Home > Ericson State Bank > Performance and Condition Ratios
Ericson State Bank, Performance and Condition Ratios
| 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 | 5.9342% | 250 |
| Cost of funding earning assets | 1.9824% | 69 |
| Net interest margin | 3.9518% | 1,990 |
| Noninterest income to average assets | 0.1345% | 4,801 |
| Noninterest expense to average assets | 1.6025% | 4,951 |
| Loan and lease loss provision to assets | 6.5948% | 3 |
| Net operating income to assets | -3.3727% | 5,152 |
| Return on assets (ROA) | -3.3585% | 5,153 |
| Pretax return on assets | -4.2743% | 5,158 |
| Return on Equity (ROE) | -48.3871% | 5,170 |
| Retained earnings to average equity (ytd only) | -56.5744% | 5,169 |
| Net charge-offs to loans | 6.8066% | 5 |
| Credit loss provision to net charge-offs | 110.0348% | 2,267 |
| Earnings coverage of net charge-offs (x) | 0.3842% | 3,619 |
| Efficiency ratio | 41.0381% | 5,047 |
| Assets per employee ($millions) | 20.1758% | 59 |
| Cash dividends to net income (ytd only)* | -16.9205% | 5,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5656% | 81 |
| Loan loss allowance to noncurrent loans | 51.6040% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 6.1678% | 35 |
| Noncurrent loans to loans | 6.9096% | 47 |
| Net loans and leases to total assets | 85.3894% | 211 |
| Net loans and leases to deposits | 90.5222% | 1,531 |
| Net loans and leases to core deposits | 101.9251% | 1,410 |
| Total domestic deposits to total assets | 94.3298% | 7 |
| Equity capital to assets | 3.6856% | 5,172 |
| Core capital (leverage) ratio | 3.3787% | 5,172 |
| Tier 1 risk-based capital ratio | 4.2980% | 5,174 |
| Total risk-based capital ratio | 5.5777% | 5,174 |
| Memoranda: | ||
| Average total assets | $105,583,600 | 3,906 |
| Average earning assets | $100,738,800 | 3,858 |
| Average equity | $7,328,400 | 4,600 |
| Average total loans | $92,969,000 | 3,339 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9464% | 266 |
| Cost of funding earning assets | 1.9147% | 89 |
| Net interest margin | 4.0316% | 1,831 |
| Noninterest income to average assets | 0.1311% | 4,873 |
| Noninterest expense to average assets | 1.4574% | 5,090 |
| Loan and lease loss provision to assets | 0.1249% | 1,559 |
| Net operating income to assets | 1.8765% | 527 |
| Return on assets (ROA) | 1.8933% | 519 |
| Pretax return on assets | 2.4303% | 287 |
| Return on Equity (ROE) | 24.5569% | 103 |
| Retained earnings to average equity (ytd only) | 14.8378% | 158 |
| Net charge-offs to loans | 1.1731% | 123 |
| Credit loss provision to net charge-offs | 12.1065% | 2,998 |
| Earnings coverage of net charge-offs (x) | 2.4564% | 3,193 |
| Efficiency ratio | 36.5144% | 5,171 |
| Assets per employee ($millions) | 16.1459% | 101 |
| Cash dividends to net income (ytd only)* | 39.5779% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 557 |
| Loan loss allowance to noncurrent loans | 25.7591% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 6.3094% | 42 |
| Noncurrent loans to loans | 7.3948% | 48 |
| Net loans and leases to total assets | 83.1102% | 436 |
| Net loans and leases to deposits | 90.6942% | 1,607 |
| Net loans and leases to core deposits | 101.6140% | 1,536 |
| Total domestic deposits to total assets | 91.6378% | 49 |
| Equity capital to assets | 7.7685% | 5,165 |
| Core capital (leverage) ratio | 7.9417% | 5,135 |
| Tier 1 risk-based capital ratio | 9.4022% | 5,238 |
| Total risk-based capital ratio | 10.6605% | 5,226 |
| Memoranda: | ||
| Average total assets | $106,759,750 | 3,919 |
| Average earning assets | $102,222,250 | 3,870 |
| Average equity | $8,231,000 | 4,534 |
| Average total loans | $93,880,000 | 3,361 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8698% | 299 |
| Cost of funding earning assets | 1.8767% | 93 |
| Net interest margin | 3.9931% | 1,944 |
| Noninterest income to average assets | 0.1280% | 4,936 |
| Noninterest expense to average assets | 1.4521% | 5,139 |
| Loan and lease loss provision to assets | 0.1911% | 919 |
| Net operating income to assets | 1.7587% | 650 |
| Return on assets (ROA) | 1.7617% | 673 |
| Pretax return on assets | 2.3101% | 353 |
| Return on Equity (ROE) | 22.9125% | 141 |
| Retained earnings to average equity (ytd only) | 8.0020% | 1,396 |
| Net charge-offs to loans | 0.0192% | 2,486 |
| Credit loss provision to net charge-offs | 1,111.1111% | 312 |
| Earnings coverage of net charge-offs (x) | 145.2222% | 512 |
| Efficiency ratio | 36.7683% | 5,205 |
| Assets per employee ($millions) | 15.5341% | 96 |
| Cash dividends to net income (ytd only)* | 65.0759% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7420% | 169 |
| Loan loss allowance to noncurrent loans | 33.1118% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 7.3350% | 32 |
| Noncurrent loans to loans | 8.2811% | 41 |
| Net loans and leases to total assets | 86.1466% | 202 |
| Net loans and leases to deposits | 93.6722% | 1,290 |
| Net loans and leases to core deposits | 105.5053% | 1,275 |
| Total domestic deposits to total assets | 91.9661% | 41 |
| Equity capital to assets | 7.5281% | 5,232 |
| Core capital (leverage) ratio | 7.8004% | 5,202 |
| Tier 1 risk-based capital ratio | 8.8122% | 5,287 |
| Total risk-based capital ratio | 10.0814% | 5,287 |
| Memoranda: | ||
| Average total assets | $104,672,670 | 3,990 |
| Average earning assets | $100,173,670 | 3,927 |
| Average equity | $8,048,000 | 4,577 |
| Average total loans | $93,521,330 | 3,386 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1638% | 167 |
| Cost of funding earning assets | 1.8155% | 95 |
| Net interest margin | 4.3483% | 1,009 |
| Noninterest income to average assets | 0.1222% | 5,000 |
| Noninterest expense to average assets | 1.5044% | 5,169 |
| Loan and lease loss provision to assets | 0.1909% | 849 |
| Net operating income to assets | 2.0237% | 372 |
| Return on assets (ROA) | 2.0237% | 390 |
| Pretax return on assets | 2.5697% | 224 |
| Return on Equity (ROE) | 21.9598% | 174 |
| Retained earnings to average equity (ytd only) | 9.5297% | 1,153 |
| Net charge-offs to loans | -0.0912% | 5,002 |
| Credit loss provision to net charge-offs | -238.0952% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2731% | 5,282 |
| Assets per employee ($millions) | 15.1591% | 105 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9242% | 4,055 |
| Loan loss allowance to noncurrent loans | 2,544.1176% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 4,677 |
| Noncurrent loans to loans | 0.0363% | 4,609 |
| Net loans and leases to total assets | 87.3824% | 125 |
| Net loans and leases to deposits | 100.3680% | 605 |
| Net loans and leases to core deposits | 113.0751% | 784 |
| Total domestic deposits to total assets | 87.0620% | 1,780 |
| Equity capital to assets | 9.2061% | 4,529 |
| Core capital (leverage) ratio | 9.2895% | 4,377 |
| Tier 1 risk-based capital ratio | 11.0742% | 4,941 |
| Total risk-based capital ratio | 12.0548% | 4,967 |
| Memoranda: | ||
| Average total assets | $104,759,000 | 4,024 |
| Average earning assets | $99,809,000 | 3,973 |
| Average equity | $9,654,000 | 4,377 |
| Average total loans | $92,124,000 | 3,446 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1838% | 128 |
| Cost of funding earning assets | 1.4316% | 120 |
| Net interest margin | 4.7522% | 440 |
| Noninterest income to average assets | 0.0780% | 5,208 |
| Noninterest expense to average assets | 1.8058% | 4,999 |
| Loan and lease loss provision to assets | 0.1764% | 1,119 |
| Net operating income to assets | 2.0538% | 318 |
| Return on assets (ROA) | 2.0538% | 318 |
| Pretax return on assets | 2.6280% | 165 |
| Return on Equity (ROE) | 20.9132% | 202 |
| Retained earnings to average equity (ytd only) | 10.5709% | 512 |
| Net charge-offs to loans | 0.0277% | 2,853 |
| Credit loss provision to net charge-offs | 717.3913% | 492 |
| Earnings coverage of net charge-offs (x) | 114.0435% | 670 |
| Efficiency ratio | 39.1698% | 5,292 |
| Assets per employee ($millions) | 14.7720% | 105 |
| Cash dividends to net income (ytd only)* | 49.4534% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 4,270 |
| Loan loss allowance to noncurrent loans | 1,301.6393% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 4,547 |
| Noncurrent loans to loans | 0.0673% | 4,451 |
| Net loans and leases to total assets | 86.9057% | 176 |
| Net loans and leases to deposits | 101.7459% | 611 |
| Net loans and leases to core deposits | 113.7778% | 787 |
| Total domestic deposits to total assets | 85.4145% | 2,467 |
| Equity capital to assets | 9.2250% | 4,387 |
| Core capital (leverage) ratio | 9.5525% | 4,056 |
| Tier 1 risk-based capital ratio | 11.2630% | 4,830 |
| Total risk-based capital ratio | 12.2005% | 4,888 |
| Memoranda: | ||
| Average total assets | $93,532,600 | 4,208 |
| Average earning assets | $89,201,400 | 4,159 |
| Average equity | $9,185,600 | 4,439 |
| Average total loans | $83,108,000 | 3,607 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1245% | 132 |
| Cost of funding earning assets | 1.3549% | 128 |
| Net interest margin | 4.7696% | 394 |
| Noninterest income to average assets | 0.0498% | 5,339 |
| Noninterest expense to average assets | 1.6340% | 5,183 |
| Loan and lease loss provision to assets | 0.2416% | 655 |
| Net operating income to assets | 2.2006% | 266 |
| Return on assets (ROA) | 2.2006% | 262 |
| Pretax return on assets | 2.7306% | 156 |
| Return on Equity (ROE) | 22.0281% | 165 |
| Retained earnings to average equity (ytd only) | 15.4328% | 162 |
| Net charge-offs to loans | 0.0098% | 3,073 |
| Credit loss provision to net charge-offs | 2,750.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 338.3250% | 279 |
| Efficiency ratio | 35.4736% | 5,395 |
| Assets per employee ($millions) | 13.8314% | 127 |
