Home > Farmers Bank > Performance and Condition Ratios
Farmers Bank, Performance and Condition Ratios
| 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 | 2.4078% | 5,739 |
| Cost of funding earning assets | 0.3072% | 3,968 |
| Net interest margin | 2.1006% | 5,742 |
| Noninterest income to average assets | 0.1885% | 5,149 |
| Noninterest expense to average assets | 2.3844% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1979% | 5,679 |
| Return on assets (ROA) | -0.1979% | 5,677 |
| Pretax return on assets | -0.1979% | 5,664 |
| Return on Equity (ROE) | -1.8708% | 5,677 |
| Retained earnings to average equity (ytd only) | -1.8708% | 5,156 |
| 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 | 109.0517% | 136 |
| Assets per employee ($millions) | 3.5573% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0667% | 588 |
| Loan loss allowance to noncurrent loans | 523.6842% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 4,920 |
| Noncurrent loans to loans | 0.3946% | 3,688 |
| Net loans and leases to total assets | 22.0910% | 5,728 |
| Net loans and leases to deposits | 24.7137% | 5,739 |
| Net loans and leases to core deposits | 26.5814% | 5,727 |
| Total domestic deposits to total assets | 89.3879% | 952 |
| Equity capital to assets | 10.4552% | 3,229 |
| Core capital (leverage) ratio | 11.7559% | 1,784 |
| Tier 1 risk-based capital ratio | 22.7601% | 1,004 |
| Total risk-based capital ratio | 23.7323% | 1,014 |
| Memoranda: | ||
| Average total assets | $42,443,000 | 5,458 |
| Average earning assets | $40,369,000 | 5,421 |
| Average equity | $4,490,000 | 5,499 |
| Average total loans | $9,869,500 | 5,713 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5328% | 5,748 |
| Cost of funding earning assets | 0.3297% | 3,750 |
| Net interest margin | 2.2031% | 5,750 |
| Noninterest income to average assets | 0.2496% | 4,928 |
| Noninterest expense to average assets | 2.6313% | 3,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.3874% | 5,759 |
| Return on assets (ROA) | -0.2116% | 5,732 |
| Pretax return on assets | -0.1569% | 5,707 |
| Return on Equity (ROE) | -2.0760% | 5,735 |
| Retained earnings to average equity (ytd only) | -2.0760% | 5,543 |
| Net charge-offs to loans | -0.0100% | 4,936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4778% | 105 |
| Assets per employee ($millions) | 3.5166% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9683% | 698 |
| Loan loss allowance to noncurrent loans | 239.7590% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 4,534 |
| Noncurrent loans to loans | 0.8210% | 2,468 |
| Net loans and leases to total assets | 23.4863% | 5,764 |
| Net loans and leases to deposits | 26.3534% | 5,779 |
| Net loans and leases to core deposits | 28.3723% | 5,772 |
| Total domestic deposits to total assets | 89.1206% | 1,051 |
| Equity capital to assets | 10.7040% | 2,920 |
| Core capital (leverage) ratio | 11.2891% | 2,092 |
| Tier 1 risk-based capital ratio | 24.3130% | 840 |
| Total risk-based capital ratio | 25.3468% | 834 |
| Memoranda: | ||
| Average total assets | $42,070,400 | 5,507 |
| Average earning assets | $39,126,000 | 5,486 |
| Average equity | $4,287,000 | 5,590 |
| Average total loans | $10,020,800 | 5,767 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6034% | 5,794 |
| Cost of funding earning assets | 0.3327% | 3,752 |
| Net interest margin | 2.2707% | 5,791 |
| Noninterest income to average assets | 0.2125% | 5,195 |
| Noninterest expense to average assets | 2.6451% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.3330% | 5,833 |
| Return on assets (ROA) | -0.2315% | 5,815 |
| Pretax return on assets | -0.2315% | 5,802 |
| Return on Equity (ROE) | -2.3012% | 5,819 |
| Retained earnings to average equity (ytd only) | -2.3012% | 5,613 |
| Net charge-offs to loans | -0.0133% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4033% | 101 |
| Assets per employee ($millions) | 3.4318% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0448% | 670 |
| Loan loss allowance to noncurrent loans | 185.9813% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 4,404 |
| Noncurrent loans to loans | 1.0995% | 2,056 |
| Net loans and leases to total assets | 23.1485% | 5,833 |
| Net loans and leases to deposits | 25.9925% | 5,847 |
| Net loans and leases to core deposits | 28.2476% | 5,842 |
| Total domestic deposits to total assets | 89.0583% | 874 |
| Equity capital to assets | 10.7450% | 3,318 |
| Core capital (leverage) ratio | 11.4371% | 2,083 |
| Tier 1 risk-based capital ratio | 26.7971% | 653 |
| Total risk-based capital ratio | 27.9325% | 650 |
| Memoranda: | ||
| Average total assets | $42,038,250 | 5,564 |
| Average earning assets | $38,870,500 | 5,543 |
| Average equity | $4,229,500 | 5,664 |
| Average total loans | $9,998,500 | 5,831 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7258% | 5,832 |
| Cost of funding earning assets | 0.3343% | 3,753 |
| Net interest margin | 2.3915% | 5,816 |
| Noninterest income to average assets | 0.2126% | 5,217 |
| Noninterest expense to average assets | 2.5565% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1404% | 5,833 |
| Return on assets (ROA) | -0.1087% | 5,833 |
| Pretax return on assets | -0.1134% | 5,833 |
| Return on Equity (ROE) | -1.1046% | 5,844 |
| Retained earnings to average equity (ytd only) | -1.1046% | 5,450 |
| Net charge-offs to loans | -0.0198% | 4,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0784% | 172 |
| Assets per employee ($millions) | 3.4831% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0560% | 668 |
| Loan loss allowance to noncurrent loans | 297.0149% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 4,667 |
| Noncurrent loans to loans | 0.6922% | 3,003 |
| Net loans and leases to total assets | 22.6811% | 5,908 |
| Net loans and leases to deposits | 25.3598% | 5,930 |
| Net loans and leases to core deposits | 27.5110% | 5,920 |
| Total domestic deposits to total assets | 89.4370% | 715 |
| Equity capital to assets | 10.3979% | 3,745 |
| Core capital (leverage) ratio | 11.0534% | 2,382 |
| Tier 1 risk-based capital ratio | 26.4699% | 691 |
| Total risk-based capital ratio | 27.5801% | 690 |
| Memoranda: | ||
| Average total assets | $42,323,670 | 5,623 |
| Average earning assets | $38,888,000 | 5,607 |
| Average equity | $4,164,330 | 5,744 |
| Average total loans | $10,087,330 | 5,901 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8669% | 5,813 |
| Cost of funding earning assets | 0.3324% | 3,811 |
| Net interest margin | 2.5345% | 5,778 |
| Noninterest income to average assets | 0.2348% | 5,065 |
| Noninterest expense to average assets | 2.5454% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0094% | 5,792 |
| Return on assets (ROA) | 0.0188% | 5,799 |
| Pretax return on assets | 0.0094% | 5,799 |
| Return on Equity (ROE) | 0.1964% | 5,797 |
