Home > First Guaranty Bank > Performance and Condition Ratios
First Guaranty 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 | 3.3204% | 5,069 |
| Cost of funding earning assets | 0.2430% | 4,594 |
| Net interest margin | 3.0775% | 4,716 |
| Noninterest income to average assets | 0.3595% | 3,962 |
| Noninterest expense to average assets | 3.1101% | 1,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1087% | 5,501 |
| Return on assets (ROA) | 0.1087% | 5,506 |
| Pretax return on assets | 0.1087% | 5,504 |
| Return on Equity (ROE) | 0.9830% | 5,498 |
| Retained earnings to average equity (ytd only) | -4.0076% | 5,330 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6234% | 300 |
| Assets per employee ($millions) | 2.6470% | 5,578 |
| Cash dividends to net income (ytd only)* | 507.6923% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 2,256 |
| Loan loss allowance to noncurrent loans | 27.4802% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 2.1471% | 589 |
| Noncurrent loans to loans | 4.9523% | 166 |
| Net loans and leases to total assets | 42.1378% | 5,154 |
| Net loans and leases to deposits | 48.4940% | 5,195 |
| Net loans and leases to core deposits | 49.2071% | 5,258 |
| Total domestic deposits to total assets | 86.8929% | 2,271 |
| Equity capital to assets | 11.0565% | 2,577 |
| Core capital (leverage) ratio | 10.9963% | 2,362 |
| Tier 1 risk-based capital ratio | 26.9366% | 629 |
| Total risk-based capital ratio | 28.1894% | 620 |
| Memoranda: | ||
| Average total assets | $47,844,000 | 5,357 |
| Average earning assets | $44,452,000 | 5,336 |
| Average equity | $5,290,000 | 5,361 |
| Average total loans | $20,666,500 | 5,443 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2996% | 5,160 |
| Cost of funding earning assets | 0.2614% | 4,450 |
| Net interest margin | 3.0383% | 4,879 |
| Noninterest income to average assets | 0.5233% | 3,079 |
| Noninterest expense to average assets | 2.7370% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5937% | 4,237 |
| Return on assets (ROA) | 0.5937% | 4,344 |
| Pretax return on assets | 0.5937% | 4,805 |
| Return on Equity (ROE) | 4.7336% | 4,547 |
| Retained earnings to average equity (ytd only) | -78.0167% | 5,908 |
| Net charge-offs to loans | 0.0960% | 2,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 14.0476% | 2,321 |
| Efficiency ratio | 82.1752% | 1,183 |
| Assets per employee ($millions) | 2.6690% | 5,578 |
| Cash dividends to net income (ytd only)* | 1,748.1356% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 2,427 |
| Loan loss allowance to noncurrent loans | 27.4257% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 2.1335% | 625 |
| Noncurrent loans to loans | 4.8143% | 171 |
| Net loans and leases to total assets | 43.0915% | 5,173 |
| Net loans and leases to deposits | 49.6987% | 5,225 |
| Net loans and leases to core deposits | 50.4250% | 5,289 |
| Total domestic deposits to total assets | 86.7054% | 2,288 |
| Equity capital to assets | 11.0570% | 2,582 |
| Core capital (leverage) ratio | 11.0338% | 2,309 |
| Tier 1 risk-based capital ratio | 26.9850% | 615 |
| Total risk-based capital ratio | 28.2347% | 607 |
| Memoranda: | ||
| Average total assets | $49,689,000 | 5,351 |
| Average earning assets | $45,914,200 | 5,333 |
| Average equity | $6,232,000 | 5,243 |
| Average total loans | $21,873,600 | 5,452 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3021% | 5,215 |
| Cost of funding earning assets | 0.2596% | 4,511 |
| Net interest margin | 3.0425% | 4,919 |
| Noninterest income to average assets | 0.3673% | 4,149 |
| Noninterest expense to average assets | 2.7411% | 3,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4338% | 4,923 |
| Return on assets (ROA) | 0.4338% | 5,007 |
| Pretax return on assets | 0.4338% | 5,254 |
| Return on Equity (ROE) | 3.3632% | 5,121 |
| Retained earnings to average equity (ytd only) | -102.5662% | 5,979 |
| Net charge-offs to loans | 0.0965% | 1,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 10.1889% | 2,603 |
| Efficiency ratio | 86.3370% | 798 |
| Assets per employee ($millions) | 2.6504% | 5,643 |
| Cash dividends to net income (ytd only)* | 3,149.6618% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 2,398 |
| Loan loss allowance to noncurrent loans | 28.4848% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 2.2429% | 645 |
| Noncurrent loans to loans | 4.7658% | 189 |
| Net loans and leases to total assets | 42.9518% | 5,256 |
| Net loans and leases to deposits | 49.5826% | 5,319 |
| Net loans and leases to core deposits | 50.3118% | 5,375 |
| Total domestic deposits to total assets | 86.6267% | 2,070 |
| Equity capital to assets | 10.9774% | 3,032 |
| Core capital (leverage) ratio | 10.8142% | 2,668 |
| Tier 1 risk-based capital ratio | 26.8619% | 650 |
| Total risk-based capital ratio | 28.1135% | 634 |
| Memoranda: | ||
| Average total assets | $50,100,750 | 5,396 |
| Average earning assets | $46,232,250 | 5,379 |
| Average equity | $6,462,000 | 5,248 |
| Average total loans | $22,097,250 | 5,496 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2984% | 5,289 |
| Cost of funding earning assets | 0.2600% | 4,547 |
| Net interest margin | 3.0385% | 4,998 |
| Noninterest income to average assets | 0.3615% | 4,177 |
| Noninterest expense to average assets | 2.7034% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4597% | 4,838 |
| Return on assets (ROA) | 0.4597% | 4,923 |
| Pretax return on assets | 0.4597% | 5,222 |
| Return on Equity (ROE) | 3.4059% | 5,121 |
| Retained earnings to average equity (ytd only) | -145.0003% | 6,055 |
| Net charge-offs to loans | 0.0976% | 1,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 10.6364% | 2,318 |
| Efficiency ratio | 85.4658% | 927 |
| Assets per employee ($millions) | 2.7435% | 5,650 |
| Cash dividends to net income (ytd only)* | 4,357.2650% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 2,657 |
| Loan loss allowance to noncurrent loans | 28.3317% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 2.2842% | 656 |
| Noncurrent loans to loans | 4.6697% | 204 |
| Net loans and leases to total assets | 43.3469% | 5,266 |
| Net loans and leases to deposits | 49.7872% | 5,345 |
| Net loans and leases to core deposits | 50.0877% | 5,429 |
| Total domestic deposits to total assets | 87.0644% | 1,887 |
| Equity capital to assets | 10.5927% | 3,533 |
| Core capital (leverage) ratio | 10.5201% | 2,951 |
| Tier 1 risk-based capital ratio | 26.5156% | 688 |
| Total risk-based capital ratio | 27.7676% | 669 |
| Memoranda: | ||
| Average total assets | $50,898,670 | 5,440 |
| Average earning assets | $46,931,670 | 5,424 |
| Average equity | $6,870,330 | 5,221 |
| Average total loans | $22,538,670 | 5,548 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2506% | 5,412 |
| Cost of funding earning assets | 0.2513% | 4,690 |
| Net interest margin | 2.9993% | 5,121 |
| Noninterest income to average assets | 0.3717% | 4,065 |
| Noninterest expense to average assets | 2.8031% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3407% | 5,176 |
| Return on assets (ROA) | 0.3407% | 5,263 |
| Pretax return on assets | 0.3407% | 5,426 |
| Return on Equity (ROE) | 2.2887% | 5,437 |
| Retained earnings to average equity (ytd only) | -261.7425% | 6,120 |
