Home > Farmers Deposit Bank of Middleburg, Inc. > Performance and Condition Ratios
Farmers Deposit Bank of Middleburg, Inc., Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8951% | 264 |
| Cost of funding earning assets | 0.5000% | 4,093 |
| Net interest margin | 5.3951% | 132 |
| Noninterest income to average assets | 0.9838% | 1,010 |
| Noninterest expense to average assets | 4.2118% | 421 |
| Loan and lease loss provision to assets | 0.1606% | 1,305 |
| Net operating income to assets | 1.3296% | 1,582 |
| Return on assets (ROA) | 1.3296% | 1,665 |
| Pretax return on assets | 1.3296% | 2,397 |
| Return on Equity (ROE) | 10.6273% | 2,039 |
| Retained earnings to average equity (ytd only) | 5.9912% | 1,874 |
| Net charge-offs to loans | -0.0270% | 4,693 |
| Credit loss provision to net charge-offs | -800.0000% | 4,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8654% | 1,619 |
| Assets per employee ($millions) | 3.4380% | 4,533 |
| Cash dividends to net income (ytd only)* | 43.6242% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 1,037 |
| Loan loss allowance to noncurrent loans | 90.6526% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.3156% | 832 |
| Noncurrent loans to loans | 1.7366% | 787 |
| Net loans and leases to total assets | 71.9023% | 2,107 |
| Net loans and leases to deposits | 82.8846% | 2,457 |
| Net loans and leases to core deposits | 85.2414% | 2,853 |
| Total domestic deposits to total assets | 86.7499% | 1,732 |
| Equity capital to assets | 12.9861% | 1,533 |
| Core capital (leverage) ratio | 10.5876% | 2,868 |
| Tier 1 risk-based capital ratio | 14.3489% | 3,090 |
| Total risk-based capital ratio | 15.6019% | 2,997 |
| Memoranda: | ||
| Average total assets | $44,826,800 | 4,834 |
| Average earning assets | $39,202,000 | 4,850 |
| Average equity | $5,608,200 | 4,809 |
| Average total loans | $33,325,000 | 4,570 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9519% | 261 |
| Cost of funding earning assets | 0.4863% | 4,196 |
| Net interest margin | 5.4655% | 126 |
| Noninterest income to average assets | 0.9897% | 958 |
| Noninterest expense to average assets | 4.3898% | 334 |
| Loan and lease loss provision to assets | 0.1605% | 1,166 |
| Net operating income to assets | 1.2156% | 2,140 |
| Return on assets (ROA) | 1.2156% | 2,215 |
| Pretax return on assets | 1.2156% | 2,934 |
| Return on Equity (ROE) | 9.8092% | 2,511 |
| Retained earnings to average equity (ytd only) | 5.1325% | 2,829 |
| Net charge-offs to loans | -0.1513% | 5,067 |
| Credit loss provision to net charge-offs | -142.1053% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1340% | 1,317 |
| Assets per employee ($millions) | 3.4485% | 4,549 |
| Cash dividends to net income (ytd only)* | 47.6766% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 992 |
| Loan loss allowance to noncurrent loans | 200.3817% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 2,254 |
| Noncurrent loans to loans | 0.7992% | 1,974 |
| Net loans and leases to total assets | 71.9547% | 2,183 |
| Net loans and leases to deposits | 82.7871% | 2,586 |
| Net loans and leases to core deposits | 85.7082% | 2,934 |
| Total domestic deposits to total assets | 86.9153% | 1,567 |
| Equity capital to assets | 12.6698% | 1,796 |
| Core capital (leverage) ratio | 10.3339% | 3,279 |
| Tier 1 risk-based capital ratio | 13.8349% | 3,409 |
| Total risk-based capital ratio | 15.0879% | 3,317 |
| Memoranda: | ||
| Average total assets | $44,860,000 | 4,900 |
| Average earning assets | $39,202,250 | 4,924 |
| Average equity | $5,559,250 | 4,881 |
| Average total loans | $33,493,750 | 4,625 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9374% | 265 |
| Cost of funding earning assets | 0.4642% | 4,262 |
| Net interest margin | 5.4732% | 129 |
| Noninterest income to average assets | 0.9405% | 982 |
| Noninterest expense to average assets | 4.4217% | 329 |
| Loan and lease loss provision to assets | 0.1605% | 1,130 |
| Net operating income to assets | 1.1411% | 2,366 |
| Return on assets (ROA) | 1.1411% | 2,441 |
| Pretax return on assets | 1.1411% | 3,114 |
| Return on Equity (ROE) | 9.2770% | 2,742 |
| Retained earnings to average equity (ytd only) | 4.5660% | 2,995 |
| Net charge-offs to loans | -0.1779% | 5,113 |
| Credit loss provision to net charge-offs | -120.0000% | 3,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2586% | 1,240 |
| Assets per employee ($millions) | 3.2134% | 4,766 |
| Cash dividends to net income (ytd only)* | 50.7813% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 1,189 |
| Loan loss allowance to noncurrent loans | 254.5918% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 2,770 |
| Noncurrent loans to loans | 0.6001% | 2,476 |
| Net loans and leases to total assets | 71.4946% | 2,289 |
| Net loans and leases to deposits | 82.0071% | 2,734 |
| Net loans and leases to core deposits | 84.8722% | 3,044 |
| Total domestic deposits to total assets | 87.1810% | 1,506 |
| Equity capital to assets | 12.4233% | 1,901 |
| Core capital (leverage) ratio | 9.9620% | 3,620 |
| Tier 1 risk-based capital ratio | 13.3538% | 3,658 |
| Total risk-based capital ratio | 14.6054% | 3,555 |
| Memoranda: | ||
| Average total assets | $44,869,670 | 4,942 |
| Average earning assets | $39,209,000 | 4,965 |
| Average equity | $5,519,000 | 4,919 |
| Average total loans | $33,730,670 | 4,659 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8480% | 283 |
| Cost of funding earning assets | 0.4199% | 4,402 |
| Net interest margin | 5.4281% | 141 |
| Noninterest income to average assets | 0.9194% | 1,000 |
| Noninterest expense to average assets | 4.3383% | 354 |
| Loan and lease loss provision to assets | 0.1607% | 1,051 |
| Net operating income to assets | 1.1515% | 2,257 |
| Return on assets (ROA) | 1.1515% | 2,308 |
| Pretax return on assets | 1.1515% | 2,972 |
| Return on Equity (ROE) | 9.4092% | 2,627 |
| Retained earnings to average equity (ytd only) | 4.6681% | 3,050 |
| Net charge-offs to loans | -0.2918% | 5,213 |
| Credit loss provision to net charge-offs | -72.0000% | 3,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7773% | 1,406 |
| Assets per employee ($millions) | 3.2144% | 4,824 |
| Cash dividends to net income (ytd only)* | 50.3876% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 1,690 |
| Loan loss allowance to noncurrent loans | 251.8519% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 2,907 |
| Noncurrent loans to loans | 0.5545% | 2,659 |
| Net loans and leases to total assets | 74.6833% | 1,692 |
| Net loans and leases to deposits | 85.3974% | 2,197 |
| Net loans and leases to core deposits | 87.6718% | 2,721 |
| Total domestic deposits to total assets | 87.4539% | 1,588 |
| Equity capital to assets | 12.2683% | 1,861 |
| Core capital (leverage) ratio | 10.1111% | 3,480 |
| Tier 1 risk-based capital ratio | 12.4334% | 4,214 |
| Total risk-based capital ratio | 13.6833% | 4,075 |
| Memoranda: | ||
| Average total assets | $44,810,500 | 4,996 |
| Average earning assets | $39,056,000 | 5,016 |
| Average equity | $5,484,000 | 4,963 |
| Average total loans | $34,264,500 | 4,696 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6375% | 307 |
| Cost of funding earning assets | 0.4922% | 3,407 |
| Net interest margin | 5.1452% | 206 |
| Noninterest income to average assets | 1.0180% | 912 |
| Noninterest expense to average assets | 4.2059% | 398 |
| Loan and lease loss provision to assets | 0.1556% | 1,345 |
| Net operating income to assets | 1.1974% | 2,180 |
| Return on assets (ROA) | 1.1974% | 2,180 |
| Pretax return on assets | 1.1974% | 2,892 |
| Return on Equity (ROE) | 10.4663% | 2,310 |
| Retained earnings to average equity (ytd only) | 6.0266% | 2,181 |
| Net charge-offs to loans | 1.1749% | 106 |
| Credit loss provision to net charge-offs | 17.6904% | 3,409 |
| Earnings coverage of net charge-offs (x) | 1.5381% | 3,615 |
| Efficiency ratio | 75.6610% | 1,414 |
| Assets per employee ($millions) | 2.6246% | 5,170 |
| Cash dividends to net income (ytd only)* | 42.4188% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,262 |
| Loan loss allowance to noncurrent loans | 241.8994% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 2,950 |
| Noncurrent loans to loans | 0.5197% | 2,718 |
| Net loans and leases to total assets | 76.2254% | 1,575 |
| Net loans and leases to deposits | 87.1652% | 2,149 |
| Net loans and leases to core deposits | 89.5003% | 2,612 |
| Total domestic deposits to total assets | 87.4493% | 1,564 |
| Equity capital to assets | 12.2078% | 1,754 |
| Core capital (leverage) ratio | 9.8765% | 3,717 |
| Tier 1 risk-based capital ratio | 12.3415% | 4,220 |
| Total risk-based capital ratio | 13.5837% | 4,103 |
| Memoranda: | ||
| Average total assets | $46,268,400 | 5,012 |
| Average earning assets | $40,833,800 | 5,035 |
| Average equity | $5,293,200 | 5,006 |
| Average total loans | $34,641,600 | 4,699 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5472% | 327 |
| Cost of funding earning assets | 0.5034% | 3,178 |
| Net interest margin | 5.0438% | 243 |
| Noninterest income to average assets | 1.0368% | 889 |
| Noninterest expense to average assets | 4.1644% | 416 |
| Loan and lease loss provision to assets | 0.1542% | 1,267 |
| Net operating income to assets | 1.1825% | 2,308 |
| Return on assets (ROA) | 1.1825% | 2,313 |
| Pretax return on assets | 1.1825% | 3,056 |
| Return on Equity (ROE) | 10.5046% | 2,390 |
| Retained earnings to average equity (ytd only) | 6.8254% | 2,217 |
| Net charge-offs to loans | -0.0154% | 4,535 |
| Credit loss provision to net charge-offs | -1,350.0000% | 4,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7009% | 1,387 |
| Assets per employee ($millions) | 2.6592% | 5,226 |
| Cash dividends to net income (ytd only)* | 35.0242% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4104% | 269 |
| Loan loss allowance to noncurrent loans | 142.9066% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.2786% | 1,076 |
