Home > Fayette County Bank > Performance and Condition Ratios
Fayette County Bank, Performance and Condition Ratios
| 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 | 3.8275% | 3,662 |
| Cost of funding earning assets | 1.1022% | 94 |
| Net interest margin | 2.7253% | 5,356 |
| Noninterest income to average assets | 0.1165% | 5,523 |
| Noninterest expense to average assets | 3.5643% | 954 |
| Loan and lease loss provision to assets | 0.5125% | 193 |
| Net operating income to assets | -1.3395% | 5,794 |
| Return on assets (ROA) | -1.3395% | 5,796 |
| Pretax return on assets | -1.3395% | 5,791 |
| Return on Equity (ROE) | -118.2519% | 5,855 |
| Retained earnings to average equity (ytd only) | -118.2519% | 5,847 |
| Net charge-offs to loans | 2.1738% | 76 |
| Credit loss provision to net charge-offs | 29.3333% | 2,115 |
| Earnings coverage of net charge-offs (x) | -0.4733% | 2,869 |
| Efficiency ratio | 130.2128% | 53 |
| Assets per employee ($millions) | 3.4370% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2836% | 66 |
| Loan loss allowance to noncurrent loans | 32.2536% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 10.9107% | 28 |
| Noncurrent loans to loans | 13.2809% | 16 |
| Net loans and leases to total assets | 75.7405% | 1,453 |
| Net loans and leases to deposits | 76.6278% | 3,120 |
| Net loans and leases to core deposits | 104.8198% | 1,170 |
| Total domestic deposits to total assets | 98.8420% | 1 |
| Equity capital to assets | 1.0154% | 5,855 |
| Core capital (leverage) ratio | 0.9122% | 5,855 |
| Tier 1 risk-based capital ratio | 1.3462% | 5,855 |
| Total risk-based capital ratio | 2.6415% | 5,855 |
| Memoranda: | ||
| Average total assets | $34,341,000 | 5,593 |
| Average earning assets | $33,024,000 | 5,551 |
| Average equity | $389,000 | 5,855 |
| Average total loans | $27,602,000 | 5,227 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9462% | 3,400 |
| Cost of funding earning assets | 1.0363% | 142 |
| Net interest margin | 2.9099% | 5,124 |
| Noninterest income to average assets | 0.1730% | 5,354 |
| Noninterest expense to average assets | 3.9965% | 601 |
| Loan and lease loss provision to assets | 2.5301% | 27 |
| Net operating income to assets | -3.5738% | 5,899 |
| Return on assets (ROA) | -3.5738% | 5,899 |
| Pretax return on assets | -3.5738% | 5,897 |
| Return on Equity (ROE) | -84.2922% | 5,909 |
| Retained earnings to average equity (ytd only) | -84.2922% | 5,909 |
| Net charge-offs to loans | 5.5577% | 5 |
| Credit loss provision to net charge-offs | 56.2421% | 3,300 |
| Earnings coverage of net charge-offs (x) | -0.2320% | 4,146 |
| Efficiency ratio | 135.3506% | 48 |
| Assets per employee ($millions) | 3.4774% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4170% | 119 |
| Loan loss allowance to noncurrent loans | 25.5064% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 11.0485% | 31 |
| Noncurrent loans to loans | 13.3967% | 16 |
| Net loans and leases to total assets | 77.7880% | 1,227 |
| Net loans and leases to deposits | 79.9633% | 2,891 |
| Net loans and leases to core deposits | 110.6656% | 854 |
| Total domestic deposits to total assets | 97.2796% | 4 |
| Equity capital to assets | 2.5623% | 5,903 |
| Core capital (leverage) ratio | 2.4839% | 5,907 |
| Tier 1 risk-based capital ratio | 3.6314% | 5,907 |
| Total risk-based capital ratio | 4.9164% | 5,906 |
| Memoranda: | ||
| Average total assets | $35,256,200 | 5,631 |
| Average earning assets | $33,678,000 | 5,595 |
| Average equity | $1,494,800 | 5,888 |
| Average total loans | $28,537,200 | 5,247 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8898% | 3,617 |
| Cost of funding earning assets | 1.0268% | 146 |
| Net interest margin | 2.8631% | 5,245 |
| Noninterest income to average assets | 0.1960% | 5,289 |
| Noninterest expense to average assets | 3.9837% | 603 |
| Loan and lease loss provision to assets | 1.7676% | 48 |
| Net operating income to assets | -2.8229% | 5,960 |
| Return on assets (ROA) | -2.8229% | 5,960 |
| Pretax return on assets | -2.8229% | 5,961 |
| Return on Equity (ROE) | -60.6799% | 5,973 |
| Retained earnings to average equity (ytd only) | -60.6799% | 5,970 |
| Net charge-offs to loans | 5.0552% | 12 |
| Credit loss provision to net charge-offs | 43.1463% | 3,126 |
| Earnings coverage of net charge-offs (x) | -0.2576% | 3,835 |
| Efficiency ratio | 136.0360% | 53 |
| Assets per employee ($millions) | 3.6093% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5880% | 108 |
| Loan loss allowance to noncurrent loans | 19.0775% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 15.2661% | 16 |
| Noncurrent loans to loans | 18.8077% | 5 |
| Net loans and leases to total assets | 76.9789% | 1,367 |
| Net loans and leases to deposits | 80.5053% | 2,909 |
| Net loans and leases to core deposits | 118.0339% | 570 |
| Total domestic deposits to total assets | 95.6196% | 7 |
| Equity capital to assets | 4.2474% | 5,962 |
| Core capital (leverage) ratio | 3.9715% | 5,964 |
| Tier 1 risk-based capital ratio | 5.4025% | 5,966 |
| Total risk-based capital ratio | 6.6877% | 5,966 |
| Memoranda: | ||
| Average total assets | $35,376,750 | 5,688 |
| Average earning assets | $33,762,250 | 5,649 |
| Average equity | $1,645,750 | 5,946 |
| Average total loans | $28,669,750 | 5,290 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 3,751 |
| Cost of funding earning assets | 1.0166% | 155 |
| Net interest margin | 2.8405% | 5,359 |
| Noninterest income to average assets | 0.1366% | 5,623 |
| Noninterest expense to average assets | 4.1038% | 529 |
| Loan and lease loss provision to assets | 2.2881% | 35 |
| Net operating income to assets | -3.5517% | 6,041 |
| Return on assets (ROA) | -3.5517% | 6,041 |
| Pretax return on assets | -3.5517% | 6,040 |
| Return on Equity (ROE) | -74.1388% | 6,052 |
| Retained earnings to average equity (ytd only) | -74.1388% | 6,048 |
| Net charge-offs to loans | 6.3382% | 7 |
| Credit loss provision to net charge-offs | 44.3219% | 2,727 |
| Earnings coverage of net charge-offs (x) | -0.2448% | 3,570 |
| Efficiency ratio | 144.4890% | 46 |
| Assets per employee ($millions) | 3.8577% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9669% | 83 |
| Loan loss allowance to noncurrent loans | 31.0084% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 11.0429% | 37 |
| Noncurrent loans to loans | 12.7931% | 20 |
| Net loans and leases to total assets | 79.9764% | 907 |
| Net loans and leases to deposits | 84.1118% | 2,456 |
| Net loans and leases to core deposits | 139.4976% | 190 |
| Total domestic deposits to total assets | 95.0834% | 12 |
| Equity capital to assets | 4.8014% | 6,033 |
| Core capital (leverage) ratio | 4.3529% | 6,036 |
| Tier 1 risk-based capital ratio | 6.1403% | 6,038 |
| Total risk-based capital ratio | 7.4334% | 6,038 |
| Memoranda: | ||
| Average total assets | $35,138,000 | 5,763 |
| Average earning assets | $33,445,330 | 5,722 |
| Average equity | $1,683,330 | 6,014 |
| Average total loans | $28,620,330 | 5,349 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7695% | 4,062 |
| Cost of funding earning assets | 1.0107% | 156 |
| Net interest margin | 2.7587% | 5,533 |
| Noninterest income to average assets | 0.1798% | 5,422 |
| Noninterest expense to average assets | 3.5956% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.8090% | 6,013 |
| Return on assets (ROA) | -0.8090% | 6,015 |
| Pretax return on assets | -0.8090% | 6,007 |
