Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3313% | 5,052 |
| Cost of funding earning assets | 1.0817% | 1,420 |
| Net interest margin | 2.2496% | 5,138 |
| Noninterest income to average assets | 0.1134% | 4,942 |
| Noninterest expense to average assets | 2.4171% | 3,639 |
| Loan and lease loss provision to assets | 0.0778% | 2,344 |
| Net operating income to assets | -0.2268% | 5,108 |
| Return on assets (ROA) | -0.2268% | 5,114 |
| Pretax return on assets | -0.2357% | 5,109 |
| Return on Equity (ROE) | -1.6675% | 5,112 |
| Retained earnings to average equity (ytd only) | -1.6675% | 4,906 |
| Net charge-offs to loans | 0.1857% | 930 |
| Credit loss provision to net charge-offs | 129.6296% | 1,828 |
| Earnings coverage of net charge-offs (x) | -2.6294% | 3,406 |
| Efficiency ratio | 106.9882% | 115 |
| Assets per employee ($millions) | 4.8008% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5357% | 4,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 37.3830% | 4,885 |
| Net loans and leases to deposits | 43.7208% | 4,916 |
| Net loans and leases to core deposits | 46.9470% | 4,899 |
| Total domestic deposits to total assets | 85.5040% | 2,207 |
| Equity capital to assets | 14.3554% | 1,021 |
| Core capital (leverage) ratio | 14.4292% | 870 |
| Tier 1 risk-based capital ratio | 32.2287% | 420 |
| Total risk-based capital ratio | 32.6736% | 434 |
| Memoranda: | ||
| Average total assets | $59,961,250 | 4,663 |
| Average earning assets | $57,193,000 | 4,630 |
| Average equity | $8,156,000 | 4,538 |
| Average total loans | $19,384,750 | 4,947 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2294% | 5,146 |
| Cost of funding earning assets | 1.1120% | 1,254 |
| Net interest margin | 2.1174% | 5,227 |
| Noninterest income to average assets | 0.1087% | 5,004 |
| Noninterest expense to average assets | 1.7647% | 4,907 |
| Loan and lease loss provision to assets | 0.0988% | 1,893 |
| Net operating income to assets | 0.2831% | 4,896 |
| Return on assets (ROA) | 0.2831% | 4,906 |
| Pretax return on assets | 0.2700% | 4,962 |
| Return on Equity (ROE) | 2.1187% | 4,923 |
| Retained earnings to average equity (ytd only) | 2.1187% | 4,079 |
| Net charge-offs to loans | 0.1503% | 1,038 |
| Credit loss provision to net charge-offs | 214.2857% | 1,145 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,444 |
| Efficiency ratio | 82.7160% | 751 |
| Assets per employee ($millions) | 4.5501% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6440% | 4,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 32.3410% | 5,065 |
| Net loans and leases to deposits | 37.7429% | 5,083 |
| Net loans and leases to core deposits | 40.2576% | 5,079 |
| Total domestic deposits to total assets | 85.6875% | 2,183 |
| Equity capital to assets | 14.1908% | 1,058 |
| Core capital (leverage) ratio | 14.2117% | 903 |
| Tier 1 risk-based capital ratio | 34.3874% | 355 |
| Total risk-based capital ratio | 34.8837% | 364 |
| Memoranda: | ||
| Average total assets | $60,745,330 | 4,681 |
| Average earning assets | $58,091,330 | 4,644 |
| Average equity | $8,118,000 | 4,567 |
| Average total loans | $18,629,000 | 5,010 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1817% | 5,214 |
| Cost of funding earning assets | 1.1037% | 1,168 |
| Net interest margin | 2.0780% | 5,303 |
| Noninterest income to average assets | 0.0975% | 5,087 |
| Noninterest expense to average assets | 1.6574% | 5,053 |
| Loan and lease loss provision to assets | 0.0975% | 1,798 |
| Net operating income to assets | 0.3445% | 4,847 |
| Return on assets (ROA) | 0.3445% | 4,853 |
| Pretax return on assets | 0.3250% | 4,930 |
| Return on Equity (ROE) | 2.6566% | 4,857 |
| Retained earnings to average equity (ytd only) | 2.6566% | 3,868 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6875% | 1,089 |
| Assets per employee ($millions) | 5.1321% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6744% | 4,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 29.4163% | 5,158 |
| Net loans and leases to deposits | 33.9130% | 5,175 |
| Net loans and leases to core deposits | 35.8584% | 5,173 |
| Total domestic deposits to total assets | 86.7403% | 1,938 |
| Equity capital to assets | 13.1818% | 1,355 |
| Core capital (leverage) ratio | 13.7783% | 1,007 |
| Tier 1 risk-based capital ratio | 34.7406% | 332 |
| Total risk-based capital ratio | 35.2399% | 346 |
| Memoranda: | ||
| Average total assets | $61,542,500 | 4,715 |
| Average earning assets | $58,711,500 | 4,678 |
| Average equity | $7,980,000 | 4,619 |
| Average total loans | $18,316,500 | 5,071 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9045% | 5,262 |
| Cost of funding earning assets | 0.9015% | 1,092 |
| Net interest margin | 2.0031% | 5,336 |
| Noninterest income to average assets | 0.0991% | 5,150 |
| Noninterest expense to average assets | 1.6583% | 5,129 |
| Loan and lease loss provision to assets | 0.0747% | 2,637 |
| Net operating income to assets | 0.2875% | 5,025 |
| Return on assets (ROA) | 0.2875% | 5,021 |
| Pretax return on assets | 0.2680% | 5,070 |
| Return on Equity (ROE) | 2.2269% | 5,012 |
| Retained earnings to average equity (ytd only) | 0.7171% | 4,795 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8734% | 719 |
| Assets per employee ($millions) | 5.1250% | 2,355 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5871% | 4,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 29.7333% | 5,211 |
| Net loans and leases to deposits | 34.1750% | 5,223 |
| Net loans and leases to core deposits | 35.7826% | 5,220 |
| Total domestic deposits to total assets | 87.0033% | 1,786 |
| Equity capital to assets | 12.7512% | 1,461 |
| Core capital (leverage) ratio | 13.8504% | 969 |
| Tier 1 risk-based capital ratio | 33.9521% | 341 |
| Total risk-based capital ratio | 34.3832% | 355 |
| Memoranda: | ||
| Average total assets | $61,569,400 | 4,734 |
| Average earning assets | $58,460,400 | 4,700 |
| Average equity | $7,948,400 | 4,615 |
| Average total loans | $15,496,400 | 5,181 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8527% | 5,339 |
| Cost of funding earning assets | 0.8581% | 1,082 |
| Net interest margin | 1.9946% | 5,407 |
| Noninterest income to average assets | 0.1083% | 5,182 |
| Noninterest expense to average assets | 1.6626% | 5,162 |
| Loan and lease loss provision to assets | 0.0498% | 2,994 |
| Net operating income to assets | 0.3118% | 5,083 |
| Return on assets (ROA) | 0.3118% | 5,076 |
| Pretax return on assets | 0.2879% | 5,147 |
| Return on Equity (ROE) | 2.4075% | 5,082 |
| Retained earnings to average equity (ytd only) | 2.4075% | 4,436 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1169% | 696 |
| Assets per employee ($millions) | 4.8789% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5085% | 5,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 28.4079% | 5,302 |
| Net loans and leases to deposits | 32.8754% | 5,317 |
| Net loans and leases to core deposits | 34.6883% | 5,312 |
| Total domestic deposits to total assets | 86.4109% | 2,010 |
| Equity capital to assets | 13.4678% | 1,145 |
| Core capital (leverage) ratio | 14.6217% | 794 |
| Tier 1 risk-based capital ratio | 36.5058% | 288 |
| Total risk-based capital ratio | 36.8669% | 308 |
| Memoranda: | ||
| Average total assets | $61,586,750 | 4,779 |
| Average earning assets | $58,423,500 | 4,752 |
| Average equity | $7,975,000 | 4,658 |
| Average total loans | $14,772,000 | 5,263 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8117% | 5,400 |
| Cost of funding earning assets | 0.8415% | 959 |
| Net interest margin | 1.9702% | 5,471 |
| Noninterest income to average assets | 0.1150% | 5,212 |
| Noninterest expense to average assets | 1.6294% | 5,246 |
| Loan and lease loss provision to assets | 0.0415% | 3,072 |
| Net operating income to assets | 0.3419% | 5,058 |
| Return on assets (ROA) | 0.3419% | 5,058 |
| Pretax return on assets | 0.3067% | 5,158 |
| Return on Equity (ROE) | 2.6733% | 5,067 |
| Retained earnings to average equity (ytd only) | 2.6733% | 4,182 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3910% | 806 |
| Assets per employee ($millions) | 5.0230% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4917% | 5,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 25.1792% | 5,397 |