| Net charge-offs to loans | -0.1045% | 5,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1626% | 730 |
| Assets per employee ($millions) | 2.8391% | 5,656 |
| Cash dividends to net income (ytd only)* | 11,536.3636% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 2,705 |
| Loan loss allowance to noncurrent loans | 27.1671% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 2.3502% | 663 |
| Noncurrent loans to loans | 4.9336% | 196 |
| Net loans and leases to total assets | 43.7880% | 5,254 |
| Net loans and leases to deposits | 50.0369% | 5,336 |
| Net loans and leases to core deposits | 50.3272% | 5,430 |
| Total domestic deposits to total assets | 87.5115% | 1,916 |
| Equity capital to assets | 10.1247% | 3,922 |
| Core capital (leverage) ratio | 9.9609% | 3,587 |
| Tier 1 risk-based capital ratio | 23.4883% | 965 |
| Total risk-based capital ratio | 24.7412% | 957 |
| Memoranda: | ||
| Average total assets | $51,656,500 | 5,476 |
| Average earning assets | $47,745,000 | 5,453 |
| Average equity | $7,690,000 | 5,111 |
| Average total loans | $22,961,500 | 5,587 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 5,177 |
| Cost of funding earning assets | 0.2875% | 4,393 |
| Net interest margin | 3.1053% | 4,886 |
| Noninterest income to average assets | 0.3887% | 4,119 |
| Noninterest expense to average assets | 2.6700% | 3,691 |
| Loan and lease loss provision to assets | 0.0976% | 2,361 |
| Net operating income to assets | 0.5013% | 4,692 |
| Return on assets (ROA) | 0.5013% | 4,785 |
| Pretax return on assets | 0.5013% | 5,113 |
| Return on Equity (ROE) | 2.6217% | 5,420 |
| Retained earnings to average equity (ytd only) | 0.7463% | 5,218 |
| Net charge-offs to loans | 0.2293% | 1,299 |
| Credit loss provision to net charge-offs | 94.5455% | 2,667 |
| Earnings coverage of net charge-offs (x) | 5.8000% | 3,326 |
| Efficiency ratio | 81.6772% | 1,448 |
| Assets per employee ($millions) | 2.9006% | 5,613 |
| Cash dividends to net income (ytd only)* | 71.5356% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 3,005 |
| Loan loss allowance to noncurrent loans | 103.1142% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 2,923 |
| Noncurrent loans to loans | 1.2434% | 1,900 |
| Net loans and leases to total assets | 43.9456% | 5,282 |
| Net loans and leases to deposits | 56.3832% | 5,021 |
| Net loans and leases to core deposits | 56.7415% | 5,166 |
| Total domestic deposits to total assets | 77.9410% | 5,177 |
| Equity capital to assets | 19.5480% | 223 |
| Core capital (leverage) ratio | 19.5829% | 213 |
| Tier 1 risk-based capital ratio | 50.2684% | 125 |
| Total risk-based capital ratio | 51.5195% | 124 |
| Memoranda: | ||
| Average total assets | $53,258,200 | 5,479 |
| Average earning assets | $49,399,000 | 5,451 |
| Average equity | $10,184,200 | 4,626 |
| Average total loans | $23,983,600 | 5,586 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3954% | 5,216 |
| Cost of funding earning assets | 0.2948% | 4,397 |
| Net interest margin | 3.1007% | 4,967 |
| Noninterest income to average assets | 0.3637% | 4,327 |
| Noninterest expense to average assets | 2.6606% | 3,682 |
| Loan and lease loss provision to assets | 0.1096% | 2,052 |
| Net operating income to assets | 0.4758% | 4,872 |
| Return on assets (ROA) | 0.4758% | 4,973 |
| Pretax return on assets | 0.4758% | 5,279 |
| Return on Equity (ROE) | 2.5019% | 5,553 |
| Retained earnings to average equity (ytd only) | 0.6025% | 5,437 |
| Net charge-offs to loans | 0.2372% | 1,109 |
| Credit loss provision to net charge-offs | 102.3256% | 2,217 |
| Earnings coverage of net charge-offs (x) | 5.4654% | 3,199 |
| Efficiency ratio | 81.9647% | 1,400 |
| Assets per employee ($millions) | 3.0456% | 5,494 |
| Cash dividends to net income (ytd only)* | 75.9169% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 3,092 |
| Loan loss allowance to noncurrent loans | 83.8889% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 0.9367% | 2,516 |
| Noncurrent loans to loans | 1.5494% | 1,612 |
| Net loans and leases to total assets | 44.2936% | 5,342 |
| Net loans and leases to deposits | 57.0047% | 5,073 |
| Net loans and leases to core deposits | 57.3712% | 5,229 |
| Total domestic deposits to total assets | 77.7016% | 5,235 |
| Equity capital to assets | 19.6543% | 250 |
| Core capital (leverage) ratio | 19.3563% | 227 |
| Tier 1 risk-based capital ratio | 49.9902% | 135 |
| Total risk-based capital ratio | 51.2429% | 135 |
| Memoranda: | ||
| Average total assets | $53,520,250 | 5,542 |
| Average earning assets | $49,751,750 | 5,511 |
| Average equity | $10,178,750 | 4,683 |
| Average total loans | $24,169,000 | 5,653 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4347% | 5,147 |
| Cost of funding earning assets | 0.2978% | 4,422 |
| Net interest margin | 3.1369% | 4,863 |
| Noninterest income to average assets | 0.3364% | 4,552 |
| Noninterest expense to average assets | 2.6395% | 3,778 |
| Loan and lease loss provision to assets | 0.0776% | 2,572 |
| Net operating income to assets | 0.5397% | 4,609 |
| Return on assets (ROA) | 0.5397% | 4,716 |
| Pretax return on assets | 0.5397% | 5,120 |
| Return on Equity (ROE) | 2.8685% | 5,444 |
| Retained earnings to average equity (ytd only) | 1.9647% | 4,718 |
| Net charge-offs to loans | 0.1552% | 1,547 |
| Credit loss provision to net charge-offs | 110.5263% | 1,918 |
| Earnings coverage of net charge-offs (x) | 8.7895% | 2,530 |
| Efficiency ratio | 81.0443% | 1,619 |
| Assets per employee ($millions) | 3.5505% | 4,712 |
| Cash dividends to net income (ytd only)* | 31.5068% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 3,334 |
| Loan loss allowance to noncurrent loans | 84.4011% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.0477% | 2,410 |
| Noncurrent loans to loans | 1.5203% | 1,747 |
| Net loans and leases to total assets | 43.7681% | 5,392 |
| Net loans and leases to deposits | 55.9825% | 5,118 |
| Net loans and leases to core deposits | 57.3700% | 5,230 |
| Total domestic deposits to total assets | 78.1817% | 5,241 |
| Equity capital to assets | 19.2084% | 257 |
| Core capital (leverage) ratio | 18.9161% | 239 |
| Tier 1 risk-based capital ratio | 49.5112% | 150 |
| Total risk-based capital ratio | 50.7647% | 148 |
| Memoranda: | ||
| Average total assets | $54,102,000 | 5,577 |
| Average earning assets | $50,368,330 | 5,552 |
| Average equity | $10,179,670 | 4,705 |
| Average total loans | $24,480,330 | 5,686 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3545% | 5,315 |
| Cost of funding earning assets | 0.2985% | 4,457 |
| Net interest margin | 3.0560% | 5,070 |
| Noninterest income to average assets | 0.3008% | 4,767 |
| Noninterest expense to average assets | 2.6997% | 3,589 |
| Loan and lease loss provision to assets | 0.0954% | 2,093 |
| Net operating income to assets | 0.3595% | 5,224 |
| Return on assets (ROA) | 0.3595% | 5,339 |
| Pretax return on assets | 0.3595% | 5,517 |
| Return on Equity (ROE) | 1.9302% | 5,705 |
| Retained earnings to average equity (ytd only) | 1.9302% | 4,700 |
| Net charge-offs to loans | 0.1445% | 1,375 |
| Credit loss provision to net charge-offs | 144.4444% | 1,279 |
| Earnings coverage of net charge-offs (x) | 6.8889% | 2,235 |
| Efficiency ratio | 85.5814% | 1,218 |
