Home > Connections Bank > Performance and Condition Ratios
Connections Bank, Performance and Condition Ratios
| 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 | 5.3333% | 496 |
| Cost of funding earning assets | 1.2256% | 226 |
| Net interest margin | 4.1077% | 1,602 |
| Noninterest income to average assets | 0.3492% | 3,801 |
| Noninterest expense to average assets | 3.3817% | 1,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4494% | 4,853 |
| Return on assets (ROA) | 0.4494% | 4,859 |
| Pretax return on assets | 0.5432% | 4,831 |
| Return on Equity (ROE) | 4.3047% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.3047% | 3,607 |
| Net charge-offs to loans | 0.0880% | 1,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 9.3329% | 2,649 |
| Efficiency ratio | 84.9259% | 584 |
| Assets per employee ($millions) | 3.5481% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6744% | 4,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 68.4877% | 2,868 |
| Net loans and leases to deposits | 80.5169% | 2,984 |
| Net loans and leases to core deposits | 97.0770% | 2,018 |
| Total domestic deposits to total assets | 85.0600% | 2,583 |
| Equity capital to assets | 10.1181% | 3,521 |
| Core capital (leverage) ratio | 9.1189% | 4,602 |
| Tier 1 risk-based capital ratio | 14.5893% | 3,069 |
| Total risk-based capital ratio | 15.3503% | 3,235 |
| Memoranda: | ||
| Average total assets | $41,240,250 | 5,142 |
| Average earning assets | $35,899,250 | 5,163 |
| Average equity | $4,305,250 | 5,203 |
| Average total loans | $27,268,250 | 4,935 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 462 |
| Cost of funding earning assets | 1.1827% | 194 |
| Net interest margin | 4.1252% | 1,476 |
| Noninterest income to average assets | 0.3530% | 3,804 |
| Noninterest expense to average assets | 3.4073% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4265% | 4,910 |
| Return on assets (ROA) | 0.4265% | 4,916 |
| Pretax return on assets | 0.5197% | 4,868 |
| Return on Equity (ROE) | 4.0424% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.0424% | 3,591 |
| Net charge-offs to loans | 0.1355% | 1,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.8889% | 2,677 |
| Efficiency ratio | 85.5181% | 594 |
| Assets per employee ($millions) | 3.4694% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7312% | 4,862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 64.8956% | 3,291 |
| Net loans and leases to deposits | 76.6164% | 3,279 |
| Net loans and leases to core deposits | 90.6583% | 2,517 |
| Total domestic deposits to total assets | 84.7020% | 2,795 |
| Equity capital to assets | 10.3380% | 3,300 |
| Core capital (leverage) ratio | 9.2014% | 4,463 |
| Tier 1 risk-based capital ratio | 14.8336% | 2,956 |
| Total risk-based capital ratio | 15.6229% | 3,091 |
| Memoranda: | ||
| Average total assets | $40,794,670 | 5,207 |
| Average earning assets | $35,343,670 | 5,227 |
| Average equity | $4,304,330 | 5,259 |
| Average total loans | $26,571,670 | 5,007 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1031% | 581 |
| Cost of funding earning assets | 1.1252% | 198 |
| Net interest margin | 3.9780% | 1,793 |
| Noninterest income to average assets | 0.5053% | 2,768 |
| Noninterest expense to average assets | 3.5467% | 928 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3567% | 5,002 |
| Return on assets (ROA) | 0.3567% | 5,008 |
| Pretax return on assets | 0.4260% | 4,994 |
| Return on Equity (ROE) | 3.3453% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.3453% | 3,872 |
| Net charge-offs to loans | 0.2743% | 566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.3889% | 2,466 |
| Efficiency ratio | 88.0299% | 541 |
| Assets per employee ($millions) | 5.0739% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 4,908 |
| Loan loss allowance to noncurrent loans | 485.3659% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 4,580 |
| Noncurrent loans to loans | 0.1553% | 4,286 |
| Net loans and leases to total assets | 64.5414% | 3,236 |
| Net loans and leases to deposits | 74.5766% | 3,360 |
| Net loans and leases to core deposits | 85.3828% | 2,857 |
| Total domestic deposits to total assets | 86.5438% | 2,296 |
| Equity capital to assets | 10.5171% | 3,061 |
| Core capital (leverage) ratio | 9.2169% | 4,411 |
| Tier 1 risk-based capital ratio | 14.3062% | 3,225 |
| Total risk-based capital ratio | 15.0790% | 3,389 |
| Memoranda: | ||
| Average total assets | $40,375,500 | 5,272 |
| Average earning assets | $35,194,000 | 5,289 |
| Average equity | $4,304,500 | 5,312 |
| Average total loans | $26,249,000 | 5,070 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7264% | 187 |
| Cost of funding earning assets | 0.9095% | 354 |
| Net interest margin | 4.8169% | 341 |
| Noninterest income to average assets | 0.2707% | 4,502 |
| Noninterest expense to average assets | 3.2318% | 1,544 |
| Loan and lease loss provision to assets | 0.1078% | 2,085 |
| Net operating income to assets | 0.7278% | 3,482 |
| Return on assets (ROA) | 0.7379% | 3,480 |
| Pretax return on assets | 1.0565% | 3,357 |
| Return on Equity (ROE) | 6.0107% | 3,758 |
| Retained earnings to average equity (ytd only) | -37.2156% | 5,651 |
| Net charge-offs to loans | 0.1953% | 1,305 |
| Credit loss provision to net charge-offs | 91.8367% | 2,751 |
| Earnings coverage of net charge-offs (x) | 9.7959% | 2,749 |
| Efficiency ratio | 72.6627% | 2,132 |
| Assets per employee ($millions) | 3.3467% | 4,885 |
| Cash dividends to net income (ytd only)* | 719.1558% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8237% | 4,760 |
| Loan loss allowance to noncurrent loans | 115.5914% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 3,019 |
| Noncurrent loans to loans | 0.7126% | 2,421 |
| Net loans and leases to total assets | 64.4572% | 3,308 |
| Net loans and leases to deposits | 80.0482% | 2,913 |
| Net loans and leases to core deposits | 93.7050% | 2,220 |
| Total domestic deposits to total assets | 80.5229% | 4,243 |
| Equity capital to assets | 10.8068% | 2,829 |
| Core capital (leverage) ratio | 9.4145% | 4,144 |
| Tier 1 risk-based capital ratio | 14.2598% | 3,217 |
| Total risk-based capital ratio | 15.0940% | 3,357 |
| Memoranda: | ||
| Average total assets | $41,740,800 | 5,304 |
| Average earning assets | $35,624,600 | 5,336 |
| Average equity | $5,124,200 | 5,254 |
| Average total loans | $25,083,800 | 5,156 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7998% | 163 |
| Cost of funding earning assets | 0.8739% | 405 |
| Net interest margin | 4.9259% | 262 |
| Noninterest income to average assets | 0.3955% | 3,719 |
| Noninterest expense to average assets | 3.0535% | 1,947 |
| Loan and lease loss provision to assets | 0.1424% | 1,484 |
| Net operating income to assets | 0.9332% | 2,864 |
| Return on assets (ROA) | 0.9461% | 2,864 |
| Pretax return on assets | 1.3923% | 2,138 |
| Return on Equity (ROE) | 7.4933% | 3,393 |
| Retained earnings to average equity (ytd only) | -47.2899% | 5,719 |
| Net charge-offs to loans | 0.2524% | 861 |
| Credit loss provision to net charge-offs | 95.7447% | 2,376 |
| Earnings coverage of net charge-offs (x) | 10.1907% | 2,622 |
| Efficiency ratio | 65.7895% | 3,250 |
| Assets per employee ($millions) | 3.5430% | 4,661 |
| Cash dividends to net income (ytd only)* | 731.0967% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 4,702 |
| Loan loss allowance to noncurrent loans | 118.4783% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.8209% | 2,096 |
| Noncurrent loans to loans | 0.7311% | 2,529 |
| Net loans and leases to total assets | 58.6814% | 3,995 |
| Net loans and leases to deposits | 71.6226% | 3,812 |
| Net loans and leases to core deposits | 82.1474% | 3,272 |
| Total domestic deposits to total assets | 81.9315% | 3,802 |
| Equity capital to assets | 10.3796% | 3,505 |
| Core capital (leverage) ratio | 8.8302% | 4,934 |
| Tier 1 risk-based capital ratio | 14.1909% | 3,356 |
| Total risk-based capital ratio | 15.0324% | 3,469 |
| Memoranda: | ||
| Average total assets | $42,136,000 | 5,361 |
| Average earning assets | $35,701,250 | 5,396 |
| Average equity | $5,320,250 | 5,276 |
| Average total loans | $24,829,500 | 5,218 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0208% | 122 |
| Cost of funding earning assets | 0.7902% | 549 |
| Net interest margin | 5.2306% | 157 |
| Noninterest income to average assets | 0.5332% | 2,809 |
| Noninterest expense to average assets | 3.1707% | 1,653 |