| Noncurrent loans to loans | 1.6867% | 921 |
| Net loans and leases to total assets | 73.9753% | 1,988 |
| Net loans and leases to deposits | 84.5605% | 2,531 |
| Net loans and leases to core deposits | 86.7857% | 2,940 |
| Total domestic deposits to total assets | 87.4820% | 1,500 |
| Equity capital to assets | 11.9207% | 1,956 |
| Core capital (leverage) ratio | 9.5752% | 4,089 |
| Tier 1 risk-based capital ratio | 12.1389% | 4,420 |
| Total risk-based capital ratio | 13.4005% | 4,308 |
| Memoranda: | ||
| Average total assets | $46,680,750 | 5,056 |
| Average earning assets | $41,317,250 | 5,090 |
| Average equity | $5,254,750 | 5,066 |
| Average total loans | $34,691,000 | 4,745 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4366% | 360 |
| Cost of funding earning assets | 0.5012% | 3,002 |
| Net interest margin | 4.9354% | 276 |
| Noninterest income to average assets | 0.9412% | 1,077 |
| Noninterest expense to average assets | 4.0193% | 516 |
| Loan and lease loss provision to assets | 0.1526% | 1,237 |
| Net operating income to assets | 1.1532% | 2,381 |
| Return on assets (ROA) | 1.1532% | 2,383 |
| Pretax return on assets | 1.1532% | 3,125 |
| Return on Equity (ROE) | 10.4415% | 2,363 |
| Retained earnings to average equity (ytd only) | 6.7946% | 2,168 |
| Net charge-offs to loans | 0.0115% | 2,747 |
| Credit loss provision to net charge-offs | 1,800.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 510 |
| Efficiency ratio | 75.4777% | 1,497 |
| Assets per employee ($millions) | 2.7465% | 5,239 |
| Cash dividends to net income (ytd only)* | 34.9265% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2910% | 319 |
| Loan loss allowance to noncurrent loans | 135.2445% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.3579% | 1,033 |
| Noncurrent loans to loans | 1.6940% | 940 |
| Net loans and leases to total assets | 73.2561% | 2,081 |
| Net loans and leases to deposits | 85.0782% | 2,424 |
| Net loans and leases to core deposits | 87.2707% | 2,795 |
| Total domestic deposits to total assets | 86.1044% | 2,231 |
| Equity capital to assets | 11.3362% | 2,322 |
| Core capital (leverage) ratio | 9.1200% | 4,559 |
| Tier 1 risk-based capital ratio | 11.9633% | 4,526 |
| Total risk-based capital ratio | 13.2258% | 4,393 |
| Memoranda: | ||
| Average total assets | $47,172,000 | 5,105 |
| Average earning assets | $41,901,000 | 5,132 |
| Average equity | $5,210,000 | 5,132 |
| Average total loans | $34,832,000 | 4,786 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4080% | 328 |
| Cost of funding earning assets | 0.4847% | 2,908 |
| Net interest margin | 4.9233% | 265 |
| Noninterest income to average assets | 0.9365% | 1,055 |
| Noninterest expense to average assets | 3.9905% | 539 |
| Loan and lease loss provision to assets | 0.1519% | 1,191 |
| Net operating income to assets | 1.1642% | 2,162 |
| Return on assets (ROA) | 1.1642% | 2,174 |
| Pretax return on assets | 1.1642% | 2,909 |
| Return on Equity (ROE) | 10.6801% | 2,093 |
| Retained earnings to average equity (ytd only) | 6.8105% | 2,361 |
| Net charge-offs to loans | -0.0230% | 4,626 |
| Credit loss provision to net charge-offs | -900.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1987% | 1,719 |
| Assets per employee ($millions) | 2.8279% | 5,273 |
| Cash dividends to net income (ytd only)* | 36.2319% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2504% | 352 |
| Loan loss allowance to noncurrent loans | 148.6792% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.1877% | 1,287 |
| Noncurrent loans to loans | 1.5136% | 1,164 |
| Net loans and leases to total assets | 71.1971% | 2,299 |
| Net loans and leases to deposits | 82.0815% | 2,583 |
| Net loans and leases to core deposits | 84.1148% | 2,972 |
| Total domestic deposits to total assets | 86.7395% | 2,224 |
| Equity capital to assets | 10.8310% | 2,745 |
| Core capital (leverage) ratio | 8.8562% | 4,846 |
| Tier 1 risk-based capital ratio | 11.5912% | 4,811 |
| Total risk-based capital ratio | 12.8523% | 4,696 |
| Memoranda: | ||
| Average total assets | $47,412,500 | 5,158 |
| Average earning assets | $42,085,500 | 5,183 |
| Average equity | $5,168,500 | 5,189 |
| Average total loans | $34,745,000 | 4,836 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 502 |
| Cost of funding earning assets | 0.5236% | 2,153 |
| Net interest margin | 4.6035% | 498 |
| Noninterest income to average assets | 0.9778% | 1,075 |
| Noninterest expense to average assets | 3.9322% | 589 |
| Loan and lease loss provision to assets | 1.0282% | 95 |
| Net operating income to assets | 0.0944% | 5,266 |
| Return on assets (ROA) | 0.0944% | 5,269 |
| Pretax return on assets | 0.0944% | 5,382 |
| Return on Equity (ROE) | 0.8319% | 5,256 |
| Retained earnings to average equity (ytd only) | -1.8487% | 5,273 |
| Net charge-offs to loans | 0.1178% | 1,866 |
| Credit loss provision to net charge-offs | 1,225.0000% | 308 |
| Earnings coverage of net charge-offs (x) | 13.3750% | 2,401 |
| Efficiency ratio | 77.7916% | 1,385 |
| Assets per employee ($millions) | 2.7562% | 5,356 |
| Cash dividends to net income (ytd only)* | 322.2222% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1175% | 127 |
| Loan loss allowance to noncurrent loans | 111.1338% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 2.1769% | 486 |
| Noncurrent loans to loans | 2.8052% | 421 |
| Net loans and leases to total assets | 72.1615% | 2,208 |
| Net loans and leases to deposits | 83.5834% | 2,538 |
| Net loans and leases to core deposits | 85.7107% | 2,930 |
| Total domestic deposits to total assets | 86.3347% | 2,302 |
| Equity capital to assets | 11.1747% | 2,457 |
| Core capital (leverage) ratio | 8.9405% | 4,715 |
| Tier 1 risk-based capital ratio | 11.6764% | 4,736 |
| Total risk-based capital ratio | 12.9496% | 4,606 |
| Memoranda: | ||
| Average total assets | $47,658,000 | 5,197 |
| Average earning assets | $42,207,200 | 5,230 |
| Average equity | $5,409,200 | 5,200 |
| Average total loans | $33,947,000 | 4,902 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0390% | 562 |
| Cost of funding earning assets | 0.5253% | 2,070 |
| Net interest margin | 4.5138% | 584 |
| Noninterest income to average assets | 0.9751% | 1,080 |
| Noninterest expense to average assets | 3.9226% | 574 |
| Loan and lease loss provision to assets | 0.1254% | 1,728 |
| Net operating income to assets | 0.9249% | 2,901 |
| Return on assets (ROA) | 0.9249% | 2,962 |
| Pretax return on assets | 0.9249% | 3,952 |
| Return on Equity (ROE) | 8.1185% | 3,070 |
| Retained earnings to average equity (ytd only) | 4.5728% | 3,163 |
| Net charge-offs to loans | 0.1345% | 1,450 |
| Credit loss provision to net charge-offs | 132.3529% | 1,863 |
| Earnings coverage of net charge-offs (x) | 11.0887% | 2,531 |
| Efficiency ratio | 78.8796% | 1,228 |
| Assets per employee ($millions) | 3.6328% | 4,543 |
| Cash dividends to net income (ytd only)* | 43.6746% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8453% | 784 |
| Loan loss allowance to noncurrent loans | 59.4322% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 2.3991% | 474 |
| Noncurrent loans to loans | 3.1048% | 393 |
| Net loans and leases to total assets | 73.0980% | 2,078 |
| Net loans and leases to deposits | 85.3850% | 2,380 |
| Net loans and leases to core deposits | 87.5526% | 2,815 |
| Total domestic deposits to total assets | 85.6099% | 2,476 |
| Equity capital to assets | 11.7242% | 2,171 |
| Core capital (leverage) ratio | 9.4157% | 4,272 |
| Tier 1 risk-based capital ratio | 12.0805% | 4,555 |
| Total risk-based capital ratio | 13.3363% | 4,442 |
| Memoranda: | ||
| Average total assets | $47,858,500 | 5,252 |
| Average earning assets | $42,388,000 | 5,281 |
| Average equity | $5,452,500 | 5,251 |
| Average total loans | $33,708,750 | 4,956 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9421% | 632 |
| Cost of funding earning assets | 0.5215% | 1,999 |
| Net interest margin | 4.4207% | 675 |
| Noninterest income to average assets | 0.9778% | 1,076 |
| Noninterest expense to average assets | 3.9235% | 583 |
| Loan and lease loss provision to assets | 0.1248% | 1,659 |
| Net operating income to assets | 0.8446% | 3,185 |
| Return on assets (ROA) | 0.8446% | 3,227 |
| Pretax return on assets | 0.8446% | 4,112 |
| Return on Equity (ROE) | 7.4848% | 3,295 |
| Retained earnings to average equity (ytd only) | 5.4569% | 2,433 |
| Net charge-offs to loans | 0.1505% | 1,250 |
| Credit loss provision to net charge-offs | 120.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 9.3200% | 2,446 |
| Efficiency ratio | 80.1871% | 1,194 |
| Assets per employee ($millions) | 2.8527% | 5,390 |
| Cash dividends to net income (ytd only)* | 27.0936% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9371% | 672 |
| Loan loss allowance to noncurrent loans | 69.5887% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 2.2476% | 521 |
| Noncurrent loans to loans | 2.7836% | 506 |
| Net loans and leases to total assets | 67.1210% | 2,931 |
| Net loans and leases to deposits | 77.8360% | 3,131 |
| Net loans and leases to core deposits | 80.5259% | 3,379 |
| Total domestic deposits to total assets | 86.2339% | 2,282 |
| Equity capital to assets | 11.3350% | 2,465 |
| Core capital (leverage) ratio | 9.3480% | 4,299 |
| Tier 1 risk-based capital ratio | 12.9660% | 4,015 |
| Total risk-based capital ratio | 14.2237% | 3,934 |
| Memoranda: | ||
| Average total assets | $48,069,000 | 5,290 |
| Average earning assets | $42,572,670 | 5,318 |
| Average equity | $5,424,330 | 5,286 |
| Average total loans | $33,221,330 | 5,001 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 662 |
| Cost of funding earning assets | 0.5142% | 1,974 |
| Net interest margin | 4.3567% | 693 |
| Noninterest income to average assets | 1.0025% | 1,000 |
| Noninterest expense to average assets | 3.9353% | 583 |
| Loan and lease loss provision to assets | 0.1243% | 1,545 |
