Home > First Financial Bank > Performance and Condition Ratios
First Financial Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8384% | 3,631 |
| Cost of funding earning assets | 0.3002% | 4,045 |
| Net interest margin | 3.5382% | 3,130 |
| Noninterest income to average assets | 0.2312% | 4,892 |
| Noninterest expense to average assets | 2.6033% | 3,491 |
| Loan and lease loss provision to assets | 0.1005% | 1,883 |
| Net operating income to assets | 0.6533% | 3,920 |
| Return on assets (ROA) | 0.6533% | 3,956 |
| Pretax return on assets | 0.8443% | 3,957 |
| Return on Equity (ROE) | 6.4516% | 3,689 |
| Retained earnings to average equity (ytd only) | -13.3995% | 5,644 |
| Net charge-offs to loans | 0.0341% | 2,095 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 936 |
| Efficiency ratio | 73.3711% | 2,347 |
| Assets per employee ($millions) | 5.0359% | 2,396 |
| Cash dividends to net income (ytd only)* | 307.6923% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4052% | 353 |
| Loan loss allowance to noncurrent loans | 674.3590% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 4,474 |
| Noncurrent loans to loans | 0.3567% | 3,811 |
| Net loans and leases to total assets | 52.9774% | 4,430 |
| Net loans and leases to deposits | 59.0222% | 4,631 |
| Net loans and leases to core deposits | 59.9304% | 4,785 |
| Total domestic deposits to total assets | 89.7585% | 771 |
| Equity capital to assets | 9.8742% | 3,903 |
| Core capital (leverage) ratio | 9.5140% | 4,110 |
| Tier 1 risk-based capital ratio | 14.0091% | 3,472 |
| Total risk-based capital ratio | 15.2684% | 3,381 |
| Memoranda: | ||
| Average total assets | $39,796,000 | 5,500 |
| Average earning assets | $37,307,000 | 5,479 |
| Average equity | $4,030,000 | 5,580 |
| Average total loans | $23,435,000 | 5,354 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 2,572 |
| Cost of funding earning assets | 0.3272% | 3,776 |
| Net interest margin | 3.8459% | 2,152 |
| Noninterest income to average assets | 0.2870% | 4,688 |
| Noninterest expense to average assets | 2.4870% | 4,059 |
| Loan and lease loss provision to assets | 0.1247% | 1,990 |
| Net operating income to assets | 0.9482% | 2,596 |
| Return on assets (ROA) | 0.9482% | 2,702 |
| Pretax return on assets | 1.2988% | 2,291 |
| Return on Equity (ROE) | 9.8988% | 2,000 |
| Retained earnings to average equity (ytd only) | 4.4950% | 2,707 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5981% | 4,012 |
| Assets per employee ($millions) | 4.9131% | 2,495 |
| Cash dividends to net income (ytd only)* | 54.5906% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0719% | 574 |
| Loan loss allowance to noncurrent loans | 3,453.3333% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 5,209 |
| Noncurrent loans to loans | 0.0600% | 5,004 |
| Net loans and leases to total assets | 62.2898% | 3,571 |
| Net loans and leases to deposits | 69.6410% | 3,943 |
| Net loans and leases to core deposits | 70.7438% | 4,177 |
| Total domestic deposits to total assets | 89.4441% | 884 |
| Equity capital to assets | 10.3854% | 3,292 |
| Core capital (leverage) ratio | 9.8897% | 3,643 |
| Tier 1 risk-based capital ratio | 14.2188% | 3,338 |
| Total risk-based capital ratio | 15.4781% | 3,261 |
| Memoranda: | ||
| Average total assets | $42,501,400 | 5,500 |
| Average earning assets | $40,042,200 | 5,471 |
| Average equity | $4,071,200 | 5,630 |
| Average total loans | $27,417,000 | 5,287 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1619% | 2,639 |
| Cost of funding earning assets | 0.3327% | 3,753 |
| Net interest margin | 3.8292% | 2,230 |
| Noninterest income to average assets | 0.2463% | 4,998 |
| Noninterest expense to average assets | 2.4603% | 4,107 |
| Loan and lease loss provision to assets | 0.1324% | 1,771 |
| Net operating income to assets | 0.9268% | 2,772 |
| Return on assets (ROA) | 0.9268% | 2,901 |
| Pretax return on assets | 1.2686% | 2,541 |
| Return on Equity (ROE) | 9.8641% | 2,112 |
| Retained earnings to average equity (ytd only) | 4.6209% | 3,071 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7161% | 3,965 |
| Assets per employee ($millions) | 5.1566% | 2,179 |
| Cash dividends to net income (ytd only)* | 53.1571% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 986 |
| Loan loss allowance to noncurrent loans | 3,386.6667% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 5,338 |
| Noncurrent loans to loans | 0.0536% | 5,139 |
| Net loans and leases to total assets | 66.5430% | 3,031 |
| Net loans and leases to deposits | 84.9639% | 2,372 |
| Net loans and leases to core deposits | 86.4272% | 2,915 |
| Total domestic deposits to total assets | 78.3192% | 4,849 |
| Equity capital to assets | 10.0720% | 4,069 |
| Core capital (leverage) ratio | 9.4419% | 4,268 |
| Tier 1 risk-based capital ratio | 13.2175% | 4,025 |
| Total risk-based capital ratio | 14.4750% | 3,931 |
| Memoranda: | ||
| Average total assets | $43,300,500 | 5,537 |
| Average earning assets | $40,877,500 | 5,500 |
| Average equity | $4,068,500 | 5,690 |
| Average total loans | $28,021,000 | 5,318 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 2,903 |
| Cost of funding earning assets | 0.3273% | 3,819 |
| Net interest margin | 3.7637% | 2,460 |
| Noninterest income to average assets | 0.2410% | 5,042 |
| Noninterest expense to average assets | 2.4146% | 4,292 |
| Loan and lease loss provision to assets | 0.1364% | 1,665 |
| Net operating income to assets | 0.9140% | 2,794 |
| Return on assets (ROA) | 0.9140% | 2,930 |
| Pretax return on assets | 1.2459% | 2,616 |
| Return on Equity (ROE) | 9.9513% | 2,074 |
| Retained earnings to average equity (ytd only) | 5.0004% | 2,742 |
| Net charge-offs to loans | -0.0071% | 4,613 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5928% | 4,084 |
| Assets per employee ($millions) | 5.2586% | 2,025 |
| Cash dividends to net income (ytd only)* | 49.7512% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 1,128 |
| Loan loss allowance to noncurrent loans | 3,306.6667% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 5,439 |
| Noncurrent loans to loans | 0.0537% | 5,247 |
| Net loans and leases to total assets | 65.2761% | 3,185 |
| Net loans and leases to deposits | 81.6150% | 2,752 |
| Net loans and leases to core deposits | 82.9637% | 3,173 |
| Total domestic deposits to total assets | 79.9805% | 4,551 |
| Equity capital to assets | 9.8291% | 4,411 |
| Core capital (leverage) ratio | 9.4570% | 4,257 |
| Tier 1 risk-based capital ratio | 13.0015% | 4,197 |
| Total risk-based capital ratio | 14.2575% | 4,108 |
| Memoranda: | ||
| Average total assets | $43,983,000 | 5,582 |
| Average earning assets | $41,555,330 | 5,548 |
| Average equity | $4,039,670 | 5,755 |
| Average total loans | $28,041,670 | 5,369 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 2,579 |
| Cost of funding earning assets | 0.3398% | 3,721 |
| Net interest margin | 3.8318% | 2,170 |
| Noninterest income to average assets | 0.2225% | 5,143 |
| Noninterest expense to average assets | 2.4655% | 4,180 |
| Loan and lease loss provision to assets | 0.1335% | 1,579 |
| Net operating income to assets | 0.9079% | 2,717 |
| Return on assets (ROA) | 0.9079% | 2,838 |
| Pretax return on assets | 1.2372% | 2,548 |
| Return on Equity (ROE) | 10.2204% | 1,892 |