| Loan and lease loss provision to assets | 0.1428% | 1,430 |
| Net operating income to assets | 1.1378% | 1,830 |
| Return on assets (ROA) | 1.1378% | 1,882 |
| Pretax return on assets | 1.6949% | 1,067 |
| Return on Equity (ROE) | 8.5013% | 2,775 |
| Retained earnings to average equity (ytd only) | -69.2554% | 5,769 |
| Net charge-offs to loans | 0.3803% | 544 |
| Credit loss provision to net charge-offs | 63.8298% | 2,432 |
| Earnings coverage of net charge-offs (x) | 8.2128% | 2,527 |
| Efficiency ratio | 62.3574% | 3,931 |
| Assets per employee ($millions) | 3.6321% | 4,529 |
| Cash dividends to net income (ytd only)* | 914.6444% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 5,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 3,596 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 60.9407% | 3,750 |
| Net loans and leases to deposits | 77.8892% | 3,125 |
| Net loans and leases to core deposits | 88.8090% | 2,635 |
| Total domestic deposits to total assets | 78.2402% | 4,781 |
| Equity capital to assets | 10.0287% | 3,881 |
| Core capital (leverage) ratio | 8.4360% | 5,262 |
| Tier 1 risk-based capital ratio | 12.7830% | 4,133 |
| Total risk-based capital ratio | 13.5206% | 4,329 |
| Memoranda: | ||
| Average total assets | $42,009,330 | 5,407 |
| Average earning assets | $35,942,330 | 5,432 |
| Average equity | $5,622,670 | 5,249 |
| Average total loans | $24,717,000 | 5,256 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7994% | 67 |
| Cost of funding earning assets | 0.7492% | 654 |
| Net interest margin | 6.0502% | 77 |
| Noninterest income to average assets | 0.4367% | 3,404 |
| Noninterest expense to average assets | 3.0081% | 2,144 |
| Loan and lease loss provision to assets | 0.1456% | 1,283 |
| Net operating income to assets | 1.6108% | 663 |
| Return on assets (ROA) | 1.6108% | 680 |
| Pretax return on assets | 2.4550% | 233 |
| Return on Equity (ROE) | 10.6266% | 1,691 |
| Retained earnings to average equity (ytd only) | 10.6266% | 670 |
| Net charge-offs to loans | -0.0506% | 5,188 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7682% | 5,225 |
| Assets per employee ($millions) | 3.4326% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 4,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 3,592 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 58.3550% | 3,942 |
| Net loans and leases to deposits | 75.4433% | 3,258 |
| Net loans and leases to core deposits | 80.0726% | 3,288 |
| Total domestic deposits to total assets | 77.3494% | 5,065 |
| Equity capital to assets | 15.4281% | 574 |
| Core capital (leverage) ratio | 14.0625% | 827 |
| Tier 1 risk-based capital ratio | 22.0319% | 1,084 |
| Total risk-based capital ratio | 22.9669% | 1,095 |
| Memoranda: | ||
| Average total assets | $41,221,500 | 5,483 |
| Average earning assets | $35,238,500 | 5,505 |
| Average equity | $6,248,500 | 5,200 |
| Average total loans | $23,693,500 | 5,346 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5369% | 236 |
| Cost of funding earning assets | 0.7242% | 725 |
| Net interest margin | 4.8128% | 343 |
| Noninterest income to average assets | 0.3601% | 4,161 |
| Noninterest expense to average assets | 3.0455% | 2,200 |
| Loan and lease loss provision to assets | 0.4785% | 293 |
| Net operating income to assets | 0.6935% | 3,814 |
| Return on assets (ROA) | 0.7109% | 3,852 |
| Pretax return on assets | 1.0454% | 3,313 |
| Return on Equity (ROE) | 4.9754% | 4,446 |
| Retained earnings to average equity (ytd only) | 3.3983% | 3,506 |
| Net charge-offs to loans | -0.0519% | 5,401 |
| Credit loss provision to net charge-offs | -1,716.6667% | 5,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0245% | 3,436 |
| Assets per employee ($millions) | 3.4377% | 4,844 |
| Cash dividends to net income (ytd only)* | 31.6993% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 4,571 |
| Loan loss allowance to noncurrent loans | 78.5714% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.0787% | 1,744 |
| Noncurrent loans to loans | 1.2115% | 1,701 |
| Net loans and leases to total assets | 55.4931% | 4,310 |
| Net loans and leases to deposits | 69.3508% | 3,974 |
| Net loans and leases to core deposits | 74.2789% | 3,900 |
| Total domestic deposits to total assets | 80.0179% | 4,571 |
| Equity capital to assets | 14.8890% | 656 |
| Core capital (leverage) ratio | 13.5470% | 958 |
| Tier 1 risk-based capital ratio | 22.0658% | 1,070 |
| Total risk-based capital ratio | 22.9583% | 1,095 |
| Memoranda: | ||
| Average total assets | $43,046,800 | 5,484 |
| Average earning assets | $37,421,400 | 5,519 |
| Average equity | $6,150,200 | 5,254 |
| Average total loans | $23,139,000 | 5,416 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5316% | 236 |
| Cost of funding earning assets | 0.7261% | 714 |
| Net interest margin | 4.8055% | 360 |
| Noninterest income to average assets | 0.2759% | 4,797 |
| Noninterest expense to average assets | 3.0255% | 2,243 |
| Loan and lease loss provision to assets | 0.4935% | 257 |
| Net operating income to assets | 0.6484% | 4,090 |
| Return on assets (ROA) | 0.6713% | 4,120 |
| Pretax return on assets | 0.9901% | 3,666 |
| Return on Equity (ROE) | 4.7461% | 4,620 |
| Retained earnings to average equity (ytd only) | 3.1858% | 4,004 |
| Net charge-offs to loans | -0.0691% | 5,462 |
| Credit loss provision to net charge-offs | -1,341.6667% | 5,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6027% | 3,300 |
| Assets per employee ($millions) | 4.6760% | 2,789 |
| Cash dividends to net income (ytd only)* | 32.8778% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7663% | 5,283 |
| Loan loss allowance to noncurrent loans | 60.9756% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.0740% | 1,910 |
| Noncurrent loans to loans | 1.2568% | 1,779 |
| Net loans and leases to total assets | 53.8471% | 4,502 |
| Net loans and leases to deposits | 68.8826% | 4,077 |
| Net loans and leases to core deposits | 75.5115% | 3,888 |
| Total domestic deposits to total assets | 78.1722% | 4,883 |
| Equity capital to assets | 15.0485% | 734 |
| Core capital (leverage) ratio | 12.6635% | 1,327 |
| Tier 1 risk-based capital ratio | 20.3314% | 1,386 |
| Total risk-based capital ratio | 20.9935% | 1,461 |
| Memoranda: | ||
| Average total assets | $43,495,500 | 5,532 |
| Average earning assets | $38,010,750 | 5,563 |
| Average equity | $6,152,250 | 5,309 |
| Average total loans | $23,145,750 | 5,469 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4350% | 282 |
| Cost of funding earning assets | 0.7013% | 803 |
| Net interest margin | 4.7337% | 404 |
| Noninterest income to average assets | 0.4049% | 3,841 |
| Noninterest expense to average assets | 3.1752% | 1,872 |
| Loan and lease loss provision to assets | 0.5277% | 239 |
| Net operating income to assets | 0.5550% | 4,462 |
| Return on assets (ROA) | 0.5550% | 4,577 |
| Pretax return on assets | 0.8780% | 4,031 |
| Return on Equity (ROE) | 4.0053% | 4,912 |
| Retained earnings to average equity (ytd only) | 1.6415% | 4,726 |
| Net charge-offs to loans | -0.0774% | 5,534 |
| Credit loss provision to net charge-offs | -1,288.8889% | 5,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3148% | 3,095 |
| Assets per employee ($millions) | 4.8388% | 2,501 |
| Cash dividends to net income (ytd only)* | 59.0164% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5324% | 5,763 |
| Loan loss allowance to noncurrent loans | 44.2509% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 1.0402% | 2,045 |
| Noncurrent loans to loans | 1.2031% | 1,918 |
| Net loans and leases to total assets | 54.4858% | 4,461 |
| Net loans and leases to deposits | 70.1700% | 3,967 |
| Net loans and leases to core deposits | 78.7468% | 3,579 |
| Total domestic deposits to total assets | 77.6482% | 5,062 |
| Equity capital to assets | 14.2644% | 943 |
| Core capital (leverage) ratio | 12.5562% | 1,325 |
| Tier 1 risk-based capital ratio | 19.0300% | 1,688 |
| Total risk-based capital ratio | 19.4856% | 1,833 |
| Memoranda: | ||
| Average total assets | $43,966,000 | 5,583 |
| Average earning assets | $38,786,000 | 5,610 |
| Average equity | $6,092,000 | 5,368 |
| Average total loans | $23,249,000 | 5,527 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4935% | 262 |
| Cost of funding earning assets | 0.6712% | 943 |
| Net interest margin | 4.8223% | 346 |
| Noninterest income to average assets | 0.4890% | 3,201 |
| Noninterest expense to average assets | 3.2689% | 1,670 |