| Net operating income to assets | 0.8036% | 3,206 |
| Return on assets (ROA) | 0.8036% | 3,267 |
| Pretax return on assets | 0.8036% | 4,099 |
| Return on Equity (ROE) | 6.6735% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.6735% | 1,993 |
| Net charge-offs to loans | 0.1926% | 894 |
| Credit loss provision to net charge-offs | 93.7500% | 1,664 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,177 |
| Efficiency ratio | 80.9199% | 1,269 |
| Assets per employee ($millions) | 2.8538% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6271% | 5,433 |
| Loan loss allowance to noncurrent loans | 24.2250% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 2.1684% | 581 |
| Noncurrent loans to loans | 2.5886% | 588 |
| Net loans and leases to total assets | 68.9224% | 2,547 |
| Net loans and leases to deposits | 80.5691% | 2,675 |
| Net loans and leases to core deposits | 83.3695% | 2,956 |
| Total domestic deposits to total assets | 85.5444% | 2,866 |
| Equity capital to assets | 12.0934% | 1,772 |
| Core capital (leverage) ratio | 10.1495% | 3,310 |
| Tier 1 risk-based capital ratio | 13.7896% | 3,608 |
| Total risk-based capital ratio | 14.4069% | 3,898 |
| Memoranda: | ||
| Average total assets | $48,281,500 | 5,343 |
| Average earning assets | $42,784,500 | 5,375 |
| Average equity | $5,814,000 | 5,265 |
| Average total loans | $33,235,000 | 5,047 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 611 |
| Cost of funding earning assets | 0.5725% | 1,527 |
| Net interest margin | 4.4092% | 761 |
| Noninterest income to average assets | 0.9656% | 1,229 |
| Noninterest expense to average assets | 3.8604% | 721 |
| Loan and lease loss provision to assets | 0.2880% | 667 |
| Net operating income to assets | 0.6988% | 3,791 |
| Return on assets (ROA) | 0.6988% | 3,895 |
| Pretax return on assets | 0.6988% | 4,489 |
| Return on Equity (ROE) | 5.5993% | 4,159 |
| Retained earnings to average equity (ytd only) | -2.6639% | 5,569 |
| Net charge-offs to loans | 0.9293% | 201 |
| Credit loss provision to net charge-offs | 43.8710% | 3,453 |
| Earnings coverage of net charge-offs (x) | 1.5032% | 3,979 |
| Efficiency ratio | 79.6418% | 1,464 |
| Assets per employee ($millions) | 2.8264% | 5,471 |
| Cash dividends to net income (ytd only)* | 147.5758% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6459% | 5,456 |
| Loan loss allowance to noncurrent loans | 20.1905% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.5620% | 459 |
| Noncurrent loans to loans | 3.1991% | 400 |
| Net loans and leases to total assets | 67.8682% | 2,789 |
| Net loans and leases to deposits | 79.2929% | 2,966 |
| Net loans and leases to core deposits | 82.0687% | 3,205 |
| Total domestic deposits to total assets | 85.5918% | 2,785 |
| Equity capital to assets | 11.9898% | 1,816 |
| Core capital (leverage) ratio | 9.8891% | 3,645 |
| Tier 1 risk-based capital ratio | 13.7554% | 3,605 |
| Total risk-based capital ratio | 14.3870% | 3,903 |
| Memoranda: | ||
| Average total assets | $47,223,200 | 5,401 |
| Average earning assets | $41,572,400 | 5,431 |
| Average equity | $5,893,600 | 5,293 |
| Average total loans | $33,359,800 | 5,090 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0960% | 502 |
| Cost of funding earning assets | 0.5809% | 1,477 |
| Net interest margin | 4.5150% | 607 |
| Noninterest income to average assets | 0.9585% | 1,236 |
| Noninterest expense to average assets | 3.8992% | 677 |
| Loan and lease loss provision to assets | 0.0766% | 2,695 |
| Net operating income to assets | 0.9500% | 2,652 |
| Return on assets (ROA) | 0.9500% | 2,793 |
| Pretax return on assets | 0.9500% | 3,812 |
| Return on Equity (ROE) | 7.5363% | 3,278 |
| Retained earnings to average equity (ytd only) | -0.1800% | 5,388 |
| Net charge-offs to loans | 0.1950% | 1,203 |
| Credit loss provision to net charge-offs | 55.1020% | 2,970 |
| Earnings coverage of net charge-offs (x) | 7.3879% | 2,879 |
| Efficiency ratio | 79.1595% | 1,536 |
| Assets per employee ($millions) | 2.7881% | 5,556 |
| Cash dividends to net income (ytd only)* | 102.3866% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 3,877 |
| Loan loss allowance to noncurrent loans | 29.3076% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 3.0023% | 382 |
| Noncurrent loans to loans | 3.7226% | 326 |
| Net loans and leases to total assets | 69.6247% | 2,548 |
| Net loans and leases to deposits | 82.1038% | 2,720 |
| Net loans and leases to core deposits | 85.0406% | 3,035 |
| Total domestic deposits to total assets | 84.8007% | 2,896 |
| Equity capital to assets | 12.5324% | 1,755 |
| Core capital (leverage) ratio | 10.2314% | 3,297 |
| Tier 1 risk-based capital ratio | 14.3610% | 3,356 |
| Total risk-based capital ratio | 15.4579% | 3,379 |
| Memoranda: | ||
| Average total assets | $47,016,750 | 5,458 |
| Average earning assets | $41,312,750 | 5,492 |
| Average equity | $5,926,750 | 5,345 |
| Average total loans | $33,494,250 | 5,136 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 471 |
| Cost of funding earning assets | 0.5888% | 1,411 |
| Net interest margin | 4.5399% | 568 |
| Noninterest income to average assets | 0.9469% | 1,247 |
| Noninterest expense to average assets | 3.9155% | 665 |
| Loan and lease loss provision to assets | 0.0768% | 2,602 |
| Net operating income to assets | 0.9341% | 2,708 |
| Return on assets (ROA) | 0.9341% | 2,840 |
| Pretax return on assets | 0.9341% | 3,820 |
| Return on Equity (ROE) | 7.3957% | 3,319 |
| Retained earnings to average equity (ytd only) | -4.1875% | 5,706 |
| Net charge-offs to loans | 0.1431% | 1,468 |
| Credit loss provision to net charge-offs | 75.0000% | 2,423 |
| Earnings coverage of net charge-offs (x) | 9.8750% | 2,370 |
| Efficiency ratio | 79.4805% | 1,567 |
| Assets per employee ($millions) | 2.7650% | 5,632 |
| Cash dividends to net income (ytd only)* | 156.6210% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 3,546 |
| Loan loss allowance to noncurrent loans | 29.2533% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 3.1486% | 378 |
| Noncurrent loans to loans | 3.9858% | 293 |
| Net loans and leases to total assets | 68.5268% | 2,704 |
| Net loans and leases to deposits | 80.5819% | 2,864 |
| Net loans and leases to core deposits | 83.4720% | 3,131 |
| Total domestic deposits to total assets | 85.0399% | 2,860 |
| Equity capital to assets | 12.3966% | 1,840 |
| Core capital (leverage) ratio | 9.9876% | 3,576 |
| Tier 1 risk-based capital ratio | 14.3094% | 3,426 |
| Total risk-based capital ratio | 15.4763% | 3,400 |
| Memoranda: | ||
| Average total assets | $46,890,000 | 5,525 |
| Average earning assets | $41,102,330 | 5,559 |
| Average equity | $5,922,330 | 5,400 |
| Average total loans | $33,537,670 | 5,186 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2351% | 394 |
| Cost of funding earning assets | 0.5947% | 1,366 |
| Net interest margin | 4.6404% | 467 |
| Noninterest income to average assets | 0.9566% | 1,170 |
| Noninterest expense to average assets | 3.9887% | 610 |
| Loan and lease loss provision to assets | 0.0769% | 2,422 |
| Net operating income to assets | 0.9566% | 2,479 |
| Return on assets (ROA) | 0.9566% | 2,599 |
| Pretax return on assets | 0.9566% | 3,636 |
| Return on Equity (ROE) | 7.5042% | 3,186 |
| Retained earnings to average equity (ytd only) | 3.1491% | 3,943 |
| Net charge-offs to loans | 0.2823% | 749 |
| Credit loss provision to net charge-offs | 37.5000% | 2,163 |
| Earnings coverage of net charge-offs (x) | 5.0417% | 2,367 |
| Efficiency ratio | 79.4218% | 1,679 |
| Assets per employee ($millions) | 2.7697% | 5,693 |
| Cash dividends to net income (ytd only)* | 58.0357% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 4,032 |
| Loan loss allowance to noncurrent loans | 48.9446% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.9093% | 935 |
| Noncurrent loans to loans | 2.2519% | 896 |
| Net loans and leases to total assets | 70.6998% | 2,235 |
| Net loans and leases to deposits | 83.3830% | 2,380 |
| Net loans and leases to core deposits | 87.2308% | 2,637 |
| Total domestic deposits to total assets | 84.7892% | 3,210 |
| Equity capital to assets | 12.7280% | 1,542 |
| Core capital (leverage) ratio | 10.6471% | 2,796 |
| Tier 1 risk-based capital ratio | 14.5713% | 3,356 |
| Total risk-based capital ratio | 15.6914% | 3,360 |
| Memoranda: | ||
| Average total assets | $46,832,500 | 5,579 |
| Average earning assets | $41,031,000 | 5,614 |
| Average equity | $5,970,000 | 5,429 |
| Average total loans | $34,011,000 | 5,212 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2816% | 379 |
| Cost of funding earning assets | 0.5964% | 1,387 |
| Net interest margin | 4.6852% | 462 |
| Noninterest income to average assets | 0.9322% | 1,352 |
| Noninterest expense to average assets | 4.0692% | 615 |
| Loan and lease loss provision to assets | 0.0775% | 2,728 |
| Net operating income to assets | 0.8956% | 2,898 |
| Return on assets (ROA) | 0.8956% | 2,977 |
| Pretax return on assets | 0.8956% | 3,853 |
| Return on Equity (ROE) | 7.0275% | 3,500 |
| Retained earnings to average equity (ytd only) | 0.4730% | 5,327 |
| Net charge-offs to loans | 0.1593% | 1,783 |
| Credit loss provision to net charge-offs | 65.4545% | 3,194 |
| Earnings coverage of net charge-offs (x) | 8.2182% | 2,984 |
| Efficiency ratio | 80.7003% | 1,580 |
| Assets per employee ($millions) | 2.5878% | 5,845 |
| Cash dividends to net income (ytd only)* | 93.2692% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,910 |
| Loan loss allowance to noncurrent loans | 61.9583% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.5350% | 1,306 |
| Noncurrent loans to loans | 1.8130% | 1,207 |
| Net loans and leases to total assets | 72.9412% | 1,901 |
| Net loans and leases to deposits | 86.1351% | 2,121 |
| Net loans and leases to core deposits | 89.1314% | 2,485 |
| Total domestic deposits to total assets | 84.6823% | 3,214 |
