Home > First National Bank in Georgetown > Performance and Condition Ratios
First National Bank in Georgetown, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 2,693 |
| Cost of funding earning assets | 0.4427% | 2,593 |
| Net interest margin | 3.6978% | 2,701 |
| Noninterest income to average assets | 0.4419% | 3,602 |
| Noninterest expense to average assets | 2.1893% | 4,796 |
| Loan and lease loss provision to assets | 0.0499% | 3,398 |
| Net operating income to assets | 1.0096% | 2,312 |
| Return on assets (ROA) | 1.0096% | 2,409 |
| Pretax return on assets | 1.6161% | 1,229 |
| Return on Equity (ROE) | 9.0448% | 2,399 |
| Retained earnings to average equity (ytd only) | 4.9034% | 2,404 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7866% | 4,977 |
| Assets per employee ($millions) | 4.9660% | 2,431 |
| Cash dividends to net income (ytd only)* | 45.7875% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 4,088 |
| Loan loss allowance to noncurrent loans | 49.6568% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.6000% | 997 |
| Noncurrent loans to loans | 2.0901% | 843 |
| Net loans and leases to total assets | 75.7551% | 1,549 |
| Net loans and leases to deposits | 88.3438% | 1,881 |
| Net loans and leases to core deposits | 90.5415% | 2,449 |
| Total domestic deposits to total assets | 85.7504% | 2,700 |
| Equity capital to assets | 11.3334% | 2,305 |
| Core capital (leverage) ratio | 8.8392% | 4,922 |
| Tier 1 risk-based capital ratio | 11.4708% | 5,072 |
| Total risk-based capital ratio | 12.5218% | 5,081 |
| Memoranda: | ||
| Average total assets | $54,080,000 | 5,262 |
| Average earning assets | $49,922,200 | 5,252 |
| Average equity | $6,036,600 | 5,278 |
| Average total loans | $40,224,800 | 4,872 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1415% | 2,714 |
| Cost of funding earning assets | 0.4388% | 2,651 |
| Net interest margin | 3.7027% | 2,709 |
| Noninterest income to average assets | 0.3806% | 4,063 |
| Noninterest expense to average assets | 2.2171% | 4,729 |
| Loan and lease loss provision to assets | 0.0667% | 2,886 |
| Net operating income to assets | 0.9244% | 2,787 |
| Return on assets (ROA) | 0.9244% | 2,913 |
| Pretax return on assets | 1.5176% | 1,659 |
| Return on Equity (ROE) | 8.3136% | 2,848 |
| Retained earnings to average equity (ytd only) | 4.1345% | 3,370 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3225% | 4,772 |
| Assets per employee ($millions) | 5.0401% | 2,320 |
| Cash dividends to net income (ytd only)* | 50.2677% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 4,257 |
| Loan loss allowance to noncurrent loans | 58.1769% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 1.3456% | 1,400 |
| Noncurrent loans to loans | 1.7688% | 1,177 |
| Net loans and leases to total assets | 75.2890% | 1,653 |
| Net loans and leases to deposits | 87.5349% | 2,077 |
| Net loans and leases to core deposits | 89.5634% | 2,614 |
| Total domestic deposits to total assets | 86.0104% | 2,345 |
| Equity capital to assets | 11.0009% | 3,010 |
| Core capital (leverage) ratio | 8.7140% | 5,145 |
| Tier 1 risk-based capital ratio | 11.1989% | 5,255 |
| Total risk-based capital ratio | 12.2470% | 5,285 |
| Memoranda: | ||
| Average total assets | $53,943,500 | 5,316 |
| Average earning assets | $49,836,000 | 5,304 |
| Average equity | $5,998,000 | 5,335 |
| Average total loans | $39,827,000 | 4,928 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 2,757 |
| Cost of funding earning assets | 0.4378% | 2,673 |
| Net interest margin | 3.6890% | 2,736 |
| Noninterest income to average assets | 0.3518% | 4,261 |
| Noninterest expense to average assets | 2.2079% | 4,825 |
| Loan and lease loss provision to assets | 0.0674% | 2,792 |
| Net operating income to assets | 0.9056% | 2,832 |
| Return on assets (ROA) | 0.9056% | 2,964 |
| Pretax return on assets | 1.4819% | 1,733 |
| Return on Equity (ROE) | 8.1149% | 2,932 |
| Retained earnings to average equity (ytd only) | 3.9233% | 3,401 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7649% | 4,800 |
| Assets per employee ($millions) | 4.9813% | 2,318 |
| Cash dividends to net income (ytd only)* | 51.6529% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 4,238 |
| Loan loss allowance to noncurrent loans | 56.7423% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.3669% | 1,447 |
| Noncurrent loans to loans | 1.8472% | 1,100 |
| Net loans and leases to total assets | 73.2252% | 1,975 |
| Net loans and leases to deposits | 85.1832% | 2,334 |
| Net loans and leases to core deposits | 85.9533% | 2,903 |
| Total domestic deposits to total assets | 85.9620% | 2,439 |
| Equity capital to assets | 11.0158% | 3,042 |
| Core capital (leverage) ratio | 8.4320% | 5,419 |
| Tier 1 risk-based capital ratio | 11.4339% | 5,198 |
| Total risk-based capital ratio | 12.4984% | 5,200 |
| Memoranda: | ||
| Average total assets | $53,444,330 | 5,390 |
| Average earning assets | $49,336,000 | 5,370 |
| Average equity | $5,964,330 | 5,391 |
| Average total loans | $39,044,330 | 5,004 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 2,709 |
| Cost of funding earning assets | 0.4275% | 2,788 |
| Net interest margin | 3.7078% | 2,639 |
| Noninterest income to average assets | 0.3563% | 4,179 |
| Noninterest expense to average assets | 2.2210% | 4,857 |
| Loan and lease loss provision to assets | 0.0682% | 2,590 |
| Net operating income to assets | 0.9172% | 2,669 |
| Return on assets (ROA) | 0.9172% | 2,781 |
| Pretax return on assets | 1.4857% | 1,641 |
| Return on Equity (ROE) | 8.1640% | 2,822 |
| Retained earnings to average equity (ytd only) | 3.9133% | 3,536 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8353% | 4,897 |
| Assets per employee ($millions) | 5.0925% | 2,246 |
| Cash dividends to net income (ytd only)* | 52.0661% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 4,310 |
| Loan loss allowance to noncurrent loans | 58.5091% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 1,704 |
| Noncurrent loans to loans | 1.8042% | 1,231 |
| Net loans and leases to total assets | 69.6080% | 2,409 |
| Net loans and leases to deposits | 79.8007% | 2,818 |
| Net loans and leases to core deposits | 80.9975% | 3,235 |
| Total domestic deposits to total assets | 87.2273% | 2,087 |
| Equity capital to assets | 10.6430% | 3,319 |
| Core capital (leverage) ratio | 8.9026% | 4,964 |
| Tier 1 risk-based capital ratio | 11.4656% | 5,252 |
| Total risk-based capital ratio | 12.5248% | 5,261 |
| Memoranda: | ||
| Average total assets | $52,769,500 | 5,454 |
| Average earning assets | $48,654,000 | 5,433 |
| Average equity | $5,928,500 | 5,436 |
| Average total loans | $38,292,500 | 5,067 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 2,731 |
| Cost of funding earning assets | 0.3791% | 3,381 |
| Net interest margin | 3.7731% | 2,465 |
