noncurrent loans | 197.1264% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 2,304 |
| Noncurrent loans to loans | 0.6017% | 2,574 |
| Net loans and leases to total assets | 61.7011% | 3,686 |
| Net loans and leases to deposits | 71.2878% | 3,827 |
| Net loans and leases to core deposits | 72.2101% | 4,069 |
| Total domestic deposits to total assets | 86.5521% | 1,950 |
| Equity capital to assets | 13.0225% | 1,326 |
| Core capital (leverage) ratio | 13.2040% | 1,206 |
| Tier 1 risk-based capital ratio | 21.8321% | 1,068 |
| Total risk-based capital ratio | 23.0816% | 1,049 |
| Memoranda: | ||
| Average total assets | $47,158,000 | 5,045 |
| Average earning assets | $45,049,750 | 5,007 |
| Average equity | $5,994,250 | 4,948 |
| Average total loans | $27,904,000 | 4,920 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5795% | 4,797 |
| Cost of funding earning assets | 0.1326% | 5,310 |
| Net interest margin | 3.4469% | 3,809 |
| Noninterest income to average assets | 0.4300% | 3,295 |
| Noninterest expense to average assets | 2.6433% | 3,181 |
| Loan and lease loss provision to assets | 0.1012% | 1,924 |
| Net operating income to assets | 0.9612% | 3,188 |
| Return on assets (ROA) | 0.9612% | 3,193 |
| Pretax return on assets | 0.9739% | 3,735 |
| Return on Equity (ROE) | 7.6229% | 3,666 |
| Retained earnings to average equity (ytd only) | -0.2006% | 4,986 |
| Net charge-offs to loans | 0.1306% | 1,137 |
| Credit loss provision to net charge-offs | 133.3333% | 1,692 |
| Earnings coverage of net charge-offs (x) | 14.1667% | 2,113 |
| Efficiency ratio | 71.0884% | 2,148 |
| Assets per employee ($millions) | 3.0903% | 5,028 |
| Cash dividends to net income (ytd only)* | 102.6316% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 2,877 |
| Loan loss allowance to noncurrent loans | 188.5714% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 2,334 |
| Noncurrent loans to loans | 0.6211% | 2,557 |
| Net loans and leases to total assets | 60.0682% | 3,802 |
| Net loans and leases to deposits | 69.2637% | 3,919 |
| Net loans and leases to core deposits | 70.1555% | 4,133 |
| Total domestic deposits to total assets | 86.7239% | 1,957 |
| Equity capital to assets | 12.9029% | 1,347 |
| Core capital (leverage) ratio | 12.9985% | 1,216 |
| Tier 1 risk-based capital ratio | 21.8125% | 1,061 |
| Total risk-based capital ratio | 23.0621% | 1,040 |
| Memoranda: | ||
| Average total assets | $47,440,000 | 5,099 |
| Average earning assets | $45,257,670 | 5,061 |
| Average equity | $5,982,000 | 5,007 |
| Average total loans | $27,566,000 | 4,978 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 4,856 |
| Cost of funding earning assets | 0.1311% | 5,353 |
| Net interest margin | 3.3819% | 3,941 |
| Noninterest income to average assets | 0.3585% | 3,743 |
| Noninterest expense to average assets | 2.5592% | 3,463 |
| Loan and lease loss provision to assets | 0.1000% | 1,855 |
| Net operating income to assets | 0.9087% | 3,255 |
| Return on assets (ROA) | 0.9087% | 3,263 |
| Pretax return on assets | 0.9253% | 3,763 |
| Return on Equity (ROE) | 7.2879% | 3,670 |
| Retained earnings to average equity (ytd only) | -3.6105% | 5,122 |
| Net charge-offs to loans | 0.0293% | 1,910 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 831 |
| Efficiency ratio | 71.3953% | 2,281 |
| Assets per employee ($millions) | 3.2247% | 4,972 |
| Cash dividends to net income (ytd only)* | 149.5413% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,794 |
| Loan loss allowance to noncurrent loans | 212.1019% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 2,636 |
| Noncurrent loans to loans | 0.5669% | 2,839 |
| Net loans and leases to total assets | 56.5681% | 4,074 |
| Net loans and leases to deposits | 64.7468% | 4,169 |
| Net loans and leases to core deposits | 65.1476% | 4,364 |
| Total domestic deposits to total assets | 87.3682% | 1,970 |
| Equity capital to assets | 12.2721% | 1,621 |
| Core capital (leverage) ratio | 12.6232% | 1,335 |
| Tier 1 risk-based capital ratio | 21.3901% | 1,139 |
| Total risk-based capital ratio | 22.6394% | 1,116 |
| Memoranda: | ||
| Average total assets | $47,983,000 | 5,146 |
| Average earning assets | $45,772,500 | 5,115 |
| Average equity | $5,982,500 | 5,060 |
| Average total loans | $27,262,000 | 5,034 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3553% | 5,005 |
| Cost of funding earning assets | 0.1222% | 5,398 |
| Net interest margin | 3.2331% | 4,352 |
| Noninterest income to average assets | 0.3479% | 3,974 |
| Noninterest expense to average assets | 2.5976% | 3,453 |
| Loan and lease loss provision to assets | 0.1000% | 2,223 |
| Net operating income to assets | 0.7249% | 3,496 |
| Return on assets (ROA) | 0.7249% | 3,535 |
| Pretax return on assets | 0.7353% | 4,429 |
| Return on Equity (ROE) | 5.8714% | 3,817 |
| Retained earnings to average equity (ytd only) | 4.0661% | 2,740 |
| Net charge-offs to loans | 0.0037% | 3,974 |
| Credit loss provision to net charge-offs | 4,800.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 401.0000% | 217 |
| Efficiency ratio | 75.6675% | 1,672 |
| Assets per employee ($millions) | 3.3997% | 4,825 |
| Cash dividends to net income (ytd only)* | 30.7471% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,625 |
| Loan loss allowance to noncurrent loans | 200.6098% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 2,590 |
| Noncurrent loans to loans | 0.6113% | 2,705 |
| Net loans and leases to total assets | 55.6769% | 4,221 |
| Net loans and leases to deposits | 63.9679% | 4,318 |
| Net loans and leases to core deposits | 64.3719% | 4,515 |
| Total domestic deposits to total assets | 87.0388% | 1,977 |
| Equity capital to assets | 12.6670% | 1,423 |
| Core capital (leverage) ratio | 12.8965% | 1,180 |
| Tier 1 risk-based capital ratio | 22.1271% | 1,003 |
| Total risk-based capital ratio | 23.3789% | 978 |
| Memoranda: | ||
| Average total assets | $48,006,600 | 5,191 |
| Average earning assets | $45,808,000 | 5,152 |
| Average equity | $5,927,000 | 5,109 |
| Average total loans | $27,225,000 | 5,087 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3145% | 5,096 |
| Cost of funding earning assets | 0.1220% | 5,465 |
| Net interest margin | 3.1925% | 4,466 |
| Noninterest income to average assets | 0.3243% | 4,217 |
| Noninterest expense to average assets | 2.6217% | 3,345 |
| Loan and lease loss provision to assets | 0.0998% | 2,111 |
| Net operating income to assets | 0.6402% | 4,227 |
| Return on assets (ROA) | 0.6402% | 4,283 |
| Pretax return on assets | 0.6485% | 4,729 |
| Return on Equity (ROE) | 5.2188% | 4,437 |
| Retained earnings to average equity (ytd only) | 2.8015% | 4,238 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7961% | 1,355 |
| Assets per employee ($millions) | 3.4476% | 4,802 |
| Cash dividends to net income (ytd only)* | 46.3197% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 3,415 |
| Loan loss allowance to noncurrent loans | 142.5339% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 2,760 |
| Noncurrent loans to loans | 0.7817% | 2,409 |
| Net loans and leases to total assets | 57.9186% | 4,065 |
| Net loans and leases to deposits | 66.4251% | 4,219 |
| Net loans and leases to core deposits | 66.8364% | 4,434 |
| Total domestic deposits to total assets | 87.1939% | 1,778 |
| Equity capital to assets | 12.4187% | 1,706 |
| Core capital (leverage) ratio | 12.5773% | 1,387 |
| Tier 1 risk-based capital ratio | 21.6965% | 1,081 |
| Total risk-based capital ratio | 22.9446% | 1,061 |
| Memoranda: | ||
| Average total assets | $48,109,250 | 5,247 |
| Average earning assets | $45,898,000 | 5,206 |
| Average equity | $5,901,500 | 5,170 |
| Average total loans | $27,324,000 | 5,142 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2720% | 5,143 |
| Cost of funding earning assets | 0.1222% | 5,495 |
| Net interest margin | 3.1499% | 4,547 |
| Noninterest income to average assets | 0.3038% | 4,362 |
| Noninterest expense to average assets | 2.6260% | 3,352 |
| Loan and lease loss provision to assets | 0.0999% | 2,018 |
| Net operating income to assets | 0.5743% | 4,411 |
| Return on assets (ROA) | 0.5743% | 4,468 |
| Pretax return on assets | 0.5826% | 4,837 |
| Return on Equity (ROE) | 4.7013% | 4,601 |
| Retained earnings to average equity (ytd only) | 1.6352% | 4,602 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3711% | 1,283 |
| Assets per employee ($millions) | 3.4158% | 4,839 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 3,571 |
