Home > First Illinois Bank > Performance and Condition Ratios
First Illinois 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 | 3.2803% | 5,136 |
| Cost of funding earning assets | 0.1717% | 5,221 |
| Net interest margin | 3.1086% | 4,628 |
| Noninterest income to average assets | 0.6578% | 2,146 |
| Noninterest expense to average assets | 2.3813% | 4,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2906% | 1,267 |
| Return on assets (ROA) | 1.2906% | 1,296 |
| Pretax return on assets | 1.2906% | 2,271 |
| Return on Equity (ROE) | 12.1402% | 1,196 |
| Retained earnings to average equity (ytd only) | 12.1402% | 458 |
| 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 | 64.8526% | 3,687 |
| Assets per employee ($millions) | 3.8573% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.8223% | 5 |
| Loan loss allowance to noncurrent loans | 310.4762% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 3,384 |
| Noncurrent loans to loans | 3.8078% | 288 |
| Net loans and leases to total assets | 10.5060% | 5,803 |
| Net loans and leases to deposits | 11.8537% | 5,805 |
| Net loans and leases to core deposits | 17.8754% | 5,782 |
| Total domestic deposits to total assets | 88.6299% | 1,358 |
| Equity capital to assets | 11.2081% | 2,423 |
| Core capital (leverage) ratio | 10.6630% | 2,723 |
| Tier 1 risk-based capital ratio | 76.5469% | 56 |
| Total risk-based capital ratio | 77.9037% | 56 |
| Memoranda: | ||
| Average total assets | $48,041,000 | 5,351 |
| Average earning assets | $46,580,500 | 5,284 |
| Average equity | $5,107,000 | 5,401 |
| Average total loans | $6,053,500 | 5,787 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9727% | 5,522 |
| Cost of funding earning assets | 0.1127% | 5,642 |
| Net interest margin | 2.8600% | 5,198 |
| Noninterest income to average assets | 0.5777% | 2,772 |
| Noninterest expense to average assets | 2.4024% | 4,294 |
| Loan and lease loss provision to assets | 0.1673% | 1,466 |
| Net operating income to assets | 0.7807% | 3,397 |
| Return on assets (ROA) | 0.7807% | 3,498 |
| Pretax return on assets | 0.7807% | 4,237 |
| Return on Equity (ROE) | 6.8735% | 3,534 |
| Retained earnings to average equity (ytd only) | -12.7651% | 5,809 |
| Net charge-offs to loans | 0.2644% | 1,048 |
| Credit loss provision to net charge-offs | 441.1765% | 727 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,603 |
| Efficiency ratio | 71.7044% | 2,634 |
| Assets per employee ($millions) | 4.5267% | 3,079 |
| Cash dividends to net income (ytd only)* | 285.7143% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.8908% | 5 |
| Loan loss allowance to noncurrent loans | 364.2458% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 3,843 |
| Noncurrent loans to loans | 2.7154% | 553 |
| Net loans and leases to total assets | 11.9291% | 5,857 |
| Net loans and leases to deposits | 13.2859% | 5,861 |
| Net loans and leases to core deposits | 19.1997% | 5,837 |
| Total domestic deposits to total assets | 89.7879% | 733 |
| Equity capital to assets | 10.0936% | 3,617 |
| Core capital (leverage) ratio | 10.3933% | 3,000 |
| Tier 1 risk-based capital ratio | 61.4995% | 77 |
| Total risk-based capital ratio | 62.8335% | 77 |
| Memoranda: | ||
| Average total assets | $44,829,400 | 5,446 |
| Average earning assets | $43,461,600 | 5,391 |
| Average equity | $5,092,000 | 5,454 |
| Average total loans | $6,429,800 | 5,839 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9856% | 5,580 |
| Cost of funding earning assets | 0.1073% | 5,740 |
| Net interest margin | 2.8783% | 5,221 |
| Noninterest income to average assets | 0.5812% | 2,758 |
| Noninterest expense to average assets | 2.5511% | 3,823 |
| Loan and lease loss provision to assets | 0.2294% | 873 |
| Net operating income to assets | 0.5904% | 4,329 |
| Return on assets (ROA) | 0.5904% | 4,437 |
| Pretax return on assets | 0.5904% | 4,905 |
| Return on Equity (ROE) | 5.0373% | 4,502 |
| Retained earnings to average equity (ytd only) | -21.0623% | 5,919 |
| Net charge-offs to loans | 0.1460% | 1,533 |
| Credit loss provision to net charge-offs | 1,071.4286% | 382 |
| Earnings coverage of net charge-offs (x) | 38.2980% | 1,277 |
| Efficiency ratio | 75.6806% | 2,024 |
| Assets per employee ($millions) | 3.9395% | 4,065 |
| Cash dividends to net income (ytd only)* | 518.1285% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.5297% | 5 |
| Loan loss allowance to noncurrent loans | 303.6697% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 3,580 |
| Noncurrent loans to loans | 3.4675% | 377 |
| Net loans and leases to total assets | 11.8987% | 5,925 |
| Net loans and leases to deposits | 13.3174% | 5,929 |
| Net loans and leases to core deposits | 17.4284% | 5,913 |
| Total domestic deposits to total assets | 89.3472% | 738 |
| Equity capital to assets | 10.4857% | 3,581 |
| Core capital (leverage) ratio | 10.9648% | 2,483 |
| Tier 1 risk-based capital ratio | 61.8919% | 77 |
| Total risk-based capital ratio | 63.2268% | 77 |
| Memoranda: | ||
| Average total assets | $43,588,250 | 5,530 |
| Average earning assets | $42,246,500 | 5,476 |
| Average equity | $5,108,500 | 5,506 |
| Average total loans | $6,389,250 | 5,903 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1012% | 5,541 |
| Cost of funding earning assets | 0.1024% | 5,843 |
| Net interest margin | 2.9988% | 5,085 |
| Noninterest income to average assets | 0.5713% | 2,788 |
| Noninterest expense to average assets | 2.6912% | 3,419 |
| Loan and lease loss provision to assets | 0.3541% | 462 |
| Net operating income to assets | 0.4297% | 4,942 |
| Return on assets (ROA) | 0.4297% | 5,030 |
| Pretax return on assets | 0.4297% | 5,284 |
| Return on Equity (ROE) | 3.5278% | 5,085 |
| Retained earnings to average equity (ytd only) | -35.2394% | 6,016 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4457% | 1,864 |
| Assets per employee ($millions) | 3.3691% | 4,976 |
| Cash dividends to net income (ytd only)* | 1,098.9011% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6056% | 4 |
| Loan loss allowance to noncurrent loans | 373.7430% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 3,736 |
| Noncurrent loans to loans | 2.8377% | 546 |
| Net loans and leases to total assets | 13.9479% | 5,994 |
| Net loans and leases to deposits | 15.8818% | 5,997 |
| Net loans and leases to core deposits | 17.3770% | 5,990 |
| Total domestic deposits to total assets | 87.8231% | 1,512 |
| Equity capital to assets | 12.0508% | 2,094 |
| Core capital (leverage) ratio | 11.4136% | 2,053 |
| Tier 1 risk-based capital ratio | 65.5829% | 78 |
| Total risk-based capital ratio | 66.9307% | 78 |
| Memoranda: | ||
| Average total assets | $42,359,670 | 5,622 |
| Average earning assets | $41,016,670 | 5,562 |
| Average equity | $5,159,000 | 5,555 |
| Average total loans | $6,423,330 | 5,981 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2297% | 5,444 |
| Cost of funding earning assets | 0.1048% | 5,895 |
| Net interest margin | 3.1249% | 4,800 |
| Noninterest income to average assets | 0.5263% | 2,956 |
| Noninterest expense to average assets | 2.6497% | 3,578 |
| Loan and lease loss provision to assets | 0.4155% | 324 |
| Net operating income to assets | 0.4893% | 4,674 |
| Return on assets (ROA) | 0.4893% | 4,775 |
| Pretax return on assets | 0.4893% | 5,115 |
