Home > Farmers State Bank of Watkins > Performance and Condition Ratios
Farmers State Bank of Watkins, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,710 |
| Cost of funding earning assets | 0.3775% | 4,435 |
| Net interest margin | 3.6520% | 2,501 |
| Noninterest income to average assets | 0.5498% | 2,283 |
| Noninterest expense to average assets | 4.5203% | 300 |
| Loan and lease loss provision to assets | 0.6894% | 387 |
| Net operating income to assets | -1.2828% | 5,012 |
| Return on assets (ROA) | -1.1519% | 4,985 |
| Pretax return on assets | -1.1519% | 4,968 |
| Return on Equity (ROE) | -9.1200% | 4,989 |
| Retained earnings to average equity (ytd only) | -38.4835% | 5,066 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1111% | 120 |
| Assets per employee ($millions) | 4.9966% | 2,655 |
| Cash dividends to net income (ytd only)* | -321.9697% | 5,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,219 |
| Loan loss allowance to noncurrent loans | 151.8692% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 2,574 |
| Noncurrent loans to loans | 1.0147% | 1,633 |
| Net loans and leases to total assets | 46.1763% | 4,417 |
| Net loans and leases to deposits | 53.0531% | 4,488 |
| Net loans and leases to core deposits | 54.3188% | 4,560 |
| Total domestic deposits to total assets | 87.0377% | 1,537 |
| Equity capital to assets | 12.2640% | 1,872 |
| Core capital (leverage) ratio | 11.4589% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7649% | 579 |
| Memoranda: | ||
| Average total assets | $45,838,000 | 4,771 |
| Average earning assets | $42,387,500 | 4,774 |
| Average equity | $5,789,500 | 4,751 |
| Average total loans | $21,229,500 | 4,781 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 3,418 |
| Cost of funding earning assets | 0.3638% | 4,558 |
| Net interest margin | 3.9764% | 1,921 |
| Noninterest income to average assets | 0.6582% | 1,974 |
| Noninterest expense to average assets | 2.6440% | 3,050 |
| Loan and lease loss provision to assets | 0.0295% | 3,422 |
| Net operating income to assets | 1.5819% | 870 |
| Return on assets (ROA) | 1.5819% | 925 |
| Pretax return on assets | 1.5819% | 1,536 |
| Return on Equity (ROE) | 12.3547% | 1,381 |
| Retained earnings to average equity (ytd only) | 4.3427% | 2,792 |
| Net charge-offs to loans | 0.0525% | 2,363 |
| Credit loss provision to net charge-offs | 118.1818% | 2,143 |
| Earnings coverage of net charge-offs (x) | 64.5455% | 939 |
| Efficiency ratio | 62.1333% | 3,355 |
| Assets per employee ($millions) | 5.1897% | 2,349 |
| Cash dividends to net income (ytd only)* | 64.8494% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 2,686 |
| Loan loss allowance to noncurrent loans | 132.9730% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 2,814 |
| Noncurrent loans to loans | 0.8657% | 1,777 |
| Net loans and leases to total assets | 45.2245% | 4,549 |
| Net loans and leases to deposits | 52.3702% | 4,594 |
| Net loans and leases to core deposits | 53.5763% | 4,659 |
| Total domestic deposits to total assets | 86.3554% | 1,908 |
| Equity capital to assets | 12.9831% | 1,535 |
| Core capital (leverage) ratio | 12.6939% | 1,378 |
| Tier 1 risk-based capital ratio | 23.2294% | 896 |
| Total risk-based capital ratio | 24.2143% | 896 |
| Memoranda: | ||
| Average total assets | $44,061,800 | 4,844 |
| Average earning assets | $39,860,200 | 4,843 |
| Average equity | $5,641,600 | 4,805 |
| Average total loans | $20,968,000 | 4,838 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 3,306 |
| Cost of funding earning assets | 0.3652% | 4,614 |
| Net interest margin | 4.0484% | 1,771 |
| Noninterest income to average assets | 0.6267% | 2,083 |
| Noninterest expense to average assets | 2.6174% | 3,116 |
| Loan and lease loss provision to assets | 0.0246% | 3,401 |
| Net operating income to assets | 1.6282% | 866 |
| Return on assets (ROA) | 1.6282% | 910 |
| Pretax return on assets | 1.6282% | 1,534 |
| Return on Equity (ROE) | 12.7646% | 1,364 |
| Retained earnings to average equity (ytd only) | 4.3351% | 3,227 |
| Net charge-offs to loans | 0.0192% | 2,737 |
| Credit loss provision to net charge-offs | 266.6667% | 1,039 |
| Earnings coverage of net charge-offs (x) | 179.3300% | 473 |
| Efficiency ratio | 61.2950% | 3,437 |
| Assets per employee ($millions) | 4.8289% | 2,755 |
| Cash dividends to net income (ytd only)* | 66.0383% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 2,709 |
| Loan loss allowance to noncurrent loans | 185.8209% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 3,312 |
| Noncurrent loans to loans | 0.6251% | 2,409 |
| Net loans and leases to total assets | 48.7506% | 4,490 |
| Net loans and leases to deposits | 57.1540% | 4,506 |
| Net loans and leases to core deposits | 58.5843% | 4,583 |
| Total domestic deposits to total assets | 85.2968% | 2,299 |
| Equity capital to assets | 13.8058% | 1,227 |
| Core capital (leverage) ratio | 13.4064% | 1,167 |
| Tier 1 risk-based capital ratio | 23.3944% | 909 |
| Total risk-based capital ratio | 24.4097% | 912 |
| Memoranda: | ||
| Average total assets | $43,400,500 | 4,916 |
| Average earning assets | $39,059,750 | 4,927 |
| Average equity | $5,536,000 | 4,885 |
| Average total loans | $20,867,750 | 4,915 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4105% | 3,300 |
| Cost of funding earning assets | 0.3602% | 4,653 |
| Net interest margin | 4.0502% | 1,762 |
| Noninterest income to average assets | 0.6132% | 2,088 |
| Noninterest expense to average assets | 2.6233% | 3,137 |
| Loan and lease loss provision to assets | 0.0369% | 3,076 |
| Net operating income to assets | 1.5813% | 946 |
| Return on assets (ROA) | 1.5813% | 985 |
| Pretax return on assets | 1.5813% | 1,603 |
| Return on Equity (ROE) | 12.7478% | 1,321 |
| Retained earnings to average equity (ytd only) | 1.0778% | 4,413 |
| Net charge-offs to loans | 0.0193% | 2,483 |
| Credit loss provision to net charge-offs | 400.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 175.5000% | 432 |
| Efficiency ratio | 61.8478% | 3,455 |
| Assets per employee ($millions) | 4.7764% | 2,770 |
| Cash dividends to net income (ytd only)* | 91.5452% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,624 |
| Loan loss allowance to noncurrent loans | 97.6563% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 2,236 |
| Noncurrent loans to loans | 1.2089% | 1,323 |
| Net loans and leases to total assets | 48.6787% | 4,537 |
| Net loans and leases to deposits | 56.7023% | 4,568 |
| Net loans and leases to core deposits | 58.1213% | 4,638 |
| Total domestic deposits to total assets | 85.8495% | 2,112 |
| Equity capital to assets | 13.3177% | 1,427 |
| Core capital (leverage) ratio | 12.9368% | 1,326 |
| Tier 1 risk-based capital ratio | 22.5843% | 986 |
| Total risk-based capital ratio | 23.5951% | 1,000 |
| Memoranda: | ||
| Average total assets | $43,380,670 | 4,961 |
| Average earning assets | $38,862,000 | 4,969 |
| Average equity | $5,381,330 | 4,938 |
| Average total loans | $20,678,330 | 4,962 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 3,258 |
| Cost of funding earning assets | 0.3418% | 4,703 |
| Net interest margin | 4.0498% | 1,687 |
| Noninterest income to average assets | 0.6334% | 1,893 |
| Noninterest expense to average assets | 2.4141% | 3,735 |
| Loan and lease loss provision to assets | 0.0734% | 2,205 |
| Net operating income to assets | 1.7349% | 686 |
| Return on assets (ROA) | 1.7349% | 706 |
| Pretax return on assets | 1.7349% | 1,128 |
| Return on Equity (ROE) | 14.5119% | 854 |
| Retained earnings to average equity (ytd only) | -3.9159% | 4,860 |
| Net charge-offs to loans | 0.0587% | 1,453 |
| Credit loss provision to net charge-offs | 266.6667% | 888 |
| Earnings coverage of net charge-offs (x) | 65.6667% | 875 |
| Efficiency ratio | 57.1739% | 4,192 |
| Assets per employee ($millions) | 4.8653% | 2,683 |
| Cash dividends to net income (ytd only)* | 126.9841% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 2,432 |
| Loan loss allowance to noncurrent loans | 200.8065% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 3,467 |
| Noncurrent loans to loans | 0.6119% | 2,503 |
| Net loans and leases to total assets | 45.7089% | 4,681 |
| Net loans and leases to deposits | 52.4337% | 4,737 |
| Net loans and leases to core deposits | 53.6998% | 4,793 |
| Total domestic deposits to total assets | 87.1746% | 1,731 |
| Equity capital to assets | 12.0946% | 1,967 |
| Core capital (leverage) ratio | 12.9191% | 1,311 |
| Tier 1 risk-based capital ratio | 23.3206% | 905 |
| Total risk-based capital ratio | 24.3753% | 899 |
| Memoranda: | ||
| Average total assets | $43,577,000 | 5,009 |
| Average earning assets | $38,619,500 | 5,023 |
| Average equity | $5,209,500 | 5,001 |
| Average total loans | $20,429,500 | 5,030 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 3,416 |
| Cost of funding earning assets | 0.2787% | 4,663 |
| Net interest margin | 3.9304% | 2,225 |
| Noninterest income to average assets | 0.6492% | 2,051 |
| Noninterest expense to average assets | 2.7028% | 3,015 |
| Loan and lease loss provision to assets | 0.1036% | 2,123 |
| Net operating income to assets | 1.3169% | 1,737 |
| Return on assets (ROA) | 1.2731% | 1,901 |
| Pretax return on assets | 1.2731% | 2,603 |
| Return on Equity (ROE) | 11.0494% | 2,064 |
| Retained earnings to average equity (ytd only) | 2.8972% | 3,951 |
| Net charge-offs to loans | 0.2601% | 742 |
| Credit loss provision to net charge-offs | 84.9057% | 2,788 |
| Earnings coverage of net charge-offs (x) | 11.6415% | 2,611 |
| Efficiency ratio | 65.5500% | 2,941 |
| Assets per employee ($millions) | 4.8184% | 2,713 |
| Cash dividends to net income (ytd only)* | 73.7794% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 2,626 |
| Loan loss allowance to noncurrent loans | 77.0440% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7633% | 1,833 |
| Noncurrent loans to loans | 1.5441% | 970 |
| Net loans and leases to total assets | 46.9262% | 4,699 |
| Net loans and leases to deposits | 53.6091% | 4,765 |
| Net loans and leases to core deposits | 54.9065% | 4,815 |
