Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 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 | 4.0689% | 3,012 |
| Cost of funding earning assets | 0.3102% | 4,278 |
| Net interest margin | 3.7587% | 2,480 |
| Noninterest income to average assets | 0.5141% | 3,275 |
| Noninterest expense to average assets | 3.5456% | 1,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3844% | 5,188 |
| Return on assets (ROA) | 0.3844% | 5,298 |
| Pretax return on assets | 0.4036% | 5,459 |
| Return on Equity (ROE) | 3.7357% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.7357% | 3,639 |
| Net charge-offs to loans | 0.3406% | 772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.2105% | 3,388 |
| Efficiency ratio | 89.7810% | 771 |
| Assets per employee ($millions) | 2.9032% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 2,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 51.1354% | 4,835 |
| Net loans and leases to deposits | 57.1256% | 5,054 |
| Net loans and leases to core deposits | 58.4740% | 5,166 |
| Total domestic deposits to total assets | 89.5141% | 895 |
| Equity capital to assets | 10.4096% | 3,551 |
| Core capital (leverage) ratio | 9.7654% | 3,923 |
| Tier 1 risk-based capital ratio | 14.7776% | 3,488 |
| Total risk-based capital ratio | 15.9620% | 3,447 |
| Memoranda: | ||
| Average total assets | $41,628,670 | 5,868 |
| Average earning assets | $38,044,670 | 5,862 |
| Average equity | $4,283,000 | 5,945 |
| Average total loans | $22,311,330 | 5,765 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 2,930 |
| Cost of funding earning assets | 0.3031% | 4,406 |
| Net interest margin | 3.7732% | 2,340 |
| Noninterest income to average assets | 0.4653% | 3,534 |
| Noninterest expense to average assets | 3.8271% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0570% | 5,946 |
| Return on assets (ROA) | 0.0570% | 5,990 |
| Pretax return on assets | 0.0665% | 5,982 |
| Return on Equity (ROE) | 0.5570% | 5,980 |
| Retained earnings to average equity (ytd only) | 0.5570% | 5,208 |
| Net charge-offs to loans | 0.6983% | 345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.1750% | 3,094 |
| Efficiency ratio | 98.2927% | 424 |
| Assets per employee ($millions) | 2.9940% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 2,423 |
| Loan loss allowance to noncurrent loans | 32,100.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,965 |
| Noncurrent loans to loans | 0.0047% | 5,801 |
| Net loans and leases to total assets | 50.1384% | 4,832 |
| Net loans and leases to deposits | 56.0068% | 5,051 |
| Net loans and leases to core deposits | 57.2830% | 5,169 |
| Total domestic deposits to total assets | 89.5219% | 986 |
| Equity capital to assets | 10.3660% | 3,694 |
| Core capital (leverage) ratio | 9.6057% | 4,141 |
| Tier 1 risk-based capital ratio | 14.7430% | 3,577 |
| Total risk-based capital ratio | 15.9393% | 3,536 |
| Memoranda: | ||
| Average total assets | $42,120,500 | 5,914 |
| Average earning assets | $38,270,000 | 5,912 |
| Average equity | $4,309,000 | 5,994 |
| Average total loans | $22,913,500 | 5,792 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0749% | 3,422 |
| Cost of funding earning assets | 0.3312% | 4,478 |
| Net interest margin | 3.7437% | 2,836 |
| Noninterest income to average assets | 0.6029% | 2,842 |
| Noninterest expense to average assets | 3.4902% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5200% | 4,728 |
| Return on assets (ROA) | 0.6005% | 4,460 |
| Pretax return on assets | 0.6312% | 4,840 |
| Return on Equity (ROE) | 6.0833% | 4,100 |
| Retained earnings to average equity (ytd only) | 4.0555% | 3,322 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4644% | 1,124 |
| Assets per employee ($millions) | 3.0232% | 5,668 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 2,589 |
| Loan loss allowance to noncurrent loans | 350.4854% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5718% | 3,886 |
| Noncurrent loans to loans | 0.4206% | 4,378 |
| Net loans and leases to total assets | 57.0089% | 4,194 |
| Net loans and leases to deposits | 64.5523% | 4,472 |
| Net loans and leases to core deposits | 66.0273% | 4,667 |
| Total domestic deposits to total assets | 88.3142% | 1,609 |
| Equity capital to assets | 10.0957% | 3,987 |
| Core capital (leverage) ratio | 9.4828% | 4,270 |
| Tier 1 risk-based capital ratio | 13.3489% | 4,511 |
| Total risk-based capital ratio | 14.5692% | 4,461 |
| Memoranda: | ||
| Average total assets | $42,461,600 | 5,972 |
| Average earning assets | $38,945,600 | 5,952 |
| Average equity | $4,191,800 | 6,051 |
| Average total loans | $24,336,800 | 5,804 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 3,774 |
| Cost of funding earning assets | 0.3367% | 4,509 |
| Net interest margin | 3.6596% | 3,189 |
| Noninterest income to average assets | 0.6150% | 2,778 |
| Noninterest expense to average assets | 3.4481% | 1,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5211% | 4,797 |
| Return on assets (ROA) | 0.6024% | 4,527 |
| Pretax return on assets | 0.6275% | 4,938 |
| Return on Equity (ROE) | 6.1366% | 4,164 |
| Retained earnings to average equity (ytd only) | 3.9952% | 3,810 |
| Net charge-offs to loans | -0.0219% | 5,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3994% | 1,146 |
| Assets per employee ($millions) | 3.1690% | 5,489 |
| Cash dividends to net income (ytd only)* | 34.8959% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 2,820 |
| Loan loss allowance to noncurrent loans | 380.2083% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 4,104 |
| Noncurrent loans to loans | 0.3894% | 4,748 |