| Return on Equity (ROE) | 3.9981% | 4,889 |
| Retained earnings to average equity (ytd only) | -71.4380% | 6,098 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5455% | 2,395 |
| Assets per employee ($millions) | 3.5049% | 4,795 |
| Cash dividends to net income (ytd only)* | 1,886.7925% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6607% | 4 |
| Loan loss allowance to noncurrent loans | 355.0000% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 3,878 |
| Noncurrent loans to loans | 3.0030% | 544 |
| Net loans and leases to total assets | 12.7321% | 6,061 |
| Net loans and leases to deposits | 14.4076% | 6,063 |
| Net loans and leases to core deposits | 16.0094% | 6,052 |
| Total domestic deposits to total assets | 88.3711% | 1,426 |
| Equity capital to assets | 11.4601% | 2,475 |
| Core capital (leverage) ratio | 11.3223% | 2,121 |
| Tier 1 risk-based capital ratio | 62.4766% | 82 |
| Total risk-based capital ratio | 63.8110% | 82 |
| Memoranda: | ||
| Average total assets | $43,325,000 | 5,649 |
| Average earning assets | $41,985,500 | 5,593 |
| Average equity | $5,302,500 | 5,556 |
| Average total loans | $6,481,000 | 6,042 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2576% | 5,420 |
| Cost of funding earning assets | 0.1073% | 5,933 |
| Net interest margin | 3.1504% | 4,774 |
| Noninterest income to average assets | 0.6127% | 2,654 |
| Noninterest expense to average assets | 2.5207% | 4,161 |
| Loan and lease loss provision to assets | 0.4055% | 329 |
| Net operating income to assets | 0.7299% | 3,674 |
| Return on assets (ROA) | 0.7299% | 3,771 |
| Pretax return on assets | 0.7299% | 4,437 |
| Return on Equity (ROE) | 5.7292% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.7292% | 1,942 |
| Net charge-offs to loans | 1.1075% | 169 |
| Credit loss provision to net charge-offs | 236.8421% | 1,205 |
| Earnings coverage of net charge-offs (x) | 6.6316% | 3,194 |
| Efficiency ratio | 68.9464% | 3,411 |
| Assets per employee ($millions) | 3.4301% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5247% | 8 |
| Loan loss allowance to noncurrent loans | 333.7079% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 4,002 |
| Noncurrent loans to loans | 2.5545% | 703 |
| Net loans and leases to total assets | 14.2944% | 6,112 |
| Net loans and leases to deposits | 16.4473% | 6,114 |
| Net loans and leases to core deposits | 18.0194% | 6,105 |
| Total domestic deposits to total assets | 86.9099% | 2,188 |
| Equity capital to assets | 12.9735% | 1,362 |
| Core capital (leverage) ratio | 12.9961% | 1,152 |
| Tier 1 risk-based capital ratio | 71.4340% | 66 |
| Total risk-based capital ratio | 72.7665% | 66 |
| Memoranda: | ||
| Average total assets | $44,392,600 | 5,673 |
| Average earning assets | $42,883,800 | 5,612 |
| Average equity | $5,655,200 | 5,516 |
| Average total loans | $6,862,400 | 6,089 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2116% | 5,569 |
| Cost of funding earning assets | 0.1090% | 6,024 |
| Net interest margin | 3.1026% | 4,961 |
| Noninterest income to average assets | 0.6104% | 2,688 |
| Noninterest expense to average assets | 2.4836% | 4,247 |
| Loan and lease loss provision to assets | 0.4059% | 292 |
| Net operating income to assets | 0.7156% | 3,844 |
| Return on assets (ROA) | 0.7156% | 3,943 |
| Pretax return on assets | 0.7156% | 4,627 |
| Return on Equity (ROE) | 5.6437% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.6437% | 2,494 |
| Net charge-offs to loans | 1.5018% | 93 |
| Credit loss provision to net charge-offs | 175.3247% | 1,499 |
| Earnings coverage of net charge-offs (x) | 4.8443% | 3,289 |
| Efficiency ratio | 68.8907% | 3,396 |
| Assets per employee ($millions) | 3.9532% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7010% | 13 |
| Loan loss allowance to noncurrent loans | 306.1453% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 4,124 |
| Noncurrent loans to loans | 2.5155% | 813 |
| Net loans and leases to total assets | 15.1041% | 6,193 |
| Net loans and leases to deposits | 17.4361% | 6,203 |
| Net loans and leases to core deposits | 19.4682% | 6,188 |
| Total domestic deposits to total assets | 86.6253% | 2,224 |
| Equity capital to assets | 13.2138% | 1,344 |
| Core capital (leverage) ratio | 12.3957% | 1,465 |
| Tier 1 risk-based capital ratio | 69.5221% | 72 |
| Total risk-based capital ratio | 70.8391% | 72 |
| Memoranda: | ||
| Average total assets | $44,343,000 | 5,748 |
| Average earning assets | $42,801,500 | 5,687 |
| Average equity | $5,622,750 | 5,585 |
| Average total loans | $6,836,000 | 6,172 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1914% | 5,636 |
| Cost of funding earning assets | 0.1115% | 6,087 |
| Net interest margin | 3.0799% | 5,019 |
| Noninterest income to average assets | 0.6274% | 2,591 |
| Noninterest expense to average assets | 2.4648% | 4,351 |
| Loan and lease loss provision to assets | 0.4033% | 287 |
| Net operating income to assets | 0.7305% | 3,735 |
| Return on assets (ROA) | 0.7305% | 3,850 |
| Pretax return on assets | 0.7305% | 4,559 |
| Return on Equity (ROE) | 5.8405% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.8405% | 2,337 |
| Net charge-offs to loans | -0.1483% | 5,926 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4932% | 3,596 |
| Assets per employee ($millions) | 3.7028% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9301% | 14 |
| Loan loss allowance to noncurrent loans | 235.8871% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.5581% | 3,749 |
| Noncurrent loans to loans | 3.3618% | 539 |
| Net loans and leases to total assets | 15.2859% | 6,263 |
| Net loans and leases to deposits | 17.5137% | 6,272 |
| Net loans and leases to core deposits | 19.6000% | 6,259 |
| Total domestic deposits to total assets | 87.2797% | 2,023 |
| Equity capital to assets | 12.5042% | 1,653 |
| Core capital (leverage) ratio | 12.4171% | 1,421 |
| Tier 1 risk-based capital ratio | 79.0288% | 59 |
| Total risk-based capital ratio | 80.3729% | 59 |
| Memoranda: | ||
| Average total assets | $44,629,000 | 5,802 |
| Average earning assets | $43,053,330 | 5,736 |
| Average equity | $5,581,670 | 5,645 |
| Average total loans | $6,742,670 | 6,246 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3638% | 5,297 |
| Cost of funding earning assets | 0.1112% | 6,151 |
| Net interest margin | 3.2526% | 4,410 |
| Noninterest income to average assets | 0.5992% | 2,655 |
| Noninterest expense to average assets | 2.4594% | 4,411 |
| Loan and lease loss provision to assets | 0.4024% | 287 |
| Net operating income to assets | 0.8764% | 2,863 |
| Return on assets (ROA) | 0.8764% | 2,991 |
| Pretax return on assets | 0.8764% | 3,979 |
| Return on Equity (ROE) | 7.0069% | 3,504 |
| Retained earnings to average equity (ytd only) | 7.0069% | 2,012 |
| Net charge-offs to loans | 1.3073% | 155 |
| Credit loss provision to net charge-offs | 214.2857% | 1,001 |
| Earnings coverage of net charge-offs (x) | 6.8095% | 2,244 |
| Efficiency ratio | 65.7895% | 4,193 |
| Assets per employee ($millions) | 3.9713% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0627% | 13 |
| Loan loss allowance to noncurrent loans | 225.4386% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 3,935 |
| Noncurrent loans to loans | 3.5765% | 525 |
| Net loans and leases to total assets | 13.4168% | 6,342 |
