Home > Farmers & Merchants Bank > Performance and Condition Ratios
Farmers & Merchants Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 2,500 |
| Cost of funding earning assets | 0.4987% | 4,119 |
| Net interest margin | 4.1558% | 1,472 |
| Noninterest income to average assets | 0.2286% | 4,384 |
| Noninterest expense to average assets | 2.4855% | 3,529 |
| Loan and lease loss provision to assets | 0.0340% | 3,146 |
| Net operating income to assets | 0.8479% | 3,480 |
| Return on assets (ROA) | 0.8171% | 3,649 |
| Pretax return on assets | 1.5613% | 1,664 |
| Return on Equity (ROE) | 6.6090% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.6090% | 2,001 |
| Net charge-offs to loans | -0.0372% | 4,743 |
| Credit loss provision to net charge-offs | -175.0000% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3306% | 3,677 |
| Assets per employee ($millions) | 3.7913% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1255% | 378 |
| Loan loss allowance to noncurrent loans | 562.0253% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 3,824 |
| Noncurrent loans to loans | 0.3782% | 3,171 |
| Net loans and leases to total assets | 49.0241% | 4,522 |
| Net loans and leases to deposits | 56.2665% | 4,582 |
| Net loans and leases to core deposits | 59.5734% | 4,589 |
| Total domestic deposits to total assets | 87.1283% | 1,532 |
| Equity capital to assets | 12.6271% | 1,785 |
| Core capital (leverage) ratio | 12.5033% | 1,536 |
| Tier 1 risk-based capital ratio | 23.5057% | 894 |
| Total risk-based capital ratio | 24.7655% | 872 |
| Memoranda: | ||
| Average total assets | $41,119,000 | 4,987 |
| Average earning assets | $38,500,000 | 4,971 |
| Average equity | $5,084,000 | 4,975 |
| Average total loans | $21,527,000 | 4,944 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 2,263 |
| Cost of funding earning assets | 0.4710% | 4,200 |
| Net interest margin | 4.2183% | 1,266 |
| Noninterest income to average assets | 0.2253% | 4,395 |
| Noninterest expense to average assets | 2.5768% | 3,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2345% | 1,933 |
| Return on assets (ROA) | 1.2345% | 1,982 |
| Pretax return on assets | 1.5970% | 1,480 |
| Return on Equity (ROE) | 10.0941% | 2,330 |
| Retained earnings to average equity (ytd only) | 10.0941% | 1,014 |
| Net charge-offs to loans | -0.0549% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7371% | 3,576 |
| Assets per employee ($millions) | 3.7472% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0075% | 491 |
| Loan loss allowance to noncurrent loans | 449.4845% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 3,680 |
| Noncurrent loans to loans | 0.4466% | 2,985 |
| Net loans and leases to total assets | 51.6340% | 4,363 |
| Net loans and leases to deposits | 59.0768% | 4,460 |
| Net loans and leases to core deposits | 62.5805% | 4,447 |
| Total domestic deposits to total assets | 87.4014% | 1,616 |
| Equity capital to assets | 12.4312% | 1,776 |
| Core capital (leverage) ratio | 12.6619% | 1,428 |
| Tier 1 risk-based capital ratio | 22.8181% | 957 |
| Total risk-based capital ratio | 24.0782% | 931 |
| Memoranda: | ||
| Average total assets | $40,826,500 | 5,047 |
| Average earning assets | $38,214,500 | 5,031 |
| Average equity | $4,993,000 | 5,028 |
| Average total loans | $21,846,000 | 4,999 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 1,705 |
| Cost of funding earning assets | 0.3313% | 4,401 |
| Net interest margin | 4.4101% | 913 |
| Noninterest income to average assets | 0.3100% | 4,040 |
| Noninterest expense to average assets | 2.8839% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1505% | 2,381 |
| Return on assets (ROA) | 1.1467% | 2,400 |
| Pretax return on assets | 1.5157% | 1,731 |
| Return on Equity (ROE) | 9.8138% | 2,596 |
| Retained earnings to average equity (ytd only) | 6.6549% | 1,839 |
| Net charge-offs to loans | 0.0181% | 3,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 154.5000% | 551 |
| Efficiency ratio | 65.4749% | 2,957 |
| Assets per employee ($millions) | 3.1103% | 4,919 |
| Cash dividends to net income (ytd only)* | 32.1888% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9706% | 495 |
| Loan loss allowance to noncurrent loans | 328.0303% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 2,935 |
| Noncurrent loans to loans | 0.6007% | 2,479 |
| Net loans and leases to total assets | 53.2720% | 4,336 |
| Net loans and leases to deposits | 60.6163% | 4,449 |
| Net loans and leases to core deposits | 64.9950% | 4,404 |
| Total domestic deposits to total assets | 87.8840% | 1,353 |
| Equity capital to assets | 12.0245% | 1,877 |
| Core capital (leverage) ratio | 12.3286% | 1,548 |
| Tier 1 risk-based capital ratio | 22.1323% | 1,013 |
| Total risk-based capital ratio | 23.3898% | 990 |
| Memoranda: | ||
| Average total assets | $40,640,000 | 5,090 |
| Average earning assets | $37,731,800 | 5,079 |
| Average equity | $4,748,400 | 5,085 |
| Average total loans | $22,069,400 | 5,027 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 1,613 |
| Cost of funding earning assets | 0.3148% | 4,416 |
| Net interest margin | 4.4070% | 888 |
| Noninterest income to average assets | 0.3146% | 4,049 |
| Noninterest expense to average assets | 2.9391% | 2,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0865% | 2,729 |
| Return on assets (ROA) | 1.0813% | 2,755 |
| Pretax return on assets | 1.4515% | 2,056 |
| Return on Equity (ROE) | 9.3218% | 2,945 |
| Retained earnings to average equity (ytd only) | 7.9093% | 1,699 |
| Net charge-offs to loans | 0.0241% | 2,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 111.3171% | 695 |
| Efficiency ratio | 66.8405% | 2,743 |
| Assets per employee ($millions) | 3.1379% | 4,931 |
| Cash dividends to net income (ytd only)* | 15.1526% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8927% | 606 |
| Loan loss allowance to noncurrent loans | 291.2752% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 2,909 |
| Noncurrent loans to loans | 0.6498% | 2,465 |
| Net loans and leases to total assets | 55.1467% | 4,283 |
| Net loans and leases to deposits | 62.7101% | 4,411 |
| Net loans and leases to core deposits | 66.4461% | 4,388 |
| Total domestic deposits to total assets | 87.9391% | 1,259 |
| Equity capital to assets | 11.7226% | 2,087 |
| Core capital (leverage) ratio | 12.6217% | 1,449 |
| Tier 1 risk-based capital ratio | 21.3061% | 1,138 |
| Total risk-based capital ratio | 22.5616% | 1,121 |
| Memoranda: | ||
| Average total assets | $40,691,500 | 5,152 |
| Average earning assets | $37,696,500 | 5,142 |
| Average equity | $4,720,000 | 5,153 |
| Average total loans | $22,093,500 | 5,089 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 1,465 |
| Cost of funding earning assets | 0.2752% | 4,599 |
| Net interest margin | 4.4408% | 783 |
| Noninterest income to average assets | 0.3050% | 4,135 |
| Noninterest expense to average assets | 2.9220% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1423% | 2,424 |
| Return on assets (ROA) | 1.1462% | 2,411 |
| Pretax return on assets | 1.5151% | 1,761 |
| Return on Equity (ROE) | 9.9163% | 2,600 |
| Retained earnings to average equity (ytd only) | 7.7883% | 1,711 |
| Net charge-offs to loans | -0.0183% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9267% | 2,998 |
| Assets per employee ($millions) | 3.1330% | 4,986 |
| Cash dividends to net income (ytd only)* | 21.4592% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9787% | 534 |
| Loan loss allowance to noncurrent loans | 233.5106% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 2,890 |
| Noncurrent loans to loans | 0.8474% | 2,028 |
| Net loans and leases to total assets | 53.3944% | 4,384 |
| Net loans and leases to deposits | 60.6222% | 4,498 |
| Net loans and leases to core deposits | 62.3910% | 4,586 |
| Total domestic deposits to total assets | 88.0773% | 1,336 |
| Equity capital to assets | 11.6428% | 2,095 |
| Core capital (leverage) ratio | 12.0419% | 1,686 |
| Tier 1 risk-based capital ratio | 21.5170% | 1,099 |
| Total risk-based capital ratio | 22.7768% | 1,074 |
| Memoranda: | ||
| Average total assets | $40,657,670 | 5,212 |
| Average earning assets | $37,785,670 | 5,200 |
| Average equity | $4,699,330 | 5,213 |
| Average total loans | $21,814,670 | 5,153 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8136% | 1,053 |
| Cost of funding earning assets | 0.3082% | 4,286 |
| Net interest margin | 4.5055% | 610 |
| Noninterest income to average assets | 0.3643% | 3,704 |
| Noninterest expense to average assets | 2.9147% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1619% | 2,168 |
| Return on assets (ROA) | 1.1619% | 2,181 |
| Pretax return on assets | 1.6247% | 1,320 |
| Return on Equity (ROE) | 10.0898% | 2,383 |
| Retained earnings to average equity (ytd only) | 5.8145% | 2,799 |
| Net charge-offs to loans | -0.0185% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2082% | 3,446 |
| Assets per employee ($millions) | 3.4169% | 4,772 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0170% | 527 |
| Loan loss allowance to noncurrent loans | 289.4040% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 3,026 |
| Noncurrent loans to loans | 0.6969% | 2,469 |
| Net loans and leases to total assets | 51.7743% | 4,450 |