| Net loans and leases to deposits | 28.9886% | 5,407 |
| Net loans and leases to core deposits | 30.5237% | 5,401 |
| Total domestic deposits to total assets | 86.8588% | 1,896 |
| Equity capital to assets | 13.0450% | 1,275 |
| Core capital (leverage) ratio | 13.8104% | 961 |
| Tier 1 risk-based capital ratio | 36.6177% | 285 |
| Total risk-based capital ratio | 36.9387% | 310 |
| Memoranda: | ||
| Average total assets | $62,600,000 | 4,816 |
| Average earning assets | $59,180,670 | 4,789 |
| Average equity | $8,005,000 | 4,692 |
| Average total loans | $14,123,670 | 5,339 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8212% | 5,447 |
| Cost of funding earning assets | 0.7036% | 1,420 |
| Net interest margin | 2.1175% | 5,523 |
| Noninterest income to average assets | 0.1506% | 5,112 |
| Noninterest expense to average assets | 1.5683% | 5,341 |
| Loan and lease loss provision to assets | 0.0251% | 3,191 |
| Net operating income to assets | 0.5646% | 4,530 |
| Return on assets (ROA) | 0.5646% | 4,533 |
| Pretax return on assets | 0.5583% | 4,772 |
| Return on Equity (ROE) | 4.4577% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.4577% | 3,413 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8863% | 2,057 |
| Assets per employee ($millions) | 5.2711% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4696% | 5,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 22.1175% | 5,491 |
| Net loans and leases to deposits | 25.3167% | 5,495 |
| Net loans and leases to core deposits | 26.5783% | 5,491 |
| Total domestic deposits to total assets | 87.3634% | 1,973 |
| Equity capital to assets | 12.5796% | 1,437 |
| Core capital (leverage) ratio | 13.3046% | 1,068 |
| Tier 1 risk-based capital ratio | 36.9423% | 282 |
| Total risk-based capital ratio | 37.2279% | 301 |
| Memoranda: | ||
| Average total assets | $63,762,000 | 4,851 |
| Average earning assets | $60,259,000 | 4,821 |
| Average equity | $8,076,000 | 4,732 |
| Average total loans | $13,559,500 | 5,410 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4825% | 5,559 |
| Cost of funding earning assets | 0.6206% | 1,465 |
| Net interest margin | 1.8619% | 5,593 |
| Noninterest income to average assets | 0.1240% | 5,324 |
| Noninterest expense to average assets | 1.6911% | 5,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2107% | 5,092 |
| Return on assets (ROA) | 0.2107% | 5,107 |
| Pretax return on assets | 0.2072% | 5,306 |
| Return on Equity (ROE) | 1.4493% | 5,161 |
| Retained earnings to average equity (ytd only) | 0.9013% | 4,664 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0858% | 470 |
| Assets per employee ($millions) | 5.3559% | 2,100 |
| Cash dividends to net income (ytd only)* | 37.8151% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4746% | 5,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 20.2284% | 5,571 |
| Net loans and leases to deposits | 23.2128% | 5,578 |
| Net loans and leases to core deposits | 24.2371% | 5,575 |
| Total domestic deposits to total assets | 87.1435% | 1,922 |
| Equity capital to assets | 12.7507% | 1,381 |
| Core capital (leverage) ratio | 13.3300% | 1,029 |
| Tier 1 risk-based capital ratio | 37.3211% | 270 |
| Total risk-based capital ratio | 37.5950% | 285 |
| Memoranda: | ||
| Average total assets | $56,471,600 | 5,037 |
| Average earning assets | $53,816,000 | 5,002 |
| Average equity | $8,210,800 | 4,753 |
| Average total loans | $10,923,800 | 5,519 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4847% | 5,621 |
| Cost of funding earning assets | 0.5860% | 1,632 |
| Net interest margin | 1.8987% | 5,657 |
| Noninterest income to average assets | 0.1272% | 5,366 |
| Noninterest expense to average assets | 1.7338% | 5,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2152% | 5,340 |
| Return on assets (ROA) | 0.2152% | 5,352 |
| Pretax return on assets | 0.2079% | 5,381 |
| Return on Equity (ROE) | 1.4283% | 5,381 |
| Retained earnings to average equity (ytd only) | 1.4283% | 4,841 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2947% | 439 |
| Assets per employee ($millions) | 4.9703% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5486% | 5,411 |
| 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 | 18.8451% | 5,645 |
| Net loans and leases to deposits | 21.9458% | 5,649 |
| Net loans and leases to core deposits | 23.1333% | 5,645 |
| Total domestic deposits to total assets | 85.8712% | 2,363 |
| Equity capital to assets | 14.0266% | 990 |
| Core capital (leverage) ratio | 15.6353% | 555 |
| Tier 1 risk-based capital ratio | 41.6437% | 201 |
| Total risk-based capital ratio | 41.9488% | 208 |
| Memoranda: | ||
| Average total assets | $54,521,750 | 5,124 |
| Average earning assets | $52,105,000 | 5,086 |
| Average equity | $8,214,750 | 4,796 |
| Average total loans | $10,389,000 | 5,591 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5963% | 5,634 |
| Cost of funding earning assets | 0.6043% | 1,415 |
| Net interest margin | 1.9920% | 5,692 |
| Noninterest income to average assets | 0.1363% | 5,368 |
| Noninterest expense to average assets | 1.8177% | 5,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2234% | 5,362 |
| Return on assets (ROA) | 0.2234% | 5,377 |
| Pretax return on assets | 0.2159% | 5,418 |
| Return on Equity (ROE) | 1.4453% | 5,418 |
| Retained earnings to average equity (ytd only) | 1.4453% | 4,669 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3855% | 482 |
| Assets per employee ($millions) | 4.0528% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5826% | 5,407 |
| 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 | 20.0809% | 5,682 |
| Net loans and leases to deposits | 23.8907% | 5,686 |
| Net loans and leases to core deposits | 25.7039% | 5,681 |
| Total domestic deposits to total assets | 84.0530% | 3,176 |
| Equity capital to assets | 15.8312% | 554 |
| Core capital (leverage) ratio | 15.9414% | 486 |
| Tier 1 risk-based capital ratio | 44.1657% | 168 |
| Total risk-based capital ratio | 44.4904% | 174 |
| Memoranda: | ||
| Average total assets | $52,814,330 | 5,194 |
| Average earning assets | $50,302,000 | 5,155 |
| Average equity | $8,164,330 | 4,832 |
| Average total loans | $10,084,670 | 5,645 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5448% | 5,707 |
| Cost of funding earning assets | 0.6123% | 1,286 |
| Net interest margin | 1.9325% | 5,765 |
| Noninterest income to average assets | 0.1286% | 5,476 |
| Noninterest expense to average assets | 1.7550% | 5,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2118% | 5,380 |
| Return on assets (ROA) | 0.2118% | 5,391 |
| Pretax return on assets | 0.2118% | 5,423 |
| Return on Equity (ROE) | 1.3868% | 5,439 |
| Retained earnings to average equity (ytd only) | 1.3868% | 4,543 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2308% | 595 |
| Assets per employee ($millions) | 4.0962% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6369% | 5,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 18.1634% | 5,760 |
| Net loans and leases to deposits | 21.4633% | 5,762 |
| Net loans and leases to core deposits | 23.0577% | 5,754 |
| Total domestic deposits to total assets | 84.6254% | 3,253 |
| Equity capital to assets | 15.2864% | 598 |
| Core capital (leverage) ratio | 15.9889% | 459 |
| Tier 1 risk-based capital ratio | 46.1192% | 162 |
| Total risk-based capital ratio | 46.4595% | 166 |
| Memoranda: | ||
| Average total assets | $52,878,000 | 5,250 |
| Average earning assets | $50,298,500 | 5,203 |
| Average equity | $8,076,000 | 4,889 |
| Average total loans | $9,806,000 | 5,714 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6216% | 5,719 |
| Cost of funding earning assets | 0.6289% | 1,160 |
| Net interest margin | 1.9927% | 5,809 |
| Noninterest income to average assets | 0.1010% | 5,646 |
| Noninterest expense to average assets | 1.7806% | 5,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2506% | 5,320 |
| Return on assets (ROA) | 0.2581% | 5,373 |
| Pretax return on assets | 0.2244% | 5,470 |
| Return on Equity (ROE) | 1.6444% | 5,467 |
| Retained earnings to average equity (ytd only) | 0.6911% | 5,051 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1386% | 608 |
| Assets per employee ($millions) | 4.3755% | 3,322 |