| Retained earnings to average equity (ytd only) | 5.2104% | 2,808 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2691% | 4,079 |
| Assets per employee ($millions) | 5.2585% | 2,070 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8951% | 980 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 5,477 |
| Noncurrent loans to loans | 0.0632% | 5,230 |
| Net loans and leases to total assets | 59.0687% | 3,910 |
| Net loans and leases to deposits | 70.5016% | 3,813 |
| Net loans and leases to core deposits | 71.6110% | 4,096 |
| Total domestic deposits to total assets | 83.7834% | 3,604 |
| Equity capital to assets | 9.6011% | 4,565 |
| Core capital (leverage) ratio | 8.5579% | 5,339 |
| Tier 1 risk-based capital ratio | 13.0636% | 4,229 |
| Total risk-based capital ratio | 14.3205% | 4,135 |
| Memoranda: | ||
| Average total assets | $44,940,000 | 5,618 |
| Average earning assets | $42,382,000 | 5,586 |
| Average equity | $3,992,000 | 5,816 |
| Average total loans | $28,084,000 | 5,411 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0448% | 3,140 |
| Cost of funding earning assets | 0.3298% | 3,912 |
| Net interest margin | 3.7150% | 2,695 |
| Noninterest income to average assets | 0.3455% | 4,443 |
| Noninterest expense to average assets | 2.5509% | 4,068 |
| Loan and lease loss provision to assets | 0.2700% | 683 |
| Net operating income to assets | 0.7184% | 3,718 |
| Return on assets (ROA) | 0.7184% | 3,828 |
| Pretax return on assets | 1.0295% | 3,353 |
| Return on Equity (ROE) | 8.1558% | 2,867 |
| Retained earnings to average equity (ytd only) | 3.2208% | 3,764 |
| Net charge-offs to loans | 0.0039% | 4,316 |
| Credit loss provision to net charge-offs | 11,800.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 568.0000% | 113 |
| Efficiency ratio | 66.2507% | 3,862 |
| Assets per employee ($millions) | 5.3124% | 1,994 |
| Cash dividends to net income (ytd only)* | 60.5096% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 1,966 |
| Loan loss allowance to noncurrent loans | 2,906.2500% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 5,550 |
| Noncurrent loans to loans | 0.0519% | 5,305 |
| Net loans and leases to total assets | 63.5280% | 3,344 |
| Net loans and leases to deposits | 85.2006% | 2,215 |
| Net loans and leases to core deposits | 86.5258% | 2,755 |
| Total domestic deposits to total assets | 74.5629% | 5,597 |
| Equity capital to assets | 8.2511% | 5,736 |
| Core capital (leverage) ratio | 7.9772% | 5,849 |
| Tier 1 risk-based capital ratio | 10.6341% | 5,709 |
| Total risk-based capital ratio | 11.8860% | 5,627 |
| Memoranda: | ||
| Average total assets | $43,710,400 | 5,690 |
| Average earning assets | $41,238,200 | 5,646 |
| Average equity | $3,850,000 | 5,880 |
| Average total loans | $25,898,600 | 5,521 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8451% | 3,953 |
| Cost of funding earning assets | 0.3174% | 4,138 |
| Net interest margin | 3.5277% | 3,438 |
| Noninterest income to average assets | 0.2718% | 4,993 |
| Noninterest expense to average assets | 2.5801% | 3,944 |
| Loan and lease loss provision to assets | 0.2592% | 644 |
| Net operating income to assets | 0.5497% | 4,589 |
| Return on assets (ROA) | 0.5497% | 4,693 |
| Pretax return on assets | 0.7653% | 4,445 |
| Return on Equity (ROE) | 6.1329% | 4,097 |
| Retained earnings to average equity (ytd only) | 1.2545% | 5,220 |
| Net charge-offs to loans | 0.0108% | 3,799 |
| Credit loss provision to net charge-offs | 4,150.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 163.7903% | 431 |
| Efficiency ratio | 71.5771% | 2,949 |
| Assets per employee ($millions) | 5.1842% | 2,080 |
| Cash dividends to net income (ytd only)* | 79.5449% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 2,328 |
| Loan loss allowance to noncurrent loans | 841.1765% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 5,310 |
| Noncurrent loans to loans | 0.1735% | 4,959 |
| Net loans and leases to total assets | 62.0730% | 3,595 |
| Net loans and leases to deposits | 83.9430% | 2,415 |
| Net loans and leases to core deposits | 85.2902% | 2,921 |
| Total domestic deposits to total assets | 73.9466% | 5,720 |
| Equity capital to assets | 8.2815% | 5,835 |
| Core capital (leverage) ratio | 8.5920% | 5,471 |
| Tier 1 risk-based capital ratio | 11.8852% | 5,145 |
| Total risk-based capital ratio | 13.1350% | 5,071 |
| Memoranda: | ||
| Average total assets | $42,685,000 | 5,786 |
| Average earning assets | $40,327,000 | 5,742 |
| Average equity | $3,826,250 | 5,965 |
| Average total loans | $24,663,500 | 5,635 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7737% | 4,159 |
| Cost of funding earning assets | 0.3068% | 4,323 |
| Net interest margin | 3.4669% | 3,633 |
| Noninterest income to average assets | 0.2418% | 5,228 |
| Noninterest expense to average assets | 2.6257% | 3,832 |
| Loan and lease loss provision to assets | 0.1112% | 1,978 |
| Net operating income to assets | 0.5658% | 4,496 |
| Return on assets (ROA) | 0.5658% | 4,597 |
| Pretax return on assets | 0.7834% | 4,375 |
| Return on Equity (ROE) | 6.1358% | 4,066 |
| Retained earnings to average equity (ytd only) | 1.4160% | 4,983 |
| Net charge-offs to loans | 0.0260% | 3,163 |
| Credit loss provision to net charge-offs | 766.6667% | 444 |
| Earnings coverage of net charge-offs (x) | 61.6667% | 829 |
| Efficiency ratio | 74.5879% | 2,598 |
| Assets per employee ($millions) | 4.5859% | 2,846 |
| Cash dividends to net income (ytd only)* | 76.9231% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 2,218 |
| Loan loss allowance to noncurrent loans | 234.3949% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 4,371 |
| Noncurrent loans to loans | 0.6476% | 3,534 |
| Net loans and leases to total assets | 57.8465% | 4,120 |
| Net loans and leases to deposits | 68.0103% | 4,135 |
| Net loans and leases to core deposits | 69.0828% | 4,405 |
| Total domestic deposits to total assets | 85.0556% | 3,100 |
| Equity capital to assets | 9.2336% | 4,975 |
| Core capital (leverage) ratio | 9.4999% | 4,283 |
| Tier 1 risk-based capital ratio | 13.2726% | 4,362 |
| Total risk-based capital ratio | 14.5219% | 4,298 |
| Memoranda: | ||
| Average total assets | $41,360,670 | 5,873 |
| Average earning assets | $39,112,670 | 5,838 |
| Average equity | $3,813,670 | 6,023 |
| Average total loans | $23,087,670 | 5,744 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7006% | 4,360 |
| Cost of funding earning assets | 0.2965% | 4,480 |
| Net interest margin | 3.4041% | 3,829 |
| Noninterest income to average assets | 0.2125% | 5,430 |
| Noninterest expense to average assets | 2.6374% | 3,795 |
| Loan and lease loss provision to assets | 0.0483% | 2,963 |
| Net operating income to assets | 0.5507% | 4,476 |
| Return on assets (ROA) | 0.5507% | 4,589 |
| Pretax return on assets | 0.7439% | 4,452 |
| Return on Equity (ROE) | 5.9764% | 4,048 |
| Retained earnings to average equity (ytd only) | 1.7824% | 4,755 |
| Net charge-offs to loans | 0.0533% | 2,241 |
| Credit loss provision to net charge-offs | 166.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,208 |
| Efficiency ratio | 76.9014% | 2,356 |
| Assets per employee ($millions) | 4.5322% | 2,998 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 1,806 |