| Total domestic deposits to total assets | 87.5340% | 1,519 |
| Equity capital to assets | 11.8134% | 2,021 |
| Core capital (leverage) ratio | 13.2914% | 1,147 |
| Tier 1 risk-based capital ratio | 23.2258% | 893 |
| Total risk-based capital ratio | 24.2498% | 889 |
| Memoranda: | ||
| Average total assets | $43,436,600 | 5,056 |
| Average earning assets | $38,393,400 | 5,067 |
| Average equity | $5,004,800 | 5,050 |
| Average total loans | $20,373,200 | 5,065 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1186% | 3,570 |
| Cost of funding earning assets | 0.2649% | 4,705 |
| Net interest margin | 3.8537% | 2,462 |
| Noninterest income to average assets | 0.6382% | 2,126 |
| Noninterest expense to average assets | 2.7277% | 2,889 |
| Loan and lease loss provision to assets | 0.0706% | 2,552 |
| Net operating income to assets | 1.2764% | 1,947 |
| Return on assets (ROA) | 1.2764% | 1,949 |
| Pretax return on assets | 1.2764% | 2,703 |
| Return on Equity (ROE) | 11.1482% | 2,117 |
| Retained earnings to average equity (ytd only) | 1.8222% | 4,630 |
| Net charge-offs to loans | 0.3084% | 537 |
| Credit loss provision to net charge-offs | 48.9362% | 2,838 |
| Earnings coverage of net charge-offs (x) | 9.3397% | 2,648 |
| Efficiency ratio | 66.9428% | 2,720 |
| Assets per employee ($millions) | 4.6357% | 2,938 |
| Cash dividends to net income (ytd only)* | 83.6546% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 3,366 |
| Loan loss allowance to noncurrent loans | 52.2936% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.1649% | 1,216 |
| Noncurrent loans to loans | 2.0425% | 708 |
| Net loans and leases to total assets | 50.6172% | 4,553 |
| Net loans and leases to deposits | 57.9147% | 4,648 |
| Net loans and leases to core deposits | 59.3719% | 4,727 |
| Total domestic deposits to total assets | 87.3996% | 1,546 |
| Equity capital to assets | 11.7327% | 2,081 |
| Core capital (leverage) ratio | 13.0896% | 1,241 |
| Tier 1 risk-based capital ratio | 22.1204% | 1,035 |
| Total risk-based capital ratio | 23.0406% | 1,060 |
| Memoranda: | ||
| Average total assets | $43,454,250 | 5,117 |
| Average earning assets | $38,750,000 | 5,124 |
| Average equity | $4,975,250 | 5,116 |
| Average total loans | $20,317,750 | 5,126 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 3,732 |
| Cost of funding earning assets | 0.2610% | 4,697 |
| Net interest margin | 3.7560% | 2,726 |
| Noninterest income to average assets | 0.7040% | 1,856 |
| Noninterest expense to average assets | 2.6662% | 3,115 |
| Loan and lease loss provision to assets | 0.0681% | 2,518 |
| Net operating income to assets | 1.3036% | 1,758 |
| Return on assets (ROA) | 1.3036% | 1,753 |
| Pretax return on assets | 1.3036% | 2,497 |
| Return on Equity (ROE) | 11.4754% | 1,918 |
| Retained earnings to average equity (ytd only) | -0.8796% | 5,061 |
| Net charge-offs to loans | -0.0100% | 4,317 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0292% | 2,974 |
| Assets per employee ($millions) | 4.6356% | 2,913 |
| Cash dividends to net income (ytd only)* | 107.6655% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 2,221 |
| Loan loss allowance to noncurrent loans | 52.2417% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.3423% | 1,044 |
| Noncurrent loans to loans | 2.4667% | 529 |
| Net loans and leases to total assets | 49.2066% | 4,651 |
| Net loans and leases to deposits | 56.2546% | 4,738 |
| Net loans and leases to core deposits | 57.6641% | 4,806 |
| Total domestic deposits to total assets | 87.4712% | 1,657 |
| Equity capital to assets | 11.7378% | 2,030 |
| Core capital (leverage) ratio | 12.9710% | 1,228 |
| Tier 1 risk-based capital ratio | 21.6350% | 1,081 |
| Total risk-based capital ratio | 22.7105% | 1,082 |
| Memoranda: | ||
| Average total assets | $44,032,000 | 5,168 |
| Average earning assets | $39,083,670 | 5,177 |
| Average equity | $5,002,000 | 5,161 |
| Average total loans | $19,975,000 | 5,196 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 3,811 |
| Cost of funding earning assets | 0.2621% | 4,637 |
| Net interest margin | 3.6796% | 2,883 |
| Noninterest income to average assets | 0.8055% | 1,434 |
| Noninterest expense to average assets | 2.4962% | 3,659 |
| Loan and lease loss provision to assets | 0.0708% | 2,346 |
| Net operating income to assets | 1.4694% | 1,152 |
| Return on assets (ROA) | 1.4694% | 1,151 |
| Pretax return on assets | 1.4694% | 1,767 |
| Return on Equity (ROE) | 13.1368% | 1,224 |
| Retained earnings to average equity (ytd only) | -4.9065% | 5,198 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8421% | 3,813 |
| Assets per employee ($millions) | 4.9101% | 2,594 |
| Cash dividends to net income (ytd only)* | 137.3494% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 1,911 |
| Loan loss allowance to noncurrent loans | 54.7368% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.1405% | 1,352 |
| Noncurrent loans to loans | 2.5240% | 538 |
| Net loans and leases to total assets | 41.9972% | 4,981 |
| Net loans and leases to deposits | 47.5762% | 5,053 |
| Net loans and leases to core deposits | 48.6883% | 5,081 |
| Total domestic deposits to total assets | 88.2736% | 1,474 |
| Equity capital to assets | 11.0475% | 2,538 |
| Core capital (leverage) ratio | 12.1443% | 1,559 |
| Tier 1 risk-based capital ratio | 22.7915% | 961 |
| Total risk-based capital ratio | 23.8990% | 955 |
| Memoranda: | ||
| Average total assets | $45,188,000 | 5,206 |
| Average earning assets | $39,678,000 | 5,228 |
| Average equity | $5,054,500 | 5,210 |
| Average total loans | $19,564,000 | 5,266 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9947% | 3,418 |
| Cost of funding earning assets | 0.2772% | 4,347 |
| Net interest margin | 3.7175% | 2,729 |
| Noninterest income to average assets | 0.5987% | 2,455 |
| Noninterest expense to average assets | 2.5636% | 3,569 |
| Loan and lease loss provision to assets | 0.0900% | 2,390 |
| Net operating income to assets | 1.1141% | 1,814 |
| Return on assets (ROA) | 1.1411% | 1,745 |
| Pretax return on assets | 1.1411% | 3,018 |
| Return on Equity (ROE) | 9.7455% | 2,002 |
| Retained earnings to average equity (ytd only) | 1.8837% | 4,184 |
| Net charge-offs to loans | 0.3705% | 687 |
| Credit loss provision to net charge-offs | 53.3333% | 3,293 |
| Earnings coverage of net charge-offs (x) | 7.1333% | 3,087 |
| Efficiency ratio | 68.0406% | 2,887 |
| Assets per employee ($millions) | 5.1317% | 2,330 |
| Cash dividends to net income (ytd only)* | 80.6706% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,528 |
| Loan loss allowance to noncurrent loans | 37.7811% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.6759% | 772 |
| Noncurrent loans to loans | 3.2843% | 316 |
| Net loans and leases to total assets | 43.4275% | 5,005 |
| Net loans and leases to deposits | 49.2886% | 5,086 |
| Net loans and leases to core deposits | 50.3894% | 5,121 |
| Total domestic deposits to total assets | 88.1087% | 1,436 |
| Equity capital to assets | 11.3175% | 2,351 |
| Core capital (leverage) ratio | 12.1026% | 1,551 |
| Tier 1 risk-based capital ratio | 21.5632% | 1,064 |
| Total risk-based capital ratio | 22.5670% | 1,072 |
| Memoranda: | ||
| Average total assets | $44,429,800 | 5,265 |
| Average earning assets | $37,875,400 | 5,306 |
| Average equity | $5,202,400 | 5,234 |
| Average total loans | $20,243,000 | 5,307 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 3,367 |
| Cost of funding earning assets | 0.2777% | 4,344 |
| Net interest margin | 3.7203% | 2,686 |
| Noninterest income to average assets | 0.5910% | 2,529 |
| Noninterest expense to average assets | 2.5702% | 3,500 |
| Loan and lease loss provision to assets | 0.0727% | 2,615 |
| Net operating income to assets | 1.1153% | 2,017 |
| Return on assets (ROA) | 1.1517% | 1,923 |
| Pretax return on assets | 1.1517% | 3,106 |
| Return on Equity (ROE) | 9.7503% | 2,231 |
| Retained earnings to average equity (ytd only) | -0.7442% | 5,323 |
| Net charge-offs to loans | 0.2901% | 739 |
| Credit loss provision to net charge-offs | 54.5455% | 2,862 |
| Earnings coverage of net charge-offs (x) | 8.9083% | 2,731 |
| Efficiency ratio | 68.3871% | 2,802 |
| Assets per employee ($millions) | 4.8689% | 2,609 |
| Cash dividends to net income (ytd only)* | 107.6325% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 2,371 |
| Loan loss allowance to noncurrent loans | 40.9509% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.7344% | 820 |
| Noncurrent loans to loans | 3.1650% | 377 |
| Net loans and leases to total assets | 46.4012% | 4,916 |
| Net loans and leases to deposits | 53.2124% | 4,996 |
| Net loans and leases to core deposits | 54.4770% | 5,056 |
| Total domestic deposits to total assets | 87.1999% | 1,773 |
| Equity capital to assets | 11.9831% | 1,977 |
| Core capital (leverage) ratio | 12.1520% | 1,601 |
| Tier 1 risk-based capital ratio | 21.3642% | 1,130 |
| Total risk-based capital ratio | 22.4426% | 1,148 |
| Memoranda: | ||
| Average total assets | $43,991,000 | 5,334 |
| Average earning assets | $37,451,000 | 5,370 |
| Average equity | $5,196,250 | 5,293 |
| Average total loans | $20,226,500 | 5,361 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 3,252 |
| Cost of funding earning assets | 0.2801% | 4,287 |
| Net interest margin | 3.7060% | 2,636 |
| Noninterest income to average assets | 0.6084% | 2,417 |
| Noninterest expense to average assets | 2.5699% | 3,527 |
| Loan and lease loss provision to assets | 0.0681% | 2,608 |
| Net operating income to assets | 1.0943% | 2,006 |
| Return on assets (ROA) | 1.0943% | 2,064 |
| Pretax return on assets | 1.0943% | 3,206 |
| Return on Equity (ROE) | 9.3086% | 2,358 |
| Retained earnings to average equity (ytd only) | -4.1329% | 5,497 |
| Net charge-offs to loans | 0.3383% | 595 |
| Credit loss provision to net charge-offs | 44.1176% | 2,610 |
| Earnings coverage of net charge-offs (x) | 7.5294% | 2,596 |
| Efficiency ratio | 68.8564% | 2,866 |
| Assets per employee ($millions) | 4.8177% | 2,621 |