| Net loans and leases to total assets | 58.9533% | 3,942 |
| Net loans and leases to deposits | 65.8291% | 4,347 |
| Net loans and leases to core deposits | 67.3479% | 4,576 |
| Total domestic deposits to total assets | 89.5551% | 960 |
| Equity capital to assets | 10.2677% | 3,832 |
| Core capital (leverage) ratio | 9.3804% | 4,534 |
| Tier 1 risk-based capital ratio | 13.1671% | 4,752 |
| Total risk-based capital ratio | 14.3782% | 4,713 |
| Memoranda: | ||
| Average total assets | $42,495,750 | 6,039 |
| Average earning assets | $39,202,250 | 6,012 |
| Average equity | $4,171,500 | 6,120 |
| Average total loans | $24,298,500 | 5,870 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8542% | 4,315 |
| Cost of funding earning assets | 0.3393% | 4,544 |
| Net interest margin | 3.5149% | 3,721 |
| Noninterest income to average assets | 0.5544% | 3,084 |
| Noninterest expense to average assets | 3.3777% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3951% | 5,243 |
| Return on assets (ROA) | 0.4845% | 4,942 |
| Pretax return on assets | 0.5032% | 5,267 |
| Return on Equity (ROE) | 5.0096% | 4,668 |
| Retained earnings to average equity (ytd only) | 2.6012% | 4,542 |
| Net charge-offs to loans | -0.0331% | 5,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1759% | 975 |
| Assets per employee ($millions) | 2.8896% | 5,897 |
| Cash dividends to net income (ytd only)* | 48.0769% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5416% | 2,711 |
| Loan loss allowance to noncurrent loans | 361.3861% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 4,171 |
| Noncurrent loans to loans | 0.4266% | 4,713 |
| Net loans and leases to total assets | 57.6245% | 4,032 |
| Net loans and leases to deposits | 64.7681% | 4,409 |
| Net loans and leases to core deposits | 66.2970% | 4,612 |
| Total domestic deposits to total assets | 88.9705% | 1,372 |
| Equity capital to assets | 10.4017% | 3,558 |
| Core capital (leverage) ratio | 9.3520% | 4,528 |
| Tier 1 risk-based capital ratio | 13.4169% | 4,638 |
| Total risk-based capital ratio | 14.6669% | 4,585 |
| Memoranda: | ||
| Average total assets | $42,928,670 | 6,080 |
| Average earning assets | $39,489,330 | 6,059 |
| Average equity | $4,152,000 | 6,162 |
| Average total loans | $24,180,670 | 5,921 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6907% | 4,881 |
| Cost of funding earning assets | 0.3454% | 4,584 |
| Net interest margin | 3.3453% | 4,351 |
| Noninterest income to average assets | 0.4800% | 3,566 |
| Noninterest expense to average assets | 3.3782% | 1,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1630% | 5,902 |
| Return on assets (ROA) | 0.1630% | 5,941 |
| Pretax return on assets | 0.1721% | 5,970 |
| Return on Equity (ROE) | 1.7459% | 5,856 |
| Retained earnings to average equity (ytd only) | 1.7459% | 4,910 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1531% | 690 |
| Assets per employee ($millions) | 3.1509% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 2,888 |
| Loan loss allowance to noncurrent loans | 414.9425% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 5,630 |
| Noncurrent loans to loans | 0.3755% | 4,999 |
| Net loans and leases to total assets | 51.7036% | 4,702 |
| Net loans and leases to deposits | 57.1414% | 5,019 |
| Net loans and leases to core deposits | 58.9095% | 5,135 |
| Total domestic deposits to total assets | 90.4835% | 808 |
| Equity capital to assets | 9.3623% | 4,681 |
| Core capital (leverage) ratio | 8.8305% | 5,230 |
| Tier 1 risk-based capital ratio | 13.2576% | 4,858 |
| Total risk-based capital ratio | 14.5083% | 4,789 |
| Memoranda: | ||
| Average total assets | $44,165,500 | 6,111 |
| Average earning assets | $40,534,500 | 6,090 |
| Average equity | $4,124,000 | 6,215 |
| Average total loans | $24,432,500 | 5,965 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 2,890 |
| Cost of funding earning assets | 0.4158% | 4,474 |
| Net interest margin | 3.9019% | 2,273 |
| Noninterest income to average assets | 0.5691% | 3,277 |
| Noninterest expense to average assets | 3.4234% | 1,829 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7602% | 3,496 |
| Return on assets (ROA) | 0.9033% | 2,844 |
| Pretax return on assets | 0.9394% | 3,602 |
| Return on Equity (ROE) | 9.6094% | 2,278 |
| Retained earnings to average equity (ytd only) | 4.4443% | 3,011 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2433% | 1,987 |
| Assets per employee ($millions) | 3.1584% | 5,569 |
| Cash dividends to net income (ytd only)* | 53.7500% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 3,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 57.2957% | 4,149 |
| Net loans and leases to deposits | 63.5281% | 4,558 |
| Net loans and leases to core deposits | 65.4939% | 4,737 |
| Total domestic deposits to total assets | 90.1895% | 978 |
| Equity capital to assets | 9.3129% | 4,678 |
| Core capital (leverage) ratio | 8.7905% | 5,300 |
| Tier 1 risk-based capital ratio | 12.2368% | 5,467 |
| Total risk-based capital ratio | 13.4063% | 5,457 |
| Memoranda: | ||
| Average total assets | $44,283,000 | 6,171 |
| Average earning assets | $41,364,800 | 6,132 |
| Average equity | $4,162,600 | 6,293 |
| Average total loans | $27,244,200 | 5,881 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 2,739 |
| Cost of funding earning assets | 0.4259% | 4,544 |
| Net interest margin | 3.9326% | 2,164 |
| Noninterest income to average assets | 0.5658% | 3,361 |
| Noninterest expense to average assets | 3.3529% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8655% | 3,014 |
| Return on assets (ROA) | 1.0113% | 2,421 |
| Pretax return on assets | 1.0625% | 3,258 |