| Net loans and leases to deposits | 58.5708% | 4,562 |
| Net loans and leases to core deposits | 60.2617% | 4,640 |
| Total domestic deposits to total assets | 88.3960% | 1,409 |
| Equity capital to assets | 11.3504% | 2,254 |
| Core capital (leverage) ratio | 11.8718% | 1,739 |
| Tier 1 risk-based capital ratio | 21.2024% | 1,177 |
| Total risk-based capital ratio | 22.4602% | 1,144 |
| Memoranda: | ||
| Average total assets | $40,622,000 | 5,269 |
| Average earning assets | $37,643,000 | 5,261 |
| Average equity | $4,678,000 | 5,266 |
| Average total loans | $21,629,000 | 5,214 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 1,755 |
| Cost of funding earning assets | 0.3015% | 4,127 |
| Net interest margin | 4.1852% | 1,219 |
| Noninterest income to average assets | 0.3444% | 4,004 |
| Noninterest expense to average assets | 2.8366% | 2,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8928% | 2,754 |
| Return on assets (ROA) | 0.8928% | 2,778 |
| Pretax return on assets | 1.4030% | 1,978 |
| Return on Equity (ROE) | 7.6276% | 2,989 |
| Retained earnings to average equity (ytd only) | 6.5379% | 1,264 |
| Net charge-offs to loans | 0.1000% | 2,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 26.1905% | 1,686 |
| Efficiency ratio | 66.9073% | 3,096 |
| Assets per employee ($millions) | 3.3534% | 4,872 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0239% | 516 |
| Loan loss allowance to noncurrent loans | 233.6898% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 2,719 |
| Noncurrent loans to loans | 0.8661% | 2,062 |
| Net loans and leases to total assets | 52.5708% | 4,479 |
| Net loans and leases to deposits | 59.5681% | 4,595 |
| Net loans and leases to core deposits | 61.3242% | 4,694 |
| Total domestic deposits to total assets | 88.2533% | 1,373 |
| Equity capital to assets | 11.6846% | 2,048 |
| Core capital (leverage) ratio | 11.7151% | 1,786 |
| Tier 1 risk-based capital ratio | 20.7147% | 1,194 |
| Total risk-based capital ratio | 21.9784% | 1,162 |
| Memoranda: | ||
| Average total assets | $39,202,400 | 5,339 |
| Average earning assets | $36,485,800 | 5,328 |
| Average equity | $4,588,600 | 5,336 |
| Average total loans | $21,004,800 | 5,286 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4877% | 1,679 |
| Cost of funding earning assets | 0.3021% | 4,106 |
| Net interest margin | 4.1856% | 1,190 |
| Noninterest income to average assets | 0.3492% | 4,037 |
| Noninterest expense to average assets | 2.8451% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9210% | 2,920 |
| Return on assets (ROA) | 0.9210% | 2,980 |
| Pretax return on assets | 1.3935% | 2,136 |
| Return on Equity (ROE) | 7.8649% | 3,197 |
| Retained earnings to average equity (ytd only) | 7.1340% | 1,622 |
| Net charge-offs to loans | -0.0192% | 4,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1244% | 3,031 |
| Assets per employee ($millions) | 3.3344% | 4,935 |
| Cash dividends to net income (ytd only)* | 9.2929% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1289% | 457 |
| Loan loss allowance to noncurrent loans | 190.9091% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6923% | 2,431 |
| Noncurrent loans to loans | 1.1152% | 1,724 |
| Net loans and leases to total assets | 53.0802% | 4,487 |
| Net loans and leases to deposits | 60.3586% | 4,622 |
| Net loans and leases to core deposits | 62.1550% | 4,701 |
| Total domestic deposits to total assets | 87.9414% | 1,397 |
| Equity capital to assets | 11.7637% | 2,142 |
| Core capital (leverage) ratio | 11.6983% | 1,887 |
| Tier 1 risk-based capital ratio | 21.0188% | 1,193 |
| Total risk-based capital ratio | 22.2776% | 1,165 |
| Memoranda: | ||
| Average total assets | $38,942,750 | 5,399 |
| Average earning assets | $36,187,000 | 5,385 |
| Average equity | $4,560,250 | 5,396 |
| Average total loans | $20,858,000 | 5,347 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5429% | 1,408 |
| Cost of funding earning assets | 0.2913% | 4,174 |
| Net interest margin | 4.2516% | 971 |
| Noninterest income to average assets | 0.3784% | 3,846 |
| Noninterest expense to average assets | 2.8871% | 2,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9537% | 2,640 |
| Return on assets (ROA) | 0.9537% | 2,699 |
| Pretax return on assets | 1.4254% | 1,917 |
| Return on Equity (ROE) | 8.1572% | 2,939 |
| Retained earnings to average equity (ytd only) | 7.0489% | 1,575 |
| Net charge-offs to loans | 0.2041% | 989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 13.0952% | 2,152 |
| Efficiency ratio | 66.9471% | 3,189 |
| Assets per employee ($millions) | 3.3526% | 4,920 |
| Cash dividends to net income (ytd only)* | 13.5870% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0094% | 591 |
| Loan loss allowance to noncurrent loans | 370.3390% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 3,587 |
| Noncurrent loans to loans | 0.5426% | 3,120 |
| Net loans and leases to total assets | 52.9716% | 4,485 |
| Net loans and leases to deposits | 59.9449% | 4,634 |
| Net loans and leases to core deposits | 61.7102% | 4,731 |
| Total domestic deposits to total assets | 88.3672% | 1,269 |
| Equity capital to assets | 11.5334% | 2,296 |
| Core capital (leverage) ratio | 11.3398% | 2,092 |
| Tier 1 risk-based capital ratio | 20.8733% | 1,209 |
| Total risk-based capital ratio | 22.1314% | 1,179 |
| Memoranda: | ||
| Average total assets | $38,586,000 | 5,452 |
| Average earning assets | $35,704,000 | 5,439 |
| Average equity | $4,511,330 | 5,440 |
| Average total loans | $20,577,000 | 5,390 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 1,270 |
| Cost of funding earning assets | 0.2626% | 4,429 |
| Net interest margin | 4.2820% | 825 |
| Noninterest income to average assets | 0.4343% | 3,419 |
| Noninterest expense to average assets | 2.7434% | 2,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1440% | 1,697 |
| Return on assets (ROA) | 1.1440% | 1,735 |
| Pretax return on assets | 1.6630% | 1,084 |
| Return on Equity (ROE) | 9.7144% | 2,090 |
| Retained earnings to average equity (ytd only) | 7.4657% | 1,666 |
| Net charge-offs to loans | 0.6603% | 269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.7576% | 2,351 |
| Efficiency ratio | 62.2596% | 4,113 |
| Assets per employee ($millions) | 3.2213% | 5,137 |
| Cash dividends to net income (ytd only)* | 23.1481% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0255% | 643 |
| Loan loss allowance to noncurrent loans | 263.9752% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4165% | 3,517 |
| Noncurrent loans to loans | 0.7673% | 2,556 |
| Net loans and leases to total assets | 53.1793% | 4,409 |
| Net loans and leases to deposits | 60.3464% | 4,543 |
| Net loans and leases to core deposits | 62.2035% | 4,643 |
| Total domestic deposits to total assets | 88.1234% | 1,642 |
| Equity capital to assets | 11.6567% | 2,075 |
| Core capital (leverage) ratio | 11.8696% | 1,709 |
| Tier 1 risk-based capital ratio | 21.8904% | 1,097 |
| Total risk-based capital ratio | 23.1503% | 1,072 |
| Memoranda: | ||
| Average total assets | $37,763,500 | 5,529 |
| Average earning assets | $35,030,000 | 5,513 |
| Average equity | $4,447,000 | 5,505 |
| Average total loans | $19,991,500 | 5,464 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6052% | 1,273 |
| Cost of funding earning assets | 0.3205% | 3,842 |
| Net interest margin | 4.2846% | 954 |
| Noninterest income to average assets | 0.4314% | 3,671 |
| Noninterest expense to average assets | 3.0840% | 2,084 |
| Loan and lease loss provision to assets | 0.0863% | 2,641 |
| Net operating income to assets | 0.8497% | 3,071 |
| Return on assets (ROA) | 0.9129% | 2,866 |
| Pretax return on assets | 1.2943% | 2,303 |
| Return on Equity (ROE) | 7.4958% | 3,219 |
| Retained earnings to average equity (ytd only) | 6.6959% | 1,359 |
| Net charge-offs to loans | 0.0276% | 3,480 |
| Credit loss provision to net charge-offs | 620.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 92.8000% | 639 |
| Efficiency ratio | 70.4835% | 2,832 |
| Assets per employee ($millions) | 3.0726% | 5,290 |
| Cash dividends to net income (ytd only)* | 10.6707% | 4,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4157% | 348 |
| Loan loss allowance to noncurrent loans | 178.5992% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6970% | 2,631 |
| Noncurrent loans to loans | 1.3526% | 1,519 |
| Net loans and leases to total assets | 50.2888% | 4,748 |
| Net loans and leases to deposits | 57.2107% | 4,847 |
| Net loans and leases to core deposits | 59.0641% | 4,900 |
| Total domestic deposits to total assets | 87.9011% | 1,681 |
| Equity capital to assets | 11.9010% | 1,876 |
| Core capital (leverage) ratio | 12.2139% | 1,467 |
| Tier 1 risk-based capital ratio | 23.8478% | 881 |
| Total risk-based capital ratio | 25.1160% | 861 |
| Memoranda: | ||
| Average total assets | $35,927,600 | 5,620 |
| Average earning assets | $33,071,600 | 5,606 |
| Average equity | $4,375,800 | 5,579 |
| Average total loans | $18,109,600 | 5,573 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 1,139 |
| Cost of funding earning assets | 0.3251% | 3,817 |
| Net interest margin | 4.3438% | 856 |
| Noninterest income to average assets | 0.4856% | 3,347 |
| Noninterest expense to average assets | 3.1043% | 2,017 |
| Loan and lease loss provision to assets | 0.1009% | 2,226 |
