Home > Farmers State Bank, Spencer > Performance and Condition Ratios
Farmers State Bank, Spencer, Performance and Condition Ratios
| 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 | 4.4076% | 1,797 |
| Cost of funding earning assets | 0.8820% | 326 |
| Net interest margin | 3.5256% | 3,333 |
| Noninterest income to average assets | 0.2475% | 4,941 |
| Noninterest expense to average assets | 2.4153% | 4,262 |
| Loan and lease loss provision to assets | 0.7292% | 161 |
| Net operating income to assets | 0.3447% | 5,096 |
| Return on assets (ROA) | 0.3911% | 5,055 |
| Pretax return on assets | 0.3911% | 5,238 |
| Return on Equity (ROE) | 3.5922% | 4,982 |
| Retained earnings to average equity (ytd only) | 3.5922% | 3,368 |
| Net charge-offs to loans | 0.5073% | 486 |
| Credit loss provision to net charge-offs | 173.6842% | 1,599 |
| Earnings coverage of net charge-offs (x) | 2.5579% | 3,811 |
| Efficiency ratio | 69.2210% | 3,036 |
| Assets per employee ($millions) | 6.2066% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 3,691 |
| Loan loss allowance to noncurrent loans | 155.1095% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 3,081 |
| Noncurrent loans to loans | 0.7116% | 2,760 |
| Net loans and leases to total assets | 76.6963% | 1,407 |
| Net loans and leases to deposits | 91.9455% | 1,464 |
| Net loans and leases to core deposits | 102.8354% | 1,379 |
| Total domestic deposits to total assets | 83.4149% | 3,624 |
| Equity capital to assets | 11.5441% | 2,131 |
| Core capital (leverage) ratio | 11.3848% | 2,021 |
| Tier 1 risk-based capital ratio | 13.6789% | 3,662 |
| Total risk-based capital ratio | 14.7254% | 3,682 |
| Memoranda: | ||
| Average total assets | $45,253,000 | 5,436 |
| Average earning assets | $41,609,800 | 5,429 |
| Average equity | $4,927,400 | 5,480 |
| Average total loans | $37,456,400 | 4,966 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4801% | 1,606 |
| Cost of funding earning assets | 0.8501% | 382 |
| Net interest margin | 3.6300% | 2,966 |
| Noninterest income to average assets | 0.2657% | 4,871 |
| Noninterest expense to average assets | 2.4520% | 4,128 |
| Loan and lease loss provision to assets | 0.8153% | 132 |
| Net operating income to assets | 0.3382% | 5,190 |
| Return on assets (ROA) | 0.4016% | 5,109 |
| Pretax return on assets | 0.4016% | 5,304 |
| Return on Equity (ROE) | 3.7520% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.7520% | 3,634 |
| Net charge-offs to loans | 0.6811% | 277 |
| Credit loss provision to net charge-offs | 142.1053% | 1,840 |
| Earnings coverage of net charge-offs (x) | 2.0105% | 3,628 |
| Efficiency ratio | 68.0067% | 3,225 |
| Assets per employee ($millions) | 6.7077% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 4,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 81.6203% | 670 |
| Net loans and leases to deposits | 96.6801% | 979 |
| Net loans and leases to core deposits | 111.5691% | 832 |
| Total domestic deposits to total assets | 84.4231% | 3,055 |
| Equity capital to assets | 10.1184% | 4,020 |
| Core capital (leverage) ratio | 9.7568% | 3,867 |
| Tier 1 risk-based capital ratio | 11.2296% | 5,239 |
| Total risk-based capital ratio | 12.1289% | 5,347 |
| Memoranda: | ||
| Average total assets | $44,153,000 | 5,517 |
| Average earning assets | $40,623,000 | 5,507 |
| Average equity | $4,726,250 | 5,578 |
| Average total loans | $37,193,750 | 5,020 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4699% | 1,607 |
| Cost of funding earning assets | 0.7980% | 501 |
| Net interest margin | 3.6719% | 2,819 |
| Noninterest income to average assets | 0.2915% | 4,701 |
| Noninterest expense to average assets | 2.5637% | 3,843 |
| Loan and lease loss provision to assets | 0.3239% | 527 |
| Net operating income to assets | 0.7682% | 3,459 |
| Return on assets (ROA) | 0.8654% | 3,143 |
| Pretax return on assets | 0.8654% | 4,066 |
| Return on Equity (ROE) | 7.9271% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.9271% | 1,195 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1266% | 2,961 |
| Assets per employee ($millions) | 6.7837% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 5,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 84.6755% | 370 |
| Net loans and leases to deposits | 100.2868% | 677 |
| Net loans and leases to core deposits | 115.5232% | 653 |
| Total domestic deposits to total assets | 84.4333% | 3,111 |
| Equity capital to assets | 10.1209% | 4,069 |
| Core capital (leverage) ratio | 10.3090% | 3,185 |
| Tier 1 risk-based capital ratio | 10.7850% | 5,533 |
| Total risk-based capital ratio | 11.6173% | 5,651 |
| Memoranda: | ||
| Average total assets | $43,219,330 | 5,601 |
| Average earning assets | $39,598,330 | 5,599 |
| Average equity | $4,718,000 | 5,636 |
| Average total loans | $36,695,330 | 5,083 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 1,728 |
| Cost of funding earning assets | 0.7516% | 628 |
| Net interest margin | 3.6734% | 2,788 |
| Noninterest income to average assets | 0.1655% | 5,499 |
| Noninterest expense to average assets | 2.5215% | 4,006 |
| Loan and lease loss provision to assets | 0.2921% | 545 |
| Net operating income to assets | 0.7302% | 3,581 |
| Return on assets (ROA) | 0.9346% | 2,692 |
| Pretax return on assets | 0.9346% | 3,712 |
| Return on Equity (ROE) | 8.2157% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.2157% | 1,368 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1538% | 2,928 |
| Assets per employee ($millions) | 5.9391% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 5,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 88.3677% | 101 |
| Net loans and leases to deposits | 107.1047% | 305 |
| Net loans and leases to core deposits | 128.1364% | 299 |
| Total domestic deposits to total assets | 82.5059% | 4,064 |
| Equity capital to assets | 11.3316% | 2,593 |
| Core capital (leverage) ratio | 11.1863% | 2,236 |
| Tier 1 risk-based capital ratio | 11.3273% | 5,331 |
| Total risk-based capital ratio | 12.1122% | 5,477 |
| Memoranda: | ||
| Average total assets | $41,086,000 | 5,693 |
| Average earning assets | $37,785,000 | 5,689 |
| Average equity | $4,674,000 | 5,688 |
| Average total loans | $34,761,000 | 5,187 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 2,940 |
| Cost of funding earning assets | 0.5616% | 1,662 |
| Net interest margin | 3.5333% | 3,404 |
| Noninterest income to average assets | 0.1885% | 5,467 |
| Noninterest expense to average assets | 2.8752% | 2,947 |
| Loan and lease loss provision to assets | 0.3447% | 437 |
| Net operating income to assets | 0.2121% | 5,549 |