| Return on Equity (ROE) | 10.7335% | 1,914 |
| Retained earnings to average equity (ytd only) | 7.5390% | 1,624 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6723% | 2,313 |
| Assets per employee ($millions) | 3.0228% | 5,807 |
| Cash dividends to net income (ytd only)* | 29.7618% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 4,476 |
| Loan loss allowance to noncurrent loans | 1,805.0000% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 6,324 |
| Noncurrent loans to loans | 0.0711% | 6,124 |
| Net loans and leases to total assets | 65.5805% | 2,710 |
| Net loans and leases to deposits | 72.9958% | 3,406 |
| Net loans and leases to core deposits | 75.3789% | 3,690 |
| Total domestic deposits to total assets | 89.8414% | 1,088 |
| Equity capital to assets | 9.9388% | 3,990 |
| Core capital (leverage) ratio | 9.5957% | 4,252 |
| Tier 1 risk-based capital ratio | 12.5008% | 5,456 |
| Total risk-based capital ratio | 13.6004% | 5,482 |
| Memoranda: | ||
| Average total assets | $44,299,250 | 6,240 |
| Average earning assets | $41,634,000 | 6,191 |
| Average equity | $4,173,750 | 6,358 |
| Average total loans | $27,631,250 | 5,920 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 2,980 |
| Cost of funding earning assets | 0.4413% | 4,527 |
| Net interest margin | 3.8529% | 2,367 |
| Noninterest income to average assets | 0.5116% | 3,762 |
| Noninterest expense to average assets | 3.2474% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8400% | 3,101 |
| Return on assets (ROA) | 1.0365% | 2,289 |
| Pretax return on assets | 1.0810% | 3,168 |
| Return on Equity (ROE) | 11.1939% | 1,748 |
| Retained earnings to average equity (ytd only) | 11.1939% | 610 |
| Net charge-offs to loans | 0.0218% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 65.6667% | 664 |
| Efficiency ratio | 78.7487% | 2,339 |
| Assets per employee ($millions) | 2.8993% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,654 |
| Loan loss allowance to noncurrent loans | 416.2791% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 5,901 |
| Noncurrent loans to loans | 0.3048% | 5,543 |
| Net loans and leases to total assets | 64.0622% | 2,903 |
| Net loans and leases to deposits | 72.8652% | 3,327 |
| Net loans and leases to core deposits | 75.2241% | 3,643 |
| Total domestic deposits to total assets | 87.9188% | 2,301 |
| Equity capital to assets | 9.6231% | 4,418 |
| Core capital (leverage) ratio | 9.3473% | 4,476 |
| Tier 1 risk-based capital ratio | 12.4840% | 5,517 |
| Total risk-based capital ratio | 13.5741% | 5,558 |
| Memoranda: | ||
| Average total assets | $44,959,330 | 6,259 |
| Average earning assets | $42,150,330 | 6,219 |
| Average equity | $4,163,000 | 6,413 |
| Average total loans | $27,470,330 | 5,962 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 4,109 |
| Cost of funding earning assets | 0.4437% | 4,669 |
| Net interest margin | 3.5587% | 3,433 |
| Noninterest income to average assets | 0.3589% | 4,796 |
| Noninterest expense to average assets | 3.2301% | 2,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4640% | 4,856 |
| Return on assets (ROA) | 0.4640% | 5,019 |
| Pretax return on assets | 0.4990% | 5,261 |
| Return on Equity (ROE) | 5.1060% | 4,514 |
| Retained earnings to average equity (ytd only) | 5.1060% | 3,173 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6197% | 1,447 |
| Assets per employee ($millions) | 2.9497% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 4,401 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 6,475 |
| Noncurrent loans to loans | 0.0718% | 6,266 |
| Net loans and leases to total assets | 58.9680% | 3,614 |
| Net loans and leases to deposits | 65.1705% | 4,166 |
| Net loans and leases to core deposits | 66.5332% | 4,461 |
| Total domestic deposits to total assets | 90.4828% | 777 |
| Equity capital to assets | 9.4201% | 4,975 |
| Core capital (leverage) ratio | 8.6469% | 5,395 |
| Tier 1 risk-based capital ratio | 12.1860% | 5,801 |
| Total risk-based capital ratio | 13.3083% | 5,833 |
| Memoranda: | ||
| Average total assets | $45,694,500 | 6,298 |
| Average earning assets | $43,274,000 | 6,236 |
| Average equity | $4,152,000 | 6,477 |
| Average total loans | $27,096,500 | 6,023 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 3,716 |
| Cost of funding earning assets | 0.5540% | 4,782 |
| Net interest margin | 3.8703% | 2,946 |
| Noninterest income to average assets | 0.4929% | 3,949 |
| Noninterest expense to average assets | 3.3492% | 2,191 |
| Loan and lease loss provision to assets | 0.0688% | 4,888 |
| Net operating income to assets | 0.6496% | 3,989 |
| Return on assets (ROA) | 0.6625% | 4,185 |
| Pretax return on assets | 0.7084% | 4,643 |
| Return on Equity (ROE) | 7.2027% | 3,526 |
| Retained earnings to average equity (ytd only) | 2.6418% | 4,373 |
| Net charge-offs to loans | -0.0655% | 6,753 |
| Credit loss provision to net charge-offs | -176.4706% | 6,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4381% | 1,953 |
| Assets per employee ($millions) | 2.9464% | 6,087 |
| Cash dividends to net income (ytd only)* | 63.3218% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 4,629 |
| Loan loss allowance to noncurrent loans | 1,805.0000% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 6,191 |
| Noncurrent loans to loans | 0.0721% | 6,305 |
| Net loans and leases to total assets | 58.0786% | 3,966 |
| Net loans and leases to deposits | 63.7426% | 4,565 |
| Net loans and leases to core deposits | 65.0001% | 4,835 |
| Total domestic deposits to total assets | 91.1143% | 456 |
| Equity capital to assets | 8.7733% | 5,767 |