| Retained earnings to average equity (ytd only) | 0.1964% | 5,059 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7435% | 274 |
| Assets per employee ($millions) | 3.2780% | 5,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9315% | 923 |
| Loan loss allowance to noncurrent loans | 250.6329% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 4,824 |
| Noncurrent loans to loans | 0.7707% | 2,912 |
| Net loans and leases to total assets | 23.5908% | 5,949 |
| Net loans and leases to deposits | 26.1409% | 5,970 |
| Net loans and leases to core deposits | 28.7450% | 5,957 |
| Total domestic deposits to total assets | 90.2450% | 508 |
| Equity capital to assets | 9.6095% | 4,557 |
| Core capital (leverage) ratio | 11.3647% | 2,079 |
| Tier 1 risk-based capital ratio | 23.8395% | 927 |
| Total risk-based capital ratio | 24.8289% | 951 |
| Memoranda: | ||
| Average total assets | $42,587,000 | 5,669 |
| Average earning assets | $38,509,000 | 5,671 |
| Average equity | $4,073,500 | 5,800 |
| Average total loans | $10,291,500 | 5,957 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8197% | 5,866 |
| Cost of funding earning assets | 0.3353% | 3,843 |
| Net interest margin | 2.4844% | 5,838 |
| Noninterest income to average assets | 0.2314% | 5,210 |
| Noninterest expense to average assets | 2.6506% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1379% | 5,940 |
| Return on assets (ROA) | -0.1496% | 5,963 |
| Pretax return on assets | -0.1449% | 5,945 |
| Return on Equity (ROE) | -1.4167% | 5,954 |
| Retained earnings to average equity (ytd only) | -1.4167% | 5,701 |
| Net charge-offs to loans | 0.1055% | 2,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -5.1818% | 4,400 |
| Efficiency ratio | 105.2925% | 195 |
| Assets per employee ($millions) | 3.2738% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9164% | 928 |
| Loan loss allowance to noncurrent loans | 212.9032% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 4,722 |
| Noncurrent loans to loans | 0.9001% | 2,536 |
| Net loans and leases to total assets | 23.8111% | 6,003 |
| Net loans and leases to deposits | 26.3735% | 6,031 |
| Net loans and leases to core deposits | 28.9982% | 6,016 |
| Total domestic deposits to total assets | 90.2843% | 507 |
| Equity capital to assets | 9.5207% | 4,531 |
| Core capital (leverage) ratio | 11.2243% | 2,184 |
| Tier 1 risk-based capital ratio | 23.1978% | 993 |
| Total risk-based capital ratio | 24.1609% | 1,012 |
| Memoranda: | ||
| Average total assets | $42,783,200 | 5,709 |
| Average earning assets | $39,365,600 | 5,698 |
| Average equity | $4,517,600 | 5,757 |
| Average total loans | $10,430,800 | 6,006 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7639% | 5,983 |
| Cost of funding earning assets | 0.3267% | 4,027 |
| Net interest margin | 2.4372% | 5,951 |
| Noninterest income to average assets | 0.2396% | 5,216 |
| Noninterest expense to average assets | 2.6766% | 3,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1681% | 6,035 |
| Return on assets (ROA) | -0.2583% | 6,087 |
| Pretax return on assets | -0.2521% | 6,071 |
| Return on Equity (ROE) | -2.3879% | 6,086 |
| Retained earnings to average equity (ytd only) | -2.3879% | 5,893 |
| Net charge-offs to loans | 0.1403% | 1,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -4.7260% | 4,124 |
| Efficiency ratio | 106.4356% | 183 |
| Assets per employee ($millions) | 3.2064% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9255% | 1,020 |
| Loan loss allowance to noncurrent loans | 618.7500% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 5,452 |
| Noncurrent loans to loans | 0.3112% | 4,485 |
| Net loans and leases to total assets | 24.1945% | 6,088 |
| Net loans and leases to deposits | 27.1124% | 6,115 |
| Net loans and leases to core deposits | 29.9036% | 6,090 |
| Total domestic deposits to total assets | 89.2378% | 905 |
| Equity capital to assets | 10.5631% | 3,530 |
| Core capital (leverage) ratio | 11.2856% | 2,208 |
| Tier 1 risk-based capital ratio | 20.0998% | 1,515 |
| Total risk-based capital ratio | 20.9375% | 1,590 |
| Memoranda: | ||
| Average total assets | $42,839,000 | 5,783 |
| Average earning assets | $39,990,500 | 5,752 |
| Average equity | $4,634,250 | 5,813 |
| Average total loans | $10,455,500 | 6,086 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5972% | 6,116 |
| Cost of funding earning assets | 0.3271% | 4,083 |
| Net interest margin | 2.2701% | 6,114 |
| Noninterest income to average assets | 0.2545% | 5,127 |
| Noninterest expense to average assets | 2.8826% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.5182% | 6,192 |
| Return on assets (ROA) | -0.0925% | 6,073 |
| Pretax return on assets | -0.0833% | 6,060 |
| Return on Equity (ROE) | -0.8490% | 6,077 |
| Retained earnings to average equity (ytd only) | -0.8490% | 5,669 |
| Net charge-offs to loans | 0.2093% | 1,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -10.0000% | 3,843 |
| Efficiency ratio | 121.4425% | 105 |
| Assets per employee ($millions) | 3.3147% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8693% | 1,227 |
| Loan loss allowance to noncurrent loans | 68.9895% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 3,407 |
| Noncurrent loans to loans | 2.7096% | 793 |
| Net loans and leases to total assets | 24.1210% | 6,157 |
| Net loans and leases to deposits | 27.0705% | 6,181 |
| Net loans and leases to core deposits | 29.7567% | 6,157 |
| Total domestic deposits to total assets | 89.1045% | 1,095 |
| Equity capital to assets | 10.7285% | 3,185 |
| Core capital (leverage) ratio | 11.0016% | 2,418 |
| Tier 1 risk-based capital ratio | 19.8417% | 1,588 |
| Total risk-based capital ratio | 20.6580% | 1,662 |
| Memoranda: | ||
| Average total assets | $43,224,330 | 5,836 |
| Average earning assets | $40,351,330 | 5,801 |
| Average equity | $4,711,330 | 5,853 |
| Average total loans | $10,513,000 | 6,154 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4608% | 6,238 |
| Cost of funding earning assets | 0.3150% | 4,280 |
| Net interest margin | 2.1458% | 6,228 |
| Noninterest income to average assets | 0.2772% | 4,959 |
| Noninterest expense to average assets | 2.6056% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2990% | 6,188 |
| Return on assets (ROA) | 0.5082% | 4,763 |
| Pretax return on assets | 0.5267% | 5,106 |
| Return on Equity (ROE) | 4.6262% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.6262% | 3,253 |
| Net charge-offs to loans | 0.3437% | 712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -3.7778% | 3,222 |
| Efficiency ratio | 113.7097% | 167 |
| Assets per employee ($millions) | 3.3461% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 1,243 |
| Loan loss allowance to noncurrent loans | 256.4103% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 5,235 |
| Noncurrent loans to loans | 0.7491% | 3,390 |
| Net loans and leases to total assets | 23.4764% | 6,224 |
