Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6975% | 5,565 |
| Cost of funding earning assets | 0.2093% | 4,889 |
| Net interest margin | 2.4882% | 5,479 |
| Noninterest income to average assets | 0.3626% | 3,940 |
| Noninterest expense to average assets | 2.4937% | 3,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2704% | 5,269 |
| Return on assets (ROA) | 0.3213% | 5,206 |
| Pretax return on assets | 0.3435% | 5,271 |
| Return on Equity (ROE) | 2.3577% | 5,252 |
| Retained earnings to average equity (ytd only) | 1.6574% | 4,765 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6000% | 425 |
| Assets per employee ($millions) | 5.3400% | 2,078 |
| Cash dividends to net income (ytd only)* | 29.7044% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 20.2739% | 5,635 |
| Net loans and leases to deposits | 23.5379% | 5,641 |
| Net loans and leases to core deposits | 23.7028% | 5,641 |
| Total domestic deposits to total assets | 86.1330% | 2,255 |
| Equity capital to assets | 13.3895% | 1,209 |
| Core capital (leverage) ratio | 13.3169% | 1,100 |
| Tier 1 risk-based capital ratio | 41.0183% | 207 |
| Total risk-based capital ratio | 41.8071% | 211 |
| Memoranda: | ||
| Average total assets | $41,917,250 | 5,365 |
| Average earning assets | $40,777,500 | 5,314 |
| Average equity | $5,711,500 | 5,204 |
| Average total loans | $9,245,250 | 5,618 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6668% | 5,605 |
| Cost of funding earning assets | 0.1975% | 5,009 |
| Net interest margin | 2.4692% | 5,526 |
| Noninterest income to average assets | 0.4130% | 3,608 |
| Noninterest expense to average assets | 2.0216% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6195% | 4,218 |
| Return on assets (ROA) | 0.6195% | 4,265 |
| Pretax return on assets | 0.7923% | 4,297 |
| Return on Equity (ROE) | 4.5194% | 4,655 |
| Retained earnings to average equity (ytd only) | 3.4684% | 3,642 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8430% | 2,366 |
| Assets per employee ($millions) | 5.1934% | 2,164 |
| Cash dividends to net income (ytd only)* | 23.2558% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 3,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 22.0955% | 5,671 |
| Net loans and leases to deposits | 25.8054% | 5,674 |
| Net loans and leases to core deposits | 25.9924% | 5,678 |
| Total domestic deposits to total assets | 85.6235% | 2,559 |
| Equity capital to assets | 13.8349% | 1,019 |
| Core capital (leverage) ratio | 13.9888% | 869 |
| Tier 1 risk-based capital ratio | 39.3429% | 220 |
| Total risk-based capital ratio | 40.0958% | 223 |
| Memoranda: | ||
| Average total assets | $41,649,670 | 5,413 |
| Average earning assets | $40,498,670 | 5,362 |
| Average equity | $5,708,670 | 5,236 |
| Average total loans | $9,403,330 | 5,655 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5124% | 5,715 |
| Cost of funding earning assets | 0.1971% | 5,003 |
| Net interest margin | 2.3154% | 5,655 |
| Noninterest income to average assets | 0.5659% | 2,575 |
| Noninterest expense to average assets | 1.8705% | 5,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7674% | 3,384 |
| Return on assets (ROA) | 0.7674% | 3,437 |
| Pretax return on assets | 0.9496% | 3,589 |
| Return on Equity (ROE) | 5.6249% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.6249% | 2,531 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3265% | 3,439 |
| Assets per employee ($millions) | 5.2134% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 3,039 |
| Loan loss allowance to noncurrent loans | 183.3333% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 4,688 |
| Noncurrent loans to loans | 0.6631% | 2,845 |
| Net loans and leases to total assets | 21.4329% | 5,736 |
| Net loans and leases to deposits | 24.9776% | 5,736 |
| Net loans and leases to core deposits | 25.1569% | 5,742 |
| Total domestic deposits to total assets | 85.8081% | 2,754 |
| Equity capital to assets | 13.7363% | 993 |
| Core capital (leverage) ratio | 13.4443% | 992 |
| Tier 1 risk-based capital ratio | 38.8591% | 240 |
| Total risk-based capital ratio | 39.6052% | 244 |
| Memoranda: | ||
| Average total assets | $41,701,000 | 5,473 |
| Average earning assets | $40,598,500 | 5,416 |
| Average equity | $5,689,000 | 5,285 |
| Average total loans | $9,460,000 | 5,721 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7444% | 5,671 |
| Cost of funding earning assets | 0.1772% | 5,237 |
| Net interest margin | 2.5672% | 5,546 |
| Noninterest income to average assets | 0.3317% | 4,360 |
| Noninterest expense to average assets | 2.2637% | 4,626 |
| Loan and lease loss provision to assets | 0.0025% | 4,303 |
| Net operating income to assets | 0.5140% | 4,576 |
| Return on assets (ROA) | 0.5140% | 4,659 |
| Pretax return on assets | 0.5596% | 4,901 |
| Return on Equity (ROE) | 3.6193% | 4,971 |
| Retained earnings to average equity (ytd only) | 2.5496% | 4,065 |
| Net charge-offs to loans | 0.0104% | 3,918 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 222.0000% | 314 |
| Efficiency ratio | 80.1075% | 1,408 |
| Assets per employee ($millions) | 5.2119% | 2,158 |
| Cash dividends to net income (ytd only)* | 29.5567% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,626 |
| Loan loss allowance to noncurrent loans | 180.3279% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 4,726 |
| Noncurrent loans to loans | 0.6180% | 2,998 |
| Net loans and leases to total assets | 23.4105% | 5,767 |
| Net loans and leases to deposits | 27.1864% | 5,769 |
| Net loans and leases to core deposits | 27.3809% | 5,780 |
| Total domestic deposits to total assets | 86.1110% | 2,530 |
| Equity capital to assets | 13.5484% | 1,024 |
| Core capital (leverage) ratio | 13.4596% | 986 |
| Tier 1 risk-based capital ratio | 37.4428% | 263 |
| Total risk-based capital ratio | 38.1719% | 275 |
| Memoranda: | ||
| Average total assets | $39,493,000 | 5,551 |
| Average earning assets | $38,368,400 | 5,501 |
| Average equity | $5,608,800 | 5,351 |
| Average total loans | $9,627,200 | 5,775 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7601% | 5,732 |
| Cost of funding earning assets | 0.1763% | 5,295 |
| Net interest margin | 2.5839% | 5,600 |
| Noninterest income to average assets | 0.3663% | 4,158 |
| Noninterest expense to average assets | 2.0714% | 5,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6745% | 3,988 |
| Return on assets (ROA) | 0.6745% | 4,106 |
| Pretax return on assets | 0.8046% | 4,295 |
| Return on Equity (ROE) | 4.6914% | 4,648 |
| Retained earnings to average equity (ytd only) | 3.9770% | 3,478 |
| Net charge-offs to loans | -0.0139% | 4,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0238% | 2,577 |
| Assets per employee ($millions) | 4.9176% | 2,467 |
| Cash dividends to net income (ytd only)* | 15.2288% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 3,655 |
| Loan loss allowance to noncurrent loans | 185.0000% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 4,831 |