| Core capital (leverage) ratio | 8.7162% | 5,303 |
| Tier 1 risk-based capital ratio | 11.2550% | 6,242 |
| Total risk-based capital ratio | 12.3054% | 6,294 |
| Memoranda: | ||
| Average total assets | $43,622,400 | 6,382 |
| Average earning assets | $40,797,400 | 6,335 |
| Average equity | $4,012,400 | 6,563 |
| Average total loans | $25,962,800 | 6,140 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5685% | 3,341 |
| Cost of funding earning assets | 0.5824% | 4,820 |
| Net interest margin | 3.9862% | 2,557 |
| Noninterest income to average assets | 0.5365% | 3,700 |
| Noninterest expense to average assets | 3.3471% | 2,144 |
| Loan and lease loss provision to assets | 0.0718% | 4,774 |
| Net operating income to assets | 0.7870% | 3,517 |
| Return on assets (ROA) | 0.8048% | 3,670 |
| Pretax return on assets | 0.8516% | 4,298 |
| Return on Equity (ROE) | 8.6397% | 2,983 |
| Retained earnings to average equity (ytd only) | 3.1812% | 4,628 |
| Net charge-offs to loans | -0.0732% | 6,792 |
| Credit loss provision to net charge-offs | -164.2857% | 6,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7234% | 2,280 |
| Assets per employee ($millions) | 2.6598% | 6,539 |
| Cash dividends to net income (ytd only)* | 63.1792% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 4,586 |
| Loan loss allowance to noncurrent loans | 1,253.5714% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 6,091 |
| Noncurrent loans to loans | 0.1076% | 6,347 |
| Net loans and leases to total assets | 60.3121% | 3,714 |
| Net loans and leases to deposits | 66.9388% | 4,348 |
| Net loans and leases to core deposits | 68.9695% | 4,613 |
| Total domestic deposits to total assets | 90.1003% | 795 |
| Equity capital to assets | 9.7234% | 4,893 |
| Core capital (leverage) ratio | 9.1851% | 4,786 |
| Tier 1 risk-based capital ratio | 12.0096% | 5,929 |
| Total risk-based capital ratio | 13.1025% | 6,008 |
| Memoranda: | ||
| Average total assets | $42,742,250 | 6,479 |
| Average earning assets | $39,836,500 | 6,441 |
| Average equity | $3,981,500 | 6,650 |
| Average total loans | $25,518,250 | 6,246 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 3,585 |
| Cost of funding earning assets | 0.5989% | 4,917 |
| Net interest margin | 3.9457% | 2,729 |
| Noninterest income to average assets | 0.6168% | 3,156 |
| Noninterest expense to average assets | 3.2754% | 2,372 |
| Loan and lease loss provision to assets | 0.0701% | 4,753 |
| Net operating income to assets | 0.8878% | 2,966 |
| Return on assets (ROA) | 0.8878% | 3,229 |
| Pretax return on assets | 0.9345% | 3,944 |
| Return on Equity (ROE) | 9.6709% | 2,499 |
| Retained earnings to average equity (ytd only) | 3.4103% | 4,328 |
| Net charge-offs to loans | -0.0079% | 6,238 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5284% | 2,667 |
| Assets per employee ($millions) | 3.0325% | 6,001 |
| Cash dividends to net income (ytd only)* | 64.7368% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 5,090 |
| Loan loss allowance to noncurrent loans | 970.5882% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 5,975 |
| Noncurrent loans to loans | 0.1296% | 6,338 |
| Net loans and leases to total assets | 61.0364% | 3,619 |
| Net loans and leases to deposits | 67.5574% | 4,278 |
| Net loans and leases to core deposits | 69.0461% | 4,664 |
| Total domestic deposits to total assets | 90.3474% | 738 |
| Equity capital to assets | 9.4806% | 5,094 |
| Core capital (leverage) ratio | 9.1032% | 4,760 |
| Tier 1 risk-based capital ratio | 12.0420% | 5,900 |
| Total risk-based capital ratio | 13.0799% | 6,007 |
| Memoranda: | ||
| Average total assets | $42,804,000 | 6,517 |
| Average earning assets | $39,739,000 | 6,485 |
| Average equity | $3,929,330 | 6,705 |
| Average total loans | $25,351,670 | 6,299 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 3,791 |
| Cost of funding earning assets | 0.6129% | 5,032 |
| Net interest margin | 3.9186% | 2,847 |
| Noninterest income to average assets | 0.6236% | 3,086 |
| Noninterest expense to average assets | 3.2761% | 2,370 |
| Loan and lease loss provision to assets | 0.0745% | 4,468 |
| Net operating income to assets | 0.8562% | 3,125 |
| Return on assets (ROA) | 0.8562% | 3,360 |
| Pretax return on assets | 0.9028% | 4,019 |
| Return on Equity (ROE) | 9.4809% | 2,610 |
| Retained earnings to average equity (ytd only) | 5.5649% | 3,225 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0241% | 2,646 |
| Assets per employee ($millions) | 3.0725% | 6,015 |
| Cash dividends to net income (ytd only)* | 41.3043% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 5,341 |
| Loan loss allowance to noncurrent loans | 1,192.5926% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 6,157 |
| Noncurrent loans to loans | 0.1035% | 6,500 |
| Net loans and leases to total assets | 59.8954% | 3,689 |
| Net loans and leases to deposits | 66.8032% | 4,259 |
| Net loans and leases to core deposits | 68.2635% | 4,652 |
| Total domestic deposits to total assets | 89.6594% | 1,265 |
| Equity capital to assets | 9.2549% | 5,149 |
| Core capital (leverage) ratio | 9.0667% | 4,739 |
| Tier 1 risk-based capital ratio | 11.8509% | 6,050 |
| Total risk-based capital ratio | 12.8509% | 6,202 |
| Memoranda: | ||
| Average total assets | $42,978,500 | 6,565 |
| Average earning assets | $39,810,000 | 6,535 |
| Average equity | $3,881,500 | 6,755 |
| Average total loans | $24,906,000 | 6,376 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9029% | 3,340 |
| Cost of funding earning assets | 0.7694% | 5,062 |
| Net interest margin | 4.1334% | 2,294 |
| Noninterest income to average assets | 0.6508% | 2,881 |