| Loan loss allowance to noncurrent loans | 243.9024% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 3,157 |
| Noncurrent loans to loans | 0.4520% | 3,395 |
| Net loans and leases to total assets | 56.2765% | 4,200 |
| Net loans and leases to deposits | 64.4846% | 4,343 |
| Net loans and leases to core deposits | 64.8857% | 4,545 |
| Total domestic deposits to total assets | 87.2713% | 1,820 |
| Equity capital to assets | 12.3816% | 1,682 |
| Core capital (leverage) ratio | 12.3265% | 1,460 |
| Tier 1 risk-based capital ratio | 21.8967% | 1,063 |
| Total risk-based capital ratio | 23.1243% | 1,047 |
| Memoranda: | ||
| Average total assets | $48,057,000 | 5,291 |
| Average earning assets | $45,843,000 | 5,243 |
| Average equity | $5,870,670 | 5,207 |
| Average total loans | $27,008,670 | 5,191 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2142% | 5,222 |
| Cost of funding earning assets | 0.1216% | 5,548 |
| Net interest margin | 3.0926% | 4,673 |
| Noninterest income to average assets | 0.2906% | 4,475 |
| Noninterest expense to average assets | 2.4660% | 3,924 |
| Loan and lease loss provision to assets | 0.0996% | 1,895 |
| Net operating income to assets | 0.6725% | 3,822 |
| Return on assets (ROA) | 0.6725% | 3,862 |
| Pretax return on assets | 0.6809% | 4,503 |
| Return on Equity (ROE) | 5.5427% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.3530% | 3,761 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9591% | 1,914 |
| Assets per employee ($millions) | 3.5066% | 4,784 |
| Cash dividends to net income (ytd only)* | 39.5062% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,708 |
| Loan loss allowance to noncurrent loans | 271.2963% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 3,236 |
| Noncurrent loans to loans | 0.4060% | 3,637 |
| Net loans and leases to total assets | 53.5831% | 4,373 |
| Net loans and leases to deposits | 61.1360% | 4,487 |
| Net loans and leases to core deposits | 61.5048% | 4,691 |
| Total domestic deposits to total assets | 87.6456% | 1,919 |
| Equity capital to assets | 11.9877% | 1,858 |
| Core capital (leverage) ratio | 12.3203% | 1,435 |
| Tier 1 risk-based capital ratio | 21.5574% | 1,147 |
| Total risk-based capital ratio | 22.7256% | 1,134 |
| Memoranda: | ||
| Average total assets | $48,175,000 | 5,345 |
| Average earning assets | $46,046,000 | 5,294 |
| Average equity | $5,845,500 | 5,259 |
| Average total loans | $26,907,000 | 5,241 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2864% | 5,178 |
| Cost of funding earning assets | 0.1319% | 5,535 |
| Net interest margin | 3.1545% | 4,577 |
| Noninterest income to average assets | 1.1951% | 795 |
| Noninterest expense to average assets | 2.8373% | 2,892 |
| Loan and lease loss provision to assets | 0.1003% | 2,374 |
| Net operating income to assets | 1.2515% | 1,354 |
| Return on assets (ROA) | 1.2515% | 1,432 |
| Pretax return on assets | 1.2557% | 2,447 |
| Return on Equity (ROE) | 10.2660% | 1,857 |
| Retained earnings to average equity (ytd only) | 4.8673% | 2,434 |
| Net charge-offs to loans | 0.1001% | 2,279 |
| Credit loss provision to net charge-offs | 177.7778% | 1,573 |
| Earnings coverage of net charge-offs (x) | 24.0370% | 1,657 |
| Efficiency ratio | 67.6632% | 3,313 |
| Assets per employee ($millions) | 3.6352% | 4,561 |
| Cash dividends to net income (ytd only)* | 52.5876% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 4,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 4,126 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 56.9956% | 4,164 |
| Net loans and leases to deposits | 65.2258% | 4,314 |
| Net loans and leases to core deposits | 65.6343% | 4,545 |
| Total domestic deposits to total assets | 87.3820% | 1,940 |
| Equity capital to assets | 12.2858% | 1,640 |
| Core capital (leverage) ratio | 12.2375% | 1,458 |
| Tier 1 risk-based capital ratio | 21.9754% | 1,087 |
| Total risk-based capital ratio | 23.1274% | 1,076 |
| Memoranda: | ||
| Average total assets | $47,861,800 | 5,388 |
| Average earning assets | $45,490,400 | 5,346 |
| Average equity | $5,834,800 | 5,303 |
| Average total loans | $26,985,000 | 5,294 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2632% | 5,260 |
| Cost of funding earning assets | 0.1316% | 5,604 |
| Net interest margin | 3.1317% | 4,696 |
| Noninterest income to average assets | 1.4996% | 535 |
| Noninterest expense to average assets | 2.8075% | 2,979 |
| Loan and lease loss provision to assets | 0.1000% | 2,235 |
| Net operating income to assets | 1.5634% | 779 |
| Return on assets (ROA) | 1.5634% | 818 |
| Pretax return on assets | 1.5662% | 1,476 |
| Return on Equity (ROE) | 12.8492% | 1,098 |
| Retained earnings to average equity (ytd only) | 5.6600% | 2,389 |
| Net charge-offs to loans | 0.1337% | 1,635 |
| Credit loss provision to net charge-offs | 133.3333% | 1,942 |
| Earnings coverage of net charge-offs (x) | 22.2217% | 1,770 |
| Efficiency ratio | 62.7561% | 4,102 |
| Assets per employee ($millions) | 3.4490% | 4,839 |
| Cash dividends to net income (ytd only)* | 55.9502% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 4,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 4,064 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 56.0100% | 4,306 |
| Net loans and leases to deposits | 64.0543% | 4,485 |
| Net loans and leases to core deposits | 64.4466% | 4,703 |
| Total domestic deposits to total assets | 87.4415% | 1,695 |
| Equity capital to assets | 12.2044% | 1,979 |
| Core capital (leverage) ratio | 11.9815% | 1,691 |
| Tier 1 risk-based capital ratio | 21.7043% | 1,168 |
| Total risk-based capital ratio | 22.8081% | 1,169 |
| Memoranda: | ||
| Average total assets | $48,012,750 | 5,440 |
| Average earning assets | $45,597,500 | 5,395 |
| Average equity | $5,842,000 | 5,362 |
| Average total loans | $26,927,250 | 5,350 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2571% | 5,353 |
| Cost of funding earning assets | 0.1322% | 5,673 |
| Net interest margin | 3.1249% | 4,763 |
| Noninterest income to average assets | 2.0993% | 326 |
| Noninterest expense to average assets | 2.9006% | 2,671 |
| Loan and lease loss provision to assets | 0.1002% | 2,164 |
| Net operating income to assets | 2.0534% | 300 |
| Return on assets (ROA) | 2.0534% | 312 |
| Pretax return on assets | 2.0575% | 513 |
| Return on Equity (ROE) | 16.8927% | 448 |
| Retained earnings to average equity (ytd only) | 6.7639% | 1,733 |
| Net charge-offs to loans | 0.1940% | 1,183 |
| Credit loss provision to net charge-offs | 92.3077% | 2,215 |
| Earnings coverage of net charge-offs (x) | 19.8846% | 1,750 |
| Efficiency ratio | 57.3432% | 4,989 |
| Assets per employee ($millions) | 3.4775% | 4,786 |
| Cash dividends to net income (ytd only)* | 59.9593% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 4,738 |
| Loan loss allowance to noncurrent loans | 25,600.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 3,045 |
| Noncurrent loans to loans | 0.0037% | 5,502 |
| Net loans and leases to total assets | 54.5527% | 4,456 |
| Net loans and leases to deposits | 62.2924% | 4,633 |
| Net loans and leases to core deposits | 62.6687% | 4,843 |
| Total domestic deposits to total assets | 87.5752% | 1,639 |
| Equity capital to assets | 12.0468% | 2,095 |
| Core capital (leverage) ratio | 11.8544% | 1,726 |
| Tier 1 risk-based capital ratio | 21.2680% | 1,230 |
| Total risk-based capital ratio | 22.3148% | 1,240 |
| Memoranda: | ||
| Average total assets | $47,921,670 | 5,502 |
| Average earning assets | $45,377,670 | 5,468 |
| Average equity | $5,825,000 | 5,420 |
| Average total loans | $26,799,000 | 5,411 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2597% | 5,397 |
| Cost of funding earning assets | 0.1340% | 5,725 |
| Net interest margin | 3.1257% | 4,794 |
| Noninterest income to average assets | 3.9462% | 154 |
| Noninterest expense to average assets | 3.1889% | 1,859 |
| Loan and lease loss provision to assets | 0.1010% | 2,007 |
| Net operating income to assets | 3.6012% | 63 |
| Return on assets (ROA) | 3.6012% | 61 |
| Pretax return on assets | 3.6012% | 89 |
| Return on Equity (ROE) | 29.4918% | 54 |
| Retained earnings to average equity (ytd only) | 26.5978% | 40 |
| Net charge-offs to loans | 0.3285% | 673 |
| Credit loss provision to net charge-offs | 54.5455% | 2,015 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,483 |
| Efficiency ratio | 46.2759% | 5,799 |
| Assets per employee ($millions) | 3.5041% | 4,798 |
| Cash dividends to net income (ytd only)* | 9.8131% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 4,836 |