| Noncurrent loans to loans | 0.6127% | 3,180 |
| Net loans and leases to total assets | 24.6105% | 5,817 |
| Net loans and leases to deposits | 28.9430% | 5,826 |
| Net loans and leases to core deposits | 29.1644% | 5,834 |
| Total domestic deposits to total assets | 85.0309% | 2,791 |
| Equity capital to assets | 14.4201% | 898 |
| Core capital (leverage) ratio | 14.0930% | 822 |
| Tier 1 risk-based capital ratio | 39.2242% | 237 |
| Total risk-based capital ratio | 39.9917% | 243 |
| Memoranda: | ||
| Average total assets | $38,942,500 | 5,613 |
| Average earning assets | $37,823,250 | 5,568 |
| Average equity | $5,598,750 | 5,406 |
| Average total loans | $9,566,250 | 5,840 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7640% | 5,819 |
| Cost of funding earning assets | 0.1701% | 5,410 |
| Net interest margin | 2.5939% | 5,671 |
| Noninterest income to average assets | 0.4226% | 3,717 |
| Noninterest expense to average assets | 2.0459% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7472% | 3,561 |
| Return on assets (ROA) | 0.7472% | 3,716 |
| Pretax return on assets | 0.8915% | 3,984 |
| Return on Equity (ROE) | 5.2027% | 4,426 |
| Retained earnings to average equity (ytd only) | 4.1263% | 3,279 |
| Net charge-offs to loans | -0.0211% | 4,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6491% | 3,036 |
| Assets per employee ($millions) | 4.8964% | 2,415 |
| Cash dividends to net income (ytd only)* | 20.6897% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,962 |
| Loan loss allowance to noncurrent loans | 185.0000% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 4,899 |
| Noncurrent loans to loans | 0.6859% | 3,019 |
| Net loans and leases to total assets | 22.0469% | 5,917 |
| Net loans and leases to deposits | 25.8687% | 5,924 |
| Net loans and leases to core deposits | 26.0670% | 5,936 |
| Total domestic deposits to total assets | 85.2263% | 2,773 |
| Equity capital to assets | 14.3499% | 916 |
| Core capital (leverage) ratio | 14.7424% | 655 |
| Tier 1 risk-based capital ratio | 42.3619% | 203 |
| Total risk-based capital ratio | 43.1984% | 201 |
| Memoranda: | ||
| Average total assets | $38,809,670 | 5,678 |
| Average earning assets | $37,626,330 | 5,638 |
| Average equity | $5,574,000 | 5,463 |
| Average total loans | $9,490,670 | 5,913 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7986% | 5,857 |
| Cost of funding earning assets | 0.1716% | 5,454 |
| Net interest margin | 2.6270% | 5,699 |
| Noninterest income to average assets | 0.6213% | 2,409 |
| Noninterest expense to average assets | 1.9778% | 5,385 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9216% | 2,638 |
| Return on assets (ROA) | 0.9216% | 2,749 |
| Pretax return on assets | 1.1805% | 2,781 |
| Return on Equity (ROE) | 6.4138% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.4138% | 2,180 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6230% | 4,351 |
| Assets per employee ($millions) | 4.6141% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 3,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 25.5655% | 5,926 |
| Net loans and leases to deposits | 30.3012% | 5,925 |
| Net loans and leases to core deposits | 30.5494% | 5,940 |
| Total domestic deposits to total assets | 84.3714% | 3,368 |
| Equity capital to assets | 15.1573% | 662 |
| Core capital (leverage) ratio | 14.7859% | 645 |
| Tier 1 risk-based capital ratio | 40.2286% | 231 |
| Total risk-based capital ratio | 41.0196% | 230 |
| Memoranda: | ||
| Average total assets | $38,629,000 | 5,740 |
| Average earning assets | $37,304,500 | 5,697 |
| Average equity | $5,550,500 | 5,504 |
| Average total loans | $9,862,500 | 5,964 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9214% | 5,796 |
| Cost of funding earning assets | 0.1824% | 5,424 |
| Net interest margin | 2.7390% | 5,607 |
| Noninterest income to average assets | 0.3122% | 4,661 |
| Noninterest expense to average assets | 2.2857% | 4,829 |
| Loan and lease loss provision to assets | -0.0054% | 5,612 |
| Net operating income to assets | 0.6216% | 4,177 |
| Return on assets (ROA) | 0.6216% | 4,269 |
| Pretax return on assets | 0.6814% | 4,582 |
| Return on Equity (ROE) | 4.1989% | 4,853 |
| Retained earnings to average equity (ytd only) | 3.0988% | 3,850 |
| Net charge-offs to loans | -0.0202% | 5,270 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1769% | 2,091 |
| Assets per employee ($millions) | 5.0431% | 2,317 |
| Cash dividends to net income (ytd only)* | 26.2009% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 4,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 24.9548% | 5,993 |
| Net loans and leases to deposits | 28.9960% | 6,005 |
| Net loans and leases to core deposits | 29.2089% | 6,014 |
| Total domestic deposits to total assets | 86.0627% | 2,610 |
| Equity capital to assets | 13.6473% | 1,062 |
| Core capital (leverage) ratio | 14.8654% | 642 |
| Tier 1 risk-based capital ratio | 37.1375% | 277 |
| Total risk-based capital ratio | 37.8794% | 292 |
| Memoranda: | ||
| Average total assets | $36,838,200 | 5,831 |
| Average earning assets | $35,633,200 | 5,774 |
| Average equity | $5,453,800 | 5,549 |
| Average total loans | $9,896,400 | 6,015 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0135% | 5,800 |
| Cost of funding earning assets | 0.1876% | 5,475 |
| Net interest margin | 2.8259% | 5,535 |
| Noninterest income to average assets | 0.3411% | 4,502 |
| Noninterest expense to average assets | 2.0874% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8157% | 3,355 |
| Return on assets (ROA) | 0.8157% | 3,444 |
| Pretax return on assets | 0.9899% | 3,650 |
| Return on Equity (ROE) | 5.3914% | 4,449 |
| Retained earnings to average equity (ytd only) | 4.6562% | 3,159 |
| Net charge-offs to loans | -0.0135% | 5,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8313% | 3,582 |
| Assets per employee ($millions) | 4.4824% | 3,041 |
| Cash dividends to net income (ytd only)* | 13.6365% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 3,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 26.8050% | 6,049 |
| Net loans and leases to deposits | 31.8901% | 6,052 |
| Net loans and leases to core deposits | 32.1579% | 6,069 |
| Total domestic deposits to total assets | 84.0542% | 3,400 |
| Equity capital to assets | 15.4131% | 660 |
| Core capital (leverage) ratio | 14.9739% | 642 |
| Tier 1 risk-based capital ratio | 37.9602% | 283 |
| Total risk-based capital ratio | 38.7225% | 289 |
| Memoranda: | ||
| Average total assets | $35,961,500 | 5,932 |
| Average earning assets | $34,819,750 | 5,871 |
| Average equity | $5,440,750 | 5,622 |
| Average total loans | $9,826,000 | 6,098 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0059% | 5,852 |
| Cost of funding earning assets | 0.1893% | 5,534 |
| Net interest margin | 2.8166% | 5,580 |
| Noninterest income to average assets | 0.4000% | 4,081 |