| Net loans and leases to deposits | 26.4347% | 6,242 |
| Net loans and leases to core deposits | 29.0378% | 6,220 |
| Total domestic deposits to total assets | 88.8089% | 1,383 |
| Equity capital to assets | 11.0577% | 2,910 |
| Core capital (leverage) ratio | 11.4669% | 2,025 |
| Tier 1 risk-based capital ratio | 23.6249% | 1,034 |
| Total risk-based capital ratio | 24.5916% | 1,042 |
| Memoranda: | ||
| Average total assets | $43,291,000 | 5,886 |
| Average earning assets | $40,637,000 | 5,847 |
| Average equity | $4,755,500 | 5,894 |
| Average total loans | $10,473,500 | 6,222 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9026% | 6,133 |
| Cost of funding earning assets | 0.3596% | 4,146 |
| Net interest margin | 2.5430% | 6,120 |
| Noninterest income to average assets | 0.3538% | 4,574 |
| Noninterest expense to average assets | 2.5865% | 4,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1076% | 5,948 |
| Return on assets (ROA) | 0.3203% | 5,538 |
| Pretax return on assets | 0.3132% | 5,678 |
| Return on Equity (ROE) | 2.9203% | 5,504 |
| Retained earnings to average equity (ytd only) | 1.9614% | 4,814 |
| Net charge-offs to loans | 0.0271% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,217 |
| Efficiency ratio | 96.2633% | 490 |
| Assets per employee ($millions) | 3.5903% | 4,737 |
| Cash dividends to net income (ytd only)* | 32.8358% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9934% | 1,125 |
| Loan loss allowance to noncurrent loans | 256.0976% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 5,267 |
| Noncurrent loans to loans | 0.7784% | 3,368 |
| Net loans and leases to total assets | 23.9654% | 6,315 |
| Net loans and leases to deposits | 26.9491% | 6,331 |
| Net loans and leases to core deposits | 29.6219% | 6,313 |
| Total domestic deposits to total assets | 88.9283% | 1,275 |
| Equity capital to assets | 10.9115% | 2,996 |
| Core capital (leverage) ratio | 11.4432% | 2,024 |
| Tier 1 risk-based capital ratio | 21.8228% | 1,250 |
| Total risk-based capital ratio | 22.7712% | 1,281 |
| Memoranda: | ||
| Average total assets | $41,831,800 | 5,988 |
| Average earning assets | $38,379,200 | 5,974 |
| Average equity | $4,588,600 | 5,964 |
| Average total loans | $11,051,200 | 6,284 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8691% | 6,231 |
| Cost of funding earning assets | 0.3692% | 4,131 |
| Net interest margin | 2.4999% | 6,226 |
| Noninterest income to average assets | 0.3276% | 4,815 |
| Noninterest expense to average assets | 2.6333% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0128% | 6,152 |
| Return on assets (ROA) | 0.1284% | 6,014 |
| Pretax return on assets | 0.1188% | 6,041 |
| Return on Equity (ROE) | 1.1694% | 6,009 |
| Retained earnings to average equity (ytd only) | 1.1694% | 5,420 |
| Net charge-offs to loans | 0.0477% | 3,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -1.7505% | 4,550 |
| Efficiency ratio | 100.8610% | 344 |
| Assets per employee ($millions) | 3.1925% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9899% | 1,277 |
| Loan loss allowance to noncurrent loans | 239.0805% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 5,383 |
| Noncurrent loans to loans | 0.8323% | 3,493 |
| Net loans and leases to total assets | 24.6850% | 6,375 |
| Net loans and leases to deposits | 27.8503% | 6,395 |
| Net loans and leases to core deposits | 30.4838% | 6,380 |
| Total domestic deposits to total assets | 88.6346% | 1,432 |
| Equity capital to assets | 11.1968% | 2,761 |
| Core capital (leverage) ratio | 11.4106% | 2,131 |
| Tier 1 risk-based capital ratio | 20.7317% | 1,506 |
| Total risk-based capital ratio | 21.6332% | 1,545 |
| Memoranda: | ||
| Average total assets | $41,519,000 | 6,070 |
| Average earning assets | $37,920,500 | 6,056 |
| Average equity | $4,560,500 | 6,032 |
| Average total loans | $11,180,250 | 6,350 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9583% | 6,217 |
| Cost of funding earning assets | 0.3810% | 4,096 |
| Net interest margin | 2.5773% | 6,202 |
| Noninterest income to average assets | 0.3275% | 4,794 |
| Noninterest expense to average assets | 2.6250% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0626% | 6,110 |
| Return on assets (ROA) | 0.2794% | 5,708 |
| Pretax return on assets | 0.2649% | 5,849 |
| Return on Equity (ROE) | 2.5598% | 5,670 |
| Retained earnings to average equity (ytd only) | 2.5598% | 4,576 |
| Net charge-offs to loans | 0.0875% | 2,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,671 |
| Efficiency ratio | 98.1982% | 457 |
| Assets per employee ($millions) | 3.2861% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9286% | 1,516 |
| Loan loss allowance to noncurrent loans | 591.4286% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 5,924 |
| Noncurrent loans to loans | 0.3261% | 5,036 |
| Net loans and leases to total assets | 24.6401% | 6,435 |
| Net loans and leases to deposits | 27.7372% | 6,465 |
| Net loans and leases to core deposits | 30.4828% | 6,446 |
| Total domestic deposits to total assets | 88.8340% | 1,452 |
| Equity capital to assets | 11.0185% | 2,857 |
| Core capital (leverage) ratio | 11.5963% | 1,924 |
| Tier 1 risk-based capital ratio | 26.7988% | 714 |
| Total risk-based capital ratio | 27.9542% | 707 |
| Memoranda: | ||
| Average total assets | $41,524,330 | 6,122 |
| Average earning assets | $37,792,000 | 6,116 |
| Average equity | $4,531,670 | 6,084 |
| Average total loans | $11,422,670 | 6,397 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1969% | 6,006 |
| Cost of funding earning assets | 0.3930% | 4,051 |
| Net interest margin | 2.8039% | 5,925 |
| Noninterest income to average assets | 0.3714% | 4,422 |
| Noninterest expense to average assets | 2.6877% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2639% | 5,618 |
| Return on assets (ROA) | 0.3421% | 5,407 |
| Pretax return on assets | 0.3421% | 5,617 |
| Return on Equity (ROE) | 3.1503% | 5,412 |
| Retained earnings to average equity (ytd only) | 3.1503% | 4,237 |
| Net charge-offs to loans | 0.0340% | 2,919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,115 |
| Efficiency ratio | 91.0596% | 947 |
| Assets per employee ($millions) | 3.1645% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 1,965 |
| Loan loss allowance to noncurrent loans | 251.1905% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 5,611 |
| Noncurrent loans to loans | 0.7271% | 4,046 |
| Net loans and leases to total assets | 27.5706% | 6,429 |
| Net loans and leases to deposits | 31.0323% | 6,460 |
| Net loans and leases to core deposits | 34.2307% | 6,405 |
| Total domestic deposits to total assets | 88.8449% | 1,754 |
| Equity capital to assets | 11.0312% | 2,689 |
| Core capital (leverage) ratio | 11.6623% | 1,857 |
| Tier 1 risk-based capital ratio | 21.4803% | 1,377 |
| Total risk-based capital ratio | 22.4291% | 1,415 |
| Memoranda: | ||
| Average total assets | $40,927,000 | 6,205 |