| Return on Equity (ROE) | -14.8186% | 6,049 |
| Retained earnings to average equity (ytd only) | -14.8186% | 5,904 |
| Net charge-offs to loans | 0.1936% | 1,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -5.1429% | 3,043 |
| Efficiency ratio | 129.0323% | 73 |
| Assets per employee ($millions) | 3.8803% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6432% | 38 |
| Loan loss allowance to noncurrent loans | 36.5707% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 13.5040% | 30 |
| Noncurrent loans to loans | 15.4310% | 14 |
| Net loans and leases to total assets | 78.4240% | 1,041 |
| Net loans and leases to deposits | 83.8040% | 2,323 |
| Net loans and leases to core deposits | 139.9203% | 168 |
| Total domestic deposits to total assets | 93.5802% | 29 |
| Equity capital to assets | 6.2709% | 6,058 |
| Core capital (leverage) ratio | 5.9250% | 6,067 |
| Tier 1 risk-based capital ratio | 8.2292% | 6,072 |
| Total risk-based capital ratio | 9.5455% | 6,070 |
| Memoranda: | ||
| Average total assets | $35,599,500 | 5,808 |
| Average earning assets | $33,638,500 | 5,773 |
| Average equity | $1,943,500 | 6,047 |
| Average total loans | $28,922,000 | 5,378 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1909% | 5,527 |
| Cost of funding earning assets | 1.0258% | 147 |
| Net interest margin | 2.1651% | 5,998 |
| Noninterest income to average assets | 0.1376% | 5,723 |
| Noninterest expense to average assets | 2.9788% | 2,620 |
| Loan and lease loss provision to assets | 0.7423% | 132 |
| Net operating income to assets | -1.5013% | 6,125 |
| Return on assets (ROA) | -1.5013% | 6,126 |
| Pretax return on assets | -1.5013% | 6,123 |
| Return on Equity (ROE) | -31.8539% | 6,156 |
| Retained earnings to average equity (ytd only) | -31.8539% | 6,148 |
| Net charge-offs to loans | 1.4322% | 112 |
| Credit loss provision to net charge-offs | 74.1706% | 3,054 |
| Earnings coverage of net charge-offs (x) | -0.7583% | 4,322 |
| Efficiency ratio | 134.1880% | 59 |
| Assets per employee ($millions) | 3.6276% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7325% | 37 |
| Loan loss allowance to noncurrent loans | 31.8980% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 14.9300% | 25 |
| Noncurrent loans to loans | 17.9714% | 11 |
| Net loans and leases to total assets | 74.8870% | 1,591 |
| Net loans and leases to deposits | 78.6805% | 2,979 |
| Net loans and leases to core deposits | 128.9199% | 284 |
| Total domestic deposits to total assets | 95.1786% | 13 |
| Equity capital to assets | 4.6780% | 6,149 |
| Core capital (leverage) ratio | 4.2232% | 6,155 |
| Tier 1 risk-based capital ratio | 6.5046% | 6,153 |
| Total risk-based capital ratio | 7.8214% | 6,151 |
| Memoranda: | ||
| Average total assets | $42,164,600 | 5,724 |
| Average earning assets | $40,552,200 | 5,660 |
| Average equity | $1,987,200 | 6,100 |
| Average total loans | $29,465,400 | 5,379 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1317% | 5,665 |
| Cost of funding earning assets | 1.0143% | 165 |
| Net interest margin | 2.1174% | 6,094 |
| Noninterest income to average assets | 0.1345% | 5,812 |
| Noninterest expense to average assets | 2.9577% | 2,647 |
| Loan and lease loss provision to assets | 0.9563% | 71 |
| Net operating income to assets | -1.7386% | 6,221 |
| Return on assets (ROA) | -1.7386% | 6,223 |
| Pretax return on assets | -1.7386% | 6,219 |
| Return on Equity (ROE) | -36.8321% | 6,248 |
| Retained earnings to average equity (ytd only) | -36.8321% | 6,238 |
| Net charge-offs to loans | 1.9576% | 62 |
| Credit loss provision to net charge-offs | 71.9540% | 2,726 |
| Earnings coverage of net charge-offs (x) | -0.5885% | 4,032 |
| Efficiency ratio | 135.9551% | 60 |
| Assets per employee ($millions) | 4.5814% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9002% | 38 |
| Loan loss allowance to noncurrent loans | 39.3089% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 10.6808% | 50 |
| Noncurrent loans to loans | 15.0097% | 15 |
| Net loans and leases to total assets | 63.3570% | 3,399 |
| Net loans and leases to deposits | 66.3046% | 4,359 |
| Net loans and leases to core deposits | 113.7310% | 683 |
| Total domestic deposits to total assets | 95.5545% | 11 |
| Equity capital to assets | 4.3145% | 6,241 |
| Core capital (leverage) ratio | 4.0248% | 6,245 |
| Tier 1 risk-based capital ratio | 6.9033% | 6,238 |
| Total risk-based capital ratio | 8.2199% | 6,234 |
| Memoranda: | ||
| Average total assets | $43,636,750 | 5,766 |
| Average earning assets | $42,063,500 | 5,702 |
| Average equity | $2,059,750 | 6,179 |
| Average total loans | $29,627,250 | 5,437 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9471% | 5,899 |
| Cost of funding earning assets | 0.9932% | 186 |
| Net interest margin | 1.9538% | 6,217 |
| Noninterest income to average assets | 0.1440% | 5,846 |
| Noninterest expense to average assets | 2.3988% | 4,552 |
| Loan and lease loss provision to assets | 0.8821% | 85 |
| Net operating income to assets | -1.2512% | 6,279 |
| Return on assets (ROA) | -1.2512% | 6,279 |
| Pretax return on assets | -1.2512% | 6,273 |
| Return on Equity (ROE) | -25.8205% | 6,310 |
| Retained earnings to average equity (ytd only) | -25.8205% | 6,290 |
| Net charge-offs to loans | 1.6529% | 94 |
| Credit loss provision to net charge-offs | 78.4000% | 2,351 |
| Earnings coverage of net charge-offs (x) | -0.3280% | 3,736 |
| Efficiency ratio | 118.1818% | 113 |
| Assets per employee ($millions) | 4.3716% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9552% | 40 |
| Loan loss allowance to noncurrent loans | 38.7024% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 10.8885% | 54 |
| Noncurrent loans to loans | 15.3873% | 23 |
| Net loans and leases to total assets | 61.6273% | 3,607 |
| Net loans and leases to deposits | 64.7107% | 4,465 |
| Net loans and leases to core deposits | 114.0843% | 665 |
| Total domestic deposits to total assets | 95.2352% | 16 |
| Equity capital to assets | 4.6139% | 6,308 |
| Core capital (leverage) ratio | 4.5654% | 6,308 |
| Tier 1 risk-based capital ratio | 7.6766% | 6,294 |
| Total risk-based capital ratio | 8.9920% | 6,292 |
| Memoranda: | ||
| Average total assets | $44,438,000 | 5,808 |
| Average earning assets | $42,890,330 | 5,742 |
| Average equity | $2,153,330 | 6,239 |
| Average total loans | $30,249,000 | 5,462 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0231% | 5,872 |
| Cost of funding earning assets | 0.9922% | 190 |
| Net interest margin | 2.0309% | 6,265 |
| Noninterest income to average assets | 0.1518% | 5,830 |
| Noninterest expense to average assets | 2.2501% | 5,002 |
| Loan and lease loss provision to assets | 1.7500% | 35 |
| Net operating income to assets | -1.8929% | 6,362 |
| Return on assets (ROA) | -1.8929% | 6,366 |
| Pretax return on assets | -1.8929% | 6,362 |
| Return on Equity (ROE) | -38.1724% | 6,392 |
| Retained earnings to average equity (ytd only) | -38.1724% | 6,370 |
| Net charge-offs to loans | 0.6828% | 355 |
| Credit loss provision to net charge-offs | 369.8113% | 707 |
| Earnings coverage of net charge-offs (x) | -0.3019% | 3,134 |
| Efficiency ratio | 106.7797% | 229 |
| Assets per employee ($millions) | 4.4632% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3387% | 30 |
| Loan loss allowance to noncurrent loans | 33.1880% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 13.3783% | 44 |
| Noncurrent loans to loans | 19.0993% | 15 |