| Loan and lease loss provision to assets | 0.5524% | 208 |
| Net operating income to assets | 0.5795% | 4,273 |
| Return on assets (ROA) | 0.5795% | 4,388 |
| Pretax return on assets | 0.8964% | 3,854 |
| Return on Equity (ROE) | 4.2440% | 4,801 |
| Retained earnings to average equity (ytd only) | -0.5305% | 5,206 |
| Net charge-offs to loans | -0.0697% | 5,492 |
| Credit loss provision to net charge-offs | -1,525.0000% | 4,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9060% | 3,310 |
| Assets per employee ($millions) | 4.5020% | 3,063 |
| Cash dividends to net income (ytd only)* | 112.5000% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2905% | 6,009 |
| Loan loss allowance to noncurrent loans | 5.7412% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 2.9631% | 429 |
| Noncurrent loans to loans | 5.0603% | 190 |
| Net loans and leases to total assets | 51.0773% | 4,716 |
| Net loans and leases to deposits | 66.5981% | 4,197 |
| Net loans and leases to core deposits | 77.4242% | 3,558 |
| Total domestic deposits to total assets | 76.6948% | 5,337 |
| Equity capital to assets | 13.4651% | 1,189 |
| Core capital (leverage) ratio | 12.2701% | 1,451 |
| Tier 1 risk-based capital ratio | 18.7520% | 1,790 |
| Total risk-based capital ratio | 18.9853% | 2,025 |
| Memoranda: | ||
| Average total assets | $44,174,500 | 5,632 |
| Average earning assets | $38,736,500 | 5,662 |
| Average equity | $6,032,000 | 5,415 |
| Average total loans | $22,946,000 | 5,588 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5389% | 6,159 |
| Cost of funding earning assets | 0.0816% | 6,028 |
| Net interest margin | 0.4573% | 6,160 |
| Noninterest income to average assets | 0.0392% | 6,030 |
| Noninterest expense to average assets | 0.4222% | 6,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0192% | 5,852 |
| Return on assets (ROA) | 0.1066% | 5,787 |
| Pretax return on assets | 0.1088% | 5,790 |
| Return on Equity (ROE) | 0.8374% | 5,797 |
| Retained earnings to average equity (ytd only) | 0.8374% | 5,189 |
| Net charge-offs to loans | -0.0085% | 5,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5665% | 420 |
| Assets per employee ($millions) | 3.9307% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0088% | 6,122 |
| Loan loss allowance to noncurrent loans | 0.1810% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 2.9419% | 450 |
| Noncurrent loans to loans | 4.8401% | 204 |
| Net loans and leases to total assets | 52.7962% | 4,623 |
| Net loans and leases to deposits | 69.3544% | 3,989 |
| Net loans and leases to core deposits | 81.8589% | 3,168 |
| Total domestic deposits to total assets | 76.1252% | 5,430 |
| Equity capital to assets | 13.6708% | 1,054 |
| Core capital (leverage) ratio | 12.6182% | 1,301 |
| Tier 1 risk-based capital ratio | 20.3839% | 1,407 |
| Total risk-based capital ratio | 20.3914% | 1,626 |
| Memoranda: | ||
| Average total assets | $45,952,800 | 5,633 |
| Average earning assets | $40,453,000 | 5,663 |
| Average equity | $5,851,600 | 5,468 |
| Average total loans | $23,520,000 | 5,605 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3235% | 361 |
| Cost of funding earning assets | 0.7940% | 514 |
| Net interest margin | 4.5295% | 616 |
| Noninterest income to average assets | 0.0629% | 6,063 |
| Noninterest expense to average assets | 3.7485% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1773% | 5,716 |
| Return on assets (ROA) | 0.1773% | 5,769 |
| Pretax return on assets | 0.2945% | 5,648 |
| Return on Equity (ROE) | 1.4162% | 5,792 |
| Retained earnings to average equity (ytd only) | 1.4162% | 5,152 |
| Net charge-offs to loans | 0.9116% | 211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.6358% | 3,926 |
| Efficiency ratio | 92.7157% | 535 |
| Assets per employee ($millions) | 4.0102% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0679% | 89 |
| Loan loss allowance to noncurrent loans | 97.8010% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 2.8246% | 565 |
| Noncurrent loans to loans | 4.1594% | 298 |
| Net loans and leases to total assets | 49.9320% | 4,937 |
| Net loans and leases to deposits | 62.8040% | 4,660 |
| Net loans and leases to core deposits | 76.0724% | 3,796 |
| Total domestic deposits to total assets | 79.5044% | 4,860 |
| Equity capital to assets | 13.3070% | 1,305 |
| Core capital (leverage) ratio | 11.2573% | 2,236 |
| Tier 1 risk-based capital ratio | 16.7492% | 2,457 |
| Total risk-based capital ratio | 18.0212% | 2,411 |
| Memoranda: | ||
| Average total assets | $46,631,500 | 5,690 |
| Average earning assets | $40,974,500 | 5,724 |
| Average equity | $5,836,750 | 5,542 |
| Average total loans | $23,692,500 | 5,663 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5130% | 260 |
| Cost of funding earning assets | 0.8130% | 461 |
| Net interest margin | 4.7000% | 449 |
| Noninterest income to average assets | -0.0548% | 6,290 |
| Noninterest expense to average assets | 3.5011% | 1,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3918% | 5,159 |
| Return on assets (ROA) | 0.3918% | 5,267 |
| Pretax return on assets | 0.5603% | 5,073 |
| Return on Equity (ROE) | 3.1928% | 5,342 |
| Retained earnings to average equity (ytd only) | 3.1928% | 4,013 |
| Net charge-offs to loans | 1.3953% | 128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.7964% | 3,620 |
| Efficiency ratio | 86.2033% | 1,044 |
| Assets per employee ($millions) | 3.8438% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8962% | 112 |
| Loan loss allowance to noncurrent loans | 101.0881% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 2.5690% | 725 |
| Noncurrent loans to loans | 3.8542% | 416 |
| Net loans and leases to total assets | 49.6791% | 4,965 |
| Net loans and leases to deposits | 62.4251% | 4,670 |
| Net loans and leases to core deposits | 85.9108% | 2,778 |
| Total domestic deposits to total assets | 79.5820% | 4,960 |
| Equity capital to assets | 12.4594% | 1,683 |
| Core capital (leverage) ratio | 11.1359% | 2,302 |
| Tier 1 risk-based capital ratio | 16.1907% | 2,764 |
| Total risk-based capital ratio | 17.4643% | 2,704 |
| Memoranda: | ||
| Average total assets | $47,471,330 | 5,734 |
| Average earning assets | $41,574,330 | 5,775 |
| Average equity | $5,825,670 | 5,596 |
| Average total loans | $23,936,670 | 5,714 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7932% | 171 |
| Cost of funding earning assets | 0.8547% | 372 |
| Net interest margin | 4.9385% | 273 |
| Noninterest income to average assets | 0.2576% | 5,114 |
| Noninterest expense to average assets | 3.0907% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8890% | 2,794 |
| Return on assets (ROA) | 0.8890% | 2,921 |
| Pretax return on assets | 1.4872% | 1,603 |
| Return on Equity (ROE) | 7.2975% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.2975% | 1,861 |
| Net charge-offs to loans | -0.3002% | 6,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5136% | 3,904 |
| Assets per employee ($millions) | 3.9580% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7703% | 79 |
| Loan loss allowance to noncurrent loans | 67.8441% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 4.1772% | 349 |
| Noncurrent loans to loans | 7.0312% | 125 |
| Net loans and leases to total assets | 46.8229% | 5,134 |
| Net loans and leases to deposits | 60.8621% | 4,678 |
| Net loans and leases to core deposits | 82.1567% | 2,953 |
| Total domestic deposits to total assets | 76.9328% | 5,625 |
| Equity capital to assets | 12.5400% | 1,671 |
| Core capital (leverage) ratio | 10.8728% | 2,545 |
| Tier 1 risk-based capital ratio | 15.1159% | 3,371 |
| Total risk-based capital ratio | 16.3134% | 3,319 |
| Memoranda: | ||
| Average total assets | $48,144,000 | 5,767 |
| Average earning assets | $42,118,000 | 5,809 |
| Average equity | $5,865,000 | 5,632 |
| Average total loans | $23,983,000 | 5,752 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0028% | 768 |
| Cost of funding earning assets | 1.0128% | 219 |
| Net interest margin | 3.9900% | 1,927 |
| Noninterest income to average assets | -0.4060% | 6,488 |
| Noninterest expense to average assets | 3.0241% | 2,772 |
| Loan and lease loss provision to assets | 1.6634% | 44 |
| Net operating income to assets | -1.0903% | 6,392 |
| Return on assets (ROA) | -1.1127% | 6,395 |
| Pretax return on assets | -1.6840% | 6,435 |
| Return on Equity (ROE) | -9.6779% | 6,358 |
| Retained earnings to average equity (ytd only) | -9.6779% | 6,306 |
| Net charge-offs to loans | 1.1602% | 236 |