| Noninterest expense to average assets | 2.0391% | 5,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8890% | 2,946 |
| Return on assets (ROA) | 0.8890% | 3,063 |
| Pretax return on assets | 1.0890% | 3,221 |
| Return on Equity (ROE) | 5.9128% | 4,170 |
| Retained earnings to average equity (ytd only) | 4.8041% | 2,988 |
| Net charge-offs to loans | -0.0203% | 5,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1865% | 4,156 |
| Assets per employee ($millions) | 4.5966% | 2,834 |
| Cash dividends to net income (ytd only)* | 18.7500% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 4,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 26.2774% | 6,128 |
| Net loans and leases to deposits | 31.0109% | 6,131 |
| Net loans and leases to core deposits | 31.2627% | 6,144 |
| Total domestic deposits to total assets | 84.7361% | 3,242 |
| Equity capital to assets | 14.8669% | 725 |
| Core capital (leverage) ratio | 14.6087% | 685 |
| Tier 1 risk-based capital ratio | 54.5718% | 124 |
| Total risk-based capital ratio | 55.6798% | 123 |
| Memoranda: | ||
| Average total assets | $35,995,670 | 5,998 |
| Average earning assets | $34,865,000 | 5,935 |
| Average equity | $5,412,000 | 5,678 |
| Average total loans | $9,860,330 | 6,168 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9582% | 5,935 |
| Cost of funding earning assets | 0.1856% | 5,640 |
| Net interest margin | 2.7726% | 5,696 |
| Noninterest income to average assets | 0.5954% | 2,674 |
| Noninterest expense to average assets | 1.8873% | 5,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0672% | 1,978 |
| Return on assets (ROA) | 1.0672% | 2,101 |
| Pretax return on assets | 1.3930% | 1,911 |
| Return on Equity (ROE) | 7.0573% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.0573% | 1,990 |
| Net charge-offs to loans | -0.0404% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5342% | 5,389 |
| Assets per employee ($millions) | 5.0363% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 4,337 |
| Loan loss allowance to noncurrent loans | 5,550.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,938 |
| Noncurrent loans to loans | 0.0205% | 5,720 |
| Net loans and leases to total assets | 27.4011% | 6,158 |
| Net loans and leases to deposits | 32.5592% | 6,142 |
| Net loans and leases to core deposits | 32.5592% | 6,176 |
| Total domestic deposits to total assets | 84.1578% | 3,755 |
| Equity capital to assets | 15.4082% | 644 |
| Core capital (leverage) ratio | 14.9968% | 612 |
| Tier 1 risk-based capital ratio | 38.3480% | 281 |
| Total risk-based capital ratio | 39.1317% | 288 |
| Memoranda: | ||
| Average total assets | $35,607,000 | 6,063 |
| Average earning assets | $34,480,000 | 6,003 |
| Average equity | $5,384,500 | 5,741 |
| Average total loans | $9,903,500 | 6,233 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9424% | 6,103 |
| Cost of funding earning assets | 0.2053% | 5,701 |
| Net interest margin | 2.7370% | 5,887 |
| Noninterest income to average assets | 0.3187% | 4,838 |
| Noninterest expense to average assets | 2.1411% | 5,478 |
| Loan and lease loss provision to assets | 0.0054% | 4,507 |
| Net operating income to assets | 0.7083% | 3,847 |
| Return on assets (ROA) | 0.7083% | 3,966 |
| Pretax return on assets | 0.8227% | 4,181 |
| Return on Equity (ROE) | 4.9411% | 4,698 |
| Retained earnings to average equity (ytd only) | 3.8008% | 3,505 |
| Net charge-offs to loans | 0.0200% | 4,445 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 152.0000% | 355 |
| Efficiency ratio | 72.1101% | 3,189 |
| Assets per employee ($millions) | 5.1371% | 2,139 |
| Cash dividends to net income (ytd only)* | 23.0769% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 4,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 27.6029% | 6,245 |
| Net loans and leases to deposits | 32.7602% | 6,242 |
| Net loans and leases to core deposits | 33.0448% | 6,260 |
| Total domestic deposits to total assets | 84.2575% | 3,606 |
| Equity capital to assets | 14.8415% | 727 |
| Core capital (leverage) ratio | 14.7284% | 661 |
| Tier 1 risk-based capital ratio | 33.8042% | 377 |
| Total risk-based capital ratio | 34.5009% | 381 |
| Memoranda: | ||
| Average total assets | $36,709,800 | 6,111 |
| Average earning assets | $35,549,400 | 6,046 |
| Average equity | $5,262,000 | 5,800 |
| Average total loans | $10,018,000 | 6,315 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9051% | 6,203 |
| Cost of funding earning assets | 0.2051% | 5,778 |
| Net interest margin | 2.7000% | 6,002 |
| Noninterest income to average assets | 0.3288% | 4,805 |
| Noninterest expense to average assets | 1.9152% | 5,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8239% | 3,320 |
| Return on assets (ROA) | 0.8239% | 3,409 |
| Pretax return on assets | 1.0299% | 3,469 |
| Return on Equity (ROE) | 5.7977% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.0349% | 3,056 |
| Net charge-offs to loans | 0.0399% | 3,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 94.9975% | 605 |
| Efficiency ratio | 65.0307% | 4,366 |
| Assets per employee ($millions) | 5.1236% | 2,110 |
| Cash dividends to net income (ytd only)* | 13.1583% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 4,635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 26.2150% | 6,354 |
| Net loans and leases to deposits | 32.1458% | 6,339 |
| Net loans and leases to core deposits | 32.7493% | 6,348 |
| Total domestic deposits to total assets | 81.5503% | 4,646 |
| Equity capital to assets | 14.8752% | 758 |
| Core capital (leverage) ratio | 14.4435% | 741 |
| Tier 1 risk-based capital ratio | 34.7037% | 362 |
| Total risk-based capital ratio | 35.3997% | 377 |
| Memoranda: | ||
| Average total assets | $36,897,250 | 6,181 |
| Average earning assets | $35,751,750 | 6,122 |
| Average equity | $5,243,250 | 5,864 |
| Average total loans | $10,013,500 | 6,385 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8730% | 6,278 |
| Cost of funding earning assets | 0.2052% | 5,871 |
| Net interest margin | 2.6678% | 6,085 |
| Noninterest income to average assets | 0.3491% | 4,637 |
| Noninterest expense to average assets | 1.8474% | 6,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8807% | 2,904 |
| Return on assets (ROA) | 0.8807% | 2,990 |
| Pretax return on assets | 1.0848% | 3,158 |
| Return on Equity (ROE) | 6.2924% | 4,000 |
| Retained earnings to average equity (ytd only) | 5.1413% | 2,869 |
| Net charge-offs to loans | 0.0786% | 2,910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 904 |
| Efficiency ratio | 63.0037% | 4,858 |
| Assets per employee ($millions) | 5.1753% | 1,996 |
| Cash dividends to net income (ytd only)* | 18.2927% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 5,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 28.0592% | 6,360 |
| Net loans and leases to deposits | 34.1405% | 6,341 |
| Net loans and leases to core deposits | 34.7676% | 6,361 |