| Noninterest income to average assets | 0.5184% | 3,206 |
| Noninterest expense to average assets | 2.2412% | 4,945 |
| Loan and lease loss provision to assets | 0.0605% | 3,091 |
| Net operating income to assets | 1.0631% | 2,075 |
| Return on assets (ROA) | 1.0631% | 2,152 |
| Pretax return on assets | 1.6905% | 1,023 |
| Return on Equity (ROE) | 9.1252% | 2,398 |
| Retained earnings to average equity (ytd only) | 4.3635% | 2,874 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1395% | 5,331 |
| Assets per employee ($millions) | 4.5019% | 3,045 |
| Cash dividends to net income (ytd only)* | 52.1822% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 4,081 |
| Loan loss allowance to noncurrent loans | 57.0827% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.4398% | 1,437 |
| Noncurrent loans to loans | 1.9179% | 1,112 |
| Net loans and leases to total assets | 74.2493% | 1,688 |
| Net loans and leases to deposits | 85.9591% | 2,139 |
| Net loans and leases to core deposits | 86.8115% | 2,716 |
| Total domestic deposits to total assets | 86.3775% | 2,445 |
| Equity capital to assets | 11.9040% | 2,027 |
| Core capital (leverage) ratio | 9.2684% | 4,519 |
| Tier 1 risk-based capital ratio | 12.0724% | 4,901 |
| Total risk-based capital ratio | 13.1643% | 4,914 |
| Memoranda: | ||
| Average total assets | $49,572,200 | 5,554 |
| Average earning assets | $45,638,600 | 5,537 |
| Average equity | $5,775,200 | 5,487 |
| Average total loans | $37,399,000 | 5,103 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 2,724 |
| Cost of funding earning assets | 0.3679% | 3,570 |
| Net interest margin | 3.7902% | 2,426 |
| Noninterest income to average assets | 0.5270% | 3,186 |
| Noninterest expense to average assets | 2.2748% | 4,843 |
| Loan and lease loss provision to assets | 0.0645% | 2,894 |
| Net operating income to assets | 1.0352% | 2,298 |
| Return on assets (ROA) | 1.0352% | 2,395 |
| Pretax return on assets | 1.6779% | 1,167 |
| Return on Equity (ROE) | 8.9347% | 2,610 |
| Retained earnings to average equity (ytd only) | 4.2933% | 3,412 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6265% | 5,264 |
| Assets per employee ($millions) | 4.5550% | 2,911 |
| Cash dividends to net income (ytd only)* | 51.9481% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 4,145 |
| Loan loss allowance to noncurrent loans | 56.1625% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 1.4250% | 1,604 |
| Noncurrent loans to loans | 1.9839% | 1,170 |
| Net loans and leases to total assets | 71.0288% | 2,229 |
| Net loans and leases to deposits | 80.6824% | 2,801 |
| Net loans and leases to core deposits | 81.9400% | 3,259 |
| Total domestic deposits to total assets | 88.0351% | 1,536 |
| Equity capital to assets | 11.6515% | 2,378 |
| Core capital (leverage) ratio | 9.3579% | 4,505 |
| Tier 1 risk-based capital ratio | 12.1700% | 4,983 |
| Total risk-based capital ratio | 13.2694% | 4,986 |
| Memoranda: | ||
| Average total assets | $49,585,000 | 5,619 |
| Average earning assets | $45,660,500 | 5,606 |
| Average equity | $5,745,250 | 5,567 |
| Average total loans | $37,454,750 | 5,162 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1706% | 2,648 |
| Cost of funding earning assets | 0.3604% | 3,696 |
| Net interest margin | 3.8103% | 2,272 |
| Noninterest income to average assets | 0.4857% | 3,465 |
| Noninterest expense to average assets | 2.2788% | 4,894 |
| Loan and lease loss provision to assets | 0.0729% | 2,651 |
| Net operating income to assets | 1.0079% | 2,350 |
| Return on assets (ROA) | 1.0079% | 2,456 |
| Pretax return on assets | 1.6433% | 1,207 |
| Return on Equity (ROE) | 8.7149% | 2,696 |
| Retained earnings to average equity (ytd only) | 4.3400% | 3,258 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0415% | 5,335 |
| Assets per employee ($millions) | 4.3135% | 3,279 |
| Cash dividends to net income (ytd only)* | 50.2008% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 4,252 |
| Loan loss allowance to noncurrent loans | 49.6231% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 1.6776% | 1,421 |
| Noncurrent loans to loans | 2.2454% | 1,060 |
| Net loans and leases to total assets | 73.8814% | 1,681 |
| Net loans and leases to deposits | 84.4438% | 2,258 |
| Net loans and leases to core deposits | 84.9719% | 2,885 |
| Total domestic deposits to total assets | 87.4918% | 1,909 |
| Equity capital to assets | 12.1773% | 1,891 |
| Core capital (leverage) ratio | 9.2240% | 4,658 |
| Tier 1 risk-based capital ratio | 12.1360% | 5,051 |
| Total risk-based capital ratio | 13.2304% | 5,067 |
| Memoranda: | ||
| Average total assets | $49,411,670 | 5,682 |
| Average earning assets | $45,508,670 | 5,671 |
| Average equity | $5,714,330 | 5,626 |
| Average total loans | $37,943,000 | 5,188 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 2,920 |
| Cost of funding earning assets | 0.3442% | 3,938 |
| Net interest margin | 3.7344% | 2,495 |
| Noninterest income to average assets | 0.4842% | 3,394 |
| Noninterest expense to average assets | 2.2305% | 5,072 |
| Loan and lease loss provision to assets | 0.0714% | 2,513 |
| Net operating income to assets | 1.0001% | 2,272 |
| Return on assets (ROA) | 1.0001% | 2,403 |
| Pretax return on assets | 1.6272% | 1,197 |
| Return on Equity (ROE) | 8.8693% | 2,511 |
| Retained earnings to average equity (ytd only) | 4.4347% | 3,363 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7677% | 5,461 |
| Assets per employee ($millions) | 4.9840% | 2,377 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 5,087 |
| Loan loss allowance to noncurrent loans | 48.1898% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 1.6071% | 1,591 |
| Noncurrent loans to loans | 2.0537% | 1,264 |
| Net loans and leases to total assets | 77.4799% | 999 |
| Net loans and leases to deposits | 87.7856% | 1,634 |
| Net loans and leases to core deposits | 91.2239% | 2,005 |
| Total domestic deposits to total assets | 88.2604% | 1,682 |
| Equity capital to assets | 11.4687% | 2,495 |
| Core capital (leverage) ratio | 8.8723% | 5,108 |
| Tier 1 risk-based capital ratio | 10.6275% | 5,971 |
| Total risk-based capital ratio | 11.5778% | 6,017 |
| Memoranda: | ||
| Average total assets | $50,393,000 | 5,714 |
| Average earning assets | $46,487,000 | 5,696 |
| Average equity | $5,682,500 | 5,682 |
| Average total loans | $39,189,000 | 5,169 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1616% | 3,078 |
| Cost of funding earning assets | 0.3584% | 4,157 |
| Net interest margin | 3.8032% | 2,613 |
| Noninterest income to average assets | 0.4227% | 4,022 |
| Noninterest expense to average assets | 2.2038% | 5,350 |
| Loan and lease loss provision to assets | 0.0821% | 2,837 |
| Net operating income to assets | 0.9997% | 2,383 |
| Return on assets (ROA) | 0.9997% | 2,460 |
| Pretax return on assets | 1.6448% | 1,109 |