| Net loans and leases to total assets | 63.0019% | 3,236 |
| Net loans and leases to deposits | 66.2653% | 4,127 |
| Net loans and leases to core deposits | 115.1616% | 544 |
| Total domestic deposits to total assets | 95.0753% | 13 |
| Equity capital to assets | 4.7925% | 6,381 |
| Core capital (leverage) ratio | 4.5615% | 6,381 |
| Tier 1 risk-based capital ratio | 7.5470% | 6,362 |
| Total risk-based capital ratio | 8.7151% | 6,363 |
| Memoranda: | ||
| Average total assets | $44,799,000 | 5,849 |
| Average earning assets | $43,134,500 | 5,783 |
| Average equity | $2,221,500 | 6,297 |
| Average total loans | $31,050,000 | 5,471 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 4,030 |
| Cost of funding earning assets | 0.9550% | 279 |
| Net interest margin | 2.9722% | 5,499 |
| Noninterest income to average assets | 0.3362% | 4,708 |
| Noninterest expense to average assets | 2.3488% | 4,978 |
| Loan and lease loss provision to assets | 5.4497% | 5 |
| Net operating income to assets | -4.5920% | 6,493 |
| Return on assets (ROA) | -4.5533% | 6,493 |
| Pretax return on assets | -4.5533% | 6,496 |
| Return on Equity (ROE) | -102.3740% | 6,503 |
| Retained earnings to average equity (ytd only) | -103.6337% | 6,503 |
| Net charge-offs to loans | 2.9689% | 35 |
| Credit loss provision to net charge-offs | 243.8766% | 1,045 |
| Earnings coverage of net charge-offs (x) | 0.3838% | 4,651 |
| Efficiency ratio | 73.2527% | 2,975 |
| Assets per employee ($millions) | 6.4290% | 1,096 |
| Cash dividends to net income (ytd only)* | -1.2305% | 6,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3308% | 64 |
| Loan loss allowance to noncurrent loans | 36.6559% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 10.8926% | 75 |
| Noncurrent loans to loans | 14.5427% | 29 |
| Net loans and leases to total assets | 67.4799% | 2,650 |
| Net loans and leases to deposits | 71.2780% | 3,758 |
| Net loans and leases to core deposits | 123.5024% | 333 |
| Total domestic deposits to total assets | 94.6715% | 21 |
| Equity capital to assets | 5.2352% | 6,453 |
| Core capital (leverage) ratio | 5.0068% | 6,453 |
| Tier 1 risk-based capital ratio | 8.6976% | 6,422 |
| Total risk-based capital ratio | 10.0101% | 6,422 |
| Memoranda: | ||
| Average total assets | $46,406,400 | 5,876 |
| Average earning assets | $44,815,800 | 5,806 |
| Average equity | $2,064,000 | 6,395 |
| Average total loans | $34,929,000 | 5,368 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 4,486 |
| Cost of funding earning assets | 0.9098% | 398 |
| Net interest margin | 2.9065% | 5,686 |
| Noninterest income to average assets | 0.3992% | 4,249 |
| Noninterest expense to average assets | 2.0103% | 5,757 |
| Loan and lease loss provision to assets | 16.8526% | 1 |
| Net operating income to assets | -15.6578% | 6,589 |
| Return on assets (ROA) | -15.6065% | 6,589 |
| Pretax return on assets | -15.6065% | 6,589 |
| Return on Equity (ROE) | -366.5068% | 6,589 |
| Retained earnings to average equity (ytd only) | -368.2481% | 6,589 |
| Net charge-offs to loans | 3.2583% | 29 |
| Credit loss provision to net charge-offs | 678.5304% | 442 |
| Earnings coverage of net charge-offs (x) | 0.4811% | 4,376 |
| Efficiency ratio | 62.7224% | 4,780 |
| Assets per employee ($millions) | 5.5995% | 1,638 |
| Cash dividends to net income (ytd only)* | -0.4751% | 6,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.2155% | 4 |
| Loan loss allowance to noncurrent loans | 47.2412% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 25.3706% | 6 |
| Noncurrent loans to loans | 27.9746% | 5 |
| Net loans and leases to total assets | 77.0649% | 1,084 |
| Net loans and leases to deposits | 74.6728% | 3,343 |
| Net loans and leases to core deposits | 127.9778% | 256 |
| Total domestic deposits to total assets | 103.2034% | 1 |
| Equity capital to assets | -3.3173% | 6,589 |
| Core capital (leverage) ratio | -2.8558% | 6,589 |
| Tier 1 risk-based capital ratio | -4.8163% | 6,589 |
| Total risk-based capital ratio | -4.8163% | 6,589 |
| Memoranda: | ||
| Average total assets | $46,757,250 | 5,941 |
| Average earning assets | $45,139,000 | 5,860 |
| Average equity | $1,991,000 | 6,476 |
| Average total loans | $35,641,750 | 5,393 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8574% | 4,304 |
| Cost of funding earning assets | 0.8513% | 552 |
| Net interest margin | 3.0060% | 5,508 |
| Noninterest income to average assets | 0.4092% | 4,178 |
| Noninterest expense to average assets | 1.7506% | 6,207 |
| Loan and lease loss provision to assets | 1.9320% | 36 |
| Net operating income to assets | -0.3839% | 6,405 |
| Return on assets (ROA) | -0.3839% | 6,410 |
| Pretax return on assets | -0.3839% | 6,392 |
| Return on Equity (ROE) | -5.7778% | 6,449 |
| Retained earnings to average equity (ytd only) | -7.4286% | 6,354 |
| Net charge-offs to loans | 1.9438% | 119 |
| Credit loss provision to net charge-offs | 137.5375% | 1,549 |
| Earnings coverage of net charge-offs (x) | 1.1021% | 3,889 |
| Efficiency ratio | 53.0691% | 5,991 |
| Assets per employee ($millions) | 5.8714% | 1,370 |
| Cash dividends to net income (ytd only)* | -28.5714% | 6,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8633% | 5,837 |
| Loan loss allowance to noncurrent loans | 179.5812% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8251% | 3,499 |
| Noncurrent loans to loans | 0.4808% | 4,555 |
| Net loans and leases to total assets | 74.5340% | 1,374 |
| Net loans and leases to deposits | 80.5984% | 2,438 |
| Net loans and leases to core deposits | 133.0069% | 198 |
| Total domestic deposits to total assets | 92.4758% | 119 |
| Equity capital to assets | 7.4012% | 6,368 |
| Core capital (leverage) ratio | 7.7375% | 6,233 |
| Tier 1 risk-based capital ratio | 10.8303% | 6,118 |
| Total risk-based capital ratio | 11.7830% | 6,180 |
| Memoranda: | ||
| Average total assets | $47,411,000 | 5,971 |
| Average earning assets | $45,575,330 | 5,897 |
| Average equity | $3,150,000 | 6,357 |
| Average total loans | $34,262,670 | 5,476 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 4,681 |
| Cost of funding earning assets | 0.8276% | 645 |
| Net interest margin | 2.9197% | 5,710 |
| Noninterest income to average assets | 0.4475% | 3,809 |
| Noninterest expense to average assets | 1.9331% | 6,002 |
| Loan and lease loss provision to assets | 3.1860% | 16 |
| Net operating income to assets | -1.8615% | 6,654 |
| Return on assets (ROA) | -1.8615% | 6,650 |
| Pretax return on assets | -1.8615% | 6,634 |
| Return on Equity (ROE) | -30.0415% | 6,663 |
| Retained earnings to average equity (ytd only) | -33.7967% | 6,633 |
| Net charge-offs to loans | 3.6918% | 43 |
| Credit loss provision to net charge-offs | 122.3368% | 1,441 |
| Earnings coverage of net charge-offs (x) | 0.5086% | 3,330 |
| Efficiency ratio | 59.3407% | 5,496 |
| Assets per employee ($millions) | 4.7558% | 2,586 |
| Cash dividends to net income (ytd only)* | -12.5000% | 6,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 6,068 |
| Loan loss allowance to noncurrent loans | 170.9091% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8621% | 3,572 |
| Noncurrent loans to loans | 0.4764% | 4,735 |
| Net loans and leases to total assets | 72.2360% | 1,544 |
| Net loans and leases to deposits | 76.6847% | 2,730 |
| Net loans and leases to core deposits | 135.8779% | 150 |
| Total domestic deposits to total assets | 94.1987% | 60 |