| Return on assets (ROA) | 0.2298% | 5,582 |
| Pretax return on assets | 0.2298% | 5,647 |
| Return on Equity (ROE) | 1.8207% | 5,615 |
| Retained earnings to average equity (ytd only) | 1.8207% | 4,689 |
| Net charge-offs to loans | -0.0224% | 5,303 |
| Credit loss provision to net charge-offs | -1,950.0000% | 5,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7768% | 1,198 |
| Assets per employee ($millions) | 5.7997% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 5,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.2748% | 951 |
| Net loans and leases to deposits | 100.8365% | 620 |
| Net loans and leases to core deposits | 126.3257% | 325 |
| Total domestic deposits to total assets | 78.6172% | 5,045 |
| Equity capital to assets | 11.4217% | 2,425 |
| Core capital (leverage) ratio | 11.2999% | 2,121 |
| Tier 1 risk-based capital ratio | 12.1182% | 4,876 |
| Total risk-based capital ratio | 12.8955% | 5,079 |
| Memoranda: | ||
| Average total assets | $33,945,600 | 5,891 |
| Average earning assets | $31,160,800 | 5,876 |
| Average equity | $4,284,000 | 5,801 |
| Average total loans | $26,816,400 | 5,495 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 3,613 |
| Cost of funding earning assets | 0.4929% | 2,287 |
| Net interest margin | 3.4412% | 3,791 |
| Noninterest income to average assets | 0.2024% | 5,428 |
| Noninterest expense to average assets | 2.8663% | 2,953 |
| Loan and lease loss provision to assets | 0.1115% | 2,022 |
| Net operating income to assets | 0.3965% | 5,175 |
| Return on assets (ROA) | 0.3841% | 5,299 |
| Pretax return on assets | 0.3841% | 5,493 |
| Return on Equity (ROE) | 2.9554% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.9554% | 4,346 |
| Net charge-offs to loans | -0.0105% | 5,002 |
| Credit loss provision to net charge-offs | -1,350.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9449% | 1,087 |
| Assets per employee ($millions) | 5.5417% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6021% | 5,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 81.2848% | 668 |
| Net loans and leases to deposits | 100.1843% | 651 |
| Net loans and leases to core deposits | 132.5487% | 244 |
| Total domestic deposits to total assets | 81.1353% | 4,439 |
| Equity capital to assets | 10.9739% | 3,058 |
| Core capital (leverage) ratio | 11.8238% | 1,798 |
| Tier 1 risk-based capital ratio | 11.6677% | 5,284 |
| Total risk-based capital ratio | 12.2183% | 5,578 |
| Memoranda: | ||
| Average total assets | $32,282,500 | 6,003 |
| Average earning assets | $29,756,250 | 5,981 |
| Average equity | $4,195,750 | 5,900 |
| Average total loans | $25,403,250 | 5,598 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 3,456 |
| Cost of funding earning assets | 0.4174% | 3,063 |
| Net interest margin | 3.5405% | 3,335 |
| Noninterest income to average assets | 0.2325% | 5,300 |
| Noninterest expense to average assets | 2.9821% | 2,609 |
| Loan and lease loss provision to assets | 0.1196% | 1,851 |
| Net operating income to assets | 0.3985% | 5,140 |
| Return on assets (ROA) | 0.3786% | 5,324 |
| Pretax return on assets | 0.3786% | 5,518 |
| Return on Equity (ROE) | 2.7303% | 5,499 |
| Retained earnings to average equity (ytd only) | 2.7303% | 4,320 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1992% | 1,129 |
| Assets per employee ($millions) | 5.3965% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7037% | 5,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 78.4459% | 1,009 |
| Net loans and leases to deposits | 90.2886% | 1,561 |
| Net loans and leases to core deposits | 122.7112% | 397 |
| Total domestic deposits to total assets | 86.8835% | 2,230 |
| Equity capital to assets | 12.9868% | 1,414 |
| Core capital (leverage) ratio | 12.9063% | 1,207 |
| Tier 1 risk-based capital ratio | 13.3801% | 4,287 |
| Total risk-based capital ratio | 13.9819% | 4,581 |
| Memoranda: | ||
| Average total assets | $30,112,670 | 6,111 |
| Average earning assets | $27,793,000 | 6,087 |
| Average equity | $4,175,330 | 5,963 |
| Average total loans | $23,296,670 | 5,732 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8086% | 3,978 |
| Cost of funding earning assets | 0.3124% | 4,304 |
| Net interest margin | 3.4962% | 3,453 |
| Noninterest income to average assets | 0.2899% | 4,856 |
| Noninterest expense to average assets | 2.8986% | 2,910 |
| Loan and lease loss provision to assets | 0.1242% | 1,671 |
| Net operating income to assets | 0.4806% | 4,761 |
| Return on assets (ROA) | 0.4417% | 5,025 |
| Pretax return on assets | 0.4693% | 5,262 |
| Return on Equity (ROE) | 3.0766% | 5,342 |
| Retained earnings to average equity (ytd only) | 3.0766% | 4,134 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0313% | 1,612 |
| Assets per employee ($millions) | 4.9360% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7379% | 5,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 77.6675% | 971 |
| Net loans and leases to deposits | 90.5127% | 1,337 |
| Net loans and leases to core deposits | 123.7931% | 329 |
| Total domestic deposits to total assets | 85.8083% | 3,035 |
| Equity capital to assets | 14.1376% | 941 |
| Core capital (leverage) ratio | 13.3081% | 1,048 |
| Tier 1 risk-based capital ratio | 14.3162% | 3,820 |
| Total risk-based capital ratio | 14.9671% | 4,114 |
| Memoranda: | ||
| Average total assets | $28,979,500 | 6,189 |
| Average earning assets | $26,886,500 | 6,164 |
| Average equity | $4,160,500 | 6,019 |
| Average total loans | $22,155,000 | 5,818 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3871% | 5,558 |
| Cost of funding earning assets | 0.2903% | 4,888 |
| Net interest margin | 3.0967% | 5,213 |
| Noninterest income to average assets | 0.2662% | 5,222 |
| Noninterest expense to average assets | 3.0897% | 2,555 |
| Loan and lease loss provision to assets | 0.6022% | 233 |
| Net operating income to assets | -0.4931% | 6,296 |
| Return on assets (ROA) | -0.4844% | 6,295 |
| Pretax return on assets | -0.4844% | 6,286 |
| Return on Equity (ROE) | -3.9507% | 6,267 |
| Retained earnings to average equity (ytd only) | -3.9507% | 6,137 |
| Net charge-offs to loans | -0.0071% | 5,510 |
| Credit loss provision to net charge-offs | -13,800.0000% | 6,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5894% | 480 |
| Assets per employee ($millions) | 5.6686% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7664% | 5,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 74.0042% | 1,581 |
| Net loans and leases to deposits | 86.6986% | 1,887 |
| Net loans and leases to core deposits | 106.8137% | 964 |
| Total domestic deposits to total assets | 85.3579% | 3,139 |