| Return on Equity (ROE) | 9.0408% | 2,563 |
| Retained earnings to average equity (ytd only) | 4.5114% | 2,961 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0652% | 5,657 |
| Assets per employee ($millions) | 4.6315% | 2,830 |
| Cash dividends to net income (ytd only)* | 50.1002% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 5,260 |
| Loan loss allowance to noncurrent loans | 46.7162% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 1.5840% | 1,708 |
| Noncurrent loans to loans | 2.0495% | 1,338 |
| Net loans and leases to total assets | 76.5497% | 1,187 |
| Net loans and leases to deposits | 90.8517% | 1,423 |
| Net loans and leases to core deposits | 94.4995% | 1,866 |
| Total domestic deposits to total assets | 84.2578% | 3,605 |
| Equity capital to assets | 11.0882% | 2,818 |
| Core capital (leverage) ratio | 8.6960% | 5,349 |
| Tier 1 risk-based capital ratio | 11.3156% | 5,761 |
| Total risk-based capital ratio | 10.4240% | 6,376 |
| Memoranda: | ||
| Average total assets | $49,914,600 | 5,786 |
| Average earning assets | $46,039,800 | 5,773 |
| Average equity | $5,519,400 | 5,738 |
| Average total loans | $37,301,200 | 5,283 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1616% | 3,125 |
| Cost of funding earning assets | 0.3550% | 4,282 |
| Net interest margin | 3.8065% | 2,600 |
| Noninterest income to average assets | 0.3813% | 4,391 |
| Noninterest expense to average assets | 2.2071% | 5,334 |
| Loan and lease loss provision to assets | 0.0967% | 2,432 |
| Net operating income to assets | 0.9532% | 2,671 |
| Return on assets (ROA) | 0.9532% | 2,753 |
| Pretax return on assets | 1.5895% | 1,359 |
| Return on Equity (ROE) | 8.6262% | 2,891 |
| Retained earnings to average equity (ytd only) | 4.0822% | 3,743 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6897% | 5,591 |
| Assets per employee ($millions) | 4.6576% | 2,723 |
| Cash dividends to net income (ytd only)* | 52.6768% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 5,309 |
| Loan loss allowance to noncurrent loans | 45.8693% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 1.5829% | 1,930 |
| Noncurrent loans to loans | 2.1298% | 1,459 |
| Net loans and leases to total assets | 73.5976% | 1,585 |
| Net loans and leases to deposits | 83.6632% | 2,200 |
| Net loans and leases to core deposits | 86.8545% | 2,563 |
| Total domestic deposits to total assets | 87.9689% | 1,789 |
| Equity capital to assets | 10.8853% | 3,081 |
| Core capital (leverage) ratio | 8.9332% | 5,150 |
| Tier 1 risk-based capital ratio | 11.4524% | 5,813 |
| Total risk-based capital ratio | 10.5756% | 6,437 |
| Memoranda: | ||
| Average total assets | $49,656,750 | 5,860 |
| Average earning assets | $45,814,750 | 5,844 |
| Average equity | $5,487,000 | 5,806 |
| Average total loans | $36,782,500 | 5,354 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 3,246 |
| Cost of funding earning assets | 0.3529% | 4,408 |
| Net interest margin | 3.7717% | 2,661 |
| Noninterest income to average assets | 0.3501% | 4,630 |
| Noninterest expense to average assets | 2.2308% | 5,342 |
| Loan and lease loss provision to assets | 0.1181% | 2,074 |
| Net operating income to assets | 0.8589% | 3,019 |
| Return on assets (ROA) | 0.8589% | 3,122 |
| Pretax return on assets | 1.4818% | 1,593 |
| Return on Equity (ROE) | 7.7332% | 3,241 |
| Retained earnings to average equity (ytd only) | 3.1519% | 4,197 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2359% | 5,527 |
| Assets per employee ($millions) | 4.4881% | 2,940 |
| Cash dividends to net income (ytd only)* | 59.2417% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 5,440 |
| Loan loss allowance to noncurrent loans | 48.2166% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 1.5334% | 2,124 |
| Noncurrent loans to loans | 2.0291% | 1,664 |
| Net loans and leases to total assets | 74.8304% | 1,327 |
| Net loans and leases to deposits | 85.2970% | 1,889 |
| Net loans and leases to core deposits | 86.3053% | 2,483 |
| Total domestic deposits to total assets | 87.7291% | 2,071 |
| Equity capital to assets | 11.1224% | 2,765 |
| Core capital (leverage) ratio | 8.6201% | 5,511 |
| Tier 1 risk-based capital ratio | 11.7222% | 5,681 |
| Total risk-based capital ratio | 10.8130% | 6,466 |
| Memoranda: | ||
| Average total assets | $49,131,000 | 5,921 |
| Average earning assets | $45,338,000 | 5,901 |
| Average equity | $5,457,000 | 5,847 |
| Average total loans | $36,350,330 | 5,405 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 2,090 |
| Cost of funding earning assets | 0.3443% | 4,596 |
| Net interest margin | 4.0692% | 1,547 |
| Noninterest income to average assets | 0.3020% | 4,939 |
| Noninterest expense to average assets | 2.2199% | 5,415 |
| Loan and lease loss provision to assets | 0.0735% | 2,672 |
| Net operating income to assets | 1.1018% | 1,809 |
| Return on assets (ROA) | 1.1018% | 1,867 |
| Pretax return on assets | 1.7710% | 840 |
| Return on Equity (ROE) | 9.9265% | 2,065 |
| Retained earnings to average equity (ytd only) | 5.2941% | 2,919 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6185% | 5,962 |
| Assets per employee ($millions) | 4.7086% | 2,653 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 5,587 |
| Loan loss allowance to noncurrent loans | 112.3779% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.5927% | 4,375 |
| Noncurrent loans to loans | 0.8747% | 3,703 |
| Net loans and leases to total assets | 67.0972% | 2,378 |
| Net loans and leases to deposits | 75.9529% | 2,816 |
| Net loans and leases to core deposits | 78.9841% | 3,093 |
| Total domestic deposits to total assets | 88.3406% | 2,030 |
| Equity capital to assets | 10.5724% | 3,175 |
| Core capital (leverage) ratio | 8.7665% | 5,302 |
| Tier 1 risk-based capital ratio | 12.1848% | 5,520 |
| Total risk-based capital ratio | 11.5710% | 6,346 |
| Memoranda: | ||
| Average total assets | $49,012,000 | 5,987 |
| Average earning assets | $45,315,500 | 5,963 |
| Average equity | $5,440,000 | 5,889 |
| Average total loans | $35,871,500 | 5,467 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 2,946 |
| Cost of funding earning assets | 0.3752% | 4,892 |
| Net interest margin | 3.9292% | 2,186 |
| Noninterest income to average assets | 0.6274% | 2,933 |
| Noninterest expense to average assets | 2.2551% | 5,491 |
| Loan and lease loss provision to assets | 0.0297% | 4,515 |
| Net operating income to assets | 1.2674% | 1,340 |
| Return on assets (ROA) | 1.2674% | 1,396 |
| Pretax return on assets | 1.9605% | 527 |
| Return on Equity (ROE) | 11.4323% | 1,621 |
| Retained earnings to average equity (ytd only) | 6.9014% | 1,474 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1203% | 6,207 |
| Assets per employee ($millions) | 4.2026% | 3,438 |
| Cash dividends to net income (ytd only)* | 39.6321% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 5,872 |