| Total domestic deposits to total assets | 82.1873% | 4,586 |
| Equity capital to assets | 14.5499% | 807 |
| Core capital (leverage) ratio | 13.8561% | 873 |
| Tier 1 risk-based capital ratio | 33.1218% | 405 |
| Total risk-based capital ratio | 33.7879% | 416 |
| Memoranda: | ||
| Average total assets | $37,241,330 | 6,233 |
| Average earning assets | $36,059,330 | 6,167 |
| Average equity | $5,212,670 | 5,911 |
| Average total loans | $10,181,670 | 6,443 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8219% | 6,378 |
| Cost of funding earning assets | 0.2187% | 5,856 |
| Net interest margin | 2.6031% | 6,236 |
| Noninterest income to average assets | 0.4980% | 3,428 |
| Noninterest expense to average assets | 1.7378% | 6,298 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9855% | 2,268 |
| Return on assets (ROA) | 0.9855% | 2,324 |
| Pretax return on assets | 1.2822% | 2,161 |
| Return on Equity (ROE) | 7.1766% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.1766% | 1,945 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5439% | 5,699 |
| Assets per employee ($millions) | 5.3429% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 4,997 |
| Loan loss allowance to noncurrent loans | 3,666.6667% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 6,315 |
| Noncurrent loans to loans | 0.0308% | 6,062 |
| Net loans and leases to total assets | 25.7914% | 6,473 |
| Net loans and leases to deposits | 31.1272% | 6,454 |
| Net loans and leases to core deposits | 31.6771% | 6,465 |
| Total domestic deposits to total assets | 82.8583% | 4,657 |
| Equity capital to assets | 13.9840% | 921 |
| Core capital (leverage) ratio | 13.9784% | 827 |
| Tier 1 risk-based capital ratio | 32.6101% | 422 |
| Total risk-based capital ratio | 33.2959% | 440 |
| Memoranda: | ||
| Average total assets | $37,748,500 | 6,291 |
| Average earning assets | $36,571,500 | 6,219 |
| Average equity | $5,183,500 | 5,951 |
| Average total loans | $10,137,000 | 6,515 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8424% | 6,471 |
| Cost of funding earning assets | 0.2592% | 5,913 |
| Net interest margin | 2.5833% | 6,279 |
| Noninterest income to average assets | 0.3201% | 5,045 |
| Noninterest expense to average assets | 2.1044% | 5,825 |
| Loan and lease loss provision to assets | -0.0084% | 6,269 |
| Net operating income to assets | 0.6702% | 3,937 |
| Return on assets (ROA) | 0.6987% | 3,892 |
| Pretax return on assets | 0.7516% | 4,333 |
| Return on Equity (ROE) | 4.9595% | 4,649 |
| Retained earnings to average equity (ytd only) | 3.7740% | 3,518 |
| Net charge-offs to loans | -0.0324% | 6,243 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7036% | 3,010 |
| Assets per employee ($millions) | 5.4424% | 1,706 |
| Cash dividends to net income (ytd only)* | 23.9044% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 5,361 |
| Loan loss allowance to noncurrent loans | 11,000.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 6,441 |
| Noncurrent loans to loans | 0.0095% | 6,261 |
| Net loans and leases to total assets | 27.3197% | 6,538 |
| Net loans and leases to deposits | 31.6699% | 6,547 |
| Net loans and leases to core deposits | 32.1920% | 6,557 |
| Total domestic deposits to total assets | 86.2640% | 3,127 |
| Equity capital to assets | 13.4840% | 1,077 |
| Core capital (leverage) ratio | 13.4624% | 968 |
| Tier 1 risk-based capital ratio | 30.5756% | 482 |
| Total risk-based capital ratio | 31.2303% | 497 |
| Memoranda: | ||
| Average total assets | $35,924,800 | 6,395 |
| Average earning assets | $34,723,600 | 6,329 |
| Average equity | $5,061,000 | 6,047 |
| Average total loans | $9,256,200 | 6,615 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8376% | 6,545 |
| Cost of funding earning assets | 0.2690% | 5,967 |
| Net interest margin | 2.5687% | 6,351 |
| Noninterest income to average assets | 0.3392% | 4,980 |
| Noninterest expense to average assets | 1.9369% | 6,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7838% | 3,430 |
| Return on assets (ROA) | 0.7838% | 3,558 |
| Pretax return on assets | 0.8856% | 3,944 |
| Return on Equity (ROE) | 5.5004% | 4,473 |
| Retained earnings to average equity (ytd only) | 4.7071% | 3,303 |
| Net charge-offs to loans | -0.0299% | 6,162 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6248% | 3,972 |
| Assets per employee ($millions) | 5.1441% | 2,000 |
| Cash dividends to net income (ytd only)* | 14.4233% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 4,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 26.0629% | 6,645 |
| Net loans and leases to deposits | 31.2095% | 6,636 |
| Net loans and leases to core deposits | 31.8297% | 6,650 |
| Total domestic deposits to total assets | 83.5097% | 4,372 |
| Equity capital to assets | 14.2298% | 900 |
| Core capital (leverage) ratio | 14.3779% | 770 |
| Tier 1 risk-based capital ratio | 32.3464% | 429 |
| Total risk-based capital ratio | 33.0535% | 438 |
| Memoranda: | ||
| Average total assets | $35,381,750 | 6,475 |
| Average earning assets | $34,206,000 | 6,413 |
| Average equity | $5,042,000 | 6,126 |
| Average total loans | $8,940,750 | 6,697 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8064% | 6,607 |
| Cost of funding earning assets | 0.2765% | 6,008 |
| Net interest margin | 2.5299% | 6,417 |
| Noninterest income to average assets | 0.3924% | 4,579 |
| Noninterest expense to average assets | 1.8537% | 6,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8472% | 3,059 |
| Return on assets (ROA) | 0.8472% | 3,210 |
| Pretax return on assets | 0.9837% | 3,582 |
| Return on Equity (ROE) | 5.9426% | 4,207 |
| Retained earnings to average equity (ytd only) | 4.7461% | 3,231 |
| Net charge-offs to loans | -0.0228% | 6,010 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3307% | 4,665 |
| Assets per employee ($millions) | 5.0270% | 2,081 |
| Cash dividends to net income (ytd only)* | 20.1342% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 4,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 23.1379% | 6,736 |
| Net loans and leases to deposits | 27.1418% | 6,750 |
| Net loans and leases to core deposits | 27.6807% | 6,758 |
| Total domestic deposits to total assets | 85.2482% | 3,768 |
| Equity capital to assets | 14.3937% | 845 |
| Core capital (leverage) ratio | 14.4043% | 724 |
| Tier 1 risk-based capital ratio | 34.5098% | 351 |
| Total risk-based capital ratio | 35.2661% | 361 |
| Memoranda: | ||
| Average total assets | $35,172,670 | 6,527 |
| Average earning assets | $33,994,000 | 6,463 |
| Average equity | $5,014,670 | 6,179 |
| Average total loans | $8,755,330 | 6,751 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8240% | 6,664 |
| Cost of funding earning assets | 0.2954% | 6,004 |
| Net interest margin | 2.5286% | 6,469 |
| Noninterest income to average assets | 0.5574% | 3,384 |
| Noninterest expense to average assets | 1.7745% | 6,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9896% | 2,271 |