| Credit loss provision to net charge-offs | 316.0714% | 825 |
| Earnings coverage of net charge-offs (x) | 0.0250% | 4,709 |
| Efficiency ratio | 99.5668% | 377 |
| Assets per employee ($millions) | 4.0660% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4529% | 96 |
| Loan loss allowance to noncurrent loans | 42.6625% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 5.9661% | 199 |
| Noncurrent loans to loans | 10.4376% | 65 |
| Net loans and leases to total assets | 48.1985% | 5,135 |
| Net loans and leases to deposits | 57.4721% | 5,097 |
| Net loans and leases to core deposits | 88.2174% | 2,472 |
| Total domestic deposits to total assets | 83.8642% | 3,778 |
| Equity capital to assets | 11.8339% | 2,144 |
| Core capital (leverage) ratio | 10.4182% | 3,042 |
| Tier 1 risk-based capital ratio | 16.1387% | 2,894 |
| Total risk-based capital ratio | 17.4156% | 2,823 |
| Memoranda: | ||
| Average total assets | $53,205,400 | 5,714 |
| Average earning assets | $45,914,400 | 5,776 |
| Average equity | $6,117,000 | 5,593 |
| Average total loans | $24,133,200 | 5,815 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0981% | 645 |
| Cost of funding earning assets | 1.0442% | 200 |
| Net interest margin | 4.0539% | 1,709 |
| Noninterest income to average assets | -0.6285% | 6,578 |
| Noninterest expense to average assets | 2.7325% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1596% | 5,930 |
| Return on assets (ROA) | 0.1056% | 6,049 |
| Pretax return on assets | 0.0638% | 6,104 |
| Return on Equity (ROE) | 0.9243% | 6,040 |
| Retained earnings to average equity (ytd only) | 0.9243% | 5,513 |
| Net charge-offs to loans | 0.4886% | 798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.5455% | 4,361 |
| Efficiency ratio | 95.8656% | 513 |
| Assets per employee ($millions) | 4.1418% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 1,971 |
| Loan loss allowance to noncurrent loans | 15.3758% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 5.9617% | 235 |
| Noncurrent loans to loans | 11.0563% | 60 |
| Net loans and leases to total assets | 46.8864% | 5,300 |
| Net loans and leases to deposits | 55.2479% | 5,293 |
| Net loans and leases to core deposits | 82.3864% | 3,064 |
| Total domestic deposits to total assets | 84.8655% | 3,395 |
| Equity capital to assets | 12.7824% | 1,539 |
| Core capital (leverage) ratio | 10.7372% | 2,777 |
| Tier 1 risk-based capital ratio | 18.1277% | 2,170 |
| Total risk-based capital ratio | 19.3759% | 2,133 |
| Memoranda: | ||
| Average total assets | $54,308,750 | 5,750 |
| Average earning assets | $46,604,250 | 5,826 |
| Average equity | $6,202,750 | 5,639 |
| Average total loans | $24,013,250 | 5,884 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2181% | 492 |
| Cost of funding earning assets | 1.0655% | 179 |
| Net interest margin | 4.1526% | 1,376 |
| Noninterest income to average assets | 0.0322% | 6,488 |
| Noninterest expense to average assets | 2.5822% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6219% | 4,237 |
| Return on assets (ROA) | 0.6196% | 4,350 |
| Pretax return on assets | 0.9777% | 3,571 |
| Return on Equity (ROE) | 5.6236% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.6236% | 2,563 |
| Net charge-offs to loans | -0.1410% | 6,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4623% | 3,248 |
| Assets per employee ($millions) | 4.6591% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0640% | 1,248 |
| Loan loss allowance to noncurrent loans | 19.3819% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 5.8398% | 265 |
| Noncurrent loans to loans | 10.6493% | 68 |
| Net loans and leases to total assets | 43.1129% | 5,595 |
| Net loans and leases to deposits | 49.8676% | 5,642 |
| Net loans and leases to core deposits | 76.4988% | 3,575 |
| Total domestic deposits to total assets | 86.4548% | 2,787 |
| Equity capital to assets | 11.4955% | 2,428 |
| Core capital (leverage) ratio | 10.3867% | 3,095 |
| Tier 1 risk-based capital ratio | 17.2732% | 2,510 |
| Total risk-based capital ratio | 18.5297% | 2,462 |
| Memoranda: | ||
| Average total assets | $55,844,670 | 5,767 |
| Average earning assets | $47,488,330 | 5,849 |
| Average equity | $6,152,670 | 5,687 |
| Average total loans | $24,115,670 | 5,925 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5513% | 267 |
| Cost of funding earning assets | 1.0769% | 183 |
| Net interest margin | 4.4744% | 691 |
| Noninterest income to average assets | 0.2365% | 5,467 |
| Noninterest expense to average assets | 2.0712% | 5,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2101% | 1,458 |
| Return on assets (ROA) | 1.0679% | 2,002 |
| Pretax return on assets | 1.7845% | 819 |
| Return on Equity (ROE) | 9.9077% | 2,078 |
| Retained earnings to average equity (ytd only) | 9.9077% | 990 |
| Net charge-offs to loans | -0.1676% | 6,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7909% | 6,208 |
| Assets per employee ($millions) | 4.6545% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1585% | 1,223 |
| Loan loss allowance to noncurrent loans | 496.0396% | 954 |
| Noncurrent assets plus other real estate owned to assets | 1.4341% | 2,475 |
| Noncurrent loans to loans | 0.4351% | 4,842 |
| Net loans and leases to total assets | 40.6596% | 5,764 |
| Net loans and leases to deposits | 46.9322% | 5,785 |
| Net loans and leases to core deposits | 76.7282% | 3,337 |
| Total domestic deposits to total assets | 86.6348% | 3,022 |
| Equity capital to assets | 11.1577% | 2,567 |
| Core capital (leverage) ratio | 10.2637% | 3,202 |
| Tier 1 risk-based capital ratio | 17.6864% | 2,415 |
| Total risk-based capital ratio | 18.9375% | 2,387 |
| Memoranda: | ||
| Average total assets | $55,812,500 | 5,819 |
| Average earning assets | $47,917,000 | 5,890 |
| Average equity | $6,015,500 | 5,745 |
| Average total loans | $23,867,500 | 5,990 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3375% | 494 |
| Cost of funding earning assets | 1.1492% | 225 |
| Net interest margin | 4.1883% | 1,388 |
| Noninterest income to average assets | 0.1773% | 6,018 |
| Noninterest expense to average assets | 2.9231% | 3,303 |
| Loan and lease loss provision to assets | 0.3563% | 879 |
| Net operating income to assets | 0.3271% | 5,427 |
| Return on assets (ROA) | 0.4206% | 5,185 |
| Pretax return on assets | 0.6986% | 4,546 |
| Return on Equity (ROE) | 3.9487% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.9487% | 3,394 |
| Net charge-offs to loans | 0.2094% | 2,786 |
| Credit loss provision to net charge-offs | 401.9608% | 563 |
| Earnings coverage of net charge-offs (x) | 10.2549% | 2,397 |
| Efficiency ratio | 76.2812% | 2,727 |
| Assets per employee ($millions) | 5.5771% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0021% | 1,544 |
| Loan loss allowance to noncurrent loans | 486.1386% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 1.4362% | 2,588 |
| Noncurrent loans to loans | 0.4118% | 4,976 |
| Net loans and leases to total assets | 43.0923% | 5,751 |
| Net loans and leases to deposits | 49.6981% | 5,792 |
| Net loans and leases to core deposits | 82.6047% | 2,819 |
| Total domestic deposits to total assets | 86.7081% | 2,872 |
| Equity capital to assets | 10.3979% | 3,288 |
| Core capital (leverage) ratio | 9.8732% | 3,740 |
| Tier 1 risk-based capital ratio | 16.4150% | 2,896 |
| Total risk-based capital ratio | 17.6223% | 2,873 |
| Memoranda: | ||
| Average total assets | $57,541,200 | 5,821 |
| Average earning assets | $50,210,800 | 5,878 |
| Average equity | $6,128,600 | 5,783 |
| Average total loans | $24,357,800 | 6,013 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3088% | 523 |
| Cost of funding earning assets | 1.1574% | 237 |
| Net interest margin | 4.1514% | 1,479 |
| Noninterest income to average assets | 0.1564% | 6,251 |
| Noninterest expense to average assets | 2.9226% | 3,230 |
| Loan and lease loss provision to assets | 0.4714% | 592 |
| Net operating income to assets | 0.3748% | 5,356 |
| Return on assets (ROA) | 0.5749% | 4,582 |
| Pretax return on assets | 0.5749% | 5,114 |
| Return on Equity (ROE) | 5.3668% | 4,527 |
| Retained earnings to average equity (ytd only) | 5.3668% | 2,822 |
| Net charge-offs to loans | 0.2687% | 2,206 |
| Credit loss provision to net charge-offs | 418.3673% | 639 |
| Earnings coverage of net charge-offs (x) | 7.5103% | 2,783 |
| Efficiency ratio | 77.5473% | 2,478 |
| Assets per employee ($millions) | 5.1620% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9396% | 1,889 |
