Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 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 | 6.3408% | 89 |
| Cost of funding earning assets | 1.2999% | 51 |
| Net interest margin | 5.0409% | 223 |
| Noninterest income to average assets | 1.2420% | 685 |
| Noninterest expense to average assets | 10.5957% | 65 |
| Loan and lease loss provision to assets | 14.7945% | 1 |
| Net operating income to assets | -20.3231% | 5,669 |
| Return on assets (ROA) | -19.8505% | 5,669 |
| Pretax return on assets | -19.8395% | 5,669 |
| Return on Equity (ROE) | -244.5167% | 5,670 |
| Retained earnings to average equity (ytd only) | -244.5167% | 5,670 |
| Net charge-offs to loans | 33.4304% | 1 |
| Credit loss provision to net charge-offs | 96.1429% | 2,683 |
| Earnings coverage of net charge-offs (x) | -0.3586% | 4,030 |
| Efficiency ratio | 208.6580% | 10 |
| Assets per employee ($millions) | 1.2160% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9124% | 633 |
| Loan loss allowance to noncurrent loans | 313.6364% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 3,680 |
| Noncurrent loans to loans | 0.6098% | 2,709 |
| Net loans and leases to total assets | 48.5060% | 4,736 |
| Net loans and leases to deposits | 51.0605% | 5,023 |
| Net loans and leases to core deposits | 51.0605% | 5,099 |
| Total domestic deposits to total assets | 94.9973% | 5 |
| Equity capital to assets | 4.4819% | 5,657 |
| Core capital (leverage) ratio | 4.7422% | 5,656 |
| Tier 1 risk-based capital ratio | 7.1540% | 5,657 |
| Total risk-based capital ratio | 8.4050% | 5,656 |
| Memoranda: | ||
| Average total assets | $9,098,000 | 5,665 |
| Average earning assets | $6,923,400 | 5,660 |
| Average equity | $738,600 | 5,666 |
| Average total loans | $4,187,800 | 5,626 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3584% | 81 |
| Cost of funding earning assets | 1.4518% | 24 |
| Net interest margin | 4.9067% | 271 |
| Noninterest income to average assets | 0.8238% | 1,502 |
| Noninterest expense to average assets | 8.6433% | 84 |
| Loan and lease loss provision to assets | 18.7948% | 1 |
| Net operating income to assets | -22.9000% | 5,736 |
| Return on assets (ROA) | -22.2996% | 5,736 |
| Pretax return on assets | -22.2857% | 5,736 |
| Return on Equity (ROE) | -253.0339% | 5,736 |
| Retained earnings to average equity (ytd only) | -253.0339% | 5,736 |
| Net charge-offs to loans | 43.0816% | 1 |
| Credit loss provision to net charge-offs | 96.1429% | 2,373 |
| Earnings coverage of net charge-offs (x) | -0.2093% | 3,705 |
| Efficiency ratio | 189.8773% | 14 |
| Assets per employee ($millions) | 0.9810% | 5,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 929 |
| Loan loss allowance to noncurrent loans | 575.0000% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 4,506 |
| Noncurrent loans to loans | 0.3056% | 3,846 |
| Net loans and leases to total assets | 49.1590% | 4,757 |
| Net loans and leases to deposits | 54.0109% | 4,965 |
| Net loans and leases to core deposits | 54.0109% | 5,072 |
| Total domestic deposits to total assets | 91.0168% | 182 |
| Equity capital to assets | 6.9062% | 5,666 |
| Core capital (leverage) ratio | 6.1727% | 5,694 |
| Tier 1 risk-based capital ratio | 9.5903% | 5,663 |
| Total risk-based capital ratio | 10.8231% | 5,641 |
| Memoranda: | ||
| Average total assets | $9,548,500 | 5,730 |
| Average earning assets | $7,255,250 | 5,724 |
| Average equity | $841,500 | 5,733 |
| Average total loans | $4,332,750 | 5,690 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9578% | 132 |
| Cost of funding earning assets | 0.9066% | 294 |
| Net interest margin | 5.0512% | 204 |
| Noninterest income to average assets | 0.9688% | 1,094 |
| Noninterest expense to average assets | 7.1575% | 119 |
| Loan and lease loss provision to assets | 26.6131% | 1 |
| Net operating income to assets | -28.9462% | 5,787 |
| Return on assets (ROA) | -29.1637% | 5,787 |
| Pretax return on assets | -29.1637% | 5,787 |
| Return on Equity (ROE) | -313.3864% | 5,787 |
| Retained earnings to average equity (ytd only) | -313.3864% | 5,787 |
| Net charge-offs to loans | 60.3850% | 1 |
| Credit loss provision to net charge-offs | 99.7776% | 2,044 |
| Earnings coverage of net charge-offs (x) | -0.0875% | 3,415 |
| Efficiency ratio | 148.3607% | 27 |
| Assets per employee ($millions) | 1.1503% | 5,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8818% | 179 |
| Loan loss allowance to noncurrent loans | 521.7391% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 4,128 |
| Noncurrent loans to loans | 0.5524% | 3,082 |
| Net loans and leases to total assets | 43.9470% | 5,045 |
| Net loans and leases to deposits | 54.6634% | 4,925 |
| Net loans and leases to core deposits | 54.6634% | 5,062 |
| Total domestic deposits to total assets | 80.3956% | 4,324 |
| Equity capital to assets | 7.7374% | 5,610 |
| Core capital (leverage) ratio | 6.6626% | 5,729 |
| Tier 1 risk-based capital ratio | 10.6826% | 5,386 |
| Total risk-based capital ratio | 11.9298% | 5,320 |
| Memoranda: | ||
| Average total assets | $10,115,330 | 5,779 |
| Average earning assets | $7,721,000 | 5,770 |
| Average equity | $941,330 | 5,782 |
| Average total loans | $4,468,000 | 5,738 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8615% | 144 |
| Cost of funding earning assets | 0.8445% | 386 |
| Net interest margin | 5.0171% | 222 |
| Noninterest income to average assets | 1.2864% | 613 |
| Noninterest expense to average assets | 7.3780% | 119 |
| Loan and lease loss provision to assets | 50.8135% | 1 |
| Net operating income to assets | -53.0836% | 5,856 |
| Return on assets (ROA) | -53.0836% | 5,856 |
| Pretax return on assets | -53.0836% | 5,856 |
| Return on Equity (ROE) | -531.4394% | 5,856 |
| Retained earnings to average equity (ytd only) | -531.4394% | 5,856 |
| Net charge-offs to loans | 117.6623% | 1 |
| Credit loss provision to net charge-offs | 98.8227% | 1,628 |
| Earnings coverage of net charge-offs (x) | -0.0442% | 2,854 |
| Efficiency ratio | 144.4444% | 39 |
| Assets per employee ($millions) | 1.2634% | 5,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4468% | 333 |
| Loan loss allowance to noncurrent loans | 428.0000% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5640% | 2,972 |
| Noncurrent loans to loans | 0.5717% | 3,092 |
| Net loans and leases to total assets | 42.2084% | 5,148 |
| Net loans and leases to deposits | 48.3290% | 5,204 |
| Net loans and leases to core deposits | 54.1577% | 5,054 |
| Total domestic deposits to total assets | 87.3355% | 2,058 |
| Equity capital to assets | 7.3711% | 5,708 |
| Core capital (leverage) ratio | 6.6889% | 5,782 |
| Tier 1 risk-based capital ratio | 10.7971% | 5,408 |
| Total risk-based capital ratio | 12.0383% | 5,337 |
| Memoranda: | ||
| Average total assets | $10,572,000 | 5,843 |
| Average earning assets | $8,052,500 | 5,837 |
| Average equity | $1,056,000 | 5,846 |
| Average total loans | $4,620,000 | 5,805 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0407% | 119 |
| Cost of funding earning assets | 0.6228% | 1,186 |
| Net interest margin | 5.4180% | 123 |
| Noninterest income to average assets | 0.9410% | 1,291 |
| Noninterest expense to average assets | 5.0727% | 247 |
| Loan and lease loss provision to assets | 0.4192% | 358 |
| Net operating income to assets | -0.0855% | 5,681 |
| Return on assets (ROA) | 0.0342% | 5,644 |
| Pretax return on assets | 0.0342% | 5,637 |
| Return on Equity (ROE) | 0.2783% | 5,640 |
| Retained earnings to average equity (ytd only) | 0.2783% | 5,208 |
| Net charge-offs to loans | 1.4278% | 102 |
| Credit loss provision to net charge-offs | 62.0253% | 3,218 |
| Earnings coverage of net charge-offs (x) | 0.4937% | 4,098 |
| Efficiency ratio | 93.8291% | 386 |
| Assets per employee ($millions) | 1.3796% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5272% | 301 |
| Loan loss allowance to noncurrent loans | 101.6529% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.3772% | 1,249 |