| Equity capital to assets | 12.7673% | 1,477 |
| Core capital (leverage) ratio | 10.5844% | 2,837 |
| Tier 1 risk-based capital ratio | 14.1830% | 3,614 |
| Total risk-based capital ratio | 15.3298% | 3,592 |
| Memoranda: | ||
| Average total assets | $46,446,800 | 5,623 |
| Average earning assets | $40,745,400 | 5,656 |
| Average equity | $5,919,600 | 5,453 |
| Average total loans | $34,516,600 | 5,206 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2568% | 402 |
| Cost of funding earning assets | 0.5994% | 1,408 |
| Net interest margin | 4.6574% | 489 |
| Noninterest income to average assets | 0.9480% | 1,323 |
| Noninterest expense to average assets | 4.0476% | 632 |
| Loan and lease loss provision to assets | 0.0776% | 2,632 |
| Net operating income to assets | 0.9078% | 2,927 |
| Return on assets (ROA) | 0.9078% | 3,021 |
| Pretax return on assets | 0.9078% | 3,959 |
| Return on Equity (ROE) | 7.1256% | 3,554 |
| Retained earnings to average equity (ytd only) | -0.2254% | 5,644 |
| Net charge-offs to loans | 0.2161% | 1,209 |
| Credit loss provision to net charge-offs | 48.2143% | 3,061 |
| Earnings coverage of net charge-offs (x) | 6.1254% | 3,097 |
| Efficiency ratio | 80.4224% | 1,601 |
| Assets per employee ($millions) | 2.6436% | 5,875 |
| Cash dividends to net income (ytd only)* | 103.1662% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 4,352 |
| Loan loss allowance to noncurrent loans | 49.6042% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 1.8556% | 1,134 |
| Noncurrent loans to loans | 2.1702% | 1,024 |
| Net loans and leases to total assets | 72.6090% | 1,967 |
| Net loans and leases to deposits | 85.5202% | 2,204 |
| Net loans and leases to core deposits | 88.5514% | 2,605 |
| Total domestic deposits to total assets | 84.9028% | 3,053 |
| Equity capital to assets | 12.4346% | 1,781 |
| Core capital (leverage) ratio | 10.4952% | 3,052 |
| Tier 1 risk-based capital ratio | 13.9261% | 3,888 |
| Total risk-based capital ratio | 15.0319% | 3,913 |
| Memoranda: | ||
| Average total assets | $46,413,500 | 5,696 |
| Average earning assets | $40,708,500 | 5,735 |
| Average equity | $5,912,750 | 5,521 |
| Average total loans | $34,555,250 | 5,263 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3249% | 351 |
| Cost of funding earning assets | 0.6115% | 1,334 |
| Net interest margin | 4.7134% | 434 |
| Noninterest income to average assets | 0.9517% | 1,295 |
| Noninterest expense to average assets | 4.1110% | 602 |
| Loan and lease loss provision to assets | 0.0782% | 2,558 |
| Net operating income to assets | 0.8822% | 2,978 |
| Return on assets (ROA) | 0.8822% | 3,091 |
| Pretax return on assets | 0.8822% | 4,022 |
| Return on Equity (ROE) | 6.8682% | 3,689 |
| Retained earnings to average equity (ytd only) | -1.6240% | 5,791 |
| Net charge-offs to loans | 0.1452% | 1,620 |
| Credit loss provision to net charge-offs | 72.0000% | 2,435 |
| Earnings coverage of net charge-offs (x) | 8.8400% | 2,524 |
| Efficiency ratio | 81.0626% | 1,615 |
| Assets per employee ($millions) | 2.5483% | 6,004 |
| Cash dividends to net income (ytd only)* | 123.6453% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 4,138 |
| Loan loss allowance to noncurrent loans | 58.1022% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 1.7419% | 1,347 |
| Noncurrent loans to loans | 1.9606% | 1,262 |
| Net loans and leases to total assets | 75.3014% | 1,465 |
| Net loans and leases to deposits | 89.0321% | 1,716 |
| Net loans and leases to core deposits | 92.3233% | 2,123 |
| Total domestic deposits to total assets | 84.5778% | 3,307 |
| Equity capital to assets | 12.8039% | 1,492 |
| Core capital (leverage) ratio | 10.4466% | 3,030 |
| Tier 1 risk-based capital ratio | 13.8878% | 3,983 |
| Total risk-based capital ratio | 15.0646% | 3,959 |
| Memoranda: | ||
| Average total assets | $46,023,000 | 5,767 |
| Average earning assets | $40,226,000 | 5,802 |
| Average equity | $5,911,330 | 5,569 |
| Average total loans | $34,431,330 | 5,314 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3031% | 352 |
| Cost of funding earning assets | 0.6268% | 1,256 |
| Net interest margin | 4.6763% | 430 |
| Noninterest income to average assets | 0.9718% | 1,185 |
| Noninterest expense to average assets | 4.0954% | 624 |
| Loan and lease loss provision to assets | 0.0781% | 2,394 |
| Net operating income to assets | 0.8764% | 2,864 |
| Return on assets (ROA) | 0.8764% | 2,992 |
| Pretax return on assets | 0.8764% | 3,980 |
| Return on Equity (ROE) | 6.8122% | 3,601 |
| Retained earnings to average equity (ytd only) | 1.7536% | 4,773 |
| Net charge-offs to loans | -0.0234% | 5,115 |
| Credit loss provision to net charge-offs | -450.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0997% | 1,746 |
| Assets per employee ($millions) | 2.6881% | 5,973 |
| Cash dividends to net income (ytd only)* | 74.2574% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 3,871 |
| Loan loss allowance to noncurrent loans | 78.0488% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.2802% | 2,079 |
| Noncurrent loans to loans | 1.5578% | 1,801 |
| Net loans and leases to total assets | 73.9611% | 1,509 |
| Net loans and leases to deposits | 87.5982% | 1,659 |
| Net loans and leases to core deposits | 92.0851% | 1,938 |
| Total domestic deposits to total assets | 84.4322% | 3,642 |
| Equity capital to assets | 13.0140% | 1,396 |
| Core capital (leverage) ratio | 10.6455% | 2,796 |
| Tier 1 risk-based capital ratio | 14.6345% | 3,636 |
| Total risk-based capital ratio | 15.8829% | 3,561 |
| Memoranda: | ||
| Average total assets | $46,100,000 | 5,814 |
| Average earning assets | $40,203,000 | 5,861 |
| Average equity | $5,930,500 | 5,614 |
| Average total loans | $34,178,000 | 5,365 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3608% | 408 |
| Cost of funding earning assets | 0.9051% | 381 |
| Net interest margin | 4.4556% | 806 |
| Noninterest income to average assets | 0.9224% | 1,432 |
| Noninterest expense to average assets | 4.0511% | 711 |
| Loan and lease loss provision to assets | -0.3068% | 6,375 |
| Net operating income to assets | 1.0569% | 2,138 |
| Return on assets (ROA) | 1.0569% | 2,201 |
| Pretax return on assets | 1.0569% | 3,269 |
| Return on Equity (ROE) | 8.6940% | 2,734 |
| Retained earnings to average equity (ytd only) | 3.5087% | 3,720 |
| Net charge-offs to loans | -0.4886% | 6,390 |
| Credit loss provision to net charge-offs | 91.8239% | 2,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9628% | 1,775 |
| Assets per employee ($millions) | 2.7355% | 5,995 |
| Cash dividends to net income (ytd only)* | 59.6421% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 4,089 |
| Loan loss allowance to noncurrent loans | 110.3542% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.9010% | 2,958 |
| Noncurrent loans to loans | 1.0749% | 2,669 |
| Net loans and leases to total assets | 72.5480% | 1,823 |
| Net loans and leases to deposits | 87.8613% | 1,750 |
| Net loans and leases to core deposits | 92.3846% | 2,048 |
| Total domestic deposits to total assets | 82.5710% | 4,226 |
| Equity capital to assets | 12.7175% | 1,524 |
| Core capital (leverage) ratio | 10.3075% | 3,160 |
| Tier 1 risk-based capital ratio | 13.7913% | 4,240 |
| Total risk-based capital ratio | 14.8519% | 4,284 |
| Memoranda: | ||
| Average total assets | $47,591,800 | 5,840 |
| Average earning assets | $41,430,600 | 5,885 |
| Average equity | $5,785,600 | 5,667 |
| Average total loans | $32,540,400 | 5,464 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1642% | 562 |
| Cost of funding earning assets | 0.9140% | 384 |
| Net interest margin | 4.2503% | 1,155 |
| Noninterest income to average assets | 0.9137% | 1,482 |
| Noninterest expense to average assets | 3.9890% | 764 |
| Loan and lease loss provision to assets | 0.0752% | 2,840 |
| Net operating income to assets | 0.5543% | 4,660 |
| Return on assets (ROA) | 0.5543% | 4,737 |
| Pretax return on assets | 0.5543% | 5,169 |
| Return on Equity (ROE) | 4.6116% | 4,896 |
| Retained earnings to average equity (ytd only) | 1.1124% | 5,440 |
| Net charge-offs to loans | 0.0622% | 3,319 |
| Credit loss provision to net charge-offs | 180.0000% | 1,385 |
| Earnings coverage of net charge-offs (x) | 15.0665% | 2,083 |
| Efficiency ratio | 81.7250% | 1,656 |
| Assets per employee ($millions) | 2.6121% | 6,147 |
| Cash dividends to net income (ytd only)* | 75.8791% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 4,070 |
| Loan loss allowance to noncurrent loans | 104.9351% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.9358% | 3,101 |
| Noncurrent loans to loans | 1.1723% | 2,717 |
| Net loans and leases to total assets | 68.9899% | 2,369 |
| Net loans and leases to deposits | 86.4410% | 1,861 |
| Net loans and leases to core deposits | 90.9848% | 2,119 |
| Total domestic deposits to total assets | 79.8116% | 5,141 |
| Equity capital to assets | 12.2488% | 1,869 |
| Core capital (leverage) ratio | 9.8146% | 3,920 |
| Tier 1 risk-based capital ratio | 14.9032% | 3,644 |
| Total risk-based capital ratio | 16.1535% | 3,577 |
| Memoranda: | ||
| Average total assets | $47,864,000 | 5,904 |
| Average earning assets | $41,721,750 | 5,949 |
| Average equity | $5,753,500 | 5,727 |
| Average total loans | $32,140,000 | 5,535 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 597 |
| Cost of funding earning assets | 0.9091% | 409 |
| Net interest margin | 4.2078% | 1,225 |
| Noninterest income to average assets | 0.9056% | 1,483 |
| Noninterest expense to average assets | 3.9380% | 819 |
| Loan and lease loss provision to assets | 0.0748% | 2,779 |
| Net operating income to assets | 0.5649% | 4,522 |
| Return on assets (ROA) | 0.5649% | 4,626 |
| Pretax return on assets | 0.5649% | 5,073 |
| Return on Equity (ROE) | 4.7291% | 4,802 |
| Retained earnings to average equity (ytd only) | 2.1211% | 4,833 |
| Net charge-offs to loans | 0.0815% | 2,874 |