| Loan loss allowance to noncurrent loans | 686.2745% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 5,457 |
| Noncurrent loans to loans | 0.2440% | 4,903 |
| Net loans and leases to total assets | 50.3873% | 4,806 |
| Net loans and leases to deposits | 55.7506% | 5,067 |
| Net loans and leases to core deposits | 56.5871% | 5,216 |
| Total domestic deposits to total assets | 90.3800% | 573 |
| Equity capital to assets | 9.4361% | 4,825 |
| Core capital (leverage) ratio | 9.4172% | 4,401 |
| Tier 1 risk-based capital ratio | 14.8200% | 3,534 |
| Total risk-based capital ratio | 16.0706% | 3,465 |
| Memoranda: | ||
| Average total assets | $41,404,500 | 5,933 |
| Average earning assets | $39,129,000 | 5,893 |
| Average equity | $3,815,000 | 6,079 |
| Average total loans | $22,510,000 | 5,806 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 4,042 |
| Cost of funding earning assets | 0.3264% | 4,529 |
| Net interest margin | 3.5979% | 3,419 |
| Noninterest income to average assets | 0.3049% | 4,931 |
| Noninterest expense to average assets | 2.5396% | 4,424 |
| Loan and lease loss provision to assets | 0.0861% | 2,750 |
| Net operating income to assets | 0.7565% | 3,593 |
| Return on assets (ROA) | 0.7565% | 3,697 |
| Pretax return on assets | 1.0661% | 3,224 |
| Return on Equity (ROE) | 8.7375% | 2,712 |
| Retained earnings to average equity (ytd only) | 2.2852% | 4,612 |
| Net charge-offs to loans | -0.0426% | 5,878 |
| Credit loss provision to net charge-offs | -370.0000% | 5,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7894% | 3,754 |
| Assets per employee ($millions) | 4.6688% | 2,770 |
| Cash dividends to net income (ytd only)* | 73.8462% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 2,727 |
| Loan loss allowance to noncurrent loans | 682.3529% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 5,544 |
| Noncurrent loans to loans | 0.2115% | 5,058 |
| Net loans and leases to total assets | 56.5673% | 4,251 |
| Net loans and leases to deposits | 66.8852% | 4,226 |
| Net loans and leases to core deposits | 67.9250% | 4,514 |
| Total domestic deposits to total assets | 84.5736% | 3,470 |
| Equity capital to assets | 8.9983% | 5,286 |
| Core capital (leverage) ratio | 8.9748% | 5,033 |
| Tier 1 risk-based capital ratio | 13.5613% | 4,377 |
| Total risk-based capital ratio | 14.8075% | 4,311 |
| Memoranda: | ||
| Average total assets | $42,960,200 | 5,951 |
| Average earning assets | $40,440,000 | 5,908 |
| Average equity | $3,719,600 | 6,142 |
| Average total loans | $23,489,600 | 5,839 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 3,991 |
| Cost of funding earning assets | 0.3277% | 4,585 |
| Net interest margin | 3.6174% | 3,359 |
| Noninterest income to average assets | 0.2531% | 5,406 |
| Noninterest expense to average assets | 2.5095% | 4,499 |
| Loan and lease loss provision to assets | 0.1080% | 2,236 |
| Net operating income to assets | 0.7408% | 3,722 |
| Return on assets (ROA) | 0.7408% | 3,831 |
| Pretax return on assets | 1.0433% | 3,412 |
| Return on Equity (ROE) | 8.6385% | 2,882 |
| Retained earnings to average equity (ytd only) | 3.5994% | 4,089 |
| Net charge-offs to loans | -0.0571% | 5,962 |
| Credit loss provision to net charge-offs | -350.0000% | 5,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5497% | 3,756 |
| Assets per employee ($millions) | 4.8463% | 2,448 |
| Cash dividends to net income (ytd only)* | 58.3331% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 2,913 |
| Loan loss allowance to noncurrent loans | 540.6250% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 5,603 |
| Noncurrent loans to loans | 0.2694% | 5,108 |
| Net loans and leases to total assets | 53.6717% | 4,614 |
| Net loans and leases to deposits | 68.0761% | 4,118 |
| Net loans and leases to core deposits | 69.1703% | 4,398 |
| Total domestic deposits to total assets | 78.8408% | 5,360 |
| Equity capital to assets | 8.6480% | 5,680 |
| Core capital (leverage) ratio | 8.6598% | 5,491 |
| Tier 1 risk-based capital ratio | 13.6645% | 4,437 |
| Total risk-based capital ratio | 14.9080% | 4,383 |
| Memoranda: | ||
| Average total assets | $43,195,500 | 6,019 |
| Average earning assets | $40,691,000 | 5,972 |
| Average equity | $3,704,250 | 6,213 |
| Average total loans | $23,332,750 | 5,905 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 3,895 |
| Cost of funding earning assets | 0.3202% | 4,755 |
| Net interest margin | 3.6407% | 3,187 |
| Noninterest income to average assets | 0.2416% | 5,465 |
| Noninterest expense to average assets | 2.4852% | 4,629 |
| Loan and lease loss provision to assets | 0.0929% | 2,475 |
| Net operating income to assets | 0.7758% | 3,449 |
| Return on assets (ROA) | 0.7758% | 3,547 |
| Pretax return on assets | 1.0963% | 3,118 |
| Return on Equity (ROE) | 9.0720% | 2,557 |
| Retained earnings to average equity (ytd only) | 4.1829% | 3,506 |
| Net charge-offs to loans | -0.0604% | 5,959 |
| Credit loss provision to net charge-offs | -285.7143% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6359% | 4,078 |
| Assets per employee ($millions) | 4.8987% | 2,343 |
| Cash dividends to net income (ytd only)* | 53.8922% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 3,342 |
| Loan loss allowance to noncurrent loans | 512.5000% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 5,712 |
| Noncurrent loans to loans | 0.2734% | 5,196 |
| Net loans and leases to total assets | 52.3453% | 4,710 |
| Net loans and leases to deposits | 65.1222% | 4,368 |
| Net loans and leases to core deposits | 66.1374% | 4,622 |
| Total domestic deposits to total assets | 80.3801% | 5,162 |
| Equity capital to assets | 8.5193% | 5,783 |
| Core capital (leverage) ratio | 8.8098% | 5,262 |
| Tier 1 risk-based capital ratio | 13.6721% | 4,474 |
| Total risk-based capital ratio | 14.8590% | 4,457 |
| Memoranda: | ||
| Average total assets | $43,055,000 | 6,076 |
| Average earning assets | $40,596,330 | 6,029 |
| Average equity | $3,681,670 | 6,265 |
| Average total loans | $23,191,670 | 5,959 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 3,513 |
| Cost of funding earning assets | 0.3086% | 4,981 |
| Net interest margin | 3.7334% | 2,735 |
| Noninterest income to average assets | 0.2257% | 5,549 |
| Noninterest expense to average assets | 2.4919% | 4,652 |
| Loan and lease loss provision to assets | 0.0940% | 2,351 |
| Net operating income to assets | 0.8181% | 3,061 |
| Return on assets (ROA) | 0.8181% | 3,133 |
| Pretax return on assets | 1.1660% | 2,636 |
| Return on Equity (ROE) | 9.5486% | 2,228 |
| Retained earnings to average equity (ytd only) | 6.8048% | 2,143 |
| Net charge-offs to loans | -0.1213% | 6,196 |
| Credit loss provision to net charge-offs | -142.8571% | 4,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4160% | 4,459 |
| Assets per employee ($millions) | 4.6684% | 2,708 |
| Cash dividends to net income (ytd only)* | 28.7356% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 3,337 |
| Loan loss allowance to noncurrent loans | 496.8750% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 5,780 |
| Noncurrent loans to loans | 0.2936% | 5,237 |
| Net loans and leases to total assets | 51.1329% | 4,777 |
| Net loans and leases to deposits | 57.2907% | 5,006 |
| Net loans and leases to core deposits | 58.1324% | 5,188 |