| Cash dividends to net income (ytd only)* | 144.3983% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 2,348 |
| Loan loss allowance to noncurrent loans | 36.7123% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 1.9350% | 674 |
| Noncurrent loans to loans | 3.5744% | 307 |
| Net loans and leases to total assets | 46.4840% | 4,924 |
| Net loans and leases to deposits | 53.3356% | 4,999 |
| Net loans and leases to core deposits | 54.6147% | 5,065 |
| Total domestic deposits to total assets | 87.1538% | 1,878 |
| Equity capital to assets | 12.1013% | 1,861 |
| Core capital (leverage) ratio | 12.0423% | 1,609 |
| Tier 1 risk-based capital ratio | 21.2853% | 1,146 |
| Total risk-based capital ratio | 22.3802% | 1,140 |
| Memoranda: | ||
| Average total assets | $44,048,000 | 5,367 |
| Average earning assets | $37,129,330 | 5,415 |
| Average equity | $5,178,000 | 5,332 |
| Average total loans | $20,102,000 | 5,408 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9849% | 3,097 |
| Cost of funding earning assets | 0.2752% | 4,300 |
| Net interest margin | 3.7097% | 2,456 |
| Noninterest income to average assets | 0.6037% | 2,393 |
| Noninterest expense to average assets | 2.3067% | 4,393 |
| Loan and lease loss provision to assets | 0.0811% | 2,194 |
| Net operating income to assets | 1.2525% | 1,371 |
| Return on assets (ROA) | 1.2525% | 1,404 |
| Pretax return on assets | 1.2525% | 2,408 |
| Return on Equity (ROE) | 10.8098% | 1,639 |
| Retained earnings to average equity (ytd only) | -6.9214% | 5,485 |
| Net charge-offs to loans | 0.2808% | 643 |
| Credit loss provision to net charge-offs | 64.2857% | 1,876 |
| Earnings coverage of net charge-offs (x) | 10.5714% | 1,932 |
| Efficiency ratio | 63.3663% | 3,933 |
| Assets per employee ($millions) | 4.8873% | 2,590 |
| Cash dividends to net income (ytd only)* | 164.0288% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,947 |
| Loan loss allowance to noncurrent loans | 40.7514% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.8233% | 769 |
| Noncurrent loans to loans | 3.5088% | 345 |
| Net loans and leases to total assets | 44.1959% | 5,029 |
| Net loans and leases to deposits | 50.3810% | 5,110 |
| Net loans and leases to core deposits | 51.5609% | 5,163 |
| Total domestic deposits to total assets | 87.7234% | 1,876 |
| Equity capital to assets | 11.6242% | 2,096 |
| Core capital (leverage) ratio | 11.9736% | 1,647 |
| Tier 1 risk-based capital ratio | 21.7052% | 1,120 |
| Total risk-based capital ratio | 22.8758% | 1,107 |
| Memoranda: | ||
| Average total assets | $44,392,500 | 5,416 |
| Average earning assets | $36,337,000 | 5,489 |
| Average equity | $5,143,500 | 5,390 |
| Average total loans | $19,941,500 | 5,467 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 2,124 |
| Cost of funding earning assets | 0.2958% | 4,111 |
| Net interest margin | 4.0087% | 1,613 |
| Noninterest income to average assets | 0.5631% | 2,850 |
| Noninterest expense to average assets | 2.6408% | 3,558 |
| Loan and lease loss provision to assets | 0.0884% | 2,597 |
| Net operating income to assets | 1.2076% | 1,483 |
| Return on assets (ROA) | 1.2285% | 1,503 |
| Pretax return on assets | 1.2285% | 2,557 |
| Return on Equity (ROE) | 9.9121% | 1,993 |
| Retained earnings to average equity (ytd only) | 0.8823% | 4,970 |
| Net charge-offs to loans | 0.1246% | 2,004 |
| Credit loss provision to net charge-offs | 140.7407% | 1,947 |
| Earnings coverage of net charge-offs (x) | 20.6296% | 1,841 |
| Efficiency ratio | 67.0804% | 3,424 |
| Assets per employee ($millions) | 4.9777% | 2,422 |
| Cash dividends to net income (ytd only)* | 91.0985% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 1,991 |
| Loan loss allowance to noncurrent loans | 49.6540% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 1.5402% | 1,060 |
| Noncurrent loans to loans | 2.8669% | 492 |
| Net loans and leases to total assets | 44.3626% | 5,091 |
| Net loans and leases to deposits | 50.4775% | 5,186 |
| Net loans and leases to core deposits | 51.6328% | 5,247 |
| Total domestic deposits to total assets | 87.8859% | 1,686 |
| Equity capital to assets | 11.5494% | 2,124 |
| Core capital (leverage) ratio | 12.0067% | 1,595 |
| Tier 1 risk-based capital ratio | 20.9667% | 1,213 |
| Total risk-based capital ratio | 22.0982% | 1,211 |
| Memoranda: | ||
| Average total assets | $42,979,200 | 5,488 |
| Average earning assets | $36,171,400 | 5,540 |
| Average equity | $5,326,800 | 5,407 |
| Average total loans | $21,668,000 | 5,457 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3863% | 1,902 |
| Cost of funding earning assets | 0.2991% | 4,107 |
| Net interest margin | 4.0873% | 1,416 |
| Noninterest income to average assets | 0.5926% | 2,700 |
| Noninterest expense to average assets | 2.6933% | 3,370 |
| Loan and lease loss provision to assets | 0.0721% | 2,769 |
| Net operating income to assets | 1.2981% | 1,297 |
| Return on assets (ROA) | 1.3075% | 1,361 |
| Pretax return on assets | 1.3075% | 2,399 |
| Return on Equity (ROE) | 10.3633% | 1,908 |
| Retained earnings to average equity (ytd only) | -1.5905% | 5,564 |
| Net charge-offs to loans | -0.0060% | 4,655 |
| Credit loss provision to net charge-offs | -2,300.0000% | 5,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2809% | 3,545 |
| Assets per employee ($millions) | 4.9823% | 2,386 |
| Cash dividends to net income (ytd only)* | 115.3474% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 2,242 |
| Loan loss allowance to noncurrent loans | 98.6842% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.9902% | 2,094 |
| Noncurrent loans to loans | 1.4093% | 1,557 |
| Net loans and leases to total assets | 47.4365% | 4,999 |
| Net loans and leases to deposits | 54.4419% | 5,085 |
| Net loans and leases to core deposits | 55.6978% | 5,161 |
| Total domestic deposits to total assets | 87.1323% | 1,832 |
| Equity capital to assets | 12.0671% | 2,070 |
| Core capital (leverage) ratio | 12.1568% | 1,571 |
| Tier 1 risk-based capital ratio | 20.4108% | 1,375 |
| Total risk-based capital ratio | 21.5868% | 1,351 |
| Memoranda: | ||
| Average total assets | $42,524,250 | 5,554 |
| Average earning assets | $36,111,250 | 5,598 |
| Average equity | $5,365,000 | 5,454 |
| Average total loans | $22,044,750 | 5,498 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4262% | 1,757 |
| Cost of funding earning assets | 0.3018% | 4,107 |
| Net interest margin | 4.1244% | 1,313 |
| Noninterest income to average assets | 0.6084% | 2,574 |
| Noninterest expense to average assets | 2.7208% | 3,309 |
| Loan and lease loss provision to assets | 0.0719% | 2,701 |
| Net operating income to assets | 1.3508% | 1,167 |
| Return on assets (ROA) | 1.3700% | 1,190 |
| Pretax return on assets | 1.3700% | 2,132 |
| Return on Equity (ROE) | 10.6922% | 1,767 |
| Retained earnings to average equity (ytd only) | -4.7106% | 5,738 |
| Net charge-offs to loans | -0.0360% | 5,217 |
| Credit loss provision to net charge-offs | -375.0000% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6647% | 3,736 |
| Assets per employee ($millions) | 4.6113% | 2,852 |
| Cash dividends to net income (ytd only)* | 144.0559% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 2,649 |
| Loan loss allowance to noncurrent loans | 114.7860% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9662% | 2,216 |
| Noncurrent loans to loans | 1.1541% | 1,988 |
| Net loans and leases to total assets | 52.9444% | 4,596 |
| Net loans and leases to deposits | 61.3377% | 4,707 |
| Net loans and leases to core deposits | 62.8770% | 4,820 |
| Total domestic deposits to total assets | 86.3163% | 2,256 |
| Equity capital to assets | 12.9174% | 1,555 |
| Core capital (leverage) ratio | 12.4489% | 1,384 |
| Tier 1 risk-based capital ratio | 20.0796% | 1,446 |
| Total risk-based capital ratio | 21.2312% | 1,422 |
| Memoranda: | ||
| Average total assets | $41,752,000 | 5,628 |
| Average earning assets | $35,786,670 | 5,668 |
| Average equity | $5,349,670 | 5,510 |
| Average total loans | $22,202,670 | 5,557 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4412% | 1,680 |
| Cost of funding earning assets | 0.3020% | 4,143 |
| Net interest margin | 4.1391% | 1,238 |
| Noninterest income to average assets | 0.6782% | 2,144 |
| Noninterest expense to average assets | 2.7414% | 3,268 |
| Loan and lease loss provision to assets | 0.0860% | 2,246 |
| Net operating income to assets | 1.3850% | 1,070 |
| Return on assets (ROA) | 1.3850% | 1,126 |
| Pretax return on assets | 1.3850% | 1,944 |
| Return on Equity (ROE) | 10.8533% | 1,650 |
| Retained earnings to average equity (ytd only) | -9.7305% | 5,798 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0794% | 3,963 |
| Assets per employee ($millions) | 4.6341% | 2,845 |
| Cash dividends to net income (ytd only)* | 189.6552% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 2,867 |
| Loan loss allowance to noncurrent loans | 107.9545% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.9830% | 2,252 |
| Noncurrent loans to loans | 1.2103% | 2,006 |
| Net loans and leases to total assets | 51.6172% | 4,662 |
| Net loans and leases to deposits | 59.5766% | 4,745 |
| Net loans and leases to core deposits | 61.0568% | 4,871 |
| Total domestic deposits to total assets | 86.6401% | 2,387 |
| Equity capital to assets | 12.7029% | 1,559 |
| Core capital (leverage) ratio | 12.5177% | 1,332 |
| Tier 1 risk-based capital ratio | 20.0366% | 1,491 |
| Total risk-based capital ratio | 21.1476% | 1,494 |
| Memoranda: | ||
| Average total assets | $41,877,000 | 5,677 |
| Average earning assets | $35,756,500 | 5,724 |
| Average equity | $5,344,000 | 5,542 |
| Average total loans | $22,170,000 | 5,609 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 1,324 |
| Cost of funding earning assets | 0.3192% | 4,042 |
| Net interest margin | 4.2835% | 994 |
| Noninterest income to average assets | 0.6702% | 2,340 |
| Noninterest expense to average assets | 2.7864% | 3,294 |
| Loan and lease loss provision to assets | 0.0985% | 2,342 |
| Net operating income to assets | 1.4917% | 882 |
| Return on assets (ROA) | 1.4917% | 912 |