| Net loans and leases to deposits | 15.4282% | 6,349 |
| Net loans and leases to core deposits | 17.7118% | 6,329 |
| Total domestic deposits to total assets | 86.9632% | 2,390 |
| Equity capital to assets | 12.8468% | 1,484 |
| Core capital (leverage) ratio | 12.0735% | 1,595 |
| Tier 1 risk-based capital ratio | 84.8328% | 64 |
| Total risk-based capital ratio | 86.1517% | 65 |
| Memoranda: | ||
| Average total assets | $44,727,000 | 5,851 |
| Average earning assets | $43,165,000 | 5,781 |
| Average equity | $5,594,500 | 5,699 |
| Average total loans | $6,425,500 | 6,321 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5407% | 5,225 |
| Cost of funding earning assets | 0.1215% | 6,239 |
| Net interest margin | 3.4191% | 4,115 |
| Noninterest income to average assets | 0.6474% | 2,566 |
| Noninterest expense to average assets | 2.5329% | 4,445 |
| Loan and lease loss provision to assets | 0.5667% | 253 |
| Net operating income to assets | 0.8588% | 3,067 |
| Return on assets (ROA) | 0.8588% | 3,166 |
| Pretax return on assets | 0.8588% | 4,036 |
| Return on Equity (ROE) | 7.3469% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.3469% | 1,252 |
| Net charge-offs to loans | 3.0144% | 32 |
| Credit loss provision to net charge-offs | 140.5405% | 1,686 |
| Earnings coverage of net charge-offs (x) | 3.5351% | 3,870 |
| Efficiency ratio | 63.9868% | 4,586 |
| Assets per employee ($millions) | 3.8142% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5664% | 17 |
| Loan loss allowance to noncurrent loans | 204.1667% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 4,049 |
| Noncurrent loans to loans | 3.7060% | 531 |
| Net loans and leases to total assets | 13.0784% | 6,430 |
| Net loans and leases to deposits | 14.9176% | 6,439 |
| Net loans and leases to core deposits | 16.9912% | 6,425 |
| Total domestic deposits to total assets | 87.6710% | 1,942 |
| Equity capital to assets | 12.1848% | 1,877 |
| Core capital (leverage) ratio | 11.6961% | 1,830 |
| Tier 1 risk-based capital ratio | 85.6198% | 56 |
| Total risk-based capital ratio | 86.9593% | 56 |
| Memoranda: | ||
| Average total assets | $45,876,400 | 5,883 |
| Average earning assets | $44,426,400 | 5,819 |
| Average equity | $5,362,800 | 5,774 |
| Average total loans | $6,137,200 | 6,417 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5623% | 5,235 |
| Cost of funding earning assets | 0.1228% | 6,324 |
| Net interest margin | 3.4395% | 4,069 |
| Noninterest income to average assets | 0.6477% | 2,585 |
| Noninterest expense to average assets | 2.5299% | 4,431 |
| Loan and lease loss provision to assets | 0.3921% | 438 |
| Net operating income to assets | 1.0602% | 2,195 |
| Return on assets (ROA) | 1.0602% | 2,262 |
| Pretax return on assets | 1.0602% | 3,340 |
| Return on Equity (ROE) | 9.1661% | 2,596 |
| Retained earnings to average equity (ytd only) | 9.1661% | 936 |
| Net charge-offs to loans | 1.6301% | 137 |
| Credit loss provision to net charge-offs | 182.4324% | 1,371 |
| Earnings coverage of net charge-offs (x) | 6.7570% | 3,033 |
| Efficiency ratio | 63.5303% | 4,627 |
| Assets per employee ($millions) | 3.7618% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5460% | 24 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.7532% | 3,555 |
| Noncurrent loans to loans | 5.3900% | 305 |
| Net loans and leases to total assets | 12.9195% | 6,516 |
| Net loans and leases to deposits | 14.7537% | 6,521 |
| Net loans and leases to core deposits | 16.8399% | 6,510 |
| Total domestic deposits to total assets | 87.5678% | 2,002 |
| Equity capital to assets | 12.2439% | 1,874 |
| Core capital (leverage) ratio | 11.5714% | 2,001 |
| Tier 1 risk-based capital ratio | 87.0914% | 52 |
| Total risk-based capital ratio | 88.4285% | 52 |
| Memoranda: | ||
| Average total assets | $45,903,000 | 5,952 |
| Average earning assets | $44,501,500 | 5,881 |
| Average equity | $5,309,250 | 5,842 |
| Average total loans | $6,052,500 | 6,494 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6986% | 4,868 |
| Cost of funding earning assets | 0.1252% | 6,384 |
| Net interest margin | 3.5733% | 3,470 |
| Noninterest income to average assets | 0.6326% | 2,646 |
| Noninterest expense to average assets | 2.5175% | 4,525 |
| Loan and lease loss provision to assets | 0.3900% | 433 |
| Net operating income to assets | 1.1873% | 1,631 |
| Return on assets (ROA) | 1.1873% | 1,704 |
| Pretax return on assets | 1.1873% | 2,719 |
| Return on Equity (ROE) | 10.4647% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.4647% | 620 |
| Net charge-offs to loans | 2.4802% | 80 |
| Credit loss provision to net charge-offs | 121.6216% | 1,705 |
| Earnings coverage of net charge-offs (x) | 4.9189% | 3,020 |
| Efficiency ratio | 61.4815% | 5,076 |
| Assets per employee ($millions) | 3.2223% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3524% | 26 |
| Loan loss allowance to noncurrent loans | 129.4294% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 3,751 |
| Noncurrent loans to loans | 5.6807% | 297 |
| Net loans and leases to total assets | 12.0389% | 6,588 |
| Net loans and leases to deposits | 13.7063% | 6,591 |
| Net loans and leases to core deposits | 15.4606% | 6,576 |
| Total domestic deposits to total assets | 87.8347% | 2,010 |
| Equity capital to assets | 12.0190% | 1,965 |
| Core capital (leverage) ratio | 11.2842% | 2,168 |
| Tier 1 risk-based capital ratio | 91.9000% | 50 |
| Total risk-based capital ratio | 93.2294% | 50 |
| Memoranda: | ||
| Average total assets | $46,157,000 | 6,002 |
| Average earning assets | $44,720,000 | 5,923 |
| Average equity | $5,236,670 | 5,905 |
| Average total loans | $5,967,330 | 6,559 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 4,663 |
| Cost of funding earning assets | 0.1239% | 6,480 |
| Net interest margin | 3.6271% | 3,151 |
| Noninterest income to average assets | 0.5998% | 2,733 |
| Noninterest expense to average assets | 2.5364% | 4,493 |
| Loan and lease loss provision to assets | 0.3856% | 436 |
| Net operating income to assets | 1.1911% | 1,507 |
| Return on assets (ROA) | 1.1911% | 1,577 |
| Pretax return on assets | 1.1911% | 2,520 |
| Return on Equity (ROE) | 10.8087% | 1,750 |
| Retained earnings to average equity (ytd only) | 10.8087% | 781 |
| Net charge-offs to loans | 4.6512% | 28 |
| Credit loss provision to net charge-offs | 64.2857% | 2,065 |
| Earnings coverage of net charge-offs (x) | 2.6286% | 2,833 |
| Efficiency ratio | 61.6667% | 5,179 |
| Assets per employee ($millions) | 3.5238% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7172% | 29 |
| Loan loss allowance to noncurrent loans | 121.1180% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 4,001 |
| Noncurrent loans to loans | 5.5460% | 357 |
| Net loans and leases to total assets | 11.8227% | 6,662 |
| Net loans and leases to deposits | 13.3788% | 6,664 |
| Net loans and leases to core deposits | 15.1340% | 6,647 |
| Total domestic deposits to total assets | 88.3694% | 2,009 |
| Equity capital to assets | 11.4691% | 2,280 |
| Core capital (leverage) ratio | 10.5792% | 2,833 |
| Tier 1 risk-based capital ratio | 89.4597% | 55 |
| Total risk-based capital ratio | 90.7883% | 55 |
| Memoranda: | ||
| Average total assets | $46,679,500 | 6,052 |
| Average earning assets | $45,215,500 | 5,964 |
| Average equity | $5,144,000 | 5,960 |