| Cash dividends to net income (ytd only)* | 57.9710% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6277% | 5,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 18.6950% | 5,814 |
| Net loans and leases to deposits | 22.1171% | 5,817 |
| Net loans and leases to core deposits | 23.7549% | 5,809 |
| Total domestic deposits to total assets | 84.5275% | 3,227 |
| Equity capital to assets | 15.2592% | 602 |
| Core capital (leverage) ratio | 15.5850% | 520 |
| Tier 1 risk-based capital ratio | 46.0831% | 166 |
| Total risk-based capital ratio | 46.4244% | 171 |
| Memoranda: | ||
| Average total assets | $53,466,000 | 5,275 |
| Average earning assets | $50,884,600 | 5,229 |
| Average equity | $8,392,200 | 4,865 |
| Average total loans | $10,094,400 | 5,765 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6690% | 5,771 |
| Cost of funding earning assets | 0.6235% | 1,181 |
| Net interest margin | 2.0454% | 5,865 |
| Noninterest income to average assets | 0.1018% | 5,704 |
| Noninterest expense to average assets | 1.7030% | 5,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3625% | 5,139 |
| Return on assets (ROA) | 0.3724% | 5,193 |
| Pretax return on assets | 0.3550% | 5,370 |
| Return on Equity (ROE) | 2.3565% | 5,392 |
| Retained earnings to average equity (ytd only) | 2.3565% | 4,500 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1515% | 1,059 |
| Assets per employee ($millions) | 4.4410% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6161% | 5,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 18.7664% | 5,886 |
| Net loans and leases to deposits | 22.4444% | 5,885 |
| Net loans and leases to core deposits | 23.8085% | 5,879 |
| Total domestic deposits to total assets | 83.6129% | 3,350 |
| Equity capital to assets | 16.1356% | 531 |
| Core capital (leverage) ratio | 15.8765% | 497 |
| Tier 1 risk-based capital ratio | 45.6763% | 170 |
| Total risk-based capital ratio | 46.0110% | 179 |
| Memoranda: | ||
| Average total assets | $53,706,000 | 5,321 |
| Average earning assets | $51,104,500 | 5,272 |
| Average equity | $8,487,250 | 4,893 |
| Average total loans | $10,148,500 | 5,829 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6932% | 5,847 |
| Cost of funding earning assets | 0.6293% | 1,144 |
| Net interest margin | 2.0639% | 5,940 |
| Noninterest income to average assets | 0.0854% | 5,825 |
| Noninterest expense to average assets | 1.6864% | 5,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3789% | 5,095 |
| Return on assets (ROA) | 0.3863% | 5,153 |
| Pretax return on assets | 0.3677% | 5,394 |
| Return on Equity (ROE) | 2.4615% | 5,393 |
| Retained earnings to average equity (ytd only) | 2.4615% | 4,317 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3956% | 1,224 |
| Assets per employee ($millions) | 4.4393% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5925% | 5,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 19.5266% | 5,943 |
| Net loans and leases to deposits | 23.3595% | 5,950 |
| Net loans and leases to core deposits | 25.0747% | 5,946 |
| Total domestic deposits to total assets | 83.5914% | 3,429 |
| Equity capital to assets | 16.1138% | 525 |
| Core capital (leverage) ratio | 15.6673% | 503 |
| Tier 1 risk-based capital ratio | 43.4374% | 192 |
| Total risk-based capital ratio | 43.7574% | 197 |
| Memoranda: | ||
| Average total assets | $53,844,000 | 5,377 |
| Average earning assets | $51,165,000 | 5,335 |
| Average equity | $8,450,000 | 4,934 |
| Average total loans | $10,177,000 | 5,899 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6974% | 5,909 |
| Cost of funding earning assets | 0.6411% | 1,099 |
| Net interest margin | 2.0563% | 6,004 |
| Noninterest income to average assets | 0.0887% | 5,854 |
| Noninterest expense to average assets | 1.6848% | 5,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3769% | 5,063 |
| Return on assets (ROA) | 0.3769% | 5,137 |
| Pretax return on assets | 0.3473% | 5,409 |
| Return on Equity (ROE) | 2.4335% | 5,390 |
| Retained earnings to average equity (ytd only) | 2.4335% | 4,284 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9091% | 1,267 |
| Assets per employee ($millions) | 4.5283% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6051% | 5,737 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 5,667 |
| Noncurrent loans to loans | 0.0195% | 5,427 |
| Net loans and leases to total assets | 18.7416% | 6,010 |
| Net loans and leases to deposits | 22.2499% | 6,011 |
| Net loans and leases to core deposits | 23.5566% | 6,009 |
| Total domestic deposits to total assets | 84.2323% | 3,437 |
| Equity capital to assets | 15.5634% | 591 |
| Core capital (leverage) ratio | 15.4196% | 543 |
| Tier 1 risk-based capital ratio | 43.5392% | 195 |
| Total risk-based capital ratio | 43.8619% | 200 |
| Memoranda: | ||
| Average total assets | $54,130,500 | 5,419 |
| Average earning assets | $51,159,500 | 5,380 |
| Average equity | $8,383,000 | 4,982 |
| Average total loans | $10,033,500 | 5,962 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7374% | 5,919 |
| Cost of funding earning assets | 0.6692% | 962 |
| Net interest margin | 2.0682% | 6,036 |
| Noninterest income to average assets | 0.0625% | 5,971 |
| Noninterest expense to average assets | 1.7639% | 5,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1929% | 5,592 |
| Return on assets (ROA) | 0.1929% | 5,646 |
| Pretax return on assets | 0.1782% | 5,711 |
| Return on Equity (ROE) | 1.2557% | 5,729 |
| Retained earnings to average equity (ytd only) | 0.5382% | 5,305 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8231% | 642 |
| Assets per employee ($millions) | 4.4935% | 3,054 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 5,751 |
| 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 | 18.0984% | 6,078 |
| Net loans and leases to deposits | 21.4521% | 6,075 |
| Net loans and leases to core deposits | 22.5589% | 6,073 |
| Total domestic deposits to total assets | 84.3663% | 3,344 |
| Equity capital to assets | 15.4093% | 613 |
| Core capital (leverage) ratio | 15.2977% | 569 |
| Tier 1 risk-based capital ratio | 41.7416% | 207 |
| Total risk-based capital ratio | 42.0529% | 216 |
| Memoranda: | ||
| Average total assets | $54,424,000 | 5,446 |
| Average earning assets | $49,463,400 | 5,450 |
| Average equity | $8,361,600 | 4,987 |
| Average total loans | $8,695,800 | 6,043 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7484% | 5,994 |
| Cost of funding earning assets | 0.6709% | 979 |
| Net interest margin | 2.0775% | 6,109 |
| Noninterest income to average assets | 0.0709% | 6,043 |
| Noninterest expense to average assets | 1.7109% | 5,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2542% | 5,569 |
| Return on assets (ROA) | 0.2542% | 5,646 |
| Pretax return on assets | 0.2371% | 5,743 |
| Return on Equity (ROE) | 1.6557% | 5,742 |
| Retained earnings to average equity (ytd only) | 1.6557% | 5,038 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8294% | 853 |
| Assets per employee ($millions) | 4.8515% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6700% | 5,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 5,617 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 17.2241% | 6,173 |
| Net loans and leases to deposits | 20.4776% | 6,178 |
| Net loans and leases to core deposits | 21.5461% | 6,173 |
| Total domestic deposits to total assets | 84.1119% | 3,378 |
| Equity capital to assets | 15.7288% | 610 |
| Core capital (leverage) ratio | 15.4621% | 560 |
| Tier 1 risk-based capital ratio | 41.8424% | 227 |
| Total risk-based capital ratio | 42.1524% | 235 |
| Memoranda: | ||
| Average total assets | $54,549,500 | 5,513 |
| Average earning assets | $49,287,500 | 5,521 |
| Average equity | $8,374,750 | 5,047 |
| Average total loans | $8,414,500 | 6,130 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7468% | 6,052 |
| Cost of funding earning assets | 0.6706% | 992 |
| Net interest margin | 2.0762% | 6,180 |
| Noninterest income to average assets | 0.0582% | 6,147 |
| Noninterest expense to average assets | 1.7400% | 5,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2184% | 5,652 |
| Return on assets (ROA) | 0.2184% | 5,723 |
| Pretax return on assets | 0.2002% | 5,814 |
