Home > First Bank & Trust Company > Performance and Condition Ratios
First Bank & Trust Company, Performance and Condition Ratios
| 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 | 3.7181% | 4,237 |
| Cost of funding earning assets | 0.6913% | 840 |
| Net interest margin | 3.0268% | 5,025 |
| Noninterest income to average assets | 0.2586% | 4,931 |
| Noninterest expense to average assets | 2.7771% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1758% | 5,570 |
| Return on assets (ROA) | 0.1758% | 5,623 |
| Pretax return on assets | 0.1758% | 5,649 |
| Return on Equity (ROE) | 2.6807% | 5,335 |
| Retained earnings to average equity (ytd only) | 2.6807% | 4,193 |
| Net charge-offs to loans | 0.4671% | 471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.1333% | 3,449 |
| Efficiency ratio | 94.0455% | 415 |
| Assets per employee ($millions) | 3.4540% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 5,043 |
| Loan loss allowance to noncurrent loans | 61.7978% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.5555% | 1,209 |
| Noncurrent loans to loans | 1.4115% | 1,575 |
| Net loans and leases to total assets | 32.9026% | 5,711 |
| Net loans and leases to deposits | 35.4518% | 5,797 |
| Net loans and leases to core deposits | 37.2919% | 5,802 |
| Total domestic deposits to total assets | 92.8094% | 35 |
| Equity capital to assets | 7.0801% | 5,959 |
| Core capital (leverage) ratio | 6.6089% | 5,969 |
| Tier 1 risk-based capital ratio | 15.5972% | 2,824 |
| Total risk-based capital ratio | 16.2772% | 3,008 |
| Memoranda: | ||
| Average total assets | $38,673,670 | 5,682 |
| Average earning assets | $34,426,000 | 5,698 |
| Average equity | $2,536,670 | 5,933 |
| Average total loans | $12,844,000 | 5,844 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,174 |
| Cost of funding earning assets | 0.6789% | 896 |
| Net interest margin | 3.0608% | 4,969 |
| Noninterest income to average assets | 0.2563% | 4,900 |
| Noninterest expense to average assets | 2.8605% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1230% | 5,647 |
| Return on assets (ROA) | 0.1230% | 5,699 |
| Pretax return on assets | 0.1230% | 5,715 |
| Return on Equity (ROE) | 1.9512% | 5,511 |
| Retained earnings to average equity (ytd only) | 1.9512% | 4,474 |
| Net charge-offs to loans | 0.2160% | 939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 2,780 |
| Efficiency ratio | 95.8763% | 399 |
| Assets per employee ($millions) | 3.2233% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 4,559 |
| Loan loss allowance to noncurrent loans | 179.7297% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 1.2590% | 1,723 |
| Noncurrent loans to loans | 0.5607% | 3,506 |
| Net loans and leases to total assets | 33.7746% | 5,727 |
| Net loans and leases to deposits | 36.1964% | 5,823 |
| Net loans and leases to core deposits | 38.5915% | 5,805 |
| Total domestic deposits to total assets | 93.3092% | 36 |
| Equity capital to assets | 6.5589% | 6,040 |
| Core capital (leverage) ratio | 6.4001% | 6,040 |
| Tier 1 risk-based capital ratio | 15.0186% | 3,149 |
| Total risk-based capital ratio | 15.8176% | 3,298 |
| Memoranda: | ||
| Average total assets | $39,013,500 | 5,731 |
| Average earning assets | $34,762,500 | 5,748 |
| Average equity | $2,460,000 | 5,997 |
| Average total loans | $12,960,500 | 5,899 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 4,205 |
| Cost of funding earning assets | 0.6771% | 931 |
| Net interest margin | 3.0697% | 4,978 |
| Noninterest income to average assets | 0.0307% | 6,046 |
| Noninterest expense to average assets | 3.0368% | 2,428 |
| Loan and lease loss provision to assets | 0.0153% | 4,103 |
| Net operating income to assets | -0.2863% | 5,989 |
| Return on assets (ROA) | -0.2454% | 5,987 |
| Pretax return on assets | -0.2454% | 5,977 |
| Return on Equity (ROE) | -3.9389% | 6,028 |
| Retained earnings to average equity (ytd only) | -3.9389% | 5,869 |
| Net charge-offs to loans | 0.1662% | 1,705 |
| Credit loss provision to net charge-offs | 27.2727% | 3,681 |
| Earnings coverage of net charge-offs (x) | -4.8182% | 4,397 |
| Efficiency ratio | 109.7967% | 144 |
| Assets per employee ($millions) | 3.0267% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 4,048 |
| Loan loss allowance to noncurrent loans | 93.9597% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.2555% | 1,703 |
| Noncurrent loans to loans | 1.1710% | 2,020 |
| Net loans and leases to total assets | 31.9821% | 5,836 |
| Net loans and leases to deposits | 34.1196% | 5,928 |
| Net loans and leases to core deposits | 36.3269% | 5,915 |
| Total domestic deposits to total assets | 93.7352% | 29 |
| Equity capital to assets | 6.0564% | 6,116 |
| Core capital (leverage) ratio | 6.2836% | 6,110 |
| Tier 1 risk-based capital ratio | 15.1127% | 3,128 |
| Total risk-based capital ratio | 15.9631% | 3,255 |
| Memoranda: | ||
| Average total assets | $39,119,600 | 5,779 |
| Average earning assets | $34,856,400 | 5,788 |
| Average equity | $2,437,200 | 6,057 |
| Average total loans | $13,239,600 | 5,947 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 4,270 |
| Cost of funding earning assets | 0.6788% | 936 |
| Net interest margin | 3.0681% | 5,037 |
| Noninterest income to average assets | 0.3550% | 4,404 |
| Noninterest expense to average assets | 2.9968% | 2,540 |
| Loan and lease loss provision to assets | 0.0205% | 3,866 |
| Net operating income to assets | 0.0683% | 5,879 |
| Return on assets (ROA) | 0.1229% | 5,858 |
| Pretax return on assets | 0.1229% | 5,874 |
| Return on Equity (ROE) | 1.9586% | 5,672 |
| Retained earnings to average equity (ytd only) | 1.9586% | 4,899 |
| Net charge-offs to loans | 0.2194% | 1,189 |
| Credit loss provision to net charge-offs | 27.2727% | 3,300 |
| Earnings coverage of net charge-offs (x) | 1.1821% | 3,873 |
| Efficiency ratio | 97.1239% | 386 |
| Assets per employee ($millions) | 3.0198% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0780% | 4,346 |
| Loan loss allowance to noncurrent loans | 148.9362% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 1,595 |
| Noncurrent loans to loans | 0.7238% | 3,164 |
| Net loans and leases to total assets | 32.7245% | 5,901 |
| Net loans and leases to deposits | 35.0465% | 5,999 |
| Net loans and leases to core deposits | 37.0337% | 5,993 |
| Total domestic deposits to total assets | 93.3746% | 35 |
| Equity capital to assets | 6.4649% | 6,180 |
| Core capital (leverage) ratio | 6.6543% | 6,157 |
| Tier 1 risk-based capital ratio | 15.8012% | 2,898 |
| Total risk-based capital ratio | 16.6456% | 3,023 |
| Memoranda: | ||
| Average total assets | $39,062,750 | 5,861 |