| Equity capital to assets | 5.7130% | 6,591 |
| Core capital (leverage) ratio | 6.0827% | 6,574 |
| Tier 1 risk-based capital ratio | 9.1109% | 6,590 |
| Total risk-based capital ratio | 10.0344% | 6,604 |
| Memoranda: | ||
| Average total assets | $44,695,000 | 6,094 |
| Average earning assets | $43,017,500 | 6,023 |
| Average equity | $2,769,500 | 6,496 |
| Average total loans | $31,529,500 | 5,650 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 5,376 |
| Cost of funding earning assets | 0.4781% | 3,837 |
| Net interest margin | 3.1322% | 5,218 |
| Noninterest income to average assets | 0.2205% | 5,757 |
| Noninterest expense to average assets | 2.1704% | 5,695 |
| Loan and lease loss provision to assets | 0.1552% | 2,333 |
| Net operating income to assets | 0.8849% | 2,853 |
| Return on assets (ROA) | 0.8849% | 2,942 |
| Pretax return on assets | 0.8849% | 3,824 |
| Return on Equity (ROE) | 10.0112% | 2,106 |
| Retained earnings to average equity (ytd only) | 7.2362% | 1,342 |
| Net charge-offs to loans | -0.2322% | 6,639 |
| Credit loss provision to net charge-offs | -125.0000% | 5,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6015% | 4,272 |
| Assets per employee ($millions) | 4.1832% | 3,478 |
| Cash dividends to net income (ytd only)* | 27.7193% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 6,238 |
| Loan loss allowance to noncurrent loans | 94.7826% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.1355% | 3,128 |
| Noncurrent loans to loans | 0.8092% | 3,947 |
| Net loans and leases to total assets | 67.4245% | 2,451 |
| Net loans and leases to deposits | 72.3743% | 3,475 |
| Net loans and leases to core deposits | 133.9523% | 168 |
| Total domestic deposits to total assets | 93.1607% | 122 |
| Equity capital to assets | 6.7460% | 6,523 |
| Core capital (leverage) ratio | 7.9329% | 6,181 |
| Tier 1 risk-based capital ratio | 12.1086% | 5,553 |
| Total risk-based capital ratio | 12.9838% | 5,716 |
| Memoranda: | ||
| Average total assets | $32,206,400 | 6,475 |
| Average earning assets | $30,745,200 | 6,433 |
| Average equity | $2,846,800 | 6,559 |
| Average total loans | $17,227,200 | 6,311 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4258% | 5,830 |
| Cost of funding earning assets | 0.4089% | 4,745 |
| Net interest margin | 3.0170% | 5,553 |
| Noninterest income to average assets | 0.2013% | 5,975 |
| Noninterest expense to average assets | 2.2281% | 5,534 |
| Loan and lease loss provision to assets | 0.1700% | 2,135 |
| Net operating income to assets | 0.6756% | 3,981 |
| Return on assets (ROA) | 0.6756% | 4,125 |
| Pretax return on assets | 0.6756% | 4,767 |
| Return on Equity (ROE) | 7.0568% | 3,615 |
| Retained earnings to average equity (ytd only) | 4.5797% | 3,415 |
| Net charge-offs to loans | 0.1017% | 3,526 |
| Credit loss provision to net charge-offs | 345.4545% | 750 |
| Earnings coverage of net charge-offs (x) | 17.1772% | 1,748 |
| Efficiency ratio | 72.4891% | 3,318 |
| Assets per employee ($millions) | 3.4168% | 5,025 |
| Cash dividends to net income (ytd only)* | 35.0966% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7927% | 6,297 |
| Loan loss allowance to noncurrent loans | 41.2234% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 1.7941% | 2,281 |
| Noncurrent loans to loans | 1.9229% | 2,336 |
| Net loans and leases to total assets | 56.7753% | 4,206 |
| Net loans and leases to deposits | 61.9301% | 4,772 |
| Net loans and leases to core deposits | 64.2862% | 4,872 |
| Total domestic deposits to total assets | 91.6764% | 321 |
| Equity capital to assets | 8.2416% | 5,964 |
| Core capital (leverage) ratio | 9.1744% | 4,870 |
| Tier 1 risk-based capital ratio | 15.5417% | 3,450 |
| Total risk-based capital ratio | 16.3700% | 3,625 |
| Memoranda: | ||
| Average total assets | $29,800,000 | 6,589 |
| Average earning assets | $28,372,250 | 6,551 |
| Average equity | $2,853,000 | 6,633 |
| Average total loans | $14,428,250 | 6,509 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3319% | 6,034 |
| Cost of funding earning assets | 0.3924% | 5,009 |
| Net interest margin | 2.9395% | 5,710 |
| Noninterest income to average assets | 0.2117% | 5,929 |
| Noninterest expense to average assets | 2.3074% | 5,361 |
| Loan and lease loss provision to assets | 0.1764% | 2,152 |
| Net operating income to assets | 0.5292% | 4,668 |
| Return on assets (ROA) | 0.5292% | 4,836 |
| Pretax return on assets | 0.5292% | 5,271 |
| Return on Equity (ROE) | 5.2350% | 4,596 |
| Retained earnings to average equity (ytd only) | 1.5356% | 5,256 |
| Net charge-offs to loans | 0.1730% | 2,737 |
| Credit loss provision to net charge-offs | 227.2727% | 1,080 |
| Earnings coverage of net charge-offs (x) | 9.0909% | 2,326 |
| Efficiency ratio | 76.5808% | 2,700 |
| Assets per employee ($millions) | 2.9793% | 5,885 |
| Cash dividends to net income (ytd only)* | 70.6667% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 5,446 |
| Loan loss allowance to noncurrent loans | 49.3056% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 1.7622% | 2,474 |
| Noncurrent loans to loans | 2.2298% | 2,135 |
| Net loans and leases to total assets | 42.8758% | 5,831 |
| Net loans and leases to deposits | 47.2743% | 6,029 |
| Net loans and leases to core deposits | 48.4396% | 6,111 |
| Total domestic deposits to total assets | 90.6958% | 663 |
| Equity capital to assets | 9.1800% | 5,017 |
| Core capital (leverage) ratio | 9.5595% | 4,145 |
| Tier 1 risk-based capital ratio | 19.1571% | 1,949 |
| Total risk-based capital ratio | 20.1177% | 1,988 |
| Memoranda: | ||
| Average total assets | $28,344,000 | 6,683 |
| Average earning assets | $27,011,670 | 6,627 |
| Average equity | $2,865,330 | 6,682 |
| Average total loans | $12,719,670 | 6,606 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3641% | 6,015 |
| Cost of funding earning assets | 0.3940% | 5,165 |
| Net interest margin | 2.9701% | 5,654 |
| Noninterest income to average assets | 0.2317% | 5,796 |
| Noninterest expense to average assets | 2.2158% | 5,646 |
| Loan and lease loss provision to assets | 0.1883% | 1,953 |
| Net operating income to assets | 0.6662% | 3,867 |
| Return on assets (ROA) | 0.6662% | 4,019 |
| Pretax return on assets | 0.6662% | 4,721 |
| Return on Equity (ROE) | 6.2788% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.2788% | 2,522 |
| Net charge-offs to loans | 0.0317% | 3,586 |
| Credit loss provision to net charge-offs | 1,300.0000% | 248 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 604 |
| Efficiency ratio | 72.1698% | 3,581 |
| Assets per employee ($millions) | 3.3024% | 5,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 5,785 |
| Loan loss allowance to noncurrent loans | 59.3220% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 1.5914% | 2,877 |
| Noncurrent loans to loans | 1.7744% | 2,901 |
| Net loans and leases to total assets | 44.2770% | 5,626 |
| Net loans and leases to deposits | 49.3124% | 5,833 |
| Net loans and leases to core deposits | 50.5435% | 5,932 |
| Total domestic deposits to total assets | 89.7887% | 1,174 |
| Equity capital to assets | 9.9455% | 4,220 |
| Core capital (leverage) ratio | 10.3396% | 2,983 |
| Tier 1 risk-based capital ratio | 19.8941% | 1,804 |
| Total risk-based capital ratio | 20.8693% | 1,852 |
| Memoranda: | ||
| Average total assets | $27,619,500 | 6,768 |
| Average earning assets | $26,396,000 | 6,714 |
| Average equity | $2,930,500 | 6,740 |