| Cash dividends to net income (ytd only)* | 29.9404% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 4,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 88.2865% | 131 |
| Net loans and leases to deposits | 104.0258% | 546 |
| Net loans and leases to core deposits | 115.7813% | 727 |
| Total domestic deposits to total assets | 84.8699% | 2,656 |
| Equity capital to assets | 9.9370% | 3,712 |
| Core capital (leverage) ratio | 10.1384% | 3,482 |
| Tier 1 risk-based capital ratio | 12.0490% | 4,477 |
| Total risk-based capital ratio | 13.0647% | 4,488 |
| Memoranda: | ||
| Average total assets | $91,064,750 | 4,296 |
| Average earning assets | $86,993,000 | 4,247 |
| Average equity | $9,097,250 | 4,492 |
| Average total loans | $81,220,500 | 3,670 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0350% | 135 |
| Cost of funding earning assets | 1.2832% | 126 |
| Net interest margin | 4.7519% | 388 |
| Noninterest income to average assets | 0.0830% | 5,315 |
| Noninterest expense to average assets | 1.6041% | 5,262 |
| Loan and lease loss provision to assets | 0.3365% | 397 |
| Net operating income to assets | 2.1358% | 286 |
| Return on assets (ROA) | 2.1358% | 281 |
| Pretax return on assets | 2.6787% | 163 |
| Return on Equity (ROE) | 21.3389% | 189 |
| Retained earnings to average equity (ytd only) | 15.7352% | 166 |
| Net charge-offs to loans | -0.0277% | 4,714 |
| Credit loss provision to net charge-offs | -1,363.6364% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7256% | 5,461 |
| Assets per employee ($millions) | 13.3577% | 137 |
| Cash dividends to net income (ytd only)* | 26.2605% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 3,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 88.1823% | 128 |
| Net loans and leases to deposits | 104.2362% | 516 |
| Net loans and leases to core deposits | 116.5098% | 690 |
| Total domestic deposits to total assets | 84.5985% | 2,840 |
| Equity capital to assets | 9.9140% | 3,708 |
| Core capital (leverage) ratio | 10.2438% | 3,296 |
| Tier 1 risk-based capital ratio | 12.0455% | 4,464 |
| Total risk-based capital ratio | 13.1020% | 4,471 |
| Memoranda: | ||
| Average total assets | $89,146,330 | 4,363 |
| Average earning assets | $85,103,000 | 4,316 |
| Average equity | $8,922,670 | 4,546 |
| Average total loans | $79,530,670 | 3,723 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0349% | 132 |
| Cost of funding earning assets | 1.2350% | 115 |
| Net interest margin | 4.7999% | 344 |
| Noninterest income to average assets | 0.0828% | 5,388 |
| Noninterest expense to average assets | 1.5178% | 5,377 |
| Loan and lease loss provision to assets | 0.3450% | 354 |
| Net operating income to assets | 2.2399% | 230 |
| Return on assets (ROA) | 2.2399% | 231 |
| Pretax return on assets | 2.7964% | 136 |
| Return on Equity (ROE) | 22.2654% | 157 |
| Retained earnings to average equity (ytd only) | 16.5505% | 217 |
| Net charge-offs to loans | -0.0721% | 5,120 |
| Credit loss provision to net charge-offs | -535.7143% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.5765% | 5,549 |
| Assets per employee ($millions) | 12.5069% | 175 |
| Cash dividends to net income (ytd only)* | 25.6674% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 4,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 88.2327% | 120 |
| Net loans and leases to deposits | 103.9133% | 481 |
| Net loans and leases to core deposits | 115.7295% | 734 |
| Total domestic deposits to total assets | 84.9100% | 2,970 |
| Equity capital to assets | 10.2001% | 3,393 |
| Core capital (leverage) ratio | 10.2108% | 3,289 |
| Tier 1 risk-based capital ratio | 12.3808% | 4,321 |
| Total risk-based capital ratio | 13.4081% | 4,354 |
| Memoranda: | ||
| Average total assets | $86,967,500 | 4,447 |
| Average earning assets | $82,918,000 | 4,393 |
| Average equity | $8,749,000 | 4,617 |
| Average total loans | $77,662,500 | 3,788 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9459% | 146 |
| Cost of funding earning assets | 1.1265% | 117 |
| Net interest margin | 4.8194% | 339 |
| Noninterest income to average assets | -0.0048% | 5,627 |
| Noninterest expense to average assets | 2.1656% | 4,610 |
| Loan and lease loss provision to assets | 0.4225% | 337 |
| Net operating income to assets | 1.6321% | 609 |
| Return on assets (ROA) | 1.6321% | 629 |
| Pretax return on assets | 1.9930% | 499 |
| Return on Equity (ROE) | 16.7376% | 420 |
| Retained earnings to average equity (ytd only) | 13.1475% | 126 |
| Net charge-offs to loans | 0.2348% | 1,103 |
| Credit loss provision to net charge-offs | 200.0000% | 1,355 |
| Earnings coverage of net charge-offs (x) | 11.4343% | 2,574 |
| Efficiency ratio | 47.2727% | 5,345 |
| Assets per employee ($millions) | 12.3410% | 167 |
| Cash dividends to net income (ytd only)* | 21.4497% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 4,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 88.7703% | 106 |
| Net loans and leases to deposits | 103.5388% | 513 |
| Net loans and leases to core deposits | 116.2367% | 709 |
| Total domestic deposits to total assets | 85.7363% | 2,559 |
| Equity capital to assets | 9.9182% | 3,793 |
| Core capital (leverage) ratio | 10.1149% | 3,292 |
| Tier 1 risk-based capital ratio | 12.0329% | 4,500 |
| Total risk-based capital ratio | 12.9485% | 4,609 |
| Memoranda: | ||
| Average total assets | $82,840,000 | 4,535 |
| Average earning assets | $78,827,800 | 4,479 |
| Average equity | $8,077,600 | 4,774 |
| Average total loans | $74,522,600 | 3,859 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9554% | 138 |
| Cost of funding earning assets | 1.1035% | 109 |
| Net interest margin | 4.8519% | 297 |
| Noninterest income to average assets | 0.0960% | 5,487 |
| Noninterest expense to average assets | 1.9035% | 5,129 |
| Loan and lease loss provision to assets | 0.4067% | 329 |
| Net operating income to assets | 1.7473% | 524 |
| Return on assets (ROA) | 1.7473% | 540 |
| Pretax return on assets | 2.3997% | 254 |
| Return on Equity (ROE) | 18.0008% | 329 |
| Retained earnings to average equity (ytd only) | 14.7325% | 124 |
| Net charge-offs to loans | 0.1373% | 1,426 |
| Credit loss provision to net charge-offs | 328.9474% | 911 |
| Earnings coverage of net charge-offs (x) | 22.6975% | 1,846 |
| Efficiency ratio | 40.4145% | 5,572 |
| Assets per employee ($millions) | 12.1273% | 176 |
| Cash dividends to net income (ytd only)* | 18.1562% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 4,763 |
| Loan loss allowance to noncurrent loans | 986.3636% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 4,858 |
| Noncurrent loans to loans | 0.0860% | 4,728 |
| Net loans and leases to total assets | 89.6821% | 94 |
| Net loans and leases to deposits | 100.7477% | 697 |
| Net loans and leases to core deposits | 111.5814% | 947 |
| Total domestic deposits to total assets | 89.0165% | 880 |
| Equity capital to assets | 9.8774% | 4,052 |
| Core capital (leverage) ratio | 9.8471% | 3,757 |
| Tier 1 risk-based capital ratio | 11.8575% | 4,724 |
| Total risk-based capital ratio | 12.7781% | 4,836 |
| Memoranda: | ||
| Average total assets | $81,953,250 | 4,600 |
| Average earning assets | $77,933,000 | 4,537 |
| Average equity | $7,955,000 | 4,839 |
| Average total loans | $73,818,750 | 3,910 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9185% | 136 |
| Cost of funding earning assets | 1.0671% | 118 |
| Net interest margin | 4.8514% | 287 |
| Noninterest income to average assets | 0.1210% | 5,445 |
| Noninterest expense to average assets | 1.9043% | 5,180 |
| Loan and lease loss provision to assets | 0.4322% | 289 |
| Net operating income to assets | 1.7314% | 525 |
| Return on assets (ROA) | 1.7314% | 533 |
| Pretax return on assets | 2.3884% | 253 |
| Return on Equity (ROE) | 17.9475% | 338 |
| Retained earnings to average equity (ytd only) | 14.8752% | 146 |
| Net charge-offs to loans | 0.0659% | 1,988 |
| Credit loss provision to net charge-offs | 729.1667% | 485 |
| Earnings coverage of net charge-offs (x) | 47.5833% | 1,113 |
| Efficiency ratio | 40.3032% | 5,623 |
| Assets per employee ($millions) | 11.9856% | 175 |
| Cash dividends to net income (ytd only)* | 17.1184% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8284% | 4,875 |
| Loan loss allowance to noncurrent loans | 570.9091% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 4,660 |
| Noncurrent loans to loans | 0.1451% | 4,539 |
| Net loans and leases to total assets | 89.6077% | 89 |
| Net loans and leases to deposits | 104.6827% | 460 |
| Net loans and leases to core deposits | 114.8049% | 761 |
| Total domestic deposits to total assets | 85.5994% | 2,572 |
| Equity capital to assets | 9.6390% | 4,281 |
| Core capital (leverage) ratio | 9.7974% | 3,781 |
| Tier 1 risk-based capital ratio | 11.6378% | 4,872 |
| Total risk-based capital ratio | 12.5416% | 4,977 |
| Memoranda: | ||
| Average total assets | $80,974,000 | 4,645 |
| Average earning assets | $76,843,670 | 4,594 |
| Average equity | $7,811,670 | 4,887 |
| Average total loans | $72,830,670 | 3,952 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8976% | 138 |
| Cost of funding earning assets | 1.0539% | 125 |
| Net interest margin | 4.8437% | 290 |
| Noninterest income to average assets | 0.1207% | 5,509 |
| Noninterest expense to average assets | 1.8463% | 5,307 |
| Loan and lease loss provision to assets | 0.5031% | 205 |
| Net operating income to assets | 1.6954% | 558 |
| Return on assets (ROA) | 1.6954% | 569 |
| Pretax return on assets | 2.3493% | 275 |
| Return on Equity (ROE) | 17.5658% | 369 |
| Retained earnings to average equity (ytd only) | 17.5658% | 150 |
| Net charge-offs to loans | 0.0168% | 2,454 |
| Credit loss provision to net charge-offs | 3,333.3333% | 98 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 301 |
