Home > First Safety Bank > Performance and Condition Ratios
First Safety Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4857% | 4,909 |
| Cost of funding earning assets | 0.3392% | 3,702 |
| Net interest margin | 3.1465% | 4,701 |
| Noninterest income to average assets | 0.8505% | 1,543 |
| Noninterest expense to average assets | 4.5482% | 372 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.6492% | 5,944 |
| Return on assets (ROA) | -0.6492% | 5,949 |
| Pretax return on assets | -0.6492% | 5,939 |
| Return on Equity (ROE) | -3.1153% | 5,904 |
| Retained earnings to average equity (ytd only) | -3.4111% | 5,668 |
| Net charge-offs to loans | -0.0464% | 5,333 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6491% | 104 |
| Assets per employee ($millions) | 3.4197% | 4,887 |
| Cash dividends to net income (ytd only)* | -9.4937% | 6,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 2,389 |
| Loan loss allowance to noncurrent loans | 106.8783% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 2,623 |
| Noncurrent loans to loans | 1.2899% | 1,753 |
| Net loans and leases to total assets | 60.3643% | 3,835 |
| Net loans and leases to deposits | 77.5860% | 3,198 |
| Net loans and leases to core deposits | 78.7638% | 3,577 |
| Total domestic deposits to total assets | 77.8031% | 5,036 |
| Equity capital to assets | 20.9834% | 185 |
| Core capital (leverage) ratio | 20.8172% | 169 |
| Tier 1 risk-based capital ratio | 41.8627% | 206 |
| Total risk-based capital ratio | 43.1185% | 204 |
| Memoranda: | ||
| Average total assets | $48,678,670 | 5,488 |
| Average earning assets | $47,164,000 | 5,418 |
| Average equity | $10,143,330 | 4,619 |
| Average total loans | $30,158,670 | 5,287 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4269% | 5,059 |
| Cost of funding earning assets | 0.3368% | 3,760 |
| Net interest margin | 3.0901% | 4,889 |
| Noninterest income to average assets | 0.5949% | 2,563 |
| Noninterest expense to average assets | 3.7082% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1222% | 5,853 |
| Return on assets (ROA) | -0.1222% | 5,870 |
| Pretax return on assets | -0.1222% | 5,867 |
| Return on Equity (ROE) | -0.5887% | 5,848 |
| Retained earnings to average equity (ytd only) | -1.0597% | 5,286 |
| Net charge-offs to loans | -0.0523% | 5,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4091% | 221 |
| Assets per employee ($millions) | 3.7783% | 4,344 |
| Cash dividends to net income (ytd only)* | -80.0000% | 6,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 2,725 |
| Loan loss allowance to noncurrent loans | 85.8672% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 0.9508% | 2,327 |
| Noncurrent loans to loans | 1.5567% | 1,500 |
| Net loans and leases to total assets | 60.2610% | 3,735 |
| Net loans and leases to deposits | 77.1289% | 3,093 |
| Net loans and leases to core deposits | 78.2649% | 3,471 |
| Total domestic deposits to total assets | 78.1302% | 5,122 |
| Equity capital to assets | 20.7215% | 186 |
| Core capital (leverage) ratio | 20.7655% | 171 |
| Tier 1 risk-based capital ratio | 41.6554% | 215 |
| Total risk-based capital ratio | 42.9117% | 213 |
| Memoranda: | ||
| Average total assets | $49,080,000 | 5,530 |
| Average earning assets | $47,506,000 | 5,460 |
| Average equity | $10,192,000 | 4,633 |
| Average total loans | $30,586,000 | 5,316 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6135% | 4,634 |
| Cost of funding earning assets | 0.3477% | 3,723 |
| Net interest margin | 3.2658% | 4,419 |
| Noninterest income to average assets | 0.6545% | 2,437 |
| Noninterest expense to average assets | 3.0172% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7963% | 3,356 |
| Return on assets (ROA) | 0.7963% | 3,435 |
| Pretax return on assets | 0.7963% | 4,202 |
| Return on Equity (ROE) | 3.8829% | 4,996 |
| Retained earnings to average equity (ytd only) | 2.0155% | 4,579 |
| Net charge-offs to loans | -0.0277% | 5,372 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1180% | 1,801 |
| Assets per employee ($millions) | 3.7725% | 4,339 |
| Cash dividends to net income (ytd only)* | 48.0916% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 3,049 |
| Loan loss allowance to noncurrent loans | 128.4790% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.8014% | 2,669 |
| Noncurrent loans to loans | 0.9913% | 2,356 |
| Net loans and leases to total assets | 62.7523% | 3,453 |
| Net loans and leases to deposits | 80.4828% | 2,769 |
| Net loans and leases to core deposits | 81.6703% | 3,183 |
| Total domestic deposits to total assets | 77.9699% | 5,173 |
| Equity capital to assets | 20.8107% | 188 |
| Core capital (leverage) ratio | 20.7206% | 169 |
| Tier 1 risk-based capital ratio | 39.6546% | 235 |
| Total risk-based capital ratio | 40.9098% | 231 |
| Memoranda: | ||
| Average total assets | $49,351,000 | 5,559 |
| Average earning assets | $47,737,200 | 5,486 |
| Average equity | $10,121,400 | 4,642 |
| Average total loans | $32,475,000 | 5,277 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 4,649 |
| Cost of funding earning assets | 0.3542% | 3,709 |
| Net interest margin | 3.2742% | 4,448 |
| Noninterest income to average assets | 0.6366% | 2,545 |
| Noninterest expense to average assets | 3.0589% | 2,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7445% | 3,705 |
| Return on assets (ROA) | 0.7445% | 3,799 |
| Pretax return on assets | 0.7445% | 4,521 |
| Return on Equity (ROE) | 3.6434% | 5,162 |
| Retained earnings to average equity (ytd only) | 1.8217% | 4,966 |
| Net charge-offs to loans | -0.0325% | 5,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4255% | 1,600 |
| Assets per employee ($millions) | 3.7835% | 4,297 |
| Cash dividends to net income (ytd only)* | 50.0014% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 3,614 |
| Loan loss allowance to noncurrent loans | 129.4118% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 2,905 |
| Noncurrent loans to loans | 0.9324% | 2,643 |
| Net loans and leases to total assets | 65.9151% | 3,028 |
| Net loans and leases to deposits | 84.4539% | 2,348 |
| Net loans and leases to core deposits | 85.6950% | 2,884 |
| Total domestic deposits to total assets | 78.0486% | 5,175 |
| Equity capital to assets | 20.6583% | 208 |
| Core capital (leverage) ratio | 20.3918% | 187 |
| Tier 1 risk-based capital ratio | 37.2673% | 297 |
| Total risk-based capital ratio | 38.5208% | 295 |
| Memoranda: | ||
| Average total assets | $49,428,250 | 5,620 |
| Average earning assets | $47,806,250 | 5,554 |
| Average equity | $10,100,250 | 4,699 |
| Average total loans | $32,800,750 | 5,329 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6143% | 4,683 |