| Total domestic deposits to total assets | 89.2517% | 1,505 |
| Equity capital to assets | 8.8038% | 5,331 |
| Core capital (leverage) ratio | 9.0195% | 4,979 |
| Tier 1 risk-based capital ratio | 14.3096% | 4,122 |
| Total risk-based capital ratio | 15.5186% | 4,102 |
| Memoranda: | ||
| Average total assets | $42,538,500 | 6,157 |
| Average earning assets | $40,178,000 | 6,097 |
| Average equity | $3,644,500 | 6,317 |
| Average total loans | $23,084,500 | 6,016 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 4,551 |
| Cost of funding earning assets | 0.3324% | 5,302 |
| Net interest margin | 3.5441% | 3,713 |
| Noninterest income to average assets | 0.3860% | 4,546 |
| Noninterest expense to average assets | 2.6292% | 4,358 |
| Loan and lease loss provision to assets | 0.0753% | 3,599 |
| Net operating income to assets | 0.7085% | 3,756 |
| Return on assets (ROA) | 0.7085% | 3,838 |
| Pretax return on assets | 1.0192% | 3,272 |
| Return on Equity (ROE) | 8.2629% | 2,900 |
| Retained earnings to average equity (ytd only) | 2.0863% | 4,750 |
| Net charge-offs to loans | 0.0590% | 4,394 |
| Credit loss provision to net charge-offs | 228.5714% | 1,001 |
| Earnings coverage of net charge-offs (x) | 33.2143% | 1,085 |
| Efficiency ratio | 70.6068% | 3,741 |
| Assets per employee ($millions) | 4.7846% | 2,468 |
| Cash dividends to net income (ytd only)* | 74.7508% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 4,473 |
| Loan loss allowance to noncurrent loans | 221.3235% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 5,308 |
| Noncurrent loans to loans | 0.5581% | 4,596 |
| Net loans and leases to total assets | 55.8882% | 4,337 |
| Net loans and leases to deposits | 68.2143% | 4,019 |
| Net loans and leases to core deposits | 69.2786% | 4,369 |
| Total domestic deposits to total assets | 81.9303% | 4,902 |
| Equity capital to assets | 8.3370% | 5,746 |
| Core capital (leverage) ratio | 8.8329% | 5,232 |
| Tier 1 risk-based capital ratio | 13.2757% | 4,805 |
| Total risk-based capital ratio | 14.3554% | 4,855 |
| Memoranda: | ||
| Average total assets | $42,485,200 | 6,209 |
| Average earning assets | $40,010,000 | 6,170 |
| Average equity | $3,642,800 | 6,408 |
| Average total loans | $23,725,400 | 6,047 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 4,957 |
| Cost of funding earning assets | 0.3310% | 5,463 |
| Net interest margin | 3.4407% | 4,118 |
| Noninterest income to average assets | 0.3306% | 5,041 |
| Noninterest expense to average assets | 2.6451% | 4,222 |
| Loan and lease loss provision to assets | 0.1008% | 3,082 |
| Net operating income to assets | 0.6046% | 4,328 |
| Return on assets (ROA) | 0.6046% | 4,452 |
| Pretax return on assets | 0.8250% | 4,201 |
| Return on Equity (ROE) | 7.0019% | 3,647 |
| Retained earnings to average equity (ytd only) | 3.1729% | 4,413 |
| Net charge-offs to loans | 0.0792% | 3,818 |
| Credit loss provision to net charge-offs | 228.5714% | 1,064 |
| Earnings coverage of net charge-offs (x) | 20.9957% | 1,565 |
| Efficiency ratio | 74.0741% | 3,057 |
| Assets per employee ($millions) | 4.8081% | 2,429 |
| Cash dividends to net income (ytd only)* | 54.6896% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 4,873 |
| Loan loss allowance to noncurrent loans | 80.0532% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 3,938 |
| Noncurrent loans to loans | 1.4959% | 2,922 |
| Net loans and leases to total assets | 57.3914% | 4,105 |
| Net loans and leases to deposits | 71.1890% | 3,614 |
| Net loans and leases to core deposits | 72.3125% | 4,056 |
| Total domestic deposits to total assets | 80.6184% | 5,332 |
| Equity capital to assets | 8.4464% | 5,792 |
| Core capital (leverage) ratio | 8.5985% | 5,663 |
| Tier 1 risk-based capital ratio | 13.0450% | 5,091 |
| Total risk-based capital ratio | 14.1025% | 5,166 |
| Memoranda: | ||
| Average total assets | $42,341,250 | 6,286 |
| Average earning assets | $39,875,250 | 6,240 |
| Average equity | $3,656,000 | 6,480 |
| Average total loans | $23,565,000 | 6,112 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7060% | 5,127 |
| Cost of funding earning assets | 0.3240% | 5,626 |
| Net interest margin | 3.3820% | 4,258 |
| Noninterest income to average assets | 0.3141% | 5,186 |
| Noninterest expense to average assets | 2.7551% | 3,837 |
| Loan and lease loss provision to assets | 0.0476% | 4,023 |
| Net operating income to assets | 0.4758% | 4,897 |
| Return on assets (ROA) | 0.4758% | 5,082 |
| Pretax return on assets | 0.6900% | 4,713 |
| Return on Equity (ROE) | 5.4700% | 4,480 |
| Retained earnings to average equity (ytd only) | 1.3675% | 5,338 |
| Net charge-offs to loans | 0.0087% | 4,712 |
| Credit loss provision to net charge-offs | 1,000.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 318 |
| Efficiency ratio | 78.8828% | 2,325 |
| Assets per employee ($millions) | 4.8388% | 2,314 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 4,797 |
| Loan loss allowance to noncurrent loans | 73.7374% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 0.9093% | 3,969 |
| Noncurrent loans to loans | 1.6775% | 2,799 |
| Net loans and leases to total assets | 53.5374% | 4,654 |
| Net loans and leases to deposits | 64.6239% | 4,420 |
| Net loans and leases to core deposits | 65.6095% | 4,726 |
| Total domestic deposits to total assets | 82.8446% | 4,763 |
| Equity capital to assets | 8.1816% | 6,070 |
| Core capital (leverage) ratio | 8.7086% | 5,406 |
| Tier 1 risk-based capital ratio | 13.5952% | 4,713 |
| Total risk-based capital ratio | 14.6826% | 4,774 |
| Memoranda: | ||
| Average total assets | $42,030,670 | 6,342 |
| Average earning assets | $39,503,330 | 6,299 |
| Average equity | $3,656,330 | 6,531 |
| Average total loans | $23,041,330 | 6,172 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7942% | 4,839 |
| Cost of funding earning assets | 0.3317% | 5,703 |
| Net interest margin | 3.4625% | 3,851 |
| Noninterest income to average assets | 0.2811% | 5,450 |
| Noninterest expense to average assets | 2.5490% | 4,573 |
| Loan and lease loss provision to assets | 0.0485% | 3,811 |
| Net operating income to assets | 0.6978% | 3,695 |
| Return on assets (ROA) | 0.6978% | 3,838 |
| Pretax return on assets | 0.9207% | 3,685 |
| Return on Equity (ROE) | 7.7775% | 3,085 |
| Retained earnings to average equity (ytd only) | 5.0770% | 3,189 |
| Net charge-offs to loans | 0.0352% | 3,531 |
| Credit loss provision to net charge-offs | 250.0000% | 920 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 676 |
| Efficiency ratio | 72.4518% | 3,530 |
| Assets per employee ($millions) | 4.7367% | 2,590 |
| Cash dividends to net income (ytd only)* | 34.7222% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 4,101 |
| Loan loss allowance to noncurrent loans | 70.7921% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.9477% | 4,031 |
| Noncurrent loans to loans | 2.0162% | 2,599 |
| Net loans and leases to total assets | 46.3336% | 5,404 |
| Net loans and leases to deposits | 50.9782% | 5,710 |
| Net loans and leases to core deposits | 51.7014% | 5,845 |
| Total domestic deposits to total assets | 90.8890% | 573 |
| Equity capital to assets | 8.7403% | 5,772 |
| Core capital (leverage) ratio | 8.8064% | 5,179 |
| Tier 1 risk-based capital ratio | 14.9214% | 3,900 |