| Assets per employee ($millions) | 3.3876% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 3,903 |
| Loan loss allowance to noncurrent loans | 79.2208% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.0793% | 2,455 |
| Noncurrent loans to loans | 1.5301% | 1,837 |
| Net loans and leases to total assets | 45.8589% | 5,212 |
| Net loans and leases to deposits | 58.6766% | 4,865 |
| Net loans and leases to core deposits | 60.1054% | 4,988 |
| Total domestic deposits to total assets | 78.1554% | 5,413 |
| Equity capital to assets | 18.7801% | 274 |
| Core capital (leverage) ratio | 18.6210% | 256 |
| Tier 1 risk-based capital ratio | 46.3525% | 177 |
| Total risk-based capital ratio | 47.6047% | 174 |
| Memoranda: | ||
| Average total assets | $54,524,000 | 5,625 |
| Average earning assets | $50,917,000 | 5,594 |
| Average equity | $10,154,500 | 4,747 |
| Average total loans | $24,914,000 | 5,718 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2850% | 5,721 |
| Cost of funding earning assets | 0.3008% | 4,791 |
| Net interest margin | 2.9841% | 5,476 |
| Noninterest income to average assets | 0.3467% | 4,623 |
| Noninterest expense to average assets | 2.2625% | 5,212 |
| Loan and lease loss provision to assets | 0.0607% | 3,312 |
| Net operating income to assets | 0.8096% | 3,328 |
| Return on assets (ROA) | 0.8096% | 3,414 |
| Pretax return on assets | 0.8096% | 4,221 |
| Return on Equity (ROE) | 4.6022% | 4,842 |
| Retained earnings to average equity (ytd only) | 0.0690% | 5,738 |
| Net charge-offs to loans | 0.1331% | 2,687 |
| Credit loss provision to net charge-offs | 102.9412% | 2,323 |
| Earnings coverage of net charge-offs (x) | 14.7647% | 2,132 |
| Efficiency ratio | 72.2191% | 3,167 |
| Assets per employee ($millions) | 3.6565% | 4,616 |
| Cash dividends to net income (ytd only)* | 98.5011% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 3,882 |
| Loan loss allowance to noncurrent loans | 60.4418% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 1.2836% | 2,194 |
| Noncurrent loans to loans | 2.0189% | 1,370 |
| Net loans and leases to total assets | 44.4254% | 5,439 |
| Net loans and leases to deposits | 57.2120% | 5,111 |
| Net loans and leases to core deposits | 58.5961% | 5,225 |
| Total domestic deposits to total assets | 77.6506% | 5,499 |
| Equity capital to assets | 18.4696% | 290 |
| Core capital (leverage) ratio | 17.9900% | 291 |
| Tier 1 risk-based capital ratio | 46.8483% | 154 |
| Total risk-based capital ratio | 48.1016% | 154 |
| Memoranda: | ||
| Average total assets | $57,680,200 | 5,608 |
| Average earning assets | $53,851,200 | 5,571 |
| Average equity | $10,147,400 | 4,727 |
| Average total loans | $25,551,000 | 5,758 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2377% | 5,859 |
| Cost of funding earning assets | 0.3008% | 4,881 |
| Net interest margin | 2.9369% | 5,620 |
| Noninterest income to average assets | 0.3768% | 4,420 |
| Noninterest expense to average assets | 2.3018% | 5,098 |
| Loan and lease loss provision to assets | 0.0731% | 2,879 |
| Net operating income to assets | 0.7444% | 3,700 |
| Return on assets (ROA) | 0.7444% | 3,799 |
| Pretax return on assets | 0.7444% | 4,543 |
| Return on Equity (ROE) | 4.2816% | 5,046 |
| Retained earnings to average equity (ytd only) | 1.3922% | 5,345 |
| Net charge-offs to loans | 0.1656% | 2,138 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 11.1863% | 2,454 |
| Efficiency ratio | 73.7921% | 2,852 |
| Assets per employee ($millions) | 3.7433% | 4,412 |
| Cash dividends to net income (ytd only)* | 67.4849% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 4,389 |
| Loan loss allowance to noncurrent loans | 58.5938% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.3179% | 2,341 |
| Noncurrent loans to loans | 1.9958% | 1,588 |
| Net loans and leases to total assets | 45.1541% | 5,439 |
| Net loans and leases to deposits | 57.7264% | 5,121 |
| Net loans and leases to core deposits | 59.0796% | 5,258 |
| Total domestic deposits to total assets | 78.2208% | 5,485 |
| Equity capital to assets | 18.2173% | 321 |
| Core capital (leverage) ratio | 17.9525% | 303 |
| Tier 1 risk-based capital ratio | 45.1751% | 178 |
| Total risk-based capital ratio | 46.4249% | 178 |
| Memoranda: | ||
| Average total assets | $58,388,500 | 5,651 |
| Average earning assets | $54,523,250 | 5,625 |
| Average equity | $10,151,750 | 4,756 |
| Average total loans | $25,772,000 | 5,800 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1852% | 5,971 |
| Cost of funding earning assets | 0.3037% | 4,933 |
| Net interest margin | 2.8815% | 5,769 |
| Noninterest income to average assets | 0.3247% | 4,814 |
| Noninterest expense to average assets | 2.2018% | 5,407 |
| Loan and lease loss provision to assets | 0.0372% | 3,549 |
| Net operating income to assets | 0.7813% | 3,420 |
| Return on assets (ROA) | 0.7813% | 3,523 |
| Pretax return on assets | 0.7813% | 4,347 |
| Return on Equity (ROE) | 4.5625% | 4,883 |
| Retained earnings to average equity (ytd only) | 0.2173% | 5,626 |
| Net charge-offs to loans | 0.0852% | 2,836 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,524 |
| Efficiency ratio | 72.9003% | 3,173 |
| Assets per employee ($millions) | 3.0150% | 5,731 |
| Cash dividends to net income (ytd only)* | 95.2381% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 4,762 |
| Loan loss allowance to noncurrent loans | 54.3478% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 1.4000% | 2,337 |
| Noncurrent loans to loans | 2.0802% | 1,609 |
| Net loans and leases to total assets | 45.7991% | 5,381 |
| Net loans and leases to deposits | 57.6160% | 5,075 |
| Net loans and leases to core deposits | 57.6160% | 5,298 |
| Total domestic deposits to total assets | 79.4903% | 5,348 |
| Equity capital to assets | 17.6905% | 348 |
| Core capital (leverage) ratio | 17.5102% | 324 |
| Tier 1 risk-based capital ratio | 43.1363% | 201 |
| Total risk-based capital ratio | 44.3877% | 196 |
| Memoranda: | ||
| Average total assets | $59,134,670 | 5,682 |
| Average earning assets | $55,318,670 | 5,648 |
| Average equity | $10,126,000 | 4,772 |
| Average total loans | $25,811,330 | 5,845 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1022% | 6,118 |
| Cost of funding earning assets | 0.2988% | 5,079 |
| Net interest margin | 2.8033% | 5,926 |
| Noninterest income to average assets | 0.2864% | 5,080 |
| Noninterest expense to average assets | 2.0380% | 5,808 |
| Loan and lease loss provision to assets | 0.0266% | 3,482 |
| Net operating income to assets | 0.8458% | 2,922 |
| Return on assets (ROA) | 0.8458% | 2,999 |
| Pretax return on assets | 0.8458% | 3,919 |
| Return on Equity (ROE) | 5.0188% | 4,544 |
| Retained earnings to average equity (ytd only) | -0.0790% | 5,565 |
| Net charge-offs to loans | 0.0629% | 2,533 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 32.7500% | 995 |
| Efficiency ratio | 70.0229% | 3,838 |
| Assets per employee ($millions) | 3.2174% | 5,499 |
| Cash dividends to net income (ytd only)* | 101.5748% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 4,708 |
| Loan loss allowance to noncurrent loans | 53.1915% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 1.4055% | 2,523 |
| Noncurrent loans to loans | 2.2273% | 1,623 |
| Net loans and leases to total assets | 43.2054% | 5,578 |