| Cost of funding earning assets | 0.3593% | 3,713 |
| Net interest margin | 3.2550% | 4,477 |
| Noninterest income to average assets | 0.6625% | 2,400 |
| Noninterest expense to average assets | 3.0701% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7393% | 3,692 |
| Return on assets (ROA) | 0.7393% | 3,800 |
| Pretax return on assets | 0.7393% | 4,526 |
| Return on Equity (ROE) | 3.6310% | 5,167 |
| Retained earnings to average equity (ytd only) | 2.2024% | 4,614 |
| Net charge-offs to loans | -0.0305% | 5,341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5938% | 1,680 |
| Assets per employee ($millions) | 4.1588% | 3,552 |
| Cash dividends to net income (ytd only)* | 39.3443% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 3,944 |
| Loan loss allowance to noncurrent loans | 127.1845% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 3,023 |
| Noncurrent loans to loans | 0.9234% | 2,824 |
| Net loans and leases to total assets | 66.2639% | 2,904 |
| Net loans and leases to deposits | 84.4696% | 2,256 |
| Net loans and leases to core deposits | 85.6843% | 2,795 |
| Total domestic deposits to total assets | 78.4470% | 5,195 |
| Equity capital to assets | 20.3306% | 212 |
| Core capital (leverage) ratio | 20.1161% | 197 |
| Tier 1 risk-based capital ratio | 36.1342% | 333 |
| Total risk-based capital ratio | 37.3853% | 332 |
| Memoranda: | ||
| Average total assets | $49,509,000 | 5,679 |
| Average earning assets | $47,865,000 | 5,611 |
| Average equity | $10,080,000 | 4,734 |
| Average total loans | $32,795,330 | 5,379 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 4,626 |
| Cost of funding earning assets | 0.3696% | 3,652 |
| Net interest margin | 3.2508% | 4,416 |
| Noninterest income to average assets | 0.4137% | 3,888 |
| Noninterest expense to average assets | 3.1636% | 2,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3894% | 5,106 |
| Return on assets (ROA) | 0.3894% | 5,225 |
| Pretax return on assets | 0.3894% | 5,450 |
| Return on Equity (ROE) | 1.9110% | 5,710 |
| Retained earnings to average equity (ytd only) | 0.4778% | 5,228 |
| Net charge-offs to loans | -0.0370% | 5,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0411% | 934 |
| Assets per employee ($millions) | 3.8377% | 4,276 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 3,812 |
| Loan loss allowance to noncurrent loans | 126.1290% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 3,135 |
| Noncurrent loans to loans | 0.9709% | 2,829 |
| Net loans and leases to total assets | 63.2131% | 3,209 |
| Net loans and leases to deposits | 80.3962% | 2,524 |
| Net loans and leases to core deposits | 81.5500% | 3,001 |
| Total domestic deposits to total assets | 78.6270% | 5,333 |
| Equity capital to assets | 20.1604% | 220 |
| Core capital (leverage) ratio | 19.8667% | 212 |
| Tier 1 risk-based capital ratio | 35.8621% | 338 |
| Total risk-based capital ratio | 37.1130% | 336 |
| Memoranda: | ||
| Average total assets | $49,311,000 | 5,737 |
| Average earning assets | $47,618,500 | 5,669 |
| Average equity | $10,047,000 | 4,765 |
| Average total loans | $32,462,000 | 5,421 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6701% | 4,879 |
| Cost of funding earning assets | 0.4020% | 3,670 |
| Net interest margin | 3.2681% | 4,690 |
| Noninterest income to average assets | 0.6201% | 2,739 |
| Noninterest expense to average assets | 3.2029% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5758% | 4,482 |
| Return on assets (ROA) | 0.5758% | 4,565 |
| Pretax return on assets | 0.5758% | 5,013 |
| Return on Equity (ROE) | 2.8622% | 5,524 |
| Retained earnings to average equity (ytd only) | 1.0208% | 5,309 |
| Net charge-offs to loans | -0.0216% | 5,711 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7629% | 1,314 |
| Assets per employee ($millions) | 3.7486% | 4,446 |
| Cash dividends to net income (ytd only)* | 64.3357% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 4,141 |
| Loan loss allowance to noncurrent loans | 124.3590% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 3,175 |
| Noncurrent loans to loans | 0.9456% | 2,963 |
| Net loans and leases to total assets | 66.9129% | 2,746 |
| Net loans and leases to deposits | 85.6888% | 2,024 |
| Net loans and leases to core deposits | 86.9547% | 2,613 |
| Total domestic deposits to total assets | 78.0883% | 5,423 |
| Equity capital to assets | 20.5943% | 199 |
| Core capital (leverage) ratio | 20.2787% | 202 |
| Tier 1 risk-based capital ratio | 35.8133% | 319 |
| Total risk-based capital ratio | 37.0635% | 313 |
| Memoranda: | ||
| Average total assets | $49,673,400 | 5,794 |
| Average earning assets | $48,009,400 | 5,720 |
| Average equity | $9,992,200 | 4,752 |
| Average total loans | $32,403,200 | 5,468 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6701% | 4,941 |
| Cost of funding earning assets | 0.4035% | 3,755 |
| Net interest margin | 3.2666% | 4,733 |
| Noninterest income to average assets | 0.6679% | 2,484 |
| Noninterest expense to average assets | 3.2084% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6171% | 4,366 |
| Return on assets (ROA) | 0.6171% | 4,460 |
| Pretax return on assets | 0.6171% | 4,976 |
| Return on Equity (ROE) | 3.0857% | 5,509 |
| Retained earnings to average equity (ytd only) | 1.2423% | 5,397 |
| Net charge-offs to loans | -0.0207% | 5,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8687% | 1,401 |
| Assets per employee ($millions) | 3.8209% | 4,245 |
| Cash dividends to net income (ytd only)* | 59.7422% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 4,250 |
| Loan loss allowance to noncurrent loans | 86.1607% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.0710% | 2,820 |
| Noncurrent loans to loans | 1.3880% | 2,333 |
| Net loans and leases to total assets | 64.2012% | 3,146 |
| Net loans and leases to deposits | 81.8469% | 2,449 |
| Net loans and leases to core deposits | 83.0253% | 2,994 |
| Total domestic deposits to total assets | 78.4406% | 5,446 |
| Equity capital to assets | 20.2247% | 220 |
| Core capital (leverage) ratio | 19.9337% | 213 |
| Tier 1 risk-based capital ratio | 33.7799% | 396 |
| Total risk-based capital ratio | 35.0324% | 388 |
| Memoranda: | ||
| Average total assets | $49,908,750 | 5,852 |
| Average earning assets | $48,244,750 | 5,782 |
| Average equity | $9,981,250 | 4,789 |
| Average total loans | $32,255,000 | 5,531 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,966 |
| Cost of funding earning assets | 0.4098% | 3,776 |
| Net interest margin | 3.2538% | 4,765 |
| Noninterest income to average assets | 0.5441% | 3,172 |
