Home > Eagle State Bank > Performance and Condition Ratios
Eagle State Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3665% | 98 |
| Cost of funding earning assets | 1.6595% | 88 |
| Net interest margin | 4.7070% | 334 |
| Noninterest income to average assets | 0.1497% | 4,554 |
| Noninterest expense to average assets | 2.1687% | 3,883 |
| Loan and lease loss provision to assets | 0.1540% | 2,461 |
| Net operating income to assets | 2.3527% | 173 |
| Return on assets (ROA) | 2.3484% | 193 |
| Pretax return on assets | 2.3484% | 282 |
| Return on Equity (ROE) | 29.3008% | 65 |
| Retained earnings to average equity (ytd only) | 29.3008% | 30 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0201% | 4,722 |
| Assets per employee ($millions) | 7.3707% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,445 |
| Loan loss allowance to noncurrent loans | 39.0328% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 2.2444% | 287 |
| Noncurrent loans to loans | 2.6244% | 429 |
| Net loans and leases to total assets | 84.6458% | 209 |
| Net loans and leases to deposits | 101.0715% | 488 |
| Net loans and leases to core deposits | 110.7665% | 709 |
| Total domestic deposits to total assets | 83.7484% | 2,830 |
| Equity capital to assets | 8.3516% | 4,564 |
| Core capital (leverage) ratio | 8.4687% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6898% | 3,046 |
| Memoranda: | ||
| Average total assets | $46,755,667 | 4,735 |
| Average earning assets | $44,954,333 | 4,701 |
| Average equity | $3,747,333 | 4,917 |
| Average total loans | $40,470,333 | 4,345 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9779% | 1,013 |
| Cost of funding earning assets | 1.8409% | 67 |
| Net interest margin | 3.1370% | 4,020 |
| Noninterest income to average assets | 0.1444% | 4,644 |
| Noninterest expense to average assets | 1.9488% | 4,494 |
| Loan and lease loss provision to assets | 0.1083% | 2,323 |
| Net operating income to assets | 1.1007% | 1,840 |
| Return on assets (ROA) | 1.0917% | 1,969 |
| Pretax return on assets | 1.0917% | 2,552 |
| Return on Equity (ROE) | 13.9622% | 703 |
| Retained earnings to average equity (ytd only) | 13.9622% | 254 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1429% | 3,596 |
| Assets per employee ($millions) | 6.4883% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 88.4803% | 60 |
| Net loans and leases to deposits | 96.5267% | 857 |
| Net loans and leases to core deposits | 105.4336% | 1,091 |
| Total domestic deposits to total assets | 91.6641% | 62 |
| Equity capital to assets | 8.2214% | 4,925 |
| Core capital (leverage) ratio | 8.3871% | 4,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7374% | 3,359 |
| Memoranda: | ||
| Average total assets | $44,336,000 | 4,792 |
| Average earning assets | $42,588,500 | 4,768 |
| Average equity | $3,466,500 | 4,984 |
| Average total loans | $38,643,000 | 4,401 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 1,966 |
| Cost of funding earning assets | 1.8538% | 116 |
| Net interest margin | 2.9718% | 4,551 |
| Noninterest income to average assets | 0.2134% | 4,388 |
| Noninterest expense to average assets | 2.0169% | 4,507 |
| Loan and lease loss provision to assets | 0.0872% | 2,273 |
| Net operating income to assets | 0.9637% | 2,974 |
| Return on assets (ROA) | 1.0188% | 2,870 |
| Pretax return on assets | 1.0188% | 3,421 |
| Return on Equity (ROE) | 11.9561% | 1,533 |
| Retained earnings to average equity (ytd only) | 4.7393% | 2,559 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9491% | 3,079 |
| Assets per employee ($millions) | 6.2741% | 1,436 |
| Cash dividends to net income (ytd only)* | 60.3604% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 2,875 |
| Loan loss allowance to noncurrent loans | 3,458.3333% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 4,513 |
| Noncurrent loans to loans | 0.0322% | 4,436 |
| Net loans and leases to total assets | 84.0046% | 317 |
| Net loans and leases to deposits | 92.2650% | 1,333 |
| Net loans and leases to core deposits | 101.1127% | 1,477 |
| Total domestic deposits to total assets | 91.0472% | 116 |
| Equity capital to assets | 8.8003% | 4,787 |
| Core capital (leverage) ratio | 8.6781% | 4,732 |
| Tier 1 risk-based capital ratio | 10.4610% | 5,030 |
| Total risk-based capital ratio | 11.6129% | 4,997 |
| Memoranda: | ||
| Average total assets | $43,582,800 | 4,848 |
| Average earning assets | $41,859,600 | 4,818 |
| Average equity | $3,713,600 | 5,019 |
| Average total loans | $35,440,800 | 4,518 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 2,067 |
| Cost of funding earning assets | 1.8550% | 119 |
| Net interest margin | 2.9610% | 4,677 |
| Noninterest income to average assets | 0.2391% | 4,303 |
| Noninterest expense to average assets | 2.0046% | 4,541 |
| Loan and lease loss provision to assets | 0.0889% | 2,124 |
| Net operating income to assets | 0.9931% | 3,005 |
| Return on assets (ROA) | 1.0697% | 2,775 |
| Pretax return on assets | 1.0697% | 3,377 |
| Return on Equity (ROE) | 12.6592% | 1,398 |
| Retained earnings to average equity (ytd only) | 4.8243% | 2,976 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 3,132 |
| Assets per employee ($millions) | 7.2267% | 942 |
| Cash dividends to net income (ytd only)* | 61.8907% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 2,883 |
| Loan loss allowance to noncurrent loans | 150.7407% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 2,137 |
| Noncurrent loans to loans | 0.7483% | 2,091 |
| Net loans and leases to total assets | 82.2740% | 535 |
| Net loans and leases to deposits | 90.3757% | 1,653 |
| Net loans and leases to core deposits | 99.1165% | 1,731 |
| Total domestic deposits to total assets | 91.0355% | 96 |
| Equity capital to assets | 8.7938% | 4,882 |
| Core capital (leverage) ratio | 8.4832% | 4,953 |
| Tier 1 risk-based capital ratio | 10.4280% | 5,096 |
| Total risk-based capital ratio | 11.5695% | 5,048 |
| Memoranda: | ||
| Average total assets | $43,498,750 | 4,915 |
| Average earning assets | $41,832,250 | 4,888 |
| Average equity | $3,675,750 | 5,097 |
| Average total loans | $34,973,750 | 4,593 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7805% | 2,125 |
| Cost of funding earning assets | 1.8490% | 103 |
| Net interest margin | 2.9315% | 4,779 |
| Noninterest income to average assets | 0.2618% | 4,187 |
| Noninterest expense to average assets | 2.0209% | 4,573 |
| Loan and lease loss provision to assets | 0.0689% | 2,442 |
| Net operating income to assets | 0.9829% | 2,983 |
| Return on assets (ROA) | 0.9921% | 3,019 |
| Pretax return on assets | 0.9921% | 3,575 |
| Return on Equity (ROE) | 11.9008% | 1,617 |
| Retained earnings to average equity (ytd only) | 3.4711% | 3,504 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9761% | 3,134 |
| Assets per employee ($millions) | 7.3950% | 850 |
| Cash dividends to net income (ytd only)* | 70.8333% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 2,781 |
| Loan loss allowance to noncurrent loans | 3,275.0000% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 4,641 |
| Noncurrent loans to loans | 0.0352% | 4,536 |
| Net loans and leases to total assets | 76.0424% | 1,542 |
| Net loans and leases to deposits | 83.1280% | 2,591 |
| Net loans and leases to core deposits | 90.8822% | 2,526 |
| Total domestic deposits to total assets | 91.4762% | 61 |
| Equity capital to assets | 8.3998% | 5,079 |
| Core capital (leverage) ratio | 8.2899% | 5,063 |
| Tier 1 risk-based capital ratio | 10.5243% | 5,097 |
| Total risk-based capital ratio | 11.6603% | 5,054 |
| Memoranda: | ||
| Average total assets | $43,545,000 | 4,958 |
| Average earning assets | $41,752,670 | 4,931 |
| Average equity | $3,630,000 | 5,138 |
| Average total loans | $34,604,670 | 4,638 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 2,185 |
| Cost of funding earning assets | 1.8093% | 99 |
| Net interest margin | 2.9025% | 4,871 |
| Noninterest income to average assets | 0.3524% | 3,498 |
| Noninterest expense to average assets | 2.0217% | 4,599 |
| Loan and lease loss provision to assets | 0.0835% | 2,036 |
| Net operating income to assets | 1.0294% | 2,748 |
| Return on assets (ROA) | 1.0387% | 2,743 |
| Pretax return on assets | 1.0387% | 3,314 |
| Return on Equity (ROE) | 12.5087% | 1,379 |
| Retained earnings to average equity (ytd only) | 5.2492% | 2,805 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7219% | 3,424 |
| Assets per employee ($millions) | 7.3337% | 869 |
| Cash dividends to net income (ytd only)* | 58.0357% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 3,116 |
| Loan loss allowance to noncurrent loans | 2,969.2308% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 4,699 |
| Noncurrent loans to loans | 0.0371% | 4,604 |
| Net loans and leases to total assets | 78.7351% | 1,027 |
| Net loans and leases to deposits | 85.9677% | 2,136 |
| Net loans and leases to core deposits | 93.0892% | 2,201 |
| Total domestic deposits to total assets | 91.5867% | 89 |
| Equity capital to assets | 8.2883% | 5,091 |
| Core capital (leverage) ratio | 8.4108% | 5,057 |
| Tier 1 risk-based capital ratio | 10.2311% | 5,237 |
| Total risk-based capital ratio | 11.3218% | 5,228 |
| Memoranda: | ||
| Average total assets | $43,132,500 | 5,013 |
| Average earning assets | $41,343,000 | 4,985 |
| Average equity | $3,581,500 | 5,194 |
| Average total loans | $34,840,500 | 4,674 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7386% | 1,710 |
| Cost of funding earning assets | 1.3526% | 170 |