| Equity capital to assets | 14.5856% | 788 |
| Core capital (leverage) ratio | 13.4739% | 975 |
| Tier 1 risk-based capital ratio | 15.1561% | 3,411 |
| Total risk-based capital ratio | 15.8199% | 3,669 |
| Memoranda: | ||
| Average total assets | $22,914,800 | 6,373 |
| Average earning assets | $21,700,200 | 6,338 |
| Average equity | $2,809,600 | 6,302 |
| Average total loans | $14,182,600 | 6,186 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1992% | 5,901 |
| Cost of funding earning assets | 0.2861% | 5,031 |
| Net interest margin | 2.9131% | 5,675 |
| Noninterest income to average assets | 0.1484% | 6,026 |
| Noninterest expense to average assets | 2.9316% | 3,018 |
| Loan and lease loss provision to assets | -0.0062% | 6,080 |
| Net operating income to assets | -0.0062% | 6,147 |
| Return on assets (ROA) | -0.0062% | 6,161 |
| Pretax return on assets | -0.0062% | 6,151 |
| Return on Equity (ROE) | -0.0537% | 6,160 |
| Retained earnings to average equity (ytd only) | -0.0537% | 5,803 |
| Net charge-offs to loans | 0.0107% | 4,362 |
| Credit loss provision to net charge-offs | -100.0000% | 5,447 |
| Earnings coverage of net charge-offs (x) | -2.0075% | 4,568 |
| Efficiency ratio | 100.4237% | 352 |
| Assets per employee ($millions) | 5.2506% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1170% | 6,514 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 6,077 |
| Noncurrent loans to loans | 0.0334% | 5,894 |
| Net loans and leases to total assets | 68.2817% | 2,483 |
| Net loans and leases to deposits | 81.3376% | 2,509 |
| Net loans and leases to core deposits | 81.3376% | 3,169 |
| Total domestic deposits to total assets | 83.9485% | 3,789 |
| Equity capital to assets | 16.0058% | 567 |
| Core capital (leverage) ratio | 15.3658% | 570 |
| Tier 1 risk-based capital ratio | 17.2956% | 2,479 |
| Total risk-based capital ratio | 17.3919% | 2,943 |
| Memoranda: | ||
| Average total assets | $21,557,750 | 6,465 |
| Average earning assets | $20,504,750 | 6,436 |
| Average equity | $2,478,500 | 6,431 |
| Average total loans | $12,444,000 | 6,315 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2047% | 5,944 |
| Cost of funding earning assets | 0.2723% | 5,266 |
| Net interest margin | 2.9324% | 5,673 |
| Noninterest income to average assets | 0.2501% | 5,410 |
| Noninterest expense to average assets | 3.1011% | 2,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0500% | 6,223 |
| Return on assets (ROA) | -0.0500% | 6,239 |
| Pretax return on assets | -0.0500% | 6,224 |
| Return on Equity (ROE) | -0.5252% | 6,245 |
| Retained earnings to average equity (ytd only) | -0.5252% | 5,778 |
| Net charge-offs to loans | 0.0566% | 3,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.6667% | 4,234 |
| Efficiency ratio | 101.6393% | 363 |
| Assets per employee ($millions) | 4.5022% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 1,891 |
| Loan loss allowance to noncurrent loans | 302.8169% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 5,113 |
| Noncurrent loans to loans | 0.5881% | 4,259 |
| Net loans and leases to total assets | 52.6765% | 4,675 |
| Net loans and leases to deposits | 57.7200% | 5,067 |
| Net loans and leases to core deposits | 57.7200% | 5,294 |
| Total domestic deposits to total assets | 91.2620% | 322 |
| Equity capital to assets | 8.6447% | 5,672 |
| Core capital (leverage) ratio | 8.7719% | 5,302 |
| Tier 1 risk-based capital ratio | 12.6928% | 5,091 |
| Total risk-based capital ratio | 13.9460% | 5,032 |
| Memoranda: | ||
| Average total assets | $19,992,670 | 6,552 |
| Average earning assets | $19,097,000 | 6,522 |
| Average equity | $1,904,000 | 6,551 |
| Average total loans | $10,609,670 | 6,432 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0651% | 6,167 |
| Cost of funding earning assets | 0.2014% | 5,980 |
| Net interest margin | 2.8638% | 5,825 |
| Noninterest income to average assets | 0.2989% | 4,968 |
| Noninterest expense to average assets | 3.0106% | 2,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0214% | 6,181 |
| Return on assets (ROA) | 0.0214% | 6,200 |
| Pretax return on assets | 0.0214% | 6,193 |
| Return on Equity (ROE) | 0.2124% | 6,199 |
| Retained earnings to average equity (ytd only) | 0.2124% | 5,486 |
| Net charge-offs to loans | 0.2025% | 1,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.2000% | 3,394 |
| Efficiency ratio | 99.2958% | 490 |
| Assets per employee ($millions) | 4.3294% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 2,195 |
| Loan loss allowance to noncurrent loans | 162.5954% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 4,325 |
| Noncurrent loans to loans | 1.0775% | 3,264 |
| Net loans and leases to total assets | 55.1809% | 4,258 |
| Net loans and leases to deposits | 60.5638% | 4,703 |
| Net loans and leases to core deposits | 60.5638% | 4,984 |
| Total domestic deposits to total assets | 91.1119% | 526 |
| Equity capital to assets | 8.8280% | 5,298 |
| Core capital (leverage) ratio | 11.4633% | 1,991 |
| Tier 1 risk-based capital ratio | 12.6548% | 5,219 |
| Total risk-based capital ratio | 13.9063% | 5,152 |
| Memoranda: | ||
| Average total assets | $18,733,500 | 6,647 |
| Average earning assets | $17,878,500 | 6,610 |
| Average equity | $1,883,000 | 6,617 |
| Average total loans | $9,878,000 | 6,521 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 5,116 |
| Cost of funding earning assets | 0.2832% | 5,736 |
| Net interest margin | 3.4230% | 4,193 |
| Noninterest income to average assets | 0.3941% | 4,489 |
| Noninterest expense to average assets | 3.7326% | 1,236 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.1159% | 6,316 |
| Return on assets (ROA) | -0.1159% | 6,334 |
| Pretax return on assets | -0.1159% | 6,302 |
| Return on Equity (ROE) | -1.0122% | 6,326 |
| Retained earnings to average equity (ytd only) | -2.0245% | 6,178 |
| Net charge-offs to loans | 0.2510% | 2,465 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -1.0526% | 5,265 |
| Efficiency ratio | 103.2051% | 391 |
| Assets per employee ($millions) | 3.1640% | 5,561 |
| Cash dividends to net income (ytd only)* | -100.0000% | 6,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8692% | 544 |
| Loan loss allowance to noncurrent loans | 403.7037% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 5,246 |
| Noncurrent loans to loans | 0.7107% | 4,189 |
| Net loans and leases to total assets | 46.6498% | 5,428 |
| Net loans and leases to deposits | 55.3638% | 5,358 |
| Net loans and leases to core deposits | 55.3638% | 5,588 |
| Total domestic deposits to total assets | 84.2604% | 4,070 |