| Noninterest expense to average assets | 3.1848% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5041% | 4,793 |
| Return on assets (ROA) | 0.5041% | 4,882 |
| Pretax return on assets | 0.5041% | 5,262 |
| Return on Equity (ROE) | 2.5302% | 5,678 |
| Retained earnings to average equity (ytd only) | 0.6828% | 5,464 |
| Net charge-offs to loans | -0.0248% | 5,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3341% | 1,238 |
| Assets per employee ($millions) | 3.7345% | 4,385 |
| Cash dividends to net income (ytd only)* | 73.0159% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 4,432 |
| Loan loss allowance to noncurrent loans | 85.5556% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.0999% | 2,873 |
| Noncurrent loans to loans | 1.4006% | 2,459 |
| Net loans and leases to total assets | 65.3875% | 2,852 |
| Net loans and leases to deposits | 83.6672% | 2,064 |
| Net loans and leases to core deposits | 84.9047% | 2,629 |
| Total domestic deposits to total assets | 78.1520% | 5,609 |
| Equity capital to assets | 20.5483% | 195 |
| Core capital (leverage) ratio | 19.6714% | 210 |
| Tier 1 risk-based capital ratio | 34.0322% | 373 |
| Total risk-based capital ratio | 35.2837% | 365 |
| Memoranda: | ||
| Average total assets | $49,987,670 | 5,909 |
| Average earning assets | $48,313,330 | 5,832 |
| Average equity | $9,959,670 | 4,815 |
| Average total loans | $32,248,000 | 5,563 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6279% | 5,077 |
| Cost of funding earning assets | 0.4167% | 3,800 |
| Net interest margin | 3.2112% | 4,888 |
| Noninterest income to average assets | 0.5680% | 2,930 |
| Noninterest expense to average assets | 3.0213% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6469% | 3,961 |
| Return on assets (ROA) | 0.6469% | 4,057 |
| Pretax return on assets | 0.6469% | 4,676 |
| Return on Equity (ROE) | 3.2960% | 5,347 |
| Retained earnings to average equity (ytd only) | 1.4470% | 5,039 |
| Net charge-offs to loans | -0.0248% | 5,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3656% | 1,882 |
| Assets per employee ($millions) | 3.8376% | 4,255 |
| Cash dividends to net income (ytd only)* | 56.0976% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 4,643 |
| Loan loss allowance to noncurrent loans | 85.1111% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.0704% | 3,116 |
| Noncurrent loans to loans | 1.4075% | 2,675 |
| Net loans and leases to total assets | 63.3166% | 3,013 |
| Net loans and leases to deposits | 80.4646% | 2,231 |
| Net loans and leases to core deposits | 81.6122% | 2,778 |
| Total domestic deposits to total assets | 78.6887% | 5,728 |
| Equity capital to assets | 19.9984% | 215 |
| Core capital (leverage) ratio | 18.9546% | 249 |
| Tier 1 risk-based capital ratio | 33.2722% | 404 |
| Total risk-based capital ratio | 34.5241% | 400 |
| Memoranda: | ||
| Average total assets | $50,707,000 | 5,945 |
| Average earning assets | $48,954,000 | 5,870 |
| Average equity | $9,951,500 | 4,824 |
| Average total loans | $32,307,000 | 5,618 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5647% | 5,496 |
| Cost of funding earning assets | 0.5003% | 3,610 |
| Net interest margin | 3.0644% | 5,421 |
| Noninterest income to average assets | 0.8115% | 2,023 |
| Noninterest expense to average assets | 2.9312% | 3,276 |
| Loan and lease loss provision to assets | 0.0777% | 3,556 |
| Net operating income to assets | 0.7641% | 3,474 |
| Return on assets (ROA) | 0.7641% | 3,569 |
| Pretax return on assets | 0.7641% | 4,285 |
| Return on Equity (ROE) | 4.0792% | 5,071 |
| Retained earnings to average equity (ytd only) | 1.4070% | 5,193 |
| Net charge-offs to loans | -0.0312% | 6,236 |
| Credit loss provision to net charge-offs | -410.0000% | 6,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6884% | 2,513 |
| Assets per employee ($millions) | 3.9635% | 3,935 |
| Cash dividends to net income (ytd only)* | 65.5087% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 4,823 |
| Loan loss allowance to noncurrent loans | 112.0588% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 3,829 |
| Noncurrent loans to loans | 1.0416% | 3,428 |
| Net loans and leases to total assets | 62.6143% | 3,272 |
| Net loans and leases to deposits | 78.7781% | 2,620 |
| Net loans and leases to core deposits | 79.8545% | 3,151 |
| Total domestic deposits to total assets | 79.4818% | 5,556 |
| Equity capital to assets | 19.2644% | 246 |
| Core capital (leverage) ratio | 19.0495% | 236 |
| Tier 1 risk-based capital ratio | 34.1986% | 360 |
| Total risk-based capital ratio | 35.4497% | 350 |
| Memoranda: | ||
| Average total assets | $52,743,200 | 5,947 |
| Average earning assets | $50,972,200 | 5,866 |
| Average equity | $9,879,400 | 4,880 |
| Average total loans | $32,094,600 | 5,663 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 5,557 |
| Cost of funding earning assets | 0.5150% | 3,623 |
| Net interest margin | 3.0434% | 5,482 |
| Noninterest income to average assets | 0.8068% | 2,109 |
| Noninterest expense to average assets | 2.9331% | 3,198 |
| Loan and lease loss provision to assets | 0.1056% | 2,996 |
| Net operating income to assets | 0.7088% | 3,809 |
| Return on assets (ROA) | 0.7088% | 3,946 |
| Pretax return on assets | 0.7088% | 4,664 |
| Return on Equity (ROE) | 3.8103% | 5,305 |
| Retained earnings to average equity (ytd only) | 1.1350% | 5,526 |
| Net charge-offs to loans | -0.0459% | 6,284 |
| Credit loss provision to net charge-offs | -381.8182% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2696% | 2,381 |
| Assets per employee ($millions) | 3.9765% | 3,879 |
| Cash dividends to net income (ytd only)* | 70.2120% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 4,975 |
| Loan loss allowance to noncurrent loans | 110.6936% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 4,034 |
| Noncurrent loans to loans | 1.0651% | 3,672 |
| Net loans and leases to total assets | 62.1008% | 3,341 |
| Net loans and leases to deposits | 78.0430% | 2,659 |
| Net loans and leases to core deposits | 79.1026% | 3,217 |
| Total domestic deposits to total assets | 79.5725% | 5,616 |
| Equity capital to assets | 19.1005% | 249 |
| Core capital (leverage) ratio | 18.3818% | 275 |
| Tier 1 risk-based capital ratio | 32.7026% | 412 |
| Total risk-based capital ratio | 33.9549% | 405 |
| Memoranda: | ||
| Average total assets | $53,047,750 | 6,006 |
| Average earning assets | $51,256,750 | 5,921 |
| Average equity | $9,867,750 | 4,938 |
| Average total loans | $31,957,500 | 5,724 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5291% | 5,632 |
| Cost of funding earning assets | 0.5307% | 3,595 |