| Noncurrent loans to loans | 2.4861% | 631 |
| Net loans and leases to total assets | 42.9827% | 5,181 |
| Net loans and leases to deposits | 53.7016% | 5,029 |
| Net loans and leases to core deposits | 55.2720% | 5,087 |
| Total domestic deposits to total assets | 80.0399% | 4,567 |
| Equity capital to assets | 12.3856% | 1,586 |
| Core capital (leverage) ratio | 12.2604% | 1,447 |
| Tier 1 risk-based capital ratio | 19.3607% | 1,511 |
| Total risk-based capital ratio | 20.6139% | 1,474 |
| Memoranda: | ||
| Average total assets | $11,690,000 | 5,896 |
| Average earning assets | $9,634,600 | 5,889 |
| Average equity | $1,437,200 | 5,890 |
| Average total loans | $5,533,000 | 5,850 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9450% | 127 |
| Cost of funding earning assets | 0.5466% | 1,732 |
| Net interest margin | 5.3986% | 129 |
| Noninterest income to average assets | 0.5512% | 2,911 |
| Noninterest expense to average assets | 4.7244% | 318 |
| Loan and lease loss provision to assets | 0.2474% | 768 |
| Net operating income to assets | 0.1300% | 5,583 |
| Return on assets (ROA) | 0.2812% | 5,403 |
| Pretax return on assets | 0.2924% | 5,463 |
| Return on Equity (ROE) | 2.2911% | 5,412 |
| Retained earnings to average equity (ytd only) | 2.2911% | 4,553 |
| Net charge-offs to loans | 1.3335% | 111 |
| Credit loss provision to net charge-offs | 38.5965% | 3,162 |
| Earnings coverage of net charge-offs (x) | 0.5964% | 3,777 |
| Efficiency ratio | 92.5110% | 445 |
| Assets per employee ($millions) | 1.2361% | 5,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1494% | 557 |
| Loan loss allowance to noncurrent loans | 173.5294% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 1.0607% | 1,942 |
| Noncurrent loans to loans | 1.2386% | 1,811 |
| Net loans and leases to total assets | 48.2876% | 4,941 |
| Net loans and leases to deposits | 61.6975% | 4,648 |
| Net loans and leases to core deposits | 61.6975% | 4,850 |
| Total domestic deposits to total assets | 78.2652% | 4,862 |
| Equity capital to assets | 13.2494% | 1,370 |
| Core capital (leverage) ratio | 11.8375% | 1,788 |
| Tier 1 risk-based capital ratio | 18.0759% | 1,894 |
| Total risk-based capital ratio | 19.3319% | 1,862 |
| Memoranda: | ||
| Average total assets | $11,853,250 | 5,962 |
| Average earning assets | $10,002,500 | 5,951 |
| Average equity | $1,454,750 | 5,955 |
| Average total loans | $5,699,500 | 5,915 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7365% | 181 |
| Cost of funding earning assets | 0.4636% | 2,442 |
| Net interest margin | 5.2730% | 152 |
| Noninterest income to average assets | 0.5787% | 2,734 |
| Noninterest expense to average assets | 5.0595% | 258 |
| Loan and lease loss provision to assets | 0.0331% | 3,487 |
| Net operating income to assets | 0.0000% | 5,767 |
| Return on assets (ROA) | 0.0000% | 5,795 |
| Pretax return on assets | 0.0000% | 5,790 |
| Return on Equity (ROE) | 0.0000% | 5,795 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,286 |
| Net charge-offs to loans | 1.1440% | 152 |
| Credit loss provision to net charge-offs | 6.0606% | 3,022 |
| Earnings coverage of net charge-offs (x) | 0.0606% | 3,556 |
| Efficiency ratio | 99.3506% | 255 |
| Assets per employee ($millions) | 1.4122% | 5,993 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1115% | 616 |
| Loan loss allowance to noncurrent loans | 193.6508% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 2,377 |
| Noncurrent loans to loans | 1.0903% | 2,107 |
| Net loans and leases to total assets | 44.5004% | 5,201 |
| Net loans and leases to deposits | 52.8549% | 5,210 |
| Net loans and leases to core deposits | 52.8549% | 5,331 |
| Total domestic deposits to total assets | 84.1935% | 3,200 |
| Equity capital to assets | 11.5264% | 2,518 |
| Core capital (leverage) ratio | 10.5583% | 2,900 |
| Tier 1 risk-based capital ratio | 15.7243% | 2,773 |
| Total risk-based capital ratio | 16.9744% | 2,708 |
| Memoranda: | ||
| Average total assets | $12,096,000 | 6,039 |
| Average earning assets | $10,354,670 | 6,029 |
| Average equity | $1,448,330 | 6,032 |
| Average total loans | $5,769,330 | 5,992 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8111% | 158 |
| Cost of funding earning assets | 0.5534% | 1,671 |
| Net interest margin | 5.2577% | 159 |
| Noninterest income to average assets | 0.3393% | 4,304 |
| Noninterest expense to average assets | 4.7502% | 330 |
| Loan and lease loss provision to assets | 0.1018% | 2,000 |
| Net operating income to assets | 0.0000% | 5,785 |
| Return on assets (ROA) | 0.0000% | 5,814 |
| Pretax return on assets | 0.0000% | 5,810 |
| Return on Equity (ROE) | 0.0000% | 5,815 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,105 |
| Net charge-offs to loans | 0.0694% | 1,787 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,603 |
| Efficiency ratio | 97.9021% | 344 |
| Assets per employee ($millions) | 1.2910% | 6,063 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6401% | 334 |
| Loan loss allowance to noncurrent loans | 122.0472% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.9837% | 2,250 |
| Noncurrent loans to loans | 2.1632% | 957 |
| Net loans and leases to total assets | 44.2758% | 5,228 |
| Net loans and leases to deposits | 52.3443% | 5,205 |
| Net loans and leases to core deposits | 52.3443% | 5,331 |
| Total domestic deposits to total assets | 84.5856% | 3,282 |
| Equity capital to assets | 11.2239% | 2,706 |
| Core capital (leverage) ratio | 12.0921% | 1,550 |
| Tier 1 risk-based capital ratio | 14.2146% | 3,554 |
| Total risk-based capital ratio | 15.4692% | 3,484 |
| Memoranda: | ||
| Average total assets | $11,789,000 | 6,101 |
| Average earning assets | $10,118,500 | 6,091 |
| Average equity | $1,440,000 | 6,093 |
| Average total loans | $5,765,000 | 6,052 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7331% | 68 |
| Cost of funding earning assets | 0.5656% | 1,626 |
| Net interest margin | 6.1675% | 64 |
| Noninterest income to average assets | 0.4262% | 3,845 |
| Noninterest expense to average assets | 5.3779% | 221 |
| Loan and lease loss provision to assets | 0.0181% | 4,046 |
| Net operating income to assets | 0.1346% | 5,707 |
| Return on assets (ROA) | 0.5895% | 4,425 |
| Pretax return on assets | 0.7709% | 4,297 |
| Return on Equity (ROE) | 4.5576% | 4,716 |
| Retained earnings to average equity (ytd only) | 1.7529% | 4,730 |
| Net charge-offs to loans | -0.4700% | 6,078 |
| Credit loss provision to net charge-offs | -7.4074% | 4,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5798% | 379 |
| Assets per employee ($millions) | 1.1853% | 6,128 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7037% | 314 |
| Loan loss allowance to noncurrent loans | 110.8696% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.2936% | 1,643 |
| Noncurrent loans to loans | 2.4386% | 771 |
| Net loans and leases to total assets | 51.6123% | 4,729 |
| Net loans and leases to deposits | 63.2801% | 4,525 |
| Net loans and leases to core deposits | 63.2801% | 4,780 |
| Total domestic deposits to total assets | 81.5617% | 4,313 |
| Equity capital to assets | 13.4139% | 1,159 |
| Core capital (leverage) ratio | 12.2182% | 1,494 |
| Tier 1 risk-based capital ratio | 17.6903% | 2,057 |
| Total risk-based capital ratio | 18.9548% | 2,004 |
| Memoranda: | ||
| Average total assets | $11,026,600 | 6,168 |
| Average earning assets | $9,193,400 | 6,157 |
| Average equity | $1,426,200 | 6,152 |
| Average total loans | $5,744,600 | 6,106 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7536% | 67 |
| Cost of funding earning assets | 0.5051% | 2,167 |
| Net interest margin | 6.2486% | 63 |
| Noninterest income to average assets | 0.7916% | 1,832 |
| Noninterest expense to average assets | 4.9056% | 296 |
| Loan and lease loss provision to assets | 0.0120% | 4,031 |
| Net operating income to assets | 0.8276% | 3,293 |