| Equity capital to assets | 11.7257% | 2,009 |
| Core capital (leverage) ratio | 11.9835% | 1,620 |
| Tier 1 risk-based capital ratio | 17.6105% | 2,373 |
| Total risk-based capital ratio | 18.8728% | 2,348 |
| Memoranda: | ||
| Average total assets | $17,253,400 | 6,737 |
| Average earning assets | $16,243,200 | 6,718 |
| Average equity | $1,975,800 | 6,690 |
| Average total loans | $7,570,200 | 6,666 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6909% | 5,187 |
| Cost of funding earning assets | 0.2908% | 5,805 |
| Net interest margin | 3.4002% | 4,287 |
| Noninterest income to average assets | 0.4164% | 4,399 |
| Noninterest expense to average assets | 3.6869% | 1,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0833% | 6,367 |
| Return on assets (ROA) | -0.0833% | 6,407 |
| Pretax return on assets | -0.0833% | 6,385 |
| Return on Equity (ROE) | -0.7313% | 6,404 |
| Retained earnings to average equity (ytd only) | -0.7313% | 6,088 |
| Net charge-offs to loans | 0.2291% | 2,434 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.8465% | 4,996 |
| Efficiency ratio | 102.3109% | 396 |
| Assets per employee ($millions) | 3.3392% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0007% | 550 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.5031% | 4,940 |
| Noncurrent loans to loans | 1.1253% | 3,555 |
| Net loans and leases to total assets | 43.3697% | 5,784 |
| Net loans and leases to deposits | 49.1182% | 5,896 |
| Net loans and leases to core deposits | 49.1182% | 6,063 |
| Total domestic deposits to total assets | 88.2966% | 1,941 |
| Equity capital to assets | 11.5177% | 2,292 |
| Core capital (leverage) ratio | 11.8495% | 1,771 |
| Tier 1 risk-based capital ratio | 18.1761% | 2,258 |
| Total risk-based capital ratio | 19.4570% | 2,211 |
| Memoranda: | ||
| Average total assets | $17,611,750 | 6,809 |
| Average earning assets | $16,508,500 | 6,788 |
| Average equity | $2,006,000 | 6,768 |
| Average total loans | $7,563,250 | 6,742 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6166% | 5,382 |
| Cost of funding earning assets | 0.2865% | 5,931 |
| Net interest margin | 3.3302% | 4,447 |
| Noninterest income to average assets | 0.4242% | 4,348 |
| Noninterest expense to average assets | 3.6613% | 1,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1228% | 6,429 |
| Return on assets (ROA) | -0.1228% | 6,476 |
| Pretax return on assets | -0.1228% | 6,446 |
| Return on Equity (ROE) | -1.0818% | 6,463 |
| Retained earnings to average equity (ytd only) | -1.0818% | 6,067 |
| Net charge-offs to loans | 0.3686% | 1,731 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.7857% | 4,692 |
| Efficiency ratio | 103.4700% | 390 |
| Assets per employee ($millions) | 3.5130% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1080% | 525 |
| Loan loss allowance to noncurrent loans | 176.9841% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 4,425 |
| Noncurrent loans to loans | 1.7561% | 2,691 |
| Net loans and leases to total assets | 39.5787% | 6,071 |
| Net loans and leases to deposits | 44.5270% | 6,195 |
| Net loans and leases to core deposits | 44.5270% | 6,311 |
| Total domestic deposits to total assets | 88.8870% | 1,692 |
| Equity capital to assets | 10.9821% | 2,774 |
| Core capital (leverage) ratio | 11.3291% | 2,072 |
| Tier 1 risk-based capital ratio | 18.4186% | 2,168 |
| Total risk-based capital ratio | 19.7166% | 2,115 |
| Memoranda: | ||
| Average total assets | $17,917,000 | 6,855 |
| Average earning assets | $16,756,000 | 6,833 |
| Average equity | $2,033,670 | 6,814 |
| Average total loans | $7,596,000 | 6,789 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9013% | 4,467 |
| Cost of funding earning assets | 0.3074% | 5,914 |
| Net interest margin | 3.5939% | 3,288 |
| Noninterest income to average assets | 0.3758% | 4,660 |
| Noninterest expense to average assets | 3.4046% | 1,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2211% | 5,819 |
| Return on assets (ROA) | 0.2211% | 5,942 |
| Pretax return on assets | 0.3316% | 5,769 |
| Return on Equity (ROE) | 1.9175% | 5,965 |
| Retained earnings to average equity (ytd only) | 1.9175% | 5,040 |
| Net charge-offs to loans | 0.7686% | 794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,503 |
| Efficiency ratio | 91.1243% | 1,058 |
| Assets per employee ($millions) | 3.6146% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8891% | 739 |
| Loan loss allowance to noncurrent loans | 207.4766% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 4,908 |
| Noncurrent loans to loans | 1.3925% | 3,477 |
| Net loans and leases to total assets | 41.2881% | 5,892 |
| Net loans and leases to deposits | 46.7105% | 6,011 |
| Net loans and leases to core deposits | 46.7105% | 6,170 |
| Total domestic deposits to total assets | 88.3915% | 2,071 |
| Equity capital to assets | 11.4978% | 2,413 |
| Core capital (leverage) ratio | 11.2514% | 2,054 |
| Tier 1 risk-based capital ratio | 17.8843% | 2,417 |
| Total risk-based capital ratio | 19.1673% | 2,364 |
| Memoranda: | ||
| Average total assets | $18,093,000 | 6,924 |
| Average earning assets | $16,917,500 | 6,899 |
| Average equity | $2,086,000 | 6,871 |
| Average total loans | $7,806,500 | 6,853 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 3,725 |
| Cost of funding earning assets | 0.3840% | 6,022 |
| Net interest margin | 4.0377% | 2,244 |
| Noninterest income to average assets | 0.4051% | 4,565 |
| Noninterest expense to average assets | 3.8311% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2141% | 5,749 |
| Return on assets (ROA) | 0.2141% | 5,937 |
| Pretax return on assets | 0.3472% | 5,726 |
| Return on Equity (ROE) | 1.7790% | 5,966 |
| Retained earnings to average equity (ytd only) | 0.8174% | 5,456 |
| Net charge-offs to loans | 0.4467% | 2,444 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 4,604 |
| Efficiency ratio | 91.6898% | 941 |
| Assets per employee ($millions) | 3.6226% | 4,727 |
| Cash dividends to net income (ytd only)* | 54.0541% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9890% | 674 |
| Loan loss allowance to noncurrent loans | 154.9020% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8447% | 4,365 |
| Noncurrent loans to loans | 1.9296% | 2,772 |
| Net loans and leases to total assets | 42.4667% | 5,951 |
| Net loans and leases to deposits | 48.1051% | 6,103 |
| Net loans and leases to core deposits | 48.1051% | 6,263 |
| Total domestic deposits to total assets | 88.2791% | 2,041 |
| Equity capital to assets | 11.5608% | 2,387 |
| Core capital (leverage) ratio | 11.6229% | 1,787 |
| Tier 1 risk-based capital ratio | 17.9447% | 2,275 |
