Home > Farmers and Merchants State Bank of Sacred Heart > Performance and Condition Ratios
Farmers and Merchants State Bank of Sacred Heart, Performance and Condition Ratios
| 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 | 4.0003% | 4,375 |
| Cost of funding earning assets | 0.5455% | 3,904 |
| Net interest margin | 3.4548% | 3,730 |
| Noninterest income to average assets | 0.1628% | 4,776 |
| Noninterest expense to average assets | 2.4349% | 3,641 |
| Loan and lease loss provision to assets | 0.0233% | 3,340 |
| Net operating income to assets | 0.9305% | 3,164 |
| Return on assets (ROA) | 0.9305% | 3,229 |
| Pretax return on assets | 0.9461% | 3,721 |
| Return on Equity (ROE) | 8.4093% | 3,111 |
| Retained earnings to average equity (ytd only) | 8.4093% | 1,239 |
| 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 | 71.5262% | 1,986 |
| Assets per employee ($millions) | 4.3872% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 1,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 51.2404% | 4,401 |
| Net loans and leases to deposits | 57.7843% | 4,528 |
| Net loans and leases to core deposits | 59.6128% | 4,587 |
| Total domestic deposits to total assets | 88.6753% | 793 |
| Equity capital to assets | 11.2601% | 2,807 |
| Core capital (leverage) ratio | 11.0882% | 2,514 |
| Tier 1 risk-based capital ratio | 19.6883% | 1,407 |
| Total risk-based capital ratio | 20.9338% | 1,379 |
| Memoranda: | ||
| Average total assets | $25,791,330 | 5,191 |
| Average earning assets | $24,198,330 | 5,173 |
| Average equity | $2,854,000 | 5,198 |
| Average total loans | $13,730,670 | 5,112 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 4,305 |
| Cost of funding earning assets | 0.6121% | 3,500 |
| Net interest margin | 3.4176% | 3,841 |
| Noninterest income to average assets | 0.2194% | 4,439 |
| Noninterest expense to average assets | 2.5543% | 3,356 |
| Loan and lease loss provision to assets | 0.0313% | 2,997 |
| Net operating income to assets | 0.7679% | 3,720 |
| Return on assets (ROA) | 0.7679% | 3,764 |
| Pretax return on assets | 0.7835% | 4,084 |
| Return on Equity (ROE) | 7.0025% | 3,683 |
| Retained earnings to average equity (ytd only) | 7.0025% | 2,041 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8140% | 1,516 |
| Assets per employee ($millions) | 4.2932% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 1,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 52.3468% | 4,315 |
| Net loans and leases to deposits | 58.9800% | 4,462 |
| Net loans and leases to core deposits | 65.3390% | 4,308 |
| Total domestic deposits to total assets | 88.7534% | 980 |
| Equity capital to assets | 11.0990% | 2,745 |
| Core capital (leverage) ratio | 10.9024% | 2,665 |
| Tier 1 risk-based capital ratio | 18.7374% | 1,602 |
| Total risk-based capital ratio | 19.9844% | 1,565 |
| Memoranda: | ||
| Average total assets | $25,525,500 | 5,248 |
| Average earning assets | $23,525,500 | 5,234 |
| Average equity | $2,799,000 | 5,255 |
| Average total loans | $13,753,500 | 5,171 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8051% | 4,478 |
| Cost of funding earning assets | 0.3748% | 4,131 |
| Net interest margin | 3.4303% | 3,908 |
| Noninterest income to average assets | 0.1716% | 4,870 |
| Noninterest expense to average assets | 2.8281% | 2,587 |
| Loan and lease loss provision to assets | 0.0695% | 2,750 |
| Net operating income to assets | 0.4700% | 4,727 |
| Return on assets (ROA) | 0.4700% | 4,727 |
| Pretax return on assets | 0.4904% | 4,810 |
| Return on Equity (ROE) | 4.2930% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.2930% | 3,183 |
| Net charge-offs to loans | -0.0074% | 4,425 |
| Credit loss provision to net charge-offs | -1,700.0000% | 4,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4741% | 685 |
| Assets per employee ($millions) | 4.2153% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 1,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 53.9064% | 4,285 |
| Net loans and leases to deposits | 60.5444% | 4,453 |
| Net loans and leases to core deposits | 67.1427% | 4,293 |
| Total domestic deposits to total assets | 89.0361% | 842 |
| Equity capital to assets | 10.8295% | 2,864 |
| Core capital (leverage) ratio | 11.3631% | 2,211 |
| Tier 1 risk-based capital ratio | 18.4359% | 1,631 |
| Total risk-based capital ratio | 19.6841% | 1,589 |
| Memoranda: | ||
| Average total assets | $24,468,400 | 5,303 |
| Average earning assets | $22,942,600 | 5,286 |
| Average equity | $2,678,800 | 5,308 |
| Average total loans | $13,436,800 | 5,222 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7121% | 4,625 |
| Cost of funding earning assets | 0.3175% | 4,395 |
| Net interest margin | 3.3946% | 4,021 |
| Noninterest income to average assets | 0.1813% | 4,875 |
| Noninterest expense to average assets | 2.7092% | 2,948 |
| Loan and lease loss provision to assets | 0.0824% | 2,305 |
| Net operating income to assets | 0.5990% | 4,504 |
| Return on assets (ROA) | 0.5990% | 4,512 |
| Pretax return on assets | 0.6210% | 4,696 |
| Return on Equity (ROE) | 5.4558% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.4558% | 2,987 |
| Net charge-offs to loans | -0.0100% | 4,397 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3881% | 1,000 |
| Assets per employee ($millions) | 3.8665% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 2,047 |
| 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 | 62.2527% | 3,628 |
| Net loans and leases to deposits | 70.5831% | 3,873 |
| Net loans and leases to core deposits | 73.1241% | 4,002 |
| Total domestic deposits to total assets | 88.1978% | 1,153 |
| Equity capital to assets | 11.5781% | 2,204 |
| Core capital (leverage) ratio | 11.5691% | 2,118 |
| Tier 1 risk-based capital ratio | 18.7301% | 1,607 |
| Total risk-based capital ratio | 19.9748% | 1,574 |
| Memoranda: | ||
| Average total assets | $24,262,500 | 5,374 |
| Average earning assets | $23,095,250 | 5,355 |
| Average equity | $2,663,750 | 5,377 |
| Average total loans | $13,339,000 | 5,291 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5229% | 4,891 |
| Cost of funding earning assets | 0.2907% | 4,487 |
| Net interest margin | 3.2322% | 4,429 |
| Noninterest income to average assets | 0.1706% | 4,971 |
| Noninterest expense to average assets | 2.6811% | 3,077 |
| Loan and lease loss provision to assets | 0.0244% | 3,432 |
| Net operating income to assets | 0.5200% | 4,704 |
| Return on assets (ROA) | 0.5200% | 4,707 |
| Pretax return on assets | 0.5362% | 4,842 |
| Return on Equity (ROE) | 4.8187% | 4,602 |
| Retained earnings to average equity (ytd only) | 4.8187% | 3,169 |
| Net charge-offs to loans | -0.0155% | 4,472 |
| Credit loss provision to net charge-offs | -300.0000% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7068% | 789 |
| Assets per employee ($millions) | 4.0038% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 2,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 4,474 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 55.9048% | 4,172 |
| Net loans and leases to deposits | 62.9895% | 4,354 |
| Net loans and leases to core deposits | 65.1594% | 4,417 |
| Total domestic deposits to total assets | 88.7524% | 1,038 |
| Equity capital to assets | 11.0852% | 2,555 |
| Core capital (leverage) ratio | 11.1445% | 2,396 |
| Tier 1 risk-based capital ratio | 18.8011% | 1,602 |
| Total risk-based capital ratio | 20.0162% | 1,566 |
| Memoranda: | ||
| Average total assets | $24,617,000 | 5,433 |
| Average earning assets | $23,389,670 | 5,413 |
| Average equity | $2,656,330 | 5,439 |
| Average total loans | $12,907,330 | 5,363 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3297% | 5,099 |
| Cost of funding earning assets | 0.3058% | 4,312 |
| Net interest margin | 3.0239% | 4,844 |
| Noninterest income to average assets | 0.1766% | 4,969 |
| Noninterest expense to average assets | 2.7133% | 3,002 |
| Loan and lease loss provision to assets | 0.0321% | 3,077 |
| Net operating income to assets | 0.2729% | 5,131 |
| Return on assets (ROA) | 0.2729% | 5,132 |
| Pretax return on assets | 0.2890% | 5,178 |
| Return on Equity (ROE) | 2.5631% | 5,100 |
| Retained earnings to average equity (ytd only) | 2.5631% | 4,150 |
| Net charge-offs to loans | -0.3504% | 5,467 |
| Credit loss provision to net charge-offs | -18.1818% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4180% | 473 |
| Assets per employee ($millions) | 4.0992% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 1,247 |
| Loan loss allowance to noncurrent loans | 410.8696% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 4,152 |
| Noncurrent loans to loans | 0.3804% | 3,419 |
| Net loans and leases to total assets | 48.3960% | 4,668 |
| Net loans and leases to deposits | 54.2896% | 4,781 |
| Net loans and leases to core deposits | 59.4853% | 4,682 |
| Total domestic deposits to total assets | 89.1441% | 1,028 |
| Equity capital to assets | 10.6851% | 2,882 |