| Return on assets (ROA) | 0.8276% | 3,378 |
| Pretax return on assets | 1.0675% | 3,341 |
| Return on Equity (ROE) | 6.4561% | 3,933 |
| Retained earnings to average equity (ytd only) | 2.7137% | 4,488 |
| Net charge-offs to loans | -0.5550% | 6,167 |
| Credit loss provision to net charge-offs | -4.1667% | 4,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9639% | 1,401 |
| Assets per employee ($millions) | 1.3545% | 6,202 |
| Cash dividends to net income (ytd only)* | 57.9674% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5990% | 381 |
| Loan loss allowance to noncurrent loans | 120.1613% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.1443% | 2,082 |
| Noncurrent loans to loans | 2.1629% | 1,030 |
| Net loans and leases to total assets | 51.5319% | 4,798 |
| Net loans and leases to deposits | 63.1317% | 4,632 |
| Net loans and leases to core deposits | 63.1317% | 4,860 |
| Total domestic deposits to total assets | 81.6261% | 4,282 |
| Equity capital to assets | 13.3629% | 1,287 |
| Core capital (leverage) ratio | 12.4367% | 1,449 |
| Tier 1 risk-based capital ratio | 17.1639% | 2,308 |
| Total risk-based capital ratio | 18.4247% | 2,249 |
| Memoranda: | ||
| Average total assets | $11,116,250 | 6,254 |
| Average earning assets | $9,239,250 | 6,243 |
| Average equity | $1,425,000 | 6,239 |
| Average total loans | $5,766,000 | 6,190 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7984% | 66 |
| Cost of funding earning assets | 0.5163% | 2,100 |
| Net interest margin | 6.2820% | 63 |
| Noninterest income to average assets | 0.9456% | 1,316 |
| Noninterest expense to average assets | 4.7459% | 357 |
| Loan and lease loss provision to assets | 0.0714% | 2,686 |
| Net operating income to assets | 0.9813% | 2,496 |
| Return on assets (ROA) | 0.9813% | 2,602 |
| Pretax return on assets | 1.3381% | 2,216 |
| Return on Equity (ROE) | 7.7611% | 3,184 |
| Retained earnings to average equity (ytd only) | 2.1167% | 4,650 |
| Net charge-offs to loans | -0.7963% | 6,252 |
| Credit loss provision to net charge-offs | -17.3913% | 4,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1014% | 2,188 |
| Assets per employee ($millions) | 0.9920% | 6,294 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6417% | 401 |
| Loan loss allowance to noncurrent loans | 121.7742% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.1364% | 2,238 |
| Noncurrent loans to loans | 2.1693% | 1,107 |
| Net loans and leases to total assets | 50.9989% | 4,848 |
| Net loans and leases to deposits | 63.3971% | 4,585 |
| Net loans and leases to core deposits | 63.3971% | 4,854 |
| Total domestic deposits to total assets | 80.4435% | 4,766 |
| Equity capital to assets | 12.8482% | 1,467 |
| Core capital (leverage) ratio | 12.1161% | 1,591 |
| Tier 1 risk-based capital ratio | 16.9005% | 2,446 |
| Total risk-based capital ratio | 18.1547% | 2,396 |
| Memoranda: | ||
| Average total assets | $11,209,670 | 6,329 |
| Average earning assets | $9,296,330 | 6,319 |
| Average equity | $1,417,330 | 6,316 |
| Average total loans | $5,777,000 | 6,265 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6423% | 72 |
| Cost of funding earning assets | 0.4231% | 3,031 |
| Net interest margin | 6.2193% | 66 |
| Noninterest income to average assets | 1.2326% | 747 |
| Noninterest expense to average assets | 4.7894% | 348 |
| Loan and lease loss provision to assets | 0.1056% | 1,940 |
| Net operating income to assets | 1.1621% | 1,659 |
| Return on assets (ROA) | 1.1621% | 1,763 |
| Pretax return on assets | 1.5143% | 1,518 |
| Return on Equity (ROE) | 9.2632% | 2,331 |
| Retained earnings to average equity (ytd only) | 9.2632% | 1,111 |
| Net charge-offs to loans | -1.5153% | 6,346 |
| Credit loss provision to net charge-offs | -13.6364% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7253% | 2,702 |
| Assets per employee ($millions) | 1.0259% | 6,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5787% | 474 |
| Loan loss allowance to noncurrent loans | 256.8966% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 3,966 |
| Noncurrent loans to loans | 1.0038% | 2,752 |
| Net loans and leases to total assets | 49.8804% | 4,864 |
| Net loans and leases to deposits | 60.5725% | 4,698 |
| Net loans and leases to core deposits | 60.5725% | 4,949 |
| Total domestic deposits to total assets | 82.3482% | 4,397 |
| Equity capital to assets | 12.8844% | 1,460 |
| Core capital (leverage) ratio | 12.2049% | 1,509 |
| Tier 1 risk-based capital ratio | 16.9285% | 2,507 |
| Total risk-based capital ratio | 16.9285% | 3,012 |
| Memoranda: | ||
| Average total assets | $11,358,500 | 6,398 |
| Average earning assets | $9,454,500 | 6,387 |
| Average equity | $1,425,000 | 6,383 |
| Average total loans | $5,807,500 | 6,333 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7007% | 81 |
| Cost of funding earning assets | 0.5026% | 2,654 |
| Net interest margin | 6.1982% | 75 |
| Noninterest income to average assets | 1.1487% | 912 |
| Noninterest expense to average assets | 5.0301% | 298 |
| Loan and lease loss provision to assets | 0.0870% | 2,731 |
| Net operating income to assets | 0.9804% | 2,480 |
| Return on assets (ROA) | 0.9660% | 2,636 |
| Pretax return on assets | 1.1662% | 2,795 |
| Return on Equity (ROE) | 8.1870% | 3,030 |
| Retained earnings to average equity (ytd only) | 8.1870% | 958 |
| Net charge-offs to loans | 0.2240% | 1,873 |
| Credit loss provision to net charge-offs | 71.4286% | 3,034 |
| Earnings coverage of net charge-offs (x) | 10.4286% | 2,611 |
| Efficiency ratio | 79.8343% | 1,958 |
| Assets per employee ($millions) | 1.1432% | 6,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1244% | 913 |
| Loan loss allowance to noncurrent loans | 213.7931% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 4,109 |
| Noncurrent loans to loans | 0.9937% | 2,845 |
| Net loans and leases to total assets | 49.9738% | 4,981 |
| Net loans and leases to deposits | 60.0862% | 4,893 |
| Net loans and leases to core deposits | 60.0862% | 5,137 |
| Total domestic deposits to total assets | 83.1700% | 4,014 |
| Equity capital to assets | 12.2113% | 1,850 |
| Core capital (leverage) ratio | 11.8827% | 1,706 |
| Tier 1 risk-based capital ratio | 15.1737% | 3,397 |
| Total risk-based capital ratio | 16.3583% | 3,381 |
| Memoranda: | ||
| Average total assets | $11,490,800 | 6,487 |
| Average earning assets | $9,551,200 | 6,477 |
| Average equity | $1,355,800 | 6,474 |
| Average total loans | $6,249,000 | 6,415 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7960% | 75 |
| Cost of funding earning assets | 0.4466% | 3,291 |
| Net interest margin | 6.3494% | 71 |
| Noninterest income to average assets | 1.1125% | 984 |
| Noninterest expense to average assets | 4.9714% | 314 |
| Loan and lease loss provision to assets | 0.1043% | 2,299 |
| Net operating income to assets | 1.0430% | 2,267 |
| Return on assets (ROA) | 1.0430% | 2,327 |
| Pretax return on assets | 1.3095% | 2,341 |
| Return on Equity (ROE) | 8.9170% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.9170% | 1,030 |
| Net charge-offs to loans | 0.0839% | 3,001 |
| Credit loss provision to net charge-offs | 225.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 30.5178% | 1,351 |
| Efficiency ratio | 77.8584% | 2,203 |
| Assets per employee ($millions) | 1.0982% | 6,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2237% | 912 |
| Loan loss allowance to noncurrent loans | 182.1918% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.6647% | 3,843 |
| Noncurrent loans to loans | 1.2205% | 2,608 |
| Net loans and leases to total assets | 53.2508% | 4,666 |
| Net loans and leases to deposits | 64.8625% | 4,446 |
| Net loans and leases to core deposits | 64.8625% | 4,807 |
| Total domestic deposits to total assets | 82.0980% | 4,449 |
| Equity capital to assets | 12.9485% | 1,458 |
| Core capital (leverage) ratio | 12.5045% | 1,401 |
| Tier 1 risk-based capital ratio | 16.1573% | 2,979 |