| Total risk-based capital ratio | 16.0835% | 3,914 |
| Memoranda: | ||
| Average total assets | $41,271,500 | 6,428 |
| Average earning assets | $38,585,000 | 6,380 |
| Average equity | $3,703,000 | 6,586 |
| Average total loans | $22,758,500 | 6,238 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 3,789 |
| Cost of funding earning assets | 0.4755% | 5,381 |
| Net interest margin | 3.9306% | 2,697 |
| Noninterest income to average assets | 0.3108% | 5,228 |
| Noninterest expense to average assets | 2.6927% | 4,421 |
| Loan and lease loss provision to assets | 0.1367% | 3,915 |
| Net operating income to assets | 0.8503% | 3,041 |
| Return on assets (ROA) | 0.8503% | 3,292 |
| Pretax return on assets | 1.1810% | 2,863 |
| Return on Equity (ROE) | 9.2079% | 2,532 |
| Retained earnings to average equity (ytd only) | 2.6116% | 4,393 |
| Net charge-offs to loans | 0.0199% | 5,629 |
| Credit loss provision to net charge-offs | 1,100.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 364 |
| Efficiency ratio | 67.1420% | 4,303 |
| Assets per employee ($millions) | 3.9913% | 3,966 |
| Cash dividends to net income (ytd only)* | 71.6374% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 5,509 |
| Loan loss allowance to noncurrent loans | 70.0495% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 1.0122% | 4,012 |
| Noncurrent loans to loans | 1.5856% | 3,245 |
| Net loans and leases to total assets | 63.1273% | 3,033 |
| Net loans and leases to deposits | 70.0531% | 3,703 |
| Net loans and leases to core deposits | 71.1209% | 4,154 |
| Total domestic deposits to total assets | 90.1135% | 893 |
| Equity capital to assets | 9.2201% | 5,246 |
| Core capital (leverage) ratio | 9.1062% | 4,730 |
| Tier 1 risk-based capital ratio | 12.8668% | 5,204 |
| Total risk-based capital ratio | 13.8710% | 5,333 |
| Memoranda: | ||
| Average total assets | $40,219,800 | 6,495 |
| Average earning assets | $37,856,600 | 6,437 |
| Average equity | $3,714,200 | 6,633 |
| Average total loans | $25,083,200 | 6,189 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 4,063 |
| Cost of funding earning assets | 0.4944% | 5,472 |
| Net interest margin | 3.9028% | 2,906 |
| Noninterest income to average assets | 0.2680% | 5,637 |
| Noninterest expense to average assets | 2.6404% | 4,603 |
| Loan and lease loss provision to assets | 0.1654% | 3,457 |
| Net operating income to assets | 0.8206% | 3,341 |
| Return on assets (ROA) | 0.8206% | 3,588 |
| Pretax return on assets | 1.1448% | 3,180 |
| Return on Equity (ROE) | 8.8821% | 2,858 |
| Retained earnings to average equity (ytd only) | 7.2704% | 1,962 |
| Net charge-offs to loans | 0.0320% | 5,199 |
| Credit loss provision to net charge-offs | 833.3333% | 336 |
| Earnings coverage of net charge-offs (x) | 65.9988% | 611 |
| Efficiency ratio | 66.8342% | 4,283 |
| Assets per employee ($millions) | 4.4858% | 2,939 |
| Cash dividends to net income (ytd only)* | 18.1455% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 5,745 |
| Loan loss allowance to noncurrent loans | 49.0265% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 1.3995% | 3,508 |
| Noncurrent loans to loans | 2.2304% | 2,581 |
| Net loans and leases to total assets | 62.0603% | 3,366 |
| Net loans and leases to deposits | 69.1554% | 4,005 |
| Net loans and leases to core deposits | 70.2017% | 4,481 |
| Total domestic deposits to total assets | 89.7404% | 973 |
| Equity capital to assets | 9.5561% | 5,135 |
| Core capital (leverage) ratio | 9.1985% | 4,768 |
| Tier 1 risk-based capital ratio | 13.1395% | 5,138 |
| Total risk-based capital ratio | 14.1147% | 5,325 |
| Memoranda: | ||
| Average total assets | $40,296,500 | 6,578 |
| Average earning assets | $38,022,750 | 6,509 |
| Average equity | $3,722,750 | 6,715 |
| Average total loans | $24,984,250 | 6,281 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 4,467 |
| Cost of funding earning assets | 0.4988% | 5,630 |
| Net interest margin | 3.8276% | 3,229 |
| Noninterest income to average assets | 0.2433% | 5,831 |
| Noninterest expense to average assets | 2.5924% | 4,799 |
| Loan and lease loss provision to assets | 0.1490% | 3,656 |
| Net operating income to assets | 0.8145% | 3,335 |
| Return on assets (ROA) | 0.8145% | 3,589 |
| Pretax return on assets | 1.1224% | 3,220 |
| Return on Equity (ROE) | 8.9187% | 2,846 |
| Retained earnings to average equity (ytd only) | 7.2872% | 1,960 |
| Net charge-offs to loans | 0.0563% | 4,625 |
| Credit loss provision to net charge-offs | 428.5714% | 688 |
| Earnings coverage of net charge-offs (x) | 36.5714% | 939 |
| Efficiency ratio | 67.0951% | 4,303 |
| Assets per employee ($millions) | 4.4153% | 3,061 |
| Cash dividends to net income (ytd only)* | 18.2927% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 6,233 |
| Loan loss allowance to noncurrent loans | 44.5993% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 1.4445% | 3,543 |
| Noncurrent loans to loans | 2.1959% | 2,721 |
| Net loans and leases to total assets | 65.1366% | 2,823 |
| Net loans and leases to deposits | 74.4456% | 3,220 |
| Net loans and leases to core deposits | 75.6201% | 3,802 |
| Total domestic deposits to total assets | 87.4956% | 2,476 |
| Equity capital to assets | 9.4821% | 5,093 |
| Core capital (leverage) ratio | 9.1045% | 4,759 |
| Tier 1 risk-based capital ratio | 13.1248% | 5,097 |
| Total risk-based capital ratio | 14.0421% | 5,317 |
| Memoranda: | ||
| Average total assets | $40,271,330 | 6,622 |
| Average earning assets | $38,091,330 | 6,551 |
| Average equity | $3,677,670 | 6,761 |
| Average total loans | $24,868,330 | 6,327 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2845% | 4,798 |
| Cost of funding earning assets | 0.5225% | 5,660 |
| Net interest margin | 3.7620% | 3,554 |
| Noninterest income to average assets | 0.2269% | 5,998 |
| Noninterest expense to average assets | 2.5852% | 4,872 |
| Loan and lease loss provision to assets | 0.1480% | 3,512 |
| Net operating income to assets | 0.7894% | 3,426 |
| Return on assets (ROA) | 0.7894% | 3,672 |
| Pretax return on assets | 1.0459% | 3,514 |
| Return on Equity (ROE) | 8.8094% | 2,904 |
| Retained earnings to average equity (ytd only) | 5.5058% | 3,254 |
| Net charge-offs to loans | 0.0660% | 3,830 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 30.2500% | 915 |
| Efficiency ratio | 68.4073% | 4,093 |
| Assets per employee ($millions) | 4.1473% | 3,692 |
| Cash dividends to net income (ytd only)* | 37.5000% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 6,093 |
| Loan loss allowance to noncurrent loans | 41.5673% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 1.4154% | 3,746 |
| Noncurrent loans to loans | 2.5174% | 2,589 |
| Net loans and leases to total assets | 55.6362% | 4,449 |
| Net loans and leases to deposits | 61.9187% | 4,930 |
| Net loans and leases to core deposits | 62.8291% | 5,242 |
| Total domestic deposits to total assets | 89.8536% | 1,159 |
| Equity capital to assets | 8.8323% | 5,710 |
| Core capital (leverage) ratio | 8.7399% | 5,228 |
| Tier 1 risk-based capital ratio | 13.7962% | 4,616 |
| Total risk-based capital ratio | 14.7367% | 4,830 |
| Memoranda: | ||
| Average total assets | $40,538,000 | 6,667 |
| Average earning assets | $38,277,500 | 6,589 |
| Average equity | $3,632,500 | 6,813 |