| Average earning assets | $37,662,000 | 6,182 |
| Average equity | $4,444,000 | 6,148 |
| Average total loans | $11,767,500 | 6,449 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0174% | 6,327 |
| Cost of funding earning assets | 0.4531% | 4,081 |
| Net interest margin | 2.5643% | 6,308 |
| Noninterest income to average assets | 0.1485% | 6,198 |
| Noninterest expense to average assets | 2.6800% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.1049% | 6,304 |
| Return on assets (ROA) | 0.1217% | 6,059 |
| Pretax return on assets | 0.1241% | 6,058 |
| Return on Equity (ROE) | 1.1203% | 6,060 |
| Retained earnings to average equity (ytd only) | 1.1203% | 5,325 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1627% | 368 |
| Assets per employee ($millions) | 3.1320% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 2,164 |
| Loan loss allowance to noncurrent loans | 271.7949% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 5,733 |
| Noncurrent loans to loans | 0.6510% | 4,340 |
| Net loans and leases to total assets | 28.9076% | 6,498 |
| Net loans and leases to deposits | 32.4010% | 6,523 |
| Net loans and leases to core deposits | 35.4839% | 6,488 |
| Total domestic deposits to total assets | 89.2180% | 1,476 |
| Equity capital to assets | 10.6838% | 2,950 |
| Core capital (leverage) ratio | 11.7157% | 1,816 |
| Tier 1 risk-based capital ratio | 19.6300% | 1,746 |
| Total risk-based capital ratio | 20.5074% | 1,810 |
| Memoranda: | ||
| Average total assets | $41,082,600 | 6,259 |
| Average earning assets | $38,840,800 | 6,198 |
| Average equity | $4,463,200 | 6,215 |
| Average total loans | $11,604,200 | 6,535 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8727% | 6,512 |
| Cost of funding earning assets | 0.4645% | 4,121 |
| Net interest margin | 2.4081% | 6,508 |
| Noninterest income to average assets | 0.0939% | 6,498 |
| Noninterest expense to average assets | 2.7492% | 3,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3756% | 6,557 |
| Return on assets (ROA) | -0.0680% | 6,392 |
| Pretax return on assets | -0.0648% | 6,372 |
| Return on Equity (ROE) | -0.6234% | 6,395 |
| Retained earnings to average equity (ytd only) | -0.6234% | 6,067 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.6676% | 207 |
| Assets per employee ($millions) | 3.0396% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 2,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 28.9662% | 6,567 |
| Net loans and leases to deposits | 32.4066% | 6,606 |
| Net loans and leases to core deposits | 35.5786% | 6,574 |
| Total domestic deposits to total assets | 89.3838% | 1,368 |
| Equity capital to assets | 10.4517% | 3,339 |
| Core capital (leverage) ratio | 11.8486% | 1,773 |
| Tier 1 risk-based capital ratio | 19.2935% | 1,907 |
| Total risk-based capital ratio | 20.1563% | 1,975 |
| Memoranda: | ||
| Average total assets | $41,174,250 | 6,325 |
| Average earning assets | $39,033,750 | 6,265 |
| Average equity | $4,491,500 | 6,289 |
| Average total loans | $11,509,750 | 6,609 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5882% | 6,703 |
| Cost of funding earning assets | 0.4642% | 4,267 |
| Net interest margin | 2.1240% | 6,724 |
| Noninterest income to average assets | 0.0144% | 6,760 |
| Noninterest expense to average assets | 2.6985% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.7285% | 6,702 |
| Return on assets (ROA) | -0.2684% | 6,559 |
| Pretax return on assets | -0.2061% | 6,501 |
| Return on Equity (ROE) | -2.4284% | 6,547 |
| Retained earnings to average equity (ytd only) | -2.4284% | 6,239 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.7830% | 111 |
| Assets per employee ($millions) | 3.1862% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8411% | 2,286 |
| Loan loss allowance to noncurrent loans | 66.8770% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 0.9585% | 3,865 |
| Noncurrent loans to loans | 2.7529% | 1,650 |
| Net loans and leases to total assets | 27.2887% | 6,649 |
| Net loans and leases to deposits | 30.5867% | 6,685 |
| Net loans and leases to core deposits | 33.4280% | 6,657 |
| Total domestic deposits to total assets | 89.2178% | 1,500 |
| Equity capital to assets | 10.6132% | 3,159 |
| Core capital (leverage) ratio | 11.4511% | 1,976 |
| Tier 1 risk-based capital ratio | 20.7935% | 1,545 |
| Total risk-based capital ratio | 21.7239% | 1,588 |
| Memoranda: | ||
| Average total assets | $41,727,330 | 6,355 |
| Average earning assets | $39,642,000 | 6,293 |
| Average equity | $4,612,000 | 6,293 |
| Average total loans | $11,460,330 | 6,655 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6409% | 6,764 |
| Cost of funding earning assets | 0.4619% | 4,462 |
| Net interest margin | 2.1790% | 6,770 |
| Noninterest income to average assets | 0.4298% | 4,252 |
| Noninterest expense to average assets | 2.9417% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5635% | 6,698 |
| Return on assets (ROA) | -0.2197% | 6,566 |
| Pretax return on assets | -0.0955% | 6,481 |
| Return on Equity (ROE) | -1.9492% | 6,556 |
| Retained earnings to average equity (ytd only) | -1.9492% | 6,071 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.5573% | 234 |
| Assets per employee ($millions) | 3.2285% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9104% | 2,276 |
| Loan loss allowance to noncurrent loans | 65.6347% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 4,009 |
| Noncurrent loans to loans | 2.9107% | 1,726 |
| Net loans and leases to total assets | 25.9346% | 6,732 |
| Net loans and leases to deposits | 29.2403% | 6,763 |
| Net loans and leases to core deposits | 31.4805% | 6,735 |
| Total domestic deposits to total assets | 88.6946% | 1,874 |
| Equity capital to assets | 11.1911% | 2,748 |
| Core capital (leverage) ratio | 11.5533% | 1,842 |
| Tier 1 risk-based capital ratio | 21.9381% | 1,344 |
| Total risk-based capital ratio | 22.9131% | 1,364 |
| Memoranda: | ||
| Average total assets | $41,881,000 | 6,406 |
| Average earning assets | $39,835,500 | 6,340 |
| Average equity | $4,720,000 | 6,328 |
| Average total loans | $11,433,000 | 6,723 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8920% | 6,820 |
| Cost of funding earning assets | 0.5789% | 4,551 |
| Net interest margin | 2.3131% | 6,833 |
| Noninterest income to average assets | 0.4468% | 4,268 |
| Noninterest expense to average assets | 3.3791% | 2,107 |
| Loan and lease loss provision to assets | 0.2351% | 2,784 |
| Net operating income to assets | -0.8160% | 6,680 |
| Return on assets (ROA) | 0.5056% | 4,928 |
| Pretax return on assets | 0.3527% | 5,706 |
| Return on Equity (ROE) | 4.4831% | 4,944 |
| Retained earnings to average equity (ytd only) | 4.4831% | 3,079 |
| Net charge-offs to loans | 0.2064% | 3,731 |
| Credit loss provision to net charge-offs | 384.6154% | 628 |
| Earnings coverage of net charge-offs (x) | -12.0000% | 5,949 |