| Net interest margin | 3.3859% | 4,033 |
| Noninterest income to average assets | 0.2288% | 4,543 |
| Noninterest expense to average assets | 1.9587% | 4,811 |
| Loan and lease loss provision to assets | 0.2860% | 568 |
| Net operating income to assets | 1.1823% | 2,256 |
| Return on assets (ROA) | 1.1850% | 2,237 |
| Pretax return on assets | 1.1850% | 2,935 |
| Return on Equity (ROE) | 14.0677% | 1,028 |
| Retained earnings to average equity (ytd only) | 6.7589% | 1,778 |
| Net charge-offs to loans | 0.0869% | 1,908 |
| Credit loss provision to net charge-offs | 388.8889% | 845 |
| Earnings coverage of net charge-offs (x) | 19.9630% | 2,028 |
| Efficiency ratio | 55.2464% | 4,492 |
| Assets per employee ($millions) | 7.0438% | 957 |
| Cash dividends to net income (ytd only)* | 51.9540% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 3,163 |
| Loan loss allowance to noncurrent loans | 2,907.6923% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 4,702 |
| Noncurrent loans to loans | 0.0375% | 4,595 |
| Net loans and leases to total assets | 81.0922% | 794 |
| Net loans and leases to deposits | 88.5581% | 1,984 |
| Net loans and leases to core deposits | 96.1805% | 2,053 |
| Total domestic deposits to total assets | 91.5695% | 108 |
| Equity capital to assets | 8.3193% | 5,037 |
| Core capital (leverage) ratio | 8.8395% | 4,781 |
| Tier 1 risk-based capital ratio | 10.0837% | 5,286 |
| Total risk-based capital ratio | 11.1523% | 5,285 |
| Memoranda: | ||
| Average total assets | $36,708,000 | 5,148 |
| Average earning assets | $34,672,800 | 5,119 |
| Average equity | $3,092,200 | 5,277 |
| Average total loans | $31,056,200 | 4,791 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6998% | 1,679 |
| Cost of funding earning assets | 1.2321% | 217 |
| Net interest margin | 3.4676% | 3,809 |
| Noninterest income to average assets | 0.2492% | 4,485 |
| Noninterest expense to average assets | 1.8611% | 4,961 |
| Loan and lease loss provision to assets | 0.2680% | 570 |
| Net operating income to assets | 1.3817% | 1,548 |
| Return on assets (ROA) | 1.3817% | 1,554 |
| Pretax return on assets | 1.3817% | 2,295 |
| Return on Equity (ROE) | 16.3412% | 637 |
| Retained earnings to average equity (ytd only) | 12.1443% | 463 |
| Net charge-offs to loans | 0.1194% | 1,313 |
| Credit loss provision to net charge-offs | 262.9630% | 1,131 |
| Earnings coverage of net charge-offs (x) | 16.1847% | 2,177 |
| Efficiency ratio | 52.5806% | 4,748 |
| Assets per employee ($millions) | 7.5212% | 765 |
| Cash dividends to net income (ytd only)* | 25.6829% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 3,505 |
| Loan loss allowance to noncurrent loans | 2,293.3333% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 4,782 |
| Noncurrent loans to loans | 0.0455% | 4,695 |
| Net loans and leases to total assets | 86.7229% | 208 |
| Net loans and leases to deposits | 94.6566% | 1,307 |
| Net loans and leases to core deposits | 100.0552% | 1,793 |
| Total domestic deposits to total assets | 91.6184% | 116 |
| Equity capital to assets | 8.2487% | 5,058 |
| Core capital (leverage) ratio | 8.4110% | 5,137 |
| Tier 1 risk-based capital ratio | 9.3453% | 5,447 |
| Total risk-based capital ratio | 10.3813% | 5,448 |
| Memoranda: | ||
| Average total assets | $35,319,250 | 5,234 |
| Average earning assets | $33,220,500 | 5,212 |
| Average equity | $2,986,250 | 5,350 |
| Average total loans | $30,157,750 | 4,870 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 1,721 |
| Cost of funding earning assets | 1.0935% | 300 |
| Net interest margin | 3.5277% | 3,542 |
| Noninterest income to average assets | 0.2604% | 4,443 |
| Noninterest expense to average assets | 1.8057% | 5,085 |
| Loan and lease loss provision to assets | 0.3241% | 422 |
| Net operating income to assets | 1.4353% | 1,327 |
| Return on assets (ROA) | 1.4353% | 1,328 |
| Pretax return on assets | 1.4353% | 2,037 |
| Return on Equity (ROE) | 16.8268% | 547 |
| Retained earnings to average equity (ytd only) | 11.6702% | 566 |
| Net charge-offs to loans | 0.1848% | 851 |
| Credit loss provision to net charge-offs | 207.4074% | 1,275 |
| Earnings coverage of net charge-offs (x) | 11.2593% | 2,284 |
| Efficiency ratio | 50.3247% | 5,008 |
| Assets per employee ($millions) | 7.3312% | 818 |
| Cash dividends to net income (ytd only)* | 30.6452% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 3,434 |
| Loan loss allowance to noncurrent loans | 2,186.6667% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 4,823 |
| Noncurrent loans to loans | 0.0489% | 4,695 |
| Net loans and leases to total assets | 82.7177% | 623 |
| Net loans and leases to deposits | 90.2545% | 1,804 |
| Net loans and leases to core deposits | 92.4562% | 2,361 |
| Total domestic deposits to total assets | 91.6494% | 129 |
| Equity capital to assets | 8.2360% | 5,112 |
| Core capital (leverage) ratio | 8.5048% | 5,108 |
| Tier 1 risk-based capital ratio | 9.5149% | 5,494 |
| Total risk-based capital ratio | 10.5549% | 5,491 |
| Memoranda: | ||
| Average total assets | $34,557,000 | 5,317 |
| Average earning assets | $32,372,000 | 5,289 |
| Average equity | $2,947,670 | 5,416 |
| Average total loans | $29,224,670 | 4,940 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 1,647 |
| Cost of funding earning assets | 0.8585% | 735 |
| Net interest margin | 3.7161% | 2,741 |
| Noninterest income to average assets | 0.2507% | 4,503 |
| Noninterest expense to average assets | 1.9936% | 4,861 |
| Loan and lease loss provision to assets | 0.4894% | 214 |
| Net operating income to assets | 1.2296% | 1,895 |
| Return on assets (ROA) | 1.2296% | 1,904 |
| Pretax return on assets | 1.2296% | 2,640 |
| Return on Equity (ROE) | 14.1484% | 978 |
| Retained earnings to average equity (ytd only) | 13.4615% | 458 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3762% | 4,854 |
| Assets per employee ($millions) | 8.9423% | 449 |
| Cash dividends to net income (ytd only)* | 4.8544% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 3,062 |
| Loan loss allowance to noncurrent loans | 34,100.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 5,134 |
| Noncurrent loans to loans | 0.0034% | 5,010 |
| Net loans and leases to total assets | 81.5007% | 727 |
| Net loans and leases to deposits | 89.0301% | 1,806 |
| Net loans and leases to core deposits | 89.0301% | 2,535 |
| Total domestic deposits to total assets | 91.5430% | 181 |
| Equity capital to assets | 8.2390% | 5,155 |
| Core capital (leverage) ratio | 9.1226% | 4,543 |
| Tier 1 risk-based capital ratio | 9.6264% | 5,545 |
| Total risk-based capital ratio | 10.7479% | 5,542 |
| Memoranda: | ||
| Average total assets | $33,507,500 | 5,383 |
| Average earning assets | $31,215,500 | 5,368 |
| Average equity | $2,912,000 | 5,476 |
| Average total loans | $28,512,500 | 5,005 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 1,718 |
| Cost of funding earning assets | 0.7130% | 960 |
| Net interest margin | 3.7821% | 2,494 |
| Noninterest income to average assets | 0.3827% | 3,743 |
| Noninterest expense to average assets | 2.3723% | 4,150 |
| Loan and lease loss provision to assets | 0.7862% | 146 |
| Net operating income to assets | 0.7724% | 3,291 |
| Return on assets (ROA) | 0.7724% | 3,333 |
| Pretax return on assets | 0.7724% | 4,328 |
| Return on Equity (ROE) | 8.6114% | 2,489 |
| Retained earnings to average equity (ytd only) | -5.1899% | 5,435 |
| Net charge-offs to loans | 0.6957% | 308 |
| Credit loss provision to net charge-offs | 132.5581% | 1,993 |
| Earnings coverage of net charge-offs (x) | 2.6279% | 3,727 |
| Efficiency ratio | 58.3333% | 4,488 |
| Assets per employee ($millions) | 10.4153% | 278 |
| Cash dividends to net income (ytd only)* | 160.2679% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 3,405 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 5,124 |
| Noncurrent loans to loans | 0.0109% | 4,988 |
| Net loans and leases to total assets | 87.1536% | 181 |
| Net loans and leases to deposits | 103.1242% | 541 |
| Net loans and leases to core deposits | 103.1242% | 1,478 |
| Total domestic deposits to total assets | 84.5132% | 3,031 |
| Equity capital to assets | 9.2076% | 4,520 |
| Core capital (leverage) ratio | 9.7155% | 3,794 |
| Tier 1 risk-based capital ratio | 9.8378% | 5,561 |
| Total risk-based capital ratio | 10.8777% | 5,568 |
| Memoranda: | ||
| Average total assets | $29,001,800 | 5,501 |
| Average earning assets | $27,207,400 | 5,483 |
| Average equity | $2,601,200 | 5,563 |
| Average total loans | $24,724,200 | 5,168 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 1,859 |
| Cost of funding earning assets | 0.7200% | 885 |
| Net interest margin | 3.7093% | 2,722 |
| Noninterest income to average assets | 0.4172% | 3,577 |
| Noninterest expense to average assets | 2.4096% | 3,993 |
| Loan and lease loss provision to assets | 0.2532% | 682 |
| Net operating income to assets | 1.2564% | 1,487 |
| Return on assets (ROA) | 1.2564% | 1,513 |
| Pretax return on assets | 1.2564% | 2,679 |
| Return on Equity (ROE) | 14.1108% | 811 |
| Retained earnings to average equity (ytd only) | 0.2105% | 5,170 |
| Net charge-offs to loans | -0.0167% | 4,788 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4498% | 4,297 |
| Assets per employee ($millions) | 9.9400% | 319 |
| Cash dividends to net income (ytd only)* | 98.5083% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,427 |
| Loan loss allowance to noncurrent loans | 10,033.3333% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 5,216 |