| Total risk-based capital ratio | 17.4172% | 2,929 |
| Memoranda: | ||
| Average total assets | $11,505,500 | 6,567 |
| Average earning assets | $9,554,500 | 6,557 |
| Average equity | $1,345,750 | 6,554 |
| Average total loans | $6,352,000 | 6,487 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8360% | 71 |
| Cost of funding earning assets | 0.4750% | 3,067 |
| Net interest margin | 6.3610% | 71 |
| Noninterest income to average assets | 1.3185% | 688 |
| Noninterest expense to average assets | 4.8288% | 348 |
| Loan and lease loss provision to assets | 0.1027% | 2,303 |
| Net operating income to assets | 1.2671% | 1,404 |
| Return on assets (ROA) | 1.2671% | 1,457 |
| Pretax return on assets | 1.6610% | 1,113 |
| Return on Equity (ROE) | 11.2093% | 1,665 |
| Retained earnings to average equity (ytd only) | 11.2093% | 512 |
| Net charge-offs to loans | 0.1235% | 2,437 |
| Credit loss provision to net charge-offs | 150.0000% | 1,450 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 1,398 |
| Efficiency ratio | 73.2468% | 3,113 |
| Assets per employee ($millions) | 1.2446% | 6,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1012% | 1,173 |
| Loan loss allowance to noncurrent loans | 178.0822% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6517% | 4,038 |
| Noncurrent loans to loans | 1.1799% | 2,874 |
| Net loans and leases to total assets | 54.0755% | 4,535 |
| Net loans and leases to deposits | 68.2941% | 4,019 |
| Net loans and leases to core deposits | 68.2941% | 4,437 |
| Total domestic deposits to total assets | 79.1804% | 5,419 |
| Equity capital to assets | 12.4810% | 1,658 |
| Core capital (leverage) ratio | 11.6402% | 1,887 |
| Tier 1 risk-based capital ratio | 14.1338% | 4,168 |
| Total risk-based capital ratio | 15.3934% | 4,098 |
| Memoranda: | ||
| Average total assets | $11,680,000 | 6,633 |
| Average earning assets | $9,684,000 | 6,624 |
| Average equity | $1,320,330 | 6,620 |
| Average total loans | $6,475,670 | 6,544 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9194% | 72 |
| Cost of funding earning assets | 0.3621% | 4,418 |
| Net interest margin | 6.5574% | 61 |
| Noninterest income to average assets | 1.3088% | 658 |
| Noninterest expense to average assets | 4.6982% | 387 |
| Loan and lease loss provision to assets | 0.1007% | 2,244 |
| Net operating income to assets | 1.6444% | 624 |
| Return on assets (ROA) | 1.6444% | 651 |
| Pretax return on assets | 1.9799% | 556 |
| Return on Equity (ROE) | 15.2946% | 734 |
| Retained earnings to average equity (ytd only) | 15.2946% | 306 |
| Net charge-offs to loans | 0.3021% | 1,158 |
| Credit loss provision to net charge-offs | 60.0000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 12.4000% | 1,719 |
| Efficiency ratio | 69.3069% | 3,946 |
| Assets per employee ($millions) | 1.0698% | 6,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9571% | 1,606 |
| Loan loss allowance to noncurrent loans | 196.8750% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5438% | 4,515 |
| Noncurrent loans to loans | 0.9941% | 3,431 |
| Net loans and leases to total assets | 53.6370% | 4,469 |
| Net loans and leases to deposits | 63.6740% | 4,352 |
| Net loans and leases to core deposits | 66.3513% | 4,464 |
| Total domestic deposits to total assets | 84.2369% | 4,195 |
| Equity capital to assets | 11.2593% | 2,470 |
| Core capital (leverage) ratio | 11.2619% | 2,163 |
| Tier 1 risk-based capital ratio | 13.1520% | 4,920 |
| Total risk-based capital ratio | 14.3850% | 4,861 |
| Memoranda: | ||
| Average total assets | $11,919,500 | 6,706 |
| Average earning assets | $9,943,000 | 6,692 |
| Average equity | $1,281,500 | 6,686 |
| Average total loans | $6,620,000 | 6,608 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6081% | 88 |
| Cost of funding earning assets | 0.3707% | 4,948 |
| Net interest margin | 6.2374% | 63 |
| Noninterest income to average assets | 0.8857% | 1,730 |
| Noninterest expense to average assets | 4.4284% | 559 |
| Loan and lease loss provision to assets | 0.3919% | 767 |
| Net operating income to assets | 1.0816% | 1,995 |
| Return on assets (ROA) | 1.0816% | 2,068 |
| Pretax return on assets | 1.3403% | 2,008 |
| Return on Equity (ROE) | 10.8032% | 1,828 |
| Retained earnings to average equity (ytd only) | 10.8032% | 449 |
| Net charge-offs to loans | 0.6000% | 1,092 |
| Credit loss provision to net charge-offs | 125.0000% | 1,900 |
| Earnings coverage of net charge-offs (x) | 5.5250% | 3,280 |
| Efficiency ratio | 71.8830% | 3,500 |
| Assets per employee ($millions) | 1.5089% | 6,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 1,828 |
| Loan loss allowance to noncurrent loans | 147.1264% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7207% | 4,082 |
| Noncurrent loans to loans | 1.2790% | 2,996 |
| Net loans and leases to total assets | 55.2895% | 4,421 |
| Net loans and leases to deposits | 65.9551% | 4,301 |
| Net loans and leases to core deposits | 65.9551% | 4,699 |
| Total domestic deposits to total assets | 83.8290% | 4,229 |
| Equity capital to assets | 10.2560% | 3,440 |
| Core capital (leverage) ratio | 10.6009% | 2,782 |
| Tier 1 risk-based capital ratio | 14.0061% | 4,293 |
| Total risk-based capital ratio | 15.2607% | 4,225 |
| Memoranda: | ||
| Average total assets | $12,758,600 | 6,778 |
| Average earning assets | $10,789,800 | 6,772 |
| Average equity | $1,277,400 | 6,780 |
| Average total loans | $6,666,800 | 6,695 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5990% | 89 |
| Cost of funding earning assets | 0.3646% | 5,147 |
| Net interest margin | 6.2344% | 65 |
| Noninterest income to average assets | 0.8558% | 1,914 |
| Noninterest expense to average assets | 4.2070% | 681 |
| Loan and lease loss provision to assets | 0.2784% | 1,252 |
| Net operating income to assets | 1.4230% | 1,048 |
| Return on assets (ROA) | 1.4230% | 1,104 |
| Pretax return on assets | 1.6602% | 1,183 |
| Return on Equity (ROE) | 14.2940% | 931 |
| Retained earnings to average equity (ytd only) | 14.2940% | 236 |
| Net charge-offs to loans | 0.5227% | 1,234 |
| Credit loss provision to net charge-offs | 103.8462% | 2,256 |
| Earnings coverage of net charge-offs (x) | 7.2299% | 2,825 |
| Efficiency ratio | 68.4564% | 4,000 |
| Assets per employee ($millions) | 1.3652% | 6,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 2,525 |
| Loan loss allowance to noncurrent loans | 258.6957% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 5,287 |
| Noncurrent loans to loans | 0.6679% | 4,532 |
| Net loans and leases to total assets | 55.0826% | 4,446 |
| Net loans and leases to deposits | 64.5309% | 4,460 |
| Net loans and leases to core deposits | 67.7681% | 4,546 |
| Total domestic deposits to total assets | 85.3585% | 3,560 |
| Equity capital to assets | 10.1815% | 3,664 |
| Core capital (leverage) ratio | 10.7375% | 2,741 |
| Tier 1 risk-based capital ratio | 14.0168% | 4,419 |
| Total risk-based capital ratio | 15.2969% | 4,342 |
| Memoranda: | ||
| Average total assets | $12,930,500 | 6,854 |
| Average earning assets | $10,971,000 | 6,847 |
| Average equity | $1,287,250 | 6,856 |
| Average total loans | $6,633,000 | 6,778 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6724% | 81 |
| Cost of funding earning assets | 0.3757% | 5,179 |
| Net interest margin | 6.2968% | 64 |
| Noninterest income to average assets | 0.8672% | 1,933 |
| Noninterest expense to average assets | 3.8342% | 1,054 |
| Loan and lease loss provision to assets | 0.3043% | 1,179 |
| Net operating income to assets | 1.7345% | 592 |
| Return on assets (ROA) | 1.7345% | 642 |
| Pretax return on assets | 2.0844% | 511 |
| Return on Equity (ROE) | 17.5475% | 503 |
| Retained earnings to average equity (ytd only) | 17.5475% | 137 |
| Net charge-offs to loans | 0.7330% | 888 |
| Credit loss provision to net charge-offs | 83.3333% | 2,561 |
| Earnings coverage of net charge-offs (x) | 6.5417% | 2,703 |