| Average total loans | $24,232,500 | 6,410 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1609% | 2,222 |
| Cost of funding earning assets | 0.7585% | 5,150 |
| Net interest margin | 4.4024% | 1,394 |
| Noninterest income to average assets | 0.5046% | 3,816 |
| Noninterest expense to average assets | 2.9578% | 3,748 |
| Loan and lease loss provision to assets | 0.6295% | 1,622 |
| Net operating income to assets | 0.7744% | 3,156 |
| Return on assets (ROA) | 0.7744% | 3,320 |
| Pretax return on assets | 1.0642% | 2,986 |
| Return on Equity (ROE) | 8.6597% | 2,604 |
| Retained earnings to average equity (ytd only) | 2.7935% | 4,250 |
| Net charge-offs to loans | 0.0970% | 5,378 |
| Credit loss provision to net charge-offs | 1,095.6522% | 206 |
| Earnings coverage of net charge-offs (x) | 29.4783% | 854 |
| Efficiency ratio | 63.5875% | 5,197 |
| Assets per employee ($millions) | 3.9603% | 3,948 |
| Cash dividends to net income (ytd only)* | 67.7419% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 6,472 |
| Loan loss allowance to noncurrent loans | 39.6934% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 1.4822% | 3,731 |
| Noncurrent loans to loans | 2.3343% | 2,815 |
| Net loans and leases to total assets | 62.9094% | 3,430 |
| Net loans and leases to deposits | 70.2812% | 4,049 |
| Net loans and leases to core deposits | 71.3623% | 4,611 |
| Total domestic deposits to total assets | 89.5109% | 1,263 |
| Equity capital to assets | 9.0953% | 5,415 |
| Core capital (leverage) ratio | 9.0214% | 4,741 |
| Tier 1 risk-based capital ratio | 12.9263% | 5,134 |
| Total risk-based capital ratio | 13.7797% | 5,410 |
| Memoranda: | ||
| Average total assets | $40,029,200 | 6,675 |
| Average earning assets | $37,706,400 | 6,617 |
| Average equity | $3,579,800 | 6,859 |
| Average total loans | $23,720,400 | 6,478 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1863% | 2,259 |
| Cost of funding earning assets | 0.7974% | 5,172 |
| Net interest margin | 4.3890% | 1,437 |
| Noninterest income to average assets | 0.3953% | 4,701 |
| Noninterest expense to average assets | 2.8569% | 4,116 |
| Loan and lease loss provision to assets | 0.7209% | 1,331 |
| Net operating income to assets | 0.9501% | 2,533 |
| Return on assets (ROA) | 0.9501% | 2,700 |
| Pretax return on assets | 0.9501% | 3,590 |
| Return on Equity (ROE) | 10.6685% | 1,964 |
| Retained earnings to average equity (ytd only) | 10.6685% | 689 |
| Net charge-offs to loans | 0.1484% | 4,584 |
| Credit loss provision to net charge-offs | 834.6154% | 320 |
| Earnings coverage of net charge-offs (x) | 19.3438% | 1,265 |
| Efficiency ratio | 63.0961% | 5,219 |
| Assets per employee ($millions) | 3.8943% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7288% | 6,927 |
| Loan loss allowance to noncurrent loans | 45.4545% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 1.1016% | 4,572 |
| Noncurrent loans to loans | 1.6033% | 3,893 |
| Net loans and leases to total assets | 68.2074% | 2,445 |
| Net loans and leases to deposits | 76.7222% | 3,209 |
| Net loans and leases to core deposits | 77.9287% | 3,919 |
| Total domestic deposits to total assets | 88.9017% | 1,482 |
| Equity capital to assets | 9.7399% | 4,721 |
| Core capital (leverage) ratio | 9.4740% | 4,188 |
| Tier 1 risk-based capital ratio | 12.9647% | 5,121 |
| Total risk-based capital ratio | 13.6454% | 5,572 |
| Memoranda: | ||
| Average total assets | $40,135,750 | 6,724 |
| Average earning assets | $37,790,750 | 6,666 |
| Average equity | $3,574,250 | 6,916 |
| Average total loans | $23,363,750 | 6,563 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2041% | 2,240 |
| Cost of funding earning assets | 0.8228% | 5,228 |
| Net interest margin | 4.3813% | 1,432 |
| Noninterest income to average assets | 0.3947% | 4,722 |
| Noninterest expense to average assets | 2.8125% | 4,377 |
| Loan and lease loss provision to assets | 0.8240% | 1,110 |
| Net operating income to assets | 0.8832% | 2,723 |
| Return on assets (ROA) | 0.8832% | 2,823 |
| Pretax return on assets | 0.8832% | 3,697 |
| Return on Equity (ROE) | 10.2247% | 2,043 |
| Retained earnings to average equity (ytd only) | 10.2247% | 800 |
| Net charge-offs to loans | 0.0180% | 5,585 |
| Credit loss provision to net charge-offs | 8,350.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 209 |
| Efficiency ratio | 62.2271% | 5,555 |
| Assets per employee ($millions) | 3.7038% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6671% | 7,061 |
| Loan loss allowance to noncurrent loans | 44.7090% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 0.9278% | 5,007 |
| Noncurrent loans to loans | 1.4921% | 4,184 |
| Net loans and leases to total assets | 61.7643% | 3,935 |
| Net loans and leases to deposits | 72.5752% | 4,022 |
| Net loans and leases to core deposits | 73.7147% | 4,614 |
| Total domestic deposits to total assets | 85.1038% | 3,832 |
| Equity capital to assets | 8.9735% | 5,618 |
| Core capital (leverage) ratio | 8.9413% | 4,821 |
| Tier 1 risk-based capital ratio | 13.4612% | 4,562 |
| Total risk-based capital ratio | 14.0954% | 5,026 |
| Memoranda: | ||
| Average total assets | $40,533,330 | 6,767 |
| Average earning assets | $38,162,000 | 6,709 |
| Average equity | $3,501,330 | 6,981 |
| Average total loans | $22,232,670 | 6,675 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1448% | 2,454 |
| Cost of funding earning assets | 0.8961% | 4,952 |
| Net interest margin | 4.2486% | 1,750 |
| Noninterest income to average assets | 0.5046% | 3,847 |
| Noninterest expense to average assets | 2.7901% | 4,487 |
| Loan and lease loss provision to assets | 1.6622% | 366 |
| Net operating income to assets | 0.0396% | 6,257 |
| Return on assets (ROA) | 0.0396% | 6,294 |
| Pretax return on assets | 0.0396% | 6,284 |
| Return on Equity (ROE) | 0.4673% | 6,268 |
| Retained earnings to average equity (ytd only) | 0.4673% | 5,634 |
| Net charge-offs to loans | 0.0193% | 4,809 |
| Credit loss provision to net charge-offs | 16,800.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 185 |
| Efficiency ratio | 62.1145% | 5,662 |
| Assets per employee ($millions) | 3.3942% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 6,805 |
| Loan loss allowance to noncurrent loans | 106.2112% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 6,216 |
| Noncurrent loans to loans | 0.8079% | 5,415 |
| Net loans and leases to total assets | 48.5048% | 6,017 |
| Net loans and leases to deposits | 53.6935% | 6,321 |
| Net loans and leases to core deposits | 54.4858% | 6,526 |
| Total domestic deposits to total assets | 90.3364% | 943 |
| Equity capital to assets | 8.4090% | 6,036 |
| Core capital (leverage) ratio | 8.4165% | 5,598 |
| Tier 1 risk-based capital ratio | 16.3391% | 2,733 |
| Total risk-based capital ratio | 17.1529% | 2,926 |
| Memoranda: | ||
| Average total assets | $40,429,000 | 6,817 |
| Average earning assets | $37,941,500 | 6,761 |
| Average equity | $3,424,000 | 7,034 |
| Average total loans | $20,682,500 | 6,805 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2406% | 7,636 |
| Cost of funding earning assets | 0.0687% | 7,596 |
| Net interest margin | 0.1718% | 7,634 |
| Noninterest income to average assets | 0.6951% | 2,865 |
| Noninterest expense to average assets | 0.2209% | 7,637 |
| Loan and lease loss provision to assets | 0.0099% | 6,986 |