| Net loans and leases to deposits | 54.2177% | 5,265 |
| Net loans and leases to core deposits | 54.2177% | 5,482 |
| Total domestic deposits to total assets | 79.6888% | 5,548 |
| Equity capital to assets | 17.4759% | 351 |
| Core capital (leverage) ratio | 16.8613% | 379 |
| Tier 1 risk-based capital ratio | 43.1857% | 194 |
| Total risk-based capital ratio | 44.4359% | 192 |
| Memoranda: | ||
| Average total assets | $60,059,500 | 5,712 |
| Average earning assets | $56,218,500 | 5,658 |
| Average equity | $10,122,000 | 4,791 |
| Average total loans | $25,449,000 | 5,915 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4203% | 5,801 |
| Cost of funding earning assets | 0.3465% | 5,176 |
| Net interest margin | 3.0738% | 5,393 |
| Noninterest income to average assets | 0.3372% | 4,907 |
| Noninterest expense to average assets | 2.0732% | 5,886 |
| Loan and lease loss provision to assets | 0.0384% | 4,348 |
| Net operating income to assets | 1.0984% | 1,942 |
| Return on assets (ROA) | 1.0984% | 2,008 |
| Pretax return on assets | 1.0984% | 2,953 |
| Return on Equity (ROE) | 6.4968% | 3,836 |
| Retained earnings to average equity (ytd only) | 0.0296% | 5,839 |
| Net charge-offs to loans | 0.0881% | 3,975 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 29.6087% | 1,200 |
| Efficiency ratio | 64.5866% | 4,799 |
| Assets per employee ($millions) | 3.4558% | 4,987 |
| Cash dividends to net income (ytd only)* | 99.5441% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 4,795 |
| Loan loss allowance to noncurrent loans | 54.0541% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 1.2941% | 2,837 |
| Noncurrent loans to loans | 2.1700% | 1,807 |
| Net loans and leases to total assets | 40.6334% | 5,917 |
| Net loans and leases to deposits | 51.7919% | 5,639 |
| Net loans and leases to core deposits | 51.7919% | 5,809 |
| Total domestic deposits to total assets | 78.4551% | 5,749 |
| Equity capital to assets | 16.2736% | 491 |
| Core capital (leverage) ratio | 16.5693% | 410 |
| Tier 1 risk-based capital ratio | 44.0073% | 178 |
| Total risk-based capital ratio | 45.2593% | 179 |
| Memoranda: | ||
| Average total assets | $59,906,600 | 5,756 |
| Average earning assets | $55,988,800 | 5,703 |
| Average equity | $10,128,000 | 4,815 |
| Average total loans | $26,117,800 | 5,933 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4458% | 5,791 |
| Cost of funding earning assets | 0.3590% | 5,207 |
| Net interest margin | 3.0868% | 5,356 |
| Noninterest income to average assets | 0.3438% | 4,940 |
| Noninterest expense to average assets | 2.2270% | 5,540 |
| Loan and lease loss provision to assets | 0.0539% | 3,956 |
| Net operating income to assets | 0.9416% | 2,632 |
| Return on assets (ROA) | 0.9416% | 2,740 |
| Pretax return on assets | 0.9416% | 3,718 |
| Return on Equity (ROE) | 5.5152% | 4,463 |
| Retained earnings to average equity (ytd only) | 0.1711% | 5,885 |
| Net charge-offs to loans | 0.1219% | 3,324 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 18.4578% | 1,680 |
| Efficiency ratio | 69.1074% | 3,899 |
| Assets per employee ($millions) | 3.2422% | 5,403 |
| Cash dividends to net income (ytd only)* | 96.8979% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 5,136 |
| Loan loss allowance to noncurrent loans | 69.2841% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.1498% | 3,361 |
| Noncurrent loans to loans | 1.6537% | 2,702 |
| Net loans and leases to total assets | 44.3523% | 5,700 |
| Net loans and leases to deposits | 55.8869% | 5,382 |
| Net loans and leases to core deposits | 55.8869% | 5,634 |
| Total domestic deposits to total assets | 79.3609% | 5,663 |
| Equity capital to assets | 17.3629% | 377 |
| Core capital (leverage) ratio | 17.2603% | 362 |
| Tier 1 risk-based capital ratio | 42.7174% | 207 |
| Total risk-based capital ratio | 43.9695% | 206 |
| Memoranda: | ||
| Average total assets | $59,332,000 | 5,837 |
| Average earning assets | $55,331,000 | 5,779 |
| Average equity | $10,129,250 | 4,862 |
| Average total loans | $26,253,250 | 5,983 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4152% | 5,870 |
| Cost of funding earning assets | 0.3703% | 5,225 |
| Net interest margin | 3.0450% | 5,446 |
| Noninterest income to average assets | 0.3520% | 4,870 |
| Noninterest expense to average assets | 2.1959% | 5,638 |
| Loan and lease loss provision to assets | 0.0603% | 3,800 |
| Net operating income to assets | 0.9354% | 2,639 |
| Return on assets (ROA) | 0.9354% | 2,775 |
| Pretax return on assets | 0.9354% | 3,764 |
| Return on Equity (ROE) | 5.5095% | 4,454 |
| Retained earnings to average equity (ytd only) | 0.3752% | 5,745 |
| Net charge-offs to loans | 0.1370% | 3,006 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,661 |
| Efficiency ratio | 68.8025% | 4,040 |
| Assets per employee ($millions) | 2.9349% | 5,958 |
| Cash dividends to net income (ytd only)* | 93.1900% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 5,244 |
| Loan loss allowance to noncurrent loans | 68.1818% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.1210% | 3,495 |
| Noncurrent loans to loans | 1.6862% | 2,789 |
| Net loans and leases to total assets | 43.9443% | 5,743 |
| Net loans and leases to deposits | 55.2654% | 5,410 |
| Net loans and leases to core deposits | 55.2654% | 5,658 |
| Total domestic deposits to total assets | 79.5151% | 5,711 |
| Equity capital to assets | 17.2735% | 395 |
| Core capital (leverage) ratio | 17.5570% | 319 |
| Tier 1 risk-based capital ratio | 42.8005% | 200 |
| Total risk-based capital ratio | 44.0500% | 200 |
| Memoranda: | ||
| Average total assets | $59,656,000 | 5,861 |
| Average earning assets | $55,633,000 | 5,805 |
| Average equity | $10,128,000 | 4,908 |
| Average total loans | $26,276,330 | 6,010 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3772% | 5,991 |
| Cost of funding earning assets | 0.3776% | 5,305 |
| Net interest margin | 2.9995% | 5,573 |
| Noninterest income to average assets | 0.3525% | 4,858 |
| Noninterest expense to average assets | 2.1019% | 5,911 |
| Loan and lease loss provision to assets | 0.1530% | 2,336 |
| Net operating income to assets | 0.8980% | 2,667 |
| Return on assets (ROA) | 0.8980% | 2,818 |
| Pretax return on assets | 0.8980% | 3,773 |
| Return on Equity (ROE) | 5.3347% | 4,382 |
| Retained earnings to average equity (ytd only) | 0.2371% | 5,707 |
| Net charge-offs to loans | 0.3489% | 1,600 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 6.8696% | 2,152 |
| Efficiency ratio | 66.6667% | 4,542 |
| Assets per employee ($millions) | 2.7705% | 6,324 |
| Cash dividends to net income (ytd only)* | 95.5556% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 5,448 |
| Loan loss allowance to noncurrent loans | 73.7101% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.0399% | 3,857 |
| Noncurrent loans to loans | 1.5445% | 3,233 |
| Net loans and leases to total assets | 44.7758% | 5,582 |
| Net loans and leases to deposits | 56.7585% | 5,165 |
| Net loans and leases to core deposits | 56.7585% | 5,448 |
| Total domestic deposits to total assets | 78.8883% | 5,980 |
| Equity capital to assets | 17.4026% | 380 |
| Core capital (leverage) ratio | 16.9607% | 357 |
| Tier 1 risk-based capital ratio | 42.9626% | 196 |
