Home > First Bank of Lincoln > Performance and Condition Ratios
First Bank of Lincoln, Performance and Condition Ratios
| 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 | 5.4998% | 258 |
| Cost of funding earning assets | 0.4773% | 2,306 |
| Net interest margin | 5.0224% | 239 |
| Noninterest income to average assets | 0.4342% | 3,585 |
| Noninterest expense to average assets | 5.8532% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.2158% | 6,045 |
| Return on assets (ROA) | -1.2158% | 6,046 |
| Pretax return on assets | -1.2158% | 6,035 |
| Return on Equity (ROE) | -11.1111% | 6,034 |
| Retained earnings to average equity (ytd only) | -11.1111% | 5,838 |
| 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 | 126.2172% | 81 |
| Assets per employee ($millions) | 4.0092% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5994% | 5,745 |
| 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 | 79.2767% | 915 |
| Net loans and leases to deposits | 108.7043% | 257 |
| Net loans and leases to core deposits | 120.0655% | 463 |
| Total domestic deposits to total assets | 72.9287% | 5,714 |
| Equity capital to assets | 10.3305% | 3,708 |
| Core capital (leverage) ratio | 8.5261% | 5,370 |
| Tier 1 risk-based capital ratio | 10.2855% | 5,834 |
| Total risk-based capital ratio | 10.9038% | 5,956 |
| Memoranda: | ||
| Average total assets | $23,030,000 | 5,999 |
| Average earning assets | $19,273,500 | 6,010 |
| Average equity | $2,520,000 | 5,990 |
| Average total loans | $18,413,500 | 5,737 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0310% | 127 |
| Cost of funding earning assets | 0.5379% | 1,858 |
| Net interest margin | 5.4930% | 123 |
| Noninterest income to average assets | 0.7867% | 1,840 |
| Noninterest expense to average assets | 3.6237% | 1,082 |
| Loan and lease loss provision to assets | 0.2944% | 589 |
| Net operating income to assets | 1.2739% | 1,334 |
| Return on assets (ROA) | 1.2739% | 1,383 |
| Pretax return on assets | 1.2739% | 2,384 |
| Return on Equity (ROE) | 10.1718% | 1,948 |
| Retained earnings to average equity (ytd only) | 10.1718% | 444 |
| Net charge-offs to loans | 0.1915% | 1,514 |
| Credit loss provision to net charge-offs | 207.1429% | 1,353 |
| Earnings coverage of net charge-offs (x) | 11.0357% | 2,630 |
| Efficiency ratio | 69.7947% | 3,256 |
| Assets per employee ($millions) | 3.6675% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6519% | 5,722 |
| 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 | 79.6501% | 886 |
| Net loans and leases to deposits | 100.5623% | 641 |
| Net loans and leases to core deposits | 118.6180% | 520 |
| Total domestic deposits to total assets | 79.2047% | 4,932 |
| Equity capital to assets | 11.6110% | 2,270 |
| Core capital (leverage) ratio | 10.4242% | 3,029 |
| Tier 1 risk-based capital ratio | 11.6716% | 5,151 |
| Total risk-based capital ratio | 12.3484% | 5,372 |
| Memoranda: | ||
| Average total assets | $19,703,400 | 6,097 |
| Average earning assets | $15,801,800 | 6,114 |
| Average equity | $2,467,600 | 6,053 |
| Average total loans | $14,618,600 | 5,903 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1019% | 121 |
| Cost of funding earning assets | 0.5786% | 1,557 |
| Net interest margin | 5.5233% | 122 |
| Noninterest income to average assets | 1.5683% | 513 |
| Noninterest expense to average assets | 3.5549% | 1,189 |
| Loan and lease loss provision to assets | 0.3903% | 315 |
| Net operating income to assets | 2.0144% | 355 |
| Return on assets (ROA) | 2.0144% | 373 |
| Pretax return on assets | 2.0144% | 585 |
| Return on Equity (ROE) | 15.7547% | 628 |
| Retained earnings to average equity (ytd only) | 15.7547% | 137 |
| Net charge-offs to loans | 0.2789% | 957 |
| Credit loss provision to net charge-offs | 193.1034% | 1,374 |
| Earnings coverage of net charge-offs (x) | 11.8953% | 2,449 |
| Efficiency ratio | 59.6491% | 4,926 |
| Assets per employee ($millions) | 3.4412% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6887% | 5,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4482% | 1,559 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.2244% | 1,069 |
| Net loans and leases to deposits | 89.5834% | 1,704 |
| Net loans and leases to core deposits | 105.6795% | 1,125 |
| Total domestic deposits to total assets | 87.3202% | 1,885 |
| Equity capital to assets | 12.5587% | 1,712 |
| Core capital (leverage) ratio | 10.9897% | 2,499 |
| Tier 1 risk-based capital ratio | 12.7814% | 4,563 |
| Total risk-based capital ratio | 13.4898% | 4,831 |
| Memoranda: | ||
| Average total assets | $19,128,000 | 6,191 |
| Average earning assets | $15,208,000 | 6,206 |
| Average equity | $2,445,750 | 6,141 |
| Average total loans | $13,862,750 | 6,005 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0922% | 120 |
| Cost of funding earning assets | 0.5874% | 1,505 |
| Net interest margin | 5.5048% | 121 |
| Noninterest income to average assets | 1.9118% | 394 |
| Noninterest expense to average assets | 3.4798% | 1,333 |
| Loan and lease loss provision to assets | 0.6014% | 152 |
| Net operating income to assets | 2.1588% | 275 |
| Return on assets (ROA) | 2.1588% | 291 |
| Pretax return on assets | 2.1588% | 446 |
| Return on Equity (ROE) | 16.7733% | 516 |
| Retained earnings to average equity (ytd only) | 16.7733% | 133 |
| Net charge-offs to loans | 0.4593% | 557 |
| Credit loss provision to net charge-offs | 186.6667% | 1,309 |
| Earnings coverage of net charge-offs (x) | 8.5667% | 2,549 |
| Efficiency ratio | 55.7659% | 5,450 |
| Assets per employee ($millions) | 3.4013% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 5,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4700% | 1,688 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 69.1200% | 2,462 |
| Net loans and leases to deposits | 78.9014% | 2,917 |
| Net loans and leases to core deposits | 101.2853% | 1,377 |
| Total domestic deposits to total assets | 87.6029% | 1,838 |
| Equity capital to assets | 12.2746% | 1,824 |
| Core capital (leverage) ratio | 10.9055% | 2,514 |
| Tier 1 risk-based capital ratio | 13.8457% | 4,011 |
| Total risk-based capital ratio | 14.6479% | 4,208 |