| Loan loss allowance to noncurrent loans | 158.5209% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 1.7805% | 2,303 |
| Noncurrent loans to loans | 1.2236% | 3,359 |
| Net loans and leases to total assets | 43.8942% | 5,732 |
| Net loans and leases to deposits | 50.7286% | 5,787 |
| Net loans and leases to core deposits | 97.0145% | 1,319 |
| Total domestic deposits to total assets | 86.5274% | 2,950 |
| Equity capital to assets | 10.4558% | 3,334 |
| Core capital (leverage) ratio | 9.7661% | 4,008 |
| Tier 1 risk-based capital ratio | 16.0348% | 3,173 |
| Total risk-based capital ratio | 17.2358% | 3,157 |
| Memoranda: | ||
| Average total assets | $57,983,750 | 5,873 |
| Average earning assets | $50,455,750 | 5,940 |
| Average equity | $6,211,000 | 5,833 |
| Average total loans | $24,316,250 | 6,074 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1892% | 648 |
| Cost of funding earning assets | 1.1770% | 232 |
| Net interest margin | 4.0122% | 1,813 |
| Noninterest income to average assets | 0.2706% | 5,522 |
| Noninterest expense to average assets | 2.9357% | 3,217 |
| Loan and lease loss provision to assets | 0.7022% | 333 |
| Net operating income to assets | 0.0891% | 6,152 |
| Return on assets (ROA) | 0.4830% | 5,047 |
| Pretax return on assets | 0.4830% | 5,427 |
| Return on Equity (ROE) | 4.4745% | 5,013 |
| Retained earnings to average equity (ytd only) | 4.4745% | 3,417 |
| Net charge-offs to loans | 0.1921% | 2,603 |
| Credit loss provision to net charge-offs | 891.3043% | 340 |
| Earnings coverage of net charge-offs (x) | 10.0435% | 2,201 |
| Efficiency ratio | 78.7684% | 2,338 |
| Assets per employee ($millions) | 4.9468% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0009% | 1,844 |
| Loan loss allowance to noncurrent loans | 318.4049% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 1.5701% | 2,759 |
| Noncurrent loans to loans | 0.6284% | 4,684 |
| Net loans and leases to total assets | 42.8210% | 5,837 |
| Net loans and leases to deposits | 49.0989% | 5,915 |
| Net loans and leases to core deposits | 84.1856% | 2,531 |
| Total domestic deposits to total assets | 87.2138% | 2,703 |
| Equity capital to assets | 10.0318% | 3,874 |
| Core capital (leverage) ratio | 9.3518% | 4,469 |
| Tier 1 risk-based capital ratio | 15.5113% | 3,474 |
| Total risk-based capital ratio | 16.7162% | 3,458 |
| Memoranda: | ||
| Average total assets | $58,384,330 | 5,901 |
| Average earning assets | $50,296,330 | 5,985 |
| Average equity | $6,302,330 | 5,854 |
| Average total loans | $23,949,330 | 6,131 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4896% | 377 |
| Cost of funding earning assets | 1.1706% | 257 |
| Net interest margin | 4.3190% | 934 |
| Noninterest income to average assets | 0.2833% | 5,435 |
| Noninterest expense to average assets | 3.0883% | 2,714 |
| Loan and lease loss provision to assets | 0.4145% | 733 |
| Net operating income to assets | 0.4767% | 4,788 |
| Return on assets (ROA) | 1.2643% | 1,468 |
| Pretax return on assets | 1.2643% | 2,357 |
| Return on Equity (ROE) | 11.3033% | 1,617 |
| Retained earnings to average equity (ytd only) | 11.3033% | 817 |
| Net charge-offs to loans | 0.6273% | 970 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 3.5833% | 2,733 |
| Efficiency ratio | 77.6042% | 2,675 |
| Assets per employee ($millions) | 4.4966% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 3,788 |
| Loan loss allowance to noncurrent loans | 445.6790% | 945 |
| Noncurrent assets plus other real estate owned to assets | 1.4216% | 3,136 |
| Noncurrent loans to loans | 0.3386% | 5,558 |
| Net loans and leases to total assets | 40.3072% | 5,974 |
| Net loans and leases to deposits | 47.4151% | 5,965 |
| Net loans and leases to core deposits | 80.1920% | 2,784 |
| Total domestic deposits to total assets | 85.0092% | 4,034 |
| Equity capital to assets | 11.1349% | 2,806 |
| Core capital (leverage) ratio | 9.5570% | 3,990 |
| Tier 1 risk-based capital ratio | 16.4918% | 3,005 |
| Total risk-based capital ratio | 17.2786% | 3,210 |
| Memoranda: | ||
| Average total assets | $57,896,000 | 5,968 |
| Average earning assets | $49,548,000 | 6,062 |
| Average equity | $6,476,000 | 5,872 |
| Average total loans | $22,955,000 | 6,223 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 599 |
| Cost of funding earning assets | 1.3798% | 268 |
| Net interest margin | 4.1395% | 1,859 |
| Noninterest income to average assets | 0.2243% | 5,834 |
| Noninterest expense to average assets | 2.7226% | 4,317 |
| Loan and lease loss provision to assets | 1.4760% | 220 |
| Net operating income to assets | -0.2071% | 6,384 |
| Return on assets (ROA) | -0.1096% | 6,390 |
| Pretax return on assets | -0.2825% | 6,468 |
| Return on Equity (ROE) | -0.9980% | 6,387 |
| Retained earnings to average equity (ytd only) | -4.1166% | 6,369 |
| Net charge-offs to loans | 5.1657% | 31 |
| Credit loss provision to net charge-offs | 74.1824% | 4,037 |
| Earnings coverage of net charge-offs (x) | 0.5232% | 5,225 |
| Efficiency ratio | 72.3385% | 3,355 |
| Assets per employee ($millions) | 4.4105% | 3,126 |
| Cash dividends to net income (ytd only)* | -312.5000% | 7,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 3,603 |
| Loan loss allowance to noncurrent loans | 526.5625% | 788 |
| Noncurrent assets plus other real estate owned to assets | 1.4197% | 3,274 |
| Noncurrent loans to loans | 0.2911% | 5,755 |
| Net loans and leases to total assets | 37.7599% | 6,323 |
| Net loans and leases to deposits | 44.5464% | 6,338 |
| Net loans and leases to core deposits | 56.2206% | 5,703 |
| Total domestic deposits to total assets | 84.7652% | 3,959 |
| Equity capital to assets | 11.2373% | 2,698 |
| Core capital (leverage) ratio | 9.4234% | 4,226 |
| Tier 1 risk-based capital ratio | 16.4557% | 2,919 |
| Total risk-based capital ratio | 17.5037% | 2,980 |
| Memoranda: | ||
| Average total assets | $58,399,200 | 5,961 |
| Average earning assets | $49,933,600 | 6,055 |
| Average equity | $6,413,000 | 5,913 |
| Average total loans | $22,494,400 | 6,324 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4731% | 723 |
| Cost of funding earning assets | 1.4085% | 286 |
| Net interest margin | 4.0646% | 2,235 |
| Noninterest income to average assets | 0.1909% | 6,157 |
| Noninterest expense to average assets | 2.6682% | 4,508 |
| Loan and lease loss provision to assets | 1.8636% | 143 |
| Net operating income to assets | -0.5527% | 6,724 |
| Return on assets (ROA) | -0.4432% | 6,713 |
| Pretax return on assets | -0.6727% | 6,771 |
| Return on Equity (ROE) | -4.0589% | 6,680 |
| Retained earnings to average equity (ytd only) | -8.2218% | 6,758 |
| Net charge-offs to loans | 6.7074% | 18 |
| Credit loss provision to net charge-offs | 72.0562% | 3,851 |
| Earnings coverage of net charge-offs (x) | 0.3963% | 5,133 |
| Efficiency ratio | 72.2462% | 3,281 |
| Assets per employee ($millions) | 4.7583% | 2,523 |
| Cash dividends to net income (ytd only)* | -102.5655% | 7,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 4,492 |
| Loan loss allowance to noncurrent loans | 498.4375% | 774 |
| Noncurrent assets plus other real estate owned to assets | 1.7478% | 2,983 |
| Noncurrent loans to loans | 0.2752% | 5,937 |
| Net loans and leases to total assets | 40.1706% | 6,268 |
| Net loans and leases to deposits | 47.4032% | 6,291 |
| Net loans and leases to core deposits | 59.5024% | 5,604 |
| Total domestic deposits to total assets | 84.7423% | 3,861 |
| Equity capital to assets | 11.1123% | 3,138 |
| Core capital (leverage) ratio | 9.2355% | 4,692 |
| Tier 1 risk-based capital ratio | 15.2668% | 3,662 |
| Total risk-based capital ratio | 16.2102% | 3,828 |
| Memoranda: | ||
| Average total assets | $58,665,000 | 6,022 |
| Average earning assets | $50,549,000 | 6,097 |
| Average equity | $6,405,500 | 5,983 |
| Average total loans | $22,621,250 | 6,389 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4601% | 784 |
| Cost of funding earning assets | 1.4513% | 284 |
| Net interest margin | 4.0088% | 2,466 |
| Noninterest income to average assets | 0.4089% | 4,587 |
| Noninterest expense to average assets | 2.5884% | 4,818 |
| Loan and lease loss provision to assets | 2.8351% | 70 |
| Net operating income to assets | -1.1989% | 6,957 |
| Return on assets (ROA) | -1.1286% | 6,958 |
| Pretax return on assets | -1.4699% | 7,000 |
| Return on Equity (ROE) | -10.3958% | 6,913 |
| Retained earnings to average equity (ytd only) | -16.6208% | 6,968 |
