Home > Farmers & Merchants Bank, of Orfordville > Performance and Condition Ratios
Farmers & Merchants Bank, of Orfordville, 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 | 1.0471% | 5,164 |
| Cost of funding earning assets | 0.2189% | 4,917 |
| Net interest margin | 0.8283% | 5,164 |
| Noninterest income to average assets | 0.1495% | 4,744 |
| Noninterest expense to average assets | 0.3968% | 5,167 |
| Loan and lease loss provision to assets | 0.1068% | 1,949 |
| Net operating income to assets | 0.3220% | 4,724 |
| Return on assets (ROA) | 0.3220% | 4,750 |
| Pretax return on assets | 0.4270% | 4,668 |
| Return on Equity (ROE) | 2.2924% | 4,771 |
| Retained earnings to average equity (ytd only) | 2.2924% | 3,873 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6386% | 5,013 |
| Assets per employee ($millions) | 8.6673% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 0.5175% | 2,350 |
| Noncurrent loans to loans | 0.9712% | 1,573 |
| Net loans and leases to total assets | 53.2891% | 4,129 |
| Net loans and leases to deposits | 65.7428% | 3,969 |
| Net loans and leases to core deposits | 68.3328% | 4,060 |
| Total domestic deposits to total assets | 81.0568% | 3,756 |
| Equity capital to assets | 16.6488% | 509 |
| Core capital (leverage) ratio | 13.8477% | 967 |
| Tier 1 risk-based capital ratio | 23.7969% | 848 |
| Total risk-based capital ratio | 23.7969% | 945 |
| Memoranda: | ||
| Average total assets | $56,202,600 | 4,647 |
| Average earning assets | $53,001,400 | 4,626 |
| Average equity | $7,895,800 | 4,521 |
| Average total loans | $33,030,200 | 4,580 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 3,399 |
| Cost of funding earning assets | 0.8110% | 2,653 |
| Net interest margin | 3.5769% | 3,311 |
| Noninterest income to average assets | 0.2808% | 4,065 |
| Noninterest expense to average assets | 3.3837% | 1,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2073% | 4,946 |
| Return on assets (ROA) | 0.2130% | 4,957 |
| Pretax return on assets | 0.3098% | 4,896 |
| Return on Equity (ROE) | 1.5975% | 4,954 |
| Retained earnings to average equity (ytd only) | -2.0332% | 4,929 |
| Net charge-offs to loans | -0.0161% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7925% | 278 |
| Assets per employee ($millions) | 6.0449% | 1,579 |
| Cash dividends to net income (ytd only)* | 227.2735% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 1,592 |
| Loan loss allowance to noncurrent loans | 109.1743% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.8014% | 1,719 |
| Noncurrent loans to loans | 1.2792% | 1,217 |
| Net loans and leases to total assets | 61.7767% | 3,515 |
| Net loans and leases to deposits | 73.1585% | 3,545 |
| Net loans and leases to core deposits | 75.5462% | 3,727 |
| Total domestic deposits to total assets | 84.4423% | 2,651 |
| Equity capital to assets | 13.3078% | 1,461 |
| Core capital (leverage) ratio | 13.1488% | 1,280 |
| Tier 1 risk-based capital ratio | 23.5505% | 895 |
| Total risk-based capital ratio | 24.8023% | 871 |
| Memoranda: | ||
| Average total assets | $55,085,500 | 4,732 |
| Average earning assets | $52,446,500 | 4,699 |
| Average equity | $7,344,500 | 4,649 |
| Average total loans | $33,205,000 | 4,634 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 3,631 |
| Cost of funding earning assets | 0.7865% | 2,709 |
| Net interest margin | 3.5147% | 3,552 |
| Noninterest income to average assets | 0.2640% | 4,174 |
| Noninterest expense to average assets | 2.5564% | 3,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8497% | 3,472 |
| Return on assets (ROA) | 0.8497% | 3,528 |
| Pretax return on assets | 1.0522% | 3,377 |
| Return on Equity (ROE) | 6.3691% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.3691% | 2,114 |
| Net charge-offs to loans | -0.1215% | 5,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8417% | 2,088 |
| Assets per employee ($millions) | 6.0520% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 1,387 |
| Loan loss allowance to noncurrent loans | 94.6154% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.9547% | 1,461 |
| Noncurrent loans to loans | 1.5435% | 994 |
| Net loans and leases to total assets | 60.9477% | 3,656 |
| Net loans and leases to deposits | 72.1548% | 3,676 |
| Net loans and leases to core deposits | 74.5029% | 3,862 |
| Total domestic deposits to total assets | 84.4679% | 2,698 |
| Equity capital to assets | 13.8944% | 1,162 |
| Core capital (leverage) ratio | 13.6430% | 1,067 |
| Tier 1 risk-based capital ratio | 24.7867% | 769 |
| Total risk-based capital ratio | 26.0399% | 754 |
| Memoranda: | ||
| Average total assets | $55,312,670 | 4,766 |
| Average earning assets | $52,636,670 | 4,732 |
| Average equity | $7,379,330 | 4,669 |
| Average total loans | $32,911,670 | 4,679 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1534% | 3,993 |
| Cost of funding earning assets | 0.7538% | 2,775 |
| Net interest margin | 3.3996% | 3,882 |
| Noninterest income to average assets | 0.2440% | 4,259 |
| Noninterest expense to average assets | 2.2894% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9473% | 3,058 |
| Return on assets (ROA) | 0.9473% | 3,100 |
| Pretax return on assets | 1.1914% | 2,838 |
| Return on Equity (ROE) | 7.2478% | 3,571 |
| Retained earnings to average equity (ytd only) | 7.2478% | 1,950 |
| Net charge-offs to loans | -0.0492% | 4,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7732% | 2,969 |
| Assets per employee ($millions) | 6.3152% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 1,481 |
| Loan loss allowance to noncurrent loans | 89.3058% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 1,499 |
| Noncurrent loans to loans | 1.6342% | 966 |
| Net loans and leases to total assets | 56.5477% | 4,022 |
| Net loans and leases to deposits | 67.0226% | 3,986 |
| Net loans and leases to core deposits | 69.3929% | 4,114 |
| Total domestic deposits to total assets | 84.3711% | 2,913 |
| Equity capital to assets | 13.0109% | 1,447 |
| Core capital (leverage) ratio | 13.2637% | 1,159 |
| Tier 1 risk-based capital ratio | 24.5909% | 792 |
| Total risk-based capital ratio | 25.8448% | 779 |
| Memoranda: | ||
| Average total assets | $55,735,000 | 4,811 |
| Average earning assets | $53,064,500 | 4,779 |
| Average equity | $7,285,000 | 4,715 |
| Average total loans | $32,523,000 | 4,739 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1860% | 3,474 |
| Cost of funding earning assets | 0.6465% | 2,419 |
| Net interest margin | 3.5396% | 3,575 |
| Noninterest income to average assets | 0.3200% | 3,968 |
| Noninterest expense to average assets | 2.5007% | 3,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9180% | 3,373 |
| Return on assets (ROA) | 0.9180% | 3,363 |
| Pretax return on assets | 1.1770% | 2,978 |
| Return on Equity (ROE) | 6.9017% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.1285% | 2,129 |
| Net charge-offs to loans | 0.0371% | 2,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 1,117 |
| Efficiency ratio | 67.9959% | 2,551 |
| Assets per employee ($millions) | 6.0703% | 1,475 |
| Cash dividends to net income (ytd only)* | 11.2033% | 3,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 1,430 |
| Loan loss allowance to noncurrent loans | 86.2888% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.0012% | 1,372 |
| Noncurrent loans to loans | 1.6867% | 860 |
| Net loans and leases to total assets | 58.4958% | 3,912 |
| Net loans and leases to deposits | 68.5235% | 3,940 |
| Net loans and leases to core deposits | 72.2558% | 3,972 |
| Total domestic deposits to total assets | 85.3660% | 2,480 |
| Equity capital to assets | 13.1331% | 1,287 |
| Core capital (leverage) ratio | 13.4082% | 1,104 |
| Tier 1 risk-based capital ratio | 24.6789% | 768 |
| Total risk-based capital ratio | 25.9328% | 752 |
| Memoranda: | ||
| Average total assets | $52,505,200 | 4,893 |
| Average earning assets | $49,808,400 | 4,860 |
| Average equity | $6,983,800 | 4,752 |
| Average total loans | $32,367,800 | 4,755 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 3,402 |
| Cost of funding earning assets | 0.6063% | 2,427 |
| Net interest margin | 3.5674% | 3,466 |
| Noninterest income to average assets | 0.3258% | 3,963 |
| Noninterest expense to average assets | 2.3627% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0698% | 2,783 |
| Return on assets (ROA) | 1.0698% | 2,795 |
| Pretax return on assets | 1.3442% | 2,452 |
| Return on Equity (ROE) | 8.0160% | 3,543 |
| Retained earnings to average equity (ytd only) | 8.0160% | 1,643 |
| Net charge-offs to loans | -0.1113% | 5,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7370% | 3,231 |
| Assets per employee ($millions) | 5.7849% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 1,226 |
| Loan loss allowance to noncurrent loans | 134.1207% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.7318% | 2,030 |
| Noncurrent loans to loans | 1.1482% | 1,478 |
| Net loans and leases to total assets | 62.7497% | 3,572 |
| Net loans and leases to deposits | 74.2433% | 3,571 |
| Net loans and leases to core deposits | 79.7121% | 3,516 |
| Total domestic deposits to total assets | 84.5191% | 2,785 |
| Equity capital to assets | 13.6447% | 1,075 |