| Efficiency ratio | 127.7333% | 165 |
| Assets per employee ($millions) | 3.2147% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 2,578 |
| Loan loss allowance to noncurrent loans | 51.9608% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 1.1677% | 3,709 |
| Noncurrent loans to loans | 3.4667% | 1,442 |
| Net loans and leases to total assets | 27.6543% | 6,768 |
| Net loans and leases to deposits | 31.2554% | 6,806 |
| Net loans and leases to core deposits | 33.6605% | 6,775 |
| Total domestic deposits to total assets | 88.4784% | 1,911 |
| Equity capital to assets | 11.3493% | 2,582 |
| Core capital (leverage) ratio | 11.7408% | 1,712 |
| Tier 1 risk-based capital ratio | 23.9892% | 971 |
| Total risk-based capital ratio | 25.0500% | 973 |
| Memoranda: | ||
| Average total assets | $42,526,200 | 6,412 |
| Average earning assets | $40,421,200 | 6,349 |
| Average equity | $4,795,800 | 6,355 |
| Average total loans | $12,597,000 | 6,754 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0453% | 6,879 |
| Cost of funding earning assets | 0.6045% | 4,600 |
| Net interest margin | 2.4408% | 6,867 |
| Noninterest income to average assets | 0.4402% | 4,364 |
| Noninterest expense to average assets | 3.3996% | 1,999 |
| Loan and lease loss provision to assets | 0.3122% | 2,111 |
| Net operating income to assets | -0.6025% | 6,742 |
| Return on assets (ROA) | 1.0739% | 2,397 |
| Pretax return on assets | 0.7243% | 4,776 |
| Return on Equity (ROE) | 9.5375% | 2,572 |
| Retained earnings to average equity (ytd only) | 9.5375% | 1,049 |
| Net charge-offs to loans | 0.3333% | 2,792 |
| Credit loss provision to net charge-offs | 312.5000% | 856 |
| Earnings coverage of net charge-offs (x) | -6.4057% | 5,725 |
| Efficiency ratio | 123.1900% | 174 |
| Assets per employee ($millions) | 3.2116% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5605% | 3,689 |
| Loan loss allowance to noncurrent loans | 251.2195% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 5,724 |
| Noncurrent loans to loans | 0.6212% | 5,200 |
| Net loans and leases to total assets | 31.1250% | 6,774 |
| Net loans and leases to deposits | 35.3269% | 6,830 |
| Net loans and leases to core deposits | 38.0527% | 6,808 |
| Total domestic deposits to total assets | 88.1057% | 1,984 |
| Equity capital to assets | 11.7602% | 2,473 |
| Core capital (leverage) ratio | 12.1042% | 1,593 |
| Tier 1 risk-based capital ratio | 25.4313% | 871 |
| Total risk-based capital ratio | 26.4955% | 875 |
| Memoranda: | ||
| Average total assets | $42,710,000 | 6,481 |
| Average earning assets | $40,586,750 | 6,414 |
| Average equity | $4,809,000 | 6,423 |
| Average total loans | $12,804,000 | 6,837 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1866% | 6,880 |
| Cost of funding earning assets | 0.6402% | 4,528 |
| Net interest margin | 2.5463% | 6,852 |
| Noninterest income to average assets | 0.4416% | 4,355 |
| Noninterest expense to average assets | 2.7841% | 4,080 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0790% | 6,205 |
| Return on assets (ROA) | 1.4827% | 1,143 |
| Pretax return on assets | 1.4827% | 1,909 |
| Return on Equity (ROE) | 13.3603% | 1,262 |
| Retained earnings to average equity (ytd only) | 13.3603% | 400 |
| Net charge-offs to loans | 0.0158% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,555 |
| Efficiency ratio | 97.2403% | 646 |
| Assets per employee ($millions) | 3.2992% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 6,095 |
| Loan loss allowance to noncurrent loans | 130.4762% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 4,643 |
| Noncurrent loans to loans | 0.7773% | 4,950 |
| Net loans and leases to total assets | 31.1758% | 6,843 |
| Net loans and leases to deposits | 35.3132% | 6,890 |
| Net loans and leases to core deposits | 37.9459% | 6,871 |
| Total domestic deposits to total assets | 88.2837% | 1,967 |
| Equity capital to assets | 11.5531% | 2,539 |
| Core capital (leverage) ratio | 11.5231% | 1,889 |
| Tier 1 risk-based capital ratio | 22.2394% | 1,246 |
| Total risk-based capital ratio | 22.8622% | 1,343 |
| Memoranda: | ||
| Average total assets | $43,029,670 | 6,509 |
| Average earning assets | $40,921,670 | 6,451 |
| Average equity | $4,775,330 | 6,458 |
| Average total loans | $12,671,670 | 6,896 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1730% | 6,966 |
| Cost of funding earning assets | 0.6834% | 4,424 |
| Net interest margin | 2.4896% | 6,961 |
| Noninterest income to average assets | 0.5383% | 3,639 |
| Noninterest expense to average assets | 2.8121% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0928% | 6,247 |
| Return on assets (ROA) | 1.2622% | 1,736 |
| Pretax return on assets | 1.2622% | 2,686 |
| Return on Equity (ROE) | 11.6103% | 1,805 |
| Retained earnings to average equity (ytd only) | 11.6103% | 903 |
| Net charge-offs to loans | 0.0326% | 4,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,788 |
| Efficiency ratio | 96.8051% | 684 |
| Assets per employee ($millions) | 3.3833% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 6,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 5,375 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 29.2727% | 6,937 |
| Net loans and leases to deposits | 32.8939% | 6,985 |
| Net loans and leases to core deposits | 35.5016% | 6,954 |
| Total domestic deposits to total assets | 88.9912% | 1,697 |
| Equity capital to assets | 10.8587% | 3,074 |
| Core capital (leverage) ratio | 10.9669% | 2,285 |
| Tier 1 risk-based capital ratio | 22.6890% | 1,176 |
| Total risk-based capital ratio | 23.3483% | 1,242 |
| Memoranda: | ||
| Average total assets | $43,100,000 | 6,556 |
| Average earning assets | $40,970,500 | 6,492 |
| Average equity | $4,685,500 | 6,518 |
| Average total loans | $12,253,500 | 6,970 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4647% | 7,013 |
| Cost of funding earning assets | 0.8357% | 4,579 |
| Net interest margin | 2.6291% | 6,984 |
| Noninterest income to average assets | 0.4869% | 3,946 |
| Noninterest expense to average assets | 3.2808% | 2,590 |
| Loan and lease loss provision to assets | 0.5603% | 1,861 |
| Net operating income to assets | -0.8759% | 6,687 |
| Return on assets (ROA) | -0.7168% | 6,647 |
| Pretax return on assets | -0.7168% | 6,605 |
| Return on Equity (ROE) | -6.2816% | 6,594 |
| Retained earnings to average equity (ytd only) | -6.2816% | 6,526 |
| Net charge-offs to loans | 2.0685% | 654 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | -0.5633% | 6,100 |
| Efficiency ratio | 110.6436% | 426 |
| Assets per employee ($millions) | 3.2475% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 5,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 5,394 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 26.9015% | 7,093 |
| Net loans and leases to deposits | 30.2474% | 7,130 |
| Net loans and leases to core deposits | 32.7433% | 7,101 |