| Average total loans | $6,020,000 | 6,628 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3008% | 5,999 |
| Cost of funding earning assets | 0.1363% | 6,587 |
| Net interest margin | 3.1645% | 5,111 |
| Noninterest income to average assets | 0.6698% | 2,705 |
| Noninterest expense to average assets | 2.6409% | 4,312 |
| Loan and lease loss provision to assets | 1.4672% | 92 |
| Net operating income to assets | -0.3845% | 6,453 |
| Return on assets (ROA) | -0.3845% | 6,468 |
| Pretax return on assets | -0.3845% | 6,448 |
| Return on Equity (ROE) | -3.5365% | 6,446 |
| Retained earnings to average equity (ytd only) | -3.5365% | 6,296 |
| Net charge-offs to loans | 10.8738% | 4 |
| Credit loss provision to net charge-offs | 100.8345% | 2,392 |
| Earnings coverage of net charge-offs (x) | 0.7441% | 4,844 |
| Efficiency ratio | 70.9239% | 3,682 |
| Assets per employee ($millions) | 3.6576% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6570% | 30 |
| Loan loss allowance to noncurrent loans | 419.1919% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 5,671 |
| Noncurrent loans to loans | 1.5881% | 2,517 |
| Net loans and leases to total assets | 12.2379% | 6,741 |
| Net loans and leases to deposits | 13.9749% | 6,745 |
| Net loans and leases to core deposits | 15.7500% | 6,731 |
| Total domestic deposits to total assets | 87.5707% | 2,436 |
| Equity capital to assets | 10.5870% | 3,061 |
| Core capital (leverage) ratio | 9.9407% | 3,656 |
| Tier 1 risk-based capital ratio | 82.4962% | 60 |
| Total risk-based capital ratio | 83.8233% | 60 |
| Memoranda: | ||
| Average total assets | $49,415,400 | 6,030 |
| Average earning assets | $47,684,800 | 5,943 |
| Average equity | $5,372,600 | 5,971 |
| Average total loans | $6,612,200 | 6,697 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1701% | 6,240 |
| Cost of funding earning assets | 0.1331% | 6,692 |
| Net interest margin | 3.0370% | 5,501 |
| Noninterest income to average assets | 0.6843% | 2,711 |
| Noninterest expense to average assets | 2.7424% | 3,858 |
| Loan and lease loss provision to assets | 0.3475% | 929 |
| Net operating income to assets | 0.5212% | 4,712 |
| Return on assets (ROA) | 0.5212% | 4,862 |
| Pretax return on assets | 0.5212% | 5,296 |
| Return on Equity (ROE) | 4.7641% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.7641% | 3,261 |
| Net charge-offs to loans | 0.3977% | 1,614 |
| Credit loss provision to net charge-offs | 650.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 16.2475% | 1,816 |
| Efficiency ratio | 75.9437% | 2,743 |
| Assets per employee ($millions) | 3.8135% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5425% | 22 |
| Loan loss allowance to noncurrent loans | 75.6560% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.3837% | 2,886 |
| Noncurrent loans to loans | 9.9695% | 136 |
| Net loans and leases to total assets | 12.8328% | 6,816 |
| Net loans and leases to deposits | 14.4296% | 6,822 |
| Net loans and leases to core deposits | 16.1484% | 6,810 |
| Total domestic deposits to total assets | 88.9342% | 1,592 |
| Equity capital to assets | 10.9004% | 2,859 |
| Core capital (leverage) ratio | 10.7848% | 2,689 |
| Tier 1 risk-based capital ratio | 81.0282% | 59 |
| Total risk-based capital ratio | 82.3592% | 57 |
| Memoranda: | ||
| Average total assets | $49,882,000 | 6,086 |
| Average earning assets | $48,073,000 | 6,001 |
| Average equity | $5,457,250 | 6,019 |
| Average total loans | $6,706,750 | 6,774 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0936% | 6,345 |
| Cost of funding earning assets | 0.1370% | 6,745 |
| Net interest margin | 2.9566% | 5,681 |
| Noninterest income to average assets | 0.6602% | 2,853 |
| Noninterest expense to average assets | 2.8809% | 3,403 |
| Loan and lease loss provision to assets | 0.3401% | 992 |
| Net operating income to assets | 0.2881% | 5,640 |
| Return on assets (ROA) | 0.2881% | 5,781 |
| Pretax return on assets | 0.2881% | 5,906 |
| Return on Equity (ROE) | 2.6301% | 5,744 |
| Retained earnings to average equity (ytd only) | 2.6301% | 4,633 |
| Net charge-offs to loans | 0.3911% | 1,654 |
| Credit loss provision to net charge-offs | 653.8462% | 450 |
| Earnings coverage of net charge-offs (x) | 12.0769% | 2,008 |
| Efficiency ratio | 82.0981% | 1,876 |
| Assets per employee ($millions) | 3.4026% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2462% | 21 |
| Loan loss allowance to noncurrent loans | 697.1014% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 6,062 |
| Noncurrent loans to loans | 1.0395% | 3,858 |
| Net loans and leases to total assets | 12.9248% | 6,864 |
| Net loans and leases to deposits | 14.5786% | 6,871 |
| Net loans and leases to core deposits | 16.4007% | 6,860 |
| Total domestic deposits to total assets | 88.6559% | 1,805 |
| Equity capital to assets | 11.1489% | 2,612 |
| Core capital (leverage) ratio | 10.5802% | 2,792 |
| Tier 1 risk-based capital ratio | 86.4327% | 53 |
| Total risk-based capital ratio | 87.7694% | 53 |
| Memoranda: | ||
| Average total assets | $49,984,000 | 6,127 |
| Average earning assets | $48,164,000 | 6,036 |
| Average equity | $5,475,000 | 6,055 |
| Average total loans | $6,648,670 | 6,818 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2091% | 6,286 |
| Cost of funding earning assets | 0.1462% | 6,807 |
| Net interest margin | 3.0629% | 5,389 |
| Noninterest income to average assets | 0.6568% | 2,840 |
| Noninterest expense to average assets | 2.8774% | 3,433 |
| Loan and lease loss provision to assets | 0.3128% | 1,087 |
| Net operating income to assets | 0.4144% | 5,071 |
| Return on assets (ROA) | 0.4144% | 5,220 |
| Pretax return on assets | 0.4144% | 5,519 |
| Return on Equity (ROE) | 3.8150% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.8150% | 3,945 |
| Net charge-offs to loans | 1.1422% | 520 |
| Credit loss provision to net charge-offs | 210.5263% | 1,045 |
| Earnings coverage of net charge-offs (x) | 4.8947% | 2,456 |
| Efficiency ratio | 79.8265% | 2,358 |
| Assets per employee ($millions) | 2.7636% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6052% | 51 |
| Loan loss allowance to noncurrent loans | 955.5556% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 6,319 |
| Noncurrent loans to loans | 0.6912% | 4,741 |
| Net loans and leases to total assets | 12.2223% | 6,943 |
| Net loans and leases to deposits | 13.7809% | 6,949 |
| Net loans and leases to core deposits | 14.9426% | 6,936 |
| Total domestic deposits to total assets | 88.6903% | 1,879 |
| Equity capital to assets | 11.1750% | 2,770 |
| Core capital (leverage) ratio | 10.0446% | 3,319 |
| Tier 1 risk-based capital ratio | 86.0290% | 56 |
| Total risk-based capital ratio | 87.3477% | 56 |
| Memoranda: | ||
| Average total assets | $51,157,500 | 6,150 |
| Average earning assets | $49,234,500 | 6,067 |
| Average equity | $5,557,000 | 6,083 |
| Average total loans | $6,654,000 | 6,891 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 5,781 |
| Cost of funding earning assets | 0.1866% | 6,862 |
| Net interest margin | 3.6310% | 3,960 |
| Noninterest income to average assets | 0.6841% | 2,809 |
| Noninterest expense to average assets | 2.5813% | 4,807 |
| Loan and lease loss provision to assets | 0.1380% | 3,888 |
| Net operating income to assets | 1.4334% | 1,040 |