| Noncurrent loans to loans | 0.0111% | 5,098 |
| Net loans and leases to total assets | 89.7552% | 90 |
| Net loans and leases to deposits | 104.0589% | 494 |
| Net loans and leases to core deposits | 104.0589% | 1,387 |
| Total domestic deposits to total assets | 86.2542% | 2,206 |
| Equity capital to assets | 10.1140% | 3,784 |
| Core capital (leverage) ratio | 10.3041% | 3,192 |
| Tier 1 risk-based capital ratio | 10.4858% | 5,455 |
| Total risk-based capital ratio | 11.5478% | 5,458 |
| Memoranda: | ||
| Average total assets | $28,440,750 | 5,572 |
| Average earning assets | $26,851,000 | 5,549 |
| Average equity | $2,532,250 | 5,628 |
| Average total loans | $24,022,250 | 5,242 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 1,877 |
| Cost of funding earning assets | 0.7212% | 794 |
| Net interest margin | 3.6590% | 2,796 |
| Noninterest income to average assets | 0.4289% | 3,498 |
| Noninterest expense to average assets | 2.4588% | 3,894 |
| Loan and lease loss provision to assets | 0.1287% | 1,618 |
| Net operating income to assets | 1.2866% | 1,335 |
| Return on assets (ROA) | 1.2866% | 1,361 |
| Pretax return on assets | 1.2866% | 2,438 |
| Return on Equity (ROE) | 15.1835% | 632 |
| Retained earnings to average equity (ytd only) | -1.1809% | 5,256 |
| Net charge-offs to loans | -0.0087% | 4,487 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2546% | 4,127 |
| Assets per employee ($millions) | 7.2675% | 823 |
| Cash dividends to net income (ytd only)* | 107.7778% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 82.2188% | 638 |
| Net loans and leases to deposits | 89.7892% | 1,756 |
| Net loans and leases to core deposits | 89.7892% | 2,548 |
| Total domestic deposits to total assets | 91.5686% | 123 |
| Equity capital to assets | 8.2628% | 5,418 |
| Core capital (leverage) ratio | 8.9680% | 4,760 |
| Tier 1 risk-based capital ratio | 9.0598% | 5,737 |
| Total risk-based capital ratio | 10.0677% | 5,749 |
| Memoranda: | ||
| Average total assets | $27,981,000 | 5,623 |
| Average earning assets | $26,346,000 | 5,600 |
| Average equity | $2,371,000 | 5,692 |
| Average total loans | $23,007,670 | 5,314 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 1,789 |
| Cost of funding earning assets | 0.7111% | 797 |
| Net interest margin | 3.6485% | 2,700 |
| Noninterest income to average assets | 0.4082% | 3,599 |
| Noninterest expense to average assets | 2.4347% | 4,016 |
| Loan and lease loss provision to assets | 0.1312% | 1,457 |
| Net operating income to assets | 1.2830% | 1,286 |
| Return on assets (ROA) | 1.2830% | 1,320 |
| Pretax return on assets | 1.2830% | 2,288 |
| Return on Equity (ROE) | 14.9437% | 657 |
| Retained earnings to average equity (ytd only) | -5.0945% | 5,393 |
| Net charge-offs to loans | -0.0178% | 4,678 |
| Credit loss provision to net charge-offs | -900.0000% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9848% | 4,322 |
| Assets per employee ($millions) | 7.0200% | 949 |
| Cash dividends to net income (ytd only)* | 134.0909% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 3,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 81.3355% | 648 |
| Net loans and leases to deposits | 89.0930% | 1,657 |
| Net loans and leases to core deposits | 89.0930% | 2,447 |
| Total domestic deposits to total assets | 91.2927% | 211 |
| Equity capital to assets | 8.3333% | 5,338 |
| Core capital (leverage) ratio | 8.4959% | 5,229 |
| Tier 1 risk-based capital ratio | 9.3975% | 5,782 |
| Total risk-based capital ratio | 10.4157% | 5,791 |
| Memoranda: | ||
| Average total assets | $27,436,500 | 5,699 |
| Average earning assets | $25,874,000 | 5,670 |
| Average equity | $2,355,500 | 5,756 |
| Average total loans | $22,430,000 | 5,394 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 2,827 |
| Cost of funding earning assets | 0.6971% | 817 |
| Net interest margin | 3.4087% | 3,792 |
| Noninterest income to average assets | 0.4660% | 3,441 |
| Noninterest expense to average assets | 2.5838% | 3,730 |
| Loan and lease loss provision to assets | 0.1515% | 1,652 |
| Net operating income to assets | 0.9168% | 2,738 |
| Return on assets (ROA) | 0.9168% | 2,851 |
| Pretax return on assets | 0.9168% | 3,781 |
| Return on Equity (ROE) | 10.1027% | 1,912 |
| Retained earnings to average equity (ytd only) | 2.0456% | 4,374 |
| Net charge-offs to loans | 0.0099% | 3,931 |
| Credit loss provision to net charge-offs | 2,000.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 447 |
| Efficiency ratio | 68.2573% | 3,195 |
| Assets per employee ($millions) | 6.6983% | 1,050 |
| Cash dividends to net income (ytd only)* | 79.7521% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 3,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.3381% | 846 |
| Net loans and leases to deposits | 88.2534% | 1,890 |
| Net loans and leases to core deposits | 88.2534% | 2,643 |
| Total domestic deposits to total assets | 91.0312% | 275 |
| Equity capital to assets | 8.8493% | 4,967 |
| Core capital (leverage) ratio | 8.7262% | 5,043 |
| Tier 1 risk-based capital ratio | 9.9157% | 5,758 |
| Total risk-based capital ratio | 10.9302% | 5,782 |
| Memoranda: | ||
| Average total assets | $26,394,800 | 5,765 |
| Average earning assets | $24,672,000 | 5,736 |
| Average equity | $2,395,400 | 5,811 |
| Average total loans | $20,231,600 | 5,516 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1007% | 2,876 |
| Cost of funding earning assets | 0.6916% | 852 |
| Net interest margin | 3.4091% | 3,807 |
| Noninterest income to average assets | 0.4817% | 3,370 |
| Noninterest expense to average assets | 2.4947% | 3,999 |
| Loan and lease loss provision to assets | 0.2028% | 1,040 |
| Net operating income to assets | 0.9583% | 2,617 |
| Return on assets (ROA) | 0.9583% | 2,758 |
| Pretax return on assets | 0.9583% | 3,780 |
| Return on Equity (ROE) | 10.4930% | 1,872 |
| Retained earnings to average equity (ytd only) | 1.1659% | 5,039 |
| Net charge-offs to loans | 0.0135% | 3,482 |
| Credit loss provision to net charge-offs | 2,000.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 114.3558% | 592 |
| Efficiency ratio | 65.7420% | 3,635 |
| Assets per employee ($millions) | 6.9140% | 917 |
| Cash dividends to net income (ytd only)* | 88.8884% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 3,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 71.0298% | 2,342 |
| Net loans and leases to deposits | 78.2723% | 3,157 |
| Net loans and leases to core deposits | 78.2723% | 3,639 |
| Total domestic deposits to total assets | 90.7470% | 259 |
| Equity capital to assets | 8.7721% | 5,341 |
| Core capital (leverage) ratio | 8.6874% | 5,164 |
| Tier 1 risk-based capital ratio | 10.4748% | 5,631 |
| Total risk-based capital ratio | 11.5603% | 5,628 |
| Memoranda: | ||
| Average total assets | $26,295,250 | 5,827 |
| Average earning assets | $24,483,000 | 5,801 |
| Average equity | $2,401,500 | 5,872 |
| Average total loans | $19,847,500 | 5,577 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1594% | 2,643 |
| Cost of funding earning assets | 0.6738% | 926 |
| Net interest margin | 3.4856% | 3,538 |
| Noninterest income to average assets | 0.4953% | 3,230 |
| Noninterest expense to average assets | 2.4844% | 4,071 |
| Loan and lease loss provision to assets | 0.2322% | 868 |
| Net operating income to assets | 1.0216% | 2,289 |
| Return on assets (ROA) | 1.0216% | 2,428 |
| Pretax return on assets | 1.0216% | 3,506 |
| Return on Equity (ROE) | 11.0307% | 1,627 |
| Retained earnings to average equity (ytd only) | 1.5042% | 4,778 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9752% | 4,019 |
| Assets per employee ($millions) | 6.4748% | 1,101 |
| Cash dividends to net income (ytd only)* | 86.3636% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 3,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 74.8755% | 1,676 |
| Net loans and leases to deposits | 82.9569% | 2,592 |
| Net loans and leases to core deposits | 82.9569% | 3,174 |
| Total domestic deposits to total assets | 90.2583% | 398 |
| Equity capital to assets | 9.4135% | 4,857 |
| Core capital (leverage) ratio | 8.9843% | 4,844 |
| Tier 1 risk-based capital ratio | 10.7775% | 5,536 |
| Total risk-based capital ratio | 11.8659% | 5,536 |
| Memoranda: | ||
| Average total assets | $25,841,670 | 5,902 |
| Average earning assets | $24,042,000 | 5,878 |
| Average equity | $2,393,330 | 5,948 |
| Average total loans | $19,834,330 | 5,638 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 2,807 |
| Cost of funding earning assets | 0.6441% | 1,086 |
| Net interest margin | 3.4681% | 3,593 |
| Noninterest income to average assets | 0.4494% | 3,489 |
| Noninterest expense to average assets | 2.4639% | 4,185 |
| Loan and lease loss provision to assets | 0.2324% | 788 |
| Net operating income to assets | 1.0072% | 2,243 |
| Return on assets (ROA) | 1.0072% | 2,359 |
| Pretax return on assets | 1.0072% | 3,453 |
| Return on Equity (ROE) | 10.9658% | 1,612 |
| Retained earnings to average equity (ytd only) | -4.5550% | 5,583 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0167% | 4,123 |
| Assets per employee ($millions) | 6.6190% | 1,049 |
| Cash dividends to net income (ytd only)* | 141.5385% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 3,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 73.9462% | 1,736 |
| Net loans and leases to deposits | 81.2972% | 2,633 |
| Net loans and leases to core deposits | 81.2972% | 3,201 |
| Total domestic deposits to total assets | 90.9578% | 290 |
| Equity capital to assets | 8.9024% | 5,265 |