| Net operating income to assets | 0.6256% | 3,558 |
| Return on assets (ROA) | 0.6256% | 3,721 |
| Pretax return on assets | 0.6256% | 4,241 |
| Return on Equity (ROE) | 6.2398% | 3,487 |
| Retained earnings to average equity (ytd only) | 6.2398% | 1,697 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.7971% | 7,604 |
| Assets per employee ($millions) | 3.3440% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0187% | 7,573 |
| Loan loss allowance to noncurrent loans | 1.4493% | 7,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6878% | 5,627 |
| Noncurrent loans to loans | 1.2874% | 4,560 |
| Net loans and leases to total assets | 53.4141% | 5,714 |
| Net loans and leases to deposits | 58.6670% | 6,193 |
| Net loans and leases to core deposits | 59.6964% | 6,417 |
| Total domestic deposits to total assets | 91.0462% | 580 |
| Equity capital to assets | 8.5302% | 5,812 |
| Core capital (leverage) ratio | 8.6377% | 5,130 |
| Tier 1 risk-based capital ratio | 15.4029% | 3,042 |
| Total risk-based capital ratio | 15.4209% | 3,714 |
| Memoranda: | ||
| Average total assets | $40,280,800 | 6,858 |
| Average earning assets | $37,828,000 | 6,800 |
| Average equity | $4,038,600 | 6,985 |
| Average total loans | $22,902,400 | 6,781 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 5,387 |
| Cost of funding earning assets | 1.3606% | 3,831 |
| Net interest margin | 3.5122% | 5,242 |
| Noninterest income to average assets | 0.1389% | 6,857 |
| Noninterest expense to average assets | 3.0027% | 3,733 |
| Loan and lease loss provision to assets | 0.2017% | 5,034 |
| Net operating income to assets | 0.2194% | 5,450 |
| Return on assets (ROA) | 1.6997% | 678 |
| Pretax return on assets | 1.9015% | 770 |
| Return on Equity (ROE) | 16.3463% | 670 |
| Retained earnings to average equity (ytd only) | 14.9152% | 217 |
| Net charge-offs to loans | -0.2464% | 7,637 |
| Credit loss provision to net charge-offs | -141.8605% | 6,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2238% | 1,511 |
| Assets per employee ($millions) | 3.2576% | 5,562 |
| Cash dividends to net income (ytd only)* | 8.7550% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6968% | 471 |
| Loan loss allowance to noncurrent loans | 270.4319% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.7700% | 5,564 |
| Noncurrent loans to loans | 1.3670% | 4,573 |
| Net loans and leases to total assets | 54.2452% | 5,813 |
| Net loans and leases to deposits | 61.1659% | 6,199 |
| Net loans and leases to core deposits | 62.2962% | 6,432 |
| Total domestic deposits to total assets | 88.6854% | 1,571 |
| Equity capital to assets | 10.8439% | 3,122 |
| Core capital (leverage) ratio | 10.6205% | 2,578 |
| Tier 1 risk-based capital ratio | 17.8381% | 2,063 |
| Total risk-based capital ratio | 19.1098% | 2,022 |
| Memoranda: | ||
| Average total assets | $40,319,000 | 6,934 |
| Average earning assets | $37,924,500 | 6,879 |
| Average equity | $4,192,500 | 7,015 |
| Average total loans | $23,268,500 | 6,851 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0485% | 4,710 |
| Cost of funding earning assets | 1.4223% | 3,734 |
| Net interest margin | 3.6261% | 4,705 |
| Noninterest income to average assets | 0.1228% | 6,983 |
| Noninterest expense to average assets | 2.9562% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8250% | 2,848 |
| Return on assets (ROA) | 1.6352% | 724 |
| Pretax return on assets | 1.3946% | 1,853 |
| Return on Equity (ROE) | 15.9445% | 708 |
| Retained earnings to average equity (ytd only) | 14.9868% | 245 |
| Net charge-offs to loans | -0.1773% | 7,631 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4951% | 1,982 |
| Assets per employee ($millions) | 3.3069% | 5,416 |
| Cash dividends to net income (ytd only)* | 6.0060% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0207% | 803 |
| Loan loss allowance to noncurrent loans | 332.2727% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.5544% | 6,088 |
| Noncurrent loans to loans | 0.9091% | 5,462 |
| Net loans and leases to total assets | 59.1412% | 5,221 |
| Net loans and leases to deposits | 66.6676% | 5,724 |
| Net loans and leases to core deposits | 67.8805% | 6,063 |
| Total domestic deposits to total assets | 88.7105% | 1,594 |
| Equity capital to assets | 10.8661% | 3,004 |
| Core capital (leverage) ratio | 9.9386% | 3,231 |
| Tier 1 risk-based capital ratio | 16.1036% | 2,627 |
| Total risk-based capital ratio | 17.3725% | 2,583 |
| Memoranda: | ||
| Average total assets | $40,728,330 | 6,971 |
| Average earning assets | $38,388,000 | 6,914 |
| Average equity | $4,177,000 | 7,050 |
| Average total loans | $23,685,000 | 6,883 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 4,634 |
| Cost of funding earning assets | 1.4599% | 3,808 |
| Net interest margin | 3.6190% | 4,634 |
| Noninterest income to average assets | 0.1164% | 7,111 |
| Noninterest expense to average assets | 2.9090% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4073% | 4,805 |
| Return on assets (ROA) | 0.4073% | 4,952 |
| Pretax return on assets | 0.6206% | 4,526 |
| Return on Equity (ROE) | 4.0881% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.0881% | 3,698 |
| Net charge-offs to loans | -0.4951% | 7,797 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4176% | 2,220 |
| Assets per employee ($millions) | 3.4818% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3516% | 604 |
| Loan loss allowance to noncurrent loans | 285.3282% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 5,967 |
| Noncurrent loans to loans | 1.1747% | 5,014 |
| Net loans and leases to total assets | 51.0028% | 6,376 |
| Net loans and leases to deposits | 56.9451% | 6,703 |
| Net loans and leases to core deposits | 57.9139% | 6,885 |
| Total domestic deposits to total assets | 89.5649% | 1,199 |
| Equity capital to assets | 9.9110% | 3,974 |
| Core capital (leverage) ratio | 9.2185% | 4,190 |
| Tier 1 risk-based capital ratio | 15.0319% | 3,110 |
| Total risk-based capital ratio | 16.3011% | 3,051 |
| Memoranda: | ||
| Average total assets | $41,251,000 | 7,047 |
| Average earning assets | $38,906,000 | 6,977 |
| Average equity | $4,109,500 | 7,139 |
| Average total loans | $23,427,500 | 6,974 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7177% | 3,016 |
| Cost of funding earning assets | 1.7434% | 4,283 |
| Net interest margin | 3.9743% | 2,971 |
| Noninterest income to average assets | 0.1413% | 7,035 |
| Noninterest expense to average assets | 3.2118% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4581% | 3,898 |
| Return on assets (ROA) | 0.4581% | 4,020 |
| Pretax return on assets | 0.6848% | 3,626 |
| Return on Equity (ROE) | 4.6315% | 3,828 |
| Retained earnings to average equity (ytd only) | 1.1825% | 4,215 |
| Net charge-offs to loans | 0.2673% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 4.3906% | 2,967 |
| Efficiency ratio | 82.4265% | 2,553 |
| Assets per employee ($millions) | 3.3933% | 5,276 |
| Cash dividends to net income (ytd only)* | 74.4681% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8622% | 872 |
| Loan loss allowance to noncurrent loans | 341.3462% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.5108% | 6,177 |
| Noncurrent loans to loans | 0.8385% | 5,616 |
| Net loans and leases to total assets | 59.1749% | 5,467 |