| Efficiency ratio | 39.2934% | 5,710 |
| Assets per employee ($millions) | 11.4349% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7981% | 5,070 |
| Loan loss allowance to noncurrent loans | 367.9487% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 4,461 |
| Noncurrent loans to loans | 0.2169% | 4,330 |
| Net loans and leases to total assets | 89.1347% | 76 |
| Net loans and leases to deposits | 101.0867% | 544 |
| Net loans and leases to core deposits | 111.0494% | 826 |
| Total domestic deposits to total assets | 88.1765% | 1,607 |
| Equity capital to assets | 9.7971% | 3,978 |
| Core capital (leverage) ratio | 9.8913% | 3,634 |
| Tier 1 risk-based capital ratio | 11.8531% | 4,810 |
| Total risk-based capital ratio | 12.7207% | 4,947 |
| Memoranda: | ||
| Average total assets | $79,511,500 | 4,722 |
| Average earning assets | $75,149,000 | 4,678 |
| Average equity | $7,674,000 | 4,946 |
| Average total loans | $71,342,000 | 4,020 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6203% | 213 |
| Cost of funding earning assets | 0.9769% | 199 |
| Net interest margin | 4.6434% | 465 |
| Noninterest income to average assets | 0.1403% | 5,485 |
| Noninterest expense to average assets | 2.2206% | 4,726 |
| Loan and lease loss provision to assets | 0.7577% | 151 |
| Net operating income to assets | 1.0248% | 2,240 |
| Return on assets (ROA) | 1.3301% | 1,200 |
| Pretax return on assets | 2.0427% | 452 |
| Return on Equity (ROE) | 14.2830% | 730 |
| Retained earnings to average equity (ytd only) | 8.0292% | 849 |
| Net charge-offs to loans | 1.1339% | 159 |
| Credit loss provision to net charge-offs | 79.3963% | 2,981 |
| Earnings coverage of net charge-offs (x) | 2.4423% | 3,827 |
| Efficiency ratio | 48.7892% | 5,540 |
| Assets per employee ($millions) | 11.2827% | 207 |
| Cash dividends to net income (ytd only)* | 43.7853% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6741% | 5,406 |
| Loan loss allowance to noncurrent loans | 185.6031% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 3,976 |
| Noncurrent loans to loans | 0.3632% | 3,824 |
| Net loans and leases to total assets | 88.9933% | 94 |
| Net loans and leases to deposits | 104.6826% | 404 |
| Net loans and leases to core deposits | 115.1192% | 654 |
| Total domestic deposits to total assets | 85.0125% | 3,037 |
| Equity capital to assets | 9.5038% | 4,268 |
| Core capital (leverage) ratio | 9.8629% | 3,675 |
| Tier 1 risk-based capital ratio | 11.5698% | 5,009 |
| Total risk-based capital ratio | 12.3050% | 5,201 |
| Memoranda: | ||
| Average total assets | $79,844,400 | 4,735 |
| Average earning assets | $75,850,400 | 4,679 |
| Average equity | $7,435,400 | 5,019 |
| Average total loans | $67,201,400 | 4,109 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5770% | 229 |
| Cost of funding earning assets | 0.9726% | 196 |
| Net interest margin | 4.6043% | 507 |
| Noninterest income to average assets | 0.1449% | 5,536 |
| Noninterest expense to average assets | 2.0151% | 5,171 |
| Loan and lease loss provision to assets | 0.6995% | 161 |
| Net operating income to assets | 1.4407% | 986 |
| Return on assets (ROA) | 1.9301% | 404 |
| Pretax return on assets | 2.4331% | 246 |
| Return on Equity (ROE) | 20.8323% | 199 |
| Retained earnings to average equity (ytd only) | 16.3388% | 102 |
| Net charge-offs to loans | 0.9510% | 184 |
| Credit loss provision to net charge-offs | 88.7949% | 2,549 |
| Earnings coverage of net charge-offs (x) | 3.1903% | 3,458 |
| Efficiency ratio | 44.5017% | 5,730 |
| Assets per employee ($millions) | 11.0144% | 212 |
| Cash dividends to net income (ytd only)* | 21.5707% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 5,054 |
| Loan loss allowance to noncurrent loans | 220.0758% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 4,036 |
| Noncurrent loans to loans | 0.3849% | 3,880 |
| Net loans and leases to total assets | 88.2064% | 123 |
| Net loans and leases to deposits | 99.4793% | 738 |
| Net loans and leases to core deposits | 110.2880% | 893 |
| Total domestic deposits to total assets | 88.6681% | 1,068 |
| Equity capital to assets | 10.1399% | 3,993 |
| Core capital (leverage) ratio | 9.9957% | 3,575 |
| Tier 1 risk-based capital ratio | 12.5084% | 4,471 |
| Total risk-based capital ratio | 13.4380% | 4,576 |
| Memoranda: | ||
| Average total assets | $80,060,750 | 4,774 |
| Average earning assets | $76,216,000 | 4,706 |
| Average equity | $7,417,750 | 5,074 |
| Average total loans | $66,311,000 | 4,161 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4558% | 271 |
| Cost of funding earning assets | 0.9573% | 211 |
| Net interest margin | 4.4985% | 623 |
| Noninterest income to average assets | 0.1851% | 5,387 |
| Noninterest expense to average assets | 1.8878% | 5,473 |
| Loan and lease loss provision to assets | 0.7773% | 137 |
| Net operating income to assets | 1.4357% | 995 |
| Return on assets (ROA) | 1.9668% | 371 |
| Pretax return on assets | 2.4628% | 234 |
| Return on Equity (ROE) | 21.8826% | 159 |
| Retained earnings to average equity (ytd only) | 19.8234% | 60 |
| Net charge-offs to loans | 0.9580% | 192 |
| Credit loss provision to net charge-offs | 100.3185% | 2,081 |
| Earnings coverage of net charge-offs (x) | 3.3248% | 3,126 |
| Efficiency ratio | 42.2886% | 5,860 |
| Assets per employee ($millions) | 11.3269% | 188 |
| Cash dividends to net income (ytd only)* | 9.4103% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 4,791 |
| Loan loss allowance to noncurrent loans | 319.0955% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 3,615 |
| Noncurrent loans to loans | 0.2955% | 4,313 |
| Net loans and leases to total assets | 84.1363% | 413 |
| Net loans and leases to deposits | 94.2884% | 1,262 |
| Net loans and leases to core deposits | 107.4997% | 1,062 |
| Total domestic deposits to total assets | 89.2329% | 793 |
| Equity capital to assets | 9.6244% | 4,642 |
| Core capital (leverage) ratio | 9.5594% | 4,118 |
| Tier 1 risk-based capital ratio | 12.2153% | 4,693 |
| Total risk-based capital ratio | 13.2317% | 4,753 |
| Memoranda: | ||
| Average total assets | $81,047,330 | 4,791 |
| Average earning assets | $77,091,670 | 4,728 |
| Average equity | $7,284,330 | 5,142 |
| Average total loans | $65,551,670 | 4,204 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5385% | 241 |
| Cost of funding earning assets | 0.9386% | 236 |
| Net interest margin | 4.6000% | 499 |
| Noninterest income to average assets | 0.1855% | 5,389 |
| Noninterest expense to average assets | 1.7479% | 5,705 |
| Loan and lease loss provision to assets | 0.4638% | 276 |
| Net operating income to assets | 1.8631% | 427 |
| Return on assets (ROA) | 1.9725% | 375 |
| Pretax return on assets | 2.4656% | 253 |
| Return on Equity (ROE) | 22.7254% | 137 |
| Retained earnings to average equity (ytd only) | 22.7254% | 60 |
| Net charge-offs to loans | 0.2784% | 761 |
| Credit loss provision to net charge-offs | 211.1111% | 1,043 |
| Earnings coverage of net charge-offs (x) | 12.7111% | 1,775 |
| Efficiency ratio | 38.4946% | 5,995 |
| Assets per employee ($millions) | 11.6339% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 4,356 |
| Loan loss allowance to noncurrent loans | 155.4545% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7724% | 2,765 |
| Noncurrent loans to loans | 0.6729% | 3,157 |
| Net loans and leases to total assets | 79.4590% | 894 |
| Net loans and leases to deposits | 90.5426% | 1,512 |
| Net loans and leases to core deposits | 103.5758% | 1,214 |
| Total domestic deposits to total assets | 87.7586% | 1,774 |
| Equity capital to assets | 8.9799% | 5,188 |
| Core capital (leverage) ratio | 8.8125% | 5,066 |
| Tier 1 risk-based capital ratio | 11.8500% | 5,010 |
| Total risk-based capital ratio | 12.9584% | 5,010 |
| Memoranda: | ||
| Average total assets | $81,927,000 | 4,818 |
| Average earning assets | $77,566,000 | 4,758 |
| Average equity | $7,111,000 | 5,210 |
| Average total loans | $64,655,000 | 4,247 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4082% | 316 |
| Cost of funding earning assets | 0.8223% | 436 |
| Net interest margin | 4.5859% | 562 |
| Noninterest income to average assets | 0.1207% | 5,805 |
| Noninterest expense to average assets | 2.0964% | 5,265 |
| Loan and lease loss provision to assets | 0.5848% | 187 |
| Net operating income to assets | 1.1718% | 1,663 |
| Return on assets (ROA) | 1.1922% | 1,654 |
| Pretax return on assets | 1.8336% | 751 |
| Return on Equity (ROE) | 14.2917% | 799 |
| Retained earnings to average equity (ytd only) | 11.0505% | 340 |
| Net charge-offs to loans | 0.6241% | 386 |
| Credit loss provision to net charge-offs | 120.4663% | 2,139 |
| Earnings coverage of net charge-offs (x) | 4.9171% | 3,467 |
| Efficiency ratio | 46.7602% | 5,887 |
| Assets per employee ($millions) | 11.7739% | 161 |
| Cash dividends to net income (ytd only)* | 22.6793% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 4,660 |
| Loan loss allowance to noncurrent loans | 422.6667% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 3,955 |
| Noncurrent loans to loans | 0.2347% | 4,584 |
| Net loans and leases to total assets | 76.7839% | 1,290 |
| Net loans and leases to deposits | 93.1221% | 1,299 |
| Net loans and leases to core deposits | 104.6605% | 1,186 |
| Total domestic deposits to total assets | 82.4551% | 4,035 |
| Equity capital to assets | 8.3830% | 5,645 |
| Core capital (leverage) ratio | 8.4518% | 5,474 |
| Tier 1 risk-based capital ratio | 11.2798% | 5,388 |
| Total risk-based capital ratio | 12.3149% | 5,390 |
| Memoranda: | ||
| Average total assets | $79,517,400 | 4,886 |
| Average earning assets | $75,644,400 | 4,818 |
| Average equity | $6,633,200 | 5,318 |