| Loan loss allowance to noncurrent loans | 12,500.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 2,921 |
| Noncurrent loans to loans | 0.0076% | 5,492 |
| Net loans and leases to total assets | 53.0413% | 4,534 |
| Net loans and leases to deposits | 60.6847% | 4,664 |
| Net loans and leases to core deposits | 61.0478% | 4,872 |
| Total domestic deposits to total assets | 87.4047% | 1,989 |
| Equity capital to assets | 12.2365% | 1,867 |
| Core capital (leverage) ratio | 12.5527% | 1,318 |
| Tier 1 risk-based capital ratio | 22.1084% | 1,147 |
| Total risk-based capital ratio | 23.1326% | 1,159 |
| Memoranda: | ||
| Average total assets | $47,540,000 | 5,563 |
| Average earning assets | $44,789,500 | 5,528 |
| Average equity | $5,805,000 | 5,451 |
| Average total loans | $26,791,000 | 5,455 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3319% | 5,291 |
| Cost of funding earning assets | 0.1492% | 5,686 |
| Net interest margin | 3.1827% | 4,678 |
| Noninterest income to average assets | 0.3343% | 4,509 |
| Noninterest expense to average assets | 2.7054% | 3,565 |
| Loan and lease loss provision to assets | 0.0752% | 2,766 |
| Net operating income to assets | 0.5369% | 4,552 |
| Return on assets (ROA) | 0.5369% | 4,640 |
| Pretax return on assets | 0.5390% | 5,019 |
| Return on Equity (ROE) | 4.6675% | 4,673 |
| Retained earnings to average equity (ytd only) | 3.7594% | 3,370 |
| Net charge-offs to loans | 0.0967% | 2,453 |
| Credit loss provision to net charge-offs | 138.4615% | 1,891 |
| Earnings coverage of net charge-offs (x) | 11.3077% | 2,596 |
| Efficiency ratio | 81.4978% | 1,473 |
| Assets per employee ($millions) | 3.2873% | 5,172 |
| Cash dividends to net income (ytd only)* | 19.4553% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 4,860 |
| Loan loss allowance to noncurrent loans | 151.1628% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.9191% | 2,367 |
| Noncurrent loans to loans | 0.6298% | 3,296 |
| Net loans and leases to total assets | 58.7784% | 3,995 |
| Net loans and leases to deposits | 67.1274% | 4,209 |
| Net loans and leases to core deposits | 67.5549% | 4,477 |
| Total domestic deposits to total assets | 87.5625% | 1,861 |
| Equity capital to assets | 12.1833% | 1,823 |
| Core capital (leverage) ratio | 11.8224% | 1,741 |
| Tier 1 risk-based capital ratio | 20.4477% | 1,397 |
| Total risk-based capital ratio | 21.4972% | 1,413 |
| Memoranda: | ||
| Average total assets | $47,868,000 | 5,591 |
| Average earning assets | $44,899,200 | 5,557 |
| Average equity | $5,506,200 | 5,538 |
| Average total loans | $26,888,600 | 5,491 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2334% | 5,537 |
| Cost of funding earning assets | 0.1498% | 5,781 |
| Net interest margin | 3.0837% | 5,004 |
| Noninterest income to average assets | 0.2952% | 4,831 |
| Noninterest expense to average assets | 2.5657% | 3,999 |
| Loan and lease loss provision to assets | 0.0993% | 2,194 |
| Net operating income to assets | 0.5242% | 4,702 |
| Return on assets (ROA) | 0.5242% | 4,790 |
| Pretax return on assets | 0.5269% | 5,157 |
| Return on Equity (ROE) | 4.6220% | 4,789 |
| Retained earnings to average equity (ytd only) | 3.4056% | 4,047 |
| Net charge-offs to loans | 0.1294% | 1,843 |
| Credit loss provision to net charge-offs | 138.4615% | 1,784 |
| Earnings coverage of net charge-offs (x) | 8.7297% | 2,773 |
| Efficiency ratio | 80.3803% | 1,605 |
| Assets per employee ($millions) | 3.6271% | 4,563 |
| Cash dividends to net income (ytd only)* | 26.3175% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 5,056 |
| Loan loss allowance to noncurrent loans | 132.1429% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.0201% | 2,319 |
| Noncurrent loans to loans | 0.7062% | 3,215 |
| Net loans and leases to total assets | 58.3114% | 4,102 |
| Net loans and leases to deposits | 66.3313% | 4,354 |
| Net loans and leases to core deposits | 66.7403% | 4,641 |
| Total domestic deposits to total assets | 87.9093% | 1,614 |
| Equity capital to assets | 11.8065% | 2,258 |
| Core capital (leverage) ratio | 11.4371% | 2,092 |
| Tier 1 risk-based capital ratio | 19.8293% | 1,593 |
| Total risk-based capital ratio | 20.8594% | 1,614 |
| Memoranda: | ||
| Average total assets | $48,329,500 | 5,650 |
| Average earning assets | $45,399,500 | 5,618 |
| Average equity | $5,481,000 | 5,617 |
| Average total loans | $26,783,000 | 5,550 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1284% | 5,708 |
| Cost of funding earning assets | 0.1446% | 5,895 |
| Net interest margin | 2.9838% | 5,263 |
| Noninterest income to average assets | 0.2873% | 4,907 |
| Noninterest expense to average assets | 2.5163% | 4,189 |
| Loan and lease loss provision to assets | 0.0985% | 2,177 |
| Net operating income to assets | 0.4556% | 4,957 |
| Return on assets (ROA) | 0.4556% | 5,052 |
| Pretax return on assets | 0.4680% | 5,309 |
| Return on Equity (ROE) | 4.0717% | 4,989 |
| Retained earnings to average equity (ytd only) | 2.8245% | 4,243 |
| Net charge-offs to loans | 0.2041% | 1,236 |
| Credit loss provision to net charge-offs | 88.8889% | 2,215 |
| Earnings coverage of net charge-offs (x) | 5.1111% | 2,957 |
| Efficiency ratio | 81.6245% | 1,539 |
| Assets per employee ($millions) | 3.7122% | 4,398 |
| Cash dividends to net income (ytd only)* | 30.6306% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 5,156 |
| Loan loss allowance to noncurrent loans | 119.8068% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0195% | 2,469 |
| Noncurrent loans to loans | 0.7823% | 3,149 |
| Net loans and leases to total assets | 54.3143% | 4,519 |
| Net loans and leases to deposits | 61.4604% | 4,738 |
| Net loans and leases to core deposits | 62.2072% | 4,934 |
| Total domestic deposits to total assets | 88.3729% | 1,452 |
| Equity capital to assets | 11.3660% | 2,520 |
| Core capital (leverage) ratio | 10.9928% | 2,426 |
| Tier 1 risk-based capital ratio | 19.9523% | 1,559 |
| Total risk-based capital ratio | 20.9533% | 1,581 |
| Memoranda: | ||
| Average total assets | $48,722,000 | 5,708 |
| Average earning assets | $45,646,330 | 5,665 |
| Average equity | $5,452,330 | 5,673 |
| Average total loans | $26,459,330 | 5,613 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1071% | 5,774 |
| Cost of funding earning assets | 0.1484% | 5,942 |
| Net interest margin | 2.9587% | 5,325 |
| Noninterest income to average assets | 0.3105% | 4,704 |
| Noninterest expense to average assets | 2.5166% | 4,214 |
| Loan and lease loss provision to assets | 0.0981% | 2,061 |
| Net operating income to assets | 0.4494% | 4,876 |
| Return on assets (ROA) | 0.4494% | 4,992 |
| Pretax return on assets | 0.4657% | 5,271 |
| Return on Equity (ROE) | 4.0471% | 4,962 |
| Retained earnings to average equity (ytd only) | 4.0471% | 3,578 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6976% | 1,659 |
| Assets per employee ($millions) | 3.5563% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 5,008 |
| Loan loss allowance to noncurrent loans | 123.3645% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.0022% | 2,624 |
| Noncurrent loans to loans | 0.8125% | 3,216 |
| Net loans and leases to total assets | 52.3680% | 4,626 |
| Net loans and leases to deposits | 59.0194% | 4,829 |
| Net loans and leases to core deposits | 59.7087% | 5,011 |
| Total domestic deposits to total assets | 88.7302% | 1,437 |
| Equity capital to assets | 11.0107% | 2,957 |
| Core capital (leverage) ratio | 11.1951% | 2,235 |
| Tier 1 risk-based capital ratio | 19.8768% | 1,658 |
| Total risk-based capital ratio | 20.9330% | 1,657 |
| Memoranda: | ||
| Average total assets | $48,954,000 | 5,746 |
| Average earning assets | $45,831,000 | 5,711 |
| Average equity | $5,436,000 | 5,729 |
| Average total loans | $26,459,500 | 5,657 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3827% | 5,565 |
| Cost of funding earning assets | 0.1554% | 6,067 |
| Net interest margin | 3.2273% | 4,840 |
| Noninterest income to average assets | 0.3562% | 4,552 |
| Noninterest expense to average assets | 2.7063% | 3,838 |
| Loan and lease loss provision to assets | 0.1433% | 1,852 |
| Net operating income to assets | 0.5122% | 4,766 |
| Return on assets (ROA) | 0.5122% | 4,848 |
| Pretax return on assets | 0.5269% | 5,177 |
| Return on Equity (ROE) | 4.5756% | 4,851 |
| Retained earnings to average equity (ytd only) | 3.4458% | 3,756 |
| Net charge-offs to loans | 0.3841% | 1,113 |
| Credit loss provision to net charge-offs | 65.3846% | 3,176 |