| Core capital (leverage) ratio | 13.9221% | 960 |
| Tier 1 risk-based capital ratio | 23.9672% | 849 |
| Total risk-based capital ratio | 25.2198% | 832 |
| Memoranda: | ||
| Average total assets | $51,973,250 | 4,950 |
| Average earning assets | $49,259,500 | 4,922 |
| Average equity | $6,936,000 | 4,807 |
| Average total loans | $32,352,250 | 4,809 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 3,470 |
| Cost of funding earning assets | 0.5403% | 2,684 |
| Net interest margin | 3.5545% | 3,452 |
| Noninterest income to average assets | 0.2734% | 4,361 |
| Noninterest expense to average assets | 2.3718% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9972% | 3,033 |
| Return on assets (ROA) | 0.9972% | 3,034 |
| Pretax return on assets | 1.2706% | 2,630 |
| Return on Equity (ROE) | 7.5291% | 3,707 |
| Retained earnings to average equity (ytd only) | 7.5291% | 1,833 |
| Net charge-offs to loans | -0.0561% | 4,959 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1163% | 3,140 |
| Assets per employee ($millions) | 5.7396% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 1,410 |
| Loan loss allowance to noncurrent loans | 141.2607% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 2,212 |
| Noncurrent loans to loans | 1.0596% | 1,662 |
| Net loans and leases to total assets | 62.8078% | 3,522 |
| Net loans and leases to deposits | 74.7076% | 3,465 |
| Net loans and leases to core deposits | 79.0584% | 3,492 |
| Total domestic deposits to total assets | 84.0716% | 3,038 |
| Equity capital to assets | 13.5280% | 1,093 |
| Core capital (leverage) ratio | 13.7532% | 977 |
| Tier 1 risk-based capital ratio | 23.2540% | 911 |
| Total risk-based capital ratio | 24.5065% | 892 |
| Memoranda: | ||
| Average total assets | $51,943,000 | 5,014 |
| Average earning assets | $49,233,670 | 4,979 |
| Average equity | $6,880,000 | 4,865 |
| Average total loans | $32,076,000 | 4,870 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 3,673 |
| Cost of funding earning assets | 0.4696% | 3,048 |
| Net interest margin | 3.5136% | 3,486 |
| Noninterest income to average assets | 0.2918% | 4,213 |
| Noninterest expense to average assets | 2.2885% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0675% | 2,575 |
| Return on assets (ROA) | 1.0675% | 2,587 |
| Pretax return on assets | 1.3362% | 2,229 |
| Return on Equity (ROE) | 8.1453% | 3,318 |
| Retained earnings to average equity (ytd only) | 8.1453% | 1,786 |
| Net charge-offs to loans | -0.1517% | 5,320 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1356% | 3,611 |
| Assets per employee ($millions) | 5.7923% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 1,216 |
| Loan loss allowance to noncurrent loans | 131.9149% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.7213% | 2,155 |
| Noncurrent loans to loans | 1.1948% | 1,527 |
| Net loans and leases to total assets | 59.4138% | 3,804 |
| Net loans and leases to deposits | 70.2447% | 3,771 |
| Net loans and leases to core deposits | 72.8622% | 3,895 |
| Total domestic deposits to total assets | 84.5812% | 3,083 |
| Equity capital to assets | 13.1745% | 1,166 |
| Core capital (leverage) ratio | 13.3604% | 1,052 |
| Tier 1 risk-based capital ratio | 23.8240% | 851 |
| Total risk-based capital ratio | 25.0777% | 835 |
| Memoranda: | ||
| Average total assets | $52,086,500 | 5,073 |
| Average earning assets | $49,408,000 | 5,038 |
| Average equity | $6,826,000 | 4,924 |
| Average total loans | $31,645,500 | 4,932 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9286% | 3,638 |
| Cost of funding earning assets | 0.4442% | 2,831 |
| Net interest margin | 3.4844% | 3,575 |
| Noninterest income to average assets | 0.2736% | 4,489 |
| Noninterest expense to average assets | 2.5030% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6034% | 3,993 |
| Return on assets (ROA) | 0.6034% | 4,030 |
| Pretax return on assets | 1.0730% | 3,285 |
| Return on Equity (ROE) | 4.6115% | 4,314 |
| Retained earnings to average equity (ytd only) | 3.8108% | 2,937 |
| Net charge-offs to loans | 0.2014% | 1,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 8.7778% | 2,866 |
| Efficiency ratio | 69.9946% | 2,547 |
| Assets per employee ($millions) | 5.7824% | 1,672 |
| Cash dividends to net income (ytd only)* | 17.3633% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,338 |
| Loan loss allowance to noncurrent loans | 124.4216% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 2,097 |
| Noncurrent loans to loans | 1.2224% | 1,446 |
| Net loans and leases to total assets | 60.2167% | 3,809 |
| Net loans and leases to deposits | 70.4510% | 3,837 |
| Net loans and leases to core deposits | 73.5893% | 3,907 |
| Total domestic deposits to total assets | 85.4733% | 2,665 |
| Equity capital to assets | 13.0356% | 1,248 |
| Core capital (leverage) ratio | 13.2506% | 1,056 |
| Tier 1 risk-based capital ratio | 23.6438% | 848 |
| Total risk-based capital ratio | 24.8962% | 834 |
| Memoranda: | ||
| Average total assets | $51,538,400 | 5,127 |
| Average earning assets | $48,846,600 | 5,088 |
| Average equity | $6,744,000 | 4,986 |
| Average total loans | $31,286,800 | 4,993 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 3,736 |
| Cost of funding earning assets | 0.4325% | 2,874 |
| Net interest margin | 3.4493% | 3,679 |
| Noninterest income to average assets | 0.2567% | 4,666 |
| Noninterest expense to average assets | 2.3288% | 4,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8091% | 3,483 |
| Return on assets (ROA) | 0.8091% | 3,531 |
| Pretax return on assets | 1.1955% | 2,928 |
| Return on Equity (ROE) | 6.1775% | 4,042 |
| Retained earnings to average equity (ytd only) | 6.1775% | 2,127 |
| Net charge-offs to loans | 0.0257% | 2,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 76.8313% | 838 |
| Efficiency ratio | 66.0780% | 3,196 |
| Assets per employee ($millions) | 5.7501% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 998 |
| Loan loss allowance to noncurrent loans | 101.5038% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.0280% | 1,641 |
| Noncurrent loans to loans | 1.6907% | 1,072 |
| Net loans and leases to total assets | 59.7612% | 3,893 |
| Net loans and leases to deposits | 70.8977% | 3,885 |
| Net loans and leases to core deposits | 76.3046% | 3,782 |
| Total domestic deposits to total assets | 84.2921% | 3,001 |
| Equity capital to assets | 13.3543% | 1,225 |
| Core capital (leverage) ratio | 13.4988% | 1,024 |
| Tier 1 risk-based capital ratio | 23.1252% | 936 |
| Total risk-based capital ratio | 24.3807% | 920 |
| Memoranda: | ||
| Average total assets | $51,412,500 | 5,187 |
| Average earning assets | $48,704,500 | 5,147 |
| Average equity | $6,734,000 | 5,046 |
| Average total loans | $31,153,000 | 5,045 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 3,775 |
| Cost of funding earning assets | 0.4197% | 2,898 |
| Net interest margin | 3.4154% | 3,718 |
| Noninterest income to average assets | 0.2456% | 4,770 |
| Noninterest expense to average assets | 2.3236% | 4,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7485% | 3,640 |
| Return on assets (ROA) | 0.7485% | 3,697 |
| Pretax return on assets | 1.1579% | 2,945 |
| Return on Equity (ROE) | 5.7528% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.7528% | 2,259 |
| Net charge-offs to loans | -0.0193% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7413% | 3,220 |
| Assets per employee ($millions) | 5.6966% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 905 |
| Loan loss allowance to noncurrent loans | 97.8648% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.0962% | 1,594 |
| Noncurrent loans to loans | 1.8304% | 976 |
| Net loans and leases to total assets | 58.8133% | 3,942 |
| Net loans and leases to deposits | 71.1726% | 3,811 |
| Net loans and leases to core deposits | 74.8641% | 3,869 |
| Total domestic deposits to total assets | 82.6347% | 3,676 |
| Equity capital to assets | 13.2497% | 1,254 |
| Core capital (leverage) ratio | 13.3736% | 1,030 |
| Tier 1 risk-based capital ratio | 23.2753% | 914 |
| Total risk-based capital ratio | 24.5306% | 902 |
| Memoranda: | ||
| Average total assets | $51,299,670 | 5,226 |
| Average earning assets | $48,604,000 | 5,181 |
| Average equity | $6,675,000 | 5,082 |
| Average total loans | $31,048,330 | 5,078 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8395% | 3,623 |
| Cost of funding earning assets | 0.4202% | 2,813 |
| Net interest margin | 3.4193% | 3,575 |
| Noninterest income to average assets | 0.2650% | 4,645 |
| Noninterest expense to average assets | 2.1046% | 4,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9588% | 2,484 |
| Return on assets (ROA) | 0.9588% | 2,543 |
| Pretax return on assets | 1.3953% | 1,907 |
| Return on Equity (ROE) | 7.4365% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.4365% | 1,678 |
| Net charge-offs to loans | -0.0897% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1336% | 4,435 |
| Assets per employee ($millions) | 5.7541% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7849% | 983 |
| Loan loss allowance to noncurrent loans | 167.8788% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 2,728 |
| Noncurrent loans to loans | 1.0632% | 1,925 |