| Return on assets (ROA) | 1.4334% | 1,161 |
| Pretax return on assets | 1.4334% | 1,929 |
| Return on Equity (ROE) | 13.8273% | 1,024 |
| Retained earnings to average equity (ytd only) | 1.8116% | 4,948 |
| Net charge-offs to loans | 1.1154% | 941 |
| Credit loss provision to net charge-offs | 94.7368% | 3,286 |
| Earnings coverage of net charge-offs (x) | 10.7895% | 2,104 |
| Efficiency ratio | 62.1597% | 5,209 |
| Assets per employee ($millions) | 2.9206% | 6,128 |
| Cash dividends to net income (ytd only)* | 86.8984% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0165% | 68 |
| Loan loss allowance to noncurrent loans | 1,704.1667% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 6,525 |
| Noncurrent loans to loans | 0.3530% | 5,605 |
| Net loans and leases to total assets | 12.1533% | 7,004 |
| Net loans and leases to deposits | 13.6020% | 7,008 |
| Net loans and leases to core deposits | 14.6735% | 6,996 |
| Total domestic deposits to total assets | 89.3494% | 1,336 |
| Equity capital to assets | 10.5669% | 3,444 |
| Core capital (leverage) ratio | 9.4745% | 4,142 |
| Tier 1 risk-based capital ratio | 80.3940% | 62 |
| Total risk-based capital ratio | 81.7021% | 62 |
| Memoranda: | ||
| Average total assets | $52,184,000 | 6,145 |
| Average earning assets | $49,848,800 | 6,059 |
| Average equity | $5,409,600 | 6,178 |
| Average total loans | $6,813,800 | 6,956 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 5,769 |
| Cost of funding earning assets | 0.1933% | 6,963 |
| Net interest margin | 3.7152% | 3,727 |
| Noninterest income to average assets | 0.6886% | 2,766 |
| Noninterest expense to average assets | 2.5341% | 4,974 |
| Loan and lease loss provision to assets | 0.1382% | 3,817 |
| Net operating income to assets | 1.5589% | 935 |
| Return on assets (ROA) | 1.5589% | 1,033 |
| Pretax return on assets | 1.5589% | 1,702 |
| Return on Equity (ROE) | 15.1115% | 880 |
| Retained earnings to average equity (ytd only) | -1.0174% | 6,280 |
| Net charge-offs to loans | 0.5867% | 1,871 |
| Credit loss provision to net charge-offs | 180.0000% | 1,546 |
| Earnings coverage of net charge-offs (x) | 22.0995% | 1,366 |
| Efficiency ratio | 59.8911% | 5,517 |
| Assets per employee ($millions) | 2.9430% | 6,144 |
| Cash dividends to net income (ytd only)* | 106.7329% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7720% | 46 |
| Loan loss allowance to noncurrent loans | 971.1111% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 6,521 |
| Noncurrent loans to loans | 0.6974% | 5,041 |
| Net loans and leases to total assets | 11.3565% | 7,109 |
| Net loans and leases to deposits | 12.6987% | 7,118 |
| Net loans and leases to core deposits | 14.0933% | 7,108 |
| Total domestic deposits to total assets | 89.4307% | 1,171 |
| Equity capital to assets | 10.4278% | 3,924 |
| Core capital (leverage) ratio | 9.3533% | 4,498 |
| Tier 1 risk-based capital ratio | 84.4883% | 56 |
| Total risk-based capital ratio | 85.8164% | 56 |
| Memoranda: | ||
| Average total assets | $52,087,500 | 6,217 |
| Average earning assets | $49,668,750 | 6,129 |
| Average equity | $5,373,250 | 6,252 |
| Average total loans | $6,817,750 | 7,051 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9904% | 5,669 |
| Cost of funding earning assets | 0.1993% | 7,034 |
| Net interest margin | 3.7911% | 3,402 |
| Noninterest income to average assets | 0.6681% | 2,842 |
| Noninterest expense to average assets | 2.4830% | 5,195 |
| Loan and lease loss provision to assets | 0.1390% | 3,781 |
| Net operating income to assets | 1.6450% | 764 |
| Return on assets (ROA) | 1.6450% | 853 |
| Pretax return on assets | 1.6450% | 1,413 |
| Return on Equity (ROE) | 16.0060% | 769 |
| Retained earnings to average equity (ytd only) | -8.4163% | 6,786 |
| Net charge-offs to loans | 0.2594% | 3,021 |
| Credit loss provision to net charge-offs | 400.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 51.3333% | 713 |
| Efficiency ratio | 58.1900% | 5,842 |
| Assets per employee ($millions) | 2.9238% | 6,197 |
| Cash dividends to net income (ytd only)* | 152.5822% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6205% | 58 |
| Loan loss allowance to noncurrent loans | 1,913.0435% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 6,718 |
| Noncurrent loans to loans | 0.3461% | 5,856 |
| Net loans and leases to total assets | 11.7920% | 7,170 |
| Net loans and leases to deposits | 13.1380% | 7,179 |
| Net loans and leases to core deposits | 14.5849% | 7,171 |
| Total domestic deposits to total assets | 89.7547% | 1,070 |
| Equity capital to assets | 10.0686% | 4,231 |
| Core capital (leverage) ratio | 9.0494% | 4,843 |
| Tier 1 risk-based capital ratio | 79.5969% | 59 |
| Total risk-based capital ratio | 80.9294% | 60 |
| Memoranda: | ||
| Average total assets | $51,792,000 | 6,266 |
| Average earning assets | $49,168,000 | 6,190 |
| Average equity | $5,323,000 | 6,296 |
| Average total loans | $6,939,330 | 7,104 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1093% | 5,419 |
| Cost of funding earning assets | 0.2067% | 7,095 |
| Net interest margin | 3.9026% | 2,908 |
| Noninterest income to average assets | 0.6385% | 3,001 |
| Noninterest expense to average assets | 2.5538% | 4,978 |
| Loan and lease loss provision to assets | 0.1402% | 3,603 |
| Net operating income to assets | 1.6195% | 832 |
| Return on assets (ROA) | 1.6195% | 932 |
| Pretax return on assets | 1.6195% | 1,505 |
| Return on Equity (ROE) | 15.5951% | 867 |
| Retained earnings to average equity (ytd only) | -33.1396% | 7,153 |
| Net charge-offs to loans | 0.3951% | 2,117 |
| Credit loss provision to net charge-offs | 257.1429% | 1,116 |
| Earnings coverage of net charge-offs (x) | 32.2857% | 873 |
| Efficiency ratio | 59.2058% | 5,741 |
| Assets per employee ($millions) | 2.9381% | 6,274 |
| Cash dividends to net income (ytd only)* | 312.5000% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0823% | 81 |
| Loan loss allowance to noncurrent loans | 8,480.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 6,907 |
| Noncurrent loans to loans | 0.0717% | 6,574 |
| Net loans and leases to total assets | 12.3797% | 7,223 |
| Net loans and leases to deposits | 13.7248% | 7,234 |
| Net loans and leases to core deposits | 15.2192% | 7,225 |
| Total domestic deposits to total assets | 90.1995% | 975 |
| Equity capital to assets | 9.6549% | 4,581 |
| Core capital (leverage) ratio | 8.9319% | 4,940 |
| Tier 1 risk-based capital ratio | 73.3752% | 62 |
| Total risk-based capital ratio | 74.6943% | 61 |
| Memoranda: | ||
| Average total assets | $51,373,500 | 6,327 |
| Average earning assets | $48,378,500 | 6,266 |
| Average equity | $5,335,000 | 6,320 |
| Average total loans | $7,086,000 | 7,160 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7784% | 3,910 |
| Cost of funding earning assets | 0.3232% | 7,066 |
| Net interest margin | 4.4551% | 1,245 |
| Noninterest income to average assets | 0.7184% | 2,502 |
| Noninterest expense to average assets | 2.6810% | 4,817 |
| Loan and lease loss provision to assets | 0.1402% | 4,865 |
| Net operating income to assets | 1.9762% | 325 |
| Return on assets (ROA) | 1.9762% | 343 |
| Pretax return on assets | 1.9762% | 558 |
| Return on Equity (ROE) | 19.9882% | 261 |
| Retained earnings to average equity (ytd only) | 11.1264% | 386 |