| Net interest margin | 2.9984% | 5,571 |
| Noninterest income to average assets | 0.9159% | 1,759 |
| Noninterest expense to average assets | 2.9234% | 3,262 |
| Loan and lease loss provision to assets | 0.1421% | 2,555 |
| Net operating income to assets | 0.7439% | 3,600 |
| Return on assets (ROA) | 0.7439% | 3,754 |
| Pretax return on assets | 0.7439% | 4,526 |
| Return on Equity (ROE) | 4.0342% | 5,205 |
| Retained earnings to average equity (ytd only) | 1.3582% | 5,343 |
| Net charge-offs to loans | -0.0503% | 6,269 |
| Credit loss provision to net charge-offs | -475.0000% | 5,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7419% | 2,676 |
| Assets per employee ($millions) | 4.0815% | 3,619 |
| Cash dividends to net income (ytd only)* | 66.3317% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 5,137 |
| Loan loss allowance to noncurrent loans | 126.5993% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.8670% | 4,075 |
| Noncurrent loans to loans | 0.9261% | 4,071 |
| Net loans and leases to total assets | 59.7354% | 3,704 |
| Net loans and leases to deposits | 74.5116% | 3,075 |
| Net loans and leases to core deposits | 75.4877% | 3,609 |
| Total domestic deposits to total assets | 80.1692% | 5,571 |
| Equity capital to assets | 18.6208% | 282 |
| Core capital (leverage) ratio | 17.8448% | 296 |
| Tier 1 risk-based capital ratio | 33.6725% | 382 |
| Total risk-based capital ratio | 34.9233% | 377 |
| Memoranda: | ||
| Average total assets | $53,498,670 | 6,033 |
| Average earning assets | $51,627,670 | 5,949 |
| Average equity | $9,865,670 | 4,975 |
| Average total loans | $31,781,330 | 5,763 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5010% | 5,701 |
| Cost of funding earning assets | 0.5410% | 3,664 |
| Net interest margin | 2.9600% | 5,678 |
| Noninterest income to average assets | 0.9531% | 1,605 |
| Noninterest expense to average assets | 2.9338% | 3,215 |
| Loan and lease loss provision to assets | 0.2010% | 1,849 |
| Net operating income to assets | 0.6702% | 3,846 |
| Return on assets (ROA) | 0.6702% | 4,002 |
| Pretax return on assets | 0.6702% | 4,704 |
| Return on Equity (ROE) | 3.6517% | 5,270 |
| Retained earnings to average equity (ytd only) | 0.9738% | 5,454 |
| Net charge-offs to loans | -0.0885% | 6,388 |
| Credit loss provision to net charge-offs | -385.7143% | 5,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1037% | 2,738 |
| Assets per employee ($millions) | 4.1495% | 3,628 |
| Cash dividends to net income (ytd only)* | 73.3333% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 5,333 |
| Loan loss allowance to noncurrent loans | 121.3333% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.1864% | 3,587 |
| Noncurrent loans to loans | 0.9633% | 4,211 |
| Net loans and leases to total assets | 57.0602% | 3,913 |
| Net loans and leases to deposits | 70.7944% | 3,353 |
| Net loans and leases to core deposits | 71.6981% | 3,856 |
| Total domestic deposits to total assets | 80.5999% | 5,602 |
| Equity capital to assets | 18.2786% | 315 |
| Core capital (leverage) ratio | 17.7725% | 297 |
| Tier 1 risk-based capital ratio | 33.7368% | 386 |
| Total risk-based capital ratio | 34.9863% | 381 |
| Memoranda: | ||
| Average total assets | $53,718,500 | 6,087 |
| Average earning assets | $51,756,500 | 5,999 |
| Average equity | $9,858,500 | 5,018 |
| Average total loans | $31,636,500 | 5,810 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 6,093 |
| Cost of funding earning assets | 0.6673% | 3,768 |
| Net interest margin | 3.0077% | 6,039 |
| Noninterest income to average assets | 0.9754% | 1,613 |
| Noninterest expense to average assets | 2.7628% | 4,173 |
| Loan and lease loss provision to assets | 0.3233% | 2,106 |
| Net operating income to assets | 0.7789% | 3,377 |
| Return on assets (ROA) | 0.7789% | 3,628 |
| Pretax return on assets | 0.7789% | 4,370 |
| Return on Equity (ROE) | 4.3411% | 5,005 |
| Retained earnings to average equity (ytd only) | 1.7406% | 4,989 |
| Net charge-offs to loans | 0.5331% | 2,127 |
| Credit loss provision to net charge-offs | 102.3256% | 2,943 |
| Earnings coverage of net charge-offs (x) | 3.4884% | 3,707 |
| Efficiency ratio | 71.4829% | 3,521 |
| Assets per employee ($millions) | 4.1149% | 3,711 |
| Cash dividends to net income (ytd only)* | 59.9057% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 5,871 |
| Loan loss allowance to noncurrent loans | 109.6346% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.5703% | 3,031 |
| Noncurrent loans to loans | 0.9368% | 4,313 |
| Net loans and leases to total assets | 59.4440% | 3,694 |
| Net loans and leases to deposits | 74.1132% | 3,071 |
| Net loans and leases to core deposits | 75.0702% | 3,650 |
| Total domestic deposits to total assets | 80.2071% | 5,608 |
| Equity capital to assets | 18.4264% | 299 |
| Core capital (leverage) ratio | 18.3699% | 262 |
| Tier 1 risk-based capital ratio | 32.9425% | 405 |
| Total risk-based capital ratio | 34.0608% | 398 |
| Memoranda: | ||
| Average total assets | $54,437,000 | 6,067 |
| Average earning assets | $52,299,800 | 5,973 |
| Average equity | $9,767,000 | 5,038 |
| Average total loans | $32,262,400 | 5,839 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7121% | 6,201 |
| Cost of funding earning assets | 0.6932% | 3,833 |
| Net interest margin | 3.0189% | 6,131 |
| Noninterest income to average assets | 0.9706% | 1,594 |
| Noninterest expense to average assets | 2.7484% | 4,182 |
| Loan and lease loss provision to assets | 0.3365% | 1,942 |
| Net operating income to assets | 0.7853% | 3,530 |
| Return on assets (ROA) | 0.7853% | 3,772 |
| Pretax return on assets | 0.7853% | 4,549 |
| Return on Equity (ROE) | 4.4058% | 5,093 |
| Retained earnings to average equity (ytd only) | 1.7240% | 5,470 |
| Net charge-offs to loans | 0.5326% | 2,011 |
| Credit loss provision to net charge-offs | 106.9767% | 2,747 |
| Earnings coverage of net charge-offs (x) | 3.5658% | 3,589 |
| Efficiency ratio | 71.0145% | 3,502 |
| Assets per employee ($millions) | 4.0298% | 3,810 |
| Cash dividends to net income (ytd only)* | 60.8707% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 5,920 |
| Loan loss allowance to noncurrent loans | 105.6782% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.6702% | 3,075 |
| Noncurrent loans to loans | 0.9881% | 4,467 |
| Net loans and leases to total assets | 60.5998% | 3,655 |
| Net loans and leases to deposits | 75.7956% | 3,013 |
| Net loans and leases to core deposits | 77.3619% | 3,559 |
| Total domestic deposits to total assets | 79.9515% | 5,664 |
| Equity capital to assets | 18.7390% | 314 |