| Earnings coverage of net charge-offs (x) | 3.0577% | 3,988 |
| Efficiency ratio | 80.1498% | 1,906 |
| Assets per employee ($millions) | 3.4371% | 4,997 |
| Cash dividends to net income (ytd only)* | 24.6914% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 5,286 |
| Loan loss allowance to noncurrent loans | 120.4762% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.0287% | 2,687 |
| Noncurrent loans to loans | 0.7900% | 3,334 |
| Net loans and leases to total assets | 54.7153% | 4,490 |
| Net loans and leases to deposits | 61.7718% | 4,746 |
| Net loans and leases to core deposits | 62.5184% | 4,962 |
| Total domestic deposits to total assets | 88.5765% | 1,478 |
| Equity capital to assets | 11.2012% | 2,694 |
| Core capital (leverage) ratio | 11.2182% | 2,204 |
| Tier 1 risk-based capital ratio | 18.8576% | 1,890 |
| Total risk-based capital ratio | 19.8278% | 1,935 |
| Memoranda: | ||
| Average total assets | $47,444,600 | 5,844 |
| Average earning assets | $44,403,000 | 5,820 |
| Average equity | $5,310,800 | 5,786 |
| Average total loans | $27,076,200 | 5,692 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4024% | 5,590 |
| Cost of funding earning assets | 0.1563% | 6,146 |
| Net interest margin | 3.2461% | 4,801 |
| Noninterest income to average assets | 0.3723% | 4,449 |
| Noninterest expense to average assets | 2.7638% | 3,593 |
| Loan and lease loss provision to assets | 0.1015% | 2,340 |
| Net operating income to assets | 0.5359% | 4,734 |
| Return on assets (ROA) | 0.5359% | 4,804 |
| Pretax return on assets | 0.5528% | 5,179 |
| Return on Equity (ROE) | 4.7879% | 4,821 |
| Retained earnings to average equity (ytd only) | 3.2759% | 4,294 |
| Net charge-offs to loans | 0.1618% | 2,183 |
| Credit loss provision to net charge-offs | 109.0909% | 2,052 |
| Earnings coverage of net charge-offs (x) | 7.0302% | 2,988 |
| Efficiency ratio | 80.8581% | 1,781 |
| Assets per employee ($millions) | 3.3593% | 5,121 |
| Cash dividends to net income (ytd only)* | 31.5794% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 5,000 |
| Loan loss allowance to noncurrent loans | 51.1464% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.2056% | 2,536 |
| Noncurrent loans to loans | 2.0494% | 1,529 |
| Net loans and leases to total assets | 58.2118% | 4,041 |
| Net loans and leases to deposits | 65.9004% | 4,336 |
| Net loans and leases to core deposits | 66.3026% | 4,678 |
| Total domestic deposits to total assets | 88.3330% | 1,586 |
| Equity capital to assets | 11.4055% | 2,577 |
| Core capital (leverage) ratio | 11.3166% | 2,201 |
| Tier 1 risk-based capital ratio | 18.5462% | 2,036 |
| Total risk-based capital ratio | 19.6460% | 2,053 |
| Memoranda: | ||
| Average total assets | $47,275,750 | 5,918 |
| Average earning assets | $44,360,250 | 5,890 |
| Average equity | $5,291,000 | 5,849 |
| Average total loans | $27,199,750 | 5,745 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4078% | 5,611 |
| Cost of funding earning assets | 0.1580% | 6,212 |
| Net interest margin | 3.2498% | 4,783 |
| Noninterest income to average assets | 0.3801% | 4,403 |
| Noninterest expense to average assets | 2.8380% | 3,381 |
| Loan and lease loss provision to assets | 0.1014% | 2,329 |
| Net operating income to assets | 0.4645% | 4,954 |
| Return on assets (ROA) | 0.4645% | 5,028 |
| Pretax return on assets | 0.4814% | 5,329 |
| Return on Equity (ROE) | 4.1772% | 5,073 |
| Retained earnings to average equity (ytd only) | 1.8987% | 4,933 |
| Net charge-offs to loans | 0.0222% | 3,766 |
| Credit loss provision to net charge-offs | 800.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 962 |
| Efficiency ratio | 82.9630% | 1,637 |
| Assets per employee ($millions) | 3.3669% | 5,124 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 4,507 |
| Loan loss allowance to noncurrent loans | 46.8892% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 1.3981% | 2,340 |
| Noncurrent loans to loans | 2.5215% | 1,228 |
| Net loans and leases to total assets | 54.7904% | 4,435 |
| Net loans and leases to deposits | 61.8943% | 4,702 |
| Net loans and leases to core deposits | 62.2688% | 4,948 |
| Total domestic deposits to total assets | 88.5226% | 1,622 |
| Equity capital to assets | 11.2228% | 2,679 |
| Core capital (leverage) ratio | 10.8985% | 2,530 |
| Tier 1 risk-based capital ratio | 18.9224% | 1,938 |
| Total risk-based capital ratio | 20.1266% | 1,918 |
| Memoranda: | ||
| Average total assets | $47,357,670 | 5,974 |
| Average earning assets | $44,310,670 | 5,942 |
| Average equity | $5,266,670 | 5,897 |
| Average total loans | $27,044,000 | 5,790 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3025% | 5,838 |
| Cost of funding earning assets | 0.1710% | 6,223 |
| Net interest margin | 3.1315% | 5,141 |
| Noninterest income to average assets | 0.3876% | 4,292 |
| Noninterest expense to average assets | 2.6375% | 4,159 |
| Loan and lease loss provision to assets | 0.1011% | 2,235 |
| Net operating income to assets | 0.5562% | 4,427 |
| Return on assets (ROA) | 0.5562% | 4,504 |
| Pretax return on assets | 0.5814% | 4,893 |
| Return on Equity (ROE) | 5.0238% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.9477% | 3,142 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4416% | 2,282 |
| Assets per employee ($millions) | 3.2601% | 5,427 |
| Cash dividends to net income (ytd only)* | 1.5152% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 5,066 |
| Loan loss allowance to noncurrent loans | 37.2840% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 2.3455% | 1,393 |
| Noncurrent loans to loans | 2.9839% | 1,061 |
| Net loans and leases to total assets | 54.8935% | 4,292 |
| Net loans and leases to deposits | 61.7160% | 4,583 |
| Net loans and leases to core deposits | 62.8003% | 4,807 |
| Total domestic deposits to total assets | 88.9452% | 1,698 |
| Equity capital to assets | 10.8176% | 2,916 |
| Core capital (leverage) ratio | 11.2563% | 2,167 |
| Tier 1 risk-based capital ratio | 18.1381% | 2,234 |
| Total risk-based capital ratio | 19.2582% | 2,273 |
| Memoranda: | ||
| Average total assets | $47,468,500 | 6,025 |
| Average earning assets | $44,451,000 | 5,989 |
| Average equity | $5,255,000 | 5,936 |
| Average total loans | $27,498,500 | 5,827 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3992% | 5,839 |
| Cost of funding earning assets | 0.1981% | 6,304 |
| Net interest margin | 3.2012% | 4,999 |
| Noninterest income to average assets | 0.2396% | 5,633 |
| Noninterest expense to average assets | 2.8455% | 3,547 |
| Loan and lease loss provision to assets | 0.0864% | 3,381 |
| Net operating income to assets | 0.3087% | 5,492 |
| Return on assets (ROA) | 0.3087% | 5,587 |
| Pretax return on assets | 0.3087% | 5,711 |
| Return on Equity (ROE) | 2.7479% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.4020% | 4,536 |
| Net charge-offs to loans | 0.1136% | 3,680 |
| Credit loss provision to net charge-offs | 133.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | 6.1000% | 3,126 |
| Efficiency ratio | 87.8081% | 1,238 |
| Assets per employee ($millions) | 3.0690% | 5,728 |
| Cash dividends to net income (ytd only)* | 12.5874% | 3,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 5,415 |
| Loan loss allowance to noncurrent loans | 40.8250% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 2.5068% | 1,364 |
| Noncurrent loans to loans | 2.5241% | 1,488 |
| Net loans and leases to total assets | 59.8762% | 3,743 |
| Net loans and leases to deposits | 67.7049% | 4,093 |
| Net loans and leases to core deposits | 68.5467% | 4,444 |
| Total domestic deposits to total assets | 88.4371% | 1,931 |
| Equity capital to assets | 11.3392% | 2,305 |
| Core capital (leverage) ratio | 11.1090% | 2,282 |
| Tier 1 risk-based capital ratio | 17.7051% | 2,340 |
| Total risk-based capital ratio | 18.7709% | 2,382 |
| Memoranda: | ||
| Average total assets | $46,319,000 | 6,107 |
| Average earning assets | $43,421,400 | 6,068 |
| Average equity | $5,204,000 | 6,021 |
| Average total loans | $26,398,400 | 5,914 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3511% | 5,974 |
| Cost of funding earning assets | 0.2052% | 6,379 |
| Net interest margin | 3.1458% | 5,160 |
| Noninterest income to average assets | 0.2932% | 5,350 |
| Noninterest expense to average assets | 2.8454% | 3,507 |
| Loan and lease loss provision to assets | 0.1035% | 3,037 |
| Net operating income to assets | 0.2960% | 5,631 |
| Return on assets (ROA) | 0.2960% | 5,745 |
| Pretax return on assets | 0.2960% | 5,890 |