| Total risk-based capital ratio | 19.2488% | 2,232 |
| Memoranda: | ||
| Average total assets | $17,279,600 | 6,999 |
| Average earning assets | $16,147,800 | 6,974 |
| Average equity | $2,079,800 | 6,940 |
| Average total loans | $8,059,800 | 6,913 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 3,708 |
| Cost of funding earning assets | 0.4175% | 6,007 |
| Net interest margin | 4.0658% | 2,227 |
| Noninterest income to average assets | 0.3905% | 4,704 |
| Noninterest expense to average assets | 3.5380% | 1,677 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4373% | 5,090 |
| Return on assets (ROA) | 0.4373% | 5,326 |
| Pretax return on assets | 0.6560% | 4,991 |
| Return on Equity (ROE) | 3.5959% | 5,456 |
| Retained earnings to average equity (ytd only) | 3.5959% | 4,347 |
| Net charge-offs to loans | 0.6096% | 1,804 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.2704% | 4,130 |
| Efficiency ratio | 84.3575% | 1,550 |
| Assets per employee ($millions) | 3.3838% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6913% | 990 |
| Loan loss allowance to noncurrent loans | 150.3185% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 4,428 |
| Noncurrent loans to loans | 1.7904% | 3,089 |
| Net loans and leases to total assets | 50.4344% | 5,257 |
| Net loans and leases to deposits | 59.4386% | 5,265 |
| Net loans and leases to core deposits | 59.4386% | 5,611 |
| Total domestic deposits to total assets | 84.8514% | 3,816 |
| Equity capital to assets | 12.5776% | 1,836 |
| Core capital (leverage) ratio | 12.1322% | 1,571 |
| Tier 1 risk-based capital ratio | 17.2194% | 2,640 |
| Total risk-based capital ratio | 18.4803% | 2,592 |
| Memoranda: | ||
| Average total assets | $17,071,250 | 7,095 |
| Average earning assets | $15,970,250 | 7,068 |
| Average equity | $2,076,250 | 7,032 |
| Average total loans | $8,092,500 | 7,005 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 4,238 |
| Cost of funding earning assets | 0.4524% | 5,957 |
| Net interest margin | 3.9333% | 2,775 |
| Noninterest income to average assets | 0.4088% | 4,588 |
| Noninterest expense to average assets | 3.5743% | 1,633 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3271% | 5,511 |
| Return on assets (ROA) | 0.3271% | 5,724 |
| Pretax return on assets | 0.4906% | 5,469 |
| Return on Equity (ROE) | 2.7198% | 5,800 |
| Retained earnings to average equity (ytd only) | 2.7198% | 4,811 |
| Net charge-offs to loans | 1.0169% | 1,087 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.0500% | 4,498 |
| Efficiency ratio | 87.9310% | 1,242 |
| Assets per employee ($millions) | 3.5036% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7971% | 950 |
| Loan loss allowance to noncurrent loans | 160.6897% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 4,734 |
| Noncurrent loans to loans | 1.7407% | 3,293 |
| Net loans and leases to total assets | 46.2210% | 5,802 |
| Net loans and leases to deposits | 52.4825% | 5,994 |
| Net loans and leases to core deposits | 52.4825% | 6,200 |
| Total domestic deposits to total assets | 88.0694% | 2,097 |
| Equity capital to assets | 11.8507% | 2,268 |
| Core capital (leverage) ratio | 11.9418% | 1,631 |
| Tier 1 risk-based capital ratio | 17.6086% | 2,432 |
| Total risk-based capital ratio | 18.8985% | 2,386 |
| Memoranda: | ||
| Average total assets | $17,122,000 | 7,157 |
| Average earning assets | $15,915,330 | 7,133 |
| Average equity | $2,059,000 | 7,083 |
| Average total loans | $7,867,000 | 7,074 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 4,765 |
| Cost of funding earning assets | 0.4573% | 6,101 |
| Net interest margin | 3.8360% | 3,212 |
| Noninterest income to average assets | 0.4254% | 4,478 |
| Noninterest expense to average assets | 3.3089% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4491% | 5,038 |
| Return on assets (ROA) | 0.4491% | 5,232 |
| Pretax return on assets | 0.6854% | 4,838 |
| Return on Equity (ROE) | 3.7064% | 5,424 |
| Retained earnings to average equity (ytd only) | 3.7064% | 4,362 |
| Net charge-offs to loans | 1.9907% | 473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.7632% | 3,954 |
| Efficiency ratio | 82.8402% | 1,821 |
| Assets per employee ($millions) | 3.3960% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8134% | 994 |
| Loan loss allowance to noncurrent loans | 121.7617% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1366% | 4,232 |
| Noncurrent loans to loans | 2.3105% | 2,796 |
| Net loans and leases to total assets | 47.8092% | 5,580 |
| Net loans and leases to deposits | 54.5088% | 5,758 |
| Net loans and leases to core deposits | 54.5088% | 6,023 |
| Total domestic deposits to total assets | 87.7091% | 2,518 |
| Equity capital to assets | 12.2085% | 1,910 |
| Core capital (leverage) ratio | 11.9429% | 1,620 |
| Tier 1 risk-based capital ratio | 18.1038% | 2,249 |
| Total risk-based capital ratio | 19.3656% | 2,217 |
| Memoranda: | ||
| Average total assets | $16,924,000 | 7,217 |
| Average earning assets | $15,745,500 | 7,200 |
| Average equity | $2,050,500 | 7,139 |
| Average total loans | $7,635,500 | 7,143 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 5,502 |
| Cost of funding earning assets | 0.5848% | 6,162 |
| Net interest margin | 3.7943% | 3,847 |
| Noninterest income to average assets | 0.4176% | 4,472 |
| Noninterest expense to average assets | 3.6438% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1634% | 5,696 |
| Return on assets (ROA) | 0.1634% | 5,832 |
| Pretax return on assets | 0.2300% | 5,715 |
| Return on Equity (ROE) | 1.3198% | 5,887 |
| Retained earnings to average equity (ytd only) | 0.3422% | 5,678 |
| Net charge-offs to loans | 0.5418% | 2,844 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.0556% | 4,997 |
| Efficiency ratio | 94.0625% | 922 |
| Assets per employee ($millions) | 3.3736% | 5,318 |
| Cash dividends to net income (ytd only)* | 74.0741% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9462% | 398 |
| Loan loss allowance to noncurrent loans | 105.8140% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.5295% | 3,660 |
| Noncurrent loans to loans | 3.7294% | 1,688 |
| Net loans and leases to total assets | 39.3941% | 6,579 |
| Net loans and leases to deposits | 44.8926% | 6,679 |
| Net loans and leases to core deposits | 45.1887% | 6,764 |
| Total domestic deposits to total assets | 87.7520% | 2,308 |
| Equity capital to assets | 12.0228% | 2,109 |
| Core capital (leverage) ratio | 11.7740% | 1,724 |
| Tier 1 risk-based capital ratio | 20.5687% | 1,505 |
| Total risk-based capital ratio | 21.8370% | 1,469 |
| Memoranda: | ||