| Loan loss allowance to noncurrent loans | 264.5669% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 5,435 |
| Noncurrent loans to loans | 0.3466% | 5,148 |
| Net loans and leases to total assets | 78.5416% | 762 |
| Net loans and leases to deposits | 91.7126% | 1,088 |
| Net loans and leases to core deposits | 95.0871% | 1,524 |
| Total domestic deposits to total assets | 85.6389% | 3,437 |
| Equity capital to assets | 11.6896% | 2,040 |
| Core capital (leverage) ratio | 8.9803% | 5,034 |
| Tier 1 risk-based capital ratio | 11.5916% | 5,861 |
| Total risk-based capital ratio | 10.9807% | 6,546 |
| Memoranda: | ||
| Average total assets | $47,182,200 | 6,089 |
| Average earning assets | $43,444,400 | 6,067 |
| Average equity | $5,230,800 | 6,009 |
| Average total loans | $33,449,200 | 5,602 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2748% | 3,094 |
| Cost of funding earning assets | 0.3725% | 5,075 |
| Net interest margin | 3.9023% | 2,264 |
| Noninterest income to average assets | 0.6354% | 2,950 |
| Noninterest expense to average assets | 2.2156% | 5,567 |
| Loan and lease loss provision to assets | 0.0253% | 4,500 |
| Net operating income to assets | 1.2737% | 1,419 |
| Return on assets (ROA) | 1.2737% | 1,491 |
| Pretax return on assets | 1.9878% | 590 |
| Return on Equity (ROE) | 11.6430% | 1,602 |
| Retained earnings to average equity (ytd only) | 7.1453% | 1,810 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3936% | 6,229 |
| Assets per employee ($millions) | 4.3240% | 3,178 |
| Cash dividends to net income (ytd only)* | 38.6321% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 5,906 |
| Loan loss allowance to noncurrent loans | 256.5891% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 5,631 |
| Noncurrent loans to loans | 0.3718% | 5,285 |
| Net loans and leases to total assets | 72.2479% | 1,562 |
| Net loans and leases to deposits | 82.4868% | 2,077 |
| Net loans and leases to core deposits | 87.7058% | 2,222 |
| Total domestic deposits to total assets | 87.5873% | 2,365 |
| Equity capital to assets | 11.1891% | 2,575 |
| Core capital (leverage) ratio | 9.1788% | 4,865 |
| Tier 1 risk-based capital ratio | 12.0181% | 5,769 |
| Total risk-based capital ratio | 11.4014% | 6,525 |
| Memoranda: | ||
| Average total assets | $47,420,500 | 6,150 |
| Average earning assets | $43,665,750 | 6,129 |
| Average equity | $5,187,500 | 6,094 |
| Average total loans | $32,650,250 | 5,699 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2579% | 3,125 |
| Cost of funding earning assets | 0.3850% | 5,083 |
| Net interest margin | 3.8729% | 2,301 |
| Noninterest income to average assets | 0.6291% | 3,021 |
| Noninterest expense to average assets | 2.1954% | 5,641 |
| Loan and lease loss provision to assets | 0.0253% | 4,411 |
| Net operating income to assets | 1.2750% | 1,386 |
| Return on assets (ROA) | 1.2750% | 1,480 |
| Pretax return on assets | 1.9758% | 631 |
| Return on Equity (ROE) | 11.7449% | 1,567 |
| Retained earnings to average equity (ytd only) | 7.3892% | 1,718 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3139% | 6,264 |
| Assets per employee ($millions) | 4.0181% | 3,758 |
| Cash dividends to net income (ytd only)* | 37.0861% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 5,716 |
| Loan loss allowance to noncurrent loans | 250.3817% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 5,579 |
| Noncurrent loans to loans | 0.4103% | 5,232 |
| Net loans and leases to total assets | 71.4994% | 1,649 |
| Net loans and leases to deposits | 82.3290% | 2,017 |
| Net loans and leases to core deposits | 83.8094% | 2,588 |
| Total domestic deposits to total assets | 86.8459% | 2,913 |
| Equity capital to assets | 11.8396% | 2,015 |
| Core capital (leverage) ratio | 8.8428% | 5,228 |
| Tier 1 risk-based capital ratio | 12.9415% | 5,184 |
| Total risk-based capital ratio | 12.3512% | 6,267 |
| Memoranda: | ||
| Average total assets | $47,372,670 | 6,200 |
| Average earning assets | $43,637,000 | 6,165 |
| Average equity | $5,142,670 | 6,144 |
| Average total loans | $31,968,670 | 5,756 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1078% | 3,692 |
| Cost of funding earning assets | 0.3895% | 5,207 |
| Net interest margin | 3.7183% | 2,783 |
| Noninterest income to average assets | 0.7190% | 2,487 |
| Noninterest expense to average assets | 2.1242% | 5,855 |
| Loan and lease loss provision to assets | 0.0245% | 4,161 |
| Net operating income to assets | 1.2909% | 1,303 |
| Return on assets (ROA) | 1.2909% | 1,403 |
| Pretax return on assets | 2.0017% | 592 |
| Return on Equity (ROE) | 12.3982% | 1,318 |
| Retained earnings to average equity (ytd only) | 8.4747% | 1,572 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1811% | 6,426 |
| Assets per employee ($millions) | 4.8640% | 2,401 |
| Cash dividends to net income (ytd only)* | 31.6456% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 5,661 |
| Loan loss allowance to noncurrent loans | 361.1111% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 6,015 |
| Noncurrent loans to loans | 0.3008% | 5,648 |
| Net loans and leases to total assets | 60.8491% | 3,277 |
| Net loans and leases to deposits | 68.9537% | 3,644 |
| Net loans and leases to core deposits | 74.2953% | 3,539 |
| Total domestic deposits to total assets | 88.2463% | 2,162 |
| Equity capital to assets | 10.5921% | 3,441 |
| Core capital (leverage) ratio | 8.3013% | 5,826 |
| Tier 1 risk-based capital ratio | 13.5698% | 4,819 |
| Total risk-based capital ratio | 12.9342% | 6,072 |
| Memoranda: | ||
| Average total assets | $48,959,500 | 6,208 |
| Average earning assets | $45,182,000 | 6,185 |
| Average equity | $5,097,500 | 6,219 |
| Average total loans | $31,988,000 | 5,795 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 2,626 |
| Cost of funding earning assets | 0.4819% | 5,338 |
| Net interest margin | 4.2119% | 1,628 |
| Noninterest income to average assets | 0.6545% | 2,965 |
| Noninterest expense to average assets | 2.2323% | 5,852 |
| Loan and lease loss provision to assets | 0.0815% | 4,679 |
| Net operating income to assets | 1.3729% | 1,146 |
| Return on assets (ROA) | 1.3729% | 1,267 |
| Pretax return on assets | 2.1926% | 416 |
| Return on Equity (ROE) | 12.9377% | 1,243 |
| Retained earnings to average equity (ytd only) | 8.7843% | 884 |
| Net charge-offs to loans | -0.0095% | 6,455 |
| Credit loss provision to net charge-offs | -1,233.3333% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5355% | 6,622 |
| Assets per employee ($millions) | 4.9279% | 2,319 |
| Cash dividends to net income (ytd only)* | 32.1027% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 6,140 |
| Loan loss allowance to noncurrent loans | 353.8462% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 6,099 |
| Noncurrent loans to loans | 0.2672% | 5,810 |