| Memoranda: | ||
| Average total assets | $18,621,670 | 6,274 |
| Average earning assets | $14,641,670 | 6,284 |
| Average equity | $2,396,670 | 6,215 |
| Average total loans | $13,062,670 | 6,095 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0911% | 119 |
| Cost of funding earning assets | 0.6091% | 1,372 |
| Net interest margin | 5.4820% | 123 |
| Noninterest income to average assets | 1.3989% | 594 |
| Noninterest expense to average assets | 3.3618% | 1,572 |
| Loan and lease loss provision to assets | 0.5641% | 174 |
| Net operating income to assets | 1.7373% | 543 |
| Return on assets (ROA) | 1.7373% | 576 |
| Pretax return on assets | 1.7373% | 973 |
| Return on Equity (ROE) | 13.1483% | 1,050 |
| Retained earnings to average equity (ytd only) | 13.1483% | 430 |
| Net charge-offs to loans | 0.9932% | 238 |
| Credit loss provision to net charge-offs | 80.6452% | 1,819 |
| Earnings coverage of net charge-offs (x) | 3.2903% | 2,626 |
| Efficiency ratio | 59.3625% | 5,174 |
| Assets per employee ($millions) | 2.9532% | 5,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6288% | 6,020 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 423 |
| Noncurrent assets plus other real estate owned to assets | 2.7485% | 731 |
| Noncurrent loans to loans | 0.0472% | 5,596 |
| Net loans and leases to total assets | 71.3528% | 1,925 |
| Net loans and leases to deposits | 82.5746% | 2,269 |
| Net loans and leases to core deposits | 89.6412% | 2,162 |
| Total domestic deposits to total assets | 86.4101% | 2,706 |
| Equity capital to assets | 13.4376% | 1,197 |
| Core capital (leverage) ratio | 10.5858% | 2,865 |
| Tier 1 risk-based capital ratio | 13.7703% | 4,168 |
| Total risk-based capital ratio | 14.3792% | 4,459 |
| Memoranda: | ||
| Average total assets | $17,728,500 | 6,346 |
| Average earning assets | $13,790,500 | 6,361 |
| Average equity | $2,342,500 | 6,288 |
| Average total loans | $12,485,000 | 6,164 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6409% | 250 |
| Cost of funding earning assets | 0.6198% | 1,607 |
| Net interest margin | 5.0211% | 296 |
| Noninterest income to average assets | 1.4758% | 563 |
| Noninterest expense to average assets | 3.4684% | 1,552 |
| Loan and lease loss provision to assets | 0.4479% | 373 |
| Net operating income to assets | 1.6998% | 580 |
| Return on assets (ROA) | 1.6998% | 601 |
| Pretax return on assets | 1.6998% | 986 |
| Return on Equity (ROE) | 12.5371% | 1,258 |
| Retained earnings to average equity (ytd only) | 1.9483% | 4,823 |
| Net charge-offs to loans | 0.1324% | 2,691 |
| Credit loss provision to net charge-offs | 487.5000% | 537 |
| Earnings coverage of net charge-offs (x) | 23.3750% | 1,586 |
| Efficiency ratio | 61.7587% | 4,944 |
| Assets per employee ($millions) | 2.9563% | 5,754 |
| Cash dividends to net income (ytd only)* | 84.4595% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6940% | 6,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3206% | 571 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 68.5647% | 2,483 |
| Net loans and leases to deposits | 78.9330% | 2,846 |
| Net loans and leases to core deposits | 78.9330% | 3,417 |
| Total domestic deposits to total assets | 86.8644% | 2,347 |
| Equity capital to assets | 12.9891% | 1,379 |
| Core capital (leverage) ratio | 10.3893% | 3,071 |
| Tier 1 risk-based capital ratio | 14.4225% | 3,820 |
| Total risk-based capital ratio | 15.1303% | 4,124 |
| Memoranda: | ||
| Average total assets | $17,414,200 | 6,442 |
| Average earning assets | $14,359,400 | 6,444 |
| Average equity | $2,361,000 | 6,365 |
| Average total loans | $12,080,600 | 6,251 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6002% | 274 |
| Cost of funding earning assets | 0.6069% | 1,776 |
| Net interest margin | 4.9932% | 303 |
| Noninterest income to average assets | 1.6461% | 479 |
| Noninterest expense to average assets | 3.4922% | 1,474 |
| Loan and lease loss provision to assets | 0.4923% | 307 |
| Net operating income to assets | 1.8384% | 477 |
| Return on assets (ROA) | 1.8384% | 488 |
| Pretax return on assets | 1.8384% | 817 |
| Return on Equity (ROE) | 13.4159% | 1,115 |
| Retained earnings to average equity (ytd only) | 13.4159% | 288 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9736% | 5,183 |
| Assets per employee ($millions) | 3.3574% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7131% | 6,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.5087% | 613 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 73.8131% | 1,553 |
| Net loans and leases to deposits | 87.0277% | 1,785 |
| Net loans and leases to core deposits | 87.0277% | 2,539 |
| Total domestic deposits to total assets | 84.8156% | 3,414 |
| Equity capital to assets | 14.8806% | 757 |
| Core capital (leverage) ratio | 11.6798% | 1,919 |
| Tier 1 risk-based capital ratio | 16.5777% | 2,784 |
| Total risk-based capital ratio | 17.3438% | 2,964 |
| Memoranda: | ||
| Average total assets | $17,333,250 | 6,523 |
| Average earning assets | $14,499,250 | 6,522 |
| Average equity | $2,375,250 | 6,437 |
| Average total loans | $12,039,000 | 6,319 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3586% | 396 |
| Cost of funding earning assets | 0.6028% | 1,877 |
| Net interest margin | 4.7557% | 444 |
| Noninterest income to average assets | 1.4387% | 586 |
| Noninterest expense to average assets | 3.3342% | 1,831 |
| Loan and lease loss provision to assets | 0.3882% | 438 |
| Net operating income to assets | 1.7699% | 515 |
| Return on assets (ROA) | 1.7699% | 539 |
| Pretax return on assets | 1.7699% | 896 |
| Return on Equity (ROE) | 13.2800% | 1,104 |
| Retained earnings to average equity (ytd only) | 13.2800% | 314 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7069% | 5,190 |
| Assets per employee ($millions) | 2.7785% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4773% | 6,440 |
| Loan loss allowance to noncurrent loans | 19.3980% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 3.6231% | 631 |
| Noncurrent loans to loans | 2.4605% | 1,272 |
| Net loans and leases to total assets | 72.5451% | 1,642 |