| Net operating income to assets | 0.8263% | 3,253 |
| Return on assets (ROA) | 0.9040% | 3,026 |
| Pretax return on assets | 1.3934% | 2,058 |
| Return on Equity (ROE) | 7.3789% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.0740% | 1,584 |
| Net charge-offs to loans | 0.0671% | 2,369 |
| Credit loss provision to net charge-offs | 300.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 40.8875% | 1,218 |
| Efficiency ratio | 69.3078% | 2,999 |
| Assets per employee ($millions) | 2.9733% | 5,408 |
| Cash dividends to net income (ytd only)* | 4.1313% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3974% | 381 |
| Loan loss allowance to noncurrent loans | 224.3781% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 3,224 |
| Noncurrent loans to loans | 1.0685% | 2,111 |
| Net loans and leases to total assets | 51.4616% | 4,696 |
| Net loans and leases to deposits | 59.2252% | 4,807 |
| Net loans and leases to core deposits | 61.2340% | 4,874 |
| Total domestic deposits to total assets | 86.8914% | 1,935 |
| Equity capital to assets | 12.6265% | 1,689 |
| Core capital (leverage) ratio | 12.2134% | 1,535 |
| Tier 1 risk-based capital ratio | 24.1601% | 892 |
| Total risk-based capital ratio | 25.4352% | 870 |
| Memoranda: | ||
| Average total assets | $35,691,750 | 5,682 |
| Average earning assets | $32,812,250 | 5,670 |
| Average equity | $4,372,750 | 5,638 |
| Average total loans | $17,886,750 | 5,637 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 1,015 |
| Cost of funding earning assets | 0.3235% | 3,862 |
| Net interest margin | 4.3946% | 776 |
| Noninterest income to average assets | 0.4538% | 3,494 |
| Noninterest expense to average assets | 3.1320% | 1,971 |
| Loan and lease loss provision to assets | 0.1121% | 2,004 |
| Net operating income to assets | 0.8418% | 3,124 |
| Return on assets (ROA) | 0.9637% | 2,701 |
| Pretax return on assets | 1.4231% | 1,938 |
| Return on Equity (ROE) | 7.9470% | 3,006 |
| Retained earnings to average equity (ytd only) | 7.4850% | 1,389 |
| Net charge-offs to loans | 0.1820% | 1,252 |
| Credit loss provision to net charge-offs | 125.0000% | 1,802 |
| Earnings coverage of net charge-offs (x) | 15.1250% | 2,013 |
| Efficiency ratio | 69.7878% | 3,013 |
| Assets per employee ($millions) | 2.9592% | 5,469 |
| Cash dividends to net income (ytd only)* | 5.8140% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4056% | 408 |
| Loan loss allowance to noncurrent loans | 195.9641% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.8420% | 2,490 |
| Noncurrent loans to loans | 1.2276% | 1,871 |
| Net loans and leases to total assets | 49.9268% | 4,845 |
| Net loans and leases to deposits | 57.8000% | 4,913 |
| Net loans and leases to core deposits | 59.7822% | 4,993 |
| Total domestic deposits to total assets | 86.3785% | 2,225 |
| Equity capital to assets | 12.4669% | 1,791 |
| Core capital (leverage) ratio | 11.9151% | 1,693 |
| Tier 1 risk-based capital ratio | 23.9019% | 914 |
| Total risk-based capital ratio | 25.1616% | 894 |
| Memoranda: | ||
| Average total assets | $35,696,000 | 5,749 |
| Average earning assets | $32,767,670 | 5,739 |
| Average equity | $4,328,670 | 5,713 |
| Average total loans | $17,578,330 | 5,714 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7665% | 912 |
| Cost of funding earning assets | 0.3291% | 3,852 |
| Net interest margin | 4.4374% | 688 |
| Noninterest income to average assets | 0.5700% | 2,679 |
| Noninterest expense to average assets | 3.0289% | 2,300 |
| Loan and lease loss provision to assets | 0.1565% | 1,338 |
| Net operating income to assets | 0.9982% | 2,288 |
| Return on assets (ROA) | 1.0059% | 2,365 |
| Pretax return on assets | 1.4641% | 1,704 |
| Return on Equity (ROE) | 8.4122% | 2,698 |
| Retained earnings to average equity (ytd only) | 7.4775% | 1,673 |
| Net charge-offs to loans | -0.0463% | 5,290 |
| Credit loss provision to net charge-offs | -700.0000% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3012% | 3,921 |
| Assets per employee ($millions) | 3.0068% | 5,498 |
| Cash dividends to net income (ytd only)* | 11.1111% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5150% | 384 |
| Loan loss allowance to noncurrent loans | 238.8298% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5210% | 3,516 |
| Noncurrent loans to loans | 1.0530% | 2,289 |
| Net loans and leases to total assets | 48.2346% | 4,952 |
| Net loans and leases to deposits | 55.9848% | 4,989 |
| Net loans and leases to core deposits | 57.8783% | 5,056 |
| Total domestic deposits to total assets | 86.1565% | 2,607 |
| Equity capital to assets | 12.0226% | 2,025 |
| Core capital (leverage) ratio | 11.8397% | 1,718 |
| Tier 1 risk-based capital ratio | 23.7102% | 948 |
| Total risk-based capital ratio | 24.9789% | 936 |
| Memoranda: | ||
| Average total assets | $35,789,000 | 5,802 |
| Average earning assets | $32,812,000 | 5,795 |
| Average equity | $4,279,500 | 5,764 |
| Average total loans | $17,284,500 | 5,779 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 1,299 |
| Cost of funding earning assets | 0.3781% | 3,390 |
| Net interest margin | 4.2357% | 1,090 |
| Noninterest income to average assets | 0.3770% | 4,206 |
| Noninterest expense to average assets | 3.3005% | 1,718 |
| Loan and lease loss provision to assets | 0.1595% | 1,452 |
| Net operating income to assets | 0.5259% | 4,596 |
| Return on assets (ROA) | 0.5279% | 4,669 |
| Pretax return on assets | 0.7860% | 4,233 |
| Return on Equity (ROE) | 4.4237% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.4237% | 2,836 |
| Net charge-offs to loans | 0.4246% | 664 |
| Credit loss provision to net charge-offs | 78.5714% | 2,974 |
| Earnings coverage of net charge-offs (x) | 4.6429% | 3,514 |
| Efficiency ratio | 77.7854% | 1,999 |
| Assets per employee ($millions) | 2.9580% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5903% | 361 |
| Loan loss allowance to noncurrent loans | 346.4000% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 3,692 |
| Noncurrent loans to loans | 0.7478% | 2,936 |
| Net loans and leases to total assets | 45.8728% | 5,172 |
| Net loans and leases to deposits | 53.1343% | 5,210 |
| Net loans and leases to core deposits | 54.9563% | 5,259 |
| Total domestic deposits to total assets | 86.3337% | 2,473 |
| Equity capital to assets | 11.8915% | 2,035 |
| Core capital (leverage) ratio | 11.7741% | 1,771 |
| Tier 1 risk-based capital ratio | 24.8494% | 826 |
| Total risk-based capital ratio | 26.1202% | 812 |
| Memoranda: | ||
| Average total assets | $34,479,400 | 5,880 |
| Average earning assets | $31,470,800 | 5,869 |
| Average equity | $4,114,200 | 5,835 |
| Average total loans | $16,488,000 | 5,847 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5761% | 1,397 |
| Cost of funding earning assets | 0.3974% | 3,251 |
| Net interest margin | 4.1788% | 1,215 |
| Noninterest income to average assets | 0.3857% | 4,182 |
| Noninterest expense to average assets | 3.4477% | 1,385 |
| Loan and lease loss provision to assets | 0.1870% | 1,095 |
| Net operating income to assets | 0.3974% | 5,173 |
| Return on assets (ROA) | 0.3974% | 5,266 |
| Pretax return on assets | 0.5610% | 5,066 |
| Return on Equity (ROE) | 3.3272% | 5,281 |
| Retained earnings to average equity (ytd only) | 3.3272% | 4,104 |
| Net charge-offs to loans | 0.4787% | 512 |
| Credit loss provision to net charge-offs | 81.3559% | 2,592 |
| Earnings coverage of net charge-offs (x) | 3.2544% | 3,533 |
| Efficiency ratio | 82.1727% | 1,372 |
| Assets per employee ($millions) | 2.5978% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7651% | 314 |
| Loan loss allowance to noncurrent loans | 240.1099% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.6781% | 3,217 |
| Noncurrent loans to loans | 1.1516% | 2,210 |
| Net loans and leases to total assets | 45.5022% | 5,261 |
| Net loans and leases to deposits | 53.1399% | 5,307 |
| Net loans and leases to core deposits | 55.0769% | 5,349 |
| Total domestic deposits to total assets | 85.6271% | 2,722 |
| Equity capital to assets | 12.2853% | 1,884 |
| Core capital (leverage) ratio | 11.9170% | 1,722 |
| Tier 1 risk-based capital ratio | 25.3939% | 821 |
| Total risk-based capital ratio | 26.6621% | 799 |
| Memoranda: | ||
| Average total assets | $34,225,250 | 5,967 |
| Average earning assets | $31,204,750 | 5,954 |
| Average equity | $4,087,500 | 5,918 |
| Average total loans | $16,431,000 | 5,925 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 1,343 |
| Cost of funding earning assets | 0.4099% | 3,162 |
| Net interest margin | 4.1634% | 1,192 |
| Noninterest income to average assets | 0.2909% | 4,885 |
| Noninterest expense to average assets | 3.4733% | 1,340 |
| Loan and lease loss provision to assets | 0.2094% | 929 |
| Net operating income to assets | 0.2851% | 5,482 |
| Return on assets (ROA) | 0.2851% | 5,568 |
| Pretax return on assets | 0.3898% | 5,486 |
| Return on Equity (ROE) | 2.4096% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.4096% | 4,526 |
| Net charge-offs to loans | 0.6010% | 392 |
| Credit loss provision to net charge-offs | 72.0000% | 2,435 |
| Earnings coverage of net charge-offs (x) | 2.0600% | 3,409 |
| Efficiency ratio | 85.2857% | 1,119 |