| Efficiency ratio | 61.6137% | 5,229 |
| Assets per employee ($millions) | 1.8050% | 6,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 2,712 |
| Loan loss allowance to noncurrent loans | 821.4286% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 6,158 |
| Noncurrent loans to loans | 0.2092% | 5,782 |
| Net loans and leases to total assets | 52.0617% | 4,857 |
| Net loans and leases to deposits | 59.2666% | 5,044 |
| Net loans and leases to core deposits | 59.2666% | 5,321 |
| Total domestic deposits to total assets | 87.8433% | 2,358 |
| Equity capital to assets | 10.1781% | 3,689 |
| Core capital (leverage) ratio | 9.8241% | 3,765 |
| Tier 1 risk-based capital ratio | 13.8886% | 4,504 |
| Total risk-based capital ratio | 15.1374% | 4,474 |
| Memoranda: | ||
| Average total assets | $13,145,000 | 6,903 |
| Average earning assets | $11,180,330 | 6,895 |
| Average equity | $1,299,330 | 6,903 |
| Average total loans | $6,548,330 | 6,822 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0372% | 59 |
| Cost of funding earning assets | 0.4201% | 4,909 |
| Net interest margin | 6.6171% | 53 |
| Noninterest income to average assets | 0.9851% | 1,506 |
| Noninterest expense to average assets | 4.2985% | 628 |
| Loan and lease loss provision to assets | 0.0896% | 3,170 |
| Net operating income to assets | 2.2388% | 228 |
| Return on assets (ROA) | 2.2388% | 254 |
| Pretax return on assets | 2.2388% | 385 |
| Return on Equity (ROE) | 22.9709% | 167 |
| Retained earnings to average equity (ytd only) | 22.9709% | 84 |
| Net charge-offs to loans | 0.2471% | 1,975 |
| Credit loss provision to net charge-offs | 75.0000% | 2,223 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,218 |
| Efficiency ratio | 64.8649% | 4,846 |
| Assets per employee ($millions) | 1.6154% | 6,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8187% | 2,554 |
| Loan loss allowance to noncurrent loans | 70.6587% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.2923% | 3,386 |
| Noncurrent loans to loans | 2.5740% | 2,006 |
| Net loans and leases to total assets | 49.2920% | 5,078 |
| Net loans and leases to deposits | 55.1515% | 5,333 |
| Net loans and leases to core deposits | 55.1515% | 5,589 |
| Total domestic deposits to total assets | 89.3755% | 1,438 |
| Equity capital to assets | 10.3149% | 3,782 |
| Core capital (leverage) ratio | 9.2198% | 4,534 |
| Tier 1 risk-based capital ratio | 13.7755% | 4,670 |
| Total risk-based capital ratio | 15.0288% | 4,633 |
| Memoranda: | ||
| Average total assets | $13,400,000 | 6,976 |
| Average earning assets | $11,425,000 | 6,969 |
| Average equity | $1,306,000 | 6,973 |
| Average total loans | $6,476,000 | 6,897 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0262% | 256 |
| Cost of funding earning assets | 0.5675% | 4,668 |
| Net interest margin | 5.4587% | 181 |
| Noninterest income to average assets | 0.8234% | 2,166 |
| Noninterest expense to average assets | 4.2846% | 693 |
| Loan and lease loss provision to assets | 0.1144% | 4,206 |
| Net operating income to assets | 0.8615% | 2,996 |
| Return on assets (ROA) | 0.8615% | 3,236 |
| Pretax return on assets | 1.0445% | 3,374 |
| Return on Equity (ROE) | 8.5945% | 2,832 |
| Retained earnings to average equity (ytd only) | 0.9887% | 5,383 |
| Net charge-offs to loans | 0.1619% | 4,088 |
| Credit loss provision to net charge-offs | 136.3636% | 2,028 |
| Earnings coverage of net charge-offs (x) | 13.8182% | 1,785 |
| Efficiency ratio | 78.7115% | 2,325 |
| Assets per employee ($millions) | 1.5419% | 6,980 |
| Cash dividends to net income (ytd only)* | 88.4956% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 2,506 |
| Loan loss allowance to noncurrent loans | 295.0000% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 5,821 |
| Noncurrent loans to loans | 0.6188% | 4,968 |
| Net loans and leases to total assets | 45.7303% | 5,644 |
| Net loans and leases to deposits | 50.5496% | 5,917 |
| Net loans and leases to core deposits | 50.5496% | 6,119 |
| Total domestic deposits to total assets | 90.4662% | 720 |
| Equity capital to assets | 9.2167% | 5,248 |
| Core capital (leverage) ratio | 8.5912% | 5,474 |
| Tier 1 risk-based capital ratio | 12.5904% | 5,406 |
| Total risk-based capital ratio | 13.8646% | 5,336 |
| Memoranda: | ||
| Average total assets | $13,116,800 | 7,043 |
| Average earning assets | $11,101,600 | 7,037 |
| Average equity | $1,314,800 | 7,042 |
| Average total loans | $6,794,800 | 6,958 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1114% | 247 |
| Cost of funding earning assets | 0.5989% | 4,663 |
| Net interest margin | 5.5125% | 170 |
| Noninterest income to average assets | 0.7632% | 2,412 |
| Noninterest expense to average assets | 3.9400% | 1,019 |
| Loan and lease loss provision to assets | 0.1238% | 4,005 |
| Net operating income to assets | 1.1036% | 2,074 |
| Return on assets (ROA) | 1.1036% | 2,269 |
| Pretax return on assets | 1.3512% | 2,406 |
| Return on Equity (ROE) | 10.7770% | 2,042 |
| Retained earnings to average equity (ytd only) | 10.7770% | 725 |
| Net charge-offs to loans | 0.2326% | 3,325 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 11.9163% | 2,040 |
| Efficiency ratio | 72.7619% | 3,192 |
| Assets per employee ($millions) | 1.8623% | 7,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7427% | 2,984 |
| Loan loss allowance to noncurrent loans | 138.5542% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 5,083 |
| Noncurrent loans to loans | 1.2578% | 3,950 |
| Net loans and leases to total assets | 49.7392% | 5,342 |
| Net loans and leases to deposits | 55.9303% | 5,644 |
| Net loans and leases to core deposits | 55.9303% | 5,896 |
| Total domestic deposits to total assets | 88.9307% | 1,471 |
| Equity capital to assets | 10.6781% | 3,630 |
| Core capital (leverage) ratio | 9.5252% | 4,230 |
| Tier 1 risk-based capital ratio | 14.0113% | 4,508 |
| Total risk-based capital ratio | 15.2881% | 4,452 |
| Memoranda: | ||
| Average total assets | $12,926,750 | 7,142 |
| Average earning assets | $10,908,250 | 7,133 |
| Average equity | $1,323,750 | 7,138 |
| Average total loans | $6,877,500 | 7,045 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1757% | 231 |
| Cost of funding earning assets | 0.6084% | 4,831 |
| Net interest margin | 5.5673% | 163 |
| Noninterest income to average assets | 0.6827% | 2,757 |
| Noninterest expense to average assets | 3.8013% | 1,210 |
| Loan and lease loss provision to assets | 0.1396% | 3,771 |
| Net operating income to assets | 1.2257% | 1,622 |
| Return on assets (ROA) | 1.2257% | 1,817 |
| Pretax return on assets | 1.4274% | 2,097 |
| Return on Equity (ROE) | 12.1445% | 1,623 |
| Retained earnings to average equity (ytd only) | 12.1445% | 560 |
| Net charge-offs to loans | 0.2295% | 3,195 |
| Credit loss provision to net charge-offs | 112.5000% | 2,422 |
| Earnings coverage of net charge-offs (x) | 12.6250% | 1,858 |
| Efficiency ratio | 70.8092% | 3,633 |
| Assets per employee ($millions) | 1.8641% | 7,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 2,980 |
| Loan loss allowance to noncurrent loans | 118.3673% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 4,918 |
| Noncurrent loans to loans | 1.4880% | 3,677 |
| Net loans and leases to total assets | 49.5823% | 5,410 |
| Net loans and leases to deposits | 55.5365% | 5,702 |
| Net loans and leases to core deposits | 55.5365% | 5,979 |
| Total domestic deposits to total assets | 89.2789% | 1,343 |
| Equity capital to assets | 10.4299% | 3,768 |
| Core capital (leverage) ratio | 9.2822% | 4,478 |
| Tier 1 risk-based capital ratio | 13.9438% | 4,484 |
| Total risk-based capital ratio | 15.2535% | 4,407 |
| Memoranda: | ||
| Average total assets | $12,890,330 | 7,204 |
| Average earning assets | $10,849,000 | 7,195 |
| Average equity | $1,301,000 | 7,197 |
| Average total loans | $6,970,330 | 7,102 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4817% | 165 |