| Return on Equity (ROE) | 2.6410% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.1794% | 5,012 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6882% | 1,200 |
| Assets per employee ($millions) | 2.9271% | 5,965 |
| Cash dividends to net income (ytd only)* | 17.4762% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 5,119 |
| Loan loss allowance to noncurrent loans | 30.4390% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 2.6114% | 1,449 |
| Noncurrent loans to loans | 3.7802% | 968 |
| Net loans and leases to total assets | 57.2298% | 4,136 |
| Net loans and leases to deposits | 64.5638% | 4,457 |
| Net loans and leases to core deposits | 65.3509% | 4,771 |
| Total domestic deposits to total assets | 88.6407% | 1,758 |
| Equity capital to assets | 11.0838% | 2,685 |
| Core capital (leverage) ratio | 10.9921% | 2,489 |
| Tier 1 risk-based capital ratio | 17.6985% | 2,440 |
| Total risk-based capital ratio | 18.8616% | 2,441 |
| Memoranda: | ||
| Average total assets | $46,390,000 | 6,178 |
| Average earning assets | $43,527,500 | 6,133 |
| Average equity | $5,200,000 | 6,090 |
| Average total loans | $26,035,250 | 5,991 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3451% | 6,009 |
| Cost of funding earning assets | 0.2068% | 6,440 |
| Net interest margin | 3.1383% | 5,164 |
| Noninterest income to average assets | 0.3028% | 5,285 |
| Noninterest expense to average assets | 2.8329% | 3,565 |
| Loan and lease loss provision to assets | 0.1038% | 3,064 |
| Net operating income to assets | 0.3201% | 5,523 |
| Return on assets (ROA) | 0.3201% | 5,677 |
| Pretax return on assets | 0.3201% | 5,818 |
| Return on Equity (ROE) | 2.8445% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.3832% | 4,785 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9854% | 1,319 |
| Assets per employee ($millions) | 2.8983% | 6,025 |
| Cash dividends to net income (ytd only)* | 16.2162% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 4,933 |
| Loan loss allowance to noncurrent loans | 28.0636% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 2.7323% | 1,518 |
| Noncurrent loans to loans | 4.3126% | 841 |
| Net loans and leases to total assets | 52.8077% | 4,767 |
| Net loans and leases to deposits | 59.6062% | 5,015 |
| Net loans and leases to core deposits | 60.3405% | 5,235 |
| Total domestic deposits to total assets | 88.5944% | 1,854 |
| Equity capital to assets | 11.0692% | 2,688 |
| Core capital (leverage) ratio | 10.8673% | 2,486 |
| Tier 1 risk-based capital ratio | 18.5554% | 2,122 |
| Total risk-based capital ratio | 19.7369% | 2,107 |
| Memoranda: | ||
| Average total assets | $46,242,000 | 6,226 |
| Average earning assets | $43,526,670 | 6,173 |
| Average equity | $5,203,000 | 6,130 |
| Average total loans | $25,675,330 | 6,035 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4340% | 5,867 |
| Cost of funding earning assets | 0.2129% | 6,517 |
| Net interest margin | 3.2211% | 4,844 |
| Noninterest income to average assets | 0.2339% | 5,783 |
| Noninterest expense to average assets | 2.7806% | 3,762 |
| Loan and lease loss provision to assets | 0.1039% | 2,945 |
| Net operating income to assets | 0.3638% | 5,290 |
| Return on assets (ROA) | 0.3638% | 5,425 |
| Pretax return on assets | 0.3638% | 5,664 |
| Return on Equity (ROE) | 3.2073% | 5,487 |
| Retained earnings to average equity (ytd only) | 3.2073% | 4,330 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6000% | 1,564 |
| Assets per employee ($millions) | 2.9684% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 5,559 |
| Loan loss allowance to noncurrent loans | 27.2128% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 2.5687% | 1,784 |
| Noncurrent loans to loans | 4.0846% | 1,091 |
| Net loans and leases to total assets | 54.1353% | 4,391 |
| Net loans and leases to deposits | 61.0205% | 4,680 |
| Net loans and leases to core deposits | 61.7533% | 4,974 |
| Total domestic deposits to total assets | 88.7165% | 1,862 |
| Equity capital to assets | 11.0456% | 2,909 |
| Core capital (leverage) ratio | 11.1046% | 2,173 |
| Tier 1 risk-based capital ratio | 17.9831% | 2,371 |
| Total risk-based capital ratio | 19.0938% | 2,393 |
| Memoranda: | ||
| Average total assets | $46,177,000 | 6,286 |
| Average earning assets | $43,215,000 | 6,241 |
| Average equity | $5,238,000 | 6,178 |
| Average total loans | $26,119,000 | 6,066 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 5,646 |
| Cost of funding earning assets | 0.3230% | 6,343 |
| Net interest margin | 3.5535% | 4,287 |
| Noninterest income to average assets | 0.2108% | 5,908 |
| Noninterest expense to average assets | 3.1048% | 2,906 |
| Loan and lease loss provision to assets | 0.1088% | 4,271 |
| Net operating income to assets | 0.2878% | 5,511 |
| Return on assets (ROA) | 0.2878% | 5,721 |
| Pretax return on assets | 0.2878% | 5,839 |
| Return on Equity (ROE) | 2.4387% | 5,780 |
| Retained earnings to average equity (ytd only) | 2.0547% | 4,780 |
| Net charge-offs to loans | 0.1440% | 4,252 |
| Credit loss provision to net charge-offs | 129.7297% | 2,165 |
| Earnings coverage of net charge-offs (x) | 4.7297% | 3,278 |
| Efficiency ratio | 88.6731% | 1,176 |
| Assets per employee ($millions) | 2.6388% | 6,497 |
| Cash dividends to net income (ytd only)* | 15.7480% | 3,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 5,785 |
| Loan loss allowance to noncurrent loans | 39.0313% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 1.9394% | 2,524 |
| Noncurrent loans to loans | 2.6755% | 1,978 |
| Net loans and leases to total assets | 57.8778% | 4,000 |
| Net loans and leases to deposits | 65.6768% | 4,335 |
| Net loans and leases to core deposits | 66.5181% | 4,686 |
| Total domestic deposits to total assets | 88.1253% | 2,150 |
| Equity capital to assets | 11.6585% | 2,296 |
| Core capital (leverage) ratio | 11.4551% | 1,907 |
| Tier 1 risk-based capital ratio | 18.3754% | 2,146 |
| Total risk-based capital ratio | 19.4761% | 2,144 |
| Memoranda: | ||
| Average total assets | $44,124,600 | 6,371 |
| Average earning assets | $40,861,200 | 6,331 |
| Average equity | $5,207,600 | 6,240 |
| Average total loans | $25,691,000 | 6,154 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 5,779 |
| Cost of funding earning assets | 0.3507% | 6,370 |
| Net interest margin | 3.5532% | 4,427 |
| Noninterest income to average assets | 0.3398% | 5,087 |
| Noninterest expense to average assets | 3.1193% | 2,830 |
| Loan and lease loss provision to assets | 0.1092% | 4,205 |
| Net operating income to assets | 0.4005% | 5,245 |
| Return on assets (ROA) | 0.4005% | 5,466 |
| Pretax return on assets | 0.4005% | 5,716 |
| Return on Equity (ROE) | 3.3833% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.8706% | 4,831 |
| Net charge-offs to loans | 0.1930% | 3,574 |
| Credit loss provision to net charge-offs | 97.2973% | 3,075 |
| Earnings coverage of net charge-offs (x) | 4.5406% | 3,277 |
| Efficiency ratio | 85.9532% | 1,383 |
| Assets per employee ($millions) | 2.5831% | 6,619 |
| Cash dividends to net income (ytd only)* | 15.1534% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 6,071 |
| Loan loss allowance to noncurrent loans | 39.2216% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 2.4275% | 2,184 |
| Noncurrent loans to loans | 2.5541% | 2,239 |
| Net loans and leases to total assets | 58.9620% | 3,964 |
| Net loans and leases to deposits | 67.2118% | 4,308 |
| Net loans and leases to core deposits | 68.0956% | 4,717 |
| Total domestic deposits to total assets | 87.7257% | 2,207 |
| Equity capital to assets | 11.9942% | 2,262 |
| Core capital (leverage) ratio | 11.5100% | 1,982 |
| Tier 1 risk-based capital ratio | 18.3755% | 2,207 |
| Total risk-based capital ratio | 19.4280% | 2,248 |
| Memoranda: | ||
| Average total assets | $43,940,750 | 6,450 |
| Average earning assets | $40,676,000 | 6,409 |
| Average equity | $5,202,000 | 6,308 |
| Average total loans | $25,554,250 | 6,242 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8961% | 5,929 |
| Cost of funding earning assets | 0.3837% | 6,360 |
| Net interest margin | 3.5124% | 4,616 |
| Noninterest income to average assets | 0.3686% | 4,884 |
| Noninterest expense to average assets | 3.1217% | 2,848 |
| Loan and lease loss provision to assets | 0.1092% | 4,157 |
| Net operating income to assets | 0.3868% | 5,261 |
| Return on assets (ROA) | 0.3868% | 5,502 |
| Pretax return on assets | 0.3868% | 5,737 |
| Return on Equity (ROE) | 3.2816% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.5095% | 4,933 |