| Credit loss provision to net charge-offs | 138.4615% | 1,533 |
| Earnings coverage of net charge-offs (x) | 11.8462% | 2,110 |
| Efficiency ratio | 81.3975% | 1,819 |
| Assets per employee ($millions) | 2.8826% | 5,908 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 4,272 |
| Loan loss allowance to noncurrent loans | 109.0659% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 3,404 |
| Noncurrent loans to loans | 1.1278% | 2,966 |
| Net loans and leases to total assets | 65.0525% | 2,899 |
| Net loans and leases to deposits | 80.6186% | 2,433 |
| Net loans and leases to core deposits | 84.6293% | 2,674 |
| Total domestic deposits to total assets | 80.6918% | 5,071 |
| Equity capital to assets | 11.7866% | 2,174 |
| Core capital (leverage) ratio | 9.8475% | 3,820 |
| Tier 1 risk-based capital ratio | 14.6981% | 3,810 |
| Total risk-based capital ratio | 15.9473% | 3,762 |
| Memoranda: | ||
| Average total assets | $48,146,330 | 5,942 |
| Average earning assets | $42,017,330 | 5,996 |
| Average equity | $5,751,670 | 5,764 |
| Average total loans | $31,906,330 | 5,582 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1309% | 561 |
| Cost of funding earning assets | 0.9224% | 406 |
| Net interest margin | 4.2085% | 1,196 |
| Noninterest income to average assets | 0.8970% | 1,399 |
| Noninterest expense to average assets | 3.9734% | 784 |
| Loan and lease loss provision to assets | 0.0754% | 2,632 |
| Net operating income to assets | 0.5197% | 4,589 |
| Return on assets (ROA) | 0.5197% | 4,660 |
| Pretax return on assets | 0.5197% | 5,107 |
| Return on Equity (ROE) | 4.3209% | 4,873 |
| Retained earnings to average equity (ytd only) | 4.3209% | 3,536 |
| Net charge-offs to loans | 0.2144% | 1,467 |
| Credit loss provision to net charge-offs | 52.9412% | 2,175 |
| Earnings coverage of net charge-offs (x) | 4.1765% | 2,560 |
| Efficiency ratio | 82.3853% | 1,879 |
| Assets per employee ($millions) | 2.7925% | 6,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 4,598 |
| Loan loss allowance to noncurrent loans | 73.2824% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.2196% | 2,825 |
| Noncurrent loans to loans | 1.6483% | 2,359 |
| Net loans and leases to total assets | 66.1576% | 2,542 |
| Net loans and leases to deposits | 82.5653% | 1,997 |
| Net loans and leases to core deposits | 86.8268% | 2,219 |
| Total domestic deposits to total assets | 80.1277% | 5,461 |
| Equity capital to assets | 12.1522% | 1,771 |
| Core capital (leverage) ratio | 9.9366% | 3,653 |
| Tier 1 risk-based capital ratio | 14.5686% | 3,967 |
| Total risk-based capital ratio | 15.7925% | 3,930 |
| Memoranda: | ||
| Average total assets | $47,717,000 | 6,012 |
| Average earning assets | $41,630,000 | 6,066 |
| Average equity | $5,739,500 | 5,810 |
| Average total loans | $31,721,500 | 5,641 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1757% | 681 |
| Cost of funding earning assets | 1.0356% | 384 |
| Net interest margin | 4.1401% | 1,540 |
| Noninterest income to average assets | 0.8295% | 1,937 |
| Noninterest expense to average assets | 3.7849% | 1,164 |
| Loan and lease loss provision to assets | 0.0750% | 3,609 |
| Net operating income to assets | 0.6023% | 4,248 |
| Return on assets (ROA) | 0.6023% | 4,366 |
| Pretax return on assets | 0.6023% | 4,868 |
| Return on Equity (ROE) | 5.0693% | 4,592 |
| Retained earnings to average equity (ytd only) | 1.3682% | 5,211 |
| Net charge-offs to loans | 0.2344% | 2,576 |
| Credit loss provision to net charge-offs | 47.3684% | 3,879 |
| Earnings coverage of net charge-offs (x) | 4.2763% | 3,619 |
| Efficiency ratio | 80.1962% | 2,122 |
| Assets per employee ($millions) | 2.8212% | 6,078 |
| Cash dividends to net income (ytd only)* | 73.0104% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 4,445 |
| Loan loss allowance to noncurrent loans | 55.6028% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.6409% | 2,255 |
| Noncurrent loans to loans | 2.2273% | 1,743 |
| Net loans and leases to total assets | 65.1780% | 2,829 |
| Net loans and leases to deposits | 81.0811% | 2,314 |
| Net loans and leases to core deposits | 85.2073% | 2,545 |
| Total domestic deposits to total assets | 80.3861% | 5,352 |
| Equity capital to assets | 11.9055% | 1,859 |
| Core capital (leverage) ratio | 9.8765% | 3,732 |
| Tier 1 risk-based capital ratio | 14.5093% | 3,951 |
| Total risk-based capital ratio | 15.7453% | 3,893 |
| Memoranda: | ||
| Average total assets | $47,980,600 | 6,070 |
| Average earning assets | $42,100,200 | 6,107 |
| Average equity | $5,701,000 | 5,881 |
| Average total loans | $32,423,400 | 5,650 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1918% | 657 |
| Cost of funding earning assets | 1.0700% | 356 |
| Net interest margin | 4.1218% | 1,566 |
| Noninterest income to average assets | 0.8308% | 2,006 |
| Noninterest expense to average assets | 3.7760% | 1,112 |
| Loan and lease loss provision to assets | 0.0750% | 3,555 |
| Net operating income to assets | 0.5974% | 4,358 |
| Return on assets (ROA) | 0.5974% | 4,484 |
| Pretax return on assets | 0.5974% | 5,017 |
| Return on Equity (ROE) | 5.0302% | 4,707 |
| Retained earnings to average equity (ytd only) | 1.8483% | 5,215 |
| Net charge-offs to loans | 0.2207% | 2,489 |
| Credit loss provision to net charge-offs | 50.0000% | 3,494 |
| Earnings coverage of net charge-offs (x) | 4.4814% | 3,428 |
| Efficiency ratio | 80.2623% | 2,055 |
| Assets per employee ($millions) | 2.7595% | 6,206 |
| Cash dividends to net income (ytd only)* | 63.2561% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 4,499 |
| Loan loss allowance to noncurrent loans | 67.8392% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.3280% | 2,980 |
| Noncurrent loans to loans | 1.8872% | 2,387 |
| Net loans and leases to total assets | 66.5715% | 2,551 |
| Net loans and leases to deposits | 83.4157% | 1,953 |
| Net loans and leases to core deposits | 87.1640% | 2,263 |
| Total domestic deposits to total assets | 79.8069% | 5,560 |
| Equity capital to assets | 12.1888% | 1,791 |
| Core capital (leverage) ratio | 9.8064% | 3,946 |
| Tier 1 risk-based capital ratio | 14.7773% | 3,892 |
| Total risk-based capital ratio | 16.0297% | 3,849 |
| Memoranda: | ||
| Average total assets | $47,985,500 | 6,139 |
| Average earning assets | $42,116,250 | 6,177 |
| Average equity | $5,698,750 | 5,947 |
| Average total loans | $32,616,250 | 5,700 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1683% | 672 |
| Cost of funding earning assets | 1.0977% | 344 |
| Net interest margin | 4.0706% | 1,630 |
| Noninterest income to average assets | 0.8316% | 2,061 |
| Noninterest expense to average assets | 3.7316% | 1,200 |
| Loan and lease loss provision to assets | 0.0745% | 3,553 |
| Net operating income to assets | 0.5999% | 4,282 |
| Return on assets (ROA) | 0.5999% | 4,465 |
| Pretax return on assets | 0.5999% | 5,014 |
| Return on Equity (ROE) | 5.0946% | 4,670 |
| Retained earnings to average equity (ytd only) | 2.8459% | 4,502 |
| Net charge-offs to loans | 0.2793% | 2,088 |
| Credit loss provision to net charge-offs | 39.1304% | 3,434 |
| Earnings coverage of net charge-offs (x) | 3.5435% | 3,367 |
| Efficiency ratio | 80.0939% | 2,142 |
| Assets per employee ($millions) | 3.0598% | 5,750 |
| Cash dividends to net income (ytd only)* | 44.1379% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 4,751 |
| Loan loss allowance to noncurrent loans | 110.3825% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.8007% | 4,225 |
| Noncurrent loans to loans | 1.1290% | 3,676 |
| Net loans and leases to total assets | 65.3921% | 2,699 |
| Net loans and leases to deposits | 81.0153% | 2,175 |
| Net loans and leases to core deposits | 86.9355% | 2,236 |
| Total domestic deposits to total assets | 80.7157% | 5,421 |
| Equity capital to assets | 11.6776% | 2,151 |
| Core capital (leverage) ratio | 9.3839% | 4,407 |
| Tier 1 risk-based capital ratio | 14.2479% | 4,261 |
| Total risk-based capital ratio | 15.3156% | 4,337 |
| Memoranda: | ||
| Average total assets | $48,343,330 | 6,167 |
| Average earning assets | $42,451,000 | 6,204 |
| Average equity | $5,692,330 | 5,997 |
| Average total loans | $32,943,330 | 5,716 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1869% | 616 |
| Cost of funding earning assets | 1.1230% | 332 |
| Net interest margin | 4.0639% | 1,575 |
| Noninterest income to average assets | 0.8577% | 1,906 |
| Noninterest expense to average assets | 3.6556% | 1,326 |
| Loan and lease loss provision to assets | 0.0749% | 3,380 |
| Net operating income to assets | 0.6828% | 3,769 |
| Return on assets (ROA) | 0.6828% | 3,922 |
| Pretax return on assets | 0.6828% | 4,650 |
| Return on Equity (ROE) | 5.7746% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.7746% | 2,798 |
| Net charge-offs to loans | 0.1566% | 2,462 |
| Credit loss provision to net charge-offs | 69.2308% | 2,308 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,134 |
| Efficiency ratio | 78.4906% | 2,535 |
| Assets per employee ($millions) | 2.8344% | 6,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,622 |
| Loan loss allowance to noncurrent loans | 121.9373% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 1.4839% | 3,036 |
| Noncurrent loans to loans | 1.0779% | 3,993 |
| Net loans and leases to total assets | 66.6902% | 2,250 |
| Net loans and leases to deposits | 82.8388% | 1,729 |
| Net loans and leases to core deposits | 88.3118% | 1,873 |
| Total domestic deposits to total assets | 80.5060% | 5,630 |
| Equity capital to assets | 11.8712% | 2,128 |
| Core capital (leverage) ratio | 9.5127% | 4,062 |
| Tier 1 risk-based capital ratio | 13.7702% | 4,676 |
| Total risk-based capital ratio | 15.0212% | 4,642 |
| Memoranda: | ||
| Average total assets | $48,036,500 | 6,244 |
| Average earning assets | $42,029,000 | 6,278 |
| Average equity | $5,680,000 | 6,053 |
| Average total loans | $33,206,000 | 5,739 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8743% | 328 |