| Average total loans | $12,621,500 | 6,673 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5627% | 6,281 |
| Cost of funding earning assets | 0.4621% | 5,482 |
| Net interest margin | 3.1006% | 5,810 |
| Noninterest income to average assets | 0.2515% | 5,670 |
| Noninterest expense to average assets | 2.4261% | 5,340 |
| Loan and lease loss provision to assets | 0.3676% | 1,784 |
| Net operating income to assets | 0.4179% | 5,017 |
| Return on assets (ROA) | 0.8281% | 3,403 |
| Pretax return on assets | 0.8281% | 4,188 |
| Return on Equity (ROE) | 7.4642% | 3,360 |
| Retained earnings to average equity (ytd only) | 3.5228% | 3,738 |
| Net charge-offs to loans | 0.7887% | 1,485 |
| Credit loss provision to net charge-offs | 106.7416% | 2,779 |
| Earnings coverage of net charge-offs (x) | 2.2809% | 4,277 |
| Efficiency ratio | 75.5422% | 2,821 |
| Assets per employee ($millions) | 3.1896% | 5,651 |
| Cash dividends to net income (ytd only)* | 52.8037% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 5,670 |
| Loan loss allowance to noncurrent loans | 100.7874% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.4265% | 3,260 |
| Noncurrent loans to loans | 1.0634% | 4,084 |
| Net loans and leases to total assets | 46.3025% | 5,581 |
| Net loans and leases to deposits | 52.4272% | 5,774 |
| Net loans and leases to core deposits | 53.9843% | 5,874 |
| Total domestic deposits to total assets | 88.3176% | 2,016 |
| Equity capital to assets | 11.3846% | 2,553 |
| Core capital (leverage) ratio | 10.8218% | 2,416 |
| Tier 1 risk-based capital ratio | 20.2903% | 1,610 |
| Total risk-based capital ratio | 21.2145% | 1,661 |
| Memoranda: | ||
| Average total assets | $25,843,600 | 6,846 |
| Average earning assets | $24,672,600 | 6,799 |
| Average equity | $2,867,000 | 6,815 |
| Average total loans | $11,284,600 | 6,800 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5465% | 6,455 |
| Cost of funding earning assets | 0.4790% | 5,570 |
| Net interest margin | 3.0676% | 6,021 |
| Noninterest income to average assets | 0.2520% | 5,764 |
| Noninterest expense to average assets | 2.2783% | 5,745 |
| Loan and lease loss provision to assets | 0.4474% | 1,404 |
| Net operating income to assets | 0.4577% | 5,003 |
| Return on assets (ROA) | 0.4577% | 5,252 |
| Pretax return on assets | 0.4577% | 5,571 |
| Return on Equity (ROE) | 4.1526% | 5,231 |
| Retained earnings to average equity (ytd only) | 1.5398% | 5,565 |
| Net charge-offs to loans | 0.9592% | 1,118 |
| Credit loss provision to net charge-offs | 108.7500% | 2,701 |
| Earnings coverage of net charge-offs (x) | 2.2001% | 4,160 |
| Efficiency ratio | 71.5670% | 3,405 |
| Assets per employee ($millions) | 3.2730% | 5,497 |
| Cash dividends to net income (ytd only)* | 62.9193% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 5,321 |
| Loan loss allowance to noncurrent loans | 62.0192% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.6995% | 3,043 |
| Noncurrent loans to loans | 1.9213% | 2,936 |
| Net loans and leases to total assets | 40.8532% | 6,214 |
| Net loans and leases to deposits | 46.1814% | 6,373 |
| Net loans and leases to core deposits | 47.5148% | 6,445 |
| Total domestic deposits to total assets | 88.4624% | 1,743 |
| Equity capital to assets | 11.1098% | 3,141 |
| Core capital (leverage) ratio | 10.5987% | 2,799 |
| Tier 1 risk-based capital ratio | 20.2227% | 1,701 |
| Total risk-based capital ratio | 21.1741% | 1,757 |
| Memoranda: | ||
| Average total assets | $25,925,250 | 6,931 |
| Average earning assets | $24,774,500 | 6,881 |
| Average equity | $2,857,500 | 6,899 |
| Average total loans | $11,120,000 | 6,895 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6373% | 6,441 |
| Cost of funding earning assets | 0.5000% | 5,620 |
| Net interest margin | 3.1373% | 5,897 |
| Noninterest income to average assets | 0.2477% | 5,807 |
| Noninterest expense to average assets | 2.2911% | 5,768 |
| Loan and lease loss provision to assets | 0.3251% | 2,024 |
| Net operating income to assets | 0.6424% | 4,148 |
| Return on assets (ROA) | 0.6424% | 4,401 |
| Pretax return on assets | 0.6424% | 4,987 |
| Return on Equity (ROE) | 5.8444% | 4,397 |
| Retained earnings to average equity (ytd only) | 1.9012% | 5,251 |
| Net charge-offs to loans | 0.8736% | 1,261 |
| Credit loss provision to net charge-offs | 85.7143% | 3,166 |
| Earnings coverage of net charge-offs (x) | 2.5510% | 3,736 |
| Efficiency ratio | 70.3088% | 3,711 |
| Assets per employee ($millions) | 3.7087% | 4,503 |
| Cash dividends to net income (ytd only)* | 67.4699% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 5,864 |
| Loan loss allowance to noncurrent loans | 23.4694% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 1.8874% | 2,922 |
| Noncurrent loans to loans | 4.5983% | 1,138 |
| Net loans and leases to total assets | 40.6032% | 6,304 |
| Net loans and leases to deposits | 45.8564% | 6,448 |
| Net loans and leases to core deposits | 48.2713% | 6,444 |
| Total domestic deposits to total assets | 88.5444% | 1,793 |
| Equity capital to assets | 11.0512% | 3,060 |
| Core capital (leverage) ratio | 10.4623% | 2,844 |
| Tier 1 risk-based capital ratio | 20.6288% | 1,545 |
| Total risk-based capital ratio | 21.4959% | 1,616 |
| Memoranda: | ||
| Average total assets | $25,839,000 | 6,990 |
| Average earning assets | $24,798,670 | 6,938 |
| Average equity | $2,840,330 | 6,945 |
| Average total loans | $11,218,000 | 6,952 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5203% | 6,671 |
| Cost of funding earning assets | 0.5006% | 5,818 |
| Net interest margin | 3.0197% | 6,251 |
| Noninterest income to average assets | 0.2638% | 5,761 |
| Noninterest expense to average assets | 2.2810% | 5,817 |
| Loan and lease loss provision to assets | 0.2017% | 2,923 |
| Net operating income to assets | 0.6828% | 3,966 |
| Return on assets (ROA) | 0.6828% | 4,182 |
| Pretax return on assets | 0.6828% | 4,852 |
| Return on Equity (ROE) | 6.2279% | 4,175 |
| Retained earnings to average equity (ytd only) | 1.9816% | 5,277 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0588% | 3,434 |
| Assets per employee ($millions) | 3.7617% | 4,514 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 5,331 |
| Loan loss allowance to noncurrent loans | 36.2903% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 1.4127% | 3,750 |
| Noncurrent loans to loans | 3.4100% | 1,843 |
| Net loans and leases to total assets | 40.9160% | 6,271 |
| Net loans and leases to deposits | 46.0015% | 6,432 |
| Net loans and leases to core deposits | 48.3768% | 6,433 |
| Total domestic deposits to total assets | 88.9450% | 1,731 |
| Equity capital to assets | 10.7398% | 3,223 |
| Core capital (leverage) ratio | 10.5281% | 2,719 |
| Tier 1 risk-based capital ratio | 20.0353% | 1,704 |
| Total risk-based capital ratio | 21.0286% | 1,736 |
| Memoranda: | ||
| Average total assets | $25,778,000 | 7,055 |
| Average earning assets | $24,770,500 | 6,989 |
| Average equity | $2,826,000 | 6,997 |
| Average total loans | $11,499,000 | 7,004 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4715% | 7,008 |
| Cost of funding earning assets | 0.6828% | 5,644 |
| Net interest margin | 2.7887% | 6,834 |
| Noninterest income to average assets | 0.3005% | 5,382 |
| Noninterest expense to average assets | 2.1880% | 6,298 |
| Loan and lease loss provision to assets | 0.1832% | 4,357 |
| Net operating income to assets | 0.5937% | 4,032 |