| Return on assets (ROA) | 0.9896% | 2,394 |
| Pretax return on assets | 1.2171% | 2,512 |
| Return on Equity (ROE) | 6.9746% | 3,498 |
| Retained earnings to average equity (ytd only) | 6.9746% | 2,159 |
| Net charge-offs to loans | -0.0444% | 6,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3156% | 5,682 |
| Assets per employee ($millions) | 5.8380% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 4,423 |
| Loan loss allowance to noncurrent loans | 11,100.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 6,641 |
| Noncurrent loans to loans | 0.0122% | 6,465 |
| Net loans and leases to total assets | 22.9902% | 6,796 |
| Net loans and leases to deposits | 26.9502% | 6,802 |
| Net loans and leases to core deposits | 27.4875% | 6,812 |
| Total domestic deposits to total assets | 85.3060% | 3,895 |
| Equity capital to assets | 14.3685% | 912 |
| Core capital (leverage) ratio | 14.0653% | 783 |
| Tier 1 risk-based capital ratio | 34.8715% | 350 |
| Total risk-based capital ratio | 35.6405% | 360 |
| Memoranda: | ||
| Average total assets | $35,164,500 | 6,589 |
| Average earning assets | $33,852,500 | 6,531 |
| Average equity | $4,989,500 | 6,249 |
| Average total loans | $9,006,500 | 6,809 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1614% | 6,681 |
| Cost of funding earning assets | 0.4472% | 5,599 |
| Net interest margin | 2.7142% | 6,502 |
| Noninterest income to average assets | 0.3874% | 4,709 |
| Noninterest expense to average assets | 2.2119% | 5,902 |
| Loan and lease loss provision to assets | 0.0384% | 5,395 |
| Net operating income to assets | 0.6920% | 3,776 |
| Return on assets (ROA) | 0.6920% | 4,039 |
| Pretax return on assets | 0.7393% | 4,523 |
| Return on Equity (ROE) | 4.7863% | 4,791 |
| Retained earnings to average equity (ytd only) | 3.5590% | 3,708 |
| Net charge-offs to loans | 0.1485% | 4,204 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 20.2308% | 1,362 |
| Efficiency ratio | 73.9862% | 3,073 |
| Assets per employee ($millions) | 5.0430% | 2,176 |
| Cash dividends to net income (ytd only)* | 25.6410% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 5,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 27.5885% | 6,773 |
| Net loans and leases to deposits | 32.8865% | 6,762 |
| Net loans and leases to core deposits | 33.5596% | 6,779 |
| Total domestic deposits to total assets | 83.8900% | 4,364 |
| Equity capital to assets | 14.0109% | 1,043 |
| Core capital (leverage) ratio | 13.9572% | 815 |
| Tier 1 risk-based capital ratio | 31.1736% | 464 |
| Total risk-based capital ratio | 31.8669% | 483 |
| Memoranda: | ||
| Average total assets | $33,816,600 | 6,663 |
| Average earning assets | $32,422,400 | 6,595 |
| Average equity | $4,889,000 | 6,329 |
| Average total loans | $8,755,800 | 6,894 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2244% | 6,779 |
| Cost of funding earning assets | 0.4654% | 5,679 |
| Net interest margin | 2.7590% | 6,566 |
| Noninterest income to average assets | 0.4146% | 4,523 |
| Noninterest expense to average assets | 2.0690% | 6,225 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8770% | 3,096 |
| Return on assets (ROA) | 0.8770% | 3,338 |
| Pretax return on assets | 0.9927% | 3,742 |
| Return on Equity (ROE) | 6.0173% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.1968% | 3,225 |
| Net charge-offs to loans | 0.0943% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 41.4988% | 858 |
| Efficiency ratio | 67.5781% | 4,158 |
| Assets per employee ($millions) | 5.0221% | 2,161 |
| Cash dividends to net income (ytd only)* | 13.6365% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 5,351 |
| Loan loss allowance to noncurrent loans | 10,400.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,807 |
| Noncurrent loans to loans | 0.0114% | 6,630 |
| Net loans and leases to total assets | 24.6679% | 6,952 |
| Net loans and leases to deposits | 28.8691% | 6,970 |
| Net loans and leases to core deposits | 29.4806% | 6,972 |
| Total domestic deposits to total assets | 85.4473% | 3,545 |
| Equity capital to assets | 14.1146% | 1,114 |
| Core capital (leverage) ratio | 13.9406% | 858 |
| Tier 1 risk-based capital ratio | 32.5783% | 421 |
| Total risk-based capital ratio | 33.2611% | 437 |
| Memoranda: | ||
| Average total assets | $33,445,500 | 6,750 |
| Average earning assets | $32,087,750 | 6,686 |
| Average equity | $4,874,750 | 6,402 |
| Average total loans | $8,482,500 | 6,994 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 6,839 |
| Cost of funding earning assets | 0.4884% | 5,693 |
| Net interest margin | 2.7717% | 6,620 |
| Noninterest income to average assets | 0.4806% | 4,051 |
| Noninterest expense to average assets | 2.0136% | 6,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9369% | 2,732 |
| Return on assets (ROA) | 0.9369% | 2,993 |
| Pretax return on assets | 1.1255% | 3,208 |
| Return on Equity (ROE) | 6.3562% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.1180% | 3,212 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1473% | 4,877 |
| Assets per employee ($millions) | 5.0290% | 2,142 |
| Cash dividends to net income (ytd only)* | 19.4805% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 4,761 |
| Loan loss allowance to noncurrent loans | 1,833.3333% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 6,788 |
| Noncurrent loans to loans | 0.0724% | 6,485 |
| Net loans and leases to total assets | 23.2423% | 7,048 |
| Net loans and leases to deposits | 27.1125% | 7,056 |
| Net loans and leases to core deposits | 27.6840% | 7,061 |
| Total domestic deposits to total assets | 85.7256% | 3,499 |
| Equity capital to assets | 13.9079% | 1,138 |
| Core capital (leverage) ratio | 14.3949% | 716 |
| Tier 1 risk-based capital ratio | 32.9586% | 406 |
| Total risk-based capital ratio | 33.6991% | 414 |
| Memoranda: | ||
| Average total assets | $32,875,670 | 6,814 |
| Average earning assets | $31,533,000 | 6,752 |
| Average equity | $4,845,670 | 6,434 |
| Average total loans | $8,384,670 | 7,059 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4733% | 6,726 |
| Cost of funding earning assets | 0.5131% | 5,731 |
| Net interest margin | 2.9602% | 6,375 |
| Noninterest income to average assets | 0.7316% | 2,489 |
| Noninterest expense to average assets | 2.0182% | 6,430 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2235% | 1,674 |
| Return on assets (ROA) | 1.2235% | 1,856 |
| Pretax return on assets | 1.5515% | 1,734 |
| Return on Equity (ROE) | 8.0490% | 3,268 |
| Retained earnings to average equity (ytd only) | 8.0490% | 1,969 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5371% | 6,072 |
| Assets per employee ($millions) | 4.4040% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 4,727 |
| Loan loss allowance to noncurrent loans | 11,000.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 6,942 |
| Noncurrent loans to loans | 0.0125% | 6,756 |