| Noninterest expense to average assets | 3.4799% | 2,035 |
| Loan and lease loss provision to assets | 0.0737% | 5,694 |
| Net operating income to assets | 0.9088% | 2,563 |
| Return on assets (ROA) | 0.9111% | 2,673 |
| Pretax return on assets | 0.9651% | 3,374 |
| Return on Equity (ROE) | 10.0974% | 2,029 |
| Retained earnings to average equity (ytd only) | 5.2528% | 2,483 |
| Net charge-offs to loans | 0.1649% | 4,833 |
| Credit loss provision to net charge-offs | 75.0000% | 4,670 |
| Earnings coverage of net charge-offs (x) | 10.5500% | 1,822 |
| Efficiency ratio | 77.0527% | 2,739 |
| Assets per employee ($millions) | 3.0673% | 5,957 |
| Cash dividends to net income (ytd only)* | 47.9784% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 4,792 |
| Loan loss allowance to noncurrent loans | 1,082.7586% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 6,221 |
| Noncurrent loans to loans | 0.1222% | 6,501 |
| Net loans and leases to total assets | 54.5201% | 4,945 |
| Net loans and leases to deposits | 59.8849% | 5,496 |
| Net loans and leases to core deposits | 61.1711% | 5,736 |
| Total domestic deposits to total assets | 91.0414% | 490 |
| Equity capital to assets | 8.8072% | 5,788 |
| Core capital (leverage) ratio | 8.9223% | 4,899 |
| Tier 1 risk-based capital ratio | 13.0439% | 5,029 |
| Total risk-based capital ratio | 14.1327% | 5,142 |
| Memoranda: | ||
| Average total assets | $40,720,000 | 6,649 |
| Average earning assets | $38,079,800 | 6,602 |
| Average equity | $3,674,200 | 6,835 |
| Average total loans | $24,259,600 | 6,455 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0176% | 3,000 |
| Cost of funding earning assets | 0.8003% | 5,144 |
| Net interest margin | 4.2173% | 2,035 |
| Noninterest income to average assets | 0.6307% | 2,987 |
| Noninterest expense to average assets | 3.5420% | 1,828 |
| Loan and lease loss provision to assets | 0.0764% | 5,493 |
| Net operating income to assets | 0.9164% | 2,684 |
| Return on assets (ROA) | 0.9195% | 2,810 |
| Pretax return on assets | 0.9693% | 3,518 |
| Return on Equity (ROE) | 10.1260% | 2,153 |
| Retained earnings to average equity (ytd only) | 6.1413% | 2,468 |
| Net charge-offs to loans | 0.1968% | 4,225 |
| Credit loss provision to net charge-offs | 63.8889% | 4,676 |
| Earnings coverage of net charge-offs (x) | 8.7221% | 2,134 |
| Efficiency ratio | 77.2629% | 2,645 |
| Assets per employee ($millions) | 2.9321% | 6,257 |
| Cash dividends to net income (ytd only)* | 39.3507% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 5,129 |
| Loan loss allowance to noncurrent loans | 676.0870% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 6,189 |
| Noncurrent loans to loans | 0.1884% | 6,491 |
| Net loans and leases to total assets | 58.7162% | 4,369 |
| Net loans and leases to deposits | 64.8331% | 5,070 |
| Net loans and leases to core deposits | 66.2953% | 5,381 |
| Total domestic deposits to total assets | 90.5652% | 602 |
| Equity capital to assets | 9.1985% | 5,516 |
| Core capital (leverage) ratio | 9.2684% | 4,507 |
| Tier 1 risk-based capital ratio | 12.6524% | 5,364 |
| Total risk-based capital ratio | 13.7053% | 5,524 |
| Memoranda: | ||
| Average total assets | $40,164,500 | 6,722 |
| Average earning assets | $37,653,500 | 6,674 |
| Average equity | $3,647,250 | 6,897 |
| Average total loans | $24,393,000 | 6,510 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9934% | 3,183 |
| Cost of funding earning assets | 0.8260% | 5,208 |
| Net interest margin | 4.1674% | 2,166 |
| Noninterest income to average assets | 0.5970% | 3,166 |
| Noninterest expense to average assets | 3.5767% | 1,795 |
| Loan and lease loss provision to assets | 0.0752% | 5,370 |
| Net operating income to assets | 0.8127% | 3,015 |
| Return on assets (ROA) | 0.8127% | 3,141 |
| Pretax return on assets | 0.8678% | 3,769 |
| Return on Equity (ROE) | 8.9892% | 2,521 |
| Retained earnings to average equity (ytd only) | 5.8818% | 2,501 |
| Net charge-offs to loans | 0.1312% | 4,430 |
| Credit loss provision to net charge-offs | 93.7500% | 3,350 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,681 |
| Efficiency ratio | 79.1343% | 2,533 |
| Assets per employee ($millions) | 2.8487% | 6,390 |
| Cash dividends to net income (ytd only)* | 34.5679% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 5,009 |
| Loan loss allowance to noncurrent loans | 205.7325% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 6,154 |
| Noncurrent loans to loans | 0.6374% | 5,653 |
| Net loans and leases to total assets | 60.9523% | 4,096 |
| Net loans and leases to deposits | 67.4351% | 4,793 |
| Net loans and leases to core deposits | 69.1992% | 5,162 |
| Total domestic deposits to total assets | 90.3866% | 766 |
| Equity capital to assets | 9.3877% | 5,000 |
| Core capital (leverage) ratio | 9.0557% | 4,636 |
| Tier 1 risk-based capital ratio | 12.5512% | 5,293 |
| Total risk-based capital ratio | 13.6544% | 5,415 |
| Memoranda: | ||
| Average total assets | $39,869,330 | 6,789 |
| Average earning assets | $37,529,330 | 6,742 |
| Average equity | $3,604,330 | 6,955 |
| Average total loans | $24,386,000 | 6,567 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 3,323 |
| Cost of funding earning assets | 0.8501% | 5,271 |
| Net interest margin | 4.1015% | 2,260 |
| Noninterest income to average assets | 0.6021% | 3,148 |
| Noninterest expense to average assets | 3.6425% | 1,670 |
| Loan and lease loss provision to assets | 0.0702% | 5,119 |
| Net operating income to assets | 0.7325% | 3,361 |
| Return on assets (ROA) | 0.7325% | 3,428 |
| Pretax return on assets | 0.7626% | 4,041 |