| Core capital (leverage) ratio | 10.8646% | 2,573 |
| Tier 1 risk-based capital ratio | 21.0276% | 1,202 |
| Total risk-based capital ratio | 22.2794% | 1,179 |
| Memoranda: | ||
| Average total assets | $24,914,000 | 5,491 |
| Average earning assets | $23,545,500 | 5,473 |
| Average equity | $2,653,000 | 5,498 |
| Average total loans | $12,556,000 | 5,431 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1357% | 5,251 |
| Cost of funding earning assets | 0.2326% | 4,709 |
| Net interest margin | 2.9032% | 5,040 |
| Noninterest income to average assets | 0.1897% | 5,006 |
| Noninterest expense to average assets | 2.5673% | 3,553 |
| Loan and lease loss provision to assets | 0.0232% | 3,832 |
| Net operating income to assets | 0.2865% | 4,952 |
| Return on assets (ROA) | 0.2865% | 4,968 |
| Pretax return on assets | 0.3059% | 5,205 |
| Return on Equity (ROE) | 2.7765% | 4,895 |
| Retained earnings to average equity (ytd only) | 2.7765% | 3,647 |
| Net charge-offs to loans | 0.1002% | 2,073 |
| Credit loss provision to net charge-offs | 50.0000% | 3,332 |
| Earnings coverage of net charge-offs (x) | 7.0833% | 3,092 |
| Efficiency ratio | 88.6364% | 494 |
| Assets per employee ($millions) | 4.2055% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 1,960 |
| Loan loss allowance to noncurrent loans | 374.4681% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 4,200 |
| Noncurrent loans to loans | 0.3610% | 3,477 |
| Net loans and leases to total assets | 50.9016% | 4,598 |
| Net loans and leases to deposits | 57.0262% | 4,745 |
| Net loans and leases to core deposits | 62.3102% | 4,642 |
| Total domestic deposits to total assets | 89.2601% | 887 |
| Equity capital to assets | 10.6131% | 3,036 |
| Core capital (leverage) ratio | 10.8853% | 2,438 |
| Tier 1 risk-based capital ratio | 17.3202% | 1,990 |
| Total risk-based capital ratio | 18.4405% | 1,986 |
| Memoranda: | ||
| Average total assets | $25,824,600 | 5,537 |
| Average earning assets | $24,077,200 | 5,521 |
| Average equity | $2,665,200 | 5,556 |
| Average total loans | $11,978,000 | 5,506 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1043% | 5,329 |
| Cost of funding earning assets | 0.2099% | 4,883 |
| Net interest margin | 2.8944% | 5,092 |
| Noninterest income to average assets | 0.1848% | 5,095 |
| Noninterest expense to average assets | 2.5360% | 3,607 |
| Loan and lease loss provision to assets | 0.0257% | 3,621 |
| Net operating income to assets | 0.2926% | 5,227 |
| Return on assets (ROA) | 0.2926% | 5,252 |
| Pretax return on assets | 0.3131% | 5,298 |
| Return on Equity (ROE) | 2.8550% | 5,145 |
| Retained earnings to average equity (ytd only) | 2.8550% | 4,205 |
| Net charge-offs to loans | 0.0114% | 3,325 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 66.1654% | 936 |
| Efficiency ratio | 88.2143% | 501 |
| Assets per employee ($millions) | 4.0252% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 1,483 |
| Loan loss allowance to noncurrent loans | 379.5918% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 4,278 |
| Noncurrent loans to loans | 0.3989% | 3,522 |
| Net loans and leases to total assets | 50.0890% | 4,694 |
| Net loans and leases to deposits | 56.5598% | 4,839 |
| Net loans and leases to core deposits | 62.1187% | 4,704 |
| Total domestic deposits to total assets | 88.5595% | 1,095 |
| Equity capital to assets | 11.2832% | 2,586 |
| Core capital (leverage) ratio | 10.1900% | 3,324 |
| Tier 1 risk-based capital ratio | 18.6955% | 1,680 |
| Total risk-based capital ratio | 19.9405% | 1,627 |
| Memoranda: | ||
| Average total assets | $25,972,500 | 5,599 |
| Average earning assets | $24,138,000 | 5,584 |
| Average equity | $2,662,000 | 5,617 |
| Average total loans | $11,717,500 | 5,567 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9926% | 5,446 |
| Cost of funding earning assets | 0.1957% | 5,026 |
| Net interest margin | 2.7969% | 5,250 |
| Noninterest income to average assets | 0.1956% | 5,070 |
| Noninterest expense to average assets | 2.4981% | 3,759 |
| Loan and lease loss provision to assets | 0.0226% | 3,537 |
| Net operating income to assets | 0.2408% | 5,335 |
| Return on assets (ROA) | 0.2408% | 5,354 |
| Pretax return on assets | 0.2558% | 5,386 |
| Return on Equity (ROE) | 2.4233% | 5,251 |
| Retained earnings to average equity (ytd only) | 2.4233% | 4,231 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9729% | 457 |
| Assets per employee ($millions) | 4.3267% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 1,447 |
| Loan loss allowance to noncurrent loans | 362.7451% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 4,389 |
| Noncurrent loans to loans | 0.4236% | 3,502 |
| Net loans and leases to total assets | 45.6664% | 4,960 |
| Net loans and leases to deposits | 51.0441% | 5,102 |
| Net loans and leases to core deposits | 55.6181% | 5,016 |
| Total domestic deposits to total assets | 89.4646% | 737 |
| Equity capital to assets | 10.4160% | 3,444 |
| Core capital (leverage) ratio | 9.8279% | 3,743 |
| Tier 1 risk-based capital ratio | 18.7618% | 1,647 |
| Total risk-based capital ratio | 20.0084% | 1,610 |
| Memoranda: | ||
| Average total assets | $26,579,670 | 5,638 |
| Average earning assets | $24,527,330 | 5,628 |
| Average equity | $2,641,000 | 5,666 |
| Average total loans | $11,529,000 | 5,617 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9502% | 5,506 |
| Cost of funding earning assets | 0.1639% | 5,281 |
| Net interest margin | 2.7863% | 5,273 |
| Noninterest income to average assets | 0.2231% | 4,937 |
| Noninterest expense to average assets | 2.5437% | 3,677 |
| Loan and lease loss provision to assets | 0.0298% | 3,180 |
| Net operating income to assets | 0.1636% | 5,443 |
| Return on assets (ROA) | 0.1636% | 5,456 |
| Pretax return on assets | 0.1785% | 5,457 |
| Return on Equity (ROE) | 1.6861% | 5,385 |
| Retained earnings to average equity (ytd only) | 1.6861% | 4,434 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4324% | 432 |
| Assets per employee ($millions) | 4.4173% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 1,363 |
| Loan loss allowance to noncurrent loans | 347.1698% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 4,442 |
| Noncurrent loans to loans | 0.4627% | 3,436 |
| Net loans and leases to total assets | 42.5219% | 5,132 |
| Net loans and leases to deposits | 47.3052% | 5,250 |
| Net loans and leases to core deposits | 51.4377% | 5,167 |
| Total domestic deposits to total assets | 89.8883% | 708 |
| Equity capital to assets | 10.0136% | 3,743 |
| Core capital (leverage) ratio | 9.6019% | 4,000 |
| Tier 1 risk-based capital ratio | 19.4142% | 1,513 |
| Total risk-based capital ratio | 20.6632% | 1,486 |
| Memoranda: | ||
| Average total assets | $26,889,500 | 5,705 |
| Average earning assets | $24,405,500 | 5,691 |
| Average equity | $2,609,500 | 5,731 |
| Average total loans | $11,273,500 | 5,687 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9208% | 5,562 |
| Cost of funding earning assets | 0.1875% | 5,134 |
| Net interest margin | 2.7333% | 5,377 |
| Noninterest income to average assets | 0.2639% | 4,845 |
| Noninterest expense to average assets | 2.6779% | 3,422 |
| Loan and lease loss provision to assets | 0.0039% | 4,280 |
| Net operating income to assets | 0.1242% | 5,534 |
| Return on assets (ROA) | 0.1242% | 5,563 |
| Pretax return on assets | 0.1281% | 5,566 |
| Return on Equity (ROE) | 1.1977% | 5,534 |
| Retained earnings to average equity (ytd only) | 1.1977% | 4,810 |
| Net charge-offs to loans | 0.0179% | 3,710 |
| Credit loss provision to net charge-offs | 50.0000% | 3,375 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 2,079 |
| Efficiency ratio | 95.3039% | 337 |
| Assets per employee ($millions) | 4.5458% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 1,282 |
| Loan loss allowance to noncurrent loans | 313.7931% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 4,460 |
| Noncurrent loans to loans | 0.5229% | 3,284 |
| Net loans and leases to total assets | 40.0037% | 5,311 |
| Net loans and leases to deposits | 44.2045% | 5,424 |
| Net loans and leases to core deposits | 47.9120% | 5,372 |
| Total domestic deposits to total assets | 90.4968% | 450 |
| Equity capital to assets | 9.4042% | 4,371 |
| Core capital (leverage) ratio | 9.8987% | 3,624 |
| Tier 1 risk-based capital ratio | 17.6561% | 1,962 |
| Total risk-based capital ratio | 18.8701% | 1,931 |
| Memoranda: | ||
| Average total assets | $25,766,800 | 5,769 |
| Average earning assets | $24,000,400 | 5,745 |
| Average equity | $2,671,800 | 5,786 |
| Average total loans | $11,179,400 | 5,743 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9851% | 5,582 |
| Cost of funding earning assets | 0.1845% | 5,226 |
| Net interest margin | 2.8006% | 5,357 |
| Noninterest income to average assets | 0.1891% | 5,327 |
| Noninterest expense to average assets | 2.6939% | 3,368 |