| Assets per employee ($millions) | 2.6043% | 5,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7208% | 364 |
| Loan loss allowance to noncurrent loans | 263.0303% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 3,416 |
| Noncurrent loans to loans | 1.0344% | 2,579 |
| Net loans and leases to total assets | 45.8323% | 5,261 |
| Net loans and leases to deposits | 53.6586% | 5,280 |
| Net loans and leases to core deposits | 55.6145% | 5,332 |
| Total domestic deposits to total assets | 85.4147% | 2,962 |
| Equity capital to assets | 11.9358% | 2,077 |
| Core capital (leverage) ratio | 11.5322% | 1,966 |
| Tier 1 risk-based capital ratio | 24.9640% | 863 |
| Total risk-based capital ratio | 26.2335% | 851 |
| Memoranda: | ||
| Average total assets | $34,376,330 | 6,028 |
| Average earning assets | $31,224,330 | 6,021 |
| Average equity | $4,067,000 | 5,983 |
| Average total loans | $16,640,000 | 5,979 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 1,555 |
| Cost of funding earning assets | 0.4085% | 3,212 |
| Net interest margin | 4.0599% | 1,387 |
| Noninterest income to average assets | 0.3696% | 4,251 |
| Noninterest expense to average assets | 3.5800% | 1,164 |
| Loan and lease loss provision to assets | 0.2656% | 599 |
| Net operating income to assets | 0.1848% | 5,711 |
| Return on assets (ROA) | 0.1848% | 5,792 |
| Pretax return on assets | 0.1963% | 5,831 |
| Return on Equity (ROE) | 1.5686% | 5,785 |
| Retained earnings to average equity (ytd only) | 1.5686% | 4,846 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5714% | 969 |
| Assets per employee ($millions) | 2.4991% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8582% | 341 |
| Loan loss allowance to noncurrent loans | 132.3034% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3805% | 1,917 |
| Noncurrent loans to loans | 2.1603% | 1,183 |
| Net loans and leases to total assets | 45.7528% | 5,215 |
| Net loans and leases to deposits | 53.4098% | 5,240 |
| Net loans and leases to core deposits | 54.3455% | 5,350 |
| Total domestic deposits to total assets | 85.6637% | 3,109 |
| Equity capital to assets | 11.7183% | 2,271 |
| Core capital (leverage) ratio | 11.2658% | 2,180 |
| Tier 1 risk-based capital ratio | 22.1327% | 1,218 |
| Total risk-based capital ratio | 23.4007% | 1,200 |
| Memoranda: | ||
| Average total assets | $34,636,500 | 6,087 |
| Average earning assets | $31,331,000 | 6,079 |
| Average equity | $4,080,000 | 6,038 |
| Average total loans | $16,984,500 | 6,016 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 911 |
| Cost of funding earning assets | 0.4586% | 3,091 |
| Net interest margin | 4.4507% | 815 |
| Noninterest income to average assets | 0.5379% | 3,254 |
| Noninterest expense to average assets | 3.3072% | 1,909 |
| Loan and lease loss provision to assets | 0.4269% | 402 |
| Net operating income to assets | 0.5559% | 4,576 |
| Return on assets (ROA) | 0.6461% | 4,260 |
| Pretax return on assets | 0.9734% | 3,600 |
| Return on Equity (ROE) | 5.8080% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.8080% | 2,059 |
| Net charge-offs to loans | 0.7276% | 502 |
| Credit loss provision to net charge-offs | 111.9403% | 2,126 |
| Earnings coverage of net charge-offs (x) | 3.3134% | 3,920 |
| Efficiency ratio | 72.3537% | 3,147 |
| Assets per employee ($millions) | 2.4489% | 6,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5615% | 508 |
| Loan loss allowance to noncurrent loans | 78.0488% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.0446% | 1,234 |
| Noncurrent loans to loans | 3.2819% | 653 |
| Net loans and leases to total assets | 49.7069% | 4,999 |
| Net loans and leases to deposits | 58.6039% | 5,017 |
| Net loans and leases to core deposits | 60.7276% | 5,084 |
| Total domestic deposits to total assets | 84.8184% | 3,361 |
| Equity capital to assets | 11.8419% | 2,139 |
| Core capital (leverage) ratio | 11.5620% | 1,934 |
| Tier 1 risk-based capital ratio | 22.4442% | 1,154 |
| Total risk-based capital ratio | 23.7136% | 1,139 |
| Memoranda: | ||
| Average total assets | $35,135,800 | 6,154 |
| Average earning assets | $31,837,800 | 6,148 |
| Average equity | $3,908,400 | 6,107 |
| Average total loans | $18,415,600 | 6,025 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9700% | 811 |
| Cost of funding earning assets | 0.4704% | 3,051 |
| Net interest margin | 4.4997% | 738 |
| Noninterest income to average assets | 0.5809% | 2,980 |
| Noninterest expense to average assets | 3.3268% | 1,847 |
| Loan and lease loss provision to assets | 0.4677% | 326 |
| Net operating income to assets | 0.6208% | 4,351 |
| Return on assets (ROA) | 0.7431% | 3,811 |
| Pretax return on assets | 1.0335% | 3,454 |
| Return on Equity (ROE) | 6.7862% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.7862% | 1,933 |
| Net charge-offs to loans | 0.4147% | 957 |
| Credit loss provision to net charge-offs | 213.7931% | 1,201 |
| Earnings coverage of net charge-offs (x) | 6.0863% | 3,140 |
| Efficiency ratio | 71.4170% | 3,280 |
| Assets per employee ($millions) | 2.4651% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7152% | 483 |
| Loan loss allowance to noncurrent loans | 73.3432% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 2.3354% | 1,165 |
| Noncurrent loans to loans | 3.7021% | 616 |
| Net loans and leases to total assets | 51.7009% | 4,836 |
| Net loans and leases to deposits | 60.7277% | 4,873 |
| Net loans and leases to core deposits | 64.1973% | 4,861 |
| Total domestic deposits to total assets | 85.1356% | 3,289 |
| Equity capital to assets | 11.5612% | 2,421 |
| Core capital (leverage) ratio | 11.2378% | 2,275 |
| Tier 1 risk-based capital ratio | 21.1594% | 1,424 |
| Total risk-based capital ratio | 22.4301% | 1,394 |
| Memoranda: | ||
| Average total assets | $35,348,500 | 6,221 |
| Average earning assets | $32,031,250 | 6,219 |
| Average equity | $3,870,500 | 6,182 |
| Average total loans | $18,647,000 | 6,077 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 786 |
| Cost of funding earning assets | 0.4783% | 3,043 |
| Net interest margin | 4.4973% | 711 |
| Noninterest income to average assets | 0.5501% | 3,122 |
| Noninterest expense to average assets | 3.5085% | 1,462 |
| Loan and lease loss provision to assets | 0.2919% | 676 |
| Net operating income to assets | 0.6133% | 4,292 |
| Return on assets (ROA) | 0.8028% | 3,421 |
| Pretax return on assets | 1.0666% | 3,218 |
| Return on Equity (ROE) | 7.4661% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.4661% | 1,533 |
| Net charge-offs to loans | 0.6187% | 640 |
| Credit loss provision to net charge-offs | 89.6552% | 2,186 |
| Earnings coverage of net charge-offs (x) | 3.3966% | 3,318 |
| Efficiency ratio | 76.0341% | 2,623 |
| Assets per employee ($millions) | 2.4733% | 6,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2701% | 932 |
| Loan loss allowance to noncurrent loans | 44.8529% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 3.3501% | 719 |
| Noncurrent loans to loans | 5.0611% | 390 |
| Net loans and leases to total assets | 53.0902% | 4,632 |
| Net loans and leases to deposits | 62.7535% | 4,617 |
| Net loans and leases to core deposits | 66.3407% | 4,607 |
| Total domestic deposits to total assets | 84.6012% | 3,686 |
| Equity capital to assets | 11.3383% | 2,570 |
| Core capital (leverage) ratio | 10.8998% | 2,529 |
| Tier 1 risk-based capital ratio | 20.0958% | 1,664 |
| Total risk-based capital ratio | 21.3616% | 1,630 |
| Memoranda: | ||
| Average total assets | $35,627,330 | 6,275 |
| Average earning assets | $32,197,000 | 6,274 |
| Average equity | $3,830,670 | 6,236 |
| Average total loans | $18,749,000 | 6,131 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0238% | 689 |
| Cost of funding earning assets | 0.5036% | 2,870 |
| Net interest margin | 4.5202% | 628 |
| Noninterest income to average assets | 0.7640% | 1,894 |
| Noninterest expense to average assets | 3.4765% | 1,534 |
| Loan and lease loss provision to assets | 0.2879% | 691 |
| Net operating income to assets | 0.8955% | 2,679 |
| Return on assets (ROA) | 1.2954% | 1,278 |
| Pretax return on assets | 1.5500% | 1,292 |
| Return on Equity (ROE) | 12.3711% | 1,320 |
| Retained earnings to average equity (ytd only) | 12.3711% | 564 |
| Net charge-offs to loans | 0.5770% | 639 |
| Credit loss provision to net charge-offs | 96.2963% | 1,736 |
| Earnings coverage of net charge-offs (x) | 4.5556% | 2,508 |
| Efficiency ratio | 71.8535% | 3,517 |
| Assets per employee ($millions) | 2.5938% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2751% | 1,064 |
| Loan loss allowance to noncurrent loans | 44.0367% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 3.1228% | 887 |
| Noncurrent loans to loans | 5.1664% | 417 |
| Net loans and leases to total assets | 51.1002% | 4,785 |
| Net loans and leases to deposits | 59.6809% | 4,796 |
| Net loans and leases to core deposits | 62.8846% | 4,798 |
| Total domestic deposits to total assets | 85.6222% | 3,549 |
| Equity capital to assets | 10.5830% | 3,164 |
| Core capital (leverage) ratio | 10.7316% | 2,670 |
| Tier 1 risk-based capital ratio | 19.3909% | 1,859 |
| Total risk-based capital ratio | 20.6556% | 1,831 |
| Memoranda: | ||
| Average total assets | $36,128,000 | 6,324 |
| Average earning assets | $32,565,000 | 6,329 |
| Average equity | $3,783,000 | 6,292 |