| Total domestic deposits to total assets | 88.9381% | 1,583 |
| Equity capital to assets | 10.8842% | 3,097 |
| Core capital (leverage) ratio | 11.1628% | 2,150 |
| Tier 1 risk-based capital ratio | 22.8322% | 1,117 |
| Total risk-based capital ratio | 23.5203% | 1,172 |
| Memoranda: | ||
| Average total assets | $40,873,600 | 6,642 |
| Average earning assets | $38,531,000 | 6,577 |
| Average equity | $4,664,400 | 6,546 |
| Average total loans | $11,070,800 | 7,075 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5653% | 7,054 |
| Cost of funding earning assets | 0.8704% | 4,635 |
| Net interest margin | 2.6950% | 6,995 |
| Noninterest income to average assets | 0.4835% | 4,011 |
| Noninterest expense to average assets | 3.0489% | 3,355 |
| Loan and lease loss provision to assets | 0.7532% | 1,262 |
| Net operating income to assets | -0.7828% | 6,786 |
| Return on assets (ROA) | -0.5690% | 6,720 |
| Pretax return on assets | -0.5690% | 6,663 |
| Return on Equity (ROE) | -4.9268% | 6,676 |
| Retained earnings to average equity (ytd only) | -4.9268% | 6,591 |
| Net charge-offs to loans | 2.7847% | 363 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | -0.0393% | 5,626 |
| Efficiency ratio | 100.9804% | 636 |
| Assets per employee ($millions) | 3.1312% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 5,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 4,811 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 27.3178% | 7,169 |
| Net loans and leases to deposits | 31.0328% | 7,194 |
| Net loans and leases to core deposits | 33.4597% | 7,174 |
| Total domestic deposits to total assets | 88.0288% | 2,019 |
| Equity capital to assets | 11.7796% | 2,425 |
| Core capital (leverage) ratio | 11.6949% | 1,889 |
| Tier 1 risk-based capital ratio | 24.7655% | 939 |
| Total risk-based capital ratio | 25.4928% | 973 |
| Memoranda: | ||
| Average total assets | $40,537,750 | 6,713 |
| Average earning assets | $38,144,250 | 6,655 |
| Average equity | $4,681,750 | 6,592 |
| Average total loans | $10,964,750 | 7,152 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5490% | 7,135 |
| Cost of funding earning assets | 0.8991% | 4,683 |
| Net interest margin | 2.6499% | 7,080 |
| Noninterest income to average assets | 0.5089% | 3,788 |
| Noninterest expense to average assets | 3.0779% | 3,338 |
| Loan and lease loss provision to assets | 1.1314% | 710 |
| Net operating income to assets | -1.2104% | 7,008 |
| Return on assets (ROA) | -1.1709% | 7,006 |
| Pretax return on assets | -1.1709% | 6,955 |
| Return on Equity (ROE) | -10.2067% | 6,945 |
| Retained earnings to average equity (ytd only) | -10.2067% | 6,886 |
| Net charge-offs to loans | 4.2146% | 178 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | -0.0699% | 5,321 |
| Efficiency ratio | 102.6359% | 644 |
| Assets per employee ($millions) | 3.1648% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,306 |
| Loan loss allowance to noncurrent loans | 89.0323% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3660% | 4,177 |
| Noncurrent loans to loans | 1.4045% | 4,310 |
| Net loans and leases to total assets | 26.4887% | 7,276 |
| Net loans and leases to deposits | 29.9453% | 7,309 |
| Net loans and leases to core deposits | 32.2369% | 7,294 |
| Total domestic deposits to total assets | 88.4571% | 1,878 |
| Equity capital to assets | 11.3631% | 2,630 |
| Core capital (leverage) ratio | 11.3007% | 2,048 |
| Tier 1 risk-based capital ratio | 24.7345% | 927 |
| Total risk-based capital ratio | 25.4709% | 959 |
| Memoranda: | ||
| Average total assets | $40,481,670 | 6,770 |
| Average earning assets | $38,039,000 | 6,718 |
| Average equity | $4,644,000 | 6,638 |
| Average total loans | $10,867,000 | 7,225 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6312% | 7,115 |
| Cost of funding earning assets | 0.9237% | 4,755 |
| Net interest margin | 2.7075% | 7,008 |
| Noninterest income to average assets | 0.5977% | 3,183 |
| Noninterest expense to average assets | 3.0883% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0498% | 6,235 |
| Return on assets (ROA) | 0.0498% | 6,275 |
| Pretax return on assets | 0.0498% | 6,265 |
| Return on Equity (ROE) | 0.4321% | 6,275 |
| Retained earnings to average equity (ytd only) | 0.4321% | 5,647 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4127% | 812 |
| Assets per employee ($millions) | 2.8570% | 6,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 5,520 |
| Loan loss allowance to noncurrent loans | 89.0323% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.4051% | 4,171 |
| Noncurrent loans to loans | 1.3711% | 4,414 |
| Net loans and leases to total assets | 27.9189% | 7,299 |
| Net loans and leases to deposits | 31.5845% | 7,331 |
| Net loans and leases to core deposits | 35.5478% | 7,277 |
| Total domestic deposits to total assets | 88.3944% | 2,146 |
| Equity capital to assets | 11.4381% | 2,322 |
| Core capital (leverage) ratio | 12.0415% | 1,541 |
| Tier 1 risk-based capital ratio | 25.7959% | 805 |
| Total risk-based capital ratio | 26.5256% | 831 |
| Memoranda: | ||
| Average total assets | $40,151,500 | 6,828 |
| Average earning assets | $37,673,000 | 6,778 |
| Average equity | $4,628,500 | 6,675 |
| Average total loans | $10,782,500 | 7,288 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7676% | 7,271 |
| Cost of funding earning assets | 0.7919% | 6,603 |
| Net interest margin | 2.9757% | 6,781 |
| Noninterest income to average assets | 0.6476% | 3,166 |
| Noninterest expense to average assets | 3.7069% | 1,685 |
| Loan and lease loss provision to assets | 0.0284% | 6,844 |
| Net operating income to assets | -0.2500% | 6,164 |
| Return on assets (ROA) | -0.0795% | 6,031 |
| Pretax return on assets | -0.0994% | 5,997 |
| Return on Equity (ROE) | -0.5736% | 6,021 |
| Retained earnings to average equity (ytd only) | -0.5736% | 5,719 |
| Net charge-offs to loans | 0.0280% | 6,525 |
| Credit loss provision to net charge-offs | 333.3333% | 768 |
| Earnings coverage of net charge-offs (x) | -33.3333% | 6,831 |
| Efficiency ratio | 108.2988% | 570 |
| Assets per employee ($millions) | 2.6870% | 6,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 4,781 |
| Loan loss allowance to noncurrent loans | 74.1935% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.4713% | 4,117 |
| Noncurrent loans to loans | 1.8129% | 3,799 |
| Net loans and leases to total assets | 25.1135% | 7,451 |
| Net loans and leases to deposits | 28.4606% | 7,480 |
| Net loans and leases to core deposits | 31.5386% | 7,455 |
| Total domestic deposits to total assets | 88.2397% | 2,098 |
| Equity capital to assets | 11.6164% | 2,176 |
| Core capital (leverage) ratio | 11.8139% | 1,662 |
| Tier 1 risk-based capital ratio | 26.6370% | 691 |
| Total risk-based capital ratio | 27.4254% | 725 |
| Memoranda: | ||
| Average total assets | $35,204,200 | 7,037 |