| Return on Equity (ROE) | 1.4340% | 5,809 |
| Retained earnings to average equity (ytd only) | 1.4340% | 4,978 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6811% | 779 |
| Assets per employee ($millions) | 4.5238% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6893% | 5,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 5,703 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 16.4536% | 6,252 |
| Net loans and leases to deposits | 19.4580% | 6,259 |
| Net loans and leases to core deposits | 20.4468% | 6,250 |
| Total domestic deposits to total assets | 84.5596% | 3,313 |
| Equity capital to assets | 15.3115% | 644 |
| Core capital (leverage) ratio | 15.0725% | 601 |
| Tier 1 risk-based capital ratio | 41.8724% | 232 |
| Total risk-based capital ratio | 42.1841% | 243 |
| Memoranda: | ||
| Average total assets | $54,943,670 | 5,565 |
| Average earning assets | $49,803,330 | 5,569 |
| Average equity | $8,368,330 | 5,082 |
| Average total loans | $8,134,670 | 6,213 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8124% | 6,063 |
| Cost of funding earning assets | 0.6575% | 1,063 |
| Net interest margin | 2.1548% | 6,226 |
| Noninterest income to average assets | 0.0796% | 6,150 |
| Noninterest expense to average assets | 1.6645% | 6,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3836% | 5,134 |
| Return on assets (ROA) | 0.3836% | 5,254 |
| Pretax return on assets | 0.3836% | 5,460 |
| Return on Equity (ROE) | 2.5249% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.5249% | 4,425 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2721% | 1,717 |
| Assets per employee ($millions) | 4.5409% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7680% | 5,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 5,726 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 14.7015% | 6,330 |
| Net loans and leases to deposits | 17.4558% | 6,332 |
| Net loans and leases to core deposits | 18.4487% | 6,321 |
| Total domestic deposits to total assets | 84.2212% | 3,728 |
| Equity capital to assets | 15.5090% | 620 |
| Core capital (leverage) ratio | 15.0118% | 609 |
| Tier 1 risk-based capital ratio | 41.2167% | 246 |
| Total risk-based capital ratio | 41.5238% | 254 |
| Memoranda: | ||
| Average total assets | $55,272,500 | 5,608 |
| Average earning assets | $50,491,000 | 5,607 |
| Average equity | $8,396,500 | 5,115 |
| Average total loans | $7,705,000 | 6,291 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8605% | 6,161 |
| Cost of funding earning assets | 0.6900% | 1,153 |
| Net interest margin | 2.1705% | 6,318 |
| Noninterest income to average assets | 0.0813% | 6,217 |
| Noninterest expense to average assets | 1.6344% | 6,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4497% | 5,024 |
| Return on assets (ROA) | 0.4533% | 5,096 |
| Pretax return on assets | 0.4389% | 5,406 |
| Return on Equity (ROE) | 3.0704% | 5,455 |
| Retained earnings to average equity (ytd only) | 1.6025% | 5,021 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9703% | 2,067 |
| Assets per employee ($millions) | 4.6712% | 2,768 |
| Cash dividends to net income (ytd only)* | 47.8088% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 5,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 5,826 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 12.9786% | 6,433 |
| Net loans and leases to deposits | 15.3239% | 6,437 |
| Net loans and leases to core deposits | 16.1620% | 6,427 |
| Total domestic deposits to total assets | 84.6951% | 3,422 |
| Equity capital to assets | 14.8821% | 723 |
| Core capital (leverage) ratio | 14.8101% | 646 |
| Tier 1 risk-based capital ratio | 40.5166% | 229 |
| Total risk-based capital ratio | 40.8204% | 239 |
| Memoranda: | ||
| Average total assets | $55,370,800 | 5,663 |
| Average earning assets | $50,726,200 | 5,650 |
| Average equity | $8,174,800 | 5,161 |
| Average total loans | $6,647,200 | 6,401 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8816% | 6,219 |
| Cost of funding earning assets | 0.6921% | 1,188 |
| Net interest margin | 2.1895% | 6,396 |
| Noninterest income to average assets | 0.0845% | 6,293 |
| Noninterest expense to average assets | 1.5748% | 6,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5217% | 4,791 |
| Return on assets (ROA) | 0.5266% | 4,842 |
| Pretax return on assets | 0.5241% | 5,253 |
| Return on Equity (ROE) | 3.5738% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.5738% | 4,103 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2018% | 2,632 |
| Assets per employee ($millions) | 4.4868% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 5,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 5,942 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 13.5080% | 6,511 |
| Net loans and leases to deposits | 16.0181% | 6,517 |
| Net loans and leases to core deposits | 16.9336% | 6,509 |
| Total domestic deposits to total assets | 84.3301% | 3,631 |
| Equity capital to assets | 15.5195% | 634 |
| Core capital (leverage) ratio | 15.3741% | 567 |
| Tier 1 risk-based capital ratio | 41.0597% | 224 |
| Total risk-based capital ratio | 41.3644% | 239 |
| Memoranda: | ||
| Average total assets | $55,200,000 | 5,732 |
| Average earning assets | $50,665,250 | 5,714 |
| Average equity | $8,133,000 | 5,212 |
| Average total loans | $6,474,750 | 6,482 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8789% | 6,272 |
| Cost of funding earning assets | 0.6905% | 1,238 |
| Net interest margin | 2.1884% | 6,457 |
| Noninterest income to average assets | 0.0862% | 6,329 |
| Noninterest expense to average assets | 1.5920% | 6,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5139% | 4,749 |
| Return on assets (ROA) | 0.5139% | 4,845 |
| Pretax return on assets | 0.5103% | 5,250 |
| Return on Equity (ROE) | 3.5490% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.5490% | 3,942 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7265% | 2,683 |
| Assets per employee ($millions) | 4.5532% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 5,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 6,037 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 11.9367% | 6,589 |
| Net loans and leases to deposits | 14.0840% | 6,589 |
| Net loans and leases to core deposits | 14.8700% | 6,579 |
| Total domestic deposits to total assets | 84.7542% | 3,616 |
| Equity capital to assets | 15.1122% | 676 |
| Core capital (leverage) ratio | 15.2162% | 568 |
| Tier 1 risk-based capital ratio | 40.7471% | 227 |
| Total risk-based capital ratio | 41.0523% | 243 |
| Memoranda: | ||
| Average total assets | $55,652,670 | 5,772 |
| Average earning assets | $51,270,330 | 5,747 |
| Average equity | $8,058,670 | 5,261 |
| Average total loans | $6,188,000 | 6,555 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8953% | 6,332 |
| Cost of funding earning assets | 0.7026% | 1,231 |
| Net interest margin | 2.1927% | 6,529 |
| Noninterest income to average assets | 0.0783% | 6,399 |
| Noninterest expense to average assets | 1.5741% | 6,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5057% | 4,663 |
| Return on assets (ROA) | 0.5057% | 4,749 |
| Pretax return on assets | 0.5271% | 5,088 |
| Return on Equity (ROE) | 3.5681% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.5681% | 3,994 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9153% | 2,984 |
| Assets per employee ($millions) | 4.6778% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 5,593 |
| Loan loss allowance to noncurrent loans | 6,200.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 6,120 |
| Noncurrent loans to loans | 0.0158% | 6,121 |
| Net loans and leases to total assets | 11.1325% | 6,665 |
| Net loans and leases to deposits | 13.0014% | 6,666 |
| Net loans and leases to core deposits | 13.8026% | 6,656 |
| Total domestic deposits to total assets | 85.6252% | 3,546 |
| Equity capital to assets | 14.3249% | 822 |
| Core capital (leverage) ratio | 14.4964% | 702 |
| Tier 1 risk-based capital ratio | 40.9061% | 221 |
| Total risk-based capital ratio | 41.2152% | 233 |
| Memoranda: | ||
| Average total assets | $56,160,000 | 5,808 |
| Average earning assets | $51,808,500 | 5,792 |
| Average equity | $7,959,500 | 5,308 |