| Net loans and leases to total assets | 25.6909% | 7,049 |
| Net loans and leases to deposits | 30.6715% | 7,037 |
| Net loans and leases to core deposits | 31.4298% | 7,054 |
| Total domestic deposits to total assets | 83.7615% | 4,611 |
| Equity capital to assets | 15.7941% | 606 |
| Core capital (leverage) ratio | 15.3378% | 552 |
| Tier 1 risk-based capital ratio | 36.6063% | 298 |
| Total risk-based capital ratio | 37.4333% | 301 |
| Memoranda: | ||
| Average total assets | $31,712,000 | 6,905 |
| Average earning assets | $30,403,000 | 6,833 |
| Average equity | $4,820,500 | 6,479 |
| Average total loans | $8,431,000 | 7,120 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 6,860 |
| Cost of funding earning assets | 0.6447% | 5,856 |
| Net interest margin | 3.0445% | 6,457 |
| Noninterest income to average assets | 0.4617% | 4,121 |
| Noninterest expense to average assets | 2.4282% | 5,703 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8252% | 2,928 |
| Return on assets (ROA) | 0.8589% | 2,928 |
| Pretax return on assets | 0.9848% | 3,296 |
| Return on Equity (ROE) | 5.6649% | 4,044 |
| Retained earnings to average equity (ytd only) | 4.3871% | 3,053 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9617% | 3,586 |
| Assets per employee ($millions) | 4.6566% | 2,675 |
| Cash dividends to net income (ytd only)* | 22.5564% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 5,199 |
| Loan loss allowance to noncurrent loans | 2,200.0000% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 6,936 |
| Noncurrent loans to loans | 0.0566% | 6,676 |
| Net loans and leases to total assets | 26.7579% | 7,099 |
| Net loans and leases to deposits | 34.1557% | 7,039 |
| Net loans and leases to core deposits | 35.0225% | 7,057 |
| Total domestic deposits to total assets | 78.3409% | 6,132 |
| Equity capital to assets | 14.6398% | 862 |
| Core capital (leverage) ratio | 14.9274% | 613 |
| Tier 1 risk-based capital ratio | 32.7590% | 399 |
| Total risk-based capital ratio | 33.5141% | 410 |
| Memoranda: | ||
| Average total assets | $30,969,200 | 6,941 |
| Average earning assets | $29,627,000 | 6,877 |
| Average equity | $4,695,600 | 6,532 |
| Average total loans | $7,719,200 | 7,192 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 6,896 |
| Cost of funding earning assets | 0.6657% | 5,958 |
| Net interest margin | 3.0732% | 6,442 |
| Noninterest income to average assets | 0.5104% | 3,795 |
| Noninterest expense to average assets | 2.1900% | 6,301 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0383% | 2,182 |
| Return on assets (ROA) | 1.0383% | 2,338 |
| Pretax return on assets | 1.2608% | 2,427 |
| Return on Equity (ROE) | 6.7856% | 3,620 |
| Retained earnings to average equity (ytd only) | 5.9303% | 2,600 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4640% | 5,159 |
| Assets per employee ($millions) | 4.4073% | 3,064 |
| Cash dividends to net income (ytd only)* | 12.6052% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 4,367 |
| Loan loss allowance to noncurrent loans | 11,000.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 7,081 |
| Noncurrent loans to loans | 0.0131% | 6,918 |
| Net loans and leases to total assets | 24.3849% | 7,225 |
| Net loans and leases to deposits | 29.2735% | 7,226 |
| Net loans and leases to core deposits | 30.0475% | 7,227 |
| Total domestic deposits to total assets | 83.3004% | 4,561 |
| Equity capital to assets | 15.4744% | 730 |
| Core capital (leverage) ratio | 15.2393% | 620 |
| Tier 1 risk-based capital ratio | 35.5738% | 332 |
| Total risk-based capital ratio | 36.3934% | 339 |
| Memoranda: | ||
| Average total assets | $30,562,500 | 7,021 |
| Average earning assets | $29,241,000 | 6,958 |
| Average equity | $4,676,500 | 6,594 |
| Average total loans | $7,441,000 | 7,272 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 6,999 |
| Cost of funding earning assets | 0.6781% | 6,082 |
| Net interest margin | 3.0411% | 6,520 |
| Noninterest income to average assets | 0.5711% | 3,326 |
| Noninterest expense to average assets | 2.1269% | 6,541 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0832% | 1,922 |
| Return on assets (ROA) | 1.0832% | 2,019 |
| Pretax return on assets | 1.3589% | 1,929 |
| Return on Equity (ROE) | 7.1059% | 3,402 |
| Retained earnings to average equity (ytd only) | 5.8140% | 2,533 |
| Net charge-offs to loans | 0.4067% | 2,924 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 1,521 |
| Efficiency ratio | 61.0169% | 5,727 |
| Assets per employee ($millions) | 4.4424% | 2,937 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 5,000 |
| Loan loss allowance to noncurrent loans | 1,583.3333% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 7,067 |
| Noncurrent loans to loans | 0.0829% | 6,775 |
| Net loans and leases to total assets | 22.9668% | 7,330 |
| Net loans and leases to deposits | 27.4007% | 7,334 |
| Net loans and leases to core deposits | 28.1082% | 7,342 |
| Total domestic deposits to total assets | 83.8184% | 4,427 |
| Equity capital to assets | 15.1172% | 794 |
| Core capital (leverage) ratio | 15.0350% | 658 |
| Tier 1 risk-based capital ratio | 35.5813% | 332 |
| Total risk-based capital ratio | 36.3003% | 335 |
| Memoranda: | ||
| Average total assets | $30,466,330 | 7,093 |
| Average earning assets | $29,200,330 | 7,024 |
| Average equity | $4,644,000 | 6,638 |
| Average total loans | $7,377,000 | 7,348 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7326% | 7,030 |
| Cost of funding earning assets | 0.6912% | 6,184 |
| Net interest margin | 3.0414% | 6,488 |
| Noninterest income to average assets | 0.8491% | 1,857 |
| Noninterest expense to average assets | 2.0298% | 6,777 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3134% | 1,235 |
| Return on assets (ROA) | 1.3134% | 1,283 |
| Pretax return on assets | 1.7379% | 912 |
| Return on Equity (ROE) | 8.5798% | 2,664 |
| Retained earnings to average equity (ytd only) | 8.5798% | 1,527 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8732% | 6,706 |
| Assets per employee ($millions) | 5.0028% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 3,880 |
| Loan loss allowance to noncurrent loans | 733.3333% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 7,040 |
| Noncurrent loans to loans | 0.2138% | 6,544 |
| Net loans and leases to total assets | 23.0036% | 7,387 |
| Net loans and leases to deposits | 27.5034% | 7,396 |
| Net loans and leases to core deposits | 28.2529% | 7,398 |
| Total domestic deposits to total assets | 83.6393% | 4,646 |
| Equity capital to assets | 15.5412% | 656 |
| Core capital (leverage) ratio | 15.1604% | 630 |
| Tier 1 risk-based capital ratio | 36.4197% | 316 |
| Total risk-based capital ratio | 37.2785% | 320 |
| Memoranda: | ||
| Average total assets | $30,151,000 | 7,147 |
| Average earning assets | $28,934,500 | 7,083 |
| Average equity | $4,615,500 | 6,682 |
| Average total loans | $7,447,000 | 7,403 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 7,013 |