| Pretax return on assets | 1.4917% | 1,584 |
| Return on Equity (ROE) | 11.6288% | 1,399 |
| Retained earnings to average equity (ytd only) | 1.4606% | 4,894 |
| Net charge-offs to loans | 0.1629% | 1,735 |
| Credit loss provision to net charge-offs | 110.8108% | 2,281 |
| Earnings coverage of net charge-offs (x) | 17.8919% | 2,045 |
| Efficiency ratio | 63.6663% | 4,336 |
| Assets per employee ($millions) | 4.6719% | 2,773 |
| Cash dividends to net income (ytd only)* | 87.4396% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 3,324 |
| Loan loss allowance to noncurrent loans | 122.1239% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 2,449 |
| Noncurrent loans to loans | 1.0032% | 2,334 |
| Net loans and leases to total assets | 52.9194% | 4,612 |
| Net loans and leases to deposits | 61.0888% | 4,698 |
| Net loans and leases to core deposits | 62.5907% | 4,837 |
| Total domestic deposits to total assets | 86.6269% | 2,310 |
| Equity capital to assets | 12.8190% | 1,450 |
| Core capital (leverage) ratio | 12.6988% | 1,265 |
| Tier 1 risk-based capital ratio | 20.2031% | 1,444 |
| Total risk-based capital ratio | 21.2610% | 1,457 |
| Memoranda: | ||
| Average total assets | $41,631,200 | 5,729 |
| Average earning assets | $36,022,000 | 5,762 |
| Average equity | $5,340,200 | 5,575 |
| Average total loans | $22,710,400 | 5,627 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 1,194 |
| Cost of funding earning assets | 0.3261% | 4,033 |
| Net interest margin | 4.3288% | 910 |
| Noninterest income to average assets | 0.6229% | 2,624 |
| Noninterest expense to average assets | 2.7355% | 3,445 |
| Loan and lease loss provision to assets | 0.0739% | 2,692 |
| Net operating income to assets | 1.5636% | 827 |
| Return on assets (ROA) | 1.5636% | 870 |
| Pretax return on assets | 1.5636% | 1,497 |
| Return on Equity (ROE) | 12.1875% | 1,325 |
| Retained earnings to average equity (ytd only) | 0.2754% | 5,524 |
| Net charge-offs to loans | 0.1699% | 1,462 |
| Credit loss provision to net charge-offs | 79.3103% | 2,622 |
| Earnings coverage of net charge-offs (x) | 17.5842% | 2,049 |
| Efficiency ratio | 62.5551% | 4,482 |
| Assets per employee ($millions) | 4.5979% | 2,837 |
| Cash dividends to net income (ytd only)* | 97.7407% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 3,775 |
| Loan loss allowance to noncurrent loans | 140.7407% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.8192% | 2,830 |
| Noncurrent loans to loans | 0.8368% | 2,879 |
| Net loans and leases to total assets | 53.9354% | 4,573 |
| Net loans and leases to deposits | 62.5322% | 4,678 |
| Net loans and leases to core deposits | 64.0982% | 4,810 |
| Total domestic deposits to total assets | 86.2521% | 2,409 |
| Equity capital to assets | 12.9190% | 1,490 |
| Core capital (leverage) ratio | 12.4829% | 1,427 |
| Tier 1 risk-based capital ratio | 20.0570% | 1,531 |
| Total risk-based capital ratio | 21.0822% | 1,555 |
| Memoranda: | ||
| Average total assets | $41,527,250 | 5,804 |
| Average earning assets | $35,975,000 | 5,844 |
| Average equity | $5,327,750 | 5,648 |
| Average total loans | $22,756,250 | 5,700 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 1,292 |
| Cost of funding earning assets | 0.3216% | 4,137 |
| Net interest margin | 4.2748% | 972 |
| Noninterest income to average assets | 0.6735% | 2,334 |
| Noninterest expense to average assets | 2.6939% | 3,611 |
| Loan and lease loss provision to assets | 0.0722% | 2,667 |
| Net operating income to assets | 1.6163% | 721 |
| Return on assets (ROA) | 1.6163% | 753 |
| Pretax return on assets | 1.6163% | 1,286 |
| Return on Equity (ROE) | 12.6276% | 1,191 |
| Retained earnings to average equity (ytd only) | -2.7435% | 5,902 |
| Net charge-offs to loans | 0.0263% | 3,152 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 536 |
| Efficiency ratio | 61.4709% | 4,757 |
| Assets per employee ($millions) | 4.6216% | 2,800 |
| Cash dividends to net income (ytd only)* | 121.7262% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 3,685 |
| Loan loss allowance to noncurrent loans | 579.5918% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 3,996 |
| Noncurrent loans to loans | 0.2100% | 4,930 |
| Net loans and leases to total assets | 55.4191% | 4,392 |
| Net loans and leases to deposits | 63.9843% | 4,538 |
| Net loans and leases to core deposits | 65.5678% | 4,690 |
| Total domestic deposits to total assets | 86.6135% | 2,362 |
| Equity capital to assets | 12.6581% | 1,574 |
| Core capital (leverage) ratio | 12.1690% | 1,553 |
| Tier 1 risk-based capital ratio | 19.7813% | 1,604 |
| Total risk-based capital ratio | 20.8786% | 1,605 |
| Memoranda: | ||
| Average total assets | $41,576,000 | 5,870 |
| Average earning assets | $36,071,670 | 5,902 |
| Average equity | $5,321,670 | 5,698 |
| Average total loans | $22,813,330 | 5,750 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6109% | 1,191 |
| Cost of funding earning assets | 0.3230% | 4,190 |
| Net interest margin | 4.2879% | 899 |
| Noninterest income to average assets | 0.6736% | 2,287 |
| Noninterest expense to average assets | 2.7329% | 3,474 |
| Loan and lease loss provision to assets | 0.0770% | 2,415 |
| Net operating income to assets | 1.5686% | 753 |
| Return on assets (ROA) | 1.5686% | 789 |
| Pretax return on assets | 1.5686% | 1,349 |
| Return on Equity (ROE) | 12.1869% | 1,294 |
| Retained earnings to average equity (ytd only) | -8.3738% | 6,092 |
| Net charge-offs to loans | 0.0355% | 2,503 |
| Credit loss provision to net charge-offs | 400.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 560 |
| Efficiency ratio | 62.4176% | 4,725 |
| Assets per employee ($millions) | 4.6294% | 2,862 |
| Cash dividends to net income (ytd only)* | 168.7117% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 4,021 |
| Loan loss allowance to noncurrent loans | 534.6154% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 4,009 |
| Noncurrent loans to loans | 0.2233% | 4,975 |
| Net loans and leases to total assets | 55.2334% | 4,289 |
| Net loans and leases to deposits | 63.7285% | 4,398 |
| Net loans and leases to core deposits | 65.2999% | 4,587 |
| Total domestic deposits to total assets | 86.6699% | 2,565 |
| Equity capital to assets | 12.7229% | 1,555 |
| Core capital (leverage) ratio | 12.1978% | 1,511 |
| Tier 1 risk-based capital ratio | 19.2280% | 1,806 |
| Total risk-based capital ratio | 20.2800% | 1,820 |
| Memoranda: | ||
| Average total assets | $41,567,000 | 5,927 |
| Average earning assets | $35,915,000 | 5,965 |
| Average equity | $5,350,000 | 5,745 |
| Average total loans | $22,552,500 | 5,804 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 1,279 |
| Cost of funding earning assets | 0.3357% | 4,425 |
| Net interest margin | 4.3753% | 922 |
| Noninterest income to average assets | 0.6121% | 2,787 |
| Noninterest expense to average assets | 2.7605% | 3,636 |
| Loan and lease loss provision to assets | 0.1131% | 2,284 |
| Net operating income to assets | 1.5511% | 793 |
| Return on assets (ROA) | 1.5511% | 823 |
| Pretax return on assets | 1.5511% | 1,380 |
| Return on Equity (ROE) | 11.9953% | 1,415 |
| Retained earnings to average equity (ytd only) | 0.3042% | 5,642 |
| Net charge-offs to loans | 0.1970% | 2,088 |
| Credit loss provision to net charge-offs | 109.5238% | 2,178 |
| Earnings coverage of net charge-offs (x) | 16.1190% | 2,038 |
| Efficiency ratio | 62.3889% | 4,847 |
| Assets per employee ($millions) | 4.6077% | 2,864 |
| Cash dividends to net income (ytd only)* | 97.4643% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 3,735 |
| Loan loss allowance to noncurrent loans | 261.5385% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.6342% | 3,676 |
| Noncurrent loans to loans | 0.4768% | 4,228 |
| Net loans and leases to total assets | 51.9472% | 4,792 |
| Net loans and leases to deposits | 60.0792% | 4,894 |
| Net loans and leases to core deposits | 61.5679% | 5,033 |
| Total domestic deposits to total assets | 86.4646% | 2,592 |
| Equity capital to assets | 13.0194% | 1,363 |
| Core capital (leverage) ratio | 12.5039% | 1,352 |
| Tier 1 risk-based capital ratio | 20.8362% | 1,435 |
| Total risk-based capital ratio | 21.9275% | 1,443 |
| Memoranda: | ||
| Average total assets | $40,681,400 | 6,020 |
| Average earning assets | $35,449,000 | 6,049 |
| Average equity | $5,260,400 | 5,801 |
| Average total loans | $21,319,800 | 5,909 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6758% | 1,368 |
| Cost of funding earning assets | 0.3351% | 4,518 |
| Net interest margin | 4.3407% | 972 |
| Noninterest income to average assets | 0.6356% | 2,646 |
| Noninterest expense to average assets | 2.7071% | 3,802 |
| Loan and lease loss provision to assets | 0.1284% | 1,953 |
| Net operating income to assets | 1.5973% | 758 |
| Return on assets (ROA) | 1.5973% | 789 |
| Pretax return on assets | 1.5973% | 1,331 |
| Return on Equity (ROE) | 12.3743% | 1,381 |
| Retained earnings to average equity (ytd only) | -1.5818% | 6,040 |
| Net charge-offs to loans | 0.2139% | 1,757 |
| Credit loss provision to net charge-offs | 114.7059% | 1,981 |
| Earnings coverage of net charge-offs (x) | 15.4125% | 2,051 |
| Efficiency ratio | 61.0698% | 5,026 |
| Assets per employee ($millions) | 4.1343% | 3,594 |
| Cash dividends to net income (ytd only)* | 112.7844% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 4,198 |
| Loan loss allowance to noncurrent loans | 133.1707% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 3,108 |
| Noncurrent loans to loans | 0.9039% | 3,300 |
| Net loans and leases to total assets | 54.1978% | 4,556 |
| Net loans and leases to deposits | 62.7401% | 4,674 |
| Net loans and leases to core deposits | 65.0062% | 4,802 |
| Total domestic deposits to total assets | 86.3846% | 2,653 |
| Equity capital to assets | 12.8414% | 1,508 |
| Core capital (leverage) ratio | 12.5682% | 1,371 |
| Tier 1 risk-based capital ratio | 19.9361% | 1,689 |
| Total risk-based capital ratio | 21.0001% | 1,693 |
| Memoranda: | ||
| Average total assets | $40,484,500 | 6,099 |
| Average earning assets | $35,415,500 | 6,128 |