| Average earning assets | $34,765,750 | 5,873 |
| Average equity | $2,450,750 | 6,140 |
| Average total loans | $13,368,500 | 6,019 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7678% | 4,185 |
| Cost of funding earning assets | 0.6798% | 932 |
| Net interest margin | 3.0880% | 4,990 |
| Noninterest income to average assets | 0.2923% | 4,871 |
| Noninterest expense to average assets | 2.9951% | 2,563 |
| Loan and lease loss provision to assets | 0.0308% | 3,510 |
| Net operating income to assets | 0.0154% | 5,975 |
| Return on assets (ROA) | 0.0974% | 5,925 |
| Pretax return on assets | 0.0974% | 5,932 |
| Return on Equity (ROE) | 1.5692% | 5,787 |
| Retained earnings to average equity (ytd only) | 1.5692% | 4,918 |
| Net charge-offs to loans | 0.3260% | 811 |
| Credit loss provision to net charge-offs | 27.2727% | 2,947 |
| Earnings coverage of net charge-offs (x) | 0.4091% | 3,662 |
| Efficiency ratio | 98.4823% | 366 |
| Assets per employee ($millions) | 2.9972% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 4,614 |
| Loan loss allowance to noncurrent loans | 134.6154% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.6990% | 1,400 |
| Noncurrent loans to loans | 0.7793% | 3,160 |
| Net loans and leases to total assets | 33.8937% | 5,914 |
| Net loans and leases to deposits | 36.1373% | 6,032 |
| Net loans and leases to core deposits | 37.6475% | 6,036 |
| Total domestic deposits to total assets | 93.7915% | 37 |
| Equity capital to assets | 6.0776% | 6,267 |
| Core capital (leverage) ratio | 6.6145% | 6,231 |
| Tier 1 risk-based capital ratio | 15.4316% | 3,141 |
| Total risk-based capital ratio | 16.2616% | 3,284 |
| Memoranda: | ||
| Average total assets | $38,997,670 | 5,922 |
| Average earning assets | $34,715,000 | 5,938 |
| Average equity | $2,421,670 | 6,213 |
| Average total loans | $13,495,670 | 6,079 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 4,120 |
| Cost of funding earning assets | 0.6766% | 970 |
| Net interest margin | 3.0963% | 4,969 |
| Noninterest income to average assets | 0.2666% | 5,048 |
| Noninterest expense to average assets | 2.9835% | 2,633 |
| Loan and lease loss provision to assets | 0.0615% | 2,697 |
| Net operating income to assets | -0.0103% | 6,025 |
| Return on assets (ROA) | 0.1538% | 5,853 |
| Pretax return on assets | 0.1538% | 5,893 |
| Return on Equity (ROE) | 2.4505% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.4505% | 4,467 |
| Net charge-offs to loans | 0.0884% | 1,834 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 2,883 |
| Efficiency ratio | 98.3108% | 420 |
| Assets per employee ($millions) | 3.0172% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 4,094 |
| Loan loss allowance to noncurrent loans | 198.7500% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 1.5119% | 1,727 |
| Noncurrent loans to loans | 0.5929% | 3,801 |
| Net loans and leases to total assets | 33.9979% | 5,927 |
| Net loans and leases to deposits | 36.3778% | 6,045 |
| Net loans and leases to core deposits | 37.8889% | 6,042 |
| Total domestic deposits to total assets | 93.4579% | 46 |
| Equity capital to assets | 6.4019% | 6,316 |
| Core capital (leverage) ratio | 6.5344% | 6,292 |
| Tier 1 risk-based capital ratio | 15.2550% | 3,289 |
| Total risk-based capital ratio | 16.1883% | 3,398 |
| Memoranda: | ||
| Average total assets | $39,015,000 | 5,983 |
| Average earning assets | $34,880,000 | 5,992 |
| Average equity | $2,448,500 | 6,275 |
| Average total loans | $13,570,500 | 6,135 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 3,927 |
| Cost of funding earning assets | 0.7456% | 866 |
| Net interest margin | 3.2039% | 4,904 |
| Noninterest income to average assets | 0.3586% | 4,535 |
| Noninterest expense to average assets | 2.9815% | 2,896 |
| Loan and lease loss provision to assets | 0.0768% | 2,944 |
| Net operating income to assets | 0.1511% | 5,872 |
| Return on assets (ROA) | 0.1537% | 5,914 |
| Pretax return on assets | 0.1537% | 5,935 |
| Return on Equity (ROE) | 2.8498% | 5,525 |
| Retained earnings to average equity (ytd only) | 2.8498% | 4,205 |
| Net charge-offs to loans | 0.1057% | 3,001 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 5.9333% | 3,313 |
| Efficiency ratio | 92.8970% | 655 |
| Assets per employee ($millions) | 2.7719% | 5,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 4,322 |
| Loan loss allowance to noncurrent loans | 98.1132% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.8064% | 1,448 |
| Noncurrent loans to loans | 1.1651% | 2,500 |
| Net loans and leases to total assets | 34.7643% | 6,003 |
| Net loans and leases to deposits | 37.1172% | 6,131 |
| Net loans and leases to core deposits | 39.5179% | 6,109 |
| Total domestic deposits to total assets | 93.6609% | 43 |
| Equity capital to assets | 6.1484% | 6,403 |
| Core capital (leverage) ratio | 6.5172% | 6,366 |
| Tier 1 risk-based capital ratio | 15.0171% | 3,478 |
| Total risk-based capital ratio | 15.9238% | 3,606 |
| Memoranda: | ||
| Average total assets | $39,041,000 | 6,061 |
| Average earning assets | $34,738,800 | 6,068 |
| Average equity | $2,105,400 | 6,390 |
| Average total loans | $14,189,200 | 6,184 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 3,917 |
| Cost of funding earning assets | 0.7602% | 848 |
| Net interest margin | 3.2019% | 4,966 |
| Noninterest income to average assets | 0.3751% | 4,430 |
| Noninterest expense to average assets | 2.9940% | 2,817 |
| Loan and lease loss provision to assets | 0.1023% | 2,328 |
| Net operating income to assets | 0.1228% | 5,995 |
| Return on assets (ROA) | 0.1262% | 6,018 |
| Pretax return on assets | 0.1262% | 6,032 |
| Return on Equity (ROE) | 2.4238% | 5,730 |
| Retained earnings to average equity (ytd only) | 2.4238% | 4,844 |
| Net charge-offs to loans | 0.1396% | 2,399 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 4.4000% | 3,470 |
| Efficiency ratio | 93.0085% | 646 |
| Assets per employee ($millions) | 3.0872% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 4,489 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 1.4800% | 2,083 |
| Noncurrent loans to loans | 0.3840% | 4,763 |
| Net loans and leases to total assets | 33.3533% | 6,138 |
| Net loans and leases to deposits | 35.4071% | 6,259 |
| Net loans and leases to core deposits | 37.8649% | 6,240 |
| Total domestic deposits to total assets | 94.1994% | 37 |
| Equity capital to assets | 5.6311% | 6,503 |
| Core capital (leverage) ratio | 6.5204% | 6,434 |
| Tier 1 risk-based capital ratio | 14.8155% | 3,696 |
| Total risk-based capital ratio | 15.7179% | 3,844 |
| Memoranda: | ||