| Loan and lease loss provision to assets | 0.0052% | 4,126 |
| Net operating income to assets | 0.1155% | 5,607 |
| Return on assets (ROA) | 0.1155% | 5,660 |
| Pretax return on assets | 0.1208% | 5,654 |
| Return on Equity (ROE) | 1.0869% | 5,636 |
| Retained earnings to average equity (ytd only) | 1.0869% | 5,060 |
| Net charge-offs to loans | 0.0238% | 3,195 |
| Credit loss provision to net charge-offs | 50.0000% | 3,029 |
| Earnings coverage of net charge-offs (x) | 11.9850% | 2,430 |
| Efficiency ratio | 95.5307% | 332 |
| Assets per employee ($millions) | 4.1275% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 1,616 |
| Loan loss allowance to noncurrent loans | 455.0000% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 3,200 |
| Noncurrent loans to loans | 0.3400% | 4,038 |
| Net loans and leases to total assets | 46.7676% | 5,041 |
| Net loans and leases to deposits | 52.7125% | 5,174 |
| Net loans and leases to core deposits | 57.7368% | 5,068 |
| Total domestic deposits to total assets | 88.7220% | 1,040 |
| Equity capital to assets | 11.1892% | 2,809 |
| Core capital (leverage) ratio | 10.5185% | 2,976 |
| Tier 1 risk-based capital ratio | 17.5053% | 2,077 |
| Total risk-based capital ratio | 18.7135% | 2,052 |
| Memoranda: | ||
| Average total assets | $25,389,750 | 5,834 |
| Average earning assets | $23,851,250 | 5,809 |
| Average equity | $2,698,500 | 5,846 |
| Average total loans | $11,201,000 | 5,807 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9667% | 5,672 |
| Cost of funding earning assets | 0.1994% | 5,150 |
| Net interest margin | 2.7672% | 5,485 |
| Noninterest income to average assets | 0.2031% | 5,276 |
| Noninterest expense to average assets | 2.6721% | 3,479 |
| Loan and lease loss provision to assets | 0.0078% | 3,919 |
| Net operating income to assets | 0.1094% | 5,655 |
| Return on assets (ROA) | 0.1094% | 5,705 |
| Pretax return on assets | 0.1250% | 5,695 |
| Return on Equity (ROE) | 1.0470% | 5,682 |
| Retained earnings to average equity (ytd only) | 1.0470% | 4,971 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2646% | 369 |
| Assets per employee ($millions) | 4.3048% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 1,755 |
| Loan loss allowance to noncurrent loans | 427.9070% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 3,350 |
| Noncurrent loans to loans | 0.3576% | 4,088 |
| Net loans and leases to total assets | 45.8438% | 5,136 |
| Net loans and leases to deposits | 51.3509% | 5,278 |
| Net loans and leases to core deposits | 55.9885% | 5,174 |
| Total domestic deposits to total assets | 89.2756% | 771 |
| Equity capital to assets | 10.6547% | 3,465 |
| Core capital (leverage) ratio | 10.3950% | 3,081 |
| Tier 1 risk-based capital ratio | 16.4528% | 2,450 |
| Total risk-based capital ratio | 17.6044% | 2,427 |
| Memoranda: | ||
| Average total assets | $25,598,000 | 5,904 |
| Average earning assets | $24,067,330 | 5,876 |
| Average equity | $2,674,330 | 5,920 |
| Average total loans | $11,013,330 | 5,882 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9810% | 5,703 |
| Cost of funding earning assets | 0.1675% | 5,490 |
| Net interest margin | 2.8135% | 5,452 |
| Noninterest income to average assets | 0.2355% | 5,058 |
| Noninterest expense to average assets | 2.6999% | 3,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1727% | 5,582 |
| Return on assets (ROA) | 0.1727% | 5,636 |
| Pretax return on assets | 0.1727% | 5,667 |
| Return on Equity (ROE) | 1.6695% | 5,585 |
| Retained earnings to average equity (ytd only) | 1.6695% | 4,609 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9891% | 453 |
| Assets per employee ($millions) | 4.0747% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 1,272 |
| Loan loss allowance to noncurrent loans | 415.9091% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 3,282 |
| Noncurrent loans to loans | 0.4177% | 3,945 |
| Net loans and leases to total assets | 42.3388% | 5,332 |
| Net loans and leases to deposits | 47.6149% | 5,438 |
| Net loans and leases to core deposits | 52.2066% | 5,342 |
| Total domestic deposits to total assets | 88.9193% | 1,148 |
| Equity capital to assets | 10.9784% | 2,967 |
| Core capital (leverage) ratio | 10.3154% | 3,172 |
| Tier 1 risk-based capital ratio | 17.8046% | 2,039 |
| Total risk-based capital ratio | 19.0454% | 2,004 |
| Memoranda: | ||
| Average total assets | $25,482,500 | 5,963 |
| Average earning assets | $23,884,500 | 5,942 |
| Average equity | $2,635,500 | 5,978 |
| Average total loans | $10,507,500 | 5,954 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8835% | 5,827 |
| Cost of funding earning assets | 0.1917% | 5,351 |
| Net interest margin | 2.6918% | 5,656 |
| Noninterest income to average assets | 0.2360% | 5,181 |
| Noninterest expense to average assets | 2.8204% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0458% | 5,896 |
| Return on assets (ROA) | 0.0080% | 5,891 |
| Pretax return on assets | 0.0280% | 5,872 |
| Return on Equity (ROE) | 0.0765% | 5,890 |
| Retained earnings to average equity (ytd only) | 0.0765% | 5,475 |
| Net charge-offs to loans | 0.0760% | 2,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,358 |
| Efficiency ratio | 102.0260% | 244 |
| Assets per employee ($millions) | 4.4195% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 1,252 |
| Loan loss allowance to noncurrent loans | 397.8261% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5544% | 3,438 |
| Noncurrent loans to loans | 0.4389% | 3,894 |
| Net loans and leases to total assets | 38.8355% | 5,587 |
| Net loans and leases to deposits | 43.0716% | 5,680 |
| Net loans and leases to core deposits | 46.8112% | 5,613 |
| Total domestic deposits to total assets | 90.1648% | 564 |
| Equity capital to assets | 9.7560% | 4,234 |
| Core capital (leverage) ratio | 10.3417% | 3,112 |
| Tier 1 risk-based capital ratio | 17.3121% | 2,177 |
| Total risk-based capital ratio | 18.5237% | 2,143 |
| Memoranda: | ||
| Average total assets | $24,996,600 | 6,026 |
| Average earning assets | $23,478,400 | 6,003 |
| Average equity | $2,613,600 | 6,042 |
| Average total loans | $9,212,600 | 6,028 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8813% | 5,909 |
| Cost of funding earning assets | 0.1902% | 5,461 |
| Net interest margin | 2.6911% | 5,735 |
| Noninterest income to average assets | 0.2491% | 5,152 |
| Noninterest expense to average assets | 2.8815% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0817% | 5,990 |
| Return on assets (ROA) | -0.0054% | 5,976 |
| Pretax return on assets | 0.0162% | 5,956 |
| Return on Equity (ROE) | -0.0508% | 5,975 |
| Retained earnings to average equity (ytd only) | -0.0508% | 5,602 |
| Net charge-offs to loans | 0.1499% | 1,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -1.9002% | 4,076 |
| Efficiency ratio | 103.7037% | 217 |
| Assets per employee ($millions) | 4.7272% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 1,329 |
| Loan loss allowance to noncurrent loans | 115.2866% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 3,266 |
| Noncurrent loans to loans | 1.5314% | 1,635 |
| Net loans and leases to total assets | 42.6087% | 5,454 |
| Net loans and leases to deposits | 48.3764% | 5,544 |
| Net loans and leases to core deposits | 53.2660% | 5,446 |
| Total domestic deposits to total assets | 88.0775% | 1,518 |
| Equity capital to assets | 11.2540% | 2,748 |
| Core capital (leverage) ratio | 10.5974% | 2,927 |
| Tier 1 risk-based capital ratio | 18.7648% | 1,834 |
| Total risk-based capital ratio | 20.0144% | 1,800 |
| Memoranda: | ||
| Average total assets | $24,616,500 | 6,120 |
| Average earning assets | $23,137,500 | 6,089 |
| Average equity | $2,620,250 | 6,124 |
| Average total loans | $8,895,500 | 6,119 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7685% | 6,044 |
| Cost of funding earning assets | 0.1880% | 5,546 |
| Net interest margin | 2.5805% | 5,901 |
| Noninterest income to average assets | 0.2486% | 5,170 |
| Noninterest expense to average assets | 2.9427% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.2967% | 6,135 |
| Return on assets (ROA) | -0.1203% | 6,087 |
| Pretax return on assets | -0.0962% | 6,064 |
| Return on Equity (ROE) | -1.1507% | 6,090 |
| Retained earnings to average equity (ytd only) | -1.1507% | 5,714 |
| Net charge-offs to loans | 0.2369% | 1,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -3.4000% | 3,805 |
| Efficiency ratio | 110.2102% | 168 |
| Assets per employee ($millions) | 4.8124% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8458% | 1,283 |
| Loan loss allowance to noncurrent loans | 174.0385% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 4,190 |
| Noncurrent loans to loans | 1.0606% | 2,522 |
| Net loans and leases to total assets | 40.0008% | 5,630 |
| Net loans and leases to deposits | 44.7883% | 5,733 |
| Net loans and leases to core deposits | 49.1573% | 5,645 |