| Net charge-offs to loans | 1.9634% | 433 |
| Credit loss provision to net charge-offs | 381.3636% | 785 |
| Earnings coverage of net charge-offs (x) | 1.7136% | 4,126 |
| Efficiency ratio | 67.0166% | 4,319 |
| Assets per employee ($millions) | 4.7676% | 2,486 |
| Cash dividends to net income (ytd only)* | -59.8802% | 7,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6566% | 98 |
| Loan loss allowance to noncurrent loans | 132.4895% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 3.1428% | 1,732 |
| Noncurrent loans to loans | 4.2695% | 1,267 |
| Net loans and leases to total assets | 36.6153% | 6,575 |
| Net loans and leases to deposits | 42.9535% | 6,603 |
| Net loans and leases to core deposits | 52.2694% | 6,214 |
| Total domestic deposits to total assets | 85.2441% | 3,742 |
| Equity capital to assets | 10.7112% | 3,441 |
| Core capital (leverage) ratio | 8.6929% | 5,395 |
| Tier 1 risk-based capital ratio | 14.6085% | 4,031 |
| Total risk-based capital ratio | 15.7137% | 4,092 |
| Memoranda: | ||
| Average total assets | $59,187,000 | 6,045 |
| Average earning assets | $50,987,670 | 6,118 |
| Average equity | $6,425,670 | 6,006 |
| Average total loans | $22,409,670 | 6,443 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5144% | 734 |
| Cost of funding earning assets | 1.5075% | 276 |
| Net interest margin | 4.0070% | 2,475 |
| Noninterest income to average assets | 0.2526% | 5,835 |
| Noninterest expense to average assets | 2.5060% | 5,130 |
| Loan and lease loss provision to assets | 1.3959% | 262 |
| Net operating income to assets | -0.1559% | 6,587 |
| Return on assets (ROA) | -0.0997% | 6,620 |
| Pretax return on assets | -0.1529% | 6,636 |
| Return on Equity (ROE) | -0.9126% | 6,616 |
| Retained earnings to average equity (ytd only) | -13.0808% | 6,930 |
| Net charge-offs to loans | 3.8201% | 157 |
| Credit loss provision to net charge-offs | 97.6744% | 2,410 |
| Earnings coverage of net charge-offs (x) | 0.8093% | 3,932 |
| Efficiency ratio | 68.4211% | 4,086 |
| Assets per employee ($millions) | 6.5816% | 937 |
| Cash dividends to net income (ytd only)* | -1,333.3333% | 7,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8420% | 970 |
| Loan loss allowance to noncurrent loans | 73.0636% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 2.8953% | 2,002 |
| Noncurrent loans to loans | 3.8897% | 1,585 |
| Net loans and leases to total assets | 36.4757% | 6,593 |
| Net loans and leases to deposits | 43.0733% | 6,607 |
| Net loans and leases to core deposits | 52.8290% | 6,138 |
| Total domestic deposits to total assets | 84.6828% | 4,167 |
| Equity capital to assets | 10.6679% | 3,302 |
| Core capital (leverage) ratio | 9.0284% | 4,791 |
| Tier 1 risk-based capital ratio | 15.9681% | 3,193 |
| Total risk-based capital ratio | 17.2267% | 3,155 |
| Memoranda: | ||
| Average total assets | $60,175,000 | 6,057 |
| Average earning assets | $51,211,000 | 6,146 |
| Average equity | $6,574,500 | 6,002 |
| Average total loans | $22,512,500 | 6,489 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2632% | 272 |
| Cost of funding earning assets | 1.6356% | 418 |
| Net interest margin | 4.6276% | 867 |
| Noninterest income to average assets | 0.3072% | 5,341 |
| Noninterest expense to average assets | 2.4382% | 5,667 |
| Loan and lease loss provision to assets | 0.9444% | 1,019 |
| Net operating income to assets | 0.6467% | 3,752 |
| Return on assets (ROA) | 0.5413% | 4,460 |
| Pretax return on assets | 0.7867% | 4,026 |
| Return on Equity (ROE) | 5.1868% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.1868% | 2,515 |
| Net charge-offs to loans | 2.3899% | 507 |
| Credit loss provision to net charge-offs | 95.2459% | 3,783 |
| Earnings coverage of net charge-offs (x) | 1.9000% | 4,350 |
| Efficiency ratio | 56.4122% | 6,264 |
| Assets per employee ($millions) | 6.7907% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7955% | 985 |
| Loan loss allowance to noncurrent loans | 149.1803% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 2.0895% | 2,855 |
| Noncurrent loans to loans | 1.8739% | 3,378 |
| Net loans and leases to total assets | 36.2426% | 6,754 |
| Net loans and leases to deposits | 43.0080% | 6,760 |
| Net loans and leases to core deposits | 53.7465% | 6,317 |
| Total domestic deposits to total assets | 84.2693% | 4,209 |
| Equity capital to assets | 11.1755% | 2,819 |
| Core capital (leverage) ratio | 9.2697% | 4,374 |
| Tier 1 risk-based capital ratio | 15.7588% | 3,181 |
| Total risk-based capital ratio | 17.0135% | 3,142 |
| Memoranda: | ||
| Average total assets | $61,521,800 | 5,996 |
| Average earning assets | $53,375,200 | 6,065 |
| Average equity | $6,420,200 | 6,035 |
| Average total loans | $25,524,000 | 6,391 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2417% | 297 |
| Cost of funding earning assets | 1.6659% | 445 |
| Net interest margin | 4.5757% | 996 |
| Noninterest income to average assets | 0.3700% | 4,914 |
| Noninterest expense to average assets | 2.3886% | 5,794 |
| Loan and lease loss provision to assets | 0.9195% | 963 |
| Net operating income to assets | 0.7636% | 3,325 |
| Return on assets (ROA) | 0.6404% | 4,103 |
| Pretax return on assets | 0.8806% | 3,843 |
| Return on Equity (ROE) | 6.2468% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.2468% | 2,401 |
| Net charge-offs to loans | 2.5081% | 434 |
| Credit loss provision to net charge-offs | 86.2069% | 3,914 |
| Earnings coverage of net charge-offs (x) | 1.8458% | 4,281 |
| Efficiency ratio | 54.8163% | 6,408 |
| Assets per employee ($millions) | 7.0096% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4227% | 1,501 |
| Loan loss allowance to noncurrent loans | 245.0820% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 1.7896% | 3,414 |
| Noncurrent loans to loans | 0.9885% | 4,912 |
| Net loans and leases to total assets | 38.1780% | 6,764 |
| Net loans and leases to deposits | 45.0895% | 6,787 |
| Net loans and leases to core deposits | 55.3373% | 6,360 |
| Total domestic deposits to total assets | 84.6717% | 3,933 |
| Equity capital to assets | 10.8503% | 3,289 |
| Core capital (leverage) ratio | 9.1698% | 4,675 |
| Tier 1 risk-based capital ratio | 13.9739% | 4,372 |
| Total risk-based capital ratio | 15.0515% | 4,464 |
| Memoranda: | ||
| Average total assets | $61,623,250 | 6,045 |
| Average earning assets | $53,702,250 | 6,104 |
| Average equity | $6,317,750 | 6,108 |
| Average total loans | $26,208,250 | 6,411 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2110% | 327 |
| Cost of funding earning assets | 1.6860% | 492 |
| Net interest margin | 4.5249% | 1,069 |
| Noninterest income to average assets | 0.4384% | 4,357 |
| Noninterest expense to average assets | 2.3685% | 5,935 |
| Loan and lease loss provision to assets | 0.9814% | 892 |
| Net operating income to assets | 0.7745% | 3,175 |
| Return on assets (ROA) | 0.7034% | 3,635 |
| Pretax return on assets | 0.9356% | 3,488 |
| Return on Equity (ROE) | 7.0010% | 3,448 |
| Retained earnings to average equity (ytd only) | 7.0010% | 1,876 |
| Net charge-offs to loans | 3.1815% | 308 |
| Credit loss provision to net charge-offs | 70.5882% | 4,047 |
| Earnings coverage of net charge-offs (x) | 1.4471% | 4,204 |
| Efficiency ratio | 54.0702% | 6,613 |
| Assets per employee ($millions) | 6.9489% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0635% | 2,199 |
| Loan loss allowance to noncurrent loans | 137.3096% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 2.0691% | 3,155 |
| Noncurrent loans to loans | 1.5028% | 4,165 |
| Net loans and leases to total assets | 41.0569% | 6,664 |
| Net loans and leases to deposits | 48.0681% | 6,721 |
| Net loans and leases to core deposits | 59.0547% | 6,187 |
| Total domestic deposits to total assets | 85.4141% | 3,665 |
| Equity capital to assets | 10.2846% | 3,769 |
| Core capital (leverage) ratio | 9.0641% | 4,620 |
| Tier 1 risk-based capital ratio | 14.1908% | 4,023 |
| Total risk-based capital ratio | 15.2134% | 4,166 |
| Memoranda: | ||
| Average total assets | $61,135,670 | 6,104 |
| Average earning assets | $53,260,670 | 6,174 |
| Average equity | $6,142,000 | 6,195 |
| Average total loans | $26,716,670 | 6,435 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5972% | 178 |
| Cost of funding earning assets | 1.7495% | 447 |
| Net interest margin | 4.8477% | 516 |
| Noninterest income to average assets | 0.3640% | 5,001 |
| Noninterest expense to average assets | 2.4159% | 5,837 |