| Return on assets (ROA) | 0.5937% | 4,208 |
| Pretax return on assets | 0.5937% | 4,716 |
| Return on Equity (ROE) | 5.9801% | 3,879 |
| Retained earnings to average equity (ytd only) | 2.8793% | 4,202 |
| Net charge-offs to loans | 0.7083% | 2,388 |
| Credit loss provision to net charge-offs | 62.5000% | 5,106 |
| Earnings coverage of net charge-offs (x) | 2.6500% | 3,889 |
| Efficiency ratio | 73.7948% | 3,268 |
| Assets per employee ($millions) | 3.1530% | 5,802 |
| Cash dividends to net income (ytd only)* | 51.8519% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 6,173 |
| Loan loss allowance to noncurrent loans | 30.8081% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 1.5699% | 3,591 |
| Noncurrent loans to loans | 3.2757% | 1,977 |
| Net loans and leases to total assets | 47.4429% | 5,882 |
| Net loans and leases to deposits | 53.6324% | 6,103 |
| Net loans and leases to core deposits | 56.5468% | 6,120 |
| Total domestic deposits to total assets | 88.4594% | 1,873 |
| Equity capital to assets | 11.1957% | 2,800 |
| Core capital (leverage) ratio | 10.3326% | 2,934 |
| Tier 1 risk-based capital ratio | 18.8374% | 1,949 |
| Total risk-based capital ratio | 19.6857% | 2,030 |
| Memoranda: | ||
| Average total assets | $27,285,200 | 7,046 |
| Average earning assets | $26,069,200 | 6,986 |
| Average equity | $2,709,000 | 7,072 |
| Average total loans | $11,295,200 | 7,066 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3691% | 7,154 |
| Cost of funding earning assets | 0.7130% | 5,685 |
| Net interest margin | 2.6561% | 7,026 |
| Noninterest income to average assets | 0.2782% | 5,623 |
| Noninterest expense to average assets | 2.0814% | 6,530 |
| Loan and lease loss provision to assets | 0.1823% | 4,211 |
| Net operating income to assets | 0.5515% | 4,317 |
| Return on assets (ROA) | 0.5515% | 4,491 |
| Pretax return on assets | 0.5515% | 4,968 |
| Return on Equity (ROE) | 5.7207% | 4,162 |
| Retained earnings to average equity (ytd only) | 2.8852% | 4,627 |
| Net charge-offs to loans | -0.1081% | 7,181 |
| Credit loss provision to net charge-offs | -422.2222% | 6,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9353% | 3,196 |
| Assets per employee ($millions) | 3.4261% | 5,176 |
| Cash dividends to net income (ytd only)* | 49.5663% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 3,112 |
| Loan loss allowance to noncurrent loans | 42.7957% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 1.8133% | 3,375 |
| Noncurrent loans to loans | 4.0840% | 1,625 |
| Net loans and leases to total assets | 40.8151% | 6,579 |
| Net loans and leases to deposits | 45.6370% | 6,751 |
| Net loans and leases to core deposits | 48.7090% | 6,728 |
| Total domestic deposits to total assets | 89.4341% | 1,173 |
| Equity capital to assets | 10.2339% | 4,041 |
| Core capital (leverage) ratio | 9.8574% | 3,641 |
| Tier 1 risk-based capital ratio | 18.6723% | 2,040 |
| Total risk-based capital ratio | 19.9222% | 1,993 |
| Memoranda: | ||
| Average total assets | $27,800,500 | 7,098 |
| Average earning assets | $26,554,250 | 7,041 |
| Average equity | $2,680,250 | 7,144 |
| Average total loans | $11,096,750 | 7,145 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2708% | 7,263 |
| Cost of funding earning assets | 0.7444% | 5,707 |
| Net interest margin | 2.5264% | 7,173 |
| Noninterest income to average assets | 0.2721% | 5,696 |
| Noninterest expense to average assets | 2.0622% | 6,672 |
| Loan and lease loss provision to assets | 0.1790% | 4,126 |
| Net operating income to assets | 0.4368% | 4,785 |
| Return on assets (ROA) | 0.4368% | 4,923 |
| Pretax return on assets | 0.4368% | 5,277 |
| Return on Equity (ROE) | 4.6235% | 4,629 |
| Retained earnings to average equity (ytd only) | 0.3032% | 5,719 |
| Net charge-offs to loans | -0.1455% | 7,248 |
| Credit loss provision to net charge-offs | -312.5000% | 6,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0053% | 2,859 |
| Assets per employee ($millions) | 5.3820% | 1,673 |
| Cash dividends to net income (ytd only)* | 93.4426% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 3,461 |
| Loan loss allowance to noncurrent loans | 36.0624% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 2.0253% | 3,200 |
| Noncurrent loans to loans | 4.5992% | 1,435 |
| Net loans and leases to total assets | 40.7618% | 6,686 |
| Net loans and leases to deposits | 46.2534% | 6,815 |
| Net loans and leases to core deposits | 49.4790% | 6,783 |
| Total domestic deposits to total assets | 88.1271% | 2,059 |
| Equity capital to assets | 10.0111% | 4,134 |
| Core capital (leverage) ratio | 9.4560% | 4,020 |
| Tier 1 risk-based capital ratio | 18.4330% | 2,033 |
| Total risk-based capital ratio | 19.6852% | 1,982 |
| Memoranda: | ||
| Average total assets | $27,931,000 | 7,164 |
| Average earning assets | $26,598,670 | 7,109 |
| Average equity | $2,638,670 | 7,215 |
| Average total loans | $11,000,330 | 7,219 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1152% | 7,367 |
| Cost of funding earning assets | 0.7566% | 5,821 |
| Net interest margin | 2.3587% | 7,279 |
| Noninterest income to average assets | 0.2813% | 5,662 |
| Noninterest expense to average assets | 2.0252% | 6,789 |
| Loan and lease loss provision to assets | 0.1828% | 3,785 |
| Net operating income to assets | 0.3094% | 5,364 |
| Return on assets (ROA) | 0.3094% | 5,435 |
| Pretax return on assets | 0.3094% | 5,630 |
| Return on Equity (ROE) | 3.3704% | 5,210 |
| Retained earnings to average equity (ytd only) | -1.8384% | 6,119 |
| Net charge-offs to loans | -0.2197% | 7,276 |
| Credit loss provision to net charge-offs | -216.6667% | 5,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4469% | 2,447 |
| Assets per employee ($millions) | 4.7527% | 2,492 |
| Cash dividends to net income (ytd only)* | 154.5455% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 3,607 |
| Loan loss allowance to noncurrent loans | 37.3362% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 1.7183% | 3,676 |
| Noncurrent loans to loans | 4.3648% | 1,619 |
| Net loans and leases to total assets | 36.1972% | 6,993 |
| Net loans and leases to deposits | 39.9134% | 7,103 |
| Net loans and leases to core deposits | 42.4512% | 7,093 |
| Total domestic deposits to total assets | 90.6894% | 768 |
| Equity capital to assets | 9.1808% | 4,902 |
| Core capital (leverage) ratio | 9.2724% | 4,166 |
| Tier 1 risk-based capital ratio | 18.1447% | 2,071 |
| Total risk-based capital ratio | 19.3294% | 2,055 |
| Memoranda: | ||
| Average total assets | $28,441,500 | 7,200 |
| Average earning assets | $26,964,500 | 7,135 |
| Average equity | $2,611,000 | 7,269 |
| Average total loans | $10,923,500 | 7,277 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 7,273 |
| Cost of funding earning assets | 0.8853% | 6,223 |
| Net interest margin | 2.8771% | 6,927 |
| Noninterest income to average assets | 0.2668% | 5,880 |
| Noninterest expense to average assets | 2.2525% | 6,475 |
| Loan and lease loss provision to assets | 0.5545% | 2,915 |
| Net operating income to assets | 0.1629% | 5,397 |
| Return on assets (ROA) | 0.5891% | 3,883 |
| Pretax return on assets | 0.5891% | 4,361 |
| Return on Equity (ROE) | 6.3958% | 3,398 |
| Retained earnings to average equity (ytd only) | 2.5583% | 4,078 |
| Net charge-offs to loans | 1.5361% | 1,430 |
| Credit loss provision to net charge-offs | 93.0233% | 4,986 |
| Earnings coverage of net charge-offs (x) | 1.2035% | 4,905 |