| Net loans and leases to total assets | 58.8642% | 3,899 |
| Net loans and leases to deposits | 69.7319% | 3,827 |
| Net loans and leases to core deposits | 72.9649% | 3,918 |
| Total domestic deposits to total assets | 84.4150% | 3,328 |
| Equity capital to assets | 12.9299% | 1,287 |
| Core capital (leverage) ratio | 12.9899% | 1,146 |
| Tier 1 risk-based capital ratio | 23.2008% | 949 |
| Total risk-based capital ratio | 24.4580% | 937 |
| Memoranda: | ||
| Average total assets | $51,315,000 | 5,285 |
| Average earning assets | $48,548,500 | 5,238 |
| Average equity | $6,616,000 | 5,137 |
| Average total loans | $31,221,000 | 5,117 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9200% | 3,495 |
| Cost of funding earning assets | 0.4178% | 2,828 |
| Net interest margin | 3.5022% | 3,423 |
| Noninterest income to average assets | 0.3231% | 4,429 |
| Noninterest expense to average assets | 2.3433% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9074% | 2,782 |
| Return on assets (ROA) | 0.9074% | 2,897 |
| Pretax return on assets | 1.3062% | 2,258 |
| Return on Equity (ROE) | 7.0551% | 3,436 |
| Retained earnings to average equity (ytd only) | 6.2178% | 1,598 |
| Net charge-offs to loans | -0.1114% | 5,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2077% | 3,907 |
| Assets per employee ($millions) | 5.6492% | 1,742 |
| Cash dividends to net income (ytd only)* | 11.8681% | 3,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7418% | 1,056 |
| Loan loss allowance to noncurrent loans | 218.8000% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 3,292 |
| Noncurrent loans to loans | 0.7961% | 2,526 |
| Net loans and leases to total assets | 60.6908% | 3,775 |
| Net loans and leases to deposits | 70.7227% | 3,835 |
| Net loans and leases to core deposits | 74.0047% | 3,923 |
| Total domestic deposits to total assets | 85.8152% | 2,674 |
| Equity capital to assets | 12.8553% | 1,321 |
| Core capital (leverage) ratio | 12.9415% | 1,152 |
| Tier 1 risk-based capital ratio | 22.4218% | 1,026 |
| Total risk-based capital ratio | 23.6764% | 1,007 |
| Memoranda: | ||
| Average total assets | $50,143,600 | 5,342 |
| Average earning assets | $47,627,600 | 5,298 |
| Average equity | $6,449,200 | 5,200 |
| Average total loans | $31,407,400 | 5,154 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 3,538 |
| Cost of funding earning assets | 0.4155% | 2,882 |
| Net interest margin | 3.4981% | 3,473 |
| Noninterest income to average assets | 0.3175% | 4,501 |
| Noninterest expense to average assets | 2.1373% | 4,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0086% | 2,395 |
| Return on assets (ROA) | 1.0086% | 2,529 |
| Pretax return on assets | 1.5049% | 1,697 |
| Return on Equity (ROE) | 7.8412% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.8412% | 1,233 |
| Net charge-offs to loans | -0.1783% | 5,731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6813% | 4,724 |
| Assets per employee ($millions) | 5.4417% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7374% | 1,131 |
| Loan loss allowance to noncurrent loans | 171.5170% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 2,927 |
| Noncurrent loans to loans | 1.0130% | 2,216 |
| Net loans and leases to total assets | 63.9755% | 3,405 |
| Net loans and leases to deposits | 75.3445% | 3,464 |
| Net loans and leases to core deposits | 79.4140% | 3,510 |
| Total domestic deposits to total assets | 84.9107% | 2,843 |
| Equity capital to assets | 13.4844% | 1,255 |
| Core capital (leverage) ratio | 13.1949% | 1,113 |
| Tier 1 risk-based capital ratio | 22.1049% | 1,126 |
| Total risk-based capital ratio | 23.3598% | 1,106 |
| Memoranda: | ||
| Average total assets | $49,968,750 | 5,400 |
| Average earning assets | $47,491,750 | 5,350 |
| Average equity | $6,427,500 | 5,256 |
| Average total loans | $31,408,250 | 5,203 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 3,671 |
| Cost of funding earning assets | 0.4056% | 2,979 |
| Net interest margin | 3.4709% | 3,607 |
| Noninterest income to average assets | 0.3380% | 4,361 |
| Noninterest expense to average assets | 2.0755% | 5,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0497% | 2,176 |
| Return on assets (ROA) | 1.0497% | 2,304 |
| Pretax return on assets | 1.5626% | 1,484 |
| Return on Equity (ROE) | 8.2906% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.2906% | 1,074 |
| Net charge-offs to loans | -0.1408% | 5,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0492% | 5,019 |
| Assets per employee ($millions) | 5.5216% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 1,252 |
| Loan loss allowance to noncurrent loans | 137.2751% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7828% | 2,641 |
| Noncurrent loans to loans | 1.2469% | 1,844 |
| Net loans and leases to total assets | 61.7056% | 3,655 |
| Net loans and leases to deposits | 73.8287% | 3,612 |
| Net loans and leases to core deposits | 77.4285% | 3,697 |
| Total domestic deposits to total assets | 83.5795% | 3,434 |
| Equity capital to assets | 13.1263% | 1,431 |
| Core capital (leverage) ratio | 13.0360% | 1,134 |
| Tier 1 risk-based capital ratio | 23.2413% | 988 |
| Total risk-based capital ratio | 24.4974% | 967 |
| Memoranda: | ||
| Average total assets | $50,300,000 | 5,455 |
| Average earning assets | $47,825,670 | 5,403 |
| Average equity | $6,368,670 | 5,318 |
| Average total loans | $31,249,000 | 5,259 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 3,724 |
| Cost of funding earning assets | 0.3987% | 3,084 |
| Net interest margin | 3.4640% | 3,607 |
| Noninterest income to average assets | 0.3478% | 4,244 |
| Noninterest expense to average assets | 1.9604% | 5,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1383% | 1,755 |
| Return on assets (ROA) | 1.1383% | 1,871 |
| Pretax return on assets | 1.6837% | 1,108 |
| Return on Equity (ROE) | 9.1552% | 2,339 |
| Retained earnings to average equity (ytd only) | 9.1552% | 1,065 |
| Net charge-offs to loans | -0.3070% | 5,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7961% | 5,400 |
| Assets per employee ($millions) | 5.5733% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7275% | 1,294 |
| Loan loss allowance to noncurrent loans | 150.5618% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7097% | 2,937 |
| Noncurrent loans to loans | 1.1474% | 2,113 |
| Net loans and leases to total assets | 60.7875% | 3,678 |
| Net loans and leases to deposits | 72.6218% | 3,585 |
| Net loans and leases to core deposits | 76.5990% | 3,623 |
| Total domestic deposits to total assets | 83.7041% | 3,633 |
| Equity capital to assets | 12.7153% | 1,552 |
| Core capital (leverage) ratio | 12.3907% | 1,382 |
| Tier 1 risk-based capital ratio | 22.0251% | 1,152 |
| Total risk-based capital ratio | 23.2799% | 1,132 |
| Memoranda: | ||
| Average total assets | $50,603,000 | 5,494 |
| Average earning assets | $48,152,000 | 5,444 |
| Average equity | $6,291,500 | 5,365 |
| Average total loans | $31,274,500 | 5,299 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9567% | 3,483 |
| Cost of funding earning assets | 0.4071% | 3,079 |
| Net interest margin | 3.5496% | 3,327 |
| Noninterest income to average assets | 0.4068% | 3,988 |
| Noninterest expense to average assets | 2.3793% | 4,563 |
| Loan and lease loss provision to assets | 0.1022% | 2,280 |
| Net operating income to assets | 0.9484% | 2,622 |
| Return on assets (ROA) | 0.9484% | 2,699 |
| Pretax return on assets | 1.2939% | 2,315 |
| Return on Equity (ROE) | 7.6857% | 3,144 |
| Retained earnings to average equity (ytd only) | 6.7912% | 1,381 |
| Net charge-offs to loans | 0.2948% | 1,030 |
| Credit loss provision to net charge-offs | 54.9451% | 3,332 |
| Earnings coverage of net charge-offs (x) | 7.5055% | 3,075 |
| Efficiency ratio | 63.0211% | 4,436 |
| Assets per employee ($millions) | 5.6718% | 1,637 |
| Cash dividends to net income (ytd only)* | 11.6379% | 4,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 1,542 |
| Loan loss allowance to noncurrent loans | 100.5894% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.9971% | 2,202 |
| Noncurrent loans to loans | 1.6147% | 1,421 |
| Net loans and leases to total assets | 60.7491% | 3,732 |
| Net loans and leases to deposits | 70.6282% | 3,849 |
| Net loans and leases to core deposits | 73.8720% | 3,953 |
| Total domestic deposits to total assets | 86.0126% | 2,637 |
| Equity capital to assets | 12.1557% | 1,844 |
| Core capital (leverage) ratio | 12.5140% | 1,344 |
| Tier 1 risk-based capital ratio | 20.8694% | 1,322 |
| Total risk-based capital ratio | 22.1230% | 1,295 |
| Memoranda: | ||
| Average total assets | $48,922,600 | 5,570 |
| Average earning assets | $46,427,200 | 5,514 |
| Average equity | $6,037,200 | 5,429 |
| Average total loans | $30,865,200 | 5,327 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9706% | 3,460 |
| Cost of funding earning assets | 0.4066% | 3,156 |
| Net interest margin | 3.5640% | 3,288 |
| Noninterest income to average assets | 0.4133% | 3,984 |
| Noninterest expense to average assets | 2.2758% | 4,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0938% | 2,036 |
| Return on assets (ROA) | 1.0938% | 2,120 |