| Average total loans | $61,848,800 | 4,325 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3856% | 327 |
| Cost of funding earning assets | 0.8092% | 474 |
| Net interest margin | 4.5764% | 569 |
| Noninterest income to average assets | 0.1421% | 5,775 |
| Noninterest expense to average assets | 1.9595% | 5,551 |
| Loan and lease loss provision to assets | 0.4738% | 225 |
| Net operating income to assets | 1.5568% | 836 |
| Return on assets (ROA) | 1.5670% | 866 |
| Pretax return on assets | 2.0864% | 518 |
| Return on Equity (ROE) | 18.8085% | 350 |
| Retained earnings to average equity (ytd only) | 15.9648% | 127 |
| Net charge-offs to loans | 0.5152% | 463 |
| Credit loss provision to net charge-offs | 118.1435% | 2,014 |
| Earnings coverage of net charge-offs (x) | 6.3503% | 3,062 |
| Efficiency ratio | 43.4848% | 6,052 |
| Assets per employee ($millions) | 11.7321% | 157 |
| Cash dividends to net income (ytd only)* | 15.1186% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 5,055 |
| Loan loss allowance to noncurrent loans | 1,758.8235% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 4,585 |
| Noncurrent loans to loans | 0.0531% | 5,406 |
| Net loans and leases to total assets | 77.2798% | 1,210 |
| Net loans and leases to deposits | 94.1088% | 1,190 |
| Net loans and leases to core deposits | 104.9927% | 1,168 |
| Total domestic deposits to total assets | 82.1175% | 4,125 |
| Equity capital to assets | 8.4773% | 5,718 |
| Core capital (leverage) ratio | 8.6289% | 5,433 |
| Tier 1 risk-based capital ratio | 11.4127% | 5,418 |
| Total risk-based capital ratio | 12.3930% | 5,472 |
| Memoranda: | ||
| Average total assets | $78,792,500 | 4,952 |
| Average earning assets | $75,137,250 | 4,894 |
| Average equity | $6,564,250 | 5,399 |
| Average total loans | $61,331,750 | 4,385 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3363% | 345 |
| Cost of funding earning assets | 0.7969% | 510 |
| Net interest margin | 4.5394% | 590 |
| Noninterest income to average assets | 0.1365% | 5,879 |
| Noninterest expense to average assets | 1.9490% | 5,633 |
| Loan and lease loss provision to assets | 0.4634% | 226 |
| Net operating income to assets | 1.5493% | 829 |
| Return on assets (ROA) | 1.5551% | 853 |
| Pretax return on assets | 2.0726% | 515 |
| Return on Equity (ROE) | 18.7821% | 351 |
| Retained earnings to average equity (ytd only) | 16.4498% | 140 |
| Net charge-offs to loans | 0.4204% | 612 |
| Credit loss provision to net charge-offs | 141.7323% | 1,587 |
| Earnings coverage of net charge-offs (x) | 7.7323% | 2,641 |
| Efficiency ratio | 43.5308% | 6,132 |
| Assets per employee ($millions) | 11.4819% | 167 |
| Cash dividends to net income (ytd only)* | 12.4172% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 5,062 |
| Loan loss allowance to noncurrent loans | 177.7778% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6607% | 3,419 |
| Noncurrent loans to loans | 0.5395% | 3,837 |
| Net loans and leases to total assets | 78.1183% | 1,054 |
| Net loans and leases to deposits | 95.2342% | 1,029 |
| Net loans and leases to core deposits | 103.4826% | 1,223 |
| Total domestic deposits to total assets | 82.0275% | 4,287 |
| Equity capital to assets | 8.3424% | 5,802 |
| Core capital (leverage) ratio | 8.6302% | 5,401 |
| Tier 1 risk-based capital ratio | 11.0341% | 5,695 |
| Total risk-based capital ratio | 12.0347% | 5,748 |
| Memoranda: | ||
| Average total assets | $77,681,670 | 5,026 |
| Average earning assets | $74,283,330 | 4,954 |
| Average equity | $6,431,670 | 5,467 |
| Average total loans | $60,421,000 | 4,451 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3576% | 321 |
| Cost of funding earning assets | 0.7905% | 535 |
| Net interest margin | 4.5671% | 536 |
| Noninterest income to average assets | 0.1258% | 5,974 |
| Noninterest expense to average assets | 1.9126% | 5,740 |
| Loan and lease loss provision to assets | 0.4192% | 268 |
| Net operating income to assets | 1.6282% | 682 |
| Return on assets (ROA) | 1.6401% | 697 |
| Pretax return on assets | 2.1694% | 410 |
| Return on Equity (ROE) | 19.8888% | 272 |
| Retained earnings to average equity (ytd only) | 15.1231% | 275 |
| Net charge-offs to loans | 0.3394% | 720 |
| Credit loss provision to net charge-offs | 160.0000% | 1,202 |
| Earnings coverage of net charge-offs (x) | 9.8200% | 1,981 |
| Efficiency ratio | 42.6402% | 6,216 |
| Assets per employee ($millions) | 11.0276% | 195 |
| Cash dividends to net income (ytd only)* | 23.9617% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 5,153 |
| Loan loss allowance to noncurrent loans | 135.7309% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8032% | 3,103 |
| Noncurrent loans to loans | 0.7175% | 3,473 |
| Net loans and leases to total assets | 77.0588% | 1,051 |
| Net loans and leases to deposits | 93.6328% | 1,026 |
| Net loans and leases to core deposits | 101.2063% | 1,240 |
| Total domestic deposits to total assets | 82.2989% | 4,414 |
| Equity capital to assets | 8.3090% | 5,862 |
| Core capital (leverage) ratio | 8.4149% | 5,612 |
| Tier 1 risk-based capital ratio | 10.9121% | 5,843 |
| Total risk-based capital ratio | 11.9073% | 5,882 |
| Memoranda: | ||
| Average total assets | $76,336,000 | 5,102 |
| Average earning assets | $72,869,000 | 5,032 |
| Average equity | $6,295,000 | 5,534 |
| Average total loans | $58,934,500 | 4,522 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4266% | 359 |
| Cost of funding earning assets | 0.8295% | 564 |
| Net interest margin | 4.5971% | 619 |
| Noninterest income to average assets | 0.1296% | 6,044 |
| Noninterest expense to average assets | 2.1361% | 5,490 |
| Loan and lease loss provision to assets | 0.5110% | 295 |
| Net operating income to assets | 1.1962% | 1,593 |
| Return on assets (ROA) | 1.1962% | 1,662 |
| Pretax return on assets | 1.8382% | 731 |
| Return on Equity (ROE) | 14.0324% | 930 |
| Retained earnings to average equity (ytd only) | 10.6552% | 421 |
| Net charge-offs to loans | 0.4943% | 837 |
| Credit loss provision to net charge-offs | 135.4962% | 1,740 |
| Earnings coverage of net charge-offs (x) | 6.2290% | 3,243 |
| Efficiency ratio | 47.6252% | 6,197 |
| Assets per employee ($millions) | 10.7827% | 199 |
| Cash dividends to net income (ytd only)* | 24.0674% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 5,250 |
| Loan loss allowance to noncurrent loans | 130.8962% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8466% | 3,092 |
| Noncurrent loans to loans | 0.7336% | 3,485 |
| Net loans and leases to total assets | 75.8423% | 1,292 |
| Net loans and leases to deposits | 93.5942% | 1,119 |
| Net loans and leases to core deposits | 98.0021% | 1,549 |
| Total domestic deposits to total assets | 81.0331% | 4,738 |
| Equity capital to assets | 8.1824% | 5,972 |
| Core capital (leverage) ratio | 8.4975% | 5,563 |
| Tier 1 risk-based capital ratio | 10.8784% | 5,954 |
| Total risk-based capital ratio | 11.8560% | 6,005 |
| Memoranda: | ||
| Average total assets | $69,471,000 | 5,312 |
| Average earning assets | $65,824,400 | 5,235 |
| Average equity | $5,922,000 | 5,637 |
| Average total loans | $53,001,200 | 4,726 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5177% | 310 |
| Cost of funding earning assets | 0.8353% | 577 |
| Net interest margin | 4.6824% | 523 |
| Noninterest income to average assets | 0.1412% | 6,068 |
| Noninterest expense to average assets | 2.0048% | 5,770 |
| Loan and lease loss provision to assets | 0.4610% | 330 |
| Net operating income to assets | 1.5771% | 794 |
| Return on assets (ROA) | 1.5771% | 817 |
| Pretax return on assets | 2.1068% | 450 |
| Return on Equity (ROE) | 18.2977% | 414 |
| Retained earnings to average equity (ytd only) | 13.7460% | 266 |
| Net charge-offs to loans | 0.4015% | 986 |
| Credit loss provision to net charge-offs | 150.6410% | 1,574 |
| Earnings coverage of net charge-offs (x) | 8.3912% | 2,805 |
| Efficiency ratio | 43.8438% | 6,367 |
| Assets per employee ($millions) | 10.1037% | 230 |
| Cash dividends to net income (ytd only)* | 24.8757% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 5,131 |
| Loan loss allowance to noncurrent loans | 5,410.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 5,001 |
| Noncurrent loans to loans | 0.0188% | 5,955 |
| Net loans and leases to total assets | 74.3517% | 1,467 |
| Net loans and leases to deposits | 86.8788% | 1,808 |
| Net loans and leases to core deposits | 91.0107% | 2,115 |
| Total domestic deposits to total assets | 85.5810% | 3,081 |
| Equity capital to assets | 8.6941% | 5,644 |
| Core capital (leverage) ratio | 8.7227% | 5,410 |
| Tier 1 risk-based capital ratio | 11.7862% | 5,619 |
| Total risk-based capital ratio | 12.8232% | 5,675 |
| Memoranda: | ||
| Average total assets | $67,969,000 | 5,404 |
| Average earning assets | $64,324,500 | 5,322 |
| Average equity | $5,858,500 | 5,706 |
| Average total loans | $51,801,500 | 4,802 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5320% | 290 |
| Cost of funding earning assets | 0.8358% | 594 |
| Net interest margin | 4.6962% | 490 |
| Noninterest income to average assets | 0.1521% | 6,042 |
| Noninterest expense to average assets | 1.9717% | 5,873 |
| Loan and lease loss provision to assets | 0.4922% | 305 |
| Net operating income to assets | 1.5928% | 711 |
| Return on assets (ROA) | 1.5928% | 744 |
| Pretax return on assets | 2.1298% | 422 |
| Return on Equity (ROE) | 18.5363% | 410 |
| Retained earnings to average equity (ytd only) | 15.0651% | 211 |
| Net charge-offs to loans | 0.4517% | 898 |
| Credit loss provision to net charge-offs | 142.2414% | 1,511 |
| Earnings coverage of net charge-offs (x) | 7.5776% | 2,607 |
| Efficiency ratio | 42.9221% | 6,454 |
| Assets per employee ($millions) | 10.0694% | 229 |