| Average total assets | $16,521,400 | 7,264 |
| Average earning assets | $15,048,800 | 7,250 |
| Average equity | $2,045,800 | 7,201 |
| Average total loans | $6,644,800 | 7,222 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3380% | 5,824 |
| Cost of funding earning assets | 0.6146% | 6,216 |
| Net interest margin | 3.7233% | 4,237 |
| Noninterest income to average assets | 0.4138% | 4,557 |
| Noninterest expense to average assets | 3.4804% | 1,989 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2612% | 5,534 |
| Return on assets (ROA) | 0.2677% | 5,675 |
| Pretax return on assets | 0.3326% | 5,639 |
| Return on Equity (ROE) | 2.1461% | 5,724 |
| Retained earnings to average equity (ytd only) | 2.1461% | 5,059 |
| Net charge-offs to loans | 0.7705% | 2,023 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.0525% | 4,844 |
| Efficiency ratio | 91.4712% | 1,072 |
| Assets per employee ($millions) | 3.2308% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0715% | 370 |
| Loan loss allowance to noncurrent loans | 100.7435% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 1.6652% | 3,588 |
| Noncurrent loans to loans | 4.0415% | 1,641 |
| Net loans and leases to total assets | 39.5258% | 6,670 |
| Net loans and leases to deposits | 45.4028% | 6,766 |
| Net loans and leases to core deposits | 45.7149% | 6,855 |
| Total domestic deposits to total assets | 87.0558% | 2,619 |
| Equity capital to assets | 12.8389% | 1,693 |
| Core capital (leverage) ratio | 12.1919% | 1,599 |
| Tier 1 risk-based capital ratio | 23.4785% | 1,077 |
| Total risk-based capital ratio | 24.7488% | 1,055 |
| Memoranda: | ||
| Average total assets | $16,434,750 | 7,343 |
| Average earning assets | $14,968,250 | 7,326 |
| Average equity | $2,050,250 | 7,275 |
| Average total loans | $6,576,500 | 7,297 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 6,130 |
| Cost of funding earning assets | 0.6300% | 6,315 |
| Net interest margin | 3.6323% | 4,592 |
| Noninterest income to average assets | 0.3993% | 4,688 |
| Noninterest expense to average assets | 3.5212% | 1,932 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1210% | 5,961 |
| Return on assets (ROA) | 0.1210% | 6,049 |
| Pretax return on assets | 0.1573% | 6,008 |
| Return on Equity (ROE) | 0.9793% | 6,096 |
| Retained earnings to average equity (ytd only) | 0.9793% | 5,476 |
| Net charge-offs to loans | -0.1527% | 7,255 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7237% | 892 |
| Assets per employee ($millions) | 3.2766% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8948% | 199 |
| Loan loss allowance to noncurrent loans | 124.1107% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 1.5443% | 3,881 |
| Noncurrent loans to loans | 3.9439% | 1,756 |
| Net loans and leases to total assets | 37.2398% | 6,901 |
| Net loans and leases to deposits | 42.6256% | 6,968 |
| Net loans and leases to core deposits | 42.9104% | 7,044 |
| Total domestic deposits to total assets | 87.3650% | 2,539 |
| Equity capital to assets | 12.5130% | 1,770 |
| Core capital (leverage) ratio | 12.0055% | 1,593 |
| Tier 1 risk-based capital ratio | 24.1728% | 986 |
| Total risk-based capital ratio | 25.4843% | 957 |
| Memoranda: | ||
| Average total assets | $16,528,330 | 7,411 |
| Average earning assets | $14,921,670 | 7,400 |
| Average equity | $2,042,330 | 7,338 |
| Average total loans | $6,550,000 | 7,370 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0356% | 6,624 |
| Cost of funding earning assets | 0.6594% | 6,349 |
| Net interest margin | 3.3762% | 5,520 |
| Noninterest income to average assets | 0.4096% | 4,629 |
| Noninterest expense to average assets | 3.4938% | 2,018 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0000% | 6,348 |
| Return on assets (ROA) | 0.0000% | 6,378 |
| Pretax return on assets | 0.0000% | 6,352 |
| Return on Equity (ROE) | 0.0000% | 6,381 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,784 |
| Net charge-offs to loans | -0.1209% | 7,137 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 743 |
| Assets per employee ($millions) | 3.3092% | 5,453 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8754% | 220 |
| Loan loss allowance to noncurrent loans | 110.2837% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.7043% | 3,694 |
| Noncurrent loans to loans | 4.4208% | 1,589 |
| Net loans and leases to total assets | 36.6735% | 6,970 |
| Net loans and leases to deposits | 41.8772% | 7,028 |
| Net loans and leases to core deposits | 42.1477% | 7,106 |
| Total domestic deposits to total assets | 87.5740% | 2,626 |
| Equity capital to assets | 12.3111% | 1,731 |
| Core capital (leverage) ratio | 11.6703% | 1,760 |
| Tier 1 risk-based capital ratio | 24.8879% | 887 |
| Total risk-based capital ratio | 26.2575% | 861 |
| Memoranda: | ||
| Average total assets | $16,601,000 | 7,470 |
| Average earning assets | $15,165,000 | 7,453 |
| Average equity | $2,038,500 | 7,388 |
| Average total loans | $6,617,500 | 7,426 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2389% | 3,415 |
| Cost of funding earning assets | 0.9773% | 5,799 |
| Net interest margin | 4.2616% | 1,950 |
| Noninterest income to average assets | 0.3774% | 5,079 |
| Noninterest expense to average assets | 4.0174% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2496% | 5,108 |
| Return on assets (ROA) | 0.2496% | 5,264 |
| Pretax return on assets | 0.2617% | 5,332 |
| Return on Equity (ROE) | 1.9979% | 5,378 |
| Retained earnings to average equity (ytd only) | 1.0233% | 5,028 |
| Net charge-offs to loans | 0.0647% | 6,147 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 8.6000% | 1,953 |
| Efficiency ratio | 93.8834% | 1,067 |
| Assets per employee ($millions) | 2.7760% | 6,554 |
| Cash dividends to net income (ytd only)* | 48.7805% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5070% | 272 |
| Loan loss allowance to noncurrent loans | 133.7662% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 1.3869% | 4,263 |
| Noncurrent loans to loans | 3.3693% | 2,256 |
| Net loans and leases to total assets | 39.3072% | 7,008 |
| Net loans and leases to deposits | 44.9286% | 7,087 |
| Net loans and leases to core deposits | 45.2141% | 7,166 |
| Total domestic deposits to total assets | 87.4880% | 2,554 |
| Equity capital to assets | 12.2478% | 1,768 |
| Core capital (leverage) ratio | 12.2178% | 1,422 |
| Tier 1 risk-based capital ratio | 23.9437% | 937 |
| Total risk-based capital ratio | 25.3052% | 909 |
| Memoranda: | ||
| Average total assets | $16,428,400 | 7,544 |
| Average earning assets | $15,041,200 | 7,523 |
| Average equity | $2,052,200 | 7,496 |