| Core capital (leverage) ratio | 17.6677% | 319 |
| Tier 1 risk-based capital ratio | 30.8431% | 491 |
| Total risk-based capital ratio | 31.9441% | 486 |
| Memoranda: | ||
| Average total assets | $54,672,750 | 6,131 |
| Average earning assets | $52,511,750 | 6,039 |
| Average equity | $9,744,500 | 5,092 |
| Average total loans | $32,295,750 | 5,909 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6725% | 6,381 |
| Cost of funding earning assets | 0.7210% | 3,841 |
| Net interest margin | 2.9516% | 6,339 |
| Noninterest income to average assets | 0.7937% | 2,213 |
| Noninterest expense to average assets | 2.7420% | 4,244 |
| Loan and lease loss provision to assets | 0.1948% | 3,137 |
| Net operating income to assets | 0.6927% | 3,904 |
| Return on assets (ROA) | 0.6927% | 4,167 |
| Pretax return on assets | 0.6927% | 4,847 |
| Return on Equity (ROE) | 3.9505% | 5,289 |
| Retained earnings to average equity (ytd only) | 1.1111% | 5,627 |
| Net charge-offs to loans | 0.4016% | 2,418 |
| Credit loss provision to net charge-offs | 83.0769% | 3,241 |
| Earnings coverage of net charge-offs (x) | 3.7846% | 3,269 |
| Efficiency ratio | 75.5467% | 2,819 |
| Assets per employee ($millions) | 4.2430% | 3,375 |
| Cash dividends to net income (ytd only)* | 71.8750% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 6,282 |
| Loan loss allowance to noncurrent loans | 68.9278% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.5247% | 3,413 |
| Noncurrent loans to loans | 1.3985% | 3,826 |
| Net loans and leases to total assets | 58.6722% | 4,049 |
| Net loans and leases to deposits | 72.2986% | 3,568 |
| Net loans and leases to core deposits | 73.6896% | 4,068 |
| Total domestic deposits to total assets | 81.1527% | 5,414 |
| Equity capital to assets | 17.6671% | 372 |
| Core capital (leverage) ratio | 16.9517% | 372 |
| Tier 1 risk-based capital ratio | 31.5614% | 458 |
| Total risk-based capital ratio | 32.6307% | 458 |
| Memoranda: | ||
| Average total assets | $55,434,330 | 6,149 |
| Average earning assets | $53,260,000 | 6,054 |
| Average equity | $9,720,330 | 5,101 |
| Average total loans | $32,367,000 | 5,944 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7224% | 6,403 |
| Cost of funding earning assets | 0.7580% | 3,800 |
| Net interest margin | 2.9644% | 6,367 |
| Noninterest income to average assets | 0.8997% | 1,749 |
| Noninterest expense to average assets | 2.7136% | 4,380 |
| Loan and lease loss provision to assets | 0.1943% | 2,997 |
| Net operating income to assets | 0.8350% | 3,219 |
| Return on assets (ROA) | 0.8350% | 3,457 |
| Pretax return on assets | 0.8350% | 4,282 |
| Return on Equity (ROE) | 4.7796% | 4,890 |
| Retained earnings to average equity (ytd only) | 1.4833% | 5,498 |
| Net charge-offs to loans | 0.0993% | 3,543 |
| Credit loss provision to net charge-offs | 337.5000% | 891 |
| Earnings coverage of net charge-offs (x) | 17.8750% | 1,290 |
| Efficiency ratio | 72.5000% | 3,341 |
| Assets per employee ($millions) | 4.2854% | 3,426 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 5,995 |
| Loan loss allowance to noncurrent loans | 167.4757% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 1.0770% | 4,336 |
| Noncurrent loans to loans | 0.6413% | 5,357 |
| Net loans and leases to total assets | 57.0382% | 4,214 |
| Net loans and leases to deposits | 70.0823% | 3,725 |
| Net loans and leases to core deposits | 71.4100% | 4,235 |
| Total domestic deposits to total assets | 81.3875% | 5,498 |
| Equity capital to assets | 17.4780% | 381 |
| Core capital (leverage) ratio | 16.8855% | 366 |
| Tier 1 risk-based capital ratio | 32.4946% | 413 |
| Total risk-based capital ratio | 33.7020% | 406 |
| Memoranda: | ||
| Average total assets | $55,572,000 | 6,186 |
| Average earning assets | $53,299,000 | 6,090 |
| Average equity | $9,708,000 | 5,117 |
| Average total loans | $32,211,500 | 5,997 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0583% | 6,343 |
| Cost of funding earning assets | 0.9133% | 4,025 |
| Net interest margin | 3.1450% | 6,232 |
| Noninterest income to average assets | 0.7306% | 2,438 |
| Noninterest expense to average assets | 2.6622% | 4,879 |
| Loan and lease loss provision to assets | 0.2856% | 3,376 |
| Net operating income to assets | 0.8093% | 2,997 |
| Return on assets (ROA) | 0.8093% | 3,167 |
| Pretax return on assets | 0.8093% | 3,946 |
| Return on Equity (ROE) | 4.6270% | 4,559 |
| Retained earnings to average equity (ytd only) | 2.4601% | 4,469 |
| Net charge-offs to loans | 0.5510% | 2,811 |
| Credit loss provision to net charge-offs | 83.8710% | 4,284 |
| Earnings coverage of net charge-offs (x) | 3.2151% | 3,610 |
| Efficiency ratio | 70.8577% | 3,804 |
| Assets per employee ($millions) | 4.2642% | 3,332 |
| Cash dividends to net income (ytd only)* | 46.8326% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 6,172 |
| Loan loss allowance to noncurrent loans | 62.0952% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.6578% | 3,465 |
| Noncurrent loans to loans | 1.6253% | 3,722 |
| Net loans and leases to total assets | 57.6830% | 4,431 |
| Net loans and leases to deposits | 70.9380% | 3,957 |
| Net loans and leases to core deposits | 72.2867% | 4,474 |
| Total domestic deposits to total assets | 81.3147% | 5,358 |
| Equity capital to assets | 17.4604% | 390 |
| Core capital (leverage) ratio | 17.4429% | 335 |
| Tier 1 risk-based capital ratio | 32.8098% | 395 |
| Total risk-based capital ratio | 33.9302% | 395 |
| Memoranda: | ||
| Average total assets | $54,615,600 | 6,210 |
| Average earning assets | $52,558,800 | 6,106 |
| Average equity | $9,552,600 | 5,135 |
| Average total loans | $33,758,000 | 5,961 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 6,390 |
| Cost of funding earning assets | 0.9451% | 4,079 |
| Net interest margin | 3.1654% | 6,245 |
| Noninterest income to average assets | 0.6175% | 3,067 |
| Noninterest expense to average assets | 2.6906% | 4,765 |
| Loan and lease loss provision to assets | 0.2303% | 3,712 |
| Net operating income to assets | 0.7498% | 3,381 |
| Return on assets (ROA) | 0.7498% | 3,543 |
| Pretax return on assets | 0.7498% | 4,310 |
| Return on Equity (ROE) | 4.2852% | 4,872 |
| Retained earnings to average equity (ytd only) | 2.4366% | 4,905 |
| Net charge-offs to loans | 0.1954% | 4,240 |
| Credit loss provision to net charge-offs | 188.0000% | 1,552 |
| Earnings coverage of net charge-offs (x) | 7.9994% | 2,264 |
| Efficiency ratio | 73.2977% | 3,313 |
| Assets per employee ($millions) | 4.1398% | 3,565 |
| Cash dividends to net income (ytd only)* | 43.1383% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 5,600 |