| Cost of funding earning assets | 0.8379% | 6,408 |
| Net interest margin | 3.2863% | 6,026 |
| Noninterest income to average assets | 0.4439% | 4,568 |
| Noninterest expense to average assets | 2.5145% | 5,735 |
| Loan and lease loss provision to assets | -0.0694% | 7,598 |
| Net operating income to assets | 0.9517% | 2,198 |
| Return on assets (ROA) | 1.0093% | 2,119 |
| Pretax return on assets | 1.2104% | 2,190 |
| Return on Equity (ROE) | 6.4970% | 3,348 |
| Retained earnings to average equity (ytd only) | 5.1574% | 2,334 |
| Net charge-offs to loans | -0.2679% | 7,559 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1161% | 4,157 |
| Assets per employee ($millions) | 5.0475% | 2,085 |
| Cash dividends to net income (ytd only)* | 20.6186% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 4,530 |
| Loan loss allowance to noncurrent loans | 916.6667% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 7,138 |
| Noncurrent loans to loans | 0.1523% | 6,763 |
| Net loans and leases to total assets | 25.6530% | 7,439 |
| Net loans and leases to deposits | 30.9374% | 7,447 |
| Net loans and leases to core deposits | 31.7842% | 7,450 |
| Total domestic deposits to total assets | 82.9189% | 4,826 |
| Equity capital to assets | 15.0768% | 765 |
| Core capital (leverage) ratio | 14.7652% | 699 |
| Tier 1 risk-based capital ratio | 33.5489% | 385 |
| Total risk-based capital ratio | 34.3571% | 394 |
| Memoranda: | ||
| Average total assets | $28,833,200 | 7,247 |
| Average earning assets | $27,569,400 | 7,172 |
| Average equity | $4,479,000 | 6,823 |
| Average total loans | $7,466,400 | 7,487 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 7,049 |
| Cost of funding earning assets | 0.8629% | 6,535 |
| Net interest margin | 3.3684% | 5,785 |
| Noninterest income to average assets | 0.4917% | 4,255 |
| Noninterest expense to average assets | 2.3041% | 6,314 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1024% | 1,875 |
| Return on assets (ROA) | 1.1755% | 1,753 |
| Pretax return on assets | 1.4986% | 1,624 |
| Return on Equity (ROE) | 7.5082% | 3,101 |
| Retained earnings to average equity (ytd only) | 6.6108% | 2,035 |
| Net charge-offs to loans | -0.3622% | 7,662 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1212% | 5,602 |
| Assets per employee ($millions) | 4.8977% | 2,322 |
| Cash dividends to net income (ytd only)* | 11.9524% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8071% | 2,764 |
| Loan loss allowance to noncurrent loans | 1,625.0000% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 7,288 |
| Noncurrent loans to loans | 0.1112% | 6,963 |
| Net loans and leases to total assets | 24.0387% | 7,565 |
| Net loans and leases to deposits | 28.9034% | 7,582 |
| Net loans and leases to core deposits | 29.7607% | 7,583 |
| Total domestic deposits to total assets | 83.1689% | 4,522 |
| Equity capital to assets | 15.5040% | 770 |
| Core capital (leverage) ratio | 15.4645% | 640 |
| Tier 1 risk-based capital ratio | 35.2059% | 342 |
| Total risk-based capital ratio | 36.2105% | 340 |
| Memoranda: | ||
| Average total assets | $28,470,250 | 7,347 |
| Average earning assets | $27,193,000 | 7,271 |
| Average equity | $4,457,250 | 6,925 |
| Average total loans | $7,363,250 | 7,585 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 7,062 |
| Cost of funding earning assets | 0.8851% | 6,643 |
| Net interest margin | 3.4067% | 5,617 |
| Noninterest income to average assets | 0.5894% | 3,419 |
| Noninterest expense to average assets | 2.2439% | 6,533 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1930% | 1,576 |
| Return on assets (ROA) | 1.2995% | 1,368 |
| Pretax return on assets | 1.7397% | 984 |
| Return on Equity (ROE) | 8.2724% | 2,777 |
| Retained earnings to average equity (ytd only) | 6.9163% | 1,878 |
| Net charge-offs to loans | -0.5391% | 7,736 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4104% | 6,319 |
| Assets per employee ($millions) | 4.8645% | 2,350 |
| Cash dividends to net income (ytd only)* | 16.3934% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8116% | 2,689 |
| Loan loss allowance to noncurrent loans | 3,250.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 7,377 |
| Noncurrent loans to loans | 0.0557% | 7,180 |
| Net loans and leases to total assets | 24.1409% | 7,640 |
| Net loans and leases to deposits | 28.7439% | 7,654 |
| Net loans and leases to core deposits | 29.6063% | 7,663 |
| Total domestic deposits to total assets | 83.9860% | 4,113 |
| Equity capital to assets | 15.3767% | 802 |
| Core capital (leverage) ratio | 15.7209% | 605 |
| Tier 1 risk-based capital ratio | 34.9751% | 349 |
| Total risk-based capital ratio | 35.9882% | 353 |
| Memoranda: | ||
| Average total assets | $28,165,000 | 7,407 |
| Average earning assets | $26,888,330 | 7,340 |
| Average equity | $4,424,330 | 6,966 |
| Average total loans | $7,419,670 | 7,648 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 7,021 |
| Cost of funding earning assets | 0.9100% | 6,729 |
| Net interest margin | 3.4732% | 5,274 |
| Noninterest income to average assets | 0.8968% | 1,640 |
| Noninterest expense to average assets | 2.1407% | 6,835 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4580% | 968 |
| Return on assets (ROA) | 1.6634% | 712 |
| Pretax return on assets | 2.3577% | 320 |
| Return on Equity (ROE) | 10.4724% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.4724% | 1,052 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8591% | 7,252 |
| Assets per employee ($millions) | 4.6068% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 3,852 |
| Loan loss allowance to noncurrent loans | 11,000.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 7,497 |
| Noncurrent loans to loans | 0.0137% | 7,385 |
| Net loans and leases to total assets | 25.9361% | 7,700 |
| Net loans and leases to deposits | 31.1981% | 7,709 |
| Net loans and leases to core deposits | 32.1985% | 7,714 |
| Total domestic deposits to total assets | 83.1338% | 4,557 |
| Equity capital to assets | 16.0993% | 655 |
| Core capital (leverage) ratio | 15.8026% | 612 |
| Tier 1 risk-based capital ratio | 35.6085% | 341 |
| Total risk-based capital ratio | 36.4888% | 345 |
| Memoranda: | ||
| Average total assets | $27,654,000 | 7,519 |
| Average earning assets | $26,373,500 | 7,449 |
| Average equity | $4,392,500 | 7,039 |
| Average total loans | $7,541,500 | 7,736 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7150% | 7,115 |
| Cost of funding earning assets | 1.1933% | 6,680 |
| Net interest margin | 3.5218% | 4,863 |
| Noninterest income to average assets | 0.5787% | 3,795 |
| Noninterest expense to average assets | 2.5693% | 5,897 |
| Loan and lease loss provision to assets | 0.0700% | 6,877 |
| Net operating income to assets | 1.0687% | 1,601 |
| Return on assets (ROA) | 0.9769% | 1,976 |
| Pretax return on assets | 1.1796% | 2,003 |