| Average earning assets | $32,832,800 | 6,989 |
| Average equity | $4,881,600 | 6,707 |
| Average total loans | $10,732,000 | 7,362 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8934% | 7,346 |
| Cost of funding earning assets | 0.7517% | 6,905 |
| Net interest margin | 3.1418% | 6,503 |
| Noninterest income to average assets | 0.6995% | 2,816 |
| Noninterest expense to average assets | 3.8864% | 1,223 |
| Loan and lease loss provision to assets | 0.0157% | 6,887 |
| Net operating income to assets | -0.2790% | 6,412 |
| Return on assets (ROA) | 0.0157% | 6,091 |
| Pretax return on assets | 0.0157% | 6,066 |
| Return on Equity (ROE) | 0.1081% | 6,099 |
| Retained earnings to average equity (ytd only) | 0.1081% | 5,733 |
| Net charge-offs to loans | -0.0123% | 7,291 |
| Credit loss provision to net charge-offs | -400.0000% | 6,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2668% | 573 |
| Assets per employee ($millions) | 2.3827% | 7,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 5,357 |
| Loan loss allowance to noncurrent loans | 26.1538% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 2.5937% | 2,785 |
| Noncurrent loans to loans | 4.6936% | 1,515 |
| Net loans and leases to total assets | 30.6175% | 7,449 |
| Net loans and leases to deposits | 35.6020% | 7,482 |
| Net loans and leases to core deposits | 36.9858% | 7,482 |
| Total domestic deposits to total assets | 85.9993% | 3,075 |
| Equity capital to assets | 13.8608% | 1,212 |
| Core capital (leverage) ratio | 14.0251% | 915 |
| Tier 1 risk-based capital ratio | 28.5382% | 593 |
| Total risk-based capital ratio | 29.3296% | 603 |
| Memoranda: | ||
| Average total assets | $33,929,000 | 7,163 |
| Average earning assets | $31,574,000 | 7,122 |
| Average equity | $4,931,500 | 6,775 |
| Average total loans | $10,850,000 | 7,453 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 7,438 |
| Cost of funding earning assets | 0.7231% | 7,136 |
| Net interest margin | 3.1634% | 6,424 |
| Noninterest income to average assets | 0.7202% | 2,574 |
| Noninterest expense to average assets | 3.8890% | 1,204 |
| Loan and lease loss provision to assets | 0.0300% | 6,644 |
| Net operating income to assets | -0.2581% | 6,425 |
| Return on assets (ROA) | -0.2641% | 6,477 |
| Pretax return on assets | -0.2641% | 6,388 |
| Return on Equity (ROE) | -1.7872% | 6,403 |
| Retained earnings to average equity (ytd only) | -1.7872% | 6,113 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2295% | 628 |
| Assets per employee ($millions) | 2.5289% | 7,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 5,224 |
| Loan loss allowance to noncurrent loans | 19.2908% | 6,981 |
| Noncurrent assets plus other real estate owned to assets | 3.1409% | 2,259 |
| Noncurrent loans to loans | 6.4425% | 935 |
| Net loans and leases to total assets | 30.5248% | 7,520 |
| Net loans and leases to deposits | 35.4921% | 7,543 |
| Net loans and leases to core deposits | 36.1862% | 7,566 |
| Total domestic deposits to total assets | 86.0044% | 3,085 |
| Equity capital to assets | 13.8261% | 1,235 |
| Core capital (leverage) ratio | 14.2017% | 875 |
| Tier 1 risk-based capital ratio | 30.0235% | 507 |
| Total risk-based capital ratio | 30.8644% | 515 |
| Memoranda: | ||
| Average total assets | $33,325,000 | 7,244 |
| Average earning assets | $30,979,330 | 7,189 |
| Average equity | $4,924,000 | 6,803 |
| Average total loans | $10,773,670 | 7,514 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 7,470 |
| Cost of funding earning assets | 0.6950% | 7,341 |
| Net interest margin | 3.2877% | 6,015 |
| Noninterest income to average assets | 0.7929% | 2,054 |
| Noninterest expense to average assets | 4.0637% | 944 |
| Loan and lease loss provision to assets | 0.0496% | 6,168 |
| Net operating income to assets | -0.2726% | 6,632 |
| Return on assets (ROA) | -0.2726% | 6,691 |
| Pretax return on assets | -0.2726% | 6,610 |
| Return on Equity (ROE) | -1.7819% | 6,618 |
| Retained earnings to average equity (ytd only) | -1.7819% | 6,179 |
| Net charge-offs to loans | -0.0374% | 7,259 |
| Credit loss provision to net charge-offs | -400.0000% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8065% | 681 |
| Assets per employee ($millions) | 2.0520% | 7,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 5,372 |
| Loan loss allowance to noncurrent loans | 19.3457% | 7,047 |
| Noncurrent assets plus other real estate owned to assets | 3.5819% | 1,959 |
| Noncurrent loans to loans | 6.3265% | 1,001 |
| Net loans and leases to total assets | 33.4308% | 7,516 |
| Net loans and leases to deposits | 39.4579% | 7,536 |
| Net loans and leases to core deposits | 40.3159% | 7,569 |
| Total domestic deposits to total assets | 84.7253% | 3,792 |
| Equity capital to assets | 15.0128% | 881 |
| Core capital (leverage) ratio | 15.3009% | 690 |
| Tier 1 risk-based capital ratio | 31.9929% | 440 |
| Total risk-based capital ratio | 32.8851% | 444 |
| Memoranda: | ||
| Average total assets | $32,285,500 | 7,366 |
| Average earning assets | $29,929,500 | 7,325 |
| Average equity | $4,938,500 | 6,865 |
| Average total loans | $10,689,000 | 7,620 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 6,974 |
| Cost of funding earning assets | 0.9218% | 7,357 |
| Net interest margin | 3.8649% | 3,413 |
| Noninterest income to average assets | 0.8268% | 2,280 |
| Noninterest expense to average assets | 4.3355% | 946 |
| Loan and lease loss provision to assets | 0.6224% | 3,315 |
| Net operating income to assets | -0.3666% | 6,042 |
| Return on assets (ROA) | -0.1831% | 5,820 |
| Pretax return on assets | -0.3265% | 5,858 |
| Return on Equity (ROE) | -1.2087% | 5,722 |
| Retained earnings to average equity (ytd only) | -1.2087% | 5,313 |
| Net charge-offs to loans | 3.8235% | 453 |
| Credit loss provision to net charge-offs | 48.0000% | 6,770 |
| Earnings coverage of net charge-offs (x) | 0.0071% | 6,186 |
| Efficiency ratio | 99.7893% | 1,112 |
| Assets per employee ($millions) | 1.9837% | 7,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 4,898 |
| Loan loss allowance to noncurrent loans | 26.8443% | 6,694 |
| Noncurrent assets plus other real estate owned to assets | 3.0278% | 2,308 |
| Noncurrent loans to loans | 4.7536% | 1,458 |
| Net loans and leases to total assets | 31.9323% | 7,660 |
| Net loans and leases to deposits | 37.8850% | 7,682 |
| Net loans and leases to core deposits | 44.7521% | 7,690 |
| Total domestic deposits to total assets | 84.2875% | 3,901 |
| Equity capital to assets | 15.5897% | 770 |
| Core capital (leverage) ratio | 15.2688% | 729 |
| Tier 1 risk-based capital ratio | 32.9832% | 414 |
| Total risk-based capital ratio | 33.8652% | 410 |
| Memoranda: | ||
| Average total assets | $32,775,600 | 7,372 |
| Average earning assets | $29,832,800 | 7,367 |
| Average equity | $4,964,200 | 6,953 |
| Average total loans | $11,115,400 | 7,653 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 6,742 |