| Net loans and leases to total assets | 68.4511% | 2,109 |
| Net loans and leases to deposits | 77.2465% | 2,622 |
| Net loans and leases to core deposits | 83.1165% | 2,656 |
| Total domestic deposits to total assets | 88.6138% | 1,832 |
| Equity capital to assets | 10.2336% | 3,849 |
| Core capital (leverage) ratio | 8.3202% | 5,867 |
| Tier 1 risk-based capital ratio | 11.8143% | 5,900 |
| Total risk-based capital ratio | 11.2607% | 6,663 |
| Memoranda: | ||
| Average total assets | $45,379,800 | 6,341 |
| Average earning assets | $41,501,800 | 6,317 |
| Average equity | $4,815,400 | 6,348 |
| Average total loans | $31,525,400 | 5,875 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 1,586 |
| Cost of funding earning assets | 0.4993% | 5,438 |
| Net interest margin | 4.5393% | 921 |
| Noninterest income to average assets | 0.3753% | 4,824 |
| Noninterest expense to average assets | 2.2790% | 5,744 |
| Loan and lease loss provision to assets | 0.0991% | 4,327 |
| Net operating income to assets | 1.3362% | 1,360 |
| Return on assets (ROA) | 1.3362% | 1,499 |
| Pretax return on assets | 2.1469% | 529 |
| Return on Equity (ROE) | 12.4686% | 1,477 |
| Retained earnings to average equity (ytd only) | 8.2656% | 1,513 |
| Net charge-offs to loans | -0.0129% | 6,415 |
| Credit loss provision to net charge-offs | -1,100.0000% | 6,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3650% | 6,560 |
| Assets per employee ($millions) | 4.5823% | 2,775 |
| Cash dividends to net income (ytd only)* | 33.7086% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 5,978 |
| Loan loss allowance to noncurrent loans | 345.6522% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 6,210 |
| Noncurrent loans to loans | 0.2970% | 5,900 |
| Net loans and leases to total assets | 66.9009% | 2,484 |
| Net loans and leases to deposits | 75.2055% | 3,109 |
| Net loans and leases to core deposits | 79.9228% | 3,215 |
| Total domestic deposits to total assets | 88.9575% | 1,456 |
| Equity capital to assets | 10.7261% | 3,581 |
| Core capital (leverage) ratio | 8.5347% | 5,704 |
| Tier 1 risk-based capital ratio | 12.2871% | 5,778 |
| Total risk-based capital ratio | 11.7079% | 6,660 |
| Memoranda: | ||
| Average total assets | $44,405,000 | 6,436 |
| Average earning assets | $40,592,750 | 6,413 |
| Average equity | $4,758,500 | 6,441 |
| Average total loans | $30,893,250 | 5,980 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 1,698 |
| Cost of funding earning assets | 0.5077% | 5,566 |
| Net interest margin | 4.5292% | 943 |
| Noninterest income to average assets | 0.3779% | 4,812 |
| Noninterest expense to average assets | 2.2626% | 5,840 |
| Loan and lease loss provision to assets | 0.0956% | 4,347 |
| Net operating income to assets | 1.2701% | 1,515 |
| Return on assets (ROA) | 1.2701% | 1,680 |
| Pretax return on assets | 2.1624% | 517 |
| Return on Equity (ROE) | 11.8564% | 1,715 |
| Retained earnings to average equity (ytd only) | 7.6068% | 1,811 |
| Net charge-offs to loans | -0.0194% | 6,424 |
| Credit loss provision to net charge-offs | -700.0000% | 6,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0504% | 6,646 |
| Assets per employee ($millions) | 4.0183% | 3,832 |
| Cash dividends to net income (ytd only)* | 35.8423% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 6,291 |
| Loan loss allowance to noncurrent loans | 215.4930% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 5,957 |
| Noncurrent loans to loans | 0.4458% | 5,646 |
| Net loans and leases to total assets | 71.3740% | 1,663 |
| Net loans and leases to deposits | 80.4386% | 2,320 |
| Net loans and leases to core deposits | 83.4228% | 2,766 |
| Total domestic deposits to total assets | 88.7310% | 1,685 |
| Equity capital to assets | 10.8572% | 3,281 |
| Core capital (leverage) ratio | 8.3111% | 5,893 |
| Tier 1 risk-based capital ratio | 11.7981% | 6,057 |
| Total risk-based capital ratio | 11.2070% | 6,820 |
| Memoranda: | ||
| Average total assets | $43,932,330 | 6,494 |
| Average earning assets | $40,183,330 | 6,471 |
| Average equity | $4,706,330 | 6,482 |
| Average total loans | $30,866,330 | 6,020 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 2,582 |
| Cost of funding earning assets | 0.5303% | 5,605 |
| Net interest margin | 4.2820% | 1,528 |
| Noninterest income to average assets | 0.3836% | 4,803 |
| Noninterest expense to average assets | 2.1919% | 6,059 |
| Loan and lease loss provision to assets | 0.1096% | 3,981 |
| Net operating income to assets | 1.1781% | 1,805 |
| Return on assets (ROA) | 1.1781% | 1,989 |
| Pretax return on assets | 1.9910% | 745 |
| Return on Equity (ROE) | 11.0730% | 1,993 |
| Retained earnings to average equity (ytd only) | 6.7811% | 2,535 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0638% | 6,609 |
| Assets per employee ($millions) | 4.4906% | 3,012 |
| Cash dividends to net income (ytd only)* | 38.7597% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 6,255 |
| Loan loss allowance to noncurrent loans | 309.4737% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 6,358 |
| Noncurrent loans to loans | 0.3227% | 6,032 |
| Net loans and leases to total assets | 64.9089% | 2,666 |
| Net loans and leases to deposits | 72.7663% | 3,308 |
| Net loans and leases to core deposits | 74.4388% | 3,842 |
| Total domestic deposits to total assets | 89.2019% | 1,561 |
| Equity capital to assets | 10.4641% | 3,536 |
| Core capital (leverage) ratio | 7.9758% | 6,278 |
| Tier 1 risk-based capital ratio | 12.2185% | 5,811 |
| Total risk-based capital ratio | 11.5562% | 6,795 |
| Memoranda: | ||
| Average total assets | $43,798,000 | 6,540 |
| Average earning assets | $39,981,000 | 6,525 |
| Average equity | $4,660,000 | 6,528 |
| Average total loans | $30,372,500 | 6,095 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1260% | 2,350 |
| Cost of funding earning assets | 0.7072% | 5,491 |
| Net interest margin | 4.4188% | 1,350 |
| Noninterest income to average assets | 0.3808% | 4,779 |
| Noninterest expense to average assets | 2.3278% | 5,980 |
| Loan and lease loss provision to assets | 0.1293% | 4,996 |
| Net operating income to assets | 1.1495% | 1,669 |
| Return on assets (ROA) | 1.1495% | 1,781 |
| Pretax return on assets | 1.9638% | 571 |
| Return on Equity (ROE) | 10.7701% | 1,779 |
| Retained earnings to average equity (ytd only) | 6.6191% | 1,684 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6544% | 6,645 |
| Assets per employee ($millions) | 4.2690% | 3,323 |
| Cash dividends to net income (ytd only)* | 38.5417% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 6,532 |
| Loan loss allowance to noncurrent loans | 293.7500% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 6,398 |
| Noncurrent loans to loans | 0.3067% | 6,112 |
| Net loans and leases to total assets | 72.6657% | 1,520 |
| Net loans and leases to deposits | 81.7806% | 2,232 |