| Net charge-offs to loans | 0.2919% | 2,861 |
| Credit loss provision to net charge-offs | 64.8649% | 3,694 |
| Earnings coverage of net charge-offs (x) | 2.9459% | 3,567 |
| Efficiency ratio | 86.2893% | 1,401 |
| Assets per employee ($millions) | 2.6412% | 6,612 |
| Cash dividends to net income (ytd only)* | 23.5294% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 6,281 |
| Loan loss allowance to noncurrent loans | 37.7473% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 2.4432% | 2,286 |
| Noncurrent loans to loans | 2.5550% | 2,358 |
| Net loans and leases to total assets | 56.7171% | 4,364 |
| Net loans and leases to deposits | 64.3503% | 4,715 |
| Net loans and leases to core deposits | 65.1738% | 5,093 |
| Total domestic deposits to total assets | 88.1381% | 2,050 |
| Equity capital to assets | 11.5902% | 2,500 |
| Core capital (leverage) ratio | 11.3581% | 2,004 |
| Tier 1 risk-based capital ratio | 18.1914% | 2,230 |
| Total risk-based capital ratio | 19.2030% | 2,275 |
| Memoranda: | ||
| Average total assets | $43,950,000 | 6,492 |
| Average earning assets | $40,656,330 | 6,459 |
| Average equity | $5,180,330 | 6,343 |
| Average total loans | $25,354,330 | 6,298 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 5,843 |
| Cost of funding earning assets | 0.4173% | 6,327 |
| Net interest margin | 3.5574% | 4,456 |
| Noninterest income to average assets | 0.4416% | 4,361 |
| Noninterest expense to average assets | 3.1098% | 2,887 |
| Loan and lease loss provision to assets | 0.1104% | 3,972 |
| Net operating income to assets | 0.5152% | 4,757 |
| Return on assets (ROA) | 0.5152% | 4,970 |
| Pretax return on assets | 0.5152% | 5,375 |
| Return on Equity (ROE) | 4.3339% | 5,124 |
| Retained earnings to average equity (ytd only) | 4.3339% | 3,991 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2512% | 1,764 |
| Assets per employee ($millions) | 2.6066% | 6,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 5,861 |
| Loan loss allowance to noncurrent loans | 41.3534% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 2.5974% | 2,278 |
| Noncurrent loans to loans | 2.6885% | 2,424 |
| Net loans and leases to total assets | 55.1982% | 4,525 |
| Net loans and leases to deposits | 62.7179% | 4,809 |
| Net loans and leases to core deposits | 63.5325% | 5,171 |
| Total domestic deposits to total assets | 88.0103% | 2,315 |
| Equity capital to assets | 11.7121% | 2,252 |
| Core capital (leverage) ratio | 11.6907% | 1,777 |
| Tier 1 risk-based capital ratio | 18.9015% | 2,023 |
| Total risk-based capital ratio | 20.0491% | 2,018 |
| Memoranda: | ||
| Average total assets | $43,475,000 | 6,547 |
| Average earning assets | $40,254,000 | 6,512 |
| Average equity | $5,168,500 | 6,377 |
| Average total loans | $25,174,500 | 6,358 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2421% | 5,939 |
| Cost of funding earning assets | 0.5899% | 6,134 |
| Net interest margin | 3.6522% | 4,508 |
| Noninterest income to average assets | 0.2898% | 5,462 |
| Noninterest expense to average assets | 3.2747% | 2,603 |
| Loan and lease loss provision to assets | 0.3600% | 2,844 |
| Net operating income to assets | 0.0561% | 5,954 |
| Return on assets (ROA) | 0.0561% | 6,064 |
| Pretax return on assets | 0.0561% | 6,041 |
| Return on Equity (ROE) | 0.4750% | 6,070 |
| Retained earnings to average equity (ytd only) | 0.4750% | 5,614 |
| Net charge-offs to loans | 0.5457% | 2,829 |
| Credit loss provision to net charge-offs | 108.4507% | 3,110 |
| Earnings coverage of net charge-offs (x) | 1.2535% | 4,841 |
| Efficiency ratio | 88.7270% | 1,293 |
| Assets per employee ($millions) | 2.5081% | 6,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 6,146 |
| Loan loss allowance to noncurrent loans | 35.9613% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 2.4884% | 2,446 |
| Noncurrent loans to loans | 2.8227% | 2,322 |
| Net loans and leases to total assets | 59.4648% | 4,094 |
| Net loans and leases to deposits | 67.8277% | 4,465 |
| Net loans and leases to core deposits | 68.7473% | 4,940 |
| Total domestic deposits to total assets | 87.6703% | 2,358 |
| Equity capital to assets | 12.0717% | 2,068 |
| Core capital (leverage) ratio | 11.5239% | 1,873 |
| Tier 1 risk-based capital ratio | 18.6696% | 1,998 |
| Total risk-based capital ratio | 19.7707% | 2,008 |
| Memoranda: | ||
| Average total assets | $42,782,200 | 6,575 |
| Average earning assets | $39,838,800 | 6,534 |
| Average equity | $5,053,000 | 6,428 |
| Average total loans | $26,022,400 | 6,354 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 6,011 |
| Cost of funding earning assets | 0.6106% | 6,240 |
| Net interest margin | 3.6671% | 4,491 |
| Noninterest income to average assets | 0.2896% | 5,538 |
| Noninterest expense to average assets | 3.2851% | 2,541 |
| Loan and lease loss provision to assets | 0.3799% | 2,583 |
| Net operating income to assets | 0.0467% | 6,082 |
| Return on assets (ROA) | 0.0467% | 6,180 |
| Pretax return on assets | 0.0467% | 6,162 |
| Return on Equity (ROE) | 0.3977% | 6,181 |
| Retained earnings to average equity (ytd only) | 0.3977% | 5,833 |
| Net charge-offs to loans | 0.6125% | 2,414 |
| Credit loss provision to net charge-offs | 101.6667% | 3,300 |
| Earnings coverage of net charge-offs (x) | 1.1416% | 4,772 |
| Efficiency ratio | 88.5067% | 1,294 |
| Assets per employee ($millions) | 2.6021% | 6,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 6,401 |
| Loan loss allowance to noncurrent loans | 37.5749% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 2.1567% | 2,962 |
| Noncurrent loans to loans | 2.5686% | 2,697 |
| Net loans and leases to total assets | 58.2231% | 4,472 |
| Net loans and leases to deposits | 66.0995% | 4,891 |
| Net loans and leases to core deposits | 66.9587% | 5,315 |
| Total domestic deposits to total assets | 88.0841% | 1,995 |
| Equity capital to assets | 11.6152% | 2,570 |
| Core capital (leverage) ratio | 11.2659% | 2,182 |
| Tier 1 risk-based capital ratio | 18.1478% | 2,201 |
| Total risk-based capital ratio | 19.1833% | 2,242 |
| Memoranda: | ||
| Average total assets | $42,818,500 | 6,635 |
| Average earning assets | $39,957,750 | 6,591 |
| Average equity | $5,029,500 | 6,489 |
| Average total loans | $26,124,500 | 6,417 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 5,965 |
| Cost of funding earning assets | 0.6276% | 6,326 |
| Net interest margin | 3.6896% | 4,312 |
| Noninterest income to average assets | 0.1936% | 6,284 |
| Noninterest expense to average assets | 3.3391% | 2,433 |
| Loan and lease loss provision to assets | 0.5195% | 1,886 |
| Net operating income to assets | -0.2220% | 6,492 |
| Return on assets (ROA) | -0.2220% | 6,530 |
| Pretax return on assets | -0.2220% | 6,473 |
| Return on Equity (ROE) | -1.8825% | 6,505 |
| Retained earnings to average equity (ytd only) | -1.8825% | 6,232 |
| Net charge-offs to loans | 0.7491% | 1,998 |
| Credit loss provision to net charge-offs | 112.2449% | 2,733 |
| Earnings coverage of net charge-offs (x) | 0.6429% | 4,819 |
| Efficiency ratio | 91.8182% | 1,105 |
| Assets per employee ($millions) | 2.5638% | 6,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 6,315 |
| Loan loss allowance to noncurrent loans | 42.0290% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 2.2875% | 2,867 |
| Noncurrent loans to loans | 2.3871% | 3,000 |
| Net loans and leases to total assets | 59.0891% | 4,448 |
| Net loans and leases to deposits | 67.0363% | 4,847 |
| Net loans and leases to core deposits | 67.9202% | 5,295 |
| Total domestic deposits to total assets | 88.1450% | 2,043 |
| Equity capital to assets | 11.5131% | 2,492 |
| Core capital (leverage) ratio | 11.2112% | 2,103 |
| Tier 1 risk-based capital ratio | 18.0074% | 2,172 |
| Total risk-based capital ratio | 19.0849% | 2,177 |
| Memoranda: | ||
| Average total assets | $42,346,330 | 6,709 |
| Average earning assets | $39,517,000 | 6,658 |
| Average equity | $4,993,330 | 6,533 |
| Average total loans | $26,164,000 | 6,471 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 6,055 |
| Cost of funding earning assets | 0.6353% | 6,448 |
| Net interest margin | 3.6480% | 4,334 |
| Noninterest income to average assets | 0.4410% | 4,354 |
| Noninterest expense to average assets | 3.9878% | 1,051 |
| Loan and lease loss provision to assets | 0.1150% | 4,574 |
| Net operating income to assets | -0.2492% | 6,609 |
| Return on assets (ROA) | -0.2492% | 6,622 |
| Pretax return on assets | -0.2492% | 6,579 |
| Return on Equity (ROE) | -2.0879% | 6,593 |