| Total domestic deposits to total assets | 89.3109% | 998 |
| Equity capital to assets | 10.5810% | 3,356 |
| Core capital (leverage) ratio | 10.2514% | 3,283 |
| Tier 1 risk-based capital ratio | 18.3475% | 1,969 |
| Total risk-based capital ratio | 19.5975% | 1,930 |
| Memoranda: | ||
| Average total assets | $24,943,330 | 6,189 |
| Average earning assets | $23,406,330 | 6,157 |
| Average equity | $2,607,000 | 6,194 |
| Average total loans | $8,443,330 | 6,203 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6458% | 6,155 |
| Cost of funding earning assets | 0.1854% | 5,644 |
| Net interest margin | 2.4604% | 6,058 |
| Noninterest income to average assets | 0.3152% | 4,670 |
| Noninterest expense to average assets | 3.0570% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4570% | 6,231 |
| Return on assets (ROA) | -0.1261% | 6,139 |
| Pretax return on assets | -0.1103% | 6,124 |
| Return on Equity (ROE) | -1.2133% | 6,138 |
| Retained earnings to average equity (ytd only) | -1.2133% | 5,581 |
| Net charge-offs to loans | 0.5153% | 487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -2.8000% | 3,216 |
| Efficiency ratio | 116.8675% | 144 |
| Assets per employee ($millions) | 4.2797% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4730% | 553 |
| Loan loss allowance to noncurrent loans | 174.0385% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4050% | 4,404 |
| Noncurrent loans to loans | 1.4210% | 2,020 |
| Net loans and leases to total assets | 27.7981% | 6,135 |
| Net loans and leases to deposits | 31.0388% | 6,178 |
| Net loans and leases to core deposits | 33.8518% | 6,145 |
| Total domestic deposits to total assets | 89.5592% | 964 |
| Equity capital to assets | 10.3357% | 3,741 |
| Core capital (leverage) ratio | 10.3302% | 3,187 |
| Tier 1 risk-based capital ratio | 22.8056% | 1,135 |
| Total risk-based capital ratio | 24.0571% | 1,116 |
| Memoranda: | ||
| Average total assets | $25,384,000 | 6,249 |
| Average earning assets | $23,735,500 | 6,219 |
| Average equity | $2,637,500 | 6,252 |
| Average total loans | $7,762,000 | 6,288 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9150% | 6,120 |
| Cost of funding earning assets | 0.3082% | 4,705 |
| Net interest margin | 2.6068% | 6,059 |
| Noninterest income to average assets | 0.2427% | 5,387 |
| Noninterest expense to average assets | 2.7521% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1448% | 6,184 |
| Return on assets (ROA) | -0.0900% | 6,155 |
| Pretax return on assets | -0.0705% | 6,128 |
| Return on Equity (ROE) | -0.9069% | 6,164 |
| Retained earnings to average equity (ytd only) | -0.9069% | 5,909 |
| Net charge-offs to loans | 0.0630% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -6.4000% | 4,901 |
| Efficiency ratio | 104.7690% | 280 |
| Assets per employee ($millions) | 4.1817% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3278% | 696 |
| Loan loss allowance to noncurrent loans | 169.0265% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 4,315 |
| Noncurrent loans to loans | 1.3772% | 2,127 |
| Net loans and leases to total assets | 31.9410% | 6,116 |
| Net loans and leases to deposits | 35.7066% | 6,183 |
| Net loans and leases to core deposits | 39.0280% | 6,121 |
| Total domestic deposits to total assets | 89.4540% | 991 |
| Equity capital to assets | 10.4464% | 3,555 |
| Core capital (leverage) ratio | 12.3692% | 1,412 |
| Tier 1 risk-based capital ratio | 21.0031% | 1,405 |
| Total risk-based capital ratio | 22.2571% | 1,369 |
| Memoranda: | ||
| Average total assets | $25,543,800 | 6,332 |
| Average earning assets | $23,362,000 | 6,311 |
| Average equity | $2,536,000 | 6,346 |
| Average total loans | $7,942,600 | 6,370 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9164% | 6,191 |
| Cost of funding earning assets | 0.3317% | 4,546 |
| Net interest margin | 2.5848% | 6,150 |
| Noninterest income to average assets | 0.2494% | 5,431 |
| Noninterest expense to average assets | 2.8166% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2390% | 6,286 |
| Return on assets (ROA) | -0.1663% | 6,263 |
| Pretax return on assets | -0.1455% | 6,230 |
| Return on Equity (ROE) | -1.6968% | 6,268 |
| Retained earnings to average equity (ytd only) | -1.6968% | 6,045 |
| Net charge-offs to loans | 0.0677% | 3,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -10.5066% | 4,637 |
| Efficiency ratio | 108.4000% | 242 |
| Assets per employee ($millions) | 5.9690% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1939% | 957 |
| Loan loss allowance to noncurrent loans | 181.9048% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 4,593 |
| Noncurrent loans to loans | 1.2061% | 2,633 |
| Net loans and leases to total assets | 35.6634% | 6,041 |
| Net loans and leases to deposits | 42.1014% | 6,044 |
| Net loans and leases to core deposits | 42.9725% | 6,084 |
| Total domestic deposits to total assets | 84.7085% | 3,453 |
| Equity capital to assets | 10.6299% | 3,399 |
| Core capital (leverage) ratio | 12.5724% | 1,367 |
| Tier 1 risk-based capital ratio | 20.5934% | 1,533 |
| Total risk-based capital ratio | 21.8434% | 1,495 |
| Memoranda: | ||
| Average total assets | $25,657,250 | 6,407 |
| Average earning assets | $23,315,500 | 6,388 |
| Average equity | $2,514,750 | 6,424 |
| Average total loans | $7,877,000 | 6,449 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8429% | 6,302 |
| Cost of funding earning assets | 0.3564% | 4,359 |
| Net interest margin | 2.4865% | 6,294 |
| Noninterest income to average assets | 0.2514% | 5,399 |
| Noninterest expense to average assets | 2.7275% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.2590% | 6,349 |
| Return on assets (ROA) | -0.2514% | 6,359 |
| Pretax return on assets | -0.2362% | 6,331 |
| Return on Equity (ROE) | -2.6326% | 6,363 |
| Retained earnings to average equity (ytd only) | -2.6326% | 6,064 |
| Net charge-offs to loans | 0.1579% | 2,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -5.3333% | 4,291 |
| Efficiency ratio | 109.8160% | 231 |
| Assets per employee ($millions) | 5.3800% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4185% | 796 |
| Loan loss allowance to noncurrent loans | 180.9524% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 4,845 |
| Noncurrent loans to loans | 1.3366% | 2,574 |
| Net loans and leases to total assets | 28.4981% | 6,347 |
| Net loans and leases to deposits | 31.5577% | 6,395 |
| Net loans and leases to core deposits | 32.0995% | 6,411 |
| Total domestic deposits to total assets | 90.3048% | 659 |
| Equity capital to assets | 9.6134% | 4,607 |
| Core capital (leverage) ratio | 12.2974% | 1,501 |
| Tier 1 risk-based capital ratio | 21.3729% | 1,370 |
| Total risk-based capital ratio | 22.6291% | 1,343 |
| Memoranda: | ||
| Average total assets | $26,251,000 | 6,463 |
| Average earning assets | $23,567,330 | 6,446 |
| Average equity | $2,507,000 | 6,484 |
| Average total loans | $7,600,670 | 6,520 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6104% | 6,513 |
| Cost of funding earning assets | 0.3705% | 4,310 |
| Net interest margin | 2.2399% | 6,508 |
| Noninterest income to average assets | 0.2931% | 5,029 |
| Noninterest expense to average assets | 2.7617% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4320% | 6,446 |
| Return on assets (ROA) | -0.4166% | 6,441 |
| Pretax return on assets | -0.4011% | 6,429 |
| Return on Equity (ROE) | -4.3769% | 6,451 |
| Retained earnings to average equity (ytd only) | -4.3769% | 6,088 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7632% | 193 |
| Assets per employee ($millions) | 5.1542% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6758% | 651 |
| Loan loss allowance to noncurrent loans | 132.4324% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 4,424 |
| Noncurrent loans to loans | 2.0205% | 1,846 |
| Net loans and leases to total assets | 27.6629% | 6,425 |
| Net loans and leases to deposits | 30.6637% | 6,470 |
| Net loans and leases to core deposits | 31.5820% | 6,467 |
| Total domestic deposits to total assets | 90.2138% | 956 |
| Equity capital to assets | 9.6853% | 4,248 |
| Core capital (leverage) ratio | 11.5218% | 1,951 |
| Tier 1 risk-based capital ratio | 22.3987% | 1,230 |
| Total risk-based capital ratio | 23.6521% | 1,206 |
| Memoranda: | ||
| Average total assets | $25,926,500 | 6,534 |
| Average earning assets | $23,751,000 | 6,505 |
| Average equity | $2,467,500 | 6,547 |
| Average total loans | $7,473,000 | 6,590 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8147% | 6,491 |
| Cost of funding earning assets | 0.5878% | 2,771 |
| Net interest margin | 2.2269% | 6,564 |
| Noninterest income to average assets | 0.2617% | 5,475 |
| Noninterest expense to average assets | 2.6904% | 4,128 |
| Loan and lease loss provision to assets | 0.0385% | 4,346 |
| Net operating income to assets | -0.4888% | 6,493 |
| Return on assets (ROA) | -0.3387% | 6,450 |