| Average total loans | $5,990,000 | 6,629 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8992% | 6,423 |
| Cost of funding earning assets | 0.7598% | 1,442 |
| Net interest margin | 2.1394% | 6,601 |
| Noninterest income to average assets | 0.1360% | 6,255 |
| Noninterest expense to average assets | 1.5088% | 6,570 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5605% | 4,455 |
| Return on assets (ROA) | 0.5605% | 4,572 |
| Pretax return on assets | 0.5936% | 4,891 |
| Return on Equity (ROE) | 3.7921% | 5,197 |
| Retained earnings to average equity (ytd only) | 2.3001% | 4,614 |
| Net charge-offs to loans | 0.0178% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 323.0000% | 137 |
| Efficiency ratio | 71.7657% | 3,517 |
| Assets per employee ($millions) | 4.6823% | 2,615 |
| Cash dividends to net income (ytd only)* | 39.3443% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 5,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 6,078 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 9.9792% | 6,749 |
| Net loans and leases to deposits | 11.6434% | 6,751 |
| Net loans and leases to core deposits | 12.2630% | 6,742 |
| Total domestic deposits to total assets | 85.7067% | 3,401 |
| Equity capital to assets | 14.0210% | 891 |
| Core capital (leverage) ratio | 14.6402% | 656 |
| Tier 1 risk-based capital ratio | 38.3755% | 258 |
| Total risk-based capital ratio | 38.6680% | 269 |
| Memoranda: | ||
| Average total assets | $54,414,600 | 5,908 |
| Average earning assets | $50,014,400 | 5,889 |
| Average equity | $8,043,000 | 5,326 |
| Average total loans | $5,632,600 | 6,720 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8952% | 6,498 |
| Cost of funding earning assets | 0.7742% | 1,462 |
| Net interest margin | 2.1210% | 6,690 |
| Noninterest income to average assets | 0.1482% | 6,288 |
| Noninterest expense to average assets | 1.3908% | 6,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6571% | 4,084 |
| Return on assets (ROA) | 0.6571% | 4,216 |
| Pretax return on assets | 0.7065% | 4,669 |
| Return on Equity (ROE) | 4.3870% | 5,033 |
| Retained earnings to average equity (ytd only) | 4.3870% | 3,553 |
| Net charge-offs to loans | 0.0237% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 286.7068% | 209 |
| Efficiency ratio | 66.3133% | 4,430 |
| Assets per employee ($millions) | 4.4262% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 5,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 6,156 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 11.2456% | 6,828 |
| Net loans and leases to deposits | 13.2515% | 6,827 |
| Net loans and leases to core deposits | 13.9234% | 6,818 |
| Total domestic deposits to total assets | 84.8627% | 3,811 |
| Equity capital to assets | 15.0488% | 707 |
| Core capital (leverage) ratio | 15.3122% | 590 |
| Tier 1 risk-based capital ratio | 39.0004% | 255 |
| Total risk-based capital ratio | 39.2947% | 264 |
| Memoranda: | ||
| Average total assets | $53,971,500 | 5,984 |
| Average earning assets | $49,597,500 | 5,965 |
| Average equity | $8,084,250 | 5,371 |
| Average total loans | $5,623,500 | 6,797 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9067% | 6,527 |
| Cost of funding earning assets | 0.7898% | 1,470 |
| Net interest margin | 2.1169% | 6,729 |
| Noninterest income to average assets | 0.1696% | 6,201 |
| Noninterest expense to average assets | 1.3196% | 6,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6819% | 3,894 |
| Return on assets (ROA) | 0.6819% | 4,060 |
| Pretax return on assets | 0.7962% | 4,325 |
| Return on Equity (ROE) | 4.5596% | 4,968 |
| Retained earnings to average equity (ytd only) | 4.5596% | 3,367 |
| Net charge-offs to loans | 0.0365% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 243 |
| Efficiency ratio | 62.3693% | 5,117 |
| Assets per employee ($millions) | 4.1008% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 5,701 |
| Loan loss allowance to noncurrent loans | 364.7059% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 6,107 |
| Noncurrent loans to loans | 0.2830% | 5,594 |
| Net loans and leases to total assets | 11.1515% | 6,875 |
| Net loans and leases to deposits | 13.1512% | 6,880 |
| Net loans and leases to core deposits | 13.9276% | 6,871 |
| Total domestic deposits to total assets | 84.7949% | 3,994 |
| Equity capital to assets | 15.0869% | 698 |
| Core capital (leverage) ratio | 15.3394% | 556 |
| Tier 1 risk-based capital ratio | 38.5702% | 258 |
| Total risk-based capital ratio | 38.8641% | 271 |
| Memoranda: | ||
| Average total assets | $54,257,330 | 6,014 |
| Average earning assets | $49,884,000 | 5,997 |
| Average equity | $8,114,670 | 5,405 |
| Average total loans | $5,486,330 | 6,848 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0034% | 6,515 |
| Cost of funding earning assets | 0.8126% | 1,460 |
| Net interest margin | 2.1908% | 6,761 |
| Noninterest income to average assets | 0.2266% | 5,842 |
| Noninterest expense to average assets | 1.5129% | 6,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6285% | 4,086 |
| Return on assets (ROA) | 0.6285% | 4,239 |
| Pretax return on assets | 0.7235% | 4,471 |
| Return on Equity (ROE) | 4.2206% | 4,986 |
| Retained earnings to average equity (ytd only) | 4.2206% | 3,693 |
| Net charge-offs to loans | 0.0765% | 3,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 384 |
| Efficiency ratio | 67.6471% | 4,380 |
| Assets per employee ($millions) | 4.0782% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 5,442 |
| Loan loss allowance to noncurrent loans | 6,200.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 6,306 |
| Noncurrent loans to loans | 0.0184% | 6,443 |
| Net loans and leases to total assets | 10.1364% | 6,953 |
| Net loans and leases to deposits | 12.0358% | 6,956 |
| Net loans and leases to core deposits | 12.8712% | 6,944 |
| Total domestic deposits to total assets | 84.2183% | 4,386 |
| Equity capital to assets | 15.4479% | 650 |
| Core capital (leverage) ratio | 14.8985% | 606 |
| Tier 1 risk-based capital ratio | 38.7437% | 257 |
| Total risk-based capital ratio | 39.0426% | 268 |
| Memoranda: | ||
| Average total assets | $54,730,500 | 6,053 |
| Average earning assets | $50,210,500 | 6,045 |
| Average equity | $8,150,500 | 5,446 |
| Average total loans | $5,226,000 | 6,928 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2305% | 6,645 |
| Cost of funding earning assets | 0.9693% | 1,531 |
| Net interest margin | 2.2611% | 6,854 |
| Noninterest income to average assets | 0.1577% | 6,249 |
| Noninterest expense to average assets | 1.6865% | 6,734 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4826% | 4,754 |
| Return on assets (ROA) | 0.4842% | 5,001 |
| Pretax return on assets | 0.5418% | 5,157 |
| Return on Equity (ROE) | 3.2309% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.1168% | 4,738 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7500% | 2,789 |
| Assets per employee ($millions) | 4.3418% | 3,273 |
| Cash dividends to net income (ytd only)* | 34.4828% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 4,842 |
| Loan loss allowance to noncurrent loans | 3,150.0000% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 6,161 |
| Noncurrent loans to loans | 0.0399% | 6,409 |
| Net loans and leases to total assets | 8.7751% | 7,020 |
| Net loans and leases to deposits | 10.2879% | 7,024 |
| Net loans and leases to core deposits | 10.8019% | 7,015 |
| Total domestic deposits to total assets | 85.2952% | 3,713 |
| Equity capital to assets | 14.3700% | 917 |
| Core capital (leverage) ratio | 14.6700% | 634 |
| Tier 1 risk-based capital ratio | 36.8119% | 295 |
| Total risk-based capital ratio | 37.1036% | 316 |
| Memoranda: | ||
| Average total assets | $53,899,400 | 6,092 |
| Average earning assets | $49,311,400 | 6,075 |
| Average equity | $8,078,200 | 5,479 |
| Average total loans | $5,142,600 | 6,998 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3412% | 6,692 |
| Cost of funding earning assets | 1.0133% | 1,483 |
| Net interest margin | 2.3279% | 6,933 |
| Noninterest income to average assets | 0.1527% | 6,385 |
| Noninterest expense to average assets | 1.6396% | 6,844 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5361% | 4,678 |
| Return on assets (ROA) | 0.5382% | 4,935 |