| Loan loss allowance to noncurrent loans | 74.1220% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.2245% | 4,347 |
| Noncurrent loans to loans | 1.5763% | 3,936 |
| Net loans and leases to total assets | 63.0254% | 3,509 |
| Net loans and leases to deposits | 77.8959% | 3,017 |
| Net loans and leases to core deposits | 79.4319% | 3,717 |
| Total domestic deposits to total assets | 80.9097% | 5,465 |
| Equity capital to assets | 17.8621% | 406 |
| Core capital (leverage) ratio | 17.2792% | 371 |
| Tier 1 risk-based capital ratio | 30.3064% | 522 |
| Total risk-based capital ratio | 31.5573% | 512 |
| Memoranda: | ||
| Average total assets | $54,411,000 | 6,266 |
| Average earning assets | $52,482,750 | 6,151 |
| Average equity | $9,521,000 | 5,170 |
| Average total loans | $34,122,000 | 6,015 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 6,390 |
| Cost of funding earning assets | 0.9725% | 4,149 |
| Net interest margin | 3.1759% | 6,227 |
| Noninterest income to average assets | 0.4944% | 3,914 |
| Noninterest expense to average assets | 2.7065% | 4,801 |
| Loan and lease loss provision to assets | 0.1978% | 3,954 |
| Net operating income to assets | 0.6519% | 3,789 |
| Return on assets (ROA) | 0.6519% | 3,914 |
| Pretax return on assets | 0.6519% | 4,570 |
| Return on Equity (ROE) | 3.7512% | 5,039 |
| Retained earnings to average equity (ytd only) | 1.8124% | 5,091 |
| Net charge-offs to loans | 0.2055% | 3,924 |
| Credit loss provision to net charge-offs | 154.2857% | 1,973 |
| Earnings coverage of net charge-offs (x) | 6.6286% | 2,364 |
| Efficiency ratio | 76.1071% | 2,994 |
| Assets per employee ($millions) | 4.1191% | 3,518 |
| Cash dividends to net income (ytd only)* | 51.6854% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 5,910 |
| Loan loss allowance to noncurrent loans | 48.4536% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 1.6639% | 3,686 |
| Noncurrent loans to loans | 2.2946% | 3,110 |
| Net loans and leases to total assets | 62.4542% | 3,801 |
| Net loans and leases to deposits | 77.0683% | 3,285 |
| Net loans and leases to core deposits | 78.1305% | 4,039 |
| Total domestic deposits to total assets | 81.0376% | 5,513 |
| Equity capital to assets | 17.7803% | 404 |
| Core capital (leverage) ratio | 16.9309% | 409 |
| Tier 1 risk-based capital ratio | 30.2442% | 520 |
| Total risk-based capital ratio | 31.4952% | 510 |
| Memoranda: | ||
| Average total assets | $54,608,670 | 6,309 |
| Average earning assets | $52,645,670 | 6,204 |
| Average equity | $9,490,330 | 5,188 |
| Average total loans | $34,056,000 | 6,069 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 6,582 |
| Cost of funding earning assets | 0.9944% | 4,241 |
| Net interest margin | 3.0659% | 6,427 |
| Noninterest income to average assets | 0.4062% | 4,662 |
| Noninterest expense to average assets | 2.7277% | 4,725 |
| Loan and lease loss provision to assets | 0.1959% | 3,666 |
| Net operating income to assets | 0.4353% | 4,781 |
| Return on assets (ROA) | 0.4353% | 4,862 |
| Pretax return on assets | 0.4353% | 5,230 |
| Return on Equity (ROE) | 2.5330% | 5,589 |
| Retained earnings to average equity (ytd only) | 2.5330% | 4,642 |
| Net charge-offs to loans | -0.0117% | 6,405 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2095% | 2,340 |
| Assets per employee ($millions) | 4.5532% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 5,953 |
| Loan loss allowance to noncurrent loans | 51.4706% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 1.5795% | 3,879 |
| Noncurrent loans to loans | 2.1885% | 3,336 |
| Net loans and leases to total assets | 61.8507% | 3,887 |
| Net loans and leases to deposits | 75.9313% | 3,432 |
| Net loans and leases to core deposits | 77.8359% | 4,044 |
| Total domestic deposits to total assets | 81.4561% | 5,509 |
| Equity capital to assets | 17.3817% | 409 |
| Core capital (leverage) ratio | 16.6452% | 425 |
| Tier 1 risk-based capital ratio | 29.5111% | 544 |
| Total risk-based capital ratio | 30.7627% | 534 |
| Memoranda: | ||
| Average total assets | $55,139,000 | 6,341 |
| Average earning assets | $53,099,500 | 6,231 |
| Average equity | $9,475,000 | 5,188 |
| Average total loans | $34,174,500 | 6,118 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 6,658 |
| Cost of funding earning assets | 1.3546% | 3,544 |
| Net interest margin | 3.0220% | 6,694 |
| Noninterest income to average assets | 0.8869% | 1,898 |
| Noninterest expense to average assets | 2.7491% | 4,785 |
| Loan and lease loss provision to assets | 0.2704% | 4,641 |
| Net operating income to assets | 0.7589% | 2,959 |
| Return on assets (ROA) | 0.7589% | 3,082 |
| Pretax return on assets | 0.7589% | 3,763 |
| Return on Equity (ROE) | 4.5077% | 4,295 |
| Retained earnings to average equity (ytd only) | 2.8267% | 3,870 |
| Net charge-offs to loans | 0.3134% | 4,455 |
| Credit loss provision to net charge-offs | 136.3636% | 2,815 |
| Earnings coverage of net charge-offs (x) | 5.1909% | 2,692 |
| Efficiency ratio | 72.7576% | 3,646 |
| Assets per employee ($millions) | 4.2800% | 3,248 |
| Cash dividends to net income (ytd only)* | 37.2922% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 6,174 |
| Loan loss allowance to noncurrent loans | 62.4126% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.2347% | 4,553 |
| Noncurrent loans to loans | 1.6740% | 3,989 |
| Net loans and leases to total assets | 60.7710% | 4,532 |
| Net loans and leases to deposits | 74.4813% | 4,119 |
| Net loans and leases to core deposits | 76.3084% | 4,658 |
| Total domestic deposits to total assets | 81.5924% | 5,326 |
| Equity capital to assets | 16.9896% | 460 |
| Core capital (leverage) ratio | 16.7622% | 415 |
| Tier 1 risk-based capital ratio | 30.5642% | 489 |
| Total risk-based capital ratio | 31.7374% | 481 |
| Memoranda: | ||
| Average total assets | $55,473,400 | 6,353 |
| Average earning assets | $53,078,200 | 6,251 |
| Average equity | $9,339,600 | 5,321 |
| Average total loans | $35,101,000 | 6,151 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4353% | 6,754 |
| Cost of funding earning assets | 1.4281% | 3,403 |
| Net interest margin | 3.0072% | 6,816 |
| Noninterest income to average assets | 0.7312% | 2,632 |
| Noninterest expense to average assets | 2.7420% | 4,717 |
| Loan and lease loss provision to assets | 0.1948% | 5,090 |
| Net operating income to assets | 0.6663% | 3,565 |
| Return on assets (ROA) | 0.6663% | 3,730 |
| Pretax return on assets | 0.6663% | 4,366 |
| Return on Equity (ROE) | 3.9664% | 4,799 |
| Retained earnings to average equity (ytd only) | 3.1503% | 4,228 |