| Average equity | $5,225,750 | 5,868 |
| Average total loans | $21,196,250 | 5,973 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 1,323 |
| Cost of funding earning assets | 0.3438% | 4,496 |
| Net interest margin | 4.3380% | 956 |
| Noninterest income to average assets | 0.6518% | 2,532 |
| Noninterest expense to average assets | 2.6966% | 3,880 |
| Loan and lease loss provision to assets | 0.1542% | 1,602 |
| Net operating income to assets | 1.5672% | 765 |
| Return on assets (ROA) | 1.5672% | 795 |
| Pretax return on assets | 1.5672% | 1,339 |
| Return on Equity (ROE) | 12.1200% | 1,383 |
| Retained earnings to average equity (ytd only) | -6.5795% | 6,331 |
| Net charge-offs to loans | 0.3285% | 1,244 |
| Credit loss provision to net charge-offs | 91.1765% | 2,156 |
| Earnings coverage of net charge-offs (x) | 10.1765% | 2,275 |
| Efficiency ratio | 61.0360% | 5,140 |
| Assets per employee ($millions) | 4.4414% | 3,018 |
| Cash dividends to net income (ytd only)* | 154.2857% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 4,259 |
| Loan loss allowance to noncurrent loans | 133.1658% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 3,155 |
| Noncurrent loans to loans | 0.9263% | 3,400 |
| Net loans and leases to total assets | 53.0833% | 4,635 |
| Net loans and leases to deposits | 61.5722% | 4,734 |
| Net loans and leases to core deposits | 63.8761% | 4,828 |
| Total domestic deposits to total assets | 86.2132% | 2,923 |
| Equity capital to assets | 13.0888% | 1,327 |
| Core capital (leverage) ratio | 12.5372% | 1,375 |
| Tier 1 risk-based capital ratio | 19.9252% | 1,706 |
| Total risk-based capital ratio | 20.9797% | 1,718 |
| Memoranda: | ||
| Average total assets | $40,198,330 | 6,170 |
| Average earning assets | $34,901,000 | 6,193 |
| Average equity | $5,198,000 | 5,913 |
| Average total loans | $20,701,670 | 6,046 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7162% | 1,219 |
| Cost of funding earning assets | 0.3451% | 4,589 |
| Net interest margin | 4.3711% | 858 |
| Noninterest income to average assets | 0.6847% | 2,259 |
| Noninterest expense to average assets | 2.7387% | 3,805 |
| Loan and lease loss provision to assets | 0.0794% | 2,559 |
| Net operating income to assets | 1.6373% | 632 |
| Return on assets (ROA) | 1.6373% | 659 |
| Pretax return on assets | 1.6373% | 1,093 |
| Return on Equity (ROE) | 12.7389% | 1,225 |
| Retained earnings to average equity (ytd only) | -15.3638% | 6,473 |
| Net charge-offs to loans | 0.6696% | 549 |
| Credit loss provision to net charge-offs | 23.5294% | 2,468 |
| Earnings coverage of net charge-offs (x) | 5.0882% | 2,427 |
| Efficiency ratio | 61.4699% | 5,204 |
| Assets per employee ($millions) | 4.4344% | 3,079 |
| Cash dividends to net income (ytd only)* | 220.6061% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 4,771 |
| Loan loss allowance to noncurrent loans | 263.0435% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6891% | 4,041 |
| Noncurrent loans to loans | 0.4452% | 4,811 |
| Net loans and leases to total assets | 51.1676% | 4,771 |
| Net loans and leases to deposits | 59.0646% | 4,837 |
| Net loans and leases to core deposits | 61.2636% | 4,941 |
| Total domestic deposits to total assets | 86.6299% | 3,026 |
| Equity capital to assets | 12.7712% | 1,419 |
| Core capital (leverage) ratio | 12.4385% | 1,413 |
| Tier 1 risk-based capital ratio | 19.6603% | 1,799 |
| Total risk-based capital ratio | 20.6161% | 1,839 |
| Memoranda: | ||
| Average total assets | $40,311,000 | 6,225 |
| Average earning assets | $34,774,000 | 6,261 |
| Average equity | $5,181,000 | 5,952 |
| Average total loans | $20,310,500 | 6,127 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 1,739 |
| Cost of funding earning assets | 0.4313% | 4,305 |
| Net interest margin | 4.2118% | 1,317 |
| Noninterest income to average assets | 0.6195% | 2,980 |
| Noninterest expense to average assets | 2.6580% | 4,249 |
| Loan and lease loss provision to assets | 0.0749% | 3,612 |
| Net operating income to assets | 1.4239% | 977 |
| Return on assets (ROA) | 1.4239% | 1,017 |
| Pretax return on assets | 1.4239% | 1,705 |
| Return on Equity (ROE) | 11.0860% | 1,740 |
| Retained earnings to average equity (ytd only) | 1.5559% | 5,115 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9423% | 4,907 |
| Assets per employee ($millions) | 4.0712% | 3,708 |
| Cash dividends to net income (ytd only)* | 85.9649% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 3,922 |
| Loan loss allowance to noncurrent loans | 168.5535% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 3,771 |
| Noncurrent loans to loans | 0.7967% | 3,988 |
| Net loans and leases to total assets | 48.3641% | 5,255 |
| Net loans and leases to deposits | 55.8724% | 5,312 |
| Net loans and leases to core deposits | 57.9067% | 5,402 |
| Total domestic deposits to total assets | 86.5617% | 2,964 |
| Equity capital to assets | 12.9323% | 1,305 |
| Core capital (leverage) ratio | 12.9083% | 1,172 |
| Tier 1 risk-based capital ratio | 20.9561% | 1,426 |
| Total risk-based capital ratio | 22.0410% | 1,444 |
| Memoranda: | ||
| Average total assets | $40,030,000 | 6,286 |
| Average earning assets | $33,619,600 | 6,357 |
| Average equity | $5,141,600 | 6,033 |
| Average total loans | $19,571,200 | 6,224 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 1,854 |
| Cost of funding earning assets | 0.4517% | 4,255 |
| Net interest margin | 4.1615% | 1,452 |
| Noninterest income to average assets | 0.6088% | 3,092 |
| Noninterest expense to average assets | 2.6058% | 4,372 |
| Loan and lease loss provision to assets | 0.0769% | 3,523 |
| Net operating income to assets | 1.4082% | 1,087 |
| Return on assets (ROA) | 1.4082% | 1,135 |
| Pretax return on assets | 1.4082% | 1,904 |
| Return on Equity (ROE) | 10.9831% | 1,825 |
| Retained earnings to average equity (ytd only) | -1.8001% | 6,241 |
| Net charge-offs to loans | 0.0137% | 4,863 |
| Credit loss provision to net charge-offs | 1,150.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 221.7191% | 262 |
| Efficiency ratio | 63.6958% | 4,853 |
| Assets per employee ($millions) | 4.0169% | 3,799 |
| Cash dividends to net income (ytd only)* | 116.3899% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 4,562 |
| Loan loss allowance to noncurrent loans | 80.4348% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.7327% | 2,370 |
| Noncurrent loans to loans | 1.5740% | 2,808 |
| Net loans and leases to total assets | 50.2826% | 5,109 |
| Net loans and leases to deposits | 58.0302% | 5,187 |
| Net loans and leases to core deposits | 60.0488% | 5,298 |
| Total domestic deposits to total assets | 86.6489% | 2,886 |
| Equity capital to assets | 12.5345% | 1,565 |
| Core capital (leverage) ratio | 12.5437% | 1,400 |
| Tier 1 risk-based capital ratio | 20.5654% | 1,588 |
| Total risk-based capital ratio | 21.6249% | 1,608 |
| Memoranda: | ||
| Average total assets | $39,859,500 | 6,363 |
| Average earning assets | $33,353,000 | 6,439 |
| Average equity | $5,110,750 | 6,112 |
| Average total loans | $19,474,500 | 6,297 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6178% | 1,792 |
| Cost of funding earning assets | 0.4721% | 4,184 |
| Net interest margin | 4.1457% | 1,422 |
| Noninterest income to average assets | 0.5936% | 3,233 |
| Noninterest expense to average assets | 2.6562% | 4,200 |
| Loan and lease loss provision to assets | 0.0755% | 3,542 |
| Net operating income to assets | 1.3080% | 1,305 |
| Return on assets (ROA) | 1.3080% | 1,389 |
| Pretax return on assets | 1.3080% | 2,271 |
| Return on Equity (ROE) | 10.1246% | 2,153 |
| Retained earnings to average equity (ytd only) | -6.8146% | 6,556 |
| Net charge-offs to loans | 0.0313% | 4,251 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 91.6667% | 502 |
| Efficiency ratio | 65.7534% | 4,592 |
| Assets per employee ($millions) | 3.9929% | 3,819 |
| Cash dividends to net income (ytd only)* | 167.3077% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 4,871 |
| Loan loss allowance to noncurrent loans | 77.8816% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.7456% | 2,496 |
| Noncurrent loans to loans | 1.5706% | 2,953 |
| Net loans and leases to total assets | 50.5597% | 5,052 |
| Net loans and leases to deposits | 58.2643% | 5,140 |
| Net loans and leases to core deposits | 60.2969% | 5,238 |
| Total domestic deposits to total assets | 86.7765% | 2,958 |
| Equity capital to assets | 12.4746% | 1,593 |
| Core capital (leverage) ratio | 12.3535% | 1,433 |
| Tier 1 risk-based capital ratio | 19.9976% | 1,720 |
| Total risk-based capital ratio | 21.0133% | 1,752 |
| Memoranda: | ||
| Average total assets | $39,756,330 | 6,410 |
| Average earning assets | $33,046,330 | 6,496 |
| Average equity | $5,136,000 | 6,148 |
| Average total loans | $19,147,000 | 6,352 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6292% | 1,748 |
| Cost of funding earning assets | 0.5157% | 3,921 |
| Net interest margin | 4.1135% | 1,419 |
| Noninterest income to average assets | 0.6655% | 2,783 |
| Noninterest expense to average assets | 2.6922% | 4,100 |
| Loan and lease loss provision to assets | 0.0605% | 3,632 |
| Net operating income to assets | 1.2906% | 1,306 |
| Return on assets (ROA) | 1.2906% | 1,406 |
| Pretax return on assets | 1.2906% | 2,260 |
| Return on Equity (ROE) | 9.8207% | 2,131 |
| Retained earnings to average equity (ytd only) | -15.3448% | 6,754 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5835% | 4,561 |
| Assets per employee ($millions) | 4.0239% | 3,893 |
| Cash dividends to net income (ytd only)* | 256.2500% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 4,588 |
| Loan loss allowance to noncurrent loans | 305.0000% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 1.1382% | 3,666 |
| Noncurrent loans to loans | 0.4336% | 5,335 |
| Net loans and leases to total assets | 45.2447% | 5,519 |
| Net loans and leases to deposits | 52.2575% | 5,594 |
| Net loans and leases to core deposits | 54.0655% | 5,662 |
| Total domestic deposits to total assets | 86.5802% | 3,194 |