| Average total assets | $39,099,500 | 6,137 |
| Average earning assets | $34,728,000 | 6,144 |
| Average equity | $2,035,250 | 6,470 |
| Average total loans | $14,324,750 | 6,249 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 3,445 |
| Cost of funding earning assets | 0.7743% | 812 |
| Net interest margin | 3.3008% | 4,584 |
| Noninterest income to average assets | 0.3922% | 4,295 |
| Noninterest expense to average assets | 3.0345% | 2,712 |
| Loan and lease loss provision to assets | 0.1290% | 1,913 |
| Net operating income to assets | 0.1548% | 5,945 |
| Return on assets (ROA) | 0.1600% | 5,969 |
| Pretax return on assets | 0.1600% | 6,006 |
| Return on Equity (ROE) | 3.1627% | 5,473 |
| Retained earnings to average equity (ytd only) | 3.1627% | 4,189 |
| Net charge-offs to loans | 0.1097% | 2,570 |
| Credit loss provision to net charge-offs | 312.5000% | 827 |
| Earnings coverage of net charge-offs (x) | 6.8750% | 2,708 |
| Efficiency ratio | 91.4463% | 805 |
| Assets per employee ($millions) | 3.0130% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 4,888 |
| Loan loss allowance to noncurrent loans | 243.0769% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 1.4757% | 2,213 |
| Noncurrent loans to loans | 0.4542% | 4,629 |
| Net loans and leases to total assets | 36.1306% | 6,045 |
| Net loans and leases to deposits | 38.3201% | 6,213 |
| Net loans and leases to core deposits | 40.7486% | 6,197 |
| Total domestic deposits to total assets | 94.2863% | 39 |
| Equity capital to assets | 5.5784% | 6,559 |
| Core capital (leverage) ratio | 6.6137% | 6,485 |
| Tier 1 risk-based capital ratio | 14.5203% | 3,918 |
| Total risk-based capital ratio | 15.4183% | 4,075 |
| Memoranda: | ||
| Average total assets | $38,754,670 | 6,199 |
| Average earning assets | $34,355,670 | 6,215 |
| Average equity | $1,960,330 | 6,542 |
| Average total loans | $14,585,670 | 6,298 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 3,324 |
| Cost of funding earning assets | 0.7944% | 766 |
| Net interest margin | 3.2945% | 4,558 |
| Noninterest income to average assets | 0.3943% | 4,234 |
| Noninterest expense to average assets | 3.1027% | 2,522 |
| Loan and lease loss provision to assets | 0.1038% | 2,191 |
| Net operating income to assets | 0.1141% | 5,999 |
| Return on assets (ROA) | 0.1245% | 6,010 |
| Pretax return on assets | 0.1245% | 6,035 |
| Return on Equity (ROE) | 2.5974% | 5,590 |
| Retained earnings to average equity (ytd only) | 2.5974% | 4,515 |
| Net charge-offs to loans | 0.0543% | 2,619 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,854 |
| Efficiency ratio | 93.4375% | 786 |
| Assets per employee ($millions) | 3.0831% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 5,417 |
| Loan loss allowance to noncurrent loans | 152.0408% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 1.3748% | 2,573 |
| Noncurrent loans to loans | 0.6750% | 4,173 |
| Net loans and leases to total assets | 35.8508% | 6,076 |
| Net loans and leases to deposits | 37.7516% | 6,261 |
| Net loans and leases to core deposits | 40.0641% | 6,231 |
| Total domestic deposits to total assets | 94.9651% | 36 |
| Equity capital to assets | 4.9202% | 6,645 |
| Core capital (leverage) ratio | 6.4887% | 6,538 |
| Tier 1 risk-based capital ratio | 14.2914% | 4,137 |
| Total risk-based capital ratio | 15.1314% | 4,358 |
| Memoranda: | ||
| Average total assets | $38,547,500 | 6,271 |
| Average earning assets | $34,239,000 | 6,281 |
| Average equity | $1,848,000 | 6,623 |
| Average total loans | $14,723,500 | 6,358 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3277% | 2,851 |
| Cost of funding earning assets | 0.8817% | 813 |
| Net interest margin | 3.4460% | 4,111 |
| Noninterest income to average assets | 0.2873% | 5,303 |
| Noninterest expense to average assets | 3.1339% | 2,632 |
| Loan and lease loss provision to assets | 0.0949% | 3,225 |
| Net operating income to assets | 0.0870% | 6,075 |
| Return on assets (ROA) | 0.2082% | 5,868 |
| Pretax return on assets | 0.2082% | 5,920 |
| Return on Equity (ROE) | 3.9378% | 5,144 |
| Retained earnings to average equity (ytd only) | 3.9378% | 3,402 |
| Net charge-offs to loans | 0.2001% | 2,872 |
| Credit loss provision to net charge-offs | 116.1290% | 2,074 |
| Earnings coverage of net charge-offs (x) | 2.2258% | 4,281 |
| Efficiency ratio | 94.5151% | 717 |
| Assets per employee ($millions) | 2.8473% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 5,775 |
| Loan loss allowance to noncurrent loans | 51.4599% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 1.9641% | 1,831 |
| Noncurrent loans to loans | 1.8354% | 2,189 |
| Net loans and leases to total assets | 39.9514% | 5,967 |
| Net loans and leases to deposits | 41.9768% | 6,225 |
| Net loans and leases to core deposits | 44.7660% | 6,191 |
| Total domestic deposits to total assets | 95.1749% | 45 |
| Equity capital to assets | 4.6576% | 6,709 |
| Core capital (leverage) ratio | 6.5290% | 6,591 |
| Tier 1 risk-based capital ratio | 14.3515% | 4,047 |
| Total risk-based capital ratio | 15.1536% | 4,302 |
| Memoranda: | ||
| Average total assets | $37,940,000 | 6,343 |
| Average earning assets | $33,343,200 | 6,363 |
| Average equity | $2,006,200 | 6,684 |
| Average total loans | $15,494,400 | 6,394 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,896 |
| Cost of funding earning assets | 0.8836% | 891 |
| Net interest margin | 3.4390% | 4,124 |
| Noninterest income to average assets | 0.2585% | 5,594 |
| Noninterest expense to average assets | 3.2380% | 2,235 |
| Loan and lease loss provision to assets | 0.0978% | 3,131 |
| Net operating income to assets | -0.0594% | 6,348 |
| Return on assets (ROA) | 0.1013% | 6,197 |
| Pretax return on assets | 0.1013% | 6,208 |
| Return on Equity (ROE) | 1.8620% | 5,982 |
| Retained earnings to average equity (ytd only) | 1.8620% | 5,201 |
| Net charge-offs to loans | 0.2643% | 2,233 |
| Credit loss provision to net charge-offs | 90.3226% | 2,630 |
| Earnings coverage of net charge-offs (x) | 0.3549% | 4,748 |
| Efficiency ratio | 98.8273% | 505 |
| Assets per employee ($millions) | 2.9045% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 6,102 |
| Loan loss allowance to noncurrent loans | 54.2857% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 1.8486% | 2,202 |
| Noncurrent loans to loans | 1.6261% | 2,738 |
| Net loans and leases to total assets | 39.5508% | 6,063 |
| Net loans and leases to deposits | 41.6488% | 6,330 |
| Net loans and leases to core deposits | 43.0983% | 6,343 |
| Total domestic deposits to total assets | 94.9628% | 43 |
| Equity capital to assets | 4.7644% | 6,786 |