| Cash dividends to net income (ytd only)* | 18.7266% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 5,586 |
| Loan loss allowance to noncurrent loans | 3,650.0000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 5,080 |
| Noncurrent loans to loans | 0.0259% | 5,991 |
| Net loans and leases to total assets | 76.0378% | 1,156 |
| Net loans and leases to deposits | 89.1825% | 1,456 |
| Net loans and leases to core deposits | 92.2606% | 1,923 |
| Total domestic deposits to total assets | 85.2609% | 3,381 |
| Equity capital to assets | 8.4825% | 5,814 |
| Core capital (leverage) ratio | 8.8350% | 5,240 |
| Tier 1 risk-based capital ratio | 11.3723% | 5,867 |
| Total risk-based capital ratio | 12.3443% | 5,948 |
| Memoranda: | ||
| Average total assets | $67,050,000 | 5,473 |
| Average earning assets | $63,412,330 | 5,406 |
| Average equity | $5,761,670 | 5,762 |
| Average total loans | $51,359,670 | 4,844 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6289% | 247 |
| Cost of funding earning assets | 0.8460% | 595 |
| Net interest margin | 4.7830% | 396 |
| Noninterest income to average assets | 0.2204% | 5,594 |
| Noninterest expense to average assets | 1.9898% | 5,905 |
| Loan and lease loss provision to assets | 0.5510% | 249 |
| Net operating income to assets | 1.6286% | 642 |
| Return on assets (ROA) | 1.6286% | 666 |
| Pretax return on assets | 2.1796% | 366 |
| Return on Equity (ROE) | 18.8219% | 379 |
| Retained earnings to average equity (ytd only) | 15.2839% | 307 |
| Net charge-offs to loans | 0.4641% | 782 |
| Credit loss provision to net charge-offs | 155.1724% | 1,231 |
| Earnings coverage of net charge-offs (x) | 7.6897% | 2,098 |
| Efficiency ratio | 42.1530% | 6,549 |
| Assets per employee ($millions) | 9.4800% | 284 |
| Cash dividends to net income (ytd only)* | 18.7970% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 5,591 |
| Loan loss allowance to noncurrent loans | 49,400.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 5,153 |
| Noncurrent loans to loans | 0.0020% | 6,194 |
| Net loans and leases to total assets | 75.0136% | 1,128 |
| Net loans and leases to deposits | 86.9016% | 1,479 |
| Net loans and leases to core deposits | 88.4520% | 2,048 |
| Total domestic deposits to total assets | 86.3201% | 3,200 |
| Equity capital to assets | 8.6814% | 5,456 |
| Core capital (leverage) ratio | 8.9031% | 5,137 |
| Tier 1 risk-based capital ratio | 12.0349% | 5,622 |
| Total risk-based capital ratio | 13.0669% | 5,688 |
| Memoranda: | ||
| Average total assets | $65,332,000 | 5,582 |
| Average earning assets | $61,468,000 | 5,527 |
| Average equity | $5,653,000 | 5,830 |
| Average total loans | $49,986,000 | 4,936 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7595% | 245 |
| Cost of funding earning assets | 0.9644% | 538 |
| Net interest margin | 4.7952% | 436 |
| Noninterest income to average assets | 0.2116% | 5,819 |
| Noninterest expense to average assets | 2.3085% | 5,358 |
| Loan and lease loss provision to assets | 0.5721% | 451 |
| Net operating income to assets | 1.2135% | 1,516 |
| Return on assets (ROA) | 1.2135% | 1,587 |
| Pretax return on assets | 1.8668% | 652 |
| Return on Equity (ROE) | 13.4866% | 1,071 |
| Retained earnings to average equity (ytd only) | 10.9473% | 423 |
| Net charge-offs to loans | 0.7056% | 913 |
| Credit loss provision to net charge-offs | 101.1976% | 2,385 |
| Earnings coverage of net charge-offs (x) | 4.3144% | 3,604 |
| Efficiency ratio | 48.6275% | 6,466 |
| Assets per employee ($millions) | 9.1863% | 311 |
| Cash dividends to net income (ytd only)* | 18.8285% | 3,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 5,822 |
| Loan loss allowance to noncurrent loans | 11,550.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.3468% | 5,229 |
| Noncurrent loans to loans | 0.0080% | 6,270 |
| Net loans and leases to total assets | 76.5691% | 998 |
| Net loans and leases to deposits | 91.3946% | 1,121 |
| Net loans and leases to core deposits | 93.0844% | 1,670 |
| Total domestic deposits to total assets | 83.7786% | 4,254 |
| Equity capital to assets | 8.6231% | 5,458 |
| Core capital (leverage) ratio | 8.7803% | 5,311 |
| Tier 1 risk-based capital ratio | 11.5300% | 5,890 |
| Total risk-based capital ratio | 12.4906% | 6,000 |
| Memoranda: | ||
| Average total assets | $59,085,200 | 5,780 |
| Average earning assets | $55,889,800 | 5,707 |
| Average equity | $5,316,400 | 5,981 |
| Average total loans | $47,332,400 | 5,053 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7229% | 271 |
| Cost of funding earning assets | 0.9790% | 551 |
| Net interest margin | 4.7439% | 481 |
| Noninterest income to average assets | 0.2261% | 5,811 |
| Noninterest expense to average assets | 2.0699% | 5,892 |
| Loan and lease loss provision to assets | 0.4961% | 556 |
| Net operating income to assets | 1.6360% | 708 |
| Return on assets (ROA) | 1.6360% | 748 |
| Pretax return on assets | 2.1552% | 429 |
| Return on Equity (ROE) | 17.9742% | 444 |
| Retained earnings to average equity (ytd only) | 14.8053% | 211 |
| Net charge-offs to loans | 0.6561% | 930 |
| Credit loss provision to net charge-offs | 93.4783% | 2,548 |
| Earnings coverage of net charge-offs (x) | 4.9956% | 3,308 |
| Efficiency ratio | 43.8416% | 6,662 |
| Assets per employee ($millions) | 8.8121% | 336 |
| Cash dividends to net income (ytd only)* | 17.6302% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 6,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 5,344 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 79.6855% | 584 |
| Net loans and leases to deposits | 95.2855% | 745 |
| Net loans and leases to core deposits | 96.6552% | 1,340 |
| Total domestic deposits to total assets | 83.6281% | 4,335 |
| Equity capital to assets | 8.9925% | 5,201 |
| Core capital (leverage) ratio | 9.2638% | 4,731 |
| Tier 1 risk-based capital ratio | 11.7330% | 5,929 |
| Total risk-based capital ratio | 12.6700% | 6,057 |
| Memoranda: | ||
| Average total assets | $57,780,500 | 5,878 |
| Average earning assets | $54,749,750 | 5,804 |
| Average equity | $5,259,250 | 6,071 |
| Average total loans | $46,740,750 | 5,126 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6307% | 300 |
| Cost of funding earning assets | 1.0047% | 534 |
| Net interest margin | 4.6260% | 575 |
| Noninterest income to average assets | 0.2443% | 5,706 |
| Noninterest expense to average assets | 2.0928% | 5,880 |
| Loan and lease loss provision to assets | 0.4781% | 589 |
| Net operating income to assets | 1.5121% | 880 |
| Return on assets (ROA) | 1.5121% | 945 |
| Pretax return on assets | 2.0432% | 553 |
| Return on Equity (ROE) | 16.5397% | 598 |
| Retained earnings to average equity (ytd only) | 14.6030% | 264 |
| Net charge-offs to loans | 0.5460% | 1,205 |
| Credit loss provision to net charge-offs | 108.0000% | 2,054 |
| Earnings coverage of net charge-offs (x) | 5.6960% | 2,844 |
| Efficiency ratio | 45.3569% | 6,668 |
| Assets per employee ($millions) | 8.3590% | 401 |
| Cash dividends to net income (ytd only)* | 11.7096% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 5,924 |
| Loan loss allowance to noncurrent loans | 7,800.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 5,304 |
| Noncurrent loans to loans | 0.0125% | 6,394 |
| Net loans and leases to total assets | 81.5289% | 388 |
| Net loans and leases to deposits | 90.8719% | 1,064 |
| Net loans and leases to core deposits | 92.1604% | 1,695 |
| Total domestic deposits to total assets | 89.7185% | 1,194 |
| Equity capital to assets | 9.1262% | 5,070 |
| Core capital (leverage) ratio | 9.3143% | 4,515 |
| Tier 1 risk-based capital ratio | 11.7915% | 5,920 |
| Total risk-based capital ratio | 12.8249% | 6,028 |
| Memoranda: | ||
| Average total assets | $56,479,000 | 5,959 |
| Average earning assets | $53,350,330 | 5,882 |
| Average equity | $5,163,330 | 6,141 |
| Average total loans | $45,788,670 | 5,196 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6974% | 274 |
| Cost of funding earning assets | 1.0303% | 520 |
| Net interest margin | 4.6671% | 503 |
| Noninterest income to average assets | 0.2596% | 5,605 |
| Noninterest expense to average assets | 1.9040% | 6,269 |
| Loan and lease loss provision to assets | 0.2164% | 1,714 |
| Net operating income to assets | 1.9761% | 353 |
| Return on assets (ROA) | 1.9761% | 383 |
| Pretax return on assets | 2.5170% | 262 |
| Return on Equity (ROE) | 21.5961% | 217 |
| Retained earnings to average equity (ytd only) | 17.6552% | 208 |
| Net charge-offs to loans | 0.3677% | 1,539 |
| Credit loss provision to net charge-offs | 73.1707% | 2,249 |
| Earnings coverage of net charge-offs (x) | 9.2439% | 1,865 |
| Efficiency ratio | 41.0575% | 6,851 |
| Assets per employee ($millions) | 8.0469% | 475 |
| Cash dividends to net income (ytd only)* | 18.2482% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 5,981 |
| Loan loss allowance to noncurrent loans | 4,470.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 5,327 |
| Noncurrent loans to loans | 0.0224% | 6,429 |
| Net loans and leases to total assets | 78.5027% | 560 |
| Net loans and leases to deposits | 87.7413% | 1,173 |
| Net loans and leases to core deposits | 89.0345% | 1,799 |
| Total domestic deposits to total assets | 89.4706% | 1,373 |
| Equity capital to assets | 9.2086% | 5,244 |
| Core capital (leverage) ratio | 9.3747% | 4,282 |
| Tier 1 risk-based capital ratio | 12.4517% | 5,608 |
| Total risk-based capital ratio | 13.5247% | 5,690 |
| Memoranda: | ||
| Average total assets | $55,462,000 | 6,035 |
| Average earning assets | $52,023,500 | 5,985 |
| Average equity | $5,075,000 | 6,227 |
| Average total loans | $44,596,500 | 5,276 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3588% | 152 |
| Cost of funding earning assets | 1.1373% | 782 |
| Net interest margin | 5.2215% | 263 |