| Net loans and leases to deposits | 85.1390% | 1,911 |
| Net loans and leases to core deposits | 85.1390% | 2,594 |
| Total domestic deposits to total assets | 85.2078% | 3,407 |
| Equity capital to assets | 14.4742% | 826 |
| Core capital (leverage) ratio | 11.0710% | 2,358 |
| Tier 1 risk-based capital ratio | 16.1946% | 2,982 |
| Total risk-based capital ratio | 16.7048% | 3,317 |
| Memoranda: | ||
| Average total assets | $17,515,330 | 6,586 |
| Average earning assets | $14,929,330 | 6,582 |
| Average equity | $2,334,330 | 6,501 |
| Average total loans | $11,892,000 | 6,385 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8334% | 981 |
| Cost of funding earning assets | 0.5945% | 2,019 |
| Net interest margin | 4.2390% | 1,121 |
| Noninterest income to average assets | 1.5387% | 501 |
| Noninterest expense to average assets | 3.0328% | 2,758 |
| Loan and lease loss provision to assets | 0.5352% | 265 |
| Net operating income to assets | 1.6279% | 644 |
| Return on assets (ROA) | 1.6279% | 668 |
| Pretax return on assets | 1.6279% | 1,117 |
| Return on Equity (ROE) | 12.7233% | 1,230 |
| Retained earnings to average equity (ytd only) | 12.7233% | 522 |
| Net charge-offs to loans | -0.0340% | 5,632 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3691% | 5,612 |
| Assets per employee ($millions) | 3.4252% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4167% | 6,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7868% | 1,967 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 69.7769% | 1,937 |
| Net loans and leases to deposits | 81.0115% | 2,160 |
| Net loans and leases to core deposits | 81.0115% | 2,849 |
| Total domestic deposits to total assets | 86.1322% | 3,293 |
| Equity capital to assets | 13.6167% | 1,069 |
| Core capital (leverage) ratio | 10.4389% | 3,008 |
| Tier 1 risk-based capital ratio | 15.5711% | 3,399 |
| Total risk-based capital ratio | 16.0134% | 3,790 |
| Memoranda: | ||
| Average total assets | $17,937,500 | 6,652 |
| Average earning assets | $15,475,500 | 6,647 |
| Average equity | $2,295,000 | 6,567 |
| Average total loans | $11,762,000 | 6,450 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9523% | 6,777 |
| Cost of funding earning assets | 0.1109% | 6,648 |
| Net interest margin | 0.8414% | 6,772 |
| Noninterest income to average assets | 0.3935% | 4,496 |
| Noninterest expense to average assets | 0.6538% | 6,780 |
| Loan and lease loss provision to assets | 0.1453% | 2,482 |
| Net operating income to assets | 0.3753% | 5,242 |
| Return on assets (ROA) | 0.3753% | 5,355 |
| Pretax return on assets | 0.3753% | 5,549 |
| Return on Equity (ROE) | 3.0846% | 5,472 |
| Retained earnings to average equity (ytd only) | 3.0846% | 4,039 |
| Net charge-offs to loans | 0.1849% | 2,992 |
| Credit loss provision to net charge-offs | 114.2857% | 2,115 |
| Earnings coverage of net charge-offs (x) | 4.0952% | 3,674 |
| Efficiency ratio | 55.6701% | 5,982 |
| Assets per employee ($millions) | 3.7498% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2083% | 6,709 |
| Loan loss allowance to noncurrent loans | 63.1579% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.8454% | 1,979 |
| Noncurrent loans to loans | 0.3297% | 5,193 |
| Net loans and leases to total assets | 61.3366% | 3,477 |
| Net loans and leases to deposits | 69.9003% | 3,793 |
| Net loans and leases to core deposits | 69.9003% | 4,293 |
| Total domestic deposits to total assets | 87.7487% | 2,334 |
| Equity capital to assets | 12.0433% | 1,774 |
| Core capital (leverage) ratio | 9.6156% | 4,096 |
| Tier 1 risk-based capital ratio | 15.4156% | 3,425 |
| Total risk-based capital ratio | 15.6350% | 3,970 |
| Memoranda: | ||
| Average total assets | $16,518,000 | 6,747 |
| Average earning assets | $15,332,000 | 6,731 |
| Average equity | $2,010,000 | 6,683 |
| Average total loans | $11,358,600 | 6,544 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0736% | 814 |
| Cost of funding earning assets | 0.6983% | 1,964 |
| Net interest margin | 4.3753% | 943 |
| Noninterest income to average assets | 0.3927% | 4,589 |
| Noninterest expense to average assets | 3.5922% | 1,414 |
| Loan and lease loss provision to assets | 0.2088% | 1,741 |
| Net operating income to assets | 0.7268% | 3,720 |
| Return on assets (ROA) | 0.1587% | 6,089 |
| Pretax return on assets | 0.1587% | 6,118 |
| Return on Equity (ROE) | 1.3003% | 6,121 |
| Retained earnings to average equity (ytd only) | 1.3003% | 5,463 |
| Net charge-offs to loans | 0.1531% | 3,014 |
| Credit loss provision to net charge-offs | 192.3077% | 1,253 |
| Earnings coverage of net charge-offs (x) | 8.6168% | 2,598 |
| Efficiency ratio | 79.3358% | 2,216 |
| Assets per employee ($millions) | 2.7058% | 6,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 2,824 |
| Loan loss allowance to noncurrent loans | 474.3590% | 931 |
| Noncurrent assets plus other real estate owned to assets | 1.9895% | 2,027 |
| Noncurrent loans to loans | 0.3465% | 5,341 |
| Net loans and leases to total assets | 68.1922% | 2,263 |
| Net loans and leases to deposits | 77.8059% | 2,701 |
| Net loans and leases to core deposits | 77.8059% | 3,384 |
| Total domestic deposits to total assets | 87.6440% | 2,331 |
| Equity capital to assets | 12.0665% | 1,875 |
| Core capital (leverage) ratio | 12.0658% | 1,632 |
| Tier 1 risk-based capital ratio | 19.0324% | 1,985 |
| Total risk-based capital ratio | 20.2176% | 1,956 |
| Memoranda: | ||
| Average total assets | $15,960,250 | 6,830 |
| Average earning assets | $15,084,250 | 6,811 |
| Average equity | $1,948,000 | 6,776 |
| Average total loans | $11,317,250 | 6,617 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0887% | 787 |
| Cost of funding earning assets | 0.6909% | 2,138 |
| Net interest margin | 4.3978% | 852 |
| Noninterest income to average assets | 0.4915% | 3,890 |
| Noninterest expense to average assets | 3.8441% | 1,044 |
| Loan and lease loss provision to assets | 0.3151% | 1,126 |
| Net operating income to assets | 0.5041% | 4,779 |
| Return on assets (ROA) | -0.3403% | 6,604 |
| Pretax return on assets | -0.3403% | 6,572 |
| Return on Equity (ROE) | -2.7773% | 6,564 |