| Core capital (leverage) ratio | 6.5894% | 6,650 |
| Tier 1 risk-based capital ratio | 13.8691% | 4,524 |
| Total risk-based capital ratio | 14.6150% | 4,795 |
| Memoranda: | ||
| Average total assets | $38,171,250 | 6,409 |
| Average earning assets | $33,497,000 | 6,438 |
| Average equity | $2,076,750 | 6,758 |
| Average total loans | $15,635,750 | 6,454 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 2,581 |
| Cost of funding earning assets | 0.8826% | 976 |
| Net interest margin | 3.5124% | 3,730 |
| Noninterest income to average assets | 0.3080% | 5,239 |
| Noninterest expense to average assets | 3.2839% | 2,118 |
| Loan and lease loss provision to assets | 0.1462% | 2,508 |
| Net operating income to assets | -0.0470% | 6,355 |
| Return on assets (ROA) | 0.1932% | 6,039 |
| Pretax return on assets | 0.1932% | 6,095 |
| Return on Equity (ROE) | 3.4112% | 5,462 |
| Retained earnings to average equity (ytd only) | 3.4112% | 4,146 |
| Net charge-offs to loans | 0.3286% | 1,876 |
| Credit loss provision to net charge-offs | 107.6923% | 2,058 |
| Earnings coverage of net charge-offs (x) | 0.7308% | 4,278 |
| Efficiency ratio | 97.0679% | 614 |
| Assets per employee ($millions) | 2.8795% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 6,201 |
| Loan loss allowance to noncurrent loans | 53.6965% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 1.9608% | 2,202 |
| Noncurrent loans to loans | 1.6328% | 2,865 |
| Net loans and leases to total assets | 41.6798% | 5,921 |
| Net loans and leases to deposits | 43.8185% | 6,238 |
| Net loans and leases to core deposits | 45.3494% | 6,264 |
| Total domestic deposits to total assets | 95.1193% | 40 |
| Equity capital to assets | 4.6243% | 6,845 |
| Core capital (leverage) ratio | 6.4718% | 6,700 |
| Tier 1 risk-based capital ratio | 13.5466% | 4,744 |
| Total risk-based capital ratio | 14.2997% | 5,049 |
| Memoranda: | ||
| Average total assets | $38,308,670 | 6,446 |
| Average earning assets | $33,538,330 | 6,483 |
| Average equity | $2,169,330 | 6,794 |
| Average total loans | $15,825,330 | 6,483 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3713% | 2,619 |
| Cost of funding earning assets | 0.8837% | 1,064 |
| Net interest margin | 3.4876% | 3,754 |
| Noninterest income to average assets | 0.3200% | 5,136 |
| Noninterest expense to average assets | 3.4068% | 1,821 |
| Loan and lease loss provision to assets | 0.2065% | 1,800 |
| Net operating income to assets | -0.2374% | 6,536 |
| Return on assets (ROA) | 0.1549% | 6,122 |
| Pretax return on assets | 0.1549% | 6,162 |
| Return on Equity (ROE) | 2.5120% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.5120% | 4,769 |
| Net charge-offs to loans | 0.2521% | 1,944 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | -0.3000% | 3,892 |
| Efficiency ratio | 100.9174% | 513 |
| Assets per employee ($millions) | 2.9701% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 6,214 |
| Loan loss allowance to noncurrent loans | 167.8161% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 1.4996% | 3,006 |
| Noncurrent loans to loans | 0.5473% | 5,071 |
| Net loans and leases to total assets | 40.7915% | 5,936 |
| Net loans and leases to deposits | 43.5359% | 6,233 |
| Net loans and leases to core deposits | 45.0283% | 6,262 |
| Total domestic deposits to total assets | 93.6961% | 86 |
| Equity capital to assets | 6.0449% | 6,826 |
| Core capital (leverage) ratio | 6.3453% | 6,767 |
| Tier 1 risk-based capital ratio | 13.2926% | 5,020 |
| Total risk-based capital ratio | 14.0818% | 5,300 |
| Memoranda: | ||
| Average total assets | $38,746,500 | 6,497 |
| Average earning assets | $33,948,500 | 6,528 |
| Average equity | $2,388,500 | 6,833 |
| Average total loans | $15,868,000 | 6,539 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5779% | 3,085 |
| Cost of funding earning assets | 1.1074% | 881 |
| Net interest margin | 3.4705% | 4,626 |
| Noninterest income to average assets | 0.3128% | 5,215 |
| Noninterest expense to average assets | 3.2975% | 2,345 |
| Loan and lease loss provision to assets | 0.2692% | 2,495 |
| Net operating income to assets | -0.1923% | 6,373 |
| Return on assets (ROA) | 0.2949% | 5,695 |
| Pretax return on assets | 0.2949% | 5,826 |
| Return on Equity (ROE) | 4.6423% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.5212% | 3,044 |
| Net charge-offs to loans | 0.9203% | 1,223 |
| Credit loss provision to net charge-offs | 67.7419% | 4,228 |
| Earnings coverage of net charge-offs (x) | 0.1935% | 5,380 |
| Efficiency ratio | 97.7204% | 638 |
| Assets per employee ($millions) | 2.9909% | 6,026 |
| Cash dividends to net income (ytd only)* | 2.6087% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 6,375 |
| Loan loss allowance to noncurrent loans | 75.9777% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.7386% | 2,783 |
| Noncurrent loans to loans | 1.1301% | 3,955 |
| Net loans and leases to total assets | 40.3889% | 6,145 |
| Net loans and leases to deposits | 43.2200% | 6,413 |
| Net loans and leases to core deposits | 45.9988% | 6,373 |
| Total domestic deposits to total assets | 93.4494% | 94 |
| Equity capital to assets | 6.2831% | 6,867 |
| Core capital (leverage) ratio | 6.2479% | 6,827 |
| Tier 1 risk-based capital ratio | 13.4522% | 4,788 |
| Total risk-based capital ratio | 14.2008% | 5,083 |
| Memoranda: | ||
| Average total assets | $38,999,800 | 6,534 |
| Average earning assets | $34,404,400 | 6,547 |
| Average equity | $2,477,200 | 6,884 |
| Average total loans | $16,843,200 | 6,560 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 3,197 |
| Cost of funding earning assets | 1.1588% | 837 |
| Net interest margin | 3.4416% | 4,872 |
| Noninterest income to average assets | 0.3006% | 5,375 |
| Noninterest expense to average assets | 3.2624% | 2,378 |
| Loan and lease loss provision to assets | 0.2562% | 2,526 |
| Net operating income to assets | -0.1742% | 6,481 |
| Return on assets (ROA) | 0.2904% | 5,849 |
| Pretax return on assets | 0.2904% | 5,977 |
| Return on Equity (ROE) | 4.5592% | 5,020 |
| Retained earnings to average equity (ytd only) | 4.5592% | 3,694 |
| Net charge-offs to loans | 1.2090% | 803 |
| Credit loss provision to net charge-offs | 48.3871% | 4,435 |
| Earnings coverage of net charge-offs (x) | 0.1548% | 5,255 |
| Efficiency ratio | 97.5485% | 620 |
| Assets per employee ($millions) | 3.0208% | 6,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6368% | 6,823 |
| Loan loss allowance to noncurrent loans | 121.8391% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 1.4871% | 3,366 |
| Noncurrent loans to loans | 0.5226% | 5,397 |