| Pretax return on assets | -0.3195% | 6,417 |
| Return on Equity (ROE) | -3.3927% | 6,442 |
| Retained earnings to average equity (ytd only) | -3.3927% | 6,286 |
| Net charge-offs to loans | 0.3527% | 1,914 |
| Credit loss provision to net charge-offs | 33.3333% | 4,174 |
| Earnings coverage of net charge-offs (x) | -3.7333% | 5,366 |
| Efficiency ratio | 119.0801% | 186 |
| Assets per employee ($millions) | 5.2164% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5718% | 751 |
| Loan loss allowance to noncurrent loans | 79.6748% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 3,543 |
| Noncurrent loans to loans | 3.2279% | 1,038 |
| Net loans and leases to total assets | 28.4679% | 6,509 |
| Net loans and leases to deposits | 31.4366% | 6,553 |
| Net loans and leases to core deposits | 32.3600% | 6,555 |
| Total domestic deposits to total assets | 90.5567% | 781 |
| Equity capital to assets | 9.3513% | 4,620 |
| Core capital (leverage) ratio | 11.7584% | 1,787 |
| Tier 1 risk-based capital ratio | 23.0279% | 1,093 |
| Total risk-based capital ratio | 24.2858% | 1,071 |
| Memoranda: | ||
| Average total assets | $25,980,800 | 6,609 |
| Average earning assets | $23,306,200 | 6,592 |
| Average equity | $2,593,800 | 6,605 |
| Average total loans | $8,506,200 | 6,632 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7841% | 6,576 |
| Cost of funding earning assets | 0.6314% | 2,535 |
| Net interest margin | 2.1527% | 6,672 |
| Noninterest income to average assets | 0.2825% | 5,426 |
| Noninterest expense to average assets | 2.7637% | 3,780 |
| Loan and lease loss provision to assets | 0.0411% | 4,183 |
| Net operating income to assets | -0.6164% | 6,629 |
| Return on assets (ROA) | -0.4161% | 6,579 |
| Pretax return on assets | -0.3956% | 6,560 |
| Return on Equity (ROE) | -4.1026% | 6,574 |
| Retained earnings to average equity (ytd only) | -4.1026% | 6,445 |
| Net charge-offs to loans | 0.4583% | 1,398 |
| Credit loss provision to net charge-offs | 26.6667% | 3,955 |
| Earnings coverage of net charge-offs (x) | -3.6000% | 5,115 |
| Efficiency ratio | 125.1163% | 143 |
| Assets per employee ($millions) | 5.0288% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4277% | 1,017 |
| Loan loss allowance to noncurrent loans | 93.7198% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8233% | 4,052 |
| Noncurrent loans to loans | 2.5904% | 1,644 |
| Net loans and leases to total assets | 31.0094% | 6,491 |
| Net loans and leases to deposits | 34.5612% | 6,551 |
| Net loans and leases to core deposits | 35.6239% | 6,572 |
| Total domestic deposits to total assets | 89.7232% | 1,160 |
| Equity capital to assets | 10.0859% | 3,784 |
| Core capital (leverage) ratio | 12.2146% | 1,556 |
| Tier 1 risk-based capital ratio | 22.4344% | 1,241 |
| Total risk-based capital ratio | 23.6907% | 1,215 |
| Memoranda: | ||
| Average total assets | $25,955,500 | 6,682 |
| Average earning assets | $23,226,500 | 6,666 |
| Average equity | $2,632,500 | 6,675 |
| Average total loans | $8,727,500 | 6,704 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7247% | 6,653 |
| Cost of funding earning assets | 0.6618% | 2,389 |
| Net interest margin | 2.0628% | 6,742 |
| Noninterest income to average assets | 0.2745% | 5,486 |
| Noninterest expense to average assets | 2.7606% | 3,817 |
| Loan and lease loss provision to assets | 0.0458% | 4,053 |
| Net operating income to assets | -0.7245% | 6,701 |
| Return on assets (ROA) | -0.4271% | 6,634 |
| Pretax return on assets | -0.4042% | 6,594 |
| Return on Equity (ROE) | -4.2031% | 6,620 |
| Retained earnings to average equity (ytd only) | -4.2031% | 6,412 |
| Net charge-offs to loans | 0.6464% | 1,018 |
| Credit loss provision to net charge-offs | 20.6897% | 3,720 |
| Earnings coverage of net charge-offs (x) | -2.9655% | 4,791 |
| Efficiency ratio | 131.1594% | 119 |
| Assets per employee ($millions) | 6.4428% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5390% | 947 |
| Loan loss allowance to noncurrent loans | 92.3077% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 4,209 |
| Noncurrent loans to loans | 2.7506% | 1,653 |
| Net loans and leases to total assets | 28.5980% | 6,619 |
| Net loans and leases to deposits | 31.5483% | 6,664 |
| Net loans and leases to core deposits | 32.4813% | 6,673 |
| Total domestic deposits to total assets | 90.6484% | 680 |
| Equity capital to assets | 9.2235% | 4,959 |
| Core capital (leverage) ratio | 11.9203% | 1,657 |
| Tier 1 risk-based capital ratio | 23.5439% | 1,057 |
| Total risk-based capital ratio | 24.7970% | 1,036 |
| Memoranda: | ||
| Average total assets | $26,226,000 | 6,724 |
| Average earning assets | $23,269,000 | 6,714 |
| Average equity | $2,664,670 | 6,721 |
| Average total loans | $8,973,000 | 6,743 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7892% | 6,685 |
| Cost of funding earning assets | 0.6845% | 2,348 |
| Net interest margin | 2.1047% | 6,808 |
| Noninterest income to average assets | 0.2571% | 5,617 |
| Noninterest expense to average assets | 2.6915% | 4,103 |
| Loan and lease loss provision to assets | 0.0454% | 3,851 |
| Net operating income to assets | -0.6351% | 6,723 |
| Return on assets (ROA) | -0.6351% | 6,740 |
| Pretax return on assets | -0.6200% | 6,706 |
| Return on Equity (ROE) | -5.9818% | 6,718 |
| Retained earnings to average equity (ytd only) | -5.9818% | 6,418 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.1429% | 169 |
| Assets per employee ($millions) | 5.3048% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9348% | 703 |
| Loan loss allowance to noncurrent loans | 205.6604% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 5,393 |
| Noncurrent loans to loans | 1.4270% | 3,428 |
| Net loans and leases to total assets | 27.1829% | 6,694 |
| Net loans and leases to deposits | 30.3937% | 6,737 |
| Net loans and leases to core deposits | 31.2771% | 6,740 |
| Total domestic deposits to total assets | 89.4360% | 1,395 |
| Equity capital to assets | 10.4924% | 3,545 |
| Core capital (leverage) ratio | 11.3370% | 1,989 |
| Tier 1 risk-based capital ratio | 25.4846% | 841 |
| Total risk-based capital ratio | 26.7484% | 827 |
| Memoranda: | ||
| Average total assets | $26,453,500 | 6,791 |
| Average earning assets | $23,376,000 | 6,780 |
| Average equity | $2,808,500 | 6,760 |
| Average total loans | $9,678,500 | 6,788 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 5,326 |
| Cost of funding earning assets | 0.8994% | 1,940 |
| Net interest margin | 3.0949% | 5,827 |
| Noninterest income to average assets | 0.2626% | 5,585 |
| Noninterest expense to average assets | 2.8297% | 3,906 |
| Loan and lease loss provision to assets | 0.4664% | 1,338 |
| Net operating income to assets | -0.4233% | 6,531 |
| Return on assets (ROA) | -0.4233% | 6,575 |
| Pretax return on assets | -0.4037% | 6,528 |
| Return on Equity (ROE) | -3.7660% | 6,541 |
| Retained earnings to average equity (ytd only) | -3.7660% | 6,341 |
| Net charge-offs to loans | 0.6354% | 1,844 |
| Credit loss provision to net charge-offs | 160.8108% | 1,672 |
| Earnings coverage of net charge-offs (x) | 0.2162% | 5,370 |
| Efficiency ratio | 97.8320% | 635 |
| Assets per employee ($millions) | 4.3972% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 2,576 |
| Loan loss allowance to noncurrent loans | 193.6937% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 5,434 |
| Noncurrent loans to loans | 0.9305% | 4,332 |
| Net loans and leases to total assets | 44.3998% | 5,780 |
| Net loans and leases to deposits | 49.7875% | 5,971 |
| Net loans and leases to core deposits | 51.2446% | 6,069 |
| Total domestic deposits to total assets | 89.1786% | 1,449 |
| Equity capital to assets | 10.7418% | 3,228 |
| Core capital (leverage) ratio | 10.5980% | 2,656 |
| Tier 1 risk-based capital ratio | 17.6654% | 2,393 |
| Total risk-based capital ratio | 18.9170% | 2,358 |
| Memoranda: | ||
| Average total assets | $25,514,800 | 6,857 |
| Average earning assets | $21,681,000 | 6,868 |
| Average equity | $2,867,800 | 6,814 |
| Average total loans | $11,646,600 | 6,790 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 5,580 |
| Cost of funding earning assets | 0.9442% | 1,881 |
| Net interest margin | 3.0315% | 6,103 |
| Noninterest income to average assets | 0.2741% | 5,592 |
| Noninterest expense to average assets | 2.8724% | 3,698 |
| Loan and lease loss provision to assets | 0.6114% | 887 |
| Net operating income to assets | -0.6588% | 6,763 |
| Return on assets (ROA) | -0.6588% | 6,791 |
| Pretax return on assets | -0.6377% | 6,755 |
| Return on Equity (ROE) | -5.7944% | 6,747 |
| Retained earnings to average equity (ytd only) | -5.7944% | 6,663 |
| Net charge-offs to loans | 1.0136% | 1,050 |
| Credit loss provision to net charge-offs | 131.8182% | 2,184 |
| Earnings coverage of net charge-offs (x) | -0.0568% | 5,354 |
| Efficiency ratio | 100.9259% | 512 |