| Core capital (leverage) ratio | 9.1363% | 4,683 |
| Tier 1 risk-based capital ratio | 9.2163% | 6,044 |
| Total risk-based capital ratio | 10.1032% | 6,061 |
| Memoranda: | ||
| Average total assets | $25,813,000 | 5,960 |
| Average earning assets | $24,221,000 | 5,935 |
| Average equity | $2,371,000 | 6,009 |
| Average total loans | $19,937,500 | 5,685 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9950% | 3,326 |
| Cost of funding earning assets | 0.6813% | 902 |
| Net interest margin | 3.3137% | 4,238 |
| Noninterest income to average assets | 0.6123% | 2,658 |
| Noninterest expense to average assets | 2.8232% | 3,138 |
| Loan and lease loss provision to assets | 0.3359% | 466 |
| Net operating income to assets | 0.4932% | 4,718 |
| Return on assets (ROA) | 0.4252% | 5,050 |
| Pretax return on assets | 0.4252% | 5,272 |
| Return on Equity (ROE) | 4.6909% | 4,658 |
| Retained earnings to average equity (ytd only) | 3.7527% | 3,374 |
| Net charge-offs to loans | 0.0456% | 3,305 |
| Credit loss provision to net charge-offs | 987.5000% | 346 |
| Earnings coverage of net charge-offs (x) | 24.3750% | 1,678 |
| Efficiency ratio | 74.5052% | 2,501 |
| Assets per employee ($millions) | 5.0300% | 2,336 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 4,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.0139% | 989 |
| Net loans and leases to deposits | 87.5611% | 1,929 |
| Net loans and leases to core deposits | 87.5611% | 2,643 |
| Total domestic deposits to total assets | 90.2386% | 529 |
| Equity capital to assets | 9.4831% | 4,571 |
| Core capital (leverage) ratio | 9.3695% | 4,371 |
| Tier 1 risk-based capital ratio | 10.8922% | 5,578 |
| Total risk-based capital ratio | 11.8493% | 5,649 |
| Memoranda: | ||
| Average total assets | $23,519,000 | 6,047 |
| Average earning assets | $21,577,200 | 6,035 |
| Average equity | $2,131,800 | 6,086 |
| Average total loans | $17,560,600 | 5,809 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8939% | 3,758 |
| Cost of funding earning assets | 0.6890% | 887 |
| Net interest margin | 3.2049% | 4,654 |
| Noninterest income to average assets | 0.6519% | 2,470 |
| Noninterest expense to average assets | 2.7749% | 3,287 |
| Loan and lease loss provision to assets | 0.3692% | 351 |
| Net operating income to assets | 0.4327% | 5,037 |
| Return on assets (ROA) | 0.3462% | 5,411 |
| Pretax return on assets | 0.3462% | 5,563 |
| Return on Equity (ROE) | 3.8675% | 5,079 |
| Retained earnings to average equity (ytd only) | 2.5782% | 4,587 |
| Net charge-offs to loans | 0.0630% | 2,690 |
| Credit loss provision to net charge-offs | 800.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 17.3693% | 2,060 |
| Efficiency ratio | 74.6774% | 2,445 |
| Assets per employee ($millions) | 4.7470% | 2,627 |
| Cash dividends to net income (ytd only)* | 33.3375% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 4,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 80.5477% | 740 |
| Net loans and leases to deposits | 89.8402% | 1,672 |
| Net loans and leases to core deposits | 89.8402% | 2,483 |
| Total domestic deposits to total assets | 89.6566% | 709 |
| Equity capital to assets | 9.8589% | 4,332 |
| Core capital (leverage) ratio | 9.6763% | 4,059 |
| Tier 1 risk-based capital ratio | 11.2936% | 5,490 |
| Total risk-based capital ratio | 12.2306% | 5,570 |
| Memoranda: | ||
| Average total assets | $23,111,250 | 6,142 |
| Average earning assets | $21,092,000 | 6,124 |
| Average equity | $2,068,500 | 6,176 |
| Average total loans | $16,931,500 | 5,905 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7451% | 4,253 |
| Cost of funding earning assets | 0.6853% | 912 |
| Net interest margin | 3.0597% | 5,065 |
| Noninterest income to average assets | 0.5851% | 2,823 |
| Noninterest expense to average assets | 2.6197% | 3,852 |
| Loan and lease loss provision to assets | 0.2532% | 684 |
| Net operating income to assets | 0.4803% | 4,852 |
| Return on assets (ROA) | 0.2358% | 5,687 |
| Pretax return on assets | 0.2358% | 5,766 |
| Return on Equity (ROE) | 2.7300% | 5,501 |
| Retained earnings to average equity (ytd only) | 0.7078% | 5,273 |
| Net charge-offs to loans | 0.0991% | 2,021 |
| Credit loss provision to net charge-offs | 362.5000% | 805 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 2,356 |
| Efficiency ratio | 75.0000% | 2,534 |
| Assets per employee ($millions) | 5.8745% | 1,447 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 5,334 |
| Loan loss allowance to noncurrent loans | 15,500.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 5,894 |
| Noncurrent loans to loans | 0.0057% | 5,750 |
| Net loans and leases to total assets | 73.4616% | 1,749 |
| Net loans and leases to deposits | 81.6132% | 2,609 |
| Net loans and leases to core deposits | 81.6132% | 3,226 |
| Total domestic deposits to total assets | 90.0119% | 661 |
| Equity capital to assets | 9.7966% | 4,284 |
| Core capital (leverage) ratio | 9.8743% | 3,771 |
| Tier 1 risk-based capital ratio | 11.9921% | 5,158 |
| Total risk-based capital ratio | 12.8164% | 5,340 |
| Memoranda: | ||
| Average total assets | $22,903,330 | 6,220 |
| Average earning assets | $20,720,670 | 6,203 |
| Average equity | $1,978,000 | 6,257 |
| Average total loans | $16,139,330 | 6,000 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3826% | 5,241 |
| Cost of funding earning assets | 0.6883% | 904 |
| Net interest margin | 2.6943% | 5,812 |
| Noninterest income to average assets | 0.5485% | 2,954 |
| Noninterest expense to average assets | 2.7603% | 3,382 |
| Loan and lease loss provision to assets | 0.1062% | 1,932 |
| Net operating income to assets | 0.1062% | 5,862 |
| Return on assets (ROA) | -0.0177% | 6,071 |
| Pretax return on assets | -0.0177% | 6,065 |
| Return on Equity (ROE) | -0.2203% | 6,074 |
| Retained earnings to average equity (ytd only) | -1.7621% | 5,660 |
| Net charge-offs to loans | 0.1806% | 1,206 |
| Credit loss provision to net charge-offs | 85.7143% | 1,774 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 2,876 |
| Efficiency ratio | 89.2857% | 910 |
| Assets per employee ($millions) | 5.7468% | 1,594 |
| Cash dividends to net income (ytd only)* | -700.0000% | 6,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 5,469 |
| Loan loss allowance to noncurrent loans | 4,433.3333% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 5,901 |
| Noncurrent loans to loans | 0.0200% | 5,724 |
| Net loans and leases to total assets | 64.5539% | 3,018 |
| Net loans and leases to deposits | 70.1840% | 3,730 |
| Net loans and leases to core deposits | 70.1840% | 4,133 |
| Total domestic deposits to total assets | 91.9781% | 149 |
| Equity capital to assets | 7.8914% | 6,069 |
| Core capital (leverage) ratio | 8.0209% | 5,934 |
| Tier 1 risk-based capital ratio | 10.4266% | 6,034 |
| Total risk-based capital ratio | 11.1974% | 6,146 |
| Memoranda: | ||
| Average total assets | $22,606,000 | 6,289 |
| Average earning assets | $20,339,500 | 6,278 |
| Average equity | $1,816,000 | 6,341 |
| Average total loans | $15,500,500 | 6,073 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2584% | 2,746 |
| Cost of funding earning assets | 0.6256% | 1,571 |
| Net interest margin | 3.6328% | 3,280 |
| Noninterest income to average assets | 0.6075% | 2,809 |
| Noninterest expense to average assets | 3.5273% | 1,423 |
| Loan and lease loss provision to assets | 0.1666% | 1,573 |
| Net operating income to assets | 0.1568% | 5,858 |
| Return on assets (ROA) | 0.3870% | 5,330 |
| Pretax return on assets | 0.3870% | 5,517 |
| Return on Equity (ROE) | 4.4497% | 4,916 |
| Retained earnings to average equity (ytd only) | 2.8726% | 4,190 |
| Net charge-offs to loans | 0.0647% | 3,562 |
| Credit loss provision to net charge-offs | 377.7778% | 693 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 3,051 |
| Efficiency ratio | 91.6031% | 732 |
| Assets per employee ($millions) | 5.5563% | 1,725 |
| Cash dividends to net income (ytd only)* | 35.4430% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7923% | 5,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 71.5501% | 1,984 |
| Net loans and leases to deposits | 77.9433% | 2,980 |
| Net loans and leases to core deposits | 77.9433% | 3,525 |
| Total domestic deposits to total assets | 91.7975% | 176 |
| Equity capital to assets | 8.1800% | 5,973 |
| Core capital (leverage) ratio | 7.6801% | 6,139 |
| Tier 1 risk-based capital ratio | 10.3214% | 6,170 |
| Total risk-based capital ratio | 11.0975% | 6,257 |
| Memoranda: | ||
| Average total assets | $20,412,200 | 6,409 |
| Average earning assets | $18,222,800 | 6,395 |
| Average equity | $1,775,400 | 6,428 |
| Average total loans | $13,914,000 | 6,196 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 2,480 |
| Cost of funding earning assets | 0.5999% | 1,831 |
| Net interest margin | 3.7343% | 2,878 |
| Noninterest income to average assets | 0.6279% | 2,700 |
| Noninterest expense to average assets | 3.3401% | 1,816 |
| Loan and lease loss provision to assets | 0.1470% | 1,706 |
| Net operating income to assets | 0.4676% | 5,006 |
| Return on assets (ROA) | 0.5544% | 4,736 |
| Pretax return on assets | 0.5544% | 5,168 |
| Return on Equity (ROE) | 6.2706% | 4,097 |
| Retained earnings to average equity (ytd only) | 4.6839% | 3,297 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4595% | 1,332 |
| Assets per employee ($millions) | 5.3233% | 1,884 |
| Cash dividends to net income (ytd only)* | 25.3027% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 5,889 |