| Return on Equity (ROE) | 8.2614% | 2,794 |
| Retained earnings to average equity (ytd only) | 8.2614% | 1,630 |
| Net charge-offs to loans | 0.2638% | 3,016 |
| Credit loss provision to net charge-offs | 43.7500% | 3,875 |
| Earnings coverage of net charge-offs (x) | 5.1875% | 2,318 |
| Efficiency ratio | 81.3901% | 2,323 |
| Assets per employee ($millions) | 2.9229% | 6,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 5,218 |
| Loan loss allowance to noncurrent loans | 192.0732% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 6,201 |
| Noncurrent loans to loans | 0.6678% | 5,695 |
| Net loans and leases to total assets | 59.2498% | 4,417 |
| Net loans and leases to deposits | 65.0628% | 5,120 |
| Net loans and leases to core deposits | 66.5158% | 5,464 |
| Total domestic deposits to total assets | 91.0655% | 596 |
| Equity capital to assets | 8.7390% | 5,594 |
| Core capital (leverage) ratio | 8.9818% | 4,642 |
| Tier 1 risk-based capital ratio | 12.2809% | 5,454 |
| Total risk-based capital ratio | 13.3428% | 5,603 |
| Memoranda: | ||
| Average total assets | $39,863,000 | 6,837 |
| Average earning assets | $37,644,500 | 6,779 |
| Average equity | $3,534,500 | 7,003 |
| Average total loans | $24,263,000 | 6,630 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4285% | 2,554 |
| Cost of funding earning assets | 1.1388% | 4,916 |
| Net interest margin | 4.2897% | 1,858 |
| Noninterest income to average assets | 0.6658% | 3,045 |
| Noninterest expense to average assets | 3.6332% | 1,838 |
| Loan and lease loss provision to assets | 0.1049% | 6,097 |
| Net operating income to assets | 0.8675% | 2,523 |
| Return on assets (ROA) | 0.9253% | 2,420 |
| Pretax return on assets | 0.9673% | 3,039 |
| Return on Equity (ROE) | 10.0926% | 1,889 |
| Retained earnings to average equity (ytd only) | 7.3193% | 1,199 |
| Net charge-offs to loans | 0.7991% | 2,639 |
| Credit loss provision to net charge-offs | 19.0476% | 6,559 |
| Earnings coverage of net charge-offs (x) | 1.8381% | 4,349 |
| Efficiency ratio | 78.2167% | 2,670 |
| Assets per employee ($millions) | 2.5871% | 6,880 |
| Cash dividends to net income (ytd only)* | 27.4788% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 4,737 |
| Loan loss allowance to noncurrent loans | 183.0508% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 6,138 |
| Noncurrent loans to loans | 0.7385% | 5,568 |
| Net loans and leases to total assets | 60.9236% | 4,500 |
| Net loans and leases to deposits | 67.0962% | 5,234 |
| Net loans and leases to core deposits | 68.6788% | 5,585 |
| Total domestic deposits to total assets | 90.8004% | 693 |
| Equity capital to assets | 9.0012% | 5,143 |
| Core capital (leverage) ratio | 9.2889% | 4,026 |
| Tier 1 risk-based capital ratio | 12.4664% | 5,049 |
| Total risk-based capital ratio | 13.5981% | 5,137 |
| Memoranda: | ||
| Average total assets | $38,148,000 | 6,930 |
| Average earning assets | $35,387,200 | 6,904 |
| Average equity | $3,497,600 | 7,136 |
| Average total loans | $26,280,200 | 6,598 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5526% | 2,242 |
| Cost of funding earning assets | 1.2102% | 4,803 |
| Net interest margin | 4.3424% | 1,705 |
| Noninterest income to average assets | 0.6845% | 2,913 |
| Noninterest expense to average assets | 3.6015% | 1,790 |
| Loan and lease loss provision to assets | 0.0877% | 6,171 |
| Net operating income to assets | 0.9539% | 2,401 |
| Return on assets (ROA) | 1.0039% | 2,338 |
| Pretax return on assets | 1.0531% | 2,987 |
| Return on Equity (ROE) | 10.8987% | 1,821 |
| Retained earnings to average equity (ytd only) | 10.0605% | 780 |
| Net charge-offs to loans | 0.8737% | 2,261 |
| Credit loss provision to net charge-offs | 14.2045% | 6,299 |
| Earnings coverage of net charge-offs (x) | 1.7614% | 4,394 |
| Efficiency ratio | 76.7964% | 2,799 |
| Assets per employee ($millions) | 2.3043% | 7,301 |
| Cash dividends to net income (ytd only)* | 7.6917% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 5,020 |
| Loan loss allowance to noncurrent loans | 25.1651% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 3.6970% | 1,925 |
| Noncurrent loans to loans | 5.1293% | 1,338 |
| Net loans and leases to total assets | 71.1457% | 2,452 |
| Net loans and leases to deposits | 79.2399% | 3,590 |
| Net loans and leases to core deposits | 79.9915% | 4,519 |
| Total domestic deposits to total assets | 89.7852% | 976 |
| Equity capital to assets | 9.9544% | 4,214 |
| Core capital (leverage) ratio | 9.4847% | 3,928 |
| Tier 1 risk-based capital ratio | 12.2061% | 5,263 |
| Total risk-based capital ratio | 13.3749% | 5,303 |
| Memoranda: | ||
| Average total assets | $37,983,500 | 7,018 |
| Average earning assets | $35,033,750 | 6,994 |
| Average equity | $3,498,750 | 7,225 |
| Average total loans | $26,858,750 | 6,650 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5734% | 2,236 |
| Cost of funding earning assets | 1.2940% | 4,575 |
| Net interest margin | 4.2794% | 1,853 |
| Noninterest income to average assets | 0.6622% | 2,943 |
| Noninterest expense to average assets | 3.5301% | 1,960 |
| Loan and lease loss provision to assets | 0.0521% | 6,441 |
| Net operating income to assets | 0.9699% | 2,297 |
| Return on assets (ROA) | 0.9699% | 2,381 |
| Pretax return on assets | 1.0116% | 3,074 |
| Return on Equity (ROE) | 10.8087% | 1,813 |
| Retained earnings to average equity (ytd only) | 10.8087% | 688 |
| Net charge-offs to loans | 1.3950% | 1,367 |
| Credit loss provision to net charge-offs | 5.3191% | 5,982 |
| Earnings coverage of net charge-offs (x) | 1.0851% | 4,709 |
| Efficiency ratio | 76.8445% | 2,925 |