| Assets per employee ($millions) | 4.0605% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 3,375 |
| Loan loss allowance to noncurrent loans | 72.5275% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 4,056 |
| Noncurrent loans to loans | 2.2590% | 2,546 |
| Net loans and leases to total assets | 48.7912% | 5,454 |
| Net loans and leases to deposits | 55.3450% | 5,684 |
| Net loans and leases to core deposits | 57.1188% | 5,801 |
| Total domestic deposits to total assets | 88.1583% | 1,950 |
| Equity capital to assets | 11.6899% | 2,544 |
| Core capital (leverage) ratio | 10.7587% | 2,648 |
| Tier 1 risk-based capital ratio | 17.7021% | 2,459 |
| Total risk-based capital ratio | 18.9511% | 2,427 |
| Memoranda: | ||
| Average total assets | $25,297,750 | 6,947 |
| Average earning assets | $21,463,000 | 6,963 |
| Average equity | $2,876,250 | 6,897 |
| Average total loans | $11,576,000 | 6,882 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 5,645 |
| Cost of funding earning assets | 0.9993% | 1,766 |
| Net interest margin | 2.9980% | 6,247 |
| Noninterest income to average assets | 0.2655% | 5,675 |
| Noninterest expense to average assets | 2.6397% | 4,650 |
| Loan and lease loss provision to assets | 0.8825% | 535 |
| Net operating income to assets | -0.7966% | 6,859 |
| Return on assets (ROA) | -0.7966% | 6,883 |
| Pretax return on assets | -0.7732% | 6,840 |
| Return on Equity (ROE) | -7.0694% | 6,833 |
| Retained earnings to average equity (ytd only) | -7.0694% | 6,723 |
| Net charge-offs to loans | 1.5079% | 664 |
| Credit loss provision to net charge-offs | 131.3953% | 2,089 |
| Earnings coverage of net charge-offs (x) | 0.1628% | 4,988 |
| Efficiency ratio | 96.0227% | 703 |
| Assets per employee ($millions) | 5.0708% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 2,805 |
| Loan loss allowance to noncurrent loans | 184.1121% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 5,726 |
| Noncurrent loans to loans | 0.9854% | 4,535 |
| Net loans and leases to total assets | 42.0525% | 6,181 |
| Net loans and leases to deposits | 47.4077% | 6,344 |
| Net loans and leases to core deposits | 48.8545% | 6,412 |
| Total domestic deposits to total assets | 88.7040% | 1,702 |
| Equity capital to assets | 11.1777% | 2,918 |
| Core capital (leverage) ratio | 9.9017% | 3,572 |
| Tier 1 risk-based capital ratio | 18.9084% | 1,988 |
| Total risk-based capital ratio | 20.1621% | 1,969 |
| Memoranda: | ||
| Average total assets | $25,609,330 | 6,996 |
| Average earning assets | $21,214,000 | 7,024 |
| Average equity | $2,885,670 | 6,936 |
| Average total loans | $11,406,330 | 6,947 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2430% | 4,951 |
| Cost of funding earning assets | 1.0800% | 1,499 |
| Net interest margin | 3.1630% | 5,871 |
| Noninterest income to average assets | 0.2487% | 5,863 |
| Noninterest expense to average assets | 2.7509% | 4,241 |
| Loan and lease loss provision to assets | 0.0622% | 4,641 |
| Net operating income to assets | -0.0311% | 6,456 |
| Return on assets (ROA) | -0.0311% | 6,554 |
| Pretax return on assets | -0.0155% | 6,548 |
| Return on Equity (ROE) | -0.2748% | 6,557 |
| Retained earnings to average equity (ytd only) | -0.2748% | 6,038 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3333% | 619 |
| Assets per employee ($millions) | 5.0964% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6651% | 3,483 |
| Loan loss allowance to noncurrent loans | 106.0976% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 5,282 |
| Noncurrent loans to loans | 1.5694% | 3,756 |
| Net loans and leases to total assets | 40.3265% | 6,321 |
| Net loans and leases to deposits | 45.5698% | 6,461 |
| Net loans and leases to core deposits | 47.4949% | 6,483 |
| Total domestic deposits to total assets | 88.4938% | 2,014 |
| Equity capital to assets | 11.4081% | 2,519 |
| Core capital (leverage) ratio | 10.8997% | 2,345 |
| Tier 1 risk-based capital ratio | 20.0156% | 1,709 |
| Total risk-based capital ratio | 21.2462% | 1,685 |
| Memoranda: | ||
| Average total assets | $25,737,000 | 7,056 |
| Average earning assets | $20,740,000 | 7,097 |
| Average equity | $2,911,500 | 6,978 |
| Average total loans | $11,680,000 | 6,998 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7511% | 4,026 |
| Cost of funding earning assets | 1.2893% | 1,532 |
| Net interest margin | 3.4618% | 5,279 |
| Noninterest income to average assets | 0.3467% | 5,033 |
| Noninterest expense to average assets | 2.6675% | 4,860 |
| Loan and lease loss provision to assets | 0.0489% | 5,974 |
| Net operating income to assets | 0.3916% | 4,906 |
| Return on assets (ROA) | 0.3916% | 5,072 |
| Pretax return on assets | 0.4120% | 5,257 |
| Return on Equity (ROE) | 3.3566% | 5,137 |
| Retained earnings to average equity (ytd only) | 1.0839% | 5,350 |
| Net charge-offs to loans | 0.0251% | 6,085 |
| Credit loss provision to net charge-offs | 400.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 37.6667% | 712 |
| Efficiency ratio | 85.2673% | 1,647 |
| Assets per employee ($millions) | 4.3320% | 3,196 |
| Cash dividends to net income (ytd only)* | 67.7083% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 4,825 |
| Loan loss allowance to noncurrent loans | 346.9388% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 6,478 |
| Noncurrent loans to loans | 0.3796% | 5,957 |
| Net loans and leases to total assets | 49.0151% | 5,712 |
| Net loans and leases to deposits | 55.3119% | 5,951 |
| Net loans and leases to core deposits | 57.5923% | 6,035 |
| Total domestic deposits to total assets | 88.6157% | 1,776 |
| Equity capital to assets | 11.2188% | 2,772 |
| Core capital (leverage) ratio | 11.0665% | 2,219 |
| Tier 1 risk-based capital ratio | 17.3530% | 2,436 |
| Total risk-based capital ratio | 18.3932% | 2,501 |
| Memoranda: | ||
| Average total assets | $24,517,200 | 7,118 |
| Average earning assets | $19,700,600 | 7,145 |
| Average equity | $2,860,000 | 7,041 |
| Average total loans | $11,965,000 | 7,032 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8435% | 3,815 |
| Cost of funding earning assets | 1.3260% | 1,568 |
| Net interest margin | 3.5175% | 5,114 |
| Noninterest income to average assets | 0.3257% | 5,261 |
| Noninterest expense to average assets | 2.6833% | 4,792 |
| Loan and lease loss provision to assets | 0.0497% | 5,827 |
| Net operating income to assets | 0.4030% | 4,985 |
| Return on assets (ROA) | 0.4030% | 5,170 |
| Pretax return on assets | 0.4196% | 5,409 |
| Return on Equity (ROE) | 3.4199% | 5,263 |
| Retained earnings to average equity (ytd only) | 0.4216% | 5,824 |
| Net charge-offs to loans | 0.0341% | 5,674 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 28.3325% | 968 |
| Efficiency ratio | 85.1138% | 1,627 |
| Assets per employee ($millions) | 3.0565% | 5,996 |
| Cash dividends to net income (ytd only)* | 87.6708% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 4,732 |
| Loan loss allowance to noncurrent loans | 242.0290% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 6,352 |
| Noncurrent loans to loans | 0.5620% | 5,743 |
| Net loans and leases to total assets | 49.5256% | 5,769 |
| Net loans and leases to deposits | 56.3465% | 5,999 |
| Net loans and leases to core deposits | 58.8493% | 6,063 |
| Total domestic deposits to total assets | 87.8947% | 2,093 |
| Equity capital to assets | 11.9254% | 2,311 |
| Core capital (leverage) ratio | 11.4676% | 2,045 |
| Tier 1 risk-based capital ratio | 17.9951% | 2,255 |
| Total risk-based capital ratio | 19.0635% | 2,292 |
| Memoranda: | ||
| Average total assets | $24,148,500 | 7,196 |
| Average earning assets | $19,407,000 | 7,227 |
| Average equity | $2,846,000 | 7,112 |
| Average total loans | $11,728,750 | 7,112 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7658% | 4,228 |
| Cost of funding earning assets | 1.3365% | 1,718 |
| Net interest margin | 3.4293% | 5,447 |
| Noninterest income to average assets | 0.2994% | 5,494 |
| Noninterest expense to average assets | 2.6781% | 4,906 |
| Loan and lease loss provision to assets | 0.0499% | 5,690 |
| Net operating income to assets | 0.2994% | 5,377 |
| Return on assets (ROA) | 0.2994% | 5,514 |
| Pretax return on assets | 0.3244% | 5,614 |
| Return on Equity (ROE) | 2.5508% | 5,583 |
| Retained earnings to average equity (ytd only) | -1.9839% | 6,248 |
| Net charge-offs to loans | 0.0520% | 5,130 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,439 |
| Efficiency ratio | 87.7384% | 1,440 |
| Assets per employee ($millions) | 3.0366% | 6,005 |
| Cash dividends to net income (ytd only)* | 177.7778% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 4,540 |
| Loan loss allowance to noncurrent loans | 224.6575% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 6,382 |
| Noncurrent loans to loans | 0.6255% | 5,673 |
| Net loans and leases to total assets | 47.3634% | 6,114 |
| Net loans and leases to deposits | 53.7789% | 6,322 |