| Cost of funding earning assets | 1.2854% | 397 |
| Net interest margin | 4.5889% | 799 |
| Noninterest income to average assets | 0.8315% | 2,117 |
| Noninterest expense to average assets | 3.8885% | 1,113 |
| Loan and lease loss provision to assets | 0.1792% | 3,387 |
| Net operating income to assets | 0.6398% | 4,040 |
| Return on assets (ROA) | 0.6398% | 4,301 |
| Pretax return on assets | 0.6398% | 4,849 |
| Return on Equity (ROE) | 5.4853% | 4,433 |
| Retained earnings to average equity (ytd only) | 2.9838% | 4,129 |
| Net charge-offs to loans | 0.0685% | 4,995 |
| Credit loss provision to net charge-offs | 373.9130% | 656 |
| Earnings coverage of net charge-offs (x) | 17.0870% | 1,530 |
| Efficiency ratio | 78.1319% | 2,429 |
| Assets per employee ($millions) | 2.8170% | 6,290 |
| Cash dividends to net income (ytd only)* | 45.6026% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 4,753 |
| Loan loss allowance to noncurrent loans | 53.3333% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 2.3889% | 2,049 |
| Noncurrent loans to loans | 2.3929% | 2,238 |
| Net loans and leases to total assets | 69.7822% | 1,887 |
| Net loans and leases to deposits | 86.6762% | 1,419 |
| Net loans and leases to core deposits | 93.1253% | 1,542 |
| Total domestic deposits to total assets | 80.5091% | 5,543 |
| Equity capital to assets | 11.7772% | 2,199 |
| Core capital (leverage) ratio | 9.2229% | 4,537 |
| Tier 1 risk-based capital ratio | 12.7018% | 5,324 |
| Total risk-based capital ratio | 13.9433% | 5,272 |
| Memoranda: | ||
| Average total assets | $47,987,400 | 6,262 |
| Average earning assets | $40,532,600 | 6,345 |
| Average equity | $5,596,800 | 6,124 |
| Average total loans | $33,594,000 | 5,773 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9303% | 317 |
| Cost of funding earning assets | 1.3223% | 402 |
| Net interest margin | 4.6080% | 803 |
| Noninterest income to average assets | 0.8331% | 2,105 |
| Noninterest expense to average assets | 3.8989% | 1,063 |
| Loan and lease loss provision to assets | 0.0750% | 4,719 |
| Net operating income to assets | 0.7109% | 3,872 |
| Return on assets (ROA) | 0.7109% | 4,106 |
| Pretax return on assets | 0.7109% | 4,825 |
| Return on Equity (ROE) | 6.1103% | 4,279 |
| Retained earnings to average equity (ytd only) | 4.4395% | 3,770 |
| Net charge-offs to loans | 0.0358% | 5,144 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 31.4433% | 1,063 |
| Efficiency ratio | 78.7789% | 2,268 |
| Assets per employee ($millions) | 2.8529% | 6,287 |
| Cash dividends to net income (ytd only)* | 27.3438% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 5,516 |
| Loan loss allowance to noncurrent loans | 56.0058% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 2.1134% | 2,530 |
| Noncurrent loans to loans | 2.0544% | 2,788 |
| Net loans and leases to total assets | 68.5526% | 2,209 |
| Net loans and leases to deposits | 85.0659% | 1,715 |
| Net loans and leases to core deposits | 91.2930% | 1,848 |
| Total domestic deposits to total assets | 80.5876% | 5,487 |
| Equity capital to assets | 11.6763% | 2,561 |
| Core capital (leverage) ratio | 9.2733% | 4,635 |
| Tier 1 risk-based capital ratio | 12.5953% | 5,569 |
| Total risk-based capital ratio | 13.7339% | 5,620 |
| Memoranda: | ||
| Average total assets | $48,012,000 | 6,339 |
| Average earning assets | $40,132,000 | 6,431 |
| Average equity | $5,586,000 | 6,196 |
| Average total loans | $33,530,000 | 5,851 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8384% | 382 |
| Cost of funding earning assets | 1.3163% | 487 |
| Net interest margin | 4.5221% | 954 |
| Noninterest income to average assets | 0.7816% | 2,279 |
| Noninterest expense to average assets | 3.9332% | 1,032 |
| Loan and lease loss provision to assets | 0.0752% | 4,683 |
| Net operating income to assets | 0.6646% | 4,037 |
| Return on assets (ROA) | 0.6646% | 4,300 |
| Pretax return on assets | 0.6646% | 4,927 |
| Return on Equity (ROE) | 5.7191% | 4,466 |
| Retained earnings to average equity (ytd only) | 5.7191% | 2,869 |
| Net charge-offs to loans | 0.1493% | 3,716 |
| Credit loss provision to net charge-offs | 72.0000% | 3,511 |
| Earnings coverage of net charge-offs (x) | 7.0800% | 2,529 |
| Efficiency ratio | 84.1682% | 1,611 |
| Assets per employee ($millions) | 2.8634% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 5,880 |
| Loan loss allowance to noncurrent loans | 70.2913% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.7442% | 3,113 |
| Noncurrent loans to loans | 1.5296% | 3,611 |
| Net loans and leases to total assets | 68.4225% | 2,209 |
| Net loans and leases to deposits | 84.6985% | 1,759 |
| Net loans and leases to core deposits | 93.6430% | 1,643 |
| Total domestic deposits to total assets | 80.7835% | 5,533 |
| Equity capital to assets | 11.5866% | 2,503 |
| Core capital (leverage) ratio | 9.0029% | 4,916 |
| Tier 1 risk-based capital ratio | 12.0354% | 5,905 |
| Total risk-based capital ratio | 13.0656% | 6,022 |
| Memoranda: | ||
| Average total assets | $47,849,330 | 6,386 |
| Average earning assets | $41,175,670 | 6,442 |
| Average equity | $5,560,330 | 6,229 |
| Average total loans | $33,495,000 | 5,891 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8644% | 375 |
| Cost of funding earning assets | 1.3373% | 540 |
| Net interest margin | 4.5270% | 958 |
| Noninterest income to average assets | 0.8180% | 2,073 |
| Noninterest expense to average assets | 4.0729% | 861 |
| Loan and lease loss provision to assets | 0.0759% | 4,448 |
| Net operating income to assets | 0.5228% | 4,726 |
| Return on assets (ROA) | 0.5228% | 4,933 |
| Pretax return on assets | 0.5228% | 5,355 |
| Return on Equity (ROE) | 4.4923% | 5,050 |
| Retained earnings to average equity (ytd only) | 4.4923% | 3,895 |
| Net charge-offs to loans | 0.2155% | 2,849 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 3.9444% | 2,709 |
| Efficiency ratio | 87.1841% | 1,364 |
| Assets per employee ($millions) | 2.8151% | 6,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 5,997 |
| Loan loss allowance to noncurrent loans | 42.2040% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 2.4824% | 2,380 |
| Noncurrent loans to loans | 2.5419% | 2,560 |
| Net loans and leases to total assets | 69.3706% | 1,871 |
| Net loans and leases to deposits | 85.9295% | 1,431 |
| Net loans and leases to core deposits | 95.1750% | 1,360 |
| Total domestic deposits to total assets | 80.7297% | 5,669 |
| Equity capital to assets | 11.5952% | 2,353 |
| Core capital (leverage) ratio | 8.9778% | 4,875 |
| Tier 1 risk-based capital ratio | 11.6514% | 6,193 |
| Total risk-based capital ratio | 12.6727% | 6,307 |
| Memoranda: | ||
| Average total assets | $47,435,500 | 6,451 |
| Average earning assets | $40,379,500 | 6,507 |
| Average equity | $5,520,500 | 6,267 |
| Average total loans | $33,408,500 | 5,940 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8232% | 613 |
| Cost of funding earning assets | 1.5031% | 710 |
| Net interest margin | 4.3201% | 1,631 |
| Noninterest income to average assets | 0.8969% | 1,680 |
| Noninterest expense to average assets | 4.0910% | 919 |
| Loan and lease loss provision to assets | 1.7181% | 394 |
| Net operating income to assets | -1.2085% | 6,824 |
| Return on assets (ROA) | -1.2085% | 6,848 |
| Pretax return on assets | -1.2085% | 6,818 |
| Return on Equity (ROE) | -9.8036% | 6,732 |
| Retained earnings to average equity (ytd only) | -9.8036% | 6,694 |
| Net charge-offs to loans | 2.5478% | 454 |
| Credit loss provision to net charge-offs | 98.5507% | 3,644 |
| Earnings coverage of net charge-offs (x) | 0.2923% | 5,609 |
| Efficiency ratio | 84.3021% | 1,728 |
| Assets per employee ($millions) | 2.6119% | 6,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 5,779 |
| Loan loss allowance to noncurrent loans | 145.2756% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 1.2826% | 4,073 |
| Noncurrent loans to loans | 0.7637% | 5,164 |
| Net loans and leases to total assets | 69.9564% | 2,038 |
| Net loans and leases to deposits | 86.9439% | 1,541 |
| Net loans and leases to core deposits | 96.5195% | 1,452 |
| Total domestic deposits to total assets | 80.4616% | 5,606 |
| Equity capital to assets | 11.6814% | 2,353 |
| Core capital (leverage) ratio | 8.7407% | 5,192 |
| Tier 1 risk-based capital ratio | 11.5819% | 6,110 |
| Total risk-based capital ratio | 12.6456% | 6,217 |
| Memoranda: | ||
| Average total assets | $47,495,000 | 6,436 |
| Average earning assets | $40,716,200 | 6,503 |
| Average equity | $5,855,000 | 6,195 |
| Average total loans | $32,499,000 | 6,045 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7424% | 785 |
| Cost of funding earning assets | 1.5374% | 749 |
| Net interest margin | 4.2050% | 2,081 |
| Noninterest income to average assets | 0.9073% | 1,620 |
| Noninterest expense to average assets | 4.1526% | 840 |
| Loan and lease loss provision to assets | 1.4225% | 502 |
| Net operating income to assets | -1.0529% | 6,906 |
| Return on assets (ROA) | -1.0529% | 6,934 |
| Pretax return on assets | -1.0529% | 6,892 |
| Return on Equity (ROE) | -8.4316% | 6,836 |
| Retained earnings to average equity (ytd only) | -8.4316% | 6,788 |
| Net charge-offs to loans | 1.4815% | 985 |
| Credit loss provision to net charge-offs | 141.5042% | 2,250 |
| Earnings coverage of net charge-offs (x) | 0.3677% | 5,335 |
| Efficiency ratio | 87.1827% | 1,422 |
| Assets per employee ($millions) | 2.7451% | 6,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6156% | 3,587 |
| Loan loss allowance to noncurrent loans | 348.6842% | 920 |
| Noncurrent assets plus other real estate owned to assets | 1.0821% | 4,598 |
| Noncurrent loans to loans | 0.4633% | 5,919 |
| Net loans and leases to total assets | 69.1602% | 2,250 |
| Net loans and leases to deposits | 86.6862% | 1,589 |
| Net loans and leases to core deposits | 96.3922% | 1,568 |