| Noninterest income to average assets | 0.2929% | 5,376 |
| Noninterest expense to average assets | 2.5855% | 4,789 |
| Loan and lease loss provision to assets | 0.6789% | 780 |
| Net operating income to assets | 1.2743% | 1,383 |
| Return on assets (ROA) | 1.2743% | 1,533 |
| Pretax return on assets | 1.9532% | 668 |
| Return on Equity (ROE) | 13.8438% | 1,019 |
| Retained earnings to average equity (ytd only) | 11.7367% | 349 |
| Net charge-offs to loans | 0.9077% | 1,253 |
| Credit loss provision to net charge-offs | 87.7193% | 3,559 |
| Earnings coverage of net charge-offs (x) | 3.4010% | 3,744 |
| Efficiency ratio | 49.5539% | 6,618 |
| Assets per employee ($millions) | 7.7994% | 553 |
| Cash dividends to net income (ytd only)* | 15.2207% | 3,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 5,866 |
| Loan loss allowance to noncurrent loans | 267.8363% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 4,640 |
| Noncurrent loans to loans | 0.3840% | 5,534 |
| Net loans and leases to total assets | 80.7184% | 404 |
| Net loans and leases to deposits | 90.1465% | 1,061 |
| Net loans and leases to core deposits | 91.6100% | 1,666 |
| Total domestic deposits to total assets | 89.5414% | 1,224 |
| Equity capital to assets | 9.0904% | 5,416 |
| Core capital (leverage) ratio | 9.2290% | 4,529 |
| Tier 1 risk-based capital ratio | 11.9622% | 5,815 |
| Total risk-based capital ratio | 13.0661% | 5,866 |
| Memoranda: | ||
| Average total assets | $51,555,800 | 6,162 |
| Average earning assets | $48,625,800 | 6,098 |
| Average equity | $4,745,800 | 6,369 |
| Average total loans | $43,957,800 | 5,331 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3668% | 162 |
| Cost of funding earning assets | 1.1543% | 849 |
| Net interest margin | 5.2125% | 288 |
| Noninterest income to average assets | 0.2887% | 5,475 |
| Noninterest expense to average assets | 2.4122% | 5,360 |
| Loan and lease loss provision to assets | 0.6037% | 915 |
| Net operating income to assets | 1.7639% | 619 |
| Return on assets (ROA) | 1.7639% | 683 |
| Pretax return on assets | 2.2154% | 467 |
| Return on Equity (ROE) | 19.0979% | 388 |
| Retained earnings to average equity (ytd only) | 16.9664% | 151 |
| Net charge-offs to loans | 0.8307% | 1,320 |
| Credit loss provision to net charge-offs | 84.2491% | 3,492 |
| Earnings coverage of net charge-offs (x) | 3.9341% | 3,448 |
| Efficiency ratio | 46.1114% | 6,813 |
| Assets per employee ($millions) | 7.7821% | 520 |
| Cash dividends to net income (ytd only)* | 11.1610% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 6,082 |
| Loan loss allowance to noncurrent loans | 83.9060% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 4,252 |
| Noncurrent loans to loans | 1.1918% | 4,068 |
| Net loans and leases to total assets | 84.3231% | 207 |
| Net loans and leases to deposits | 96.1547% | 650 |
| Net loans and leases to core deposits | 96.6625% | 1,356 |
| Total domestic deposits to total assets | 87.6953% | 2,230 |
| Equity capital to assets | 9.1840% | 5,613 |
| Core capital (leverage) ratio | 9.5379% | 4,213 |
| Tier 1 risk-based capital ratio | 11.7765% | 6,069 |
| Total risk-based capital ratio | 12.8687% | 6,130 |
| Memoranda: | ||
| Average total assets | $50,795,750 | 6,261 |
| Average earning assets | $48,165,000 | 6,191 |
| Average equity | $4,691,500 | 6,460 |
| Average total loans | $43,815,500 | 5,397 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3623% | 172 |
| Cost of funding earning assets | 1.1796% | 896 |
| Net interest margin | 5.1827% | 300 |
| Noninterest income to average assets | 0.2623% | 5,705 |
| Noninterest expense to average assets | 2.5379% | 5,006 |
| Loan and lease loss provision to assets | 0.6859% | 814 |
| Net operating income to assets | 1.4969% | 995 |
| Return on assets (ROA) | 1.4969% | 1,114 |
| Pretax return on assets | 1.9488% | 763 |
| Return on Equity (ROE) | 16.1738% | 746 |
| Retained earnings to average equity (ytd only) | 16.1738% | 216 |
| Net charge-offs to loans | 0.7636% | 1,442 |
| Credit loss provision to net charge-offs | 103.6585% | 2,628 |
| Earnings coverage of net charge-offs (x) | 3.9817% | 3,209 |
| Efficiency ratio | 49.0640% | 6,706 |
| Assets per employee ($millions) | 7.2669% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 5,517 |
| Loan loss allowance to noncurrent loans | 5,130.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 6,783 |
| Noncurrent loans to loans | 0.0227% | 6,635 |
| Net loans and leases to total assets | 85.7278% | 150 |
| Net loans and leases to deposits | 98.6450% | 491 |
| Net loans and leases to core deposits | 99.2083% | 1,155 |
| Total domestic deposits to total assets | 86.9053% | 2,829 |
| Equity capital to assets | 9.3910% | 5,202 |
| Core capital (leverage) ratio | 9.6171% | 3,967 |
| Tier 1 risk-based capital ratio | 12.0149% | 5,921 |
| Total risk-based capital ratio | 13.2901% | 5,882 |
| Memoranda: | ||
| Average total assets | $49,569,330 | 6,330 |
| Average earning assets | $46,964,000 | 6,261 |
| Average equity | $4,587,670 | 6,517 |
| Average total loans | $42,954,330 | 5,473 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3821% | 185 |
| Cost of funding earning assets | 1.2123% | 931 |
| Net interest margin | 5.1698% | 309 |
| Noninterest income to average assets | 0.2535% | 5,825 |
| Noninterest expense to average assets | 2.2976% | 5,775 |
| Loan and lease loss provision to assets | 0.9812% | 431 |
| Net operating income to assets | 1.4309% | 1,165 |
| Return on assets (ROA) | 1.4309% | 1,308 |
| Pretax return on assets | 1.8561% | 961 |
| Return on Equity (ROE) | 15.5798% | 872 |
| Retained earnings to average equity (ytd only) | 15.5798% | 400 |
| Net charge-offs to loans | 0.9252% | 1,113 |
| Credit loss provision to net charge-offs | 122.4490% | 1,949 |
| Earnings coverage of net charge-offs (x) | 3.5408% | 2,804 |
| Efficiency ratio | 44.7452% | 6,961 |
| Assets per employee ($millions) | 6.9406% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 5,165 |
| Loan loss allowance to noncurrent loans | 2,404.5455% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 6,793 |
| Noncurrent loans to loans | 0.0528% | 6,622 |
| Net loans and leases to total assets | 84.6884% | 166 |
| Net loans and leases to deposits | 94.8675% | 610 |
| Net loans and leases to core deposits | 94.8675% | 1,383 |
| Total domestic deposits to total assets | 89.2701% | 1,502 |
| Equity capital to assets | 9.4270% | 4,909 |
| Core capital (leverage) ratio | 9.4480% | 4,121 |
| Tier 1 risk-based capital ratio | 12.1964% | 5,823 |
| Total risk-based capital ratio | 13.4746% | 5,782 |
| Memoranda: | ||
| Average total assets | $48,920,000 | 6,398 |
| Average earning assets | $46,191,500 | 6,323 |
| Average equity | $4,493,000 | 6,582 |
| Average total loans | $42,371,000 | 5,538 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7219% | 141 |
| Cost of funding earning assets | 1.4430% | 871 |
| Net interest margin | 5.2789% | 250 |
| Noninterest income to average assets | 0.3100% | 5,329 |
| Noninterest expense to average assets | 2.5675% | 5,212 |
| Loan and lease loss provision to assets | 0.9075% | 1,057 |
| Net operating income to assets | 1.1869% | 1,539 |
| Return on assets (ROA) | 1.1869% | 1,657 |
| Pretax return on assets | 1.8109% | 790 |
| Return on Equity (ROE) | 13.9155% | 950 |
| Retained earnings to average equity (ytd only) | 13.3177% | 204 |
| Net charge-offs to loans | 1.4515% | 1,118 |
| Credit loss provision to net charge-offs | 70.8599% | 4,815 |
| Earnings coverage of net charge-offs (x) | 2.1226% | 4,191 |
| Efficiency ratio | 48.5725% | 6,913 |
| Assets per employee ($millions) | 7.0366% | 719 |
| Cash dividends to net income (ytd only)* | 4.2955% | 3,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 5,485 |
| Loan loss allowance to noncurrent loans | 891.2281% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 6,667 |
| Noncurrent loans to loans | 0.1323% | 6,478 |
| Net loans and leases to total assets | 86.4057% | 121 |
| Net loans and leases to deposits | 96.9697% | 628 |
| Net loans and leases to core deposits | 96.9697% | 1,417 |
| Total domestic deposits to total assets | 89.1059% | 1,478 |
| Equity capital to assets | 8.9451% | 5,612 |
| Core capital (leverage) ratio | 8.9342% | 4,886 |
| Tier 1 risk-based capital ratio | 11.2969% | 6,293 |
| Total risk-based capital ratio | 12.5712% | 6,262 |
| Memoranda: | ||
| Average total assets | $49,036,600 | 6,389 |
| Average earning assets | $46,221,800 | 6,325 |
| Average equity | $4,182,400 | 6,706 |
| Average total loans | $43,266,600 | 5,546 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7568% | 139 |
| Cost of funding earning assets | 1.4877% | 907 |
| Net interest margin | 5.2691% | 256 |
| Noninterest income to average assets | 0.3267% | 5,250 |
| Noninterest expense to average assets | 2.4961% | 5,478 |
| Loan and lease loss provision to assets | 0.8847% | 1,025 |
| Net operating income to assets | 1.6169% | 753 |
| Return on assets (ROA) | 1.6169% | 822 |
| Pretax return on assets | 1.9109% | 761 |
| Return on Equity (ROE) | 19.1925% | 367 |
| Retained earnings to average equity (ytd only) | 18.3848% | 104 |
| Net charge-offs to loans | 1.4867% | 978 |
| Credit loss provision to net charge-offs | 67.2878% | 4,567 |
| Earnings coverage of net charge-offs (x) | 2.1263% | 4,071 |
| Efficiency ratio | 47.1708% | 7,005 |
| Assets per employee ($millions) | 7.1291% | 691 |
| Cash dividends to net income (ytd only)* | 4.2084% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 5,472 |
| Loan loss allowance to noncurrent loans | 121.1845% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 4,980 |
| Noncurrent loans to loans | 0.9896% | 4,909 |
| Net loans and leases to total assets | 87.8266% | 83 |