| Pretax return on assets | 1.5181% | 1,633 |
| Return on Equity (ROE) | 8.8290% | 2,664 |
| Retained earnings to average equity (ytd only) | 8.8290% | 965 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9855% | 4,894 |
| Assets per employee ($millions) | 5.3859% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7163% | 1,440 |
| Loan loss allowance to noncurrent loans | 101.8416% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.1202% | 2,122 |
| Noncurrent loans to loans | 1.6853% | 1,444 |
| Net loans and leases to total assets | 65.3292% | 3,105 |
| Net loans and leases to deposits | 76.8822% | 3,212 |
| Net loans and leases to core deposits | 80.6535% | 3,377 |
| Total domestic deposits to total assets | 84.9731% | 3,024 |
| Equity capital to assets | 12.8339% | 1,541 |
| Core capital (leverage) ratio | 12.3766% | 1,477 |
| Tier 1 risk-based capital ratio | 20.3857% | 1,459 |
| Total risk-based capital ratio | 21.6424% | 1,425 |
| Memoranda: | ||
| Average total assets | $48,391,750 | 5,648 |
| Average earning assets | $45,902,750 | 5,597 |
| Average equity | $5,995,250 | 5,503 |
| Average total loans | $30,701,000 | 5,393 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 3,633 |
| Cost of funding earning assets | 0.3971% | 3,307 |
| Net interest margin | 3.5172% | 3,429 |
| Noninterest income to average assets | 0.4177% | 3,942 |
| Noninterest expense to average assets | 2.2206% | 5,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0752% | 2,032 |
| Return on assets (ROA) | 1.0752% | 2,137 |
| Pretax return on assets | 1.5300% | 1,559 |
| Return on Equity (ROE) | 8.7838% | 2,667 |
| Retained earnings to average equity (ytd only) | 8.7838% | 995 |
| Net charge-offs to loans | 0.0994% | 2,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 24.6667% | 1,553 |
| Efficiency ratio | 59.2062% | 5,089 |
| Assets per employee ($millions) | 5.3188% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 1,550 |
| Loan loss allowance to noncurrent loans | 162.0482% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 3,319 |
| Noncurrent loans to loans | 1.0649% | 2,516 |
| Net loans and leases to total assets | 64.0080% | 3,264 |
| Net loans and leases to deposits | 75.2086% | 3,361 |
| Net loans and leases to core deposits | 78.9365% | 3,490 |
| Total domestic deposits to total assets | 85.1073% | 3,080 |
| Equity capital to assets | 12.6407% | 1,580 |
| Core capital (leverage) ratio | 12.6070% | 1,329 |
| Tier 1 risk-based capital ratio | 21.1018% | 1,337 |
| Total risk-based capital ratio | 22.3592% | 1,315 |
| Memoranda: | ||
| Average total assets | $48,364,670 | 5,714 |
| Average earning assets | $45,832,330 | 5,659 |
| Average equity | $5,920,000 | 5,568 |
| Average total loans | $30,194,670 | 5,466 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7963% | 4,024 |
| Cost of funding earning assets | 0.3987% | 3,320 |
| Net interest margin | 3.3976% | 3,854 |
| Noninterest income to average assets | 0.4032% | 3,980 |
| Noninterest expense to average assets | 2.2875% | 4,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9874% | 2,320 |
| Return on assets (ROA) | 0.9874% | 2,446 |
| Pretax return on assets | 1.3412% | 2,116 |
| Return on Equity (ROE) | 8.1988% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.1988% | 1,495 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0385% | 4,625 |
| Assets per employee ($millions) | 5.4036% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 1,315 |
| Loan loss allowance to noncurrent loans | 206.3433% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 3,838 |
| Noncurrent loans to loans | 0.9125% | 2,958 |
| Net loans and leases to total assets | 59.2552% | 3,762 |
| Net loans and leases to deposits | 69.8882% | 3,758 |
| Net loans and leases to core deposits | 72.8438% | 3,890 |
| Total domestic deposits to total assets | 84.7857% | 3,518 |
| Equity capital to assets | 12.1916% | 1,898 |
| Core capital (leverage) ratio | 11.8130% | 1,769 |
| Tier 1 risk-based capital ratio | 21.5174% | 1,319 |
| Total risk-based capital ratio | 22.7757% | 1,292 |
| Memoranda: | ||
| Average total assets | $48,612,500 | 5,757 |
| Average earning assets | $46,150,500 | 5,705 |
| Average equity | $5,854,500 | 5,636 |
| Average total loans | $29,703,000 | 5,523 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 3,794 |
| Cost of funding earning assets | 0.4050% | 3,643 |
| Net interest margin | 3.5754% | 3,491 |
| Noninterest income to average assets | 0.4895% | 3,590 |
| Noninterest expense to average assets | 2.3643% | 4,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0789% | 2,059 |
| Return on assets (ROA) | 1.0789% | 2,114 |
| Pretax return on assets | 1.5067% | 1,515 |
| Return on Equity (ROE) | 9.1758% | 2,501 |
| Retained earnings to average equity (ytd only) | 9.1758% | 666 |
| Net charge-offs to loans | -0.0308% | 5,795 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0775% | 5,052 |
| Assets per employee ($millions) | 5.3992% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8411% | 1,449 |
| Loan loss allowance to noncurrent loans | 221.2000% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 4,086 |
| Noncurrent loans to loans | 0.8323% | 3,231 |
| Net loans and leases to total assets | 60.6733% | 3,697 |
| Net loans and leases to deposits | 70.1275% | 3,895 |
| Net loans and leases to core deposits | 73.0247% | 4,025 |
| Total domestic deposits to total assets | 86.5186% | 2,563 |
| Equity capital to assets | 11.8947% | 2,091 |
| Core capital (leverage) ratio | 12.2688% | 1,464 |
| Tier 1 risk-based capital ratio | 21.6164% | 1,288 |
| Total risk-based capital ratio | 22.8764% | 1,263 |
| Memoranda: | ||
| Average total assets | $46,990,800 | 5,860 |
| Average earning assets | $44,442,800 | 5,818 |
| Average equity | $5,525,400 | 5,737 |
| Average total loans | $29,198,800 | 5,594 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9828% | 3,823 |
| Cost of funding earning assets | 0.4089% | 3,692 |
| Net interest margin | 3.5739% | 3,537 |
| Noninterest income to average assets | 0.5037% | 3,527 |
| Noninterest expense to average assets | 2.2951% | 5,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0760% | 2,130 |
| Return on assets (ROA) | 1.0760% | 2,198 |
| Pretax return on assets | 1.5854% | 1,370 |
| Return on Equity (ROE) | 9.1787% | 2,592 |
| Retained earnings to average equity (ytd only) | 9.1787% | 930 |
| Net charge-offs to loans | -0.0276% | 5,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1445% | 5,295 |
| Assets per employee ($millions) | 4.5738% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8562% | 1,562 |
| Loan loss allowance to noncurrent loans | 215.6863% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 4,190 |
| Noncurrent loans to loans | 0.8606% | 3,420 |
| Net loans and leases to total assets | 63.5795% | 3,249 |
| Net loans and leases to deposits | 74.2310% | 3,407 |
| Net loans and leases to core deposits | 77.5281% | 3,581 |
| Total domestic deposits to total assets | 85.6509% | 3,042 |
| Equity capital to assets | 12.3923% | 1,777 |
| Core capital (leverage) ratio | 12.0888% | 1,645 |
| Tier 1 risk-based capital ratio | 21.4517% | 1,360 |
| Total risk-based capital ratio | 22.7122% | 1,329 |
| Memoranda: | ||
| Average total assets | $46,590,250 | 5,943 |
| Average earning assets | $44,022,000 | 5,900 |
| Average equity | $5,461,750 | 5,809 |
| Average total loans | $28,989,500 | 5,663 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 4,022 |
| Cost of funding earning assets | 0.4024% | 3,846 |
| Net interest margin | 3.5269% | 3,670 |
| Noninterest income to average assets | 0.5077% | 3,421 |
| Noninterest expense to average assets | 2.1931% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1051% | 1,925 |
| Return on assets (ROA) | 1.1051% | 1,991 |
| Pretax return on assets | 1.6427% | 1,155 |
| Return on Equity (ROE) | 9.6050% | 2,322 |
| Retained earnings to average equity (ytd only) | 9.6050% | 814 |
| Net charge-offs to loans | 0.1321% | 2,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 20.2632% | 1,589 |
| Efficiency ratio | 57.1746% | 5,643 |
| Assets per employee ($millions) | 4.6878% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8222% | 1,785 |
| Loan loss allowance to noncurrent loans | 223.4043% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 4,505 |
| Noncurrent loans to loans | 0.8157% | 3,673 |
| Net loans and leases to total assets | 60.3396% | 3,664 |
| Net loans and leases to deposits | 70.0547% | 3,820 |
| Net loans and leases to core deposits | 72.5989% | 3,986 |
| Total domestic deposits to total assets | 86.1321% | 2,980 |
| Equity capital to assets | 11.8392% | 2,110 |
| Core capital (leverage) ratio | 11.7716% | 1,809 |
| Tier 1 risk-based capital ratio | 21.4486% | 1,354 |
| Total risk-based capital ratio | 22.7082% | 1,328 |
| Memoranda: | ||
| Average total assets | $46,874,330 | 5,991 |
| Average earning assets | $44,231,670 | 5,946 |
| Average equity | $5,393,000 | 5,864 |
| Average total loans | $28,776,000 | 5,710 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9999% | 3,681 |
| Cost of funding earning assets | 0.4063% | 3,886 |
| Net interest margin | 3.5936% | 3,271 |