| Net charge-offs to loans | 0.2754% | 4,050 |
| Credit loss provision to net charge-offs | 342.8571% | 671 |
| Earnings coverage of net charge-offs (x) | 51.7619% | 541 |
| Efficiency ratio | 55.8847% | 6,324 |
| Assets per employee ($millions) | 2.7701% | 6,502 |
| Cash dividends to net income (ytd only)* | 44.3350% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7353% | 110 |
| Loan loss allowance to noncurrent loans | 764.8148% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 6,684 |
| Noncurrent loans to loans | 0.7499% | 5,200 |
| Net loans and leases to total assets | 13.6136% | 7,270 |
| Net loans and leases to deposits | 15.3425% | 7,281 |
| Net loans and leases to core deposits | 16.0079% | 7,273 |
| Total domestic deposits to total assets | 88.7309% | 1,698 |
| Equity capital to assets | 11.1588% | 2,836 |
| Core capital (leverage) ratio | 9.6954% | 3,751 |
| Tier 1 risk-based capital ratio | 77.7709% | 57 |
| Total risk-based capital ratio | 79.0922% | 57 |
| Memoranda: | ||
| Average total assets | $51,361,000 | 6,325 |
| Average earning assets | $47,024,400 | 6,293 |
| Average equity | $5,078,000 | 6,415 |
| Average total loans | $7,625,600 | 7,194 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 3,774 |
| Cost of funding earning assets | 0.3375% | 7,150 |
| Net interest margin | 4.5136% | 1,108 |
| Noninterest income to average assets | 0.7139% | 2,515 |
| Noninterest expense to average assets | 2.7343% | 4,599 |
| Loan and lease loss provision to assets | 0.1392% | 4,703 |
| Net operating income to assets | 1.9767% | 356 |
| Return on assets (ROA) | 1.9767% | 389 |
| Pretax return on assets | 1.9767% | 653 |
| Return on Equity (ROE) | 20.6323% | 273 |
| Retained earnings to average equity (ytd only) | 8.5274% | 1,304 |
| Net charge-offs to loans | 0.1552% | 4,528 |
| Credit loss provision to net charge-offs | 600.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 91.2200% | 391 |
| Efficiency ratio | 56.3762% | 6,230 |
| Assets per employee ($millions) | 2.9851% | 6,158 |
| Cash dividends to net income (ytd only)* | 58.6707% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7219% | 116 |
| Loan loss allowance to noncurrent loans | 1,628.0000% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 6,923 |
| Noncurrent loans to loans | 0.3515% | 6,146 |
| Net loans and leases to total assets | 13.2148% | 7,348 |
| Net loans and leases to deposits | 14.8209% | 7,358 |
| Net loans and leases to core deposits | 15.9064% | 7,348 |
| Total domestic deposits to total assets | 89.1637% | 1,324 |
| Equity capital to assets | 10.5151% | 3,690 |
| Core capital (leverage) ratio | 9.4330% | 4,249 |
| Tier 1 risk-based capital ratio | 71.0869% | 79 |
| Total risk-based capital ratio | 72.4025% | 78 |
| Memoranda: | ||
| Average total assets | $51,735,750 | 6,369 |
| Average earning assets | $47,411,000 | 6,325 |
| Average equity | $4,956,500 | 6,513 |
| Average total loans | $7,731,750 | 7,266 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 3,434 |
| Cost of funding earning assets | 0.3654% | 7,200 |
| Net interest margin | 4.5760% | 954 |
| Noninterest income to average assets | 0.7106% | 2,494 |
| Noninterest expense to average assets | 2.6966% | 4,838 |
| Loan and lease loss provision to assets | 0.1383% | 4,573 |
| Net operating income to assets | 2.0128% | 336 |
| Return on assets (ROA) | 2.0128% | 350 |
| Pretax return on assets | 2.0128% | 578 |
| Return on Equity (ROE) | 21.6977% | 245 |
| Retained earnings to average equity (ytd only) | 3.0642% | 4,325 |
| Net charge-offs to loans | -0.0252% | 6,880 |
| Credit loss provision to net charge-offs | -3,600.0000% | 6,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6260% | 6,451 |
| Assets per employee ($millions) | 2.8342% | 6,414 |
| Cash dividends to net income (ytd only)* | 85.8779% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0828% | 179 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 7,000 |
| Noncurrent loans to loans | 0.2420% | 6,438 |
| Net loans and leases to total assets | 14.6052% | 7,415 |
| Net loans and leases to deposits | 16.2892% | 7,429 |
| Net loans and leases to core deposits | 17.5694% | 7,419 |
| Total domestic deposits to total assets | 89.6621% | 1,141 |
| Equity capital to assets | 9.8675% | 4,314 |
| Core capital (leverage) ratio | 8.7820% | 5,077 |
| Tier 1 risk-based capital ratio | 63.2287% | 98 |
| Total risk-based capital ratio | 64.5320% | 98 |
| Memoranda: | ||
| Average total assets | $52,065,670 | 6,408 |
| Average earning assets | $47,071,670 | 6,396 |
| Average equity | $4,830,000 | 6,585 |
| Average total loans | $7,938,000 | 7,329 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7822% | 4,139 |
| Cost of funding earning assets | 0.3744% | 7,278 |
| Net interest margin | 4.4078% | 1,258 |
| Noninterest income to average assets | 0.6921% | 2,621 |
| Noninterest expense to average assets | 2.7381% | 4,683 |
| Loan and lease loss provision to assets | 0.1369% | 4,300 |
| Net operating income to assets | 1.7570% | 530 |
| Return on assets (ROA) | 1.7570% | 558 |
| Pretax return on assets | 1.7570% | 887 |
| Return on Equity (ROE) | 19.5431% | 362 |
| Retained earnings to average equity (ytd only) | 19.5431% | 178 |
| Net charge-offs to loans | -0.0501% | 6,888 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1133% | 6,114 |
| Assets per employee ($millions) | 3.0613% | 6,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7943% | 227 |
| Loan loss allowance to noncurrent loans | 3,463.6364% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 7,131 |
| Noncurrent loans to loans | 0.1384% | 6,696 |
| Net loans and leases to total assets | 14.5383% | 7,479 |
| Net loans and leases to deposits | 16.1143% | 7,490 |
| Net loans and leases to core deposits | 17.4227% | 7,477 |
| Total domestic deposits to total assets | 90.2194% | 1,009 |
| Equity capital to assets | 9.3521% | 4,647 |
| Core capital (leverage) ratio | 8.8446% | 4,865 |
| Tier 1 risk-based capital ratio | 64.2493% | 90 |
| Total risk-based capital ratio | 65.5429% | 89 |
| Memoranda: | ||
| Average total assets | $52,590,500 | 6,435 |
| Average earning assets | $47,008,000 | 6,452 |
| Average equity | $4,728,000 | 6,642 |
| Average total loans | $7,982,000 | 7,385 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9191% | 4,922 |
| Cost of funding earning assets | 0.4242% | 7,406 |
| Net interest margin | 4.4949% | 1,237 |
| Noninterest income to average assets | 0.8142% | 2,209 |
| Noninterest expense to average assets | 3.2288% | 2,982 |
| Loan and lease loss provision to assets | 0.1433% | 5,750 |
| Net operating income to assets | 1.6184% | 604 |
| Return on assets (ROA) | 1.6184% | 647 |
| Pretax return on assets | 1.6184% | 1,088 |
| Return on Equity (ROE) | 16.4256% | 538 |
| Retained earnings to average equity (ytd only) | -7.8188% | 6,521 |
| Net charge-offs to loans | 0.8538% | 2,500 |
| Credit loss provision to net charge-offs | 102.8571% | 4,390 |
| Earnings coverage of net charge-offs (x) | 12.6429% | 1,482 |
| Efficiency ratio | 64.6988% | 5,224 |
| Assets per employee ($millions) | 3.1258% | 5,830 |
| Cash dividends to net income (ytd only)* | 147.6015% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5154% | 270 |
| Loan loss allowance to noncurrent loans | 5,171.4286% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 7,215 |