| Loan and lease loss provision to assets | 0.9928% | 779 |
| Net operating income to assets | 0.8167% | 2,944 |
| Return on assets (ROA) | 0.6089% | 4,058 |
| Pretax return on assets | 0.8340% | 3,771 |
| Return on Equity (ROE) | 6.1364% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.1364% | 2,555 |
| Net charge-offs to loans | 4.1385% | 213 |
| Credit loss provision to net charge-offs | 53.7634% | 3,673 |
| Earnings coverage of net charge-offs (x) | 1.1434% | 3,806 |
| Efficiency ratio | 53.3626% | 6,758 |
| Assets per employee ($millions) | 6.6443% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0144% | 2,373 |
| Loan loss allowance to noncurrent loans | 198.8889% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 2.3094% | 2,937 |
| Noncurrent loans to loans | 1.0128% | 5,031 |
| Net loans and leases to total assets | 43.6813% | 6,491 |
| Net loans and leases to deposits | 50.1642% | 6,615 |
| Net loans and leases to core deposits | 62.2848% | 5,898 |
| Total domestic deposits to total assets | 87.0767% | 2,906 |
| Equity capital to assets | 10.1942% | 3,548 |
| Core capital (leverage) ratio | 9.0456% | 4,543 |
| Tier 1 risk-based capital ratio | 14.2744% | 3,890 |
| Total risk-based capital ratio | 15.5282% | 3,842 |
| Memoranda: | ||
| Average total assets | $60,433,500 | 6,170 |
| Average earning assets | $51,901,000 | 6,275 |
| Average equity | $5,997,000 | 6,251 |
| Average total loans | $26,966,000 | 6,474 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9480% | 156 |
| Cost of funding earning assets | 1.9660% | 684 |
| Net interest margin | 4.9820% | 449 |
| Noninterest income to average assets | 0.3598% | 5,231 |
| Noninterest expense to average assets | 2.4334% | 6,004 |
| Loan and lease loss provision to assets | 0.6360% | 2,591 |
| Net operating income to assets | 1.0876% | 1,733 |
| Return on assets (ROA) | 0.6778% | 3,444 |
| Pretax return on assets | 1.0209% | 2,862 |
| Return on Equity (ROE) | 7.1686% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.1686% | 1,255 |
| Net charge-offs to loans | 1.6143% | 1,345 |
| Credit loss provision to net charge-offs | 82.4295% | 5,472 |
| Earnings coverage of net charge-offs (x) | 2.9523% | 3,597 |
| Efficiency ratio | 51.6519% | 7,010 |
| Assets per employee ($millions) | 6.1068% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4419% | 1,492 |
| Loan loss allowance to noncurrent loans | 264.2857% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 1.8881% | 3,500 |
| Noncurrent loans to loans | 0.9240% | 5,208 |
| Net loans and leases to total assets | 43.5711% | 6,747 |
| Net loans and leases to deposits | 50.1555% | 6,848 |
| Net loans and leases to core deposits | 63.0775% | 6,143 |
| Total domestic deposits to total assets | 86.8720% | 2,897 |
| Equity capital to assets | 9.6581% | 4,204 |
| Core capital (leverage) ratio | 8.5956% | 5,202 |
| Tier 1 risk-based capital ratio | 14.0607% | 3,828 |
| Total risk-based capital ratio | 15.3172% | 3,796 |
| Memoranda: | ||
| Average total assets | $59,750,800 | 6,210 |
| Average earning assets | $52,187,600 | 6,283 |
| Average equity | $5,649,600 | 6,467 |
| Average total loans | $28,556,400 | 6,470 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8759% | 175 |
| Cost of funding earning assets | 1.9817% | 797 |
| Net interest margin | 4.8942% | 561 |
| Noninterest income to average assets | 0.3725% | 5,172 |
| Noninterest expense to average assets | 2.4098% | 6,003 |
| Loan and lease loss provision to assets | 0.5161% | 2,880 |
| Net operating income to assets | 1.1604% | 1,704 |
| Return on assets (ROA) | 0.7517% | 3,369 |
| Pretax return on assets | 1.1331% | 2,722 |
| Return on Equity (ROE) | 7.9939% | 2,902 |
| Retained earnings to average equity (ytd only) | 7.9939% | 1,421 |
| Net charge-offs to loans | 1.7083% | 1,144 |
| Credit loss provision to net charge-offs | 62.1622% | 5,636 |
| Earnings coverage of net charge-offs (x) | 2.7324% | 3,780 |
| Efficiency ratio | 51.5108% | 7,029 |
| Assets per employee ($millions) | 6.1941% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1050% | 1,987 |
| Loan loss allowance to noncurrent loans | 176.4535% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 2.0100% | 3,457 |
| Noncurrent loans to loans | 1.1930% | 4,855 |
| Net loans and leases to total assets | 45.5740% | 6,734 |
| Net loans and leases to deposits | 52.3855% | 6,873 |
| Net loans and leases to core deposits | 64.3469% | 6,269 |
| Total domestic deposits to total assets | 86.9973% | 2,534 |
| Equity capital to assets | 9.5543% | 4,764 |
| Core capital (leverage) ratio | 8.5793% | 5,376 |
| Tier 1 risk-based capital ratio | 13.9746% | 3,861 |
| Total risk-based capital ratio | 15.2293% | 3,822 |
| Memoranda: | ||
| Average total assets | $59,421,500 | 6,291 |
| Average earning assets | $52,278,000 | 6,358 |
| Average equity | $5,587,500 | 6,573 |
| Average total loans | $28,877,000 | 6,537 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9083% | 178 |
| Cost of funding earning assets | 2.0191% | 858 |
| Net interest margin | 4.8892% | 549 |
| Noninterest income to average assets | 0.3243% | 5,559 |
| Noninterest expense to average assets | 2.4752% | 5,813 |
| Loan and lease loss provision to assets | 0.4097% | 3,269 |
| Net operating income to assets | 1.1629% | 1,665 |
| Return on assets (ROA) | 0.8091% | 3,076 |
| Pretax return on assets | 1.2188% | 2,354 |
| Return on Equity (ROE) | 8.6539% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.6539% | 1,214 |
| Net charge-offs to loans | 1.0453% | 1,794 |
| Credit loss provision to net charge-offs | 79.4702% | 4,722 |
| Earnings coverage of net charge-offs (x) | 4.1987% | 3,022 |
| Efficiency ratio | 53.3481% | 6,952 |
| Assets per employee ($millions) | 7.5620% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4542% | 1,359 |
| Loan loss allowance to noncurrent loans | 189.4180% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 5,936 |
| Noncurrent loans to loans | 1.2956% | 4,790 |
| Net loans and leases to total assets | 47.0428% | 6,703 |
| Net loans and leases to deposits | 53.5346% | 6,892 |
| Net loans and leases to core deposits | 65.7434% | 6,264 |
| Total domestic deposits to total assets | 87.8736% | 2,069 |
| Equity capital to assets | 9.4700% | 4,748 |
| Core capital (leverage) ratio | 8.5027% | 5,403 |
| Tier 1 risk-based capital ratio | 14.0145% | 3,723 |
| Total risk-based capital ratio | 15.2729% | 3,682 |
| Memoranda: | ||
| Average total assets | $58,581,670 | 6,366 |
| Average earning assets | $51,705,670 | 6,418 |
| Average equity | $5,477,330 | 6,624 |
| Average total loans | $28,890,670 | 6,587 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9536% | 185 |
| Cost of funding earning assets | 2.0758% | 870 |
| Net interest margin | 4.8778% | 548 |
| Noninterest income to average assets | 0.2638% | 6,041 |
| Noninterest expense to average assets | 2.5614% | 5,511 |
| Loan and lease loss provision to assets | 0.4859% | 2,556 |
| Net operating income to assets | 1.0142% | 2,131 |
| Return on assets (ROA) | 0.8607% | 2,793 |
| Pretax return on assets | 1.2772% | 2,112 |
| Return on Equity (ROE) | 9.2684% | 2,394 |
| Retained earnings to average equity (ytd only) | 9.2684% | 1,330 |
| Net charge-offs to loans | 1.0018% | 1,636 |
| Credit loss provision to net charge-offs | 97.2222% | 3,503 |
| Earnings coverage of net charge-offs (x) | 3.9861% | 2,733 |
| Efficiency ratio | 56.2500% | 6,734 |
| Assets per employee ($millions) | 5.9575% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5832% | 1,199 |
| Loan loss allowance to noncurrent loans | 163.0197% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 5,615 |
| Noncurrent loans to loans | 1.5846% | 4,365 |
| Net loans and leases to total assets | 47.1590% | 6,742 |
| Net loans and leases to deposits | 54.0517% | 6,916 |
| Net loans and leases to core deposits | 65.3327% | 6,338 |
| Total domestic deposits to total assets | 87.2480% | 2,504 |
| Equity capital to assets | 9.2455% | 4,924 |
| Core capital (leverage) ratio | 8.8945% | 4,735 |
| Tier 1 risk-based capital ratio | 14.2800% | 3,497 |
| Total risk-based capital ratio | 15.5398% | 3,459 |
| Memoranda: | ||
| Average total assets | $57,624,500 | 6,481 |
| Average earning assets | $50,678,500 | 6,523 |
| Average equity | $5,351,500 | 6,723 |
| Average total loans | $28,748,500 | 6,673 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3713% | 160 |
| Cost of funding earning assets | 2.6510% | 670 |