| Net loans and leases to total assets | 42.1187% | 6,121 |
| Net loans and leases to deposits | 45.1925% | 6,442 |
| Net loans and leases to core deposits | 48.0702% | 6,405 |
| Total domestic deposits to total assets | 93.1984% | 100 |
| Equity capital to assets | 6.4528% | 6,946 |
| Core capital (leverage) ratio | 6.2511% | 6,922 |
| Tier 1 risk-based capital ratio | 12.7788% | 5,420 |
| Total risk-based capital ratio | 13.3390% | 5,872 |
| Memoranda: | ||
| Average total assets | $39,029,250 | 6,616 |
| Average earning assets | $34,518,000 | 6,627 |
| Average equity | $2,485,750 | 6,972 |
| Average total loans | $17,094,000 | 6,635 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 2,786 |
| Cost of funding earning assets | 1.2182% | 757 |
| Net interest margin | 3.5147% | 4,607 |
| Noninterest income to average assets | 0.3594% | 4,966 |
| Noninterest expense to average assets | 3.2915% | 2,333 |
| Loan and lease loss provision to assets | 0.2567% | 2,523 |
| Net operating income to assets | -0.0924% | 6,427 |
| Return on assets (ROA) | 0.3492% | 5,656 |
| Pretax return on assets | 0.3492% | 5,830 |
| Return on Equity (ROE) | 5.5068% | 4,581 |
| Retained earnings to average equity (ytd only) | 5.5068% | 2,985 |
| Net charge-offs to loans | 1.2179% | 886 |
| Credit loss provision to net charge-offs | 47.6190% | 4,092 |
| Earnings coverage of net charge-offs (x) | 0.3048% | 4,926 |
| Efficiency ratio | 95.2452% | 738 |
| Assets per employee ($millions) | 2.7324% | 6,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7792% | 6,717 |
| Loan loss allowance to noncurrent loans | 256.8627% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 1.6757% | 3,206 |
| Noncurrent loans to loans | 0.3033% | 5,953 |
| Net loans and leases to total assets | 43.6097% | 6,054 |
| Net loans and leases to deposits | 46.7676% | 6,386 |
| Net loans and leases to core deposits | 49.0907% | 6,394 |
| Total domestic deposits to total assets | 93.2476% | 110 |
| Equity capital to assets | 6.4309% | 6,992 |
| Core capital (leverage) ratio | 6.1367% | 6,970 |
| Tier 1 risk-based capital ratio | 12.7939% | 5,343 |
| Total risk-based capital ratio | 13.4922% | 5,744 |
| Memoranda: | ||
| Average total assets | $38,949,000 | 6,664 |
| Average earning assets | $34,313,330 | 6,676 |
| Average equity | $2,469,670 | 7,021 |
| Average total loans | $17,243,330 | 6,680 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 3,113 |
| Cost of funding earning assets | 1.2692% | 722 |
| Net interest margin | 3.4153% | 5,051 |
| Noninterest income to average assets | 0.3461% | 5,093 |
| Noninterest expense to average assets | 3.2674% | 2,391 |
| Loan and lease loss provision to assets | 0.2545% | 2,419 |
| Net operating income to assets | -0.1629% | 6,594 |
| Return on assets (ROA) | 0.4682% | 5,160 |
| Pretax return on assets | 0.4682% | 5,529 |
| Return on Equity (ROE) | 7.4358% | 3,537 |
| Retained earnings to average equity (ytd only) | 7.4358% | 2,208 |
| Net charge-offs to loans | 2.3599% | 359 |
| Credit loss provision to net charge-offs | 24.2718% | 3,715 |
| Earnings coverage of net charge-offs (x) | 0.0874% | 4,323 |
| Efficiency ratio | 97.2727% | 669 |
| Assets per employee ($millions) | 3.0548% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6220% | 6,962 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 246 |
| Noncurrent assets plus other real estate owned to assets | 1.5134% | 3,585 |
| Noncurrent loans to loans | 0.0346% | 6,678 |
| Net loans and leases to total assets | 43.4503% | 6,057 |
| Net loans and leases to deposits | 46.4468% | 6,393 |
| Net loans and leases to core deposits | 47.6421% | 6,477 |
| Total domestic deposits to total assets | 93.5485% | 113 |
| Equity capital to assets | 6.1745% | 7,058 |
| Core capital (leverage) ratio | 6.0427% | 7,035 |
| Tier 1 risk-based capital ratio | 11.6924% | 6,162 |
| Total risk-based capital ratio | 12.2234% | 6,539 |
| Memoranda: | ||
| Average total assets | $39,297,000 | 6,706 |
| Average earning assets | $34,668,000 | 6,719 |
| Average equity | $2,474,500 | 7,071 |
| Average total loans | $17,458,500 | 6,731 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5284% | 1,101 |
| Cost of funding earning assets | 1.5506% | 583 |
| Net interest margin | 3.9778% | 2,994 |
| Noninterest income to average assets | -0.0247% | 7,038 |
| Noninterest expense to average assets | 3.7272% | 1,486 |
| Loan and lease loss provision to assets | 0.2197% | 3,997 |
| Net operating income to assets | -0.5191% | 6,503 |
| Return on assets (ROA) | 0.0000% | 6,160 |
| Pretax return on assets | 0.0000% | 6,127 |
| Return on Equity (ROE) | 0.0000% | 6,160 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
| Net charge-offs to loans | 0.3924% | 3,453 |
| Credit loss provision to net charge-offs | 115.9420% | 2,800 |
| Earnings coverage of net charge-offs (x) | -1.5797% | 6,256 |
| Efficiency ratio | 108.7340% | 455 |
| Assets per employee ($millions) | 2.9909% | 6,099 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 5,965 |
| Loan loss allowance to noncurrent loans | 95.3846% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 2.0318% | 2,921 |
| Noncurrent loans to loans | 1.1109% | 4,496 |
| Net loans and leases to total assets | 44.6685% | 6,145 |
| Net loans and leases to deposits | 47.8879% | 6,501 |
| Net loans and leases to core deposits | 48.8057% | 6,604 |
| Total domestic deposits to total assets | 93.2771% | 127 |
| Equity capital to assets | 6.4220% | 7,050 |
| Core capital (leverage) ratio | 6.0299% | 7,054 |
| Tier 1 risk-based capital ratio | 11.4781% | 6,173 |
| Total risk-based capital ratio | 12.3936% | 6,357 |
| Memoranda: | ||
| Average total assets | $36,408,400 | 6,785 |
| Average earning assets | $31,600,400 | 6,819 |
| Average equity | $2,441,400 | 7,130 |
| Average total loans | $17,583,800 | 6,778 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6887% | 867 |
| Cost of funding earning assets | 1.5939% | 598 |
| Net interest margin | 4.0949% | 2,495 |
| Noninterest income to average assets | -0.0671% | 7,185 |
| Noninterest expense to average assets | 3.8706% | 1,199 |
| Loan and lease loss provision to assets | 0.1863% | 4,167 |
| Net operating income to assets | -0.5923% | 6,691 |
| Return on assets (ROA) | 0.0559% | 6,170 |
| Pretax return on assets | 0.0559% | 6,154 |
| Return on Equity (ROE) | 0.8239% | 6,101 |
| Retained earnings to average equity (ytd only) | 0.8239% | 5,682 |
| Net charge-offs to loans | 0.4623% | 2,884 |
| Credit loss provision to net charge-offs | 81.9672% | 4,075 |
| Earnings coverage of net charge-offs (x) | -1.7869% | 6,003 |
| Efficiency ratio | 111.7204% | 398 |