| Equity capital to assets | 12.7439% | 1,566 |
| Core capital (leverage) ratio | 12.4365% | 1,366 |
| Tier 1 risk-based capital ratio | 20.7115% | 1,613 |
| Total risk-based capital ratio | 21.7437% | 1,625 |
| Memoranda: | ||
| Average total assets | $39,670,000 | 6,472 |
| Average earning assets | $32,576,000 | 6,564 |
| Average equity | $5,213,500 | 6,183 |
| Average total loans | $18,501,500 | 6,427 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 1,740 |
| Cost of funding earning assets | 0.5783% | 4,556 |
| Net interest margin | 4.3537% | 1,276 |
| Noninterest income to average assets | 0.5743% | 3,422 |
| Noninterest expense to average assets | 2.6617% | 4,529 |
| Loan and lease loss provision to assets | 0.1154% | 4,187 |
| Net operating income to assets | 1.6075% | 745 |
| Return on assets (ROA) | 1.6075% | 823 |
| Pretax return on assets | 1.6075% | 1,359 |
| Return on Equity (ROE) | 11.7762% | 1,568 |
| Retained earnings to average equity (ytd only) | 0.3650% | 5,669 |
| Net charge-offs to loans | 0.0996% | 4,671 |
| Credit loss provision to net charge-offs | 231.5789% | 1,067 |
| Earnings coverage of net charge-offs (x) | 34.5789% | 906 |
| Efficiency ratio | 60.7057% | 5,427 |
| Assets per employee ($millions) | 3.9101% | 4,129 |
| Cash dividends to net income (ytd only)* | 96.9005% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 4,748 |
| Loan loss allowance to noncurrent loans | 249.4737% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 1.2148% | 3,631 |
| Noncurrent loans to loans | 0.5120% | 5,249 |
| Net loans and leases to total assets | 46.8428% | 5,528 |
| Net loans and leases to deposits | 54.5785% | 5,603 |
| Net loans and leases to core deposits | 56.5361% | 5,673 |
| Total domestic deposits to total assets | 85.8264% | 3,444 |
| Equity capital to assets | 13.5521% | 1,209 |
| Core capital (leverage) ratio | 12.9189% | 1,142 |
| Tier 1 risk-based capital ratio | 21.5905% | 1,337 |
| Total risk-based capital ratio | 22.5946% | 1,365 |
| Memoranda: | ||
| Average total assets | $38,134,000 | 6,554 |
| Average earning assets | $33,373,800 | 6,573 |
| Average equity | $5,205,400 | 6,242 |
| Average total loans | $19,067,200 | 6,459 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 1,737 |
| Cost of funding earning assets | 0.5884% | 4,760 |
| Net interest margin | 4.3932% | 1,214 |
| Noninterest income to average assets | 0.5489% | 3,622 |
| Noninterest expense to average assets | 2.6214% | 4,668 |
| Loan and lease loss provision to assets | 0.1126% | 4,158 |
| Net operating income to assets | 1.7030% | 682 |
| Return on assets (ROA) | 1.7030% | 756 |
| Pretax return on assets | 1.7030% | 1,262 |
| Return on Equity (ROE) | 12.4531% | 1,483 |
| Retained earnings to average equity (ytd only) | -0.7204% | 6,224 |
| Net charge-offs to loans | 0.1111% | 4,279 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 32.2541% | 1,041 |
| Efficiency ratio | 59.0801% | 5,647 |
| Assets per employee ($millions) | 3.8850% | 4,123 |
| Cash dividends to net income (ytd only)* | 105.7847% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,398 |
| Loan loss allowance to noncurrent loans | 68.1548% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.3153% | 3,663 |
| Noncurrent loans to loans | 1.7248% | 3,203 |
| Net loans and leases to total assets | 49.5547% | 5,362 |
| Net loans and leases to deposits | 58.0142% | 5,428 |
| Net loans and leases to core deposits | 59.4730% | 5,607 |
| Total domestic deposits to total assets | 85.4183% | 3,558 |
| Equity capital to assets | 13.6293% | 1,294 |
| Core capital (leverage) ratio | 13.2114% | 1,104 |
| Tier 1 risk-based capital ratio | 20.9624% | 1,535 |
| Total risk-based capital ratio | 21.9131% | 1,571 |
| Memoranda: | ||
| Average total assets | $37,892,250 | 6,640 |
| Average earning assets | $33,536,000 | 6,653 |
| Average equity | $5,182,000 | 6,315 |
| Average total loans | $19,195,750 | 6,540 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9951% | 1,802 |
| Cost of funding earning assets | 0.6087% | 4,826 |
| Net interest margin | 4.3864% | 1,239 |
| Noninterest income to average assets | 0.5802% | 3,378 |
| Noninterest expense to average assets | 2.6402% | 4,648 |
| Loan and lease loss provision to assets | 0.1278% | 3,924 |
| Net operating income to assets | 1.7246% | 642 |
| Return on assets (ROA) | 1.7246% | 721 |
| Pretax return on assets | 1.7246% | 1,197 |
| Return on Equity (ROE) | 12.5964% | 1,474 |
| Retained earnings to average equity (ytd only) | -5.6762% | 6,654 |
| Net charge-offs to loans | 0.0628% | 4,547 |
| Credit loss provision to net charge-offs | 400.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 652 |
| Efficiency ratio | 58.7678% | 5,762 |
| Assets per employee ($millions) | 3.7440% | 4,431 |
| Cash dividends to net income (ytd only)* | 145.0617% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 5,495 |
| Loan loss allowance to noncurrent loans | 59.2308% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 1.5144% | 3,431 |
| Noncurrent loans to loans | 1.9697% | 2,978 |
| Net loans and leases to total assets | 52.2676% | 5,065 |
| Net loans and leases to deposits | 61.2163% | 5,098 |
| Net loans and leases to core deposits | 62.8501% | 5,318 |
| Total domestic deposits to total assets | 85.3819% | 3,674 |
| Equity capital to assets | 13.6752% | 1,231 |
| Core capital (leverage) ratio | 13.1070% | 1,118 |
| Tier 1 risk-based capital ratio | 20.9358% | 1,491 |
| Total risk-based capital ratio | 21.9165% | 1,518 |
| Memoranda: | ||
| Average total assets | $37,573,000 | 6,694 |
| Average earning assets | $33,513,000 | 6,701 |
| Average equity | $5,144,330 | 6,352 |
| Average total loans | $19,100,670 | 6,595 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 1,724 |
| Cost of funding earning assets | 0.6417% | 4,807 |
| Net interest margin | 4.4070% | 1,213 |
| Noninterest income to average assets | 0.6483% | 2,938 |
| Noninterest expense to average assets | 2.5930% | 4,845 |
| Loan and lease loss provision to assets | 0.0850% | 4,318 |
| Net operating income to assets | 1.8385% | 556 |
| Return on assets (ROA) | 1.8385% | 629 |
| Pretax return on assets | 1.8385% | 999 |
| Return on Equity (ROE) | 13.4200% | 1,301 |
| Retained earnings to average equity (ytd only) | -16.4453% | 6,996 |
| Net charge-offs to loans | 0.0853% | 3,654 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 45.2500% | 682 |
| Efficiency ratio | 57.4118% | 5,988 |
| Assets per employee ($millions) | 3.7572% | 4,521 |
| Cash dividends to net income (ytd only)* | 222.5434% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 5,717 |
| Loan loss allowance to noncurrent loans | 54.3860% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5384% | 3,558 |
| Noncurrent loans to loans | 2.1131% | 3,014 |
| Net loans and leases to total assets | 49.6780% | 5,351 |
| Net loans and leases to deposits | 57.9676% | 5,377 |
| Net loans and leases to core deposits | 60.0141% | 5,526 |
| Total domestic deposits to total assets | 85.6995% | 3,686 |
| Equity capital to assets | 13.4488% | 1,256 |
| Core capital (leverage) ratio | 13.0687% | 1,105 |
| Tier 1 risk-based capital ratio | 20.7612% | 1,535 |
| Total risk-based capital ratio | 21.6870% | 1,580 |
| Memoranda: | ||
| Average total assets | $37,639,500 | 6,742 |
| Average earning assets | $33,038,500 | 6,766 |
| Average equity | $5,156,500 | 6,380 |
| Average total loans | $18,751,000 | 6,669 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4468% | 1,310 |
| Cost of funding earning assets | 0.8360% | 4,575 |
| Net interest margin | 4.6108% | 901 |
| Noninterest income to average assets | 0.7216% | 2,489 |
| Noninterest expense to average assets | 2.9246% | 3,865 |
| Loan and lease loss provision to assets | 0.1646% | 4,573 |
| Net operating income to assets | 1.6269% | 633 |
| Return on assets (ROA) | 1.6269% | 688 |
| Pretax return on assets | 1.6269% | 1,145 |
| Return on Equity (ROE) | 11.6709% | 1,509 |
| Retained earnings to average equity (ytd only) | 5.1368% | 2,544 |
| Net charge-offs to loans | 0.2652% | 4,114 |
| Credit loss provision to net charge-offs | 115.3846% | 2,825 |
| Earnings coverage of net charge-offs (x) | 12.5577% | 1,613 |
| Efficiency ratio | 62.0128% | 5,459 |
| Assets per employee ($millions) | 3.7707% | 4,386 |
| Cash dividends to net income (ytd only)* | 55.9865% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 5,651 |
| Loan loss allowance to noncurrent loans | 57.7236% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.4613% | 3,787 |
| Noncurrent loans to loans | 1.9817% | 3,234 |
| Net loans and leases to total assets | 48.8159% | 5,738 |
| Net loans and leases to deposits | 57.2606% | 5,773 |
| Net loans and leases to core deposits | 59.2780% | 5,908 |
| Total domestic deposits to total assets | 85.2521% | 3,723 |
| Equity capital to assets | 13.9497% | 1,082 |
| Core capital (leverage) ratio | 13.5551% | 947 |
| Tier 1 risk-based capital ratio | 21.5489% | 1,313 |
| Total risk-based capital ratio | 22.4528% | 1,353 |
| Memoranda: | ||
| Average total assets | $36,449,200 | 6,783 |
| Average earning assets | $31,578,200 | 6,820 |
| Average equity | $5,081,000 | 6,413 |
| Average total loans | $19,609,200 | 6,676 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5929% | 1,047 |
| Cost of funding earning assets | 0.8831% | 4,522 |
| Net interest margin | 4.7098% | 749 |
| Noninterest income to average assets | 0.5572% | 3,465 |
| Noninterest expense to average assets | 2.8043% | 4,326 |
| Loan and lease loss provision to assets | 0.1734% | 4,303 |
| Net operating income to assets | 1.6530% | 702 |
| Return on assets (ROA) | 1.6530% | 770 |
| Pretax return on assets | 1.6530% | 1,248 |
| Return on Equity (ROE) | 11.8604% | 1,585 |
| Retained earnings to average equity (ytd only) | 3.7858% | 4,045 |
| Net charge-offs to loans | 0.1947% | 4,245 |
| Credit loss provision to net charge-offs | 162.0690% | 1,892 |
| Earnings coverage of net charge-offs (x) | 17.0670% | 1,366 |
| Efficiency ratio | 60.5578% | 5,629 |
| Assets per employee ($millions) | 3.6813% | 4,571 |