| Retained earnings to average equity (ytd only) | -2.7773% | 6,279 |
| Net charge-offs to loans | 0.1411% | 2,969 |
| Credit loss provision to net charge-offs | 312.5000% | 824 |
| Earnings coverage of net charge-offs (x) | 8.1250% | 2,451 |
| Efficiency ratio | 82.4324% | 1,832 |
| Assets per employee ($millions) | 2.6465% | 6,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 2,797 |
| Loan loss allowance to noncurrent loans | 132.8671% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 2.0278% | 2,125 |
| Noncurrent loans to loans | 1.2752% | 3,422 |
| Net loans and leases to total assets | 69.4250% | 1,990 |
| Net loans and leases to deposits | 79.2068% | 2,433 |
| Net loans and leases to core deposits | 79.2068% | 3,130 |
| Total domestic deposits to total assets | 87.6504% | 2,467 |
| Equity capital to assets | 12.0474% | 1,884 |
| Core capital (leverage) ratio | 11.9765% | 1,630 |
| Tier 1 risk-based capital ratio | 19.0823% | 1,976 |
| Total risk-based capital ratio | 20.2993% | 1,947 |
| Memoranda: | ||
| Average total assets | $15,868,670 | 6,881 |
| Average earning assets | $15,053,000 | 6,863 |
| Average equity | $1,944,330 | 6,825 |
| Average total loans | $11,337,670 | 6,658 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 771 |
| Cost of funding earning assets | 0.6879% | 2,322 |
| Net interest margin | 4.3918% | 817 |
| Noninterest income to average assets | 0.5295% | 3,575 |
| Noninterest expense to average assets | 3.5301% | 1,559 |
| Loan and lease loss provision to assets | 0.3782% | 844 |
| Net operating income to assets | 0.8069% | 3,120 |
| Return on assets (ROA) | 0.8069% | 3,257 |
| Pretax return on assets | 0.8069% | 4,146 |
| Return on Equity (ROE) | 6.5306% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.5306% | 2,397 |
| Net charge-offs to loans | 0.2807% | 1,839 |
| Credit loss provision to net charge-offs | 187.5000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 5.8750% | 2,311 |
| Efficiency ratio | 74.8663% | 3,114 |
| Assets per employee ($millions) | 2.6962% | 6,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 3,492 |
| Loan loss allowance to noncurrent loans | 82.9493% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.8916% | 2,485 |
| Noncurrent loans to loans | 1.9037% | 2,730 |
| Net loans and leases to total assets | 69.3515% | 1,771 |
| Net loans and leases to deposits | 79.2694% | 2,173 |
| Net loans and leases to core deposits | 79.2694% | 2,892 |
| Total domestic deposits to total assets | 87.4884% | 2,635 |
| Equity capital to assets | 12.1901% | 1,914 |
| Core capital (leverage) ratio | 12.7828% | 1,201 |
| Tier 1 risk-based capital ratio | 19.0623% | 2,030 |
| Total risk-based capital ratio | 20.2513% | 2,016 |
| Memoranda: | ||
| Average total assets | $15,863,500 | 6,954 |
| Average earning assets | $15,119,000 | 6,937 |
| Average equity | $1,960,000 | 6,885 |
| Average total loans | $11,399,500 | 6,724 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5044% | 615 |
| Cost of funding earning assets | 0.8561% | 2,256 |
| Net interest margin | 4.6483% | 719 |
| Noninterest income to average assets | 0.6100% | 3,227 |
| Noninterest expense to average assets | 3.8656% | 1,140 |
| Loan and lease loss provision to assets | 0.2697% | 2,493 |
| Net operating income to assets | 0.6935% | 3,768 |
| Return on assets (ROA) | 0.6935% | 4,031 |
| Pretax return on assets | 0.6935% | 4,685 |
| Return on Equity (ROE) | 5.5953% | 4,374 |
| Retained earnings to average equity (ytd only) | 2.6940% | 4,338 |
| Net charge-offs to loans | 0.0267% | 5,526 |
| Credit loss provision to net charge-offs | 1,400.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 682 |
| Efficiency ratio | 80.0532% | 2,138 |
| Assets per employee ($millions) | 2.5917% | 6,546 |
| Cash dividends to net income (ytd only)* | 51.8519% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 3,642 |
| Loan loss allowance to noncurrent loans | 57.4257% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 1.9486% | 2,513 |
| Noncurrent loans to loans | 2.6579% | 1,993 |
| Net loans and leases to total assets | 72.1929% | 1,456 |
| Net loans and leases to deposits | 83.1740% | 1,859 |
| Net loans and leases to core deposits | 83.1740% | 2,649 |
| Total domestic deposits to total assets | 86.7974% | 2,936 |
| Equity capital to assets | 12.5273% | 1,689 |
| Core capital (leverage) ratio | 12.2285% | 1,440 |
| Tier 1 risk-based capital ratio | 19.6668% | 1,768 |
| Total risk-based capital ratio | 20.8582% | 1,750 |
| Memoranda: | ||
| Average total assets | $15,573,200 | 7,017 |
| Average earning assets | $14,134,200 | 7,007 |
| Average equity | $1,930,200 | 6,959 |
| Average total loans | $11,240,400 | 6,802 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5423% | 626 |
| Cost of funding earning assets | 0.8791% | 2,318 |
| Net interest margin | 4.6632% | 730 |
| Noninterest income to average assets | 0.6076% | 3,226 |
| Noninterest expense to average assets | 3.8170% | 1,177 |
| Loan and lease loss provision to assets | 0.3595% | 1,811 |
| Net operating income to assets | 0.6076% | 4,358 |
| Return on assets (ROA) | 0.6076% | 4,616 |
| Pretax return on assets | 0.6076% | 5,142 |
| Return on Equity (ROE) | 4.9155% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.9155% | 3,427 |
| Net charge-offs to loans | 0.0357% | 5,146 |
| Credit loss provision to net charge-offs | 1,400.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 37.6650% | 925 |
| Efficiency ratio | 79.7853% | 2,123 |
| Assets per employee ($millions) | 2.6803% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 3,841 |
| Loan loss allowance to noncurrent loans | 65.4135% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.6540% | 3,101 |
| Noncurrent loans to loans | 2.3297% | 2,474 |
| Net loans and leases to total assets | 69.9167% | 1,915 |
| Net loans and leases to deposits | 80.0285% | 2,387 |
| Net loans and leases to core deposits | 80.0285% | 3,204 |
| Total domestic deposits to total assets | 87.3648% | 2,455 |
| Equity capital to assets | 12.2311% | 2,085 |
| Core capital (leverage) ratio | 12.6219% | 1,353 |
| Tier 1 risk-based capital ratio | 20.0224% | 1,750 |