| Noninterest income to average assets | 0.3840% | 4,318 |
| Noninterest expense to average assets | 2.1761% | 5,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0838% | 1,881 |
| Return on assets (ROA) | 1.0838% | 1,944 |
| Pretax return on assets | 1.6044% | 1,161 |
| Return on Equity (ROE) | 9.5588% | 2,222 |
| Retained earnings to average equity (ytd only) | 9.5588% | 1,090 |
| Net charge-offs to loans | -0.1391% | 6,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5621% | 5,697 |
| Assets per employee ($millions) | 4.7120% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9342% | 1,661 |
| Loan loss allowance to noncurrent loans | 246.2222% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 4,707 |
| Noncurrent loans to loans | 0.7855% | 3,903 |
| Net loans and leases to total assets | 59.6116% | 3,620 |
| Net loans and leases to deposits | 68.5415% | 3,794 |
| Net loans and leases to core deposits | 71.4406% | 3,928 |
| Total domestic deposits to total assets | 86.9716% | 2,827 |
| Equity capital to assets | 11.4240% | 2,309 |
| Core capital (leverage) ratio | 11.2846% | 2,156 |
| Tier 1 risk-based capital ratio | 21.0749% | 1,460 |
| Total risk-based capital ratio | 22.3353% | 1,439 |
| Memoranda: | ||
| Average total assets | $46,872,500 | 6,042 |
| Average earning assets | $44,301,500 | 5,993 |
| Average equity | $5,314,500 | 5,924 |
| Average total loans | $28,758,500 | 5,761 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 4,066 |
| Cost of funding earning assets | 0.4421% | 4,195 |
| Net interest margin | 3.5648% | 3,620 |
| Noninterest income to average assets | 0.4817% | 3,874 |
| Noninterest expense to average assets | 2.2352% | 5,541 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1209% | 1,864 |
| Return on assets (ROA) | 1.1209% | 1,928 |
| Pretax return on assets | 1.5937% | 1,187 |
| Return on Equity (ROE) | 10.0686% | 2,084 |
| Retained earnings to average equity (ytd only) | 10.0686% | 556 |
| Net charge-offs to loans | -0.0288% | 6,219 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3768% | 5,691 |
| Assets per employee ($millions) | 4.6625% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8840% | 1,817 |
| Loan loss allowance to noncurrent loans | 98.3725% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1861% | 3,028 |
| Noncurrent loans to loans | 1.9152% | 2,102 |
| Net loans and leases to total assets | 60.7614% | 3,580 |
| Net loans and leases to deposits | 69.5966% | 3,833 |
| Net loans and leases to core deposits | 73.0268% | 3,941 |
| Total domestic deposits to total assets | 87.3051% | 2,577 |
| Equity capital to assets | 11.2515% | 2,382 |
| Core capital (leverage) ratio | 11.5106% | 1,955 |
| Tier 1 risk-based capital ratio | 20.5344% | 1,532 |
| Total risk-based capital ratio | 21.7960% | 1,507 |
| Memoranda: | ||
| Average total assets | $45,051,200 | 6,150 |
| Average earning assets | $42,302,000 | 6,098 |
| Average equity | $5,015,600 | 6,064 |
| Average total loans | $27,809,800 | 5,856 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 4,176 |
| Cost of funding earning assets | 0.4460% | 4,324 |
| Net interest margin | 3.5425% | 3,698 |
| Noninterest income to average assets | 0.4777% | 3,951 |
| Noninterest expense to average assets | 2.2064% | 5,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0778% | 2,091 |
| Return on assets (ROA) | 1.0778% | 2,173 |
| Pretax return on assets | 1.5913% | 1,356 |
| Return on Equity (ROE) | 9.7079% | 2,303 |
| Retained earnings to average equity (ytd only) | 9.7079% | 852 |
| Net charge-offs to loans | -0.0339% | 6,192 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0975% | 5,672 |
| Assets per employee ($millions) | 4.5038% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8530% | 2,135 |
| Loan loss allowance to noncurrent loans | 71.0733% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.7829% | 2,299 |
| Noncurrent loans to loans | 2.6072% | 1,634 |
| Net loans and leases to total assets | 63.8594% | 3,019 |
| Net loans and leases to deposits | 73.7670% | 3,268 |
| Net loans and leases to core deposits | 78.0934% | 3,351 |
| Total domestic deposits to total assets | 86.5691% | 2,924 |
| Equity capital to assets | 11.3082% | 2,463 |
| Core capital (leverage) ratio | 11.2179% | 2,286 |
| Tier 1 risk-based capital ratio | 19.0711% | 1,970 |
| Total risk-based capital ratio | 20.3320% | 1,932 |
| Memoranda: | ||
| Average total assets | $44,657,750 | 6,231 |
| Average earning assets | $41,852,250 | 6,185 |
| Average equity | $4,958,000 | 6,149 |
| Average total loans | $27,543,750 | 5,923 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 4,370 |
| Cost of funding earning assets | 0.4501% | 4,426 |
| Net interest margin | 3.4764% | 3,896 |
| Noninterest income to average assets | 0.4401% | 4,247 |
| Noninterest expense to average assets | 2.1289% | 5,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1004% | 1,926 |
| Return on assets (ROA) | 1.1004% | 2,040 |
| Pretax return on assets | 1.5719% | 1,442 |
| Return on Equity (ROE) | 9.9735% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.9735% | 847 |
| Net charge-offs to loans | -0.0519% | 6,280 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5243% | 5,795 |
| Assets per employee ($millions) | 4.4149% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9231% | 2,043 |
| Loan loss allowance to noncurrent loans | 133.7438% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.0080% | 3,740 |
| Noncurrent loans to loans | 1.4379% | 3,145 |
| Net loans and leases to total assets | 62.7240% | 3,152 |
| Net loans and leases to deposits | 73.1432% | 3,272 |
| Net loans and leases to core deposits | 76.4930% | 3,486 |
| Total domestic deposits to total assets | 85.7551% | 3,501 |
| Equity capital to assets | 11.2324% | 2,537 |
| Core capital (leverage) ratio | 11.2093% | 2,167 |
| Tier 1 risk-based capital ratio | 19.7408% | 1,781 |
| Total risk-based capital ratio | 21.0011% | 1,758 |
| Memoranda: | ||
| Average total assets | $44,531,000 | 6,273 |
| Average earning assets | $41,767,670 | 6,234 |
| Average equity | $4,913,000 | 6,212 |
| Average total loans | $26,957,000 | 5,980 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8485% | 4,651 |
| Cost of funding earning assets | 0.4572% | 4,510 |
| Net interest margin | 3.3912% | 4,149 |
| Noninterest income to average assets | 0.3578% | 4,807 |
| Noninterest expense to average assets | 2.1555% | 5,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0196% | 2,144 |
| Return on assets (ROA) | 1.0196% | 2,263 |
| Pretax return on assets | 1.3863% | 1,903 |
| Return on Equity (ROE) | 9.3252% | 2,338 |
| Retained earnings to average equity (ytd only) | 9.3252% | 1,280 |
| Net charge-offs to loans | -0.0760% | 6,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8586% | 5,467 |
| Assets per employee ($millions) | 4.4911% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0061% | 2,026 |
| Loan loss allowance to noncurrent loans | 244.7964% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 4,944 |
| Noncurrent loans to loans | 0.8195% | 4,483 |
| Net loans and leases to total assets | 58.8430% | 3,643 |
| Net loans and leases to deposits | 67.1810% | 3,889 |
| Net loans and leases to core deposits | 69.6731% | 4,123 |
| Total domestic deposits to total assets | 87.5888% | 2,582 |
| Equity capital to assets | 11.0018% | 2,957 |
| Core capital (leverage) ratio | 10.6906% | 2,557 |
| Tier 1 risk-based capital ratio | 19.3681% | 1,945 |
| Total risk-based capital ratio | 20.6296% | 1,914 |
| Memoranda: | ||
| Average total assets | $44,722,000 | 6,323 |
| Average earning assets | $41,990,500 | 6,281 |
| Average equity | $4,890,000 | 6,282 |
| Average total loans | $26,318,000 | 6,055 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 4,859 |
| Cost of funding earning assets | 0.5713% | 4,625 |
| Net interest margin | 3.5532% | 4,288 |
| Noninterest income to average assets | 0.4638% | 4,146 |
| Noninterest expense to average assets | 2.4149% | 5,363 |
| Loan and lease loss provision to assets | 0.0703% | 4,865 |
| Net operating income to assets | 0.9128% | 2,754 |
| Return on assets (ROA) | 0.9112% | 3,002 |
| Pretax return on assets | 1.2976% | 2,410 |
| Return on Equity (ROE) | 8.3663% | 2,928 |
| Retained earnings to average equity (ytd only) | 8.3663% | 1,009 |
| Net charge-offs to loans | 0.2624% | 3,367 |
| Credit loss provision to net charge-offs | 44.7761% | 4,823 |
| Earnings coverage of net charge-offs (x) | 8.7313% | 2,365 |
| Efficiency ratio | 63.7995% | 4,925 |
| Assets per employee ($millions) | 4.4533% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0882% | 1,799 |
| Loan loss allowance to noncurrent loans | 174.5928% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 4,517 |
| Noncurrent loans to loans | 1.1960% | 3,858 |
| Net loans and leases to total assets | 56.4346% | 4,219 |
| Net loans and leases to deposits | 64.7148% | 4,458 |
| Net loans and leases to core deposits | 68.0494% | 4,525 |
| Total domestic deposits to total assets | 87.2050% | 2,700 |
| Equity capital to assets | 10.8661% | 3,109 |
| Core capital (leverage) ratio | 11.3829% | 1,950 |
| Tier 1 risk-based capital ratio | 19.5411% | 1,804 |