| Retained earnings to average equity (ytd only) | -2.0879% | 6,159 |
| Net charge-offs to loans | -0.0152% | 6,486 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4826% | 641 |
| Assets per employee ($millions) | 2.5485% | 6,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 6,242 |
| Loan loss allowance to noncurrent loans | 21.1492% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 3.3283% | 2,043 |
| Noncurrent loans to loans | 4.9296% | 1,373 |
| Net loans and leases to total assets | 58.0565% | 4,640 |
| Net loans and leases to deposits | 65.8042% | 5,002 |
| Net loans and leases to core deposits | 66.6764% | 5,442 |
| Total domestic deposits to total assets | 88.2262% | 2,242 |
| Equity capital to assets | 11.4737% | 2,299 |
| Core capital (leverage) ratio | 11.5658% | 1,809 |
| Tier 1 risk-based capital ratio | 18.1344% | 2,076 |
| Total risk-based capital ratio | 19.2185% | 2,092 |
| Memoranda: | ||
| Average total assets | $41,727,000 | 6,772 |
| Average earning assets | $39,035,000 | 6,717 |
| Average equity | $4,981,000 | 6,570 |
| Average total loans | $26,238,500 | 6,514 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7935% | 5,439 |
| Cost of funding earning assets | 0.8303% | 6,441 |
| Net interest margin | 3.9631% | 3,190 |
| Noninterest income to average assets | 1.1973% | 1,043 |
| Noninterest expense to average assets | 3.6977% | 1,702 |
| Loan and lease loss provision to assets | 0.5596% | 2,888 |
| Net operating income to assets | 0.5974% | 3,679 |
| Return on assets (ROA) | 0.5974% | 3,844 |
| Pretax return on assets | 0.5974% | 4,335 |
| Return on Equity (ROE) | 4.8200% | 4,152 |
| Retained earnings to average equity (ytd only) | 4.0472% | 3,026 |
| Net charge-offs to loans | 0.7000% | 2,909 |
| Credit loss provision to net charge-offs | 120.0000% | 3,519 |
| Earnings coverage of net charge-offs (x) | 2.4811% | 3,879 |
| Efficiency ratio | 76.1682% | 3,032 |
| Assets per employee ($millions) | 2.3605% | 7,166 |
| Cash dividends to net income (ytd only)* | 16.0338% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 6,633 |
| Loan loss allowance to noncurrent loans | 20.8609% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 3.6283% | 1,897 |
| Noncurrent loans to loans | 4.4643% | 1,589 |
| Net loans and leases to total assets | 66.8021% | 3,273 |
| Net loans and leases to deposits | 76.5215% | 3,761 |
| Net loans and leases to core deposits | 77.6294% | 4,504 |
| Total domestic deposits to total assets | 87.2985% | 2,671 |
| Equity capital to assets | 12.4374% | 1,675 |
| Core capital (leverage) ratio | 12.2468% | 1,409 |
| Tier 1 risk-based capital ratio | 18.0196% | 1,991 |
| Total risk-based capital ratio | 19.0434% | 2,028 |
| Memoranda: | ||
| Average total assets | $39,673,400 | 6,879 |
| Average earning assets | $36,612,400 | 6,855 |
| Average equity | $4,917,000 | 6,694 |
| Average total loans | $26,429,200 | 6,591 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8075% | 5,628 |
| Cost of funding earning assets | 0.8751% | 6,488 |
| Net interest margin | 3.9324% | 3,392 |
| Noninterest income to average assets | 0.6404% | 3,183 |
| Noninterest expense to average assets | 3.5928% | 1,813 |
| Loan and lease loss provision to assets | 0.2326% | 4,746 |
| Net operating income to assets | 0.4348% | 4,610 |
| Return on assets (ROA) | 0.4348% | 4,787 |
| Pretax return on assets | 0.4348% | 5,127 |
| Return on Equity (ROE) | 3.5113% | 5,000 |
| Retained earnings to average equity (ytd only) | 2.5314% | 4,649 |
| Net charge-offs to loans | 0.2487% | 4,446 |
| Credit loss provision to net charge-offs | 140.8163% | 2,816 |
| Earnings coverage of net charge-offs (x) | 4.0409% | 3,208 |
| Efficiency ratio | 84.3354% | 1,797 |
| Assets per employee ($millions) | 2.2836% | 7,321 |
| Cash dividends to net income (ytd only)* | 27.9070% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 6,887 |
| Loan loss allowance to noncurrent loans | 20.6039% | 6,882 |
| Noncurrent assets plus other real estate owned to assets | 3.5239% | 2,016 |
| Noncurrent loans to loans | 4.1304% | 1,785 |
| Net loans and leases to total assets | 69.6247% | 2,825 |
| Net loans and leases to deposits | 80.0954% | 3,429 |
| Net loans and leases to core deposits | 81.3000% | 4,342 |
| Total domestic deposits to total assets | 86.9272% | 2,573 |
| Equity capital to assets | 12.7405% | 1,724 |
| Core capital (leverage) ratio | 12.1440% | 1,589 |
| Tier 1 risk-based capital ratio | 17.5375% | 2,164 |
| Total risk-based capital ratio | 18.4939% | 2,219 |
| Memoranda: | ||
| Average total assets | $39,559,500 | 6,960 |
| Average earning assets | $36,414,250 | 6,945 |
| Average equity | $4,898,500 | 6,786 |
| Average total loans | $26,271,750 | 6,692 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 5,735 |
| Cost of funding earning assets | 0.8977% | 6,593 |
| Net interest margin | 3.9191% | 3,355 |
| Noninterest income to average assets | 0.6180% | 3,207 |
| Noninterest expense to average assets | 3.5271% | 1,963 |
| Loan and lease loss provision to assets | 0.1206% | 5,696 |
| Net operating income to assets | 0.5678% | 4,009 |
| Return on assets (ROA) | 0.5678% | 4,155 |
| Pretax return on assets | 0.5678% | 4,679 |
| Return on Equity (ROE) | 4.6286% | 4,473 |
| Retained earnings to average equity (ytd only) | 3.1540% | 4,106 |
| Net charge-offs to loans | 0.0848% | 5,294 |
| Credit loss provision to net charge-offs | 218.1818% | 1,786 |
| Earnings coverage of net charge-offs (x) | 12.4545% | 1,677 |
| Efficiency ratio | 83.6710% | 1,961 |
| Assets per employee ($millions) | 2.3667% | 7,275 |
| Cash dividends to net income (ytd only)* | 31.8584% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8457% | 6,920 |
| Loan loss allowance to noncurrent loans | 36.0577% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 2.4755% | 2,906 |
| Noncurrent loans to loans | 2.3454% | 3,321 |
| Net loans and leases to total assets | 65.5664% | 3,924 |
| Net loans and leases to deposits | 74.9666% | 4,516 |
| Net loans and leases to core deposits | 76.0472% | 5,189 |
| Total domestic deposits to total assets | 87.4609% | 2,279 |
| Equity capital to assets | 12.1862% | 1,986 |
| Core capital (leverage) ratio | 11.9463% | 1,674 |
| Tier 1 risk-based capital ratio | 17.5831% | 2,081 |
| Total risk-based capital ratio | 18.5197% | 2,142 |
| Memoranda: | ||
| Average total assets | $39,805,670 | 7,005 |
| Average earning assets | $36,538,670 | 6,982 |
| Average equity | $4,882,670 | 6,820 |
| Average total loans | $25,942,000 | 6,748 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 5,883 |
| Cost of funding earning assets | 0.9363% | 6,630 |
| Net interest margin | 3.8664% | 3,478 |
| Noninterest income to average assets | 0.6062% | 3,243 |
| Noninterest expense to average assets | 3.5462% | 1,859 |
| Loan and lease loss provision to assets | 0.1212% | 5,366 |
| Net operating income to assets | 0.4850% | 4,472 |
| Return on assets (ROA) | 0.4850% | 4,604 |
| Pretax return on assets | 0.4850% | 5,017 |
| Return on Equity (ROE) | 3.9405% | 4,919 |
| Retained earnings to average equity (ytd only) | 3.9405% | 3,775 |
| Net charge-offs to loans | 0.0312% | 5,137 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 871 |
| Efficiency ratio | 85.4015% | 1,864 |
| Assets per employee ($millions) | 2.4048% | 7,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 6,895 |
| Loan loss allowance to noncurrent loans | 29.7226% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 2.4510% | 2,966 |
| Noncurrent loans to loans | 2.9649% | 2,711 |
| Net loans and leases to total assets | 61.9025% | 4,778 |
| Net loans and leases to deposits | 70.5677% | 5,257 |
| Net loans and leases to core deposits | 72.0751% | 5,702 |
| Total domestic deposits to total assets | 87.7208% | 2,225 |
| Equity capital to assets | 11.9441% | 2,069 |
| Core capital (leverage) ratio | 12.0738% | 1,614 |
| Tier 1 risk-based capital ratio | 17.9310% | 1,956 |
| Total risk-based capital ratio | 18.8807% | 2,019 |
| Memoranda: | ||
| Average total assets | $39,591,500 | 7,102 |
| Average earning assets | $36,313,000 | 7,086 |
| Average equity | $4,872,500 | 6,888 |
| Average total loans | $25,610,500 | 6,844 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 6,336 |
| Cost of funding earning assets | 1.2171% | 6,598 |
| Net interest margin | 3.8134% | 3,648 |
| Noninterest income to average assets | 0.7235% | 2,830 |
| Noninterest expense to average assets | 3.5691% | 2,221 |
| Loan and lease loss provision to assets | 0.2038% | 5,712 |