| Total risk-based capital ratio | 21.2337% | 1,739 |
| Memoranda: | ||
| Average total assets | $15,579,000 | 7,110 |
| Average earning assets | $13,952,750 | 7,102 |
| Average equity | $1,925,750 | 7,051 |
| Average total loans | $11,200,500 | 6,894 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7314% | 456 |
| Cost of funding earning assets | 0.9206% | 2,257 |
| Net interest margin | 4.8108% | 548 |
| Noninterest income to average assets | 0.6619% | 2,884 |
| Noninterest expense to average assets | 3.9192% | 1,048 |
| Loan and lease loss provision to assets | 0.3634% | 1,817 |
| Net operating income to assets | 0.5840% | 4,434 |
| Return on assets (ROA) | 0.5840% | 4,697 |
| Pretax return on assets | 0.5840% | 5,194 |
| Return on Equity (ROE) | 4.7071% | 4,956 |
| Retained earnings to average equity (ytd only) | 4.7071% | 3,478 |
| Net charge-offs to loans | 0.0359% | 4,879 |
| Credit loss provision to net charge-offs | 1,400.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 940 |
| Efficiency ratio | 80.5333% | 2,095 |
| Assets per employee ($millions) | 2.6347% | 6,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 4,297 |
| Loan loss allowance to noncurrent loans | 88.4615% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.1513% | 4,086 |
| Noncurrent loans to loans | 1.6257% | 3,469 |
| Net loans and leases to total assets | 69.8001% | 1,952 |
| Net loans and leases to deposits | 79.9391% | 2,393 |
| Net loans and leases to core deposits | 79.9391% | 3,226 |
| Total domestic deposits to total assets | 87.3165% | 2,588 |
| Equity capital to assets | 12.2786% | 1,947 |
| Core capital (leverage) ratio | 12.4152% | 1,392 |
| Tier 1 risk-based capital ratio | 20.6643% | 1,537 |
| Total risk-based capital ratio | 22.0164% | 1,497 |
| Memoranda: | ||
| Average total assets | $15,411,330 | 7,174 |
| Average earning assets | $13,469,670 | 7,172 |
| Average equity | $1,912,000 | 7,105 |
| Average total loans | $11,128,000 | 6,955 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9393% | 335 |
| Cost of funding earning assets | 1.0109% | 1,916 |
| Net interest margin | 4.9283% | 452 |
| Noninterest income to average assets | 0.6047% | 3,201 |
| Noninterest expense to average assets | 3.9177% | 1,041 |
| Loan and lease loss provision to assets | 0.7362% | 691 |
| Net operating income to assets | 0.0526% | 6,326 |
| Return on assets (ROA) | 0.0526% | 6,443 |
| Pretax return on assets | 0.0526% | 6,451 |
| Return on Equity (ROE) | 0.4216% | 6,460 |
| Retained earnings to average equity (ytd only) | 0.4216% | 5,863 |
| Net charge-offs to loans | 0.0721% | 3,774 |
| Credit loss provision to net charge-offs | 1,400.0000% | 248 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,443 |
| Efficiency ratio | 83.2402% | 1,765 |
| Assets per employee ($millions) | 2.6002% | 6,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 4,291 |
| Loan loss allowance to noncurrent loans | 89.4444% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.1538% | 4,200 |
| Noncurrent loans to loans | 1.6444% | 3,635 |
| Net loans and leases to total assets | 69.1302% | 1,928 |
| Net loans and leases to deposits | 79.0573% | 2,335 |
| Net loans and leases to core deposits | 79.0573% | 3,173 |
| Total domestic deposits to total assets | 87.4431% | 2,691 |
| Equity capital to assets | 12.1659% | 1,935 |
| Core capital (leverage) ratio | 12.3834% | 1,395 |
| Tier 1 risk-based capital ratio | 20.7568% | 1,536 |
| Total risk-based capital ratio | 22.0363% | 1,498 |
| Memoranda: | ||
| Average total assets | $15,213,000 | 7,239 |
| Average earning assets | $12,661,500 | 7,245 |
| Average equity | $1,897,500 | 7,164 |
| Average total loans | $11,094,500 | 7,019 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2150% | 293 |
| Cost of funding earning assets | 1.1004% | 2,673 |
| Net interest margin | 5.1146% | 329 |
| Noninterest income to average assets | 0.7182% | 2,503 |
| Noninterest expense to average assets | 3.9993% | 1,040 |
| Loan and lease loss provision to assets | 0.6259% | 1,635 |
| Net operating income to assets | 0.4414% | 4,685 |
| Return on assets (ROA) | 0.4414% | 4,893 |
| Pretax return on assets | 0.4414% | 5,162 |
| Return on Equity (ROE) | 3.4976% | 5,074 |
| Retained earnings to average equity (ytd only) | 1.6705% | 5,016 |
| Net charge-offs to loans | 1.0885% | 1,584 |
| Credit loss provision to net charge-offs | 77.8689% | 4,558 |
| Earnings coverage of net charge-offs (x) | 1.3279% | 4,781 |
| Efficiency ratio | 78.9337% | 2,463 |
| Assets per employee ($millions) | 2.4708% | 6,859 |
| Cash dividends to net income (ytd only)* | 52.2388% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 5,434 |
| Loan loss allowance to noncurrent loans | 74.4444% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.2142% | 4,208 |
| Noncurrent loans to loans | 1.6010% | 3,764 |
| Net loans and leases to total assets | 74.9342% | 1,099 |
| Net loans and leases to deposits | 86.5052% | 1,611 |
| Net loans and leases to core deposits | 86.5052% | 2,567 |
| Total domestic deposits to total assets | 86.6239% | 2,962 |
| Equity capital to assets | 12.7960% | 1,602 |
| Core capital (leverage) ratio | 12.3849% | 1,401 |
| Tier 1 risk-based capital ratio | 20.1081% | 1,614 |
| Total risk-based capital ratio | 21.3589% | 1,582 |
| Memoranda: | ||
| Average total assets | $15,177,800 | 7,285 |
| Average earning assets | $12,904,200 | 7,285 |
| Average equity | $1,915,600 | 7,219 |
| Average total loans | $11,207,800 | 7,072 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2166% | 315 |
| Cost of funding earning assets | 1.1013% | 2,974 |
| Net interest margin | 5.1153% | 327 |
| Noninterest income to average assets | 0.7162% | 2,501 |
| Noninterest expense to average assets | 3.8778% | 1,190 |
| Loan and lease loss provision to assets | 0.3057% | 3,086 |
| Net operating income to assets | 0.8734% | 2,846 |
| Return on assets (ROA) | 0.8734% | 2,996 |
| Pretax return on assets | 0.8734% | 3,866 |
| Return on Equity (ROE) | 6.9434% | 3,551 |
| Retained earnings to average equity (ytd only) | 6.9434% | 1,997 |
| Net charge-offs to loans | 0.3453% | 3,371 |