| Pretax return on assets | 0.6433% | 5,041 |
| Return on Equity (ROE) | 3.5522% | 5,477 |
| Retained earnings to average equity (ytd only) | 3.5522% | 4,378 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8990% | 3,346 |
| Assets per employee ($millions) | 4.3428% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 5,021 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 6,101 |
| Noncurrent loans to loans | 0.4184% | 5,617 |
| Net loans and leases to total assets | 9.5101% | 7,117 |
| Net loans and leases to deposits | 11.3805% | 7,123 |
| Net loans and leases to core deposits | 12.1581% | 7,115 |
| Total domestic deposits to total assets | 83.5646% | 4,404 |
| Equity capital to assets | 15.9193% | 621 |
| Core capital (leverage) ratio | 15.2316% | 573 |
| Tier 1 risk-based capital ratio | 37.4496% | 305 |
| Total risk-based capital ratio | 37.7448% | 312 |
| Memoranda: | ||
| Average total assets | $53,263,250 | 6,179 |
| Average earning assets | $48,684,000 | 6,173 |
| Average equity | $8,070,000 | 5,542 |
| Average total loans | $5,174,250 | 7,091 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3302% | 6,793 |
| Cost of funding earning assets | 1.0706% | 1,355 |
| Net interest margin | 2.2597% | 7,023 |
| Noninterest income to average assets | 0.1342% | 6,517 |
| Noninterest expense to average assets | 1.6441% | 6,891 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4629% | 4,986 |
| Return on assets (ROA) | 0.4660% | 5,211 |
| Pretax return on assets | 0.5555% | 5,294 |
| Return on Equity (ROE) | 3.1271% | 5,640 |
| Retained earnings to average equity (ytd only) | 3.1271% | 4,547 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8727% | 2,923 |
| Assets per employee ($millions) | 4.0500% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 5,505 |
| Loan loss allowance to noncurrent loans | 700.0000% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 6,216 |
| Noncurrent loans to loans | 0.1664% | 6,249 |
| Net loans and leases to total assets | 10.1519% | 7,180 |
| Net loans and leases to deposits | 12.0407% | 7,183 |
| Net loans and leases to core deposits | 12.8439% | 7,175 |
| Total domestic deposits to total assets | 84.3134% | 4,187 |
| Equity capital to assets | 15.3276% | 711 |
| Core capital (leverage) ratio | 14.8084% | 638 |
| Tier 1 risk-based capital ratio | 34.9998% | 342 |
| Total risk-based capital ratio | 35.2787% | 368 |
| Memoranda: | ||
| Average total assets | $53,646,670 | 6,202 |
| Average earning assets | $48,945,330 | 6,199 |
| Average equity | $7,994,670 | 5,573 |
| Average total loans | $5,226,000 | 7,152 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 6,780 |
| Cost of funding earning assets | 1.1243% | 1,276 |
| Net interest margin | 2.2975% | 7,057 |
| Noninterest income to average assets | 0.1551% | 6,468 |
| Noninterest expense to average assets | 1.6253% | 6,953 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4876% | 4,881 |
| Return on assets (ROA) | 0.4876% | 5,082 |
| Pretax return on assets | 0.6132% | 5,070 |
| Return on Equity (ROE) | 3.3178% | 5,586 |
| Retained earnings to average equity (ytd only) | 3.3178% | 4,575 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6073% | 3,326 |
| Assets per employee ($millions) | 4.1712% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 5,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 6,384 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 9.2743% | 7,243 |
| Net loans and leases to deposits | 10.9035% | 7,249 |
| Net loans and leases to core deposits | 11.5993% | 7,240 |
| Total domestic deposits to total assets | 85.0586% | 4,009 |
| Equity capital to assets | 14.6611% | 818 |
| Core capital (leverage) ratio | 14.5114% | 686 |
| Tier 1 risk-based capital ratio | 35.4464% | 330 |
| Total risk-based capital ratio | 35.7311% | 346 |
| Memoranda: | ||
| Average total assets | $54,145,000 | 6,225 |
| Average earning assets | $49,096,500 | 6,238 |
| Average equity | $7,957,000 | 5,611 |
| Average total loans | $5,135,000 | 7,215 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4094% | 7,046 |
| Cost of funding earning assets | 1.3666% | 1,177 |
| Net interest margin | 2.0428% | 7,214 |
| Noninterest income to average assets | 0.1400% | 6,452 |
| Noninterest expense to average assets | 1.7657% | 6,992 |
| Loan and lease loss provision to assets | -0.0303% | 7,230 |
| Net operating income to assets | 0.2421% | 5,451 |
| Return on assets (ROA) | 0.3369% | 5,274 |
| Pretax return on assets | 0.4372% | 5,181 |
| Return on Equity (ROE) | 2.2419% | 5,566 |
| Retained earnings to average equity (ytd only) | 1.4862% | 5,150 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1496% | 1,547 |
| Assets per employee ($millions) | 4.1588% | 3,531 |
| Cash dividends to net income (ytd only)* | 33.7079% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 5,311 |
| Loan loss allowance to noncurrent loans | 3,150.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 6,447 |
| Noncurrent loans to loans | 0.0386% | 6,731 |
| Net loans and leases to total assets | 9.4608% | 7,294 |
| Net loans and leases to deposits | 11.1586% | 7,298 |
| Net loans and leases to core deposits | 11.8741% | 7,286 |
| Total domestic deposits to total assets | 84.7850% | 3,967 |
| Equity capital to assets | 14.7304% | 840 |
| Core capital (leverage) ratio | 14.6343% | 681 |
| Tier 1 risk-based capital ratio | 35.4012% | 320 |
| Total risk-based capital ratio | 35.6880% | 342 |
| Memoranda: | ||
| Average total assets | $52,840,200 | 6,267 |
| Average earning assets | $49,392,800 | 6,220 |
| Average equity | $7,939,600 | 5,589 |
| Average total loans | $6,345,600 | 7,232 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4123% | 7,130 |
| Cost of funding earning assets | 1.4270% | 1,123 |
| Net interest margin | 1.9853% | 7,301 |
| Noninterest income to average assets | 0.1396% | 6,550 |
| Noninterest expense to average assets | 1.6319% | 7,153 |
| Loan and lease loss provision to assets | -0.0406% | 7,321 |
| Net operating income to assets | 0.2684% | 5,515 |
| Return on assets (ROA) | 0.3756% | 5,287 |
| Pretax return on assets | 0.5812% | 4,879 |
| Return on Equity (ROE) | 2.4873% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.4873% | 4,879 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2895% | 2,075 |
| Assets per employee ($millions) | 3.9908% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 5,990 |
| Loan loss allowance to noncurrent loans | 6,300.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 6,531 |
| Noncurrent loans to loans | 0.0170% | 6,902 |
| Net loans and leases to total assets | 11.2221% | 7,357 |
| Net loans and leases to deposits | 13.3652% | 7,364 |
| Net loans and leases to core deposits | 13.7486% | 7,354 |
| Total domestic deposits to total assets | 83.9649% | 4,246 |
| Equity capital to assets | 15.5012% | 722 |
| Core capital (leverage) ratio | 14.7914% | 706 |
| Tier 1 risk-based capital ratio | 34.6802% | 364 |
| Total risk-based capital ratio | 34.9602% | 384 |
| Memoranda: | ||
| Average total assets | $52,534,000 | 6,339 |
| Average earning assets | $49,428,250 | 6,269 |
| Average equity | $7,933,500 | 5,619 |
| Average total loans | $6,637,500 | 7,295 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3444% | 7,235 |
| Cost of funding earning assets | 1.5162% | 953 |
| Net interest margin | 1.8282% | 7,401 |
| Noninterest income to average assets | 0.1517% | 6,565 |
| Noninterest expense to average assets | 1.5772% | 7,262 |
| Loan and lease loss provision to assets | 0.2047% | 3,881 |
| Net operating income to assets | 0.0957% | 6,030 |
| Return on assets (ROA) | 0.3298% | 5,384 |
| Pretax return on assets | 0.3488% | 5,550 |
| Return on Equity (ROE) | 2.2033% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.2033% | 4,891 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7022% | 1,856 |
| Assets per employee ($millions) | 4.0824% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8897% | 2,702 |
| Loan loss allowance to noncurrent loans | 6,650.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 6,586 |
| Noncurrent loans to loans | 0.0284% | 6,914 |
| Net loans and leases to total assets | 13.0109% | 7,426 |
| Net loans and leases to deposits | 15.3879% | 7,436 |