| Return on Equity (ROE) | 6.2280% | 3,113 |
| Retained earnings to average equity (ytd only) | 4.9589% | 1,839 |
| Net charge-offs to loans | 0.2595% | 4,998 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 19.4211% | 1,083 |
| Efficiency ratio | 65.3846% | 5,521 |
| Assets per employee ($millions) | 4.6112% | 2,745 |
| Cash dividends to net income (ytd only)* | 20.3774% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 4,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 27.8093% | 7,752 |
| Net loans and leases to deposits | 33.2455% | 7,772 |
| Net loans and leases to core deposits | 35.8377% | 7,808 |
| Total domestic deposits to total assets | 83.6484% | 4,205 |
| Equity capital to assets | 15.6685% | 753 |
| Core capital (leverage) ratio | 15.5248% | 690 |
| Tier 1 risk-based capital ratio | 33.8857% | 377 |
| Total risk-based capital ratio | 34.7456% | 380 |
| Memoranda: | ||
| Average total assets | $27,127,600 | 7,581 |
| Average earning assets | $25,811,000 | 7,513 |
| Average equity | $4,255,000 | 7,191 |
| Average total loans | $7,322,800 | 7,813 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7732% | 7,164 |
| Cost of funding earning assets | 1.2414% | 6,753 |
| Net interest margin | 3.5319% | 4,736 |
| Noninterest income to average assets | 0.6718% | 3,205 |
| Noninterest expense to average assets | 2.3166% | 6,653 |
| Loan and lease loss provision to assets | 0.4939% | 3,431 |
| Net operating income to assets | 1.0027% | 2,044 |
| Return on assets (ROA) | 1.0027% | 2,105 |
| Pretax return on assets | 1.2201% | 2,199 |
| Return on Equity (ROE) | 6.3910% | 3,356 |
| Retained earnings to average equity (ytd only) | 5.5410% | 2,180 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4755% | 6,793 |
| Assets per employee ($millions) | 3.8601% | 4,051 |
| Cash dividends to net income (ytd only)* | 13.3008% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9432% | 697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 25.6282% | 7,878 |
| Net loans and leases to deposits | 30.7696% | 7,901 |
| Net loans and leases to core deposits | 33.4009% | 7,926 |
| Total domestic deposits to total assets | 83.2908% | 4,066 |
| Equity capital to assets | 15.9135% | 804 |
| Core capital (leverage) ratio | 15.3945% | 790 |
| Tier 1 risk-based capital ratio | 35.2864% | 375 |
| Total risk-based capital ratio | 36.5419% | 370 |
| Memoranda: | ||
| Average total assets | $26,992,750 | 7,649 |
| Average earning assets | $25,670,250 | 7,583 |
| Average equity | $4,235,000 | 7,267 |
| Average total loans | $7,202,500 | 7,894 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 7,331 |
| Cost of funding earning assets | 1.2945% | 6,827 |
| Net interest margin | 3.4469% | 4,996 |
| Noninterest income to average assets | 0.8376% | 2,232 |
| Noninterest expense to average assets | 2.3051% | 6,746 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3416% | 1,137 |
| Return on assets (ROA) | 1.3416% | 1,210 |
| Pretax return on assets | 1.8085% | 838 |
| Return on Equity (ROE) | 8.5918% | 2,522 |
| Retained earnings to average equity (ytd only) | 7.3101% | 1,463 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0360% | 7,120 |
| Assets per employee ($millions) | 4.7997% | 2,322 |
| Cash dividends to net income (ytd only)* | 14.9171% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 2,665 |
| Loan loss allowance to noncurrent loans | 5,500.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 7,634 |
| Noncurrent loans to loans | 0.0294% | 7,467 |
| Net loans and leases to total assets | 23.2099% | 8,004 |
| Net loans and leases to deposits | 27.5549% | 8,017 |
| Net loans and leases to core deposits | 29.4657% | 8,039 |
| Total domestic deposits to total assets | 84.2315% | 3,630 |
| Equity capital to assets | 14.8552% | 1,068 |
| Core capital (leverage) ratio | 15.1880% | 879 |
| Tier 1 risk-based capital ratio | 34.7918% | 424 |
| Total risk-based capital ratio | 35.6864% | 427 |
| Memoranda: | ||
| Average total assets | $26,983,330 | 7,725 |
| Average earning assets | $25,646,000 | 7,654 |
| Average equity | $4,213,330 | 7,334 |
| Average total loans | $7,225,000 | 7,982 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9945% | 6,941 |
| Cost of funding earning assets | 1.3946% | 6,752 |
| Net interest margin | 3.6000% | 4,316 |
| Noninterest income to average assets | 1.3806% | 743 |
| Noninterest expense to average assets | 2.3163% | 6,483 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7334% | 603 |
| Return on assets (ROA) | 1.7334% | 660 |
| Pretax return on assets | 2.4697% | 274 |
| Return on Equity (ROE) | 10.8108% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.8108% | 1,005 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3974% | 7,707 |
| Assets per employee ($millions) | 4.3798% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 2,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 27.0634% | 7,978 |
| Net loans and leases to deposits | 32.6059% | 8,003 |
| Net loans and leases to core deposits | 35.3936% | 8,033 |
| Total domestic deposits to total assets | 83.0016% | 4,148 |
| Equity capital to assets | 16.1231% | 855 |
| Core capital (leverage) ratio | 16.2431% | 749 |
| Tier 1 risk-based capital ratio | 35.5961% | 419 |
| Total risk-based capital ratio | 36.5202% | 416 |
| Memoranda: | ||
| Average total assets | $26,076,000 | 7,796 |
| Average earning assets | $24,667,000 | 7,736 |
| Average equity | $4,181,000 | 7,389 |
| Average total loans | $7,440,500 | 8,012 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3550% | 7,528 |
| Cost of funding earning assets | 1.8274% | 6,934 |
| Net interest margin | 3.5276% | 5,197 |
| Noninterest income to average assets | 0.5685% | 4,094 |
| Noninterest expense to average assets | 2.5306% | 5,888 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1664% | 1,887 |
| Return on assets (ROA) | 0.8607% | 3,019 |
| Pretax return on assets | 0.9751% | 3,469 |
| Return on Equity (ROE) | 5.3426% | 4,218 |
| Retained earnings to average equity (ytd only) | 4.0192% | 2,631 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6762% | 5,195 |
| Assets per employee ($millions) | 4.3122% | 2,932 |
| Cash dividends to net income (ytd only)* | 24.7706% | 4,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 2,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 29.1771% | 8,012 |
| Net loans and leases to deposits | 35.2741% | 8,039 |
| Net loans and leases to core deposits | 38.5546% | 8,074 |
| Total domestic deposits to total assets | 82.7156% | 3,888 |
| Equity capital to assets | 15.9433% | 948 |
| Core capital (leverage) ratio | 15.8010% | 865 |
| Tier 1 risk-based capital ratio | 34.2693% | 472 |
| Total risk-based capital ratio | 35.1832% | 471 |
| Memoranda: | ||
| Average total assets | $25,329,600 | 7,834 |
| Average earning assets | $23,585,400 | 7,801 |
| Average equity | $4,080,400 | 7,485 |
| Average total loans | $7,651,200 | 8,047 |