| Net loans and leases to core deposits | 83.8088% | 2,914 |
| Total domestic deposits to total assets | 88.8545% | 1,630 |
| Equity capital to assets | 10.8245% | 3,164 |
| Core capital (leverage) ratio | 8.0104% | 6,253 |
| Tier 1 risk-based capital ratio | 11.0915% | 6,407 |
| Total risk-based capital ratio | 10.5426% | 6,987 |
| Memoranda: | ||
| Average total assets | $41,756,600 | 6,609 |
| Average earning assets | $38,177,600 | 6,597 |
| Average equity | $4,456,800 | 6,613 |
| Average total loans | $29,007,400 | 6,204 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0787% | 2,717 |
| Cost of funding earning assets | 0.7370% | 5,550 |
| Net interest margin | 4.3416% | 1,580 |
| Noninterest income to average assets | 0.3628% | 4,968 |
| Noninterest expense to average assets | 2.3408% | 5,934 |
| Loan and lease loss provision to assets | 0.1284% | 4,826 |
| Net operating income to assets | 1.0885% | 2,017 |
| Return on assets (ROA) | 1.0885% | 2,159 |
| Pretax return on assets | 1.8656% | 837 |
| Return on Equity (ROE) | 10.2359% | 2,120 |
| Retained earnings to average equity (ytd only) | 6.1595% | 2,459 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0000% | 6,489 |
| Assets per employee ($millions) | 3.8243% | 4,252 |
| Cash dividends to net income (ytd only)* | 39.8239% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8991% | 6,600 |
| Loan loss allowance to noncurrent loans | 182.3129% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 6,194 |
| Noncurrent loans to loans | 0.4931% | 5,861 |
| Net loans and leases to total assets | 70.2237% | 2,043 |
| Net loans and leases to deposits | 79.0458% | 2,805 |
| Net loans and leases to core deposits | 81.0364% | 3,482 |
| Total domestic deposits to total assets | 88.8392% | 1,523 |
| Equity capital to assets | 10.7685% | 3,399 |
| Core capital (leverage) ratio | 8.0213% | 6,376 |
| Tier 1 risk-based capital ratio | 11.1424% | 6,461 |
| Total risk-based capital ratio | 10.5583% | 7,074 |
| Memoranda: | ||
| Average total assets | $41,523,250 | 6,668 |
| Average earning assets | $37,988,000 | 6,660 |
| Average equity | $4,415,750 | 6,673 |
| Average total loans | $28,433,500 | 6,284 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 3,336 |
| Cost of funding earning assets | 0.7718% | 5,551 |
| Net interest margin | 4.1918% | 2,071 |
| Noninterest income to average assets | 0.3532% | 5,064 |
| Noninterest expense to average assets | 2.3560% | 5,975 |
| Loan and lease loss provision to assets | 0.1306% | 4,661 |
| Net operating income to assets | 0.9966% | 2,244 |
| Return on assets (ROA) | 0.9966% | 2,348 |
| Pretax return on assets | 1.7029% | 1,053 |
| Return on Equity (ROE) | 9.4114% | 2,338 |
| Retained earnings to average equity (ytd only) | 5.5281% | 2,678 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2356% | 6,397 |
| Assets per employee ($millions) | 3.7811% | 4,251 |
| Cash dividends to net income (ytd only)* | 41.2621% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 6,789 |
| Loan loss allowance to noncurrent loans | 175.8621% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 6,261 |
| Noncurrent loans to loans | 0.4794% | 5,948 |
| Net loans and leases to total assets | 72.1100% | 1,768 |
| Net loans and leases to deposits | 81.0989% | 2,599 |
| Net loans and leases to core deposits | 83.4548% | 3,298 |
| Total domestic deposits to total assets | 88.9161% | 1,584 |
| Equity capital to assets | 10.6920% | 3,298 |
| Core capital (leverage) ratio | 7.6917% | 6,591 |
| Tier 1 risk-based capital ratio | 10.7412% | 6,689 |
| Total risk-based capital ratio | 10.1360% | 7,190 |
| Memoranda: | ||
| Average total assets | $41,342,000 | 6,737 |
| Average earning assets | $37,835,330 | 6,721 |
| Average equity | $4,377,670 | 6,722 |
| Average total loans | $27,975,000 | 6,367 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 4,421 |
| Cost of funding earning assets | 0.8169% | 5,485 |
| Net interest margin | 3.9041% | 3,119 |
| Noninterest income to average assets | 0.3203% | 5,359 |
| Noninterest expense to average assets | 2.3583% | 6,024 |
| Loan and lease loss provision to assets | 0.1262% | 4,422 |
| Net operating income to assets | 0.8346% | 2,858 |
| Return on assets (ROA) | 0.8346% | 2,919 |
| Pretax return on assets | 1.4072% | 1,709 |
| Return on Equity (ROE) | 7.9208% | 2,948 |
| Retained earnings to average equity (ytd only) | 3.3157% | 4,193 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5985% | 5,892 |
| Assets per employee ($millions) | 3.8866% | 4,104 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 6,706 |
| Loan loss allowance to noncurrent loans | 223.1481% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 6,552 |
| Noncurrent loans to loans | 0.4015% | 6,193 |
| Net loans and leases to total assets | 62.3559% | 3,782 |
| Net loans and leases to deposits | 69.6767% | 4,399 |
| Net loans and leases to core deposits | 73.1004% | 4,636 |
| Total domestic deposits to total assets | 89.4931% | 1,485 |
| Equity capital to assets | 10.2005% | 3,536 |
| Core capital (leverage) ratio | 7.4770% | 6,744 |
| Tier 1 risk-based capital ratio | 11.2218% | 6,333 |
| Total risk-based capital ratio | 10.5355% | 7,190 |
| Memoranda: | ||
| Average total assets | $41,217,000 | 6,791 |
| Average earning assets | $37,704,000 | 6,777 |
| Average equity | $4,343,000 | 6,769 |
| Average total loans | $26,839,000 | 6,479 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3419% | 2,925 |
| Cost of funding earning assets | 1.0937% | 5,163 |
| Net interest margin | 4.2482% | 2,006 |
| Noninterest income to average assets | 0.3710% | 5,130 |
| Noninterest expense to average assets | 2.3513% | 6,216 |
| Loan and lease loss provision to assets | 0.0627% | 6,512 |
| Net operating income to assets | 1.0555% | 1,854 |
| Return on assets (ROA) | 1.0555% | 1,951 |
| Pretax return on assets | 1.7217% | 903 |
| Return on Equity (ROE) | 9.6200% | 2,068 |
| Retained earnings to average equity (ytd only) | 5.8101% | 1,932 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8541% | 6,480 |
| Assets per employee ($millions) | 3.6074% | 4,684 |
| Cash dividends to net income (ytd only)* | 39.6040% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 6,849 |
| Loan loss allowance to noncurrent loans | 230.3030% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 6,613 |
| Noncurrent loans to loans | 0.3697% | 6,317 |
| Net loans and leases to total assets | 66.9086% | 3,245 |
| Net loans and leases to deposits | 75.3619% | 3,947 |
| Net loans and leases to core deposits | 78.2194% | 4,435 |
| Total domestic deposits to total assets | 88.7830% | 1,774 |
| Equity capital to assets | 10.8994% | 2,775 |
| Core capital (leverage) ratio | 7.8476% | 6,381 |
| Tier 1 risk-based capital ratio | 10.9395% | 6,372 |
| Total risk-based capital ratio | 10.2844% | 7,245 |
| Memoranda: | ||