| Total risk-based capital ratio | 20.8035% | 1,769 |
| Memoranda: | ||
| Average total assets | $42,692,600 | 6,406 |
| Average earning assets | $39,907,400 | 6,367 |
| Average equity | $4,649,600 | 6,400 |
| Average total loans | $25,535,800 | 6,159 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 4,817 |
| Cost of funding earning assets | 0.5981% | 4,672 |
| Net interest margin | 3.6019% | 4,229 |
| Noninterest income to average assets | 0.4483% | 4,307 |
| Noninterest expense to average assets | 2.3709% | 5,482 |
| Loan and lease loss provision to assets | 0.0947% | 4,397 |
| Net operating income to assets | 0.9525% | 2,737 |
| Return on assets (ROA) | 0.9503% | 2,973 |
| Pretax return on assets | 1.3449% | 2,432 |
| Return on Equity (ROE) | 8.7201% | 2,938 |
| Retained earnings to average equity (ytd only) | 8.7201% | 1,340 |
| Net charge-offs to loans | 0.1673% | 3,780 |
| Credit loss provision to net charge-offs | 93.7500% | 3,184 |
| Earnings coverage of net charge-offs (x) | 14.2798% | 1,843 |
| Efficiency ratio | 62.1689% | 5,127 |
| Assets per employee ($millions) | 4.2870% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2459% | 1,617 |
| Loan loss allowance to noncurrent loans | 165.9884% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.8934% | 4,500 |
| Noncurrent loans to loans | 1.3531% | 3,760 |
| Net loans and leases to total assets | 57.9729% | 4,140 |
| Net loans and leases to deposits | 67.2539% | 4,298 |
| Net loans and leases to core deposits | 70.4051% | 4,447 |
| Total domestic deposits to total assets | 86.2001% | 3,149 |
| Equity capital to assets | 11.1383% | 3,113 |
| Core capital (leverage) ratio | 10.9723% | 2,420 |
| Tier 1 risk-based capital ratio | 19.9717% | 1,766 |
| Total risk-based capital ratio | 21.2350% | 1,738 |
| Memoranda: | ||
| Average total assets | $42,232,500 | 6,495 |
| Average earning assets | $39,459,500 | 6,453 |
| Average equity | $4,602,250 | 6,488 |
| Average total loans | $25,502,750 | 6,248 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 4,787 |
| Cost of funding earning assets | 0.6100% | 4,812 |
| Net interest margin | 3.6343% | 4,109 |
| Noninterest income to average assets | 0.4236% | 4,471 |
| Noninterest expense to average assets | 2.2846% | 5,781 |
| Loan and lease loss provision to assets | 0.1428% | 3,732 |
| Net operating income to assets | 0.9886% | 2,521 |
| Return on assets (ROA) | 0.9852% | 2,760 |
| Pretax return on assets | 1.3946% | 2,214 |
| Return on Equity (ROE) | 9.1096% | 2,763 |
| Retained earnings to average equity (ytd only) | 9.1096% | 1,234 |
| Net charge-offs to loans | -0.0078% | 6,234 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7015% | 5,626 |
| Assets per employee ($millions) | 4.1288% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3551% | 1,492 |
| Loan loss allowance to noncurrent loans | 178.1711% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.8211% | 4,756 |
| Noncurrent loans to loans | 1.3218% | 3,935 |
| Net loans and leases to total assets | 60.6544% | 3,692 |
| Net loans and leases to deposits | 69.2887% | 3,998 |
| Net loans and leases to core deposits | 72.6073% | 4,227 |
| Total domestic deposits to total assets | 87.5388% | 2,442 |
| Equity capital to assets | 11.2696% | 2,830 |
| Core capital (leverage) ratio | 10.7977% | 2,482 |
| Tier 1 risk-based capital ratio | 19.5717% | 1,825 |
| Total risk-based capital ratio | 20.8394% | 1,794 |
| Memoranda: | ||
| Average total assets | $42,020,000 | 6,544 |
| Average earning assets | $39,347,330 | 6,499 |
| Average equity | $4,544,670 | 6,534 |
| Average total loans | $25,529,000 | 6,287 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 4,890 |
| Cost of funding earning assets | 0.6244% | 4,934 |
| Net interest margin | 3.6356% | 4,107 |
| Noninterest income to average assets | 0.4247% | 4,485 |
| Noninterest expense to average assets | 2.3310% | 5,687 |
| Loan and lease loss provision to assets | 0.2831% | 2,204 |
| Net operating income to assets | 0.8845% | 2,997 |
| Return on assets (ROA) | 0.8776% | 3,249 |
| Pretax return on assets | 1.2079% | 2,886 |
| Return on Equity (ROE) | 8.2842% | 3,150 |
| Retained earnings to average equity (ytd only) | 8.2842% | 1,868 |
| Net charge-offs to loans | 0.0471% | 4,046 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 606 |
| Efficiency ratio | 60.8374% | 5,483 |
| Assets per employee ($millions) | 4.2440% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3981% | 1,510 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9425% | 4,619 |
| Noncurrent loans to loans | 1.5987% | 3,722 |
| Net loans and leases to total assets | 57.5401% | 4,123 |
| Net loans and leases to deposits | 66.3821% | 4,320 |
| Net loans and leases to core deposits | 68.2390% | 4,657 |
| Total domestic deposits to total assets | 86.6800% | 3,127 |
| Equity capital to assets | 10.6739% | 3,296 |
| Core capital (leverage) ratio | 10.3654% | 2,911 |
| Tier 1 risk-based capital ratio | 19.6637% | 1,792 |
| Total risk-based capital ratio | 20.9302% | 1,759 |
| Memoranda: | ||
| Average total assets | $42,386,000 | 6,585 |
| Average earning assets | $39,718,500 | 6,537 |
| Average equity | $4,490,500 | 6,584 |
| Average total loans | $25,470,000 | 6,339 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 4,657 |
| Cost of funding earning assets | 0.9571% | 3,671 |
| Net interest margin | 3.6483% | 4,528 |
| Noninterest income to average assets | 0.4305% | 4,372 |
| Noninterest expense to average assets | 2.3775% | 5,832 |
| Loan and lease loss provision to assets | 0.1209% | 5,091 |
| Net operating income to assets | 0.9809% | 2,280 |
| Return on assets (ROA) | 0.9844% | 2,403 |
| Pretax return on assets | 1.3665% | 1,893 |
| Return on Equity (ROE) | 9.7043% | 2,161 |
| Retained earnings to average equity (ytd only) | 9.7043% | 624 |
| Net charge-offs to loans | 0.0696% | 5,612 |
| Credit loss provision to net charge-offs | 277.7778% | 854 |
| Earnings coverage of net charge-offs (x) | 34.0556% | 761 |
| Efficiency ratio | 61.5915% | 5,522 |
| Assets per employee ($millions) | 4.2332% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2106% | 1,786 |
| Loan loss allowance to noncurrent loans | 92.5687% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.4623% | 3,783 |
| Noncurrent loans to loans | 2.3881% | 2,736 |
| Net loans and leases to total assets | 59.8767% | 4,014 |
| Net loans and leases to deposits | 68.1518% | 4,423 |
| Net loans and leases to core deposits | 69.5563% | 4,840 |
| Total domestic deposits to total assets | 87.8579% | 2,244 |
| Equity capital to assets | 10.5145% | 3,523 |
| Core capital (leverage) ratio | 10.2969% | 2,978 |
| Tier 1 risk-based capital ratio | 18.1883% | 2,136 |
| Total risk-based capital ratio | 19.4514% | 2,100 |
| Memoranda: | ||
| Average total assets | $41,345,400 | 6,622 |
| Average earning assets | $38,867,600 | 6,572 |
| Average equity | $4,194,000 | 6,703 |
| Average total loans | $25,845,800 | 6,368 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 4,650 |
| Cost of funding earning assets | 1.0278% | 3,484 |
| Net interest margin | 3.6284% | 4,663 |
| Noninterest income to average assets | 0.4152% | 4,543 |
| Noninterest expense to average assets | 2.3650% | 5,867 |
| Loan and lease loss provision to assets | 0.1428% | 4,656 |
| Net operating income to assets | 0.9556% | 2,503 |
| Return on assets (ROA) | 0.9603% | 2,649 |
| Pretax return on assets | 1.3269% | 2,195 |
| Return on Equity (ROE) | 9.5565% | 2,365 |
| Retained earnings to average equity (ytd only) | 9.5565% | 964 |
| Net charge-offs to loans | 0.1859% | 4,311 |
| Credit loss provision to net charge-offs | 122.2222% | 2,649 |
| Earnings coverage of net charge-offs (x) | 12.5275% | 1,698 |
| Efficiency ratio | 61.7797% | 5,447 |
| Assets per employee ($millions) | 4.2828% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1082% | 2,047 |
| Loan loss allowance to noncurrent loans | 84.2025% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.5224% | 3,823 |
| Noncurrent loans to loans | 2.5037% | 2,765 |
| Net loans and leases to total assets | 59.5218% | 4,225 |
| Net loans and leases to deposits | 68.4864% | 4,523 |
| Net loans and leases to core deposits | 70.1911% | 4,931 |
| Total domestic deposits to total assets | 86.9104% | 2,707 |
| Equity capital to assets | 10.0939% | 4,215 |
| Core capital (leverage) ratio | 10.3359% | 3,053 |
| Tier 1 risk-based capital ratio | 17.8296% | 2,319 |
| Total risk-based capital ratio | 19.0917% | 2,280 |
| Memoranda: | ||
| Average total assets | $41,098,750 | 6,689 |
| Average earning assets | $38,657,250 | 6,640 |
| Average equity | $4,129,750 | 6,769 |
| Average total loans | $25,827,250 | 6,434 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 5,199 |
| Cost of funding earning assets | 1.0913% | 3,307 |
| Net interest margin | 3.4522% | 5,359 |
| Noninterest income to average assets | 0.4146% | 4,554 |
| Noninterest expense to average assets | 2.3098% | 6,095 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9604% | 2,393 |
| Return on assets (ROA) | 0.9674% | 2,464 |
| Pretax return on assets | 1.3622% | 1,912 |
| Return on Equity (ROE) | 9.6425% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.6425% | 925 |