| Credit loss provision to net charge-offs | 120.6897% | 2,691 |
| Earnings coverage of net charge-offs (x) | 4.6548% | 2,993 |
| Efficiency ratio | 76.6839% | 2,723 |
| Assets per employee ($millions) | 2.5795% | 6,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 4,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 71.9261% | 1,724 |
| Net loans and leases to deposits | 82.7535% | 2,215 |
| Net loans and leases to core deposits | 87.7226% | 2,524 |
| Total domestic deposits to total assets | 86.9161% | 2,705 |
| Equity capital to assets | 12.6898% | 1,792 |
| Core capital (leverage) ratio | 12.6865% | 1,350 |
| Tier 1 risk-based capital ratio | 20.7282% | 1,515 |
| Total risk-based capital ratio | 21.9631% | 1,487 |
| Memoranda: | ||
| Average total assets | $15,266,000 | 7,361 |
| Average earning assets | $12,954,250 | 7,359 |
| Average equity | $1,920,250 | 7,292 |
| Average total loans | $11,199,000 | 7,140 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0861% | 400 |
| Cost of funding earning assets | 1.0803% | 3,388 |
| Net interest margin | 5.0058% | 390 |
| Noninterest income to average assets | 0.7107% | 2,493 |
| Noninterest expense to average assets | 3.8958% | 1,202 |
| Loan and lease loss provision to assets | 0.1316% | 4,650 |
| Net operating income to assets | 1.0134% | 2,175 |
| Return on assets (ROA) | 1.0134% | 2,271 |
| Pretax return on assets | 1.0134% | 3,193 |
| Return on Equity (ROE) | 8.0811% | 2,915 |
| Retained earnings to average equity (ytd only) | 8.0811% | 1,437 |
| Net charge-offs to loans | 0.4657% | 2,715 |
| Credit loss provision to net charge-offs | 38.4615% | 4,843 |
| Earnings coverage of net charge-offs (x) | 3.3462% | 3,204 |
| Efficiency ratio | 77.2846% | 2,814 |
| Assets per employee ($millions) | 2.5155% | 6,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 5,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 74.2066% | 1,370 |
| Net loans and leases to deposits | 85.5811% | 1,846 |
| Net loans and leases to core deposits | 85.5811% | 2,982 |
| Total domestic deposits to total assets | 86.7091% | 2,917 |
| Equity capital to assets | 12.8603% | 1,592 |
| Core capital (leverage) ratio | 12.9090% | 1,197 |
| Tier 1 risk-based capital ratio | 19.8893% | 1,632 |
| Total risk-based capital ratio | 21.1395% | 1,604 |
| Memoranda: | ||
| Average total assets | $15,195,670 | 7,433 |
| Average earning assets | $13,144,670 | 7,427 |
| Average equity | $1,905,670 | 7,362 |
| Average total loans | $11,165,670 | 7,210 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0604% | 429 |
| Cost of funding earning assets | 1.0553% | 3,813 |
| Net interest margin | 5.0051% | 378 |
| Noninterest income to average assets | 0.7346% | 2,362 |
| Noninterest expense to average assets | 3.8303% | 1,289 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2593% | 1,367 |
| Return on assets (ROA) | 1.2593% | 1,420 |
| Pretax return on assets | 1.2593% | 2,165 |
| Return on Equity (ROE) | 10.1695% | 2,039 |
| Retained earnings to average equity (ytd only) | 10.1695% | 1,087 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2577% | 3,292 |
| Assets per employee ($millions) | 2.6015% | 6,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 4,683 |
| Loan loss allowance to noncurrent loans | 1,238.4615% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 6,955 |
| Noncurrent loans to loans | 0.1128% | 6,766 |
| Net loans and leases to total assets | 72.8170% | 1,551 |
| Net loans and leases to deposits | 83.3468% | 2,129 |
| Net loans and leases to core deposits | 83.3468% | 3,249 |
| Total domestic deposits to total assets | 87.3663% | 2,728 |
| Equity capital to assets | 12.2493% | 1,762 |
| Core capital (leverage) ratio | 12.7161% | 1,232 |
| Tier 1 risk-based capital ratio | 19.0514% | 1,789 |
| Total risk-based capital ratio | 20.3766% | 1,736 |
| Memoranda: | ||
| Average total assets | $15,247,000 | 7,493 |
| Average earning assets | $13,266,500 | 7,483 |
| Average equity | $1,888,000 | 7,414 |
| Average total loans | $11,076,000 | 7,269 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1583% | 624 |
| Cost of funding earning assets | 1.2148% | 4,457 |
| Net interest margin | 4.9435% | 495 |
| Noninterest income to average assets | 0.9151% | 1,794 |
| Noninterest expense to average assets | 3.9565% | 1,227 |
| Loan and lease loss provision to assets | 0.3991% | 3,722 |
| Net operating income to assets | 0.5917% | 3,709 |
| Return on assets (ROA) | 0.5917% | 3,875 |
| Pretax return on assets | 0.5917% | 4,352 |
| Return on Equity (ROE) | 4.5623% | 4,266 |
| Retained earnings to average equity (ytd only) | 1.4324% | 4,813 |
| Net charge-offs to loans | 0.0205% | 6,608 |
| Credit loss provision to net charge-offs | 2,900.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 332 |
| Efficiency ratio | 79.9722% | 2,420 |
| Assets per employee ($millions) | 2.4808% | 7,036 |
| Cash dividends to net income (ytd only)* | 68.6047% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 3,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 70.2990% | 2,469 |
| Net loans and leases to deposits | 81.0723% | 2,976 |
| Net loans and leases to core deposits | 81.0723% | 4,048 |
| Total domestic deposits to total assets | 86.7115% | 2,974 |
| Equity capital to assets | 12.5227% | 1,619 |
| Core capital (leverage) ratio | 12.3804% | 1,356 |
| Tier 1 risk-based capital ratio | 19.8572% | 1,512 |
| Total risk-based capital ratio | 21.1037% | 1,486 |
| Memoranda: | ||
| Average total assets | $14,533,200 | 7,578 |
| Average earning assets | $11,854,000 | 7,585 |
| Average equity | $1,885,000 | 7,521 |
| Average total loans | $9,744,400 | 7,408 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1092% | 748 |
| Cost of funding earning assets | 1.2520% | 4,563 |
| Net interest margin | 4.8572% | 597 |
| Noninterest income to average assets | 1.0707% | 1,250 |
| Noninterest expense to average assets | 3.9966% | 1,046 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9415% | 2,449 |
| Return on assets (ROA) | 0.9415% | 2,578 |
| Pretax return on assets | 0.9415% | 3,402 |
| Return on Equity (ROE) | 7.1948% | 3,260 |