| Cost of funding earning assets | 0.6705% | 4,534 |
| Net interest margin | 5.8111% | 119 |
| Noninterest income to average assets | 0.5308% | 3,692 |
| Noninterest expense to average assets | 3.6219% | 1,520 |
| Loan and lease loss provision to assets | 0.1873% | 3,086 |
| Net operating income to assets | 1.3426% | 1,341 |
| Return on assets (ROA) | 1.3426% | 1,501 |
| Pretax return on assets | 1.5924% | 1,598 |
| Return on Equity (ROE) | 13.5327% | 1,289 |
| Retained earnings to average equity (ytd only) | 13.5327% | 618 |
| Net charge-offs to loans | 0.4468% | 1,972 |
| Credit loss provision to net charge-offs | 75.0000% | 2,823 |
| Earnings coverage of net charge-offs (x) | 7.1250% | 2,111 |
| Efficiency ratio | 67.0520% | 4,350 |
| Assets per employee ($millions) | 1.8956% | 7,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 3,670 |
| Loan loss allowance to noncurrent loans | 491.3043% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 6,452 |
| Noncurrent loans to loans | 0.3285% | 6,011 |
| Net loans and leases to total assets | 51.9180% | 5,037 |
| Net loans and leases to deposits | 57.7549% | 5,409 |
| Net loans and leases to core deposits | 61.3774% | 5,396 |
| Total domestic deposits to total assets | 89.8937% | 1,142 |
| Equity capital to assets | 9.7671% | 4,427 |
| Core capital (leverage) ratio | 9.3936% | 4,203 |
| Tier 1 risk-based capital ratio | 13.4011% | 4,897 |
| Total risk-based capital ratio | 14.6641% | 4,879 |
| Memoranda: | ||
| Average total assets | $12,811,000 | 7,268 |
| Average earning assets | $10,738,000 | 7,259 |
| Average equity | $1,271,000 | 7,254 |
| Average total loans | $7,162,500 | 7,158 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3672% | 226 |
| Cost of funding earning assets | 0.9537% | 3,700 |
| Net interest margin | 5.4135% | 202 |
| Noninterest income to average assets | 0.8555% | 1,821 |
| Noninterest expense to average assets | 4.1299% | 880 |
| Loan and lease loss provision to assets | 0.6300% | 1,619 |
| Net operating income to assets | 0.5895% | 4,058 |
| Return on assets (ROA) | 0.7155% | 3,587 |
| Pretax return on assets | 0.8866% | 3,652 |
| Return on Equity (ROE) | 7.5422% | 3,127 |
| Retained earnings to average equity (ytd only) | 4.2630% | 3,151 |
| Net charge-offs to loans | 1.0788% | 1,601 |
| Credit loss provision to net charge-offs | 102.5316% | 3,374 |
| Earnings coverage of net charge-offs (x) | 2.2152% | 4,122 |
| Efficiency ratio | 75.2125% | 3,028 |
| Assets per employee ($millions) | 1.7647% | 7,219 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 3,707 |
| Loan loss allowance to noncurrent loans | 302.6316% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 6,208 |
| Noncurrent loans to loans | 0.5189% | 5,674 |
| Net loans and leases to total assets | 58.3502% | 4,308 |
| Net loans and leases to deposits | 68.1672% | 4,417 |
| Net loans and leases to core deposits | 68.1672% | 5,006 |
| Total domestic deposits to total assets | 85.5986% | 3,538 |
| Equity capital to assets | 10.0866% | 4,053 |
| Core capital (leverage) ratio | 9.1601% | 4,531 |
| Tier 1 risk-based capital ratio | 12.6160% | 5,354 |
| Total risk-based capital ratio | 13.8601% | 5,353 |
| Memoranda: | ||
| Average total assets | $12,857,600 | 7,311 |
| Average earning assets | $11,009,600 | 7,302 |
| Average equity | $1,219,800 | 7,313 |
| Average total loans | $7,323,200 | 7,201 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2658% | 287 |
| Cost of funding earning assets | 1.0145% | 3,576 |
| Net interest margin | 5.2513% | 267 |
| Noninterest income to average assets | 0.7599% | 2,262 |
| Noninterest expense to average assets | 3.6455% | 1,615 |
| Loan and lease loss provision to assets | 0.5340% | 1,849 |
| Net operating income to assets | 0.8729% | 2,848 |
| Return on assets (ROA) | 0.8729% | 2,999 |
| Pretax return on assets | 1.0988% | 3,020 |
| Return on Equity (ROE) | 9.3410% | 2,447 |
| Retained earnings to average equity (ytd only) | 4.9454% | 3,211 |
| Net charge-offs to loans | 1.1470% | 1,376 |
| Credit loss provision to net charge-offs | 82.5397% | 4,054 |
| Earnings coverage of net charge-offs (x) | 2.5237% | 3,869 |
| Efficiency ratio | 69.0661% | 4,115 |
| Assets per employee ($millions) | 2.0875% | 7,206 |
| Cash dividends to net income (ytd only)* | 47.0573% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 4,441 |
| Loan loss allowance to noncurrent loans | 185.4545% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 5,993 |
| Noncurrent loans to loans | 0.7685% | 5,333 |
| Net loans and leases to total assets | 56.3273% | 4,792 |
| Net loans and leases to deposits | 65.3725% | 4,999 |
| Net loans and leases to core deposits | 65.3725% | 5,487 |
| Total domestic deposits to total assets | 86.1637% | 3,120 |
| Equity capital to assets | 10.3313% | 3,919 |
| Core capital (leverage) ratio | 8.9750% | 4,973 |
| Tier 1 risk-based capital ratio | 13.4833% | 4,747 |
| Total risk-based capital ratio | 14.6597% | 4,770 |
| Memoranda: | ||
| Average total assets | $12,983,750 | 7,386 |
| Average earning assets | $11,171,500 | 7,378 |
| Average equity | $1,213,250 | 7,389 |
| Average total loans | $7,323,250 | 7,275 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1542% | 353 |
| Cost of funding earning assets | 1.0902% | 3,317 |
| Net interest margin | 5.0640% | 356 |
| Noninterest income to average assets | 0.6394% | 2,900 |
| Noninterest expense to average assets | 3.4712% | 2,063 |
| Loan and lease loss provision to assets | 0.6090% | 1,575 |
| Net operating income to assets | 0.8526% | 2,850 |
| Return on assets (ROA) | 1.1266% | 1,876 |
| Pretax return on assets | 1.2484% | 2,316 |
| Return on Equity (ROE) | 12.4754% | 1,347 |
| Retained earnings to average equity (ytd only) | 5.7320% | 2,574 |
| Net charge-offs to loans | 1.6263% | 900 |
| Credit loss provision to net charge-offs | 66.6667% | 4,148 |
| Earnings coverage of net charge-offs (x) | 1.7000% | 4,020 |
| Efficiency ratio | 69.0909% | 4,307 |
| Assets per employee ($millions) | 1.9597% | 7,314 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 5,229 |
| Loan loss allowance to noncurrent loans | 235.8974% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 6,420 |
| Noncurrent loans to loans | 0.5361% | 5,843 |
| Net loans and leases to total assets | 52.3619% | 5,523 |
| Net loans and leases to deposits | 57.4502% | 6,002 |
| Net loans and leases to core deposits | 57.4502% | 6,309 |
| Total domestic deposits to total assets | 91.1430% | 447 |
| Equity capital to assets | 8.7987% | 5,816 |
| Core capital (leverage) ratio | 8.3065% | 5,861 |
| Tier 1 risk-based capital ratio | 12.6319% | 5,233 |
| Total risk-based capital ratio | 13.6540% | 5,416 |
| Memoranda: | ||
| Average total assets | $13,136,670 | 7,459 |
| Average earning assets | $11,374,330 | 7,450 |
| Average equity | $1,186,330 | 7,465 |
| Average total loans | $7,378,670 | 7,347 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4317% | 234 |
| Cost of funding earning assets | 1.0720% | 3,709 |
| Net interest margin | 5.3598% | 202 |
| Noninterest income to average assets | 0.5605% | 3,430 |
| Noninterest expense to average assets | 3.3629% | 2,376 |
| Loan and lease loss provision to assets | 0.0934% | 4,845 |
| Net operating income to assets | 1.5258% | 830 |
| Return on assets (ROA) | 1.5258% | 871 |
| Pretax return on assets | 1.7749% | 858 |
| Return on Equity (ROE) | 16.6667% | 612 |
| Retained earnings to average equity (ytd only) | 16.6667% | 301 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2857% | 5,317 |
| Assets per employee ($millions) | 1.8740% | 7,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 4,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 56.0528% | 4,986 |
| Net loans and leases to deposits | 61.7484% | 5,531 |
| Net loans and leases to core deposits | 61.7484% | 5,948 |
| Total domestic deposits to total assets | 90.7760% | 723 |
| Equity capital to assets | 9.1554% | 4,945 |