| Total risk-based capital ratio | 44.2144% | 192 |
| Memoranda: | ||
| Average total assets | $60,135,500 | 5,904 |
| Average earning assets | $56,142,000 | 5,847 |
| Average equity | $10,122,500 | 4,961 |
| Average total loans | $26,367,500 | 6,053 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5233% | 6,334 |
| Cost of funding earning assets | 0.5057% | 5,175 |
| Net interest margin | 3.0176% | 6,012 |
| Noninterest income to average assets | 0.3745% | 4,800 |
| Noninterest expense to average assets | 2.0787% | 6,167 |
| Loan and lease loss provision to assets | 0.0289% | 5,529 |
| Net operating income to assets | 1.0606% | 2,085 |
| Return on assets (ROA) | 1.0606% | 2,274 |
| Pretax return on assets | 1.0606% | 3,317 |
| Return on Equity (ROE) | 6.1592% | 4,080 |
| Retained earnings to average equity (ytd only) | 0.0890% | 5,788 |
| Net charge-offs to loans | 0.0640% | 5,050 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 37.6471% | 847 |
| Efficiency ratio | 65.6099% | 4,579 |
| Assets per employee ($millions) | 2.9567% | 6,076 |
| Cash dividends to net income (ytd only)* | 98.5554% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 5,396 |
| Loan loss allowance to noncurrent loans | 119.5219% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6909% | 4,760 |
| Noncurrent loans to loans | 0.9513% | 4,292 |
| Net loans and leases to total assets | 42.0100% | 6,006 |
| Net loans and leases to deposits | 52.1868% | 5,790 |
| Net loans and leases to core deposits | 52.1868% | 6,004 |
| Total domestic deposits to total assets | 80.4993% | 5,544 |
| Equity capital to assets | 16.2989% | 500 |
| Core capital (leverage) ratio | 16.3511% | 408 |
| Tier 1 risk-based capital ratio | 41.5947% | 207 |
| Total risk-based capital ratio | 42.8278% | 207 |
| Memoranda: | ||
| Average total assets | $58,739,800 | 5,952 |
| Average earning assets | $54,380,800 | 5,917 |
| Average equity | $10,115,000 | 4,961 |
| Average total loans | $26,556,800 | 6,110 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5472% | 6,454 |
| Cost of funding earning assets | 0.5413% | 5,153 |
| Net interest margin | 3.0059% | 6,160 |
| Noninterest income to average assets | 0.3569% | 4,969 |
| Noninterest expense to average assets | 2.1714% | 6,012 |
| Loan and lease loss provision to assets | -0.0046% | 6,948 |
| Net operating income to assets | 0.9648% | 2,687 |
| Return on assets (ROA) | 0.9648% | 2,898 |
| Pretax return on assets | 0.9648% | 3,851 |
| Return on Equity (ROE) | 5.5237% | 4,586 |
| Retained earnings to average equity (ytd only) | 0.0000% | 6,070 |
| Net charge-offs to loans | -0.0100% | 6,365 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3382% | 3,805 |
| Assets per employee ($millions) | 2.6748% | 6,527 |
| Cash dividends to net income (ytd only)* | 100.0000% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 5,570 |
| Loan loss allowance to noncurrent loans | 78.5340% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.2266% | 3,839 |
| Noncurrent loans to loans | 1.4481% | 3,632 |
| Net loans and leases to total assets | 46.4287% | 5,718 |
| Net loans and leases to deposits | 59.5969% | 5,250 |
| Net loans and leases to core deposits | 59.5969% | 5,599 |
| Total domestic deposits to total assets | 77.9046% | 6,098 |
| Equity capital to assets | 18.0007% | 366 |
| Core capital (leverage) ratio | 17.8687% | 305 |
| Tier 1 risk-based capital ratio | 42.5261% | 200 |
| Total risk-based capital ratio | 43.7752% | 199 |
| Memoranda: | ||
| Average total assets | $57,902,250 | 6,044 |
| Average earning assets | $53,449,000 | 6,011 |
| Average equity | $10,113,750 | 5,002 |
| Average total loans | $26,600,000 | 6,187 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5104% | 6,595 |
| Cost of funding earning assets | 0.5586% | 5,243 |
| Net interest margin | 2.9519% | 6,338 |
| Noninterest income to average assets | 0.3488% | 5,048 |
| Noninterest expense to average assets | 2.1067% | 6,220 |
| Loan and lease loss provision to assets | 0.0171% | 5,452 |
| Net operating income to assets | 0.9542% | 2,644 |
| Return on assets (ROA) | 0.9542% | 2,893 |
| Pretax return on assets | 0.9542% | 3,875 |
| Return on Equity (ROE) | 5.5167% | 4,576 |
| Retained earnings to average equity (ytd only) | 0.1186% | 6,000 |
| Net charge-offs to loans | 0.0375% | 4,854 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 56.8000% | 665 |
| Efficiency ratio | 68.4444% | 4,051 |
| Assets per employee ($millions) | 2.6542% | 6,593 |
| Cash dividends to net income (ytd only)* | 97.8495% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 5,603 |
| Loan loss allowance to noncurrent loans | 77.3196% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.2397% | 3,931 |
| Noncurrent loans to loans | 1.4740% | 3,700 |
| Net loans and leases to total assets | 46.6881% | 5,762 |
| Net loans and leases to deposits | 60.0660% | 5,230 |
| Net loans and leases to core deposits | 60.0660% | 5,581 |
| Total domestic deposits to total assets | 77.7279% | 6,210 |
| Equity capital to assets | 18.1510% | 330 |
| Core capital (leverage) ratio | 17.5065% | 325 |
| Tier 1 risk-based capital ratio | 42.7004% | 194 |
| Total risk-based capital ratio | 43.9497% | 191 |
| Memoranda: | ||
| Average total assets | $58,479,670 | 6,061 |
| Average earning assets | $54,067,670 | 6,027 |
| Average equity | $10,114,670 | 5,005 |
| Average total loans | $26,673,670 | 6,225 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4426% | 6,765 |
| Cost of funding earning assets | 0.5978% | 5,152 |
| Net interest margin | 2.8448% | 6,561 |
| Noninterest income to average assets | 0.3408% | 5,128 |
| Noninterest expense to average assets | 1.9916% | 6,478 |
| Loan and lease loss provision to assets | 0.0067% | 5,197 |
| Net operating income to assets | 0.9824% | 2,545 |
| Return on assets (ROA) | 0.9824% | 2,747 |
| Pretax return on assets | 0.9824% | 3,738 |
| Return on Equity (ROE) | 5.8140% | 4,396 |
| Retained earnings to average equity (ytd only) | 0.2769% | 5,897 |
| Net charge-offs to loans | 0.0149% | 4,483 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 247 |
| Efficiency ratio | 66.8161% | 4,395 |
| Assets per employee ($millions) | 3.1476% | 5,870 |
| Cash dividends to net income (ytd only)* | 95.2381% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 5,826 |
| Loan loss allowance to noncurrent loans | 78.1250% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 4,658 |
| Noncurrent loans to loans | 1.4375% | 3,956 |
| Net loans and leases to total assets | 44.1652% | 5,995 |
| Net loans and leases to deposits | 55.7860% | 5,629 |
| Net loans and leases to core deposits | 55.7860% | 5,920 |
| Total domestic deposits to total assets | 79.1690% | 6,037 |
| Equity capital to assets | 16.9150% | 436 |
| Core capital (leverage) ratio | 16.8115% | 376 |
| Tier 1 risk-based capital ratio | 41.5084% | 205 |
| Total risk-based capital ratio | 42.7393% | 201 |
| Memoranda: | ||
| Average total assets | $59,850,500 | 6,071 |
| Average earning assets | $55,539,500 | 6,014 |
| Average equity | $10,113,500 | 5,012 |
| Average total loans | $26,849,000 | 6,259 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5492% | 6,965 |
| Cost of funding earning assets | 0.9119% | 4,034 |