| Loan loss allowance to noncurrent loans | 652.6316% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 5,804 |
| Noncurrent loans to loans | 0.1216% | 5,563 |
| Net loans and leases to total assets | 72.8127% | 1,711 |
| Net loans and leases to deposits | 79.5322% | 2,766 |
| Net loans and leases to core deposits | 79.5322% | 3,370 |
| Total domestic deposits to total assets | 91.5512% | 220 |
| Equity capital to assets | 8.4300% | 5,851 |
| Core capital (leverage) ratio | 7.9772% | 6,081 |
| Tier 1 risk-based capital ratio | 10.1498% | 6,313 |
| Total risk-based capital ratio | 10.9238% | 6,379 |
| Memoranda: | ||
| Average total assets | $19,959,000 | 6,490 |
| Average earning assets | $17,780,500 | 6,477 |
| Average equity | $1,764,750 | 6,507 |
| Average total loans | $13,385,250 | 6,289 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 3,927 |
| Cost of funding earning assets | 0.5943% | 1,944 |
| Net interest margin | 3.3560% | 4,374 |
| Noninterest income to average assets | 0.6662% | 2,454 |
| Noninterest expense to average assets | 3.3616% | 1,781 |
| Loan and lease loss provision to assets | 0.1947% | 1,254 |
| Net operating income to assets | 0.0615% | 6,112 |
| Return on assets (ROA) | 0.0615% | 6,132 |
| Pretax return on assets | 0.0615% | 6,132 |
| Return on Equity (ROE) | 0.6839% | 6,108 |
| Retained earnings to average equity (ytd only) | -0.1140% | 5,704 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9178% | 699 |
| Assets per employee ($millions) | 5.0048% | 2,210 |
| Cash dividends to net income (ytd only)* | 116.6667% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 5,916 |
| Loan loss allowance to noncurrent loans | 636.8421% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 5,866 |
| Noncurrent loans to loans | 0.1298% | 5,619 |
| Net loans and leases to total assets | 72.5311% | 1,645 |
| Net loans and leases to deposits | 79.5704% | 2,578 |
| Net loans and leases to core deposits | 80.9004% | 3,109 |
| Total domestic deposits to total assets | 91.1534% | 364 |
| Equity capital to assets | 8.8266% | 5,498 |
| Core capital (leverage) ratio | 8.2678% | 5,874 |
| Tier 1 risk-based capital ratio | 10.3989% | 6,283 |
| Total risk-based capital ratio | 11.1863% | 6,376 |
| Memoranda: | ||
| Average total assets | $19,514,330 | 6,563 |
| Average earning assets | $17,163,330 | 6,551 |
| Average equity | $1,754,670 | 6,571 |
| Average total loans | $12,637,670 | 6,366 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6457% | 5,023 |
| Cost of funding earning assets | 0.5645% | 2,299 |
| Net interest margin | 3.0812% | 5,307 |
| Noninterest income to average assets | 0.4569% | 3,734 |
| Noninterest expense to average assets | 2.9903% | 2,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1869% | 5,836 |
| Return on assets (ROA) | 0.1869% | 5,880 |
| Pretax return on assets | 0.1869% | 5,936 |
| Return on Equity (ROE) | 2.0589% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.0589% | 4,782 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1176% | 744 |
| Assets per employee ($millions) | 4.9090% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 5,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 58.2094% | 3,810 |
| Net loans and leases to deposits | 63.9763% | 4,315 |
| Net loans and leases to core deposits | 65.0689% | 4,594 |
| Total domestic deposits to total assets | 90.9859% | 573 |
| Equity capital to assets | 8.9835% | 5,133 |
| Core capital (leverage) ratio | 8.6568% | 5,449 |
| Tier 1 risk-based capital ratio | 12.0395% | 5,618 |
| Total risk-based capital ratio | 12.8032% | 5,837 |
| Memoranda: | ||
| Average total assets | $19,262,000 | 6,638 |
| Average earning assets | $17,006,500 | 6,626 |
| Average equity | $1,748,500 | 6,637 |
| Average total loans | $11,636,000 | 6,456 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5805% | 6,595 |
| Cost of funding earning assets | 0.3697% | 4,959 |
| Net interest margin | 2.2108% | 6,575 |
| Noninterest income to average assets | 0.8448% | 1,885 |
| Noninterest expense to average assets | 2.4523% | 4,921 |
| Loan and lease loss provision to assets | 0.5984% | 419 |
| Net operating income to assets | -0.3051% | 6,416 |
| Return on assets (ROA) | -0.3051% | 6,436 |
| Pretax return on assets | -0.3813% | 6,446 |
| Return on Equity (ROE) | -3.1765% | 6,440 |
| Retained earnings to average equity (ytd only) | -3.6042% | 6,302 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8681% | 884 |
| Assets per employee ($millions) | 4.7220% | 2,551 |
| Cash dividends to net income (ytd only)* | -13.4615% | 6,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 6,011 |
| 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 | 61.6158% | 3,422 |
| Net loans and leases to deposits | 67.8680% | 4,075 |
| Net loans and leases to core deposits | 69.0764% | 4,386 |
| Total domestic deposits to total assets | 90.7878% | 667 |
| Equity capital to assets | 9.1751% | 4,838 |
| Core capital (leverage) ratio | 9.0232% | 4,958 |
| Tier 1 risk-based capital ratio | 11.9376% | 5,649 |
| Total risk-based capital ratio | 12.6986% | 5,872 |
| Memoranda: | ||
| Average total assets | $17,045,000 | 6,742 |
| Average earning assets | $14,067,000 | 6,749 |
| Average equity | $1,637,000 | 6,741 |
| Average total loans | $7,843,600 | 6,657 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1118% | 6,784 |
| Cost of funding earning assets | 0.2974% | 5,758 |
| Net interest margin | 1.8144% | 6,767 |
| Noninterest income to average assets | 0.2653% | 5,550 |
| Noninterest expense to average assets | 1.8250% | 6,309 |
| Loan and lease loss provision to assets | 0.7316% | 296 |
| Net operating income to assets | -0.8201% | 6,681 |
| Return on assets (ROA) | -0.8201% | 6,688 |
| Pretax return on assets | -0.8201% | 6,667 |
| Return on Equity (ROE) | -8.4315% | 6,669 |
| Retained earnings to average equity (ytd only) | -8.4315% | 6,607 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0926% | 347 |
| Assets per employee ($millions) | 4.4035% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 5,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 54.5532% | 4,525 |
| Net loans and leases to deposits | 60.4264% | 4,923 |
| Net loans and leases to core deposits | 61.5883% | 5,163 |
| Total domestic deposits to total assets | 90.2805% | 850 |
| Equity capital to assets | 9.6684% | 4,336 |
| Core capital (leverage) ratio | 9.0845% | 4,988 |
| Tier 1 risk-based capital ratio | 13.6197% | 4,676 |
| Total risk-based capital ratio | 14.4157% | 4,953 |
| Memoranda: | ||
| Average total assets | $16,584,250 | 6,823 |
| Average earning assets | $13,447,750 | 6,830 |
| Average equity | $1,613,000 | 6,826 |
| Average total loans | $6,869,500 | 6,765 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9330% | 6,910 |
| Cost of funding earning assets | 0.1505% | 6,705 |
| Net interest margin | 0.7825% | 6,906 |
| Noninterest income to average assets | 0.1601% | 6,253 |
| Noninterest expense to average assets | 0.9975% | 6,881 |
| Loan and lease loss provision to assets | 0.9605% | 201 |
| Net operating income to assets | -1.1576% | 6,777 |
| Return on assets (ROA) | -1.1576% | 6,781 |
| Pretax return on assets | -1.1576% | 6,764 |
| Return on Equity (ROE) | -11.8762% | 6,768 |
| Retained earnings to average equity (ytd only) | -11.8762% | 6,707 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.6154% | 155 |
| Assets per employee ($millions) | 4.2918% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 6,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 49.6010% | 5,148 |
| Net loans and leases to deposits | 55.1097% | 5,430 |
| Net loans and leases to core deposits | 56.2009% | 5,580 |
| Total domestic deposits to total assets | 90.0041% | 1,020 |
| Equity capital to assets | 9.9551% | 3,969 |
| Core capital (leverage) ratio | 9.7096% | 3,924 |
| Tier 1 risk-based capital ratio | 14.7572% | 3,938 |
| Total risk-based capital ratio | 15.4927% | 4,218 |
| Memoranda: | ||
| Average total assets | $16,241,000 | 6,875 |
| Average earning assets | $13,290,330 | 6,882 |
| Average equity | $1,583,000 | 6,874 |
| Average total loans | $5,926,000 | 6,835 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0462% | 6,462 |
| Cost of funding earning assets | 0.5483% | 3,589 |
| Net interest margin | 2.4979% | 6,511 |
| Noninterest income to average assets | 0.5324% | 3,552 |
| Noninterest expense to average assets | 2.7887% | 3,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1775% | 6,502 |
| Return on assets (ROA) | -0.1775% | 6,544 |
| Pretax return on assets | -0.1775% | 6,536 |
| Return on Equity (ROE) | -1.8421% | 6,553 |
| Retained earnings to average equity (ytd only) | -1.8421% | 6,064 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7961% | 378 |
| Assets per employee ($millions) | 5.2780% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 5,842 |
| Loan loss allowance to noncurrent loans | 109.5238% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.5031% | 2,998 |
| Noncurrent loans to loans | 0.9481% | 4,246 |
| Net loans and leases to total assets | 27.6873% | 6,674 |
| Net loans and leases to deposits | 30.6681% | 6,728 |
| Net loans and leases to core deposits | 31.3255% | 6,739 |
| Total domestic deposits to total assets | 90.2804% | 891 |
| Equity capital to assets | 9.5743% | 4,744 |
| Core capital (leverage) ratio | 9.7227% | 3,761 |
| Tier 1 risk-based capital ratio | 24.5771% | 946 |
| Total risk-based capital ratio | 25.3253% | 981 |
| Memoranda: | ||
| Average total assets | $15,778,000 | 6,956 |
| Average earning assets | $13,131,000 | 6,959 |