| Net loans and leases to deposits | 67.6493% | 5,874 |
| Net loans and leases to core deposits | 78.4733% | 6,227 |
| Total domestic deposits to total assets | 87.4730% | 2,234 |
| Equity capital to assets | 10.0147% | 3,742 |
| Core capital (leverage) ratio | 8.7838% | 4,788 |
| Tier 1 risk-based capital ratio | 13.2506% | 3,985 |
| Total risk-based capital ratio | 14.5175% | 3,914 |
| Memoranda: | ||
| Average total assets | $41,036,800 | 7,052 |
| Average earning assets | $38,774,000 | 6,990 |
| Average equity | $4,059,200 | 7,263 |
| Average total loans | $23,943,000 | 6,978 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6907% | 3,389 |
| Cost of funding earning assets | 1.7758% | 4,502 |
| Net interest margin | 3.9149% | 3,179 |
| Noninterest income to average assets | 0.1492% | 7,115 |
| Noninterest expense to average assets | 2.9412% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5740% | 3,711 |
| Return on assets (ROA) | 0.5740% | 3,780 |
| Pretax return on assets | 0.9112% | 3,191 |
| Return on Equity (ROE) | 5.8204% | 3,596 |
| Retained earnings to average equity (ytd only) | 5.1629% | 2,394 |
| Net charge-offs to loans | 0.4383% | 3,489 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 3.6025% | 3,463 |
| Efficiency ratio | 76.3468% | 3,444 |
| Assets per employee ($millions) | 3.5244% | 4,867 |
| Cash dividends to net income (ytd only)* | 11.3013% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7015% | 883 |
| Loan loss allowance to noncurrent loans | 212.8440% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.7732% | 5,582 |
| Noncurrent loans to loans | 1.2693% | 4,820 |
| Net loans and leases to total assets | 59.2699% | 5,699 |
| Net loans and leases to deposits | 75.6101% | 5,108 |
| Net loans and leases to core deposits | 89.0574% | 5,523 |
| Total domestic deposits to total assets | 78.3889% | 5,981 |
| Equity capital to assets | 10.0158% | 4,068 |
| Core capital (leverage) ratio | 8.9620% | 4,702 |
| Tier 1 risk-based capital ratio | 13.1107% | 4,114 |
| Total risk-based capital ratio | 14.3761% | 4,039 |
| Memoranda: | ||
| Average total assets | $41,116,000 | 7,101 |
| Average earning assets | $38,892,750 | 7,038 |
| Average equity | $4,054,500 | 7,337 |
| Average total loans | $23,727,250 | 7,050 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6472% | 3,829 |
| Cost of funding earning assets | 1.8165% | 4,679 |
| Net interest margin | 3.8307% | 3,411 |
| Noninterest income to average assets | 0.1277% | 7,333 |
| Noninterest expense to average assets | 2.8828% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5402% | 3,934 |
| Return on assets (ROA) | 0.5402% | 4,043 |
| Pretax return on assets | 0.8595% | 3,476 |
| Return on Equity (ROE) | 5.5083% | 3,864 |
| Retained earnings to average equity (ytd only) | 5.5083% | 2,246 |
| Net charge-offs to loans | 0.9458% | 1,835 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.6055% | 4,340 |
| Efficiency ratio | 77.0341% | 3,508 |
| Assets per employee ($millions) | 3.6915% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7624% | 702 |
| Loan loss allowance to noncurrent loans | 207.8125% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.7880% | 5,426 |
| Noncurrent loans to loans | 1.3293% | 4,556 |
| Net loans and leases to total assets | 57.6452% | 6,014 |
| Net loans and leases to deposits | 71.1057% | 5,859 |
| Net loans and leases to core deposits | 83.6299% | 6,114 |
| Total domestic deposits to total assets | 81.0698% | 5,057 |
| Equity capital to assets | 10.0131% | 3,918 |
| Core capital (leverage) ratio | 9.4855% | 3,909 |
| Tier 1 risk-based capital ratio | 13.6677% | 3,711 |
| Total risk-based capital ratio | 14.9327% | 3,632 |
| Memoranda: | ||
| Average total assets | $40,723,670 | 7,176 |
| Average earning assets | $38,426,330 | 7,114 |
| Average equity | $3,994,000 | 7,420 |
| Average total loans | $23,048,670 | 7,145 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6986% | 3,814 |
| Cost of funding earning assets | 1.8682% | 4,797 |
| Net interest margin | 3.8304% | 3,337 |
| Noninterest income to average assets | 0.1177% | 7,435 |
| Noninterest expense to average assets | 2.7071% | 4,970 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6375% | 3,851 |
| Return on assets (ROA) | 0.6375% | 4,034 |
| Pretax return on assets | 1.0102% | 3,314 |
| Return on Equity (ROE) | 6.5690% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.5690% | 2,388 |
| Net charge-offs to loans | 2.4316% | 587 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.7518% | 4,422 |
| Efficiency ratio | 72.8232% | 4,031 |
| Assets per employee ($millions) | 3.2444% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0016% | 477 |
| Loan loss allowance to noncurrent loans | 163.3333% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 4,694 |
| Noncurrent loans to loans | 1.8377% | 3,509 |
| Net loans and leases to total assets | 52.8729% | 6,594 |
| Net loans and leases to deposits | 61.4056% | 6,775 |
| Net loans and leases to core deposits | 72.1243% | 6,908 |
| Total domestic deposits to total assets | 86.1043% | 2,658 |
| Equity capital to assets | 10.3563% | 3,604 |
| Core capital (leverage) ratio | 9.1458% | 4,489 |
| Tier 1 risk-based capital ratio | 14.8499% | 3,137 |
| Total risk-based capital ratio | 16.1160% | 3,057 |
| Memoranda: | ||
| Average total assets | $40,782,000 | 7,216 |
| Average earning assets | $38,325,000 | 7,153 |
| Average equity | $3,958,000 | 7,471 |
| Average total loans | $22,536,500 | 7,213 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1727% | 4,651 |
| Cost of funding earning assets | 2.8157% | 2,645 |
| Net interest margin | 3.3570% | 5,837 |
| Noninterest income to average assets | 0.1632% | 7,255 |
| Noninterest expense to average assets | 3.5186% | 2,346 |
| Loan and lease loss provision to assets | -1.2363% | 8,305 |
| Net operating income to assets | 0.6635% | 4,047 |
| Return on assets (ROA) | 0.6651% | 3,892 |
| Pretax return on assets | 1.0113% | 3,338 |
| Return on Equity (ROE) | 7.4346% | 3,309 |
| Retained earnings to average equity (ytd only) | 5.5000% | 1,766 |
| Net charge-offs to loans | -2.4659% | 8,242 |
| Credit loss provision to net charge-offs | 89.6057% | 5,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9121% | 787 |
| Assets per employee ($millions) | 3.5526% | 4,539 |
| Cash dividends to net income (ytd only)* | 26.0223% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2451% | 351 |
| Loan loss allowance to noncurrent loans | 136.5079% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.3300% | 3,553 |
| Noncurrent loans to loans | 2.3773% | 2,315 |
| Net loans and leases to total assets | 54.1320% | 6,637 |
| Net loans and leases to deposits | 71.7256% | 6,089 |
| Net loans and leases to core deposits | 81.9001% | 6,469 |
| Total domestic deposits to total assets | 75.4709% | 6,348 |
| Equity capital to assets | 9.1107% | 5,210 |
| Core capital (leverage) ratio | 8.5428% | 5,492 |
| Tier 1 risk-based capital ratio | 13.0728% | 4,073 |
| Total risk-based capital ratio | 14.3423% | 3,970 |
| Memoranda: | ||
| Average total assets | $40,442,600 | 7,195 |
| Average earning assets | $37,682,200 | 7,164 |
| Average equity | $3,618,200 | 7,644 |
| Average total loans | $22,628,400 | 7,157 |