| Net interest margin | 4.7203% | 807 |
| Noninterest income to average assets | 0.4891% | 4,496 |
| Noninterest expense to average assets | 2.6903% | 5,435 |
| Loan and lease loss provision to assets | 0.6836% | 3,090 |
| Net operating income to assets | 1.3499% | 943 |
| Return on assets (ROA) | 1.3499% | 990 |
| Pretax return on assets | 1.3499% | 1,558 |
| Return on Equity (ROE) | 14.0888% | 767 |
| Retained earnings to average equity (ytd only) | 14.0888% | 117 |
| Net charge-offs to loans | 0.4513% | 3,977 |
| Credit loss provision to net charge-offs | 270.9924% | 1,279 |
| Earnings coverage of net charge-offs (x) | 8.0611% | 2,012 |
| Efficiency ratio | 56.9507% | 6,893 |
| Assets per employee ($millions) | 5.5674% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6067% | 1,109 |
| Loan loss allowance to noncurrent loans | 255.8219% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 1.2879% | 4,508 |
| Noncurrent loans to loans | 1.0189% | 5,276 |
| Net loans and leases to total assets | 50.1311% | 6,627 |
| Net loans and leases to deposits | 58.2709% | 6,768 |
| Net loans and leases to core deposits | 83.3682% | 5,782 |
| Total domestic deposits to total assets | 86.0312% | 3,005 |
| Equity capital to assets | 9.3311% | 4,666 |
| Core capital (leverage) ratio | 8.7507% | 4,838 |
| Tier 1 risk-based capital ratio | 13.6727% | 3,702 |
| Total risk-based capital ratio | 14.9326% | 3,634 |
| Memoranda: | ||
| Average total assets | $51,928,000 | 6,639 |
| Average earning assets | $46,585,800 | 6,660 |
| Average equity | $4,975,600 | 6,948 |
| Average total loans | $29,024,200 | 6,686 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3026% | 192 |
| Cost of funding earning assets | 2.7435% | 703 |
| Net interest margin | 4.5591% | 1,061 |
| Noninterest income to average assets | 0.5674% | 3,946 |
| Noninterest expense to average assets | 2.7533% | 5,091 |
| Loan and lease loss provision to assets | 0.6929% | 2,657 |
| Net operating income to assets | 1.2708% | 1,286 |
| Return on assets (ROA) | 1.2708% | 1,359 |
| Pretax return on assets | 1.2708% | 2,040 |
| Return on Equity (ROE) | 13.1683% | 1,078 |
| Retained earnings to average equity (ytd only) | 13.1683% | 249 |
| Net charge-offs to loans | 0.3251% | 4,013 |
| Credit loss provision to net charge-offs | 373.2394% | 1,084 |
| Earnings coverage of net charge-offs (x) | 10.5780% | 1,947 |
| Efficiency ratio | 58.3703% | 6,668 |
| Assets per employee ($millions) | 5.4498% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3872% | 1,187 |
| Loan loss allowance to noncurrent loans | 1,327.7778% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 7,299 |
| Noncurrent loans to loans | 0.1798% | 7,045 |
| Net loans and leases to total assets | 53.7965% | 6,403 |
| Net loans and leases to deposits | 63.5152% | 6,540 |
| Net loans and leases to core deposits | 86.9506% | 5,766 |
| Total domestic deposits to total assets | 84.6985% | 3,373 |
| Equity capital to assets | 9.5710% | 4,652 |
| Core capital (leverage) ratio | 8.6461% | 5,233 |
| Tier 1 risk-based capital ratio | 14.1378% | 3,476 |
| Total risk-based capital ratio | 15.3160% | 3,456 |
| Memoranda: | ||
| Average total assets | $50,991,500 | 6,721 |
| Average earning assets | $46,411,750 | 6,718 |
| Average equity | $4,920,750 | 7,032 |
| Average total loans | $29,116,000 | 6,736 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2634% | 221 |
| Cost of funding earning assets | 2.7906% | 811 |
| Net interest margin | 4.4728% | 1,237 |
| Noninterest income to average assets | 0.6583% | 3,279 |
| Noninterest expense to average assets | 2.9023% | 4,491 |
| Loan and lease loss provision to assets | 0.7025% | 2,323 |
| Net operating income to assets | 1.1200% | 1,702 |
| Return on assets (ROA) | 1.1200% | 1,784 |
| Pretax return on assets | 1.1200% | 2,563 |
| Return on Equity (ROE) | 11.5712% | 1,541 |
| Retained earnings to average equity (ytd only) | 11.5712% | 495 |
| Net charge-offs to loans | 0.4929% | 2,855 |
| Credit loss provision to net charge-offs | 246.4789% | 1,884 |
| Earnings coverage of net charge-offs (x) | 6.3944% | 2,627 |
| Efficiency ratio | 61.4274% | 6,324 |
| Assets per employee ($millions) | 5.2598% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1598% | 1,301 |
| Loan loss allowance to noncurrent loans | 1,306.2500% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 6,232 |
| Noncurrent loans to loans | 0.1653% | 7,114 |
| Net loans and leases to total assets | 54.0021% | 6,454 |
| Net loans and leases to deposits | 63.6975% | 6,595 |
| Net loans and leases to core deposits | 79.8022% | 6,427 |
| Total domestic deposits to total assets | 84.7789% | 3,362 |
| Equity capital to assets | 9.2570% | 4,932 |
| Core capital (leverage) ratio | 8.5488% | 5,361 |
| Tier 1 risk-based capital ratio | 13.5694% | 3,775 |
| Total risk-based capital ratio | 14.7591% | 3,745 |
| Memoranda: | ||
| Average total assets | $49,822,670 | 6,835 |
| Average earning assets | $45,295,670 | 6,825 |
| Average equity | $4,822,330 | 7,134 |
| Average total loans | $28,809,670 | 6,804 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1039% | 288 |
| Cost of funding earning assets | 2.7566% | 1,094 |
| Net interest margin | 4.3473% | 1,473 |
| Noninterest income to average assets | 0.4377% | 4,893 |
| Noninterest expense to average assets | 2.8740% | 4,251 |
| Loan and lease loss provision to assets | 0.6607% | 1,917 |
| Net operating income to assets | 0.8754% | 2,819 |
| Return on assets (ROA) | 0.8754% | 2,963 |
| Pretax return on assets | 0.8754% | 3,812 |
| Return on Equity (ROE) | 8.8352% | 2,789 |
| Retained earnings to average equity (ytd only) | 8.8352% | 1,534 |
| Net charge-offs to loans | -0.1394% | 7,957 |
| Credit loss provision to net charge-offs | -800.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1685% | 5,474 |
| Assets per employee ($millions) | 5.0694% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1004% | 1,237 |
| Loan loss allowance to noncurrent loans | 364.8810% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 6,523 |
| Noncurrent loans to loans | 0.5756% | 5,963 |
| Net loans and leases to total assets | 56.3617% | 6,188 |
| Net loans and leases to deposits | 66.6667% | 6,315 |
| Net loans and leases to core deposits | 82.5399% | 6,186 |
| Total domestic deposits to total assets | 84.5425% | 3,440 |
| Equity capital to assets | 9.3226% | 4,906 |
| Core capital (leverage) ratio | 8.8877% | 4,873 |
| Tier 1 risk-based capital ratio | 13.5473% | 3,837 |
| Total risk-based capital ratio | 14.7829% | 3,766 |
| Memoranda: | ||
| Average total assets | $48,435,000 | 6,931 |
| Average earning assets | $44,257,500 | 6,918 |
| Average equity | $4,799,000 | 7,186 |
| Average total loans | $28,699,000 | 6,833 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0449% | 181 |
| Cost of funding earning assets | 3.3379% | 835 |
| Net interest margin | 4.7070% | 955 |
| Noninterest income to average assets | 0.6794% | 3,254 |
| Noninterest expense to average assets | 3.0289% | 3,976 |
| Loan and lease loss provision to assets | 0.4899% | 2,857 |
| Net operating income to assets | 0.5938% | 4,324 |
| Return on assets (ROA) | 0.1938% | 5,683 |
| Pretax return on assets | 0.8253% | 3,976 |
| Return on Equity (ROE) | 1.9398% | 5,636 |
| Retained earnings to average equity (ytd only) | 1.9398% | 4,024 |
| Net charge-offs to loans | 0.1984% | 4,208 |
| Credit loss provision to net charge-offs | 401.7857% | 1,091 |
| Earnings coverage of net charge-offs (x) | 15.9107% | 1,892 |
| Efficiency ratio | 60.9553% | 6,171 |
| Assets per employee ($millions) | 4.6176% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8538% | 1,521 |
| Loan loss allowance to noncurrent loans | 212.6016% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 5,580 |
| Noncurrent loans to loans | 0.8719% | 4,875 |
| Net loans and leases to total assets | 59.9662% | 5,911 |
| Net loans and leases to deposits | 72.4888% | 6,001 |
| Net loans and leases to core deposits | 90.3308% | 5,776 |
| Total domestic deposits to total assets | 82.7248% | 3,885 |
| Equity capital to assets | 10.5509% | 3,440 |
| Core capital (leverage) ratio | 9.1978% | 4,445 |
| Tier 1 risk-based capital ratio | 13.7059% | 3,694 |
| Total risk-based capital ratio | 14.9583% | 3,613 |
| Memoranda: | ||
| Average total assets | $45,924,000 | 6,940 |
| Average earning assets | $41,852,400 | 6,954 |
| Average equity | $4,588,200 | 7,306 |
| Average total loans | $28,221,200 | 6,827 |