| Efficiency ratio | 75.8460% | 3,075 |
| Assets per employee ($millions) | 4.7278% | 2,526 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 4,804 |
| Loan loss allowance to noncurrent loans | 31.8658% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 1.7943% | 3,630 |
| Noncurrent loans to loans | 4.2012% | 1,724 |
| Net loans and leases to total assets | 39.4895% | 6,995 |
| Net loans and leases to deposits | 43.5469% | 7,133 |
| Net loans and leases to core deposits | 45.5848% | 7,153 |
| Total domestic deposits to total assets | 90.6828% | 758 |
| Equity capital to assets | 9.1797% | 4,870 |
| Core capital (leverage) ratio | 9.2186% | 4,141 |
| Tier 1 risk-based capital ratio | 17.7722% | 2,074 |
| Total risk-based capital ratio | 18.7990% | 2,120 |
| Memoranda: | ||
| Average total assets | $28,856,600 | 7,245 |
| Average earning assets | $27,110,400 | 7,189 |
| Average equity | $2,658,000 | 7,360 |
| Average total loans | $11,197,000 | 7,340 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 7,395 |
| Cost of funding earning assets | 0.9105% | 6,356 |
| Net interest margin | 2.8979% | 7,007 |
| Noninterest income to average assets | 0.2623% | 6,020 |
| Noninterest expense to average assets | 2.2038% | 6,595 |
| Loan and lease loss provision to assets | 0.6764% | 2,263 |
| Net operating income to assets | 0.1058% | 5,760 |
| Return on assets (ROA) | 0.6717% | 3,698 |
| Pretax return on assets | 0.6717% | 4,340 |
| Return on Equity (ROE) | 7.2865% | 3,210 |
| Retained earnings to average equity (ytd only) | 3.4935% | 3,998 |
| Net charge-offs to loans | 2.0433% | 919 |
| Credit loss provision to net charge-offs | 85.9649% | 4,918 |
| Earnings coverage of net charge-offs (x) | 0.9942% | 5,067 |
| Efficiency ratio | 73.8059% | 3,362 |
| Assets per employee ($millions) | 3.5519% | 4,844 |
| Cash dividends to net income (ytd only)* | 52.0549% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 4,910 |
| Loan loss allowance to noncurrent loans | 218.7500% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 6,521 |
| Noncurrent loans to loans | 0.5984% | 6,013 |
| Net loans and leases to total assets | 37.1459% | 7,221 |
| Net loans and leases to deposits | 41.0780% | 7,339 |
| Net loans and leases to core deposits | 43.7078% | 7,331 |
| Total domestic deposits to total assets | 90.4276% | 670 |
| Equity capital to assets | 9.3788% | 5,013 |
| Core capital (leverage) ratio | 9.1713% | 4,423 |
| Tier 1 risk-based capital ratio | 18.2771% | 1,943 |
| Total risk-based capital ratio | 19.2489% | 1,986 |
| Memoranda: | ||
| Average total assets | $28,979,000 | 7,333 |
| Average earning assets | $27,237,250 | 7,269 |
| Average equity | $2,671,500 | 7,456 |
| Average total loans | $11,157,750 | 7,437 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 7,449 |
| Cost of funding earning assets | 0.9346% | 6,445 |
| Net interest margin | 2.9352% | 6,959 |
| Noninterest income to average assets | 0.2811% | 5,897 |
| Noninterest expense to average assets | 2.1257% | 6,828 |
| Loan and lease loss provision to assets | 0.4183% | 3,229 |
| Net operating income to assets | 0.4937% | 4,355 |
| Return on assets (ROA) | 0.8297% | 2,978 |
| Pretax return on assets | 0.8297% | 3,778 |
| Return on Equity (ROE) | 9.0512% | 2,444 |
| Retained earnings to average equity (ytd only) | 3.3662% | 3,966 |
| Net charge-offs to loans | 0.9901% | 1,871 |
| Credit loss provision to net charge-offs | 108.9286% | 3,744 |
| Earnings coverage of net charge-offs (x) | 2.3750% | 3,806 |
| Efficiency ratio | 69.9774% | 4,192 |
| Assets per employee ($millions) | 3.2156% | 5,646 |
| Cash dividends to net income (ytd only)* | 62.8099% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 3,944 |
| Loan loss allowance to noncurrent loans | 47.4719% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.3476% | 4,465 |
| Noncurrent loans to loans | 3.1585% | 2,533 |
| Net loans and leases to total assets | 38.3621% | 7,250 |
| Net loans and leases to deposits | 42.4178% | 7,380 |
| Net loans and leases to core deposits | 44.3672% | 7,395 |
| Total domestic deposits to total assets | 90.4388% | 706 |
| Equity capital to assets | 9.2536% | 5,070 |
| Core capital (leverage) ratio | 8.7256% | 5,039 |
| Tier 1 risk-based capital ratio | 17.4472% | 2,121 |
| Total risk-based capital ratio | 18.5777% | 2,123 |
| Memoranda: | ||
| Average total assets | $29,167,000 | 7,378 |
| Average earning assets | $27,391,670 | 7,319 |
| Average equity | $2,673,670 | 7,508 |
| Average total loans | $11,312,000 | 7,487 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 7,616 |
| Cost of funding earning assets | 0.9428% | 6,608 |
| Net interest margin | 2.7995% | 7,175 |
| Noninterest income to average assets | 0.3279% | 5,519 |
| Noninterest expense to average assets | 2.0901% | 6,969 |
| Loan and lease loss provision to assets | 0.1776% | 4,747 |
| Net operating income to assets | 0.6967% | 3,454 |
| Return on assets (ROA) | 0.6967% | 3,570 |
| Pretax return on assets | 0.6967% | 4,247 |
| Return on Equity (ROE) | 7.6362% | 3,057 |
| Retained earnings to average equity (ytd only) | 4.1924% | 3,633 |
| Net charge-offs to loans | 0.4589% | 2,671 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 4.9231% | 2,511 |
| Efficiency ratio | 70.5069% | 4,220 |
| Assets per employee ($millions) | 3.7289% | 4,503 |
| Cash dividends to net income (ytd only)* | 45.0980% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 3,896 |
| Loan loss allowance to noncurrent loans | 256.2500% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 6,658 |
| Noncurrent loans to loans | 0.5865% | 6,135 |
| Net loans and leases to total assets | 36.0296% | 7,422 |
| Net loans and leases to deposits | 39.7500% | 7,526 |
| Net loans and leases to core deposits | 42.6694% | 7,511 |
| Total domestic deposits to total assets | 90.6406% | 680 |
| Equity capital to assets | 9.0141% | 5,256 |
| Core capital (leverage) ratio | 8.8021% | 4,850 |
| Tier 1 risk-based capital ratio | 17.3497% | 2,124 |
| Total risk-based capital ratio | 18.4478% | 2,150 |
| Memoranda: | ||
| Average total assets | $29,280,500 | 7,463 |
| Average earning assets | $27,576,500 | 7,405 |
| Average equity | $2,671,500 | 7,590 |
| Average total loans | $11,332,500 | 7,578 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 7,490 |
| Cost of funding earning assets | 1.1039% | 6,966 |
| Net interest margin | 3.2806% | 5,818 |
| Noninterest income to average assets | 0.3961% | 5,231 |
| Noninterest expense to average assets | 2.5872% | 5,835 |
| Loan and lease loss provision to assets | 0.0495% | 7,065 |
| Net operating income to assets | 0.8253% | 2,430 |
| Return on assets (ROA) | 0.8500% | 2,429 |
| Pretax return on assets | 0.8500% | 3,087 |
| Return on Equity (ROE) | 7.8752% | 2,424 |
| Retained earnings to average equity (ytd only) | 3.9376% | 2,446 |
| Net charge-offs to loans | 0.0379% | 6,738 |
| Credit loss provision to net charge-offs | 300.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 493 |
| Efficiency ratio | 74.7318% | 3,753 |
| Assets per employee ($millions) | 3.5913% | 4,803 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 4,260 |
| Loan loss allowance to noncurrent loans | 256.2500% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 6,591 |
| Noncurrent loans to loans | 0.5445% | 6,154 |
| Net loans and leases to total assets | 40.3376% | 7,334 |
| Net loans and leases to deposits | 44.6160% | 7,489 |