| Cash dividends to net income (ytd only)* | 68.0808% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 5,676 |
| Loan loss allowance to noncurrent loans | 57.9634% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.5402% | 3,781 |
| Noncurrent loans to loans | 1.9865% | 3,387 |
| Net loans and leases to total assets | 51.7698% | 5,476 |
| Net loans and leases to deposits | 61.1108% | 5,502 |
| Net loans and leases to core deposits | 62.8065% | 5,734 |
| Total domestic deposits to total assets | 84.7146% | 3,906 |
| Equity capital to assets | 14.1336% | 1,106 |
| Core capital (leverage) ratio | 13.4959% | 1,048 |
| Tier 1 risk-based capital ratio | 21.2511% | 1,412 |
| Total risk-based capital ratio | 22.2022% | 1,441 |
| Memoranda: | ||
| Average total assets | $36,134,750 | 6,853 |
| Average earning assets | $31,253,250 | 6,895 |
| Average equity | $5,036,250 | 6,485 |
| Average total loans | $19,856,500 | 6,731 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5044% | 1,291 |
| Cost of funding earning assets | 0.9056% | 4,616 |
| Net interest margin | 4.5987% | 910 |
| Noninterest income to average assets | 0.5124% | 3,767 |
| Noninterest expense to average assets | 2.7904% | 4,463 |
| Loan and lease loss provision to assets | 0.2228% | 3,692 |
| Net operating income to assets | 1.4871% | 917 |
| Return on assets (ROA) | 1.4871% | 974 |
| Pretax return on assets | 1.4871% | 1,570 |
| Return on Equity (ROE) | 10.7214% | 1,893 |
| Retained earnings to average equity (ytd only) | -0.5220% | 5,967 |
| Net charge-offs to loans | 0.3092% | 3,325 |
| Credit loss provision to net charge-offs | 129.0323% | 2,364 |
| Earnings coverage of net charge-offs (x) | 9.9032% | 1,869 |
| Efficiency ratio | 62.0050% | 5,584 |
| Assets per employee ($millions) | 3.6202% | 4,636 |
| Cash dividends to net income (ytd only)* | 104.8689% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 6,272 |
| Loan loss allowance to noncurrent loans | 31.6024% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 2.3838% | 2,768 |
| Noncurrent loans to loans | 3.2114% | 2,230 |
| Net loans and leases to total assets | 57.3863% | 4,748 |
| Net loans and leases to deposits | 67.5764% | 4,772 |
| Net loans and leases to core deposits | 68.8712% | 5,203 |
| Total domestic deposits to total assets | 84.9207% | 3,912 |
| Equity capital to assets | 13.9633% | 1,106 |
| Core capital (leverage) ratio | 13.2506% | 1,070 |
| Tier 1 risk-based capital ratio | 18.7715% | 1,914 |
| Total risk-based capital ratio | 19.6038% | 2,013 |
| Memoranda: | ||
| Average total assets | $35,908,670 | 6,918 |
| Average earning assets | $31,139,000 | 6,962 |
| Average equity | $4,980,670 | 6,539 |
| Average total loans | $20,048,670 | 6,785 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4322% | 1,473 |
| Cost of funding earning assets | 0.9625% | 4,479 |
| Net interest margin | 4.4697% | 1,135 |
| Noninterest income to average assets | 0.5704% | 3,364 |
| Noninterest expense to average assets | 2.7963% | 4,459 |
| Loan and lease loss provision to assets | 0.0783% | 5,020 |
| Net operating income to assets | 1.4876% | 895 |
| Return on assets (ROA) | 1.4876% | 937 |
| Pretax return on assets | 1.4876% | 1,481 |
| Return on Equity (ROE) | 10.7616% | 1,814 |
| Retained earnings to average equity (ytd only) | -7.4441% | 6,709 |
| Net charge-offs to loans | -0.3677% | 7,375 |
| Credit loss provision to net charge-offs | -38.8889% | 5,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1026% | 5,354 |
| Assets per employee ($millions) | 3.6061% | 4,745 |
| Cash dividends to net income (ytd only)* | 169.1729% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,744 |
| Loan loss allowance to noncurrent loans | 44.8141% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 2.2379% | 3,016 |
| Noncurrent loans to loans | 2.6231% | 2,874 |
| Net loans and leases to total assets | 53.3873% | 5,393 |
| Net loans and leases to deposits | 62.5410% | 5,439 |
| Net loans and leases to core deposits | 63.6240% | 5,772 |
| Total domestic deposits to total assets | 85.3637% | 3,854 |
| Equity capital to assets | 13.5798% | 1,154 |
| Core capital (leverage) ratio | 13.1131% | 1,089 |
| Tier 1 risk-based capital ratio | 18.5999% | 1,927 |
| Total risk-based capital ratio | 19.5015% | 1,992 |
| Memoranda: | ||
| Average total assets | $35,762,000 | 6,974 |
| Average earning assets | $30,337,500 | 7,040 |
| Average equity | $4,943,500 | 6,585 |
| Average total loans | $19,579,000 | 6,865 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8669% | 1,114 |
| Cost of funding earning assets | 1.1882% | 4,630 |
| Net interest margin | 4.6787% | 855 |
| Noninterest income to average assets | 0.6461% | 3,176 |
| Noninterest expense to average assets | 2.9722% | 3,948 |
| Loan and lease loss provision to assets | 0.4229% | 3,578 |
| Net operating income to assets | 1.3216% | 1,120 |
| Return on assets (ROA) | 1.3216% | 1,187 |
| Pretax return on assets | 1.3216% | 1,880 |
| Return on Equity (ROE) | 9.1931% | 2,221 |
| Retained earnings to average equity (ytd only) | 1.8999% | 4,536 |
| Net charge-offs to loans | 1.1094% | 2,007 |
| Credit loss provision to net charge-offs | 65.1584% | 5,978 |
| Earnings coverage of net charge-offs (x) | 2.6878% | 3,745 |
| Efficiency ratio | 63.0137% | 5,509 |
| Assets per employee ($millions) | 3.5463% | 4,832 |
| Cash dividends to net income (ytd only)* | 79.3333% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 6,205 |
| Loan loss allowance to noncurrent loans | 76.9811% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.5791% | 3,938 |
| Noncurrent loans to loans | 1.3468% | 4,465 |
| Net loans and leases to total assets | 54.9108% | 5,502 |
| Net loans and leases to deposits | 64.6621% | 5,552 |
| Net loans and leases to core deposits | 66.4245% | 5,834 |
| Total domestic deposits to total assets | 84.9195% | 3,900 |
| Equity capital to assets | 14.0710% | 1,013 |
| Core capital (leverage) ratio | 13.6827% | 935 |
| Tier 1 risk-based capital ratio | 20.3266% | 1,432 |
| Total risk-based capital ratio | 21.1874% | 1,471 |
| Memoranda: | ||
| Average total assets | $34,048,600 | 7,076 |
| Average earning assets | $29,623,800 | 7,103 |
| Average equity | $4,895,000 | 6,705 |
| Average total loans | $19,920,600 | 6,929 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8452% | 1,267 |
| Cost of funding earning assets | 1.2013% | 4,861 |
| Net interest margin | 4.6439% | 957 |
| Noninterest income to average assets | 0.6291% | 3,261 |
| Noninterest expense to average assets | 2.9559% | 3,903 |
| Loan and lease loss provision to assets | 0.0910% | 6,126 |
| Net operating income to assets | 1.6817% | 648 |
| Return on assets (ROA) | 1.6817% | 700 |
| Pretax return on assets | 1.6817% | 1,151 |
| Return on Equity (ROE) | 11.6325% | 1,608 |
| Retained earnings to average equity (ytd only) | 2.6002% | 4,600 |
| Net charge-offs to loans | 0.4137% | 3,638 |
| Credit loss provision to net charge-offs | 37.0968% | 6,056 |
| Earnings coverage of net charge-offs (x) | 7.2262% | 2,364 |
| Efficiency ratio | 62.5105% | 5,520 |
| Assets per employee ($millions) | 3.4924% | 5,003 |
| Cash dividends to net income (ytd only)* | 77.6476% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 5,826 |
| Loan loss allowance to noncurrent loans | 43.5252% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 2.4482% | 2,921 |
| Noncurrent loans to loans | 2.5888% | 3,036 |
| Net loans and leases to total assets | 60.8035% | 4,758 |
| Net loans and leases to deposits | 72.2033% | 4,813 |
| Net loans and leases to core deposits | 74.2976% | 5,258 |
| Total domestic deposits to total assets | 84.2114% | 4,002 |
| Equity capital to assets | 14.4142% | 1,043 |
| Core capital (leverage) ratio | 14.1631% | 889 |
| Tier 1 risk-based capital ratio | 18.8845% | 1,778 |
| Total risk-based capital ratio | 19.8330% | 1,816 |
| Memoranda: | ||
| Average total assets | $33,695,000 | 7,173 |
| Average earning assets | $29,744,250 | 7,184 |
| Average equity | $4,871,250 | 6,793 |
| Average total loans | $19,981,500 | 7,011 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8589% | 1,283 |
| Cost of funding earning assets | 1.2492% | 4,836 |
| Net interest margin | 4.6097% | 972 |
| Noninterest income to average assets | 0.6670% | 2,917 |
| Noninterest expense to average assets | 3.0704% | 3,429 |
| Loan and lease loss provision to assets | 0.0901% | 6,026 |
| Net operating income to assets | 1.5863% | 746 |
| Return on assets (ROA) | 1.5863% | 802 |
| Pretax return on assets | 1.5863% | 1,338 |
| Return on Equity (ROE) | 10.9612% | 1,766 |
| Retained earnings to average equity (ytd only) | -1.7023% | 6,099 |
| Net charge-offs to loans | 0.4927% | 3,068 |
| Credit loss provision to net charge-offs | 31.2500% | 5,714 |
| Earnings coverage of net charge-offs (x) | 5.8125% | 2,592 |
| Efficiency ratio | 64.6835% | 5,211 |
| Assets per employee ($millions) | 3.3690% | 5,260 |
| Cash dividends to net income (ytd only)* | 115.5303% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 5,177 |
| Loan loss allowance to noncurrent loans | 49.1089% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.3894% | 3,013 |
| Noncurrent loans to loans | 2.5472% | 3,110 |
| Net loans and leases to total assets | 58.1122% | 5,404 |
| Net loans and leases to deposits | 68.9949% | 5,415 |
| Net loans and leases to core deposits | 71.0584% | 5,767 |
| Total domestic deposits to total assets | 84.2268% | 4,003 |
| Equity capital to assets | 14.4227% | 1,033 |
| Core capital (leverage) ratio | 13.8718% | 957 |
| Tier 1 risk-based capital ratio | 19.3990% | 1,628 |
| Total risk-based capital ratio | 20.4369% | 1,640 |
| Memoranda: | ||
| Average total assets | $33,285,330 | 7,247 |
| Average earning assets | $29,459,670 | 7,244 |
| Average equity | $4,817,000 | 6,836 |
| Average total loans | $19,483,000 | 7,098 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8081% | 1,431 |
| Cost of funding earning assets | 1.2786% | 4,940 |
| Net interest margin | 4.5295% | 1,082 |
| Noninterest income to average assets | 0.7013% | 2,599 |