| Average total loans | $18,718,500 | 6,186 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 897 |
| Cost of funding earning assets | 0.5720% | 2,906 |
| Net interest margin | 4.4418% | 836 |
| Noninterest income to average assets | 0.5229% | 3,602 |
| Noninterest expense to average assets | 3.4656% | 1,740 |
| Loan and lease loss provision to assets | 2.2891% | 36 |
| Net operating income to assets | -0.6771% | 6,537 |
| Return on assets (ROA) | -0.4968% | 6,505 |
| Pretax return on assets | -0.9122% | 6,577 |
| Return on Equity (ROE) | -4.4880% | 6,471 |
| Retained earnings to average equity (ytd only) | -4.4880% | 6,340 |
| Net charge-offs to loans | 4.1002% | 36 |
| Credit loss provision to net charge-offs | 107.6503% | 2,227 |
| Earnings coverage of net charge-offs (x) | 0.5150% | 4,908 |
| Efficiency ratio | 75.9873% | 2,770 |
| Assets per employee ($millions) | 2.5674% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3416% | 990 |
| Loan loss allowance to noncurrent loans | 42.4361% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 3.1411% | 984 |
| Noncurrent loans to loans | 5.5179% | 410 |
| Net loans and leases to total assets | 50.1266% | 5,069 |
| Net loans and leases to deposits | 58.8714% | 5,048 |
| Net loans and leases to core deposits | 62.6330% | 5,008 |
| Total domestic deposits to total assets | 85.1459% | 3,668 |
| Equity capital to assets | 10.3581% | 3,331 |
| Core capital (leverage) ratio | 10.6176% | 2,765 |
| Tier 1 risk-based capital ratio | 19.0567% | 1,904 |
| Total risk-based capital ratio | 20.3230% | 1,858 |
| Memoranda: | ||
| Average total assets | $34,423,600 | 6,428 |
| Average earning assets | $31,293,600 | 6,414 |
| Average equity | $3,810,200 | 6,371 |
| Average total loans | $17,852,600 | 6,291 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 895 |
| Cost of funding earning assets | 0.5855% | 2,943 |
| Net interest margin | 4.4386% | 825 |
| Noninterest income to average assets | 0.5444% | 3,496 |
| Noninterest expense to average assets | 3.4621% | 1,693 |
| Loan and lease loss provision to assets | 2.6318% | 24 |
| Net operating income to assets | -1.5117% | 6,764 |
| Return on assets (ROA) | -1.1475% | 6,724 |
| Pretax return on assets | -1.1475% | 6,717 |
| Return on Equity (ROE) | -10.1947% | 6,694 |
| Retained earnings to average equity (ytd only) | -10.1947% | 6,644 |
| Net charge-offs to loans | 5.4225% | 20 |
| Credit loss provision to net charge-offs | 93.3333% | 2,554 |
| Earnings coverage of net charge-offs (x) | 0.3972% | 4,729 |
| Efficiency ratio | 75.5556% | 2,796 |
| Assets per employee ($millions) | 2.4661% | 6,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8217% | 2,232 |
| Loan loss allowance to noncurrent loans | 27.4854% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 3.7277% | 882 |
| Noncurrent loans to loans | 6.6279% | 335 |
| Net loans and leases to total assets | 51.3570% | 4,953 |
| Net loans and leases to deposits | 60.4287% | 4,922 |
| Net loans and leases to core deposits | 64.4670% | 4,853 |
| Total domestic deposits to total assets | 84.9877% | 3,758 |
| Equity capital to assets | 10.5025% | 3,271 |
| Core capital (leverage) ratio | 10.4746% | 3,033 |
| Tier 1 risk-based capital ratio | 18.9600% | 2,004 |
| Total risk-based capital ratio | 20.2152% | 1,957 |
| Memoranda: | ||
| Average total assets | $34,043,750 | 6,504 |
| Average earning assets | $30,970,000 | 6,491 |
| Average equity | $3,832,000 | 6,446 |
| Average total loans | $17,703,500 | 6,359 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9563% | 987 |
| Cost of funding earning assets | 0.5953% | 2,982 |
| Net interest margin | 4.3610% | 917 |
| Noninterest income to average assets | 0.7496% | 2,417 |
| Noninterest expense to average assets | 3.4530% | 1,710 |
| Loan and lease loss provision to assets | 3.1697% | 16 |
| Net operating income to assets | -1.8947% | 6,841 |
| Return on assets (ROA) | -1.3458% | 6,796 |
| Pretax return on assets | -1.3458% | 6,786 |
| Return on Equity (ROE) | -11.6903% | 6,766 |
| Retained earnings to average equity (ytd only) | -11.6903% | 6,703 |
| Net charge-offs to loans | 6.8128% | 17 |
| Credit loss provision to net charge-offs | 89.6494% | 2,450 |
| Earnings coverage of net charge-offs (x) | 0.3606% | 4,421 |
| Efficiency ratio | 73.0337% | 3,303 |
| Assets per employee ($millions) | 2.4531% | 6,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7464% | 2,607 |
| Loan loss allowance to noncurrent loans | 30.1435% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 3.2030% | 1,239 |
| Noncurrent loans to loans | 5.7936% | 513 |
| Net loans and leases to total assets | 51.6029% | 4,914 |
| Net loans and leases to deposits | 60.9779% | 4,865 |
| Net loans and leases to core deposits | 64.3454% | 4,857 |
| Total domestic deposits to total assets | 84.6257% | 4,072 |
| Equity capital to assets | 10.8465% | 2,898 |
| Core capital (leverage) ratio | 10.5629% | 2,808 |
| Tier 1 risk-based capital ratio | 19.5512% | 1,842 |
| Total risk-based capital ratio | 20.8068% | 1,818 |
| Memoranda: | ||
| Average total assets | $33,883,330 | 6,556 |
| Average earning assets | $30,910,000 | 6,538 |
| Average equity | $3,900,670 | 6,475 |
| Average total loans | $17,584,670 | 6,402 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9042% | 1,071 |
| Cost of funding earning assets | 0.5984% | 3,125 |
| Net interest margin | 4.3058% | 958 |
| Noninterest income to average assets | 0.4992% | 3,774 |
| Noninterest expense to average assets | 3.5658% | 1,481 |
| Loan and lease loss provision to assets | 5.4199% | 7 |
| Net operating income to assets | -4.5523% | 6,993 |
| Return on assets (ROA) | -4.5404% | 6,993 |
| Pretax return on assets | -4.5404% | 6,992 |
| Return on Equity (ROE) | -38.3101% | 6,951 |
| Retained earnings to average equity (ytd only) | -38.3101% | 6,929 |
| Net charge-offs to loans | 11.2222% | 9 |
| Credit loss provision to net charge-offs | 93.6345% | 1,960 |
| Earnings coverage of net charge-offs (x) | 0.1499% | 3,768 |
| Efficiency ratio | 80.4290% | 2,267 |
| Assets per employee ($millions) | 2.4251% | 6,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9812% | 2,098 |
| Loan loss allowance to noncurrent loans | 34.9544% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 2.9070% | 1,548 |
| Noncurrent loans to loans | 5.6679% | 619 |
| Net loans and leases to total assets | 50.2739% | 4,952 |
| Net loans and leases to deposits | 60.4533% | 4,743 |
| Net loans and leases to core deposits | 64.6210% | 4,688 |
| Total domestic deposits to total assets | 83.1615% | 4,805 |
| Equity capital to assets | 11.1275% | 2,818 |
| Core capital (leverage) ratio | 10.4739% | 2,816 |
| Tier 1 risk-based capital ratio | 18.7393% | 2,115 |
| Total risk-based capital ratio | 19.9957% | 2,089 |
| Memoranda: | ||
| Average total assets | $33,653,500 | 6,625 |
| Average earning assets | $30,749,000 | 6,608 |
| Average equity | $3,988,500 | 6,523 |
| Average total loans | $17,358,500 | 6,471 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2588% | 1,004 |
| Cost of funding earning assets | 0.6714% | 3,727 |
| Net interest margin | 4.5874% | 801 |
| Noninterest income to average assets | 0.4672% | 4,122 |
| Noninterest expense to average assets | 3.4762% | 1,877 |
| Loan and lease loss provision to assets | 0.5164% | 1,136 |
| Net operating income to assets | 0.4869% | 4,734 |
| Return on assets (ROA) | 0.5655% | 4,664 |
| Pretax return on assets | 0.7100% | 4,637 |
| Return on Equity (ROE) | 4.5176% | 4,918 |
| Retained earnings to average equity (ytd only) | 4.5176% | 3,047 |
| Net charge-offs to loans | 0.5378% | 2,120 |
| Credit loss provision to net charge-offs | 188.7640% | 1,386 |
| Earnings coverage of net charge-offs (x) | 4.1236% | 3,475 |
| Efficiency ratio | 75.5007% | 2,828 |
| Assets per employee ($millions) | 2.5658% | 6,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1730% | 1,598 |
| Loan loss allowance to noncurrent loans | 41.9643% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 2.7762% | 1,732 |
| Noncurrent loans to loans | 5.1783% | 747 |
| Net loans and leases to total assets | 50.7480% | 5,070 |
| Net loans and leases to deposits | 62.4520% | 4,731 |
| Net loans and leases to core deposits | 64.9689% | 4,840 |
| Total domestic deposits to total assets | 81.2592% | 5,324 |
| Equity capital to assets | 12.5888% | 1,643 |
| Core capital (leverage) ratio | 12.1310% | 1,489 |
| Tier 1 risk-based capital ratio | 20.7406% | 1,517 |
| Total risk-based capital ratio | 21.9999% | 1,488 |
| Memoranda: | ||
| Average total assets | $32,535,400 | 6,693 |
| Average earning assets | $29,341,200 | 6,682 |
| Average equity | $4,073,000 | 6,549 |
| Average total loans | $16,550,200 | 6,574 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3616% | 901 |
| Cost of funding earning assets | 0.7063% | 3,706 |
| Net interest margin | 4.6553% | 738 |
| Noninterest income to average assets | 0.4578% | 4,228 |
| Noninterest expense to average assets | 3.4641% | 1,849 |
| Loan and lease loss provision to assets | 0.6145% | 877 |
| Net operating income to assets | 0.4442% | 5,059 |
| Return on assets (ROA) | 0.5485% | 4,889 |
| Pretax return on assets | 0.6970% | 4,872 |
| Return on Equity (ROE) | 4.3877% | 5,105 |
| Retained earnings to average equity (ytd only) | 4.3877% | 3,801 |