| Cost of funding earning assets | 0.9844% | 7,425 |
| Net interest margin | 3.9730% | 2,930 |
| Noninterest income to average assets | 0.8395% | 2,247 |
| Noninterest expense to average assets | 3.9755% | 1,308 |
| Loan and lease loss provision to assets | 0.8193% | 2,324 |
| Net operating income to assets | -0.3552% | 6,269 |
| Return on assets (ROA) | -0.3350% | 6,259 |
| Pretax return on assets | -0.3350% | 6,136 |
| Return on Equity (ROE) | -2.2273% | 6,124 |
| Retained earnings to average equity (ytd only) | -2.2273% | 5,763 |
| Net charge-offs to loans | 5.0023% | 229 |
| Credit loss provision to net charge-offs | 47.7647% | 6,346 |
| Earnings coverage of net charge-offs (x) | 0.2706% | 5,740 |
| Efficiency ratio | 89.5455% | 1,731 |
| Assets per employee ($millions) | 1.9329% | 7,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 5,143 |
| Loan loss allowance to noncurrent loans | 26.6940% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 3.1042% | 2,208 |
| Noncurrent loans to loans | 4.4786% | 1,565 |
| Net loans and leases to total assets | 34.7410% | 7,665 |
| Net loans and leases to deposits | 41.3135% | 7,688 |
| Net loans and leases to core deposits | 49.4842% | 7,697 |
| Total domestic deposits to total assets | 84.0911% | 3,685 |
| Equity capital to assets | 15.7440% | 845 |
| Core capital (leverage) ratio | 15.0687% | 843 |
| Tier 1 risk-based capital ratio | 33.3675% | 424 |
| Total risk-based capital ratio | 34.2570% | 431 |
| Memoranda: | ||
| Average total assets | $33,034,750 | 7,424 |
| Average earning assets | $29,934,250 | 7,418 |
| Average equity | $4,968,250 | 7,008 |
| Average total loans | $11,327,750 | 7,716 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 6,759 |
| Cost of funding earning assets | 1.0387% | 7,481 |
| Net interest margin | 3.9643% | 2,846 |
| Noninterest income to average assets | 0.8121% | 2,355 |
| Noninterest expense to average assets | 3.9066% | 1,470 |
| Loan and lease loss provision to assets | 0.0178% | 7,041 |
| Net operating income to assets | 0.3379% | 4,727 |
| Return on assets (ROA) | 0.3379% | 4,841 |
| Pretax return on assets | 0.4624% | 4,742 |
| Return on Equity (ROE) | 2.2794% | 5,189 |
| Retained earnings to average equity (ytd only) | 2.2794% | 4,067 |
| Net charge-offs to loans | 0.0697% | 5,536 |
| Credit loss provision to net charge-offs | 75.0000% | 5,318 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,321 |
| Efficiency ratio | 89.0541% | 1,902 |
| Assets per employee ($millions) | 2.2522% | 7,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1095% | 517 |
| Loan loss allowance to noncurrent loans | 48.4807% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 3.5462% | 1,755 |
| Noncurrent loans to loans | 6.4139% | 831 |
| Net loans and leases to total assets | 32.3743% | 7,826 |
| Net loans and leases to deposits | 38.1200% | 7,861 |
| Net loans and leases to core deposits | 44.9879% | 7,857 |
| Total domestic deposits to total assets | 84.9273% | 3,298 |
| Equity capital to assets | 14.8033% | 1,083 |
| Core capital (leverage) ratio | 15.0048% | 920 |
| Tier 1 risk-based capital ratio | 32.3385% | 488 |
| Total risk-based capital ratio | 33.6019% | 476 |
| Memoranda: | ||
| Average total assets | $33,737,670 | 7,457 |
| Average earning assets | $30,421,330 | 7,464 |
| Average equity | $5,001,330 | 7,062 |
| Average total loans | $11,479,000 | 7,783 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2785% | 5,989 |
| Cost of funding earning assets | 1.1359% | 7,450 |
| Net interest margin | 4.1426% | 2,114 |
| Noninterest income to average assets | 0.8305% | 2,175 |
| Noninterest expense to average assets | 3.7253% | 1,605 |
| Loan and lease loss provision to assets | 0.0119% | 6,691 |
| Net operating income to assets | 0.5102% | 4,370 |
| Return on assets (ROA) | 0.5102% | 4,558 |
| Pretax return on assets | 0.7712% | 4,182 |
| Return on Equity (ROE) | 3.4390% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.4390% | 3,974 |
| Net charge-offs to loans | 0.0691% | 4,509 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 987 |
| Efficiency ratio | 82.6316% | 2,461 |
| Assets per employee ($millions) | 2.0878% | 7,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9685% | 494 |
| Loan loss allowance to noncurrent loans | 43.0147% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 2.7482% | 2,065 |
| Noncurrent loans to loans | 6.9012% | 593 |
| Net loans and leases to total assets | 34.3462% | 7,795 |
| Net loans and leases to deposits | 40.4877% | 7,826 |
| Net loans and leases to core deposits | 49.3081% | 7,808 |
| Total domestic deposits to total assets | 84.8312% | 3,287 |
| Equity capital to assets | 15.0102% | 1,102 |
| Core capital (leverage) ratio | 14.7812% | 1,012 |
| Tier 1 risk-based capital ratio | 31.7027% | 546 |
| Total risk-based capital ratio | 32.9637% | 532 |
| Memoranda: | ||
| Average total assets | $33,715,000 | 7,503 |
| Average earning assets | $29,933,000 | 7,520 |
| Average equity | $5,001,500 | 7,109 |
| Average total loans | $11,574,500 | 7,825 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9726% | 5,682 |
| Cost of funding earning assets | 1.5246% | 7,569 |
| Net interest margin | 4.4480% | 1,544 |
| Noninterest income to average assets | 1.1651% | 1,140 |
| Noninterest expense to average assets | 3.7648% | 1,821 |
| Loan and lease loss provision to assets | 0.3622% | 3,515 |
| Net operating income to assets | 0.6682% | 4,033 |
| Return on assets (ROA) | 0.6682% | 3,880 |
| Pretax return on assets | 1.0107% | 3,342 |
| Return on Equity (ROE) | 4.3518% | 4,659 |
| Retained earnings to average equity (ytd only) | -52.6239% | 8,154 |
| Net charge-offs to loans | 0.0233% | 6,526 |
| Credit loss provision to net charge-offs | 4,300.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 284 |
| Efficiency ratio | 73.2787% | 3,697 |
| Assets per employee ($millions) | 2.1266% | 7,794 |
| Cash dividends to net income (ytd only)* | 1,309.2437% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1082% | 399 |
| Loan loss allowance to noncurrent loans | 40.5998% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 2.8508% | 1,644 |
| Noncurrent loans to loans | 7.6556% | 369 |
| Net loans and leases to total assets | 32.2489% | 7,937 |
| Net loans and leases to deposits | 37.8667% | 7,977 |
| Net loans and leases to core deposits | 46.2859% | 7,966 |
| Total domestic deposits to total assets | 85.1643% | 2,770 |
| Equity capital to assets | 14.6623% | 1,262 |
| Core capital (leverage) ratio | 14.6011% | 1,121 |
| Tier 1 risk-based capital ratio | 31.7379% | 559 |
| Total risk-based capital ratio | 32.9985% | 550 |
| Memoranda: | ||
| Average total assets | $35,619,400 | 7,402 |
| Average earning assets | $31,812,000 | 7,417 |
| Average equity | $5,469,000 | 6,991 |
| Average total loans | $12,893,400 | 7,777 |