| Assets per employee ($millions) | 2.7438% | 6,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 6,441 |
| Loan loss allowance to noncurrent loans | 89.6175% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 2.0930% | 3,037 |
| Noncurrent loans to loans | 1.0644% | 4,785 |
| Net loans and leases to total assets | 44.3313% | 6,304 |
| Net loans and leases to deposits | 47.5803% | 6,643 |
| Net loans and leases to core deposits | 48.5005% | 6,740 |
| Total domestic deposits to total assets | 93.1716% | 123 |
| Equity capital to assets | 6.4666% | 7,138 |
| Core capital (leverage) ratio | 6.3176% | 7,098 |
| Tier 1 risk-based capital ratio | 11.6465% | 6,140 |
| Total risk-based capital ratio | 12.4603% | 6,404 |
| Memoranda: | ||
| Average total assets | $35,790,000 | 6,864 |
| Average earning assets | $30,867,250 | 6,909 |
| Average equity | $2,427,500 | 7,200 |
| Average total loans | $17,591,250 | 6,840 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7746% | 754 |
| Cost of funding earning assets | 1.6375% | 602 |
| Net interest margin | 4.1371% | 2,277 |
| Noninterest income to average assets | 0.4525% | 4,269 |
| Noninterest expense to average assets | 4.0039% | 1,045 |
| Loan and lease loss provision to assets | 0.1146% | 4,858 |
| Net operating income to assets | -0.1203% | 6,376 |
| Return on assets (ROA) | 0.1890% | 5,888 |
| Pretax return on assets | 0.1890% | 5,954 |
| Return on Equity (ROE) | 2.7401% | 5,505 |
| Retained earnings to average equity (ytd only) | 2.7401% | 4,540 |
| Net charge-offs to loans | 0.6206% | 2,284 |
| Credit loss provision to net charge-offs | 36.3636% | 4,880 |
| Earnings coverage of net charge-offs (x) | -0.0182% | 5,298 |
| Efficiency ratio | 100.1433% | 717 |
| Assets per employee ($millions) | 2.5865% | 6,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7917% | 6,885 |
| Loan loss allowance to noncurrent loans | 77.7778% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 2.4468% | 2,719 |
| Noncurrent loans to loans | 1.0179% | 4,957 |
| Net loans and leases to total assets | 48.4466% | 6,002 |
| Net loans and leases to deposits | 52.2082% | 6,458 |
| Net loans and leases to core deposits | 52.6011% | 6,631 |
| Total domestic deposits to total assets | 92.7950% | 137 |
| Equity capital to assets | 6.9067% | 7,120 |
| Core capital (leverage) ratio | 6.6213% | 7,098 |
| Tier 1 risk-based capital ratio | 11.7967% | 5,939 |
| Total risk-based capital ratio | 12.4950% | 6,351 |
| Memoranda: | ||
| Average total assets | $34,915,670 | 6,963 |
| Average earning assets | $29,924,330 | 6,998 |
| Average equity | $2,408,670 | 7,270 |
| Average total loans | $17,724,000 | 6,902 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7178% | 848 |
| Cost of funding earning assets | 1.6705% | 630 |
| Net interest margin | 4.0473% | 2,480 |
| Noninterest income to average assets | 0.3735% | 4,922 |
| Noninterest expense to average assets | 4.0037% | 1,029 |
| Loan and lease loss provision to assets | 0.0584% | 5,269 |
| Net operating income to assets | -0.2101% | 6,572 |
| Return on assets (ROA) | -0.2101% | 6,584 |
| Pretax return on assets | -0.2101% | 6,545 |
| Return on Equity (ROE) | -3.0476% | 6,677 |
| Retained earnings to average equity (ytd only) | -3.0476% | 6,306 |
| Net charge-offs to loans | 1.1046% | 1,251 |
| Credit loss provision to net charge-offs | 10.2041% | 4,378 |
| Earnings coverage of net charge-offs (x) | -0.2653% | 4,722 |
| Efficiency ratio | 103.9394% | 630 |
| Assets per employee ($millions) | 2.4904% | 7,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7694% | 6,973 |
| Loan loss allowance to noncurrent loans | 87.3333% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 2.4551% | 2,770 |
| Noncurrent loans to loans | 0.8810% | 5,286 |
| Net loans and leases to total assets | 48.4598% | 6,022 |
| Net loans and leases to deposits | 52.1272% | 6,467 |
| Net loans and leases to core deposits | 53.3755% | 6,597 |
| Total domestic deposits to total assets | 92.9645% | 139 |
| Equity capital to assets | 6.7917% | 7,143 |
| Core capital (leverage) ratio | 6.7336% | 7,103 |
| Tier 1 risk-based capital ratio | 12.0145% | 5,680 |
| Total risk-based capital ratio | 12.6947% | 6,129 |
| Memoranda: | ||
| Average total assets | $34,268,000 | 7,034 |
| Average earning assets | $29,452,000 | 7,068 |
| Average equity | $2,362,500 | 7,326 |
| Average total loans | $17,744,500 | 6,956 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2456% | 513 |
| Cost of funding earning assets | 1.6872% | 1,659 |
| Net interest margin | 4.5584% | 1,112 |
| Noninterest income to average assets | 0.5981% | 3,492 |
| Noninterest expense to average assets | 3.9172% | 1,290 |
| Loan and lease loss provision to assets | 0.1645% | 5,571 |
| Net operating income to assets | 0.4994% | 4,100 |
| Return on assets (ROA) | 0.4994% | 4,260 |
| Pretax return on assets | 0.4994% | 4,624 |
| Return on Equity (ROE) | 7.0817% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.0817% | 1,286 |
| Net charge-offs to loans | 0.2020% | 5,078 |
| Credit loss provision to net charge-offs | 144.7368% | 2,561 |
| Earnings coverage of net charge-offs (x) | 5.8421% | 2,519 |
| Efficiency ratio | 85.5091% | 1,746 |
| Assets per employee ($millions) | 2.5900% | 6,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 6,581 |
| Loan loss allowance to noncurrent loans | 25.8876% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 2.2810% | 2,990 |
| Noncurrent loans to loans | 3.6616% | 2,038 |
| Net loans and leases to total assets | 54.3124% | 5,596 |
| Net loans and leases to deposits | 58.6028% | 6,199 |
| Net loans and leases to core deposits | 59.5687% | 6,427 |
| Total domestic deposits to total assets | 92.6789% | 167 |
| Equity capital to assets | 7.0003% | 7,111 |
| Core capital (leverage) ratio | 6.8409% | 7,090 |
| Tier 1 risk-based capital ratio | 11.9180% | 5,552 |
| Total risk-based capital ratio | 12.8124% | 5,859 |
| Memoranda: | ||
| Average total assets | $33,442,000 | 7,100 |
| Average earning assets | $29,220,600 | 7,120 |
| Average equity | $2,358,200 | 7,435 |
| Average total loans | $18,809,000 | 6,988 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3915% | 420 |
| Cost of funding earning assets | 1.6846% | 1,948 |
| Net interest margin | 4.7069% | 835 |
| Noninterest income to average assets | 0.6310% | 3,246 |
| Noninterest expense to average assets | 3.9258% | 1,167 |
| Loan and lease loss provision to assets | 0.1797% | 5,248 |
| Net operating income to assets | 0.6430% | 3,687 |
| Return on assets (ROA) | 0.6430% | 3,855 |
| Pretax return on assets | 0.6430% | 4,447 |