| Net charge-offs to loans | 0.3097% | 2,894 |
| Credit loss provision to net charge-offs | 392.1053% | 688 |
| Earnings coverage of net charge-offs (x) | 7.5256% | 2,593 |
| Efficiency ratio | 74.6004% | 2,892 |
| Assets per employee ($millions) | 2.4762% | 6,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3955% | 1,373 |
| Loan loss allowance to noncurrent loans | 49.1566% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 2.5784% | 2,047 |
| Noncurrent loans to loans | 4.8732% | 937 |
| Net loans and leases to total assets | 51.6434% | 5,093 |
| Net loans and leases to deposits | 64.1234% | 4,698 |
| Net loans and leases to core deposits | 67.4183% | 4,788 |
| Total domestic deposits to total assets | 80.5374% | 5,500 |
| Equity capital to assets | 12.9854% | 1,596 |
| Core capital (leverage) ratio | 12.0462% | 1,629 |
| Tier 1 risk-based capital ratio | 21.1723% | 1,485 |
| Total risk-based capital ratio | 22.3866% | 1,466 |
| Memoranda: | ||
| Average total assets | $32,330,500 | 6,785 |
| Average earning assets | $29,070,250 | 6,773 |
| Average equity | $4,041,500 | 6,630 |
| Average total loans | $16,362,000 | 6,665 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3110% | 1,030 |
| Cost of funding earning assets | 0.7380% | 3,699 |
| Net interest margin | 4.5729% | 870 |
| Noninterest income to average assets | 0.4015% | 4,638 |
| Noninterest expense to average assets | 3.4221% | 1,975 |
| Loan and lease loss provision to assets | 0.7969% | 629 |
| Net operating income to assets | 0.2618% | 5,728 |
| Return on assets (ROA) | 0.3953% | 5,469 |
| Pretax return on assets | 0.4200% | 5,659 |
| Return on Equity (ROE) | 3.2037% | 5,606 |
| Retained earnings to average equity (ytd only) | 3.2037% | 4,485 |
| Net charge-offs to loans | 0.2107% | 3,305 |
| Credit loss provision to net charge-offs | 758.8235% | 413 |
| Earnings coverage of net charge-offs (x) | 10.2353% | 2,080 |
| Efficiency ratio | 76.0989% | 2,728 |
| Assets per employee ($millions) | 2.4796% | 6,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4636% | 1,332 |
| Loan loss allowance to noncurrent loans | 108.4881% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.1695% | 4,058 |
| Noncurrent loans to loans | 2.2708% | 2,650 |
| Net loans and leases to total assets | 50.2342% | 5,328 |
| Net loans and leases to deposits | 62.5043% | 4,938 |
| Net loans and leases to core deposits | 66.5393% | 4,939 |
| Total domestic deposits to total assets | 80.3692% | 5,645 |
| Equity capital to assets | 12.6167% | 1,742 |
| Core capital (leverage) ratio | 11.6481% | 1,811 |
| Tier 1 risk-based capital ratio | 21.1820% | 1,445 |
| Total risk-based capital ratio | 22.4471% | 1,416 |
| Memoranda: | ||
| Average total assets | $32,377,330 | 6,832 |
| Average earning assets | $28,996,670 | 6,826 |
| Average equity | $3,995,330 | 6,682 |
| Average total loans | $16,138,670 | 6,728 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2984% | 1,099 |
| Cost of funding earning assets | 0.7629% | 3,764 |
| Net interest margin | 4.5355% | 951 |
| Noninterest income to average assets | 0.4191% | 4,525 |
| Noninterest expense to average assets | 3.4763% | 1,810 |
| Loan and lease loss provision to assets | 1.3560% | 272 |
| Net operating income to assets | -0.3821% | 6,759 |
| Return on assets (ROA) | -0.3821% | 6,798 |
| Pretax return on assets | -0.3821% | 6,773 |
| Return on Equity (ROE) | -3.1317% | 6,765 |
| Retained earnings to average equity (ytd only) | -3.1317% | 6,416 |
| Net charge-offs to loans | 0.4526% | 1,961 |
| Credit loss provision to net charge-offs | 611.1111% | 555 |
| Earnings coverage of net charge-offs (x) | 4.3889% | 2,580 |
| Efficiency ratio | 78.1163% | 2,481 |
| Assets per employee ($millions) | 2.5525% | 6,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4296% | 1,461 |
| Loan loss allowance to noncurrent loans | 72.7103% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 2.0794% | 2,799 |
| Noncurrent loans to loans | 3.3415% | 1,904 |
| Net loans and leases to total assets | 47.0783% | 5,676 |
| Net loans and leases to deposits | 57.8550% | 5,391 |
| Net loans and leases to core deposits | 61.4290% | 5,388 |
| Total domestic deposits to total assets | 81.3730% | 5,506 |
| Equity capital to assets | 11.9308% | 2,090 |
| Core capital (leverage) ratio | 11.4689% | 1,914 |
| Tier 1 risk-based capital ratio | 20.9088% | 1,514 |
| Total risk-based capital ratio | 22.1729% | 1,479 |
| Memoranda: | ||
| Average total assets | $32,448,500 | 6,879 |
| Average earning assets | $28,839,000 | 6,887 |
| Average equity | $3,959,500 | 6,727 |
| Average total loans | $15,907,000 | 6,803 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5072% | 1,160 |
| Cost of funding earning assets | 0.9240% | 3,928 |
| Net interest margin | 4.5832% | 952 |
| Noninterest income to average assets | 0.1769% | 6,227 |
| Noninterest expense to average assets | 3.5843% | 1,774 |
| Loan and lease loss provision to assets | 0.8748% | 1,109 |
| Net operating income to assets | -0.0066% | 6,050 |
| Return on assets (ROA) | -0.0066% | 6,170 |
| Pretax return on assets | -0.2031% | 6,287 |
| Return on Equity (ROE) | -0.0519% | 6,168 |
| Retained earnings to average equity (ytd only) | -0.0519% | 5,853 |
| Net charge-offs to loans | 1.5912% | 997 |
| Credit loss provision to net charge-offs | 108.5366% | 3,109 |
| Earnings coverage of net charge-offs (x) | 0.8333% | 5,174 |
| Efficiency ratio | 84.2186% | 1,740 |
| Assets per employee ($millions) | 2.6428% | 6,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8794% | 2,631 |
| Loan loss allowance to noncurrent loans | 62.5263% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 2.0243% | 2,933 |
| Noncurrent loans to loans | 3.0058% | 2,161 |
| Net loans and leases to total assets | 48.8932% | 5,726 |
| Net loans and leases to deposits | 60.6865% | 5,411 |
| Net loans and leases to core deposits | 64.6622% | 5,402 |
| Total domestic deposits to total assets | 80.5669% | 5,571 |
| Equity capital to assets | 12.4866% | 1,805 |
| Core capital (leverage) ratio | 11.7866% | 1,716 |
| Tier 1 risk-based capital ratio | 21.6309% | 1,294 |
| Total risk-based capital ratio | 22.8869% | 1,261 |
| Memoranda: | ||
| Average total assets | $30,522,400 | 6,957 |
| Average earning assets | $27,164,200 | 6,955 |
| Average equity | $3,855,600 | 6,789 |
| Average total loans | $15,460,000 | 6,885 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5490% | 1,144 |
| Cost of funding earning assets | 0.9545% | 4,005 |
| Net interest margin | 4.5945% | 958 |
| Noninterest income to average assets | 0.0838% | 6,823 |
| Noninterest expense to average assets | 3.6526% | 1,593 |
| Loan and lease loss provision to assets | 0.8249% | 1,127 |
| Net operating income to assets | -0.2956% | 6,485 |
| Return on assets (ROA) | -0.2956% | 6,547 |
| Pretax return on assets | -0.2956% | 6,487 |
| Return on Equity (ROE) | -2.3327% | 6,509 |
| Retained earnings to average equity (ytd only) | -2.3327% | 6,338 |
| Net charge-offs to loans | 1.4569% | 1,008 |
| Credit loss provision to net charge-offs | 111.3095% | 2,949 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 5,085 |
| Efficiency ratio | 87.3418% | 1,407 |
| Assets per employee ($millions) | 2.3796% | 7,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 2,773 |
| Loan loss allowance to noncurrent loans | 48.8411% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 1.9525% | 3,204 |
| Noncurrent loans to loans | 3.7949% | 1,780 |
| Net loans and leases to total assets | 50.4962% | 5,635 |
| Net loans and leases to deposits | 63.1305% | 5,276 |
| Net loans and leases to core deposits | 67.4103% | 5,254 |
| Total domestic deposits to total assets | 79.9871% | 5,740 |
| Equity capital to assets | 12.7170% | 1,776 |
| Core capital (leverage) ratio | 11.9111% | 1,759 |
| Tier 1 risk-based capital ratio | 21.6162% | 1,351 |
| Total risk-based capital ratio | 22.8699% | 1,319 |
| Memoranda: | ||
| Average total assets | $30,224,500 | 7,035 |
| Average earning assets | $26,959,250 | 7,029 |
| Average equity | $3,829,500 | 6,852 |
| Average total loans | $15,374,250 | 6,954 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5229% | 1,246 |
| Cost of funding earning assets | 0.9905% | 4,010 |
| Net interest margin | 4.5324% | 1,050 |
| Noninterest income to average assets | -0.1200% | 7,301 |
| Noninterest expense to average assets | 3.6882% | 1,552 |
| Loan and lease loss provision to assets | 1.1205% | 721 |
| Net operating income to assets | -0.9004% | 6,909 |
| Return on assets (ROA) | -0.9004% | 6,914 |
| Pretax return on assets | -0.9004% | 6,862 |
| Return on Equity (ROE) | -7.1152% | 6,832 |
| Retained earnings to average equity (ytd only) | -7.1152% | 6,725 |
| Net charge-offs to loans | 1.9877% | 680 |
| Credit loss provision to net charge-offs | 111.2583% | 2,754 |
| Earnings coverage of net charge-offs (x) | 0.2185% | 5,145 |
| Efficiency ratio | 94.3686% | 955 |
| Assets per employee ($millions) | 2.3224% | 7,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8853% | 2,709 |
| Loan loss allowance to noncurrent loans | 33.8337% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 2.8684% | 2,342 |
| Noncurrent loans to loans | 5.5724% | 1,125 |
| Net loans and leases to total assets | 50.5051% | 5,750 |