| Net operating income to assets | 0.4738% | 3,840 |
| Return on assets (ROA) | 0.4713% | 3,965 |
| Pretax return on assets | 0.4840% | 4,231 |
| Return on Equity (ROE) | 3.8375% | 4,152 |
| Retained earnings to average equity (ytd only) | 1.9084% | 3,762 |
| Net charge-offs to loans | 0.3300% | 4,580 |
| Credit loss provision to net charge-offs | 94.1176% | 5,844 |
| Earnings coverage of net charge-offs (x) | 3.1882% | 3,461 |
| Efficiency ratio | 83.7919% | 2,375 |
| Assets per employee ($millions) | 2.2530% | 7,527 |
| Cash dividends to net income (ytd only)* | 50.2703% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 6,953 |
| Loan loss allowance to noncurrent loans | 25.3440% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 2.5613% | 2,727 |
| Noncurrent loans to loans | 3.3944% | 2,250 |
| Net loans and leases to total assets | 66.4943% | 4,040 |
| Net loans and leases to deposits | 76.4208% | 4,666 |
| Net loans and leases to core deposits | 84.5158% | 5,670 |
| Total domestic deposits to total assets | 87.0108% | 2,503 |
| Equity capital to assets | 12.6942% | 1,649 |
| Core capital (leverage) ratio | 12.1637% | 1,596 |
| Tier 1 risk-based capital ratio | 18.1355% | 1,855 |
| Total risk-based capital ratio | 19.0673% | 1,896 |
| Memoranda: | ||
| Average total assets | $39,253,200 | 7,126 |
| Average earning assets | $36,398,000 | 7,080 |
| Average equity | $4,820,800 | 7,013 |
| Average total loans | $25,760,200 | 6,871 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0261% | 6,530 |
| Cost of funding earning assets | 1.2529% | 6,708 |
| Net interest margin | 3.7732% | 3,761 |
| Noninterest income to average assets | 0.7428% | 2,748 |
| Noninterest expense to average assets | 3.5788% | 2,070 |
| Loan and lease loss provision to assets | 0.0608% | 6,758 |
| Net operating income to assets | 0.6212% | 3,531 |
| Return on assets (ROA) | 0.6178% | 3,591 |
| Pretax return on assets | 0.6178% | 4,139 |
| Return on Equity (ROE) | 5.0720% | 3,933 |
| Retained earnings to average equity (ytd only) | 3.1598% | 3,549 |
| Net charge-offs to loans | 0.1862% | 4,899 |
| Credit loss provision to net charge-offs | 50.0000% | 6,304 |
| Earnings coverage of net charge-offs (x) | 5.6110% | 2,776 |
| Efficiency ratio | 83.9937% | 2,298 |
| Assets per employee ($millions) | 2.3522% | 7,443 |
| Cash dividends to net income (ytd only)* | 37.7065% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 6,961 |
| Loan loss allowance to noncurrent loans | 21.0369% | 7,038 |
| Noncurrent assets plus other real estate owned to assets | 2.7809% | 2,494 |
| Noncurrent loans to loans | 4.0339% | 1,819 |
| Net loans and leases to total assets | 61.6525% | 5,300 |
| Net loans and leases to deposits | 70.5541% | 5,839 |
| Net loans and leases to core deposits | 76.9108% | 6,563 |
| Total domestic deposits to total assets | 87.3834% | 1,958 |
| Equity capital to assets | 12.2715% | 2,085 |
| Core capital (leverage) ratio | 11.7325% | 1,947 |
| Tier 1 risk-based capital ratio | 18.2132% | 1,934 |
| Total risk-based capital ratio | 19.1024% | 1,981 |
| Memoranda: | ||
| Average total assets | $39,491,250 | 7,175 |
| Average earning assets | $36,820,000 | 7,120 |
| Average equity | $4,810,500 | 7,077 |
| Average total loans | $25,778,000 | 6,926 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 6,188 |
| Cost of funding earning assets | 1.3229% | 6,724 |
| Net interest margin | 3.8485% | 3,347 |
| Noninterest income to average assets | 0.7985% | 2,419 |
| Noninterest expense to average assets | 3.5752% | 2,139 |
| Loan and lease loss provision to assets | 0.0610% | 6,607 |
| Net operating income to assets | 0.7323% | 3,126 |
| Return on assets (ROA) | 0.7273% | 3,249 |
| Pretax return on assets | 0.7374% | 3,875 |
| Return on Equity (ROE) | 5.9854% | 3,656 |
| Retained earnings to average equity (ytd only) | 3.0973% | 3,594 |
| Net charge-offs to loans | 0.0153% | 6,320 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 484 |
| Efficiency ratio | 81.6492% | 2,770 |
| Assets per employee ($millions) | 2.3644% | 7,477 |
| Cash dividends to net income (ytd only)* | 48.2517% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 6,662 |
| Loan loss allowance to noncurrent loans | 24.0081% | 6,899 |
| Noncurrent assets plus other real estate owned to assets | 2.7168% | 2,366 |
| Noncurrent loans to loans | 3.8635% | 1,758 |
| Net loans and leases to total assets | 62.7133% | 5,234 |
| Net loans and leases to deposits | 71.5437% | 5,803 |
| Net loans and leases to core deposits | 79.5349% | 6,443 |
| Total domestic deposits to total assets | 87.6574% | 1,947 |
| Equity capital to assets | 11.9321% | 2,246 |
| Core capital (leverage) ratio | 11.9204% | 1,866 |
| Tier 1 risk-based capital ratio | 18.0626% | 2,005 |
| Total risk-based capital ratio | 19.0555% | 2,014 |
| Memoranda: | ||
| Average total assets | $39,326,000 | 7,239 |
| Average earning assets | $36,585,670 | 7,193 |
| Average equity | $4,778,330 | 7,145 |
| Average total loans | $26,082,670 | 6,961 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4562% | 5,143 |
| Cost of funding earning assets | 1.4224% | 6,654 |
| Net interest margin | 4.0338% | 2,517 |
| Noninterest income to average assets | 0.7919% | 2,369 |
| Noninterest expense to average assets | 3.5689% | 1,936 |
| Loan and lease loss provision to assets | 0.0617% | 6,183 |
| Net operating income to assets | 0.8845% | 2,767 |
| Return on assets (ROA) | 0.8742% | 2,972 |
| Pretax return on assets | 0.8845% | 3,772 |
| Return on Equity (ROE) | 7.1286% | 3,544 |
| Retained earnings to average equity (ytd only) | 7.1286% | 2,168 |
| Net charge-offs to loans | -0.0303% | 7,557 |
| Credit loss provision to net charge-offs | -300.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8636% | 3,022 |
| Assets per employee ($millions) | 2.3477% | 7,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 6,769 |
| Loan loss allowance to noncurrent loans | 74.2857% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.0624% | 4,566 |
| Noncurrent loans to loans | 1.2070% | 4,557 |
| Net loans and leases to total assets | 64.8017% | 4,844 |
| Net loans and leases to deposits | 74.0000% | 5,476 |
| Net loans and leases to core deposits | 83.1741% | 6,129 |
| Total domestic deposits to total assets | 87.5698% | 1,939 |
| Equity capital to assets | 12.0368% | 2,236 |
| Core capital (leverage) ratio | 12.0306% | 1,887 |
| Tier 1 risk-based capital ratio | 18.0920% | 2,028 |
| Total risk-based capital ratio | 19.0728% | 2,045 |
| Memoranda: | ||
| Average total assets | $38,892,000 | 7,302 |
| Average earning assets | $35,996,000 | 7,265 |
| Average equity | $4,769,500 | 7,202 |
| Average total loans | $26,402,500 | 6,985 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1288% | 4,905 |
| Cost of funding earning assets | 1.8991% | 6,729 |
| Net interest margin | 4.2297% | 2,194 |
| Noninterest income to average assets | 0.5639% | 4,118 |
| Noninterest expense to average assets | 3.5605% | 2,236 |
| Loan and lease loss provision to assets | 0.0615% | 6,635 |
| Net operating income to assets | 0.4973% | 4,746 |
| Return on assets (ROA) | 0.4973% | 4,589 |
| Pretax return on assets | 0.8126% | 4,023 |
| Return on Equity (ROE) | 4.2150% | 4,730 |
| Retained earnings to average equity (ytd only) | 1.3905% | 4,384 |
| Net charge-offs to loans | 0.2911% | 3,459 |
| Credit loss provision to net charge-offs | 30.0000% | 6,525 |
| Earnings coverage of net charge-offs (x) | 4.2625% | 4,051 |
| Efficiency ratio | 80.2890% | 2,555 |
| Assets per employee ($millions) | 2.2278% | 7,664 |
| Cash dividends to net income (ytd only)* | 67.0103% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 6,917 |
| Loan loss allowance to noncurrent loans | 70.4050% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 1.2331% | 3,753 |
| Noncurrent loans to loans | 1.2019% | 4,111 |
| Net loans and leases to total assets | 69.9232% | 4,036 |
| Net loans and leases to deposits | 80.2558% | 5,002 |
| Net loans and leases to core deposits | 91.8239% | 5,659 |
| Total domestic deposits to total assets | 87.1254% | 1,879 |
| Equity capital to assets | 12.5023% | 2,013 |
| Core capital (leverage) ratio | 12.1534% | 1,901 |
| Tier 1 risk-based capital ratio | 17.8093% | 2,086 |
| Total risk-based capital ratio | 18.7618% | 2,112 |
| Memoranda: | ||
| Average total assets | $39,011,400 | 7,258 |
| Average earning assets | $35,700,200 | 7,254 |
| Average equity | $4,602,600 | 7,303 |
| Average total loans | $27,478,200 | 6,877 |