| Assets per employee ($millions) | 2.3748% | 7,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 5,468 |
| Loan loss allowance to noncurrent loans | 23.2353% | 6,777 |
| Noncurrent assets plus other real estate owned to assets | 3.5792% | 1,963 |
| Noncurrent loans to loans | 5.1554% | 1,326 |
| Net loans and leases to total assets | 68.5949% | 3,221 |
| Net loans and leases to deposits | 75.7983% | 4,372 |
| Net loans and leases to core deposits | 76.4856% | 5,142 |
| Total domestic deposits to total assets | 90.4966% | 685 |
| Equity capital to assets | 9.2665% | 5,052 |
| Core capital (leverage) ratio | 9.0229% | 4,563 |
| Tier 1 risk-based capital ratio | 11.6992% | 5,586 |
| Total risk-based capital ratio | 12.7558% | 5,736 |
| Memoranda: | ||
| Average total assets | $38,355,330 | 7,056 |
| Average earning assets | $35,238,670 | 7,032 |
| Average equity | $3,441,670 | 7,282 |
| Average total loans | $26,954,000 | 6,695 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7976% | 1,466 |
| Cost of funding earning assets | 1.3440% | 4,534 |
| Net interest margin | 4.4536% | 1,248 |
| Noninterest income to average assets | 0.6643% | 2,855 |
| Noninterest expense to average assets | 3.5085% | 1,957 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1730% | 1,610 |
| Return on assets (ROA) | 1.1730% | 1,692 |
| Pretax return on assets | 1.2145% | 2,314 |
| Return on Equity (ROE) | 13.2863% | 1,196 |
| Retained earnings to average equity (ytd only) | 13.2863% | 584 |
| Net charge-offs to loans | 1.1894% | 1,430 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.4444% | 3,877 |
| Efficiency ratio | 74.2857% | 3,532 |
| Assets per employee ($millions) | 2.9762% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 3,699 |
| Loan loss allowance to noncurrent loans | 25.7001% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 4.2051% | 1,620 |
| Noncurrent loans to loans | 5.9911% | 1,099 |
| Net loans and leases to total assets | 68.2588% | 3,319 |
| Net loans and leases to deposits | 75.1244% | 4,554 |
| Net loans and leases to core deposits | 75.7884% | 5,289 |
| Total domestic deposits to total assets | 90.8609% | 602 |
| Equity capital to assets | 8.9323% | 5,376 |
| Core capital (leverage) ratio | 8.8677% | 4,773 |
| Tier 1 risk-based capital ratio | 11.4142% | 5,748 |
| Total risk-based capital ratio | 12.6199% | 5,770 |
| Memoranda: | ||
| Average total assets | $38,534,500 | 7,137 |
| Average earning assets | $35,118,000 | 7,122 |
| Average equity | $3,402,000 | 7,371 |
| Average total loans | $27,241,000 | 6,762 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8477% | 2,448 |
| Cost of funding earning assets | 1.5700% | 5,185 |
| Net interest margin | 4.2777% | 1,788 |
| Noninterest income to average assets | 0.7264% | 2,807 |
| Noninterest expense to average assets | 4.2215% | 1,067 |
| Loan and lease loss provision to assets | 0.8890% | 2,523 |
| Net operating income to assets | -0.4145% | 6,098 |
| Return on assets (ROA) | -0.4216% | 6,099 |
| Pretax return on assets | -0.4470% | 5,961 |
| Return on Equity (ROE) | -4.8430% | 6,195 |
| Retained earnings to average equity (ytd only) | -5.5724% | 6,097 |
| Net charge-offs to loans | 0.5921% | 3,443 |
| Credit loss provision to net charge-offs | 202.3121% | 1,919 |
| Earnings coverage of net charge-offs (x) | 1.0231% | 5,091 |
| Efficiency ratio | 90.3752% | 1,679 |
| Assets per employee ($millions) | 2.7413% | 6,778 |
| Cash dividends to net income (ytd only)* | -15.0602% | 7,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7860% | 2,595 |
| Loan loss allowance to noncurrent loans | 35.2605% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 4.3671% | 1,487 |
| Noncurrent loans to loans | 5.0653% | 1,328 |
| Net loans and leases to total assets | 70.7827% | 3,059 |
| Net loans and leases to deposits | 77.7209% | 4,437 |
| Net loans and leases to core deposits | 83.5409% | 5,761 |
| Total domestic deposits to total assets | 91.0730% | 507 |
| Equity capital to assets | 8.7237% | 5,556 |
| Core capital (leverage) ratio | 8.6662% | 4,983 |
| Tier 1 risk-based capital ratio | 11.3246% | 5,592 |
| Total risk-based capital ratio | 12.5790% | 5,531 |
| Memoranda: | ||
| Average total assets | $39,369,600 | 7,121 |
| Average earning assets | $36,304,600 | 7,088 |
| Average equity | $3,427,600 | 7,466 |
| Average total loans | $29,220,200 | 6,675 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8267% | 2,773 |
| Cost of funding earning assets | 1.6181% | 5,319 |
| Net interest margin | 4.2085% | 2,024 |
| Noninterest income to average assets | 0.7438% | 2,739 |
| Noninterest expense to average assets | 4.2741% | 942 |
| Loan and lease loss provision to assets | 1.1779% | 1,647 |
| Net operating income to assets | -0.8346% | 6,715 |
| Return on assets (ROA) | -0.8447% | 6,718 |
| Pretax return on assets | -0.8144% | 6,553 |
| Return on Equity (ROE) | -9.7073% | 6,875 |
| Retained earnings to average equity (ytd only) | -10.6741% | 6,865 |
| Net charge-offs to loans | 1.1887% | 1,708 |
| Credit loss provision to net charge-offs | 132.5758% | 3,773 |
| Earnings coverage of net charge-offs (x) | 0.4205% | 5,611 |
| Efficiency ratio | 91.9623% | 1,545 |
| Assets per employee ($millions) | 2.3844% | 7,397 |
| Cash dividends to net income (ytd only)* | -9.9594% | 7,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 4,045 |
| Loan loss allowance to noncurrent loans | 27.5838% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 4.6999% | 1,273 |
| Noncurrent loans to loans | 5.0093% | 1,318 |
| Net loans and leases to total assets | 75.3945% | 2,134 |
| Net loans and leases to deposits | 82.7236% | 3,886 |