| Net loans and leases to deposits | 62.9510% | 5,397 |
| Net loans and leases to core deposits | 67.3052% | 5,358 |
| Total domestic deposits to total assets | 80.2292% | 5,758 |
| Equity capital to assets | 12.5567% | 1,749 |
| Core capital (leverage) ratio | 11.8267% | 1,704 |
| Tier 1 risk-based capital ratio | 21.5281% | 1,322 |
| Total risk-based capital ratio | 22.7824% | 1,302 |
| Memoranda: | ||
| Average total assets | $29,987,670 | 7,108 |
| Average earning assets | $26,652,670 | 7,106 |
| Average equity | $3,794,670 | 6,902 |
| Average total loans | $15,193,670 | 7,027 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4422% | 1,447 |
| Cost of funding earning assets | 1.0824% | 3,645 |
| Net interest margin | 4.3598% | 1,395 |
| Noninterest income to average assets | -0.7495% | 7,523 |
| Noninterest expense to average assets | 3.5870% | 1,796 |
| Loan and lease loss provision to assets | 0.2677% | 2,997 |
| Net operating income to assets | -0.7227% | 6,925 |
| Return on assets (ROA) | -0.7227% | 6,932 |
| Pretax return on assets | -0.7227% | 6,883 |
| Return on Equity (ROE) | -5.6895% | 6,845 |
| Retained earnings to average equity (ytd only) | -6.2163% | 6,610 |
| Net charge-offs to loans | 0.6658% | 1,877 |
| Credit loss provision to net charge-offs | 80.0000% | 3,159 |
| Earnings coverage of net charge-offs (x) | -1.3600% | 4,929 |
| Efficiency ratio | 114.5299% | 419 |
| Assets per employee ($millions) | 2.4742% | 7,019 |
| Cash dividends to net income (ytd only)* | -9.2593% | 7,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7746% | 3,090 |
| Loan loss allowance to noncurrent loans | 42.2535% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 2.1522% | 3,123 |
| Noncurrent loans to loans | 4.1998% | 1,703 |
| Net loans and leases to total assets | 50.3368% | 5,804 |
| Net loans and leases to deposits | 62.7941% | 5,408 |
| Net loans and leases to core deposits | 65.7414% | 5,543 |
| Total domestic deposits to total assets | 80.1617% | 5,903 |
| Equity capital to assets | 12.7248% | 1,510 |
| Core capital (leverage) ratio | 12.1046% | 1,504 |
| Tier 1 risk-based capital ratio | 22.0830% | 1,213 |
| Total risk-based capital ratio | 23.3364% | 1,191 |
| Memoranda: | ||
| Average total assets | $29,886,000 | 7,151 |
| Average earning assets | $26,607,000 | 7,155 |
| Average equity | $3,796,500 | 6,934 |
| Average total loans | $15,020,000 | 7,089 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8240% | 1,215 |
| Cost of funding earning assets | 1.3574% | 3,521 |
| Net interest margin | 4.4665% | 1,305 |
| Noninterest income to average assets | 0.5232% | 4,003 |
| Noninterest expense to average assets | 3.3726% | 2,519 |
| Loan and lease loss provision to assets | 1.4397% | 1,035 |
| Net operating income to assets | -0.0866% | 5,973 |
| Return on assets (ROA) | -0.0866% | 6,037 |
| Pretax return on assets | -0.2866% | 6,152 |
| Return on Equity (ROE) | -0.6870% | 6,036 |
| Retained earnings to average equity (ytd only) | -0.9513% | 5,797 |
| Net charge-offs to loans | 3.4855% | 410 |
| Credit loss provision to net charge-offs | 82.6004% | 5,464 |
| Earnings coverage of net charge-offs (x) | 0.6616% | 5,447 |
| Efficiency ratio | 74.5214% | 3,290 |
| Assets per employee ($millions) | 2.3140% | 7,208 |
| Cash dividends to net income (ytd only)* | -38.4615% | 7,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8617% | 2,659 |
| Loan loss allowance to noncurrent loans | 44.5880% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 3.0118% | 2,333 |
| Noncurrent loans to loans | 4.1754% | 1,735 |
| Net loans and leases to total assets | 48.3645% | 6,355 |
| Net loans and leases to deposits | 60.1920% | 6,038 |
| Net loans and leases to core deposits | 65.8564% | 5,892 |
| Total domestic deposits to total assets | 80.3504% | 5,737 |
| Equity capital to assets | 12.6820% | 1,537 |
| Core capital (leverage) ratio | 12.4836% | 1,322 |
| Tier 1 risk-based capital ratio | 22.2670% | 1,138 |
| Total risk-based capital ratio | 23.5230% | 1,115 |
| Memoranda: | ||
| Average total assets | $30,006,800 | 7,208 |
| Average earning assets | $26,888,800 | 7,200 |
| Average equity | $3,784,400 | 7,062 |
| Average total loans | $15,005,200 | 7,169 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7713% | 1,479 |
| Cost of funding earning assets | 1.4069% | 3,545 |
| Net interest margin | 4.3644% | 1,630 |
| Noninterest income to average assets | 0.4802% | 4,330 |
| Noninterest expense to average assets | 3.4546% | 2,150 |
| Loan and lease loss provision to assets | 1.8362% | 678 |
| Net operating income to assets | -0.8937% | 6,839 |
| Return on assets (ROA) | -0.8937% | 6,884 |
| Pretax return on assets | -0.8937% | 6,803 |
| Return on Equity (ROE) | -7.0958% | 6,791 |
| Retained earnings to average equity (ytd only) | -7.4490% | 6,737 |
| Net charge-offs to loans | 4.6333% | 204 |
| Credit loss provision to net charge-offs | 78.9675% | 5,169 |
| Earnings coverage of net charge-offs (x) | 0.4054% | 5,618 |
| Efficiency ratio | 78.5642% | 2,548 |
| Assets per employee ($millions) | 2.2488% | 7,346 |
| Cash dividends to net income (ytd only)* | -4.9741% | 7,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 3,223 |
| Loan loss allowance to noncurrent loans | 42.7861% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 2.2542% | 3,134 |
| Noncurrent loans to loans | 3.9245% | 1,928 |
| Net loans and leases to total assets | 51.6761% | 6,140 |
| Net loans and leases to deposits | 64.8258% | 5,806 |
| Net loans and leases to core deposits | 64.8258% | 6,226 |
| Total domestic deposits to total assets | 79.7154% | 5,800 |
| Equity capital to assets | 12.9541% | 1,602 |
| Core capital (leverage) ratio | 11.7626% | 1,784 |
| Tier 1 risk-based capital ratio | 21.7399% | 1,250 |
| Total risk-based capital ratio | 22.9959% | 1,225 |
| Memoranda: | ||
| Average total assets | $29,988,000 | 7,296 |
| Average earning assets | $26,914,000 | 7,278 |
| Average equity | $3,776,750 | 7,156 |
| Average total loans | $15,050,250 | 7,256 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7250% | 1,672 |
| Cost of funding earning assets | 1.4275% | 3,696 |
| Net interest margin | 4.2975% | 1,788 |
| Noninterest income to average assets | 0.5093% | 4,036 |
| Noninterest expense to average assets | 3.4657% | 2,111 |
| Loan and lease loss provision to assets | 2.5927% | 429 |
| Net operating income to assets | -1.7262% | 7,233 |
| Return on assets (ROA) | -1.7262% | 7,244 |
| Pretax return on assets | -1.7262% | 7,158 |
| Return on Equity (ROE) | -13.8339% | 7,104 |
| Retained earnings to average equity (ytd only) | -14.3640% | 7,081 |
| Net charge-offs to loans | 6.7312% | 98 |
| Credit loss provision to net charge-offs | 77.9324% | 4,768 |
| Earnings coverage of net charge-offs (x) | 0.2604% | 5,465 |
| Efficiency ratio | 80.0000% | 2,450 |
| Assets per employee ($millions) | 2.5043% | 7,094 |
| Cash dividends to net income (ytd only)* | -3.8314% | 7,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 3,128 |
| Loan loss allowance to noncurrent loans | 41.0256% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 2.1397% | 3,326 |
| Noncurrent loans to loans | 4.1128% | 1,823 |
| Net loans and leases to total assets | 49.6356% | 6,473 |
| Net loans and leases to deposits | 60.7799% | 6,335 |
| Net loans and leases to core deposits | 60.7799% | 6,651 |
| Total domestic deposits to total assets | 81.6645% | 5,123 |
| Equity capital to assets | 12.1560% | 2,008 |
| Core capital (leverage) ratio | 11.1831% | 2,113 |
| Tier 1 risk-based capital ratio | 21.8302% | 1,233 |
| Total risk-based capital ratio | 23.0818% | 1,204 |
| Memoranda: | ||
| Average total assets | $30,239,330 | 7,338 |
| Average earning assets | $26,899,670 | 7,338 |
| Average equity | $3,773,330 | 7,188 |
| Average total loans | $14,945,330 | 7,313 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7716% | 1,552 |
| Cost of funding earning assets | 1.4095% | 4,119 |
| Net interest margin | 4.3621% | 1,500 |
| Noninterest income to average assets | 0.4747% | 4,251 |
| Noninterest expense to average assets | 3.2176% | 2,789 |
| Loan and lease loss provision to assets | 2.3077% | 466 |
| Net operating income to assets | -1.1736% | 7,205 |
| Return on assets (ROA) | -1.1736% | 7,222 |
| Pretax return on assets | -1.1736% | 7,133 |
| Return on Equity (ROE) | -9.2866% | 7,111 |
| Retained earnings to average equity (ytd only) | -10.3300% | 6,985 |
| Net charge-offs to loans | 11.0302% | 40 |
| Credit loss provision to net charge-offs | 42.7873% | 4,595 |
| Earnings coverage of net charge-offs (x) | 0.2103% | 4,853 |
| Efficiency ratio | 73.9394% | 3,586 |
| Assets per employee ($millions) | 2.5923% | 7,054 |
| Cash dividends to net income (ytd only)* | -11.2360% | 7,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 6,808 |
| Loan loss allowance to noncurrent loans | 19.6746% | 7,030 |
| Noncurrent assets plus other real estate owned to assets | 2.3660% | 3,065 |
| Noncurrent loans to loans | 4.6394% | 1,597 |
| Net loans and leases to total assets | 46.4140% | 6,802 |
| Net loans and leases to deposits | 57.2369% | 6,676 |
| Net loans and leases to core deposits | 57.2369% | 6,921 |
| Total domestic deposits to total assets | 81.0911% | 5,427 |