| Core capital (leverage) ratio | 8.9568% | 4,682 |
| Tier 1 risk-based capital ratio | 13.5303% | 4,405 |
| Total risk-based capital ratio | 14.8786% | 4,304 |
| Memoranda: | ||
| Average total assets | $12,846,000 | 7,520 |
| Average earning assets | $11,194,500 | 7,511 |
| Average equity | $1,176,000 | 7,523 |
| Average total loans | $7,430,500 | 7,404 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5146% | 310 |
| Cost of funding earning assets | 1.2198% | 4,425 |
| Net interest margin | 5.2948% | 244 |
| Noninterest income to average assets | 0.8069% | 2,247 |
| Noninterest expense to average assets | 3.8638% | 1,373 |
| Loan and lease loss provision to assets | 0.5198% | 3,075 |
| Net operating income to assets | 0.7514% | 2,995 |
| Return on assets (ROA) | 0.8845% | 2,583 |
| Pretax return on assets | 1.1405% | 2,430 |
| Return on Equity (ROE) | 10.1659% | 1,869 |
| Retained earnings to average equity (ytd only) | 10.1659% | 493 |
| Net charge-offs to loans | 1.0473% | 2,108 |
| Credit loss provision to net charge-offs | 84.8101% | 5,352 |
| Earnings coverage of net charge-offs (x) | 2.4304% | 3,915 |
| Efficiency ratio | 72.1739% | 3,759 |
| Assets per employee ($millions) | 2.0957% | 7,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 3,925 |
| Loan loss allowance to noncurrent loans | 302.7027% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 6,507 |
| Noncurrent loans to loans | 0.5005% | 6,039 |
| Net loans and leases to total assets | 57.9052% | 5,041 |
| Net loans and leases to deposits | 65.7011% | 5,438 |
| Net loans and leases to core deposits | 65.7011% | 5,905 |
| Total domestic deposits to total assets | 88.1342% | 2,167 |
| Equity capital to assets | 9.1538% | 4,912 |
| Core capital (leverage) ratio | 8.5654% | 5,251 |
| Tier 1 risk-based capital ratio | 12.7689% | 4,797 |
| Total risk-based capital ratio | 14.0180% | 4,773 |
| Memoranda: | ||
| Average total assets | $12,888,800 | 7,600 |
| Average earning assets | $11,067,400 | 7,594 |
| Average equity | $1,121,400 | 7,622 |
| Average total loans | $7,543,400 | 7,482 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4701% | 362 |
| Cost of funding earning assets | 1.1840% | 4,958 |
| Net interest margin | 5.2861% | 249 |
| Noninterest income to average assets | 0.9356% | 1,667 |
| Noninterest expense to average assets | 3.7837% | 1,400 |
| Loan and lease loss provision to assets | 0.1440% | 5,593 |
| Net operating income to assets | 1.3161% | 1,307 |
| Return on assets (ROA) | 1.3161% | 1,379 |
| Pretax return on assets | 1.5526% | 1,471 |
| Return on Equity (ROE) | 15.3196% | 804 |
| Retained earnings to average equity (ytd only) | 15.3196% | 197 |
| Net charge-offs to loans | 0.4046% | 3,674 |
| Credit loss provision to net charge-offs | 60.8696% | 5,667 |
| Earnings coverage of net charge-offs (x) | 7.1728% | 2,376 |
| Efficiency ratio | 69.0432% | 4,257 |
| Assets per employee ($millions) | 1.8506% | 7,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 3,838 |
| Loan loss allowance to noncurrent loans | 1,437.5000% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 7,190 |
| Noncurrent loans to loans | 0.1063% | 6,974 |
| Net loans and leases to total assets | 57.2256% | 5,373 |
| Net loans and leases to deposits | 69.0674% | 5,266 |
| Net loans and leases to core deposits | 69.0674% | 5,837 |
| Total domestic deposits to total assets | 82.8547% | 4,651 |
| Equity capital to assets | 9.4874% | 4,864 |
| Core capital (leverage) ratio | 8.8700% | 4,895 |
| Tier 1 risk-based capital ratio | 12.6186% | 4,876 |
| Total risk-based capital ratio | 13.9178% | 4,827 |
| Memoranda: | ||
| Average total assets | $12,967,500 | 7,701 |
| Average earning assets | $11,148,500 | 7,695 |
| Average equity | $1,114,000 | 7,724 |
| Average total loans | $7,581,000 | 7,578 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5348% | 321 |
| Cost of funding earning assets | 1.1637% | 5,318 |
| Net interest margin | 5.3711% | 214 |
| Noninterest income to average assets | 0.9097% | 1,659 |
| Noninterest expense to average assets | 3.6386% | 1,685 |
| Loan and lease loss provision to assets | 0.1696% | 5,178 |
| Net operating income to assets | 1.5726% | 781 |
| Return on assets (ROA) | 1.5726% | 831 |
| Pretax return on assets | 1.7268% | 1,009 |
| Return on Equity (ROE) | 18.9649% | 386 |
| Retained earnings to average equity (ytd only) | 18.9649% | 104 |
| Net charge-offs to loans | 0.3422% | 3,633 |
| Credit loss provision to net charge-offs | 84.6154% | 4,577 |
| Earnings coverage of net charge-offs (x) | 9.4615% | 2,017 |
| Efficiency ratio | 65.7382% | 5,031 |
| Assets per employee ($millions) | 1.7556% | 7,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 3,122 |
| Loan loss allowance to noncurrent loans | 451.8519% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 6,847 |
| Noncurrent loans to loans | 0.3738% | 6,494 |
| Net loans and leases to total assets | 57.7915% | 5,449 |
| Net loans and leases to deposits | 67.6317% | 5,600 |
| Net loans and leases to core deposits | 67.6317% | 6,090 |
| Total domestic deposits to total assets | 85.4504% | 3,394 |
| Equity capital to assets | 9.2847% | 5,026 |
| Core capital (leverage) ratio | 8.4423% | 5,507 |
| Tier 1 risk-based capital ratio | 12.9835% | 4,461 |
| Total risk-based capital ratio | 14.2330% | 4,420 |
| Memoranda: | ||
| Average total assets | $12,972,000 | 7,767 |
| Average earning assets | $11,171,000 | 7,759 |
| Average equity | $1,075,670 | 7,792 |
| Average total loans | $7,598,670 | 7,639 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4868% | 364 |
| Cost of funding earning assets | 1.1160% | 5,825 |
| Net interest margin | 5.3708% | 220 |
| Noninterest income to average assets | 1.2018% | 841 |
| Noninterest expense to average assets | 3.5152% | 1,941 |
| Loan and lease loss provision to assets | 0.0901% | 5,733 |
| Net operating income to assets | 1.9229% | 397 |
| Return on assets (ROA) | 1.9229% | 435 |
| Pretax return on assets | 2.2233% | 403 |
| Return on Equity (ROE) | 24.5446% | 174 |
| Retained earnings to average equity (ytd only) | 24.5446% | 105 |
| Net charge-offs to loans | 0.2569% | 3,395 |
| Credit loss provision to net charge-offs | 60.0000% | 4,297 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 1,384 |
| Efficiency ratio | 60.3093% | 6,113 |
| Assets per employee ($millions) | 1.8987% | 7,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 3,278 |
| Loan loss allowance to noncurrent loans | 1,109.0909% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 7,282 |
| Noncurrent loans to loans | 0.1482% | 7,037 |
| Net loans and leases to total assets | 54.9319% | 5,901 |
| Net loans and leases to deposits | 61.9674% | 6,278 |
| Net loans and leases to core deposits | 61.9674% | 6,604 |
| Total domestic deposits to total assets | 88.6465% | 1,706 |
| Equity capital to assets | 8.1108% | 6,529 |
| Core capital (leverage) ratio | 7.9580% | 6,297 |
| Tier 1 risk-based capital ratio | 12.0868% | 5,100 |
| Total risk-based capital ratio | 13.3379% | 5,069 |
| Memoranda: | ||
| Average total assets | $13,313,500 | 7,863 |
| Average earning assets | $11,469,500 | 7,857 |
| Average equity | $1,043,000 | 7,886 |
| Average total loans | $7,786,000 | 7,731 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7497% | 414 |
| Cost of funding earning assets | 1.4397% | 5,766 |
| Net interest margin | 5.3100% | 239 |
| Noninterest income to average assets | 3.7459% | 181 |
| Noninterest expense to average assets | 5.0078% | 519 |
| Loan and lease loss provision to assets | 1.7301% | 1,320 |
| Net operating income to assets | 1.0714% | 1,593 |
| Return on assets (ROA) | 1.0714% | 1,638 |
| Pretax return on assets | 1.5158% | 1,150 |
| Return on Equity (ROE) | 14.4447% | 720 |
| Retained earnings to average equity (ytd only) | 14.4447% | 106 |
| Net charge-offs to loans | 2.7208% | 830 |
| Credit loss provision to net charge-offs | 102.8302% | 5,368 |