| Net charge-offs to loans | 0.2097% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 10.1481% | 1,846 |
| Efficiency ratio | 63.0728% | 5,390 |
| Assets per employee ($millions) | 3.9855% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9756% | 2,438 |
| Loan loss allowance to noncurrent loans | 50.6404% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 2.5467% | 2,628 |
| Noncurrent loans to loans | 3.9013% | 1,781 |
| Net loans and leases to total assets | 63.9895% | 3,465 |
| Net loans and leases to deposits | 72.2854% | 4,071 |
| Net loans and leases to core deposits | 74.7516% | 4,477 |
| Total domestic deposits to total assets | 88.5234% | 1,838 |
| Equity capital to assets | 10.5407% | 3,460 |
| Core capital (leverage) ratio | 10.1693% | 3,068 |
| Tier 1 risk-based capital ratio | 17.0269% | 2,509 |
| Total risk-based capital ratio | 18.2862% | 2,482 |
| Memoranda: | ||
| Average total assets | $40,522,330 | 6,768 |
| Average earning assets | $38,121,000 | 6,711 |
| Average equity | $4,065,330 | 6,831 |
| Average total loans | $25,756,000 | 6,493 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 5,446 |
| Cost of funding earning assets | 1.1436% | 3,201 |
| Net interest margin | 3.3267% | 5,688 |
| Noninterest income to average assets | 0.4112% | 4,617 |
| Noninterest expense to average assets | 2.3008% | 6,185 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9497% | 2,359 |
| Return on assets (ROA) | 0.9497% | 2,425 |
| Pretax return on assets | 1.2434% | 2,221 |
| Return on Equity (ROE) | 9.7061% | 2,206 |
| Retained earnings to average equity (ytd only) | 9.7061% | 1,179 |
| Net charge-offs to loans | -0.0624% | 6,959 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9171% | 5,199 |
| Assets per employee ($millions) | 4.2157% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1511% | 2,075 |
| Loan loss allowance to noncurrent loans | 37.9791% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 3.4039% | 2,005 |
| Noncurrent loans to loans | 5.6639% | 1,151 |
| Net loans and leases to total assets | 58.8064% | 4,498 |
| Net loans and leases to deposits | 66.8185% | 4,858 |
| Net loans and leases to core deposits | 68.4948% | 5,230 |
| Total domestic deposits to total assets | 88.0091% | 2,367 |
| Equity capital to assets | 9.6164% | 4,294 |
| Core capital (leverage) ratio | 9.6501% | 3,591 |
| Tier 1 risk-based capital ratio | 16.4736% | 2,671 |
| Total risk-based capital ratio | 17.7339% | 2,643 |
| Memoranda: | ||
| Average total assets | $40,856,000 | 6,805 |
| Average earning assets | $38,476,500 | 6,744 |
| Average equity | $3,997,500 | 6,886 |
| Average total loans | $25,625,500 | 6,550 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1506% | 3,848 |
| Cost of funding earning assets | 1.4481% | 2,964 |
| Net interest margin | 3.7025% | 4,332 |
| Noninterest income to average assets | 0.4459% | 4,550 |
| Noninterest expense to average assets | 2.4523% | 5,940 |
| Loan and lease loss provision to assets | 0.6927% | 2,374 |
| Net operating income to assets | 0.6370% | 3,501 |
| Return on assets (ROA) | 0.6370% | 3,652 |
| Pretax return on assets | 0.7007% | 3,975 |
| Return on Equity (ROE) | 6.2916% | 3,454 |
| Retained earnings to average equity (ytd only) | 6.2916% | 1,670 |
| Net charge-offs to loans | 0.3405% | 4,311 |
| Credit loss provision to net charge-offs | 307.0588% | 866 |
| Earnings coverage of net charge-offs (x) | 6.1765% | 2,420 |
| Efficiency ratio | 63.7681% | 5,390 |
| Assets per employee ($millions) | 3.9555% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0876% | 2,095 |
| Loan loss allowance to noncurrent loans | 40.9848% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 3.3371% | 2,112 |
| Noncurrent loans to loans | 5.0936% | 1,311 |
| Net loans and leases to total assets | 64.1487% | 3,843 |
| Net loans and leases to deposits | 73.3353% | 4,306 |
| Net loans and leases to core deposits | 75.3116% | 4,809 |
| Total domestic deposits to total assets | 87.4731% | 2,569 |
| Equity capital to assets | 9.9633% | 3,792 |
| Core capital (leverage) ratio | 9.9232% | 3,172 |
| Tier 1 risk-based capital ratio | 15.8544% | 2,815 |
| Total risk-based capital ratio | 17.1169% | 2,770 |
| Memoranda: | ||
| Average total assets | $37,678,600 | 6,949 |
| Average earning assets | $34,597,800 | 6,931 |
| Average equity | $3,814,600 | 7,053 |
| Average total loans | $24,961,200 | 6,673 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 3,886 |
| Cost of funding earning assets | 1.5135% | 2,892 |
| Net interest margin | 3.6756% | 4,520 |
| Noninterest income to average assets | 0.4586% | 4,496 |
| Noninterest expense to average assets | 2.4223% | 5,963 |
| Loan and lease loss provision to assets | 0.9352% | 1,612 |
| Net operating income to assets | 0.4049% | 4,730 |
| Return on assets (ROA) | 0.4049% | 4,906 |
| Pretax return on assets | 0.4515% | 5,074 |
| Return on Equity (ROE) | 3.9826% | 4,790 |
| Retained earnings to average equity (ytd only) | 3.9826% | 3,676 |
| Net charge-offs to loans | 0.2751% | 4,299 |
| Credit loss provision to net charge-offs | 511.7647% | 573 |
| Earnings coverage of net charge-offs (x) | 7.5881% | 2,302 |
| Efficiency ratio | 63.5936% | 5,324 |
| Assets per employee ($millions) | 3.7898% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2952% | 1,636 |
| Loan loss allowance to noncurrent loans | 41.7574% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 3.6334% | 1,960 |
| Noncurrent loans to loans | 5.4966% | 1,204 |
| Net loans and leases to total assets | 64.5865% | 3,996 |
| Net loans and leases to deposits | 73.1181% | 4,668 |
| Net loans and leases to core deposits | 73.6837% | 5,331 |
| Total domestic deposits to total assets | 88.3318% | 1,776 |
| Equity capital to assets | 10.1773% | 3,909 |
| Core capital (leverage) ratio | 9.8114% | 3,472 |
| Tier 1 risk-based capital ratio | 16.0599% | 2,729 |
| Total risk-based capital ratio | 17.3224% | 2,676 |
| Memoranda: | ||
| Average total assets | $37,209,500 | 7,043 |
| Average earning assets | $33,916,250 | 7,030 |
| Average equity | $3,783,000 | 7,155 |
| Average total loans | $24,722,750 | 6,780 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3087% | 3,429 |
| Cost of funding earning assets | 1.5621% | 2,893 |
| Net interest margin | 3.7466% | 4,149 |
| Noninterest income to average assets | 0.5408% | 3,784 |
| Noninterest expense to average assets | 2.4121% | 6,037 |
| Loan and lease loss provision to assets | 1.0871% | 1,322 |
| Net operating income to assets | 0.4056% | 4,731 |
| Return on assets (ROA) | 0.4056% | 4,893 |
| Pretax return on assets | 0.4273% | 5,131 |
| Return on Equity (ROE) | 3.9911% | 4,782 |
| Retained earnings to average equity (ytd only) | 3.9911% | 3,539 |
| Net charge-offs to loans | 0.2763% | 3,953 |
| Credit loss provision to net charge-offs | 591.1765% | 632 |
| Earnings coverage of net charge-offs (x) | 8.2353% | 2,168 |
| Efficiency ratio | 61.4325% | 5,784 |
| Assets per employee ($millions) | 3.8823% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0992% | 1,962 |
| Loan loss allowance to noncurrent loans | 53.5750% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 2.5578% | 2,831 |
| Noncurrent loans to loans | 3.9182% | 1,944 |
| Net loans and leases to total assets | 63.9080% | 4,280 |
| Net loans and leases to deposits | 72.2258% | 4,960 |
| Net loans and leases to core deposits | 73.8511% | 5,463 |
| Total domestic deposits to total assets | 88.4836% | 1,741 |
| Equity capital to assets | 9.7957% | 4,273 |
| Core capital (leverage) ratio | 10.1072% | 3,054 |
| Tier 1 risk-based capital ratio | 15.6786% | 2,814 |
| Total risk-based capital ratio | 16.9404% | 2,775 |
| Memoranda: | ||
| Average total assets | $36,980,000 | 7,113 |
| Average earning assets | $33,416,670 | 7,098 |
| Average equity | $3,758,330 | 7,192 |
| Average total loans | $24,613,000 | 6,828 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6013% | 2,144 |
| Cost of funding earning assets | 1.6409% | 2,701 |
| Net interest margin | 3.9604% | 3,053 |
| Noninterest income to average assets | 0.4104% | 4,813 |
| Noninterest expense to average assets | 2.3295% | 6,307 |
| Loan and lease loss provision to assets | 1.3312% | 901 |
| Net operating income to assets | 0.2995% | 5,306 |
| Return on assets (ROA) | 0.2995% | 5,436 |
| Pretax return on assets | 0.3106% | 5,572 |
| Return on Equity (ROE) | 2.8908% | 5,385 |
| Retained earnings to average equity (ytd only) | 2.8908% | 4,397 |
| Net charge-offs to loans | -0.0990% | 7,520 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6592% | 6,385 |
| Assets per employee ($millions) | 3.9974% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0302% | 2,106 |
| Loan loss allowance to noncurrent loans | 47.4396% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 2.8768% | 2,505 |
| Noncurrent loans to loans | 4.2795% | 1,782 |
| Net loans and leases to total assets | 65.8587% | 3,894 |
| Net loans and leases to deposits | 74.5821% | 4,659 |
| Net loans and leases to core deposits | 76.3928% | 5,203 |
| Total domestic deposits to total assets | 88.3036% | 1,902 |
| Equity capital to assets | 10.4205% | 3,322 |
| Core capital (leverage) ratio | 10.0305% | 3,128 |