| Net charge-offs to loans | 0.1774% | 4,895 |
| Credit loss provision to net charge-offs | 172.3404% | 2,143 |
| Earnings coverage of net charge-offs (x) | 7.6164% | 2,293 |
| Efficiency ratio | 76.1015% | 2,934 |
| Assets per employee ($millions) | 4.3196% | 3,225 |
| Cash dividends to net income (ytd only)* | 20.5784% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 6,428 |
| Loan loss allowance to noncurrent loans | 31.4516% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 2.1921% | 3,217 |
| Noncurrent loans to loans | 3.1541% | 2,521 |
| Net loans and leases to total assets | 62.3845% | 4,453 |
| Net loans and leases to deposits | 76.1781% | 4,153 |
| Net loans and leases to core deposits | 78.4785% | 4,745 |
| Total domestic deposits to total assets | 81.8930% | 5,037 |
| Equity capital to assets | 16.8231% | 541 |
| Core capital (leverage) ratio | 16.3363% | 514 |
| Tier 1 risk-based capital ratio | 29.1765% | 561 |
| Total risk-based capital ratio | 30.3226% | 552 |
| Memoranda: | ||
| Average total assets | $55,431,750 | 6,433 |
| Average earning assets | $52,937,500 | 6,331 |
| Average equity | $9,311,250 | 5,401 |
| Average total loans | $35,333,750 | 6,225 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4498% | 6,804 |
| Cost of funding earning assets | 1.4845% | 3,342 |
| Net interest margin | 2.9653% | 6,910 |
| Noninterest income to average assets | 0.5689% | 3,552 |
| Noninterest expense to average assets | 2.6671% | 5,049 |
| Loan and lease loss provision to assets | 0.1957% | 4,919 |
| Net operating income to assets | 0.5291% | 4,202 |
| Return on assets (ROA) | 0.5291% | 4,355 |
| Pretax return on assets | 0.5291% | 4,818 |
| Return on Equity (ROE) | 3.1513% | 5,153 |
| Retained earnings to average equity (ytd only) | 2.3311% | 4,671 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6325% | 2,640 |
| Assets per employee ($millions) | 4.2545% | 3,293 |
| Cash dividends to net income (ytd only)* | 26.0274% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 6,216 |
| Loan loss allowance to noncurrent loans | 39.5522% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 1.9039% | 3,616 |
| Noncurrent loans to loans | 2.6378% | 3,001 |
| Net loans and leases to total assets | 63.6237% | 4,329 |
| Net loans and leases to deposits | 77.6816% | 4,044 |
| Net loans and leases to core deposits | 80.5222% | 4,629 |
| Total domestic deposits to total assets | 81.9032% | 5,028 |
| Equity capital to assets | 16.8746% | 546 |
| Core capital (leverage) ratio | 16.6852% | 476 |
| Tier 1 risk-based capital ratio | 29.2057% | 558 |
| Total risk-based capital ratio | 30.3906% | 549 |
| Memoranda: | ||
| Average total assets | $55,190,670 | 6,484 |
| Average earning assets | $52,541,330 | 6,385 |
| Average equity | $9,266,000 | 5,424 |
| Average total loans | $35,317,330 | 6,272 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 6,811 |
| Cost of funding earning assets | 1.5780% | 3,089 |
| Net interest margin | 2.9109% | 7,003 |
| Noninterest income to average assets | 0.5369% | 3,759 |
| Noninterest expense to average assets | 2.6917% | 4,942 |
| Loan and lease loss provision to assets | 0.1959% | 4,544 |
| Net operating income to assets | 0.4063% | 4,810 |
| Return on assets (ROA) | 0.4063% | 4,956 |
| Pretax return on assets | 0.4063% | 5,273 |
| Return on Equity (ROE) | 2.4262% | 5,580 |
| Retained earnings to average equity (ytd only) | 1.6030% | 5,144 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7181% | 2,308 |
| Assets per employee ($millions) | 4.1930% | 3,477 |
| Cash dividends to net income (ytd only)* | 33.9286% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 6,562 |
| Loan loss allowance to noncurrent loans | 38.6083% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 1.8456% | 3,716 |
| Noncurrent loans to loans | 2.5361% | 3,134 |
| Net loans and leases to total assets | 63.8207% | 4,370 |
| Net loans and leases to deposits | 77.9843% | 4,051 |
| Net loans and leases to core deposits | 80.8722% | 4,646 |
| Total domestic deposits to total assets | 81.8379% | 5,136 |
| Equity capital to assets | 16.9715% | 538 |
| Core capital (leverage) ratio | 16.1123% | 566 |
| Tier 1 risk-based capital ratio | 27.7306% | 655 |
| Total risk-based capital ratio | 28.8209% | 656 |
| Memoranda: | ||
| Average total assets | $55,132,000 | 6,564 |
| Average earning assets | $52,217,500 | 6,469 |
| Average equity | $9,232,500 | 5,473 |
| Average total loans | $35,196,000 | 6,358 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1243% | 5,983 |
| Cost of funding earning assets | 2.0966% | 2,475 |
| Net interest margin | 3.0277% | 6,576 |
| Noninterest income to average assets | 1.1943% | 1,082 |
| Noninterest expense to average assets | 2.8385% | 4,801 |
| Loan and lease loss provision to assets | 0.3683% | 4,580 |
| Net operating income to assets | 0.8582% | 2,317 |
| Return on assets (ROA) | 0.8582% | 2,392 |
| Pretax return on assets | 0.8582% | 3,061 |
| Return on Equity (ROE) | 4.9594% | 3,684 |
| Retained earnings to average equity (ytd only) | 3.2478% | 2,886 |
| Net charge-offs to loans | 0.8049% | 2,813 |
| Credit loss provision to net charge-offs | 64.2384% | 6,578 |
| Earnings coverage of net charge-offs (x) | 2.1391% | 4,120 |
| Efficiency ratio | 69.8272% | 4,663 |
| Assets per employee ($millions) | 4.2888% | 3,284 |
| Cash dividends to net income (ytd only)* | 34.5133% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 6,813 |
| Loan loss allowance to noncurrent loans | 36.9895% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 1.7362% | 3,766 |
| Noncurrent loans to loans | 2.4305% | 3,121 |
| Net loans and leases to total assets | 62.6724% | 4,868 |
| Net loans and leases to deposits | 76.3098% | 4,681 |
| Net loans and leases to core deposits | 95.6556% | 4,499 |
| Total domestic deposits to total assets | 82.1290% | 4,892 |
| Equity capital to assets | 16.5259% | 615 |
| Core capital (leverage) ratio | 16.4916% | 553 |
| Tier 1 risk-based capital ratio | 27.5742% | 667 |
| Total risk-based capital ratio | 28.5422% | 667 |
| Memoranda: | ||
| Average total assets | $52,667,800 | 6,607 |
| Average earning assets | $49,938,600 | 6,534 |
| Average equity | $9,114,000 | 5,575 |
| Average total loans | $37,521,600 | 6,221 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2844% | 5,511 |
| Cost of funding earning assets | 2.1742% | 2,533 |
| Net interest margin | 3.1102% | 6,288 |
| Noninterest income to average assets | 1.3617% | 815 |
| Noninterest expense to average assets | 2.9057% | 4,432 |
| Loan and lease loss provision to assets | 0.3366% | 4,316 |
| Net operating income to assets | 1.0816% | 1,792 |