| Net loans and leases to core deposits | 71.9188% | 6,665 |
| Total domestic deposits to total assets | 90.4107% | 774 |
| Equity capital to assets | 9.2377% | 4,791 |
| Core capital (leverage) ratio | 9.6382% | 3,537 |
| Tier 1 risk-based capital ratio | 16.6753% | 2,245 |
| Total risk-based capital ratio | 17.7424% | 2,270 |
| Memoranda: | ||
| Average total assets | $24,234,400 | 7,661 |
| Average earning assets | $22,648,000 | 7,629 |
| Average equity | $2,615,800 | 7,700 |
| Average total loans | $10,546,200 | 7,679 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 7,474 |
| Cost of funding earning assets | 1.1668% | 6,985 |
| Net interest margin | 3.3647% | 5,392 |
| Noninterest income to average assets | 0.3923% | 5,363 |
| Noninterest expense to average assets | 2.5789% | 5,787 |
| Loan and lease loss provision to assets | 0.0519% | 6,858 |
| Net operating income to assets | 0.9058% | 2,402 |
| Return on assets (ROA) | 0.9692% | 2,220 |
| Pretax return on assets | 0.9692% | 2,997 |
| Return on Equity (ROE) | 8.5943% | 2,416 |
| Retained earnings to average equity (ytd only) | 3.3251% | 3,445 |
| Net charge-offs to loans | -0.2733% | 7,991 |
| Credit loss provision to net charge-offs | -42.8571% | 7,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9201% | 4,069 |
| Assets per employee ($millions) | 3.3794% | 5,207 |
| Cash dividends to net income (ytd only)* | 61.3108% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7322% | 2,514 |
| Loan loss allowance to noncurrent loans | 442.8571% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 6,681 |
| Noncurrent loans to loans | 0.3911% | 6,560 |
| Net loans and leases to total assets | 44.6060% | 7,205 |
| Net loans and leases to deposits | 50.5533% | 7,383 |
| Net loans and leases to core deposits | 70.2156% | 6,958 |
| Total domestic deposits to total assets | 88.2355% | 1,540 |
| Equity capital to assets | 11.2699% | 2,773 |
| Core capital (leverage) ratio | 10.9697% | 2,424 |
| Tier 1 risk-based capital ratio | 18.2759% | 1,914 |
| Total risk-based capital ratio | 19.5281% | 1,858 |
| Memoranda: | ||
| Average total assets | $23,110,500 | 7,763 |
| Average earning assets | $21,596,000 | 7,730 |
| Average equity | $2,606,250 | 7,780 |
| Average total loans | $10,244,500 | 7,767 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6480% | 7,463 |
| Cost of funding earning assets | 1.2420% | 6,988 |
| Net interest margin | 3.4060% | 5,137 |
| Noninterest income to average assets | 0.4012% | 5,271 |
| Noninterest expense to average assets | 2.4947% | 6,144 |
| Loan and lease loss provision to assets | 0.0523% | 6,703 |
| Net operating income to assets | 1.0118% | 2,065 |
| Return on assets (ROA) | 1.1078% | 1,825 |
| Pretax return on assets | 1.1078% | 2,609 |
| Return on Equity (ROE) | 9.8209% | 2,083 |
| Retained earnings to average equity (ytd only) | 3.6345% | 3,280 |
| Net charge-offs to loans | -0.4167% | 8,094 |
| Credit loss provision to net charge-offs | -28.5714% | 6,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0980% | 4,759 |
| Assets per employee ($millions) | 3.2150% | 5,549 |
| Cash dividends to net income (ytd only)* | 62.9921% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 1,906 |
| Loan loss allowance to noncurrent loans | 210.3448% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 6,492 |
| Noncurrent loans to loans | 0.8801% | 5,452 |
| Net loans and leases to total assets | 43.1104% | 7,386 |
| Net loans and leases to deposits | 48.9753% | 7,524 |
| Net loans and leases to core deposits | 64.6628% | 7,264 |
| Total domestic deposits to total assets | 88.0249% | 1,757 |
| Equity capital to assets | 11.4997% | 2,544 |
| Core capital (leverage) ratio | 11.4433% | 2,111 |
| Tier 1 risk-based capital ratio | 20.3292% | 1,513 |
| Total risk-based capital ratio | 21.5780% | 1,470 |
| Memoranda: | ||
| Average total assets | $22,928,670 | 7,852 |
| Average earning assets | $21,256,330 | 7,815 |
| Average equity | $2,586,330 | 7,861 |
| Average total loans | $10,080,000 | 7,855 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8667% | 7,252 |
| Cost of funding earning assets | 1.3290% | 6,935 |
| Net interest margin | 3.5378% | 4,576 |
| Noninterest income to average assets | 0.3976% | 5,227 |
| Noninterest expense to average assets | 2.5064% | 5,815 |
| Loan and lease loss provision to assets | 0.0519% | 6,309 |
| Net operating income to assets | 1.1063% | 1,943 |
| Return on assets (ROA) | 1.1063% | 2,068 |
| Pretax return on assets | 1.1063% | 2,964 |
| Return on Equity (ROE) | 9.9014% | 2,360 |
| Retained earnings to average equity (ytd only) | 5.2601% | 2,984 |
| Net charge-offs to loans | -0.7860% | 8,142 |
| Credit loss provision to net charge-offs | -15.0000% | 6,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3962% | 4,894 |
| Assets per employee ($millions) | 3.3133% | 5,292 |
| Cash dividends to net income (ytd only)* | 46.8750% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 1,724 |
| Loan loss allowance to noncurrent loans | 245.2055% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 6,569 |
| Noncurrent loans to loans | 0.7573% | 5,529 |
| Net loans and leases to total assets | 40.7925% | 7,528 |
| Net loans and leases to deposits | 46.2686% | 7,652 |
| Net loans and leases to core deposits | 63.2716% | 7,342 |
| Total domestic deposits to total assets | 88.1645% | 1,672 |
| Equity capital to assets | 11.2750% | 2,747 |
| Core capital (leverage) ratio | 10.7741% | 2,680 |
| Tier 1 risk-based capital ratio | 20.1243% | 1,606 |
| Total risk-based capital ratio | 21.3750% | 1,557 |
| Memoranda: | ||
| Average total assets | $23,140,500 | 7,896 |
| Average earning assets | $21,369,500 | 7,863 |
| Average equity | $2,585,500 | 7,913 |
| Average total loans | $10,177,500 | 7,902 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5192% | 7,253 |
| Cost of funding earning assets | 1.7909% | 7,032 |
| Net interest margin | 3.7283% | 4,336 |
| Noninterest income to average assets | 0.5225% | 4,447 |
| Noninterest expense to average assets | 2.8272% | 4,707 |
| Loan and lease loss provision to assets | 0.0560% | 6,710 |
| Net operating income to assets | 1.2037% | 1,755 |
| Return on assets (ROA) | 1.2037% | 1,693 |
| Pretax return on assets | 1.2037% | 2,622 |
| Return on Equity (ROE) | 10.7437% | 1,982 |
| Retained earnings to average equity (ytd only) | 6.7461% | 1,243 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1781% | 4,496 |
| Assets per employee ($millions) | 3.2983% | 5,216 |
| Cash dividends to net income (ytd only)* | 37.2093% | 3,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 2,891 |
| Loan loss allowance to noncurrent loans | 503.2258% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 7,042 |
| Noncurrent loans to loans | 0.2893% | 6,511 |
| Net loans and leases to total assets | 45.7337% | 7,353 |
| Net loans and leases to deposits | 51.7218% | 7,547 |
| Net loans and leases to core deposits | 69.8531% | 7,198 |
| Total domestic deposits to total assets | 88.4226% | 1,282 |
| Equity capital to assets | 11.0707% | 2,978 |
| Core capital (leverage) ratio | 11.0786% | 2,528 |
| Tier 1 risk-based capital ratio | 18.5913% | 1,897 |
| Total risk-based capital ratio | 19.7703% | 1,858 |
| Memoranda: | ||
| Average total assets | $21,434,400 | 7,974 |
| Average earning assets | $20,492,000 | 7,914 |
| Average equity | $2,401,400 | 8,020 |
| Average total loans | $10,173,800 | 7,930 |