| Retained earnings to average equity (ytd only) | 7.1948% | 1,757 |
| Net charge-offs to loans | 0.0280% | 6,284 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 50.9363% | 560 |
| Efficiency ratio | 80.9346% | 2,222 |
| Assets per employee ($millions) | 2.4350% | 7,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 6,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 66.4545% | 3,581 |
| Net loans and leases to deposits | 77.0250% | 4,007 |
| Net loans and leases to core deposits | 77.0250% | 4,914 |
| Total domestic deposits to total assets | 86.2765% | 2,933 |
| Equity capital to assets | 13.2717% | 1,463 |
| Core capital (leverage) ratio | 13.4354% | 1,082 |
| Tier 1 risk-based capital ratio | 22.1221% | 1,190 |
| Total risk-based capital ratio | 23.2972% | 1,172 |
| Memoranda: | ||
| Average total assets | $14,445,250 | 7,680 |
| Average earning assets | $11,501,500 | 7,690 |
| Average equity | $1,890,250 | 7,617 |
| Average total loans | $9,524,250 | 7,508 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3946% | 417 |
| Cost of funding earning assets | 1.3434% | 4,230 |
| Net interest margin | 5.0512% | 376 |
| Noninterest income to average assets | 1.0563% | 1,203 |
| Noninterest expense to average assets | 4.0861% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8895% | 2,587 |
| Return on assets (ROA) | 0.8895% | 2,710 |
| Pretax return on assets | 0.8895% | 3,541 |
| Return on Equity (ROE) | 6.8303% | 3,382 |
| Retained earnings to average equity (ytd only) | 6.8303% | 1,914 |
| Net charge-offs to loans | 0.0424% | 5,782 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 879 |
| Efficiency ratio | 82.1229% | 2,149 |
| Assets per employee ($millions) | 2.3833% | 7,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 5,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 63.7762% | 4,304 |
| Net loans and leases to deposits | 73.9779% | 4,679 |
| Net loans and leases to core deposits | 73.9779% | 5,451 |
| Total domestic deposits to total assets | 86.2098% | 2,966 |
| Equity capital to assets | 13.3007% | 1,438 |
| Core capital (leverage) ratio | 13.1526% | 1,158 |
| Tier 1 risk-based capital ratio | 22.4081% | 1,139 |
| Total risk-based capital ratio | 23.6216% | 1,123 |
| Memoranda: | ||
| Average total assets | $14,390,330 | 7,744 |
| Average earning assets | $11,165,670 | 7,760 |
| Average equity | $1,874,000 | 7,686 |
| Average total loans | $9,428,330 | 7,573 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0075% | 172 |
| Cost of funding earning assets | 1.4831% | 3,675 |
| Net interest margin | 5.5244% | 174 |
| Noninterest income to average assets | 1.2746% | 746 |
| Noninterest expense to average assets | 4.1564% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2469% | 1,410 |
| Return on assets (ROA) | 1.2469% | 1,482 |
| Pretax return on assets | 1.2469% | 2,215 |
| Return on Equity (ROE) | 9.6774% | 2,213 |
| Retained earnings to average equity (ytd only) | 9.6774% | 1,213 |
| Net charge-offs to loans | 0.0839% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,087 |
| Efficiency ratio | 76.9231% | 3,069 |
| Assets per employee ($millions) | 2.3817% | 7,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 6,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 65.4934% | 3,989 |
| Net loans and leases to deposits | 75.8489% | 4,443 |
| Net loans and leases to core deposits | 75.8489% | 5,275 |
| Total domestic deposits to total assets | 86.3471% | 2,964 |
| Equity capital to assets | 13.1770% | 1,455 |
| Core capital (leverage) ratio | 13.0474% | 1,201 |
| Tier 1 risk-based capital ratio | 21.9797% | 1,205 |
| Total risk-based capital ratio | 23.1820% | 1,193 |
| Memoranda: | ||
| Average total assets | $14,435,500 | 7,845 |
| Average earning assets | $10,788,500 | 7,866 |
| Average equity | $1,860,000 | 7,773 |
| Average total loans | $9,531,000 | 7,669 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5955% | 118 |
| Cost of funding earning assets | 1.2659% | 6,420 |
| Net interest margin | 6.3296% | 89 |
| Noninterest income to average assets | 0.9447% | 1,770 |
| Noninterest expense to average assets | 4.3806% | 894 |
| Loan and lease loss provision to assets | 0.1524% | 6,143 |
| Net operating income to assets | 1.2037% | 1,236 |
| Return on assets (ROA) | 1.2037% | 1,285 |
| Pretax return on assets | 1.2113% | 1,922 |
| Return on Equity (ROE) | 8.4078% | 2,236 |
| Retained earnings to average equity (ytd only) | 1.7029% | 3,889 |
| Net charge-offs to loans | 0.1521% | 5,743 |
| Credit loss provision to net charge-offs | 142.8571% | 3,365 |
| Earnings coverage of net charge-offs (x) | 12.7857% | 1,477 |
| Efficiency ratio | 76.2599% | 3,482 |
| Assets per employee ($millions) | 2.4302% | 7,316 |
| Cash dividends to net income (ytd only)* | 79.7468% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 5,882 |
| Loan loss allowance to noncurrent loans | 84.8000% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 5,392 |
| Noncurrent loans to loans | 1.3021% | 4,747 |
| Net loans and leases to total assets | 65.1121% | 4,355 |
| Net loans and leases to deposits | 75.6133% | 4,807 |
| Net loans and leases to core deposits | 96.4739% | 4,403 |
| Total domestic deposits to total assets | 86.1121% | 2,957 |
| Equity capital to assets | 12.5986% | 1,700 |
| Core capital (leverage) ratio | 12.6046% | 1,403 |
| Tier 1 risk-based capital ratio | 20.8135% | 1,323 |
| Total risk-based capital ratio | 22.0145% | 1,301 |
| Memoranda: | ||
| Average total assets | $13,126,000 | 7,932 |
| Average earning assets | $9,953,200 | 7,944 |
| Average equity | $1,879,200 | 7,864 |
| Average total loans | $9,206,400 | 7,733 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6600% | 116 |
| Cost of funding earning assets | 1.1550% | 7,027 |
| Net interest margin | 6.5051% | 72 |
| Noninterest income to average assets | 0.9298% | 1,863 |
| Noninterest expense to average assets | 4.2416% | 987 |
| Loan and lease loss provision to assets | 0.2090% | 5,309 |
| Net operating income to assets | 1.5984% | 668 |
| Return on assets (ROA) | 1.5984% | 719 |
| Pretax return on assets | 1.5984% | 1,181 |
| Return on Equity (ROE) | 10.7945% | 1,677 |