| Net loans and leases to core deposits | 55.4961% | 6,453 |
| Total domestic deposits to total assets | 88.0706% | 2,100 |
| Equity capital to assets | 11.7812% | 2,262 |
| Core capital (leverage) ratio | 11.5715% | 1,862 |
| Tier 1 risk-based capital ratio | 18.4012% | 2,043 |
| Total risk-based capital ratio | 19.4883% | 2,050 |
| Memoranda: | ||
| Average total assets | $24,047,330 | 7,263 |
| Average earning assets | $19,304,330 | 7,302 |
| Average equity | $2,822,670 | 7,174 |
| Average total loans | $11,546,000 | 7,191 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 4,800 |
| Cost of funding earning assets | 1.3576% | 1,841 |
| Net interest margin | 3.2791% | 5,848 |
| Noninterest income to average assets | 0.2842% | 5,638 |
| Noninterest expense to average assets | 2.7085% | 4,804 |
| Loan and lease loss provision to assets | 0.0502% | 5,374 |
| Net operating income to assets | 0.1338% | 5,996 |
| Return on assets (ROA) | 0.1338% | 6,053 |
| Pretax return on assets | 0.1505% | 6,053 |
| Return on Equity (ROE) | 1.1416% | 6,089 |
| Retained earnings to average equity (ytd only) | -7.9914% | 6,751 |
| Net charge-offs to loans | 0.0697% | 4,232 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,168 |
| Efficiency ratio | 93.1034% | 1,089 |
| Assets per employee ($millions) | 2.9858% | 6,170 |
| Cash dividends to net income (ytd only)* | 800.0000% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 4,085 |
| Loan loss allowance to noncurrent loans | 218.9189% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 6,422 |
| Noncurrent loans to loans | 0.6967% | 5,624 |
| Net loans and leases to total assets | 43.7872% | 6,485 |
| Net loans and leases to deposits | 49.6181% | 6,652 |
| Net loans and leases to core deposits | 51.2244% | 6,720 |
| Total domestic deposits to total assets | 88.2483% | 2,224 |
| Equity capital to assets | 11.6219% | 2,183 |
| Core capital (leverage) ratio | 11.4304% | 1,887 |
| Tier 1 risk-based capital ratio | 19.2709% | 1,740 |
| Total risk-based capital ratio | 20.4066% | 1,727 |
| Memoranda: | ||
| Average total assets | $23,924,500 | 7,317 |
| Average earning assets | $19,151,500 | 7,358 |
| Average equity | $2,803,000 | 7,223 |
| Average total loans | $11,484,000 | 7,250 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0861% | 4,159 |
| Cost of funding earning assets | 1.5454% | 2,372 |
| Net interest margin | 3.5407% | 5,075 |
| Noninterest income to average assets | 0.3502% | 5,301 |
| Noninterest expense to average assets | 2.7891% | 4,648 |
| Loan and lease loss provision to assets | 0.0506% | 6,651 |
| Net operating income to assets | 0.5443% | 3,913 |
| Return on assets (ROA) | 0.5443% | 4,060 |
| Pretax return on assets | 0.5654% | 4,433 |
| Return on Equity (ROE) | 4.6380% | 4,237 |
| Retained earnings to average equity (ytd only) | 1.5819% | 4,732 |
| Net charge-offs to loans | -0.0082% | 7,301 |
| Credit loss provision to net charge-offs | -1,200.0000% | 7,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9083% | 2,176 |
| Assets per employee ($millions) | 3.4233% | 5,120 |
| Cash dividends to net income (ytd only)* | 65.8915% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 4,982 |
| Loan loss allowance to noncurrent loans | 412.8205% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 6,820 |
| Noncurrent loans to loans | 0.3159% | 6,423 |
| Net loans and leases to total assets | 50.8534% | 6,060 |
| Net loans and leases to deposits | 57.7645% | 6,278 |
| Net loans and leases to core deposits | 58.9094% | 6,480 |
| Total domestic deposits to total assets | 88.0357% | 2,226 |
| Equity capital to assets | 11.8099% | 2,033 |
| Core capital (leverage) ratio | 11.9002% | 1,617 |
| Tier 1 risk-based capital ratio | 17.8378% | 2,050 |
| Total risk-based capital ratio | 18.8617% | 2,099 |
| Memoranda: | ||
| Average total assets | $23,699,400 | 7,379 |
| Average earning assets | $20,448,000 | 7,395 |
| Average equity | $2,781,400 | 7,334 |
| Average total loans | $12,205,400 | 7,292 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 4,677 |
| Cost of funding earning assets | 1.5775% | 2,525 |
| Net interest margin | 3.4511% | 5,492 |
| Noninterest income to average assets | 0.3272% | 5,540 |
| Noninterest expense to average assets | 2.7926% | 4,522 |
| Loan and lease loss provision to assets | 0.0508% | 6,574 |
| Net operating income to assets | 0.4852% | 4,382 |
| Return on assets (ROA) | 0.4852% | 4,579 |
| Pretax return on assets | 0.5077% | 4,901 |
| Return on Equity (ROE) | 4.1405% | 4,707 |
| Retained earnings to average equity (ytd only) | 0.0480% | 5,760 |
| Net charge-offs to loans | -0.0109% | 7,275 |
| Credit loss provision to net charge-offs | -900.0000% | 7,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 1,908 |
| Assets per employee ($millions) | 3.2920% | 5,486 |
| Cash dividends to net income (ytd only)* | 98.8400% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 5,175 |
| Loan loss allowance to noncurrent loans | 38.1643% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 1.7966% | 3,751 |
| Noncurrent loans to loans | 3.2962% | 2,399 |
| Net loans and leases to total assets | 53.8188% | 5,876 |
| Net loans and leases to deposits | 61.4630% | 6,173 |
| Net loans and leases to core deposits | 63.5511% | 6,331 |
| Total domestic deposits to total assets | 87.5629% | 2,228 |
| Equity capital to assets | 12.2375% | 2,017 |
| Core capital (leverage) ratio | 11.6705% | 1,834 |
| Tier 1 risk-based capital ratio | 17.5391% | 2,163 |
| Total risk-based capital ratio | 18.5428% | 2,205 |
| Memoranda: | ||
| Average total assets | $23,633,500 | 7,477 |
| Average earning assets | $20,708,000 | 7,479 |
| Average equity | $2,769,250 | 7,429 |
| Average total loans | $12,170,000 | 7,389 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9222% | 5,301 |
| Cost of funding earning assets | 1.6090% | 2,604 |
| Net interest margin | 3.3132% | 5,968 |
| Noninterest income to average assets | 0.3357% | 5,466 |
| Noninterest expense to average assets | 2.8032% | 4,467 |
| Loan and lease loss provision to assets | 0.0504% | 6,464 |
| Net operating income to assets | 0.3777% | 4,860 |
| Return on assets (ROA) | 0.3777% | 5,024 |
| Pretax return on assets | 0.4029% | 5,216 |
| Return on Equity (ROE) | 3.2700% | 5,107 |
| Retained earnings to average equity (ytd only) | -2.9066% | 6,282 |
| Net charge-offs to loans | -0.0166% | 7,258 |
| Credit loss provision to net charge-offs | -600.0000% | 6,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0825% | 1,700 |
| Assets per employee ($millions) | 3.9537% | 3,861 |
| Cash dividends to net income (ytd only)* | 188.8889% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 5,052 |
| Loan loss allowance to noncurrent loans | 47.1125% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 1.3869% | 4,402 |
| Noncurrent loans to loans | 2.7105% | 2,943 |
| Net loans and leases to total assets | 50.5143% | 6,375 |
| Net loans and leases to deposits | 57.3267% | 6,627 |
| Net loans and leases to core deposits | 59.1987% | 6,756 |
| Total domestic deposits to total assets | 88.1165% | 1,946 |
| Equity capital to assets | 11.6643% | 2,307 |
| Core capital (leverage) ratio | 11.4517% | 1,939 |
| Tier 1 risk-based capital ratio | 17.6360% | 2,062 |
| Total risk-based capital ratio | 18.6410% | 2,096 |
| Memoranda: | ||
| Average total assets | $23,830,000 | 7,537 |
| Average earning assets | $21,006,670 | 7,531 |
| Average equity | $2,752,330 | 7,490 |
| Average total loans | $12,040,000 | 7,455 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7472% | 6,085 |
| Cost of funding earning assets | 1.6201% | 2,837 |
| Net interest margin | 3.1271% | 6,527 |
| Noninterest income to average assets | 0.3350% | 5,461 |
| Noninterest expense to average assets | 2.8471% | 4,290 |
| Loan and lease loss provision to assets | 0.0502% | 6,158 |
| Net operating income to assets | 0.2010% | 5,687 |
| Return on assets (ROA) | 0.2010% | 5,804 |
| Pretax return on assets | 0.2177% | 5,826 |
| Return on Equity (ROE) | 1.7486% | 5,866 |
| Retained earnings to average equity (ytd only) | -10.6375% | 6,996 |
| Net charge-offs to loans | -0.1668% | 7,640 |
| Credit loss provision to net charge-offs | -60.0000% | 6,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3978% | 1,321 |
| Assets per employee ($millions) | 3.9673% | 3,955 |
| Cash dividends to net income (ytd only)* | 708.3333% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 4,521 |
| Loan loss allowance to noncurrent loans | 34.6667% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 1.8904% | 3,648 |
| Noncurrent loans to loans | 3.9795% | 1,968 |
| Net loans and leases to total assets | 46.8493% | 6,765 |
| Net loans and leases to deposits | 52.9459% | 6,984 |
| Net loans and leases to core deposits | 53.9970% | 7,104 |
| Total domestic deposits to total assets | 88.4851% | 1,798 |
| Equity capital to assets | 11.3006% | 2,506 |