| Noncurrent loans to loans | 0.0873% | 6,914 |
| Net loans and leases to total assets | 14.4056% | 7,566 |
| Net loans and leases to deposits | 15.8374% | 7,580 |
| Net loans and leases to core deposits | 16.5146% | 7,566 |
| Total domestic deposits to total assets | 90.9596% | 615 |
| Equity capital to assets | 8.6358% | 5,678 |
| Core capital (leverage) ratio | 8.4920% | 5,385 |
| Tier 1 risk-based capital ratio | 58.6804% | 111 |
| Total risk-based capital ratio | 59.9762% | 109 |
| Memoranda: | ||
| Average total assets | $50,235,400 | 6,526 |
| Average earning assets | $46,674,800 | 6,492 |
| Average equity | $4,949,600 | 6,680 |
| Average total loans | $8,198,200 | 7,458 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 4,671 |
| Cost of funding earning assets | 0.4361% | 7,532 |
| Net interest margin | 4.5947% | 1,058 |
| Noninterest income to average assets | 0.8295% | 2,088 |
| Noninterest expense to average assets | 3.2478% | 2,749 |
| Loan and lease loss provision to assets | 0.1454% | 5,582 |
| Net operating income to assets | 1.7774% | 538 |
| Return on assets (ROA) | 1.7774% | 586 |
| Pretax return on assets | 1.7774% | 967 |
| Return on Equity (ROE) | 17.4608% | 535 |
| Retained earnings to average equity (ytd only) | 1.5874% | 5,159 |
| Net charge-offs to loans | 0.5823% | 2,990 |
| Credit loss provision to net charge-offs | 150.0000% | 2,593 |
| Earnings coverage of net charge-offs (x) | 19.8329% | 1,193 |
| Efficiency ratio | 62.8125% | 5,465 |
| Assets per employee ($millions) | 2.7056% | 6,770 |
| Cash dividends to net income (ytd only)* | 90.9089% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7297% | 212 |
| Loan loss allowance to noncurrent loans | 2,907.6923% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 7,290 |
| Noncurrent loans to loans | 0.1627% | 6,857 |
| Net loans and leases to total assets | 15.6345% | 7,660 |
| Net loans and leases to deposits | 17.5381% | 7,677 |
| Net loans and leases to core deposits | 19.0818% | 7,658 |
| Total domestic deposits to total assets | 89.1458% | 1,314 |
| Equity capital to assets | 10.4579% | 3,564 |
| Core capital (leverage) ratio | 10.0639% | 3,189 |
| Tier 1 risk-based capital ratio | 62.9429% | 98 |
| Total risk-based capital ratio | 64.2314% | 97 |
| Memoranda: | ||
| Average total assets | $49,509,500 | 6,641 |
| Average earning assets | $46,777,000 | 6,568 |
| Average equity | $5,039,750 | 6,737 |
| Average total loans | $8,243,500 | 7,556 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1776% | 4,057 |
| Cost of funding earning assets | 0.4478% | 7,608 |
| Net interest margin | 4.7298% | 770 |
| Noninterest income to average assets | 0.7915% | 2,164 |
| Noninterest expense to average assets | 3.0213% | 3,630 |
| Loan and lease loss provision to assets | 0.1446% | 5,450 |
| Net operating income to assets | 2.0812% | 287 |
| Return on assets (ROA) | 2.0812% | 313 |
| Pretax return on assets | 2.0812% | 508 |
| Return on Equity (ROE) | 20.6292% | 279 |
| Retained earnings to average equity (ytd only) | -3.2656% | 6,333 |
| Net charge-offs to loans | 0.6725% | 2,539 |
| Credit loss provision to net charge-offs | 128.5714% | 3,127 |
| Earnings coverage of net charge-offs (x) | 19.7857% | 1,244 |
| Efficiency ratio | 57.5804% | 6,438 |
| Assets per employee ($millions) | 2.5436% | 7,041 |
| Cash dividends to net income (ytd only)* | 115.8301% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3269% | 290 |
| Loan loss allowance to noncurrent loans | 2,044.4444% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 7,306 |
| Noncurrent loans to loans | 0.2116% | 6,831 |
| Net loans and leases to total assets | 16.8370% | 7,720 |
| Net loans and leases to deposits | 19.3743% | 7,734 |
| Net loans and leases to core deposits | 21.1373% | 7,724 |
| Total domestic deposits to total assets | 86.9041% | 2,583 |
| Equity capital to assets | 10.2570% | 3,697 |
| Core capital (leverage) ratio | 9.4397% | 3,911 |
| Tier 1 risk-based capital ratio | 59.8637% | 108 |
| Total risk-based capital ratio | 61.1511% | 107 |
| Memoranda: | ||
| Average total assets | $49,779,330 | 6,657 |
| Average earning assets | $46,894,330 | 6,592 |
| Average equity | $5,022,000 | 6,774 |
| Average total loans | $8,327,330 | 7,614 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0357% | 4,854 |
| Cost of funding earning assets | 0.4547% | 7,732 |
| Net interest margin | 4.5810% | 990 |
| Noninterest income to average assets | 0.7366% | 2,376 |
| Noninterest expense to average assets | 3.0888% | 3,315 |
| Loan and lease loss provision to assets | 0.1426% | 5,124 |
| Net operating income to assets | 1.8137% | 481 |
| Return on assets (ROA) | 1.8137% | 529 |
| Pretax return on assets | 1.8137% | 857 |
| Return on Equity (ROE) | 18.1225% | 504 |
| Retained earnings to average equity (ytd only) | 18.1225% | 241 |
| Net charge-offs to loans | 0.7283% | 2,046 |
| Credit loss provision to net charge-offs | 120.0000% | 2,902 |
| Earnings coverage of net charge-offs (x) | 16.4667% | 1,327 |
| Efficiency ratio | 61.2245% | 5,959 |
| Assets per employee ($millions) | 2.2689% | 7,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4425% | 265 |
| Loan loss allowance to noncurrent loans | 1,344.4444% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 7,352 |
| Noncurrent loans to loans | 0.3304% | 6,635 |
| Net loans and leases to total assets | 15.6423% | 7,828 |
| Net loans and leases to deposits | 17.4961% | 7,847 |
| Net loans and leases to core deposits | 18.0795% | 7,832 |
| Total domestic deposits to total assets | 89.4042% | 1,296 |
| Equity capital to assets | 10.3474% | 3,413 |
| Core capital (leverage) ratio | 10.1252% | 3,009 |
| Tier 1 risk-based capital ratio | 63.6123% | 97 |
| Total risk-based capital ratio | 64.9087% | 96 |
| Memoranda: | ||
| Average total assets | $50,505,000 | 6,718 |
| Average earning assets | $47,500,500 | 6,647 |
| Average equity | $5,054,500 | 6,829 |
| Average total loans | $8,238,500 | 7,718 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2970% | 5,189 |
| Cost of funding earning assets | 0.6636% | 7,726 |
| Net interest margin | 4.6334% | 928 |
| Noninterest income to average assets | 0.9857% | 1,623 |
| Noninterest expense to average assets | 3.3268% | 2,922 |
| Loan and lease loss provision to assets | 0.1556% | 6,116 |
| Net operating income to assets | 1.8201% | 345 |
| Return on assets (ROA) | 1.8201% | 356 |
| Pretax return on assets | 1.8201% | 610 |
| Return on Equity (ROE) | 15.9839% | 559 |
| Retained earnings to average equity (ytd only) | -2.9994% | 5,700 |
| Net charge-offs to loans | 0.3829% | 4,291 |
| Credit loss provision to net charge-offs | 225.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 28.5625% | 800 |
| Efficiency ratio | 62.7395% | 6,013 |
| Assets per employee ($millions) | 2.3225% | 7,447 |
| Cash dividends to net income (ytd only)* | 118.7648% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3342% | 286 |
| Loan loss allowance to noncurrent loans | 2,571.4286% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 7,452 |
| Noncurrent loans to loans | 0.1686% | 7,003 |
| Net loans and leases to total assets | 15.5517% | 7,905 |
| Net loans and leases to deposits | 17.2458% | 7,927 |
| Net loans and leases to core deposits | 18.5624% | 7,926 |