| Net interest margin | 2.6373% | 6,981 |
| Noninterest income to average assets | 0.3315% | 5,162 |
| Noninterest expense to average assets | 1.9622% | 6,742 |
| Loan and lease loss provision to assets | 0.0301% | 6,193 |
| Net operating income to assets | 0.8036% | 3,024 |
| Return on assets (ROA) | 0.8438% | 3,011 |
| Pretax return on assets | 0.8438% | 3,806 |
| Return on Equity (ROE) | 4.9729% | 4,400 |
| Retained earnings to average equity (ytd only) | 0.0395% | 5,819 |
| Net charge-offs to loans | 0.0663% | 5,644 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 896 |
| Efficiency ratio | 70.1796% | 3,907 |
| Assets per employee ($millions) | 3.1524% | 5,804 |
| Cash dividends to net income (ytd only)* | 99.2063% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,771 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 0.9900% | 4,627 |
| Noncurrent loans to loans | 1.5564% | 3,827 |
| Net loans and leases to total assets | 44.5522% | 6,152 |
| Net loans and leases to deposits | 56.3224% | 5,861 |
| Net loans and leases to core deposits | 56.3224% | 6,139 |
| Total domestic deposits to total assets | 79.1021% | 5,972 |
| Equity capital to assets | 16.8809% | 462 |
| Core capital (leverage) ratio | 16.2384% | 438 |
| Tier 1 risk-based capital ratio | 41.9596% | 203 |
| Total risk-based capital ratio | 43.2045% | 197 |
| Memoranda: | ||
| Average total assets | $59,728,600 | 6,049 |
| Average earning assets | $55,815,400 | 5,993 |
| Average equity | $10,135,000 | 4,978 |
| Average total loans | $27,129,400 | 6,288 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5783% | 7,043 |
| Cost of funding earning assets | 0.9970% | 3,689 |
| Net interest margin | 2.5813% | 7,085 |
| Noninterest income to average assets | 0.3306% | 5,222 |
| Noninterest expense to average assets | 1.9457% | 6,793 |
| Loan and lease loss provision to assets | 0.0313% | 6,051 |
| Net operating income to assets | 0.7595% | 3,344 |
| Return on assets (ROA) | 0.7595% | 3,505 |
| Pretax return on assets | 0.7595% | 4,281 |
| Return on Equity (ROE) | 4.4702% | 4,781 |
| Retained earnings to average equity (ytd only) | 0.2630% | 5,875 |
| Net charge-offs to loans | 0.0687% | 5,269 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 25.2807% | 1,054 |
| Efficiency ratio | 71.1020% | 3,721 |
| Assets per employee ($millions) | 3.3227% | 5,437 |
| Cash dividends to net income (ytd only)* | 94.1189% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 5,825 |
| Loan loss allowance to noncurrent loans | 64.3777% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 4,951 |
| Noncurrent loans to loans | 1.7344% | 3,718 |
| Net loans and leases to total assets | 44.4222% | 6,293 |
| Net loans and leases to deposits | 56.7147% | 5,958 |
| Net loans and leases to core deposits | 56.7147% | 6,253 |
| Total domestic deposits to total assets | 78.3256% | 6,128 |
| Equity capital to assets | 16.9559% | 486 |
| Core capital (leverage) ratio | 16.9742% | 401 |
| Tier 1 risk-based capital ratio | 42.3624% | 210 |
| Total risk-based capital ratio | 43.6130% | 209 |
| Memoranda: | ||
| Average total assets | $59,686,750 | 6,098 |
| Average earning assets | $55,629,750 | 6,046 |
| Average equity | $10,141,000 | 4,999 |
| Average total loans | $27,165,500 | 6,345 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5514% | 7,134 |
| Cost of funding earning assets | 1.0085% | 3,897 |
| Net interest margin | 2.5428% | 7,160 |
| Noninterest income to average assets | 0.3286% | 5,263 |
| Noninterest expense to average assets | 1.9783% | 6,838 |
| Loan and lease loss provision to assets | 0.0335% | 5,898 |
| Net operating income to assets | 0.7008% | 3,545 |
| Return on assets (ROA) | 0.7008% | 3,653 |
| Pretax return on assets | 0.7008% | 4,384 |
| Return on Equity (ROE) | 4.1219% | 4,873 |
| Retained earnings to average equity (ytd only) | 0.0789% | 5,803 |
| Net charge-offs to loans | 0.0734% | 4,911 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 21.9000% | 1,136 |
| Efficiency ratio | 72.9295% | 3,553 |
| Assets per employee ($millions) | 3.2126% | 5,612 |
| Cash dividends to net income (ytd only)* | 98.0861% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 5,885 |
| Loan loss allowance to noncurrent loans | 65.5022% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.8617% | 5,149 |
| Noncurrent loans to loans | 1.7065% | 3,876 |
| Net loans and leases to total assets | 43.4771% | 6,478 |
| Net loans and leases to deposits | 54.9703% | 6,228 |
| Net loans and leases to core deposits | 54.9703% | 6,495 |
| Total domestic deposits to total assets | 79.0921% | 6,062 |
| Equity capital to assets | 16.5648% | 534 |
| Core capital (leverage) ratio | 17.3708% | 377 |
| Tier 1 risk-based capital ratio | 41.7000% | 219 |
| Total risk-based capital ratio | 42.9373% | 218 |
| Memoranda: | ||
| Average total assets | $59,646,330 | 6,149 |
| Average earning assets | $55,922,000 | 6,084 |
| Average equity | $10,141,000 | 5,011 |
| Average total loans | $27,264,670 | 6,400 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5393% | 7,187 |
| Cost of funding earning assets | 1.0071% | 4,154 |
| Net interest margin | 2.5321% | 7,172 |
| Noninterest income to average assets | 0.3325% | 5,243 |
| Noninterest expense to average assets | 2.0288% | 6,782 |
| Loan and lease loss provision to assets | 0.0271% | 5,625 |
| Net operating income to assets | 0.6650% | 3,686 |
| Return on assets (ROA) | 0.6650% | 3,759 |
| Pretax return on assets | 0.6650% | 4,438 |
| Return on Equity (ROE) | 3.8598% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.8598% | 3,856 |
| Net charge-offs to loans | 0.0582% | 4,348 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 962 |
| Efficiency ratio | 74.5636% | 3,413 |
| Assets per employee ($millions) | 3.1661% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 6,019 |
| Loan loss allowance to noncurrent loans | 48.2315% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.3722% | 4,232 |
| Noncurrent loans to loans | 2.2935% | 3,204 |
| Net loans and leases to total assets | 47.0609% | 6,183 |
| Net loans and leases to deposits | 60.8633% | 5,633 |
| Net loans and leases to core deposits | 60.8633% | 6,030 |
| Total domestic deposits to total assets | 77.3223% | 6,478 |
| Equity capital to assets | 17.9067% | 372 |
| Core capital (leverage) ratio | 17.3874% | 367 |
| Tier 1 risk-based capital ratio | 42.0755% | 209 |
| Total risk-based capital ratio | 43.3124% | 206 |
| Memoranda: | ||
| Average total assets | $58,950,000 | 6,224 |
| Average earning assets | $55,605,000 | 6,141 |
| Average equity | $10,156,000 | 5,002 |
| Average total loans | $27,478,000 | 6,436 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8590% | 7,226 |
| Cost of funding earning assets | 1.0177% | 5,602 |
| Net interest margin | 2.8412% | 6,977 |
| Noninterest income to average assets | 0.3997% | 4,913 |
| Noninterest expense to average assets | 1.9608% | 7,082 |
| Loan and lease loss provision to assets | 0.0052% | 7,017 |
| Net operating income to assets | 1.0889% | 1,729 |
| Return on assets (ROA) | 1.0889% | 1,814 |
| Pretax return on assets | 1.0889% | 2,613 |
| Return on Equity (ROE) | 6.3469% | 3,421 |
| Retained earnings to average equity (ytd only) | 3.1634% | 3,650 |