| Return on Equity (ROE) | 9.1015% | 2,456 |
| Retained earnings to average equity (ytd only) | 9.1015% | 1,024 |
| Net charge-offs to loans | 0.2540% | 4,421 |
| Credit loss provision to net charge-offs | 125.0000% | 3,279 |
| Earnings coverage of net charge-offs (x) | 5.7221% | 2,693 |
| Efficiency ratio | 82.6745% | 1,986 |
| Assets per employee ($millions) | 2.2486% | 7,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 6,751 |
| Loan loss allowance to noncurrent loans | 45.0135% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 1.2838% | 4,576 |
| Noncurrent loans to loans | 1.9960% | 3,685 |
| Net loans and leases to total assets | 54.6118% | 5,756 |
| Net loans and leases to deposits | 59.2531% | 6,367 |
| Net loans and leases to core deposits | 60.7239% | 6,561 |
| Total domestic deposits to total assets | 92.1670% | 169 |
| Equity capital to assets | 7.5039% | 7,127 |
| Core capital (leverage) ratio | 6.5773% | 7,315 |
| Tier 1 risk-based capital ratio | 11.9726% | 5,486 |
| Total risk-based capital ratio | 12.8319% | 5,840 |
| Memoranda: | ||
| Average total assets | $33,385,000 | 7,188 |
| Average earning assets | $29,204,750 | 7,201 |
| Average equity | $2,358,500 | 7,532 |
| Average total loans | $18,895,750 | 7,079 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4201% | 391 |
| Cost of funding earning assets | 1.7184% | 2,025 |
| Net interest margin | 4.7016% | 812 |
| Noninterest income to average assets | 0.6312% | 3,118 |
| Noninterest expense to average assets | 3.9134% | 1,167 |
| Loan and lease loss provision to assets | 0.1803% | 5,064 |
| Net operating income to assets | 0.6492% | 3,630 |
| Return on assets (ROA) | 0.6492% | 3,785 |
| Pretax return on assets | 0.6492% | 4,401 |
| Return on Equity (ROE) | 9.3872% | 2,322 |
| Retained earnings to average equity (ytd only) | 9.3872% | 988 |
| Net charge-offs to loans | 0.3895% | 3,417 |
| Credit loss provision to net charge-offs | 81.0811% | 4,677 |
| Earnings coverage of net charge-offs (x) | 3.7297% | 3,200 |
| Efficiency ratio | 82.5095% | 2,101 |
| Assets per employee ($millions) | 1.9763% | 7,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 7,053 |
| Loan loss allowance to noncurrent loans | 419.4444% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 6,685 |
| Noncurrent loans to loans | 0.1886% | 6,875 |
| Net loans and leases to total assets | 56.3592% | 5,647 |
| Net loans and leases to deposits | 60.9901% | 6,312 |
| Net loans and leases to core deposits | 62.0027% | 6,548 |
| Total domestic deposits to total assets | 92.4071% | 163 |
| Equity capital to assets | 7.3042% | 7,222 |
| Core capital (leverage) ratio | 6.6361% | 7,335 |
| Tier 1 risk-based capital ratio | 11.3208% | 5,923 |
| Total risk-based capital ratio | 12.0679% | 6,419 |
| Memoranda: | ||
| Average total assets | $33,270,330 | 7,248 |
| Average earning assets | $29,096,330 | 7,257 |
| Average equity | $2,301,000 | 7,606 |
| Average total loans | $18,998,670 | 7,124 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4051% | 430 |
| Cost of funding earning assets | 1.7506% | 2,124 |
| Net interest margin | 4.6545% | 860 |
| Noninterest income to average assets | 0.5920% | 3,329 |
| Noninterest expense to average assets | 3.8179% | 1,302 |
| Loan and lease loss provision to assets | 0.1812% | 4,709 |
| Net operating income to assets | 0.6403% | 3,709 |
| Return on assets (ROA) | 0.6403% | 3,830 |
| Pretax return on assets | 0.6403% | 4,448 |
| Return on Equity (ROE) | 9.5302% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.5302% | 1,263 |
| Net charge-offs to loans | 0.6753% | 2,143 |
| Credit loss provision to net charge-offs | 46.8750% | 4,529 |
| Earnings coverage of net charge-offs (x) | 2.1250% | 3,474 |
| Efficiency ratio | 82.2917% | 2,241 |
| Assets per employee ($millions) | 2.1035% | 7,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7361% | 7,279 |
| Loan loss allowance to noncurrent loans | 313.3333% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 6,681 |
| Noncurrent loans to loans | 0.2349% | 6,869 |
| Net loans and leases to total assets | 56.4981% | 5,673 |
| Net loans and leases to deposits | 60.7877% | 6,384 |
| Net loans and leases to core deposits | 62.8076% | 6,540 |
| Total domestic deposits to total assets | 92.9433% | 127 |
| Equity capital to assets | 6.8190% | 7,441 |
| Core capital (leverage) ratio | 6.3945% | 7,502 |
| Tier 1 risk-based capital ratio | 11.0750% | 6,091 |
| Total risk-based capital ratio | 11.7791% | 6,596 |
| Memoranda: | ||
| Average total assets | $33,107,000 | 7,336 |
| Average earning assets | $28,789,500 | 7,362 |
| Average equity | $2,224,500 | 7,708 |
| Average total loans | $18,955,000 | 7,215 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6255% | 535 |
| Cost of funding earning assets | 2.1202% | 2,364 |
| Net interest margin | 4.5053% | 1,170 |
| Noninterest income to average assets | 0.7353% | 2,761 |
| Noninterest expense to average assets | 4.1896% | 1,109 |
| Loan and lease loss provision to assets | 0.1408% | 6,231 |
| Net operating income to assets | 0.3410% | 4,371 |
| Return on assets (ROA) | 0.3410% | 4,457 |
| Pretax return on assets | 0.3410% | 4,663 |
| Return on Equity (ROE) | 5.0660% | 3,639 |
| Retained earnings to average equity (ytd only) | 5.0660% | 1,785 |
| Net charge-offs to loans | 0.2510% | 5,051 |
| Credit loss provision to net charge-offs | 95.7447% | 5,788 |
| Earnings coverage of net charge-offs (x) | 3.2766% | 3,425 |
| Efficiency ratio | 89.6852% | 1,729 |
| Assets per employee ($millions) | 2.1705% | 7,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 7,007 |
| Loan loss allowance to noncurrent loans | 205.1948% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 6,396 |
| Noncurrent loans to loans | 0.4106% | 6,454 |
| Net loans and leases to total assets | 57.1165% | 5,798 |
| Net loans and leases to deposits | 61.3648% | 6,528 |
| Net loans and leases to core deposits | 87.3462% | 5,400 |
| Total domestic deposits to total assets | 93.0770% | 117 |
| Equity capital to assets | 6.6159% | 7,531 |
| Core capital (leverage) ratio | 6.6730% | 7,423 |
| Tier 1 risk-based capital ratio | 11.2066% | 5,713 |
| Total risk-based capital ratio | 12.0244% | 6,110 |
| Memoranda: | ||
| Average total assets | $31,960,200 | 7,405 |
| Average earning assets | $27,922,400 | 7,429 |
| Average equity | $2,151,600 | 7,812 |
| Average total loans | $18,725,600 | 7,273 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6390% | 575 |
| Cost of funding earning assets | 2.1620% | 2,589 |
| Net interest margin | 4.4770% | 1,250 |
| Noninterest income to average assets | 0.7586% | 2,656 |