| Average equity | $1,520,000 | 6,952 |
| Average total loans | $4,592,500 | 6,940 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5378% | 6,314 |
| Cost of funding earning assets | 0.6774% | 3,668 |
| Net interest margin | 2.8603% | 6,296 |
| Noninterest income to average assets | 0.5337% | 3,687 |
| Noninterest expense to average assets | 2.6993% | 4,402 |
| Loan and lease loss provision to assets | 0.0310% | 5,505 |
| Net operating income to assets | 0.1365% | 5,922 |
| Return on assets (ROA) | 0.1365% | 6,078 |
| Pretax return on assets | 0.1613% | 6,049 |
| Return on Equity (ROE) | 1.4319% | 6,034 |
| Retained earnings to average equity (ytd only) | 1.4319% | 5,156 |
| Net charge-offs to loans | 0.0946% | 4,723 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,854 |
| Efficiency ratio | 93.3476% | 837 |
| Assets per employee ($millions) | 5.2407% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 6,070 |
| Loan loss allowance to noncurrent loans | 109.5238% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.5074% | 3,127 |
| Noncurrent loans to loans | 0.8833% | 4,412 |
| Net loans and leases to total assets | 29.9517% | 6,700 |
| Net loans and leases to deposits | 33.2298% | 6,754 |
| Net loans and leases to core deposits | 33.9485% | 6,768 |
| Total domestic deposits to total assets | 90.1348% | 880 |
| Equity capital to assets | 9.6934% | 4,598 |
| Core capital (leverage) ratio | 9.7129% | 3,785 |
| Tier 1 risk-based capital ratio | 24.0310% | 964 |
| Total risk-based capital ratio | 24.7587% | 1,013 |
| Memoranda: | ||
| Average total assets | $16,115,200 | 7,005 |
| Average earning assets | $13,285,200 | 7,020 |
| Average equity | $1,536,400 | 7,024 |
| Average total loans | $5,285,200 | 6,993 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6252% | 6,358 |
| Cost of funding earning assets | 0.7149% | 3,639 |
| Net interest margin | 2.9102% | 6,337 |
| Noninterest income to average assets | 0.5428% | 3,652 |
| Noninterest expense to average assets | 2.6726% | 4,490 |
| Loan and lease loss provision to assets | 0.0411% | 5,261 |
| Net operating income to assets | 0.1809% | 5,962 |
| Return on assets (ROA) | 0.1809% | 6,118 |
| Pretax return on assets | 0.2056% | 6,109 |
| Return on Equity (ROE) | 1.9052% | 6,051 |
| Retained earnings to average equity (ytd only) | 1.9052% | 5,382 |
| Net charge-offs to loans | 0.1231% | 4,143 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 5.9970% | 2,876 |
| Efficiency ratio | 91.5493% | 914 |
| Assets per employee ($millions) | 5.2367% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 6,450 |
| Loan loss allowance to noncurrent loans | 70.7692% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.5086% | 3,325 |
| Noncurrent loans to loans | 1.2346% | 3,987 |
| Net loans and leases to total assets | 33.2209% | 6,694 |
| Net loans and leases to deposits | 36.9199% | 6,788 |
| Net loans and leases to core deposits | 37.7204% | 6,814 |
| Total domestic deposits to total assets | 89.9809% | 853 |
| Equity capital to assets | 9.8536% | 4,703 |
| Core capital (leverage) ratio | 9.7227% | 3,915 |
| Tier 1 risk-based capital ratio | 23.4498% | 1,102 |
| Total risk-based capital ratio | 24.1489% | 1,161 |
| Memoranda: | ||
| Average total assets | $16,213,500 | 7,101 |
| Average earning assets | $13,240,250 | 7,115 |
| Average equity | $1,539,500 | 7,118 |
| Average total loans | $5,417,750 | 7,086 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6666% | 6,394 |
| Cost of funding earning assets | 0.7483% | 3,614 |
| Net interest margin | 2.9183% | 6,400 |
| Noninterest income to average assets | 0.5494% | 3,587 |
| Noninterest expense to average assets | 2.4906% | 5,171 |
| Loan and lease loss provision to assets | 0.0610% | 4,887 |
| Net operating income to assets | 0.3174% | 5,559 |
| Return on assets (ROA) | 0.3174% | 5,762 |
| Pretax return on assets | 0.3785% | 5,756 |
| Return on Equity (ROE) | 3.3839% | 5,531 |
| Retained earnings to average equity (ytd only) | 3.3839% | 4,348 |
| Net charge-offs to loans | 0.1829% | 3,496 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 2,520 |
| Efficiency ratio | 85.0000% | 1,535 |
| Assets per employee ($millions) | 5.5150% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8157% | 6,639 |
| Loan loss allowance to noncurrent loans | 153.3333% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 4,520 |
| Noncurrent loans to loans | 0.5320% | 5,458 |
| Net loans and leases to total assets | 33.8048% | 6,732 |
| Net loans and leases to deposits | 37.3739% | 6,828 |
| Net loans and leases to core deposits | 38.1384% | 6,867 |
| Total domestic deposits to total assets | 90.4503% | 694 |
| Equity capital to assets | 9.3684% | 5,236 |
| Core capital (leverage) ratio | 9.5453% | 4,082 |
| Tier 1 risk-based capital ratio | 22.9127% | 1,145 |
| Total risk-based capital ratio | 23.5948% | 1,209 |
| Memoranda: | ||
| Average total assets | $16,381,330 | 7,161 |
| Average earning assets | $13,364,000 | 7,173 |
| Average equity | $1,536,670 | 7,175 |
| Average total loans | $5,468,670 | 7,143 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5651% | 6,618 |
| Cost of funding earning assets | 0.7661% | 3,733 |
| Net interest margin | 2.7991% | 6,642 |
| Noninterest income to average assets | 0.5399% | 3,625 |
| Noninterest expense to average assets | 2.5768% | 4,897 |
| Loan and lease loss provision to assets | 0.1227% | 3,809 |
| Net operating income to assets | 0.1472% | 6,124 |
| Return on assets (ROA) | 0.1472% | 6,253 |
| Pretax return on assets | 0.1718% | 6,248 |
| Return on Equity (ROE) | 1.5686% | 6,204 |
| Retained earnings to average equity (ytd only) | 1.5686% | 5,453 |
| Net charge-offs to loans | 0.3715% | 2,197 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 3,217 |
| Efficiency ratio | 89.7436% | 1,118 |
| Assets per employee ($millions) | 5.4837% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7879% | 6,762 |
| Loan loss allowance to noncurrent loans | 148.3871% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.9361% | 4,638 |
| Noncurrent loans to loans | 0.5310% | 5,603 |
| Net loans and leases to total assets | 35.2076% | 6,677 |
| Net loans and leases to deposits | 38.9012% | 6,786 |
| Net loans and leases to core deposits | 39.7011% | 6,824 |
| Total domestic deposits to total assets | 90.5051% | 801 |
| Equity capital to assets | 9.3125% | 5,081 |
| Core capital (leverage) ratio | 9.4171% | 4,173 |
| Tier 1 risk-based capital ratio | 22.2336% | 1,248 |
| Total risk-based capital ratio | 22.9042% | 1,324 |
| Memoranda: | ||
| Average total assets | $16,299,500 | 7,225 |
| Average earning assets | $13,576,000 | 7,231 |
| Average equity | $1,530,000 | 7,231 |
| Average total loans | $5,383,500 | 7,204 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 6,716 |
| Cost of funding earning assets | 1.0460% | 3,055 |
| Net interest margin | 2.7638% | 6,868 |
| Noninterest income to average assets | 0.6382% | 2,959 |
| Noninterest expense to average assets | 3.0953% | 3,213 |
| Loan and lease loss provision to assets | 0.0191% | 6,332 |
| Net operating income to assets | -0.1404% | 6,193 |
| Return on assets (ROA) | -0.1404% | 6,268 |
| Pretax return on assets | -0.1659% | 6,256 |
| Return on Equity (ROE) | -1.4355% | 6,289 |
| Retained earnings to average equity (ytd only) | -1.4355% | 6,080 |
| Net charge-offs to loans | 0.6288% | 2,574 |
| Credit loss provision to net charge-offs | 9.6774% | 6,014 |
| Earnings coverage of net charge-offs (x) | -0.7419% | 6,149 |
| Efficiency ratio | 104.9784% | 539 |
| Assets per employee ($millions) | 5.3827% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 6,449 |
| Loan loss allowance to noncurrent loans | 30.8725% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 1.8454% | 3,193 |
| Noncurrent loans to loans | 3.0229% | 2,151 |
| Net loans and leases to total assets | 30.2390% | 7,000 |
| Net loans and leases to deposits | 33.4796% | 7,058 |
| Net loans and leases to core deposits | 34.1827% | 7,075 |
| Total domestic deposits to total assets | 90.3208% | 800 |
| Equity capital to assets | 9.4625% | 4,940 |
| Core capital (leverage) ratio | 9.4038% | 4,177 |
| Tier 1 risk-based capital ratio | 24.0500% | 964 |
| Total risk-based capital ratio | 24.7783% | 1,007 |
| Memoranda: | ||
| Average total assets | $15,669,000 | 7,277 |
| Average earning assets | $13,098,000 | 7,280 |
| Average equity | $1,532,600 | 7,289 |
| Average total loans | $4,930,400 | 7,269 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 6,733 |
| Cost of funding earning assets | 1.0899% | 3,045 |
| Net interest margin | 2.8069% | 6,876 |
| Noninterest income to average assets | 0.6688% | 2,780 |
| Noninterest expense to average assets | 3.1384% | 3,032 |
| Loan and lease loss provision to assets | 0.0257% | 6,128 |
| Net operating income to assets | -0.1543% | 6,338 |
| Return on assets (ROA) | -0.1543% | 6,413 |
| Pretax return on assets | -0.1543% | 6,374 |
| Return on Equity (ROE) | -1.5648% | 6,434 |
| Retained earnings to average equity (ytd only) | -1.5648% | 6,235 |
| Net charge-offs to loans | 0.8382% | 1,900 |
| Credit loss provision to net charge-offs | 9.6774% | 5,663 |
| Earnings coverage of net charge-offs (x) | -0.4839% | 5,827 |
| Efficiency ratio | 104.2735% | 545 |
| Assets per employee ($millions) | 3.9988% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 6,564 |
| Loan loss allowance to noncurrent loans | 30.6667% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 2.1632% | 2,951 |
| Noncurrent loans to loans | 2.9715% | 2,336 |