| Net loans and leases to deposits | 98.3286% | 560 |
| Net loans and leases to core deposits | 98.3286% | 1,401 |
| Total domestic deposits to total assets | 89.3195% | 1,240 |
| Equity capital to assets | 8.8530% | 5,914 |
| Core capital (leverage) ratio | 8.8670% | 5,163 |
| Tier 1 risk-based capital ratio | 11.0331% | 6,521 |
| Total risk-based capital ratio | 12.3068% | 6,494 |
| Memoranda: | ||
| Average total assets | $48,981,750 | 6,452 |
| Average earning assets | $46,154,500 | 6,378 |
| Average equity | $4,126,500 | 6,772 |
| Average total loans | $43,316,250 | 5,591 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7617% | 147 |
| Cost of funding earning assets | 1.5342% | 879 |
| Net interest margin | 5.2275% | 267 |
| Noninterest income to average assets | 0.3246% | 5,296 |
| Noninterest expense to average assets | 2.6051% | 5,161 |
| Loan and lease loss provision to assets | 0.8423% | 1,073 |
| Net operating income to assets | 1.4957% | 899 |
| Return on assets (ROA) | 1.4957% | 958 |
| Pretax return on assets | 1.7915% | 896 |
| Return on Equity (ROE) | 18.0675% | 461 |
| Retained earnings to average equity (ytd only) | 18.0675% | 138 |
| Net charge-offs to loans | 1.4429% | 1,042 |
| Credit loss provision to net charge-offs | 66.1290% | 4,172 |
| Earnings coverage of net charge-offs (x) | 2.0677% | 3,821 |
| Efficiency ratio | 49.7255% | 6,958 |
| Assets per employee ($millions) | 7.0790% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 4,862 |
| Loan loss allowance to noncurrent loans | 132.3529% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.8920% | 5,090 |
| Noncurrent loans to loans | 1.0151% | 4,964 |
| Net loans and leases to total assets | 86.6870% | 116 |
| Net loans and leases to deposits | 97.1547% | 642 |
| Net loans and leases to core deposits | 97.1547% | 1,567 |
| Total domestic deposits to total assets | 89.2257% | 1,402 |
| Equity capital to assets | 8.5020% | 6,181 |
| Core capital (leverage) ratio | 8.7399% | 5,156 |
| Tier 1 risk-based capital ratio | 10.5547% | 6,772 |
| Total risk-based capital ratio | 11.8073% | 6,764 |
| Memoranda: | ||
| Average total assets | $48,674,330 | 6,523 |
| Average earning assets | $45,757,670 | 6,446 |
| Average equity | $4,029,330 | 6,841 |
| Average total loans | $42,968,000 | 5,664 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9233% | 122 |
| Cost of funding earning assets | 1.6072% | 797 |
| Net interest margin | 5.3161% | 220 |
| Noninterest income to average assets | 0.3068% | 5,474 |
| Noninterest expense to average assets | 2.7034% | 4,822 |
| Loan and lease loss provision to assets | 0.8293% | 1,004 |
| Net operating income to assets | 1.4678% | 940 |
| Return on assets (ROA) | 1.4678% | 980 |
| Pretax return on assets | 1.7664% | 869 |
| Return on Equity (ROE) | 17.9810% | 485 |
| Retained earnings to average equity (ytd only) | 17.9810% | 242 |
| Net charge-offs to loans | 1.2746% | 1,085 |
| Credit loss provision to net charge-offs | 73.5294% | 3,290 |
| Earnings coverage of net charge-offs (x) | 2.3015% | 3,159 |
| Efficiency ratio | 51.0172% | 6,919 |
| Assets per employee ($millions) | 6.8877% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 4,081 |
| Loan loss allowance to noncurrent loans | 45.2595% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 2.9971% | 2,303 |
| Noncurrent loans to loans | 3.3706% | 2,221 |
| Net loans and leases to total assets | 87.5617% | 90 |
| Net loans and leases to deposits | 97.7472% | 586 |
| Net loans and leases to core deposits | 97.7472% | 1,549 |
| Total domestic deposits to total assets | 89.5798% | 1,441 |
| Equity capital to assets | 8.3503% | 6,105 |
| Core capital (leverage) ratio | 8.3311% | 5,747 |
| Tier 1 risk-based capital ratio | 10.2422% | 6,914 |
| Total risk-based capital ratio | 11.5218% | 6,897 |
| Memoranda: | ||
| Average total assets | $48,235,000 | 6,580 |
| Average earning assets | $45,296,500 | 6,515 |
| Average equity | $3,937,500 | 6,900 |
| Average total loans | $42,681,500 | 5,717 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8778% | 171 |
| Cost of funding earning assets | 2.0276% | 548 |
| Net interest margin | 4.8502% | 606 |
| Noninterest income to average assets | 0.3691% | 5,149 |
| Noninterest expense to average assets | 2.6773% | 5,092 |
| Loan and lease loss provision to assets | 1.5427% | 952 |
| Net operating income to assets | 0.4413% | 4,353 |
| Return on assets (ROA) | 0.4413% | 4,514 |
| Pretax return on assets | 0.6757% | 4,065 |
| Return on Equity (ROE) | 6.0039% | 3,607 |
| Retained earnings to average equity (ytd only) | 6.0039% | 1,812 |
| Net charge-offs to loans | 1.2651% | 1,779 |
| Credit loss provision to net charge-offs | 144.6886% | 2,563 |
| Earnings coverage of net charge-offs (x) | 2.0806% | 4,164 |
| Efficiency ratio | 54.6869% | 6,746 |
| Assets per employee ($millions) | 6.8937% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 3,491 |
| Loan loss allowance to noncurrent loans | 718.7500% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 6,234 |
| Noncurrent loans to loans | 0.2259% | 6,610 |
| Net loans and leases to total assets | 86.6255% | 152 |
| Net loans and leases to deposits | 97.4701% | 754 |
| Net loans and leases to core deposits | 97.6956% | 1,823 |
| Total domestic deposits to total assets | 88.8739% | 1,728 |
| Equity capital to assets | 7.9762% | 6,518 |
| Core capital (leverage) ratio | 7.8197% | 6,413 |
| Tier 1 risk-based capital ratio | 9.5573% | 7,123 |
| Total risk-based capital ratio | 10.8360% | 7,123 |
| Memoranda: | ||
| Average total assets | $51,207,800 | 6,490 |
| Average earning assets | $47,791,600 | 6,443 |
| Average equity | $3,764,200 | 7,068 |
| Average total loans | $43,158,000 | 5,782 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8241% | 192 |
| Cost of funding earning assets | 2.0940% | 545 |
| Net interest margin | 4.7301% | 786 |
| Noninterest income to average assets | 0.3850% | 5,076 |
| Noninterest expense to average assets | 2.4872% | 5,757 |
| Loan and lease loss provision to assets | 1.6427% | 783 |
| Net operating income to assets | 0.5287% | 4,187 |
| Return on assets (ROA) | 0.5287% | 4,363 |
| Pretax return on assets | 0.6674% | 4,361 |
| Return on Equity (ROE) | 7.3380% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.3380% | 1,678 |
| Net charge-offs to loans | 0.8463% | 2,334 |
| Credit loss provision to net charge-offs | 232.7273% | 1,469 |
| Earnings coverage of net charge-offs (x) | 3.2727% | 3,512 |
| Efficiency ratio | 51.8459% | 6,995 |
| Assets per employee ($millions) | 8.4225% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 2,722 |
| Loan loss allowance to noncurrent loans | 605.2239% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 6,129 |
| Noncurrent loans to loans | 0.3007% | 6,587 |
| Net loans and leases to total assets | 86.5796% | 160 |
| Net loans and leases to deposits | 95.3121% | 1,066 |
| Net loans and leases to core deposits | 95.5181% | 2,318 |
| Total domestic deposits to total assets | 90.8380% | 504 |
| Equity capital to assets | 7.5789% | 7,076 |
| Core capital (leverage) ratio | 7.5765% | 6,784 |
| Tier 1 risk-based capital ratio | 9.2416% | 7,316 |
| Total risk-based capital ratio | 10.5229% | 7,320 |
| Memoranda: | ||
| Average total assets | $51,945,750 | 6,545 |
| Average earning assets | $48,454,750 | 6,488 |
| Average equity | $3,743,000 | 7,165 |
| Average total loans | $43,324,500 | 5,857 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7473% | 223 |
| Cost of funding earning assets | 2.1698% | 511 |
| Net interest margin | 4.5775% | 1,048 |
| Noninterest income to average assets | 0.3739% | 5,140 |
| Noninterest expense to average assets | 2.4802% | 5,793 |
| Loan and lease loss provision to assets | 1.8697% | 665 |
| Net operating income to assets | 0.2137% | 5,517 |
| Return on assets (ROA) | 0.2137% | 5,646 |
| Pretax return on assets | 0.2824% | 5,556 |
| Return on Equity (ROE) | 3.0156% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.0156% | 4,197 |
| Net charge-offs to loans | 0.3356% | 3,656 |
| Credit loss provision to net charge-offs | 680.5556% | 548 |
| Earnings coverage of net charge-offs (x) | 7.8333% | 2,227 |
| Efficiency ratio | 53.5420% | 6,929 |
| Assets per employee ($millions) | 6.6325% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9502% | 2,304 |
| Loan loss allowance to noncurrent loans | 142.5743% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 1.3852% | 4,404 |
| Noncurrent loans to loans | 1.3679% | 4,656 |
| Net loans and leases to total assets | 81.8677% | 546 |
| Net loans and leases to deposits | 89.8131% | 1,891 |
| Net loans and leases to core deposits | 90.1823% | 3,227 |
| Total domestic deposits to total assets | 91.1534% | 430 |
| Equity capital to assets | 6.9337% | 7,371 |
| Core capital (leverage) ratio | 6.9449% | 7,222 |
| Tier 1 risk-based capital ratio | 8.6785% | 7,463 |
| Total risk-based capital ratio | 9.9594% | 7,474 |
| Memoranda: | ||
| Average total assets | $52,416,000 | 6,565 |
| Average earning assets | $48,760,000 | 6,516 |
| Average equity | $3,714,000 | 7,210 |
| Average total loans | $42,911,330 | 5,908 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8756% | 202 |
| Cost of funding earning assets | 2.2370% | 528 |
| Net interest margin | 4.6385% | 895 |
| Noninterest income to average assets | 0.3609% | 5,253 |
| Noninterest expense to average assets | 2.2575% | 6,518 |
| Loan and lease loss provision to assets | 0.4991% | 2,504 |
| Net operating income to assets | 1.6585% | 673 |
| Return on assets (ROA) | 1.6585% | 721 |
| Pretax return on assets | 1.9350% | 686 |
| Return on Equity (ROE) | 23.1542% | 222 |
| Retained earnings to average equity (ytd only) | 23.1542% | 131 |
| Net charge-offs to loans | -0.2085% | 7,681 |