| Average total assets | $38,276,400 | 6,925 |
| Average earning assets | $33,920,400 | 6,952 |
| Average equity | $4,199,600 | 6,918 |
| Average total loans | $24,585,600 | 6,703 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3304% | 3,212 |
| Cost of funding earning assets | 1.1268% | 5,272 |
| Net interest margin | 4.2035% | 2,201 |
| Noninterest income to average assets | 0.3727% | 5,168 |
| Noninterest expense to average assets | 2.3168% | 6,268 |
| Loan and lease loss provision to assets | 0.0633% | 6,430 |
| Net operating income to assets | 1.0371% | 2,114 |
| Return on assets (ROA) | 1.0371% | 2,220 |
| Pretax return on assets | 1.6910% | 1,135 |
| Return on Equity (ROE) | 9.4361% | 2,338 |
| Retained earnings to average equity (ytd only) | 5.9176% | 2,406 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9085% | 6,425 |
| Assets per employee ($millions) | 3.5815% | 4,775 |
| Cash dividends to net income (ytd only)* | 37.2877% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 6,850 |
| Loan loss allowance to noncurrent loans | 133.7349% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 6,368 |
| Noncurrent loans to loans | 0.6469% | 5,912 |
| Net loans and leases to total assets | 64.5675% | 4,001 |
| Net loans and leases to deposits | 72.6875% | 4,739 |
| Net loans and leases to core deposits | 74.8984% | 5,182 |
| Total domestic deposits to total assets | 88.8288% | 1,494 |
| Equity capital to assets | 10.8285% | 3,140 |
| Core capital (leverage) ratio | 7.9976% | 6,346 |
| Tier 1 risk-based capital ratio | 11.6753% | 5,753 |
| Total risk-based capital ratio | 10.9622% | 7,176 |
| Memoranda: | ||
| Average total assets | $37,925,250 | 7,019 |
| Average earning assets | $33,367,750 | 7,050 |
| Average equity | $4,168,250 | 7,027 |
| Average total loans | $24,037,500 | 6,822 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2505% | 3,712 |
| Cost of funding earning assets | 1.1777% | 5,250 |
| Net interest margin | 4.0728% | 2,689 |
| Noninterest income to average assets | 0.3740% | 5,138 |
| Noninterest expense to average assets | 2.3187% | 6,307 |
| Loan and lease loss provision to assets | 0.0641% | 6,311 |
| Net operating income to assets | 0.9403% | 2,402 |
| Return on assets (ROA) | 0.9403% | 2,493 |
| Pretax return on assets | 1.5387% | 1,457 |
| Return on Equity (ROE) | 8.5113% | 2,664 |
| Retained earnings to average equity (ytd only) | 5.6097% | 2,551 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1281% | 6,191 |
| Assets per employee ($millions) | 3.6807% | 4,520 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 6,789 |
| Loan loss allowance to noncurrent loans | 130.1205% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 6,324 |
| Noncurrent loans to loans | 0.6851% | 5,880 |
| Net loans and leases to total assets | 65.2430% | 3,998 |
| Net loans and leases to deposits | 73.9529% | 4,682 |
| Net loans and leases to core deposits | 77.4720% | 5,025 |
| Total domestic deposits to total assets | 88.2223% | 1,868 |
| Equity capital to assets | 11.4027% | 2,520 |
| Core capital (leverage) ratio | 7.9486% | 6,328 |
| Tier 1 risk-based capital ratio | 12.0382% | 5,273 |
| Total risk-based capital ratio | 11.2895% | 6,981 |
| Memoranda: | ||
| Average total assets | $37,435,000 | 7,093 |
| Average earning assets | $32,606,670 | 7,130 |
| Average equity | $4,135,670 | 7,065 |
| Average total loans | $23,497,000 | 6,891 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 4,783 |
| Cost of funding earning assets | 1.2131% | 5,328 |
| Net interest margin | 3.8372% | 3,636 |
| Noninterest income to average assets | 0.3921% | 4,983 |
| Noninterest expense to average assets | 2.3418% | 6,279 |
| Loan and lease loss provision to assets | 0.0636% | 6,010 |
| Net operating income to assets | 0.7947% | 2,991 |
| Return on assets (ROA) | 0.7947% | 3,101 |
| Pretax return on assets | 1.2716% | 2,135 |
| Return on Equity (ROE) | 7.3082% | 3,205 |
| Retained earnings to average equity (ytd only) | 4.8721% | 3,224 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6888% | 5,551 |
| Assets per employee ($millions) | 4.2442% | 3,386 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 6,857 |
| Loan loss allowance to noncurrent loans | 210.0000% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 6,818 |
| Noncurrent loans to loans | 0.4257% | 6,447 |
| Net loans and leases to total assets | 60.9456% | 4,950 |
| Net loans and leases to deposits | 68.5714% | 5,528 |
| Net loans and leases to core deposits | 72.4016% | 5,664 |
| Total domestic deposits to total assets | 88.8790% | 1,580 |
| Equity capital to assets | 10.8121% | 2,943 |
| Core capital (leverage) ratio | 7.8918% | 6,393 |
| Tier 1 risk-based capital ratio | 11.8114% | 5,382 |
| Total risk-based capital ratio | 11.0475% | 7,152 |
| Memoranda: | ||
| Average total assets | $37,749,000 | 7,176 |
| Average earning assets | $32,315,000 | 7,233 |
| Average equity | $4,105,000 | 7,142 |
| Average total loans | $23,130,500 | 6,983 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7089% | 3,057 |
| Cost of funding earning assets | 1.5176% | 5,447 |
| Net interest margin | 4.1912% | 2,098 |
| Noninterest income to average assets | 0.4417% | 4,869 |
| Noninterest expense to average assets | 2.4971% | 6,138 |
| Loan and lease loss provision to assets | 0.5436% | 3,653 |
| Net operating income to assets | 0.5606% | 3,482 |
| Return on assets (ROA) | 0.5606% | 3,564 |
| Pretax return on assets | 0.9116% | 2,886 |
| Return on Equity (ROE) | 4.9156% | 3,703 |
| Retained earnings to average equity (ytd only) | 2.6812% | 3,275 |
| Net charge-offs to loans | 0.6767% | 3,157 |
| Credit loss provision to net charge-offs | 128.8591% | 3,995 |
| Earnings coverage of net charge-offs (x) | 3.4497% | 3,338 |
| Efficiency ratio | 63.1805% | 5,933 |
| Assets per employee ($millions) | 3.7300% | 4,451 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 6,830 |
| Loan loss allowance to noncurrent loans | 201.9802% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 6,776 |
| Noncurrent loans to loans | 0.4435% | 6,386 |
| Net loans and leases to total assets | 60.5013% | 5,258 |
| Net loans and leases to deposits | 68.1721% | 5,804 |
| Net loans and leases to core deposits | 83.8610% | 5,727 |
| Total domestic deposits to total assets | 88.7480% | 1,602 |
| Equity capital to assets | 10.9383% | 2,747 |
| Core capital (leverage) ratio | 7.8927% | 6,331 |
| Tier 1 risk-based capital ratio | 11.1796% | 5,743 |
| Total risk-based capital ratio | 10.4473% | 7,381 |
| Memoranda: | ||
| Average total assets | $35,321,400 | 7,266 |
| Average earning assets | $29,585,600 | 7,373 |
| Average equity | $4,028,000 | 7,282 |
| Average total loans | $22,020,000 | 7,088 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7268% | 3,209 |
| Cost of funding earning assets | 1.5314% | 5,711 |