| Net loans and leases to total assets | 31.2723% | 7,045 |
| Net loans and leases to deposits | 34.6855% | 7,107 |
| Net loans and leases to core deposits | 35.4224% | 7,135 |
| Total domestic deposits to total assets | 90.1594% | 785 |
| Equity capital to assets | 9.5967% | 4,941 |
| Core capital (leverage) ratio | 9.6277% | 3,954 |
| Tier 1 risk-based capital ratio | 23.8603% | 1,025 |
| Total risk-based capital ratio | 24.5809% | 1,084 |
| Memoranda: | ||
| Average total assets | $15,549,250 | 7,357 |
| Average earning assets | $12,967,500 | 7,357 |
| Average equity | $1,533,750 | 7,360 |
| Average total loans | $4,930,750 | 7,342 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8433% | 6,873 |
| Cost of funding earning assets | 1.0981% | 3,257 |
| Net interest margin | 2.7452% | 6,978 |
| Noninterest income to average assets | 0.6883% | 2,612 |
| Noninterest expense to average assets | 3.1687% | 3,011 |
| Loan and lease loss provision to assets | 0.0390% | 5,823 |
| Net operating income to assets | -0.1818% | 6,453 |
| Return on assets (ROA) | -0.1818% | 6,487 |
| Pretax return on assets | -0.1818% | 6,441 |
| Return on Equity (ROE) | -1.8261% | 6,498 |
| Retained earnings to average equity (ytd only) | -1.8261% | 6,220 |
| Net charge-offs to loans | 1.2675% | 1,227 |
| Credit loss provision to net charge-offs | 9.6774% | 5,249 |
| Earnings coverage of net charge-offs (x) | -0.3548% | 5,475 |
| Efficiency ratio | 104.7210% | 597 |
| Assets per employee ($millions) | 3.7175% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 6,684 |
| Loan loss allowance to noncurrent loans | 30.6667% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 2.3268% | 2,827 |
| Noncurrent loans to loans | 2.9019% | 2,515 |
| Net loans and leases to total assets | 34.4519% | 7,033 |
| Net loans and leases to deposits | 38.5246% | 7,105 |
| Net loans and leases to core deposits | 39.4138% | 7,137 |
| Total domestic deposits to total assets | 89.4284% | 1,277 |
| Equity capital to assets | 10.3228% | 3,721 |
| Core capital (leverage) ratio | 9.8578% | 3,441 |
| Tier 1 risk-based capital ratio | 24.3494% | 971 |
| Total risk-based capital ratio | 25.0838% | 1,011 |
| Memoranda: | ||
| Average total assets | $15,400,670 | 7,431 |
| Average earning assets | $13,113,670 | 7,428 |
| Average equity | $1,533,330 | 7,429 |
| Average total loans | $4,891,670 | 7,416 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 6,891 |
| Cost of funding earning assets | 1.1815% | 2,933 |
| Net interest margin | 2.6661% | 7,053 |
| Noninterest income to average assets | 0.6639% | 2,764 |
| Noninterest expense to average assets | 3.5746% | 1,817 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.6639% | 6,900 |
| Return on assets (ROA) | -0.6639% | 6,904 |
| Pretax return on assets | -0.6639% | 6,855 |
| Return on Equity (ROE) | -6.7863% | 6,906 |
| Retained earnings to average equity (ytd only) | -6.7863% | 6,660 |
| Net charge-offs to loans | 2.0198% | 631 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.0833% | 4,902 |
| Efficiency ratio | 122.8070% | 321 |
| Assets per employee ($millions) | 3.9633% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 6,128 |
| Loan loss allowance to noncurrent loans | 277.7778% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 1.3499% | 4,273 |
| Noncurrent loans to loans | 0.3880% | 6,218 |
| Net loans and leases to total assets | 28.9472% | 7,265 |
| Net loans and leases to deposits | 32.0999% | 7,320 |
| Net loans and leases to core deposits | 32.7879% | 7,334 |
| Total domestic deposits to total assets | 90.1785% | 1,037 |
| Equity capital to assets | 9.5755% | 4,338 |
| Core capital (leverage) ratio | 9.4622% | 3,872 |
| Tier 1 risk-based capital ratio | 24.1974% | 955 |
| Total risk-based capital ratio | 24.9960% | 978 |
| Memoranda: | ||
| Average total assets | $15,666,000 | 7,489 |
| Average earning assets | $13,203,000 | 7,484 |
| Average equity | $1,532,500 | 7,481 |
| Average total loans | $4,753,000 | 7,477 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 6,677 |
| Cost of funding earning assets | 1.4434% | 3,001 |
| Net interest margin | 2.9239% | 6,862 |
| Noninterest income to average assets | 0.7336% | 2,632 |
| Noninterest expense to average assets | 3.0429% | 3,680 |
| Loan and lease loss provision to assets | 0.4912% | 3,202 |
| Net operating income to assets | -0.2488% | 6,161 |
| Return on assets (ROA) | -0.2488% | 6,218 |
| Pretax return on assets | -0.2934% | 6,155 |
| Return on Equity (ROE) | -2.5039% | 6,233 |
| Retained earnings to average equity (ytd only) | -2.5039% | 6,047 |
| Net charge-offs to loans | 1.0069% | 2,181 |
| Credit loss provision to net charge-offs | 142.5926% | 2,622 |
| Earnings coverage of net charge-offs (x) | 0.5741% | 5,531 |
| Efficiency ratio | 93.8976% | 1,064 |
| Assets per employee ($millions) | 3.8698% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 3,897 |
| Loan loss allowance to noncurrent loans | 176.1905% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 1.5376% | 4,006 |
| Noncurrent loans to loans | 0.8630% | 5,338 |
| Net loans and leases to total assets | 30.9645% | 7,320 |
| Net loans and leases to deposits | 34.5342% | 7,384 |
| Net loans and leases to core deposits | 35.2972% | 7,399 |
| Total domestic deposits to total assets | 89.6634% | 1,287 |
| Equity capital to assets | 9.9942% | 3,745 |
| Core capital (leverage) ratio | 9.1721% | 4,227 |
| Tier 1 risk-based capital ratio | 24.1347% | 922 |
| Total risk-based capital ratio | 25.2937% | 910 |
| Memoranda: | ||
| Average total assets | $15,675,800 | 7,560 |
| Average earning assets | $13,440,800 | 7,559 |
| Average equity | $1,557,600 | 7,577 |
| Average total loans | $5,362,800 | 7,548 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4447% | 6,740 |
| Cost of funding earning assets | 1.4948% | 3,013 |
| Net interest margin | 2.9499% | 6,927 |
| Noninterest income to average assets | 0.7377% | 2,594 |
| Noninterest expense to average assets | 3.0863% | 3,396 |
| Loan and lease loss provision to assets | 0.6444% | 2,370 |
| Net operating income to assets | -0.4155% | 6,531 |
| Return on assets (ROA) | -0.4155% | 6,575 |
| Pretax return on assets | -0.4663% | 6,523 |
| Return on Equity (ROE) | -4.1871% | 6,580 |
| Retained earnings to average equity (ytd only) | -4.1871% | 6,480 |
| Net charge-offs to loans | 1.3123% | 1,554 |
| Credit loss provision to net charge-offs | 140.7407% | 2,819 |
| Earnings coverage of net charge-offs (x) | 0.3889% | 5,636 |
| Efficiency ratio | 94.5455% | 975 |
| Assets per employee ($millions) | 3.8038% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 4,644 |
| Loan loss allowance to noncurrent loans | 30.6723% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 1.5642% | 4,101 |
| Noncurrent loans to loans | 4.4511% | 1,629 |
| Net loans and leases to total assets | 34.6632% | 7,322 |
| Net loans and leases to deposits | 38.6997% | 7,402 |
| Net loans and leases to core deposits | 39.5708% | 7,434 |
| Total domestic deposits to total assets | 89.5695% | 1,086 |
| Equity capital to assets | 10.1084% | 4,003 |
| Core capital (leverage) ratio | 9.7288% | 3,580 |
| Tier 1 risk-based capital ratio | 23.7562% | 975 |
| Total risk-based capital ratio | 24.8912% | 965 |
| Memoranda: | ||
| Average total assets | $15,725,000 | 7,654 |
| Average earning assets | $13,468,750 | 7,655 |
| Average equity | $1,560,250 | 7,678 |
| Average total loans | $5,486,750 | 7,642 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 6,687 |
| Cost of funding earning assets | 1.5181% | 3,148 |
| Net interest margin | 2.9924% | 6,843 |
| Noninterest income to average assets | 0.7172% | 2,600 |
| Noninterest expense to average assets | 2.9821% | 3,771 |
| Loan and lease loss provision to assets | 0.7550% | 1,914 |
| Net operating income to assets | -0.3649% | 6,533 |
| Return on assets (ROA) | -0.3649% | 6,575 |
| Pretax return on assets | -0.4404% | 6,545 |
| Return on Equity (ROE) | -3.6998% | 6,590 |
| Retained earnings to average equity (ytd only) | -3.6998% | 6,403 |
| Net charge-offs to loans | 1.3735% | 1,386 |
| Credit loss provision to net charge-offs | 157.8947% | 2,494 |
| Earnings coverage of net charge-offs (x) | 0.6579% | 5,088 |
| Efficiency ratio | 90.4580% | 1,303 |
| Assets per employee ($millions) | 3.9638% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 4,784 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 1.3813% | 4,413 |
| Noncurrent loans to loans | 3.9782% | 1,909 |
| Net loans and leases to total assets | 34.2605% | 7,413 |
| Net loans and leases to deposits | 38.1327% | 7,494 |
| Net loans and leases to core deposits | 38.9530% | 7,510 |
| Total domestic deposits to total assets | 89.8455% | 993 |
| Equity capital to assets | 9.8455% | 4,208 |
| Core capital (leverage) ratio | 9.8121% | 3,386 |
| Tier 1 risk-based capital ratio | 23.3268% | 1,022 |
| Total risk-based capital ratio | 24.4247% | 1,022 |
| Memoranda: | ||
| Average total assets | $15,895,000 | 7,714 |
| Average earning assets | $13,701,330 | 7,714 |
| Average equity | $1,567,670 | 7,739 |
| Average total loans | $5,533,330 | 7,711 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4408% | 6,919 |
| Cost of funding earning assets | 1.5557% | 3,231 |
| Net interest margin | 2.8851% | 7,039 |
| Noninterest income to average assets | 0.7037% | 2,572 |
| Noninterest expense to average assets | 2.9155% | 3,997 |
| Loan and lease loss provision to assets | 1.5080% | 771 |
| Net operating income to assets | -1.1561% | 7,200 |