| Tier 1 risk-based capital ratio | 16.2407% | 2,542 |
| Total risk-based capital ratio | 17.5034% | 2,500 |
| Memoranda: | ||
| Average total assets | $36,058,500 | 7,231 |
| Average earning assets | $32,421,000 | 7,225 |
| Average equity | $3,736,000 | 7,272 |
| Average total loans | $24,248,000 | 6,929 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0972% | 6,095 |
| Cost of funding earning assets | 2.0437% | 2,752 |
| Net interest margin | 3.0536% | 6,511 |
| Noninterest income to average assets | 0.4788% | 4,584 |
| Noninterest expense to average assets | 2.4404% | 6,333 |
| Loan and lease loss provision to assets | 0.4625% | 4,059 |
| Net operating income to assets | 0.3129% | 4,488 |
| Return on assets (ROA) | 0.3129% | 4,570 |
| Pretax return on assets | 0.3646% | 4,598 |
| Return on Equity (ROE) | 3.1189% | 4,455 |
| Retained earnings to average equity (ytd only) | 2.6307% | 3,304 |
| Net charge-offs to loans | 0.4282% | 4,081 |
| Credit loss provision to net charge-offs | 165.0485% | 2,643 |
| Earnings coverage of net charge-offs (x) | 2.9515% | 3,603 |
| Efficiency ratio | 74.6878% | 3,761 |
| Assets per employee ($millions) | 4.0156% | 3,789 |
| Cash dividends to net income (ytd only)* | 15.6522% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 3,718 |
| Loan loss allowance to noncurrent loans | 27.7356% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 3.6414% | 1,826 |
| Noncurrent loans to loans | 5.4132% | 1,206 |
| Net loans and leases to total assets | 66.2590% | 4,093 |
| Net loans and leases to deposits | 74.9437% | 4,882 |
| Net loans and leases to core deposits | 84.8938% | 5,629 |
| Total domestic deposits to total assets | 88.4117% | 1,768 |
| Equity capital to assets | 10.3016% | 3,401 |
| Core capital (leverage) ratio | 9.9681% | 3,124 |
| Tier 1 risk-based capital ratio | 15.9948% | 2,526 |
| Total risk-based capital ratio | 17.2481% | 2,457 |
| Memoranda: | ||
| Average total assets | $36,756,400 | 7,219 |
| Average earning assets | $33,567,200 | 7,207 |
| Average equity | $3,687,200 | 7,392 |
| Average total loans | $24,054,200 | 6,969 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 6,435 |
| Cost of funding earning assets | 2.0879% | 2,941 |
| Net interest margin | 2.9664% | 6,697 |
| Noninterest income to average assets | 0.4588% | 4,834 |
| Noninterest expense to average assets | 2.3046% | 6,693 |
| Loan and lease loss provision to assets | 0.3251% | 4,382 |
| Net operating income to assets | 0.4840% | 4,060 |
| Return on assets (ROA) | 0.4840% | 4,153 |
| Pretax return on assets | 0.5491% | 4,362 |
| Return on Equity (ROE) | 4.8572% | 4,023 |
| Retained earnings to average equity (ytd only) | 4.2047% | 2,926 |
| Net charge-offs to loans | 0.2890% | 4,230 |
| Credit loss provision to net charge-offs | 173.0769% | 2,676 |
| Earnings coverage of net charge-offs (x) | 4.6540% | 3,054 |
| Efficiency ratio | 72.5000% | 4,150 |
| Assets per employee ($millions) | 4.1530% | 3,455 |
| Cash dividends to net income (ytd only)* | 13.4333% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 4,041 |
| Loan loss allowance to noncurrent loans | 29.1667% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 3.0821% | 2,225 |
| Noncurrent loans to loans | 4.7384% | 1,444 |
| Net loans and leases to total assets | 64.1464% | 4,835 |
| Net loans and leases to deposits | 74.1855% | 5,342 |
| Net loans and leases to core deposits | 83.7941% | 6,055 |
| Total domestic deposits to total assets | 86.4676% | 2,443 |
| Equity capital to assets | 10.0329% | 4,052 |
| Core capital (leverage) ratio | 10.0753% | 3,204 |
| Tier 1 risk-based capital ratio | 13.5688% | 3,800 |
| Total risk-based capital ratio | 14.7898% | 3,755 |
| Memoranda: | ||
| Average total assets | $36,910,500 | 7,278 |
| Average earning assets | $33,844,750 | 7,257 |
| Average equity | $3,678,250 | 7,452 |
| Average total loans | $23,990,000 | 7,034 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0642% | 6,567 |
| Cost of funding earning assets | 2.1366% | 3,103 |
| Net interest margin | 2.9275% | 6,741 |
| Noninterest income to average assets | 0.4353% | 4,980 |
| Noninterest expense to average assets | 2.4214% | 6,397 |
| Loan and lease loss provision to assets | 0.3265% | 3,982 |
| Net operating income to assets | 0.3537% | 4,670 |
| Return on assets (ROA) | 0.3537% | 4,780 |
| Pretax return on assets | 0.3863% | 4,971 |
| Return on Equity (ROE) | 3.5574% | 4,683 |
| Retained earnings to average equity (ytd only) | 2.5723% | 3,895 |
| Net charge-offs to loans | 0.1842% | 4,416 |
| Credit loss provision to net charge-offs | 272.7273% | 1,712 |
| Earnings coverage of net charge-offs (x) | 5.9545% | 2,719 |
| Efficiency ratio | 77.2569% | 3,462 |
| Assets per employee ($millions) | 4.1259% | 3,442 |
| Cash dividends to net income (ytd only)* | 27.6923% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 3,711 |
| Loan loss allowance to noncurrent loans | 29.9732% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 3.0189% | 2,101 |
| Noncurrent loans to loans | 4.6763% | 1,356 |
| Net loans and leases to total assets | 63.6523% | 5,054 |
| Net loans and leases to deposits | 72.7620% | 5,639 |
| Net loans and leases to core deposits | 80.9120% | 6,329 |
| Total domestic deposits to total assets | 87.4801% | 2,025 |
| Equity capital to assets | 9.9130% | 4,063 |
| Core capital (leverage) ratio | 9.8909% | 3,404 |
| Tier 1 risk-based capital ratio | 14.8955% | 3,064 |
| Total risk-based capital ratio | 16.1477% | 3,001 |
| Memoranda: | ||
| Average total assets | $36,755,000 | 7,350 |
| Average earning assets | $33,885,000 | 7,321 |
| Average equity | $3,654,330 | 7,520 |
| Average total loans | $23,882,670 | 7,094 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1208% | 6,590 |
| Cost of funding earning assets | 2.1846% | 3,242 |
| Net interest margin | 2.9363% | 6,652 |
| Noninterest income to average assets | 0.4157% | 5,089 |
| Noninterest expense to average assets | 2.2863% | 6,581 |
| Loan and lease loss provision to assets | 0.3282% | 3,354 |
| Net operating income to assets | 0.3938% | 4,880 |
| Return on assets (ROA) | 0.3938% | 5,057 |
| Pretax return on assets | 0.5360% | 4,959 |
| Return on Equity (ROE) | 3.9550% | 4,952 |
| Retained earnings to average equity (ytd only) | 1.9775% | 4,757 |
| Net charge-offs to loans | -0.2181% | 8,022 |
| Credit loss provision to net charge-offs | -230.7692% | 6,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5694% | 4,093 |
| Assets per employee ($millions) | 4.1362% | 3,388 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 3,410 |
| Loan loss allowance to noncurrent loans | 66.7319% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.3727% | 3,904 |
| Noncurrent loans to loans | 2.1233% | 3,085 |
| Net loans and leases to total assets | 63.7323% | 5,036 |
| Net loans and leases to deposits | 72.9865% | 5,616 |
| Net loans and leases to core deposits | 81.0335% | 6,308 |
| Total domestic deposits to total assets | 87.3207% | 2,056 |
| Equity capital to assets | 9.7996% | 4,240 |
| Core capital (leverage) ratio | 9.9890% | 3,425 |
| Tier 1 risk-based capital ratio | 14.8420% | 3,140 |
| Total risk-based capital ratio | 16.0952% | 3,064 |
| Memoranda: | ||
| Average total assets | $36,566,000 | 7,394 |
| Average earning assets | $34,057,000 | 7,352 |
| Average equity | $3,641,000 | 7,579 |
| Average total loans | $23,838,000 | 7,143 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0457% | 5,319 |
| Cost of funding earning assets | 2.7552% | 2,902 |
| Net interest margin | 3.2905% | 6,071 |
| Noninterest income to average assets | 0.5284% | 4,400 |
| Noninterest expense to average assets | 2.4941% | 6,034 |
| Loan and lease loss provision to assets | 0.0906% | 6,250 |
| Net operating income to assets | 0.7754% | 3,546 |
| Return on assets (ROA) | 0.7730% | 3,395 |
| Pretax return on assets | 0.9663% | 3,499 |
| Return on Equity (ROE) | 7.2497% | 3,400 |
| Retained earnings to average equity (ytd only) | 5.7204% | 1,656 |
| Net charge-offs to loans | 0.2502% | 3,772 |
| Credit loss provision to net charge-offs | 51.7241% | 6,333 |
| Earnings coverage of net charge-offs (x) | 6.0517% | 3,455 |
| Efficiency ratio | 70.1784% | 4,319 |
| Assets per employee ($millions) | 3.9896% | 3,539 |
| Cash dividends to net income (ytd only)* | 21.0938% | 4,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 4,035 |
| Loan loss allowance to noncurrent loans | 147.5248% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 5,498 |
| Noncurrent loans to loans | 0.8556% | 4,911 |
| Net loans and leases to total assets | 64.9251% | 5,077 |
| Net loans and leases to deposits | 75.2121% | 5,701 |
| Net loans and leases to core deposits | 83.9376% | 6,296 |
| Total domestic deposits to total assets | 86.3226% | 2,254 |
| Equity capital to assets | 10.1209% | 3,898 |
| Core capital (leverage) ratio | 10.4684% | 3,000 |
| Tier 1 risk-based capital ratio | 15.0355% | 3,027 |
| Total risk-based capital ratio | 16.2739% | 2,947 |
| Memoranda: | ||
| Average total assets | $33,117,600 | 7,502 |
| Average earning assets | $30,451,200 | 7,493 |
| Average equity | $3,531,200 | 7,667 |
| Average total loans | $23,182,400 | 7,127 |