| Earnings coverage of net charge-offs (x) | 1.9292% | 4,277 |
| Efficiency ratio | 60.6731% | 6,375 |
| Assets per employee ($millions) | 1.9051% | 7,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 3,615 |
| Loan loss allowance to noncurrent loans | 539.1304% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 7,048 |
| Noncurrent loans to loans | 0.2822% | 6,720 |
| Net loans and leases to total assets | 60.1755% | 5,309 |
| Net loans and leases to deposits | 67.6587% | 5,871 |
| Net loans and leases to core deposits | 76.0231% | 6,400 |
| Total domestic deposits to total assets | 88.9397% | 1,506 |
| Equity capital to assets | 7.5585% | 6,977 |
| Core capital (leverage) ratio | 7.1372% | 7,122 |
| Tier 1 risk-based capital ratio | 10.6792% | 6,228 |
| Total risk-based capital ratio | 12.0181% | 6,114 |
| Memoranda: | ||
| Average total assets | $12,600,400 | 7,941 |
| Average earning assets | $10,696,800 | 7,933 |
| Average equity | $934,600 | 7,984 |
| Average total loans | $7,791,800 | 7,790 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7926% | 426 |
| Cost of funding earning assets | 1.4855% | 5,880 |
| Net interest margin | 5.3071% | 247 |
| Noninterest income to average assets | 0.9450% | 1,798 |
| Noninterest expense to average assets | 3.9516% | 1,348 |
| Loan and lease loss provision to assets | 0.6979% | 2,642 |
| Net operating income to assets | 0.7839% | 2,883 |
| Return on assets (ROA) | 0.7839% | 2,942 |
| Pretax return on assets | 0.7839% | 3,589 |
| Return on Equity (ROE) | 10.6226% | 1,725 |
| Retained earnings to average equity (ytd only) | 10.6226% | 526 |
| Net charge-offs to loans | 1.2636% | 1,622 |
| Credit loss provision to net charge-offs | 89.0411% | 5,508 |
| Earnings coverage of net charge-offs (x) | 1.8905% | 4,392 |
| Efficiency ratio | 72.7273% | 4,096 |
| Assets per employee ($millions) | 1.9476% | 7,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 4,142 |
| Loan loss allowance to noncurrent loans | 3,666.6667% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 7,538 |
| Noncurrent loans to loans | 0.0372% | 7,421 |
| Net loans and leases to total assets | 58.3731% | 5,835 |
| Net loans and leases to deposits | 64.8944% | 6,413 |
| Net loans and leases to core deposits | 72.6095% | 6,805 |
| Total domestic deposits to total assets | 89.9509% | 785 |
| Equity capital to assets | 6.9390% | 7,624 |
| Core capital (leverage) ratio | 6.8779% | 7,505 |
| Tier 1 risk-based capital ratio | 10.0238% | 6,954 |
| Total risk-based capital ratio | 11.2132% | 6,969 |
| Memoranda: | ||
| Average total assets | $12,416,500 | 8,023 |
| Average earning assets | $10,501,500 | 8,015 |
| Average equity | $916,250 | 8,069 |
| Average total loans | $7,702,500 | 7,871 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9039% | 380 |
| Cost of funding earning assets | 1.5276% | 6,029 |
| Net interest margin | 5.3763% | 218 |
| Noninterest income to average assets | 1.0823% | 1,359 |
| Noninterest expense to average assets | 4.0463% | 1,252 |
| Loan and lease loss provision to assets | 0.8159% | 2,050 |
| Net operating income to assets | 0.7327% | 3,124 |
| Return on assets (ROA) | 0.7327% | 3,227 |
| Pretax return on assets | 0.7327% | 3,889 |
| Return on Equity (ROE) | 9.7095% | 2,128 |
| Retained earnings to average equity (ytd only) | 9.7095% | 785 |
| Net charge-offs to loans | 1.4247% | 1,321 |
| Credit loss provision to net charge-offs | 90.7407% | 4,897 |
| Earnings coverage of net charge-offs (x) | 1.7222% | 4,263 |
| Efficiency ratio | 72.3214% | 4,341 |
| Assets per employee ($millions) | 1.8427% | 7,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 3,629 |
| Loan loss allowance to noncurrent loans | 94.9580% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 5,128 |
| Noncurrent loans to loans | 1.4942% | 4,256 |
| Net loans and leases to total assets | 60.8652% | 5,542 |
| Net loans and leases to deposits | 67.8389% | 6,211 |
| Net loans and leases to core deposits | 72.2263% | 6,882 |
| Total domestic deposits to total assets | 89.7201% | 954 |
| Equity capital to assets | 7.0160% | 7,613 |
| Core capital (leverage) ratio | 7.1072% | 7,447 |
| Tier 1 risk-based capital ratio | 9.8099% | 7,127 |
| Total risk-based capital ratio | 11.0553% | 7,077 |
| Memoranda: | ||
| Average total assets | $12,011,000 | 8,117 |
| Average earning assets | $10,081,330 | 8,114 |
| Average equity | $906,330 | 8,162 |
| Average total loans | $7,580,670 | 7,963 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9734% | 360 |
| Cost of funding earning assets | 1.5680% | 6,167 |
| Net interest margin | 5.4054% | 200 |
| Noninterest income to average assets | 1.5216% | 607 |
| Noninterest expense to average assets | 4.0114% | 1,171 |
| Loan and lease loss provision to assets | 1.1758% | 1,103 |
| Net operating income to assets | 0.8645% | 2,862 |
| Return on assets (ROA) | 0.8645% | 3,008 |
| Pretax return on assets | 0.8645% | 3,845 |
| Return on Equity (ROE) | 11.0254% | 1,957 |
| Retained earnings to average equity (ytd only) | 11.0254% | 966 |
| Net charge-offs to loans | 2.2195% | 652 |
| Credit loss provision to net charge-offs | 82.9268% | 4,145 |
| Earnings coverage of net charge-offs (x) | 1.4390% | 4,015 |
| Efficiency ratio | 66.2857% | 5,273 |
| Assets per employee ($millions) | 1.9710% | 7,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 2,978 |
| Loan loss allowance to noncurrent loans | 66.4671% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.4121% | 3,825 |
| Noncurrent loans to loans | 2.2589% | 2,916 |
| Net loans and leases to total assets | 61.5762% | 5,403 |
| Net loans and leases to deposits | 69.5113% | 6,023 |
| Net loans and leases to core deposits | 75.2584% | 6,732 |
| Total domestic deposits to total assets | 88.5845% | 1,439 |
| Equity capital to assets | 7.7964% | 7,077 |
| Core capital (leverage) ratio | 7.4520% | 7,210 |
| Tier 1 risk-based capital ratio | 10.3185% | 6,579 |
| Total risk-based capital ratio | 11.5642% | 6,505 |
| Memoranda: | ||
| Average total assets | $11,567,000 | 8,171 |
| Average earning assets | $9,694,000 | 8,167 |
| Average equity | $907,000 | 8,214 |
| Average total loans | $7,389,000 | 8,019 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1477% | 817 |
| Cost of funding earning assets | 2.1316% | 5,925 |
| Net interest margin | 5.0161% | 492 |
| Noninterest income to average assets | 0.8120% | 2,445 |
| Noninterest expense to average assets | 4.6618% | 790 |
| Loan and lease loss provision to assets | 0.7642% | 1,954 |
| Net operating income to assets | -0.4776% | 6,907 |
| Return on assets (ROA) | -0.4490% | 6,755 |
| Pretax return on assets | -0.4490% | 6,603 |
| Return on Equity (ROE) | -5.2199% | 6,885 |
| Retained earnings to average equity (ytd only) | -5.2199% | 6,544 |
| Net charge-offs to loans | 0.5199% | 2,285 |
| Credit loss provision to net charge-offs | 242.4242% | 1,923 |
| Earnings coverage of net charge-offs (x) | 0.9091% | 5,679 |
| Efficiency ratio | 94.2085% | 1,266 |
| Assets per employee ($millions) | 1.8847% | 7,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 2,254 |
| Loan loss allowance to noncurrent loans | 39.0728% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 2.6707% | 1,785 |
| Noncurrent loans to loans | 4.0894% | 1,194 |
| Net loans and leases to total assets | 64.2642% | 5,219 |
| Net loans and leases to deposits | 72.8960% | 5,958 |
| Net loans and leases to core deposits | 79.2562% | 6,671 |
| Total domestic deposits to total assets | 88.1588% | 1,402 |
| Equity capital to assets | 7.8882% | 6,984 |
| Core capital (leverage) ratio | 7.3462% | 7,368 |
| Tier 1 risk-based capital ratio | 10.5745% | 6,133 |
| Total risk-based capital ratio | 11.8252% | 6,033 |
| Memoranda: | ||
| Average total assets | $10,468,000 | 8,240 |
| Average earning assets | $8,632,200 | 8,236 |
| Average equity | $900,400 | 8,279 |
| Average total loans | $6,347,800 | 8,113 |