| Noninterest expense to average assets | 4.1159% | 1,118 |
| Loan and lease loss provision to assets | 0.1467% | 5,890 |
| Net operating income to assets | 0.4191% | 4,323 |
| Return on assets (ROA) | 0.4191% | 4,425 |
| Pretax return on assets | 0.4191% | 4,742 |
| Return on Equity (ROE) | 6.1985% | 3,442 |
| Retained earnings to average equity (ytd only) | 6.1985% | 1,850 |
| Net charge-offs to loans | 0.1496% | 5,213 |
| Credit loss provision to net charge-offs | 166.6667% | 2,812 |
| Earnings coverage of net charge-offs (x) | 6.4286% | 2,609 |
| Efficiency ratio | 87.9141% | 1,884 |
| Assets per employee ($millions) | 2.2366% | 7,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 6,581 |
| Loan loss allowance to noncurrent loans | 197.7273% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 6,268 |
| Noncurrent loans to loans | 0.4770% | 6,364 |
| Net loans and leases to total assets | 58.3578% | 5,837 |
| Net loans and leases to deposits | 63.1650% | 6,573 |
| Net loans and leases to core deposits | 91.4153% | 5,291 |
| Total domestic deposits to total assets | 92.3895% | 130 |
| Equity capital to assets | 7.1857% | 7,497 |
| Core capital (leverage) ratio | 6.9063% | 7,486 |
| Tier 1 risk-based capital ratio | 11.4748% | 5,455 |
| Total risk-based capital ratio | 12.4009% | 5,752 |
| Memoranda: | ||
| Average total assets | $31,810,750 | 7,470 |
| Average earning assets | $27,875,000 | 7,501 |
| Average equity | $2,151,000 | 7,892 |
| Average total loans | $18,718,500 | 7,339 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6205% | 637 |
| Cost of funding earning assets | 2.1878% | 2,850 |
| Net interest margin | 4.4327% | 1,328 |
| Noninterest income to average assets | 0.6817% | 3,104 |
| Noninterest expense to average assets | 4.0717% | 1,225 |
| Loan and lease loss provision to assets | 0.1564% | 5,505 |
| Net operating income to assets | 0.3440% | 4,704 |
| Return on assets (ROA) | 0.3440% | 4,818 |
| Pretax return on assets | 0.3440% | 5,086 |
| Return on Equity (ROE) | 5.1936% | 3,993 |
| Retained earnings to average equity (ytd only) | 5.1936% | 2,399 |
| Net charge-offs to loans | 0.4466% | 3,032 |
| Credit loss provision to net charge-offs | 59.5238% | 5,599 |
| Earnings coverage of net charge-offs (x) | 1.9048% | 4,155 |
| Efficiency ratio | 89.0561% | 1,901 |
| Assets per employee ($millions) | 2.4265% | 7,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7804% | 7,218 |
| Loan loss allowance to noncurrent loans | 386.4865% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 6,675 |
| Noncurrent loans to loans | 0.2019% | 7,010 |
| Net loans and leases to total assets | 57.6383% | 6,016 |
| Net loans and leases to deposits | 62.0313% | 6,728 |
| Net loans and leases to core deposits | 88.1338% | 5,709 |
| Total domestic deposits to total assets | 92.9181% | 104 |
| Equity capital to assets | 6.6413% | 7,771 |
| Core capital (leverage) ratio | 6.6564% | 7,720 |
| Tier 1 risk-based capital ratio | 11.0837% | 5,795 |
| Total risk-based capital ratio | 11.8342% | 6,248 |
| Memoranda: | ||
| Average total assets | $31,977,000 | 7,530 |
| Average earning assets | $28,064,330 | 7,559 |
| Average equity | $2,118,000 | 7,979 |
| Average total loans | $18,809,000 | 7,407 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6701% | 613 |
| Cost of funding earning assets | 2.2374% | 2,975 |
| Net interest margin | 4.4326% | 1,267 |
| Noninterest income to average assets | 0.6585% | 3,149 |
| Noninterest expense to average assets | 3.9636% | 1,227 |
| Loan and lease loss provision to assets | 0.1243% | 5,369 |
| Net operating income to assets | 0.4846% | 4,492 |
| Return on assets (ROA) | 0.4846% | 4,685 |
| Pretax return on assets | 0.4846% | 5,125 |
| Return on Equity (ROE) | 7.3257% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.3257% | 2,088 |
| Net charge-offs to loans | 0.1890% | 3,502 |
| Credit loss provision to net charge-offs | 111.1111% | 3,469 |
| Earnings coverage of net charge-offs (x) | 5.4444% | 2,674 |
| Efficiency ratio | 86.6848% | 1,998 |
| Assets per employee ($millions) | 2.1069% | 7,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 6,995 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 6,869 |
| Noncurrent loans to loans | 0.0367% | 7,444 |
| Net loans and leases to total assets | 59.8582% | 5,678 |
| Net loans and leases to deposits | 64.4027% | 6,514 |
| Net loans and leases to core deposits | 91.6966% | 5,378 |
| Total domestic deposits to total assets | 92.9437% | 92 |
| Equity capital to assets | 6.7082% | 7,807 |
| Core capital (leverage) ratio | 6.4746% | 7,891 |
| Tier 1 risk-based capital ratio | 10.3551% | 6,539 |
| Total risk-based capital ratio | 11.1512% | 6,930 |
| Memoranda: | ||
| Average total assets | $32,193,000 | 7,560 |
| Average earning assets | $28,425,500 | 7,596 |
| Average equity | $2,129,500 | 8,029 |
| Average total loans | $19,051,000 | 7,432 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0153% | 1,100 |
| Cost of funding earning assets | 2.6303% | 3,529 |
| Net interest margin | 4.3850% | 1,735 |
| Noninterest income to average assets | 0.6366% | 3,586 |
| Noninterest expense to average assets | 4.1171% | 1,251 |
| Loan and lease loss provision to assets | 0.1024% | 6,071 |
| Net operating income to assets | 0.4223% | 5,065 |
| Return on assets (ROA) | 0.4223% | 4,882 |
| Pretax return on assets | 0.4223% | 5,199 |
| Return on Equity (ROE) | 7.2977% | 3,370 |
| Retained earnings to average equity (ytd only) | 7.2977% | 1,058 |
| Net charge-offs to loans | 0.2615% | 3,665 |
| Credit loss provision to net charge-offs | 66.6667% | 6,127 |
| Earnings coverage of net charge-offs (x) | 3.4167% | 4,377 |
| Efficiency ratio | 88.6975% | 1,617 |
| Assets per employee ($millions) | 2.3416% | 7,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 6,937 |
| Loan loss allowance to noncurrent loans | 1,777.7778% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 7,486 |
| Noncurrent loans to loans | 0.0473% | 7,319 |
| Net loans and leases to total assets | 57.5420% | 6,267 |
| Net loans and leases to deposits | 61.8188% | 6,960 |
| Net loans and leases to core deposits | 89.4580% | 5,847 |
| Total domestic deposits to total assets | 93.0818% | 51 |
| Equity capital to assets | 6.5247% | 7,929 |
| Core capital (leverage) ratio | 6.3744% | 7,974 |
| Tier 1 risk-based capital ratio | 10.2523% | 6,466 |
| Total risk-based capital ratio | 11.0502% | 6,850 |
| Memoranda: | ||
| Average total assets | $31,260,200 | 7,591 |
| Average earning assets | $28,551,800 | 7,585 |
| Average equity | $1,808,800 | 8,155 |
| Average total loans | $18,359,000 | 7,438 |