| Total domestic deposits to total assets | 90.1769% | 890 |
| Equity capital to assets | 9.6763% | 4,172 |
| Core capital (leverage) ratio | 9.7763% | 3,360 |
| Tier 1 risk-based capital ratio | 61.5591% | 109 |
| Total risk-based capital ratio | 62.8477% | 108 |
| Memoranda: | ||
| Average total assets | $46,261,000 | 6,860 |
| Average earning assets | $43,099,800 | 6,811 |
| Average equity | $5,267,800 | 6,848 |
| Average total loans | $8,356,200 | 7,772 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4182% | 4,859 |
| Cost of funding earning assets | 0.7138% | 7,798 |
| Net interest margin | 4.7044% | 822 |
| Noninterest income to average assets | 1.0299% | 1,494 |
| Noninterest expense to average assets | 3.4359% | 2,460 |
| Loan and lease loss provision to assets | 0.1598% | 5,748 |
| Net operating income to assets | 1.8230% | 420 |
| Return on assets (ROA) | 1.8230% | 448 |
| Pretax return on assets | 1.8230% | 765 |
| Return on Equity (ROE) | 15.3552% | 726 |
| Retained earnings to average equity (ytd only) | 15.3552% | 148 |
| Net charge-offs to loans | 0.3505% | 3,890 |
| Credit loss provision to net charge-offs | 245.4545% | 1,765 |
| Earnings coverage of net charge-offs (x) | 30.4572% | 928 |
| Efficiency ratio | 63.4080% | 5,857 |
| Assets per employee ($millions) | 1.9524% | 7,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2875% | 240 |
| Loan loss allowance to noncurrent loans | 2,070.5882% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 7,492 |
| Noncurrent loans to loans | 0.2071% | 6,983 |
| Net loans and leases to total assets | 16.0992% | 7,983 |
| Net loans and leases to deposits | 18.3145% | 8,007 |
| Net loans and leases to core deposits | 21.7727% | 7,992 |
| Total domestic deposits to total assets | 87.9041% | 1,703 |
| Equity capital to assets | 11.6820% | 2,447 |
| Core capital (leverage) ratio | 11.7420% | 1,942 |
| Tier 1 risk-based capital ratio | 73.5418% | 85 |
| Total risk-based capital ratio | 74.8292% | 84 |
| Memoranda: | ||
| Average total assets | $45,052,750 | 6,960 |
| Average earning assets | $42,030,000 | 6,907 |
| Average equity | $5,348,750 | 6,887 |
| Average total loans | $8,368,750 | 7,846 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5274% | 4,461 |
| Cost of funding earning assets | 0.7604% | 7,864 |
| Net interest margin | 4.7670% | 704 |
| Noninterest income to average assets | 1.0548% | 1,423 |
| Noninterest expense to average assets | 3.4977% | 2,341 |
| Loan and lease loss provision to assets | 0.1644% | 5,418 |
| Net operating income to assets | 1.8584% | 404 |
| Return on assets (ROA) | 1.8584% | 437 |
| Pretax return on assets | 1.8584% | 757 |
| Return on Equity (ROE) | 15.5611% | 751 |
| Retained earnings to average equity (ytd only) | 15.5611% | 179 |
| Net charge-offs to loans | 0.4750% | 2,932 |
| Credit loss provision to net charge-offs | 180.0000% | 2,538 |
| Earnings coverage of net charge-offs (x) | 22.1500% | 1,238 |
| Efficiency ratio | 63.3581% | 6,033 |
| Assets per employee ($millions) | 1.6479% | 8,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0996% | 240 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 7,534 |
| Noncurrent loans to loans | 0.1708% | 7,093 |
| Net loans and leases to total assets | 18.3448% | 8,048 |
| Net loans and leases to deposits | 22.2606% | 8,067 |
| Net loans and leases to core deposits | 27.1625% | 8,047 |
| Total domestic deposits to total assets | 82.4091% | 4,519 |
| Equity capital to assets | 12.6896% | 1,842 |
| Core capital (leverage) ratio | 12.1687% | 1,764 |
| Tier 1 risk-based capital ratio | 70.3196% | 102 |
| Total risk-based capital ratio | 71.6112% | 101 |
| Memoranda: | ||
| Average total assets | $43,800,330 | 7,060 |
| Average earning assets | $41,032,000 | 7,013 |
| Average equity | $5,231,000 | 6,988 |
| Average total loans | $8,421,670 | 7,932 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5871% | 4,439 |
| Cost of funding earning assets | 0.7845% | 7,925 |
| Net interest margin | 4.8026% | 604 |
| Noninterest income to average assets | 1.0118% | 1,449 |
| Noninterest expense to average assets | 3.5413% | 1,997 |
| Loan and lease loss provision to assets | 0.1626% | 4,856 |
| Net operating income to assets | 1.8429% | 485 |
| Return on assets (ROA) | 1.8429% | 541 |
| Pretax return on assets | 1.8429% | 905 |
| Return on Equity (ROE) | 15.9126% | 841 |
| Retained earnings to average equity (ytd only) | 15.9126% | 347 |
| Net charge-offs to loans | 0.1875% | 3,511 |
| Credit loss provision to net charge-offs | 450.0000% | 1,178 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 678 |
| Efficiency ratio | 63.8436% | 5,719 |
| Assets per employee ($millions) | 1.6883% | 8,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9743% | 229 |
| Loan loss allowance to noncurrent loans | 1,192.8571% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 7,406 |
| Noncurrent loans to loans | 0.3332% | 6,596 |
| Net loans and leases to total assets | 18.3844% | 8,102 |
| Net loans and leases to deposits | 21.0200% | 8,130 |
| Net loans and leases to core deposits | 26.2021% | 8,111 |
| Total domestic deposits to total assets | 87.4613% | 1,986 |
| Equity capital to assets | 12.0148% | 2,248 |
| Core capital (leverage) ratio | 11.5559% | 2,112 |
| Tier 1 risk-based capital ratio | 65.4428% | 123 |
| Total risk-based capital ratio | 66.7298% | 122 |
| Memoranda: | ||
| Average total assets | $44,277,500 | 7,094 |
| Average earning assets | $41,810,500 | 7,028 |
| Average equity | $5,128,000 | 7,070 |
| Average total loans | $8,534,500 | 7,977 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0760% | 5,165 |
| Cost of funding earning assets | 1.1963% | 7,948 |
| Net interest margin | 4.8797% | 654 |
| Noninterest income to average assets | 1.1183% | 1,250 |
| Noninterest expense to average assets | 3.3704% | 2,762 |
| Loan and lease loss provision to assets | 0.2696% | 4,241 |
| Net operating income to assets | 1.9847% | 368 |
| Return on assets (ROA) | 1.9847% | 348 |
| Pretax return on assets | 1.9316% | 719 |
| Return on Equity (ROE) | 20.1282% | 362 |
| Retained earnings to average equity (ytd only) | 20.1282% | 33 |
| Net charge-offs to loans | 0.4906% | 2,399 |
| Credit loss provision to net charge-offs | 283.7209% | 1,604 |
| Earnings coverage of net charge-offs (x) | 23.1628% | 1,429 |
| Efficiency ratio | 60.4919% | 6,260 |
| Assets per employee ($millions) | 1.7177% | 8,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6930% | 241 |
| Loan loss allowance to noncurrent loans | 969.6970% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 7,277 |
| Noncurrent loans to loans | 0.3808% | 6,206 |
| Net loans and leases to total assets | 18.6860% | 8,162 |
| Net loans and leases to deposits | 22.2302% | 8,183 |
| Net loans and leases to core deposits | 29.0837% | 8,157 |
| Total domestic deposits to total assets | 84.0570% | 3,301 |
| Equity capital to assets | 11.1556% | 2,913 |
| Core capital (leverage) ratio | 10.9111% | 2,659 |
| Tier 1 risk-based capital ratio | 59.9663% | 153 |
| Total risk-based capital ratio | 61.2542% | 152 |
| Memoranda: | ||
| Average total assets | $45,246,600 | 6,977 |
| Average earning assets | $41,293,800 | 6,979 |
| Average equity | $4,461,400 | 7,341 |
| Average total loans | $8,765,600 | 8,001 |