| Net loans and leases to core deposits | 15.8147% | 7,428 |
| Total domestic deposits to total assets | 84.5528% | 4,095 |
| Equity capital to assets | 14.9780% | 828 |
| Core capital (leverage) ratio | 14.3778% | 790 |
| Tier 1 risk-based capital ratio | 34.5489% | 364 |
| Total risk-based capital ratio | 35.1426% | 381 |
| Memoranda: | ||
| Average total assets | $52,752,000 | 6,380 |
| Average earning assets | $49,993,670 | 6,295 |
| Average equity | $7,897,330 | 5,648 |
| Average total loans | $6,888,330 | 7,360 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2549% | 7,321 |
| Cost of funding earning assets | 1.6354% | 713 |
| Net interest margin | 1.6194% | 7,488 |
| Noninterest income to average assets | 0.1293% | 6,770 |
| Noninterest expense to average assets | 1.5668% | 7,326 |
| Loan and lease loss provision to assets | 0.4107% | 2,137 |
| Net operating income to assets | -0.3270% | 6,683 |
| Return on assets (ROA) | -0.3270% | 6,693 |
| Pretax return on assets | -0.3042% | 6,623 |
| Return on Equity (ROE) | -2.1851% | 6,604 |
| Retained earnings to average equity (ytd only) | -2.1851% | 6,176 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6364% | 1,059 |
| Assets per employee ($millions) | 4.1490% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 2,411 |
| Loan loss allowance to noncurrent loans | 4,433.3333% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 6,644 |
| Noncurrent loans to loans | 0.0452% | 6,937 |
| Net loans and leases to total assets | 12.0585% | 7,489 |
| Net loans and leases to deposits | 14.1972% | 7,497 |
| Net loans and leases to core deposits | 14.7136% | 7,486 |
| Total domestic deposits to total assets | 84.9361% | 4,063 |
| Equity capital to assets | 14.5651% | 863 |
| Core capital (leverage) ratio | 14.2339% | 797 |
| Tier 1 risk-based capital ratio | 32.2444% | 425 |
| Total risk-based capital ratio | 32.8079% | 445 |
| Memoranda: | ||
| Average total assets | $52,592,500 | 6,434 |
| Average earning assets | $50,140,500 | 6,340 |
| Average equity | $7,871,500 | 5,656 |
| Average total loans | $6,813,500 | 7,421 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5646% | 7,361 |
| Cost of funding earning assets | 1.7397% | 1,426 |
| Net interest margin | 1.8249% | 7,498 |
| Noninterest income to average assets | 0.1689% | 6,523 |
| Noninterest expense to average assets | 1.7951% | 7,271 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0419% | 5,722 |
| Return on assets (ROA) | 0.2180% | 5,373 |
| Pretax return on assets | 0.2887% | 5,262 |
| Return on Equity (ROE) | 1.4047% | 5,584 |
| Retained earnings to average equity (ytd only) | 1.0251% | 5,026 |
| Net charge-offs to loans | -0.0136% | 7,332 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9247% | 927 |
| Assets per employee ($millions) | 3.6606% | 4,548 |
| Cash dividends to net income (ytd only)* | 27.0270% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 5,830 |
| Loan loss allowance to noncurrent loans | 239.3939% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 6,558 |
| Noncurrent loans to loans | 0.4721% | 6,097 |
| Net loans and leases to total assets | 13.4854% | 7,571 |
| Net loans and leases to deposits | 16.0467% | 7,579 |
| Net loans and leases to core deposits | 16.5712% | 7,564 |
| Total domestic deposits to total assets | 84.0384% | 4,345 |
| Equity capital to assets | 15.3899% | 701 |
| Core capital (leverage) ratio | 14.7468% | 704 |
| Tier 1 risk-based capital ratio | 33.3319% | 395 |
| Total risk-based capital ratio | 33.6760% | 410 |
| Memoranda: | ||
| Average total assets | $50,916,800 | 6,498 |
| Average earning assets | $46,962,400 | 6,482 |
| Average equity | $7,901,800 | 5,748 |
| Average total loans | $7,379,800 | 7,490 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6279% | 7,481 |
| Cost of funding earning assets | 1.7753% | 1,529 |
| Net interest margin | 1.8526% | 7,618 |
| Noninterest income to average assets | 0.1757% | 6,625 |
| Noninterest expense to average assets | 1.6970% | 7,438 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1380% | 5,668 |
| Return on assets (ROA) | 0.1810% | 5,730 |
| Pretax return on assets | 0.2308% | 5,661 |
| Return on Equity (ROE) | 1.1637% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.1637% | 5,351 |
| Net charge-offs to loans | -0.0178% | 7,338 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6162% | 1,238 |
| Assets per employee ($millions) | 3.6105% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 6,131 |
| Loan loss allowance to noncurrent loans | 564.2857% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 6,758 |
| Noncurrent loans to loans | 0.1872% | 6,807 |
| Net loans and leases to total assets | 14.6418% | 7,668 |
| Net loans and leases to deposits | 17.5500% | 7,676 |
| Net loans and leases to core deposits | 18.1339% | 7,664 |
| Total domestic deposits to total assets | 83.4293% | 4,408 |
| Equity capital to assets | 15.9080% | 697 |
| Core capital (leverage) ratio | 15.0040% | 715 |
| Tier 1 risk-based capital ratio | 30.4450% | 493 |
| Total risk-based capital ratio | 30.7597% | 527 |
| Memoranda: | ||
| Average total assets | $50,834,000 | 6,579 |
| Average earning assets | $46,563,250 | 6,574 |
| Average equity | $7,905,500 | 5,822 |
| Average total loans | $7,477,250 | 7,581 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 7,567 |
| Cost of funding earning assets | 1.8163% | 1,584 |
| Net interest margin | 1.7947% | 7,696 |
| Noninterest income to average assets | 0.1728% | 6,668 |
| Noninterest expense to average assets | 1.7200% | 7,488 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0807% | 5,920 |
| Return on assets (ROA) | 0.1100% | 5,944 |
| Pretax return on assets | 0.1178% | 5,946 |
| Return on Equity (ROE) | 0.7124% | 6,026 |
| Retained earnings to average equity (ytd only) | 0.7124% | 5,478 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2174% | 998 |
| Assets per employee ($millions) | 3.6151% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 6,093 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 6,842 |
| Noncurrent loans to loans | 0.0411% | 7,214 |
| Net loans and leases to total assets | 14.2832% | 7,733 |
| Net loans and leases to deposits | 17.0523% | 7,747 |
| Net loans and leases to core deposits | 17.4441% | 7,738 |
| Total domestic deposits to total assets | 83.7608% | 4,217 |
| Equity capital to assets | 15.6662% | 731 |
| Core capital (leverage) ratio | 14.8501% | 755 |
| Tier 1 risk-based capital ratio | 30.6060% | 475 |
| Total risk-based capital ratio | 30.9201% | 510 |
| Memoranda: | ||
| Average total assets | $50,929,670 | 6,619 |
| Average earning assets | $46,358,670 | 6,620 |
| Average equity | $7,860,330 | 5,853 |
| Average total loans | $7,476,330 | 7,644 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5662% | 7,688 |
| Cost of funding earning assets | 1.8530% | 1,647 |
| Net interest margin | 1.7132% | 7,797 |
| Noninterest income to average assets | 0.1644% | 6,796 |
| Noninterest expense to average assets | 1.7460% | 7,526 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0235% | 6,341 |
| Return on assets (ROA) | -0.0235% | 6,427 |
| Pretax return on assets | -0.0470% | 6,408 |
| Return on Equity (ROE) | -0.1533% | 6,426 |
| Retained earnings to average equity (ytd only) | -0.1533% | 5,867 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7650% | 764 |
| Assets per employee ($millions) | 3.7052% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 6,242 |
| Loan loss allowance to noncurrent loans | 150.0000% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 6,699 |
| Noncurrent loans to loans | 0.6986% | 5,935 |
| Net loans and leases to total assets | 14.1981% | 7,837 |
| Net loans and leases to deposits | 16.8262% | 7,850 |
| Net loans and leases to core deposits | 17.1975% | 7,838 |
| Total domestic deposits to total assets | 84.3811% | 3,962 |
| Equity capital to assets | 15.1119% | 854 |
| Core capital (leverage) ratio | 15.0146% | 748 |
| Tier 1 risk-based capital ratio | 33.3275% | 398 |
| Total risk-based capital ratio | 33.6709% | 419 |
| Memoranda: | ||
| Average total assets | $51,088,500 | 6,696 |
| Average earning assets | $45,763,500 | 6,717 |
| Average equity | $7,826,000 | 5,902 |