| Return on assets (ROA) | -1.1561% | 7,214 |
| Pretax return on assets | -1.1561% | 7,125 |
| Return on Equity (ROE) | -11.7123% | 7,198 |
| Retained earnings to average equity (ytd only) | -11.7123% | 7,050 |
| Net charge-offs to loans | 2.5958% | 624 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 0.3889% | 4,688 |
| Efficiency ratio | 89.2308% | 1,487 |
| Assets per employee ($millions) | 3.9855% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 4,901 |
| Loan loss allowance to noncurrent loans | 34.2466% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 1.3737% | 4,450 |
| Noncurrent loans to loans | 3.8140% | 2,075 |
| Net loans and leases to total assets | 35.5476% | 7,440 |
| Net loans and leases to deposits | 39.5161% | 7,533 |
| Net loans and leases to core deposits | 40.3604% | 7,566 |
| Total domestic deposits to total assets | 89.9573% | 1,008 |
| Equity capital to assets | 9.6851% | 4,247 |
| Core capital (leverage) ratio | 9.6212% | 3,618 |
| Tier 1 risk-based capital ratio | 22.0910% | 1,190 |
| Total risk-based capital ratio | 23.1711% | 1,198 |
| Memoranda: | ||
| Average total assets | $15,915,000 | 7,813 |
| Average earning assets | $14,141,500 | 7,802 |
| Average equity | $1,571,000 | 7,826 |
| Average total loans | $5,547,500 | 7,810 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 6,113 |
| Cost of funding earning assets | 2.0648% | 2,658 |
| Net interest margin | 3.0293% | 6,568 |
| Noninterest income to average assets | 0.7559% | 2,638 |
| Noninterest expense to average assets | 2.9645% | 4,284 |
| Loan and lease loss provision to assets | 0.1906% | 5,816 |
| Net operating income to assets | 0.1972% | 4,909 |
| Return on assets (ROA) | 0.1972% | 4,975 |
| Pretax return on assets | 0.2432% | 4,904 |
| Return on Equity (ROE) | 1.8603% | 4,961 |
| Retained earnings to average equity (ytd only) | 1.8603% | 3,797 |
| Net charge-offs to loans | 0.4570% | 3,953 |
| Credit loss provision to net charge-offs | 120.8333% | 4,416 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,722 |
| Efficiency ratio | 87.2340% | 1,962 |
| Assets per employee ($millions) | 3.9720% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 6,628 |
| Loan loss allowance to noncurrent loans | 20.4819% | 7,040 |
| Noncurrent assets plus other real estate owned to assets | 1.5672% | 4,030 |
| Noncurrent loans to loans | 4.6516% | 1,511 |
| Net loans and leases to total assets | 33.3711% | 7,617 |
| Net loans and leases to deposits | 37.2881% | 7,698 |
| Net loans and leases to core deposits | 45.7108% | 7,672 |
| Total domestic deposits to total assets | 89.4952% | 1,211 |
| Equity capital to assets | 10.0579% | 3,684 |
| Core capital (leverage) ratio | 10.0108% | 3,079 |
| Tier 1 risk-based capital ratio | 23.4770% | 994 |
| Total risk-based capital ratio | 24.2348% | 1,020 |
| Memoranda: | ||
| Average total assets | $15,213,600 | 7,889 |
| Average earning assets | $13,270,200 | 7,892 |
| Average equity | $1,612,600 | 7,906 |
| Average total loans | $5,251,800 | 7,883 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3393% | 5,226 |
| Cost of funding earning assets | 2.1336% | 2,734 |
| Net interest margin | 3.2056% | 6,005 |
| Noninterest income to average assets | 0.7621% | 2,636 |
| Noninterest expense to average assets | 3.0043% | 4,026 |
| Loan and lease loss provision to assets | 0.0532% | 6,846 |
| Net operating income to assets | 0.3988% | 4,407 |
| Return on assets (ROA) | 0.3988% | 4,504 |
| Pretax return on assets | 0.4874% | 4,555 |
| Return on Equity (ROE) | 3.7123% | 4,490 |
| Retained earnings to average equity (ytd only) | 3.7123% | 3,210 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7500% | 2,216 |
| Assets per employee ($millions) | 3.8733% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 6,544 |
| Loan loss allowance to noncurrent loans | 433.3333% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 7,359 |
| Noncurrent loans to loans | 0.2193% | 6,948 |
| Net loans and leases to total assets | 34.9900% | 7,655 |
| Net loans and leases to deposits | 39.3111% | 7,754 |
| Net loans and leases to core deposits | 48.0841% | 7,726 |
| Total domestic deposits to total assets | 89.0079% | 1,189 |
| Equity capital to assets | 10.4886% | 3,526 |
| Core capital (leverage) ratio | 10.3076% | 2,962 |
| Tier 1 risk-based capital ratio | 24.2033% | 981 |
| Total risk-based capital ratio | 24.9924% | 1,003 |
| Memoranda: | ||
| Average total assets | $15,045,000 | 7,973 |
| Average earning assets | $13,060,250 | 7,979 |
| Average equity | $1,616,250 | 7,989 |
| Average total loans | $5,226,500 | 7,962 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3888% | 5,207 |
| Cost of funding earning assets | 2.1897% | 2,843 |
| Net interest margin | 3.1991% | 5,920 |
| Noninterest income to average assets | 0.7250% | 2,842 |
| Noninterest expense to average assets | 3.0344% | 3,953 |
| Loan and lease loss provision to assets | 0.0269% | 6,974 |
| Net operating income to assets | 0.3625% | 4,648 |
| Return on assets (ROA) | 0.3625% | 4,750 |
| Pretax return on assets | 0.4297% | 4,846 |
| Return on Equity (ROE) | 3.3471% | 4,769 |
| Retained earnings to average equity (ytd only) | 3.3471% | 3,464 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9231% | 2,129 |
| Assets per employee ($millions) | 3.8338% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 6,878 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 7,318 |
| Noncurrent loans to loans | 0.2915% | 6,786 |
| Net loans and leases to total assets | 35.4744% | 7,724 |
| Net loans and leases to deposits | 39.9207% | 7,819 |
| Net loans and leases to core deposits | 48.9209% | 7,780 |
| Total domestic deposits to total assets | 88.8621% | 1,342 |
| Equity capital to assets | 10.5641% | 3,324 |
| Core capital (leverage) ratio | 10.3141% | 2,980 |
| Tier 1 risk-based capital ratio | 23.9514% | 1,039 |
| Total risk-based capital ratio | 24.6809% | 1,073 |
| Memoranda: | ||
| Average total assets | $14,895,670 | 8,068 |
| Average earning assets | $12,878,670 | 8,070 |
| Average equity | $1,613,330 | 8,069 |
| Average total loans | $5,144,330 | 8,053 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9590% | 7,037 |
| Cost of funding earning assets | 2.2284% | 3,018 |
| Net interest margin | 2.7306% | 7,139 |
| Noninterest income to average assets | 0.6269% | 3,366 |
| Noninterest expense to average assets | 2.8346% | 4,403 |
| Loan and lease loss provision to assets | 0.0273% | 6,584 |
| Net operating income to assets | 0.1090% | 5,956 |
| Return on assets (ROA) | 0.1090% | 6,118 |
| Pretax return on assets | 0.1363% | 6,086 |
| Return on Equity (ROE) | 0.9938% | 6,124 |
| Retained earnings to average equity (ytd only) | 0.9938% | 5,244 |
| Net charge-offs to loans | 0.4022% | 2,493 |
| Credit loss provision to net charge-offs | 20.0000% | 5,073 |
| Earnings coverage of net charge-offs (x) | 1.2000% | 4,149 |
| Efficiency ratio | 94.5455% | 1,402 |
| Assets per employee ($millions) | 3.7320% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7415% | 7,334 |
| Loan loss allowance to noncurrent loans | 34.1463% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 0.8240% | 5,117 |
| Noncurrent loans to loans | 2.1716% | 3,021 |
| Net loans and leases to total assets | 37.6608% | 7,671 |
| Net loans and leases to deposits | 42.4847% | 7,770 |
| Net loans and leases to core deposits | 51.6680% | 7,738 |
| Total domestic deposits to total assets | 88.6455% | 1,398 |
| Equity capital to assets | 10.7650% | 3,218 |
| Core capital (leverage) ratio | 10.6789% | 2,758 |
| Tier 1 risk-based capital ratio | 23.4743% | 1,142 |
| Total risk-based capital ratio | 24.1088% | 1,179 |
| Memoranda: | ||
| Average total assets | $14,676,000 | 8,125 |
| Average earning assets | $12,744,500 | 8,120 |
| Average equity | $1,610,000 | 8,127 |
| Average total loans | $4,972,500 | 8,110 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7489% | 6,601 |
| Cost of funding earning assets | 2.5645% | 3,882 |
| Net interest margin | 3.1844% | 6,408 |
| Noninterest income to average assets | 0.7332% | 2,887 |
| Noninterest expense to average assets | 3.0292% | 3,975 |
| Loan and lease loss provision to assets | 0.0296% | 7,031 |
| Net operating income to assets | 0.3555% | 5,330 |
| Return on assets (ROA) | 0.3555% | 5,129 |
| Pretax return on assets | 0.4518% | 5,120 |
| Return on Equity (ROE) | 3.0200% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.0200% | 3,293 |
| Net charge-offs to loans | -0.0211% | 7,935 |
| Credit loss provision to net charge-offs | -400.0000% | 7,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2869% | 1,825 |
| Assets per employee ($millions) | 3.6060% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 5,459 |
| Loan loss allowance to noncurrent loans | 766.6667% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 7,426 |
| Noncurrent loans to loans | 0.1402% | 6,991 |
| Net loans and leases to total assets | 29.3608% | 8,005 |
| Net loans and leases to deposits | 33.3202% | 8,074 |
| Net loans and leases to core deposits | 40.2222% | 8,049 |
| Total domestic deposits to total assets | 88.1170% | 1,421 |
| Equity capital to assets | 11.1828% | 2,891 |
| Core capital (leverage) ratio | 11.1592% | 2,457 |
| Tier 1 risk-based capital ratio | 27.7419% | 772 |
| Total risk-based capital ratio | 28.5663% | 781 |
| Memoranda: | ||
| Average total assets | $13,501,800 | 8,195 |
| Average earning assets | $11,776,200 | 8,190 |
| Average equity | $1,589,400 | 8,200 |
| Average total loans | $4,730,800 | 8,171 |