| Average total loans | $7,723,400 | 7,476 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3123% | 3,289 |
| Cost of funding earning assets | 1.0484% | 5,703 |
| Net interest margin | 4.2640% | 1,975 |
| Noninterest income to average assets | 0.3584% | 5,302 |
| Noninterest expense to average assets | 3.5345% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6026% | 3,869 |
| Return on assets (ROA) | 0.6026% | 4,026 |
| Pretax return on assets | 0.7655% | 4,032 |
| Return on Equity (ROE) | 4.8004% | 4,409 |
| Retained earnings to average equity (ytd only) | 4.8004% | 3,130 |
| Net charge-offs to loans | 0.1344% | 5,223 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 11.7460% | 1,756 |
| Efficiency ratio | 82.1970% | 2,040 |
| Assets per employee ($millions) | 2.6368% | 6,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2435% | 302 |
| Loan loss allowance to noncurrent loans | 153.0000% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 1.2641% | 4,620 |
| Noncurrent loans to loans | 2.7735% | 2,866 |
| Net loans and leases to total assets | 43.6445% | 6,867 |
| Net loans and leases to deposits | 50.4051% | 6,990 |
| Net loans and leases to core deposits | 50.7422% | 7,094 |
| Total domestic deposits to total assets | 86.5874% | 2,766 |
| Equity capital to assets | 13.2609% | 1,469 |
| Core capital (leverage) ratio | 13.0113% | 1,225 |
| Tier 1 risk-based capital ratio | 15.7891% | 2,864 |
| Total risk-based capital ratio | 16.6868% | 2,998 |
| Memoranda: | ||
| Average total assets | $16,371,500 | 7,637 |
| Average earning assets | $15,134,250 | 7,617 |
| Average equity | $2,055,250 | 7,588 |
| Average total loans | $7,940,250 | 7,568 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3193% | 3,373 |
| Cost of funding earning assets | 1.1501% | 5,404 |
| Net interest margin | 4.1692% | 2,267 |
| Noninterest income to average assets | 0.3624% | 5,247 |
| Noninterest expense to average assets | 3.6364% | 1,693 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4591% | 4,510 |
| Return on assets (ROA) | 0.4591% | 4,670 |
| Pretax return on assets | 0.5799% | 4,628 |
| Return on Equity (ROE) | 3.7237% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.7237% | 3,732 |
| Net charge-offs to loans | 0.0244% | 5,999 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 620 |
| Efficiency ratio | 86.2464% | 1,680 |
| Assets per employee ($millions) | 2.6645% | 6,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1364% | 327 |
| Loan loss allowance to noncurrent loans | 130.9623% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 1.4950% | 4,214 |
| Noncurrent loans to loans | 3.1585% | 2,534 |
| Net loans and leases to total assets | 45.3744% | 6,817 |
| Net loans and leases to deposits | 52.2021% | 6,967 |
| Net loans and leases to core deposits | 52.9219% | 7,090 |
| Total domestic deposits to total assets | 86.9206% | 2,571 |
| Equity capital to assets | 12.9105% | 1,605 |
| Core capital (leverage) ratio | 11.8111% | 1,750 |
| Tier 1 risk-based capital ratio | 21.9373% | 1,214 |
| Total risk-based capital ratio | 23.2518% | 1,177 |
| Memoranda: | ||
| Average total assets | $16,555,000 | 7,702 |
| Average earning assets | $15,302,670 | 7,677 |
| Average equity | $2,041,000 | 7,654 |
| Average total loans | $8,183,330 | 7,623 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3077% | 3,511 |
| Cost of funding earning assets | 1.2368% | 5,192 |
| Net interest margin | 4.0710% | 2,563 |
| Noninterest income to average assets | 0.3563% | 5,286 |
| Noninterest expense to average assets | 3.5394% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4513% | 4,611 |
| Return on assets (ROA) | 0.4513% | 4,737 |
| Pretax return on assets | 0.5701% | 4,714 |
| Return on Equity (ROE) | 3.7448% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.7448% | 3,908 |
| Net charge-offs to loans | -0.3297% | 7,757 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1272% | 1,781 |
| Assets per employee ($millions) | 2.8322% | 6,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7734% | 445 |
| Loan loss allowance to noncurrent loans | 61.0266% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 3.0954% | 2,309 |
| Noncurrent loans to loans | 6.1831% | 1,051 |
| Net loans and leases to total assets | 48.1728% | 6,660 |
| Net loans and leases to deposits | 54.8402% | 6,861 |
| Net loans and leases to core deposits | 60.3776% | 6,717 |
| Total domestic deposits to total assets | 87.8421% | 2,145 |
| Equity capital to assets | 11.9755% | 2,055 |
| Core capital (leverage) ratio | 11.8545% | 1,721 |
| Tier 1 risk-based capital ratio | 19.1975% | 1,671 |
| Total risk-based capital ratio | 20.4661% | 1,644 |
| Memoranda: | ||
| Average total assets | $16,839,000 | 7,799 |
| Average earning assets | $15,524,500 | 7,770 |
| Average equity | $2,029,500 | 7,746 |
| Average total loans | $8,491,500 | 7,702 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9966% | 1,886 |
| Cost of funding earning assets | 1.8617% | 3,668 |
| Net interest margin | 4.1350% | 2,299 |
| Noninterest income to average assets | 0.3992% | 5,210 |
| Noninterest expense to average assets | 3.6432% | 2,049 |
| Loan and lease loss provision to assets | 0.6297% | 3,286 |
| Net operating income to assets | -0.0506% | 5,585 |
| Return on assets (ROA) | -0.0506% | 5,610 |
| Pretax return on assets | -0.0900% | 5,586 |
| Return on Equity (ROE) | -0.4292% | 5,610 |
| Retained earnings to average equity (ytd only) | -1.3831% | 5,363 |
| Net charge-offs to loans | -0.1015% | 7,883 |
| Credit loss provision to net charge-offs | -1,244.4444% | 7,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0968% | 1,980 |
| Assets per employee ($millions) | 2.7808% | 6,693 |
| Cash dividends to net income (ytd only)* | -222.2222% | 7,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7046% | 445 |
| Loan loss allowance to noncurrent loans | 88.2022% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 2.1337% | 3,226 |
| Noncurrent loans to loans | 4.2001% | 1,736 |
| Net loans and leases to total assets | 48.9182% | 6,735 |
| Net loans and leases to deposits | 55.9271% | 6,924 |
| Net loans and leases to core deposits | 61.5025% | 7,209 |
| Total domestic deposits to total assets | 87.4678% | 2,236 |
| Equity capital to assets | 12.1307% | 1,952 |
| Core capital (leverage) ratio | 11.2022% | 2,102 |
| Tier 1 risk-based capital ratio | 18.8515% | 1,689 |
| Total risk-based capital ratio | 20.1266% | 1,647 |
| Memoranda: | ||
| Average total assets | $17,786,800 | 7,832 |
| Average earning assets | $16,275,800 | 7,812 |
| Average equity | $2,096,800 | 7,825 |