| Equity capital to assets | 12.2095% | 1,927 |
| Core capital (leverage) ratio | 12.1502% | 1,571 |
| Tier 1 risk-based capital ratio | 23.1023% | 1,055 |
| Total risk-based capital ratio | 23.9457% | 1,093 |
| Memoranda: | ||
| Average total assets | $30,333,500 | 7,430 |
| Average earning assets | $26,959,500 | 7,428 |
| Average equity | $3,833,500 | 7,240 |
| Average total loans | $14,832,000 | 7,410 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3532% | 929 |
| Cost of funding earning assets | 1.5995% | 5,030 |
| Net interest margin | 4.7537% | 758 |
| Noninterest income to average assets | 0.7087% | 2,908 |
| Noninterest expense to average assets | 3.8169% | 1,668 |
| Loan and lease loss provision to assets | 0.7897% | 2,763 |
| Net operating income to assets | 0.2703% | 4,644 |
| Return on assets (ROA) | 0.2869% | 4,669 |
| Pretax return on assets | 0.4083% | 4,477 |
| Return on Equity (ROE) | 2.2291% | 4,818 |
| Retained earnings to average equity (ytd only) | 0.5245% | 4,615 |
| Net charge-offs to loans | 1.8189% | 1,372 |
| Credit loss provision to net charge-offs | 85.4015% | 6,153 |
| Earnings coverage of net charge-offs (x) | 1.2701% | 4,857 |
| Efficiency ratio | 76.4706% | 3,444 |
| Assets per employee ($millions) | 2.2738% | 7,503 |
| Cash dividends to net income (ytd only)* | 76.4706% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4382% | 1,305 |
| Loan loss allowance to noncurrent loans | 25.1023% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 5.0169% | 1,224 |
| Noncurrent loans to loans | 9.7131% | 440 |
| Net loans and leases to total assets | 49.8139% | 6,663 |
| Net loans and leases to deposits | 61.0793% | 6,555 |
| Net loans and leases to core deposits | 79.2732% | 6,164 |
| Total domestic deposits to total assets | 81.5562% | 5,131 |
| Equity capital to assets | 13.0886% | 1,476 |
| Core capital (leverage) ratio | 12.7080% | 1,348 |
| Tier 1 risk-based capital ratio | 23.2393% | 1,017 |
| Total risk-based capital ratio | 24.5001% | 997 |
| Memoranda: | ||
| Average total assets | $29,631,600 | 7,483 |
| Average earning assets | $26,695,200 | 7,473 |
| Average equity | $3,813,200 | 7,350 |
| Average total loans | $15,063,800 | 7,450 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3111% | 1,110 |
| Cost of funding earning assets | 1.6237% | 5,290 |
| Net interest margin | 4.6875% | 849 |
| Noninterest income to average assets | 0.3508% | 5,686 |
| Noninterest expense to average assets | 3.7369% | 1,732 |
| Loan and lease loss provision to assets | 1.0253% | 1,873 |
| Net operating income to assets | -0.1664% | 6,004 |
| Return on assets (ROA) | -0.1349% | 5,978 |
| Pretax return on assets | -0.1349% | 5,890 |
| Return on Equity (ROE) | -1.0528% | 5,938 |
| Retained earnings to average equity (ytd only) | -2.9830% | 5,933 |
| Net charge-offs to loans | 0.7615% | 2,455 |
| Credit loss provision to net charge-offs | 265.1163% | 1,600 |
| Earnings coverage of net charge-offs (x) | 2.2210% | 4,153 |
| Efficiency ratio | 81.3112% | 2,679 |
| Assets per employee ($millions) | 2.0754% | 7,736 |
| Cash dividends to net income (ytd only)* | -183.3250% | 8,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6779% | 364 |
| Loan loss allowance to noncurrent loans | 55.2209% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 3.5450% | 1,868 |
| Noncurrent loans to loans | 6.6604% | 851 |
| Net loans and leases to total assets | 49.5749% | 6,810 |
| Net loans and leases to deposits | 60.8354% | 6,763 |
| Net loans and leases to core deposits | 77.2540% | 6,543 |
| Total domestic deposits to total assets | 81.4903% | 4,881 |
| Equity capital to assets | 13.0236% | 1,685 |
| Core capital (leverage) ratio | 12.3251% | 1,651 |
| Tier 1 risk-based capital ratio | 23.4181% | 1,059 |
| Total risk-based capital ratio | 24.6991% | 1,032 |
| Memoranda: | ||
| Average total assets | $29,649,500 | 7,551 |
| Average earning assets | $26,851,250 | 7,536 |
| Average equity | $3,799,250 | 7,417 |
| Average total loans | $15,056,500 | 7,517 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4823% | 855 |
| Cost of funding earning assets | 1.6448% | 5,535 |
| Net interest margin | 4.8375% | 613 |
| Noninterest income to average assets | 0.1541% | 7,165 |
| Noninterest expense to average assets | 3.6452% | 1,960 |
| Loan and lease loss provision to assets | 0.0402% | 6,833 |
| Net operating income to assets | 0.6656% | 3,409 |
| Return on assets (ROA) | 0.7036% | 3,341 |
| Pretax return on assets | 0.8711% | 3,440 |
| Return on Equity (ROE) | 5.5200% | 3,854 |
| Retained earnings to average equity (ytd only) | 3.6800% | 3,248 |
| Net charge-offs to loans | 0.4108% | 3,148 |
| Credit loss provision to net charge-offs | 19.3548% | 6,137 |
| Earnings coverage of net charge-offs (x) | 4.1613% | 3,194 |
| Efficiency ratio | 80.8321% | 2,914 |
| Assets per employee ($millions) | 2.0984% | 7,772 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5542% | 855 |
| Loan loss allowance to noncurrent loans | 245.5128% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 5,272 |
| Noncurrent loans to loans | 1.0403% | 5,135 |
| Net loans and leases to total assets | 49.7379% | 6,899 |
| Net loans and leases to deposits | 61.1355% | 6,807 |
| Net loans and leases to core deposits | 75.7255% | 6,698 |
| Total domestic deposits to total assets | 81.3568% | 4,944 |
| Equity capital to assets | 13.0234% | 1,680 |
| Core capital (leverage) ratio | 12.4798% | 1,631 |
| Tier 1 risk-based capital ratio | 23.7240% | 1,069 |
| Total risk-based capital ratio | 24.9875% | 1,043 |
| Memoranda: | ||
| Average total assets | $29,847,670 | 7,609 |
| Average earning assets | $26,873,330 | 7,604 |
| Average equity | $3,804,330 | 7,475 |
| Average total loans | $15,090,670 | 7,588 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2882% | 1,332 |
| Cost of funding earning assets | 1.6501% | 5,814 |
| Net interest margin | 4.6381% | 880 |
| Noninterest income to average assets | 0.5053% | 4,280 |
| Noninterest expense to average assets | 3.6433% | 1,766 |
| Loan and lease loss provision to assets | 0.0399% | 6,467 |
| Net operating income to assets | 0.6515% | 3,793 |
| Return on assets (ROA) | 0.6515% | 3,977 |
| Pretax return on assets | 0.9707% | 3,463 |
| Return on Equity (ROE) | 5.1667% | 4,399 |
| Retained earnings to average equity (ytd only) | 3.0579% | 4,177 |
| Net charge-offs to loans | 0.8455% | 1,543 |
| Credit loss provision to net charge-offs | 9.3750% | 5,207 |
| Earnings coverage of net charge-offs (x) | 2.3750% | 3,542 |
| Efficiency ratio | 78.2857% | 3,118 |
| Assets per employee ($millions) | 2.3415% | 7,541 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5435% | 729 |
| Loan loss allowance to noncurrent loans | 71.1069% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.8101% | 3,203 |
| Noncurrent loans to loans | 3.5769% | 1,765 |
| Net loans and leases to total assets | 47.7070% | 7,048 |
| Net loans and leases to deposits | 58.2441% | 7,018 |
| Net loans and leases to core deposits | 70.7562% | 6,977 |
| Total domestic deposits to total assets | 81.9087% | 4,586 |
| Equity capital to assets | 12.6314% | 1,916 |
| Core capital (leverage) ratio | 12.5150% | 1,682 |
| Tier 1 risk-based capital ratio | 23.1891% | 1,170 |
| Total risk-based capital ratio | 24.4561% | 1,146 |
| Memoranda: | ||
| Average total assets | $30,082,500 | 7,644 |
| Average earning assets | $26,907,500 | 7,643 |
| Average equity | $3,793,500 | 7,520 |
| Average total loans | $15,138,500 | 7,626 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6161% | 2,406 |
| Cost of funding earning assets | 2.1371% | 5,891 |
| Net interest margin | 4.4790% | 1,475 |
| Noninterest income to average assets | 0.5157% | 4,506 |
| Noninterest expense to average assets | 3.3834% | 2,720 |
| Loan and lease loss provision to assets | 0.0432% | 6,875 |
| Net operating income to assets | 0.8429% | 3,254 |
| Return on assets (ROA) | 0.6687% | 3,876 |
| Pretax return on assets | 0.9814% | 3,444 |
| Return on Equity (ROE) | 5.4590% | 4,175 |
| Retained earnings to average equity (ytd only) | 3.5578% | 2,929 |
| Net charge-offs to loans | 0.1363% | 4,860 |
| Credit loss provision to net charge-offs | 65.0000% | 6,162 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 1,643 |
| Efficiency ratio | 72.5392% | 3,841 |
| Assets per employee ($millions) | 2.2865% | 7,581 |
| Cash dividends to net income (ytd only)* | 34.8259% | 3,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6535% | 582 |
| Loan loss allowance to noncurrent loans | 76.6917% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 2.0050% | 2,456 |
| Noncurrent loans to loans | 3.4599% | 1,472 |
| Net loans and leases to total assets | 50.3549% | 6,994 |
| Net loans and leases to deposits | 61.5916% | 6,980 |
| Net loans and leases to core deposits | 73.4662% | 6,996 |
| Total domestic deposits to total assets | 81.7561% | 4,294 |
| Equity capital to assets | 12.5887% | 1,970 |
| Core capital (leverage) ratio | 12.5396% | 1,734 |
| Tier 1 risk-based capital ratio | 22.9244% | 1,206 |
| Total risk-based capital ratio | 24.1932% | 1,174 |
| Memoranda: | ||
| Average total assets | $30,058,200 | 7,646 |
| Average earning assets | $27,841,200 | 7,625 |
| Average equity | $3,682,000 | 7,617 |
| Average total loans | $14,673,000 | 7,667 |