| Net loans and leases to core deposits | 89.8366% | 5,448 |
| Total domestic deposits to total assets | 91.1402% | 368 |
| Equity capital to assets | 8.5557% | 6,175 |
| Core capital (leverage) ratio | 8.3545% | 5,742 |
| Tier 1 risk-based capital ratio | 10.6700% | 6,276 |
| Total risk-based capital ratio | 11.9195% | 6,255 |
| Memoranda: | ||
| Average total assets | $39,617,500 | 7,171 |
| Average earning assets | $36,749,750 | 7,122 |
| Average equity | $3,447,500 | 7,523 |
| Average total loans | $29,610,500 | 6,703 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8346% | 2,880 |
| Cost of funding earning assets | 1.6740% | 5,395 |
| Net interest margin | 4.1607% | 2,121 |
| Noninterest income to average assets | 0.7081% | 2,943 |
| Noninterest expense to average assets | 4.1439% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3826% | 4,573 |
| Return on assets (ROA) | 0.3690% | 4,722 |
| Pretax return on assets | 0.4039% | 4,924 |
| Return on Equity (ROE) | 4.2181% | 4,411 |
| Retained earnings to average equity (ytd only) | 4.2181% | 2,956 |
| Net charge-offs to loans | 0.1546% | 4,647 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 3.6522% | 3,355 |
| Efficiency ratio | 90.8197% | 1,742 |
| Assets per employee ($millions) | 2.4678% | 7,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 6,184 |
| Loan loss allowance to noncurrent loans | 17.4584% | 7,256 |
| Noncurrent assets plus other real estate owned to assets | 4.6778% | 1,186 |
| Noncurrent loans to loans | 5.7683% | 968 |
| Net loans and leases to total assets | 73.1942% | 2,913 |
| Net loans and leases to deposits | 81.2802% | 4,340 |
| Net loans and leases to core deposits | 89.4598% | 5,576 |
| Total domestic deposits to total assets | 90.0517% | 809 |
| Equity capital to assets | 9.0771% | 5,203 |
| Core capital (leverage) ratio | 8.8731% | 4,828 |
| Tier 1 risk-based capital ratio | 11.6380% | 5,253 |
| Total risk-based capital ratio | 12.5943% | 5,459 |
| Memoranda: | ||
| Average total assets | $40,106,670 | 7,205 |
| Average earning assets | $37,157,330 | 7,171 |
| Average equity | $3,508,670 | 7,571 |
| Average total loans | $29,758,670 | 6,747 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9490% | 2,571 |
| Cost of funding earning assets | 1.6708% | 5,737 |
| Net interest margin | 4.2782% | 1,654 |
| Noninterest income to average assets | 0.6928% | 2,934 |
| Noninterest expense to average assets | 3.5925% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0391% | 2,167 |
| Return on assets (ROA) | 1.0391% | 2,296 |
| Pretax return on assets | 1.0787% | 3,065 |
| Return on Equity (ROE) | 12.1003% | 1,632 |
| Retained earnings to average equity (ytd only) | 12.1003% | 770 |
| Net charge-offs to loans | 0.2663% | 3,069 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.4500% | 2,673 |
| Efficiency ratio | 76.9068% | 3,344 |
| Assets per employee ($millions) | 2.4843% | 7,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 6,165 |
| Loan loss allowance to noncurrent loans | 17.5015% | 7,291 |
| Noncurrent assets plus other real estate owned to assets | 4.7498% | 981 |
| Noncurrent loans to loans | 5.7215% | 863 |
| Net loans and leases to total assets | 73.8710% | 2,789 |
| Net loans and leases to deposits | 81.6501% | 4,337 |
| Net loans and leases to core deposits | 89.7979% | 5,574 |
| Total domestic deposits to total assets | 90.4727% | 605 |
| Equity capital to assets | 8.8053% | 5,615 |
| Core capital (leverage) ratio | 8.9971% | 4,717 |
| Tier 1 risk-based capital ratio | 11.3330% | 5,563 |
| Total risk-based capital ratio | 12.2657% | 5,792 |
| Memoranda: | ||
| Average total assets | $40,418,000 | 7,229 |
| Average earning assets | $37,586,000 | 7,194 |
| Average equity | $3,471,000 | 7,634 |
| Average total loans | $30,041,000 | 6,760 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3049% | 3,939 |
| Cost of funding earning assets | 2.5453% | 3,978 |
| Net interest margin | 3.7596% | 4,181 |
| Noninterest income to average assets | 0.7109% | 3,048 |
| Noninterest expense to average assets | 3.6319% | 2,076 |
| Loan and lease loss provision to assets | 0.7012% | 2,099 |
| Net operating income to assets | -0.1112% | 6,511 |
| Return on assets (ROA) | -0.1112% | 6,364 |
| Pretax return on assets | -0.1185% | 6,288 |
| Return on Equity (ROE) | -1.2630% | 6,398 |
| Retained earnings to average equity (ytd only) | -4.9421% | 6,502 |
| Net charge-offs to loans | 1.2277% | 984 |
| Credit loss provision to net charge-offs | 71.4286% | 6,052 |
| Earnings coverage of net charge-offs (x) | 0.5936% | 5,869 |
| Efficiency ratio | 86.1733% | 1,837 |
| Assets per employee ($millions) | 2.7391% | 6,702 |
| Cash dividends to net income (ytd only)* | -291.3043% | 8,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 5,699 |
| Loan loss allowance to noncurrent loans | 19.2354% | 7,269 |
| Noncurrent assets plus other real estate owned to assets | 4.3712% | 882 |
| Noncurrent loans to loans | 5.4171% | 766 |
| Net loans and leases to total assets | 73.2714% | 3,291 |
| Net loans and leases to deposits | 80.6607% | 4,932 |
| Net loans and leases to core deposits | 88.3155% | 5,947 |
| Total domestic deposits to total assets | 90.8390% | 371 |
| Equity capital to assets | 8.3773% | 6,298 |
| Core capital (leverage) ratio | 8.5264% | 5,526 |
| Tier 1 risk-based capital ratio | 10.6285% | 6,070 |
| Total risk-based capital ratio | 11.5900% | 6,250 |
| Memoranda: | ||
| Average total assets | $41,355,200 | 7,154 |
| Average earning assets | $38,541,600 | 7,109 |
| Average equity | $3,642,200 | 7,636 |
| Average total loans | $33,070,400 | 6,542 |