| Average total loans | $8,866,600 | 7,748 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0382% | 1,885 |
| Cost of funding earning assets | 1.9296% | 3,722 |
| Net interest margin | 4.1085% | 2,361 |
| Noninterest income to average assets | 0.3838% | 5,448 |
| Noninterest expense to average assets | 3.2258% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6348% | 3,478 |
| Return on assets (ROA) | 0.6348% | 3,546 |
| Pretax return on assets | 0.9301% | 3,130 |
| Return on Equity (ROE) | 5.4213% | 3,777 |
| Retained earnings to average equity (ytd only) | 5.4213% | 2,242 |
| Net charge-offs to loans | -0.6395% | 8,029 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6199% | 3,221 |
| Assets per employee ($millions) | 3.4700% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8166% | 776 |
| Loan loss allowance to noncurrent loans | 85.1986% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.5965% | 3,956 |
| Noncurrent loans to loans | 3.3059% | 2,282 |
| Net loans and leases to total assets | 46.9337% | 7,042 |
| Net loans and leases to deposits | 53.7244% | 7,230 |
| Net loans and leases to core deposits | 61.5077% | 7,343 |
| Total domestic deposits to total assets | 87.3602% | 1,977 |
| Equity capital to assets | 12.3746% | 2,015 |
| Core capital (leverage) ratio | 11.9124% | 1,840 |
| Tier 1 risk-based capital ratio | 20.0095% | 1,558 |
| Total risk-based capital ratio | 21.2671% | 1,506 |
| Memoranda: | ||
| Average total assets | $18,062,250 | 7,906 |
| Average earning assets | $16,583,000 | 7,883 |
| Average equity | $2,115,000 | 7,899 |
| Average total loans | $8,964,250 | 7,820 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1339% | 1,672 |
| Cost of funding earning assets | 2.0606% | 3,473 |
| Net interest margin | 4.0733% | 2,428 |
| Noninterest income to average assets | 0.3716% | 5,540 |
| Noninterest expense to average assets | 3.0820% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6667% | 3,406 |
| Return on assets (ROA) | 0.6667% | 3,512 |
| Pretax return on assets | 1.0055% | 2,990 |
| Return on Equity (ROE) | 5.7976% | 3,748 |
| Retained earnings to average equity (ytd only) | 5.7976% | 2,117 |
| Net charge-offs to loans | -0.7424% | 8,120 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4011% | 3,810 |
| Assets per employee ($millions) | 3.0298% | 6,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5050% | 893 |
| Loan loss allowance to noncurrent loans | 32.3823% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 3.9991% | 1,486 |
| Noncurrent loans to loans | 7.7356% | 587 |
| Net loans and leases to total assets | 48.6000% | 6,983 |
| Net loans and leases to deposits | 55.2498% | 7,202 |
| Net loans and leases to core deposits | 62.7530% | 7,350 |
| Total domestic deposits to total assets | 87.9641% | 1,792 |
| Equity capital to assets | 11.6728% | 2,402 |
| Core capital (leverage) ratio | 11.3722% | 2,150 |
| Tier 1 risk-based capital ratio | 18.6247% | 1,856 |
| Total risk-based capital ratio | 19.8896% | 1,808 |
| Memoranda: | ||
| Average total assets | $18,299,670 | 7,983 |
| Average earning assets | $16,694,000 | 7,956 |
| Average equity | $2,104,330 | 7,981 |
| Average total loans | $9,159,330 | 7,894 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0744% | 2,047 |
| Cost of funding earning assets | 2.1609% | 3,367 |
| Net interest margin | 3.9136% | 2,996 |
| Noninterest income to average assets | 0.3486% | 5,656 |
| Noninterest expense to average assets | 2.9194% | 4,089 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9804% | 2,394 |
| Return on assets (ROA) | 0.9804% | 2,524 |
| Pretax return on assets | 0.9804% | 3,420 |
| Return on Equity (ROE) | 8.5898% | 2,891 |
| Retained earnings to average equity (ytd only) | 8.5898% | 1,604 |
| Net charge-offs to loans | -0.0869% | 7,841 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8603% | 3,686 |
| Assets per employee ($millions) | 3.0818% | 5,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1256% | 1,187 |
| Loan loss allowance to noncurrent loans | 24.5283% | 6,937 |
| Noncurrent assets plus other real estate owned to assets | 4.5373% | 1,053 |
| Noncurrent loans to loans | 8.6658% | 384 |
| Net loans and leases to total assets | 48.5588% | 6,979 |
| Net loans and leases to deposits | 55.0251% | 7,219 |
| Net loans and leases to core deposits | 60.7305% | 7,427 |
| Total domestic deposits to total assets | 88.2483% | 1,613 |
| Equity capital to assets | 11.4272% | 2,635 |
| Core capital (leverage) ratio | 11.4292% | 2,191 |
| Tier 1 risk-based capital ratio | 17.9273% | 2,074 |
| Total risk-based capital ratio | 19.1822% | 2,019 |
| Memoranda: | ||
| Average total assets | $18,360,000 | 8,027 |
| Average earning assets | $16,660,000 | 8,012 |
| Average equity | $2,095,500 | 8,036 |
| Average total loans | $9,208,000 | 7,942 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5038% | 2,941 |
| Cost of funding earning assets | 2.6944% | 3,181 |
| Net interest margin | 3.8094% | 3,981 |
| Noninterest income to average assets | 0.5207% | 4,465 |
| Noninterest expense to average assets | 3.3107% | 2,934 |
| Loan and lease loss provision to assets | 1.4714% | 924 |
| Net operating income to assets | -0.5093% | 6,929 |
| Return on assets (ROA) | -0.5093% | 6,807 |
| Pretax return on assets | -0.7810% | 6,869 |
| Return on Equity (ROE) | -4.2816% | 6,784 |
| Retained earnings to average equity (ytd only) | -5.2331% | 6,547 |
| Net charge-offs to loans | 2.8339% | 323 |
| Credit loss provision to net charge-offs | 92.8571% | 5,604 |
| Earnings coverage of net charge-offs (x) | 0.4357% | 5,966 |
| Efficiency ratio | 82.7440% | 2,213 |
| Assets per employee ($millions) | 3.0382% | 5,963 |
| Cash dividends to net income (ytd only)* | -22.2222% | 7,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0883% | 1,088 |
| Loan loss allowance to noncurrent loans | 30.0623% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 3.7632% | 1,143 |
| Noncurrent loans to loans | 6.9465% | 442 |
| Net loans and leases to total assets | 49.6407% | 7,061 |
| Net loans and leases to deposits | 56.3274% | 7,295 |
| Net loans and leases to core deposits | 61.8228% | 7,515 |
| Total domestic deposits to total assets | 88.1288% | 1,414 |
| Equity capital to assets | 11.3994% | 2,700 |
| Core capital (leverage) ratio | 11.3479% | 2,340 |
| Tier 1 risk-based capital ratio | 17.4582% | 2,189 |
| Total risk-based capital ratio | 18.7155% | 2,126 |
| Memoranda: | ||
| Average total assets | $17,670,200 | 8,085 |
| Average earning assets | $16,144,400 | 8,065 |
| Average equity | $2,102,000 | 8,104 |
| Average total loans | $9,880,400 | 7,947 |