| Total domestic deposits to total assets | 79.7823% | 5,804 |
| Equity capital to assets | 12.2099% | 2,092 |
| Core capital (leverage) ratio | 9.1545% | 4,701 |
| Tier 1 risk-based capital ratio | 12.2219% | 5,729 |
| Total risk-based capital ratio | 13.4758% | 5,712 |
| Memoranda: | ||
| Average total assets | $47,615,000 | 6,494 |
| Average earning assets | $40,934,500 | 6,550 |
| Average equity | $5,945,750 | 6,215 |
| Average total loans | $32,309,000 | 6,113 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6629% | 938 |
| Cost of funding earning assets | 1.5831% | 752 |
| Net interest margin | 4.0798% | 2,490 |
| Noninterest income to average assets | 0.9305% | 1,536 |
| Noninterest expense to average assets | 4.1601% | 861 |
| Loan and lease loss provision to assets | 0.8012% | 1,150 |
| Net operating income to assets | -0.5466% | 6,728 |
| Return on assets (ROA) | -0.5466% | 6,748 |
| Pretax return on assets | -0.5466% | 6,687 |
| Return on Equity (ROE) | -4.3461% | 6,666 |
| Retained earnings to average equity (ytd only) | -4.3461% | 6,507 |
| Net charge-offs to loans | 1.0018% | 1,569 |
| Credit loss provision to net charge-offs | 119.2547% | 2,570 |
| Earnings coverage of net charge-offs (x) | 0.3789% | 5,023 |
| Efficiency ratio | 89.4140% | 1,282 |
| Assets per employee ($millions) | 2.6308% | 6,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 5,234 |
| Loan loss allowance to noncurrent loans | 147.1429% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 1.3430% | 4,212 |
| Noncurrent loans to loans | 0.8592% | 5,229 |
| Net loans and leases to total assets | 67.9506% | 2,626 |
| Net loans and leases to deposits | 85.4094% | 1,875 |
| Net loans and leases to core deposits | 94.8476% | 1,814 |
| Total domestic deposits to total assets | 79.5587% | 5,942 |
| Equity capital to assets | 12.5583% | 1,748 |
| Core capital (leverage) ratio | 9.4921% | 3,970 |
| Tier 1 risk-based capital ratio | 12.6361% | 5,232 |
| Total risk-based capital ratio | 13.8163% | 5,249 |
| Memoranda: | ||
| Average total assets | $47,931,000 | 6,541 |
| Average earning assets | $40,933,330 | 6,604 |
| Average equity | $6,028,330 | 6,226 |
| Average total loans | $32,143,670 | 6,184 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6005% | 1,053 |
| Cost of funding earning assets | 1.6127% | 780 |
| Net interest margin | 3.9878% | 2,734 |
| Noninterest income to average assets | 1.1282% | 1,028 |
| Noninterest expense to average assets | 4.1892% | 826 |
| Loan and lease loss provision to assets | 0.0747% | 5,065 |
| Net operating income to assets | 0.2489% | 5,621 |
| Return on assets (ROA) | 0.2489% | 5,688 |
| Pretax return on assets | 0.2489% | 5,812 |
| Return on Equity (ROE) | 1.9773% | 5,795 |
| Retained earnings to average equity (ytd only) | 1.9773% | 4,941 |
| Net charge-offs to loans | 0.5764% | 2,046 |
| Credit loss provision to net charge-offs | 19.5652% | 4,256 |
| Earnings coverage of net charge-offs (x) | 0.8478% | 4,002 |
| Efficiency ratio | 88.2353% | 1,483 |
| Assets per employee ($millions) | 2.6739% | 6,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 6,123 |
| Loan loss allowance to noncurrent loans | 113.5314% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 1.4606% | 4,074 |
| Noncurrent loans to loans | 0.9506% | 5,133 |
| Net loans and leases to total assets | 65.5087% | 3,130 |
| Net loans and leases to deposits | 82.1907% | 2,330 |
| Net loans and leases to core deposits | 91.0666% | 2,233 |
| Total domestic deposits to total assets | 79.7033% | 6,019 |
| Equity capital to assets | 12.6405% | 1,554 |
| Core capital (leverage) ratio | 9.7960% | 3,392 |
| Tier 1 risk-based capital ratio | 13.1306% | 4,724 |
| Total risk-based capital ratio | 14.1240% | 4,903 |
| Memoranda: | ||
| Average total assets | $48,219,000 | 6,581 |
| Average earning assets | $40,925,000 | 6,650 |
| Average equity | $6,069,000 | 6,222 |
| Average total loans | $31,920,500 | 6,246 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0403% | 787 |
| Cost of funding earning assets | 1.7528% | 1,370 |
| Net interest margin | 4.2875% | 1,865 |
| Noninterest income to average assets | 0.8798% | 1,923 |
| Noninterest expense to average assets | 4.1560% | 956 |
| Loan and lease loss provision to assets | 0.0859% | 6,291 |
| Net operating income to assets | 0.3016% | 4,935 |
| Return on assets (ROA) | 0.3079% | 5,079 |
| Pretax return on assets | 0.3079% | 5,211 |
| Return on Equity (ROE) | 2.4634% | 5,203 |
| Retained earnings to average equity (ytd only) | 2.4634% | 4,152 |
| Net charge-offs to loans | 1.1419% | 1,954 |
| Credit loss provision to net charge-offs | 11.2022% | 6,607 |
| Earnings coverage of net charge-offs (x) | 0.5055% | 5,610 |
| Efficiency ratio | 86.8142% | 1,586 |
| Assets per employee ($millions) | 2.6837% | 6,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 5,560 |
| Loan loss allowance to noncurrent loans | 88.6047% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 2.1550% | 3,151 |
| Noncurrent loans to loans | 1.3451% | 4,467 |
| Net loans and leases to total assets | 65.3860% | 3,580 |
| Net loans and leases to deposits | 82.0011% | 2,806 |
| Net loans and leases to core deposits | 90.8166% | 2,645 |
| Total domestic deposits to total assets | 79.7379% | 5,904 |
| Equity capital to assets | 12.5323% | 1,616 |
| Core capital (leverage) ratio | 9.7769% | 3,350 |
| Tier 1 risk-based capital ratio | 13.5497% | 4,165 |
| Total risk-based capital ratio | 14.6990% | 4,224 |
| Memoranda: | ||
| Average total assets | $47,738,200 | 6,608 |
| Average earning assets | $40,792,600 | 6,683 |
| Average equity | $5,967,400 | 6,374 |
| Average total loans | $32,051,600 | 6,312 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0605% | 823 |
| Cost of funding earning assets | 1.7788% | 1,512 |
| Net interest margin | 4.2817% | 1,908 |
| Noninterest income to average assets | 0.9328% | 1,677 |
| Noninterest expense to average assets | 4.1991% | 829 |
| Loan and lease loss provision to assets | 0.0897% | 6,149 |
| Net operating income to assets | 0.3053% | 5,142 |
| Return on assets (ROA) | 0.3137% | 5,285 |
| Pretax return on assets | 0.3137% | 5,467 |
| Return on Equity (ROE) | 2.5115% | 5,426 |
| Retained earnings to average equity (ytd only) | 2.5115% | 4,662 |
| Net charge-offs to loans | 1.1765% | 1,733 |
| Credit loss provision to net charge-offs | 11.3074% | 6,326 |
| Earnings coverage of net charge-offs (x) | 0.4983% | 5,524 |
| Efficiency ratio | 86.8293% | 1,548 |
| Assets per employee ($millions) | 2.8615% | 6,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 4,498 |
| Loan loss allowance to noncurrent loans | 45.4092% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 2.0598% | 3,394 |
| Noncurrent loans to loans | 3.0680% | 2,603 |
| Net loans and leases to total assets | 66.2028% | 3,641 |
| Net loans and leases to deposits | 83.0004% | 2,912 |
| Net loans and leases to core deposits | 90.6392% | 3,005 |
| Total domestic deposits to total assets | 79.7620% | 5,788 |
| Equity capital to assets | 12.3895% | 1,920 |
| Core capital (leverage) ratio | 9.7006% | 3,621 |
| Tier 1 risk-based capital ratio | 13.3788% | 4,292 |
| Total risk-based capital ratio | 14.6316% | 4,255 |
| Memoranda: | ||
| Average total assets | $47,596,000 | 6,693 |
| Average earning assets | $40,699,500 | 6,769 |
| Average equity | $5,945,750 | 6,463 |
| Average total loans | $32,072,750 | 6,391 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8221% | 1,373 |
| Cost of funding earning assets | 1.8089% | 1,611 |
| Net interest margin | 4.0132% | 2,951 |
| Noninterest income to average assets | 1.0456% | 1,235 |
| Noninterest expense to average assets | 4.3178% | 711 |
| Loan and lease loss provision to assets | 0.0974% | 5,937 |
| Net operating income to assets | 0.0677% | 5,949 |
| Return on assets (ROA) | 0.0804% | 6,026 |
| Pretax return on assets | 0.0804% | 6,019 |
| Return on Equity (ROE) | 0.6420% | 6,048 |
| Retained earnings to average equity (ytd only) | 0.6420% | 5,507 |
| Net charge-offs to loans | 1.7693% | 1,052 |
| Credit loss provision to net charge-offs | 8.1560% | 5,961 |
| Earnings coverage of net charge-offs (x) | 0.1383% | 5,585 |
| Efficiency ratio | 91.5958% | 1,214 |
| Assets per employee ($millions) | 2.7849% | 6,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 4,432 |
| Loan loss allowance to noncurrent loans | 32.0201% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 2.9486% | 2,430 |
| Noncurrent loans to loans | 4.3656% | 1,687 |
| Net loans and leases to total assets | 66.5977% | 3,710 |
| Net loans and leases to deposits | 83.7361% | 2,922 |
| Net loans and leases to core deposits | 91.7023% | 3,029 |
| Total domestic deposits to total assets | 79.5328% | 5,883 |
| Equity capital to assets | 12.5211% | 1,786 |
| Core capital (leverage) ratio | 9.4077% | 3,950 |
| Tier 1 risk-based capital ratio | 12.7597% | 4,641 |
| Total risk-based capital ratio | 14.0114% | 4,606 |
| Memoranda: | ||
| Average total assets | $47,246,000 | 6,756 |
| Average earning assets | $40,466,330 | 6,826 |
| Average equity | $5,918,670 | 6,494 |
| Average total loans | $31,877,000 | 6,444 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8269% | 1,382 |
| Cost of funding earning assets | 1.8333% | 1,730 |
| Net interest margin | 3.9936% | 2,892 |
| Noninterest income to average assets | 1.3814% | 634 |
| Noninterest expense to average assets | 4.4579% | 607 |
| Loan and lease loss provision to assets | 0.1187% | 5,407 |
| Net operating income to assets | 0.2204% | 5,616 |
| Return on assets (ROA) | 0.2204% | 5,732 |
| Pretax return on assets | 0.2204% | 5,819 |
| Return on Equity (ROE) | 1.7585% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.7585% | 5,061 |
| Net charge-offs to loans | 0.5907% | 2,326 |
| Credit loss provision to net charge-offs | 29.7872% | 4,816 |
| Earnings coverage of net charge-offs (x) | 0.8511% | 4,285 |