| Return on assets (ROA) | 1.0816% | 1,843 |
| Pretax return on assets | 1.0816% | 2,636 |
| Return on Equity (ROE) | 6.1758% | 3,452 |
| Retained earnings to average equity (ytd only) | 4.4595% | 2,781 |
| Net charge-offs to loans | 0.0070% | 6,865 |
| Credit loss provision to net charge-offs | 6,550.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 275.6479% | 135 |
| Efficiency ratio | 67.2014% | 5,140 |
| Assets per employee ($millions) | 4.1032% | 3,554 |
| Cash dividends to net income (ytd only)* | 27.7916% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5506% | 3,193 |
| Loan loss allowance to noncurrent loans | 52.4621% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 2.1878% | 3,111 |
| Noncurrent loans to loans | 2.9556% | 2,564 |
| Net loans and leases to total assets | 65.9424% | 4,445 |
| Net loans and leases to deposits | 81.2769% | 4,155 |
| Net loans and leases to core deposits | 101.4010% | 4,224 |
| Total domestic deposits to total assets | 81.1331% | 5,021 |
| Equity capital to assets | 17.3634% | 580 |
| Core capital (leverage) ratio | 16.6386% | 596 |
| Tier 1 risk-based capital ratio | 26.7431% | 768 |
| Total risk-based capital ratio | 27.9950% | 744 |
| Memoranda: | ||
| Average total assets | $51,896,000 | 6,690 |
| Average earning assets | $49,427,500 | 6,596 |
| Average equity | $9,089,000 | 5,637 |
| Average total loans | $38,087,000 | 6,243 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4671% | 4,799 |
| Cost of funding earning assets | 2.2538% | 2,558 |
| Net interest margin | 3.2133% | 5,868 |
| Noninterest income to average assets | 1.5677% | 610 |
| Noninterest expense to average assets | 3.0381% | 3,926 |
| Loan and lease loss provision to assets | 0.2101% | 4,945 |
| Net operating income to assets | 1.3809% | 1,067 |
| Return on assets (ROA) | 1.3809% | 1,135 |
| Pretax return on assets | 1.3809% | 1,785 |
| Return on Equity (ROE) | 7.8615% | 2,831 |
| Retained earnings to average equity (ytd only) | 6.1342% | 1,957 |
| Net charge-offs to loans | 0.0103% | 6,421 |
| Credit loss provision to net charge-offs | 2,700.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 204.5000% | 205 |
| Efficiency ratio | 65.6303% | 5,609 |
| Assets per employee ($millions) | 4.0258% | 3,628 |
| Cash dividends to net income (ytd only)* | 21.9718% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 4,380 |
| Loan loss allowance to noncurrent loans | 47.2277% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 2.1420% | 3,003 |
| Noncurrent loans to loans | 2.7156% | 2,649 |
| Net loans and leases to total assets | 70.1557% | 3,664 |
| Net loans and leases to deposits | 86.6884% | 3,419 |
| Net loans and leases to core deposits | 107.6905% | 3,641 |
| Total domestic deposits to total assets | 80.9286% | 5,104 |
| Equity capital to assets | 17.5428% | 600 |
| Core capital (leverage) ratio | 17.2329% | 587 |
| Tier 1 risk-based capital ratio | 27.2255% | 766 |
| Total risk-based capital ratio | 28.4791% | 748 |
| Memoranda: | ||
| Average total assets | $51,414,000 | 6,772 |
| Average earning assets | $48,984,330 | 6,674 |
| Average equity | $9,031,330 | 5,676 |
| Average total loans | $38,873,000 | 6,253 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5977% | 4,368 |
| Cost of funding earning assets | 2.3160% | 2,630 |
| Net interest margin | 3.2817% | 5,568 |
| Noninterest income to average assets | 1.3267% | 812 |
| Noninterest expense to average assets | 3.0852% | 3,434 |
| Loan and lease loss provision to assets | 0.2120% | 4,325 |
| Net operating income to assets | 1.1775% | 1,720 |
| Return on assets (ROA) | 1.1775% | 1,829 |
| Pretax return on assets | 1.1775% | 2,694 |
| Return on Equity (ROE) | 6.6990% | 3,719 |
| Retained earnings to average equity (ytd only) | 4.9573% | 3,153 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9474% | 4,784 |
| Assets per employee ($millions) | 3.9623% | 3,743 |
| Cash dividends to net income (ytd only)* | 26.0000% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 5,138 |
| Loan loss allowance to noncurrent loans | 45.2452% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 2.1549% | 2,667 |
| Noncurrent loans to loans | 2.5368% | 2,598 |
| Net loans and leases to total assets | 75.5737% | 2,373 |
| Net loans and leases to deposits | 93.3816% | 2,374 |
| Net loans and leases to core deposits | 114.5177% | 2,953 |
| Total domestic deposits to total assets | 80.9299% | 5,001 |
| Equity capital to assets | 17.5325% | 666 |
| Core capital (leverage) ratio | 16.8168% | 675 |
| Tier 1 risk-based capital ratio | 25.4469% | 938 |
| Total risk-based capital ratio | 26.6972% | 912 |
| Memoranda: | ||
| Average total assets | $50,953,500 | 6,823 |
| Average earning assets | $48,877,500 | 6,713 |
| Average equity | $8,956,500 | 5,713 |
| Average total loans | $39,713,000 | 6,251 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2576% | 4,200 |
| Cost of funding earning assets | 2.9125% | 2,212 |
| Net interest margin | 3.3451% | 5,884 |
| Noninterest income to average assets | 0.4004% | 5,466 |
| Noninterest expense to average assets | 2.8321% | 4,690 |
| Loan and lease loss provision to assets | 0.2089% | 4,806 |
| Net operating income to assets | 0.5610% | 4,475 |
| Return on assets (ROA) | 0.5842% | 4,241 |
| Pretax return on assets | 0.5842% | 4,742 |
| Return on Equity (ROE) | 3.4430% | 5,066 |
| Retained earnings to average equity (ytd only) | 1.2769% | 4,450 |
| Net charge-offs to loans | 0.0720% | 5,734 |
| Credit loss provision to net charge-offs | 385.7143% | 1,145 |
| Earnings coverage of net charge-offs (x) | 14.2143% | 2,061 |
| Efficiency ratio | 78.6251% | 2,819 |
| Assets per employee ($millions) | 3.8767% | 3,795 |
| Cash dividends to net income (ytd only)* | 62.9139% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 5,539 |
| Loan loss allowance to noncurrent loans | 42.5425% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 2.2025% | 2,217 |
| Noncurrent loans to loans | 2.4946% | 2,184 |
| Net loans and leases to total assets | 78.6178% | 1,974 |
| Net loans and leases to deposits | 97.3656% | 2,219 |
| Net loans and leases to core deposits | 121.1577% | 2,593 |
| Total domestic deposits to total assets | 80.7449% | 4,752 |
| Equity capital to assets | 17.6241% | 701 |
| Core capital (leverage) ratio | 17.3665% | 662 |
| Tier 1 risk-based capital ratio | 25.7678% | 923 |
| Total risk-based capital ratio | 27.0192% | 896 |
| Memoranda: | ||
| Average total assets | $51,692,800 | 6,705 |
| Average earning assets | $49,476,000 | 6,615 |
| Average equity | $8,771,400 | 5,821 |
| Average total loans | $38,891,800 | 6,229 |