| Credit loss provision to net charge-offs | -295.4545% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1178% | 7,431 |
| Assets per employee ($millions) | 6.5280% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 5,287 |
| Loan loss allowance to noncurrent loans | 200.3759% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7564% | 5,638 |
| Noncurrent loans to loans | 0.6182% | 6,074 |
| Net loans and leases to total assets | 81.3649% | 663 |
| Net loans and leases to deposits | 89.2295% | 2,029 |
| Net loans and leases to core deposits | 89.6021% | 3,417 |
| Total domestic deposits to total assets | 91.1860% | 471 |
| Equity capital to assets | 7.3529% | 7,180 |
| Core capital (leverage) ratio | 7.4246% | 6,915 |
| Tier 1 risk-based capital ratio | 9.2060% | 7,425 |
| Total risk-based capital ratio | 10.4742% | 7,417 |
| Memoranda: | ||
| Average total assets | $52,094,000 | 6,664 |
| Average earning assets | $48,636,000 | 6,604 |
| Average equity | $3,731,500 | 7,276 |
| Average total loans | $42,215,500 | 6,016 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8117% | 373 |
| Cost of funding earning assets | 2.9223% | 286 |
| Net interest margin | 3.8894% | 3,312 |
| Noninterest income to average assets | 0.3951% | 5,242 |
| Noninterest expense to average assets | 2.3568% | 6,582 |
| Loan and lease loss provision to assets | 1.2985% | 1,777 |
| Net operating income to assets | 0.2939% | 4,558 |
| Return on assets (ROA) | 0.2939% | 4,636 |
| Pretax return on assets | 0.4130% | 4,458 |
| Return on Equity (ROE) | 4.0466% | 4,074 |
| Retained earnings to average equity (ytd only) | 3.3630% | 2,816 |
| Net charge-offs to loans | 1.4775% | 1,693 |
| Credit loss provision to net charge-offs | 109.7315% | 5,017 |
| Earnings coverage of net charge-offs (x) | 1.4463% | 4,682 |
| Efficiency ratio | 57.9307% | 6,773 |
| Assets per employee ($millions) | 6.4955% | 991 |
| Cash dividends to net income (ytd only)* | 16.8919% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 6,009 |
| Loan loss allowance to noncurrent loans | 179.1165% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7274% | 5,656 |
| Noncurrent loans to loans | 0.6014% | 6,037 |
| Net loans and leases to total assets | 78.8238% | 1,220 |
| Net loans and leases to deposits | 85.9962% | 2,913 |
| Net loans and leases to core deposits | 89.7990% | 5,151 |
| Total domestic deposits to total assets | 91.6596% | 338 |
| Equity capital to assets | 6.9721% | 7,381 |
| Core capital (leverage) ratio | 6.9146% | 7,302 |
| Tier 1 risk-based capital ratio | 8.9461% | 7,489 |
| Total risk-based capital ratio | 10.0474% | 7,566 |
| Memoranda: | ||
| Average total assets | $50,365,800 | 6,691 |
| Average earning assets | $47,565,400 | 6,615 |
| Average equity | $3,657,400 | 7,402 |
| Average total loans | $40,338,400 | 6,087 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8304% | 394 |
| Cost of funding earning assets | 3.0045% | 330 |
| Net interest margin | 3.8260% | 3,549 |
| Noninterest income to average assets | 0.4056% | 5,236 |
| Noninterest expense to average assets | 2.1401% | 7,115 |
| Loan and lease loss provision to assets | 0.8005% | 2,361 |
| Net operating income to assets | 0.8165% | 2,737 |
| Return on assets (ROA) | 0.8165% | 2,805 |
| Pretax return on assets | 1.0940% | 2,597 |
| Return on Equity (ROE) | 11.1290% | 1,586 |
| Retained earnings to average equity (ytd only) | 11.1290% | 455 |
| Net charge-offs to loans | 1.0248% | 1,926 |
| Credit loss provision to net charge-offs | 97.4026% | 5,241 |
| Earnings coverage of net charge-offs (x) | 2.3052% | 4,099 |
| Efficiency ratio | 53.0423% | 7,331 |
| Assets per employee ($millions) | 6.3939% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 6,736 |
| Loan loss allowance to noncurrent loans | 130.1370% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 6,028 |
| Noncurrent loans to loans | 0.6961% | 5,908 |
| Net loans and leases to total assets | 81.2692% | 934 |
| Net loans and leases to deposits | 89.1639% | 2,751 |
| Net loans and leases to core deposits | 93.3780% | 5,085 |
| Total domestic deposits to total assets | 91.1458% | 366 |
| Equity capital to assets | 7.4407% | 7,344 |
| Core capital (leverage) ratio | 7.5232% | 6,944 |
| Tier 1 risk-based capital ratio | 9.6736% | 7,259 |
| Total risk-based capital ratio | 10.6395% | 7,411 |
| Memoranda: | ||
| Average total assets | $49,966,250 | 6,761 |
| Average earning assets | $47,394,500 | 6,671 |
| Average equity | $3,666,000 | 7,457 |
| Average total loans | $40,071,500 | 6,153 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8436% | 416 |
| Cost of funding earning assets | 3.1366% | 315 |
| Net interest margin | 3.7069% | 3,922 |
| Noninterest income to average assets | 0.3793% | 5,473 |
| Noninterest expense to average assets | 2.0859% | 7,302 |
| Loan and lease loss provision to assets | 0.6052% | 2,631 |
| Net operating income to assets | 0.9280% | 2,351 |
| Return on assets (ROA) | 0.9280% | 2,443 |
| Pretax return on assets | 1.2023% | 2,294 |
| Return on Equity (ROE) | 12.7095% | 1,242 |
| Retained earnings to average equity (ytd only) | 12.7095% | 357 |
| Net charge-offs to loans | 0.9786% | 1,792 |
| Credit loss provision to net charge-offs | 77.7202% | 5,262 |
| Earnings coverage of net charge-offs (x) | 2.3212% | 3,906 |
| Efficiency ratio | 53.5751% | 7,376 |
| Assets per employee ($millions) | 7.1257% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 6,978 |
| Loan loss allowance to noncurrent loans | 90.0783% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 5,478 |
| Noncurrent loans to loans | 0.9449% | 5,336 |
| Net loans and leases to total assets | 80.5694% | 1,214 |
| Net loans and leases to deposits | 88.3272% | 3,123 |
| Net loans and leases to core deposits | 91.5215% | 5,394 |
| Total domestic deposits to total assets | 91.2169% | 401 |
| Equity capital to assets | 7.4800% | 7,287 |
| Core capital (leverage) ratio | 7.3887% | 7,144 |
| Tier 1 risk-based capital ratio | 9.7729% | 7,164 |
| Total risk-based capital ratio | 10.6766% | 7,417 |
| Memoranda: | ||
| Average total assets | $49,571,330 | 6,848 |
| Average earning assets | $46,993,000 | 6,750 |
| Average equity | $3,619,330 | 7,534 |
| Average total loans | $39,445,330 | 6,231 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0038% | 334 |
| Cost of funding earning assets | 3.2536% | 302 |
| Net interest margin | 3.7502% | 3,654 |
| Noninterest income to average assets | 0.3319% | 5,790 |
| Noninterest expense to average assets | 1.9831% | 7,394 |
| Loan and lease loss provision to assets | 0.6071% | 2,075 |
| Net operating income to assets | 1.0280% | 2,200 |
| Return on assets (ROA) | 1.0280% | 2,342 |
| Pretax return on assets | 1.2870% | 2,324 |
| Return on Equity (ROE) | 14.2556% | 1,115 |
| Retained earnings to average equity (ytd only) | 14.2556% | 494 |
| Net charge-offs to loans | 1.0899% | 1,246 |
| Credit loss provision to net charge-offs | 70.7547% | 4,340 |
| Earnings coverage of net charge-offs (x) | 2.2075% | 3,639 |
| Efficiency ratio | 51.1482% | 7,495 |
| Assets per employee ($millions) | 7.0941% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 6,687 |
| Loan loss allowance to noncurrent loans | 80.7692% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.8901% | 4,968 |
| Noncurrent loans to loans | 1.1292% | 4,727 |
| Net loans and leases to total assets | 78.1027% | 1,800 |
| Net loans and leases to deposits | 85.4276% | 3,729 |
| Net loans and leases to core deposits | 88.2822% | 5,708 |
| Total domestic deposits to total assets | 91.4255% | 293 |
| Equity capital to assets | 7.3038% | 7,489 |
| Core capital (leverage) ratio | 7.2340% | 7,447 |
| Tier 1 risk-based capital ratio | 9.8562% | 7,078 |
| Total risk-based capital ratio | 10.8264% | 7,296 |
| Memoranda: | ||
| Average total assets | $49,417,000 | 6,893 |
| Average earning assets | $46,717,500 | 6,809 |
| Average equity | $3,563,500 | 7,601 |
| Average total loans | $38,901,500 | 6,280 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4833% | 425 |
| Cost of funding earning assets | 3.6463% | 320 |
| Net interest margin | 3.8370% | 3,855 |
| Noninterest income to average assets | 0.3942% | 5,518 |
| Noninterest expense to average assets | 2.2332% | 6,885 |
| Loan and lease loss provision to assets | 0.7863% | 1,896 |
| Net operating income to assets | 0.6458% | 4,124 |
| Return on assets (ROA) | 0.6458% | 3,975 |
| Pretax return on assets | 1.0023% | 3,377 |
| Return on Equity (ROE) | 8.8516% | 2,692 |
| Retained earnings to average equity (ytd only) | 6.9261% | 1,178 |
| Net charge-offs to loans | 0.7196% | 1,716 |
| Credit loss provision to net charge-offs | 141.5094% | 3,749 |
| Earnings coverage of net charge-offs (x) | 3.2189% | 4,477 |
| Efficiency ratio | 55.5266% | 7,086 |
| Assets per employee ($millions) | 7.0250% | 703 |
| Cash dividends to net income (ytd only)* | 21.7532% | 4,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 6,018 |
| Loan loss allowance to noncurrent loans | 64.6667% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 1.2201% | 3,796 |
| Noncurrent loans to loans | 1.5520% | 3,464 |
| Net loans and leases to total assets | 77.8302% | 2,186 |
| Net loans and leases to deposits | 85.6353% | 4,168 |
| Net loans and leases to core deposits | 87.9152% | 5,985 |
| Total domestic deposits to total assets | 90.8856% | 359 |
| Equity capital to assets | 7.1174% | 7,673 |
| Core capital (leverage) ratio | 7.1405% | 7,579 |
| Tier 1 risk-based capital ratio | 9.7222% | 7,057 |
| Total risk-based capital ratio | 10.8000% | 7,169 |
| Memoranda: | ||
| Average total assets | $47,689,400 | 6,873 |
| Average earning assets | $45,086,800 | 6,808 |
| Average equity | $3,479,600 | 7,690 |
| Average total loans | $36,824,600 | 6,325 |