| Efficiency ratio | 88.6926% | 1,528 |
| Assets per employee ($millions) | 2.6154% | 7,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1240% | 1,904 |
| Loan loss allowance to noncurrent loans | 35.9317% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 3.9785% | 1,727 |
| Noncurrent loans to loans | 5.9113% | 1,122 |
| Net loans and leases to total assets | 65.8737% | 3,888 |
| Net loans and leases to deposits | 82.8600% | 3,128 |
| Net loans and leases to core deposits | 90.7686% | 3,263 |
| Total domestic deposits to total assets | 79.5000% | 5,948 |
| Equity capital to assets | 12.5685% | 1,713 |
| Core capital (leverage) ratio | 9.4251% | 3,884 |
| Tier 1 risk-based capital ratio | 12.8998% | 4,406 |
| Total risk-based capital ratio | 14.1583% | 4,378 |
| Memoranda: | ||
| Average total assets | $47,197,000 | 6,832 |
| Average earning assets | $40,364,500 | 6,916 |
| Average equity | $5,914,000 | 6,551 |
| Average total loans | $31,827,000 | 6,529 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5955% | 559 |
| Cost of funding earning assets | 2.0965% | 2,476 |
| Net interest margin | 4.4991% | 1,182 |
| Noninterest income to average assets | 0.8447% | 2,203 |
| Noninterest expense to average assets | 4.2191% | 1,070 |
| Loan and lease loss provision to assets | 0.6962% | 3,035 |
| Net operating income to assets | -0.2261% | 5,868 |
| Return on assets (ROA) | -0.2217% | 5,858 |
| Pretax return on assets | -0.2217% | 5,728 |
| Return on Equity (ROE) | -1.7240% | 5,811 |
| Retained earnings to average equity (ytd only) | -2.0688% | 5,532 |
| Net charge-offs to loans | 0.0806% | 6,302 |
| Credit loss provision to net charge-offs | 1,207.6923% | 253 |
| Earnings coverage of net charge-offs (x) | 8.1538% | 1,989 |
| Efficiency ratio | 85.2955% | 2,189 |
| Assets per employee ($millions) | 2.6287% | 6,985 |
| Cash dividends to net income (ytd only)* | -20.0000% | 7,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2084% | 1,635 |
| Loan loss allowance to noncurrent loans | 51.2709% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 3.3287% | 2,052 |
| Noncurrent loans to loans | 4.3073% | 1,676 |
| Net loans and leases to total assets | 66.0728% | 4,130 |
| Net loans and leases to deposits | 83.0292% | 3,443 |
| Net loans and leases to core deposits | 106.4309% | 3,287 |
| Total domestic deposits to total assets | 79.5777% | 5,820 |
| Equity capital to assets | 12.4926% | 1,753 |
| Core capital (leverage) ratio | 9.4353% | 3,796 |
| Tier 1 risk-based capital ratio | 12.5077% | 4,518 |
| Total risk-based capital ratio | 13.7691% | 4,456 |
| Memoranda: | ||
| Average total assets | $45,104,200 | 6,909 |
| Average earning assets | $38,541,200 | 6,995 |
| Average equity | $5,800,400 | 6,671 |
| Average total loans | $32,257,600 | 6,505 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6515% | 557 |
| Cost of funding earning assets | 2.1427% | 2,698 |
| Net interest margin | 4.5088% | 1,172 |
| Noninterest income to average assets | 0.8589% | 2,160 |
| Noninterest expense to average assets | 4.2706% | 948 |
| Loan and lease loss provision to assets | 0.4220% | 3,798 |
| Net operating income to assets | 0.0329% | 5,645 |
| Return on assets (ROA) | 0.0389% | 5,669 |
| Pretax return on assets | 0.0389% | 5,632 |
| Return on Equity (ROE) | 0.3002% | 5,684 |
| Retained earnings to average equity (ytd only) | -0.1616% | 5,252 |
| Net charge-offs to loans | 0.0907% | 5,779 |
| Credit loss provision to net charge-offs | 640.9091% | 584 |
| Earnings coverage of net charge-offs (x) | 6.9096% | 2,518 |
| Efficiency ratio | 85.6238% | 2,105 |
| Assets per employee ($millions) | 2.6131% | 7,022 |
| Cash dividends to net income (ytd only)* | 153.8950% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 2,762 |
| Loan loss allowance to noncurrent loans | 62.0809% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 2.4003% | 2,871 |
| Noncurrent loans to loans | 2.6766% | 2,832 |
| Net loans and leases to total assets | 67.5653% | 4,056 |
| Net loans and leases to deposits | 85.5428% | 3,409 |
| Net loans and leases to core deposits | 109.2134% | 3,325 |
| Total domestic deposits to total assets | 78.9842% | 5,808 |
| Equity capital to assets | 12.8221% | 1,775 |
| Core capital (leverage) ratio | 9.7878% | 3,533 |
| Tier 1 risk-based capital ratio | 12.5853% | 4,481 |
| Total risk-based capital ratio | 13.8404% | 4,428 |
| Memoranda: | ||
| Average total assets | $44,551,250 | 6,980 |
| Average earning assets | $38,205,750 | 7,063 |
| Average equity | $5,772,750 | 6,749 |
| Average total loans | $32,329,750 | 6,550 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6870% | 554 |
| Cost of funding earning assets | 2.1706% | 2,932 |
| Net interest margin | 4.5164% | 1,134 |
| Noninterest income to average assets | 0.8508% | 2,177 |
| Noninterest expense to average assets | 4.4828% | 790 |
| Loan and lease loss provision to assets | 0.6038% | 2,636 |
| Net operating income to assets | -0.3431% | 6,384 |
| Return on assets (ROA) | -0.3339% | 6,379 |
| Pretax return on assets | -0.3339% | 6,266 |
| Return on Equity (ROE) | -2.5674% | 6,308 |
| Retained earnings to average equity (ytd only) | -3.2708% | 6,015 |
| Net charge-offs to loans | 0.1485% | 4,706 |
| Credit loss provision to net charge-offs | 550.0000% | 843 |
| Earnings coverage of net charge-offs (x) | 2.3750% | 3,876 |
| Efficiency ratio | 89.6818% | 1,845 |
| Assets per employee ($millions) | 2.2897% | 7,570 |
| Cash dividends to net income (ytd only)* | -27.3973% | 7,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 2,664 |
| Loan loss allowance to noncurrent loans | 63.2972% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 2.3911% | 2,717 |
| Noncurrent loans to loans | 2.5581% | 2,834 |
| Net loans and leases to total assets | 69.7886% | 3,756 |
| Net loans and leases to deposits | 88.6839% | 3,059 |
| Net loans and leases to core deposits | 114.1801% | 2,888 |
| Total domestic deposits to total assets | 78.6937% | 5,900 |
| Equity capital to assets | 12.9755% | 1,703 |
| Core capital (leverage) ratio | 9.6440% | 3,713 |
| Tier 1 risk-based capital ratio | 11.7330% | 5,163 |
| Total risk-based capital ratio | 12.9841% | 5,085 |
| Memoranda: | ||
| Average total assets | $43,723,000 | 7,066 |
| Average earning assets | $37,685,000 | 7,149 |
| Average equity | $5,686,670 | 6,838 |
| Average total loans | $32,334,000 | 6,598 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7540% | 525 |
| Cost of funding earning assets | 2.1931% | 3,200 |
| Net interest margin | 4.5608% | 1,016 |
| Noninterest income to average assets | 0.8996% | 1,853 |
| Noninterest expense to average assets | 4.3666% | 811 |
| Loan and lease loss provision to assets | 0.0281% | 6,574 |
| Net operating income to assets | 0.4217% | 4,772 |
| Return on assets (ROA) | 0.4404% | 4,867 |
| Pretax return on assets | 0.4404% | 5,271 |
| Return on Equity (ROE) | 3.3819% | 5,217 |
| Retained earnings to average equity (ytd only) | 1.9428% | 4,774 |
| Net charge-offs to loans | 0.2852% | 2,972 |
| Credit loss provision to net charge-offs | 13.0435% | 5,165 |
| Earnings coverage of net charge-offs (x) | 2.0870% | 3,680 |
| Efficiency ratio | 85.9922% | 2,066 |
| Assets per employee ($millions) | 2.2197% | 7,688 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 4,598 |
| Loan loss allowance to noncurrent loans | 61.8012% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 2.0453% | 2,831 |
| Noncurrent loans to loans | 1.9878% | 3,277 |
| Net loans and leases to total assets | 72.0796% | 3,229 |
| Net loans and leases to deposits | 92.5495% | 2,505 |
| Net loans and leases to core deposits | 116.9896% | 2,683 |
| Total domestic deposits to total assets | 77.8821% | 6,053 |
| Equity capital to assets | 13.6640% | 1,475 |
| Core capital (leverage) ratio | 10.2098% | 3,190 |
| Tier 1 risk-based capital ratio | 12.1209% | 4,850 |
| Total risk-based capital ratio | 13.2386% | 4,861 |
| Memoranda: | ||
| Average total assets | $42,687,500 | 7,144 |
| Average earning assets | $36,660,000 | 7,235 |
| Average equity | $5,559,000 | 6,927 |
| Average total loans | $32,258,500 | 6,632 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7198% | 271 |
| Cost of funding earning assets | 2.6607% | 3,367 |
| Net interest margin | 5.0591% | 446 |
| Noninterest income to average assets | 0.9507% | 1,764 |
| Noninterest expense to average assets | 4.5416% | 855 |
| Loan and lease loss provision to assets | 1.5822% | 836 |
| Net operating income to assets | -0.8132% | 7,144 |
| Return on assets (ROA) | -0.8132% | 7,051 |
| Pretax return on assets | -0.8132% | 6,889 |
| Return on Equity (ROE) | -6.2328% | 6,980 |
| Retained earnings to average equity (ytd only) | -10.5190% | 7,114 |
| Net charge-offs to loans | 2.0889% | 509 |
| Credit loss provision to net charge-offs | 105.7632% | 5,065 |
| Earnings coverage of net charge-offs (x) | 0.5140% | 5,922 |
| Efficiency ratio | 81.0882% | 2,431 |
| Assets per employee ($millions) | 2.0491% | 7,868 |
| Cash dividends to net income (ytd only)* | -68.7679% | 8,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 3,771 |
| Loan loss allowance to noncurrent loans | 27.4458% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 3.7164% | 1,162 |
| Noncurrent loans to loans | 4.7416% | 976 |
| Net loans and leases to total assets | 77.3578% | 2,300 |
| Net loans and leases to deposits | 98.7140% | 2,024 |
| Net loans and leases to core deposits | 117.4844% | 2,949 |
| Total domestic deposits to total assets | 78.3656% | 5,590 |
| Equity capital to assets | 12.3277% | 2,095 |
| Core capital (leverage) ratio | 7.9983% | 6,494 |
| Tier 1 risk-based capital ratio | 10.1193% | 6,612 |
| Total risk-based capital ratio | 11.4148% | 6,419 |
| Memoranda: | ||
| Average total assets | $42,914,400 | 7,083 |
| Average earning assets | $36,983,000 | 7,191 |
| Average equity | $5,599,400 | 6,949 |
| Average total loans | $30,734,200 | 6,661 |