| Retained earnings to average equity (ytd only) | 10.7945% | 500 |
| Net charge-offs to loans | 0.2489% | 4,494 |
| Credit loss provision to net charge-offs | 117.6471% | 4,320 |
| Earnings coverage of net charge-offs (x) | 10.1747% | 1,996 |
| Efficiency ratio | 70.1209% | 4,567 |
| Assets per employee ($millions) | 2.4058% | 7,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 5,914 |
| Loan loss allowance to noncurrent loans | 343.3333% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 7,001 |
| Noncurrent loans to loans | 0.3111% | 6,741 |
| Net loans and leases to total assets | 66.0824% | 4,411 |
| Net loans and leases to deposits | 76.8469% | 4,920 |
| Net loans and leases to core deposits | 95.4186% | 4,877 |
| Total domestic deposits to total assets | 85.9924% | 2,709 |
| Equity capital to assets | 13.5712% | 1,467 |
| Core capital (leverage) ratio | 14.3129% | 1,004 |
| Tier 1 risk-based capital ratio | 22.4759% | 1,173 |
| Total risk-based capital ratio | 23.6576% | 1,158 |
| Memoranda: | ||
| Average total assets | $12,762,250 | 8,018 |
| Average earning assets | $10,043,250 | 8,025 |
| Average equity | $1,889,750 | 7,940 |
| Average total loans | $9,108,000 | 7,813 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7108% | 121 |
| Cost of funding earning assets | 1.0083% | 7,537 |
| Net interest margin | 6.7025% | 65 |
| Noninterest income to average assets | 0.9013% | 1,985 |
| Noninterest expense to average assets | 4.4409% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9992% | 297 |
| Return on assets (ROA) | 1.9992% | 328 |
| Pretax return on assets | 2.0156% | 542 |
| Return on Equity (ROE) | 13.0714% | 1,168 |
| Retained earnings to average equity (ytd only) | 13.0714% | 323 |
| Net charge-offs to loans | 0.2016% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,719 |
| Efficiency ratio | 68.7817% | 5,011 |
| Assets per employee ($millions) | 2.2333% | 7,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 6,560 |
| Loan loss allowance to noncurrent loans | 189.5833% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 6,560 |
| Noncurrent loans to loans | 0.5009% | 6,272 |
| Net loans and leases to total assets | 70.8284% | 3,508 |
| Net loans and leases to deposits | 83.1668% | 4,018 |
| Net loans and leases to core deposits | 92.9306% | 5,246 |
| Total domestic deposits to total assets | 85.1642% | 3,181 |
| Equity capital to assets | 14.3806% | 1,198 |
| Core capital (leverage) ratio | 14.6618% | 983 |
| Tier 1 risk-based capital ratio | 22.9159% | 1,146 |
| Total risk-based capital ratio | 23.9981% | 1,130 |
| Memoranda: | ||
| Average total assets | $12,204,670 | 8,115 |
| Average earning assets | $10,115,670 | 8,113 |
| Average equity | $1,866,670 | 8,028 |
| Average total loans | $8,930,000 | 7,910 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9322% | 98 |
| Cost of funding earning assets | 0.8725% | 7,841 |
| Net interest margin | 7.0596% | 53 |
| Noninterest income to average assets | 0.8615% | 2,027 |
| Noninterest expense to average assets | 4.7902% | 556 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1711% | 245 |
| Return on assets (ROA) | 2.1711% | 285 |
| Pretax return on assets | 2.2056% | 439 |
| Return on Equity (ROE) | 13.7218% | 1,221 |
| Retained earnings to average equity (ytd only) | 13.7218% | 538 |
| Net charge-offs to loans | 0.4184% | 2,436 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 7.1111% | 2,392 |
| Efficiency ratio | 68.4729% | 4,872 |
| Assets per employee ($millions) | 2.0428% | 7,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 6,162 |
| Loan loss allowance to noncurrent loans | 293.5484% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 6,753 |
| Noncurrent loans to loans | 0.3411% | 6,576 |
| Net loans and leases to total assets | 73.3948% | 2,916 |
| Net loans and leases to deposits | 87.1030% | 3,448 |
| Net loans and leases to core deposits | 103.9639% | 4,144 |
| Total domestic deposits to total assets | 84.2621% | 3,577 |
| Equity capital to assets | 15.2403% | 1,031 |
| Core capital (leverage) ratio | 16.2874% | 742 |
| Tier 1 risk-based capital ratio | 23.6996% | 1,115 |
| Total risk-based capital ratio | 24.7780% | 1,116 |
| Memoranda: | ||
| Average total assets | $11,607,000 | 8,169 |
| Average earning assets | $10,085,500 | 8,159 |
| Average equity | $1,836,500 | 8,082 |
| Average total loans | $8,604,000 | 7,973 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5366% | 387 |
| Cost of funding earning assets | 0.9718% | 8,068 |
| Net interest margin | 6.5648% | 73 |
| Noninterest income to average assets | 1.5325% | 598 |
| Noninterest expense to average assets | 4.5886% | 819 |
| Loan and lease loss provision to assets | 0.2940% | 4,032 |
| Net operating income to assets | 2.1651% | 257 |
| Return on assets (ROA) | 2.1651% | 252 |
| Pretax return on assets | 2.3077% | 308 |
| Return on Equity (ROE) | 13.1750% | 1,290 |
| Retained earnings to average equity (ytd only) | 3.6868% | 2,854 |
| Net charge-offs to loans | -0.1202% | 8,115 |
| Credit loss provision to net charge-offs | -412.5000% | 7,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8166% | 5,599 |
| Assets per employee ($millions) | 1.8262% | 8,030 |
| Cash dividends to net income (ytd only)* | 72.0165% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 4,298 |
| Loan loss allowance to noncurrent loans | 212.7660% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 5,931 |
| Noncurrent loans to loans | 0.5787% | 5,632 |
| Net loans and leases to total assets | 73.2043% | 3,313 |
| Net loans and leases to deposits | 88.6103% | 3,704 |
| Net loans and leases to core deposits | 92.9217% | 5,555 |
| Total domestic deposits to total assets | 82.6139% | 3,944 |
| Equity capital to assets | 16.4735% | 844 |
| Core capital (leverage) ratio | 16.0302% | 818 |
| Tier 1 risk-based capital ratio | 24.0570% | 1,082 |
| Total risk-based capital ratio | 25.1899% | 1,071 |
| Memoranda: | ||
| Average total assets | $11,223,400 | 8,229 |
| Average earning assets | $9,672,800 | 8,223 |
| Average equity | $1,844,400 | 8,147 |
| Average total loans | $6,658,000 | 8,097 |