| Noninterest expense to average assets | 2.8897% | 4,106 |
| Loan and lease loss provision to assets | 0.0967% | 5,665 |
| Net operating income to assets | 1.7411% | 560 |
| Return on assets (ROA) | 1.7411% | 614 |
| Pretax return on assets | 1.7411% | 984 |
| Return on Equity (ROE) | 12.0100% | 1,500 |
| Retained earnings to average equity (ytd only) | -8.7573% | 6,881 |
| Net charge-offs to loans | 1.0149% | 1,621 |
| Credit loss provision to net charge-offs | 16.3265% | 4,984 |
| Earnings coverage of net charge-offs (x) | 3.1020% | 3,020 |
| Efficiency ratio | 61.1253% | 5,977 |
| Assets per employee ($millions) | 3.2882% | 5,563 |
| Cash dividends to net income (ytd only)* | 172.9167% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 5,242 |
| Loan loss allowance to noncurrent loans | 53.4521% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 2.1623% | 3,319 |
| Noncurrent loans to loans | 2.3314% | 3,350 |
| Net loans and leases to total assets | 57.8402% | 5,466 |
| Net loans and leases to deposits | 68.6483% | 5,513 |
| Net loans and leases to core deposits | 70.7420% | 5,851 |
| Total domestic deposits to total assets | 84.2558% | 4,013 |
| Equity capital to assets | 14.4213% | 1,030 |
| Core capital (leverage) ratio | 14.0412% | 949 |
| Tier 1 risk-based capital ratio | 19.9792% | 1,524 |
| Total risk-based capital ratio | 20.9830% | 1,539 |
| Memoranda: | ||
| Average total assets | $33,083,000 | 7,338 |
| Average earning assets | $29,407,000 | 7,343 |
| Average equity | $4,796,000 | 6,913 |
| Average total loans | $19,311,500 | 7,196 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9967% | 1,885 |
| Cost of funding earning assets | 1.4898% | 5,551 |
| Net interest margin | 4.5068% | 1,167 |
| Noninterest income to average assets | 0.6531% | 3,264 |
| Noninterest expense to average assets | 3.0108% | 4,105 |
| Loan and lease loss provision to assets | 0.3066% | 4,982 |
| Net operating income to assets | 1.4073% | 838 |
| Return on assets (ROA) | 1.4073% | 893 |
| Pretax return on assets | 1.4073% | 1,418 |
| Return on Equity (ROE) | 9.6485% | 1,794 |
| Retained earnings to average equity (ytd only) | 0.3363% | 4,724 |
| Net charge-offs to loans | 0.0154% | 7,003 |
| Credit loss provision to net charge-offs | 3,333.3333% | 104 |
| Earnings coverage of net charge-offs (x) | 186.3333% | 148 |
| Efficiency ratio | 63.7249% | 5,823 |
| Assets per employee ($millions) | 3.3284% | 5,435 |
| Cash dividends to net income (ytd only)* | 96.5142% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 3,967 |
| Loan loss allowance to noncurrent loans | 39.0278% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 2.7671% | 2,525 |
| Noncurrent loans to loans | 3.7182% | 2,023 |
| Net loans and leases to total assets | 57.3339% | 5,770 |
| Net loans and leases to deposits | 68.1098% | 5,810 |
| Net loans and leases to core deposits | 77.7597% | 6,277 |
| Total domestic deposits to total assets | 84.1786% | 3,950 |
| Equity capital to assets | 14.5716% | 1,006 |
| Core capital (leverage) ratio | 14.2345% | 943 |
| Tier 1 risk-based capital ratio | 20.0416% | 1,457 |
| Total risk-based capital ratio | 21.2337% | 1,427 |
| Memoranda: | ||
| Average total assets | $32,616,000 | 7,378 |
| Average earning assets | $29,466,400 | 7,377 |
| Average equity | $4,757,200 | 7,042 |
| Average total loans | $19,496,600 | 7,226 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0073% | 2,006 |
| Cost of funding earning assets | 1.5222% | 5,741 |
| Net interest margin | 4.4851% | 1,228 |
| Noninterest income to average assets | 0.6698% | 3,220 |
| Noninterest expense to average assets | 2.9872% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7504% | 505 |
| Return on assets (ROA) | 1.7504% | 529 |
| Pretax return on assets | 1.7504% | 879 |
| Return on Equity (ROE) | 11.9981% | 1,350 |
| Retained earnings to average equity (ytd only) | 0.7324% | 4,878 |
| Net charge-offs to loans | -0.1366% | 7,943 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0529% | 5,913 |
| Assets per employee ($millions) | 3.2836% | 5,442 |
| Cash dividends to net income (ytd only)* | 93.8960% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 6,063 |
| Loan loss allowance to noncurrent loans | 26.9841% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 2.7866% | 2,489 |
| Noncurrent loans to loans | 3.8552% | 1,924 |
| Net loans and leases to total assets | 59.0998% | 5,728 |
| Net loans and leases to deposits | 71.7678% | 5,685 |
| Net loans and leases to core deposits | 82.3894% | 6,157 |
| Total domestic deposits to total assets | 82.3486% | 4,525 |
| Equity capital to assets | 14.8678% | 1,043 |
| Core capital (leverage) ratio | 14.3904% | 983 |
| Tier 1 risk-based capital ratio | 19.1441% | 1,709 |
| Total risk-based capital ratio | 19.9693% | 1,772 |
| Memoranda: | ||
| Average total assets | $32,449,000 | 7,445 |
| Average earning assets | $29,430,250 | 7,440 |
| Average equity | $4,734,000 | 7,099 |
| Average total loans | $19,529,750 | 7,286 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0420% | 2,007 |
| Cost of funding earning assets | 1.5531% | 5,907 |
| Net interest margin | 4.4889% | 1,188 |
| Noninterest income to average assets | 0.6931% | 3,031 |
| Noninterest expense to average assets | 2.9579% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8131% | 446 |
| Return on assets (ROA) | 1.8131% | 489 |
| Pretax return on assets | 1.8131% | 828 |
| Return on Equity (ROE) | 12.5089% | 1,285 |
| Retained earnings to average equity (ytd only) | -2.8177% | 5,935 |
| Net charge-offs to loans | -0.0308% | 7,782 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9974% | 6,244 |
| Assets per employee ($millions) | 3.2669% | 5,410 |
| Cash dividends to net income (ytd only)* | 122.5256% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 6,498 |
| Loan loss allowance to noncurrent loans | 31.6949% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 2.2958% | 2,838 |
| Noncurrent loans to loans | 3.0319% | 2,380 |
| Net loans and leases to total assets | 58.9948% | 5,845 |
| Net loans and leases to deposits | 70.2215% | 5,970 |
| Net loans and leases to core deposits | 80.0507% | 6,405 |
| Total domestic deposits to total assets | 84.0124% | 3,763 |
| Equity capital to assets | 14.4112% | 1,190 |
| Core capital (leverage) ratio | 14.2349% | 1,086 |
| Tier 1 risk-based capital ratio | 18.4661% | 1,882 |
| Total risk-based capital ratio | 19.2100% | 1,969 |
| Memoranda: | ||
| Average total assets | $32,320,000 | 7,518 |
| Average earning assets | $29,361,000 | 7,513 |
| Average equity | $4,684,670 | 7,179 |
| Average total loans | $19,503,000 | 7,359 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0583% | 2,120 |
| Cost of funding earning assets | 1.5727% | 6,149 |
| Net interest margin | 4.4856% | 1,159 |
| Noninterest income to average assets | 0.6968% | 2,908 |
| Noninterest expense to average assets | 2.9118% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8665% | 462 |
| Return on assets (ROA) | 1.8665% | 515 |
| Pretax return on assets | 1.8665% | 866 |
| Return on Equity (ROE) | 12.8397% | 1,432 |
| Retained earnings to average equity (ytd only) | -10.6998% | 7,174 |
| Net charge-offs to loans | -0.1229% | 7,932 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9375% | 6,261 |
| Assets per employee ($millions) | 3.1925% | 5,613 |
| Cash dividends to net income (ytd only)* | 183.3333% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 6,345 |
| Loan loss allowance to noncurrent loans | 53.8028% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 1.6163% | 3,496 |
| Noncurrent loans to loans | 1.8128% | 3,543 |
| Net loans and leases to total assets | 60.7424% | 5,543 |
| Net loans and leases to deposits | 72.3771% | 5,697 |
| Net loans and leases to core deposits | 82.7374% | 6,167 |
| Total domestic deposits to total assets | 83.9248% | 3,744 |
| Equity capital to assets | 14.5309% | 1,226 |
| Core capital (leverage) ratio | 14.3794% | 1,112 |
| Tier 1 risk-based capital ratio | 19.7339% | 1,669 |
| Total risk-based capital ratio | 20.5563% | 1,710 |
| Memoranda: | ||
| Average total assets | $32,145,500 | 7,563 |
| Average earning assets | $29,249,000 | 7,555 |
| Average equity | $4,673,000 | 7,231 |
| Average total loans | $19,524,500 | 7,403 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7017% | 2,021 |
| Cost of funding earning assets | 2.2065% | 5,569 |
| Net interest margin | 4.4952% | 1,437 |
| Noninterest income to average assets | 0.6524% | 3,456 |
| Noninterest expense to average assets | 2.7748% | 4,930 |
| Loan and lease loss provision to assets | 0.1092% | 5,976 |
| Net operating income to assets | 1.8572% | 480 |
| Return on assets (ROA) | 1.8572% | 470 |
| Pretax return on assets | 1.8697% | 816 |
| Return on Equity (ROE) | 13.2087% | 1,280 |
| Retained earnings to average equity (ytd only) | 3.7739% | 2,782 |
| Net charge-offs to loans | 0.0972% | 5,355 |
| Credit loss provision to net charge-offs | 184.2105% | 2,694 |
| Earnings coverage of net charge-offs (x) | 33.3684% | 1,082 |
| Efficiency ratio | 58.3716% | 6,630 |
| Assets per employee ($millions) | 3.2366% | 5,375 |
| Cash dividends to net income (ytd only)* | 71.4286% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 6,423 |
| Loan loss allowance to noncurrent loans | 79.6537% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.2111% | 3,820 |
| Noncurrent loans to loans | 1.1867% | 4,136 |
| Net loans and leases to total assets | 59.5749% | 5,972 |
| Net loans and leases to deposits | 70.9419% | 6,176 |
| Net loans and leases to core deposits | 79.5692% | 6,646 |
| Total domestic deposits to total assets | 83.9770% | 3,334 |
| Equity capital to assets | 14.5430% | 1,285 |
| Core capital (leverage) ratio | 14.8424% | 1,067 |
| Tier 1 risk-based capital ratio | 20.5715% | 1,527 |
| Total risk-based capital ratio | 21.3755% | 1,563 |
| Memoranda: | ||
| Average total assets | $32,038,000 | 7,560 |
| Average earning assets | $29,231,200 | 7,556 |
| Average equity | $4,504,600 | 7,330 |
| Average total loans | $19,548,400 | 7,365 |