| Net charge-offs to loans | 0.0106% | 6,726 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 211.6667% | 116 |
| Efficiency ratio | 64.1850% | 5,317 |
| Assets per employee ($millions) | 3.3839% | 5,209 |
| Cash dividends to net income (ytd only)* | 50.1582% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 6,034 |
| Loan loss allowance to noncurrent loans | 47.3934% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 1.3019% | 4,431 |
| Noncurrent loans to loans | 2.2740% | 3,245 |
| Net loans and leases to total assets | 45.2077% | 6,620 |
| Net loans and leases to deposits | 57.4085% | 6,315 |
| Net loans and leases to core deposits | 57.4085% | 6,606 |
| Total domestic deposits to total assets | 78.7473% | 6,148 |
| Equity capital to assets | 16.5933% | 503 |
| Core capital (leverage) ratio | 16.6236% | 431 |
| Tier 1 risk-based capital ratio | 39.6120% | 245 |
| Total risk-based capital ratio | 40.7878% | 242 |
| Memoranda: | ||
| Average total assets | $58,038,800 | 6,275 |
| Average earning assets | $54,237,400 | 6,207 |
| Average equity | $9,957,600 | 5,151 |
| Average total loans | $28,429,200 | 6,477 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 7,325 |
| Cost of funding earning assets | 1.0348% | 5,777 |
| Net interest margin | 2.8923% | 7,015 |
| Noninterest income to average assets | 0.3675% | 5,214 |
| Noninterest expense to average assets | 1.9841% | 7,078 |
| Loan and lease loss provision to assets | 0.0116% | 6,910 |
| Net operating income to assets | 1.0700% | 2,004 |
| Return on assets (ROA) | 1.0700% | 2,115 |
| Pretax return on assets | 1.0700% | 2,928 |
| Return on Equity (ROE) | 6.1825% | 3,734 |
| Retained earnings to average equity (ytd only) | 3.1316% | 4,242 |
| Net charge-offs to loans | 0.0233% | 6,349 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 92.9505% | 333 |
| Efficiency ratio | 64.7193% | 5,103 |
| Assets per employee ($millions) | 3.1421% | 5,824 |
| Cash dividends to net income (ytd only)* | 49.3478% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 6,085 |
| Loan loss allowance to noncurrent loans | 63.9659% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.1104% | 4,894 |
| Noncurrent loans to loans | 1.6692% | 4,143 |
| Net loans and leases to total assets | 49.1486% | 6,415 |
| Net loans and leases to deposits | 64.0661% | 5,909 |
| Net loans and leases to core deposits | 64.0661% | 6,296 |
| Total domestic deposits to total assets | 76.7155% | 6,544 |
| Equity capital to assets | 17.7272% | 439 |
| Core capital (leverage) ratio | 17.7854% | 366 |
| Tier 1 risk-based capital ratio | 40.2198% | 241 |
| Total risk-based capital ratio | 41.4233% | 237 |
| Memoranda: | ||
| Average total assets | $57,321,000 | 6,376 |
| Average earning assets | $53,473,750 | 6,298 |
| Average equity | $9,920,250 | 5,222 |
| Average total loans | $28,577,500 | 6,554 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8961% | 7,433 |
| Cost of funding earning assets | 1.0439% | 5,951 |
| Net interest margin | 2.8522% | 7,077 |
| Noninterest income to average assets | 0.3543% | 5,314 |
| Noninterest expense to average assets | 2.0043% | 7,103 |
| Loan and lease loss provision to assets | 0.0174% | 6,747 |
| Net operating income to assets | 0.9900% | 2,237 |
| Return on assets (ROA) | 0.9900% | 2,314 |
| Pretax return on assets | 0.9900% | 3,154 |
| Return on Equity (ROE) | 5.7663% | 3,909 |
| Retained earnings to average equity (ytd only) | 2.7314% | 4,391 |
| Net charge-offs to loans | 0.0348% | 5,867 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 528 |
| Efficiency ratio | 66.5513% | 4,871 |
| Assets per employee ($millions) | 3.2533% | 5,545 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 6,168 |
| Loan loss allowance to noncurrent loans | 64.2398% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.8715% | 5,381 |
| Noncurrent loans to loans | 1.6391% | 4,249 |
| Net loans and leases to total assets | 50.9728% | 6,313 |
| Net loans and leases to deposits | 66.7922% | 5,710 |
| Net loans and leases to core deposits | 66.7922% | 6,176 |
| Total domestic deposits to total assets | 76.3154% | 6,624 |
| Equity capital to assets | 17.9510% | 422 |
| Core capital (leverage) ratio | 17.5326% | 396 |
| Tier 1 risk-based capital ratio | 38.8891% | 268 |
| Total risk-based capital ratio | 40.0642% | 263 |
| Memoranda: | ||
| Average total assets | $57,575,670 | 6,411 |
| Average earning assets | $53,643,330 | 6,338 |
| Average equity | $9,885,000 | 5,236 |
| Average total loans | $28,737,670 | 6,593 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 7,603 |
| Cost of funding earning assets | 1.0543% | 6,120 |
| Net interest margin | 2.7164% | 7,280 |
| Noninterest income to average assets | 0.3338% | 5,472 |
| Noninterest expense to average assets | 1.9009% | 7,328 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9606% | 2,328 |
| Return on assets (ROA) | 0.9606% | 2,392 |
| Pretax return on assets | 0.9606% | 3,232 |
| Return on Equity (ROE) | 5.7181% | 4,004 |
| Retained earnings to average equity (ytd only) | 5.7181% | 2,755 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4286% | 5,025 |
| Assets per employee ($millions) | 3.3597% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 6,235 |
| Loan loss allowance to noncurrent loans | 55.9701% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 5,218 |
| Noncurrent loans to loans | 1.8750% | 3,962 |
| Net loans and leases to total assets | 49.5264% | 6,524 |
| Net loans and leases to deposits | 64.6723% | 5,979 |
| Net loans and leases to core deposits | 64.6723% | 6,404 |
| Total domestic deposits to total assets | 76.5806% | 6,647 |
| Equity capital to assets | 17.3930% | 485 |
| Core capital (leverage) ratio | 17.0837% | 451 |
| Tier 1 risk-based capital ratio | 38.4353% | 277 |
| Total risk-based capital ratio | 39.5961% | 269 |
| Memoranda: | ||
| Average total assets | $58,710,500 | 6,442 |
| Average earning assets | $54,632,000 | 6,374 |
| Average equity | $9,863,500 | 5,282 |
| Average total loans | $28,861,000 | 6,665 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 7,678 |
| Cost of funding earning assets | 1.1000% | 6,984 |
| Net interest margin | 2.9377% | 6,783 |
| Noninterest income to average assets | 0.4915% | 4,481 |
| Noninterest expense to average assets | 1.7980% | 7,608 |
| Loan and lease loss provision to assets | 0.0087% | 7,384 |
| Net operating income to assets | 1.4346% | 796 |
| Return on assets (ROA) | 1.4346% | 849 |
| Pretax return on assets | 1.4346% | 1,347 |
| Return on Equity (ROE) | 8.6515% | 2,147 |
| Retained earnings to average equity (ytd only) | 4.3518% | 2,192 |
| Net charge-offs to loans | 0.0176% | 6,973 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 166.8000% | 174 |
| Efficiency ratio | 55.4725% | 7,075 |
| Assets per employee ($millions) | 3.5474% | 4,901 |
| Cash dividends to net income (ytd only)* | 49.6984% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 6,221 |
| Loan loss allowance to noncurrent loans | 55.9701% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 0.9153% | 5,262 |
| Noncurrent loans to loans | 1.8397% | 3,873 |
| Net loans and leases to total assets | 47.8145% | 6,825 |
| Net loans and leases to deposits | 61.4190% | 6,523 |
| Net loans and leases to core deposits | 68.2986% | 6,865 |