| Net interest margin | 4.1955% | 2,081 |
| Noninterest income to average assets | 0.4441% | 4,942 |
| Noninterest expense to average assets | 2.5229% | 6,004 |
| Loan and lease loss provision to assets | 0.6087% | 2,952 |
| Net operating income to assets | 0.5589% | 3,757 |
| Return on assets (ROA) | 0.5589% | 3,845 |
| Pretax return on assets | 0.8576% | 3,363 |
| Return on Equity (ROE) | 4.8483% | 4,027 |
| Retained earnings to average equity (ytd only) | 2.1918% | 4,103 |
| Net charge-offs to loans | 0.9099% | 2,151 |
| Credit loss provision to net charge-offs | 106.7114% | 4,765 |
| Earnings coverage of net charge-offs (x) | 2.5705% | 3,941 |
| Efficiency ratio | 63.2438% | 5,883 |
| Assets per employee ($millions) | 4.0840% | 3,586 |
| Cash dividends to net income (ytd only)* | 54.7930% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 7,228 |
| Loan loss allowance to noncurrent loans | 169.3069% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 6,802 |
| Noncurrent loans to loans | 0.4497% | 6,422 |
| Net loans and leases to total assets | 60.6404% | 5,480 |
| Net loans and leases to deposits | 68.3544% | 6,101 |
| Net loans and leases to core deposits | 83.3608% | 6,084 |
| Total domestic deposits to total assets | 88.7148% | 1,333 |
| Equity capital to assets | 10.9996% | 3,003 |
| Core capital (leverage) ratio | 8.0719% | 6,235 |
| Tier 1 risk-based capital ratio | 11.7594% | 5,190 |
| Total risk-based capital ratio | 10.8667% | 7,258 |
| Memoranda: | ||
| Average total assets | $34,826,750 | 7,346 |
| Average earning assets | $29,428,000 | 7,441 |
| Average equity | $4,015,000 | 7,348 |
| Average total loans | $21,832,250 | 7,156 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7738% | 3,167 |
| Cost of funding earning assets | 1.5635% | 5,868 |
| Net interest margin | 4.2104% | 1,956 |
| Noninterest income to average assets | 0.4154% | 5,158 |
| Noninterest expense to average assets | 2.5802% | 5,819 |
| Loan and lease loss provision to assets | 0.3744% | 3,683 |
| Net operating income to assets | 0.6845% | 3,319 |
| Return on assets (ROA) | 0.6845% | 3,434 |
| Pretax return on assets | 1.0531% | 2,801 |
| Return on Equity (ROE) | 5.8417% | 3,726 |
| Retained earnings to average equity (ytd only) | 2.8460% | 3,741 |
| Net charge-offs to loans | 0.6012% | 2,536 |
| Credit loss provision to net charge-offs | 98.4615% | 4,661 |
| Earnings coverage of net charge-offs (x) | 3.7538% | 3,318 |
| Efficiency ratio | 64.3796% | 5,833 |
| Assets per employee ($millions) | 3.3670% | 5,143 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 7,362 |
| Loan loss allowance to noncurrent loans | 33.5430% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 1.4167% | 4,127 |
| Noncurrent loans to loans | 2.1680% | 3,289 |
| Net loans and leases to total assets | 64.8708% | 4,789 |
| Net loans and leases to deposits | 74.1513% | 5,431 |
| Net loans and leases to core deposits | 86.3115% | 5,870 |
| Total domestic deposits to total assets | 87.4844% | 2,024 |
| Equity capital to assets | 11.9810% | 2,218 |
| Core capital (leverage) ratio | 8.3298% | 5,741 |
| Tier 1 risk-based capital ratio | 11.4884% | 5,391 |
| Total risk-based capital ratio | 10.5966% | 7,496 |
| Memoranda: | ||
| Average total assets | $34,183,670 | 7,441 |
| Average earning assets | $29,166,000 | 7,525 |
| Average equity | $4,005,670 | 7,410 |
| Average total loans | $21,623,000 | 7,230 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6426% | 4,095 |
| Cost of funding earning assets | 1.6200% | 5,947 |
| Net interest margin | 4.0226% | 2,565 |
| Noninterest income to average assets | 0.3949% | 5,254 |
| Noninterest expense to average assets | 2.4506% | 6,024 |
| Loan and lease loss provision to assets | 0.7085% | 1,801 |
| Net operating income to assets | 0.4413% | 4,686 |
| Return on assets (ROA) | 0.4413% | 4,858 |
| Pretax return on assets | 0.6388% | 4,622 |
| Return on Equity (ROE) | 3.8081% | 5,023 |
| Retained earnings to average equity (ytd only) | -0.2004% | 5,687 |
| Net charge-offs to loans | 1.2131% | 1,153 |
| Credit loss provision to net charge-offs | 93.8462% | 3,924 |
| Earnings coverage of net charge-offs (x) | 1.7846% | 3,839 |
| Efficiency ratio | 64.5260% | 5,593 |
| Assets per employee ($millions) | 3.4324% | 4,987 |
| Cash dividends to net income (ytd only)* | 105.2632% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 7,386 |
| Loan loss allowance to noncurrent loans | 70.7207% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 5,544 |
| Noncurrent loans to loans | 1.0167% | 4,965 |
| Net loans and leases to total assets | 63.1570% | 5,131 |
| Net loans and leases to deposits | 71.8838% | 5,760 |
| Net loans and leases to core deposits | 83.9224% | 6,063 |
| Total domestic deposits to total assets | 87.8598% | 1,816 |
| Equity capital to assets | 11.6041% | 2,522 |
| Core capital (leverage) ratio | 8.0487% | 6,382 |
| Tier 1 risk-based capital ratio | 11.1277% | 5,788 |
| Total risk-based capital ratio | 10.2405% | 7,823 |
| Memoranda: | ||
| Average total assets | $34,440,500 | 7,474 |
| Average earning assets | $29,135,500 | 7,563 |
| Average equity | $3,991,500 | 7,461 |
| Average total loans | $21,433,500 | 7,281 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0571% | 5,266 |
| Cost of funding earning assets | 2.0926% | 6,087 |
| Net interest margin | 3.9645% | 3,288 |
| Noninterest income to average assets | 0.5372% | 4,339 |
| Noninterest expense to average assets | 2.6098% | 5,611 |
| Loan and lease loss provision to assets | 0.0159% | 7,182 |
| Net operating income to assets | 0.8710% | 3,130 |
| Return on assets (ROA) | 0.8710% | 2,980 |
| Pretax return on assets | 1.3383% | 2,175 |
| Return on Equity (ROE) | 7.0199% | 3,520 |
| Retained earnings to average equity (ytd only) | 4.4579% | 2,356 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8380% | 5,157 |
| Assets per employee ($millions) | 3.4557% | 4,784 |
| Cash dividends to net income (ytd only)* | 36.4964% | 3,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7655% | 7,221 |
| Loan loss allowance to noncurrent loans | 61.4504% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 0.7582% | 4,950 |
| Noncurrent loans to loans | 1.2457% | 4,022 |
| Net loans and leases to total assets | 60.3959% | 5,852 |
| Net loans and leases to deposits | 68.6140% | 6,406 |
| Net loans and leases to core deposits | 81.3938% | 6,506 |
| Total domestic deposits to total assets | 88.0227% | 1,466 |
| Equity capital to assets | 11.5751% | 2,586 |
| Core capital (leverage) ratio | 7.9998% | 6,491 |
| Tier 1 risk-based capital ratio | 11.7124% | 5,047 |
| Total risk-based capital ratio | 10.8010% | 7,166 |
| Memoranda: | ||
| Average total assets | $31,458,000 | 7,586 |
| Average earning assets | $27,191,200 | 7,658 |
| Average equity | $3,903,200 | 7,552 |
| Average total loans | $19,780,800 | 7,343 |