| Core capital (leverage) ratio | 11.3615% | 1,994 |
| Tier 1 risk-based capital ratio | 18.1591% | 1,906 |
| Total risk-based capital ratio | 19.2134% | 1,921 |
| Memoranda: | ||
| Average total assets | $23,884,000 | 7,628 |
| Average earning assets | $21,233,500 | 7,622 |
| Average equity | $2,745,000 | 7,572 |
| Average total loans | $11,991,000 | 7,551 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3659% | 4,858 |
| Cost of funding earning assets | 1.8410% | 3,781 |
| Net interest margin | 3.5249% | 4,841 |
| Noninterest income to average assets | 0.3950% | 5,244 |
| Noninterest expense to average assets | 2.6720% | 5,510 |
| Loan and lease loss provision to assets | 0.0178% | 7,324 |
| Net operating income to assets | 0.8699% | 2,281 |
| Return on assets (ROA) | 0.8699% | 2,343 |
| Pretax return on assets | 0.8921% | 2,949 |
| Return on Equity (ROE) | 7.2464% | 2,694 |
| Retained earnings to average equity (ytd only) | 1.2201% | 4,184 |
| Net charge-offs to loans | 0.1935% | 5,434 |
| Credit loss provision to net charge-offs | 16.6667% | 6,951 |
| Earnings coverage of net charge-offs (x) | 8.5417% | 1,925 |
| Efficiency ratio | 74.5973% | 3,778 |
| Assets per employee ($millions) | 3.4234% | 5,200 |
| Cash dividends to net income (ytd only)* | 83.1633% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 5,496 |
| Loan loss allowance to noncurrent loans | 117.3228% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 6,128 |
| Noncurrent loans to loans | 1.0021% | 5,315 |
| Net loans and leases to total assets | 52.2659% | 6,392 |
| Net loans and leases to deposits | 59.3349% | 6,680 |
| Net loans and leases to core deposits | 71.7477% | 6,675 |
| Total domestic deposits to total assets | 88.0863% | 1,930 |
| Equity capital to assets | 11.6842% | 2,200 |
| Core capital (leverage) ratio | 12.0740% | 1,631 |
| Tier 1 risk-based capital ratio | 17.4176% | 2,049 |
| Total risk-based capital ratio | 18.3579% | 2,085 |
| Memoranda: | ||
| Average total assets | $22,530,200 | 7,716 |
| Average earning assets | $20,369,200 | 7,700 |
| Average equity | $2,704,800 | 7,676 |
| Average total loans | $12,405,000 | 7,582 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4360% | 4,763 |
| Cost of funding earning assets | 1.9139% | 3,802 |
| Net interest margin | 3.5221% | 4,771 |
| Noninterest income to average assets | 0.4029% | 5,258 |
| Noninterest expense to average assets | 2.7121% | 5,266 |
| Loan and lease loss provision to assets | 0.0060% | 7,257 |
| Net operating income to assets | 0.8479% | 2,626 |
| Return on assets (ROA) | 0.8479% | 2,694 |
| Pretax return on assets | 0.8720% | 3,310 |
| Return on Equity (ROE) | 7.0123% | 3,062 |
| Retained earnings to average equity (ytd only) | -1.0940% | 5,516 |
| Net charge-offs to loans | 0.2053% | 4,762 |
| Credit loss provision to net charge-offs | 5.2632% | 6,640 |
| Earnings coverage of net charge-offs (x) | 7.6850% | 2,370 |
| Efficiency ratio | 75.5444% | 3,583 |
| Assets per employee ($millions) | 3.2249% | 5,588 |
| Cash dividends to net income (ytd only)* | 115.6011% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 5,314 |
| Loan loss allowance to noncurrent loans | 129.3103% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5139% | 6,180 |
| Noncurrent loans to loans | 0.9023% | 5,481 |
| Net loans and leases to total assets | 56.2860% | 6,111 |
| Net loans and leases to deposits | 64.3244% | 6,466 |
| Net loans and leases to core deposits | 78.3209% | 6,457 |
| Total domestic deposits to total assets | 87.5033% | 1,883 |
| Equity capital to assets | 12.1733% | 2,142 |
| Core capital (leverage) ratio | 12.0797% | 1,769 |
| Tier 1 risk-based capital ratio | 16.9901% | 2,277 |
| Total risk-based capital ratio | 17.9386% | 2,313 |
| Memoranda: | ||
| Average total assets | $22,171,750 | 7,797 |
| Average earning assets | $20,063,250 | 7,781 |
| Average equity | $2,681,000 | 7,759 |
| Average total loans | $12,337,750 | 7,657 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4416% | 4,934 |
| Cost of funding earning assets | 1.9341% | 4,091 |
| Net interest margin | 3.5075% | 4,765 |
| Noninterest income to average assets | 0.3993% | 5,294 |
| Noninterest expense to average assets | 2.8224% | 4,863 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7351% | 3,113 |
| Return on assets (ROA) | 0.7351% | 3,218 |
| Pretax return on assets | 0.7533% | 3,822 |
| Return on Equity (ROE) | 6.0933% | 3,601 |
| Retained earnings to average equity (ytd only) | -4.2126% | 6,169 |
| Net charge-offs to loans | -0.0658% | 7,891 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9340% | 3,202 |
| Assets per employee ($millions) | 3.6883% | 4,356 |
| Cash dividends to net income (ytd only)* | 169.1358% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 3,835 |
| Loan loss allowance to noncurrent loans | 688.0000% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 7,287 |
| Noncurrent loans to loans | 0.2006% | 7,015 |
| Net loans and leases to total assets | 55.5490% | 6,264 |
| Net loans and leases to deposits | 63.5560% | 6,608 |
| Net loans and leases to core deposits | 74.9208% | 6,738 |
| Total domestic deposits to total assets | 87.4017% | 2,050 |
| Equity capital to assets | 12.2006% | 2,090 |
| Core capital (leverage) ratio | 12.2360% | 1,730 |
| Tier 1 risk-based capital ratio | 17.1119% | 2,269 |
| Total risk-based capital ratio | 18.2139% | 2,266 |
| Memoranda: | ||
| Average total assets | $22,037,670 | 7,881 |
| Average earning assets | $19,957,330 | 7,860 |
| Average equity | $2,658,670 | 7,834 |
| Average total loans | $12,165,000 | 7,746 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3924% | 5,467 |
| Cost of funding earning assets | 1.9645% | 4,310 |
| Net interest margin | 3.4279% | 5,022 |
| Noninterest income to average assets | 0.4002% | 5,210 |
| Noninterest expense to average assets | 2.9102% | 4,124 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5820% | 4,096 |
| Return on assets (ROA) | 0.5820% | 4,288 |
| Pretax return on assets | 0.6002% | 4,748 |
| Return on Equity (ROE) | 4.8522% | 4,530 |
| Retained earnings to average equity (ytd only) | -0.7582% | 5,827 |
| Net charge-offs to loans | -0.1332% | 7,947 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9016% | 2,426 |
| Assets per employee ($millions) | 2.7278% | 6,820 |
| Cash dividends to net income (ytd only)* | 115.6250% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 3,064 |
| Loan loss allowance to noncurrent loans | 365.9574% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 6,333 |
| Noncurrent loans to loans | 0.4062% | 6,400 |
| Net loans and leases to total assets | 52.2363% | 6,658 |
| Net loans and leases to deposits | 59.6713% | 6,921 |
| Net loans and leases to core deposits | 69.6165% | 7,047 |
| Total domestic deposits to total assets | 87.5401% | 1,953 |
| Equity capital to assets | 12.0704% | 2,215 |
| Core capital (leverage) ratio | 12.4697% | 1,698 |
| Tier 1 risk-based capital ratio | 18.0444% | 2,043 |
| Total risk-based capital ratio | 19.1846% | 2,018 |
| Memoranda: | ||
| Average total assets | $21,991,500 | 7,927 |
| Average earning assets | $19,954,000 | 7,906 |
| Average equity | $2,638,000 | 7,890 |
| Average total loans | $12,015,000 | 7,800 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8613% | 6,229 |
| Cost of funding earning assets | 2.6665% | 3,332 |
| Net interest margin | 3.1948% | 6,385 |
| Noninterest income to average assets | 0.4673% | 4,903 |
| Noninterest expense to average assets | 3.0192% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3325% | 5,432 |
| Return on assets (ROA) | 0.3325% | 5,250 |
| Pretax return on assets | 0.3549% | 5,376 |
| Return on Equity (ROE) | 2.8751% | 5,283 |
| Retained earnings to average equity (ytd only) | 1.5541% | 4,287 |
| Net charge-offs to loans | 0.0854% | 5,536 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 7.9000% | 3,000 |
| Efficiency ratio | 89.4807% | 1,559 |
| Assets per employee ($millions) | 2.4623% | 7,271 |
| Cash dividends to net income (ytd only)* | 45.9459% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 3,486 |
| Loan loss allowance to noncurrent loans | 141.1765% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 5,105 |
| Noncurrent loans to loans | 0.9551% | 4,693 |
| Net loans and leases to total assets | 55.4623% | 6,489 |
| Net loans and leases to deposits | 63.2546% | 6,860 |
| Net loans and leases to core deposits | 72.2363% | 7,065 |
| Total domestic deposits to total assets | 87.6811% | 1,618 |
| Equity capital to assets | 11.9218% | 2,341 |
| Core capital (leverage) ratio | 12.5518% | 1,729 |
| Tier 1 risk-based capital ratio | 17.0533% | 2,290 |
| Total risk-based capital ratio | 18.1039% | 2,299 |
| Memoranda: | ||
| Average total assets | $22,257,200 | 7,935 |
| Average earning assets | $20,251,400 | 7,924 |
| Average equity | $2,573,800 | 7,956 |
| Average total loans | $11,713,000 | 7,848 |