| Total domestic deposits to total assets | 77.8496% | 6,256 |
| Equity capital to assets | 16.2388% | 666 |
| Core capital (leverage) ratio | 16.3691% | 564 |
| Tier 1 risk-based capital ratio | 36.7881% | 308 |
| Total risk-based capital ratio | 37.9151% | 306 |
| Memoranda: | ||
| Average total assets | $57,786,200 | 6,439 |
| Average earning assets | $54,089,400 | 6,373 |
| Average equity | $9,582,200 | 5,420 |
| Average total loans | $28,355,400 | 6,723 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0728% | 7,782 |
| Cost of funding earning assets | 1.1042% | 7,168 |
| Net interest margin | 2.9686% | 6,689 |
| Noninterest income to average assets | 0.5482% | 4,094 |
| Noninterest expense to average assets | 2.0295% | 7,328 |
| Loan and lease loss provision to assets | 0.0093% | 7,234 |
| Net operating income to assets | 1.2877% | 1,252 |
| Return on assets (ROA) | 1.2877% | 1,320 |
| Pretax return on assets | 1.2877% | 1,982 |
| Return on Equity (ROE) | 7.7232% | 2,760 |
| Retained earnings to average equity (ytd only) | 4.0015% | 3,040 |
| Net charge-offs to loans | 0.0189% | 6,646 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 139.0826% | 275 |
| Efficiency ratio | 61.0098% | 6,274 |
| Assets per employee ($millions) | 3.3892% | 5,185 |
| Cash dividends to net income (ytd only)* | 48.1888% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 6,006 |
| Loan loss allowance to noncurrent loans | 77.3196% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 5,725 |
| Noncurrent loans to loans | 1.3582% | 4,657 |
| Net loans and leases to total assets | 49.0602% | 6,860 |
| Net loans and leases to deposits | 63.6114% | 6,532 |
| Net loans and leases to core deposits | 70.9210% | 6,913 |
| Total domestic deposits to total assets | 77.1248% | 6,308 |
| Equity capital to assets | 16.7694% | 664 |
| Core capital (leverage) ratio | 17.0061% | 555 |
| Tier 1 risk-based capital ratio | 39.1523% | 295 |
| Total risk-based capital ratio | 40.3679% | 291 |
| Memoranda: | ||
| Average total assets | $57,156,250 | 6,497 |
| Average earning assets | $53,492,000 | 6,445 |
| Average equity | $9,529,500 | 5,483 |
| Average total loans | $28,160,500 | 6,785 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 7,867 |
| Cost of funding earning assets | 1.1058% | 7,367 |
| Net interest margin | 3.0138% | 6,512 |
| Noninterest income to average assets | 0.6245% | 3,503 |
| Noninterest expense to average assets | 1.9999% | 7,469 |
| Loan and lease loss provision to assets | 0.0316% | 6,927 |
| Net operating income to assets | 1.4140% | 993 |
| Return on assets (ROA) | 1.4140% | 1,062 |
| Pretax return on assets | 1.4140% | 1,687 |
| Return on Equity (ROE) | 8.4973% | 2,573 |
| Retained earnings to average equity (ytd only) | 4.3014% | 2,906 |
| Net charge-offs to loans | 0.0642% | 5,602 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 45.7778% | 734 |
| Efficiency ratio | 58.0448% | 6,859 |
| Assets per employee ($millions) | 3.3165% | 5,272 |
| Cash dividends to net income (ytd only)* | 49.3797% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 5,697 |
| Loan loss allowance to noncurrent loans | 78.7402% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 5,677 |
| Noncurrent loans to loans | 1.3777% | 4,459 |
| Net loans and leases to total assets | 48.5181% | 6,992 |
| Net loans and leases to deposits | 62.5658% | 6,698 |
| Net loans and leases to core deposits | 70.0907% | 7,014 |
| Total domestic deposits to total assets | 77.5474% | 6,190 |
| Equity capital to assets | 16.9915% | 667 |
| Core capital (leverage) ratio | 17.1906% | 591 |
| Tier 1 risk-based capital ratio | 39.1852% | 326 |
| Total risk-based capital ratio | 40.4123% | 318 |
| Memoranda: | ||
| Average total assets | $57,002,670 | 6,556 |
| Average earning assets | $53,355,000 | 6,497 |
| Average equity | $9,485,330 | 5,518 |
| Average total loans | $28,025,000 | 6,843 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 7,900 |
| Cost of funding earning assets | 1.0989% | 7,527 |
| Net interest margin | 3.1172% | 6,151 |
| Noninterest income to average assets | 0.8096% | 2,280 |
| Noninterest expense to average assets | 2.0798% | 7,165 |
| Loan and lease loss provision to assets | 0.0070% | 6,714 |
| Net operating income to assets | 1.6331% | 745 |
| Return on assets (ROA) | 1.6331% | 816 |
| Pretax return on assets | 1.6331% | 1,325 |
| Return on Equity (ROE) | 9.9174% | 2,352 |
| Retained earnings to average equity (ytd only) | 5.2554% | 2,986 |
| Net charge-offs to loans | 0.0142% | 5,392 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 181 |
| Efficiency ratio | 55.9099% | 6,981 |
| Assets per employee ($millions) | 3.2509% | 5,458 |
| Cash dividends to net income (ytd only)* | 47.0085% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 5,767 |
| Loan loss allowance to noncurrent loans | 126.5823% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 6,157 |
| Noncurrent loans to loans | 0.8355% | 5,351 |
| Net loans and leases to total assets | 50.7862% | 6,784 |
| Net loans and leases to deposits | 64.6780% | 6,493 |
| Net loans and leases to core deposits | 72.2315% | 6,904 |
| Total domestic deposits to total assets | 78.5217% | 5,858 |
| Equity capital to assets | 17.1899% | 702 |
| Core capital (leverage) ratio | 17.0083% | 652 |
| Tier 1 risk-based capital ratio | 38.9472% | 340 |
| Total risk-based capital ratio | 40.1771% | 335 |
| Memoranda: | ||
| Average total assets | $57,313,500 | 6,567 |
| Average earning assets | $53,510,000 | 6,523 |
| Average equity | $9,438,000 | 5,553 |
| Average total loans | $28,210,000 | 6,867 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2390% | 7,654 |
| Cost of funding earning assets | 1.5638% | 7,517 |
| Net interest margin | 3.6752% | 4,579 |
| Noninterest income to average assets | 0.3934% | 5,527 |
| Noninterest expense to average assets | 1.9880% | 7,462 |
| Loan and lease loss provision to assets | -0.0459% | 8,232 |
| Net operating income to assets | 1.9086% | 423 |
| Return on assets (ROA) | 1.9086% | 409 |
| Pretax return on assets | 1.9086% | 752 |
| Return on Equity (ROE) | 11.8651% | 1,634 |
| Retained earnings to average equity (ytd only) | 5.4171% | 1,803 |
| Net charge-offs to loans | -0.0925% | 8,081 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6262% | 7,528 |
| Assets per employee ($millions) | 3.4919% | 4,690 |
| Cash dividends to net income (ytd only)* | 54.3438% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 5,486 |
| Loan loss allowance to noncurrent loans | 147.7833% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 6,159 |
| Noncurrent loans to loans | 0.7236% | 5,226 |
| Net loans and leases to total assets | 46.7521% | 7,267 |
| Net loans and leases to deposits | 57.4727% | 7,236 |
| Net loans and leases to core deposits | 63.4644% | 7,464 |
| Total domestic deposits to total assets | 81.3467% | 4,484 |
| Equity capital to assets | 15.7946% | 979 |
| Core capital (leverage) ratio | 16.2229% | 792 |
| Tier 1 risk-based capital ratio | 38.1138% | 370 |
| Total risk-based capital ratio | 39.3333% | 363 |
| Memoranda: | ||
| Average total assets | $56,690,800 | 6,506 |
| Average earning assets | $53,330,400 | 6,448 |
| Average equity | $9,119,200 | 5,700 |
| Average total loans | $28,093,000 | 6,838 |