| Average total loans | $7,561,000 | 7,735 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 7,592 |
| Cost of funding earning assets | 2.0298% | 2,824 |
| Net interest margin | 2.2004% | 7,645 |
| Noninterest income to average assets | 0.2192% | 6,545 |
| Noninterest expense to average assets | 1.9062% | 7,495 |
| Loan and lease loss provision to assets | 0.0402% | 7,148 |
| Net operating income to assets | 0.2369% | 4,771 |
| Return on assets (ROA) | 0.4846% | 3,892 |
| Pretax return on assets | 0.6052% | 3,889 |
| Return on Equity (ROE) | 3.1510% | 4,435 |
| Retained earnings to average equity (ytd only) | 2.7587% | 3,228 |
| Net charge-offs to loans | 2.9134% | 736 |
| Credit loss provision to net charge-offs | 9.3023% | 6,973 |
| Earnings coverage of net charge-offs (x) | 0.7767% | 5,329 |
| Efficiency ratio | 85.0224% | 2,223 |
| Assets per employee ($millions) | 3.3536% | 5,362 |
| Cash dividends to net income (ytd only)* | 12.4481% | 3,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 6,287 |
| Loan loss allowance to noncurrent loans | 173.3333% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 6,674 |
| Noncurrent loans to loans | 0.5860% | 6,068 |
| Net loans and leases to total assets | 15.1101% | 7,908 |
| Net loans and leases to deposits | 18.0127% | 7,922 |
| Net loans and leases to core deposits | 22.6517% | 7,909 |
| Total domestic deposits to total assets | 83.8860% | 4,077 |
| Equity capital to assets | 15.5316% | 780 |
| Core capital (leverage) ratio | 15.0591% | 769 |
| Tier 1 risk-based capital ratio | 38.7394% | 272 |
| Total risk-based capital ratio | 39.1384% | 278 |
| Memoranda: | ||
| Average total assets | $49,733,400 | 6,718 |
| Average earning assets | $45,718,200 | 6,692 |
| Average equity | $7,648,400 | 6,037 |
| Average total loans | $7,379,800 | 7,811 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 7,705 |
| Cost of funding earning assets | 2.0405% | 3,162 |
| Net interest margin | 2.1909% | 7,715 |
| Noninterest income to average assets | 0.2178% | 6,673 |
| Noninterest expense to average assets | 1.7718% | 7,692 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3703% | 4,518 |
| Return on assets (ROA) | 0.4759% | 4,190 |
| Pretax return on assets | 0.6184% | 4,135 |
| Return on Equity (ROE) | 3.1022% | 4,745 |
| Retained earnings to average equity (ytd only) | 3.1022% | 3,588 |
| Net charge-offs to loans | 3.5591% | 417 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.9180% | 5,139 |
| Efficiency ratio | 78.6396% | 3,060 |
| Assets per employee ($millions) | 3.0672% | 5,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 6,214 |
| Loan loss allowance to noncurrent loans | 1,950.0000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 6,937 |
| Noncurrent loans to loans | 0.0519% | 7,375 |
| Net loans and leases to total assets | 15.5599% | 7,988 |
| Net loans and leases to deposits | 18.5682% | 8,005 |
| Net loans and leases to core deposits | 23.3846% | 7,979 |
| Total domestic deposits to total assets | 83.7983% | 3,821 |
| Equity capital to assets | 15.8044% | 821 |
| Core capital (leverage) ratio | 15.2809% | 807 |
| Tier 1 risk-based capital ratio | 37.1654% | 329 |
| Total risk-based capital ratio | 37.5499% | 342 |
| Memoranda: | ||
| Average total assets | $49,590,750 | 6,775 |
| Average earning assets | $46,067,250 | 6,733 |
| Average equity | $7,607,250 | 6,108 |
| Average total loans | $7,305,000 | 7,888 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3779% | 7,728 |
| Cost of funding earning assets | 2.0812% | 3,354 |
| Net interest margin | 2.2967% | 7,682 |
| Noninterest income to average assets | 0.1929% | 6,911 |
| Noninterest expense to average assets | 1.7805% | 7,766 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4489% | 4,294 |
| Return on assets (ROA) | 0.6149% | 3,729 |
| Pretax return on assets | 0.7596% | 3,805 |
| Return on Equity (ROE) | 4.0489% | 4,478 |
| Retained earnings to average equity (ytd only) | 4.0489% | 3,034 |
| Net charge-offs to loans | 5.4682% | 212 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.7041% | 5,014 |
| Efficiency ratio | 76.2478% | 3,643 |
| Assets per employee ($millions) | 3.3012% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 5,713 |
| Loan loss allowance to noncurrent loans | 108.4507% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 6,792 |
| Noncurrent loans to loans | 0.9985% | 5,209 |
| Net loans and leases to total assets | 14.2049% | 8,085 |
| Net loans and leases to deposits | 16.8961% | 8,098 |
| Net loans and leases to core deposits | 21.3449% | 8,079 |
| Total domestic deposits to total assets | 84.0725% | 3,724 |
| Equity capital to assets | 15.5136% | 929 |
| Core capital (leverage) ratio | 15.0689% | 907 |
| Tier 1 risk-based capital ratio | 41.5653% | 274 |
| Total risk-based capital ratio | 41.9912% | 282 |
| Memoranda: | ||
| Average total assets | $49,762,670 | 6,839 |
| Average earning assets | $46,415,000 | 6,778 |
| Average equity | $7,557,670 | 6,160 |
| Average total loans | $7,168,670 | 7,985 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 7,762 |
| Cost of funding earning assets | 2.1247% | 3,539 |
| Net interest margin | 2.3217% | 7,693 |
| Noninterest income to average assets | 0.1924% | 6,918 |
| Noninterest expense to average assets | 1.6678% | 7,853 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4811% | 4,509 |
| Return on assets (ROA) | 0.4811% | 4,700 |
| Pretax return on assets | 0.6976% | 4,444 |
| Return on Equity (ROE) | 3.2019% | 5,276 |
| Retained earnings to average equity (ytd only) | 3.2019% | 4,090 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5085% | 4,479 |
| Assets per employee ($millions) | 3.5971% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7943% | 263 |
| Loan loss allowance to noncurrent loans | 72.2222% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 5,283 |
| Noncurrent loans to loans | 5.2536% | 1,013 |
| Net loans and leases to total assets | 13.7453% | 8,142 |
| Net loans and leases to deposits | 16.2580% | 8,156 |
| Net loans and leases to core deposits | 20.4684% | 8,137 |
| Total domestic deposits to total assets | 84.5450% | 3,438 |
| Equity capital to assets | 15.0698% | 1,085 |
| Core capital (leverage) ratio | 14.7710% | 1,017 |
| Tier 1 risk-based capital ratio | 43.7979% | 271 |
| Total risk-based capital ratio | 45.0549% | 266 |
| Memoranda: | ||
| Average total assets | $49,885,000 | 6,872 |
| Average earning assets | $46,689,500 | 6,811 |
| Average equity | $7,495,500 | 6,218 |
| Average total loans | $7,197,500 | 8,027 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 7,838 |
| Cost of funding earning assets | 2.6195% | 3,582 |
| Net interest margin | 2.3736% | 7,869 |
| Noninterest income to average assets | 0.2338% | 6,766 |
| Noninterest expense to average assets | 1.8008% | 7,753 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4259% | 5,051 |
| Return on assets (ROA) | 0.4259% | 4,869 |
| Pretax return on assets | 0.6696% | 4,488 |
| Return on Equity (ROE) | 2.8858% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.4832% | 3,650 |
| Net charge-offs to loans | 0.1016% | 5,298 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 42.2500% | 874 |
| Efficiency ratio | 72.8949% | 3,771 |
| Assets per employee ($millions) | 3.5294% | 4,595 |
| Cash dividends to net income (ytd only)* | 13.9535% | 4,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7917% | 217 |
| Loan loss allowance to noncurrent loans | 43.5407% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 1.2689% | 3,689 |
| Noncurrent loans to loans | 8.7083% | 288 |
| Net loans and leases to total assets | 14.0191% | 8,197 |
| Net loans and leases to deposits | 16.5567% | 8,206 |
| Net loans and leases to core deposits | 20.8174% | 8,194 |
| Total domestic deposits to total assets | 84.6735% | 2,994 |
| Equity capital to assets | 14.9805% | 1,168 |
| Core capital (leverage) ratio | 14.3160% | 1,183 |
| Tier 1 risk-based capital ratio | 47.0833% | 241 |
| Total risk-based capital ratio | 48.3370% | 241 |
| Memoranda: | ||
| Average total assets | $50,476,800 | 6,754 |
| Average earning assets | $47,565,600 | 6,685 |
| Average equity | $7,450,200 | 6,293 |
| Average total loans | $7,876,200 | 8,040 |